Why choose Get “Z” Go+ Travel Insurance Plan?

Phone_Mobile
Comprehensive personal property coverage, covering losses or damage to a mobile phone1 and laptop & tablet computer
Team
Provide free coverage for the accompanied child for each insured adult2
Travel_Warning
Up to HKD 50,000 trip cancellation and interruption cover
Marine
Our new thematic optional benefits offer more flexibility and cater to specific needs of your trip, including Amateur sports events and training and bike tour cover, Pet cover and Cruise tour cover3
Two girls on vacation by the sea

Single Trip Plan

Offer 3 plan options, the premium is as low as HKD 116 for a 3-day trip4

a woman dragging a suitcase at the airport

Annual Plan

Cover an unlimited number of trips throughout the year, best suited for the business travelers and travelers who frequently visit China5

Zurich brings you the peace of mind for your journey

  • Medical and accident cover
  • Personal property cover
  • Journey delay and inconvenience cover
  • Liability coverage
  • Thematic optional benefits

If you run into an accident during your trip, Get “Z” Go+ provides:

  • Up to HKD 1,500,000 of coverage for medical expenses including Chinese medicine or chiropractic treatment
  • Up to HKD 1,500,000 of coverage for accidental death and personal accident

Losing your personal belongings during your trip could be unnerving, we provide:

  • Up to HKD 3,000 mobile phone accidental loss or damage coverage (one per insured journey)1
  • Up to HKD 10,000 laptop and tablet computer coverage
  • Up to HKD 5,000 coverage for all camera drones, cameras and camcorders and related accessories and equipment
  • Up to HKD 3,000 coverage for the loss of personal money1 and the replacement cost for the loss of travel document and/or travel ticket

Accidents can happen anytime and anywhere. If your trip is delayed:

  • Travel delay allowance covers air traffic control, operation reason, etc. If the flight departure is delayed more than five hours, Up to HKD 1,600 travel delay allowance for a delay over 5 hours1,6
  • Up to HKD 50,000 coverage for cancellation6 or interruption of the trip
  • Cover irrecoverable prepaid and unused, or additional costs incurred due to journey cancellation or interruption (e.g. hotel costs, transportation or and car rental)

If you enjoy driving abroad, Get “Z” Go+ can provide you with the following relevant protections:

  • Up to HKD 3,000,000 of liability protection1
  • Up to HKD 20,000 of rental vehicle excess reimbursement (including compensation for financial loss)1. If your rental car is an electric vehicle, the maximum benefit of Rental vehicle excess will be increased by 20%
  • Amateur Sports Event and Training and Bike Tour – enjoy being active safely even you are on the go
  • Cruise Tour Cover3 – make sure your sea holiday is undisturbed by unexpected changes
  • Pet Cover – your beloved pets in Hong Kong are taken care of even you are far from home
  • Full coverage for accompanied child7

Frequently asked questions (FAQ)

  • Is there any age limit for the insured person?
    There is no age limit for the single trip travel plan. The annual travel plan accepts applications up to age 75, and the issued policy can be renewed up to age 80.
  • Is it good enough if I buy the cheapest plan?
    Apart from personal budget, you should consider your actual needs and protections. For example, the Get “Z” Go+ Deluxe Plan provides some specific coverage, including daily cash allowance due to unexpected compulsory quarantine, no limited to specified events for Travel delay allowance and Journey inconvenience cover. The maximum benefits for different benefits are also higher than other plans.
  • I am planning to travel to a few countries. Is Get “Z” Go+ able to protect my trip?
    Get “Z” Go+ does not have any geographical limitation, no matter how many countries you visit during your journey, both Get “Z” Go+ Single trip travel plan and Annual travel plan will provide protection to you. If you have enrolled for Annual travel plan, you must depart from and return to Hong Kong and each insured journey should not exceed 90 days. Insured period will be recalculated once you return to Hong Kong and set off again. 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 Deluxe Plan and Comprehensive Plan or 10 days for Essential Plan.
  • What amateur activities are covered in Get "Z" Go+?

    Get “Z” Go+ provides protection to popular tourist activities, for example, winter sports, hot air ballooning, scuba diving, water skiing, rafting, sailing, parachuting accompanied by professionals, sling jumping and horse riding, etc. For Get “Z” Go+ Single trip travel plan, our Amateur Sports Events and Training andBike Tour Optional Benefit covers any loss when participating in amateur sports event, overseas marathon and bike tour.

