iTravel Go (Annual)
Exciting offers
Apply iTravel Go (Annual) with promo code "MSIG15" to enjoy 35% off and Trip.com HK$200 E-Gift card
Why choose MSIG?
Medical expenses
Up to HK$2,000,000 for medical expenses incur overseas and follow-up treatment after returning to Hong Kong for 90 days
Personal accident
Up to HK$1,000,000, double indemnity for accidental death up to HK$2,000,000 and credit card protection up to HK$50,000
Trip protection
Covers trip postponement, replacement of travellers, insolvency of registered travel operators, and cancellation for any reason
Flight delay and trip rearrangement
HK$300 for every 5-hour flight delay and up to HK$13,000 for trip rearrangement. Coverage for flight diversions, overbooked flights, and missed connection is provided
Amateur dangerous sports and activities
Includes marathon running, skiing, scuba diving, etc, with coverage of up to HK$250,000 for both personal accident and medical expenses
Loss of or damage to mobile phone
Up to HK$3,000 for mobile phone and up to HK$6,000 for laptop/tablet
3 exclusive travel privileges to elevate your travel experience
Privilege 1 - MSIG Easy Lounge
At over 1,700 airports worldwide, if your flight is delayed for 60 minutes or more, you and up to 5 travel companions can access designated airport lounges for free, regardless of the reasons. Enjoy complimentary food and beverages, Wi-Fi services, and charging facilities.
Privilege 2 - Overseas medical teleconsultation
If you unfortunately fall ill while traveling, you can use the DrGo App to schedule a free overseas medical teleconsultation via a third -party platform. In addition to designated local registered doctors at your destination, you can also book a Hong Kong doctor for a second medical opinion, ensuring you receive the necessary medical support.
This service is only available in Japan, Singapore, Thailand, Vietnam, and the Philippines, subject to relevant terms and conditions.
Privilege 3 - Door-to-door luggage repair service
If your luggage is unfortunately damaged during your trip, you can contact MSIG luggage repair specialist at +852 2410 8022 or WhatsApp at +852 6645 0349 after returning to Hong Kong. The repair company will pick up your luggage for repair and deliver it back to your home once the repair is completed. This service is completely free of charge, eliminating the inconvenience of transporting the luggage yourself, making it convenient and efficient.
Select plans to compare
| Benefits at a Glance | Maximum Benefits Payable (HK$) | ||
|---|---|---|---|
Plan A (Worldwide) | Plan B (Worldwide) | Plan C (Worldwide) | |
Section 1 - Personal Accident1,2 | |||
| Accidental death/permanent disablement | 1,000,000 | 500,000 | 250,000 |
| Extra benefits | |||
| 1. Amateur dangerous sports and activities3 | 250,000 | 125,000 | Not applicable |
| 2. Double indemnity for personal accident4 | 2,000,000 | 1,000,000 | Not applicable |
| 3. Major burns | 1,000,000 | 500,000 | 250,000 |
| 4. Funeral expenses due to accidental death | 50,000 | 25,000 | Not applicable |
| 5. Child education grant | 40,000 | 20,000 | Not applicable |
| 6. Family assistance benefit5 | 10,000 | 5,000 | Not applicable |
| 7. Credit card protection6 | 50,000 | 30,000 | 10,000 |
Section 2 - Medical expenses1,2 | 2,000,000 | 1,000,000 | 500,000 |
| 1. Follow-up medical treatment after returning to Hong Kong | |||
| 2,000,000 | 1,000,000 | 500,000 |
| 200,000 | 100,000 | 50,000 |
| 90 | 90 | 90 |
