What benefits can I get when I buy Avo travel insurance through MoneySmart?

Enjoy 25% exclusive discount and HK$50 AEON Stores voucher when you purchase your Avo Plus travel insurance through MoneySmart now!

Does Avo Travel Insurance provide coverage for Covid-19?

Yes, Single Trip Avo Travel Insurance (valid for 90 days) provides Covid-19 related coverage.

What is covered for the pre-wedding photoshoot and wedding extra benefit in the Avo Travel Insurance?

It covers cancellation or postponement, closed down of wedding service providers, loss of or damage to wedding attire, loss of marriage certificate and personal Liability of invited guests.

Does Avo Travel Insurance provide coverage for skiing?

Yes it can be included as an add-on coverage.

What is Avo Insurance?

Launched in 2019, Avo Insurance is the first virtual licensed general insurer in Hong Kong that provides different insurance products such as medical, travel insurance etc.

Avo Travel Insurance 2025: exclusive discounts and limited-time offers

Enjoy extensive coverage

Insurers can enjoy emergency medical and related expenses coverage worth of HK$1.2 million, covering overseas medical expenses arising from body injuries or sickness, including dental treatments, hotel accommodation for convalescence and transportation expenses, hospital daily allowance, etc..

Covering trip cancellation, interruption or delay

In the event of covered reasons e.g. outbreak of infectious disease, terrorism, adverse weather conditions or natural disasters at the scheduled destination, insurers missed the transportation or pre-paid, non-refundable activities, Avo Travel Insurance will cover your loss.

Cover follow-up consultations even after you are back to Hong Kong

Avo travel insurance covers follow-up consultations until 90 days after you are back to Hong Kong covering medical bills for body injuries and sickness including Chinese herbalist, Chinese bonesetter or acupuncturist.

Budget plan for families

Avo’s family plan can help families save more. If you choose a family plan when applying for insurance, you can extend the coverage to your children at a discounted price. Buying family travel insurance is a quick way to get all insurance sorted for family members and it is also more cost-effective!

Cover personal luggage, bags, money and travel documents

Avo Travel Insurance covers loss or damage to personal baggage or effects, loss of Personal Money and loss of travel documents due to covered reasons e.g. theft, robbery, burglary or damage. It also reimburses emergency purchase of essential clothing and toiletries.

Extensions for more coverage

With extra benefits, you can enjoy additional coverage for water sports, winter sports, amateur sports competitions and overseas pre-wedding photoshoot / wedding trips. You can upgrade according to your needs.

Avo Travel Insurance Covid-19 Coverage

Avo Travel Protection is included in Single Trip Cover and the coverage is as follows:

During the Trip

Medical Expenses:Provides up to HK$1,200,000 coverage of Medical Expenses Incurred Overseas. This covers COVID-19 contracted when traveling outside Hong Kong.
Worldwide Emergency Assistance Services: Provides up to HK$1,000,000 coverage of Worldwide Emergency Assistance ServicesThis covers COVID-19 contracted when traveling outside Hong Kong, providing insurers with peace of mind.
10-day free insurance period extension:If you can't return to Hong Kong as planned due to COVID-19, your insurance will be extended for 10 days for free.

After Returning to Hong Kong

Follow-up medical expenses:Insurers will be reimbursed on medical bills relating to COVID-19-related treatments incurred within 90 days from returning to Hong Kong provided that insurers are diagnosed with COVID-19 outside Hong Kong.

Avo Travel Insurance Coverage - Lite VS Plus

Items	Lite - Maximum Coverage	Plus - Maximum Coverage
Emergency Medical & Related Expenses	HK$500,000	HK$1,200,000
Personal belongings	HK$7,500	HK$21,000
Trip Cancellation, Interruption or Delay	HK$30,000	HK$60,000
Personal Accident Benefits	HK$300,000	HK$600,000
Overseas Rental Vehicle Excess Protection	N/A	HK$3,000
Winter Sports Extra Benefit	HK$200,000	HK$200,000
Water Sports Extra Benefit	HK$200,000	HK$200,000
Pre-wedding Photoshoot and Wedding Extra Benefit	HK$20,000	HK$20,000

Avo Travel Insurance - How to make claims online?

Step 1: Fill in Avo’s claim form online and submit it with required documents.

Step 2: Avo will handle and review the claim. Insurers might be asked to provide further documentation.

Step 3: Avo will let you know the results within 5-10 working days.

Avo Travel Insurance - How to make claims by post?

Step 1: Download and complete the Avo Travel Insurance claim form

Step 2: Prepare the required supporting documents according to the "Claim Documentations Checklist"

Step 3: Mail the completed claim form together with the required supporting documents within 30 days after the incident to Avo Insurance Company Limited (Address: 3701, 3705-6, 37/F, 118 Connaught Road West, Sheung Wan, Hong Kong)

Frequently Asked Questions

What benefits can I get when I buy Avo travel insurance through MoneySmart?: Enjoy 25% exclusive discount and HK$50 AEON Stores voucher when you purchase your Avo Plus travel insurance through MoneySmart now!
What is the maximum age covered for Avo Travel Insurance?: The maximum age covered is 80.
Does Avo Travel Insurance provide coverage for Covid-19?: Yes, Single Trip Avo Travel Insurance (valid for 90 days) provides Covid-19 related coverage.
What is covered for the pre-wedding photoshoot and wedding extra benefit in the Avo Travel Insurance?: It covers cancellation or postponement, closed down of wedding service providers, loss of or damage to wedding attire, loss of marriage certificate and personal Liability of invited guests.
Does Avo Travel Insurance provide coverage for skiing?: Yes it can be included as an add-on coverage.
What is Avo Insurance?: Launched in 2019, Avo Insurance is the first virtual licensed general insurer in Hong Kong that provides different insurance products such as medical, travel insurance etc.

Avo Insurance Travel Insurance Hong Kong 2025:Get Quotes Now

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HK$123.20

Avo Restful Travel Protection - Lite (Area 1)

HK$176

Avo Restful Travel Protection - Plus (Area 1)

HK$143.20

Avo Restful Travel Protection - Lite (Area 2)

HK$204.80

Avo Restful Travel Protection - Plus (Area 2)

HK$172

Avo Restful Travel Protection - Lite (Area 3)

HK$245.60

Avo Restful Travel Protection - Plus (Area 3)

Key Features of Avo Travel Insurance