Recommendations for Travel Insurance
Aug 17, 2019, 3:56 pm
#1
Original Poster
Join Date: Feb 2017
Programs: BAEC Gold, Ex Marco Polo Club
Posts: 105
Recommendations for Travel Insurance
I am travelling to Hong Kong soon and I was wondering which travel insurance policies anyone can recommend, particularly in regards to cancellations just in case there is anymore disruption in Hong Kong?
Aug 18, 2019, 9:31 pm
#2
Original Member
Join Date: May 1998
Location: Portland OR Double Emerald (QF and AA), DL PM/MM, Starwood Plat
Posts: 19,589
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.
Aug 23, 2019, 7:10 pm
#4
Join Date: Apr 2013
Location: New Zealand (most of the time)
Programs: Air NZ Elite *G, Honors Gold, IHG Platinum Elite
Posts: 6,114
Since you didn't opt to buy travel insurance before the unrest started I'd be surprised if you can find any travel insurance provider who will now cover you for any disruption caused by it.
Aug 28, 2019, 7:53 pm
#6
Join Date: Apr 2019
Location: YYZ
Programs: Aeroplan SE. AF-Plat
Posts: 616
Pretty standard for all insurance that they do not cover civil unrest...(don't shoot the messenger,lol)
Sep 3, 2019, 2:56 pm
#7
Join Date: Jun 2009
Location: Baltimore, MD (BWI/IAD)
Programs: United Mileage Plus, Southwest Rapid Rewards, Amtrak Guest Rewards
Posts: 347
Good luck with that. I'm not about to check every provider for you, but Allianz doesn't cover civil disorder or unrest except as expressly covered under cancellation, interruption or delay policies. So protests aren't enough to cash in on insurance for cancellation, unless they precipitate something that is a covered reason.
However, if civil disorder either delays your trip or messes up half of it, Allianz will cover you
If you're worried about canceling due to the unrest, get a policy that covers you if you cancel for any reason. Those policies are more expensive (duh), but that's your only option.
However, if civil disorder either delays your trip or messes up half of it, Allianz will cover you
If you're worried about canceling due to the unrest, get a policy that covers you if you cancel for any reason. Those policies are more expensive (duh), but that's your only option.