Why should you choose Breezy Travel?
Six optional benefits1 to meet your specific travel needs
If you are renting a car for a self-drive holiday, you can purchase the following optional benefits:
- Additional HKD 200,000 personal accident protection
- Up to HKD 15,000 rental vehicle excess coverage
- Cover for your emergency roadside assistance cost, towing fees and administration fees for processing the damage claims
- Cover for the relocation cost charged by the car rental company if you are unable to return the rental vehicle to the designated place stated on the rental agreement due to interruption of the trip
If you will arrange and pay for an overseas event before your trip begins, you can purchase the following optional benefits:
- Cover prepaid and unused event admission tickets or costs if your trip is interrupted after your departure
- Additional HKD 5,000 coverage for accidental loss or damage to cameras, camcorders and related accessories and equipment, on top of the basic personal belongings coverage
- Venue closure allowance in case the venue of the event is closed on the day of your visit due to terrorism, riots or civil commotions, infectious diseases, strikes and other industrial actions, natural disasters and adverse weather conditions
If you are participating in amateur sports activities during the trip, you can purchase the following optional benefits:
- Up to HKD 5,000 reimbursement limit for your prepaid and unused costs for the sports activity in case your trip is interrupted and you are unable to attend the sports activity
- Up to HKD 5,000 coverage for the accidental loss or damage of sports equipment
- Up to HKD 50,000 cardiac arrest or coma allowance
- Up to HKD 5,000 exertional heat stroke allowance
If you are joining a cruise trip, you can purchase the following optional benefits:
- Up to HKD 10,000 reimbursement limit for your travel ticket to travel to the next scheduled port of call specified in the original itinerary and accommodation expenses in case you leave the cruise ship for shore excursion and missed boarding on ports of call due to certain events
- Up to HKD 10,000 shore excursion cancellation allowance (HKD 2,000 per excursion)
- Up to HKD 500 visa fee reimbursement limit, helping you to pay for the additional visa fee due to unexpected change of route of the cruise trip and port location by the cruise company
If you are going to attend a short-term study course, doing an internship or going on exchange abroad for less than one month, you can purchase the following optional benefits:
- Up to HKD 20,000 reimbursement limit for the prepaid and unused tuition fee in case your study trip is interrupted
- Additional HKD 200,000 personal accident protection limit
- Additional HKD 5,000 coverage for the accidental loss or damage of your laptop and tablet
If your exchange program or study course is longer than one month, you can opt for StudySmart+ Overseas Student Insurance Plan.
If you will arrange and pay for a pre-wedding photo shooting or wedding before commencement of your trip, you can purchase the following optional benefits:
- Up to HKD 20,000 reimbursement limit for the prepaid and unused pre-wedding photo package or wedding package in case of trip cancellation
- Up to HKD 10,000 coverage for the loss or damage of wedding ring, wedding attire and accessories
- Up to HKD 5,000 reimbursement limit for additional travel ticket and accommodation expenses for travelling to another photo shooting venue if the venue needs to be changed on the day of the scheduled photo shooting because of adverse weather
We want to make your trip as hassle-free as possible
Pre-trip
- Offer up to HKD 1,500,0004 personal accident coverage within three hours of your original departure time when you are heading to the airport
- Travel delay allowance covers air traffic control, operation reason, etc. If the flight departure is delayed for more than five hours, you can receive a travel delay allowance2 of up to HKD 1,6004 .
- Provide up to HKD 50,0004 trip cancellation coverage2
During the trip
- Provide up to HKD 1,500,0004 medical coverage (including Chinese medicine or chiropractic treatment) and personal accident coverage respectively
- Offer up to HKD 25,0004 personal property coverage
- Offer up to HKD 50,0004 trip cancellation and interruption coverage
- Provide up to HKD 3,000,0004 personal liability coverage
- 24-hour Zurich Emergency Assistance: benefits include free access to travel advice, medical and legal referral service
- Zurich Care Protection3
After the trip
- Offer up to HKD 1,500,0004 personal accident coverage within three hours from your arrival time from the airport to your place of residence
- Cover follow-up medical expenses within three months from returning to Hong Kong (subject to expenses directly caused by injury or illness that you have received treatment for during the insured journey)
- We also provide coverage2 for damage to your suitcase upon arrival in Hong Kong after the trip
Helping you to reduce the carbon footprint of your travel journey
- Offset the carbon emissions of your scheduled flight by supporting renewable energy program
- Increase the benefit limit under rental vehicle excess by 20% if your rental car is an electric vehicle
- Offer referral service for electronics/gadgets recycling, customers can contact us to get the list of recycling service providers
Frequently asked questions (FAQ)
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Is there any age limit for the insured person?There is no age limit for the single trip travel plan, and the annual travel plan accepts applications up to age 75.
