Travel insurance* coverage in relation to COVID-19

iTravel Plus (Single Trip)

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Enjoy a hassle-free holiday with comprehensive travel protection

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Why choose MSIG?

Extra Benefits for Black Alert and Red Alert Under the Outbound Travel Alert System

Up to HK$50,000 and HK$25,000 respectively

Loss of or Damage to Mobile Phone⁵

Up to HK$2,000

Amateur Dangerous Sports and Activities Coverage⁶

Cover at no extra cost

Trip Cancellation and Curtailment

Up to HK$50,000 unused travel and accommodation expenses which are not recoverable (including overseas local tour packages or admission tickets to any major sporting event, concert or theme park etc.)

Trip Rearrangement

Up to HK$7,500 cover for additional transport and accommodation expenses, if your return trip to Hong Kong is unavoidably re-routed, including up to HK$1,000 per day for accommodation expenses

Terrorism Extension¹⁰

Up to HK$3,000,000 per person for accidental death/permanent total disablement, bodily injury, medical expenses and worldwide travel assistance services

3 exclusive travel privileges to elevate your travel experience

Privilege 1 - MSIG Easy Lounge

At over 1,600 airports worldwide, if your flight is delayed for 60 minutes or more, you and up to 5 travel companions can access designated airport lounges for free, regardless of the reasons. Enjoy complimentary food and beverages, Wi-Fi services, and charging facilities.

Privilege 2 - Overseas medical teleconsultation

If you unfortunately fall ill while traveling, you can use the DrGo App to schedule a free overseas medical teleconsultation via a third -party platform. In addition to designated local registered doctors at your destination, you can also book a Hong Kong doctor for a second medical opinion, ensuring you receive the necessary medical support.

This service is only available in Japan, Singapore, Thailand, Vietnam, and the Philippines, subject to relevant terms and conditions.

Privilege 3 - Door-to-door luggage repair service

If your luggage is unfortunately damaged during your trip, you can contact MSIG luggage repair specialist at +852 2410 8022 or WhatsApp at +852 6645 0349 after returning to Hong Kong. The repair company will pick up your luggage for repair and deliver it back to your home once the repair is completed. This service is completely free of charge, eliminating the inconvenience of transporting the luggage yourself, making it convenient and efficient.

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Select plans to compare

Selected: Plan A (Worldwide) Plan B (Worldwide) Plan C¹¹ (Asia)

Benefits at a Glance	Maximum Benefits Payable (HK$)
	Plan A (Worldwide)	Plan B (Worldwide)	Plan C¹¹ (Asia)
Personal Accident^1,2,3 Accidental death/permanent total disablement/loss of two limbs or sight in both eyes/permanent total loss of speech and hearing (An advance payment of HK$50,000 cash relief will be paid to your legal representative in the event of your accidental death)	$1,000,000	$500,000	$250,000
Loss of one limb⁹ or sight in one eye/permanent total loss of speech or hearing.	$500,000	$250,000	$125,000
Covers 3^rd degree burns of the minimum percentage of the surface area of your body as specified in the policy	$1,000,000	$500,000	$250,000
Double indemnity⁴ for accidental death while you are travelling in a private car or as a fare-paying passenger on public transport (e.g. scheduled flight, train) or in any armed robbery or attempted armed robbery	$2,000,000	$1,000,000	Not applicable
Medical Expenses^1,3 Pays for necessary medical treatment expenses and reasonable additional transport expenses if it is necessary and unavoidable for you to stay beyond your intended return date due to sickness or bodily injury abroad. Pays for follow-up medical expenses within 90 days after arrival in Hong Kong up to HK$50,000 including Chinese medical practitioners' fees up to HK$150 per visit per day and up to HK$1,500 in total.	$1,000,000	$500,000	$100,000
Terrorism Extension¹⁰ Extends to provide you with Worldwide Travel Assistance Services as well as cover in respect of death or bodily injury (including necessary medical expenses incurred) which may be sustained through acts of terrorism under the Personal Accident & Medical Expenses Sections	$3,000,000	$3,000,000	$3,000,000
Amateur Dangerous Sports and Activities Coverage⁶ Pay you in the event of accidental death or bodily injury while you are taking part in hot-air ballooning, scuba diving, skiing, snowboarding, tobogganing, sledding, water skiing, wakesurfing, wakeboarding, rafting, sailing, windsurfing, bungee jumping, horse riding, trekking or hiking, parasailing, banana boat trip, canoeing, kayaking, sea kayaking, underwater strolling, sand boarding, safari adventures, or zipline adventure activities	Up to $250,000 maximium benefits under the Personal Accident and Medical Expenses Sections	Up to $125,000 maximium benefits under the Personal Accident and Medical Expenses Sections	Not applicable
24-hour Worldwide Travel Assistance Services⁸ 24-hour worldwide emergency medical evacuation and repatriation after treatment	$2,000,000	$2,000,000	$2,000,000
Deposit guarantee for hospital admission	$40,000	$40,000	$40,000
Unexpected return to Hong Kong, compassionate visit, children escort arrangements, etc	Covered	Covered	Covered
Trip Cancellation and Curtailment Reimburses expenses of unused travel and accommodation (including overseas local tour package or admission tickets to any major sporting event, concert or theme park etc.) if your trip is cancelled or curtailed due to serious bodily injury, serious sickness or death of you, your immediate family members, fiancé(e) or close business partner; residential fire or flooding; jury services, witness summons or compulsory quarantine of you; or if you decide to cancel your trip due to adverse weather conditions, natural disaster directly resulting in suspension of public transport, closure of the airport, strike, industrial action, riot or mechanical and/or electrical breakdown of the public transport which results in delay in departure from Hong Kong for not less than 24 hours. For Black Alert and Red Alert under the Outbound Travel Alert System: - If the Black Alert is hoisted, pays up to 100% of the relevant loss and up to 100% of section limit, or if the Red Alert is hoisted, pays up to 50% of the relevant loss and up to 50% the section limit. Pays up to HK$300 administration charge billed by the travel agent if your trip is cancelled or curtailed. Reimburses additional transport expenses if you are forced to leave the city you are staying for another city in order to return to Hong Kong. Pays HK$1,000 cash allowance if you must stay overnight in another city waiting for necessary transport to return to Hong Kong.	$50,000	$25,000	$3,500
Travel Delay Pays HK$250 for each 6-hour period of delay and each subsequent period of 12 hours if: The arrival/departure of public transport is delayed as a result of strike or industrial action, riot, hijack, adverse weather conditions, natural disaster directly resulting in suspension of public transport, closure of the airport, mechanical and/or electrical breakdown of public transport or Your trip is delayed due to serious bodily injury, serious sickness or death of you or your immediate family members, fiance(e) or close business partner travelling with you abroad If the original departure and arrival ports/airports of the Public Transport conveyance that you have arranged are in/from mainland China, the maximum cover is HK$500	$2,000	$1,000	$500
Trip Rearrangement Reimburses unused travel and accommodation (including overseas local tour package or admission tickets to any major sporting event, musical, concert, museum or theme park) you have paid for or payments for which you are legally obliged to pay, or reimburses additional transport and/or accommodation expenses incurred, and which are not recoverable from any other source in reaching your planned destination, or for your return trip to Hong Kong if your trip is unavoidably re-routed due to strike or industrial action, riot, hijack, adverse weather conditions or natural disaster directly resulting in suspension of public transport or closure of the airport Pays for accommodation expenses up to HK$1,000 per day	$7,500	$5,000	$1,500
Loss of Baggage Pays for accidental loss of or damage to personal baggage. The maximum amount we will pay for: any single article, pair or set of articles is HK$2,000. all of your sports equipment is HK$5,000 in total. all of your valuables is HK$5,000 in total. all of your cameras, camcorders and audio/video equipment is HK$5,000 in total. any mobile phone is HK$2,000 (mobile phone cover is for Plan A only and is not applicable to Insured Person(s) who is(are) aged below 18 under Family Plan). Excess HK$200	$20,000	$15,000	$5,000
Delayed Baggage Pays for the cost of emergency purchase of essential clothing or toiletries if your baggage is delayed for more than 12 hours on the outward journey	$1,500	$1,000	$500
Personal Money, Documents and Additional Accommodation Expenses Covers the loss of cash or travellers’ cheques directly arising from theft, robbery or burglary during the period of insurance, subject to a maximum amount of HK$3,000 for Plan A, HK$2,000 for Plan B and HK$300 for Plan C⁵ Reimburses the replacement cost of Hong Kong identity card, credit cards, driving licence, travel tickets, hotel vouchers or passport Pays for additional travel and accommodation expenses which are necessary to obtain a replacement passport if your passport is lost or stolen while you are abroad Excess HK$200	$10,000	$5,000	$600
Personal Liability Pays for any amount for which you become legally liable to pay as compensation for an accident occurring which causes bodily injury to any other person or damage to property	$2,500,000	$2,500,000	$250,000
Rental Vehicle Excess Pays an excess for which you become liable to pay under the agreement with a licensed rental company for loss of or damage to the vehicle that you rent	$5,000	$5,000	$2,000
Golfers' Hole-in-One⁷ Pays for the cost of hospitality if you achieve a “Hole-in-One” in any recognised golf-course	$5,000	$3,000	Not applicable
Automatic Extension of Cover (Applicable to Travel Delay and Trip Rearrangement) Cover is automatically extended free of charge in the event of delays due to unforeseen events covered under the Travel Delay and Trip Rearrangement Sections	Up to 14 days	Up to 14 days	Up to 14 days

