Booking windows have shrunk, routes keep shifting, and travelers want to tailor protection the same way they personalize flights and stays, so a one-size policy feels out of step with how trips are planned, revised, and lived on the go. Against that backdrop, a mobile-first insurance product that can expand or streamline in minutes meets a real need, pairing speed with substance for journeys that range from long-haul work sprints to weekend adventures. The latest launch focuses on simple plan choices, transparent pricing, and fast customization that slots into pre-departure checklists rather than derailing them, while still covering high-stakes moments like medical emergencies and personal accidents with clear limits and support.
In practical terms, the product centers on three pre-set plans calibrated for different comfort levels and budgets, then extends flexibility with daily-priced add-ons that match activities and destinations. Underwriting sits with a seasoned insurer and claims network, while onboarding and policy management happen entirely in-app with a few taps. The proposition also leans on a strong promotional start, pushing up to a 40% discount at launch to attract cost-conscious travelers who still expect robust coverage. With travel volumes rising and timing growing tighter, the pitch is straightforward: pick essentials fast, add extras only if needed, and move.
1. What It Is And Who It’s For
Mox introduced Travel Pick & Go as an app-only travel insurance designed for modern itineraries that change quickly and demand clarity at checkout. The service offers three clearly labeled plans and medical coverage up to HKD1,200,000, with pricing and inclusions visible before commitment. It is underwritten by QBE Hongkong & Shanghai Insurance Limited, coupling a digital-first experience with established underwriting. For a strong kick-off, Mox applied an introductory offer of up to 40% off, framing the launch around value without diluting the headline limits that matter for serious incidents far from home.
The audience spans frequent flyers, first-time explorers, and business travelers who want straightforward coverage without policy jargon or branch visits. Core protection is prepackaged to reduce decision fatigue, while optional add-ons let travelers target specific risks, such as winter sports falls or missed entertainment due to last-minute illness. Everything is powered from the Mox app, which positions the product as a quick companion to booking flows. The pitch resonates most with those who want protection that adjusts to the day’s plan rather than locking them into a rigid template for the entire trip.
2. Plan Choices And Core Protection
The product lineup centers on three plans—Basic, Value, and Max—so travelers can align protection with risk tolerance and budget. Medical expenses are a headline feature, topping out at HKD1,200,000, and include coverage for Chinese medicine practitioners and physiotherapy, which broadens care options in regions where those services are common. Personal accident protection reaches up to HKD1,000,000 for death, disablement, or serious burns, addressing worst-case scenarios with fixed limits and transparent definitions. Beyond that, every plan folds in 24/7 worldwide assistance for immediate support when logistics or language barriers complicate claims.
Broader travel protections cover the frictions that derail trips even when health is not the issue. Trip cancellation, curtailment, and rerouting come standard, as do baggage and travel delay benefits that offset costs and stress when plans go sideways. Missed events are included within comprehensive travel coverage, while a rental vehicle excess waiver adds relief for drivers navigating unfamiliar roads. Home and personal protections stretch coverage to the moments back home and on the move: mobile phone theft, fraudulent credit card use, emergency cash, and home contents protection provide spillover security before departure and after return.
3. Optional Add-Ons For Tailored Coverage
Customization is anchored in five add-ons priced from just HKD2 per day, allowing travelers to dial in extra protection for a fraction of the overall cost. The mobile phone theft add-on compensates if a device is stolen or damaged in a robbery or burglary while abroad, recognizing that phones are both wallets and lifelines. Credit card fraud protection extends coverage against unauthorized charges overseas, complementing card-level safeguards with policy-backed reimbursement. Together, these add-ons handle two of the most common risks that add financial sting to travel mishaps.
Experiential coverage rounds out the set. The missed events add-on reimburses tickets for sports, concerts, museums, or theme parks when attendees cannot make it due to sickness, emergencies, or transport breakdowns, with additional coverage if the tickets were purchased using a Mox card. The adventurous sports boost widens the safety net for skiing, surfing, and other recreational or adventurous activities, while the food poisoning allowance provides a set payout when diagnosed during a trip. In aggregate, the five choices let travelers compose coverage for a snow run, city hop, or beach week without paying for extras they will not use.
4. Why It Stands Out
The difference lies in speed and clarity: selection, customization, and checkout happen in the same app most travelers already use for daily finance tasks, reducing friction to near zero. Transparent plan labels and plainly stated limits lower the cognitive load that typically deters buyers who fear fine print more than price. Moreover, daily-priced add-ons introduce a measured way to strengthen protection only when the itinerary calls for it, which aligns cost with actual risk. The result is a product that feels modern because it connects coverage to behavior instead of asking travelers to fit a mold.
Underwriting and claims support come from QBE, whose regional footprint and global network are built for cross-border issues that emerge mid-trip. That foundation supports promises like 24/7 worldwide assistance and fast claims handling across time zones, while the app front-end keeps the experience tight. The holiday-timed launch discount of up to 40% further signals confidence in adoption, aiming to convert on-the-fence buyers who typically skip insurance or choose default options at checkout. In a crowded market, that blend of digital agility and traditional insurance strength helps the product punch above its weight.
5. How To Get The Launch Discount And What To Know
Grabbing the introductory offer is structured as three clear steps designed for speed. Step 1 – Start in the app: open the Mox app and tap More > Insurance. Step 2 – Pick your plan: select Travel Pick & Go and choose a plan that matches the trip’s length and risk profile. Step 3 – Tailor and confirm: add optional extras as needed, then follow on-screen steps to finish and get covered. The process is meant to take minutes, syncing neatly with booking confirmations or last checks the day before departure without pushing travelers through extra forms or phone calls.
Two important notes help set expectations. This article is a general summary; the actual policy wording governs exact terms, conditions, and exclusions. For details or to purchase, use the Mox app or visit mox.com/mox-travel-pick-and-go. Travelers should review destination-specific risks before finalizing add-ons and confirm ticket purchase methods when seeking missed events coverage, especially if aiming for the extra layer tied to the Mox card. With those checks done, the product delivered a practical pathway: build a base, snap on extras where risk spikes, and lock in savings while the launch offer lasted.
