Hong Kong Travel Insurance Plans

In this article:

• Hong Kong Travel Insurance Plans
• Hong Kong Travel Tips and Safety Information
• Other Hong Kong FAQs

Travelers do not need a travel insurance plan to gain entry to Hong Kong. However, you may find the benefits and coverages of a travel insurance plan are more than worth it for a few reasons. One reason is many U.S. healthcare plans may not provide international coverage, so you may be stuck paying certain medical expenses out of pocket. With a comprehensive travel insurance plan, you can also get coverage for lost or stolen baggage, which can be crucial since shopping in Hong Kong is a big draw for tourists.

Travel to Hong Kong can be expensive – from the flight and lodging to the cost of meals and outings – but it’s truly a once-in-a-lifetime trip. Our Deluxe Plan is the best option for your trip to Hong Kong since it has the highest benefit limits and certain optional upgrades like the Baggage Bundle and Medical Bundle are already included in the Deluxe plan, which can relieve the mental load of deciding what other coverages you may need. Finally, all Travel Guard plans give you access to our emergency assistance service team, who is available to help 24/7 so you don’t have to handle the unexpected alone. 

In general, a travel insurance plan is usually priced between 5-7% of your total trip cost. Other factors like the plan you select, length of your trip and the number of people in your travel party can affect the total cost of your trip. To learn more about how travel insurance is priced, read our article on how much travel insurance costs.

To help travelers visiting Hong Kong, we’ve gathered the answers to some of the most popular questions asked by tourists.

The official currency of Hong Kong is the Hong Kong Dollar (HKD). Since credit and debit cards are widely accepted, you won’t need to worry about exchanging currency for your trip. If you want to carry cash, you can exchange currency at your local bank before departure, at a currency kiosk in the airport or at a bank or ATM in the city. Finally, remember to inform your bank of your travels so you don’t lose access to your finances during your trip.

Hong Kong has two official languages: Chinese and English. This means that you can find English speakers throughout the city without having to worry too much about translation issues. Street signs are also posted in both English and Chinese so navigating your way around the area is relatively easy. Still, it’s best practice to learn some common sayings, phrases and questions along with using a translation app that works without internet.

Travelers visiting Hong Kong for less than 90 days do not need to apply for a visa. You will, however, need a passport which is valid for one month after your departure and has one blank page for your entry stamp.

The U.S. Consulate is located in central Hong Kong. You can find the latest address and phone number directly from the U.S. Department of State website.

Instead of the four seasons you may be used to, Hong Kong only has a wet and a dry season. The wet, or rainy, season lasts from April to September with the month of June seeing the most rainfall. During these months, temperatures can get as high as 89°F. During the dry season, rainfall is still likely to occur, just less frequently. December tends to be the month with the least rainfall, and January has the coolest temperatures with average lows around 58°F.

Hong Kong is a bustling city year-round so the best time of year may depend on what you hope to experience. If you want to join in on the world-famous Lunar New Year festivals that take place in Hong Kong, consider visiting in January or February. The exact date of Lunar New Year changes depending on the lunar calendar, so be sure to double check dates before you book. For the best weather, consider visiting between October and December for cool temperatures and less rainfall.

The dial code for Hong Kong is +852 and is used to reach cellphones and landlines in the region. To reach a U.S. contact from Hong Kong, use the exit code of +001 then entry code of +1 before entering the 10-digit number you’re trying to reach. Remember to inform your cell provider of your plans to avoid fees and service interruptions.

Hong Kong uses different voltage frequencies and wall outlets than the U.S., which means you’ll need a transformer and outlet adapter to use your electronics. We recommend a universal adapter that can be used again for other trips in the future.

Millions of travelers come to Hong Kong for different experiences like shopping at the Temple Street Night Market or the Yau Ma Tei Jade Bazaar. Or, if you’d rather learn about the culture in Hong Kong, you can visit the Hong Kong Museum of History, the Heritage Museum or the Museum of Art. For a more hands on experience, you might consider visiting a theme park like Hong Kong Disneyland or Ocean Park.

Travel to Hong Kong can be costly, especially if you plan to enjoy the vendors that the street markets have to offer. Still, it’s possible to cut back on costs by enjoying low priced or free activities like visiting the Tian Tan Buddha monument or taking a breath-taking hike along Dragon’s Back trail.

Travelers visiting Hong Kong can enjoy public transportation to easily get around the area. You will have access to taxis, ferries, buses and trains to help you navigate around Hong Kong.

Travel Guard travel insurance offers comprehensive and customizable plans for travelers visiting Hong Kong. With excellent coverage and specialized emergency travel assistance representatives ready to help you at any time, Travel Guard is there for you. Compare our popular plans and find the best one for you!

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