Travel Insurance
2Applicable to selected cities in Japan, Thailand, Vietnam, Singapore and the Philippines
Travel Details
Select a plan
Maximum Limit Per Journey Per Insured Person (HKD)
(200 per day)
(1 person)
(1 person)
(500 per day)
(200 per day)
(500 per day)
(500 per day)
(500 per day)
(800 per day)
(750 per item)
(1,500 per item)
(250 per 6 hours)
(300 per 6 hours)
- i) Extra overseas accommodation expenses; OR
- ii) Irrecoverable deposits or charges for accommodation; AND
- iii) Irrecoverable deposits or charges for missed events due to travel delay
You can select the below optional cover
(Applicable for annual cover only)
All-in-one digital platform
Use the Emma by AXA mobile app
Check your policy details
Input claim details for selected claim types* or upload the claim form(s) for others on Emma by AXA (*Selected claim types: Outpatient, Travel Delay, Baggage Delay, Personal Belongings)
Frequently Asked Questions
The following information is for reference only and not a complete description of the applicable terms and conditions. For details terms and conditions of all benefits and exclusions, please refer to the Policy Wording.
When should I purchase my SmartTraveller Plus?
You should consider purchasing SmartTraveller Plus once you have paid for your transportation or hotel rooms for your trip, so that you can be covered for loss of deposit and trip cancellation under specific events. You can purchase SmartTraveller Plus as early as 180 days prior to your departure. Keep in mind that coverage for loss of deposit or cancellation of journey varies depending on the different situations and period of time before your trip, so it's important to carefully review the policy wording for specific details. Additionally, it's essential to remember that if a policy purchased after a trip has begun is invalid, so make sure to purchase your travel insurance in a timely manner.
Is it possible for me to purchase SmartTraveller Plus for my family, friends, or relatives, even if I am not traveling with them? And what is the process for making a claim in such case?
Certainly. With SmartTraveller Plus, you can cover up to 20 people in a single application under our single journey plan, even if you are not traveling together with them.
In the event of a claim, each insured adult, considered a policyholder, should personally initiate the process. For an insured child, the adult registered as a parent or guardian at the time of the application should submit the claim on behalf of the child, and any benefits payable will be disbursed to that registered parent or legal guardian.
Am I able to purchase SmartTraveller Plus for the children of my friends or relatives? Is it possible for a child to be covered by SmartTraveller Plus if they are not traveling with their parent or legal guardian?
Certainly, you can purchase the SmartTraveller Plus single journey plan for the children of your friends or relatives. However, please note that the full premium will be charged to the children if their parent or legal guardian is not insured under the same policy. Additionally, children under the age of 12 must be accompanied by an adult in order to be covered by SmartTraveller Plus.
What are the respective maximum durations per journey for the single journey plan and the annual cover plan under SmartTraveller Plus ?
Under the single journey plan, SmartTraveller Plus can cover trips lasting up to 360 days. For frequent travelers, our annual plan provides coverage for up to 90 days per trip, with an unlimited number of trips allowed within the policy year of 365 days.
What are the eligibility requirements for purchasing SmartTraveller Plus?
An applicant must be aged 18 or above. For the single journey plan, the insured person must be at least 30 days old with no upper age limit on the departure date. For the annual cover plan, the insured person must be between 30 days and 75 years old on the policy effective date. Additionally, the journey must originate from Hong Kong.
For online applications, both the applicant and all insured persons must possess a valid Hong Kong identity card.
Am I able to purchase SmartTraveller Plus for the children of my friends or relatives? Is it possible for a child to be covered by SmartTraveller Plus if they are not traveling with their parent or legal guardian?
Certainly, you can purchase the SmartTraveller Plus single journey plan for the children of your friends or relatives. However, please note that the full premium will be charged to the children if their parent or legal guardian is not insured under the same policy. Additionally, children under the age of 12 must be accompanied by an adult in order to be covered by SmartTraveller Plus.
Am I covered by SmartTraveller Plus when participating in sports activities while traveling overseas?
Yes, SmartTraveller Plus provides coverage for accidental death or injury that you may suffer while participating in non-professional sports activities abroad. Most sports are covered, including:
- Water sports: snorkeling, water skiing, banana boat ride, jet-boating, scuba diving
- Aviation and related sports: riding on hot-air balloon or helicopter as a fare-paying passenger, zip-lining (aerial runway), zip-riding, bungee jumping, sky diving (parachuting), paragliding, parasailing
- Winter sports: ice skating, tobogganing, sledging, snow tube sliding, dog sledding, snow rafting, skiing, snowboarding
- Racing on foot: amateur marathon
Is participation in a sport competition abroad covered by SmartTraveller Plus?
Participation in sport competitions is covered, unless you are:
1. engaging in sports or games in a professional capacity; or
2. racing, that is speed competition involving traversing a distance including but not limited to car racing, motor rallies, horse-racing, and competitions of swimming, sailing, wind-surfing, bicycling, skiing, triathlon and so forth; however, racing on foot such as running or walking is not excluded.
Are electronic gadgets such as laptop computers, mobile phones, and tablet computers covered by SmartTraveller Plus?
Yes, SmartTraveller Plus provides coverage for electronic gadgets including mobile phones, laptops, tablet computers, headphones, smartwatches, cameras, etc., in the event of accidental loss or damage during your journey.
The Premier Plan provides coverage for up to one unit of laptop; whereas the Privilege Plan includes coverage for up to one unit of laptop or tablet or mobile phone. The specific coverages offered by different plans vary and are subject to different sub-limits and excess. For details, please refer to the benefit table.
