Travel insurance

[henkka]

Hi,

Anyone know any insurance company that offers travel insurance that covers items worth HKD30000 and over? I have a camera that I want to take with me during my travels this summer, but at least HSBC did not offer anything that would cover my camera. I think the highest they insured per item was HKD3000.

Thanks in advance if someone knows something.

[kenbo23]

Hi There..

Not sure if they will be able to help, but I came from the UK to HK with a company called Down Under Insurance, they were really cheap and it was quite easy to customise my policy.

try Travel Insurance - Cheap Holiday Insurance - United Kingdom - Downunder Insurance .

hope it helps.

[HKLozzo]

You will struggle to find a travel insurance that will cover single items for such an amount( purchased in HK anyway). One of the best comprehensive plans available in HK is AXA General's Smarttraveller and this has a single article limit of HK$7,500.

If you have home insurance already, check with your insurance company or broker if you can add the camera as a specified item under the Worldwide "All Risks" Cover in your policy. This may provide a higher single article limit.

If you do decide to get a travel insurance, just make sure that you check that a) cameras are not excluded and b) what is the single article limit for baggage/personal effects.

[HKLozzo]

Hi There..

Not sure if they will be able to help, but I came from the UK to HK with a company called Down Under Insurance, they were really cheap and it was quite easy to customise my policy.

try Travel Insurance - Cheap Holiday Insurance - United Kingdom - Downunder Insurance .

hope it helps.

I just checked the small print of this policy ( comprehensive). The single article limit for baggage and personal items is GBP200 (HKD2,284).
So, as i said be careful to check the small print for exactly how much you can claim for on single items.

[Morrison]

Does anyone know of an agent / broker that sells AXA smart travel insurance ?
I just called AXA but they can't make any recommendations, kind of strange.
Or any other good annual travel insurance recommended ?

Thanks

[pin]

I am with Hang Seng for travel insurance. Works out at just under HK$900 a year.

[PDLM]

What cover are you looking for? Worldwide? ex-US? Asia? Spouse? Kids? Dangerous sports? How much medical cover? Air ambulance? etc

[Football16]

I am with Hang Seng for travel insurance. Works out at just under HK$900 a year.

Check the policy for Exclusions which the Underwriter will ensure keeps the coverage tight and limited. Travel accident insurance business is a wonderful business as the policies are focused and time based.

In an executive planning session (I was a VP with a major Canadian P&C insurer until taking early retirement) I suggested we branch into accident policies like travel, etc. The VP for insurance blurted out something like 'hardly anyone collects on those' to which I said, YES! What a great business to be in. The CEO got it but not everyone else.

There are a number of threads here on Geoexpat but none really nail who the best carriers are. In fact, you never fully know how good they are until you have to make a claim and then find out this wonderful insurer makes their money by never paying claims.

There are some very good policies that are focused on specific events like a Katmandu trek that are easier to understand but the kind you want here for general travel needs careful looking.

Some of the more expensive involve repatriation to your home country and cost a lot more.

Read the policy carefully as they exclude anything they can claim were pre-existing conditions! This is a dodgy point for insurers if you are not in top health.