Travel Insurance to Hong Kong

LUMA, your trusted companion for your trip to Hong Kong

travel insurance hong kong, Travel Insurance to Hong Kong

Trusted by 100,000+ Travelers

Europ Assistance

Evacuation & Repatriation

travel insurance hong kong, Travel Insurance to Hong Kong

Travel to Hong Kong with peace of mind

Highest Coverage for Medical Emergencies

travel insurance hong kong, Travel Insurance to Hong Kong

24/7 Support

Serviced by LUMA international teams

travel insurance hong kong, Travel Insurance to Hong Kong

Cancel anytime

Cancel anytime before the start date, no questions asked!

Travel Insurance Benefits

Medical Benefits

travel insurance hong kong, Travel Insurance to Hong Kong

Medical Expenses

LUMA travel insurance provides coverage for both inpatient and outpatient treatments, excluding those related to pre-existing conditions. It’s advisable to opt for travel insurance with ample medical benefits, particularly in Hong Kong where private hospitals are known for their high costs.

Travel Benefits

travel insurance hong kong, Travel Insurance to Hong Kong

Trip Cancellation

This travel insurance offers coverage for trip cancellation due to unforeseen circumstances, reimbursing the insured for non-refundable prepaid travel arrangement deposits up to the limit specified in the Policy.

travel insurance hong kong, Travel Insurance to Hong Kong

Flight Delay

In case your flight is delayed for more than six hours, compensation is provided for each six-hour interval, up to the defined policy threshold. However, it’s important to note that this coverage doesn’t apply to pre-existing issues at the start of the policy or problems instigated by government authorities.
travel insurance hong kong, Travel Insurance to Hong Kong

Baggage Delay

Should your luggage be delayed by a minimum of six hours, this travel benefit will cater to emergency purchases of essential toiletries and clothing. This coverage is tailor-made to support you during baggage delays, guaranteeing you have the essential items until your luggage is recovered.

Review of LUMA Travel Insurance to Hong Kong

Jeremiah Ell
Jeremiah Ell
Read More
I went to the Luma office in need of travel insurance for a trip in Southeast Asia. I met Clara who walked me thru the travel insurance details and different options available. She was familiar with all aspects of the policy and was able to answer my questions. Reccomended 😇
Suneet Maheshwari
Suneet Maheshwari
Read More
Most happy with prompt response of Luma's insurance team online. Specifically I would like to mention the name of Mr Nattawut Promkerd
Stephen Roberts
Stephen Roberts
Read More
After looking at many other companies, I decided to use Luma. Excellent product options and value for money. The staff explained my product options to me and were always helpful. Answering my questions promptly. The overall service was excellent.

LUMA Teams at Your Service

24/7 Hotline

Our multilingual hotline is at your service around the clock, providing assistance with any medical emergencies you may face.

MediPro Team

Access the Medipro team, consisting of global doctors, for a high-end service catering to all your medical requirements throughout your journey.

travel insurance hong kong, Travel Insurance to Hong Kong

Dr. Gerard

Emergency Medicine, Aviation & Tropical Diseases

25 Years of Medical Experience

Nurse Kookkik

Nurse Kookkik

Registered Nurse

19 Years of Medical Experience

travel insurance hong kong, Travel Insurance to Hong Kong

Dr. Kao

Health Care Management

General Practitioner

travel insurance hong kong, Travel Insurance to Hong Kong

Dr. Patrick

Health Care Management

General Practitioner

travel insurance hong kong, Travel Insurance to Hong Kong

Dr. Thet

Internal Medicine & Rehabilitation Medicine

9 Years of Medical Experience

Frequently Asked Questions about Travel Insurance to Hong Kong

Do I need travel insurance for Hong Kong?

Travel insurance is not compulsory for Hong Kong, but it is highly recommended. Hong Kong has a high standard of healthcare, but it can be very expensive for private treatment.

Hong Kong is a major international city with a world-class healthcare system. However, private healthcare can be very expensive in Hong Kong, especially for foreigners. For example, a one-night stay in a private hospital can cost over HK$10,000 (US$1,250).

Travel insurance can help to cover the cost of medical expenses incurred while traveling in Hong Kong. This includes both emergency and non-emergency medical expenses, as well as the cost of repatriation if you need to be returned home for medical treatment. Also other unexpected events such as flight cancellations, lost baggage, and personal liability.

What should my travel insurance for Hong Kong cover?

