An applicant (i.e. policyholder) means a person named as the certificate holder in the certificate of insurance (for Single-trip Cover and Multi-trip Cover) or the policyholder in the policy schedule (for Annual Cover), while an insured person named in the certificate of insurance or the policy schedule is a person who is covered by the insurance policy. A beneficiary is a person who has the right to receive the benefits of the insurance policy upon the death of the insured person.​

• For Single-trip Cover, the coverage period is up to 180 days. You can enrol within 180 days prior to the departure date.​
• For Multi-trip Cover, the coverage period per trip can be 5 days or 7 days. You can select the number of days covered per trip upon enrolment. However, all trips are required to register via Blue Cross website prior to the date of departure and complete within the 1-year validity period counting from the date of enrolment.​
• For Annual Cover, the period of insurance is 1 year with unlimited trips and up to 90 days per trip. You can enrol in the plan 180 days prior to the policy effective date.​

• The applicant must be 18 years old or above. Child below age 18 must obtain consent from the parent or guardian in order to be insured individually.​
• For Single-trip Cover and Multi-trip Cover, enrolment age is 6 weeks or above. For Annual Cover, enrolment age is from 6 weeks to 75 years, and renewable up to age 80.​ ​

Yes, this policy is valid for the purpose of leisure travel or business travel (limited to administrative and clerical works only).​

• If your journey includes cruise tour, you can enrol Single-trip Cover - Cruise Plan which provides both basic benefits and cruise-specific benefits e.g. Cruise Cancellation and Interruption Benefit, Shore Excursion Cancellation Benefit and Satellite Phone Expenses Benefit.​
• If you plan to have Annual Cover and may have some general travel plans and some cruise travel plans in the year, you can enrol Annual Cover - Cruise Plan which provides all-round coverages for both general travel plans (with basic benefits) and cruise travel plans (with cruise-specific benefits e.g. Cruise Cancellation and Interruption Benefit, Shore Excursion Cancellation Benefit and Satellite Phone Expenses Benefit) throughout the year.​ ​

You can refer to the scheduled time of departure and arrival of the arranged Public Conveyance (e.g. flight) as specified in the itinerary supplied to you by the Public Conveyance provider (e.g. airline) to determine the effective date and expiry date of the policy. For above scenario, you can choose 1 Dec – 10 Dec as your "Period of Travel".​

• Yes, “Baggage Benefit” covers loss or physical breakage of, or damage to mobile phone, tablet computer and laptop computer resulting from theft, robbery, burglary, accident during the journey. The payable amount is subject to the maximum benefit limit per insured person per journey of the plan selected.​
• Only one mobile phone for each insured person will be covered in the same journey.​ ​
• Only one tablet computer or one laptop computer for each insured person will be covered in the same journey.​
• If the insured person would like to claim the loss of mobile phone, he/she is able to provide the original receipt for the purchase of the mobile phone showing its International Mobile Equipment Identity (IMEI), Serial Number and Model Number, the date of purchase and the price paid. For damage of the mobile phone, the relevant repair services should be provided by an official authorised service support centre.​​

No, the above situation will not be covered. “Baggage Delay Benefit” is only payable if the checked-in baggage is delayed for at least 6 hours after the insured person’s arrival at a destination overseas. Any loss which occurs after the insured person has returned to Hong Kong or reached his/her final destination will be excluded. ​

Yes, Travel Smart covers leisure and non-professional sports activities including skiing and other winter sports, diving to a depth not greater than 45 metres below sea level, parachuting with instructor/trainer, bungee jumping, trekking at an altitude limit not greater than 5,000 metres above sea level, and all water sports.​

Even if you have selected Couple Package, it is not necessary for the couple to travel together for every trip. You will get covered no matter you travel abroad by yourself or you two travel to different destinations separately.​

Travel Smart covers the additional accommodation costs incurred overseas due to travel delay of at least 6 consecutive hours caused by adverse weather. ​

"Trip Cancellation Benefit" covers the loss of the prepaid and unused portion of the travel ticket, accommodation, tour package or admission tickets to travel event (e.g. theme park, museum, concert, musical or sport-related ornamental performance) which is forfeited and irrecoverable if the following event occurs:​

