Travel Insurance Expert and Head of Communications
Last updatedDecember 16 2025
13 min read
Culture and attractions. Shopping and skyscrapers. Hong Kong is a place where dreams come to life. Cruise the South China Sea or take the kids to Disney. Our Hong Kong travel insurance covers you while you experience it all. Take us with you for the ultimate city break!
What is Hong Kong travel insurance, and do you need it?
Sample the cuisine. Soak up the history. Shop at markets that stay open late into the night. Hong Kong has something for everyone. No wonder it’s one of the world’s happiest holiday hotspots. There’s just so much to see and do.
Our Hong Kong travel insurance covers your trip to this fascinating city. It’s not a compulsory entry requirement. But healthcare in Hong Kong isn’t free for UK travellers and can be very expensive.
The best travel insurance for Hong Kong from the UK covers you for a range of incidents. Here’s what makes it a must:
Covers emergency medical costs: You never know what health issues could occur on your holiday. The UK Government estimates 10 Brits are hospitalised abroad every day. If you fall ill or get injured in Hong Kong and don’t have travel insurance, you’ll have to pay hospital bills yourself. The cost of intensive care in Hong Kong is £2,500 per day.
Includes cancellation cover: Planning on living the high life? Hong Kong’s the place to be. Overnight visitors spend an average of 6,939 Hong Kong dollars per person, which is nearly £700. It was also the most expensive city for business travel in the Asia-Pacific region. Hong Kong travel insurance with cancellation cover can pick up the bill if you have to cancel your trip for specific reasons.
Protects your valuables: Had your bag stolen in Kowloon? While violent crime in Hong Kong is rare, the FCDO warns of street crimes and pickpocketing. Travel insurance for Hong Kong can help replace your possessions if they’re lost or stolen. If you’re taking anything particularly valuable, adding gadget cover gives extra protection.
Covers your itinerary: Hong Kong is a truly unique city. Where else do skyscrapers meet beach, jungle and mountains? Surf Big Wave Bay or hike Kowloon Peak. Our policies cover over 100 sports and activities as standard. We also have cover for more adventurous activities.
Make sure the policy you’ve chosen covers you for all the activities you have planned. Our policy wording provides full terms and conditions of what is and isn’t included.
Check the latest advice for travel to Hong Kong before you go. You’ll need to ensure you’ve got all the visa requirements you need for your trip.
What does InsureandGo’s Hong Kong travel insurance cover?
We will consider all pre-existing medical conditions. Find out more about medical travel insurance.
The excess and amount of cover available varies depending on the level of travel insurance you buy. Check the policy wording to see the full terms and conditions.
What’s not covered?
Each provider will have different things it can or cannot include in a policy. However, there are some situations travel insurance will not cover. For example:
You cannot cover events or reasons that took place before you booked the trip or purchased insurance. Insurance exists to cover unexpected events outside of the insured’s control
Claims which are less than the excess for that section of cover. For example, you cannot claim a £40 lost item if your baggage excess is £60
All our travel insurance policies include cover for cancellation of your trip. There may, however, be some exclusions. For example, you won’t be covered to cancel if you simply decide not to go
The best travel insurance for Hong Kong
Heading to Hong Kong? You might need a different type of travel insurance based on what you’re doing while you’re there.
Hong Kong just the start of your travels?Worldwide travel insurance covers you, no matter where you end up.
Make sure you read our policy wording for more information on what is included.
Choose a cover level to suit your travel needs
Black
Gold
Silver
Medical expenses and repatriation
Unlimited
£15 million
£10 Million
Cancellation and curtailment
£10,000
£7,500
£5,000
Travel delay
Up to £650
Up to £540
Up to £450
Personal belongings
£5,000
£2,500
£2,000
Legal Expenses
£60,000
£50,000
£15,000
Standard Excess
Nil
£50
£60
Travel insurance for Hong Kong with pre-existing medical conditions
Hong Kong has a very high standard of both public and private healthcare. That’s reassuring if you’re travelling with a pre-existing medical condition. But the downside is the cost.
As a visitor, you won’t be able to access Hong Kong’s public hospitals. Private care is expensive, and costs can quickly mount up. For example, a stay on a high-dependency ward can cost over £2,000 per day.
If you haven’t declared all your pre-existing conditions, you might find yourself out of pocket should anything happen while you’re away. Pre-existing conditions are more common than you think. If you have asthma, diabetes or a disability, you’ll need travel insurance that covers these conditions.
Examples of medical conditions we can cover include:
Our online medical screening process is simple. If you’d rather talk to someone instead, please get in touch with us.
You must declare all your pre-existing medical conditions when you buy your travel insurance to Hong Kong. Otherwise, you won’t be covered if you have an emergency related to your condition while away.
If you need treatment when you’re in Hong Kong, contact us as soon as you can.
Take prescription medication for your pre-existing condition? Hong Kong Customs authorities allow you to bring small amounts for your personal use. You need to keep it in your own carry-on baggage (not that of a friend or relative). The FCDO advise that you bring an English prescription from your doctor at home for both prescription drugs and non-prescription medicines. That way, you get to avoid problems at customs in Hong Kong.
How to book travel insurance for Hong Kong
There’s so much to think about when you’re travelling long haul. Luckily, you can get your Hong Kong travel insurance sorted in just two steps.
1. Let us know a little info
Tell us about your holiday, who you want to cover, and when you want the policy to start. Any pre-existing medical conditions? Now’s the time to let us know.
