travel plus msig

Travel Insurance

Latest promotion, itravel plus (single trip), itravel plus (annual).

• iTravel Plus Travel Insurance Promotions
• Product Features
• Benefits Table
• Major Exclusions
• Extra benefits provided for Black Alert and Red Alert under the Outbound Travel Alert System up to HK$50,000 and HK$25,000 respectively:
• If the Black Alert is hoisted, pays up to 100% of the relevant loss and up to 100% of 'Trip Cancellation and Curtailment' section limit, or if the Red Alert is hoisted, pays up to 50% of the relevant loss and up to 50% the section limit.
• Up to HK$300 administration charge billed by the travel agent if your trip is cancelled or curtailed
• Additional transport expenses if you are forced to leave the city you are staying to another city in order to return to Hong Kong
• HK$1,000 cash allowance if you must stay overnight in another city waiting for the necessary public transport to return to Hong Kong
• Amateur Dangerous Sports and activities 4 cover at no extra cost:
• Include hot-air ballooning, scuba diving, skiing, snowboarding, tobogganing, sledding, water skiing, wakesurfing, wakeboarding, rafting, sailing, windsurfing, bungee jumping, horse riding, trekking or hiking, parasailing, banana boat trip, canoeing, kayaking, sea kayaking, underwater strolling, sand boarding, safari adventures, or zipline adventure activities
• Loss of Baggage
• Newly added loss of or damage to mobile phone 5 cover up to HK$2,000
• Natural Disaster cover:
• Trip Cancellation and Curtailment cover up to HK$50,000
• Travel Delay cover of HK$250 for first 6 hours of delay and each subsequent period of 12 hours, up to HK$2,000
• Up to HK$7,500 cover for additional transport and accommodation expenses if your return trip to Hong Kong is unavoidably re-routed, including up to HK$1,000 per day for accommodation expenses
• Terrorism Extension:
• Terrorism 10 cover up to HK$3,000,000 per person for accidental death, bodily injury, medical expenses and Worldwide Travel Assistance Services
• Other benefits:
• Personal Accident 6,7,8 cover up to HK$1,000,000
• Advance payment of HK$50,000 cash relief for Accidental Death
• Major Burns Benefit up to HK$1,000,000
• Loss of Limb Benefit cover, which is defined in the Policy as loss by physical severance at or above the wrist or ankle or the total and permanent loss of use of an entire hand, arm, foot or leg under Personal Accident Section
• Deposit Guarantee of Hospital Admission up to HK$40,000
• Medical Expenses benefit cover emergency dental treatment, medical and surgical expenses up to HK$1,000,000 7,8
• Comprehensive 24-hour Worldwide Emergency Assistance Services
• Double Indemnity 9 for Personal Accident up to HK$2,000,000
• Follow up medical expenses after returning to Hong Kong up to HK$50,000 for a maximum period of 90 days, including registered herbalists, bonesetters and acupuncture fees up to HK$1,500 in total
• Personal Liability cover up to HK$2,500,000
• Personal Money, Documents and Additional Accommodation Expenses cover up to HK$10,000
• Family Plan 3,7 covering unlimited number of children
• Rental Vehicle Excess cover up to HK$5,000
• Automatic Extension of Cover
• $500 daily cash benefit (up to 10 days) if the insured person is compulsory quarantined or hospitalised overseas as a result of being diagnosed with COVID-19
• Trip cancellation or delay due to COVID-19 diagnosis prior to trip commencement
• Trip curtailment due to COVID-19 diagnosis during the trip
• Medical expenses for overseas hospitalisation incurred by COVID-19 treatment
• Maximum days per trip of Plan A and Plan B are 182 days. Maximum days per trip of Plan C is 30 days, each trip should be commenced in Hong Kong.
• There is no minimum age limit for this plan. Maximum age limit is 85.
