Note: The insured journey must be departed from Hong Kong
Note: The insured journey must be departed from Hong Kong
How to buy TravelWise insurance WISELY?
Case 1: A budget back-packer may want to have the medical and accident cover for the critical and serious incident at the minimal cost.
BASIC PLAN: covers medical and personal accidents and costs $38 and upwards.
Case 2: A couple pays for a romantic vacation in a cruise in the Mediterranean Sea.
DELUXE PLAN + CRUISE OPTIONAL BENEFIT: protects the money invested in the vacation more with high benefit amount for Journey Cancellation and Interruption together with the cruise featured benefits of cruise cancellation and excursion tour cancellation etc.
Case 3: Just paid for a cheap ticket to fly for a weekend at the last minute before departure.
STANDARD PLAN: our standard plan allows you to save money to buy coverage for Journey Cancellation and Interruption.
Coverage Highlights
- No deductibles
- Special premium for family travel
- Emergency Medical Expenses & Assistance (Section 1) and Personal Accident (Section 2) cover Terrorist Act
- Covers all amateur sporting activities e.g. skiing, scuba diving, bungee jumping etc.
- In accordance with the advice of the Travel Industry Council of Hong Kong, Emergency Medical Evacuation and Repatriation of Remains are covered with unlimited benefit amount
- Emergency Medical Expenses & Assistance (Section 1) covers common epidemic, such as SARS, Bird Flu, Dengue Fever etc.
- Cover will automatically be extended up to a maximum of 10 calendar days in the event the Journey is being unavoidably delayed
Schedule of Benefits
| Core Benefits | Basic (HK$) | Standard (HK$) | Deluxe (HK$) |
|---|---|---|---|
1. Emergency Medical Expenses and Assistance a. Medical Expenses b. Emergency Medical Evacuation c. Repatriation of Remains d. Overseas Hospital Cash e. Compassionate Visit f. Child Guard |
$500,000 Unlimited Unlimited $5,000 NA NA |
$800,000 Unlimited Unlimited $5,000 $30,000 $30,000 |
$1,000,000 Unlimited Unlimited $5,000 $30,000 $30,000 |
2. Personal Accident a. Accident while in a Common Carrier b. Other Accidents |
$500,000 $250,000 |
$1,000,000 $500,000 |
$1,200,000 $600,000 |
3. Loss of Income Benefit |
NA |
NA |
$30,000 |
4. Journey Cancellation and Interruption a. Journey Cancellation b. Journey Interruption |
NA NA |
NA NA |
$20,000 $20,000 |
5. Personal Effects a. Baggage and Personal Effects b. Personal Money c. Travel Documents |
NA NA NA |
$8,000 $1,500 $10,000 |
$10,000 $2,500 $30,000 |
6. Delay Coverage a. Travel Delay b. Baggage Delay |
NA NA |
$1,500 $600 |
$2,000 $800 |
7. Personal Liability |
NA |
$2,000,000 |
$2,000,000 |
8. Credit Card Protection |
NA |
$20,000 |
$20,000 |
9. Loss of Home Content |
NA |
NA |
$3,000 |
Optional Benefits (Available to Standard and Deluxe Plan ONLY)
| Maximum Benefits (HK$) | |
|---|---|
1. Golf Protection a. Golf Baggage b. Hire Golf Equipment c. Loss of Green Fess |
$8,000 $6,000 $3,000 |
2. Cruise Vacation a. Additional Journey Cancellation and Interruption b. Cruise Cancellation and Interruption c. Excursion Tour Cancellation d. Excursion Satellite Phone Fee |
$30,000 $50,000 $10,000 $2,000 |
3. Scuba Diving a. Dive Tour b. Equipment Hire |
$15,000 $10,000 |
The above information provides only a summary of the policy benefits. Actual coverage provided shall be subject to the terms, conditions and exclusions of the policy.
In the event of differences between the English and Chinese versions of these webpage, the English version shall prevail.
Ans.: Yes, TravelWise is only available for those aged under 70.
Q2. Is scuba diving or other sport activities covered and are there any limitation or restrictions on these activities?
Ans.: As long as the activities are not performed under competition or professional sports or to earn income, they are covered without limitation or restriction.
Q3. Can a child be covered by the Single Trip Plan individually?
Ans.: Yes.
