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HSBC Premier Credit Card
Unlimited rewards points with no expiration.
35k Introductory Offer
Earn 35,000 Rewards Bonus Points worth at least $400 in air travel – after spending $3,000 in the first 3 months from Account opening 2
2× Travel Points
You’ll earn 2× Rewards Points on new travel purchases – including airline, hotels, and car rentals
1× on all other purchases You’ll earn 1× Points per $1 spent
No Annual Fee 5
- No Foreign Transaction Fees
- Competitive Variable APR 5 of 21.24% to 25.24% on Purchases and Balance Transfers
Redeem your points for rewards
- Redeem Points for flights, hotel reservations and car rentals using our online travel site
- Book your own airline travel, and receive a statement credit to reimburse the cost
- Transfer your Points to air miles with participating airline partner 3
Cash Rewards
- Reward yourself with cash back
- Direct deposit to your HSBC bank account
- Statement credits can be applied to your HSBC card account
- More than 100 brands in variable denominations 3
- Find the perfect fit across dining, travel, shopping, and entertainment 3
- Macy's, Starbucks, Home Depot®, Amazon.com, and Best Buy® are a few of the most popular in this vast collection 3
Merchandise
- A collection of over 3,000 items with new ones added every week 3
- Shop categories from luggage to electronics, kitchenware to fashion, and everything in-between 3
- Find top brands including Bose, Apple, Tumi, Dyson, Kate Spade New York, and many more 3
Explore this card
Travel benefits, everyday values and experiences, peace of mind.
Global Wi-Fi access with Boingo Enjoy complimentary unlimited premium Wi-Fi at over a million secure hotspots worldwide with Boingo 4 . Get simultaneous access for up to four devices.
Up to $85 TSA Precheck(R) Credit Receive one Statement Credit every 54 months, to cover up to $85 towards your TSA Precheck Application fee 6 .
(Not applicable towards the Global Entry Fee)
Mastercard Travel Rewards
Get exclusive offers from top brands in over 15 countries outside the U.S. including France, Hong Kong, U.K. and more when you use your HSBC Elite or Premier Credit Card. 3
Rewards For Miles
Transfer your Points into any of the Rewards for Miles partners’ loyalty programs. We have expanded the program to now include 11 airlines and 2 hotel partners.
- Learn More Learn More Modal link
View more travel benefits
No Foreign Transaction Fees There are no added costs when using your card to make purchases in a foreign country.
MasterRental TM Coverage Provides protection for physical damage and theft to most rental vehicles 4 .
Mastercard Travel & Lifestyle Services TM Connects you with access to luxury travel benefits, amenities and upgrades at some of the most sought-after travel destinations either by phone, email or a personalized online platform 4 .
Travel Accident Insurance Receive accidental death or dismemberment coverage of up to $1,000,000 when traveling 4 .
Trip Cancelation Insurance Reimburses you for your prepaid, non-refundable expenses in case you have to cancel your trip for a covered reason 4 .
Hotel and Motel Burglary Insurance Get reimbursed up to $1,500 per claim for personal property stolen or damaged from your hotel or motel room as a result of burglary by forcible entry 4 .
Lost Luggage Insurance Get reimbursed up to $1,500 per claim for checked or carry-on luggage that is lost or damaged while traveling on a common carrier 4 .
Baggage Delay Insurance Get reimbursed up to $250 per claim for the cost of essential items such as clothing and toiletries if your luggage is delayed in getting to your scheduled destination 4 .
Mastercard ® Airport Concierge Enjoy a 15% savings on Airport Meet and Greet services. Arrange for a personal, dedicated Meet and Greet agent to escort you through the airport on departure, arrival or any connecting flights at over 450 destinations worldwide 4 .
Priceless Experiences
Get exclusive, once in a lifetime experiences in the cities where you live, shop and travel.
Complimentary ShopRunner membership for unlimited, free 2-day shipping and free return shipping at over 140 online stores.
Take 3 rides, get a $5 Lyft App credit every month with your HSBC Credit Card. 4
Priceless Golf®
Discounted access to select golf courses, complimentary grounds passes for PGA Tournaments, Priceless Lessons with PGA Tour professional and much more.
Mastercard ID Theft Protection TM
If your identity is compromised, you’ll receive one-on-one support until your claim is resolved 4 .
Identity Fraud Expense Reimbursement
Provides expense reimbursement in the event your identity is compromised through identity fraud 4 .
Cellular Wireless Telephone Protection
Provides reimbursements up to $600 per claim if your cellphone is stolen or damaged 4 .
Tap & Go® with any HSBC Credit Card
Tap & Go® contactless payments are faster than swiping or inserting your card for payment.
- Place – Simply place your HSBC Credit Card close to a contactless payment terminal
- Hold – Briefly hold your card close to the terminal until it confirms the payment with a green light or beep,
- Done – Follow the prompts, and you're done!
Thousands of merchants accept contactless payments – use your card wherever you see the contactless symbol.
† Summary of Terms can be accessed here
HSBC Premier World Mastercard® credit card Rewards & Benefits and Mastercard Guide to Benefits brochure can be accessed here .
How to apply
To apply for an HSBC Premier World Mastercard® credit card, you must have an existing U.S. HSBC Premier checking 1 account relationship.
I have an HSBC Premier checking account relationship
New to HSBC
To apply for an HSBC Premier World Mastercard® credit card 1 , you must have an existing U.S. HSBC Premier checking account relationship. Explore the benefits today.
Existing HSBC Customer
Log on to Personal Internet Banking to apply for an HSBC Premier World Mastercard® credit card.
Contact our 24/7 Premier Customer Relationship Center.
888.662.4722 (HSBC)
If you’re calling from outside the US or Canada, call
716.841.6866
Find the Wealth Center closest to you to apply in person.
- Wealth Center locator
I do not have an HSBC Premier checking account relationship.
Applying to become an HSBC Premier client 1 has many benefits beyond access to the HSBC Premier World Mastercard® credit card.
- Learn more about HSBC Premier
- Fraud Protection
As an HSBC customer, you’re automatically enrolled in our fraud alert program.
- FICO®
See your FICO® score for free, along with key score factors, on your monthly statement.
- Mobile Payments
All HSBC credit cards are compatible with Apple Pay®, Google Pay TM , Fitbit Pay TM , Garmin Pay TM and Samsung Pay TM .
1 HSBC Premier World Mastercard® requires a U.S. HSBC Premier relationship. For a complete list of HSBC Premier Relationship eligibility requirements please visit https://www.us.hsbc.com/premier/ or speak with your Relationship Manager.
