Online Exclusive 30% Off
Breezy Travel Insurance Plan
We offer personalized insurance options, so you can embark on your journey with extra peace of mind.
Enjoy an online exclusive 30% discount on the premium for single-trip travel plans and first-year premium for annual-trip travel plans with promo code "FLASH30". Promotion valid until June 4, 2025. Terms and conditions apply.
Why should you choose Breezy Travel?
Main features comparison of the three plan levels
| Prime Plan Most Popular |
Core Plan |
Easy Plan |
|
|---|---|---|---|
|
Section 1 Medical and Accident Cover |
1,500,000 | 800,000 | 500,000 |
|
Section 3 Personal Property Cover |
25,000 | 15,000 | |
| •all camera drones, cameras and camcorders and related accessories and equipment | 5,000 | 3,000 | |
| •lap-top computer and tablet computer | 5,000 | 3,000 | |
|
•mobile phone (one per insured journey) |
2,500 | ||
|
Section 4 Journey Inconvenience and Delay Cover |
50,000 | 25,000 | |
|
•Travel delay allowance (cover is not limited to specify event)* |
1,600 | 1,200 | |
| Six optional benefits1 |
Please refer to benefit table for full range of protection that Breezy Travel provides.
Should I enroll for Single Trip Plan or Annual Travel Plan?
Single Travel
Suitable for:
Occasional travelers; or
Single trips of longer than 90 days; or
Special travel needs: optional coverage to meet your special needs
Self-driving Tours Overseas Activities Amateur Sports Cruise Travel Short-term Overseas Studies Pre-wedding Photo Trip and Overseas Wedding Cover
Maximum coverage period per trip: 180 days
Number of trip covered: One
Annual Travel
Suitable for: Individuals who expect to take multiple trips within a year and want to save the hassle of enrolling separately for each trip
Maximum coverage period per trip: 90 days
Number of trip covered: All trips within the coverage period
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
We want to make your trip as hassle-free as possible
Pre-trip
- Offer up to HKD 1,500,0003 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 allowance1 of up to HKD 1,6003 .
- Provide up to HKD 50,0003 trip cancellation coverage*
During the trip
- Provide up to HKD 1,500,0003 medical coverage (including Chinese medicine or chiropractic treatment) and personal accident coverage respectively
- Offer up to HKD 25,0003 personal property coverage
- Offer up to HKD 50,0003 trip cancellation and interruption coverage
- Provide up to HKD 3,000,0003 personal liability coverage
- 24-hour Zurich Emergency Assistance: benefits include free access to travel advice, medical and legal referral service
- Zurich Care Protection4
After the trip
- Offer up to HKD 1,500,0003 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 coverage1 for damage to your suitcase upon arrival in Hong Kong after the trip
| Maximum benefits per insured person per insured journey (HKD) | |||
|---|---|---|---|
| Prime Plan | Core Plan | Easy Plan | |
| (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) |
5000 (300 per day) |
5000 (300 per day) |
| (e) Personal accident | 1,500,000 | 800,000 | 500,000 |
| (f) Burns accident | 300,000 | 200,000 | 100,000 |
*Subject to Section exclusions and all applicable conditions, exclusions and provisions in the policy
| Maximum benefits per insured person per insured journey (HKD) | |||
|---|---|---|---|
| Prime Plan | Core Plan | Easy Plan | |
| (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 | ||
*Subject to Section exclusions and all applicable conditions, exclusions and provisions in the policy
| Maximum benefits per insured person per insured journey (HKD) | |||
|---|---|---|---|
| Prime Plan | Core Plan | Easy Plan | |
| (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 | ||
| • all camera drones, cameras and camcorders and related accessories and equipment | 5,000 | 3,000 | |
| • 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 | |
*Subject to Section exclusions and all applicable conditions, exclusions and provisions in the policy
| Maximum benefits per insured person per insured journey (HKD) | |||
|---|---|---|---|
| Prime Plan | Core Plan | Easy Plan | |
| (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 | |
| • 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 | |
*Subject to Section exclusions and all applicable conditions, exclusions and provisions in the policy
| Maximum benefits per insured person per insured journey (HKD) | |||
|---|---|---|---|
| Prime Plan | Core Plan | Easy Plan | |
| (a) Personal liability |
3,000,000 | 1,500,000 | |
*Subject to Section exclusions and all applicable conditions, exclusions and provisions in the policy
| Maximum benefits per insured person per insured journey (HKD) | |||
|---|---|---|---|
| Prime Plan | Core Plan | Easy Plan | |
| (a) Home protection |
5,000 |
||
| (b) Pet protection | |||
| (c) Child & elderly protection | |||
| (d) Missed event protection | |||
*Subject to Section exclusions and all applicable conditions, exclusions and provisions in the policy
| Maximum benefits per insured person per insured journey (HKD) | |||
|---|---|---|---|