Optional Benefits (Applicable to Plan A and Plan B) (for 2-10 days single trip travel plan and only applicable if it is shown as being operative in the schedule)	Maximum Benefits Payable (HK$)
	Plan A (Worldwide)	Plan B (Worldwide)	Plan C¹¹ (Asia)
Extra Sports Equipment Benefits (Applicable to Loss of Baggage and Delayed Baggage) Pays for accidental loss of or damage to personal baggage sub-limit for all sports equipment.	Extra $5,000		N/A
Covers the actual expense for rental of sports equipment due to check-in baggage delayed more than 12 hours.	$1,000		N/A
Upgraded Rental Vehicle Excess (Applicable to Rental Vehicle Excess) Pays an excess which you become liable to pay under the agreement with licensed rental company for loss of or damage to the vehicle that you rent.	Extra $5,000		N/A
Pet Accommodation Protection Covers additional accommodation expenses for one pet charged by a licensed kennel/cattery or pet hotel for the insured trip if you are unable to collect your dog/cat on the day agreed due to the following reasons: The arrival of your return flight is delayed by at least 6 hours; or You are hospitalized or quarantined outside Hong Kong and as a result you cannot arrive in Hong Kong on the original return date	$1,000		N/A

Travel Insurance coverage in relation to COVID-19^#

Customers who enrol in iTravel Plus (Single Trip) travel insurance from now until on will enjoy a complimentary COVID-19 daily cash benefit^{^}. Our COVID-19 benefits include:

NEW $500 daily cash benefit (up to 10 days) if the insured person is compulsory quarantined or hospitalised overseas as a result of being diagnosed with COVID-19
Trip cancellation or delay due to COVID-19 diagnosis prior to trip commencement
Trip curtailment due to COVID-19 diagnosis during the trip
Medical expenses for overseas hospitalisation incurred by COVID-19 treatment

^#The Insured Person(s) must fulfil the entry rules and conditions requirement both in Hong Kong and your planned travel destination(s). For any COVID-19 related claims, the claimant must provide PCR-based nucleic acid test record or rapid antigen test results and proofs indicating the confirmed COVID-19 infection (e.g. medical notes, report, government declaration record).

^{^}Applicable to iTravel Plus (Single Trip) Plan A, B only

Important Notes:

The maximum indemnity under Personal Accident and Medical Expenses Sections for an insured person who is over 70 years of age will be limited to only 25% of the sum insured.
The maximum indemnity under Personal Accident Section for the insured person who is under 18 years of age will be limited to HK$250,000.
For Family Plan, the maximum indemnity under Personal Accident Section will be limited to HK$1,500,000 and the maximum indemnity under Medical Expenses Section will be limited to HK$3,000,000 for all of the insured persons who are under 18 years of age. Family Plan is not offered to Plan C.
The Double Indemnity benefit under Personal Accident Section will not be available to those insured persons who are under 18 or over 70 years of age at the time of an accident. This extra benefit is not applicable to Plan C.
This benefit is not applicable to insured person(s) is(are) below 18 years of age and insured under a Family Plan.
The Amateur Dangerous Sports and Activities Extension under Personal Accident Section and Medical Expenses Section will not be available to those insured person who are over 70 years of age. This extra benefit is not applicable to Plan C.
The Golfers' Hole-in-One benefit will not be available to those Insured Persons who are under 18 years of age.
24-hour Worldwide Travel Assistance Services are available outside the Country of Residence. Country of Residence will be regarded as Hong Kong.
"Loss of one limb" is defined in the policy as loss by physical severance at or above the wrist or ankle or the total loss of use of an entire hand, arm, foot or leg.
Any acts of terrorism involve the use of biological, chemical agents or nuclear devices are excluded.
Asia: Listed countries and areas in Asia including China, Macau, Brunei, Cambodia, Indonesia, Japan, Korea, Laos, Malaysia, Myanmar, Philippines, Singapore, Taiwan, Thailand and Vietnam.

*Collection of Levy on Insurance Premium: Insurance Authority (IA) has announced the collection of levy on insurance premium under the “Insurance Ordinance” with effect from 1st January 2018. As a result, all premium amounts shown in this webpage are subject to levy. For further information, please visit www.ia.org.hk/en/levy

In the event of any discrepancy between the English and Chinese versions of any of the above details, the English version shall prevail. For details of coverage, terms, conditions, and exclusions, please refer to the policy wording.

Days	Individual Plan			Family Plan*
	Plan A (HK$)	Plan B (HK$)	Plan C (HK$)	Plan A (HK$)	Plan B (HK$)
2	244	186	147	610	464
3	311	229	178	778	572
4	363	259	200	907	648
5	393	289	223	983	724
6	426	322	246	1,064	805
7	456	342	263	1,139	856
8	486	363	278	1,215	907
9	518	382	292	1,296	956
10	549	393	300	1,372	983
11	579	404	309	1,447	1,010
12	600	415	317	1,501	1,037
13	622	426	325	1,555	1,064
14	643	435	333	1,607	1,088
15	662	441	337	1,655	1,102
16	683	456	348	1,706	1,139
17	704	467	356	1,760	1,166
18	726	475	363	1,814	1,188
19	746	486	371	1,866	1,215
20	767	497	379	1,917	1,242
21	786	508	388	1,966	1,269
22	808	518	395	2,020	1,296
23	829	529	403	2,074	1,323
24	850	539	411	2,125	1,347
25	870	550	419	2,176	1,374
26	897	559	427	2,244	1,399
27	923	570	435	2,309	1,426
28	951	579	441	2,379	1,447
29	977	590	449	2,444	1,474
30	1,004	600	457	2,511	1,501
31 up to 182	HK$24 for each additional day	HK$19 for each additional day	Not applicable	HK$59 for each additional day	HK$49 for each additional day

Optional Benefits (Applicable to Plan A and Plan B)	Individual Plan (HK$)	Family Plan³ (HK$)
Extra Sports Equipment Benefits	30	75
Upgraded Rental Vehicle Excess	60 (HK$ 120 for 2 or more insured persons)	120
Pet Accommodation Benefit	30 (for one pet per insured person)	30 (for one pet per family)

*Family Plan cover is only applicable to a legally married couple and any number of your child(ren) below 18 years of age

Important Notes:

Maximum days per trip of Plan A and Plan B are 182 days. Maximum days per trip of Plan C is 30 days, each trip should be commenced in Hong Kong.
There is no minimum age limit for this plan. Maximum age limit is 85.
Family Plan is only applicable to a legally married couple and any number of your child(ren) under 18 years of age. Child(ren) under 12 years of age must be accompanied by a parent or a guardian in the insured trip. Family Plan is not offered for Plan C.
The Amateur Dangerous Sports Extension under Personal Accident Section and Medical Expenses Section will not be available to those Insured Persons who are over 70 years of age.
No mobile phone benefit is payable for Plan B or Plan C, or if the Insured Person(s) is(are) below 18 years of age insured under a Family Plan.
The maximum indemnity under Personal Accident Section for the Insured Person who is under 18 years of age will be limited to HK$250,000.
For Family Plan, the maximum indemnity under Personal Accident Section will be limited to HK$1,500,000 and the maximum indemnity under Medical Expenses Section will be limited to HK$3,000,000 for all of the Insured Persons who are under 18 years of age.
The maximum indemnity under Personal Accident and Medical Expenses Sections for an Insured Person who is over 70 years of age will be limited to 25% of the Sum Insured.
The Double Indemnity benefit under Personal Accident Section will not be available to those Insured Persons who are under 18 or over 70 years of age at the time of an accident. This extra benefit is not applicable to Plan C. This extra benefit is not applicable to Plan C.
Any acts of terrorism involve the use of biological, chemical agents or nuclear devices are excluded.
iTravel Plus (Single Trip) is only available for online purchase.

This product leaflet is for reference only. Please refer to the policy wording for details of the coverage, terms, conditions and exclusions.