    Please note that motor racing, self-driving flights, engaging in a sport in a professional capacity, any activates 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 involves a high level of expertise, exceptional physical exertion, exposure in extreme environment, or use of specialized gear or equipment, are not covered by the insurance.

  • I accidentally fell in my hotel lobby, not only was I hurt in the head, but I also pushed down the hotel properties. The hotel asked me for compensation, am I protected by Get “Z” Go+?
    Yes, we will compensate you for the actual medical expenses of your head injury and the cost of the damaged hotel items according to the personal liability coverage.
  • What electronic devices are covered in Get “Z” Go+?
    Your personal laptop computer, tablet computer, camera drones, camera, camcorder and related accessories and equipment etc. will be covered according to the personal belongings sub-limits in your plan. In addition, if you have the Deluxe Plan or Comprehensive Plan, we will extend the coverage to the loss or damage of your mobile phone in the journey.
  • 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 purchased the motor insurance from the rental company when you rent the vehicle, and there are deductible amount and non-operating charge in the terms and conditions, Get “Z” Go+ will cover the related fees.If you are injured in an accident, the personal accident benefits and medical expenses can also be compensated. However, as the rental vehicle was controlled by you during the accident, you are not covered for any personal liability loss due to the accident.

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.

Travel Insurance Initiative of the Year

Insurance Asia Award 2023

 

Travel Insurance Initiative of the Year - Hong Kong

Ming Pao Award for Excellence in Finance

Ming Pao Award for Excellence in Finance –

Excellent Travel Insurance Award

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The Hong Kong Insurance Awards 2019

 

Top 3 Finalist, Most Innovative Product/Service – General Insurance

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U Magazine Travel Awards 2019

 

U Favorite Travel Insurance (Insurance Company)

Download and Learn more 

  • Table of Benefits
    • 1. Medical Cover
    • 2. Zurich Emergency Assistance
    • 3. Accident Cover
    • 4. Personal Property Cover
    • 5. Delay Cover
    • 6. Journey Inconvenience
    • 7. Liability Cover
    • Optional benefits (extra premium required)
    Section Benefits Maximum benefits per adult per insured journey (HKD)
    Deluxe Comprehensive Essential
    1 Medical Cover

    		(a) Medical Expenses
         – age 75 or below  1,500,000  1,000,000 400,000 
         – age 76 or above
        Including:

      

        – follow-up for injury

    100% of maximum benefits

    		    – follow-up for illness 10% of maximum benefits

        – Chinese medicine or chiropractic treatment
    (Both treatment in overseas and follow-up in Hong Kong)

    		 5,000 3,000 2,000
        – Overseas travelling expense for seeking medical treatment 300
    (b) Compassionate death cash   15,000 10,000 Not applicable
    (c) Overseas hospital daily cash benefit  5,000
    (500 per day)    		 3,000
    (300 per day)
    (d) Daily cash allowance due to unexpected compulsory quarantine
    		 5,000
    (500 per day)    		 Not applicable
    Section Benefits Maximum benefits per adult per insured journey (HKD)
    Deluxe Comprehensive Essential
    2 Zurich Emergency Assistance

    		(a) Deposit guarantee for hospital admission 39,000
    (b) Emergency medical evacuation Actual cost
    		 200,000
    (c) Repatriation of mortal remains Actual cost 200,000
    (d) Compassionate visit
    		 1 economy class round-trip travel ticket and hotel accommodation
    expenses up to 700 per day (Maximum 5 days )
      (e) Travelling and accommodation expenses 1 economy class one-way travel ticket and hotel accommodation
    expenses up to 1,950 per day (Maximum 4 days )
      (f) Return of unattended children 1 economy class one-way ticket and up to 30,000
      (g) 24-hour telephone hotline and referral services Included 
    Section Benefits Maximum benefits per adult per insured journey (HKD)
    Deuxe Comprehensive Essential
    3 Accident Cover

    		(a) Personal accident
       (i) Accident on public common carrier or during terrorism