2 The 35,000 Rewards Bonus Points offer applies when you open a new HSBC Premier World Mastercard® credit card and charge the qualifying amount or more in new purchases (minus returns, credits and adjustments) within the first three (3) months from Account opening (“Promotional Period”). The Bonus Points offer does not apply to account upgrades, account transfers, balance transfers, credit card checks, cash advances or overdrafts. Your HSBC Premier World Mastercard® credit card must be open and in good standing at the time of Bonus Points fulfillment. Allow 4-6 weeks after the Promotional Period has ended for the Bonus Points to post to your Account. Customers who have opened the same credit card product within the last 36 months are not eligible to receive the Rewards Program Bonus Points offer.
3 As an HSBC Elite or HSBC Premier credit cardholder, you do not need to enroll or register for the Mastercard Travel Rewards program. This program is available to you automatically, at no additional cost. Merchants may provide to eligible HSBC Elite and HSBC Premier Mastercard credit cardholders (“cardholder”) certain discounts, rebates or other benefits on the purchases of goods and services ("Offers") that will be available on the Mastercard Site. Merchants may also have different payment acceptance criteria for online purchases (e.g., debit or prepaid cards may not be accepted). Such Offers are subject to certain Terms & Conditions and may change at any time without notice to you. Payment acceptance criteria is determined by the merchant in its discretion and may be visible on the Merchant website. HSBC or Mastercard will not be liable for any loss or damage incurred as a result of any interaction between you and a merchant with respect to such Offers. Except as set forth herein, all matters, including but not limited to delivery of goods and services, returns, and warranties are solely and strictly between you and the applicable merchants. You acknowledge that HSBC or Mastercard does not endorse or warrant the merchants that are accessible through the Mastercard Site nor the Offers that they provide. If applicable, all offer redemption is dependent on merchant shipping policies and availability to cardholder's shipping address. For all offers that are specified as “unlock additional online offers” cashback is not earned on shipping, handling, tax or the purchase and/or use of gift vouchers, which for avoidance of doubt, includes gift cards, gift certificates, or any other similar cash equivalents. Terms and conditions apply, see https://www.us.hsbc.com/credit-card-resource-center/premier/#rewards for additional information. All third party-trademarks are the property of the respective owners.
4 Certain restrictions, limits and exclusions apply. Visit https://www.lyft.com/mastercard for a full list of current merchant offers and applicable terms & conditions.
5 The information about the costs and benefits of the card described is accurate as of {{currentDate}}. The information may have changed after that date. To find out what may have changed, call 888.662.4722 (HSBC). A variable Purchase APR applies to credit card purchases and will be 21.24% to 25.24%, depending on your credit worthiness, for the HSBC Premier World Mastercard® credit card . A variable Balance Transfer APR applies to balance transfers and will be 21.24% to 25.24%, depending on your credit worthiness. The variable Cash APR applies to cash advances and is 30.24%. These APRs will vary with the market based on the Prime Rate. For each billing cycle, variable APRs are calculated by adding a specified amount (“Spread”) to the U.S. Prime Rate published in the Money Rates table of The Wall Street Journal that is in effect on the last day of the month (“Prime Rate”). If the Prime Rate changes, the new APRs will take effect on the first day of your billing cycle beginning in the next month. The Minimum Interest Charge is $1.00. A Balance Transfer Fee of either $10 or 4%, whichever is greater, will apply on each balance transfer. A check fee of either $10 or 4%, whichever is greater, will apply on each check written for purposes other than Balance Transfer. A Cash Advance Fee of either $10 or 5%, whichever is greater, will apply on each cash advance transaction. There is no Annual Fee and no Foreign Transaction Fee. See Summary of Terms for details .
6 Certain restrictions, limits and exclusions apply. Benefits may not be offered in every state. Coverage may be underwritten and managed by companies that are not affiliated with Mastercard® or HSBC Bank USA, N.A. Please refer to the HSBC Premier World Mastercard® credit card Rewards and Benefits brochure and Mastercard® Guide to Benefits brochure, for full details.
How you earn Rewards Program Points or Cash Rewards : You earn Points or Cash Rewards when you use your card to make new purchases (minus returns, credits and adjustments).
HSBC credit cards are issued by HSBC Bank USA, N.A., subject to credit approval and requires a U.S. HSBC checking account relationship. To learn more, speak with an HSBC representative.
Deposit products offered in the U.S. by HSBC Bank USA, N.A. Member FDIC.
Mastercard®, Tap & Go and the circles design are registered trademarks of Mastercard International Incorporated.
Mastercard® and the circles design are registered trademarks of Mastercard International Incorporated.
Google Pay is a trademark of Google LLC.
Apple Pay works with iPhone 6 and later in stores, apps, and websites in Safari; with Apple Watch in stores and apps; with iPad Pro, iPad Air 2, and iPad mini 3 and later in apps and websites; and with Mac in Safari with an Apple Pay enabled iPhone 6 or later or Apple Watch. For a list of compatible Apple Pay devices, see https://support.apple.com/km207105 .
Apple, the Apple logo, Apple Pay, Apple Watch, iPad, iPhone, Mac, Safari, and Touch ID are trademarks of Apple, Inc., registered in the U.S. and other countries. iPad Pro is a trademark of Apple Inc.
Samsung, Samsung Pay, Galaxy S7 and Samsung Knox are trademarks or registered trademarks of Samsung Electronics Co., Ltd. Other company and product names mentioned may be trademarks of their respective owners. Screen images are simulated; actual appearance may vary. Samsung Pay is available on select Samsung devices.
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HSBC Single Trip All-Inclusive Package – Travel Insurance
This package provides:.
• ambulance transportation and emergency evacuation/repatriation
• bedside companion; travel, meals and accommodation
- Up to $400 if you cancel for any reason
• emergency medical conditions which prevent you from travelling
• government recommendations, visa and passport
- Trip Interruption and Trip Delay
- Baggage and Personal Effects
- Flight Accident and Travel Accident
Other things you should know:
- Can be purchased up to the day before you leave
- Available to Canadian residents 84 years of age and younger
• Ages 0-64 – 180 days
• Ages 65-74 – 30 days
• Ages 75-84 – 10 days
- No medical questionnaire required • Pre-existing condition exclusions apply
- 24 hour emergency medical assistance
- Emergency travel assistance
- Concierge Service – if you don’t know where to go – we’ll tell you
- Can be used to supplement your 10 or 30-day HSBC annual trip coverage
If you’re planning at least two trips a year, that cost $3,000 or less per trip, our HSBC Annual Trip All-
Inclusive Package might just save you money
Newcomer or Visitor to Canada?
Emergency medical travel insurance for newcomers and visitors to Canada.
Frequently asked questions
Is this travel insurance the same coverage i have on my hsbc mastercard .
