Get “Z” Go Travel Insurance Plan offers single trip travel plan and annual travel plan. Each plan has three plan levels for your selection according to your needs.

Online Exclusive Travel Insurance 8X Bonus Point Reward for Fubon Bank Credit Cardholders Online Exclusive Travel Insurance 8X Bonus Point Reward for Fubon Bank Credit Cardholders From now until 31 December 2023, you can enjoy 8X Fubon Credit Card bonus points and discount on premium# upon successfully enrolling in Get “Z” Go Travel Insurance with your Fubon Credit Card via dedicated Zurich webpage: Fubon Platinum/ Titanium Credit Card Click Here to enroll in Get “Z” Go Travel – Single Trip Travel Plan to enjoy 20% discount! Click Here to enroll in Get “Z” Go Travel – Annual Trip Travel Plan to enjoy 20% discount! Other Fubon Credit Cards Click Here to enroll in Get “Z” Go Travel – Single Trip Travel Plan to enjoy 10% discount! Click Here to enroll in Get “Z” Go Travel – Annual Trip Travel Plan to enjoy 10% discount! #Terms and Conditions of the Online Exclusive Travel Insurance 8X Bonus Point Reward for Fubon Bank Credit Cardholders (“Promotional Offer”): The promotion period is from now until 31 December 2023 (“Promotion Period”). This Promotional Offer cannot be used in conjunction with other offers. All matters and disputes related to this Promotional Offer will be subject to the final decision of Zurich Insurance Company Limited (“Zurich”) which reserves the right to amend relevant terms and conditions without prior notice. Travel Insurance 8X Bonus Point Reward is only applicable to the online purchase of Get ”Z” Go Travel Insurance with Fubon/YATA Credit Card on the designated Zurich website during the Promotion Period (based on the completion date of transaction, issuance date of the approval code and the transaction must be posted by 7 days after the Promotion Period). For every HK$1 card spending, cardholder shall enjoy extra 7 bonus points from the Travel Insurance 8X Bonus Point Reward in addition to the 1 bonus point granted by the Fubon/YATA Credit Card Bonus Point Program. Other transactions including but not limited to cash advance, administration fee, installment plan and finance charges are not eligible for the Travel Insurance 8X Bonus Point Reward. No bonus point will be offered to any unposted, cancelled or refunded transactions. The extra bonus point(s) under the Travel Insurance 8X Bonus Point Reward will be automatically awarded to cardholder’s principal card account (must be valid and in normal status) in March 2023 and/ or July 2023 and/ or November 2023 and/ or March 2024 and will be shown on cardholder’s principal card monthly statement. To borrow or not to borrow? Borrow only if you can repay!

To enroll or to learn more

• Call 2806 5038
• Click Here to enroll in Get “Z” Go – Single Trip Travel Plan
• Click Here to enroll in Get “Z” Go – Annual Travel Plan

 

Supreme Plan – worry-free coverage

Supreme Plan – worry-free coverage

• Cover is not limited to specified events for “Travel Delay Allowance” and “Journey Inconvenience Cover” to maximize coverage with minimal exclusions and conditions
• Enjoy “On-time Guarantee Allowance”
• Aged 76 or above can enjoy 100% full coverage for free for single trip travel plan³
• Free cover for Marathon and bike tour³
• Personal accident and medical expenses cover up to HKD1,500,000¹⁰
• Allow additional top-up for personal accident and medical expenses cover¹²

Elite Plan – multiple coverage

Elite Plan – multiple coverage

• Multiple cover on personal property including:
  - accidental loss of or damage to mobile phone, laptop computer, other personal belongings
  - loss of personal money
  - replacement cost of loss of travel documents and/or travel ticket
• Personal accident and medical expenses cover up to HKD1,000,000

Breezy Plan – basic coverage

Breezy Plan – basic coverage

• Personal accident and medical expenses cover up to HKD500,000
• Travel delay allowance for every 6-hour delay
• Cover loss of personal belongings up to HKD5,000

Single Travel Plan5	Annual Travel Plan6
•  Protection for a single trip within 180 days •  All age cover	•  Protection for frequent travelers •  Cover unlimited trips throughout a year •  Maximum 90 days for each insured journey •  Enjoy MediExpress China Medical Card service which provides guarantee for admission to an appointed hospital in China (only applicable to adult) •  Cover up to age 75

