Guide to Secure your Trip| Why Purchasing Travel Insurance is Essential? The 4 Ultimate Reasons You Can't Ignore!

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Whether you are traveling for leisure, watching your favourite star’s concert, work, or visiting family, it's become the norm for Hong Kong people to escape the city on holidays. Alongside budgeting for flights and accommodation, has purchasing travel insurance become one of your must-do items before jetting off? Accidents can happen anytime; and if it does occur to you during your trip, travel insurance can be a lifesaver in covering the financial loss.

Why Purchase Travel Insurance?

If you encounter losses like lost belongings, travel delays, even illness or accidents that lead to injuries or illness, travel insurance has got your and your family’s back! With travel protection, you can handle unexpected situations with peace of mind and reduce the relevant losses.

4 Key Things to Keep in Mind Before Purchasing Insurance

●     Travel Alert Coverage

Before you leave the city, it's crucial to stay informed and be aware of the local situation. Most travel insurance policies include "Travel Alert Coverage." Under the policy, if the government has issued a red or black outbound travel alert for your destination, a claim may be filed for your loss arising from the leading cancellation or shortened trip according to the coverage outlined in your policy. The insurance company will compensate you according to different levels of travel alerts.

●     High-Risk Activities

If your travel plan includes high-risk activities like hot air ballooning, scuba-diving, or skiing, ensure your purchased travel insurance is providing coverage for your events.

●     Age Limit for Coverage

When traveling with family with young children or elders, policyholders should review the exact coverage terms their purchased travel insurance. Some policies may apply age limit or lower the sum insured for junior or senior insured persons.

●     Emergency Assistance Service

When traveling abroad, it is crucial to have access to immediate and appropriate assistance in case of an accident in an unfamiliar destination. If your travel insurance includes emergency assistance service, their professional team is always here to help you with different situations, from medical assistance, lost travel documents and more.

Chubb Travel Insurance ensures adequate management for accidents in your journey. It is an investment for yourself and gesture to show caring for your family, friends, and travel companions, allowing you to enjoy your trip with greater peace of mind.

Note: The information provided is for reference only. All coverage, exclusions, terms, and conditions are subject to the provisions outlined in the policy. For more details about travel coverage from Chubb Insurance Hong Kong Limited, please click here to learn more.