No. These offers are independent and separate from any travel coverage customers may have through their HSBC Mastercards.
Why should I buy travel insurance?
To protect against medical emergencies, trip interruption/cancellation/delay and baggage loss or delay.
Will these plans cover COVID-19 related medical care?
For information related to COVID-19 medical coverage, visit the Travel Guard COVID-19 notice
How much does HSBC Travel Insurance cost?
Cost is based on age, length of trip and trip cost. Click “ Get a Quote ” and find out in less than a minute what the coverage for your trip will cost.
When should I buy HSBC Travel Insurance?
All-Inclusive Single Trip can be purchased any time before leaving on your trip
All-Inclusive Annual Trip can be purchased any time before leaving on your first trip
What do the All-Inclusive Packages provide?
- Up to $3,000,000 Emergency Medical and Dental coverage
- Trip Cancellation, Trip Interruption and Trip Delay coverage
- Baggage and Personal Effects coverage
- Flight and Travel Accident coverage
- 24-hour Emergency Medical Assistance
- Emergency Travel Assistance
- Concierge Service
Please refer to the All-Inclusive Single Trip Summary of Coverage or the All-Inclusive Annual Trip Summary of Coverage as they contain terms, conditions, restrictions, limitations, exclusions and termination provisions.
Do HSBC travel insurance plans have any deductibles?
Is my family covered .
Yes, coverage is available to be purchased for your spouse and dependent children.
What is Trip Cancellation coverage?
Trip cancellation insurance provides reimbursement for the non-refundable portion of your trip cost if you have to cancel your trip due to a covered risk. What are the top three reasons why people cancel their trip?
- Medical conditions
- Travel advisory issued after your departure date
- Job loss or relocation
What is Trip Interruption coverage?
Trip interruption insurance provides reimbursement for expenses you pay if your trip is unexpectedly interrupted.
What are the top three reasons why trips are people interrupted?
- Medical conditions
- Delay of your transportation carrier
- Cruise interruption
What is Trip Delay coverage?
Trip delay insurance provides reimbursement for expenses you have to pay if your trip is delayed beyond your scheduled return date.
What is Baggage and Personal Effects Coverage?
Baggage Loss – Reimburses you for your baggage that is lost or damaged.
Baggage Delay – Reimburses you for the personal items you need to purchase if your checked baggage is delayed 12 hours or more.
Lost Document – Assists you in replacing your passport, driver’s license, birth certificate or travel visa if they are lost on your trip.
What if I want to be covered for everything?
Though there isn’t a policy that will cover everything, HSBC’s All-Inclusive Single and Annual Trip Packages offers you a wide range of coverages. See the Summary of Coverage for details.
I’m thinking of buying the annual plan; what if I want to stay longer than the 10 or 30 days covered?
You can purchase additional coverage through HSBC’s All-Inclusive Single Trip Package. It’s best to purchase before you leave on your trip to make sure you have coverage for your entire trip.
Call HSBC Travel Insurance at 1-877-202-3341 before you leave on your trip to purchase the additional days.
I have extended medical benefits through my work. Isn't that enough?
Not necessarily. Before travelling, consider that:
- Your employee package may only cover you and not your family
- Most employee packages only cover emergency medical. HSBC’s All-Inclusive Packages include trip cancellation, trip interruption, trip delay, baggage and personal effects.
- Employee packages usually do not include services such as Concierge or 24-hour Travel Assist
If I have a pre-existing medical condition, can I buy HSBC Travel Insurance?
Yes. Although some pre-existing medical conditions may not be covered, having a pre-existing medical condition doesn’t automatically exclude you from coverage. With any travel insurance coverage there are always exclusions that apply. Refer to the Summary of Coverage or call HSBC Travel Insurance at 1-877-202-3341 .
Who is eligible for HSBC All-Inclusive Packages?
Canadian Residents less than 85 years old and covered under a Government Health Insurance Plan (GHIP).
Should I take my Summary of Coverage with me on my trip?
Yes. It includes the terms of your insurance, as well as important contact information in case of an emergency. Read it carefully and consider keeping it with your passport, tickets, and other important information.
What should I do in case of an emergency during my trip?
Medical Emergency – Call the Medical Assist Department, available 24/7, before receiving medical treatment. Someone on your behalf must call as soon as possible if you are unable to call.
Travel Emergency – Call the Emergency Travel Assist department if you have missed a flight, lost your baggage or need to return home early.
How do I file a claim?
Contact us at the time of your emergency and we’ll get your claim started. Claim forms will be sent to you at home or your travel destination.
Your claim forms will outline what additional information is required, which may include receipts, police reports or original documents. Your claim is reviewed once the completed claim forms and all supporting documents are received.
Who do I call if I have any additional questions?
Call 1-877-202-3341 and a licensed representative will be pleased to answer your questions.
Who can I contact to file a complaint about my travel insurance?
If you want to file a complaint, please review the Complaint Resolution Policy , enter the details of your complaint, and a representative from Travel Guard Group Canada, Inc. will contact you.
Insurance underwritten by AIG Insurance Company of Canada (AIG Canada), with its principal place of business at 120 Bremner Boulevard, Suite 2200, Toronto, ON, Canada, M5J 0A8. All policies are administered on AIG Canada’s behalf by Travel Guard Group Canada, Inc. (Travel Guard). The description herein is a brief summary only. It does not include all terms, conditions, limitations, exclusions and termination provisions of the policies described. Please refer to the actual policies for complete details.
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Premier Worldwide Travel Insurance
As an HSBC Premier customer, you could enjoy the benefits of Premier Worldwide Travel Insurance at no extra cost
For the latest coronavirus travel guidance, take a look at what’s covered under HSBC Travel Insurance .
Premier Worldwide Travel Insurance is available to HSBC Premier account holders. Check eligibility .
What's covered?
Our cover gives you, your partner, your dependent children and grandchildren worldwide protection.
Premier Worldwide Travel Insurance is underwritten by Aviva Insurance Limited. Policy terms and conditions apply.
Please review the Premier Worldwide Travel Insurance Product Information Document below for an overview of the features, limitations and policy exclusions.
- Premier Worldwide Travel Insurance Product Information (PDF, 156KB) Premier Worldwide Travel Insurance Product Information (PDF, 156KB) Download
HSBC Premier
Travel insurance claims, are you eligible .
- do you hold an HSBC Premier account?
- are you under 70 years of age?
- are you resident in the UK?
- are any dependent children/grandchildren under 23 years of age, on the start date of the trip?
Children are only covered when travelling with you or your partner, or travelling with close relatives who are over 23 years of age, or travelling independently on a school/college trip with teachers/lecturers.
Grandchildren are only covered under the policy when travelling with you or your partner.