Maximize 1+1 synergy

Maximize 1+1 synergy

• Each adult can enjoy one accompanied child¹ covered for free to maximize 1+1 synergy²
• Enjoy unlimited number of 1+1 travellers
• No restriction on relationships to protect your friends, families and relatives in one single policy at ease

Protection without age limit

Protection without age limit

• No upper age limit for single trip travel plan
• Aged 76 or above can enjoy 100% sum insured without additional premium for single travel plan³

No worries for travel interruption

No worries for travel interruptionMultiple protection covers your pre-trip period until your return to Hong Kong:

• pre-trip/during the journey
  

  -	enjoy on-time guarantee allowance for over 3-hour delay3
  -	enjoy travel delay allowance for every 6-hour delay
  -	cover irrecoverable prepaid and unused, or additional costs incurred due to trip cancellation or interruption (e.g. hotel cost, transportation or event tickets cost, car rental, etc.)
  -	cover costs related to re-routing, trip cancellation, or overseas extra/ forfeited hotel cost overseas due to travel delay4
  -	flexibility to change policy cover period if there is a change in travel plan (for same duration and same travelers only)

• in case your trip is interrupted and you are unable to return to Hong Kong as scheduled
  

  -	free travel insurance extension up to 10 days
  -	cover all irrecoverable additional costs incurred due to trip interruption

Worry-free cover anytime anywhere

Worry-free cover anytime anywhereNo matter you are a leisure traveller or an adventurer, you may enjoy your trip with extra peace of mind.

• free cover for Marathon and bike tour³
• cover various amateur activities
• cover on accident and losses due to terrorism
• Well covered follow-up medical expenses up to 100% sum insured for accidental injury and no daily limit on Chinese medicine/chiropractic treatment
• cover all countries under the same premium
• cover for Outbound Travel Alert issued against the travel destination before or during the journey
• third party liability cover and rental vehicle excess including non-operating charge (NOC)
• cover accidental loss or damage of mobile phone⁴
• provide 24-hour global emergency assistance services to help you during difficult times

Optional benefits

Optional benefitsTailor your plan according to your needs

• Full coverage for accompanied child²
• Additional personal accident and medical expenses cover³ (only applicable to adult for Supreme Plan) – upgrade your coverage to a maximum of HKD2,000,000 per section

Travel with extra peace of mind with COVID-19 protection

Travel with extra peace of mind with COVID-19 protectionPre-trip
Cancellation of trip
Cover your unrecoverable prepaid and unused overseas travel costs in case of trip cancellation due to:

• you or your travel companion have contracted COVID-19 within 7 days before the departure date
• your household member has contracted COVID-19 and you are classified as a close contact and are required to undergo mandatory quarantine⁷ within 7 days before the departure date
• your residential building is under restriction-testing declaration within 1 day before the departure date

During the journey
Medical cover

• Cover medical expenses incurred due to injury or illness (including COVID-19) and provide overseas hospital daily cash benefit⁴
• Provide compulsory quarantine cash allowance³ if you are required to undergo unexpected compulsory quarantine⁸

Interruption of trip

• Reimburse your unrecoverable prepaid and unused expenses or additional overseas travel costs if you have to abandon or rearrange your trip due to contraction of COVID-19
• Reimburse your additional hotel accommodation expenses⁴ overseas due to unexpected mandatory quarantine⁷
• Zurich Care Protection safeguards your home contents, pets, children and elderly and missed event in Hong Kong during the extended period if your trip is interrupted^8,9

Post trip quarantine in Hong Kong
Medical cover

• Provide compulsory quarantine cash allowance³ due to unexpected compulsory quarantine by the Hong Kong Government within 3 days upon completion of the insured journey and returning to Hong Kong
• Zurich Care Protection also protects you if such compulsory quarantine by the Hong Kong Government is required
• Cover follow-up medical expenses for illness (including COVID-19) within 3 months upon completion of the insured journey returning to Hong Kong

Zurich Care Protection

• Home: protect your home contents against burglary or fire
• Pet: cover the additional accommodation expenses of your pets
• Child and Elderly: reimburse the additional costs of hiring a personal care worker or temporary accommodation in a childcare or elderly care centre
• Missed event: cover prepaid, unused and unrecoverable costs of your missed events, such as staycation or concert, etc.