• Family Plan is only applicable to a legally married couple and any number of your child(ren) under 18 years of age. Child(ren) under 12 years of age must be accompanied by a parent or a guardian in the insured trip. Family Plan is not offered to Plan C.
• The Amateur Dangerous Sports And Activities Extension under Personal Accident Section and Medical Expenses Section will not be available to those Insured Persons who are over 70 years of age. This extra benefit is not applicable to Plan C.
• No mobile phone benefit is payable for Plan B or Plan C, or if the Insured Person(s) is(are) below 18 years of age insured under a Family Plan.
• The maximum indemnity under Personal Accident Section for the Insured Person who is under 18 years of age will be limited to HK$250,000.
• For Family Plan, the maximum indemnity under Personal Accident Section will be limited to HK$1,500,000 and the maximum indemnity under Medical Expenses Section will be limited to HK$3,000,000 for all of the Insured Persons who are under 18 years of age.
• The maximum indemnity under Personal Accident and Medical Expenses Sections for an Insured Person who is over 70 years of age will be limited to 25% of the Sum Insured.
• The Double Indemnity benefit under Personal Accident Section will not be available to those Insured Persons who are under 18 or over 70 years of age at the time of an accident. This extra benefit is not applicable to Plan C.
• Any acts of terrorism involve the use of biological, chemical agents or nuclear devices are excluded.
• For COVID-19 related benefits, the Insured Person(s) must fulfil the entry rules and conditions requirement both in Hong Kong and your planned travel destination(s). For any COVID-19 related claims, the claimant must provide PCR-based nucleic acid test record or rapid antigen test results and proofs indicating the confirmed COVID-19 infection (e.g. medical notes, report, government declaration record).
• iTravel Plus (Single Trip) is only available for online purchase.
• Collection of Levy on Insurance Premium : Insurance Authority (IA) has announced the collection of levy on insurance premium under the “Insurance Ordinance” with effect from 1st January 2018. As a result, all premium amounts shown in this webpage are subject to levy. For further information, please visit www.ia.org.hk/en/levy
• The maximum indemnity under Personal Accident and Medical Expenses Sections for an Insured Person who is over 70 years of age will be limited to only 25% of the Sum Insured.
• For Family Plan, the maximum indemnity under Personal Accident Section will be limited to HK$1,500,000 and the maximum indemnity under Medical Expenses Section will be limited to HK$3,000,000 for all of the Insured Persons who are under 18 years of age. Family Plan is not offered to Plan C.
• Any acts of terrorism involve the use of biological, chemical agents or nuclear devices are excluded. 
• The Amateur Dangerous Sports Extension under Personal Accident Section and Medical Expenses Section will not be available to those Insured Persons who are over 70 years of age. This extra benefit is not applicable to Plan C.
• The Golfers' Hole-in-One benefit will not be available to those Insured Persons who are under 18 years of age.
• 24-hour Worldwide Travel Assistance Services are available outside the Country of Residence. Country of Residence will be regarded as Hong Kong.
• "Loss of one limb" is defined in the policy as loss by physical severance at or above the wrist or ankle or the total loss of use of an entire hand, arm, foot or leg.
• This benefit is not applicable to Insured Person(s) is(are) below 18 years of age and insured under a Family Plan.
• Asia: listed countries and areas in Asia including China, Macau, Brunei, Cambodia, Indonesia, Japan, Korea, Laos, Malaysia, Myanmar, Philippines, Singapore, Taiwan, Thailand and Vietnam.

