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iTravel Plus
iTravel Plus (Single Trip)
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$3,000,000 per person for accidental death/permanent total disablement, bodily injury, medical expenses and worldwide travel assistance services
3 exclusive travel privileges to elevate your travel experience
Privilege 1 - MSIG Easy Lounge
At over 1,600 airports worldwide, if your flight is delayed for 60 minutes or more, you and up to 5 travel companions can access designated airport lounges for free, regardless of the reasons. Enjoy complimentary food and beverages, Wi-Fi services, and charging facilities.
Privilege 2 - Overseas medical teleconsultation
If you unfortunately fall ill while traveling, you can use the DrGo App to schedule a free overseas medical teleconsultation via a third -party platform. In addition to designated local registered doctors at your destination, you can also book a Hong Kong doctor for a second medical opinion, ensuring you receive the necessary medical support.
This service is only available in Japan, Singapore, Thailand, Vietnam, and the Philippines, subject to relevant terms and conditions.
Privilege 3 - Door-to-door luggage repair service
If your luggage is unfortunately damaged during your trip, you can contact MSIG luggage repair specialist at +852 2410 8022 or WhatsApp at +852 6645 0349 after returning to Hong Kong. The repair company will pick up your luggage for repair and deliver it back to your home once the repair is completed. This service is completely free of charge, eliminating the inconvenience of transporting the luggage yourself, making it convenient and efficient.
Select plans to compare
| Benefits at a Glance | Maximum Benefits Payable (HK$) | ||
|---|---|---|---|
Plan A (Worldwide) | Plan B (Worldwide) | Plan C11 (Asia) | |
Personal Accident1,2,3Accidental 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 3rd 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 Expenses1,3Pays 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 Extension10Extends 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
| Up to $250,000 maximium | Up to $125,000 maximium | Not applicable |
24-hour Worldwide Travel Assistance Services8
| $2,000,000 | $2,000,000 | $2,000,000 |
| $40,000 | $40,000 | $40,000 |
| Covered | Covered | Covered |
Trip Cancellation and CurtailmentReimburses 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: -
| $50,000 | $25,000 | $3,500 |
Travel DelayPays HK$250 for each 6-hour period of delay and each subsequent period of 12 hours if:
| $2,000 | $1,000 | $500 |
Trip Rearrangement
| $7,500 | $5,000 | $1,500 |
Loss of Baggage
| $20,000 | $15,000 | $5,000 |
Delayed Baggage
| $1,500 | $1,000 | $500 |
Personal Money, Documents and Additional Accommodation Expenses
| $10,000 | $5,000 | $600 |
Personal Liability
| $2,500,000 | $2,500,000 | $250,000 |
Rental Vehicle Excess
| $5,000 | $5,000 | $2,000 |
Golfers' Hole-in-One7
| $5,000 | $3,000 | Not applicable |
Automatic Extension of Cover (Applicable to Travel Delay and Trip Rearrangement)
| Up to 14 days | Up to 14 days | Up to 14 days |
| Optional Benefits (Applicable to Plan A and Plan B) (for 2-10 days single trip travel plan and only applicable if it is shown as being operative in the schedule) | Maximum Benefits Payable (HK$) | ||
|---|---|---|---|
Plan A (Worldwide) | Plan B (Worldwide) | Plan C11 (Asia) | |
Extra Sports Equipment Benefits (Applicable to Loss of Baggage and Delayed Baggage)
| Extra $5,000 | N/A | |
| $1,000 | N/A | |
Upgraded Rental Vehicle Excess (Applicable to Rental Vehicle Excess)
| Extra $5,000 | N/A | |
Pet Accommodation ProtectionCovers 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:
| $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 |
|
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.
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)
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
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 Extension9
Up to HK$3,000,000 per person for accidental death/permanent total disablement, bodily injury, medical expenses and worldwide travel assistance services
3 exclusive travel privileges to elevate your travel experience
Privilege 1 - MSIG Easy Lounge
At over 1,600 airports worldwide, if your flight is delayed for 60 minutes or more, you and up to 5 travel companions can access designated airport lounges for free, regardless of the reasons. Enjoy complimentary food and beverages, Wi-Fi services, and charging facilities.
