Wondering what some of the Benefits/Terms in your Travel Policy mean or what will it take to file a claim? Here’s a layman’s dictionary.
- any form of public transportation – a bus, train, subway, plane, boat/ferry, taxi
- 2x the benefits (HK policies tend to have pay this if accident happens on a public carrier)
- After a set number of hours of delay (different for every policy), you can claim for the inconvenience of needing to buy extra clothing/toiletries (while waiting for your baggage). You’ll need a report from the airline detailing how long the delay was if you expect the insurer to pay.
Lost or Damaged Baggage
- A police report must be obtained if stolen, otherwise you need a report from the airline. Oftentimes if the airline is responsible for breaking your bag they will compensate for it, so this is a bit of a runoff policy.
- This can be claimed if you cannot make your flight due to an accident or are medically unfit to travel BEFORE the trip. Sometimes a jury summons or damage to your home will qualify as well. If you pass away, your next of kin can claim on your behalf.
- Very similar to Cancellation Expense, this is claimed if DURING the trip, if you pass away, get in an accident or are medically unfit to travel.
- If a cancelled flight from inclement weather/strike/disaster leads to your next leg of journey to require rebooking, you may claim this.
- If you accidentally injure another person or damage someone’s property during your trip. This will not cover you while driving a car. But some sample scenarios: if you open a car door and accidentally hit a bicyclist, if you open a car door and dent the door of the car parked next to you, if you drop something on someone’s foot.
Need more information? Take a look at some of our other articles discussing Travel Insurance for Hong Kong residents.
- Travel Insurance Basics – What are you Actually Buying?
- Choosing a Travel Insurance Policy – A Comparison of Benefits
- Not all Travel Insurance Benefits are Created Equal – Pitfalls to Avoid
- Schengen Visa Insurance Requirements
- Travel Insurance for the Family – Discount Available, but Reduced Benefits for Kids/Grandparents
- Taking a Helper With You on a Holiday – The Insurance Requirement
Find this advice useful and ready to buy? Fill out this brief form for a travel insurance quote and we’ll get back to you in 1 business day. A HKID is needed to buy local travel insurance.