Learn more about travel insurance with medical coverage to put your mind at ease during your trip
“Flash trips”, also known as “mini breaks” or “getaways”, have become an unstoppable trend. Whether you’re heading straight to the airport after work on a Friday to fly to Bangkok for a pop concert, or taking a three-day vacation to Tokyo for an authentic bowl of ramen and a dip in the hot springs, this style of travel requires efficiency and flexibility, in line with modern living standards.
However, the likelihood of accidents happening does not change just because your trip might be shorter than average. So many travellers make detailed plans and itineraries, mapping out popular landmarks and food spots, for example, without considering the potential risks. Sudden illnesses or unexpected accidents can mess up your plans, while the language barrier and high medical expenses can add even more weight to your financial burden. That’s why comprehensive travel insurance coverage, especially medical insurance, has become an essential addition to the modern traveller’s safety net.
‘Short’ does not mean ‘zero-risk’
When choosing the right insurance for your trip, don’t just compare the cost of premiums for each plan. Take the time to learn more about whether the level of coverage and compensation are right for you. It’s worth keeping in mind that some insurance companies have launched new “cancellation of journey for any reason” coverage to provide more flexibility for travellers. Whether you have to cancel your trip because of rumours of a potential earthquake, or even a relationship breakup or other personal factors, you can still receive compensation for it, offering a much more accessible option for travellers who require extra flexibility.
When planning a trip, you should ensure your medical coverage is sufficient. In Europe, the US, Japan and many other countries, medical expenses can be high. A single medical emergency or hospitalisation can easily run up to tens of thousands of dollars. That’s why selecting the right medical compensation coverage is essential. Currently, some travel insurance plans on the market cover medical expenses up to HK$2 million, which is a substantial safeguard for most travellers.
Travel insurance coverage does not stop at accidents. For example, physical exhaustion or illness caused by queueing overnight to buy a limited-edition product, or injuries, sprains or heat stroke caused by chaotic crowds at a concert, are all covered by your insurance. All you need to do is receive treatment at a registered local medical facility and keep the receipts, then submit them as part of your claim upon your return to Hong Kong.
More importantly, injuries such as muscle strain and torn ligaments will require further treatment. Some policies offer coverage that extends to 90 days post-arrival back in Hong Kong for follow-up treatments, including physical therapy, chiropractic treatment or consultations with a registered practitioner of traditional Chinese medicine, ensuring that the insured person is able to focus on their recovery.
Comprehensive assistance services
Most travel insurance companies nowadays offer a 24-hour, worldwide emergency assistance service, which is especially important when traveling to unfamiliar regions. In the event of an emergency, a dedicated support hotline will provide immediate specialised assistance, including referring you to a suitable medical facility, arranging emergency transport to medical facilities, providing hospital admission deposit guarantees, and even facilitating family visits when necessary. This instant support can be crucial in time-sensitive situations, allowing you to feel more at ease in countries where the customs or procedures may be unfamiliar to you.
When it comes to personal accident insurance, travel insurance plans usually offer up to HK$1 million for personal accident compensation, and some insurance companies might also offer double compensation for accidental death. To alleviate the economic strain on your loved ones if anything were to happen, some companies have incorporated more innovative products into their insurance offering. For instance, credit card protection can compensate the insured’s expenditure made using their credit card during travel before their death. Some policies also cover funeral expenses in the event of accidental death, an education grant for the deceased’s children and monetary assistance for families.
Purchase travel insurance early
As quick getaways have become a more common aspect of modern life, purchasing travel insurance should be one of the first things you do right after booking your flights, accommodation and event tickets. If you frequently go on short trips, consider our annual travel insurance plan, which saves you the trouble of taking out insurance each time and ensures that you are never without coverage. Taking out insurance in good time can reduce uncertainty and ensure that you receive compensation promptly.
Before you leave, make sure to read the terms of your policy carefully, especially the sections regarding the scope of your medical insurance coverage and the countries and regions that are covered in your plan. Choose the best insurance plan for your travel habits and needs, and enjoy your getaway to the fullest extent, knowing that you’re covered should anything happen.
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This Chinese version of this article was published in the Hong Kong Economics Journal
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