Travel Insurance

Get coverage for medical needs, travel inconveniences and losses before your next trip.

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What Does Travel Insurance Cover? See Key Benefits

Covers medical expenses when suffering from bodily injury or sickness.

Covers accidental death and permanent disablement.

Pay for your legal liability towards others’ accidental bodily injury or property damage together with associated legal costs and expenses.

Pays for the accidental loss of or damage to personal possessions including luggage during the insured journey.

Covers the actual cost of transportation, medical services and medical supplies necessarily and unavoidably incurred as a result of an emergency medical evacuation.

Amateur Sports and Activities

Inclusive cover from both AXA SmartTraveller and Zurich FlyAway Travel Insurance Plan.

Cancellation or Curtailment

Pays for the loss of unused travel fares and/or accommodation expenses which have been paid in advance, due to unforeseeable or unavoidable events.

Rental Vehicle Excess Coverage

Pays for any motor insurance policy excess - Inclusive cover for AXA SmartTraveller | Additional cover for Zurich FlyAway Travel Insurance Plan.

Covers damage of mobile phones - Inclusive cover for AXA SmartTraveller | Additional cover for Zurich FlyAway Travel Insurance Plan.

How to Make a Claim

Zurich travel insurance policy holders can claim through two ways.

Download the Zurich HK mobile app and submit your claim.

You can also call the Zurich Insurance Claims Hotline

Monday - Friday: 9:00AM - 5:30PM

Jargon Buster

Go behind the jargon and discover what insurance terms really mean in simple, clear language.

Jargons

The Citi 3-Minute Guides

These short simple guides help you plan your trip and make sure it goes off without a hitch. See all guides

Annual vs Single Trip – Which is Right for You?

We compare the two types of insurance to help you decide which one is best, depending on the coverage needed, number of trips you make a year and a simple calculation.

Why Travel Insurance Matters

Is skipping travel insurance really worth the risk? Get the breakdown on what it covers and how it can help you if you get sick or have an accident while on holiday.

• AXA Travel Insurance FAQs
• Zurich Travel Insurance FAQs

• Am I eligible for SmartTraveller?

HKID holders from thirty (30) days up to the age of 85 before the inception of the journey who are travelling on a journey that originates from the Hong Kong SAR can insure under SmartTraveller.

SmartTraveller is specially designed for individuals who are travelling on a journey for leisure or business purpose. The journey should originate from the Hong Kong SAR and the period of travel is no longer than 184 days. For Insured Persons not returning to Hong Kong, cover terminates no later than 7 days from scheduled time of arrival at the country of final destination or expiry of the original declared period of insurance, whichever is the earlier.

• Policy Number/ HKID of Policy Holder
• Contact Number
• Return Date
• Authorize a Visa/ Master Card for additional premium debit
• Card Number, Expiry Date, Card Holder Name

• within 7 days before the departure date of the Journey, upon Red OTA # , be reimbursed up to 50% of the irrecoverable deposits or charges paid in advance, up to HK$50,000 (VIP plan) or HK$25,000 (Classic plan);
• within 7 days before the departure date of the Journey, upon Black OTA # , be reimbursed irrecoverable travel-related payments upon cancellation of trip up to HK$50,000 (VIP plan) or HK$25,000 (Classic plan);
• Loss of deposit or cancellation of trip under Red or Black OTA # for the reason of a pandemic is excluded.

During the trip:

• we will automatically extend the period of insurance for a maximum of 10 days if an insured person is unavoidably delayed from returning abroad;
• upon Red OTA # , be reimbursed up to 50% of the irrecoverable deposits or charges paid in advance, up to HK$50,000 (VIP plan) or HK$25,000 (Classic plan);
• upon Black OTA # , be reimbursed the unused irrecoverable prepaid and additional travel-related costs upon curtailment of trip up to HK$50,000 (VIP plan) or HK$25,000 (Classic plan);

# Outbound Travel Alert refers to travel alert issued by the Security Bureau of the Government of Hong Kong SAR for the planned destination.

Once the application is completed, the policy document will be sent immediately to your email address as provided. Should you have any queries about your policy, you can call (852) 2867 8638.

