iTravel Go
iTravel Go (Single Trip)
Exciting offers
Apply iTravel Go (Single Trip) with promo code "MSIG10" and enjoy 45% off
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 (Asia/Worldwide) | Plan B (Asia/Worldwide) | Plan C (Asia/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 | 500 |
| 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 |
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 | Not applicable | Not applicable |
| 5. Missed travel connection14 | 3,000 | 2,000 | 500 |
| 300 | 250 | 250 |
6. MSIG Easy Lounge service15
|
Included |
Included |
Included |
| 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 | Not applicable |
| 6,000 | 2,000 | Not applicable |
| 1 | 1 | Not applicable |
| 2. Delayed baggage for more than 6 hours | 1,000 | 500 | 250 |
| 3. Personal money, documents and additional accommodation expenses | 30,000 | 10,000 | 1,000 |
| 3,000 | 2,000 | 300 |
| 2,000 | 1,000 | 500 |
| 4. 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 70 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 70 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 70 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.
- Asia: Listed countries and areas in Asia including China, Macau, Brunei, Cambodia, Indonesia, Japan, Korea, Laos, Malaysia, Myanmar, Philippines, Singapore, Taiwan, Thailand and Vietnam.
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.
| Optional cover | Maximum Benefits Payable (HK$) | ||
|---|---|---|---|
Plan A (Asia/Worldwide) | Plan B (Asia/Worldwide) | Plan C (Asia/Worldwide) | |
Top-up sports equipment benefits | |||
| 1. Loss of or damage to personal baggage sub-limit for all sports equipment | Increased to 10,000 | Increased to 8,000 |
Not applicable |
| 2. Actual expense for rental of sports equipment due to check-in baggage delayed more than 12 hours | 1,000 | 1,000 | |
Top-up rental vehicle excess | |||
| 1. Top-up rental vehicle excess | Increased to 15,000 | Increased to 10,000 | Increased to 7,000 |
Pet care | |||
| 1. Pet accommodation benefit | 1,000 | 1,000 |
Not applicable |
| 500 | 500 | |
| 2. Trip cancellation and curtailment due to pet emergency | 50,000 | 25,000 | |
Cruise trip cover | |||
| 1. Additional cancellation & curtailment & rearrangement | Additional 30,000 | Additional 30,000 | Not applicable |
| 2. Shore excursion cancellation | |||
| 10,000 | 10,000 |
|
| 10,000 | 10,000 | |
| 2,000 | 2,000 | |
| 3. Shore excursion curtailment | |||
| 5,000 | 5,000 |
|
| 500 | 500 | |
| 4. Satellite phone fee | 3,000 | 3,000 | Not applicable |
| Days | Individual Plan (HK$) | Family Plan (HK$) | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Asia | Worldwide | Asia | Worldwide | |||||||||
| Plan A | Plan B | Plan C | Plan A | Plan B | Plan C | Plan A | Plan B | Plan C | Plan A | Plan B | Plan C | |
| 1 | 236 | 180 | 143 | 247 | 189 | 149 | 591 | 451 | 357 | 619 | 472 | 373 |
| 2 | 257 | 196 | 155 | 269 | 205 | 162 | 643 | 490 | 388 | 673 | 513 | 405 |
| 3 | 296 | 218 | 170 | 327 | 241 | 187 | 740 | 545 | 425 | 818 | 603 | 468 |
| 4 | 327 | 234 | 180 | 382 | 272 | 210 | 818 | 585 | 450 | 955 | 680 | 525 |
| 5 | 354 | 261 | 201 | 413 | 304 | 235 | 885 | 653 | 503 | 1,033 | 760 | 588 |
