September 2025 Update! Top 10 Travel Insurance Picks You Can’t Miss—Exclusive Deals Inside

Planning a trip? Besides booking your flights and hotels, don’t forget one crucial thing—travel insurance! With so many options out there, picking the right one can feel overwhelming. That’s why we’ve done the homework for you, comparing 10 popular travel insurance providers to help you find the perfect plan tailored to your needs.

🔺Note: All premiums are based on a 35-year-old male traveling to Japan for 7 days🔺

When you’re gearing up for your next adventure, Allianz Travel Insurance is a smart companion to have by your side. Not only does it safeguard your frequent flyer miles if your trip gets canceled, but it also covers unexpected mishaps like the theft of your mobile devices—giving you one less thing to worry about on the road. Plus, their comprehensive overseas medical coverage includes extended protection for COVID-19, all starting at an incredibly affordable HK$53 for a 5-day trip within Asia!

Here’s what you can expect from their coverage:
📌 Protection for trip cancellations, changes, or reductions
📌 24/7 global emergency medical assistance
📌 Coverage for hospital stays abroad
📌 Reimbursement for lost frequent flyer miles due to canceled trips
📌 Support for expenses related to visits by friends and family, including return trips

Premiums start from just HK$128.4 (discounted from HK$214)
Coverage available for travelers up to 74 years old

 

Planning a family getaway? AXA Insurance has got you covered with their standout Senior Protection Plan—no age restrictions and free coverage for kids included. It’s perfect for families wanting peace of mind while exploring together. Plus, if you happen to catch COVID-19 abroad and it’s confirmed within 14 days after you’re back in Hong Kong, AXA will cover your related medical expenses. And here’s a sweet bonus: grab a 35% discount when you buy your insurance online!

Here’s what’s included:
📌 Coverage if your trip is canceled due to mandatory quarantine
📌 Medical expenses overseas
📌 Protection if your travel plans are cut short or canceled
📌 Medical costs after you return to Hong Kong

Premium: HK$135 (originally HK$180)
Eligible Ages: From 30 days old with no upper age limit

If you’re planning a trip and renting a car, Starr Joy Travel has got a fantastic new option for you: the "Car Rental Deductible" coverage. This handy add-on helps cover the deductible fees on your rental car insurance, with a payout of up to HK$5,000!

Here’s what else you can expect from their travel insurance package:
📌 Protection if your trip gets canceled because of mandatory quarantine
📌 Coverage for medical expenses if you need to be hospitalized abroad
📌 Financial support for travel delays, cancellations, or shortened trips
📌 Follow-up medical consultations once you’re back in Hong Kong

All this peace of mind starts at just HK$138, and the plan is available for travelers up to 70 years old.

Planning a family getaway and want to bring your furry friend along? FWD Hong Kong has got you covered with their new "Self-Writing Travel Insurance" tailored just for families and pets. What sets this plan apart is its 24/7 global emergency assistance—a true lifesaver when you’re far from home. And the best part? New customers can enjoy a fantastic 40% discount right now!
 

Here’s what you can expect:
📌 Protection for trip cancellations, changes, or even shortening your trip
📌 Emergency medical support whenever you need it
📌 Coverage for overseas medical expenses
📌 Safeguarding your luggage and personal belongings

Starting premium rates at just HK$159.8 (down from HK$188)
Open to travelers aged from 60 days up to 80 years

 

If you’re gearing up for a trip and want peace of mind, Blue Cross has you covered with their "Smart Travel" insurance plan. This all-in-one package protects your personal belongings like luggage and phones, giving you one less thing to worry about. What’s really impressive is that Blue Cross extends coverage even during overseas travel alerts — including yellow, red, and black levels. They’re among the few insurers that offer protection during those yellow alerts, which is a big plus for cautious travelers!

Here’s what’s included:
📌 Coverage for trip cancellations, changes, or shortening
📌 Reimbursement for non-refundable expenses you’ve already paid
📌 Medical expenses if you need hospitalization abroad
📌 Costs related to overseas quarantine
📌 Follow-up medical care within 90 days after you return to Hong Kong

All this protection starts at just HK$198.4 (discounted from HK$248). Plus, it’s available for anyone aged 6 weeks and up — so the whole family can travel confidently.

