While snowboarding in Japan I sprained my ribs and had trouble breathing. I was worried about medical costs overseas. FLY covered my treatment so I could focus on recovery.
Go anywhere.Covered everywhere.
Single-trip or annual travel plans — choose what fits your journey.
Instant activation
Claim in-app
180+ countries
3-day claims
Medical cover up to HK$1.5MAnnual / single trip plans
countries covered
medical cover up to
global emergency support
personal baggage cover
Why FLY?
Cover that truly matters
Global cover, rental excess, sports gear, and more — six reasons to choose FLY.
∞
unlimited trips
Worldwide cover for frequent travellers
Annual plans cover unlimited global trips at one flat premium (except for a few excluded countries/regions). If you travel abroad 3+ times a year, annual cover is often better value.
HK$18K
rental vehicle excess
Highest rental vehicle excess in Hong Kong
Self-drive holidays include rental excess cover up to HK$18,000 — among the highest in the local travel insurance market.
7
COVID-19 cover
7 COVID-19 benefits
Cover before departure, during your trip, and after you return (learn more).
HK$20K
baggage cover
Phone, camera & baggage cover
Personal baggage cover up to HK$20,000 — e.g. phone HK$2,500, camera HK$7,000, suitcase HK$3,000.
HK$5K
sports equipment
Built for sports lovers
Covers amateur sports such as snowboarding, scuba diving, and marathons; sports equipment loss or damage up to HK$5,000.
24/7
global support
24-hour support
Round-the-clock global emergency assistance while you're abroad.
*Single-trip cover lasts up to 182 days; annual plans cover trips up to 120 days each.
**Eligible ages: 0–79 (single trip) and 0–72 (annual travel).
Travel types
Different trips, different cover needs
From weekend getaways and business trips to year-round travel — pick the scenario closest to yours and get a quote.
Frequent traveller
Cover every trip this year.
Travel abroad more than 3 times a year? An annual plan pays for itself from your second trip.
- Annual unlimited trips
- Medical up to HK$1.5M
- Instant activation
Family
Protect the whole family.
FLY family plans cover everyone on the trip.
- Child escort benefit
- Compassionate visit
- Family medical up to HK$1.5M
Backpacker
Travel light. Protected heavy.
Lost bags, delays, and emergencies — from HK$67.
- Baggage up to HK$20,000
- Delay cash allowance
- Lost documents covered
Business traveller
Never let disruption cost you.
Cover pre-paid expenses, liability, and lost documents.
- Cancellation up to HK$40,000
- Liability up to HK$3M
- Lost documents covered
Adventure traveller
Even if things go wrong.
Hiking, trekking, and outdoor sports covered.
- Emergency evacuation
- Leisure sports covered
- 24/7 global assist
Cruise traveller
Shore to shore protection.
Premier FLY includes cruise-specific cover.
- Shore excursion cancellation
- Voyage accident cover
- Premier exclusive
Senior traveller
Travel with peace of mind.
Medical up to HK$1.5M and 24-hour emergency assistance.
- Medical up to HK$1.5M
- Emergency evacuation
- Covered up to age 79
Compare plans
How to choose the right plan
Pick single or annual travel first, then compare Standard, Classic, and Premier cover levels.
Standard from HK$67 · Classic from HK$94 · Premier from HK$127. Per person, single trip.
If you travel abroad more than 3 times in the next 12 months, annual cover is often better value. Hong Kong travellers most often compare trip delay, personal belongings, and medical expenses.
Standard
HK$67up
per person / single trip
- HK$500,000 medical
- HK$10,000 baggage
- HK$10,000 cancellation
- COVID-19 covered
Coverage Details
Medical ExpensesHK$500,000
Personal AccidentHK$350,000
Emergency Medical Evacuation
Trip CancellationHK$10,000
Trip CurtailmentHK$10,000
Travel Delay
Cash Allowance
$500OR
Loss of pre-paid expenses⁺ due to cancellation of trip
$1,000Personal BaggageHK$10,000
Personal LiabilityHK$1,000,000
24-hour Worldwide Emergency Assistance
*The coverage shown is the maximum limit（HK$).