*Family Plan cover is only applicable to a legally married couple and any number of your child(ren) under 18 years of age.

• Family Plan cover is only applicable to a legally married couple and any number of your child(ren) under 18 years of age. Child(ren) under 12 years of age of must be accompanied by a parent or a guardian in the insured trip. Family Plan is not applicable to Plan C.
• No refund of the premium and the Levy will be allowed once the policy document has been issued.
• Any liability arising from a contractual agreement without the prior consent of Us is not covered
• Any liability arising from the loss of or damage to property which belongs to or in custody or control of You or your family members is not covered
• Professional or organised dangerous sports or activities
• Any organized sports, any kind of race, motor rallies and competition, mountaineering or rock-climbing (necessitating the use of ropes or pitons), iceberg climbing, potholing, speed or endurance tests, marathon or any tour with bicycle riding as the main transportation during the insured journey, parachuting, skydiving, hang-gliding, trekking or hiking at an altitude of over 5,000 meters above sea-level, scuba diving to a depth greater than 30 meters below sea-level, water motorcycling/ jet-skiing, jet-boating, speed-boating, dune driving, snow motorcycling, ski-jumping, ice hockey, the use of bob-sleighs or skeletons, the use of firearms, or other hazardous pursuits or occupations.
• Manual work undertaken during business trips
• Suicide, intentional self-inflicted injury, insanity
• Mental or nervous disorders, sleep disorder, psychiatric disorder
• Alcoholic and drug addiction or solvent abuse
• HIV (Human Immunodeficiency Virus) and AIDS (Acquired Immune Deficiency Syndrome)
• Flying activities other than as a fare-paying passenger on a regular or schedule airline or licensed chartered aircraft
• Air flight crew
• Unlawful acts
• War and terrorism (Except for Terrorism Extended Cover)
• Nuclear weapons and radiations
• Loss of or damage to any pager, mobile phone (except for the benefit specifically provided under the above Benefit 10) , tablet computer, portable telecommunication equipment, aerial device (i.e. aerial photography equipment) or any of its accessories including sim card or digital storage card and the like
• Terrorism 9 cover up to HK$3,000,000 per person for accidental death, bodily injury, medical expenses and Worldwide Travel Assistance Services
• Hospital Cash benefit up to HK$5,000
• Follow up medical expenses after returning to Hong Kong for up to HK$100,000 for a maximum period within 90 days, including registered herbalists, bonesetters and acupuncture fees up to HK$1,500 in total
• Maximum days per trip is 90 days, each trip should be a round-trip commencing in Hong Kong.
• There is no minimum age limit for this plan. Maximum age limit is 75.
• Family Plan is only applicable to a legally married couple and any number of your child(ren) under 18 years of age. Child(ren) under 12 years of age must be accompanied by a parent or a guardian in the insured trip.
• The Amateur Dangerous Sports And Activities Extension under Personal Accident Section and Medical Expenses Section will not be available to those Insured Persons who are over 65 years of age.
• No mobile phone benefit is payable for Plan B, or if Insured Person(s) is(are) below 18 years of age insured under a Family Plan.
• The maximum indemnity under Personal Accident Section for an Insured Person who is under 18 years of age will be limited to HK$250,000.
• The maximum indemnity under Personal Accident and Medical Expenses Sections for an Insured Person who is over 65 years of age will be limited to only 25% of the Sum Insured.
• iTravel Plus (Annual) is only available for online purchase.
• The Amateur Dangerous Sports Extension under Personal Accident Section and Medical Expenses Section will not be available to those Insured Persons who are over 65 years of age.
• The Replacement Employee Benefit is only applicable if the Insured is either an incorporated or unincorporated company.
• "Loss of one limb" is defined in the Policy as loss by physical severance at or above the wrist or ankle or the total loss of use of an entire hand, arm, foot or leg.

*Family Plan cover is only applicable to a legally married couple and any number of your child(ren) below 18 years of age

• Loss of or damage to any pager, mobile phone (except for the benefit specifically provided under the above Benefit 12), tablet computer, portable telecommunication equipment, aerial device (i.e. aerial photography equipment) or any of its accessories including sim card or digital storage card and the like.
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Trans-Siberian Railway Prices

• Trans-Siberian Railway Tickets
• Trans-Siberian Railway Ticket Booking
• Trans-Siberian Railway Car Classes
• Travel Procedure
• Trans-Siberian Railway Route
• Guides & Gadgets

Home » Prices and Trans-Siberian Tickets » Trans-Siberian Railway Prices

Ticket prices for the Trans-Siberian Railway also depend on the current ruble exchange rate.

