iTravel Plus (Single Trip)

iTravel Plus (Single Trip)

Enjoy a hassle-free holiday with comprehensive travel protection

Key Features

  • Extra benefits provided for Black Alert and Red Alert under the Outbound Travel Alert System up to HK$50,000 and HK$25,000 respectively
    • If the Black Alert is hoisted, pays up to 100% of the relevant loss and up to 100% of ‘Trip Cancellation and Curtailment’ section limit, or if the Red Alert is hoisted, pays up to 50% of the relevant loss and up to 50% of ‘Trip Cancellation and Curtailment’ section limit
    • Up to HK$300 administration charge billed by the travel agent if your trip is cancelled or curtailed
    • Additional transport expenses if you are forced to leave the city you are staying to  another city in order to return to Hong Kong
    • HK$1,000 cash allowance if you must stay overnight in another city waiting for the necessary public transport to return to Hong Kong
  • Newly added loss of or damage to mobile phone5 cover up to HK$2,000
  • 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 sports and activities6 include hot-air ballooning, scuba diving, recreational alpine skiing or snowboarding, tobogganing, sledding, water skiing, wakesurfing, wakeboarding, rafting, sailing, windsurfing, bungee jumping, horse riding, trekking or hiking, parasailing, banana boat trip, canoeing, kayaking, sea kayaking, underwater strolling, sand boarding, safari adventures, or zipline adventure activities at no extra cost
  • Additional transport and/or accommodation expenses incurred for trip rearrangement, up to HK$7,500
  • Terrorism extension10 cover up to HK$3,000,000 per person for accidental death, bodily injury, medical expenses and Worldwide Travel Assistance Services
  • Personal Accident1,2,3 cover up to HK$1,000,000
    • Advance payment of HK$50,000 cash relief for Accidental Death
    • Major Burns Benefit up to HK$1,000,000
    • Loss of Limb Benefit cover, which is defined in the Policy as loss by physical severance at or above the wrist or ankle or the total and permanent loss of use of an entire hand, arm, foot or leg under Personal Accident Section
  • 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)
  • Rental Vehicle Excess cover up to HK$5,000
  • Worldwide travel assistance service including medical evacuation & repatriation, children escort arrangements services for unexpected return to Hong Kong etc.


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 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 Extension10

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 and Activities Coverage6

  • Pay you in the event of accidental death or bodily injury while you are taking part in hot-air ballooning, scuba diving, skiing, snowboarding, tobogganing, sledding, water skiing, wakesurfing, wakeboarding, rafting, sailing, windsurfing, bungee jumping, horse riding, trekking or hiking, parasailing, banana boat trip, canoeing, kayaking, sea kayaking, underwater strolling, sand boarding, safari adventures, or zipline adventure activities

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

Up to $125,000 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, 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: -

  • If the Black Alert is hoisted, pays up to 100% of the relevant loss and up to 100% of section limit, or if the Red Alert is hoisted, pays up to 50% of the relevant loss and up to 50% the section limit.
  • 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 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, closure of the airport, 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
  • If the original departure and arrival ports/airports of the Public Transport conveyance that you have arranged are in/from mainland China, the maximum cover is HK$500
$2,000 $1,000 $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 or closure of the airport
  • 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 amount we will pay for:
    • any single article, pair or set of articles is HK$2,000.
    • all of your sports equipment is HK$5,000 in total.
    • all of your valuables is HK$5,000 in total.
    • all of your cameras, camcorders and audio/video equipment is HK$5,000 in total.
    • any mobile phone is HK$2,000 (mobile phone cover is for Plan A only and is not applicable to Insured Person(s) who is(are) aged below 18 under Family Plan).

$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 C5
  • 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 Sections 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. This benefit is not applicable to insured person(s) is(are) below 18 years of age and insured under a Family Plan. 
  6. 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. 
  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. Any acts of terrorism involve the use of biological, chemical agents or nuclear devices are excluded.
  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$)
2 244 186 147 610 464
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:
  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 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.
  4. 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.
  5. 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.
  6. 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.
  7. 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.
  8. 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.
  9. 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.
  10. Any acts of terrorism involve the use of biological, chemical agents or nuclear devices are excluded.
  11. 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 (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

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

First $200 of each and every claim

Personal Money, Documents and Additional Accommodation Expenses