         – age 75 or below  1,500,000  1,000,000  500,000
         – age 76 or above
         (ii) Other accident      
         – age 75 or below
    		 1,000,000 800,000 400,000
         – age 76 or above 
    (b) Burns accident 500,000 200,000 Not applicable
    Section Benefits Maximum benefits per adult per insured journey (HKD)
    Deluxe Comprehensive Essential
    4 Personal Property Cover

    		(a) Personal belongings 25,000 15,000 3,000
       sub-limits:

      

        – per set/item/pair

    3,000

    2,000

    		 1,000

    		    – mobile phone (1 per insured journey) 3,000 1,500 Not applicable

        – all camera drones, cameras and camcorders and related accessories and equipment

    		 5,000 4,000 1,000
        – lap-top computer or tablet computer (1 per insured journey) 10,000 8,000 1,000
    (b) Loss of personal money 3,000 2,000 Not applicable
    (c) Replacement cost for loss of travel document or travel ticket 3,000
    		 2,000 500
    Section Benefits Maximum benefits per adult per insured journey (HKD)
    Deluxe Comprehensive Essential
    5 Delay Cover

    		(a) Travel delay allowance (cover is not limited to specified events)a 1,600 1,200 Not applicable
        – each 5 hours of delay (up to 10 hours) 300 200

    		    – the next full 12 hours of delay 1,000 800
    (b) Baggage delay allowance (over 6 hours) 800 500
    Section Benefits Maximum benefits per adult per insured journey (HKD)
    Deluxe Comprehensive Essential
    6 Journey Inconvenience Covera

    		Cover is not limited to specify event
    (Subject to conditions and exclusions apply to the respective section and General Exclusions in the policy)
    		 Applicable Not applicable 
    (a) Cancellation of trip
    		 50,000 20,000 3,000

      

    (b) Interruption of trip

    50,000

    20,000

    		 3,000

    		(c) Hotel cost due to travel delay (over 6 hours) 2,000 1,000 Not applicable
    (d) Cancellation of trip due to travel delay (over 12 hours) 5,000 2,500 Not applicable
    Section Benefits Maximum benefits per adult per insured journey (HKD)
    Deluxe Comprehensive Essential
    7 Liability Cover
    (a) Personal liability
    		 3,000,000 2,000,000 Not applicable

      

    (b) Rental vehicle excess
    (If your rental car is an electric vehicle, the maximum benefit stated under section 7(b) in the table of benefits will be increased by 20%)

    20,000

    10,000
    Section Benefits Maximum benefits per adult per insured journey (HKD)
    Deluxe Comprehensive Essential

    		Optional benefitsb (extra premium required)
    1. Full coverage for accompanied childc Applicable Applicable Applicable
    2. Amateur Sports Event and Training and Bike Tour
    		 Applicable Applicable Applicable
       (a) Top-up for overseas and follow-up medical expenses on Chinese medicine or chiropractic treatment 5,000
    		 3,000 2,000
         (b) Loss of sports equipment 5,000 5,000 5,000
         (c) Pre-paid sport course and/or admission fees 5,000 5,000 5,000
    3. Cruise Tour Cover
    		  Applicable Not applicable
         (a) Top-up for Section 6(a) and (b) - Cancellation and interruption of trip 20,000
         (b) Cancellation of shore excursion 5,000 (1,000 per excursion)
         (c) Visa fee due to change of cruise port location  500
    4. Pet Cover
    		  Applicable
         (a) Cancellation of trip due to serious injury or death of pet Included under Section 6(a)
         (b) Pet care 5,000（500 per day）
         (c) Accidental medical expenses for pet 3,000 3,000 3,000
         (d) Cremation fee 3,000 3,000 3,000

    a You can only claim for one of these benefits.

    b If any optional benefit is added, the coverage will apply to all insured persons under the same policy, and each insured person can enjoy full cover.

    c Each accompanied child travelling with an adult can enjoy free coverage while additional accompanied child will be charged according to the premium table (if any).

