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To address the coronavirus situation, we will be operating at reduced staff levels to deliver essential services only. Our hotline service hours will be temporarily shortened to 9am-7pm daily or you may email your enquiry to "personal@hl-insurance.com". Please be patient with us while we do our best to serve your needs. Reminder: If cancellation of trip or detention results from an insured person being denied entry to or exit from a destined country (including visa refusal) due to epidemic prevention or control, any loss so incurred by the insured person is not covered by his/her travel insurance policy with us, unless the trip cancellation or detention is caused by compulsory quarantine of the insured person.