*Collection of Levy on Insurance Premium - The Insurance Authority (IA) has announced the collection of levy on insurance premium under the “Insurance Ordinance” with effect from 1st January 2018. As a result, all premium amounts shown in this product factsheet are subject to levy.

Any liability arising from a contractual agreement without the prior consent of Us is not covered
Any liability arising from the loss of or damage to property which belongs to or in custody or control of You or your family members is not covered
Professional or organised dangerous sports or activities
Trekking or hiking at an altitude of over 5,000 meters above sea-level, scuba diving to a depth greater than 30 meters below sea-level
Manual work undertaken during business trips
Suicide, intentional self-inflicted injury, insanity
Mental or nervous disorders, sleep disorder, psychiatric disorder
Alcoholic and drug addiction or solvent abuse
HIV (Human Immunodeficiency Virus) and AIDS (Acquired Immune Deficiency Syndrome)
Flying activities other than as a fare-paying passenger on a regular or schedule airline or licensed chartered aircraft
Air flight crew
Unlawful acts
War and terrorism (Except for Terrorism Extended Cover)
Nuclear weapons and radiations
Loss of or damage to any pager, mobile phone (except for the benefit specifically provided under the above Benefit "Loss of Baggage"), tablet computer, portable telecommunication equipment, aerial device (i.e. aerial photography equipment) or any of its accessories including sim card or digital storage card and the like

Excess for each and every claim (HK$)
Loss of Baggage	First $200 of each and every claim
Personal Money, Documents and Additional Accommodation Expenses	First $200 of each and every claim

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iTravel Plus (Single Trip) – Factsheet

Promotion flyer - Exclusive privileges to elevate your travel experience

Frequently asked questions

Your iTravel Plus Policy will only be automatically extended for a maximum of 14 days, for the reasons stated in the Travel Delay and Trip Rearrangement sections. If you wish to extend your trip for other purposes and also extend the period of insurance, you are advised to contact us before expiration of the policy to obtain our prior consent. An additional premium may be required to extend your period of insurance under these circumstances.

Unfortunately, medical expenses incurred after your return to Hong Kong are not covered. Under your iTravel Plus Policy, we only pay for medical expenses incurred as follow-up treatment in Hong Kong, if you have consulted a legally registered medical practitioner overseas for the same sickness during the insured trip.

We are sorry that we cannot proceed with your claim because "air traffic control" does not fall within our policy coverage, as set out in the Travel Delay section. However, you will be compensated with HK$250 for the first 6 hours of delay and for each subsequent period of 12 hours of delay if the delay from "air traffic control" was either the direct or indirect result of adverse weather conditions or natural disaster which had not yet taken place or been announced when you purchased the travel insurance.

Products you may be interested in

iTravel Plus (Annual)

Get a quote

Annual travel protection for frequent travellers

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Why choose MSIG?

Extra Benefits for Black Alert and Red Alert Under the Outbound Travel Alert System

Up to HK$50,000 and HK$25,000 respectively

Loss of or Damage to Mobile Phone⁵

Up to HK$2,000

Amateur Dangerous Sports and Activities⁴

Cover at no extra cost

Trip Cancellation and Curtailment

Trip Rearrangement

Up to HK$7,500 cover for additional transport and accommodation expenses, if your return trip to Hong Kong is unavoidably re-routed, including up to HK$1,000 per day for accommodation expenses

Terrorism Extension⁹

Up to HK$3,000,000 per person for accidental death/permanent total disablement, bodily injury, medical expenses and worldwide travel assistance services

3 exclusive travel privileges to elevate your travel experience

Privilege 1 - MSIG Easy Lounge

Privilege 2 - Overseas medical teleconsultation

This service is only available in Japan, Singapore, Thailand, Vietnam, and the Philippines, subject to relevant terms and conditions.

Privilege 3 - Door-to-door luggage repair service

Learn more

Benefits at a Glance	Maximum Benefits Payable (HK$)
	Plan A	Plan B
Personal Accident^1,2,3 Accidental death/permanent total disablement/loss of two limbs or sight in both eyes/permanent total loss of speech and hearing (An advance payment of HK$50,000 cash relief will be paid to your legal representative in the event of your accidental death)	$1,000,000	$500,000
Loss of one limb⁸ or sight in one eye/permanent total loss of speech or hearing	$500,000	$250,000
Covers 3rd degree burns of the minimum percentage of the surface area of your body as specified in the policy	$1,000,000	$500,000
Medical Expenses^1,3 Pays for necessary medical treatment expenses and reasonable additional transport expenses if it is necessary and unavoidable for you to stay beyond your intended return date due to sickness or bodily injury abroad Pays for follow-up medical expenses within 90 days after arrival in Hong Kong up to HK$100,000 including registered herbalists, bonesetters and acupuncture’ fees up to HK$150 per visit per day and up to HK$1,500 in total	$1,000,000	$500,000
Hospital Cash Pays HK$500 per day up to HK$5,000 in total when you are hospitalised as an inpatient due to bodily injury or sickness when abroad	$5,000	$5,000
Terrorism Extension⁹ Extends to provide you with Worldwide Travel Assistance Services as well as cover in respect of death or bodily injury (including necessary medical expenses incurred) which may be sustained through acts of terrorism under the Personal Accident & Medical Expenses Sections. (Any acts of terrorism involving the use of biological, chemical agents or nuclear devices are excluded)	$3,000,000	$3,000,000
Amateur Dangerous Sports and Activities Coverage⁴ Pay you in the event of accidental death or bodily injury while you are taking part in hot-air ballooning, scuba diving, recreational alpine skiing or snowboarding, tobogganing or sledding, water skiing, wakesurfing, wakeboarding, rafting, sailing, windsurfing, bungee jumping, horse riding, trekking or hiking, parasailing, banana boat trip, canoeing, kayaking, sea kayaking, underwater strolling, sand boarding, safari adventures, or zipline adventure activities	Up to $250,000 under the Personal Accident and Medical Expenses Sections	Up to $125,000 under the Personal Accident and Medical Expenses Sections
24-hour Worldwide Travel Assistance Services⁶ 24-hour worldwide emergency medical evacuation and repatriation after treatment	$2,000,000	$2,000,000
Deposit guarantee for hospital admission	$40,000	$40,000
Unexpected return to Hong Kong, compassionate visit, children escort arrangements, etc.	Covered	Covered
Trip Cancellation and Curtailment Reimburses expenses of unused travel and accommodation (including overseas local tour package or admission tickets to any major sporting event, concert or theme park etc.) if your trip is cancelled or curtailed due to serious bodily injury, serious sickness or death of you, your immediate family members, fiancé(e) or close business partner; residential fire or flooding; jury services, witness summons or compulsory quarantine of you; or if you decide to cancel your trip due to adverse weather conditions, natural disaster directly resulting in suspension of public transport or closure of the airport, strike, industrial action, riot or mechanical and/or electrical breakdown of the public transport which results in delay in departure from Hong Kong for not less than 24 hours For Black Alert and Red Alert under the Outbound Travel Alert System: If the Black Alert is hoisted, pays up to 100% of the relevant loss and up to 100% of the section limit, or if the Red Alert is hoisted, pays up to 50% of the relevant loss and up to 50% the section limit Pays up to HK$300 administration charge billed by the travel agent if your trip is cancelled or curtailed Reimburses additional transport expenses if you are forced to leave the city in which you are staying for another city in order to return to Hong Kong Pays HK$1,000 cash allowance if you must stay overnight in another city waiting for necessary transport to return to Hong Kong	$50,000	$25,000
Replacement Employee⁷ Reimburses transport costs of sending an employee overseas to replace the insured person who needs to be repatriated to Hong Kong due to bodily injury or sickness. The maximum amount payable will not exceed an economy class air ticket	$20,000	$20,000
Travel Delay Pays HK$250 for each 6-hour period of delay and each subsequent period of 12 hours if: the arrival/departure of public transport is delayed as a result of strike or industrial action, riot, hijack, adverse weather conditions, natural disaster directly resulting in suspension of public transport or closure of the airport, or mechanical and/or electrical breakdown of the public transport or your trip is delayed due to serious bodily injury, serious sickness or death of you or your immediate family members, fiancé(e) or close business partner travelling with you abroad if the original departure and arrival ports/airports of the Public Transport conveyance that you have arranged are in/from mainland China, the maximum cover is HK$500	$2,000	$1,000
Trip Rearrangement Reimburses unused travel and accommodation (including overseas local tour package or admission tickets to any major sporting event, musical, concert, museum or theme park) you have paid for or payments for which you are legally obliged to pay, or reimburses additional transport and/or accommodation expenses incurred, and which are not recoverable from any other source in reaching your planned destination, or for your return trip to Hong Kong if your trip is unavoidably re-routed due to strike or industrial action, riot, hijack, adverse weather conditions or natural disaster directly resulting in suspension of public transport or closure of the airport Pays for accommodation expenses up to HK$1,000 per day	$7,500	$5,000
Delay Due to Hijack Pays HK$500 for each day that you are prevented from reaching your scheduled destination through hijack of the aircraft in which you are travelling	$2,500	$2,500
Loss of Baggage Pays for accidental loss of or damage to personal baggage. The maximum amount we will pay for: any single article, pair or set of articles is HK$2,000 all of your sports equipment is HK$5,000 in total all of your valuables is HK$5,000 in total all of your cameras, camcorders and audio/video equipment is HK$5,000 in total any mobile phone is HK$2,000 (mobile phone cover is for plan A only and is not applicable to Insured Person(s) who is(are) aged below 18 under Family Plan) Excess HK$200	$20,000	$15,000
Delayed Baggage Pays for the cost of emergency purchase of essential clothing or toiletries if your baggage is delayed for more than 12 hours on the outward journey	$1,500	$1,000
Loss of Business Documents or Samples Reimburses the cost of replacing business records, documents or samples which have been lost or damaged. (The maximum cover for any one article is HK$1,000) Excess HK$200	$2,500	$2,500
Personal Money, Documents and Additional Accommodation Expenses Covers the loss of cash or travellers’ cheques directly arising from theft, robbery or burglary during the period of insurance, subject to a maximum amount of HK$3,000 for Plan A and HK$2,000 for Plan B⁵ Reimburses the replacement cost of Hong Kong identity card, credit cards, driving licence, travel tickets, hotel vouchers or passport Covers the loss of travellers’ cheques and foreign currency purchased in respect of the journey for up to 72 hours before the planned departure time in Hong Kong due to theft or burglary Pays for additional travel and accommodation expenses which are necessary to obtain a replacement passport if your passport is lost or stolen while you are abroad Excess HK$200	$10,000	$5,000
Personal Liability Pays for any amount for which you become legally liable to pay as compensation for an accident occurring which causes bodily injury to any other person or damage to property	$2,500,000	$2,500,000
Rental Vehicle Excess Cover Pays an excess for which you become liable to pay under the agreement with a licensed rental company for loss of or damage to the vehicle that you rent	$5,000	$5,000
Automatic Extension of Cover Cover is automatically extended free of charge up to 14 days in the event of delays due to unforeseen events covered under the Trip Delay Section (Travel Delay, Trip Rearrangement, Delay Due to Hijack) Cover is automatically extended free of charge up to 30 days in the event of delays due to bodily injury/sickness covered under the Medical Expenses Section	Covered	Covered

