iTravel Plus (Single Trip)

iTravel Plus (Single Trip)

Enjoy a hassle-free holiday with comprehensive travel protection

Key Features

  • Black travel alert benefits for accommodation and transportation expenses
  • Reimburses rental vehicle excess up to HK$5,000
  • Cover for trip cancellation of up to HK$50,000 of unused travel and accommodation (including overseas local tour package or admission tickets to any major sporting event, concert or theme park etc.) 

Plan Highlights

  • Covers amateur dangerous sports6 e.g. hot air ballooning, scuba diving, winter sports, water skiing, rafting, sailing, windsurfing, bungee jumping and horse riding at no extra cost
  • Additional transport and/or accommodation expenses incurred for trip rearrangement, up to HK$7,500
  • Terrorism extension5 cover up to HK$3,000,000 per person for accidental death, bodily injury, medical expenses and Worldwide Travel Assistance Services
  • Accidental death or permanent total disablement (including major burns) cover up to HK$1,000,0001,2,3
    1. Double indemnity4 for personal accident cover on public common carrier up to HK$2,000,000
    2. HK$50,000 advance cash relief payment for accidental death
  • Covers expenses for overseas medical treatment up to HK$1,000,0001,3 and follow-up medical treatment in Hong Kong up to HK$50,000 for maximum 90 days (including herbalists, bonesetters and acupuncture’ fees)
  • Worldwide travel assistance service including medical evacuation & repatriation, children escort arrangements services for unexpected return to Hong Kong etc.


Newly-added optional benefit: (Applicable to Plan A and Plan B)

  • Increase personal baggage sub-limit for all sports equipment up to HK$10,000
  • Covers the actual expense up to HK$1,000 for rental of sports equipment due to check-in baggage delayed for more than 12 hours
  • Rental vehicle excess extension up to HK$10,000
  • Covers additional accommodation expenses up to HK$1,000 for one pet charged by the licensed kennel/cattery or pet hotel if you are unable to collect your dog/cat

Plan details

Benefits

Benefits at a Glance Maximum Benefits Payable Per Year (HK$)
 

Plan A (Worldwide)

Plan B (Worldwide)

Plan C11 (Asia)

Personal Accident1,2,3

Accidental 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 Expenses1,3

Pays for follow-up medical expenses within 90 days after arrival in Hong Kong up to HK$50,000 including registered herbalists, bonesetters and acupuncture’ fees up to HK$150 per visit per day and up to HK$1,500 in total.

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 Extension5

Extends 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 Coverage6

  • Pays you in the event of accidental death or bodily injury while you are taking part in hot air ballooning, scuba diving, winter sports, water skiing, rafting, sailing, windsurfing, bungee jumping and horseriding

Up to $500,000 maximium
benefits under the Personal
Accident and Medical Expenses Sections

Up to $250,000 maximium
benefits under the Personal
Accident and Medical Expenses Sections

Not applicable

24-hour Worldwide Travel Assistance Services8

  • 24-hour worldwide emergency medical evacuation and repatriation after treatment

$2,000,000

$2,000,000

$2,000,000
  • Deposit guarantee for hospital admission

$40,000

$40,000

$40,000
  • Unexpected return to Hong Kong, compassionate visit, children escort arrangements, etc

Covered

Covered

Covered

Trip Cancellation and Curtailment

Reimburses 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, strike, industrial action, riot or mechanical and/or electrical breakdown of public transport which results in delay in departure from Hong Kong for not less than 24 hours.

For Black Alert under the Hong Kong Travel Alert System: -

  • Pays up to HK$300 administration charge billed by the travel agent if your trip is cancelled or curtailed.
  • Reimburses additional transport expenses if you are forced to leave the city in which you are staying for another city in order to return to Hong Kong.
  • Pays HK$1,000 cash allowance if you must stay overnight in another city waiting for necessary transport to return to Hong Kong.

$50,000

$25,000

$3,500 

Travel Delay

Pays HK$250 for each 6-hour period of delay and each subsequent period of 12 hours if:

  • The arrival/departure of public transport is delayed as a result of strike or industrial action, riot, hijack, adverse weather conditions, natural disaster directly resulting in suspension of public transport, mechanical and/or electrical breakdown of public transport or
  • Your trip is delayed due to serious bodily injury, serious sickness or death of you or your immediate family members, fiance(e) or close business partner travelling with you abroad
$3,500 $3,000 $500

Trip Rearrangement

  • Reimburses unused travel and accommodation (including overseas local tour package or admission tickets to any major sporting event, musical, concert, museum or theme park) you have paid for or payments for which you are legally obliged to pay, or reimburses additional transport and/or accommodation expenses incurred, and which are not recoverable from any other source in reaching your planned destination, or for your return trip to Hong Kong if your trip is unavoidably re-routed due to strike or industrial action, riot, hijack, adverse weather conditions or natural disaster directly resulting in suspension of public transport
  • Pays for accommodation expenses up to HK$1,000 per day

$7,500

$5,000

$1,500

Loss of Baggage

  • Pays for accidental loss of or damage to personal baggage. (The maximum cover for any single article, pair or set of articles is HK$2,000 and the overall limit for valuables or all sports equipment is HK$5,000, with Excess HK$200) 