Q4. Should I bring along my policy during the journey?
Ans.: It is recommended you bring along the original policy during the journey and leave a copy with your family or friend in Hong Kong.
Q5. If I have to stay at the destination for one more day due to flight delay, should I buy another policy?
Ans.: Whenever the journey is unavoidably extended, the insurance will be automatically extended up to maximum 10 days.
Q6. Are my children covered by my annual policy if they travel without me?
Ans.: Yes.
Q7. Is there any limit on the trip duration?
Ans.: Single Trip Plan covers trips lasting up to 182 days. Annual Plan covers unlimited number of trips for up to 90 days.
Q8. What happens if my annual policy is due for renewal and expires while I am on holiday?
Ans.: If your annual policy expires while you are traveling outside Hong Kong, your trip will still be covered only if the policy is renewed within the 30-day grace period immediately following expiry.
Q9. What procedures shall I take if I am sick during the journey?
Ans.: You can visit a qualified medical practitioner for medical consultation. Please remember to keep all doctor report(s)/ receipt(s) for claims settlement.
Q10. If I need to file a claim, what is the procedure?
Ans.: The claim procedure is very simple. You can download the claim form at this website. Send the completed form with all necessary supporting documents to AIG Hong Kong's office and we will process your claim request.
About us
American International Group, Inc. (AIG) is a leading global insurance organization serving customers in 100 countries and jurisdictions. AIG companies serve commercial, institutional, and individual customers through one of the most extensive worldwide property-casualty networks of any insurer. In addition, AIG companies are leading providers of life insurance and retirement services in the United States. AIG common stock is listed on the New York Stock Exchange and the Tokyo Stock Exchange.
AIG is the marketing name for the worldwide property-casualty, life and retirement, and general insurance operations of American International Group, Inc. For additional information, please visit our website at http://www.aig.com. All products and services are written or provided by subsidiaries or affiliates of American International Group, Inc. Products or services may not be available in all countries, and coverage is subject to actual policy language. Non-insurance products and services may be provided by independent third parties. Certain property-casualty coverages may be provided by a surplus lines insurer. Surplus lines insurers do not generally participate in state guaranty funds, and insureds are therefore not protected by such funds. No risk is too small or too big. To ensure that all customers receive both maximum protection from potential risk and the best value from their investment, we take an integrated approach to risk management and constantly review and update products and services. Whether the need involves insurance for a home, a car, an office block or a fleet of commercial vehicles, we are there with the right product at the right price.
What we provide
At AIG, we take on our clients’ challenges and goals. Whether the need is as fundamental as insuring a first home or as complex as providing environmental coverage, our priority is providing clients with the confidence they need to prosper. Behind every policy we write is our commitment to deliver what matters most to them. Among our unique strengths are:
- Financial strength highlighted by the fact that we paid an average of $75 million in claims worldwide every business day in 2009.
- World-class talent with the know-how to assess vulnerability and underwrite the most complex risks – delivered through a local presence that enables us to respond rapidly when unforeseen events occur.
- Ongoing development of new and industry-leading products and services, along with the ability to develop tailor-made solutions when existing offerings do not meet client needs.
- An unwavering commitment to customer service excellence and to supporting our clients.
Our brand
The AIG brand affirms the importance of our roots as one of the world’s leading insurance organizations. Our name and identity convey our continued commitment to earning trust through innovation. We remain focused on developing new products and managing risk and scale, based on insights derived from an expanded geographic reach that meets client needs in virtually every region of the world. AIG is taking measured steps to ensure a strong, independent future. At their core, the changes we are making represent a renewal and reinforcement of our commitment to the industry and dedication to customer service.
Customer Service Hotline: +852 3666 7022
[Office Hours: Monday to Friday 9:00a.m to 6:00p.m, except public holiday]
Address: 7/F, One Island East, 18 Westlands Road, Hong Kong
Email: travelguard.hk@aig.com
Claims Services
Customer Service Hotline: +852 3666 7090
[Office Hours: Monday to Friday 9:00a.m to 6:00p.m, except public holiday]
Fax No.: +852 2834 8962
Address: 7/F, One Island East, 18 Westlands Road, Hong Kong
Email: travel.claim.hk@aig.com
Emergency Assistance Services
24-hour Travel Guard Assistance Hotline: +852 3516 8699