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How to choose between the plan levels?
In addition to your personal budget, it is important to assess your actual needs for travel protection. For example, if you are applying for the single trip travel plan, the Breezy Travel Prime Plan provides some specific coverages, such as home protection, pet protection, child & elderly protection and missed event protection. The maximum benefits for different benefits are also higher than other plan levels.
Besides, only the Core Plan and Prime Plan of Single Trip Travel Plan allow you to enhance your protections by adding optional benefits for specific travel purposes.
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I am planning to travel to a few countries. Can “Breezy Travel” protect my trip?Both “Breezy Travel” single trip travel plan and annual travel plan will provide you with the coverage no matter how many countries you visit during your journey, but you must declare your travel destinations during the application. If you have enrolled for annual travel plan, each trip must depart and return to Hong Kong, and the maximum duration of coverage for each trip is 90 days. It will recalculate if you return to Hong Kong and set off again (immigration procedures is required). If you have enrolled for the single trip travel plan, all trips must depart from and return to Hong Kong, and the maximum duration of coverage is 180 days.
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What sports activities are covered in the Amateur sports optional benefit of “Breezy Travel”?
Amateur sports mean you are participating in such sport activities for pleasure or as a hobby rather than for financial benefit or as a job, and you will not receive any payment or monetary prize from such sports activities.
Under “Breezy Travel” basic coverage, it provides coverage for popular tourist activities such as winter sports, hot air ballooning, scuba diving, water skiing, rafting, sailing, parachuting accompanied by professionals, sling jumping and horse riding, etc. If you purchase the Amateur sports optional benefit, it will extend the coverage to the loss when participating in sports activities such as overseas marathons and bike tours.
However, please note that activities such as motor racing, self-driving flights, engaging in a sport in a professional capacity, any activities where you could earn income or remuneration, trekking at an altitude greater than 5,000 meters above sea level, or diving to a depth greater than 40 meters below sea level, activities involve a high level of expertise, exceptional physical exertion, exposure in an extreme environment, or use of specialized gear or equipment, are not covered by the insurance.
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I accidentally fell in my hotel lobby, not only was I hurt in the head but also pushed down the hotel properties. Am I protected by “Breezy Travel”?If you have an accident in public areas, such as falling in the hotel lobby and damaging the hotel properties, we can compensate you for your actual medical expenses and compensation cost for the damaged hotel items according to the personal liability coverage in Core and Prime Plan.
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What electronic devices are covered in “Breezy Travel”?
If you apply for the “Breezy Travel” Core and Prime Plan, your personal devices, such as laptop computer, tablet, camera drones, camcorder and related accessories and equipment will be covered according to the personal belongings sub-limits. However, the maximum benefits under Prime Plan will be higher, and we would extend the coverage to your mobile phone (if you accidentally lost or damaged it in your journey).
Besides, you can enhance the protection limit of electronic devices by adding optional benefits. Under the Short-term overseas study exchange optional benefit, you will get an additional HKD 5,000 coverage for the accidental loss or damage of your laptop and tablet; and from the overseas event optional benefit, you will get an additional HKD 5,000 coverage for accidental loss or damage to cameras, camcorders and related accessories and equipment.
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I had a slight collision with another vehicle when I was driving the rental vehicle during my trip, can I submit a claim for the loss?If you have applied for Breezy Travel Single Trip Travel Plan and added on Road trip optional benefit, with motor insurance from the rental company when you rent the vehicle, and there are deductible amounts and non-operating charges provided in the terms and conditions, “Breezy Travel” will cover the related fees. If you are injured in an accident, you can claim the personal accident benefits and medical expenses sections. However, as the rental vehicle was controlled by you during the accident, you will not be covered for any personal liability loss.