Group travel discount

Group travel discount Enjoy premium discount when enrolling as a group

• 10% premium discount for 7 to 12 persons
• 15% premium discount for over 12 persons

Benefits Table

Benefits Table

Section	Benefits	Maximum benefits per adult per insured journey (HKD)
		Supreme Plan	Elite Plan	Breezy Plan
1	Medical Cover
	(a) Medical expenses
	– age 75 or below	1,500,00010	1,000,000	500,000
	– age 76 or above	1,500,00010	500,000	250,000
	Including:
	– follow-up for injury	100% of maximum benefits
	– follow-up for illness	10% of maximum benefits
	– follow-up for Chinese medicine or chiropractic treatment	3,000
	– Overseas travelling expense for seeking medical treatment	300
	(b) Compassionate death cash	15,000	10,000	Not applicable
	(c) Overseas hospital daily cash benefit	5,000 (500 per day)	3,000 (300 per day)	Not applicable
	(d) Daily cash allowance due to unexpected compulsory quarantine	5,000 (500 per day)	Not applicable	Not applicable
2	Zurich Emergency Assistance
	(a) Deposit guarantee for hospital admission	39,000
	(b) Emergency medical evacuation	Actual cost
	(c) Repatriation of mortal remains	Actual cost
	(d) Compassionate visit	One economy class round-trip travel ticket and hotel accommodation expenses up to 700 per day (max. 5 days)
	(e) Travelling and accommodation expenses	One economy class one-way travel ticket and hotel accommodation expenses up to 1,950 per day (max. 4 days)
	(f) Return of unattended children	One economy class one-way travel ticket and up to 30,000
	(g) 24-hour telephone hotline and referral services	Included
	(h) MediExpress China Medical Card service	Included (applicable to annual travel plan and insured adult only)
3	Accident Cover
	(a) Personal accident
	(i) Accident on public common carrier or during terrorism
	– age 75 or below	1,500,000	1,000,000	500,000
	– age 76 or above	1,500,000	400,000	200,000
	(ii) Other accidents
	– age 75 or below	1,000,000	800,000	400,000
	– age 76 or above	1,000,000	400,000	200,000
	(b) Burns accident	500,000	200,000	Not applicable
4	Personal Property Cover
	(a) Personal belongings, including the following sub-limits:	20,000	15,000	5,000
	– per set/item/pair	3,000
	– mobile phone (one per insured journey)	3,000	3,000	Not applicable
	– all cameras and camcorders and related accessories and equipment	5,000	5,000	3,000
	– laptop computer	10,000	10,000	Not applicable
	(b) Loss of personal money	3,000	2,000	Not applicable
	(c) Replacement cost for loss of travel document and/ or travel ticket	3,000	2,000	Not applicable
5	Delay Cover
	(a) Travel delay allowance (HKD300 for every 6 hours)11	2,000	1,000	300
	– Cover is not limited to specified events	Applicable	Not applicable	Not applicable
	(b) Baggage delay allowance (over 6 hours)	800	500	Not applicable
	(c) On-time guarantee allowance (over 3 hours)	300	Not applicable	Not applicable
6	Journey Inconvenience Cover11
	– Cover is not limited to specified events	Applicable (subject to policy exclusions)	Not applicable	Not applicable
	(a) Cancellation of trip	40,000	20,000	5,000
	(b) Interruption of trip	40,000	20,000	5,000
	(c) Hotel cost due to travel delay (over 6 hours)	2,000	1,000	Not applicable
	(d) Cancellation of trip due to travel delay (over 12 hours)	5,000	2,500	Not applicable
	(e) Hotel cost in overseas due to unexpected quarantine	50% of hotel cost up to 1,000 per room per day (max. 7 days)		Not applicable
7	Liability Cover
	(a) Personal liability	2,500,000	2,000,000	1,000,000
	(b) Rental vehicle excess	15,000	10,000	Not applicable
8	Zurich Care Protection (applicable to Single trip travel plan only)
	(a) Home protection	5,000		Not applicable
	(b) Pet protection
	(c) Child and elderly protection
	(d) Missed event protection
Free Extended Cover on Bike Tour and Marathon		Applicable	Not applicable	Not applicable
Optional Benefits12
Optional Benefit 1 - full coverage for accompanied child		Applicable
Optional Benefit 2 - additional personal accident & medical expenses cover		1,000,000 or 2,000,000	Not applicable	Not applicable