Now that we have the details, we can send you a quote! You can buy your policy there and then, or save it for the future.
Our experts say…
“Travel insurance is a true essential for your Hong Kong adventure. Hong Kong’s excellent healthcare comes at a premium. Unexpected medical emergencies can quickly become very expensive. Trip disruptions can happen too, from typhoons to lost luggage. You can’t plan for everything. But finding the best Hong Kong travel insurance can help you navigate these types of situations. It can also cover your activities, so you can explore every corner of this dynamic city.”
“Riah was friendly, efficient and helpful. She went through everything at the perfect pace to ensure I understood everything. I am very happy with the help received today and will use Insure & Go again.”
Travel insurance is not a mandatory entry requirement to visit Hong Kong. But the FCDO states you need Hong Kong travel insurance to protect you in case things don’t go to plan on your trip. Here’s what makes it a must:
Expensive healthcare: Although Hong Kong has a high-quality public healthcare system, it’s not available to tourists. As a visitor, you’ll need private medical treatment, which can be very expensive.
High repatriation costs: Medical repatriation is often charged per mile, and may include the cost of medical personnel. As such, medical repatriation costs from Asia to the UK can be as high as £85,000.
Delays and cancellations: Long-haul flights to Hong Kong often involve stopovers, increasing the risk of delays and cancellations. Hong Kong is also prone to typhoons and other natural disasters, which can disrupt travel plans. Travel insurance to Hong Kong can cover these unexpected events, which can be costly.
No one likes to think of the worst-case scenario. But securing the best travel insurance for Hong Kong lets you relax and enjoy your adventure.
Does the GHIC cover healthcare in Hong Kong?
No, the Global Health Insurance Card (GHIC) does not cover healthcare in Hong Kong. The GHIC provides medically necessary state healthcare in European Economic Area (EEA) countries. It also covers some non-EU territories, like Australia. Hong Kong is not included in this agreement.
For travel to Hong Kong, you need insurance to cover your medical expenses in an emergency. But travel insurance also means you’re covered for a range of issues that could crop up on your trip, including:
Personal accident and liability
Cancelling and cutting short your holiday
Abandoning your trip
Delayed departure
Accommodation cover
Personal belongings and baggage
Personal money, passport and travel documents
Legal expenses
No one likes to think of the worst-case scenario. But securing the best travel insurance to Hong Kong lets you relax and enjoy your adventure.
How much does travel insurance to Hong Kong cost?
The cost of travel insurance to Hong Kong varies from person to person. Several factors could impact how much you pay:
Trip cost: Plan on living the high life? Hong Kong’s the place. The overall cost of your trip, including flights and accommodation, can influence the amount you’ll pay.
Trip length: Longer trips typically cost more to insure than shorter ones.
Your age: Generally, younger travellers will pay less for travel insurance.
Your health: Pre-existing health factors can increase your chance of needing repatriation, for example.
The level of cover you choose: At InsureandGo, we offer four levels of cover. With Budget, Silver, Gold and Black, we’re sure to have a policy to suit you.
Activities: Engaging in high-risk activities such as adventure sports can increase the cost of insurance.
Taking valuable items: Packing your laptop? Our flexible policies give you additional gadget cover if you need it.
Travel insurance to Hong Kong is more expensive than UK or European policies. In Europe, British citizens can apply for a free Global Health Insurance Card (GHIC). In Hong Kong, healthcare is not free and can be expensive. Repatriation costs are much higher.
But there are ways to make travel insurance to Hong Kong more affordable. If you’re travelling with your partner, a couples travel policy can be cost-effective. You can also avoid unnecessary cover. For example, if you don’t plan on doing adventure sports, you don’t need to pay extra for that coverage.
Not sure? Call our team for free or get a quick and easy quote online now
Is Hong Kong part of China for travel insurance?
Yes, most travel insurance providers, including InsureandGo, classify Hong Kong as part of China. Hong Kong is a Special Administrative Region (SAR) of the People’s Republic of China, but it has its own immigration controls.
Worldwide (excluding the USA, Canada, Mexico and the Caribbean)
Worldwide (including the USA, Canada, Mexico and the Caribbean)
Read our policy documents for a closer look at what is and isn’t included.
Can I buy Hong Kong travel insurance after departure?
You need to buy your travel insurance before you leave the UK. It’s not usually possible to start a policy once you’re travelling. Departing for Hong Kong without travel insurance can leave you unprotected in case of any unforeseen events on your trip.
At InsureandGo, you can buy Hong Kong travel insurance at any point before you leave the UK. However, it’s always advisable to arrange your insurance as soon as you know you’ll be travelling. That way, you’ll be covered if you unexpectedly have to cancel your trip.
If you wish to amend an existing policy to include Hong Kong, it could result in an additional premium. We will be basing your policy on what you have already told us. If anything you have told us is wrong or you have missed anything, it may affect your cover.
Amendments to your policy could result in an administration fee of £15 being applied.
Who can buy an InsureandGo Hong Kong travel insurance policy?
All our Hong Kong travel insurance policies are available to UK residents. This means:
Someone who has been living in the UK or the Channel Islands for at least six of the last 12 months
Travel Insurance Expert and Head of Communications
Letitia is a Travel Insurance expert with more than 20 years experience in helping people find specialist insurance. As Head of Communications at InsureandGo, Letitia cares about making it easy for people who love travel to get the cover they need.