*The above FAQs is for general information only, and should be read and construed in light of, and subject to, all terms, conditions and exclusions contained in the Policy.

• Is there any age limit?

No age restriction is imposed on travelers in Single Trip Travel Plan while the travelers must be aged 70 or below in Annual Travel Plan. However, please note that only Ordinary Plan can be chosen for any traveler who is (a) aged 17 or below and not travelling with his/her parent or (b) aged 76 or above upon the commencement of the insured journey.

As soon as you have confirmed your travel route and destination, you should consider purchasing travel insurance. If the trip is cancelled due to the reasons stated in the policy terms and conditions, you will still get covered in accordance to the policy terms and conditions.

The Cancellation of Trip benefit for unexpected specified events will commence either after you purchased the travel insurance or within one week before trip commencement. However, any existing or known event/conditions before your successful application will not be covered in respect of the Cancellation of Trip or Travel Delay benefits. Personal Accident cover starts 3 hours before scheduled departure time. All other benefits will commence when you depart from the Hong Kong immigration office/counter.

This depends on whether you have purchased a single travel or annual travel plan. FlyAway single trip travel plan insures you for up to 180 days, whereas an annual plan has no limits on the number of trips taken within the insured period and insures you for a maximum of 90 days on each trip. You may choose either single travel or annual travel plan depending on your travel needs.

FlyAway will cover you for any paid and non-recoverable expenses, including air ticket and accommodation fees, if you have to cancel your trip due to an unforeseeable riot break out at your trip destination within one week before the planned departure date.

FlyAway covers all amateur sports activities and even some high risk amateur sports on your trip, including winter sports, hot air balloon, scuba diving, water-skiing, rafting, sailing, parachuting accompanied by professionals, rock climbing, bungee-jumping, and horse riding. You might also purchase our 'Sports Activities Rider' to enjoy a higher limit of protection on personal accident cover. However, motor racing, self-navigated aerial activities, professional sports, sports engagements which may result in an earned income or remuneration, and any trekking at an altitude greater than 5,000 meters above sea level or diving to a depth greater than 40 meters below sea level are not covered.

Digital gadgets such as your personal laptop computer, tablet, digital camera, digital camcorder and related accessories or equipment are covered under Personal Baggage Cover within sub-limits, but excluding mobile phone. However, you might wish to purchase the optional benefit of 'Damage of Mobile Phone' in order to get your mobile phone covered for accidental damage to your mobile phone.

Once you purchased FlyAway, you are covered for the trip cancellation benefits if you suffer from a sudden serious illness or injury requiring hospitalization excluding ‘pre-existing condition'. Your doctor must certify that you are no longer fit to travel, within 90 days before the start date of your trip.

You should call Zurich 24-hour Emergency Assistance at +852-2886 3977 immediately. Experienced assistance coordinators will be able to offer you immediate assistance. Do remember to obtain all the relevant documents such as medical certificate and receipt in case of medical claim.

Sure. Just give Zurich a call at +852 2903 9400 before the policy expires. They will help you extend the insurance period of your FlyAway single trip travel plan up to a maximum of 180 days. If you are stuck at an airport due to bad weather or otherwise detained at your destination due to circumstances beyond your control, Zurich may even automatically add a maximum up to ten days to your single travel coverage free of charge.

If you or your travel companion have contracted COVID-19 within 7 days before the departure date, we will cover your loss of unused travel fare and/or accommodation expenses in case of trip cancellation.

• the actual medically necessary expenses incurred overseas;
• a daily cash allowance if you are required to undergo unexpected compulsory quarantine;
• Zurich Emergency Assistance benefits which cover COVID-19 during the entire insured journey;
• your loss of unused travel fare and/or accommodation expenses if you have to abandon the insured journey and return to Hong Kong.

We also cover after you returned to Hong Kong for:

• follow-up medical expenses for illness (including COVID-19) incurred within 3 months upon return to Hong Kong;
• compulsory quarantine cash allowance due to unexpected compulsory quarantine by the Hong Kong Government within 3 days upon completion of the insured journey and returning to Hong Kong.