Single trip travel plan

Single trip travel plan

	Premium (HKD)
	Supreme Plan		Elite Plan		Breezy Plan
Day	Adult13 / Child14	Optional benefit 1 / Additional accompanied child15	Adult13 / Child14	Optional benefit 1 / Additional accompanied child15	Adult13 / Child14	Optional benefit 1 / Additional accompanied child15
1	178	53	143	43	80	25
2	208	63	153	46	90	30
3	238	73	173	53	100	35
4	308	93	233	73	120	40
5	348	103	273	83	160	55
6	398	113	323	96	210	60
7	418	123	348	103	220	65
8	438	133	383	113	230	70
9	468	143	393	116	240	75
10	498	153	413	123	260	80
11	558	163	458	136	270	85
12	578	173	493	146	290	90
13	618	183	523	156	300	95
14	658	193	553	166	310	100
15	718	213	613	183	350	105
16 - 20	758	233	643	193	400	120
21 - 25	848	253	713	213	450	135
26 - 30	948	283	813	243	480	145
Each additional day	42	13	30	9	22	7

Optional benefit 2 – Additional personal accident and medical expenses cover (applicable to adult for Supreme Plan only)

Optional benefit 2 – Additional personal accident and medical expenses cover (applicable to adult for Supreme Plan only)

Day	Premium (HKD)
	HKD1,000,000 per section	HKD2,000,000 per section
1-5	65	100
6-10	140	200
11-15	210	320
16-20	270	420
21-25	330	530
26-30	400	650
Each additional 5 days	80	120

Annual travel plan¹⁶

Annual travel plan¹⁶

	Premium (HKD)
	Supreme Plan		Elite Plan	Breezy Plan
Adult13 / Child14	2,890		2,280	1,480
Optional benefit 1 / Additional accompanied child15	868		688	448
Optional benefit 2 – Additional personal accident & medical expenses cover (applicable to adult for Supreme Plan only)
HKD1,000,000 per section	980		Not applicable
HKD2,000,000 per section	1,480

Free Outbound Travel Alert (OTA) Benefit

Free Outbound Travel Alert (OTA) Benefit

Benefits	Red OTA	Black OTA
Before departure
Cancellation of trip	Up to 50% of maximum benefits	Up to 100% of maximum benefits
During journey
Interruption of trip	Up to 50% of maximum benefits	Up to 100% of maximum benefits
Cash allowance For involuntary stay behind due to Black OTA after the journey has begun	Not applicable	HKD500 per day (up to 10 days)

Remarks：

1. The OTA benefit is only applicable to the destination(s) where the Red or Black OTA is/are not hoisted by the HK Security Bureau on policy effective date.
2. Benefit on cancellation or interruption of trip is in accordance to policy terms and conditions.

Footnotes:
¹Benefits of accompanied child is 50% of an adult (unless the “Full coverage for accompanied child” in optional benefit is selected).
²Not applicable to group or corporate application.
³Only applicable to Supreme Plan.
⁴Only applicable to Elite Plan and Supreme Plan.
⁵Single trip travel plan offers cover for single trip within 180 days for all ages.
⁶Annual travel plan covers up to aged 75 with unlimited trips throughout a year, subject to maximum 90 days for each insured journey.
⁷Mandatory quarantine means that you must undergo such quarantine or else you will be liable on conviction of a fine and/or imprisonment if you do not comply with such quarantine restriction and regulation. You must submit a written notice from the relevant government with details of the quarantine requirements including your name, reason, dates and duration.
⁸Compulsory quarantine means that you are being confined in an isolated ward of a hospital or kept in an isolated site appointed by the government for at least one full day and continuously stay in there until discharged from the quarantine.
⁹Please refer to Section 6(b) in the policy document for details of the covered events, including both COVID-19 related perils and other covered perils.
¹⁰The maximum amount insured for COVID-19 related medical expense is HKD1,500,000.
¹¹You can only claim for one of these benefits.
¹²Not applicable to COVID-19 related losses.
¹³Adult refers to any insured person aged 18 or above, each accompanied child travelling with an adult can enjoy coverage for free and the benefits of accompanied child is 50% of an adult (unless the “Full coverage for accompanied child” in optional benefit is selected).
¹⁴Child refers to insured person aged 17 or below who travel alone.
¹⁵Each accompanied child travelling with an adult can enjoy free coverage while additional accompanied child will be charged according to the premium table (if any).
¹⁶Age limit for annual travel plan is up to 70 years old and the maximum renewal age is 75 years old.