1. within 90 days prior to the scheduled departure date of the Journey:
   1. death, serious bodily injury or serious sickness of the insured person, immediate family member, close business partner, foreign domestic helper or travel companion; or
   2. duty of the insured person to comply with a witness summons, jury service or compulsory quarantine (provided that the notice or order of such witness summons, jury service or compulsory quarantine is served on the insured person after (a) the issue date of the Certificate of Insurance (for Single-trip Cover), or (b) (i) the issue date of the policy or (ii) the date when any travel arrangement for the journey are confirmed by or for the benefit of the insured person, whichever is later (for Annual Cover); or
2. within 7 days prior to the scheduled date of departure of the Journey:
   1. adverse weather condition, natural disaster, infectious disease, unanticipated outbreak of industrial action involving the arranged public conveyance, closure of airport, act of terrorist, riot or civil commotion at the planned destination of the journey; or
   2. severe damage to the insured person or travel companion's principal home in Hong Kong arising from fire, flood, burglary or natural disaster; or
   3. death of the insured person's pet which is covered by Blue Cross' designated pet insurance; or​
   4. Security Bureau of The Government of the Hong Kong Special Administrative Region issued Outbound Travel Alert for the planned destination (payable according to Outbound Travel Alert Extension); or​
3. the insured child or the insured person (who is a parent or legal guardian and a travel companion of an insured child) needs to attend a school interview or public examination in person which has been rescheduled to a date falling within the scheduled travel period.​

In the occurrence of the following incidents during the journey that directly lead to the insured person to abandon the journey inevitably and return to the place of origin (i.e. Hong Kong):

1. death, serious bodily Injury or serious sickness of the insured person, immediate family member, foreign domestic helper, close business partner or travel companion; or​
2. hijack of public conveyance or any a mechanically propelled vehicles and vessels arranged by a travel agency; or​
3. adverse weather condition, natural disaster, infectious disease, unanticipated outbreak of industrial action involving the arranged public conveyance, closure of airport, act of terrorist, riot or civil commotion at the planned destination; or​
4. ​severe damage to the insured person or travel companion's principal home in Hong Kong arising from fire, flood, burglary or natural disaster; or
5. death of the insured person's pet which is covered by Blue Cross' designated pet insurance; or​
6. Security Bureau of The Government of the Hong Kong Special Administrative Region issued Outbound Travel Alert for the planned destination (payable according to Outbound Travel Alert Extension);​

"Trip Curtailment Benefit" will reimburse:​

1. the loss of the prepaid and unused portion of the travel ticket, accommodation, tour package or admission tickets to travel event (e.g. theme park, museum, concert, musical or sport-related ornamental performance) which is forfeited and irrecoverable for each complete day on pro-rata basis; and ​
2. the additional public conveyance expenses reasonably and inevitably incurred for direct returning to the Place of Origin. ​

In the occurrence of the following incidents during the journey which prevents the insured person from continuing with his original itinerary after the journey has begun and the insured person is inevitably required to re-route solely for the purpose of continuing his journey to the original planned destination or returning to the place of origin (i.e. Hong Kong):​

1. adverse weather condition;​
2. natural disaster;​
3. Infectious Disease;​
4. unanticipated outbreak of industrial action involving the arranged public conveyance;​
5. closure of airport;​
6. act of terrorist;​
7. riot or civil commotion; or​
8. serious bodily injury or serious sickness of the insured person or travel companion; or​
9. Security Bureau of The Government of the Hong Kong Special Administrative Region issued Outbound Travel Alert for the planned destination (payable according to Outbound Travel Alert Extension);​

"Re-routing Benefit" will reimburse:​

1. the additional public conveyance and/or accommodation expenses reasonably and inevitably incurred outside of the place of origin solely for the purpose of continuing the journey to the original planned destination or returning to the place of origin; or ​
2. the loss of the prepaid and unused portion of the travel ticket, accommodation, tour package or admission tickets to travel event (e.g. theme park, museum, concert, musical or sport-related ornamental performance) which is forfeited and irrecoverable for each complete day on pro-rata basis.​

Apart from "Trip Curtailment" and "Re-routing", "Trip Interruption Benefit" also covers the following:​

1. Cancellation of Local Tour​
   1. Reimburse the forfeited and irrecoverable expense of local tour in the event of (i) the closure of local tour operator due to bankruptcy; or (ii) the closure of the tourist spot due to unpredictable serious destruction. ​
2. Overbooking​
   1. Reimburse the additional accommodation and meal expenses for the failure of boarding the public conveyance due to overbooking. ​
3. Special Allowance - Closure of Designated Service Providers​
   1. Offer a special allowance for purchasing alternative services in the event of the closure of the accommodation, private car or motorhome rental service providers due to its bankruptcy.​