Is the Trans-Siberian Railway expensive?

Before starting on your Trans-Siberian Railway adventure you naturally want to know what the entire trip will cost. Although this sounds like a simple question, it is pretty difficult to answer. The Trans-Siberian Railway price of travel depends on the following factors:

• Which travel class do I want to use? The price for a first class ticket is about three times the price of a 3rd class ticket
• Am I willing to buy the tickets myself and assume responsibility for the organisation of the trip?
• How many stopovers do I want to make? The more breaks, the higher the total price.
• What sort of accommodation do I want? Will it be a luxury hotel or will a hostel dormitory be sufficient?
• What tours and excursions would I like to go on?
• What is the current exchange rate for rubles?

Basically, everything from a luxury to a budget holiday is available. If you buy yourself a 3rd Class nonstop ticket at the counter, a few hundred Euros will cover the price. All you will experience is a week on the Trans-Siberian train and will see nothing of the cities on the way. There is, however, any amount of room for upward expansion. Everyone makes different choices about which aspects they are willing to spend money on. I personally prefer to save money on accommodation and railcar class, visit as many cities and do as many trips as possible. To enable better classification of your travel expenses I have contrasted two typical traveler types. In the third column you can calculate the total cost of your own journey on the Trans-Siberian Railway. Please keep in mind that these are only rough estimations and not exact prices.

The all-in costs seem fairly high at first. However, they cover everything and it is quite a long journey taking four weeks. Many people forget to consider that when looking at the list. We should also deduct the running costs for food and leisure at home. I think most visitors to this page will classify themselves somewhere between the two categories, that is around the € 2,000 – € 2,500 range. When comparing these prices with other travel packages, you get the impression that it is hardly worthwhile travelling individually on the Trans-Siberian Railway. Please keep in mind that most packages last no more than 14 days and you are herded like cattle through the most beautiful locations.

If you spend less time on the Trans-Siberian Railway you will, of course, pay less. I chose this particular travel length because I prefer not to do things by halves. If you fulfill your dream of travelling on the Trans-Siberian Railway, enjoy it and don’t rush things. But it’s up to you, of course. Try playing around with the form a bit to find the appropriate price for your trip.

• Trans-Siberian Railway Tickets »

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AIG Travel Guard insurance review: What you need to know

Whether you need an annual plan or a policy for a last-minute trip, travel guard can deliver..

Travel Guard is one of CNBC Select 's picks for best travel insurance , thanks to its wide range of customizable policies. But are any of them right for you? Below, we review the provider and its offers and how they compare to the competition to help you choose the right travel insurance for your next trip.

Travel Guard review

Other insurance offered, how it compares, bottom line, travel guard® travel insurance.

The best way to estimate your costs is to request a quote

Policy highlights

Travel Guard offers a variety of plans to suit travel ranging from road trips to long cruises. For air travelers, Travel Guard can help assist with tracking baggage or covering lost or delayed baggage.

24/7 assistance available

• A variety of plans are available to help cover different types of trips
• Not all products are available for purchase online

Travel Guard® is a global travel insurance provider specializing in plans for leisure and business travelers. Its online travel insurance packages include five options, from basic and last-minute trip coverage to more comprehensive plans. This allows travelers to pick a plan that best matches their situation.

For example, budget-minded travelers might go for the Essential Plan which offers basic protections, such as trip cancellation, interruption and delay insurance, coverage for lost, damaged and delayed baggage, and medical, evacuation and death coverage.

On the other hand, the Deluxe Plan — the most comprehensive option — adds such extras as missed connection coverage, security evacuation, travel inconvenience benefits and more. It also boosts high limits for essential coverages.