• if you need to stay overseas longer than planned due to any circumstances which are beyond your control and arise after the insured journey has begun (e.g. contracted COVID-19), we will automatically extend your period of insurance up to 10 days free of charge for such a period as is reasonably necessary for the completion of the insured journey.

We do not cover any loss resulting directly or indirectly from COVID-19 which is diagnosed within 7 days after the enrollment date of the policy (for single trip) / enrollment date of the policy or the date of receipt issued by the travel agent or public common carrier for the payment confirmation of travel ticket or tour, whichever is later (for annual travel).

You must fulfil the entry rules and conditions including vaccination requirement both in Hong Kong and your planned travel destination(s), otherwise, no coverage of the policy shall be provided, and no benefits shall be paid under this policy.

• Original of medical certificate(s) and receipt(s).

For claim on trip cancellation:

• Original of receipt(s);
• PCR test result; and
• Isolation order issued by Department of Health, Center for Health Protection.

For claim on trip curtailment:

• Related original of receipt(s);
• PCR test result OR medical certificate to confirm Covid and unfit to travel within one week before the scheduled return date (applicable to both insured person and travel companion).

*The above FAQs is for general information only, and should be read and construed in light of, and subject to, all terms, conditions and exclusions contained in the Policy.

1. Insured person must be aged between 30 days to 85 years old.
2. The maximum duration of Single Journey is 184 days.
3. No refund of premium is allowed once the policy has been issued. Please refer to the policy jacket for full exclusions.

Zurich Insurance Company Ltd

1. The applicant must be a Hong Kong citizen or resident holding a valid HKID card.
2. The applicant must be aged 18 or above.
3. The premium must be settled by the applicant's Citi Mastercard ® or VISA Card, with the exact same name.
4. This insurance plan is only valid for trip departing from and returning to Hong Kong, and only valid for conventional leisure travel or business travel without any manual work.
5. Application for Single Travel Plan must be made within 90 days before departure and the maximum period of insurance coverage is 180 days per return trip.
6. Annual Travel Plan provides coverage for an unlimited number of return trips departing from Hong Kong within a 12-month period. The maximum period of insurance coverage for each trip is 90 days.
7. All travelers under the same policy should either choose for Ordinary or Premier Plan
8. Only Ordinary Plan can be chosen for any traveler who is (a) aged 17 or below and not travelling with his/her parent or (b) aged 76 or above upon the commencement of the insured journey.
9. The Family Plan covers up to 2 parents in addition to any number of children aged 17 or below. The premium will be equivalent to the premium of 2 Individual Plans. The maximum liability to the whole family for a claim arising from the same cause shall not exceed 300% of the relevant section's maximum benefits.
10. For Single Travel Plan, the additional benefit for Personal Accident under Cruise Holiday Benefit for travelers aged (a) 17 or below or (b) 76 or above upon the commencement of the insured journey will be limited to 50% of the Sum Insured only.

1. War
2. Government acts
3. Nuclear hazards
4. Lack of reasonable care and attention
5. Racing (other than on foot), motor sports or flying as a pilot or crew member
6. Activities engaging in sports or games in a professional capacity
7. Self-inflicted injury or illness
8. Alcoholism or drug abuse
9. Pre-existing medical conditions
10. Venereal disease, AIDS or AIDS related complex
11. Pregnancy, miscarriage of child birth and all complications thereof
12. Claims for Medical and Related Expenses (Section 1) and Worldwide Emergency Assistance Service (Section 2) under the following circumstances:
    - an event mentioned in the red or black travel alert issued by the government of Hong Kong (except for the reason of COVID-19), unless the Security Bureau has provided exceptional permission for such travel, or unless the journey has been started before the issuance of such travel alerts
    - claims relating to the vaccine-preventable disease if prior to the journey (i) the insured person fails to obtain the related vaccine and (ii) such vaccine is mandatorily required by the government(s) of Hong Kong and/or the country/region where the insured Person has planned to travel
13. Loss of Deposit or Cancellation of Trip (Section 9) arising from the issuance of the red or black travel alert due to a pandemic before the journey

* The above is only part of the policy exclusions. Please refer to the policy jacket for the full list of exclusions that apply to each section and the entire policy.