Learn more
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Table of Benefits
Section Benefits Maximum benefits per insured person per insured journey (HKD) Prime Plan Core Plan Easy Plan 1 Medical and Accident Cover
(a) Medical Expenses 1,500,000 800,000 500,000 Including: • follow-up for injury
100%
100%
100%
• follow-up for illness 10% 10% 10% • Chinese medicine or chiropractic treatment
(Both treatment in overseas and follow-up in Hong Kong)3,000 2,000 2,000 • Overseas travelling expense for seeking medical treatment 300 300 300 (b) Compassionate death cash 30,000 30,000 30,000 (c) Overseas hospital daily cash benefit 10,000
(500 per day)5,000
(300 per day)5,000
(300 per day)(d) Daily cash allowance due to unexpected compulsory quarantine
10,000
(500 per day)5,000
(300 per day)5,000
(300 per day)(e) Personal accident
1,500,000 800,000 500,000 (f) Burns accident
300,000 200,000 100,000 Section Benefits Maximum benefits per insured person per insured journey (HKD) Prime Plan Core Plan Easy Plan 2 Zurich Emergency Assistance
(a) Deposit guarantee for hospital admission 39,000 (b) Emergency medical evacuation Actual cost Actual cost 200,000 (c) Repatriation of mortal remains Actual cost
Actual cost
200,000
(d) Compassionate visit
1 economy class round-trip travel ticket and hotel accommodation expenses up to 700 per day
(max. 5 days)(e) Travelling and accommodation expenses
1 economy class one-way travel ticket and hotel accommodation expenses up to 1,950 per day
(max. 4 days)(f) Return of unattended children
1 economy class one-way travel ticket up to 30,000 (g) 24-hour telephone hotline and referral services Included
Section Benefits Maximum benefits per insured person per insured journey (HKD) Prime Plan Core Plan Easy Plan 3 Personal Property Cover N/A
(a) Personal belongings 25,000 15,000 Including sub-limits: • per set/item/pair
3,000
2,000
• mobile phone (one per insured journey) 2,500 N/A • all camera drones, cameras and camcorders and related accessories and equipment
5,000 3,000 N/A • lap-top computer and tablet computer 5,000 3,000 (b) Loss of personal money 3,000 2,000 (c) Replacement cost for loss of travel document or travel ticket 3,000 2,000
Section Benefits Maximum benefits per insured person per insured journey (HKD) Prime Plan Core Plan Easy Plan 4 Journey Inconvenience and Delay Cover N/A
(a) Cancellation of trip 50,000 25,000 (b) Interruption of trip 50,000 25,000 (c) Travel delay allowance (cover is not limited to specify event)* 1,600 1,200
• each 5 hours of delay (up to 10 hours) 300 200 N/A • the next full 12 hours of delay
1,000 800 (d) Baggage delay allowance (over 6 hours)
1,000
500
(e) Hotel cost due to travel delay (over 6 hours)
3,000 2,000 Section Benefits Maximum benefits per insured person per insured journey (HKD) Prime Plan Core Plan Easy Plan 5 Liability Cover
(a) Personal liability 3,000,000 1,500,000 N/A Section Benefits Maximum benefits per insured person per insured journey (HKD) Prime Plan Core Plan Easy Plan 6 Zurich Care Protection (Applicable to Single Trip Travel Plan only)
(a) Home protection 5,000 N/A N/A (b) Pet protection 5,000 (c) Child & elderly protection 5,000 N/A N/A (d) Missed event protection 5,000
Section Benefits Maximum benefits per insured person per insured journey (HKD) Prime Plan Core Plan Easy Plan 7 Road Trip Cover (Optional cover)
(a) Additional personal accident cover 200,000
200,000 N/A
(b) Rental vehicle excess 15,000 15,000 (c) Emergency roadside assistance 5,000 5,000 N/A (d) Relocation cost for return vehicle
2,000 2,000 Section Benefits Maximum benefits per insured person per insured journey (HKD) Prime Plan Core Plan Easy Plan 8 Pre-wedding Photo Trip and Overseas Wedding Cover (Optional cover)
(a) Cancellation of pre-wedding photo package and overseas wedding package 20,000 20,000 N/A (b) Loss of wedding ring, wedding attire and accessories 10,000 10,000 (c) Change of photo shooting venue 5,000
5,000
Section Benefits Maximum benefits per insured person per insured journey (HKD) Prime Plan Core Plan Easy Plan 9 Overseas Event Cover (Optional cover)
