Travel

Enjoy up to 500 Clubpoints (for redemption to Club Shopping e-Cash Voucher valued up to HK$100*) for successful application for your travel protection with us. What’s more, you can enjoy “No-reason-asked” 100% premium refund free cancellation benefit.

*Based on The Club’s / Club Shopping’s Rewards redemption rate on 23 July, 2021 and subject to change without prior notice. Terms and conditions apply.

Benefit Highlights
Worldwide Support

Worldwide Support

When things go wrong, it's important to have the right support. International SOS - whose affiliates span over 1,000 locations across the globe to assist you 24/7.
Amateur Sports Cover

Amateur Sports Cover

TravelCare covers amateur sports activities while on holidays, from bungee jumping, scuba diving to even winter sports. If you consider yourself spontaneous, we are a perfect match!
#  “No-reason-asked” FREE Cancellation

# “No-reason-asked” FREE Cancellation

You can cancel any issued single trip policy of travel days not exceeding 14 days for no reason at all. Simply call us at 183 3018 or email via enquiry@ins.theclub.com.hk 2 full working days* prior to the departure date of the covered trip, cancellation is done and premium will be 100% refunded.
*Cancellation notice must be submitted at least 2 days prior to policy commencement date (prior to HKT 23:59 each day)
Coverage
Maximum Limits (HK$)
Plan A
Annual
Plan B
Annual
** Please log in or sign up as a member of The Club to continue application.

*Premium does not include insurance levy collected by the Insurance Authority. For further information, please contact Club Insurance Customer Service Hotline at 183 3018 or visit www.fwd.com.hk/en/insurance-levy.

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Major Exclusions
  1. War (whether declared or not), civil war, act of foreign enemies, rebellion, military or usurped power.
  2. Nuclear hazards.
  3. Acts of Terrorism (Except arising from the Personal Accident, Medical Cover, Worldwide Emergency Services, Travel Delay, Cancellation Charges and Trip Curtailment as a result of Acts of Terrorism are covered by TravelCare).
  4. Pre-existing condition, congenital and hereditary condition.
  5. Suicide, attempted suicide or intentional self-inflicted bodily injuries, insanity, abortion, miscarriage, assigned complications, pregnancy, child-birth, venereal diseases, the use of alcohol or drugs other than those prescribed by a qualified registered physician, dental treatment (unless resulting from accidental bodily injury to sound and natural teeth).
  6. Any kind of Racing (including as a passenger or other occupant), other than on foot races and sports competition or any sports or games in a professional capacity or where the Insured Person would or could earn income or remuneration from engaging in such sports.
  7. Any activities in the air unless an insured person is (i) travelling as a fare paying passenger in a licensed aircraft operated by a recognised airline, or (ii) participating in an activity of which the maneuver or navigation is managed and controlled by another licensed person and the provider of such activity must be authorised by the relevant local authority.
  8. Losses which are not reported within 24 hours to the authorities (such as airlines, police) and failure to provide the report certi­ed by the relevant authorities.
  9. Pager, handheld portable telecommunication equipment, computer equipment (except Lap Top Computer and loss of mobile phone).
  10. Any illegal or unlawful act.
  11. Any dwelling quarantine.

The above information is provided by FWD General Insurance Company Limited (“FWD GI”) for reference only and does not constitute any part of the insurance contract. For the full terms and conditions and exclusions, please refer to the policy document (including the product brochure and policy provisions) which shall prevail in case of inconsistency. In the event of any discrepancies between the English and Chinese versions of the above information and terms, the English version shall prevail.