| 4,000 | 3,000 | 3,000 |
| 200 | 200 | 200 |
| 2. Hospital cash and quarantine allowance7 | 12,000 | 5,000 | 3,000 |
| 12,000 | 5,000 | 3,000 |
| 500 | 500 | 300 |
| 5,000 | 5,000 | 3,000 |
| 500 | 500 | 300 |
| 5,000 | 2,500 | 1,500 |
| 500 | 500 | 300 |
| 3. Trauma counselling expenses | 20,000 | 10,000 | 5,000 |
| 2,000 | 1,000 | 800 |
| 4. Mobility aid reimbursement | 20,000 | 5,000 | Not applicable |
| 5. Maternity medical expenses overseas | 15,000 | 7,500 | Not applicable |
| Extra benefits | |||
| 250,000 | 125,000 |
Not applicable |
| 30 | 30 | |
Section 3 - Trip cancellation and curtailment9 | 50,000 | 25,000 | 3,500 |
| 1. Trip cancellation10 | 50,000 | 25,000 | 3,500 |
| 2. Trip curtailment | 50,000 | 25,000 | 3,500 |
| 3. Trip postponement10 | 7,500 | 3,750 | Not applicable |
| 4. Replacement of traveller10 | 5,000 | 2,500 | Not applicable |
| 5. Replacement of employee 10,11 | 5,000 | 2,500 | Not applicable |
| 6. Insolvency of licensed travel operator10 | 10,000 | 5,000 | Not applicable |
| 7. Cancellation of journey for any reason12 | 25,000 | Not applicable | Not applicable |
| Extra benefits | |||
| 1. Outbound Travel Alert13 | |||
| |||
| 50,000 | 25,000 | 3,500 |
| 25,000 | 12,250 | 1,750 |
| 12,500 | 6,250 | 875 |
| 300 | 300 | 300 |
| Included | Included | Included |
| 1,000 | 1,000 | 1,000 |
Section 4 - Travel delay and trip rearrangement9 | |||
| 1. Travel delay14 | 3,000 | 2,000 | 500 |
| 300 | 250 | 250 |
| 500 | 500 | 500 |
| 2. Trip rearrangement14 | 13,000 | 5,000 | 1,500 |
| |||
| 1,500 | 1,000 | 1,000 |
| 3. Flight diversion14 | 3,000 | 2,000 | 500 |
| 300 | 250 | 250 |
| 4. Overbooked flight14 | 1,200 |
Not applicable |
Not applicable |
| 300 | ||
| 5. Missed travel connection14 | 3,000 | 2,000 | 500 |
| 300 | 250 | 250 |
6. MSIG Easy Lounge service15
|
Included |
Included |
Included |
| 7. Hijack | 2,500 | 2,500 |
Not applicable |
| 500 | 500 | |
| Extra benefits | |||
| |||
| 14 | 14 | 14 |
Section 5 - Baggage and personal money | |||
| 1. Baggage and personal effects | 20,000 | 15,000 | 5,000 |
| 5,000 | 3,000 | 3,000 |
| 3,000 | 1,000 |
Not applicable |
| 1 | 1 | |
| 6,000 | 2,000 |
Not applicable |
| 1 | 1 | |
| 2. Delayed baggage for more than 6 hours | 1,000 | 500 | 250 |
| 3. Loss of business documents or samples | 2,500 | 2,500 | 2,500 |
| 1,000 | 1,000 | 1,000 |
| 4. Personal money, documents and additional accommodation expenses | 30,000 | 10,000 | 1,000 |
| 3,000 | 2,000 | 300 |
| 2,000 | 1,000 | 500 |
| 5. Unauthorised use of credit cards | 3,000 | 2,000 | Not applicable |
Section 6 - Personal liability | |||
| 1. Personal liability | 2,500,000 | 2,500,000 | 2,500,000 |
Section 7 – Rental vehicle | |||
| 1. Rental vehicle excess | 10,000 | 5,000 | 2,000 |
| 2. Returning a rental vehicle | 2,500 | 1,500 | 1,000 |
Section 8 – Golfer’s hole-in-one17 | |||
| 1. Golfer’s hole-in-one | 5,000 | 3,000 | Not applicable |
Section 9 – Home contents | |||
| 1. Loss of/damage to home contents due to burglary | 30,000 | 10,000 | Not applicable |
Section 10 – Kidnap and hostage | |||
| 1. Kidnap and hostage | 15,000 | 10,000 |
Not applicable |
| 500 | 500 | |
Section 11 – Terrorism extension | |||
| 1. Terrorism extension | Included | Included | Included |
The maximum indemnity under Personal Accident and Medical Expenses sections for the Insured Person aged above 65 will be limited to only 50% of the sum insured.
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.