Travel Insurance coverage in relation to COVID-19^#

Customers who enrol in iTravel Plus (Annual) travel insurance from now on will enjoy a complimentary COVID-19 daily cash benefit. As a token of appreciation to the continued support of our customers, the insured person(s) of all existing iTravel Plus (Annual) policies will also receive this free benefit until the end of policy period so you can travel worry-free. Our COVID-19 benefits include:

NEW $500 daily cash benefit (up to 10 days) if the insured person is compulsory quarantined or hospitalised overseas as a result of being diagnosed with COVID-19
Trip cancellation or delay due to COVID-19 diagnosis prior to trip commencement
Trip curtailment due to COVID-19 diagnosis during the trip
Medical expenses for overseas hospitalisation incurred by COVID-19 treatment

Important Notes:

The maximum indemnity under Personal Accident and Medical Expenses Sections for an insured person who is over 65 years of age will be limited to only 25% of the sum insured.
The maximum indemnity under Personal Accident Section for an insured person who is under 18 years of age will be limited to HK$250,000.
For Family Plan, the maximum indemnity under Personal Accident Section will be limited to HK$1,500,000 and the maximum indemnity under Medical Expenses Section will be limited to HK$3,000,000 for all of the insured persons who are under 18 years of age.
The Amateur Dangerous Sports and Activities Extension under Personal Accident Section and Medical Expenses Section will not be available to those insured persons who are over 65 years of age.
No mobile phone benefit is payable for Plan B, or if Insured Person(s) is(are) below 18 years of age insured under a Family Plan.
24-hour Worldwide Travel Assistance Services are available outside the Country of Residence. Country of Residence will be regarded as Hong Kong.
The Replacement Employee Benefit is only applicable if the Insured is either an incorporated or unincorporated company.
"Loss of one limb" is defined in the Policy as loss by physical severance at or above the wrist or ankle or the total loss of use of an entire hand, arm, foot or leg.
Any acts of terrorism involve the use of biological, chemical agents or nuclear devices are excluded.
This benefit is not applicable to insured person(s) is(are) below 18 years of age and insured under a Family Plan.

Personal Accident Sum Insured	Annual Premium (HK$)
	Individual Plan	Family Plan^3,4
A - $1,000,000	$2,206	$5,514
B - $500,000	$1,902	$4,754

Important Notes:

Maximum days per trip is 90 days, each trip should be a round-trip commencing in Hong Kong.
There is no minimum age limit for this plan. Maximum age limit is 75.
Family Plan is only applicable to a legally married couple and any number of your child(ren) under 18 years of age.Child(ren) under 12 years of age must be accompanied by a parent or a guardian in the insured trip.
For Family Plan, the maximum indemnity under Personal Accident Section will be limited to HK$1,500,000 and the maximum indemnity under Medical Expenses Section will be limited to HK$3,000,000 for all of the Insured Persons who are under 18 years of age.
iTravel Plus (Annual) is only available for online purchase.

*Collection of Levy on Insurance Premium:
The Insurance Authority (IA) has announced the collection of levy on insurance premium under the “Insurance Ordinance” with effect from 1st January 2018. As a result, all premium amounts shown in this product brochure are subject to levy.

This product leaflet is for reference only. Please refer to the policy wording for details for the coverage, terms, conditions and exclusions.

Any liability arising from a contractual agreement without the prior consent of Us is not covered
Any liability arising from the loss of or damage to property which belongs to or in custody or control of You or your family members is not covered
Professional or organised dangerous sports or activities
Trekking or hiking at an altitude of over 5,000 meters above sea-level, scuba diving to a depth greater than 30 meters below sea-level
Manual work undertaken during business trips
Suicide, intentional self-inflicted injury, insanity
Mental or nervous disorders, sleep disorder, psychiatric disorder
Alcoholic and drug addiction or solvent abuse
HIV (Human Immunodeficiency Virus) and AIDS (Acquired Immune Deficiency Syndrome)
Flying activities other than as a fare-paying passenger on a regular or schedule airline or licensed chartered aircraft
Air flight crew
Unlawful acts
War and terrorism (Except for Terrorism Extended Cover)
Nuclear weapons and radiations
Loss of or damage to any pager, mobile phone (except for the benefit specifically provided under the above Benefit “Loss of Baggage”), tablet computer, portable telecommunication equipment, aerial device (i.e. aerial photography equipment) or any of its accessories including sim card or digital storage card and the like

Excess for each and every claim (HK$)
Excess for each and every claim (HK$)	Loss of Baggage	First $200 of each and every claim
Loss of Business Documents or Samples
Personal Money, Documents and Additional Accommodation Expenses

If you are a Japan enthusiast and planning to go to Japan, MSIG has a special offer for you, allowing you to enjoy your trip to the fullest.

For any tax-free purchases above 10,000yen (excluding tax) at the renowned Japanese Mega Store, Don Quijote, you can enjoy additional 5% discount. Download the coupon now to enjoy the privilege.

iTravel Plus (Annual) - Brochure

iTravel Plus (Annual) - Beneficiary form

Flyer - Exclusive privileges to elevate your travel experience

Frequently asked questions

Products you may be interested in

TravelSurance 7.0

The easy way to enjoy travel

Why choose MSIG?