| Prime Plan | Core Plan | Easy Plan | |
| (a) Additional personal accident cover |
200,000 | 200,000 | |
| (b) Rental vehicle excess | 15,000 | 15,000 | |
| (c) Emergency roadside assistance | 5,000 | 5,000 | |
| (d) Relocation cost for return vehicle | 2,000 | 2,000 | |
*Subject to Section exclusions and all applicable conditions, exclusions and provisions in the policy
| Maximum benefits per insured person per insured journey (HKD) | |||
|---|---|---|---|
| Prime Plan | Core Plan | Easy Plan | |
| (a) Cancellation of pre-wedding photo package and overseas wedding package |
20,000 | 20,000 | |
| (b) Loss of wedding ring, wedding attire and accessories | 10,000 | 10,000 | |
| (c) Change of photo shooting venue | 5,000 | 5,000 | |
*Subject to Section exclusions and all applicable conditions, exclusions and provisions in the policy
| Maximum benefits per insured person per insured journey (HKD) | |||
|---|---|---|---|
| Prime Plan | Core Plan | Easy Plan | |
| (a) Interruption of overseas event |
5,000 | 5,000 | |
| (b) Additional cover for cameras and camcorders and accessories | 5,000 | 5,000 | |
| (c) Venue closure allowance | 300 | 300 | |
*Subject to Section exclusions and all applicable conditions, exclusions and provisions in the policy
| Maximum benefits per insured person per insured journey (HKD) | |||
|---|---|---|---|
| Prime Plan | Core Plan | Easy Plan | |
| (a) Interruption of sports activities |
5,000 | 5,000 | |
| (b) Loss of sports equipment | 5,000 | 5,000 | |
| (c) Cardiac arrest or coma | 50,000 | 50,000 | |
| (d) Exertional heat stroke | 5,000 | 5,000 | |
*Subject to Section exclusions and all applicable conditions, exclusions and provisions in the policy
| Maximum benefits per insured person per insured journey (HKD) | |||
|---|---|---|---|
| Prime Plan | Core Plan | Easy Plan | |
| (a) Missed boarding on ports-of-call | 10,000 | 10,000 | |
| (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 | |
*Subject to Section exclusions and all applicable conditions, exclusions and provisions in the policy
| Maximum benefits per insured person per insured journey (HKD) | |||
|---|---|---|---|
| Prime Plan | Core Plan | Easy Plan | |
| (a) Additional cover for personal accident |
200,000 | 200,000 | |
| (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
Frequently asked questions (FAQ)
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.
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.
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.
Learn more
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 – Prime Plan only.
3The maximum benefit limits shown above are based on the Prime Plan.
4Applicable to Breezy Travel Single Trip – Prime Plan only.
- 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.
These general exclusions apply to the whole policy. We won’t cover any claims, costs or losses or liabilities directly or indirectly arising from, related to or associated with the following.
1. Known events and conditions
(a) Any circumstance which is existing or announced before the effective date which could lead to your scheduled journey being delayed, cancelled or interrupted.
- Example of publicly announced event on adverse weather would be the point which the Hong Kong Observatory officially issue the typhoon warning signal 1.
- Another example of a publicly announced event on strike would be the labor union of a public common carrier made an announcement on an industrial action or strike.
- An example of an existing event would be a place is having civil protests every weekend and often such protest turns into riot or civil commotion.
(b) Any pre-existing condition.
2. Excluded activities
Any loss caused by the below activities, unless we agreed otherwise in writing and shown as covered in the schedule or endorsement attached to the policy.
(a) Any activity in the air, unless at the relevant time you are:
- travelling as a fare paying passenger on a regularly scheduled flight or licensed chartered aircraft, or
- participating in such activity where the manoeuvre or navigation of such activity is responsible by another person who is adequately licensed for guiding such activity and the provider of such activity must be authorized by the relevant local authority;
(b) riding or driving in any kind of motor racing; or sports competition; or engaging in a sport in a professional capacity; or any activities where you would or could earn income or remuneration from engaging in such activities;
(c) trekking at an altitude greater than 5,000 meters above sea level or diving to a depth greater than 40 meters below sea level;
(d) expeditions, treks, equipped mountaineering or similar journey; or activities involves a high level of expertise, or exceptional physical exertion, or exposure in extreme environment, or use of specialised gear or equipment;
(e) marathon, sport training or course, or any tour with bicycle riding as the main transportation during the insured journey (except you are covered under Section 10 – Amateur sports cover);
(f) your participation in any illegal or unlawful act.