Zurich Insurance Company Ltd

1. Any event arising from war, act of foreign enemy, civil war, rebellion, insurrection, military force or coup;
2. Any pre-existing condition, congenital and hereditary condition; insanity, mental or nervous disorders; any condition under the influence of alcohol or drugs (other than those prescribed by a qualified medical practitioner); alcoholism; drug addiction or solvent abuse;
3. Any condition resulting from pregnancy, childbirth or miscarriage, abortion, pre-natal care as well as post-natal care and other complications arising therefrom, venereal disease; suicide or intentional self-inflicted injury; any illness attributable to HIV (Human Immunodeficiency Virus) and/or HIV-related illness including AIDS;
4. Any event arising from an act of terrorism, except for and including all relating benefits in the riders for the following Sections: Section 1 - Medical Cover, Section 2 - Zurich Emergency Assistance, Section 3 – Personal Accident, Section 10 - Travel Delay, Section 12 - Cancellation of Trip and Section 13 - Curtailment of Trip;
5. Any insured person who is a holder of the People's Republic of China passport and travels to/within China. However, this exclusion will be waived if such insured person has an official document issued by an overseas government (other than China) as proof that he/she is a legal resident of that other country and travelling with a passport of the People's Republic of China;
6. Trekking at an altitude greater than 5,000 meters above sea level or diving to a depth greater than 40 meters below sea level;
7. Being a crew member or an operator of any air carrier;
8. Any activity or involvement of the insured person in the air unless such insured person is at the relevant time (i) travelling as a fare paying passenger on a regular scheduled flight or licensed chartered aircraft, or (ii) participating in such activity where the maneuver or navigation of such activity is responsible by another person who is adequately licensed for guiding such activity and the provider of such activity must be authorized by the relevant local authority.

1. The promotion period is from now to September 30, 2019 ("Promotion Period").
2. To enjoy the 30% premium discount on the Single Trip Travel Insurance Plan and/or 20% premium discount on the Annual Travel Insurance Plan, customers must successfully purchase the Plan during the Promotion Period through online channel.
3. 20% premium discount is only applicable for Zurich FlyAway Annual Travel Insurance Plan

1. Unless otherwise specified, the promotion period of the Offer (as defined in Clause 2) starts from August 9, 2019 and ends on March 31, 2020, both dates inclusive (“Promotion Period”).
2. To be eligible to enjoy 50% premium discount on purchasing the FlyAway Travel Insurance Plan Single Trip Travel Plan (“Offer”), the applicants (“Eligible Customers”) must be the primary card holder of a valid Visa or Master credit card issued by Citibank (Hong Kong) Limited (“Citi”).
3. Only Eligible Customers who made their applications via “auto-filled approach” on Zurich’s application portal during the Promotion Period will be entitled to the Offer.
4. The Offer is applicable to the Premier and Ordinary Plans and Option Benefits under the FlyAway Travel Insurance Plan Single Trip Travel Plan.
5. The applicable premium discount will be displayed upfront during the insurance application. The premiums indicated on Citi’s Travel Insurance webpage and Zurich’s application portal refer to the after-discount price.
6. For detailed features, terms, conditions and exclusions of the FlyAway Travel Insurance Plan, please refer to the product factsheet(s) and policy wording(s).
7. FlyAway Travel Insurance Plan Single Trip Travel Plan is underwritten by Zurich. Zurich reserves the right to change any terms and conditions of this Offer without advance notices. All promotional offers are valid only when the insurance products under promotion are available for application. In the event of any disputes or any matters in connection with the Offer, Zurich’s decision shall be final.
8. If there is any discrepancy between the English and Chinese versions of these terms and conditions, the English version shall prevail.

1. The promotion period is from now to December 31, 2024 ("Promotion Period").
2. To enjoy the 30% premium discount on the Single Trip Travel Insurance Plan and/or 20% premium discount on the Annual Travel Insurance Plan, customers must successfully purchase the Plan during the Promotion Period through online channel.

AXA SmartTraveller

1. The promotion period is from now to December 31, 2024 ("Promotion Period").
2. To enjoy the 30% premium discount on the Single Trip Travel Insurance Plan, customers must successfully purchase the Plan during the Promotion Period through online channel.

