PRUChoice Travel Insurance

PRUChoice Travel policyholders must be 18 years of age or above. As for the insured, there is no upper age limit for single-trip/one way cover; while for annual cover, the maximum insured age can be 80 years old.

When selecting travel insurance for a family, key considerations include coverage for children and whether the coverage is applicable when the child travels alone. PRUChoice Travel Insurance provides same coverage for children and parents, and annual cover would be applicable for the child travels alone.

General travel insurance plans usually do not cover specific risk for cruise travel such as shore excursion curtailments, onboard emergency communication costs, etc.

In addition to the coverage provided by general travel insurance, PRUChoice Cruise Travel insurance provides multiple protection for specific cruise risks. These include port cancellation allowances, missed boarding due to transit delays, shore excursion curtailments, and onboard emergency communication costs (such as satellite phone call).

Baggage loss claims should be reported to the local police within 24 hours. For baggage loss or damage whilst in the custody of an airline or other carrier, should report to the authority within 24 hours.

Compare medical expenses, personal accident coverage (including water activities like snorklling), luggage theft, trip cancellation (due to political unrest or natural disasters like earthquakes), and coverage for popular activities (elephant riding or Muay Thai experiences).

Key points include winter sports (e.g. skiing), trip interruptions due to natural disasters like earthquakes, high medical expenses, and baggage delay. PRUChoice Travel Insurance specifically covers skiing and diving within 45 meters.

Should consider the medical coverage to cater for the high medical costs , emergency evacuation, 24-hour support, trip cancellation/delay, baggage loss/delay, personal belongings (including electronics/cash theft), coverage for high-risk activities (e.g., skiing or mountain climbing), age limits, natural disaster coverage, deductibles, and premium affordability based on the duration of your travel journey.

Generally speaking, hospital admission deposit is required for hospital admission in Chinese Mainland, PRUChoice Travel Insurance annual plan holders using MedPass cards are exempted from hospitalization deposits at designated hospitals.

COVID-19 coverage includes medical treatment and qualifying trip cancellations under PRUChoice Travel Insurance, excluding claims for infections diagnosed within 3 days after the certificate of insurance is issued.

PRUChoice Travel covers recreational skiing accidents, excluding professional competitions.

Two consecutive claim-free years earn 20% renewal discounts on PRUChoice Travel Insurance annual plans. First-year claim-free status provides 10% discount on renewal.

No. All travel policy must be applied for and issued before the insured person leaves Hong Kong. Applications made after departure will not be accepted.

This plan is specially designed for short trips to destinations within the Greater Bay Area, including Macau, Guangzhou, Shenzhen, Zhuhai, Foshan, Huizhou, Dongguan, Zhongshan, Jiangmen and Zhaoqing, but excluding Hong Kong. If you are travelling beyond the Greater Bay Area, you may also choose PRUChoice Travel to enjoy more comprehensive protection for your worldwide journeys and explore with peace of mind.

PRUChoice Travel Lite is designed for 1 to 3 days short trips within the Greater Bay Area, offering essential protection such as medical support, personal accident, loss of travel documents and event compensation, so you can travel with confidence at an affordable premium.

PRUChoice Travel (Single Trip), on the other hand, covers worldwide journeys of up to 180 days and includes protection for trip interruption, personal belongings and unauthorised use of credit cards, offering a more comprehensive travel protection solution.

Yes. PRUChoice Travel Lite has no maximum age limit, allowing the whole family, including elderly travellers, to enjoy their Greater Bay Area journey with peace of mind. Also, all insured persons – including children, adults and elderly travellers – enjoy the same sum insured for medical support and personal accident protection, ensuring consistent and caring protection for every traveller.

Only the cost of medication prescribed by a doctor is reimbursable. Non-prescribed medication is not covered under this plan. To claim for “Follow-up Medical Expenses”, the insured person must have first consulted a doctor during the trip for the same injury or sickness, in order to be eligible for follow-up medical expenses coverage.