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Remarks
  1. Age Limit
    Individual - Refers to the Insured Person aged between 18 and 85 (70 for Annual Cover)
    Children - Refers to dependent & unmarried children who is/are 6 weeks to 17 years of age travelling with the Insured Person during the entire journey
    Individual & Children - Refers to Insured Person and his/her children defined above with no limit on number of children
    Family - Refers to the Insured Person and his/her spouse and children as defined above with no limit on number of children
  2. Children under age of 18 must be accompanied by an adult who is also insured under the same insurance policy.
  3. In the event of the death of an Insured Person, the beneficiary shall be that person’s estate according to the laws of Hong Kong.
  4. This Insurance is only valid for travel originating from and returning to Hong Kong.
  5. The maximum duration of journey is 180 days for single trip cover and 90 days for annual cover.
  6. Except for annual cover and single trip plan within 14 days, no refund of premium is allowed once the insurance certificate has been issued. Please refer to the Policy Provision for details.
  7. The Applicant and Insured Person(s) must be a Hong Kong ID cardholder.
  8. Departure date must within 90 days after policy effective date.
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Disclaimer
  1. The features above are indicative only and are provided by FWD General Insurance Company Limited (“FWD GI”). For the full terms and conditions, benefits of the policy, key product risk and major exclusions of the policy, please refer to the respective policy documents (including the product brochure and policy provisions) which shall prevail in case of inconsistency. You should not purchase the insurance products solely based on the above information. For details, please contact Club Insurance Customer Services Hotline at 183 3018 or refer to related product brochure and policy provisions.
  2. The above insurance products are underwritten by FWD GI which reserves the final right of approval and decision of all matters relating to the insurance products.
  3. Club HKT Limited (“Club HKT”) is an appointed licensed insurance agency of FWD GI (Licensed Insurance Agency Licence No.: FA3548) and its role is limited to distributing and arranging insurance products of FWD GI.
  4. Please read carefully the Product Brochure, Policy Provisions and Important Notes before purchasing the insurance products.
  5. In the event of any discrepancies between the English and Chinese versions of the above information and terms, the English version shall prevail.
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Important Notes
  • The insurance plan is underwritten by FWD General Insurance Company Limited (“FWD GI”). Club Insurance is a service brand operated by Club HKT Limited (“Club HKT”), a wholly owned subsidiary of HKT Limited (HKT Limited is a company incorporated in the Cayman Islands with limited liability). Club HKT, being registered with the Insurance Authority of Hong Kong (“IA”) as a licensed insurance agency (Licensed Insurance Agency Licence No.: FA3548), acts as an appointed licensed insurance agency for FWD GI to distribute and arrange a wide range of insurance products and services.
  • The product information is provided by FWD GI. The product information gives only an outline of the terms and conditions of the insurance cover and does not contain full terms and exclusions of the insurance policy. Any information given herein is subject to the full terms and conditions which can be found in the policy documents (including the product brochure) which shall prevail in case of inconsistency.
  • Please read the related product brochure, policy provisions, Personal Information Collection Statement of FWD GI and Personal Information Collection Statement of Club HKT before purchasing the insurance product. For enquiries relating to the insurance product, please contact Club Insurance Customer Service Hotline at 183 3018.
  • The premiums of the insurance product will be payable to FWD GI (or through Club HKT in respect of online applications made on Club Insurance’s website), and Club HKT will receive commission from FWD GI for acting as an appointed licensed insurance agency for FWD GI.
  • The insurance products referred to in this website are intended to be offered in Hong Kong only. The information on this website are not intended to be use by persons located in or resident outside of Hong Kong. The information on this website shall not be construed as an offer to sell or a solicitation of an offer or recommendation to purchase or sale or provision of any insurance products by FWD GI or Club HKT outside Hong Kong. All selling and application procedures must be conducted and completed in Hong Kong.
  • Under the Insurance Ordinance (Cap. 41), the IA has started to collect the levy on insurance premiums from policyholders through insurance companies from January 1, 2018. For more details, please refer to the IA’s official website at ia.org.hk/en/levy.
  • Club HKT's role is limited to the distribution and arrangement of the insurance products of FWD GI only and Club HKT shall not be responsible for any matters in relation to the provision of the insurance products.
  • Insurance products are products and obligations of FWD GI and not of Club HKT.
  • Any dispute over the contractual terms of insurance products should be resolved directly between you and FWD GI.
  • All insurance applications are subject to FWD GI’s underwriting and acceptance.
  • FWD GI is solely responsible for all approvals, coverage, compensations and account maintenance in connection with its insurance products.
  • Club HKT will not render you any legal, accounting or tax advice. You are advised to check with your own professional advisor for advice relevant to your circumstances.
  • You are reminded to carefully review the relevant product materials provided to you and seek independent advice if necessary.
  • In case of any inconsistency between the English and Chinese versions, the English version shall prevail.