If you’re an adventure seeker eager to dive into thrilling experiences like scuba diving or bungee jumping, Generali’s “Adventure Travel Insurance” could be your perfect travel companion. This plan is designed to protect you while you chase adrenaline, offering peace of mind even when you’re pushing your limits. Plus, it covers COVID-19 related issues, so if your trip gets canceled or cut short due to health concerns, you’re covered.

Here’s what you get:
📌 Protection for Trip Cancellations, Changes, or Shortened Plans
📌 24/7 Global Emergency Medical Assistance
📌 Coverage for Hospital Stays Abroad
📌 Safeguards against Loss of Mobile Phones and Identification
📌 Insurance for Various Recreational and Leisure Activities

Premiums start at just HK$177.6 (discounted from HK$222)
Available for travelers up to 79 years old

 

If you’re gearing up for your next adventure, Great New Insurance has got your back with their "Smart Travel" protection plan. Whether you’re hitting the slopes or just exploring new places, this plan covers accidents during leisure activities like skiing. Photographers will especially appreciate the generous compensation for camera damage, so you can snap away without worry. Plus, families will love that the plan charges for only two adults—kids under 18 are covered at no extra cost! And here’s a bonus: if you’re diagnosed with an illness, the coverage extends to any effects before, during, and after your trip.

Here’s what’s included:
📌 Protection for trip cancellations, changes, or shortening
📌 24/7 global emergency assistance
📌 Coverage for overseas hospitalization and quarantine expenses
📌 Enhanced financial protection with increased camera damage compensation
📌 Reimbursement for trip cancellations triggered by yellow, red, or black travel warnings

All this starts at just HK$154.5 (originally HK$206). Suitable for travelers aged from 6 weeks up to 85 years.

Planning your next adventure? Zurich’s travel insurance has got you covered—no matter your age! What’s more, they offer six flexible add-ons to perfectly match your travel style. Whether you’re hitting the road on a self-driving tour, diving into overseas activities, enjoying amateur sports, cruising the seas, studying abroad short-term, or even celebrating a destination wedding or wedding photoshoot, there’s an option for you. Customize your plan to fit your unique trip!

And here’s a little extra incentive: book before September 21 and use promo code TRAVEL20 to snag a 20% discount on your premium.

Here’s what Zurich covers to keep your journey worry-free:
📌 Trip cancellation or delays
📌 Protection for your gadgets—think mobile phones, cameras, laptops, and other valuables
📌 Transportation expenses for overseas medical visits, hospital stays, and quarantine cash allowances
📌 Medical follow-up costs once you’re back in Hong Kong
📌 Cash allowance if you need to quarantine after a diagnosis upon returning home

Premium starts at around $295, and the best part? There’s absolutely no age limit on coverage.

When it comes to travel insurance, HSBC really steps up with impressive medical coverage—offering protection up to HKD 5 million. Whether you face unexpected medical expenses while abroad or need follow-up care within three months after returning to Hong Kong, you’re well covered. Plus, if you’re into adventurous sports or activities, this plan has you covered there too!

Here’s what’s included:
📌 Compensation for trip delays and changes
📌 Medical expenses overseas
📌 Translation services if you’re hospitalized abroad
📌 Protection for your sports gear, photography equipment, and electronics

Cost: Around $250.15
Age limit: Not specified

Looking for travel insurance that truly has your back? Fenglong’s got you covered with a plan that skips the hassle of deductibles. Whether you’re jetting off or exploring abroad, their 24/7 support ensures you’re never alone—think emergency medical help, legal advice, interpreter services, and even flight rescheduling. Plus, they’ve got your home and rental car covered too. Bonus: snag a discount when you buy through their mobile app!

Here’s what’s included:
📌 Trip Cancellation and Delay Protection
📌 Worldwide Emergency Medical Services
📌 Personal Accident Coverage
📌 Protection for Your Money and Important Documents
📌 Home Property Theft Coverage

Cost: Around $177
Who’s Eligible: Diamond Plan for ages 18-80, Gold & Silver Plans for ages 18-90

And that’s a wrap on our travel insurance tips! Before you set off on your adventure, take a moment to double-check your insurance coverage—having that peace of mind is priceless. Oh, and here’s a pro tip: consider using a travel credit card that offers great cashback rewards to keep a little extra cash in your pocket while you explore!