Extra Benefits for Black Alert and Red Alert Under the Outbound Travel Alert System

Up to HK$50,000 and HK$25,000 respectively

Travel Delay Cover

HK$250 for each 6-hour period of delay, up to HK$2,000

Amateur Dangerous Sports and Activities Coverage

Cover at no extra cost

Loss of or damage to mobile phone⁸

Up to HK$2,000

Trip Cancellation and Curtailment Cover

Up to HK$50,000 which extends to trip cancellation and curtailment due to the death, serious bodily injury or serious sickness of your travel companion

Trip Rearrangement

Up to HK$7,500 cover for additional transport and accommodation expenses, if your return trip to Hong Kong is unavoidably re-routed, including up to HK$1,000 per day for accommodation expenses

Select plans to compare

Selected: Plan A Plan B Child Plan

Benefits at a Glance	Maximum Benefits Payable (HK$)
	Plan A	Plan B	Child Plan
Personal Accident Accidental death/permanent total disablement/loss of two limbs or sight in both eyes/permanent total loss of speech and hearing (An advance payment of HK$50,000 cash relief will be paid to your legal representative in the event of your accidental death)	$1,000,000	$500,000	$250,000
Loss of one limb⁶ or sight in one eye/permanent total loss of speech or hearing	$500,000	$250,000	$125,000
Covers 3rd degree burns of the minimum percentage of the surface area of your body as specified in the policy	$500,000	$250,000	$125,000
Double indemnity for Accidental Death while you are travelling in a private car or as a fare-paying passenger on public transport (e.g. scheduled flight, train) or in any armed robbery or attempted armed robbery	$2,000,000	$1,000,000	N/A
Medical Expenses Pays for necessary medical treatment expenses and reasonable additional transport expenses if it is necessary and unavoidable for you to stay beyond your intended return date due to sickness or bodily injury abroad Pays for follow-up medical expenses within 90 days after arrival in Hong Kong up to HK$50,000 including Chinese medicine practitioners' fees up to HK$150 per visit per day and up to HK$1,500 in total	$1,000,000	$500,000	$250,000
Hospital Cash Pay HK$500 per day when you are hospitalised as an inpatient due to bodily injury or sickness when abroad	$2,000	$1,000	$500
Terrorism Extension⁷ Extends to provide you with Worldwide Travel Assistance Services as well as cover in respect of death or bodily injury (including necessary medical expenses incurred) which may be sustained through acts of terrorism under the Personal Accident & Medical Expenses Sections	$3,000,000	$3,000,000	$3,000,000
Dangerous Sports and Activities Coverage Pays you in the event of accidental death or bodily injury while you are taking part in hot-air ballooning, scuba diving, recreational alpine skiing or snowboarding, tobogganing or sledding, water skiing, wakesurfing, wakeboarding, rafting, sailing, windsurfing, bungee jumping, horse riding, trekking or hiking, parasailing, banana boat trip, canoeing, kayaking, sea kayaking, underwater strolling, sand boarding, safari adventures, or zipline adventure activities. (This benefit is not applicable to those aged over 70)	50% of the maximum benefits under the Personal Accident ＆ Medical Expenses Sections	50% of the maximum benefits under the Personal Accident ＆ Medical Expenses Sections	50% of the maximum benefits under the Personal Accident ＆ Medical Expenses Sections
24-hour Worldwide Travel Assistance Services
24-hour worldwide emergency medical evacuation and repatriation after treatment	$2,000,000	$2,000,000	$2,000,000
Deposit guarantee for hospital admission	$40,000	$40,000	$40,000
Unexpected return to Hong Kong, compassionate visit, children escort arrangements, etc.	Covered	Covered	Covered
Trip Cancellation and Curtailment Reimburses expenses of unused travel and accommodation if your trip is cancelled or curtailed due to serious bodily injury, serious sickness or death of you, your immediate family members, fiancé(e), close business partner or travel companion; residential fire or flooding; jury services, witness summons or compulsory quarantine of you; or if you decide to cancel your trip due to adverse weather conditions, natural disaster directly resulting in suspension of public transport, strike, industrial action, riot, mechanical and/or electrical breakdown of the public transport or closure of the airport which results in delay in departure from Hong Kong for not less than 24 hours For Black Alert and Red Alert under the Outbound Travel Alert System: If the Black Alert is hoisted, pays up to 100% of the relevant loss and up to 100% of the section limit, or if the Red Alert is hoisted, pays up to 50% of the relevant loss and up to 50% the section limit Pays up to HK$300 administration charge billed by the travel agent if your trip is cancelled or curtailed. Reimburses additional transport expenses if you are forced to leave the city in which you are staying for another city in order to return to Hong Kong Pays HK$1,000 cash allowance if you must stay overnight in another city waiting for necessary transport to return to Hong Kong	$50,000	$25,000	$15,000
Travel Delay Pays HK$250 for each 6-hour period of delay if: the arrival/departure of public transport is delayed as a result of strike or industrial action, riot, hijack, adverse weather conditions, natural disaster directly resulting in suspension of public transport, mechanical and/or electrical breakdown of the public transport or closure of the airport or your trip is delayed due to serious bodily injury, serious sickness or death of you or your travel companion the original departure and arrival ports / airports of the Public Transport conveyance that you have arranged are in/from mainland China, the maximum cover is HK$500	$2,000	$1,500	$1,000
Trip Rearrangement Reimburses unused travel and accommodation (including overseas local tour package or admission tickets to any major sporting event, musical, concert, museum or theme park) you have paid or payments for which you are legally obliged to pay, or reimburses additional transport and/or accommodation expenses incurred, and which are not recoverable from any other source in reaching your planned destination, or for your return trip to Hong Kong if your trip is unavoidably re-routed due to strike or industrial action, riot, hijack, adverse weather conditions, natural disaster or closure of the airport directly resulting in suspension of public transport Pays for accommodation expenses up to HK$1,000 per day	$7,500	$5,000	$2,500
Loss of Passport Pays for additional travel and accommodation expenses which are necessary to obtain a replacement passport if your passport is lost or stolen while you are abroad	$2,000	$2,000	N/A
Loss of Baggage Pays for accidental loss of or damage to personal baggage. The maximum amount we will pay for: any single article, pair or set of articles is HK$2,000. all of your sports equipment is HK$5,000 in total. all of your valuables is HK$5,000 in total. all of your cameras, camcorders and audio/video equipment is HK$5,000 in total. any mobile phone is HK$2,000 (mobile phone cover is not applicable to Plan B and Child Plan). If the articles are not more than 1 year old at the time of an accident, you will be compensated for the new purchase value	$20,000	$15,000	$10,000
Delayed Baggage Pays for the cost of emergency purchase of essential clothing or toiletries if your baggage is delayed for more than 8 hours on the outward journey	$1,500	$1,000	$500
Personal Money and Documents Covers the loss of cash or travellers’ cheques directly arising from theft, robbery or burglary during the period of insurance Reimburses the replacement cost of Hong Kong identity card, credit cards, driving licence, travel tickets, hotel vouchers or passport	$3,000	$2,500	$2,000
Personal Liability Pays for any amount for which you become legally liable to pay as compensation for an accident occurring which causes bodily injury to any other person or damage to property	$2,500,000	$2,500,000	$2,500,000
Rental Vehicle Excess Cover Pays an excess for which you become liable to pay under the agreement with a licensed rental company for loss of or damage to the vehicle that you rent	$5,000	$5,000	N/A
Golfers' Hole-in-One Pays for the cost of hospitality if you achieve a “Hole-in-One” in any recognised golf-course	$5,000	$3,000	N/A
Automatic Extension of Cover Cover is automatically extended free of charge up to 14 days in the event of delays due to unforeseen events covered under the Travel Delay and Trip Rearrangement Sections	Covered	Covered	Covered

Important Notes:

Child Plan only applies to those aged below 18. Child aged below 12 must be accompanied by a parent or guardian.
Plan A and Plan B only apply to those aged between 18 to 85.
The maximum indemnity under Personal Accident and Medical Expenses Sections for an insured person aged above 70 will be limited to only 25%.
The double indemnity for personal accident will not be available to those insured persons covered under Child Plan or aged over 70 at the time of an accident covered under Plan A /B.
Automatically extended for a maximum of 14 days if the trip of the insured person is delayed due to unforeseen events covered under the Travel Delay, Trip Rearrangement and Loss of Passport Sections.
“Loss of one limb” is defined in the Policy as loss by physical severance at or above the wrist or ankle or the total loss of use of an entire hand, arm, foot or leg.
Any acts of terrorism involving the use of biological or chemical agents, or nuclear devices are excluded.

In the event of any discrepancy between the English and Chinese versions of any of the above details, the English version shall prevail.For details of coverage, terms, conditions, and exclusions, please refer to the policy wording.

Select plans to compare

Selected: Plan A Plan B Child Plan

Days	Premium (HK$)
	Plan A	Plan B	Child Plan
2	164	114	87
3	204	139	105
4	236	160	124
5	254	179	143
6	273	197	161
7	293	209	174
8	310	223	186
9	329	236	197
10	348	242	205
11	367	247	211
12	380	254	217
13	392	260	223
14	405	266	229
15	417	273	236
16	430	279	242
17	442	286	247
18	455	292	249
19	467	299	253
20	480	305	257
21	493	311	259
22	505	317	264
23	518	323	268
24	530	331	272
25	543	336	274
26	560	342	278
27	575	350	281
28	591	355	285
29	608	362	289
30	625	369	292
31 up to 182	HK$16 for each additional day	HK$13 for each additional day	HK$9 for each additional day

Important Notes:

Age Limit: up to 85 years of age.
Maximum Days Per Trip: 182 days.
Child Plan only applies to those aged below 18. Child aged below 12 must be accompanied by a parent or guardian.
Plan A and Plan B only apply to those aged 18 to under 85.
The maximum indemnity under Personal Accident and Medical Expenses Sections for the Insured Person aged aged above 70 will be limited to only 25% of the sum insured.
The double indemnity benefit under Personal Accident section will not be available to those Insured Persons covered under Child Plan or aged over 70 at the time of an accident covered under Plan A/B.
If you are simultaneously enjoying protection against any act of terrorism under more than one insurance policy underwritten by us, the maximum aggregate limit of indemnity of terrorism cover to which you are entitled will be subject to the terms and conditions of these policies.
Cover does not begin until the proposal form has been accepted and the premium paid, except as provided in writing by MSIG Insurance (Hong Kong) Limited.
No refund of the premium is allowed once the policy document /certificate of insurance has been issued.

