Best Travel Insurance for Hong Kong in 2025
- The best travel insurances for Hong Kong
- Is it currently safe to travel to Hong Kong?
- Is Travel Insurance Required for the Visa to Hong Kong?
- Why take out travel insurance for Hong Kong?
- What coverage is included in travel insurance for Hong Kong?
- The cost of travel insurance for Hong Kong
- How to Pay Less for Your Travel Insurance to Hong Kong
- Using Your Current Insurance in Hong Kong
- FAQ
Travel insurance for Hong Kong: key takeaways
1. Definition: Travel insurance for Hong Kong covers medical emergencies, trip cancellation, and lost personal belongings.
2. Key protection: Insurance is not required for US citizens, but it is highly recommended for financial protection.
3. Healthcare cost: Hong Kong's private healthcare is expensive, with hospital stays often exceeding $1,000 USD per night.
4. Price: A one-week travel insurance plan for Hong Kong typically costs between $30 and $60 USD.
5. Good to know: Consider policies with trip cancellation coverage, especially during Hong Kong's typhoon season (May-November).
Why trust HelloSafe?
HelloSafe is an international specialist in travel insurance comparison, advising over one million travelers every month. After analyzing 41 travel insurance policies available in the US, our experts share here everything you need to know to choose the best travel insurance for Hong Kong.
The best travel insurances for Hong Kong
| Contract we recommend | Medical reimbursement limit | Our view |
|---|---|---|
| HelloTravel Premium | $1.0M | Our recommendation for safe travel to Hong Kong. - high medical ceiling - emergency repatriation - modern, flexible cover |
| Cap Assistance 24/24 | $1.0M | A reliable option for short trips to Hong Kong. - 24/7 medical support - cancellation insurance - no deductible |
| Tourist Card | $0.5M | A practical plan for tourism in Hong Kong. - good medical coverage - emergency hotline - competitive pricing |
| Travel Pass Monde | $0.7M | Balanced policy for US travelers abroad. - covers hospital costs - global repatriation - wide geographical cover |
| Globe Partner | $0.3M | Simple, essential protections for long or short stays. - covers medical expenses abroad - repatriation - civil liability |
| Globe Traveller | $0.5M | Affordable solution for low-risk trips. - basic medical coverage - fast reimbursements - limited cap |
- high medical ceiling
- emergency repatriation
- modern, flexible cover
- 24/7 medical support
- cancellation insurance
- no deductible
- good medical coverage
- emergency hotline
- competitive pricing
- covers hospital costs
- global repatriation
- wide geographical cover
- covers medical expenses abroad
- repatriation
- civil liability
- basic medical coverage
- fast reimbursements
- limited cap
Is it currently safe to travel to Hong Kong?
As of June 2025, the US Department of State advises travelers to exercise increased caution in Hong Kong due to recent changes in local law and enforcement practices.
Here are their four main recommendations.
- Security risks: arbitrary enforcement of laws can result in the arrest or expulsion of individuals engaging in protests or public criticism of authorities. In recent years, travelers have been detained for activities considered legal elsewhere, especially for participating in demonstrations or public assemblies.
- Health risks: no specific vaccinations are needed, and medical care is of high quality. Emergency numbers function reliably, but costs can be substantial for non-residents requiring hospitalization or urgent interventions.
- Legal constraints: the Safeguarding National Security Ordinance (SNSO) enacted in March 2024 restricts freedom of expression. Dual U.S.-PRC citizens and U.S. citizens of Chinese descent have faced increased scrutiny at border controls.
- Cultural factors: protests and demonstrations are rare but can disrupt daily life and public transit, especially in districts like Central or Mong Kok. Avoid large gatherings or photographing police for personal safety.
Although not required, travel insurance is strongly recommended by the US Department of State, particularly to cover medical expenses and emergency repatriation, which can be extremely costly in Hong Kong.
Is Travel Insurance Required for the Visa to Hong Kong?
