- The best travel insurance plans for Hong Kong
- Is it currently safe to travel to Hong Kong?
- Is travel insurance required by law to enter Hong Kong?
- Why take out travel insurance for Hong Kong?
- What should travel insurance for Hong Kong cover?
- The cost of travel insurance for Hong Kong
- How can you pay less for your travel insurance to Hong Kong?
- Relying on your current insurance in Hong Kong
- FAQ
- On the same topic
Travel insurance for Hong Kong: key takeaways
1. Definition: Travel insurance for Hong Kong covers medical costs, cancellations, and other unforeseen travel disruptions.
2. Key protection: Travel insurance is not mandatory for entry, but it is strongly recommended by the government.
3. Healthcare cost: Private healthcare in Hong Kong is expensive, costing over AUD 800 for a hospital night.
4. Price: A one-week travel insurance policy for Hong Kong typically costs between AUD 30 and AUD 60.
5. Good to know: Be aware of strict national security laws which can be interpreted broadly and applied to visitors.
Why trust HelloSafe?
HelloSafe is an international specialist in travel insurance comparison, advising over one million travellers every month. After analysing 41 travel insurance policies available in Australia, our experts share here everything you need to know to choose the best travel insurance for Hong Kong.
The best travel insurance plans for Hong Kong
| Contract we recommend | Medical reimbursement limit | Our view |
|---|---|---|
| HelloTravel Premium | 1.5M AUD | High-quality plan for Hong Kong, providing extensive medical and emergency support.strong reimbursement caphospitalisationrepatriation included |
| Cap Assistance 24/24 | 1.5M AUD | Suitable for all-round protection during your stay in Hong Kong.unlimited medical hotlinecancellation coverno policy excess |
| Tourist Card | 0.75M AUD | Good standard cover for tourists, meeting main risks in Hong Kong.core medical coverassistance servicebudget-friendly option |
| Travel Pass Monde | 1.0M AUD | Balanced policy for general and incidental medical costs while in Hong Kong.robust coveremergency supporteasy claims process |
| Globe Partner | 0.45M AUD | Reliable option for short or uncomplicated trips.covers essential medical expensesrepatriationcivil liability |
| Globe Traveller | 0.7M AUD | Meets requirements for basic protection with fast claims.basic hospital coversuitable for low-risk travelclaims paid promptly |
Is it currently safe to travel to Hong Kong?
As of June 2025, the Australian Department of Foreign Affairs and Trade advises travellers to exercise a high degree of caution in Hong Kong due to broadly enforced security laws and unpredictable legal risks for foreigners.
Here are their four main recommendations.
- Security risks: enforcement of national security laws can result in detention or prosecution, even for activities outside Hong Kong such as social media posts. Visitors should avoid protests or large gatherings, as these are banned and can result in arrest.
- Health risks: seasonal outbreaks of hand, foot and mouth disease are frequent, particularly between March and October. Those with pre-existing lung or heart problems should be aware that air pollution is sometimes significant in urban districts.
- Legal constraints: photographing or filming protests or police activity is prohibited and can result in arrest. Laws on sedition and national security are applied strictly, including to non-residents.
- Environmental hazards: typhoon warnings are issued regularly and can close airports, cause flash flooding, and disrupt local transport. During ‘Black Rain’ signals, all public services, including transport, may be suspended.
Although not required, travel insurance is strongly recommended by the Australian Department of Foreign Affairs and Trade, particularly to cover medical expenses and emergency repatriation, which can be extremely costly in Hong Kong.
Is travel insurance required by law to enter Hong Kong?
No, travel insurance is not legally mandatory for travellers from Australia to enter Hong Kong for tourism or short stays.
While not required by law, travel insurance is strongly recommended due to the high cost of private healthcare in Hong Kong. Medical care, especially at well-known hospitals such as Hong Kong Adventist Hospital or Matilda International Hospital, can be expensive, and upfront payment is often required.
According to our data, 80% of travellers purchase travel insurance before going to Hong Kong. This high rate is explained by the expensive local health system and the risks of unexpected incidents that can occur during travel.
Why take out travel insurance for Hong Kong?
It is an essential financial and medical protection for anyone going to Hong Kong.
In Hong Kong, private hospitals such as Hong Kong Adventist Hospital and Matilda International Hospital offer excellent care but charge high prices, especially for non-residents, and upfront payment is often required. Public hospitals exist but waiting times can be long and non-permanent residents get limited coverage.
Travel insurance covers medical fees, hospitalisation, medication, ambulance transport and emergency repatriation to Australia if a serious issue arises.
Here are some examples of healthcare costs in Hong Kong.
| Example of medical treatment | Cost at Hong Kong Adventist Hospital | Covered by travel insurance |
|---|---|---|
| I have to be hospitalized 48 hours after contracting an infection | HKD 40,000 (AUD 7,900) | up to AUD 1,000,000 |
| I broke my tibia (X-ray, cast, and crutch rental) | HKD 25,000 (AUD 4,900) | up to AUD 1,000,000 |
| I need to be repatriated | HKD 220,000 (AUD 43,000) | up to AUD 1,000,000 |
| I have appendicitis (consultation and surgery) | HKD 70,000 (AUD 13,700) | up to AUD 1,000,000 |
These prices are given as an indication and may vary depending on the facilities and regions.