Important Notes:

Any liability arising from a contractual agreement without prior consent of us is not covered
Any liability arising from the loss of or damage to property which belongs to or is in custody or control of you or your family members is not covered
Professional or organised dangerous sports or activities
Manual work undertaken during business trips
Suicide, intentional self-inflicted injury, insanity, mental or nervous disorders, sleep disorder or psychiatric disorder
Alcoholic and drug addiction or solvent abuse
HIV (Human Immunodeficiency Virus) and AIDS (Acquired Immune Deficiency Syndrome)
Flying activities other than as a fare-paying passenger on a regular or scheduled airline or licensed chartered aircraft
Air flight crew
Unlawful acts
Loss of or damage to any pager, mobile phone (except for the benefit specifically provided under the above Loss of Baggage section) , tablet computer, portable telecommunication equipment, aerial device (i.e. aerial photography equipment) or any of its accessories including sim card or digital storage card and the like
Loss of or damage to any aerial device and their accessories and spare parts including aerial photography equipment
Trekking or hiking at an altitude of over 5,000 metres above sea-level or scuba diving to a depth greater than 30 metres below sea-level
Denting and scratching
War and terrorism (Except for Terrorism Extended Cover)
Nuclear weapons and radiation

If you are a Japan enthusiast and planning to go to Japan, MSIG has a special offer for you, allowing you to enjoy your trip to the fullest.

For any tax-free purchases above 10,000yen (excluding tax) at the renowned Japanese Mega Store, Don Quijote, you can enjoy additional 5% discount. Download the coupon now to enjoy the privilege.

TravelSurance 7.0 - Brochure

TravelSurance 7.0 - Application form

Promotion flyer - Exclusive privileges to elevate your travel experience

Frequently asked questions

Please note that there are three possible scenarios:

If you choose to cancel your trip, without any signs or symptoms of illness, this would not be covered by your travel insurance.
If you are diagnosed with, or display signs or symptoms of, serious sickness before you purchase our travel insurance, this would not be covered.
However, if you are diagnosed with a serious sickness and are certified by a registered Medical Practitioner as unable to travel overseas after purchasing your travel insurance, you may make a claim under the Trip Cancellation section of your policy. Our claims team will assess your claim based on the terms and conditions of your policy.

This scenario is not normally covered by your travel insurance, however we have made special arrangements for this due to the exceptional coronavirus situation. If your trip is cancelled because you are unable to travel or because your destination country has banned flights or immigration from Hong Kong travellers or the travel agent cancels the tour, as a result of COVID-19 outbreak; you can apply for a premium refund of your single trip travel insurance. We also suggest that you check with your travel agent, airline company or hotel in case they can provide you with options for re-scheduling or refunds of your other travel expenses.

Click here to apply for your premium refund.

This scenario is not covered by your travel insurance.

Frequently asked questions

Please note that there are three possible scenarios:

If you choose to cancel your trip, without any signs or symptoms of illness, this would not be covered by your travel insurance.
If you are diagnosed with, or display signs or symptoms of, serious sickness before you purchase our travel insurance, this would not be covered.
However, if you are diagnosed with a serious sickness and are certified by a registered Medical Practitioner as unable to travel overseas after purchasing your travel insurance, you may make a claim under the Trip Cancellation section of your policy. Our claims team will assess your claim based on the terms and conditions of your policy.

Click here to apply for your premium refund.

This scenario is not covered by your travel insurance.

If you are not feeling well during your trip and are diagnosed with COVID-19, please consult a local Registered Practitioner for diagnosis and treatment as soon as possible. Please keep all medical receipts and reports. You may submit a claim under the Medical Expenses section of your policy for any medical expenses you incur whilst overseas. Our claims team will assess your claim based on the terms and conditions of your policy.

Your medical expenses incurred in Hong Kong are not covered by your Travel insurance unless they are necessary follow-up consultations resulting from medical treatment originally received overseas.If this is the case, you may submit a claim under the Medical Expenses section of your policy for your follow-up medical expenses and our claims team will assess it based on your policy terms and conditions.

If it is confirmed by a registered Medical Practitioner that you need to be hospitalised under this scenario, and you need assistance with the admission deposit, please call our 24-hour Worldwide Travel Assistance hotline (852) 3122 6899. This payment will be subject to the approval of the Medical Practitioner of our Worldwide Travel Assistance Service taking account of the terms and conditions of your policy.

If you are diagnosed with COVID-19 and need to be hospitalised for more than 5 consecutive days, we can arrange and pay for round trip flight ticket (economy class only) and hotel accommodation for one of your relatives or other designated person to assist you for a maximum period of 5 consecutive days with maximum rate at HKD1,200 per day. Food and beverage cost and room services fees are excluded. Should you need assistance, please call our 24-hour Worldwide Travel Assistance hotline (852) 3122 6899 for this arrangement.

Products you may be interested in

Annual TravelSurance 4.0

Perfect for frequent travellers

Why choose MSIG?

Extra Benefits for Black Alert and Red Alert Under the Outbound Travel Alert System

Up to HK$50,000 and HK$25,000 respectively

Travel Delay Cover

HK$250 for each 6-hour period of delay, up to HK$2,000

Amateur Dangerous Sports and Activities Coverage

Cover at no extra cost

Loss of or Damage to Mobile Phone³

Up to HK$2,000

Trip Cancellation and Curtailment Cover

Up to HK$50,000 which extends to trip cancellation and curtailment due to the death, serious bodily injury or serious sickness of your travel companion

Trip Rearrangement

Up to HK$7,500 cover for additional transport and accommodation expenses, if your return trip to Hong Kong is unavoidably re-routed, including up to HK$1,000 per day for accommodation expenses

