Get “Z” Go+ is designed to provide multiple coverage and give you extra peace of mind while you explore new destinations around the globe. The wide range of benefits protect you throughout your whole journey, starting from your confirmation of trip itinerary until the time you get back to your home after the journey.

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 The Promotion Offer is subject to terms and conditions. From now until 31 December 2024, 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 Visa Infinite, 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 Card 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 2024 (“Promotion Period”). This Promotional Offer cannot be used in conjunction with other offers. No person other than the customer who enjoys any offer and Fubon Bank will have any right under the Contracts (Rights of Third Parties) Ordinance to enforce or enjoy the benefit of any of the provisions of these Terms and Conditions. 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 2024 and/ or July 2024 and/ or November 2024 and/ or March 2025 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

Maximize protection for kid

Maximize protection for kid

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

Stay protected on the go

Stay protected on the go

• Up to HKD 1,500,000 coverage for medical expenses
• Up to HKD 1,500,000 coverage for personal accident
• Up to HKD 3,000,000 coverage for liability protection³ and up to HKD 20,000 rental vehicle excess cover³
• Up to HKD 25,000 personal property coverage including mobile phone³ and laptop computer cover
• Up to HKD 50,000 trip cancellation and interruption cover
• Cover for Outbound Travel Alert issued against the travel destination before or during the journey
• Provide 24-hour global emergency assistance services to help you during difficult times

Experience your travel with new thematic optional benefits

Experience your travel with new thematic optional benefits

• Amateur Sports Events and Training and Bike Tour, Cruise Tour Cover⁴ and Pet Cover are available as optional benefits to cater to your needs

Peace of mind for travelers of all age

Peace of mind for travelers of all age

• No upper age limit for single trip travel plan
• Aged 76 or above can enjoy 100% sum insured

Carbon Neutrality Program

Carbon Neutrality Program

• Carbon Neutrality Program will neutralize the carbon emissions of your scheduled flight and reduce the environmental impact of your trip, making your travel more sustainable. All Get “Z” Go+ policyholders can opt to enjoy this benefit for free during application journey.

Travel with extra peace of mind with our multiple protection

Travel with extra peace of mind with our multiple protection

Pre-trip

• Flexibility to change policy cover period if there is a change in travel plan (for same duration and same travelers)

Accident cover

• Cover the period when you travel from your home/employment place to immigration counter of Hong Kong

Cancellation of trip

• Provide trip cancellation cover⁵ of up to HKD 50,000

During the trip

During the trip Medical cover

• Cover medical expenses incurred due to accidental injury or illness and provide overseas hospital daily cash benefit³
• Provide quarantine cash allowance⁴ if you contracted infectious disease during your trip

Interruption of trip

• Cover irrecoverable prepaid and unused travel expenses incurred and the additional travel ticket cost and/or accommodation expenses reasonably and necessarily incurred for you to return to Hong Kong or travel to your other scheduled travel destination, due to journey interruption
• Provide travel delay allowance if there is a flight delay caused by air traffic control, operation reason, etc. (Cover is not limited to specified event but subject to conditions and exclusions applicable to the respective section and conditions and General Exclusions in the policy)
• Free travel insurance extension up to 10 days in case your trip is interrupted by circumstances beyond your control after departure, and you are unable to return to Hong Kong as scheduled (no extension is allowed beyond 10-day period)

Accident cover

• Provide personal accident coverage throughout the entire journey

Personal property cover

• Provide coverage for personal property such as mobile phone³, tablet computer or even camera drone

Post-trip

Post-trip Medical cover

• Cover follow-up medical expenses for illness or accidental injury within three months upon your return to Hong Kong

Personal property cover

• Zurich also provide coverage for damage to your luggage upon arrival in Hong Kong after the trip