Medical conditions:
To make a medical claim you must be registered with a doctor in the UK.
You will need to call the HSBC Medical Risk Assessment Helpline on 0800 051 7457 before booking your trip if you or any insured person in the last 12 months have:
- been prescribed medication
- received or are awaiting medical treatment
- undergone or are awaiting tests or investigations
- been referred to a specialist, or admitted to hospital
for any condition not listed on the accepted conditions list.
Pre-existing medical conditions:
We can't offer cover for certain medical conditions on this product. You may be able to get cover for these from a specialist insurer. MoneyHelper has a list of these insurers – you can check its travel directory or call 0800 1387 777 . Please note, you may not be able to find cover for undiagnosed symptoms and you may need to wait until you have a diagnosis before getting cover elsewhere.
Before you travel
Coronavirus advice.
Read our guide to how coronavirus might affect your Travel Insurance .
For full details of the policy cover and our privacy notices please review the Policy Wording and Privacy Notice below.
If you're travelling in the EU, see how Brexit could affect you .
- HSBC Premier Worldwide Travel Insurance Policy Wording (PDF) HSBC Premier Worldwide Travel Insurance Policy Wording (PDF) Download
- Privacy Notice (PDF) Privacy Notice (PDF) Download
If you need to prove you have Travel Insurance, you can ask Aviva for confirmation of cover .
Make a claim
Be sure to contact the relevant helpline number for assistance as soon as you can, quoting your policy number if possible.
If you don't need urgent medical attention, you can make a claim online .
Travel claims line, 0800 051 7459.
Lines are open 24 hours a day, 365 days a year. We may monitor or record calls.
Customer services
03457 707070
Textphone 03457 125 563
Lines are open 24 hours a day, 365 days a year. We may monitor or record calls.
Medical assessment
0800 051 7457
Lines are open 08:00 to 21:00 every day, except Christmas Day, Boxing Day and New Year's Day – although this may be subject to change because of coronavirus. We may monitor or record calls.
Medical emergency
Outside the UK (+44) 1603 605 135
Inside the UK 0800 051 7458
Frequently Asked Questions
Who will be covered by this policy .
The cover is for you (the HSBC Premier account holder) and your domestic partner - provided that you are both under 70 years of age on the start date of your trip - and any dependent children or grandchildren travelling with you.
Your children are also covered if they're staying with a close relative, travelling with a relative who's over the age of 23, or going on a school/college trip independently with a teacher.
Children covered by this policy must be under 23. Grandchildren covered by the policy must be under the age of 23 and don’t have to live with you.
All insured persons must be residents of the UK, Channel Islands or Isle of Man.
Do I need to inform you about any medical conditions?
Before you book your trip, you'll need to call the HSBC Medical Risk Assessment Helpline on 0800 051 7457 if in the last 12 months you or any insured person have:
- been referred to a specialist
- been admitted to a hospital
for any condition not listed on the accepted conditions list in the 'Your Health' section of the policy booklet
Before you travel, you should also tell us if there have been any changes to your health or if you've been referred to a consultant or specialist or admitted to a hospital.
Undiagnosed symptoms are not covered. There's no cover for any claim where you knew at the time you opened your HSBC Premier Account or booked your trip (whichever is later) that you or your travelling companion might be unable to travel or might need to come home early - for example if one of you fell ill.
If you have any pre-existing medical conditions, check to see if they're covered in the 'accepted conditions' section of the policy booklet. If not, you need to call the Medical Risk Assessment Helpline who will confirm in writing whether they can be covered.
Are holidays in the UK covered?
Yes. Holidays taken solely in the UK, Channel Islands or Isle of Man are covered if they include at least 2 consecutive nights away from home and either pre-booked accommodation or pre-paid public transport.
Please see our definition of 'pre-booked holiday accommodation' in your policy document.
Are business trips covered?
Yes. You're covered for up to 31 days in any calendar year if you travel outside the UK in connection with an insured person’s job to carry out non-manual work. This includes administrative tasks, meetings and conferences.
We don't cover any claim in connection with an insured person’s job where the trip involves:
- manual or physical work of any kind
- working with children
- providing healthcare, policing, security or military service
- an insured person’s role as a politician, religious leader, professional entertainer or sportsperson
Can I extend the trip duration?
You may be able to purchase a policy upgrade for an individual trip. This will extend the trip duration to a maximum of 120 days.
Please call us on 0800 328 1562 at the point of booking your trip, and one of our advisors.
Will I be covered if I go on a cruise?
Yes. While this isn’t a specific cruise policy, cruises are covered as standard since they're simply another type of holiday. However, there is no cover for some items that cruise policies may specifically cover, e.g. missed ports, unused excursions, and change of itinerary.
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Travel Insurance
Even during a holiday, life doesn't always go according to plan. Our Travel Insurance policy offers you peace of mind via coverage for a range of outcomes, including trip cancellation and curtailment, baggage and personal effects, personal accidents and medical expenses while abroad.
How to apply
Apply online.
Complete our simple form to request a free, no-obligation insurance quote.
Apply by phone
Call us on + 1 441 299 5959 to enquire about HSBC Insurance.
Apply in branch
Visit us in branch to speak to one of our insurance experts.
How to make a claim
You can visit www.bfm.bm to request a Claims Form. All claims must be submitted directly to BF&M.
BF&M has a 24 hour 7 days a week Travel Assist hotline which offers support and assistance. Please have your policy number ready for reference or keep it in a safe place when travelling.
Local + 1 441 295 5566 , ext. 1005 Calling from Bermuda 9AM – 5PM Bermuda & North America + 1 800 738 3503 Toll free outside of 9AM – 5PM from Bermuda or all calls from US Worldwide Collect Calls + 1 819 566 7580 Reverse charge call from all countries
Who does Travel Insurance cover?
This policy covers anyone between the ages of 2 and 75. Depending on the coverage purchased, up to 6 individuals can be covered under the Family Travel Policy.
How long does travel insurance coverage last?
An Annual Travel Insurance policy will cover any number of trips in a single year. However, any one trip within that year cannot exceed 30 days. A Short Term Travel Insurance policy will cover up to a maximum of 14 travel days in total per year.
How often are premiums charged for travel insurance?
Premiums for Annual and Short Term Travel Insurance are paid at the time of purchase. This is a one-time payment. For Annual Travel Insurance; your policy will automatically be renewed provided the premium is paid within 30 days of the expiry of your previous policy. For Short Term Travel Insurance, the policy is not renewable after the 14 day coverage. However, you may purchase another Short Term Travel policy for additional trips.
Can I cancel this insurance at any time?