| 6 | 384 | 290 | 222 | 448 | 339 | 259 | 960 | 725 | 555 | 1,120 | 848 | 648 |
| 7 | 411 | 308 | 237 | 479 | 360 | 277 | 1,028 | 770 | 593 | 1,198 | 900 | 693 |
| 8 | 486 | 363 | 278 | 584 | 436 | 334 | 1,215 | 908 | 695 | 1,460 | 1,090 | 835 |
| 9 | 518 | 382 | 292 | 622 | 459 | 351 | 1,295 | 955 | 730 | 1,555 | 1,148 | 878 |
| 10 | 549 | 393 | 300 | 659 | 472 | 360 | 1,373 | 983 | 750 | 1,648 | 1,180 | 900 |
| 11 | 579 | 404 | 309 | 695 | 485 | 371 | 1,448 | 1,010 | 773 | 1,738 | 1,213 | 928 |
| 12 | 600 | 415 | 317 | 720 | 498 | 381 | 1,500 | 1,038 | 793 | 1,800 | 1,245 | 953 |
| 13 | 622 | 426 | 325 | 747 | 512 | 390 | 1,555 | 1,065 | 813 | 1,868 | 1,280 | 975 |
| 14 | 643 | 435 | 333 | 772 | 522 | 400 | 1,608 | 1,088 | 833 | 1,930 | 1,305 | 1,000 |
| 15 | 696 | 464 | 354 | 861 | 574 | 439 | 1,740 | 1,160 | 885 | 2,153 | 1,435 | 1,098 |
| 16 | 718 | 479 | 366 | 888 | 593 | 453 | 1,795 | 1,198 | 915 | 2,220 | 1,483 | 1,133 |
| 17 | 740 | 491 | 374 | 916 | 608 | 463 | 1,850 | 1,228 | 935 | 2,290 | 1,520 | 1,158 |
| 18 | 763 | 499 | 382 | 944 | 618 | 472 | 1,908 | 1,248 | 955 | 2,360 | 1,545 | 1,180 |
| 19 | 784 | 511 | 390 | 970 | 632 | 483 | 1,960 | 1,278 | 975 | 2,425 | 1,580 | 1,208 |
| 20 | 806 | 522 | 398 | 998 | 647 | 493 | 2,015 | 1,305 | 995 | 2,495 | 1,618 | 1,233 |
| 21 | 826 | 534 | 408 | 1,022 | 661 | 505 | 2,065 | 1,335 | 1,020 | 2,555 | 1,653 | 1,263 |
| 22 | 1,051 | 674 | 514 | 1,132 | 726 | 553 | 2,628 | 1,685 | 1,285 | 2,830 | 1,815 | 1,383 |
| 23 | 1,078 | 688 | 524 | 1,161 | 741 | 565 | 2,695 | 1,720 | 1,310 | 2,903 | 1,853 | 1,413 |
| 24 | 1,105 | 701 | 535 | 1,190 | 755 | 576 | 2,763 | 1,753 | 1,338 | 2,975 | 1,888 | 1,440 |
| 25 | 1,131 | 715 | 545 | 1,218 | 770 | 587 | 2,828 | 1,788 | 1,363 | 3,045 | 1,925 | 1,468 |
| 26 | 1,167 | 727 | 556 | 1,256 | 783 | 598 | 2,918 | 1,818 | 1,390 | 3,140 | 1,958 | 1,495 |
| 27 | 1,200 | 741 | 566 | 1,293 | 798 | 609 | 3,000 | 1,853 | 1,415 | 3,233 | 1,995 | 1,523 |
| 28 | 1,237 | 753 | 574 | 1,332 | 811 | 618 | 3,093 | 1,883 | 1,435 | 3,330 | 2,028 | 1,545 |
| 29 | 1,368 | 826 | 629 | 1,466 | 885 | 674 | 3,420 | 2,065 | 1,573 | 3,665 | 2,213 | 1,685 |
| 30 | 1,406 | 840 | 640 | 1,506 | 900 | 686 | 3,515 | 2,100 | 1,600 | 3,765 | 2,250 | 1,715 |
| Each additional day up to 182 | 34 | 28 | 20 | 37 | 30 | 22 | 85 | 70 | 50 | 93 | 75 | 55 |
| Optional cover | Individual Plan (HK$) | Family Plan (HK$) |
|---|---|---|
| 1. Top-up sports equipment benefits | 30 | 75 |
| 2. Top-up rental vehicle excess | 60 | 120 |
| 3. Pet care | 60 / 5 days (for one pet per insured person) | 60 / 5 days (for one pet per family) |
| 4. Cruise trip cover | 50% of the premium | 50% of the premium |
Important Notes
Age Limit: Up to 85 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.
Maximum days per trip is 182 days, and 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 (Single Trip) 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.
Products you may be interested in
iTravel Go (Annual)
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 |
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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.
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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.
