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Old Aug 18, 19, 10:31 pm
Original Member
Join Date: May 1998
Location: Portland OR Double Emerald (QF and AA), DL PM/MM, Starwood Plat
Posts: 19,360
What country are you buying insurance in? The T&C vary even for same company by country. In general most travel policies exclude "civil unrest" for reimbursement so you may have great difficulty in finding insurance that covers any delays and expenses you incur in Hong Kong. Personally I have an annual travel policy from Zurich Insurance which works well for me but it would not pay out for most likely HKG scenarios imho. My main reason for travel insurance is to cover medical evacuation costs (which are often >$100k and can be life-saving plus difficult to arrange); haven't had to use that (yet). Covering costs for delays I can manage on my own.
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