Your travel insurance coverage for Hong Kong plan should cover:

Medical Expenses: This type of coverage will pay for the cost of medical treatment if you become ill or injured while traveling. This is especially important, as medical care in Hong Kong can be expensive, especially for foreigners.

Emergency Evacuation: This means that if you have a medical emergency, you will be evacuated to the nearest hospital or other medical facility that can provide the care you need.

Repatriation: This type of coverage will pay for the cost of transporting you back to your home country in the event of a medical emergency or other unforeseen event during your stay in Hong Kong.

Trip cancellation: This type of coverage will reimburse you for the cost of your prepaid travel expenses if you have to cancel your trip to Hong Kong for an unforeseen reason, such as illness or a natural disaster.

Lost or stolen luggage insurance: This type of coverage will reimburse you for the value of your lost or stolen luggage, as well as any essential items you need to purchase to replace it.

Theme parks: Hong Kong is home to some of the best theme parks in the world, including Hong Kong Disneyland Resort, Ocean Park Hong Kong, and Noah’s Ark Hong Kong. These parks offer a variety of attractions for all ages, from thrilling roller coasters to family-friendly rides and shows. During these fun theme park adventures some unexpected medical treatment may be necessary, and so travel insurance can protect you from medical expenses and other costs in the event of an accident.

Travel Tips for Hong Kong

What currency is used in Hong Kong?

The currency used in Hong Kong is the Hong Kong dollar, abbreviated as “HKD” or “HK$”. The Hong Kong dollar is issued by the Hong Kong Monetary Authority (HKMA) and is freely convertible. It is commonly represented by the symbol “$” or “HK$”.

What language is spoken in Hong Kong?

Cantonese is the most widely spoken language in Hong Kong, used in everyday communication, government affairs, and media.
However, due to its colonial history and international status, English is also widely spoken and understood, especially in business, education, and tourism sectors. Many signs, public announcements, and official documents are bilingual, written in both Chinese and English.

What is the best season to visit Hong Kong?

The best season to visit Hong Kong typically depends on your preferences and what you want to experience during your trip. Here’s a breakdown of each season:

Spring (March to May):

Spring in Hong Kong offers mild and comfortable weather, with temperatures ranging from 18°C to 26°C (64°F to 79°F).
It’s an excellent time for outdoor activities such as hiking, exploring the city, and enjoying festivals like the Cheung Chau Bun Festival.
Summer (June to August):

Summers in Hong Kong are hot and humid, with temperatures often exceeding 30°C (86°F) and high humidity levels.
While it’s not the most comfortable time to visit due to the heat and occasional typhoons, you can still enjoy activities like visiting beaches, exploring indoor attractions, and indulging in water sports.
Autumn (September to November):

Autumn is considered one of the best times to visit Hong Kong due to its pleasant weather, with temperatures ranging from 20°C to 28°C (68°F to 82°F).
It’s a great time for outdoor activities, hiking, sightseeing, and enjoying cultural events like the Mid-Autumn Festival.
Winter (December to February):

Winter in Hong Kong is mild and cool, with temperatures averaging around 15°C to 20°C (59°F to 68°F).
While it’s the coolest time of the year, it rarely gets extremely cold, making it suitable for exploring the city, shopping, and enjoying outdoor activities without dealing with excessive heat.
Ultimately, the best time to visit Hong Kong depends on your preferences regarding weather, crowds, and the activities you want to experience. Many travelers prefer visiting during the spring or autumn when the weather is comfortable, and there are various cultural events happening around the city.

How to get around in Hong Kong?

Use the Octopus Card:

The Octopus card is a reloadable contactless smart card that you can use to pay for everything from public transportation to convenience stores to restaurants and even some attractions. It’s the easiest way to get around Hong Kong and save money on fares.

When you arrive at Hong Kong International Airport, you can buy an Octopus card and use it right away on the Airport Express train. The Airport Express is part of Hong Kong’s MTR system, and it takes you from the airport to Central Station in just 24 minutes. You can also transfer to other MTR trains for free, so you can get to your final destination without paying another fare.


Crafted and Serviced by LUMA

Our goal is to be your companion for all things travel and we strive to make insurance easy, accessible and ethical.

Baolong Insurance

Insured by Baolong

With over three decades of expertise across a diverse range of insurance services, Baolong ensures your claims are covered.

Europ Assistance

Assistance by Europ Assistance

Europ Assistance is a leading assistance company with an international network ensuring a reliable support worldwide.

“LUMA Asia Pass” is the commercial name of the travel insurance policy insured by Bao Long Insurance Corporation, distributed globally by Luma International and serviced by Luma Care Co. Ltd.