Yes, you can cancel your Travel Insurance policy within 14 days of the effective date and receive a full premium refund, provided you or any of the family members covered under the policy have not travelled outside of Bermuda during this period. If you cancel after the first 14 days, or if you or any of the family members covered under the policy have travelled outside of Bermuda within those 14 days, no premium refund can be made.
Are there any cities or countries excluded from my Travel Insurance policy?
Countries are not specifically excluded; however, travelling to countries that are experiencing civil unrest, riots or wars are not covered. You can contact BF&M for more information.
Important documents
- Travel Insurance Fact Sheet (PDF, 241 KB) Travel Insurance Fact Sheet (PDF, 241 KB) Download
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Loan Protection
Protect yourself and your family by ensuring that the balance of a consumer loan is covered in the event of death or incapacity.
Disclosures
Issued by HSBC Bank Bermuda Limited, of 37 Front Street, Hamilton Bermuda, which is licensed to conduct Banking and Investment Business by the Bermuda Monetary Authority. Issued by HSBC Bank Bermuda Limited of 37 Front Street Hamilton Bermuda, which is acting solely as an insurance agent of BF&M pursuant to its insurance agent’s license issued by the Bermuda Monetary Authority and accepts no responsibility for the underwriting, administering and claims handling of insurance products. HSBC Insurance is the brand name for insurance products offered by HSBC Group members. Terms and conditions apply.
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Your Worldwide Travel Insurance - Policy Summary and Policy Wording - HSBC Premier Policy Number: 011012
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Travel insurance
Free travel insurance for you and your loved ones
Travelling away from home without travel insurance puts you at risk of a number of situations. Needing medical treatment for illness, cancelled trips and other financial emergencies can turn your dream holiday into an overseas nightmare.
If you're a Premier or Advance customer, HSBC offers you free travel insurance. All you need to do is settle full or part payment of your flight, marine transport service and/or accommodation with a valid HSBC Premier/Advance debit or credit card.
Eligible accounts
What’s included.
Cover applies to you (the HSBC Premier or Advance customer) and your eligible family members* provided you are under 76 years of age for a maximum period of 90 days (HSBC Premier customer) or 60 days (HSBC Advance customer) per trip.
- free multi-trip worldwide cover
- personal accidents cover for unexpected injuries or fatal accidents
- medical expenses cover for medical treatment including hospital stays
- 24-hour emergency assistance for help when you need it most
- personal belongings cover for accidental loss, damage or theft of possessions
- travel cancellation and delay cover for when your holiday plans are disrupted
- personal liability cover for injury to someone else or damage to their property
- hire vehicle excess cover for Premier customers
A printable summary of the table of benefits highlighting your limits and excess can be found in our Important Documents page .
As with all insurance policies, terms and conditions, exclusions and limitations apply, so before each trip we recommend that you check carefully the policy documentation.
If you require additional cover, you are requested to contact Mediterranean Insurance Brokers (Malta) Ltd.
*Eligible members include partners living at the same address, as well as children living with you, under the age of 18 or under 25 if in full-time education.
Any questions
Policy queries.
Mediterranean Insurance Brokers
+356 2343 3234
Monday to Friday 08:30 - 17:00
Email Mediterranean Insurance Brokers
Premier customers
Premier Direct
+356 2148 9100
24 hours a day, 7 days a week
Advance customers
Advance dedicated line
+356 2148 9101
Monday to Saturday 08:00 - 18:00
In case of a medical emergency
In the event of a medical emergency during your trip, you must contact Global Response as soon as possible. Global Response is a world-wide organisation specialising in emergency assistance services. The service operates 24/7, 365 days a year for advice and assistance when making arrangements for hospital admission, repatriation and authorisation of medical expenses.
Over the phone: +44 (0) 292 066 2438
By email: [email protected]
Premier customers should quote Atlas Policy Certificate number - Travel: 167064 299 002
Advance customers should quote Atlas Policy Certificate number - Travel: 167064 299 001
How to make a claim
By phone.
+ 356 2343 3234
Monday to Friday from 08:30 to 17:00
Zentrum Business Centre
Level 2, Triq l-Imdina
Ħal Qormi, QRM 9010
This insurance is provided by Atlas Insurance PCC Limited and administered by Mediterranean Insurance Brokers (Malta) Ltd. A list of necessary information and documents required when making a claim can be found in our Important Documents page .
Important documents
You can download all the documents relating to our travel insurance, including terms and conditions, as well as information about what's covered and how to claim from our Important Documents page .
Frequently Asked Questions
Can i buy extra cover for a trip .
Yes, you can arrange additional cover for a trip at your own cost.
These optional extensions are available:
- Increased limit for rental vehicle excess (free up to €500 for Premier customers and can be bought separately by Advance customers)
- Winter sports extension
- Specified items extension
- Increase in baggage limit for cruises
- Cancellation of trip (extreme weather conditions)
- Maximum duration of trip extension
- Covid-19 extension
To discuss your needs and obtain a quotation, contact Mediterranean Insurance Brokers on +356 2343 3234 or email [email protected]
How long will I be covered for?
If you're a Premier customer you'll be covered for a single trip of up to 90 days; it's 60 days for Advance customers.
Am I covered for business trips?
Yes, the insurance covers both holidays and business travel.
Are eligible members travelling without being accompanied by the main cardholder still covered?
They are covered irrespective of whether travelling with the cardholder or not.
Eligible members include partners living at the same address, as well as children living with you, under the age of 18 or under 25 if in full-time education.
What information do I need when making a claim?
When making a claim it is important that you provide the necessary information and documents required, to enable Mediterranean Insurance Brokers to proceed with the handling of your claim. These may differ from one benefit to the other, however as a minimum the following documentation will be required:
- Completed claim form
- Passport Copy
- Copy of ID card of Main Card Holder
- Flight Tickets or e-tickets (departure and arrival)
- Luggage Tags
Depending on the claim being made, additional documentation may be required such as:
- Damage report by Airline/Cruise Line (Property Irregularity Report) if claiming for damaged luggage
- Police report for lost or stolen items, within 24 hours of discovery
- Medical Report/s (if claiming any medical expenses or cancellation of travel)
- Hotel Accommodation Vouchers
- Flight & Accommodation invoices & Receipts;
- Documentation to confirm reason/s for cancellation or curtailment;
- Cancellation confirmation from Airline / Agent indicating any refund due (if any);
- Evidence of money taken abroad – this may take the form of foreign exchange receipts or cash withdrawals in case of Euros.