$20,000

$15,000

$5,000 

Delayed Baggage

  • Pays 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

$500 

Personal Money, Documents and Additional Accommodation Expenses

  • Covers the loss of cash or travellers’ cheques directly arising from theft, robbery or burglary during the period of insurance, subject to a maximum amount of HK$3,000 for Plan A, HK$2,000 for Plan B and HK$300 for Plan C10
  • Reimburses the replacement cost of Hong Kong identity card, credit cards, driving licence, travel tickets, hotel vouchers or passport
  • Pays for additional travel and accommodation expenses which are necessary to obtain a replacement passport if your passport is lost or stolen while you are abroad
  • Excess HK$200

$10,000

$5,000

$600

Personal Liability

  • Pays 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

$250,000 

Rental Vehicle Excess

  • Pays 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

$2,000 

Golfers' Hole-in-One7

  • Pays for the cost of hospitality if you achieve a “Hole-in-One” in any recognised golf-course
 $5,000  $3,000 Not applicable

Automatic Extension of Cover (Applicable to Travel Delay and Trip Rearrangement) 

  • Cover is automatically extended free of charge in the event of delays due to unforeseen events covered under the Travel Delay and Trip Rearrangement Sections

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 Per Year (HK$)

Extra Sports Equipment Benefits (Applicable to Loss of Baggage and Delayed Baggage)

  1. Pays for accidental loss of or damage to personal baggage sub-limit for all sports equipment.
Extra $5,000 N/A
  1. Covers the actual expense for rental of sports equipment due to check-in baggage delayed more than 12 hours.
$1,000  N/A

Upgraded Rental Vehicle Excess (Applicable to Rental Vehicle Excess)

  • Pays an excess which you become liable to pay under the agreement with licensed rental company for loss of or damage to the vehicle that you rent.
Extra $5,000 N/A

Pet Accommodation Protection

Covers 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. The arrival of your return flight is delayed by at least 6 hours; or
  2. You are hospitalized or quarantined outside Hong Kong and as a result you cannot arrive in Hong Kong on the original return date
$1,000 N/A
Important Notes:
  1. The maximum indemnity under Personal Accident and Medical Expenses section for an insured person who is over 70 years of age will be limited to only 25% of the sum insured.
  2. 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.
  3. 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. 
  4. 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. 
  5. Any acts of terrorism involve the use of biological, chemical agents or nuclear devices are excluded. 
  6. The Amateur Dangerous Sports 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. 
  7. The Golfers' Hole-in-One benefit will not be available to those Insured Persons who are under 18 years of age.
  8. 24-hour Worldwide Travel Assistance Services are available outside the Country of Residence. Country of Residence will be regarded as Hong Kong.
  9. "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.
  10. This benefit is not applicable to insured person(s) is(are) below 18 years of age and insured under a Family Plan.
  11. 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.

Premium

Days
Individual Plan Family Plan*
Plan A (HK$) Plan B (HK$) Plan C (HK$) Plan A (HK$) Plan B (HK$) 
2 226 172 131 566 431
3 288 212 159 720 529
4 336 240 179 839 600
5 364 268 199 910 670
6 394 298 220 984 744
7 422 317 235 1,055 793
8 450 336 248 1,125 839
9 480 354 261 1,199 886
10 508 364 268 1,270 910
11 536 374 276 1,341 935
12 556 384 283 1,390 959
13 576 394 290 1,439 984
14 595 403 297 1,488 1,009
15 613 408 301 1,531 1,021
16 632 422 311 1,581 1,055
17 652 432 318 1,630 1,079
18 672 440 324 1,679 1,101
19 691 450 331 1,728 1,125
20 710 460 338 1,774 1,150
21 728 470 346 1,820 1,175
22 748 480 353 1,870 1,199
23 768 490 360 1,919 1,224
24 787 499 367 1,968 1,248
25 806 509 374 2,014 1,273
26 831 518 381 2,079 1,295
27 855 528 388 2,137 1,319
28 881 536 394 2,202 1,341
29 905 546 401 2,263 1,365
30 930 556 408 2,325 1,390
31 up to 182 HK$22 for each additional day HK$18 for each additional day Not applicable HK$55 for each additional day HK$46 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:
  1. 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.
  2. There is no minimum age limit for this plan. Maximum age limit is 85.
  3. Family Plan cover 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 of must be accompanied by a parent or a guardian in the insured trip. Family Plan is not applicable to Plan C.
  4. 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.
  5. Optional Benefit is applicable to single trip 2 - 10 days. This optional benefit is not applicable to Plan C.
  6. No refund of the premium and the Levy will be allowed once the policy document has been issued.
  7. 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.
 

Exclusions

  1. Any liability arising from a contractual agreement without the prior consent of Us is not covered
  2. 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
  3. Professional or organised dangerous sports or activities
  4. 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
  5. Manual work undertaken during business trips
  6. Suicide, intentional self-inflicted injury, insanity
  7. Mental or nervous disorders, sleep disorder, psychiatric disorder
  8. Alcoholic and drug addiction or solvent abuse
  9. HIV (Human Immunodeficiency Virus) and AIDS (Acquired Immune Deficiency Syndrome)
  10. Flying activities other than as a fare-paying passenger on a regular or schedule airline or licensed chartered aircraft
  11. Air flight crew
  12. Unlawful acts
  13. War and terrorism (Except for Terrorism Extended Cover)
  14. Nuclear weapons and radiations
  15. Loss of or damage to any pager, mobile phone, 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

Excess for each and every claim (HK$)
Loss of Baggage

First $200 of each and every claim

Personal Money, Documents and Additional Accommodation Expenses