Travel insurance is not mandatory for U.S. travelers visiting Hong Kong for tourist stays of up to 90 days.
However, travel insurance is highly recommended. Medical care in Hong Kong is of high quality, but treatment and emergency evacuation can be expensive for foreign visitors without adequate coverage.
According to our data, 80% of travelers purchase travel insurance before going to Hong Kong. This high rate is due to the city’s complex legal environment and high medical costs for visitors.
Why take out travel insurance for Hong Kong?
It is an essential financial and medical protection for anyone going to Hong Kong.
Healthcare costs in Hong Kong can be high, especially for non-residents who often use private hospitals such as Hong Kong Adventist Hospital in Stubbs Road or Gleneagles Hospital in Wong Chuk Hang. Private room fees, advanced diagnostics, and urgent care are expensive, and direct payment is required before treatment.
Travel insurance covers medical expenses, hospitalization, medication, ambulance transportation, and emergency repatriation to the United States in case of serious illness or accident.
Here are some examples of healthcare costs in Hong Kong.
| Example of medical treatment | Cost at Hong Kong Adventist Hospital | Covered by travel insurance |
|---|---|---|
| I have to be hospitalized 48 hours after contracting an infection | 30,000 HKD (about $3,800) | Up to 100% |
| I broke my tibia (X-ray, cast, and crutch rental) | 22,000 HKD (about $2,800) | Up to 100% |
| I need to be repatriated | 180,000 HKD (about $23,000) | Up to 100% |
| I have appendicitis (consultation and surgery) | 70,000 HKD (about $9,000) | Up to 100% |
These prices are given as an indication and may vary depending on the facilities and regions.
It is therefore essential to take out appropriate travel insurance to avoid unexpected and potentially high expenses.
What coverage is included in travel insurance for Hong Kong?
| Main coverages | Explanations and recommendations |
|---|---|
| 🏥 Medical expenses | Covers hospital stays, consultations, medical acts, and prescribed medication after an accident or sudden illness. Recommend at least $150,000 in coverage for Hong Kong due to expensive healthcare. |
| 🚑 Emergency evacuation | Covers ambulance services and medical evacuation to the US in case of major accident or illness. We recommend a minimum reimbursement limit of $200,000. |
| 📦 Repatriation | Pays for transportation of the insured back to the US in case of severe injury or death. We recommend a coverage limit of $100,000. |
| ✈️ Trip cancellation/interruption | Reimburses non-refundable expenses if you have to cancel or curtail your trip due to serious issues (illness, disaster, family emergency). A minimum of $7,000 per trip is advisable. |
| 🦷 Dental emergency | Pays for urgent dental care due to accident or acute pain. Coverage of at least $1,500 is suggested. |
| 💼 Lost/stolen baggage | Reimburses for loss, theft or delay of baggage and personal belongings. We recommend at least $2,000 per claim. |
| ⚖️ Personal liability | Covers legal expenses and damages in case you accidentally injure someone or damage property. A coverage limit of $500,000 is recommended. |
| 📞 24/7 assistance | Access to emergency support and services in English throughout your stay. Choose a plan with unlimited multilingual assistance hotline available 24/7. |
Recommend at least $150,000 in coverage for Hong Kong due to expensive healthcare.
We recommend a minimum reimbursement limit of $200,000.
We recommend a coverage limit of $100,000.
A minimum of $7,000 per trip is advisable.
Coverage of at least $1,500 is suggested.
We recommend at least $2,000 per claim.
A coverage limit of $500,000 is recommended.
Choose a plan with unlimited multilingual assistance hotline available 24/7.
Travel insurance from local providers or with bank cards typically offers limited coverage, low reimbursement limits, and many exclusions. It is safer to opt for a trusted insurer with comprehensive coverage. Compare top options on HelloSafe and subscribe online for instant certification.