For further guidance contact Mediterranean Insurance Brokers on +356 2343 3234 or email [email protected]
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- Nationwide Travel Insurance
- AXA Assistance USA
- Travel Guard
- Berkshire Hathaway Travel Protection
- Tin Leg Travel Insurance
- WorldTrips Travel Insurance
- Trawick International Travel Insurance
- Travelex Travel Insurance
Travel Insurance Tips
- Why You Should Trust Us
Ultimate Guide to Choosing the Best Travel Insurance
Our experts answer readers' insurance questions and write unbiased product reviews ( here's how we assess insurance products ). In some cases, we receive a commission from our partners ; however, our opinions are our own.
Traveling is an adventure, a leap into the unknown, a story waiting to unfold. But every story needs a safety net, and that's where travel insurance comes in. In this travel insurance guide, we'll embark on a journey to help you better understand travel insurance and uncover the benefits that make it an indispensable companion for any traveler.
Best Travel Insurance Companies
- Nationwide Travel Insurance : Best Overall
- AXA Assistance USA : Runner-Up
- Travel Guard : Best for Cruises
- Berkshire Hathaway Travel Protection : Best Reputation
- Tin Leg Travel Insurance : Best for Travelers with Preexisting Conditions
- WorldTrips Travel Insurance : Best for Digital Nomads
- Trawick International Travel Insurance : Best Low-Cost Option
- Travelex Travel Insurance : Best for Road Trips
Compare the Top Travel Insurance Offers
- Trip cancellation coverage of up to 100% of trip costs (for cruises) or up to $30,000 (for single-trip plans)
- Check mark icon A check mark. It indicates a confirmation of your intended interaction. Three cruise-specific plans to choose from
- Check mark icon A check mark. It indicates a confirmation of your intended interaction. Annual travel insurance plans available
- Check mark icon A check mark. It indicates a confirmation of your intended interaction. Strong trip cancellation coverage
- Check mark icon A check mark. It indicates a confirmation of your intended interaction. Cancel for any reason coverage available
- con icon Two crossed lines that form an 'X'. CFAR insurance not available with every single plan
- con icon Two crossed lines that form an 'X'. Medical coverage is lower than what some competitors offer
Nationwide Travel Insurance offers many of the standard benefits you might see with a travel insurance policy. This can include things like trip cancellation coverage, so you can recover pre-paid costs or trip interruption in the event your vacation is interrupted by an unexpected event. There's also baggage delay coverage and medical coverage.
- Cancel for any reason coverage available
- Trip cancellation coverage of up to 100% of the trip cost
- Check mark icon A check mark. It indicates a confirmation of your intended interaction. Generous medical evacuation coverage
- Check mark icon A check mark. It indicates a confirmation of your intended interaction. Up to $1,500 per person coverage for missed connections on cruises and tours
- Check mark icon A check mark. It indicates a confirmation of your intended interaction. Covers loss of ski, sports and golf equipment
- Check mark icon A check mark. It indicates a confirmation of your intended interaction. Generous baggage delay, loss and trip delay coverage ceilings per person
- con icon Two crossed lines that form an 'X'. Cancel for any reason (CFAR) coverage only available for most expensive Platinum plan
- con icon Two crossed lines that form an 'X'. CFAR coverage ceiling only reaches $50,000 maximum despite going up to 75%
AXA Assistance USA keeps travel insurance simple with gold, silver, and platinum plans. Emergency medical and CFAR are a couple of the options you can expect. Read on to learn more about AXA.
- Silver, Gold, and Platinum plans available
- Trip interruption coverage of up to 150% of the trip cost
- Emergency medical coverage of up to $250,000
Trip cancellation coverage for up to 100% of the trip cost and trip interruption coverage for up to 150% of the trip cost
- Check mark icon A check mark. It indicates a confirmation of your intended interaction. Trip cancellation coverage of up to 100% of the cost, for all three plan levels
- Check mark icon A check mark. It indicates a confirmation of your intended interaction. CFAR covers up to 75% of total trip costs (maximum of $112,500 on some plans)
- Check mark icon A check mark. It indicates a confirmation of your intended interaction. Medical coverage of up to $500,000 and evacuation of up to $1,000,000 per person
- Check mark icon A check mark. It indicates a confirmation of your intended interaction. Includes COVID coverage
- Check mark icon A check mark. It indicates a confirmation of your intended interaction. Above average baggage loss and delay benefits
- Check mark icon A check mark. It indicates a confirmation of your intended interaction. High medical evacuation coverage
- con icon Two crossed lines that form an 'X'. Premiums may run slightly higher than competitors
Travel Guard is a well-established and highly rated name in the travel insurance industry. It offers three main coverage options to choose from, and in general its policies have above-average coverage for baggage loss and baggage delays, plus high medical evaluation coverage limits.
- Trip cancellation coverage for up to 100% of the trip cost
- Trip interruption coverage for up to 150% of the trip cost
- Preexisting medical conditions exclusions waiver must be purchased within 15 days of initial trip payment
- Annual travel insurance plan and Pack N' Go plan (for last-minute trips) available
Covers up to 100% of trip cancellation costs, a minimum of up to $750 in luggage losses, and 24/7 worldwide travel insurance
- Check mark icon A check mark. It indicates a confirmation of your intended interaction. Offers up to 100% trip cancellation refund for eligible travel
- Check mark icon A check mark. It indicates a confirmation of your intended interaction. Plans are customizable with relevant add-ons
- Check mark icon A check mark. It indicates a confirmation of your intended interaction. Good customer service and easy sign up according to traveler reviews
- con icon Two crossed lines that form an 'X'. More affordable plans offer low caps on medical and emergency coverage
- con icon Two crossed lines that form an 'X'. Premiums are on the expensive side relative to comparable competitor plans
- con icon Two crossed lines that form an 'X'. Claims may take longer during peak travel seasons
Berkshire Hathaway Travel Protection is one of the leading insurance brands on the market. It offers several plans with key add-ons for travelers.
- This provider underwrites travel insurance policies for a number of other companies in addition to offering its own plans
- Travelers can file claims directly from a smartphone by using the BHTP app
- Check mark icon A check mark. It indicates a confirmation of your intended interaction. Policy coverage includes most pre-existing health conditions
- Check mark icon A check mark. It indicates a confirmation of your intended interaction. Generous medical and evacuation amounts for peace of mind
- Check mark icon A check mark. It indicates a confirmation of your intended interaction. COVID coverage included by default on all insurance plans
- Check mark icon A check mark. It indicates a confirmation of your intended interaction. Offers a wide range of plans for various budgets and travel needs
- Check mark icon A check mark. It indicates a confirmation of your intended interaction. Some plans offer CFAR, “cancel for work reasons,” financial default, and unemployment coverage
- con icon Two crossed lines that form an 'X'. Limited add-on coverage options
- con icon Two crossed lines that form an 'X'. Baggage loss and delay coverage is low compared to competitors
Tin Leg travel insurance offers eight travel insurance plans to meet the unique needs of travelers.