Benefits at a Glance	Class	Maximum Benefits Payable (HK$)
		Gold Plan	Silver Plan
Personal Accident Pays 100% of the sum insured in the event of accidental death/permanent total disablement/loss of two limbs or sight of both eyes/permanent total loss of speech and hearing (An advance payment of HK$50,000 cash relief will be paid to your legal representative in the event of your accidental death)	A B C D E F	$500,000 $1,000,000 $2,000,000 $3,000,000 $4,000,000 $5,000,000	$500,000 $1,000,000 $2,000,000 $3,000,000 $4,000,000 $5,000,000
Pays 50% of the sum insured in the event of loss of one limb² or sight of one eye/permanent total loss of speech or hearing	A B C D E F	$250,000 $500,000 $1,000,000 $1,500,000 $2,000,000 $2,500,000	$250,000 $500,000 $1,000,000 $1,500,000 $2,000,000 $2,500,000
Covers third degree burns of the minimum percentage of the surface area of your body as specified in the policy.	A - F	$250,000	$250,000
Medical Expenses Pays for necessary medical treatment expenses and reasonable additional transport expenses if it is necessary and unavoidable for you to stay beyond your intended return date to sickness or bodily injury abroad. Pays for follow-up medical expenses within 90 days after arrival in Hong Kong up to HK$100,000 including Chinese medicine practitioners’ fees up to HK$150 per visit per day and up to HK$1,500 in total.	A - F	$1,000,000	$1,000,000
Hospital Cash Pays HK$500 per day up to HK$5,000 in total when you are hospitalised as an inpatient due to bodily injury or sickness when abroad	A - F	$5,000	$5,000
Terrorism Extension Extends to provide you with Worldwide Travel Assistance Services as well as cover in respect of death or bodily injury (including necessary medical expenses incurred) which may be sustained through acts of terrorism under the Personal Accident & Medical Expenses Sections. (Any acts of terrorism involving the use of biological, chemical agents or nuclear devices are excluded)	A - F	$3,000,000	$3,000,000
Dangerous Sports and Activities Coverage Pays you in the event of accidental death or bodily injury while you are taking part in hot-air ballooning, scuba diving, recreational alpine skiing or snowboarding, tobogganing or sledding, water skiing, wakesurfing, wakeboarding, rafting, sailing, windsurfing, bungee jumping, horse riding, trekking or hiking, parasailing, banana boat trip, canoeing, kayaking, sea kayaking, underwater strolling, sand boarding, safari adventures, or zipline adventure activities. (This benefit is not applicable to those aged over 65)	A - F	50% of the maximum benefits under the Personal Accident & Medical Expenses Sections	50% of the maximum benefits under the Personal Accident & Medical Expenses Sections
24-hour Worldwide Travel Assistance Services
24-hour worldwide emergency medical evacuation and repatriation after treatment	A - F	$2,000,000	$2,000,000
Deposit guarantee for hospital admission	A - F	$40,000	$40,000
Unexpected return to Hong Kong, compassionate visit, children escort arrangements, etc.	A - F	Covered	Covered
Trip Cancellation and Curtailment Reimburses expenses of unused travel and accommodation if your trip is cancelled or curtailed due to serious bodily injury, serious sickness or death of you, your immediate family members, fiancé(e), close business partner or travel companion; residential fire or flooding; jury services, witness summons or compulsory quarantine of you, or if you decide to cancel your trip due to adverse weather conditions, natural disaster directly resulting in suspension of public transport, strike, industrial action, riot, mechanical and/or electrical breakdown of the public transport or closure of the airport which results in delay in departure from Hong Kong for not less than 24 hours For Black Alert and Red Alert under the Outbound Travel Alert System: If the Black Alert is hoisted, pays up to 100% of the relevant loss and up to 100% of the section limit, or if the Red Alert is hoisted, pays up to 50% of the relevant loss and up to 50% the section limit Pays up to HK$300 administration charge billed by the travel agent if your trip is cancelled or curtailed. Reimburses additional transport expenses if you are forced to leave the city in which you are staying for another city in order to return to Hong Kong Pays HK$1,000 cash allowance if you must stay overnight in another city waiting for necessary transport to return to Hong Kong	A - F	$50,000	N/A
Replacement Employee Reimburses transport costs of sending an employee overseas to replace the insured person who needs to be repatriated to Hong Kong due to bodily injury or sickness. The maximum amount payable will not exceed an economy class air ticket. (This is only applicable if the insured is either an incorporate or unincorporate company)	A - F	$20,000	N/A
Travel Delay Pays HK$250 for each 6-hour period of delay if: the arrival/departure of public transport is delayed as a result of strike or industrial action, riot, hijack, adverse weather conditions, natural disaster directly resulting in suspension of public transport, mechanical and/or electrical breakdown of the public transport, closure of the airport or your trip is delayed due to serious bodily injury, serious sickness or death of you or your travel companion the original departure and arrival ports/ airports of the Public Transport conveyance that you have arranged are in/from mainland China, the maximum cover is HK$500	A - F	$2,000	N/A
Trip Rearrangement Reimburses unused travel and accommodation (including overseas local tour package or admission tickets to any major sporting event, musical, concert, museum or theme park) you have paid or payments for which you are legally obliged to pay, or reimburses additional transport and/or accommodation expenses incurred, and which are not recoverable from any other source in reaching your planned destination, or for your return trip to Hong Kong if your trip is unavoidably re-routed due to strike or industrial action, riot, hijack, adverse weather conditions or natural disaster directly resulting in suspension of public transport or closure of the airport Pays for accommodation expenses up to HK$1,000 per day	A - F	$7,500	N/A
Loss of Passport	A - F	$2,000	N/A
Delay Due to Hijack Pays HK$500 for each day that you are prevented from reaching your scheduled destination through hijack of the aircraft in which you are travelling	A - F	$2,500	N/A
Loss of Baggage Pays for accidental loss of or damage to personal baggage. The maximum amount we will pay for: any single article, pair or set of articles is HK$3,000 all of your sports equipment is HK$5,000 in total all of your valuables is HK$5,000 in total all of your cameras, camcorders and audio / video equipment is HK$5,000 in total any mobile phone is HK$2,000 (mobile phone cover is not applicable to Sliver Plan and the Insured Person(s) is(are) below 18 years of age) If the articles are not more than 1 year old at the time of an accident, you will be compensated for the new purchase value	A - F	$25,000	N/A
Delayed Baggage Pays for the cost of emergency purchase of essential clothing or toiletries if your baggage is delayed for more than 8 hours on the outward journey	A - F	$1,500	N/A
Loss of Documents or Samples Reimburses the cost of replacing business records, documents or samples which have been lost or damaged. (The maximum cover for any one article is HK$1,000)	A - F	$2,500	N/A
Loss of Personal Money Covers the loss of cash or travellers' cheques directly arising from theft, robbery or burglary during the journey Reimburses the replacement cost of Hong Kong identity card, credit card, driving licence, travel tickets, hotel vouchers or passport Covers the loss of travellers’ cheques and foreign currency purchased in respect of the journey for up to 72 hours before the planned departure time in Hong Kong due to theft or burglary	A - F	$3,000	N/A
Personal Liability Pays for any amount for which you become legally liable to pay as compensation for an accident occurring which causes bodily injury to any other person or damage to property	A - F	$2,500,000	N/A
Rental Vehicle Excess Cover Pays an excess for which you become liable to pay under the agreement with a licensed rental company for loss of or damage to the vehicle that you rent	A - F	$5,000	N/A
Automatic Extension of Cover Cover is automatically extended free of charge up to 14 days in the event of delays due to unforeseen events covered under the Trip Delay Section (Travel Delay, Trip Rearrangement, Delay Due to Loss of Passport, Delay Due to Hijack) Cover is automatically extended free of charge up to 30 days in the event of delays due to bodily injury/ sickness covered under the Medical Expenses Section	A - F	Covered	Covered

Important Notes:

Gold Plan covers all Sections. Silver Plan covers Personal Accident and Medical Expenses only. An additional premium of HK$170 will be charged for each additional section. All “Additional Benefits” are applicable to Gold and Silver Plans.
“Loss of one limb” is defined in the Policy as loss by physical severance at or above the wrist or ankle or the total loss of use of an entire hand, arm, foot or leg.

Individual Plan	Annual Premium (HK$)
Class (Personal Accident Sum Insured)	Gold Plan Full Cover	Silver Plan Basic Cover - Personal Accident and Medical Expenses Sections only
A - 500,000	$1,620	$1,150
B - 1,000,000	$1,905	$1,480
C* - 2,000,000	$2,475	$1,810
D* - 3,000,000	$3,045	$2,200
E* - 4,000,000	$3,615	$2,700
F* - 5,000,000	$4,185	$3,260

*Class C, D, E & F are not applicable to those insured persons above 65 years of age

Family Plan**	Annual Premium (HK$)
2 Adults (Parents) & Children Class A - 500,000 Class B - 1,000,000	$4,040 $4,755	N/A N/A
1 Adult (Father/Mother) & Children Class A - 500,000 Class B - 1,000,000	$2,420 $2,850	N/A N/A

Family Plan**

Annual Premium (HK$)

Family groupings /
Class (Personal Accident Sum Insured)

Gold Plan Full Cover

Silver Plan Basic Cover -
Personal Accident and Medical Expenses Sections only

2 Adults (Parents) & Children

Class A - 500,000

Class B - 1,000,000

$4,040

$4,755

N/A

1 Adult (Father/Mother) & Children

Class A - 500,000

Class B - 1,000,000

$2,420

$2,850

N/A

**Family Plans are only applicable to the Full Cover of Gold Plan

Important Notes

Age Limit : Up to 75 years of age.
The maximum period of each journey is 90 days. Number of trips per year is unlimited.
The children benefits of family plan apply only to any insured persons aged under 18. Child aged below 12 must be accompanied by a parent or guardian.
Each trip should be a round-trip commencing from Hong Kong.
For insured persons aged below 18, the maximum indemnity will be limited to HK$150,000 per person under Section 1 (Personal Accident). For all insured persons aged below 18, the total maximum indemnity will be limited to HK$450,000 under Section 1 (Personal Accident) and HK$450,000 under Section 2 (Medical Expenses)and the maximum indemnity will be limited to HK$2,5000,000 per person under section 6 (Personal Liability).
For insured persons aged above 65, Section 1 (Personal Accident) and Section 2 (Medical Expenses) benefits are limited to 25% of maximum Sum Insured, and No Amateur Dangerous Sports and Activities Extension shall apply.
If you are simultaneously enjoying protection against any act of terrorism under more than one insurance policy underwritten by us, the maximum aggregate limit of indemnity of terrorism cover to which you are entitled will be subject to the terms and conditions of these policies.
Cover does not begin until the proposal form has been accepted and premium paid, except as provided in writing by MSIG Insurance (Hong Kong) Limited.
We shall not be liable for any claims arising from manual work undertaken during your trips.

N.B.: This is only a summary of the coverage. For details of terms, conditions and exclusions, please refer to the policy wording. A copy will be provided upon request.

