PRUChoice Travel Insurance
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Product brochure
Comprehensive oversea medical coverage
Covers cancellation, curtailment and re-routing
Covers popular common sports and activities
No age limits
Extra features
PRUChoice Travel |
PRUChoice Travel Insurance Plan not only covers airline insolvency, Red/Black travel alerts, and terrorist attacks, but also imposing no upper age limit on single trip cover, with annual cover available for those up to 75 years old. Trip cancellation/curtailment and early termination coverage broadly includes tour groups, accommodation, transportation, activity tickets, and sports-related expenses. Annual policyholders can also enjoy up to 20% no-claim discount and MedPass China Medical Card access, which exempts them from paying admission deposits at designated hospitals in Mainland China. Single trip cover premiums are calculated on a daily basis, with 7-day trip to Japan costing less than HK$36 per day, while annual coverage is only HK$1,980, making it economical and flexible for different travel needs. |
PRUChoice Cruise Travel |
PRUChoice Cruise Travel Insurance is specifically designed to address cruise-specific risks, offering comprehensive coverage for involuntary changes/cancellations of scheduled ports of call due to adverse weather, cruise cancellations caused by travel delays preventing timely boarding, shore excursion cancellations/curtailments, and missed boarding after shore excursions. It includes post-boarding baggage delay allowances and covers emergency communication costs (satellite phone, mobile roaming, or onboard Wi-Fi) during maritime emergencies. The plan features Asia & Specific Islands and Worldwide options, covering adventurous activities like bungee jumping, hot-air ballooning, and scuba diving (≤45 meters depth). With no age limit and inclusion of terrorism attack protection, it ensures robust safeguards for cruise vacations. |
Frequently asked questions
When choosing travel insurance for seniors, what factors should I consider?
When selecting travel insurance for seniors, key considerations include age limits and coverage amount. PRUChoice Travel Insurance offers single-trip plans with no age restrictions, while annual plans cover up to age 75.
What is the age limit for purchasing travel insurance?
PRUChoice Travel policyholders must be 18 years of age or above. As for the insured, there is no upper age limit for single-trip/one way cover; while for annual cover, the maximum insured age can be 75 years old.
What factors should be considered when selecting travel insurance for family?
When selecting travel insurance for a family, key considerations include coverage for children and whether the coverage is applicable when the child travels alone. PRUChoice Travel Insurance provides for children and parents, and annual cover would be applicable for the child travels alone.
What are the differences between cruise travel insurance and general travel insurance?
General travel insurance plans usually do not cover specific risk for cruise travel such as shore excursion curtailments, onboard emergency communication costs, etc.
In addition to the coverage provided by general travel insurance,PRUChoice Cruise Travel insurance provides multiple protection for specific cruise risks. These include port cancellation allowances, missed boarding due to transit delays, shore excursion curtailments, and onboard emergency communication costs (such as satellite phone call).
If I lose my luggage while traveling, can I claim compensation through my travel insurance?
Baggage loss claims should be report to the local police within 24 hours. For baggage loss or damage whilst in the custody of an airline or other carrier, should report to the authority within 24 hours.
What coverage items should I compare when purchasing travel insurance for Thailand?
Compare medical expenses, personal accident coverage (including water activities like snorklling), luggage theft, trip cancellation (due to political unrest or natural disasters like earthquakes), and coverage for popular activities (elephant riding or Muay Thai experiences).
What coverage items should I compare when purchasing travel insurance for Japan?
Key points include winter sports (e.g. skiing), trip interruptions due to natural disasters like earthquakes, high medical expenses, and baggage delay. PRUChoice Travel Insurance specifically covers skiing and diving within 45 meters.
What should you compare when purchasing Europe travel insurance?
Should consider the medical coverage to cater for the high medical costs , emergency evacuation, 24-hour support, trip cancellation/delay, baggage loss/delay, personal belongings (including electronics/cash theft), coverage for high-risk activities (e.g., skiing), age limits, natural disaster coverage, deductibles, and premium affordability based on the duration of your travel journey.
When receiving medical treatment at designated hospitals in Mainland China, is a hospital admission deposit required?
Generally speaking, hospital admission deposit is required for hospital admission in Mainland China, PRUChoice Travel Insurance annual plan holders using MedPass cards are exempted from hospitalization deposits at designated hospitals.
Does travel insurance cover COVID-19 related claims?
COVID-19 coverage includes medical treatment and qualifying trip cancellations under PRUChoice Travel Insurance, excluding claims for infections diagnosed within 3 days after the certificate of insurance is issued.
Does Prudential travel insurance cover skiing accidents?
PRUChoice Travel covers recreational skiing accidents, excluding professional competitions.
If I have no claims for two consecutive years, what travel insurance benefits can I get?
Two consecutive claim-free years earn 20% renewal discounts on PRUChoice Travel Insurance annual plans. First-year claim-free status provides 10% discount on renewal.
Learn more
Protection against Red and Black Outbound Travel Alerts
In the event of trip cancellation or curtailment due to the first issuance of Outbound Travel Alert (OTA) issued by the Hong Kong Security Bureau to the planned destination after the Policy is effective.
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Black OTA – 100% of your irrecoverable loss
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Red OTA – 50% of your irrecoverable loss
Notes
PRUChoice Travel and PRUChoice Cruise Travel are underwritten by Prudential General Insurance Hong Kong Limited (“Prudential”). The copyrights of the contents of this webpage are owned by Prudential.
This information is for reference only and does not constitute any contract or any part thereof between Prudential and any other parties. Regarding other details and the terms and conditions of this insurance, please refer to the policy document. Prudential will be happy to provide a specimen of the policy document upon your request.
The product features and premiums of PRUChoice Travel are only applicable for policy applied on or after 10 March 2023.
The product features and premiums of PRUChoice Cruise Travel are only applicable for policy applied on or after 1 March 2022.