Privilege 2 - Overseas medical teleconsultation
If you unfortunately fall ill while traveling, you can use the DrGo App to schedule a free overseas medical teleconsultation via a third -party platform. In addition to designated local registered doctors at your destination, you can also book a Hong Kong doctor for a second medical opinion, ensuring you receive the necessary medical support.
This service is only available in Japan, Singapore, Thailand, Vietnam, and the Philippines, subject to relevant terms and conditions.
Privilege 3 - Door-to-door luggage repair service
If your luggage is unfortunately damaged during your trip, you can contact MSIG luggage repair specialist at +852 2410 8022 or WhatsApp at +852 6645 0349 after returning to Hong Kong. The repair company will pick up your luggage for repair and deliver it back to your home once the repair is completed. This service is completely free of charge, eliminating the inconvenience of transporting the luggage yourself, making it convenient and efficient.
| Benefits at a Glance | Maximum Benefits Payable (HK$) | |
|---|---|---|
| Plan A | Plan B | |
Personal Accident1,2,3Accidental 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 Expenses1,3Pays 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 CashPays 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 Extension9Extends 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 Coverage4Pay 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
| $2,000,000 | $2,000,000 |
| $40,000 | $40,000 |
| Covered | Covered |
Trip Cancellation and CurtailmentReimburses 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:
| $50,000 | $25,000 |
Replacement Employee7Reimburses 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 DelayPays HK$250 for each 6-hour period of delay and each subsequent period of 12 hours if:
| $2,000 | $1,000 |
Trip Rearrangement
| $7,500 | $5,000 |
Delay Due to Hijack
| $2,500 | $2,500 |
Loss of BaggagePays for accidental loss of or damage to personal baggage. The maximum amount we will pay for:
| $20,000 | $15,000 |
Delayed BaggagePays 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
| $2,500 | $2,500 |
Personal Money, Documents and Additional Accommodation Expenses
| $10,000 | $5,000 |
Personal LiabilityPays 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 CoverPays 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
| 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
#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).
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$3,000,000 for all of the insured persons who are under 18 years of age.
- The Amateur Dangerous Sports and Activities Extension under Personal Accident Section and Medical Expenses Section will not be available to those insured persons who are over 65 years of age.
- No mobile phone benefit is payable for Plan B, or if Insured Person(s) is(are) below 18 years of age insured under a Family Plan.
- 24-hour Worldwide Travel Assistance Services are available outside the Country of Residence. Country of Residence will be regarded as Hong Kong.
- The Replacement Employee Benefit is only applicable if the Insured is either an incorporated or unincorporated company.
- "Loss of one limb" is defined in the Policy as loss by physical severance at or above the wrist or ankle or the total loss of use of an entire hand, arm, foot or leg.
- Any acts of terrorism involve the use of biological, chemical agents or nuclear devices are excluded.
- This benefit is not applicable to insured person(s) is(are) below 18 years of age and insured under a Family Plan.
*Collection of Levy on Insurance Premium: Insurance Authority (IA) has announced the collection of levy on insurance premium under the “Insurance Ordinance” with effect from 1st January 2018. As a result, all premium amounts shown in this webpage are subject to levy. For further information, please visit www.ia.org.hk/en/levy
In the event of any discrepancy between the English and Chinese versions of any of the above details, the English version shall prevail. For details of coverage, terms, conditions, and exclusions, please refer to the policy wording.
| Personal Accident Sum Insured | Annual Premium (HK$) | |
|---|---|---|
| Individual Plan | Family Plan3,4 | |
| 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$3,000,000 for all of the Insured Persons who are under 18 years of age.
- iTravel Plus (Annual) is only available for online purchase.
*Collection of Levy on Insurance Premium:
The Insurance Authority (IA) has announced the collection of levy on insurance premium under the “Insurance Ordinance” with effect from 1st January 2018. As a result, all premium amounts shown in this product brochure are subject to levy.
This product leaflet is for reference only. Please refer to the policy wording for details for the coverage, terms, conditions and exclusions.