Last-minute travelers can opt for the Pack N' Go Plan which only includes certain post-departure coverages. Or, if you travel often, the Annual Plan can cover your trips throughout the year.

Finally, Travel Guard offers "offline" travel insurance packages, meaning you'll have to call if you're looking for a specialty plan.

Coverage types

Depending on the plan, here are the types of protection Travel Guard can include in your package:

• Trip cancellations
• Trip interruption
• Baggage coverage
• Baggage delay
• Travel medical expenses
• Travel inconvenience benefits (reimbursement for such situations as runway delays, cruise diversion and other unforeseen situations)
• Medical evacuation
• Trip Saver (reimbursement for meals, hotels and transportation if you need to begin your trip sooner due to weather or airline changes)
• Trip exchange (reimbursement in case you have to cancel your trip and book a new one due to covered unforeseen circumstances)
• Security evacuation (due to a riot or civil disorder)
• Flight guard (coverage for accidental death or dismemberment that occurs when traveling by plane)
• Pre-existing medical conditions exclusion waiver

You can also customize your plan with add-ons, such as car rental insurance and "cancel for any reason" coverage .

Travel Guard landed on our list of the best travel insurance companies thanks to its variety of coverage. With plenty of options to choose from, both online and offline, it's easy to build a policy that meets your needs.

Travel Guard also features 24-hour concierge services that you can use to book a new flight in case of an emergency or delay.

The provider's website also offers informational resources — here, you can check travel news, read safety tips and find general travel advice. Additionally, the website lets you modify your plan, file a claim and check its status, or apply for a voucher or refund.

As of writing, Travel Guard doesn't offer any discounts. That's common for travel insurance — you're more likely to find deals when shopping for other types of insurance, such as home and auto insurance .

Travel Guard is a portfolio of travel insurance and travel-related services offered by AIG Travel, a member of American International Group (AIG). AIG also offers life insurance and a variety of business insurance products.

Travel Guard makes it easy to get a travel insurance policy customized to your needs. But before you purchase coverage, it's always a good idea to shop around.

For example, if you're going on a cruise, you might want to look at Nationwide Travel Insurance . The provider advertises cruise-specific insurance with three plan options available. This type of coverage is designed with issues unique to cruises in mind — from ship-based breakdowns to missed pre-pard excursions.

If you're planning a more active trip filled with rock climbing or sky diving, Berkshire Hathaway offers the AdrenalineCare® plan which features coverage for unforeseen costs that result from participating in extreme sports on your trip, as well as reimbursement for sporting equipment delay. Pre-existing conditions are covered under this plan (if you meet qualifying conditions).

Berkshire Hathaway Travel Protection

Berkshire Hathaway Travel Protection has multiple plans to cover vacations from luxury travel to adventure travel. The brand's LuxuryCare offers the highest limits of travel insurance coverage offered by the company. Quotes and policies are available online.

As you can see, offerings vary by provider. It can be helpful to compare multiple companies and the plans they offer to find what works best for you. It's even better if you gather several quotes to ensure you're getting a good price for your policy.

Money matters — so make the most of it. Get expert tips, strategies, news and everything else you need to maximize your money, right to your inbox.  Sign up here .

Travel Guard offers plenty of ways to customize your policy, making it a solid choice for travel insurance. You can also access additional options by giving Travel Guard a call. However, make sure to check out other travel insurance companies too — comparison shopping is essential when picking any type of financial product.

Why trust CNBC Select?

At CNBC Select, our mission is to provide our readers with high-quality service journalism and comprehensive consumer advice so they can make informed decisions with their money. Every insurance review is based on rigorous reporting by our team of expert writers and editors with extensive knowledge of insurance products . While CNBC Select earns a commission from affiliate partners on many offers and links, we create all our content without input from our commercial team or any outside third parties, and we pride ourselves on our journalistic standards and ethics.

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