Individual
Business
Travel Insurance | Travel Smart
Cover flight cancellations, baggage and mobile damage, with protection for skiing, diving, and car rental excess.
Product Leaflet
Terms & Conditions
Travel Protection under COVID-19
Single-trip Cover or Annual Cover
20% Premium Discount
20% Premium Discount
Worry-Free Exploration of the World
Travel Smart Travel Insurance provides comprehensive protection for every journey, allowing you to travel with peace of mind!
Unexpected changes during travel? We help you catch up
Cover flight delays, additional accommodation expenses, theme park ticket fees and more caused by adverse weather conditions, natural disasters, etc.
Well protected for accidents & illness
Worldwide medical expenses benefit HK$1,200,000 with follow-up medical expenses incurred within 90 days after returning to Hong Kong
Lost your belongings? We’ve got you covered
Cover the accidental loss of or damage to baggage, mobile phone, laptop computer, tablet computer and personal property, and more suffered during the journey
Worry-free exploration and adventure
Cover leisure and non-professional sports activities, including skiing and other winter sports, diving, parachuting, bungee jumping, wakesurfing and more
Enjoy your road trip with peace of mind
Reimburse the rental vehicle insurance excess or deductible and/or non-operation, charge charged by the licensed vehicle rental company due to car accident, parking damage or theft of a rental vehicle during the journey
Emergency ? Don't worry
Offer 24-hour Worldwide Emergency Aid service, including unlimited coverage for emergency evacuation and repatriation to the place of origin
“Single-trip”, “Multi-trip” or “Annual” Cover
- which Travel Insurance suits you best?
Blue Cross Travel Smart travel insurance offers Single-trip, Multi-trip, and Annual Cover. The cover period for single-trip cover can be up to 180 days! Based on your travel frequency per year , find the most suitable travel insurance for you
Once
2-3 times A Must
Non-stop travel
Single-Trip Cover
suits you best
Suitable For
Occasional leisure travelers who take 1-2 trips per year
Plan Level
Premier Plan/ Select Plan / Cruise Plan
Premium Package
Individual / Couple* / Family**
Coverage Frequency
1 trip
Coverage Period
Up to 180 days per trip
*including the applicant and his/her spouse/domestic partner.
**including the applicant and/or spouse/domestic partner and all unmarried children below age 18.
**including the applicant and/or spouse/domestic partner and all unmarried children below age 18.
Multi-Trip Cover
suits you best
Suitable For
Leisure travelers who take multiple trips per year
Plan Level
Premier Plan/ Select Plan
Premium Package
Individual
Coverage Frequency
3 trips per year^
Coverage Period
Up to 5 or 7 days per trip
^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
Annual Cover
suits you best
Suitable For
Frequent travelers who travel multiple times per year for business, leisure, and family visit
Plan Level
Premier Plan/ Select Plan / Cruise Plan
Premium Package
Individual / Couple* / Family**
Coverage Frequency
Unlimited trips per year
Coverage Period
Up to 90 days per trip
*including the applicant and his/her spouse/domestic partner.
**including the applicant and/or spouse/domestic partner and all unmarried children below age 18.
**including the applicant and/or spouse/domestic partner and all unmarried children below age 18.
3 Plan Levels for a Carefree Travel Journey
Whether you are planning a short getaway or a long journey, Blue Cross Travel Smart travel insurance offers different plan levels to suit your needs. Each plan provides coverage for accidents, illness, flight delays, baggage loss etc.
|
Premier Plan
Enhanced Protection, Worry-Free Option
Single-Trip / Multi-Trip / Annual
|
Select Plan
Standard Protection, Affordable Alternative
Single-Trip / Multi-Trip / Annual
|
Cruise Plan
Tailored-made for Cruise Travel
Single-Trip / Annual
|
Premier Plan
Single-Trip / Multi-Trip / Annual
Select Plan
Single-Trip / Multi-Trip / Annual
Cruise Plan
Single-Trip
Travel Blog
Premium Discount for Travel Insurance
Save more on your journey with these Travel Insurance special offers
No Claim Discount
Smooth journey with no claims? Renew your coverage and enjoy up to 20% off premium discount *
*Only applicable to Annual Cover
Group Discount
Traveling with a group? Enjoy up to 25% off premium discount*
*The Group Discount is only applicable to Annual Cover for corporate client enrolling in “Individual” package
Car Insurance FAQs
What is car insurance? What is covered by car insurance?
Car insurance aims at safeguarding vehicle owners against their legal liability in respect of third party’s death, bodily injury and/or property damage, and also cover the damage of the insured vehicle from car accidents. It provides financial protection to you and anyone involved in an incident, and is a statutory requirement for driving.
“Third-party legal liability insurance” refers to the coverage of the legal liability of the insured driver in respect of third party’s death, bodily injury and/or property damage from car accidents, which is the mandatory insurance under the Motor Vehicles Insurance (Third Party Risks) Ordinance, Chapter 272 of the Laws of Hong Kong.<br>“Comprehensive insurance” provides broader protection, including third-party legal liability cover plus the coverage for your own vehicle against accidental loss or damage. Legally, third-party insurance is mandatory, but for better protection, especially for brand new or high-value cars, comprehensive insurance can be considered.
NCD (No Claims Discount) is a discount offered by insurers to policyholders who do not make any claims during the previous policy period. When you renew your car insurance without claims in the previous policy year, you can entitle a discount on your renew premium. Typically, the discount starts at around 20% after the first claim-free year and increases annually, up to about 60%. If you make a claim, the discount may be reduced or reset to zero, depending on the number of claims and the insurer’s policies.
Document Download
Product Leaflet
Download
Terms & Conditions
Download
Notes:
- The above information is for reference only. Please refer to policy for the exact terms and conditions and the full list of policy exclusions.
- Should there be any discrepancy between the English and the Chinese versions of the above information, the English version shall apply and prevail.
- The above product(s) is/are offered for sale in Hong Kong only and is/are underwritten by Blue Cross (Asia-Pacific) Insurance Limited, an authorised insurer in Hong Kong.