It is therefore essential to take out appropriate travel insurance to avoid unexpected and potentially high expenses.
What should travel insurance for Hong Kong cover?
Here is a summary table of the main coverages you should look for in a travel insurance policy for Hong Kong.
| Main coverages | Explanations and recommendations |
|---|---|
| 🏥 Medical expenses | Covers urgent medical care and hospitalisation due to illness or accident. We recommend a minimum reimbursement limit of AUD 80,000. |
| 🛫 Medical evacuation and repatriation | Pays for emergency transfer to Australia if needed. Choose at least AUD 80,000 of coverage. |
| ❌ Trip cancellation and interruption | Refunds non-refundable travel and accommodation if your plans change due to medical emergencies or disasters. At least AUD 10,000. |
| 🏨 Hospitalisation and medication | Covers stays in private hospitals and essential prescriptions. Aim for a minimum of AUD 50,000. |
| 🎒 Personal belongings and baggage | Reimburses lost, stolen, or damaged items such as luggage, electronics, and documents. We recommend AUD 5,000 or more. |
| 👥 Personal liability | Provides cover if you cause injury or property damage to a third party. Choose at least AUD 1,000,000 of liability cover. |
| ⚠️ Crisis assistance | Access to round-the-clock emergency support and legal help. Select comprehensive cover with a global network. |
We recommend a minimum reimbursement limit of AUD 80,000.
Choose at least AUD 80,000 of coverage.
At least AUD 10,000.
Aim for a minimum of AUD 50,000.
We recommend AUD 5,000 or more.
Choose at least AUD 1,000,000 of liability cover.
Select comprehensive cover with a global network.
Travel insurance from local providers or bank cards usually includes low benefit limits and frequent exclusions. For your safety, choose a trusted insurer offering full coverage. You can compare leading options through HelloSafe and subscribe in minutes for instant proof of insurance.
The cost of travel insurance for Hong Kong
| Trip duration | Traveler’s age | Indicative price per person |
|---|---|---|
| 1 week | 25 years old | AUD 30 |
| 2 weeks | 45 years old | AUD 55 |
| 1 month | 35 years old | AUD 85 |
| 1 month | 70 years old | AUD 175 |
These prices are indicative and may vary depending on the coverage chosen and the specifics of each insurer.
Good to know
The price of your travel insurance depends on several key factors: your age, the duration of your trip, your destination, the level of cover, and any pre-existing medical conditions. Remember to consider these points carefully to ensure you get the right cover for your trip to Hong Kong without any nasty surprises.
💡 It is always recommended to compare multiple offers to find the best value-for-money plan for you. You can use HelloSafe.
👉 Compare the best travel insurance for freeI compareHow can you pay less for your travel insurance to Hong Kong?
Here are some suggestions to optimize the cost of your travel insurance to Hong Kong while keeping good coverage:
| Criteria | Why it matters | Expert tip |
|---|---|---|
| 🧳 Trip duration | Insurance costs rise with longer trips, especially if extending beyond a few weeks in Hong Kong. | Buy coverage only for your travel dates and avoid insuring extra days before or after your actual trip. |
| 🧑🤝🧑 Number of travellers | Family or group policies can offer greater value when travelling together to Hong Kong. | Choose a group plan if travelling with family or friends to benefit from available bundled discounts. |
| 🏥 Level of coverage | Hong Kong healthcare is high quality but expensive for foreigners, so limits should reflect potential emergency costs. | Choose essential benefits and avoid excessive add-ons to keep premiums affordable without risking safety. |
| 🏨 Accommodation type | Staying in hotels may reduce risks compared to hostels, potentially impacting insurance needs. | Tell your insurer about your accommodation type for available discounts if you are not staying in hostels. |
| 👵 Traveller's age | Older travellers often pay more. Hong Kong is urban, but medical expenses can be high, especially for seniors. | Heymondo does not increase its prices for people over 62, making it a good option for older customers. |
| 🏥 Medical excess | Selecting a higher excess lowers premium but you pay more if you claim. | Only pick a higher excess if you’re prepared for potential out-of-pocket expenses during a medical event. |
| 📱 Online purchase | It is easier to compare and buy online, where providers often offer lower prices. | Compare providers and buy online to access better deals and broader coverage in a few minutes. |
Relying on your current insurance in Hong Kong
It is reasonable to consider whether your current insurance, such as credit card coverage or your private health insurance, will protect you when travelling to Hong Kong. Unfortunately, this coverage is often limited or insufficient for international travel. Here is a summary table to help you review your current insurance and what it covers.