Most Popular
Classic
HK$94up
per person / single trip
- HK$1,000,000 medical
- HK$15,000 baggage
- HK$20,000 cancellation
- COVID-19 covered
Coverage Details
Medical ExpensesHK$1,000,000
Personal AccidentHK$650,000
Emergency Medical Evacuation
Trip CancellationHK$20,000
Trip CurtailmentHK$20,000
Travel Delay
Cash Allowance
$500OR
Loss of pre-paid expenses⁺ due to cancellation of trip
$1,500Personal BaggageHK$15,000
Personal LiabilityHK$2,000,000
24-hour Worldwide Emergency Assistance
*The coverage shown is the maximum limit（HK$).
Premier
HK$127up
per person / single trip
- HK$1,500,000 medical
- HK$20,000 baggage
- HK$40,000 cancellation
- COVID-19 covered
Coverage Details
Medical ExpensesHK$1,500,000
Personal AccidentHK$1,000,000
Emergency Medical Evacuation
Trip CancellationHK$40,000
Trip CurtailmentHK$40,000
Travel Delay
Cash Allowance
$500OR
Loss of pre-paid expenses⁺ due to cancellation of trip
$2,000Personal BaggageHK$20,000
Personal LiabilityHK$3,000,000
24-hour Worldwide Emergency Assistance
*The coverage shown is the maximum limit（HK$).
ClassicMost Popular
HK$94up
per person / single trip
HK$1,000,000 medical
HK$15,000 baggage
HK$20,000 cancellation
COVID-19 covered
Coverage Details
Medical ExpensesHK$1,000,000
Personal AccidentHK$650,000
Emergency Medical Evacuation
Trip CancellationHK$20,000
Trip CurtailmentHK$20,000
Travel Delay
Cash Allowance
$500OR
Loss of pre-paid expenses⁺ due to cancellation of trip
$1,500Personal BaggageHK$15,000
Personal LiabilityHK$2,000,000
24-hour Worldwide Emergency Assistance
*The coverage shown is the maximum limit（HK$).
Coverage
30+ benefits. One policy.
Comprehensive worldwide protection — from medical emergencies to lost baggage.
Medical Expenses
Up to HK$1,500,000
Hospitalisation, surgery, and outpatient treatment overseas.
Personal Accident
Up to HK$1,000,000
Accidental death and permanent disablement benefit.
Emergency Medical Evacuation
Actual Cost
Emergency repatriation and medical evacuation costs.
Trip Cancellation
Up to HK$40,000
Pre-paid, non-refundable expenses if your trip is cancelled.
Trip Curtailment
Up to HK$40,000
Additional costs when your trip is cut short unexpectedly.
Travel Delay
HK$500 per 6 hrs
Compensation for delays over 6 hours, up to HK$2,000.
Personal Baggage
Up to HK$20,000
Lost, stolen, or damaged luggage and personal effects.
Personal Liability
Up to HK$3,000,000
Third-party liability coverage while abroad.
24-hour Worldwide Emergency Assistance
Included
Round-the-clock emergency assistance anywhere in the world.
Reviews
How FLY helps real travellers
My flight from India to Hong Kong was delayed over 6 hours. I claimed through YAS successfully, which helped ease the inconvenience.
In Korea I dropped my wallet into a gap and it was damaged when I retrieved it. I didn't expect to claim, but YAS approved the payout.
Claims
How we make claims easier for you
Board your flight — your policy is active instantly. View and claim anytime in the app.
Claim in the app
Upload documents and submit your claim through the app — quick and convenient.
Dedicated support
Questions? Contact the YAS team for help with your claim.
Streamlined process
Get your claim result in as little as 3 working days.
FAQ
Frequently asked questions
What travellers ask most before they depart.
Choose your plan and enter trip details → get an instant quote → pay online. Your policy takes effect immediately after purchase. You can view it anytime in the YAS app.
Looking for travel inspiration?
From popular sights to hidden gems, Bravel offers guides for Japan, Korea, Taiwan, Thailand, and more — to help you plan every trip.
Visit Bravel
Ready to go
Your next trip starts here.
Get covered in about 3 minutes — no paperwork, no waiting.