Unfortunately, your medical expenses incurred after your return to Hong Kong are not covered. Under this 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.
You are advised to contact our MSIG Insurance Hotline at your earliest to request for our consent over the extension of your trip with the condition that your request comes prior to the expiry of your travel insurance plan. You may also ask your representative in Hong Kong (e.g. family) to contact us. Your policy will be extended upon our consent and the successful payment of additional premium.
Unfortunately, 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 a more than 24-hour delay in your scheduled departure from Hong Kong.
Yes. If the camera is less than one year old, we will pay the replacement cost of a similar item. If it is more than one year old, we will deduct from the replacement cost a reasonable amount of depreciation. The most important thing is that you need to report the loss at a nearby police station and obtain a "lost certificate" from the police to support your claim with MSIG.
You are recommended to take out travel insurance a day prior to your midnight flight in order to ensure that the journey from your home/office to the airport will also be covered.
For example, your flight is scheduled for 00:30am on 10th March. If you take out travel insurance from 10th March and, unfortunately, your car crashes during your journey to the airport at 11.30pm on 9th March, then you will not be protected by your iTravel Plus Policy, as the travel insurance policy is only effective on 10th March.
The policy provides cover for an unlimited number of journeys made during the insurance period. Maximum duration of each journey should not be 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 Travel (Single Trip) insurance policy which covers any journey up to 182 consecutive days.