(a) Interruption of overseas event 5000 5,000 N/A (b) Additional cover for cameras and camcorders and accessories 5000 5000 (c) Venue closure allowance 300
300
Section Benefits Maximum benefits per insured person per insured journey (HKD) Prime Plan Core Plan Easy Plan 10 Amateur Sports Cover (Optional cover)
(a) Interruption of sports activities 5,000 5,000 N/A (b) Loss of sports equipment 5,000 5,000 (c) Cardiac arrest or coma 50,000
50,000
N/A (d) Exertional heat stroke
5,000
5,000
Section Benefits Maximum benefits per insured person per insured journey (HKD) Prime Plan Core Plan Easy Plan 11 Cruise Tour Cover (Optional cover)
(a) Missed boarding on ports-of-call 10,000 10,000 N/A (b) Shore excursion cancellation allowance 10,000
(2,000 per excursion)10,000
(2,000 per excursion)(c) Visa fee due to change of cruise port location 500
500
Section Benefits Maximum benefits per insured person per insured journey (HKD) Prime Plan Core Plan Easy Plan 12 Short-term Overseas Study Exchange Cover (Optional cover)
(a) Additional cover for personal accident 200,000 200,000 N/A (b) Additional cover for loss of laptop and tablet 5,000
5,000
(c) Interruption of tuition 20,000
20,000
* Subject to Section exclusions and all applicable conditions, exclusions and provisions in the policy -
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Remarks
1Not applicable to Breezy Travel Annual Travel Plan and Single Trip Travel Plan – Easy Plan.
2Applicable to Breezy Travel Single Trip and Annual Travel Plan – Core and Prime Plan only.
3Applicable to Breezy Travel Single Trip and Annual Travel Plan – Prime Plan only.
4The maximum benefit limits shown above are based on the Prime Plan.
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Important notice
- The insurance is not applicable to person holding the People’s Republic of China passport and travels to/within China, unless he/she has an official document issued by the overseas Government (other than China) as proof that he/she a legal resident of the respective country but travelling with a passport of the People’s Republic of China.
- For annual travel plan: all trips must depart from and return to Hong Kong. Each insured journey should not exceed 90 days. It covers up to the age of 75 with unlimited trips throughout the year, renewal is allowed up to the age of 80.
- For single trip travel plan: all trips must depart from and return to Hong Kong, and the insured journey shall not exceed 180 days.
- For one-way single trip travel plan: all trips must depart from Hong Kong, the insured journey shall cease after your check out from the immigration counter upon arrival in the first destination from Hong Kong.
- No refund of premium is allowed once the policy is issued for single trip travel plan.
- The insured should provide any valid important documents or other documentation such as vaccine certificates, medical tests/documents required by the public common carrier or relevant government authority which are needed to travel.
Zurich travel insurance is among the most reliable options for travel insurance in Hong Kong!
Our travel insurance products have received widespread acclaim and trusted by 3.9 million travelers for their choice of comprehensive protection during their journeys in the past 10 years. On top of that, our travel insurance products are recognized by multiple insurance awards in the industry.
Insurance Asia Award 2023
Travel Insurance Initiative of the Year - Hong Kong
Ming Pao Award for Excellence in Finance –
Excellent Travel Insurance Award
The Hong Kong Insurance Awards 2019
Top 3 Finalist, Most Innovative Product/Service – General Insurance
U Magazine Travel Awards 2019
U Favorite Travel Insurance (Insurance Company)
The information contained herein is for reference only and does not constitute any part of the insurance contract. For full terms and conditions and exclusions, please refer to the policy document which shall prevail in case of inconsistency. In the event of any discrepancy between the English and Chinese versions, the English version shall prevail. Zurich Insurance Company Ltd reserves the right of final approval and decision on all matters.