The cost of travel insurance for Hong Kong
| Trip duration | Traveler’s age | Indicative price per person |
|---|---|---|
| 1 week | 25 years old | $26 |
| 2 weeks | 45 years old | $44 |
| 1 month | 35 years old | $65 |
| 1 month | 70 years old | $122 |
These prices are indicative and may vary depending on the coverage chosen and the specifics of each insurer.
Good to know
The cost of your travel insurance is influenced by several key elements. These include: the traveler's age, the length of your trip, your destination, the level of coverage you select, and any add-ons like a cancellation option. Keeping these factors in mind is crucial for finding a policy that fits your needs and budget.
💡 It is always recommended to compare multiple offers to find the best value-for-money plan for you. You can use HelloSafe.
👉 Compare the best travel insurance for freeI compareHow to Pay Less for Your Travel Insurance to Hong Kong
Here are some suggestions to optimize the cost of your travel insurance to Hong Kong while keeping good coverage:
| Criteria | Why it matters | Expert tip |
|---|---|---|
| 🗓️ Trip duration | The longer your stay, the higher the insurance cost. Short trips cost less to insure. | Choose a policy matching only your actual travel dates to avoid paying for unused coverage. |
| 👥 Number of travelers | More people insured increases the price. Family or group plans may offer savings. | Select a family or group plan to benefit from bundled rates rather than separate policies. |
| 🏥 Level of coverage | Higher medical and liability limits increase premiums. Hong Kong has high medical costs. | Choose at least $100,000 in medical coverage for emergencies but avoid adding unnecessary options. |
| 🧓 Traveler’s age | Insurance prices typically rise for older travelers. | Heymondo does not increase its prices for people over 62, so compare with other providers. |
| 💼 Type of activities | Adventure or sports activities require additional coverage, affecting the price. | Only add activity coverage if you plan to participate in higher-risk sports or excursions. |
| 🌎 Pre-existing conditions | Declaring medical conditions can increase your premium. | Disclose only what is necessary and check for dedicated policies if you have specific medical needs. |
| ✈️ Deductibles | Higher deductibles result in lower premiums, but mean higher out-of-pocket costs. | Opt for a higher deductible only if you can comfortably cover more of potential minor expenses. |
Using Your Current Insurance in Hong Kong
It is completely legitimate to wonder whether your existing coverage, such as credit card insurance or your public health plan, can protect you during a trip to Hong Kong. Unfortunately, this coverage is often limited or insufficient for travel emergencies. Here is a summary table to help you review your current insurance and what it covers.
| Type of insurance | Valid in Hong Kong? | What it covers | Why Travel Insurance is better |
|---|---|---|---|
| Public health insurance (Medicaid, Medicare) | No, never | No coverage outside the US. No reimbursement for hospitalization, evacuation, or outpatient expenses. | Travel insurance covers $100,000+ in medical care and full repatriation abroad. |
| Private health insurance | Yes, partly | Possible partial reimbursement, typically below $50,000. No advance payment, repatriation rarely included. | Travel insurance provides $100,000+ direct cover and 24/7 in-country emergency evacuation. |
| Classic credit card (Chase Freedom, Capital One Platinum, Citi Diamond) | Yes, partly | Limited medical, usually below $5,000. No support for trip cancellation, lost baggage, or evacuation. | Travel insurance offers $100,000+ medical, trip cancellation, and lost baggage protection. |
| Premium credit card (Chase Sapphire Reserve, Amex Platinum, Citi Prestige) | Yes, partly | Medical cap about $25,000–$100,000. Trip delay, baggage loss limited, no comprehensive evacuation or on-site aid. | Travel insurance covers $100,000+ medical, $5,000+ cancellation, and high ceiling evacuation costs. |
Example
While hiking in Hong Kong, Mark suffered a severe ankle fracture. Emergency surgery at a private hospital cost $35,000. His Chase Sapphire card's travel benefit only covered $2,500, and his US health plan had no out-of-country network, leaving him with a shocking $32,500 bill for his unexpected injury.