- Any liability arising from a contractual agreement without the prior consent of Us is not covered
- Any liability arising from the loss of or damage to property which belongs to or in custody or control of You or your family members is not covered
- Professional or organised dangerous sports or activities
- Trekking or hiking at an altitude of over 5,000 meters above sea-level, scuba diving to a depth greater than 30 meters below sea-level
- Manual work undertaken during business trips
- Suicide, intentional self-inflicted injury, insanity
- Mental or nervous disorders, sleep disorder, psychiatric disorder
- Alcoholic and drug addiction or solvent abuse
- HIV (Human Immunodeficiency Virus) and AIDS (Acquired Immune Deficiency Syndrome)
- Flying activities other than as a fare-paying passenger on a regular or schedule airline or licensed chartered aircraft
- Air flight crew
- Unlawful acts
- War and terrorism (Except for Terrorism Extended Cover)
- Nuclear weapons and radiations
- Loss of or damage to any pager, mobile phone (except for the benefit specifically provided under the above Benefit “Loss of Baggage”), tablet computer, portable telecommunication equipment, aerial device (i.e. aerial photography equipment) or any of its accessories including sim card or digital storage card and the like
| Excess for each and every claim (HK$) | |
|---|---|
| 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.
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.
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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?
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.
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?
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.
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?
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.
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?
It depends on when you take out the travel policy. If riots are known to be occurring or are announced prior to your application for travel insurance, any loss arising from the riots will not be covered by the travel insurance as it has become a known incident which is excluded by travel insurance policy. However, any loss not arising from the riots will be covered according to the policy.
However, if the riots are known only after you have taken out travel insurance, then any loss arising from the riots will be covered as usual.
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?
Yes. Since your departure from Hong Kong was delayed by a period of not less than 24 hours because of the typhoon, and you purchased the insurance policy before the news of the typhoon was widely reported, you will be covered for any unused travel and accommodation expenses that you have already paid or must pay, if at the same time you cannot recover them from any other source.
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?
Unfortunately, you cannot claim under our policy if you make the cancellation now. Our Trip Cancellation cover will only become operative if the natural disaster has resulted in a more than 24-hour delay in your scheduled departure from Hong Kong.
When I returned to Hong Kong from a trip, my baggage was delayed. Am I covered under my iTravel Plus Policy?
No. Delayed Baggage protection is only available if your check-in baggage is delayed for your outward journey. The intention of this cover is to assist you when you are deprived of essential supplies while abroad.
What should my policy inception date be for a flight schedule starting at midnight?
You are recommended to take out travel insurance a day prior to your midnight flight in order to ensure that the journey from your home/office to the airport will also be covered.
For example, your flight is scheduled for 00:30am on 10th March. If you take out travel insurance from 10th March and, unfortunately, your car crashes during your journey to the airport at 11.30pm on 9th March, then you will not be protected by your iTravel Plus Policy, as the travel insurance policy is only effective on 10th March.
Will I be covered if I am injured by a terrorist attack while travelling?
Yes. iTravel Plus Policy covers death or bodily injury, medical expenses and emergency assistance services in case of terrorist attack while travelling. However, it should be noted that we do not cover such acts of terrorism that involve the use of biological or chemical agents, or nuclear devices.
In case of emergency, who should I contact for assistance?
You can call our 24-hour Worldwide Travel Assistance Services hotline at any time at
+852 3122 6899 for travel and medical assistance including:
- Emergency medical evacuation and repatriation after treatment
- Repatriation of mortal remains or ashes
- Deposit guarantee for hospital admission overseas
- Compassionate visits
- Children escort arrangements
- Unexpected return to Hong Kong, etc.
I have an iTravel Plus (Annual) insurance policy. Does it cover all my journeys made during the year?
The policy provides cover for an unlimited number of journeys made during the insurance period. Maximum duration of each journey should not be more than 90 days. If the journey exceeds 90 days, the whole journey will not be covered under the policy.
If your journey lasts more than 90 days, you are recommended to take out iTravel Plus (Single Trip) insurance policy which covers any journey up to 182 consecutive days.
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?
Yes. If the camera is less than one year old, we will pay the replacement cost of a similar item. If it is more than one year old, we will deduct from the replacement cost a reasonable amount of depreciation. The most important thing is that you need to report the loss at a nearby police station and obtain a "lost certificate" from the police to support your claim with MSIG.
How can I save money on travel insurance?
If you are a frequent traveller, one of the best ways is to purchase our annual travel policy. Not only is our annual travel policy more cost-effective, it also saves you the trouble of taking out a policy every time you travel.
This FAQ information is for reference only. For details of coverage, terms, conditions, and exclusions, please refer to the policy wording.
