10Life Financial Limited
Enquiries: enquiries@10life.com
Hotline: (852) 3705 1599
Address: 16/F Greatmany Centre, 109-115 Queen’s Road East, Wan Chai, Hong Kong
Talk to 10Life on WeChat
false
Trending
Trending
Table of Content
10Life Travel Insurance Rating Methodology
Some travel insurance products have high overall ratings but are less impressive in certain coverage areas.
Category
Author
Search 
Category
Author
Search
【Selected Travel Insurance Under $200】 Which travel insurance offers low premiums and high coverage? Pay attention to the detailed coverage!
When purchasing travel insurance, the scope of coverage is a crucial factor to consider, ensuring that the insured is comprehensively protected during their journey. However, for travellers with limited budgets or those who are more cost-conscious, the premium is another important consideration. Therefore, when buying travel insurance products, it is worth evaluating both the premium and the coverage. To assist everyone in finding suitable travel insurance, 10Life has selected travel insurance products available in the market with a 10Life Travel Insurance Rating of 7 or above and premiums below HKD 200, and compared their specific coverage details.
Selecting Travel Insurance: Consider Coverage and Premiums in One Go
Table 1: Comparison of Premiums and Ratings of 6 Travel Insurance Products (HKD)
Assuming the insured is an adult, 5-day trip, destination is Japan
Product | Premium | Overall Rating |
| MSIG iTravel Go（單次旅程） 計劃 A | $195 55% discount code: 10life →Apply Now← | 9.3 |
$145 | 8.1 | |
$151 | 7.9 | |
$183 | 7.8 | |
$194 | 7.8 | |
$162 | 7.2 | |
| Note: 1. Selected travel insurance products on the market with a 10Life Travel Insurance Rating above 7 points, and premium (including discounts) below HKD 200, ranked by overall rating (highest to lowest) 2. Product information last updated on: 27 November 2025 | ||
10Life Travel Insurance Rating Methodology
The travel insurance ratings for the above 6 products are all above 7 points. This rating standard is established by 10Life actuaries, taking into account four major coverage areas of travel insurance, thereby helping the public identify high-coverage single-trip travel insurance based on scores:
- Medical and Emergency Assistance
- Trip Disruption
- Personal Belongings
- Personal Accident
For a detailed understanding of the rating calculation method, you can refer to “10Life Travel Insurance Rating Methodology”.
Some travel insurance products have high overall ratings but are less impressive in certain coverage areas.
The overall rating of travel insurance can generally reflect the coverage of the product, but different travellers have varying needs for coverage. For instance, some policyholders may prioritise medical coverage, while others may be more concerned about protection for personal belongings. Therefore, policyholders should select a travel insurance product that best suits their individual needs.
Table 2: Comparison of Individual Coverage Scores for 6 Travel Insurance Products
Assuming the insured is an adult, 5-day trip, destination is Japan
Product | Medical and Emergency Support Rating | Personal Belongings Rating | Trip Disruption Rating | Personal Accident Rating |
| MSIG iTravel Go（單次旅程） 計劃 A | 9.1 | 9.6 | 9.1 | 10 |
9 | 8.3 | 8 | 5.4 | |
7.8 | 6.3 | 9 | 8.8 | |
8 | 7.1 | 7.5 | 9.9 | |
7.3 | 6.3 | 8.8 | 10 | |
7.3 | 4.8 | 8.3 | 10 | |
| Note: 1. Selected travel insurance products on the market with a 10Life Travel Insurance Rating above 7 points, and premium (including discounts) below HKD 200, ranked by total rating (high to low) 2. Product information last updated on: 27 November 2025 | ||||
Table 2 compares the individual coverage ratings of 6 travel products. It is evident that even if the premiums of the products are similar, the performance of individual coverage items can vary significantly. To help everyone understand the differences in the individual coverage scope of the products, we have selected 2 specific items for in-depth discussion.