We will cover death or permanent disablement arising out of bodily injury and the necessary medical expenses incurred if you suffer from bodily injury or sickness whilst you are taking part in the capacity of an amateur in hot-air ballooning, scuba diving to a depth not greater than 30 meters below sea-level, recreational alpine skiing or snowboarding, tobogganing or sledding, marathon, water skiing, wakesurfing, wakeboarding, rafting, sailing, windsurfing, bungee jumping,horse riding, trekking or hiking at an altitude of below 5,000 meters above sea-level, parasailing, banana boat trip, canoeing, kayaking, sea kayaking, underwater strolling, sand boarding, safari adventures, or zipline adventure activities.
The Double Indemnity benefit only applicable to Insured Persons who are aged between 18 and 65 at the time of an accident.
For family plan, the maximum amount we will pay under Family Assistance Benefit is HK$20,000 for Plan A and HK$10,000 for Plan B.
No benefit will be payable if the Insured Persons who are below 18 years of age
You can only claim one of these benefits under Section 2 – Hospital cash and quarantine allowance in respect of any losses arising from the same cause.
Only applicable to Insured Persons who are aged below 65 for bodily Injury or sickness.
You can only claim under either Section 3 or Section 4 in respect of any losses arising from the same cause.
You can only claim under Section 3.1 – Travel Cancellation, Section 3.3 – Travel Postponement, Section 3.4 – Replacement of Traveller, Section 3.5 – Replacement of Employee or Section 3.6 – Insolvency of Licensed Travel Operator results from the same event, we will pay for the claim under one of the sections only.
Only applicable to policyholder who is an incorporated or unincorporated company
Your policy must be purchased before or within 7 days from the date you made your initial payment or deposit for your Trip. Otherwise, no claims under this Section will be accepted.
You can only claim either Black Alert, Red Alert or Amber Alert, in respect of any losses arising from the same cause.
You can only claim under either Section 4.1 – Travel Delay, Section 4.2 - Trip Rearrangement, Section 4.3 - Flight diversion, Section 4.4 – Overbooked Flight or Section 4.5 – Missed travel connection, but not more than one, in respect of any losses arising from the same cause.
You will become eligible for the MSIG Easy Lounge service once you register your flight at least 24 hours before the scheduled departure.
For family plan, this benefit is not applicable to the Insured Person(s) is(are) below 18 years of age.
Not applicable to the Insured Persons who are below 18 years of age.
In the event of any discrepancy between the English and Chinese versions of any of the above details, the English version shall prevail. For details of coverage, terms, conditions, and exclusions, please refer to the policy wording.
Annual Premium (HK$) | ||
|---|---|---|
Plan | Individual | Family |
| Worldwide | Worldwide | |
A | 2,426 | 6,605 |
B | 2,092 | 5,231 |
C | 1,151 | 2,877 |
Important notes
Age Limit: Up to 75 years of age.
Family Plan cover is only applicable to a legally married couple, and the children benefits of family plan are only applicable to any insured persons aged under 18. Child aged below 12 must be accompanied by at least one adult.
The maximum period of each journey is 90 days. Number of trips per year is unlimited.
Each trip should be a round-trip commencing from Hong Kong.
We shall not be liable for any claims arising from manual work undertaken during your trips.
Any acts of terrorism involve the use of biological, chemical agents or nuclear devices are excluded.
The premium amounts are subject to levy which is collected by the Insurance Authority ("IA"). 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 factsheet 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.
- iTravel Go (Annual) is only available for online purchase.
- This product page is for reference only. Please refer to the policy wording for details of 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
- Any organized sports, any kind of race, motor rallies and competition, mountaineering or rock-climbing (necessitating the use of ropes or pitons), iceberg climbing, potholing, speed or endurance tests, any tour with bicycle riding as the main transportation during the insured journey, parachuting, skydiving, hang-gliding, 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, water motorcycling/ jet-skiing, jet-boating, speed-boating, dune driving, snow motorcycling, ski-jumping, ice hockey, the use of bob-sleighs or skeletons, the use of firearms, or other hazardous pursuits or occupations.
- 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
| Item(s) | Excess for each and every claim (HK$) | ||
|---|---|---|---|
Plan A | Plan B | Plan C | |
Extra benefit for the Outbound Travel Alert
|
50% |
50% |
50% |
Cancellation of journey for any reason | 50% | Not applicable | Not applicable |
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 Go 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 Go 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 can enjoy complimentary access to designated airport lounges if you have registered your flight at least 24 hours before the scheduled departure. You will be compensated up to HK$300 for every 5 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.
