Stay protected on your winter adventures with comprehensive travel insurance

When it comes to winter travel, Hong Kong residents spend the most in the Asia-Pacific region. According to a recent survey Hongkongers average budget for winter getaways is approximately HK$4,800 per person, reflecting residents’ strong enthusiasm for holidays in colder climes. While winter travel offers great excitement, it does come with challenges. From potential accidents during winter sports to flight delays caused by severe weather, unexpected events can disrupt your plans. Securing travel insurance before you head out helps protect you from these unforeseen issues and allows you to enjoy your journey worry-free.

Most travel insurance plans cover popular recreational winter sports, such as, snowboarding, and sledding. However, it’s important to review the policy details to ensure your planned activities are included. If you experience an accident while participating in these sports abroad, travel insurance can cover personal injury and related medical expenses.

For example, if you injure your leg on the slopes and need treatment at a local facility, your policy will likely cover the necessary medical expenses. Coverage can also include additional travel costs if your extended stay means missing your original return date. Plus, follow-up consultations back in Hong Kong, including treatments by registered Chinese medicine practitioners for your recovery, are often part of the package. Keep in mind that standard travel insurance doesn’t cover accidents during extreme sports or professional events like ski competitions.

Many insurers offer 24/7 global emergency assistance, so if something goes wrong, you can reach out for support, whether for medical evacuation or arranging for transport back home.

Winter weather can lead to delays or flight cancellations due to snowstorms or high winds, which can upend your travel plans. Earlier this year, heavy snow in Hokkaido caused significant flight delays and cancellations, leaving many travellers stranded at the airport. Having travel insurance can be a real safety net to ensure your trip goes smoothly. Most policies offer compensation based on how long your flight is delayed, and they may automatically extend coverage if the delay impacts your return date, helping you continue your journey with confidence.

If severe weather causes a delay of over 24 hours and you decide to cancel your trip, your insurance policy may reimburse non-refundable travel and accommodation expenses. This can include costs like prepaid tickets for events, concerts, sporting events or theme parks, providing comprehensive protection.

Travel insurance also offers coverage for damage to, loss of or a delay in receiving your luggage, which can be especially crucial during winter holidays. If your luggage is delayed beyond a specified time, your policy may cover the purchase of essential items like clothing or toiletries. High-value items, such as skiing equipment, is often included in the policy as well. If an accident results in damage or loss, you can be reimbursed for repair or replacement costs. Additionally, travel insurance can offer financial protection for personal belongings such as mobile phones, wallets, and other valuables if they are lost or damaged. If your passport is lost or stolen during your trip, the policy can cover the extra transportation and accommodation expenses needed to replace it.

Unpredictable weather and unexpected events can impact your travel plans. Preparing with travel insurance means you’re equipped for various situations, providing an extra layer of security and peace of mind for a truly enjoyable winter journey.

This Chinese version of this article was published in the Hong Kong Economics Journal 

If you have any queries regarding Travel Insurance Plans, please feel free to contact us or find out more about our insurance plans:

View product

Read more: Coping with earthquakes: the pivotal role of travel insurance during natural disasters

Learn more about EASY Claims and file your claims online anytime, anywhere.

EASY Claims – A simpler and faster way to claim!