1. The above information is for reference only and does not constitute any part of the insurance contract. For full terms and conditions and exclusions of FlyAway Travel Insurance Plan and SmartTraveller (the "Travel Insurance Plans") issued by Zurich Insurance Company Ltd and AXA General Insurance Hong Kong Limited respectively (the "Insurance Companies"), please refer to the policy document itself which shall prevail in case of inconsistency. The Insurance Companies reserve the right of final approval and decision.
2. The above information is provided by the Insurance Companies.
3. You are not required to purchase the Travel Insurance Plans and you may choose to cover your insurance needs from other sources.
4. Zurich Insurance Company Ltd and AXA General Insurance Hong Kong Limited are the respective insurance underwriters of FlyAway Travel Insurance Plan and SmartTraveller and are respectively solely responsible for all approvals, coverage, compensations and any other related matters of these plans.
5. Zurich Insurance Company Ltd is a company incorporated in Switzerland with limited liability and its principal place of business in Hong Kong is at 25-26/F, One Island East, 18 Westlands Road, Island East, Hong Kong.
6. AXA General Insurance Hong Kong Limited is a company incorporated in Hong Kong with limited liability and its principal place of business in Hong Kong is at 5/F, AXA Southside, 38 Wong Chuk Hang Road, Wong Chuk Hang, Hong Kong.
7. The Insurance Companies are not subsidiaries or affiliates of Citibank (Hong Kong) Limited or Citibank, N.A. or Citigroup Inc.
8. All matters and disputes related to promotions will be subjected to the final decision of the Insurance Companies which reserve the right to amend relevant terms and conditions without prior notice.
9. Insurance Companies reserve the final right of approval of Travel Insurance Plans.
10. The Insurance Companies are the authorized insurers in Hong Kong and the above information is not intended to solicit business outside Hong Kong.
11. The life/ general insurance product mentioned above is not offered to individual resident in the European Union, European Economic Area, Switzerland, Guernsey, Jersey, Monaco, San Marino, Vatican, The Isle of Man and United Kingdom. This page is not intended as a recommendation or an offer or solicitation for the purchase or sale of any of the insurance products to such individuals.
12. In the event of any discrepancy between the English and the Chinese versions of the content, the English version shall prevail.

1. Citibank (Hong Kong) Limited, being registered with the Insurance Authority as a licensed insurance agency, acts as an appointed licensed insurance agent for Zurich Insurance Company LTD and AXA General Insurance Hong Kong Limited (the "Insurance Company").
2. Citibank (Hong Kong) Limited's role is limited to distributing insurance products of the Insurance Company only and Citibank (Hong Kong) Limited shall not be responsible for any matters in relation to the provision of the products.
3. Insurance products are products and obligations of the Insurance Company and not of Citibank (Hong Kong) Limited. Insurance products are not bank deposits or obligations of, or guaranteed or insured by Citibank (Hong Kong) Limited,
   Citibank, N.A., Citigroup Inc. or any of their affiliates or subsidiaries, or any local governmental agency.
4. In respect of an eligible dispute (as defined in the Terms of Reference for the Financial Dispute Resolution Centre in relation to the Financial Dispute Resolution Scheme) arising between you and Citibank (Hong Kong) Limited out of the selling process of any insurance product conducted by Citibank (Hong Kong) Limited as agent for Insurance Company or the processing of the related transaction, you may enter into a financial dispute resolution scheme process with Citibank (Hong Kong) Limited in accordance with the applicable rules in Hong Kong. However any dispute over the contractual terms of insurance products should be resolved directly between you and the Insurance Company.
5. All insurance applications are subject to Insurance Company's underwriting and acceptance.
6. The Insurance Company is solely responsible for all approvals, coverage, compensations and account maintenance in connection with its insurance products.
7. Citibank (Hong Kong) Limited will not render you any legal, accounting or tax advice. You are advised to check with your own professional advisor for advice relevant to your circumstances.
8. You are reminded to carefully review the relevant product materials provided to you and seek independent advice if necessary.
9. For any policy service enquiries, please contact the relevant licensed bank staff or the Insurance Company.
10. In case of any discrepancy between the English and Chinese versions of this document, the English version shall prevail.