| Type of insurance | Valid in Hong Kong? | What it covers | Why Travel Insurance is better |
|---|---|---|---|
| Public health insurance (Medicare) | Never | No cover outside Australia. No benefits for emergency care or hospitalisation abroad. | Travel insurance covers up to AUD 1,000,000+ for medical treatment, hospitalisation, evacuation, and emergencies. |
| Private health insurance (Bupa, Medibank, nib) | Limited coverage | Some policies may offer partial reimbursement, but unlikely to provide direct payment or evacuation. | Travel insurance pays up to AUD 1,000,000+ for medical care, emergency evacuation, and 24/7 helpline. |
| Classic credit card (Commonwealth Bank Low Rate, ANZ First, Westpac Low Rate) | Limited coverage | Medical emergencies up to AUD 20,000. No cover for extended hospitalisation or trip disruption. | Travel insurance offers AUD 1,000,000+ medical, hospital, evacuation, and additional trip support. |
| Premium credit card (ANZ Platinum, Westpac Altitude Black, NAB Rewards Platinum) | Limited coverage | Medical up to AUD 150,000. Limited baggage, delay, and no comprehensive support. | Travel insurance covers up to AUD 1,000,000+ for serious emergencies, lost baggage, and trip cancellations. |
Example
While hiking in Hong Kong, Ben suffered a severe bout of food poisoning, requiring a 4-day private hospital stay. The total bill came to AU$15,000. His CommBank credit card's complimentary insurance had a high excess and only covered AU$1,000, leaving him to pay the remaining AU$14,000 out-of-pocket.
Expert advice
Your bank card or health insurance often excludes key situations like trip interruption due to a relative's illness. Always read the fine print to avoid nasty surprises overseas. In all cases, it's safer and more reassuring to get dedicated travel insurance tailored to your trip.
FAQ
Do I need a visa to travel to Hong Kong?
Australian citizens do not need a visa to visit Hong Kong for tourist stays of up to 90 days. Your passport must be valid for at least six months from your entry date. You may also be asked to provide a return or onward ticket and proof of sufficient funds on arrival.
How do I purchase travel insurance for Hong Kong?
Start by using the HelloSafe travel insurance comparison tool to compare available options. Check the cover and exclusions carefully, looking for benefits relevant to Hong Kong, such as medical expenses, repatriation, and natural disaster cover. Buy your chosen policy online and you will receive your insurance certificate by email.
What health risks should I know about before travelling to Hong Kong?
Travellers should be aware of risks including hand, foot and mouth disease, high air pollution, foodborne illnesses, and waterborne diseases like hepatitis. It is also important to take precautions during typhoon season from May to October. Most private hospitals require payment upfront, so ensure your insurance offers direct billing or reimbursement.
If I am participating in the Working Holiday Scheme in Hong Kong, what insurance do I need?
Australians joining the Working Holiday Scheme are required to have travel insurance with medical coverage for the entire stay. The policy must cover hospitalisation, repatriation, and emergency medical care. Always bring proof of insurance when you arrive, as it may be checked by immigration or your employer.
Are natural disasters such as typhoons covered by travel insurance for Hong Kong?
Many Australian travel insurance policies offer protection against trip disruption caused by natural disasters, including typhoons that can affect Hong Kong. This usually includes cover for additional accommodation, cancelled flights, and alternative transport. Always check your policy for “natural disaster” or “weather event” cover limits and exclusions.
Does travel insurance cover legal assistance if I am detained in Hong Kong?
Most travel insurance policies do not include legal assistance for issues related to criminal or political activity. They may only offer referrals or basic support. As Hong Kong’s security laws are stringent, always follow the law and monitor travel advisories to avoid risky situations where legal support would not be covered.
Do I need a visa to travel to Hong Kong?
Australian citizens do not need a visa to visit Hong Kong for tourist stays of up to 90 days. Your passport must be valid for at least six months from your entry date. You may also be asked to provide a return or onward ticket and proof of sufficient funds on arrival.
How do I purchase travel insurance for Hong Kong?
Start by using the HelloSafe travel insurance comparison tool to compare available options. Check the cover and exclusions carefully, looking for benefits relevant to Hong Kong, such as medical expenses, repatriation, and natural disaster cover. Buy your chosen policy online and you will receive your insurance certificate by email.
What health risks should I know about before travelling to Hong Kong?
Travellers should be aware of risks including hand, foot and mouth disease, high air pollution, foodborne illnesses, and waterborne diseases like hepatitis. It is also important to take precautions during typhoon season from May to October. Most private hospitals require payment upfront, so ensure your insurance offers direct billing or reimbursement.
If I am participating in the Working Holiday Scheme in Hong Kong, what insurance do I need?
Australians joining the Working Holiday Scheme are required to have travel insurance with medical coverage for the entire stay. The policy must cover hospitalisation, repatriation, and emergency medical care. Always bring proof of insurance when you arrive, as it may be checked by immigration or your employer.
Are natural disasters such as typhoons covered by travel insurance for Hong Kong?
Many Australian travel insurance policies offer protection against trip disruption caused by natural disasters, including typhoons that can affect Hong Kong. This usually includes cover for additional accommodation, cancelled flights, and alternative transport. Always check your policy for “natural disaster” or “weather event” cover limits and exclusions.
Does travel insurance cover legal assistance if I am detained in Hong Kong?
Most travel insurance policies do not include legal assistance for issues related to criminal or political activity. They may only offer referrals or basic support. As Hong Kong’s security laws are stringent, always follow the law and monitor travel advisories to avoid risky situations where legal support would not be covered.
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