Comprehensive Travel Insurance

American Express Travel Protector – Benefit Table

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BENEFITS MAXIMUM SUM INSURED (HK$)
ACCIDENTAL DEATH & PERMANENT DISABLEMENT
A PERSONAL ACCIDENT  
- Accident occurs whilst Travelling on a Public Conveyance (17 to 75 years of age) 1,600,000
- Other Accident (17 to 75 years of age) 800,000
- All Accidents (under 17 or over 75 years of age) 400,000
EMERGENCY MEDICAL EXPENSES AND EMERGENCY ASSISTANCE SERVICES
B MEDICAL EXPENSES  
- Medical Expenses 1,000,000
- Follow-Up Medical Expenses  
 

a. As a Result of Sickness (including up to HK$3,000 Chinese Medical treatment expenses, subject to HK$150 per visit per day.)
b. As a Result of Bodily Injury (including up to HK$3,000 Chinese Medical treatment expenses, subject to HK$150 per visit per day.)

200,000

500,000
C ACE ASSIST – 24-HOUR WORLDWIDE ASSISTANCE SERVICES  
- Emergency Medical Evacuation and/or Repatriation Unlimited
- Return of Mortal Remains Unlimited
- Compassionate Visit 30,000
- Additional Hotel Accommodation Expenses incurred due to Medical Reasons 10,000
- Child Escort 30,000
- Compassionate Death Travel Allowance 30,000
- Twenty-Four (24) Hour Telephone Hotline and Referral Services Applicable
- Worldwide Emergency Card with Medical Guarantee for over 120 Hospitals in China Applicable for Annual Cover
D DEATH BENEFIT – DUE TO SICKNESS 20,000
E HOSPITAL CASH (HK$500 per day for overseas confinement and follow up confinement in Hong Kong) 5,000
F BURNS BENEFIT 200,000
PERSONAL PROPERTY & TRAVEL DOCUMENTS
G PERSONAL PROPERTY (up to HK$3,000 for each item/set/pair except laptops; up to HK$10,000 for laptop) 20,000
H PERSONAL MONEY 1,500
I LOSS OF TRAVEL DOCUMENTS 10,000
TRAVEL INCONVENIENCE
J TRIP CANCELLATION 30,000
K TRIP INTERRUPTION  
- Trip Curtailment 30,000
- Trip Re-route 10,000
- Return Overseas after Trip Interruption 5,000
DELAY BENEFITS
L TRAVEL DELAY 3,000 
- Cash Allowance of HK$500 for Each Consecutive 8-hour Period of Delay; up to a Maximum of HK$2,000;  
- If Extra Hotel Accommodation Expenses are Incurred, Cash Allowance of HK$500 for Each Consecutive 8-hour Period of Delay, up to a Maximum of HK$3,000  
M BAGGAGE DELAY 1,000
OTHER BENEFITS
N PERSONAL LIABILITY 3,000,000
O HOME CONTENTS PROTECTION (HK$3,000 for each item/set/pair) 20,000
P CREDIT CARD PROTECTION 30,000
Q GOLFER'S HOLE-IN-ONE 3,000

Optional Upgrade for Medical Expenses and Trip Cancellation / Curtailment –
Applicable to Annual Cover only

BENEFITS MAXIMUM SUM INSURED (HK$)
Medical Expenses (max.: 2 units) 1,000,000 per unit
Trip Cancellation / Curtailment (max.: 2 units) 35,000 per unit

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Who is eligible to enroll?

For Single Trip policy
Individual Plan: All individual AMEX Cardmembers, family members or friends aged 12 years or above and who are residing in Hong Kong with valid HKID cards.
Family Plan: Includes the insured person, his/her spouse and/or legal child(ren). The insured/spouse must reside in Hong Kong with a valid HKID card and be over 18 years of age on the departure date. Legal child(ren) includes stepchild(ren) and/or legally adopted child(ren) who is/are Hong Kong resident/s and on the departure date he/she/they is/are 1) at least 3 months of age and below 18 years of age (or below 23 years of age if studying full time in a recognized institution), 2) wholly dependent on the insured or insured's spouse for financial support and not gainfully employed in any way and 3) unmarried.
For Annual policy
Individual Plan: All individual AMEX Cardmembers, their spouse, their parent(s)/parent(s)-in-law or child(ren) aged 18-70 years old who are residing in Hong Kong with valid HKID cards.
Family Plan: Includes the insured person, his/her spouse and/or legal child(ren). The insured/spouse must reside in Hong Kong with a valid HKID card, and be between 18-70 years of age on the commencement date of insurance. Legal child(ren)includes stepchild(ren) and/or legally adopted child(ren) who is/are Hong Kong resident/s and during the period of insurance he/she/they is/are 1) at least 3 months of age and below 18 years of age (or below 23 years of age if studying full time in a recognized institution), 2) wholly dependent on the insured or insured's spouse for financial support and not gainfully employed in any way and 3) unmarried.

The above information is intended as a general summary and is for information only. Please refer to the policy wording for the detailed schedule of Benefits.

To enroll for American Express Travel Protector, Cardmember must pay the premium with American Express® Card.