Travel insurance and Hong Kong stirkes

parc

Hey there

Flying into Hong Kong in a month and I'm worried about the strikes/protests.

I'm looking to buy travel insurance and noticed this in the document:

Not covered: claims arising directly or indirectly from:
a) strike or industrial action existing or being publicly announced by the
date you purchased this insurance or at the time of booking any trip.

Does this mean that technically as strikes/disruptions have been announced (protests have been going on for 10 weeks now) that I wouldn't be covered?

Thanks

Hoboo

Couldn't be more black and white.

parc

So yes - covered, or no - not covered?

parc

If the flight cancellations are lifted tomorrow, then how can we know that there will be cancellations when I fly? i.e. it will be covered, no?

dennyk

The events in Hong Kong are happening now, so you are aware of them; if you purchase insurance now and it turns out those events are still ongoing at the time of your trip, then your claim may be denied based on that.

That said, what is going on in Hong Kong would likely not be considered a "strike or industrial action"; it is a mass protest and would likely fall under the category of "civil unrest" or similar, which is almost certain to be entirely excluded from any travel insurance policy, so the timing of your insurance policy purchase is likely moot in this case. (And if things should escalate there, well, causes such as civil war and military hostilities will most definitely be excluded as well...).