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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 | |
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.