- Tin Leg was founded in 2014 by the travel insurance industry experts at Squaremouth. Designed to meet the most common needs of travelers, these policies offer comprehensive Trip Cancellation and Trip Interruption benefits, and a range of Emergency Medical and Medical Evacuation limits.
- Check mark icon A check mark. It indicates a confirmation of your intended interaction. Affordable base plans that can be customized with add-ons including rental car, pet care, hunting and fishing, and vacation rental coverage
- Check mark icon A check mark. It indicates a confirmation of your intended interaction. Insurance plans available for international student travelers
- Check mark icon A check mark. It indicates a confirmation of your intended interaction. Trip delay coverage benefit that kicks in after just five hours
- Check mark icon A check mark. It indicates a confirmation of your intended interaction. Pre-existing conditions waiver can be purchased within 21 days of initial trip payment
- con icon Two crossed lines that form an 'X'. Lower medical, evacuation and accidental death limits
- con icon Two crossed lines that form an 'X'. Limited, secondary baggage loss coverage although baggage protection can be upgraded at a low cost
- con icon Two crossed lines that form an 'X'. No special coverages for pets, sports equipment, etc.
WorldTrips has been a reputable travel insurance provider for more than 20 years. Unsurprisingly, it boasts an A+ rating from the Better Business Bureau and positive reviews from thousands of customers.
- Travel medical insurance (Premium, Group, Annual, and International Student options)
- Trip cancellation insurance
- Trip protection insurance
- Check mark icon A check mark. It indicates a confirmation of your intended interaction. Useful for adventurous travelers headed to higher-risk destinations
- Check mark icon A check mark. It indicates a confirmation of your intended interaction. Affordable plans with varying levels of coverage
- Check mark icon A check mark. It indicates a confirmation of your intended interaction. 10-day free look option
- Check mark icon A check mark. It indicates a confirmation of your intended interaction. Generous baggage loss replacement policy
- Check mark icon A check mark. It indicates a confirmation of your intended interaction. Trip delay coverage kicks in after just six hours
- Check mark icon A check mark. It indicates a confirmation of your intended interaction. Some policies allow a CFAR add-on
- Check mark icon A check mark. It indicates a confirmation of your intended interaction. Up to $1 million medical evacuation coverage limit
- con icon Two crossed lines that form an 'X'. Baggage and trip delay coverages don’t kick in until after the 12-hour mark
- con icon Two crossed lines that form an 'X'. International student policies available for temporary stints abroad
- con icon Two crossed lines that form an 'X'. Complaints about claims not being paid or involving an intermediary to resolve claims
Trawick International travel insurance offers plans customized to diverse travelers' needs. We look at coverage options, claims processing, pricing, and other important factors for savvy travelers.
- Travel medical insurance
- Trip protection and cancellation
- International student insurance
- Visitor medical insurance (for traveling to the US)
- Check mark icon A check mark. It indicates a confirmation of your intended interaction. Options to cover sports equipment
- Check mark icon A check mark. It indicates a confirmation of your intended interaction. Option to increase medical coverage
- Check mark icon A check mark. It indicates a confirmation of your intended interaction. Can cancel up to 48 hours before travel when CFAR option is purchased
- Check mark icon A check mark. It indicates a confirmation of your intended interaction. Affordable coverage for budget-conscious travelers
- Check mark icon A check mark. It indicates a confirmation of your intended interaction. Includes generous baggage delay, loss and trip delay coverage
- Check mark icon A check mark. It indicates a confirmation of your intended interaction. Optional "adventure sports" bundle available for riskier activities
- con icon Two crossed lines that form an 'X'. Only two insurance plans to choose from
- con icon Two crossed lines that form an 'X'. Medical coverage maximum is low at up to $50,000 per person
- con icon Two crossed lines that form an 'X'. Pricier than some competitors with lower coverage ceilings
- con icon Two crossed lines that form an 'X'. Some competitors offer higher medical emergency coverage
Travelex travel insurance is one of the largest travel insurance providers in the US providing domestic and international coverage options. It offers a basic, select, and America option. Read on to learn more.
- Optional CFAR insurance available with the Travel Select plan
- Trip delay insurance starting at $500 with the Travel Basic plan
- Emergency medical and dental coverage starting at $15,000
Best Travel Insurance Reviews
Best overall travel insurance: nationwide travel insurance.
Nationwide Travel Insurance is of the largest players in the travel insurance space, offering nearly endless options for any customer on the travel spectrum, including annual travel insurance plans which can offer frequent travelers the flexibility to "set it and forget it" on their travel insurance coverage.
Nationwide Essential also offers some of the most affordable policies in the market compared to similar plans from competitors, which makes it a great pick for just about anyone. Buyers can discuss bundling options as Nationwide also sells homeowners, auto, pet, and other insurance products. Its travel insurance quoting is just as easy as it has been with other Nationwide insurance products.
Nationwide Travel Insurance Review
Runner-Up: AXA Assistance USA Travel Insurance
AXA Assistance USA offers consumers a great option for no-stress travel insurance: low-priced plans, generous coverage limits on key categories including primary insurance on lost luggage, and up to 150% reimbursement for qualifying trip cancellations.
While add-ons are limited and rental car coverage is not included by default on cheaper plans, AXA is a perfect fit for travelers who don't plan to drive (or who already hold a travel credit card with rental car coverage), and don't need any additional bells and whistles.
AXA Assistance USA Travel Insurance Review
AIG Travel Guard Travel Insurance: Best Travel Insurance for Cruises
Travel Guard is well-known insurance provider, and a great fit for travelers who want to ensure that they can get their money back in the event of canceled or interrupted travel plans.
While the company's policies can be pricey compared to its competitors, the high medical and evacuation limits make AIG a solid choice for older travelers who value peace of mind and simplicity over highly customizable plans that may be bolstered with medical upgrades.
AIG Travel Guard Review
Best Travel Insurance for Company Reputation: Berkshire Hathaway Travel Protection
Berkshire Hathaway Travel Protection helps travelers make the best of bad situations by simplifying the process of filing a claim down to a simple photo snap and some basic paperwork submitted directly through a dedicated app.
Approved claims are also paid out very rapidly, making it easier to carry through with a trip when luggage has been lost or alternative travel plans need to be made on the fly.
Berkshire Hathaway Travel Insurance Review
Best for Travelers with Preexisting Conditions: Tin Leg Travel Insurance
Tin Leg Travel Insurance is a great fit for travelers with medical issues in particular. Thanks to coverage for preexisting medical conditions as well as for potential COVID-19 infection while traveling, this company offers some of the best financial investment options for travelers who are or will be exposed to higher health risks and issues.
