The policy provides cover for unlimited number of journeys made during the insurance period. Each journey does not last 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 i-Travel (Single-Trip) insurance policy which covers any journey up to 182 consecutive days.
Yes. i-Travel Policy will provide coverage. Your coverage under your i-Travel Policy will be automatically extended for a maximum of 14 days if your trip is delayed due to your sickness.
The insurance period of i-Travel Policy will be automatically extended in the following circumstances:
b) Bodily Injury, or
of you, or your Immediate Family Members, fiancé / fiancée , or Close Business Partner traveling with you.
As a friendly reminder, such circumstances must be supported by a written confirmation from a legally registered medical practitioner from your traveling country during your claim.
Your i-Travel Policy will only be automatically extended for reasons stated in the Travel Delay and Missed Departure Section. If you wish to extend your trip for other purposes and also extend the period of insurance, you are advised to contact us before policy expiry to obtain our prior consent. An additional premium may be required to extend your period of insurance under these circumstances.
Unfortunately, your medical expenses incurred after your return to Hong Kong are not covered. Under your i-Travel 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'm afraid not. It is because travel policy only covers journeys which start in Hong Kong. Therefore, if your company has purchased travel insurance for your business trip, it is recommended to extend the period of insurance to cover your personal trip under the same policy. Otherwise, if your company did not purchase travel insurance for your business trip, it is recommended that you buy a travel policy for your whole trip including both the business and personal travel to ensure protection.
I'm afraid not. Delayed Baggage protection is only available when your check-in baggage was delayed in your outward journey. The intention of this cover is to assist you when you are deprived of essential supplies when away from home. When you return home, it is expected that you will have easy access to such supplies without assistance.
You're recommended to take out travel insurance a day prior to your midnight flight to ensure your journey from home/office to airport will also be covered.
This is because the coverage of i-Travel either commences:
a) when you leave your home or office in Hong Kong for the sole purpose of starting the trip, or ,
b) at the policy inception date
whichever is later.
For example, your flight is scheduled on 00:30 am 10th March. If you take out travel insurance from 10th March and if unfortunately your car crashes during your journey to the airport at 11.30 pm 9th March, then you will not be protected by i-Travel Policy as the travel insurance policy is only effective on 10th March.
Yes, since your journey is unavoidably cancelled by the tsunami, you will be covered for any unused travel and accommodation expenses that you have already paid or must pay and at the same time you cannot recover them from any other source.
I'm afraid that 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 more than 24-hour delay in your scheduled departure from Hong Kong.
Yes, we will reimburse you the additional road transport fares since the ash from the volcano – which is a natural disaster -- has caused the failure of your scheduled flight to get you to your planned destination – London.
Yes, we will reimburse you the additional air ticket expense as the public coach had failed to get you to the Taipei airport due to adverse weather which is one of the specified perils covered in our policy.
Unfortunately you cannot because traffic accident is not our specified peril that we will cover in our travel policy.
Yes, you would be compensated with HK$250 for your flight delay which was caused by the suspension of the London airport resulting from the spread of the volcanic ash, i.e. a natural disaster.
We are sorry that we cannot proceed with your claim because "Air Traffic Control" does not fall within our policy coverage in Travel Delay Section. However, you would be compensated with HK$250 for your flight delay if the delay from "Air Traffic Control" is directly or indirectly resulted from adverse weather condition or natural disaster.
Yes. i-Travel Policy extends to cover death or bodily injury, medical expenses and emergency assistance services in case of terrorist attack while traveling. However, it is noteworthy that we do not cover such acts of terrorism that involve the use of biological, chemical agents or nuclear devices.