What are the respective maximum durations per journey for the single journey plan and the annual cover plan under SmartTraveller Plus ?
Under the single journey plan, SmartTraveller Plus can cover trips lasting up to 360 days. For frequent travelers, our annual plan provides coverage for up to 90 days per trip, with an unlimited number of trips allowed within the policy year of 365 days.
If I rent a car and drive overseas, are there any relevant coverages provided by SmartTraveller Plus?
You can travel with confidence with SmartTraveller Plus, as we provide coverage for the excess under your rental car motor insurance in the event of theft, accident, or damage while parked. Additionally, we cover the expense of returning your car to the nearest rental station if you are hospitalised.
If I have a chronic disease and require immediate medical treatment or evacuation during my journey, will SmartTraveller Plus cover me?
SmartTraveller Plus does not provide coverage for medical or related expenses resulting from pre-existing medical conditions prior to the trip departure date. This includes pre-existing illnesses or diseases, chronic conditions such as hypertension, heart disease, diabetes, cancer, arthritis, asthma, stroke, kidney disease, back pain, hereditary diseases, epilepsy, and depression.
Even though these expenses are not covered, the insured person can still reach out to our 24-hour Overseas Emergency Assistance Hotline for help. The hotline will assist in arranging doctor visits, hospital services, evacuations, or transportation wherever possible, with the insured person being responsible for all associated costs.
Does SmartTraveller Plus provide coverage if I am unable to attend a prepaid event, such as a Premier League game, due to traffic congestion?
It varies. If the public transport you have arranged for the game is delayed by at least 6 hours from the scheduled arrival time due to adverse weather conditions, natural disasters, riots, civil commotion, hijacking, or terrorism, then we will refund the non-refundable deposits or charges you've already paid for the event.
How does SmartTraveller Plus cover me if I have language barriers at hospital or police station while travelling overseas?
SmartTraveller Plus will cover the necessary costs incurred during your journey overseas for:
- appointing a translator/interpreter in overseas hospitals if you are being hospitalised for more than 24 hours, as covered in the Medical and Related Expenses section; and
- overseas interpreter service in case you encounter emergency issues and need to communicate with the police, customs, or other local governmental organisations, as covered in the Overseas Interpreter Service section
What services are offered through the virtual medical consultation, and how can I access and utilize them?
Under SmartTraveller Plus annual cover, you can benefit from two complimentary virtual doctor consultations per policy year via MyDoc Health Passport when you are traveling to specific cities in Japan, Singapore, Thailand, Vietnam, and the Philippines. Additionally, you have the option to have prescribed medication and get them delivered to your door by paying the fee upfront, which may be reimbursed later under the Medical and Related Expenses section of your policy if eligible. The user guide and activation code for the MyDoc Health Passport will be printed on your policy schedule. For details, please refer to your policy schedule.
If I go on a cruise trip, will SmartTraveller Plus provide coverage for me?
Yes, it is covered by opting for the optional Enhanced Cruise Benefit, you can receive additional protections as outlined below:
Before boarding
Failure to catch the cruise ship due to a public common carrier delay of 6 hours or more:
- Rejoining the cruise at the next scheduled port – covering additional costs of one economy class one-way travel ticket, OR
- Cancellation of the cruise - covering the forfeited cruise fees
After boarding
- Curtailment of cruise – covering the irrecoverable prepaid cost of the booked itinerary or additional expenses for transportation or accommodation
- Shore excursion cancellation/ curtailment allowance – a lump sum allowance
- Failure to board cruise ship after shore excursion due to serious traffic accident or injury – covering additional transportation or accommodation expenses
- Cruise hijack or kidnap – daily cash allowance
- Satellite phone call on a cruise due to serious sickness or injury which discontinues the cruise trip
Is it possible for me to purchase SmartTraveller Plus for my family, friends, or relatives, even if I am not traveling with them? And what is the process for making a claim in such case?
Certainly. With SmartTraveller Plus, you can cover up to 20 people in a single application under our single journey plan, even if you are not traveling together with them.
In the event of a claim, each insured adult, considered a policyholder, should personally initiate the process. For an insured child, the adult registered as a parent or guardian at the time of the application should submit the claim on behalf of the child, and any benefits payable will be disbursed to that registered parent or legal guardian.
Information on this webpage is for reference only, and not intended to be a complete description of the applicable terms and conditions. Please refer to our Product Brochure for a summary of benefits and major exclusions. You may also read the Policy Wording to understand the terms and conditions of all the benefits and exclusions.
In the event of any inconsistency between the English version and the Chinese version, the English version shall prevail.
All amounts are in Hong Kong Dollars.
^Levy collected by the Insurance Authority has been imposed on this policy at the applicable rate. For further information, please visit www.axa.com.hk/ia-levy or contact AXA at (852) 2523 3061.
Please check here for the Terms of Use, Declaration, Personal Information Collection Statement and Privacy Policy Statement of this online application.
SmartTraveller Plus is underwritten by AXA General Insurance Hong Kong Limited (the Company), which is authorised and regulated by the Insurance Authority of the Hong Kong SAR.
AXA General Insurance Hong Kong Limited (i.e. the merchant) is located in Hong Kong.
Email: axa.direct.gi@axa.com.hk Customer Service Hotline: (852) 2523 3061
Address: 5/F, AXA Southside, 38 Wong Chuk Hang Road, Wong Chuk Hang, Hong Kong.
Business Hour: 9:00am to 5:30pm Monday to Friday, except public holidays.