Table of benefits

Table of benefits

Section	Benefits	Maximum benefits per adult/elderly per insured journey (HKD)
		Deluxe Plan	Comprehensive Plan	Essential Plan
1	Medical Cover
	(a) Medical expenses
	– age 75 or below	1,500,000	1,000,000	400,000
	– age 76 or above
	Including:
	– follow-up for accidental injury	100% of maximum benefits
	– follow-up for illness	10% of maximum benefits
	– Chinese medicine or chiropractic treatment expenses (Both treatment expenses in overseas and follow-up in Hong Kong)	5,000	3,000	2,000
	– 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
2	Zurich Emergency Assistance
	(a) Deposit guarantee for hospital admission	39,000
	(b) Emergency medical evacuation	Actual cost		200,000
	(c) Repatriation of mortal remains	Actual cost		200,000
	(d) Compassionate visit	1 economy class round-trip travel ticket and hotel accommodation expenses up to 700 per day (Maximum 5 days )
	(e) Travelling and accommodation expenses	1 economy class one-way travel ticket and hotel accommodation expenses up to 1,950 per day (Maximum 4 days )
	(f) Return of unattended children	1 economy class one-way ticket and up to 30,000
	(g) 24-hour telephone hotline and referral services	Included
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
	(ii) Other accidents
	– age 75 or below	1,000,000	800,000	400,000
	– age 76 or above
	(b) Burns accident	500,000	200,000	Not applicable
4	Personal Property Cover
	(a) Personal belongings	25,000	15,000	3,000
	Sub-limits:
	– per set/item/pair	3,000	2,000	1,000
	– mobile phone (1 per insured journey)	3,000	1,500	Not applicable
	– all camera drones, cameras and camcorders and related accessories and equipment	5,000	4,000	1,000
	– lap-top computer or tablet computer (1 per insured journey)	10,000	8,000	1,000
	(b) Loss of personal money	3,000	2,000	Not applicable
	(c) Replacement cost for loss of travel document or travel ticket	3,000	2,000	500
5	Delay Cover
	(a) Travel delay allowance (cover is not limited to specified events)5	1,600	1,200	Not applicable
	– each 5 hours of delay (up to 10 hours)	300	200
	– the next full 12 hours of delay	1,000	800
	(b) Baggage delay allowance (over 6 hours)	800	500
6	Journey Inconvenience Cover5
	Cover is not limited to specify event (Subject to conditions and exclusions apply to the respective section and conditions and General Exclusions in the policy)	Applicable	Not applicable
	(a) Cancellation of trip	50,000	20,000	3,000
	(b) Interruption of trip	50,000	20,000	3,000
	(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
7	Liability Cover
	(a) Personal liability	3,000,000	2,000,000	Not applicable
	(b) Rental vehicle excess (If your rental car is an electric vehicle, the maximum benefit stated under section 7(b) in the table of benefits will be increased by 20%)	20,000	10,000	Not applicable
Optional benefits11 (extra premium required)
1	Full coverage for accompanied child8	Applicable	Applicable	Applicable
2	Amateur Sports Event and Training and Bike Tour	Applicable	Applicable	Applicable
	(a) Top-up for overseas and follow-up medical expenses on Chinese medicine or chiropractic treatment	5,000	3,000	2,000
	(b) Loss of sports equipment	5,000	5,000	5,000
	(c) Pre-paid sport course and/or admission fees	5,000	5,000	5,000
3	Cruise Tour Cover	Applicable	Not applicable
	(a) Top-up for Section 6(a) and (b) - Cancellation and interruption of trip	20,000
	(b) Cancellation of shore excursion	5,000 (1,000 per excursion)
	(c) Visa fee due to change of cruise port location	500
4	Pet Cover	Applicable
	(a) Cancellation of trip due to serious injury or death of pet	Included under Section 6(a)
	(b) Pet care	5,000 (500 per day)
	(c) Accidental medical expenses for pet	3,000	3,000	3,000
	(d) Cremation fee	3,000	3,000	3,000

Premium table

Premium table
Single Trip Travel Plan

	Premium per insured person (HKD)
	Essential Plan
Day	Adult6/ Child7	Optional benefit 19/Additional accompanied child8	Elderly10
1	100	30	120
2	100	30	120
3	116	35	136
4	136	40	166
5	176	45	216
6	236	60	286
7	246	65	296
8	256	70	306
9	276	75	326
10	296	80	356

	Premium per insured person (HKD)
	Deluxe Plan			Comprehensive Plan
Day	Adult6/ Child7	Optional benefit 19/ Additional accompanied child8	Elderly10	Adult6/ Child7	Optional benefit 19/ Additional accompanied child8	Elderly10
1	223	55	263	168	42	200
2	223	55	263	168	42	200
3	263	65	313	198	50	238
4	353	85	423	268	70	318
5	393	95	473	318	80	378
6	443	110	523	378	92	448
7	493	125	583	388	95	468
8	523	130	623	428	105	518
9	553	135	663	438	110	528
10	583	145	683	468	115	558
11	643	160	763	518	130	628
12	683	170	803	568	140	678
13	723	180	843	598	150	708
14	773	195	883	638	160	748
15	833	210	943	708	175	828
16 - 20	913	230	1,013	768	190	968
21 - 25	1,023	255	1,223	848	210	1,018
26 - 30	1,133	285	1,353	988	245	1,188
Each additional day	48	12	60	35	10	42