Expert advice
Always check your existing insurance terms, exclusions, and limits. Essential situations, like trip interruption for a relative's illness, may be excluded. Read the conditions carefully to avoid surprises abroad. In all cases, it is safer and more reassuring to subscribe to a dedicated travel insurance tailored to your trip.
FAQ
Do I need a visa to travel to Hong Kong?
U.S. citizens do not need a visa for tourist stays in Hong Kong of up to 90 days. You must have a passport valid for at least one month beyond your intended departure from Hong Kong. Proof of onward or return travel and sufficient funds may also be requested at entry.
How do I purchase travel insurance for Hong Kong?
To purchase travel insurance for Hong Kong, start by comparing options with the HelloSafe travel insurance comparison tool. Next, check the policy details and make sure to review what is covered and excluded, especially for medical and legal expenses in Hong Kong. Once you find the right coverage, buy online and your certificate will be sent to you directly.
Are medical expenses in Hong Kong expensive without insurance?
Medical care in Hong Kong is of high quality, but costs can be significant for visitors. A hospital stay or emergency treatment at a private hospital can easily exceed $3,000 USD per day. Travel insurance can help cover these expenses and prevent large, unexpected out-of-pocket payments.
Will travel insurance cover legal expenses or liability in Hong Kong?
Many travel insurance policies offer personal liability coverage, which can help if you are held legally responsible for injury or property damage. Legal expenses related to detainment or legal disputes, especially under local laws, may be included in more comprehensive policies. Check the terms for limits and specific exclusions.
What should I do if I need emergency assistance in Hong Kong?
If you encounter an emergency, dial 999 for police, fire, or medical services. Contact your travel insurance provider’s 24/7 emergency helpline as soon as possible. They can help with hospital referrals, translation, arranging payments, and coordinating medical evacuation if required.
Can I extend my travel insurance if I decide to stay in Hong Kong longer?
Many insurers let you request an extension of your coverage online before your original policy expires. Apply for the extension before your current insurance runs out to guarantee continuous coverage for accidents, illness, or travel-related emergencies during your extended stay.
Do I need a visa to travel to Hong Kong?
U.S. citizens do not need a visa for tourist stays in Hong Kong of up to 90 days. You must have a passport valid for at least one month beyond your intended departure from Hong Kong. Proof of onward or return travel and sufficient funds may also be requested at entry.
How do I purchase travel insurance for Hong Kong?
To purchase travel insurance for Hong Kong, start by comparing options with the HelloSafe travel insurance comparison tool. Next, check the policy details and make sure to review what is covered and excluded, especially for medical and legal expenses in Hong Kong. Once you find the right coverage, buy online and your certificate will be sent to you directly.
Are medical expenses in Hong Kong expensive without insurance?
Medical care in Hong Kong is of high quality, but costs can be significant for visitors. A hospital stay or emergency treatment at a private hospital can easily exceed $3,000 USD per day. Travel insurance can help cover these expenses and prevent large, unexpected out-of-pocket payments.
Will travel insurance cover legal expenses or liability in Hong Kong?
Many travel insurance policies offer personal liability coverage, which can help if you are held legally responsible for injury or property damage. Legal expenses related to detainment or legal disputes, especially under local laws, may be included in more comprehensive policies. Check the terms for limits and specific exclusions.
What should I do if I need emergency assistance in Hong Kong?
If you encounter an emergency, dial 999 for police, fire, or medical services. Contact your travel insurance provider’s 24/7 emergency helpline as soon as possible. They can help with hospital referrals, translation, arranging payments, and coordinating medical evacuation if required.
Can I extend my travel insurance if I decide to stay in Hong Kong longer?
Many insurers let you request an extension of your coverage online before your original policy expires. Apply for the extension before your current insurance runs out to guarantee continuous coverage for accidents, illness, or travel-related emergencies during your extended stay.
