Travel Insurance Direct

Travel Insurance for Hong Kong

Flying to Hong Kong? Get covered with Travel Insurance Direct

Why do I need travel insurance for Hong Kong?

Winding alleyways, hawker stalls and a rich colonial history. These are just some of the things that puts Hong Kong on the tourist map. However, with civil commotion, severe weather, and threat of Dumpling related mishaps there’s a lot that can go wrong on your Hong Kong adventure. TID offers travel insurance for Hong Kong with a wide range of cover.

What am I covered for when going to Hong Kong?

When visiting Hong Kong, you will have access to several benefits with TID travel insurance. It all depends on which level of cover is best suited for your trip - The Basics, DomesticThe Works , and Annual Multi Trip plans. Some of the benefits we offer include:

  • Cover for overseas medical expenses
  • Medical repatriation and evacuation
  • Cover for lost, stolen, or damaged valuables
  • Cover for lost, stolen or delayed baggage
  • Cover for cancellation or trip delay
  • Cover for some Coronavirus-related events. 

Get a quote to get your next domestic or international adventure underway today.

What to look out for when travelling to Hong Kong

If you plan to go to Hong Kong in the Spring (March to May) and Summer months (June to August) then you may encounter a typhoon or two.

Hong Kong experiences around six typhoons a year on average. Thankfully, the city has a warning system to help keep everyone safe. The system grades storms from 1 to 10. 1 is the weakest, while 10 means you don’t want to be outdoors and without a really good raincoat.

Luckily TID offers cover for severe weather events. Whichever TID policy you opt for, if you are forced to cancel or rearrange your trip due to a sudden or unforeseen event such as a natural disaster you will be covered. In order to make a claim, though, you need to ensure you purchased your policy before the natural disaster became a known event. You can keep a track of travel warnings and alerts here.

Always refer to the Australian Government’s Smartraveller website for current travel alerts affecting Hing Kong before you buy a policy, before you leave Australia, and during your travels. 

Traveller tip 1: You will definitely need to grab an Octopus card if you’re going to Hong Kong. The Octopus card is the easiest way of paying for any public transport in Hong Kong, this includes trams, buses, and ferries. It will also come in handy if you want to buy cinema tickets, use it for vending machines, and at convenience stores, supermarkets and a wide range of restaurants and chains. The cards can be bought and topped up at 7-Eleven and Circle K stores and MTR stations.

Medical cover and 24/7 emergency assistance

Australia does not have a reciprocal health care agreement with Hong Kong. You should consider TID travel insurance for overseas medical and for medic al evacuation and repatriation.

If you’re in an emergency medical situation, please get in touch as soon as you can with our Emergency Assistance Team. The EA team is ready to assist you 24 hours 7 days a week in medical emergencies. The EA team can help with:

  • Medical care
  • Help find the nearest medical facility if you’ve gone off grid.
  • Medical transfer to a hospital or repatriation to Australia where necessary
  • Provide multi-lingual support
  • And many more.

Traveller tip 2: when travelling abroad you should always make sure you drink responsibly. If you suffer an injury or illness or if your expensive handbag is stolen because you didn’t pay attention to your surroundings while under the influence of alcohol or drugs you will not be covered if you intend to make a claim. You should also be highly cautious in Asia of accepting drinks, gum, or drugs from strangers, as there is a high prevalence in many countries of spiking and sexual assault.

Will I need a visa if I’m travelling to Hong Kong?

Hong Kong has separate immigration regulations to China. You won’t need a tourist visa if you stay less than 90 days. In all other cases, you'll need a visa. Contact the Hong Kong Economic and Trade Office in Sydney for details. If you're travelling from Hong Kong to mainland China, you'll need a PRC visa.

Traveller tip 3: if you are unsure what to take on your trip you can check out the TID packing list with all of the essentials, including travel insurance essentials, you may need on your trip. 

The above features and benefits area brief summary of cover only. Cover is subject to the full terms, conditions, limitations, and exclusions outlined in the Product Disclosure Statement.

What can travel insurance cover me for in Asia?

Here are some of the cover benefits available with your policy.

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Don't like medical bills?

Compensation for unforeseen medical expenses incurred whilst on an overseas holiday

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Unexpected cancellation?

Insurance if you have to cancel your trip due to unforeseeable events outside of your control (e.g. sudden illness).

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Airline cancelled flight?

If your flight is cancelled by the Airline for operational reasons we cover the reasonable cost of meals and accommodation.

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Taking luggage with you?

Cover if your luggage is stolen, permanently lost or accidentally damaged due to circumstances outside of your control.

Compare all benefits
This is a brief summary of cover only and does not include the full terms, conditions, limitations and exclusions. Read the PDS before purchasing.

Choose a plan that suits your holiday.

Just like choosing the perfect destination for your next getaway, selecting a travel insurance plan to suit your needs may be just as important. We have four plans to choose from, each offering a different level of cover. Check out each of the plans below where you'll find loads of information about each one.

The Works

Our most popular and comprehensive plan, the Works offers broad cover for international trips including unlimited cover for costs such as medical expenses and cancellation as well as added benefits.

The Basics

Sticking to a shoestring budget? Our budget plan is designed for travellers who want coverage for all the important things, like hospital bills and stolen luggage, without breaking the bank.


Are you a frequent flyer? If you travel often for business, or have a few holidays coming up, our Annual Multi Trip plan could be for you. Made for globetrotters, your trips can be up to 35 days in duration and there is no limit to the number of trip you can take during a 12 month period.

This is a brief summary of cover only and does not include the full terms, conditions, limitations and exclusions. Read the PDS before purchasing.

Hong Kong travel insurance FAQs.

What if my travel plans are impacted by civil commotion in Hong Kong?

TID offers cover for the cost of reasonable additional travel and accommodation expenses if your travel plans are interrupted by civil commotion.

Am I covered for theft if I’m the victim of pickpocketing?

Your TID policy offers cover for personal effects that are stolen from you by a pickpocket. If you should be unfortunate enough to be a victim, ensure that you obtain a written police report for your claim and contact our 24/7 Emergency Assistance team if you are in need of medical help.

If a natural disaster prevents me from going on my trip to Hong Kong, what are my options?

If your trip to Hong Kong is impacted by a natural disaster, under your TID policy cover is available for cancelling or rearranging your trip – whichever is the lesser of the two costs. You need to have purchased your policy prior to the natural disaster becoming a known event.

Read the policy wording for full terms, conditions and exclusions and to ensure the product suits your needs.

Find out more about travelling to Hong Kong

Heading to Hong Kong? Buy an Octopus card!

Heading to Hong Kong? Buy an Octopus card!

Find out more
What to look out for when shopping in Hong Kong

What to look out for when shopping in Hong Kong

Find out more
Here is a holiday packing list before you fly out

Here is a holiday packing list before you fly out

Find out more

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