3. Excluded occupations
The time when you are engaging in duty for the following occupations: being as a crew member or an operator of any air carrier; any kind of labour work; offshore activities like commercial diving, oil rigging, mining or aerial photography; handling of explosives or firearms; performing as an actor/actress/artist; site worker, fisherman, cook or kitchen worker, tour guide or tour escort; naval, military or airforce service or operations or armed force services.
4. Non-financial loss
This includes losing the ability to enjoy or use something, or costs paid for using any reward scheme (for example mileage or loyalty points) unless evidence of specific monetary value can be provided.
5. Other excluded events or conditions
(a) If you are holding the People’s Republic of China passport and travels to/within China, unless you have an official document issued by an overseas Government (other than China) as proof that you are a legal resident of the respective country but travelling with a passport of the People’s Republic of China.
(b) Any loss in connection to: suicide or intentional self-inflicted injury; insanity, mental or nervous disorders; any condition under the influence of alcohol or drugs (other than those prescribed by a medical practitioner), alcoholism, drug addiction or abuse.
(c) Any conditions or complications arising or resulting from: pregnancy, childbirth, venereal disease and HIV (Human Immunodeficiency Virus); or any loss in connection to congenital and hereditary condition.
(d) Any loss resulting directly or indirectly from pandemic, war, invasion, act of foreign enemy, hostilities (whether war is declared or not), civil war, rebellion, insurrection, revolution, usurped power, military force or coup, or action taken by government authorities in hindering, combating or defending against such an occurrence (including terrorism), any kinds of nuclear engineering.
(e) Any loss arising from any government’s regulations control or act.
(f) You are unable to travel due to government or authorized regulatory authority have imposed restrictions on movement or isolation, or national lockdowns or border closure.
(g) You are unable to travel, or you refuse to travel, or any costs or expenses incurred, due to mandatory quarantine or isolation order is imposed on you within your home area or your travel destination by the local government or authorized regulatory authority.
(h) You cannot 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.
Please refer to Policy Wording for the exclusions in different benefit sections.
- “2025 Travel Insurance Premium Discount Promotion” (“Promotion”) is provided by Zurich Insurance Company Ltd (a company incorporated in Switzerland with limited liability) (“Zurich”).
- This Promotion is only applicable to selected Insurance Plan: Breezy Travel Insurance Plan – Single Trip and/or Annual Plan.
- Customers who apply for the above Insurance Plan(s) through Zurich website with designated promo codes (“Promo code”) from May 22, 2025 to June 4, 2025 (“Promotion Period”) with the policy successfully issued by Zurich and effective on or before June 4, 2025, will be eligible to enjoy 30% premium discount on Single Trip and/or 30% first-year premium discount on Annual Plan.
- Promo code is subject to a limited quota and is available on a first-come-first-served basis.
- If the customer is also entitled to other prevailing promotional offer(s) in respect of the same policy(ies), Zurich reserves the right to provide only one of such offers to the customer, at Zurich’s sole discretion.
- The date and time appearing in the records of Zurich shall be conclusive as to the date and time relevant to the Promotion Period. Zurich shall not be responsible for any interruption, delay, loss, error or unrecognized information in relation to the application process due to technical problems including any computer or network problems.
- Zurich reserves the right to alter or terminate the Promotion (in whole or in part) or amend the Promotion Terms and Conditions at any time without prior notice.
- In case of any disputes of the Promotion, the decision of Zurich shall be final and conclusive.
- The Promotion discount is non-exchangeable for other gifts, non-redeemable for cash, and no change will be given.
- In the event of any inconsistency between the Chinese and English versions of these terms and conditions, the English version shall prevail.
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
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.
Banking & Finance Awards 2023-24
Outstanding Travel Insurance Award
Ming Pao Award for Excellence in Finance – Excellent Travel Insurance Award
Insurance Asia Award 2023
Travel Insurance Initiative of the Year - Hong Kong
The insurance plan is underwritten by Zurich Insurance Company Ltd (“Zurich”) and is intended only for sale in the Hong Kong SAR. This material should not be regarded as an offer or solicitation to sell any insurance products or services in any jurisdiction in which such offer or solicitation would be unlawful in such jurisdiction.
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.