Other optional benefits (applicable for Single Trip Travel Plan only)

Other optional benefits¹¹ (applicable for Single Trip Travel Plan only)

Day	Premium per insured person (HKD)
	Amateur Sports Event and Training and Bike Tour	Cruise Tour Cover (applicable for Deluxe plan only)	Pet Cover
1-5	120	140	60
6-10	250	280	120
11-15	400	500	200
16-20	550	650	280
21-25	700	780	360
26-30	850	980	420
Each additional five days	120	140	60

Annual Travel Plan¹²

Annual Travel Plan¹²

Premium per insured person (HKD)
	Deluxe Plan		Comprehensive Plan
Adult6 / Child7	3,180		2,580
Additional accompanied child8/Optional benefit 19	900		730

Extended Outbound Travel Alert (OTA) Benefit

Extended Outbound Travel Alert (OTA) Benefit

Benefits	Red OTA	Black OTA
Before departure
Cancellation of trip	Up to 50% of the prepaid and unused expenses which are not recoverable or the maximum benefits under section 6a (whichever is lower)	Up to 100% of the prepaid and unused expenses which are not recoverable or the maximum benefits under section 6a (whichever is lower)
During journey
Interruption of trip	Up to 50% of loss of unused expenses which are not recoverable or additional actual travel fare and accommodation expenses or up to the maximum benefits under section 6b (whichever is lower)	Up to 100% of loss of unused expenses which are not recoverable or additional actual travel fare and accommodation expenses or up to the maximum benefits under section 6b (whichever is lower)
Cash allowance For involuntary stay behind due to Black OTA after the journey has begun	Not applicable	HKD 500/day (up to 10 days)

Remarks

• The OTA benefit is only applicable to the destination(s) where the Red or Black OTA is not hoisted by the HK Security Bureau on policy effective date
• 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 selected the “Full coverage for accompanied child” in optional benefit is selected).
²Not applicable to group or corporate application.
³Only applicable to Comprehensive Plan and Deluxe Plan.
⁴Only applicable to Deluxe Plan.
⁵You can only claim for one of these benefits.
⁶Adult refers to any insured person aged 18 to 75, each accompanied child travelling with an adult can enjoy coverage for free and the benefits of accompanied child is 50% of an adult (unless selected “Full coverage for accompanied child” in optional benefit).
⁷Child refers to insured person aged 17 or below who travel alone.
⁸Each accompanied child travelling with an adult can enjoy free coverage while additional accompanied child will be charged according to the premium table (if any).
⁹Optional benefit 1 is the “Full coverage for accompanied child”.
¹⁰Elderly refers to any insured person aged 76 or above.
¹¹If any optional benefit is added, the coverage will apply to all insured persons under the same policy, and each insured person can enjoy full cover.
¹²Age limit for annual travel plan is up to 75 years old on the commencement date of the insurance policy and the maximum renewal age is 80 years old.

 

 

Terms and Conditions

Major exclusions

Any known events and conditions; 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; trekking at an altitude greater than 5,000 meters above sea level or diving to a depth greater than 40 meters below sea level; or activities involves a high level of expertise, or exceptional physical exertion, or exposure in extreme environment, or use of specialised gear or equipment; suicide or intentional self-inflicted injury; mental disorders; under the influence of alcohol or drugs, pregnancy, childbirth; 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. Each insured journey should not exceed 90 days and will recalculate if you return Hong Kong and set off again.
3.	For Single Trip Travel Plan: If you have applied the single trip travel plan, all trips must depart from and return to Hong Kong.
4.	No refund of premium is allowed once the policy issued for Single Trip Travel Plan.
5.	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.
6.	The insured journey of Get “Z” Go+ single trip Deluxe plan and Comprehensive plan shall not exceed 180 days, and the insured journey of Get “Z” Go+ single trip Essential plan shall not exceed 10 days.
7.	Annual Travel Plan accepts the renewal age up to 80 and covers unlimited trip throughout a year, subject to maximum 90 days for each journey.
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.