FunTravel Insurance plan from Zurich Insurance Group - annual cover with COVID-19 protection for Hong Kong families

Reviewed: ad hoc news B2B & Pro desk. Edited and checked on 2026-06-27, 03:42. Details in the imprint.

FunTravel Insurance plan from Zurich Insurance Group sits somewhere between a packed suitcase and a safety net as Hong Kong families roll their trolley bags through the airport at 6 a.m., phones in hand and kids darting toward the snack shelves.

What FunTravel covers

At its core, the FunTravel Insurance plan is a travel product sold by Zurich in Hong Kong that bundles medical, accident and baggage benefits for single and annual trips. The Gold Plan variant on retail platforms lists medical expenses up to HKD 1,000,000 and personal accident cover also up to HKD 1,000,000 per person and journey.

Alongside the headline medical and accident limits, the product adds smaller but tangible benefits such as cover for accidental damage or loss of a mobile phone, capped at around HKD 3,000 under the Gold Plan. For frequent travelers, especially families, Zurich positions FunTravel with the option of an annual plan that covers multiple trips within a year rather than buying separate single policies each time.

Designed around Hong Kong travelers

The FunTravel Insurance plan is built very specifically around Hong Kong-resident customers, with policy wording and sales channels tailored to that market. For the annual worldwide family option, the maximum duration of each insured journey is typically 90 days, which matches the pattern of short business trips and school-holiday vacations common in the region.

Eligibility rules are equally explicit: for the annual plan, the insured adults usually need to be aged 70 or below at the policy start, with renewals allowed up to age 75 at Zurich’s discretion. Children can be included under a family plan structure, where up to four accompanying children under 18 may travel with the parents on the same contract.

COVID-19 protection and extras

Where FunTravel stands out on shelf descriptions is the explicit mention of COVID-19 features that Zurich added to keep the product relevant after the pandemic years. The Hong Kong marketing materials highlight that the plan includes protection against certain COVID-19 related losses, discounted rates for pre-travel test services and the option to obtain a certificate confirming that COVID-19 risks are covered under the policy.

Beyond pandemic tweaks, Zurich spices the offer with a 24-hour global emergency assistance service and coverage for follow-up medical expenses after the insured returns to Hong Kong, within defined limits. That means if a traveler is treated abroad but needs further checks back home, some of those costs can still fall under the same trip’s cover, subject to the policy’s terms.

How it feels in real use

When a family signs up, the experience is intentionally streamlined: most Hong Kong customers see FunTravel embedded directly in familiar shopping platforms or via local intermediaries, with a few quick screens to select destination, dates and plan level. The interface usually shows the Gold, Silver or Bronze tiers alongside the headline medical and baggage limits, so customers can see numbers and adjust their choice without digging into dense documents.

On the road, the tactile moment of truth is often a cracked phone screen or a delayed suitcase rather than a hospital stay. In those situations, Zurich’s promise of mobile phone damage cover or compensation for baggage delay becomes visible in small but concrete reimbursements, although policyholders still need to keep receipts, boarding passes and airline delay confirmations to support any claim.

Pricing and positioning

FunTravel Insurance plan is marketed at different price points depending on trip length, destination region and plan tier, but the Hong Kong online listings show that the annual family worldwide Gold Plan can easily run into several thousand Hong Kong dollars in regular pricing before discounts. Retail partners sometimes advertise temporary percentage reductions, for instance around 20 to 25 percent off the reference premium for specific campaigns aimed at driving early-summer bookings.

Zurich positions the product against a crowded field of travel insurers in the Hong Kong market, where banks, airlines and other international insurers all bundle similar offerings. The company leans on its global brand and the breadth of protections, such as combining COVID-19 support with traditional travel covers, to make FunTravel feel like a tidy one-stop contract for families who do not want to compare every deductible in the market.

Where it falls short

There are, of course, constraints built into the design. The upper age limit for annual plan entry and the maximum trip length of 90 days mean that long-term backpackers, retirees on extended stays or digital nomads need more specialized products. Travelers also need to pay attention to pre-existing medical conditions, which can be excluded or treated differently from sudden illness during the trip.

Moreover, some of the more attractive benefits, such as mobile phone protection, only apply in the higher-tier versions such as the Gold Plan. That can leave budget-conscious buyers on Bronze or basic plans with a more stripped-down cover that focuses mainly on major medical and personal accident risks.

Why Zurich pushes travel

Group CEO Mario Greco has repeatedly highlighted personal lines and retail protection as key pillars of Zurich’s earnings mix, and Hong Kong travel insurance fits neatly into that strategy as cross-sell material to existing life and general customers in the region. By offering a product like FunTravel through digital channels and third-party platforms, Zurich can stay visible in the moments when customers are already planning a trip, instead of relying solely on agent advice meetings.

For Zurich Insurance Group, the FunTravel Insurance plan in Hong Kong is one small but telling building block in its global retail portfolio, while on the market Zurich Insurance Group shares (ISIN CH0011075394) are listed on SIX Swiss Exchange in Zurich in Swiss francs as part of the Swiss blue-chip segment.

This article was AI-assisted and editorially reviewed. Product information without guarantee; prices and availability may change at short notice. No investment advice, no buy or sell recommendation. Stock-market transactions involve risks up to total loss.