Terms and Conditions

Major exclusions:

1.	Any known events and conditions;
2.	riding or driving in any kind of motor racing; or competition; or engaging in a sport in a professional capacity; or any activities where you would or could earn income or remuneration from engaging in such activities;
3.	trekking at an altitude greater than 5,000 meters above sea level or diving to a depth greater than 40 meters below sea level;
4.	activities involves a high level of expertise, or exceptional physical exertion, or exposure in extreme environment, or use of specialised gear or equipment;
5.	suicide or intentional self-inflicted injury;
6.	mental disorders, under the influence of alcohol or drugs;
7.	pregnancy, childbirth;
8.	war, civil war, rebellion, insurrection, revolution, usurped power, military force or coup.

Important notes:

1.	The insurance is not applicable to person holding the People’s Republic of China passport and travels to/within China, unless he/she has an official document issued by the overseas Government (other than China) as proof that he/she is a legal resident of the respective country but travelling with a passport of the People’s Republic of China.
2.	For annual travel plan, all trips must depart from and return to Hong Kong.
3.	For single trip travel plan, if the insured journey is not departing from Hong Kong, the travel arrangements must be made and paid in Hong Kong. However, any follow-up medical expenses under Section 1(a) – Medical expenses of the policy shall not be available to the insured journey which is not departing from and returning to Hong Kong.
4.	For one-way single trip travel plan, the insured journey shall not exceed seven days upon arrival at the declared overseas final destination. If the declared final destination is Hong Kong, the policy shall cease after the insured person checks out from the Hong Kong immigration counter upon arrival.
5.	No refund of premium is allowed once the policy is issued for single trip travel plan.
6.	The policy does not cover any loss resulting directly or indirectly from COVID-19 which is diagnosed within seven days after the enrollment date. For annual travel plan, it means in respect of each insured journey, either (i) the date of acceptance of the enrollment for this policy by the insurance underwriter or (ii) the date stated on the receipt issued by the travel agent or public common carrier for the confirmation of payment of travel ticket or tour, whichever is the later.
7.	The insured must fulfil the entry rules and conditions including vaccination requirement both in Hong Kong and your planned travel destination(s), otherwise, no coverage of the policy shall be provided, and no benefits shall be paid under this policy.
8.	The above information is for reference only and does not constitute any part of the insurance contract. For full terms and conditions and exclusions, please refer to the policy document itself which shall prevail in case of inconsistency.
9.	Zurich Insurance Company Ltd (“Zurich”) is the insurance underwriter of the above insurance plan and is authorized and regulated by the Insurance Authority. Zurich is solely responsible for all approvals, coverage and compensation under this policy and reserves the right of final approval and decision on such matters.
10.	Zurich is not a subsidiary or an affiliate of Fubon Bank (Hong Kong) Limited (“Fubon Bank”).
11.	Fubon Bank is the licensed insurance agency appointed by Zurich, and is responsible for introduction of the insurance plans. The Plan is not the product of Fubon Bank. Fubon Bank is not responsible for approval, coverage and compensation under the Plan.
12.	In case you file a written complaint regarding the selling process or processing of the related transaction to Fubon Bank and the complaint is an “Eligible Dispute(s)” as defined in the Terms of Reference for the Financial Dispute Resolution Centre, Fubon Bank is required to enter into a Financial Dispute Resolution Scheme process with you if the Eligible Dispute cannot be resolved after Fubon Bank has issued the final written reply. If the complaint/dispute is related to the policy terms and conditions, it should be resolved directly between Zurich and you.
13.	Levy collected by the Insurance Authority (if any) has been imposed on this policy at the applicable rate and would be remitted in accordance with the prescribed arrangements. For further information, please visit Zurich's company website: http://www.zurich.com.hk/ia-levy.
14.	Zurich is a company incorporated in Switzerland with limited liability and its principal place of business in Hong Kong is at 25-26/F, One Island East, 18 Westlands Road, Island East, Hong Kong.
15.	The English version shall prevail in case of inconsistency between the English and Chinese versions.