What is 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 80 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 roughly equal to HK$37 per day, while annual coverage is only HK$2,130, making it economical and flexible for different travel needs.

What is 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.

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Benefits you can count on

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    Comprehensive oversea medical coverage

    Medical support up to HK$1,200,000 for PRUChoice Travel and medical expenses up to HK$1,500,000 for PRUChoice Cruise Travel

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    Covers cancellation, curtailment and re-routing

    Cancellation cover can protect specified events occurring in Hong Kong or overseas destinations, even if the trip is cancelled due to adverse weather conditions in Hong Kong.

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    Covers popular common sports and activities

    Skiing, hot-air ballooning, scuba diving (not more than 45 metre depth), bungee-jumping, parachuting and more

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    No age limits

    Applicable for PRUChoice Travel (single trip cover) and PRUChoice Cruise Travel

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    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, we will reimburse the insured person the irrecoverable loss.

Frequently asked questions

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 80.

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 80 years old.

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.

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).

Baggage loss claims should be reported 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.

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).

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.

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 or mountain climbing), age limits, natural disaster coverage, deductibles, and premium affordability based on the duration of your travel journey.

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.

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.

PRUChoice Travel covers recreational skiing accidents, excluding professional competitions.

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

PRUChoice Travel and PRU Choice Cruise Travel are underwritten by Prudential General Insurance Hong Kong Limited (“Prudential”).

This document does not contain the full terms and conditions of this plan and is for reference only. It does not represent a contract between Prudential and anyone else. For further details, including the full terms and conditions of this plan, please ask Prudential for a sample of the policy document. In the event of any inconsistency between Chinese and English versions of all terms and conditions, the English version shall prevail.

The product features and premiums of PRUChoice Travel are only applicable for new applications on or after 26 June 2025.

The product features and premiums of PRUChoice Cruise Travel are only applicable for  new applications on or after 1 March 2022.

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