Table 3: Comparison of Personal Belongings Details for 5 Travel Insurance Products: Mobile Phone Coverage Amount
Assuming the insured is an adult, on a 5-day trip, with the destination being Japan
Product | Personal Belongings Rating | Total Personal Belongings Coverage | Mobile Phone Coverage | Mobile Phone Coverage (Per Item) |
| MSIG iTravel Go（單次旅程） 計劃 A | 9.6 | $20,000 | ✓ | $6,000 |
8.3 | $25,000 | ✓ | $5,000 | |
6.3 | $20,000 | ✕ | $0 | |
7.1 | $10,000 | ✓ | $3,000 | |
6.3 | $15,000 | ✓ | $1,500 | |
4.8 | $15,000 | ✕ | $0 | |
| Note: 1. Selected travel insurance products from the market with a 10Life Travel Insurance Rating above 7 points, and premiums (including discounts) below HKD 200, ranked by total rating (high to low) 2. Product information last updated on: 27 November 2025 | ||||
Table 4: Comparison of Personal Accident Ratings for 5 Travel Insurance Products
Assuming the insured is an adult, 5-day trip, destination is Japan
Product | Personal Accident Rating | Total Personal Accident Coverage Amount |
| MSIG iTravel Go（單次旅程） 計劃 A | 10 | $1,000,000 |
5.4 | $600,000 | |
8.8 | $1,000,000 | |
9.9 | $1,000,000 | |
10 | $1,200,000 | |
10 | $1,200,000 | |
| Note: 1. Selected travel insurance products on the market with a 10Life travel insurance rating above 7 points, and premiums (including discounts) below HKD 200, ranked by total rating (highest to lowest) 2. Product information last updated on: 27 November 2025 | ||
As evident from the above, when purchasing travel insurance products, besides considering the coverage scope and premium costs, policyholders should also take into account their personal needs, pay attention to specific coverage items of the product, and make thorough comparisons. This article only provides a general comparison of travel insurance products on the market with a 10Life travel insurance rating above 7 and premiums below HKD 200. For a more comprehensive comparison of travel insurance products, you may refer to: 〈【Which Travel Insurance is the Best】Comparison of Over 60 Travel Insurance Prices and Coverage! With Rating Recommendations | 10Life 〉.
To learn about and compare more travel insurance products, click now to compare over 60 travel insurance products on the market, with detailed premiums and coverage at a glance, along with exclusive actuary ratings.
Further Reading
- 【Travel Insurance Mobile/Phone/Computer/Camera Coverage】Comparison of Personal Property Coverage in 15 Popular Travel Insurance Plans
- 【Which Travel Insurance is the Best】Comparison of Over 60 Travel Insurance Prices and Coverage! With Rating Recommendations | 10Life
- 【Travel Insurance Family Plan】Is a Family Travel Insurance Plan the Most Cost-Effective for the Whole Family? Are There Differences in Coverage?
- 【Travel Insurance】Comparison of Trip Delay Coverage in 15 Products Highest Compensation for Flight Delays up to $5,000?
Note:
1. The above premium information is updated as of 27 November 2025 and does not include the premium levy collected by the Insurance Authority.
2. This article was last updated on 27 November 2025.
This English version of this article has been generated by machine translation powered by AI. It is provided solely for reference purposes. In the event of any discrepancy or inconsistency between this translation and the original Chinese version, the Chinese version shall prevail.
Last updated: 14 Apr 2026
10Life Editorial Team
Our team of professional content researchers focussing on insurance
10Life Editorial Team
Our team of professional content researchers focussing on insurance
Disclaimer
10Life Product Comparison and 10Life Insurance Ratings are developed by 10Life Financial Limited, an authorised insurance broker company licensed with the Insurance Authority under License Number FB1526. 10Life Product Comparison and 10Life Insurance Ratings are developed for generic customer segments using mathematical calculations based on product information, facts and data, and are not influenced by any partnerships with or fees received from insurance companies. Any information on 10Life Platform ("10Life Information"), including but not limited to Product Comparison, Product Ratings, Blog Articles are intended for general education purpose and reference only. None of the 10Life Information is intended, nor should they be considered or relied upon, as regulated advice, insurance, financial, investment or professional advice, recommendation, approval, endorsement, invitation or solicitation in respect of any insurance, financial or investment products. 10Life Information does not take into account your individual needs. Reading 10Life Information should not be considered as conducting a suitability assessment, and is not sufficient to form the basis of any decisions to purchase any insurance products. You should rely on information authorised by insurance companies, carry out your own research and/or seek independent advice from licensed intermediaries before purchasing any insurance products or making any insurance decisions. While reasonable effort is used when collecting, validating and updating 10Life Information from various channels, none of 10Life Group and its subsidiaries, affiliates, agents, directors, officers and employees will be responsible for any liability, claim or loss arising from or associated with you using 10Life Information. No warranty, representation or guarantee is given by 10Life Group and its subsidiaries on the accuracy, completeness and timeliness of the information. If you have any questions on 10Life Product Comparison and 10Life Insurance Ratings, please email us at enquiries@10life.com
