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Travel insurance* coverage in relation to COVID-19
If I decide to cancel my overseas trip due to COVID-19, am I covered by my travel insurance?
Please note that there are three possible scenarios:
- If you choose to cancel your trip, without any signs or symptoms of illness, this would not be covered by your travel insurance.
- If you are diagnosed with, or display signs or symptoms of, serious sickness before you purchase our travel insurance, this would not be covered.
- However, if you are diagnosed with a serious sickness and are certified by a Legally Registered Medical Practitioner as unable to travel overseas after purchasing your travel insurance, you may make a claim under the Trip Cancellation section of your policy. Our claims team will assess your claim based on the terms and conditions of your policy.
If Hongkongers are refused entry into a foreign country due to concerns over the spread of COVID-19, am I covered by my travel insurance?
This scenario is not normally covered by your travel insurance, however we have made special arrangements for this due to the exceptional coronavirus situation. If your trip is cancelled because you are unable to travel or because your destination country has banned flights or immigration from Hong Kong travellers or the travel agent cancels the tour, as a result of COVID-19 outbreak; you can apply for a premium refund of your single trip travel insurance. We also suggest that you check with your travel agent, airline company or hotel in case they can provide you with options for re-scheduling or refunds of your other travel expenses.
Click here to apply for your premium refund.
If I rearrange my trip due to COVID-19, without being infected, am I covered by my Travel insurance?
This scenario is not covered by your travel insurance.
If I’m not feeling well during my trip and am diagnosed with COVID-19, am I covered by my travel insurance?
If you are not feeling well during your trip and are diagnosed with COVID-19, please consult a Legally Registered Medical Practitioner for diagnosis and treatment as soon as possible. Please keep all medical receipts and reports. You may submit a claim under the Medical Expenses section of your policy for any medical expenses you incur whilst overseas. Our claims team will assess your claim based on the terms and conditions of your policy.
For policyholders who enrol iTravel Plus (Single Trip) Plan A/ B or iTravel Plus (Annual) Plan A/ B through MSIG’s website or mobile app, if you are diagnosed with COVID-19 by a Legally Registered Medical Practitioner and are admitted to a hospital as an in-patient during your trip, apart from medical expenses incurred whilst overseas, you can make a claim of overseas hospital cash benefit of HK$500 for each full day and up to 10 days; if you are diagnosed with COVID-19 by a Registered Medical Practitioner and are mandated by the local government or respective regulator to be quarantined during your trip, you can make a claim of overseas quarantine allowance of HK$500 for each full day and up to 10 days.
However, you can only claim either hospital cash benefit or overseas quarantine allowance, but not both, in respect of any losses arising from the same cause. The following conditions are excluded:
- if pre-departure COVID-19 polymerase chain reaction (PCR) test is done and you are tested positive within 72 hours prior to your scheduled departure date.
- if any diagnosis of COVID-19 within 14 days from the start of your trip in the absence of pre-departure PCR test.
- if the Quarantine period is not within the Period of Insurance
- if Quarantine or self-isolation orders are mandated by the government for all travellers arriving into the country.
If I’m not feeling well after returning to Hong Kong and I have been diagnosed with COVID-19, am I covered by Travel insurance?
Your medical expenses incurred in Hong Kong are not covered by your Travel insurance unless they are necessary follow-up consultations resulting from medical treatment originally received overseas.If this is the case, you may submit a claim under the Medical Expenses section of your policy for your follow-up medical expenses and our claims team will assess it based on your policy terms and conditions.
What can I do if I have been diagnosed with COVID-19 and need to be hospitalised overseas, but do not have enough cash for the admission deposit?
If it is confirmed by a Legally Registered Medical Practitioner that you need to be hospitalised under this scenario, and you need assistance with the admission deposit, please call our 24-hour Worldwide Travel Assistance hotline (852) 3122 6899. This payment will be subject to the approval of the Medical Practitioner of our Worldwide Travel Assistance Service taking account of the terms and conditions of your policy.
For policyholders who enrol iTravel Plus (Single Trip) Plan A/ B or iTravel Plus (Annual) Plan A/ B through MSIG’s website or mobile app, if you are diagnosed with COVID-19 by a Legally Registered Medical Practitioner and are admitted to a hospital as an in-patient during your trip, apart from medical expenses incurred whilst overseas, you can make a claim of overseas hospital cash benefit of HK$500 for each full day and up to 10 days.
However, the following conditions are excluded:
- if pre-departure COVID-19 polymerase chain reaction (PCR) test is done and you are tested positive within 72 hours prior to your scheduled departure date.
- if any diagnosis of COVID-19 within 14 days from the start of your trip in the absence of pre-departure PCR test.
If I am hospitalised with COVID-19 overseas and need the assistance of my relatives, will my insurance pay for the travel of my relatives to assist me?
If you are diagnosed with COVID-19 and need to be hospitalised for more than 5 consecutive days, we can arrange and pay for round trip flight ticket (economy class only) and hotel accommodation for one of your relatives or other designated person to assist you for a maximum period of 5 consecutive days with maximum rate at HKD1,200 per day. Food and beverage cost and room services fees are excluded. Should you need assistance, please call our 24-hour Worldwide Travel Assistance hotline (852) 3122 6899 for this arrangement.
*以上提供之常見問題資料只供參考，及只適用於iTravel Plus(單次旅程)、iTravel Plus(全年旅程)、逍遙遊7.0及全年旅遊保險4.0。有關保障範圍及承保條款，請參閱保單。
E. & O.E.