Could a transit stop affect your travel insurance coverage? What's the difference between separate tickets and connecting flights from an insurance perspective? And if you have a long layover, will you still be covered? Understanding the relevant benefits and policy terms before departure can help reduce the financial impact of unexpected disruptions and give you greater peace of mind throughout your journey.

When it comes to travel insurance, many people typically consider coverage for flight delays or lost luggage but overlook the potential risks posed by natural disasters. With the increasing frequency of earthquakes worldwide, there has been growing public interest in whether travel insurance covers natural disasters, such as trip interruptions, accommodation changes, medical expenses, or even emergency evacuations. In this article, we will address your concerns in a Q&A format, so you will be clear about what earthquake coverage can help you with during your next trip.

Based on estimated 2026 costs, the total first-year cost of hiring a foreign domestic helper typically ranges from HKD 73,000 to HKD 101,000, depending on factors such as the recruitment method, agency arrangements and insurance coverage. This guide breaks down the key expenses involved in hiring a foreign domestic helper, including common hidden costs that are often overlooked, helping families make informed decisions and plan their budget more effectively.