  • Premium Table
    • Single trip travel plan
    • Other optional benefits (applicable for Single Trip Travel Plan only)
    • Annual Travel Plan
    Premium per insured person (HKD)
    Day  Essential Plan
    Adultd/Childe  Optional benefit 1f/
    Additional accompanied childc    		  Elderlyg
    1 100 30 120
    2 100 30 120
    3 116 35 136
    4 136 40 166 
    5 176 45 216
    6 236 60 286
    7 246 65 296
    8 256 70 306
    9 276 75 326
    10 296 80 356
    Premium per insured person (HKD)
    Day Deluxe Plan
    		 Comprehensive Plan
    Adultd/Childe  Optional benefit 1f/
    Additional accompanied childc     		  Elderlyg Adultd/Childe  Optional benefit 1f/
    Additional accompanied childc     		  Elderlyg
    1 223 55 263 168 42 200
    2 223 55 263 168 42 200
    3 263 65 313 198 50 238
    4 353 85 423  268 70 318
    5 393 95 473  318 80 378
    6 443 110 523  378 92 448
    7 493 125 583  388 95 468
    8 523 130 623  428 105 518
    9 553 135 663  438 110 528 
    10 583 145 683  468 115 558
    11 643 160 763  518 130 628
    12 683 170 803  568 140 678
    13 723 180 843 598 150 708
    14 773 195 883 638 160 748
    15 833 210 943 708 175 828
    16 - 20 913 230 1,013  768 190 968
    21 - 25 1,023 255 1,223 848 210 1,018
    26 - 30 1,133 285  1,353 988 245 1,188
    Each additional day
    		 48 12 60 35 10 42

    Day
    		 Premium per insured person (HKD) 
    Amateur Sports Event and
    Training and Bike Tour
    		 Cruise Tour Cover
    (applicable for Deluxe plan only)         		 Pet Cover
    1 - 5 120 140 60
    6 - 10 250 280 120
    11 - 15 400 500 200
    16 - 20 550 650 280
    21 - 25 700 780 360
    26 - 30 850 980 420
    Each additional five days
    		 120 140 60
    Premium per insured person (HKD)

    		Deluxe Plan Comprehensive Plan
    Adultd/Childe 3,180 2,580
    Additional accompanied childc /Optional benefit 1f 900 730
     

     

    c Each accompanied child travelling with an adult can enjoy free coverage while additional accompanied child will be charged according to the premium table (if any).

    d Adult refers to any insured person aged 18 to 75, each accompanied child travelling with an adult can enjoy coverage for free and the benefits of accompanied child is 50% of an adult (unless selected “Full coverage for accompanied child” in optional benefit).

    e Child refers to insured person aged 17 or below who travel alone.

    f Optional benefit 1 is the “Full coverage for accompanied child”.

    g Elderly refers to any insured person aged 76 or above.

  • Downloads
  • Remarks
    1. Only applicable to Comprehensive plan and Deluxe plan.
    2. Adult refers to any insured person aged 18 to 75, each accompanied child travelling with an adult can enjoy coverage for free and the benefits of accompanied child is 50% of an adult (unless selected “Full coverage for accompanied child” in optional benefit). Not applicable to group or corporate application.
    3. Only applicable to Deluxe plan.
    4. The premium for a 3-day trip is now HKD 116 for Essential plan.
    5. Annual travel plan accepts applications up to age 75, and the issued policy can be renewed up to age 80 with unlimited trips throughout a year, subject to maximum of 90 days for each journey.
    6. You can only claim for one of these benefits.
    7. Each accompanied child travelling with an adult can enjoy free coverage while additional accompanied child will be charged according to the premium table (if any).
  • Important notes
    • 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 and will recalculate if you return Hong Kong and set off again.
    • For Single Trip Travel Plan: If you have applied the single trip travel plan, all trips must depart from and return to Hong Kong.
    • No refund of premium is allowed once the policy issued for Single Trip Travel Plan.
    • The insured must fulfil the entry rules and conditions including vaccination requirement both in Hong Kong and your planned travel destination(s), otherwise, no coverage of the policy shall be provided, and no benefits shall be paid under this policy.
    • The insured journey of Get “Z” Go+ single trip Deluxe plan and Comprehensive plan shall not exceed 180 days, and the insured journey of Get “Z” Go+ single trip Essential plan shall not exceed 10 days.
    • Annual Travel Plan accepts the renewal age up to 80 and covers unlimited trip throughout a year, subject to maximum 90 days for each journey.
    • The product information provided herein is for reference only and does not form part of the insurance contract. Please refer to the product brochure for the detailed features and the policy provisions for the detailed terms and conditions. In case of inconsistency, the policy provisions shall prevail. Zurich Insurance reserves the right of final approval and decision on all matters. The English version shall prevail in case of inconsistency between the English and Chinese versions.