^Important Note: Collection of Levy on Insurance Premium - The Insurance Authority (IA) has announced the collection of levy on insurance premium under the “Insurance Ordinance” with effect from 1st January 2018. As a result, all premium amounts shown in this product proposal form are subject to levy.
In the event of any discrepancy between the English and Chinese versions of any of the above details, the English version shall prevail. For details of coverage, terms, conditions, and exclusions, please refer to the policy wording.

Any liability arising from a contractual agreement without prior consent of us is not covered
Any liability arising from the loss of or damage to property which belongs to or is in custody or control of you or your family members is not covered
Professional or organised dangerous sports or activities
Manual work undertaken during business trips
Suicide, intentional self-inflicted injury, insanity, mental or nervous disorders, sleep disorder or psychiatric disorder
Alcoholic and drug addiction or solvent abuse
HIV (Human Immunodeficiency Virus) and AIDS (Acquired Immune Deficiency Syndrome)
Flying activities other than as a fare-paying passenger on a regular or scheduled airline or licensed chartered aircraft
Air flight crew
Unlawful acts
Loss of or damage to any pager, mobile phone (except for the benefit specifically provided under the above Loss of Baggage section) , tablet computer, portable telecommunication equipment, aerial device (i.e. aerial photography equipment) or any of its accessories including sim card or digital storage card and the like
Loss of or damage to any aerial device and their accessories and spare parts including aerial photography equipment
Trekking or hiking at an altitude of over 5,000 metres above sea-level or scuba diving to a depth greater than 30 metres below sea-level
Denting and scratching
War and terrorism (Except for Terrorism Extended Cover)
Nuclear weapons and radiation

If you are a Japan enthusiast and planning to go to Japan, MSIG has a special offer for you, allowing you to enjoy your trip to the fullest.

For any tax-free purchases above 10,000yen (excluding tax) at the renowned Japanese Mega Store, Don Quijote, you can enjoy additional 5% discount. Download the coupon now to enjoy the privilege.

Annual TravelSurance 4.0 - Brochure

Annual TravelSurance 4.0 - Application form

Promotion flyer - Exclusive privileges to elevate your travel experience

Frequently asked questions

Please note that there are three possible scenarios:

If you choose to cancel your trip, without any signs or symptoms of illness, this would not be covered by your travel insurance.
If you are diagnosed with, or display signs or symptoms of, serious sickness before you purchase our travel insurance, this would not be covered.
However, if you are diagnosed with a serious sickness and are certified by a registered Medical Practitioner as unable to travel overseas after purchasing your travel insurance, you may make a claim under the Trip Cancellation section of your policy. Our claims team will assess your claim based on the terms and conditions of your policy.

Click here to apply for your premium refund.

This scenario is not covered by your travel insurance.

Frequently asked questions

Please note that there are three possible scenarios:

If you choose to cancel your trip, without any signs or symptoms of illness, this would not be covered by your travel insurance.
If you are diagnosed with, or display signs or symptoms of, serious sickness before you purchase our travel insurance, this would not be covered.
However, if you are diagnosed with a serious sickness and are certified by a registered Medical Practitioner as unable to travel overseas after purchasing your travel insurance, you may make a claim under the Trip Cancellation section of your policy. Our claims team will assess your claim based on the terms and conditions of your policy.

Click here to apply for your premium refund.

This scenario is not covered by your travel insurance.

Products you may be interested in

Travel insurance* coverage in relation to COVID-19

*This FAQ information is for reference only and applicable to iTravel Plus (Single Trip), iTravel Plus (Annual), TravelSurance 7.0 and Annual TravelSurance 4.0. For details of coverage, terms, conditions, and exclusion, please refer to the policy wording.

All of our Travel Insurance plans provide COVID-19 cover as follows.

a) Trip cancellation or delay due to COVID-19 diagnosis prior to trip commencement
b) Trip curtailment due to COVID-19 diagnosis during the trip
c) Medical expenses for overseas hospitalisation incurred by COVID-19 treatment

In addition, iTravel Plus (Single Trip) and iTravel Plus (Annual) provide HK$500 daily cash benefit (up to 10 days) if the insured person is compulsory quarantined or hospitalised overseas as a result of being diagnosed with COVID-19.

Get the latest on COVID-19 and other important Government information here.

Click here to apply for your premium refund.

Remember to wash your hands with soap and water regularly and to stay safe and healthy.

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Travel insurance* coverage in relation to COVID-19

iTravel Plus (Single Trip)

Why choose MSIG?

Extra Benefits for Black Alert and Red Alert Under the Outbound Travel Alert System

Loss of or Damage to Mobile Phone5

Amateur Dangerous Sports and Activities Coverage6

Trip Cancellation and Curtailment

Trip Rearrangement

Terrorism Extension10

3 exclusive travel privileges to elevate your travel experience

Privilege 1 - MSIG Easy Lounge

Privilege 2 - Overseas medical teleconsultation

Privilege 3 - Door-to-door luggage repair service

Benefits

Select plans to compare

Personal Accident1,2,3

Medical Expenses1,3

Terrorism Extension10

Amateur Dangerous Sports and Activities Coverage6

24-hour Worldwide Travel Assistance Services8

Trip Cancellation and Curtailment

Travel Delay

Trip Rearrangement

Loss of Baggage

Delayed Baggage

Personal Money, Documents and Additional Accommodation Expenses

Personal Liability

Rental Vehicle Excess

Golfers' Hole-in-One7

Automatic Extension of Cover (Applicable to Travel Delay and Trip Rearrangement)

Extra Sports Equipment Benefits (Applicable to Loss of Baggage and Delayed Baggage)

Upgraded Rental Vehicle Excess (Applicable to Rental Vehicle Excess)

Pet Accommodation Protection

Travel Insurance coverage in relation to COVID-19#

Important Notes:

Premium

Extra Sports Equipment Benefits

Upgraded Rental Vehicle Excess

Pet Accommodation Benefit

Important Notes:

Exclusions

Excess

Merchant offer

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Frequently asked questions

My planned period of travel is within the insured timeframe of my iTravel Plus Policy. In the middle of my trip, I wish to extend my travel plan. Will my iTravel Plus Policy automatically extend the period of insurance?

I fell sick while I was travelling but I did not consult a doctor. I only did so when I returned to Hong Kong. Am I covered?

I planned to fly back from New York to Hong Kong but my flight got delayed for ten hours. The airline explained that the delay was due to "air traffic control." Can I claim for the delay?

Frequently asked questions

My planned period of travel is within the insured timeframe of my iTravel Plus Policy. In the middle of my trip, I wish to extend my travel plan. Will my iTravel Plus Policy automatically extend the period of insurance?

I fell sick while I was travelling but I did not consult a doctor. I only did so when I returned to Hong Kong. Am I covered?

I planned to fly back from New York to Hong Kong but my flight got delayed for ten hours. The airline explained that the delay was due to "air traffic control." Can I claim for the delay?

I know that riots are taking place in my travel destination but I have to go as planned. Will that affect the coverage of my iTravel Plus Policy?

I had planned to travel to Taipei this weekend, but a typhoon just hit the island today. I want to cancel my trip. Am I covered?

Taipei has been hit by an earthquake today. Although I plan to go there in one month, I want to cancel my trip now. Can I claim the travel expenses I have already paid for?

When I returned to Hong Kong from a trip, my baggage was delayed. Am I covered under my iTravel Plus Policy?

What should my policy inception date be for a flight schedule starting at midnight?

Will I be covered if I am injured by a terrorist attack while travelling?

In case of emergency, who should I contact for assistance?

I have an iTravel Plus (Annual) insurance policy. Does it cover all my journeys made during the year?

I lost my camera during the trip. I wanted to keep taking pictures so I bought a new camera overseas. Can I make a claim for that under my travel insurance?

How can I save money on travel insurance?

If I am unable to cross an international border due to an expired passport, resulting in the cancellation of my trip? Am I covered?

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Loss of or Damage to Mobile Phone⁵

Amateur Dangerous Sports and Activities Coverage⁶

Terrorism Extension¹⁰

Personal Accident^1,2,3

Medical Expenses^1,3

Terrorism Extension¹⁰

Amateur Dangerous Sports and Activities Coverage⁶

24-hour Worldwide Travel Assistance Services⁸

Golfers' Hole-in-One⁷

Travel Insurance coverage in relation to COVID-19^#

Loss of or Damage to Mobile Phone⁵

Amateur Dangerous Sports and Activities⁴

Terrorism Extension⁹

Personal Accident^1,2,3

Medical Expenses^1,3

Terrorism Extension⁹

Amateur Dangerous Sports and Activities Coverage⁴

24-hour Worldwide Travel Assistance Services⁶

Replacement Employee⁷

Travel Insurance coverage in relation to COVID-19^#