Tin Leg Travel Insurance Review .
Best Travel Insurance for Digital Nomads: WorldTrips Travel Insurance
WorldTrips Travel Insurance has affordable premiums, highly customizable add-ons, and generous coverage for core categories of travel insurance. All this makes it a great option for digital nomads, students studying abroad and backpackers.
However, travelers should keep in mind that plans are not particularly flexible, and coverage amounts are limited unless you plan ahead to pay for the areas and amounts that you need.
WorldTrips Travel Insurance Review
Best Low-Cost Travel Insurance Option: Trawick International Travel Insurance
Trawick International Travel Insurance is another medically robust insurance provider that can help higher-risk and anxious travelers find peace of mind while on the road. This company offers one of the most generous medical evacuation policies in the market, although travelers will need to remember to add on rental car coverage if they need it.
Trawick Travel Insurance Review
Best Travel Insurance for Road Trips: Travelex Travel Insurance
Travelex Travel Insurance offers three plans:
- Travel Basic
- Travel Select
- Travel America
The Travelex American plan is meant for trips limited to the US, but it has the highest coverage limits in many areas compared to its other programs. If you're flying somewhere, the lost baggage limits are higher. Its natural strengths shine for road trippers, though. Travelex America adds coverage for roadside service and rental car coverage for unexpected accidents. It also covers pets should you be involved in an accident while on the road.
While your standard auto insurance does extend to car rentals within the US for a limited time, any accident would affect future rates. Travelex would eliminate the risk of reporting to your auto insurance provider for minor incidents within its purview.
Travelex Travel Insurance Review
Introduction to Travel Insurance
Why travel insurance is a must-have.
The unpredictable nature of traveling – from flight cancellations to medical emergencies – can turn your dream vacation into a nightmare. Travel insurance acts as a personal safeguard, ensuring that unexpected events don't drain your wallet or ruin your trip.
Understanding Different Types of Travel Insurance
Not all travel insurance policies are created equal. From single-trip travel insurance policies to annual travel insurance plans , from minimal coverage to comprehensive protection, understanding the spectrum of options is your first step in finding the right fit for your journey.
Key Features to Look for in Travel Insurance Coverage
Travel insurance for medical emergencies.
Imagine falling ill in a foreign country; daunting, right? A robust travel insurance plan ensures you don't have to worry about the financial aspect of receiving medical care while traveling , even in the most remote corners of the globe.
Trip Cancellation and Interruption Benefits
Life is full of surprises, some less pleasant than others. Trip cancellation and interruption coverage ensures that you're not left out of pocket if unforeseen circumstances force you to cancel or cut your trip short.
Coverage for Personal Belongings and Baggage Loss
Losing your belongings is more than an inconvenience; it's losing a piece of your world. Insurance that covers personal belongings and baggage loss ensures that you're compensated for your loss, helping you to rebound and continue your adventure.
Support and Assistance Services
In times of trouble, having a lifeline can make all the difference. Look for insurance that offers 24/7 support and assistance services, giving you peace of mind that help is just a phone call away.
Choosing Travel Insurance
Reputation and reliability of the travel insurance provider.
A provider's reputation is not just about being well-known; it's about reliability, customer satisfaction, and the ability to deliver on promises. Researching and choosing a reputable provider is a cornerstone in ensuring your safety and satisfaction.
Understanding the Policy's Fine Print
The devil is in the details, and understanding the fine print of what your travel insurance policy covers is crucial. Be aware of coverage limits, exclusions, and the process for filing a claim to avoid any unpleasant surprises.
Customer Reviews and Feedback
In the age of information, customer reviews and feedback are goldmines of insight. Learn from the experiences of others to gauge the reliability and customer service of the insurance provider you're considering.
How to Get the Most Out of Your Travel Insurance
Knowing your policy inside out.
Familiarize yourself with every aspect of your policy – what it covers, what it doesn't, how to file a claim, and who to contact in an emergency. Being informed means being prepared.
Steps to Take When a Problem Arises
If you face an issue during your travels, knowing the immediate steps to take can make all the difference. Keep important contacts and your policy details handy, and remember, your insurance provider is there to assist you.
How to Pick the Best Travel Insurance Company for You
There isn't a one-size-fits-all policy that works perfectly for every traveler. Young, healthy solo travelers can opt for much cheaper plans that offer bare-bones coverage, while families juggling complex itineraries will do best by investing in a robust policy that can help defray any costs associated with lost baggage, delayed transportation or other trip-impeding obstacles.
That being said, you can't go wrong with a travel insurance provider that boasts a reputable history and offers a wide range of customizable plans. In some cases, you may be comparing plans that are only a few dollars' apart from each other. In such situations, you should generally opt for the insurance company that offers the strongest customer service. It's also worth considering whether or not the travel insurance provider has been reviewed by other travelers with similar itineraries to your own.
An insurance aggregator like InsureMyTrip or Squaremouth is one of the best tools for searching travel insurance policies. Once you input the specifics of your travel itinerary, you'll be able to see hundreds of search results to compare the ones that catch your eye. If the options are too overwhelming, use the filters to the left of your search page to eliminate as many irrelevant plans as possible.
Yes, travel insurance typically offers some coverage of canceled flights, but if this benefit is important to you, make sure you read the fine print of your policy to make sure it offers adequate reimbursement. If you think you may need to cancel your travel plans, you should consider purchasing cancel for any reason (CFAR) travel insurance .
Travel insurance will pay out if you experience a covered event, such as a travel delay or delayed or lost baggage. If you're looking to get travel insurance for a specific reason, such as needing to potentially cancel your trip, make sure your policy will cover you in that situation before purchasing it.
Most comprehensive travel insurance policies include medical coverage that can come in handy if an emergency occurs and you need medical evacuation. Some travel insurance plans offer more specialized coverage for travelers with preexisting conditions, so shop around if medical coverage is a top priority for you.
$100,000 should be a sufficient medical coverage limit for travel insurance. If you're planning on doing extreme sports or anything particularly risky on your trip, you may want to increase your coverage level. A high medical coverage limit is especially useful when you're purchasing cruise travel insurance, since medical evacuations are more involved at sea.
Why You Should Trust Us: How We Chose The Best Travel Insurance Companies
To come up with our list of the best travel insurance companies, we evaluated each insurer based on the following factors:
Guide Methodology: What We Considered
Policy Types
Travel insurance is essential, but often underused partly because people aren't getting what they want. Business Insider's 2023 travel study showed 10.65% of travelers surveyed bought cancel for any reason insurance. Cost may be a factor, but in many cases, the coverage is more affordable than you might think. Regardless, companies must offer a diverse range of coverage options. We award 5 stars to companies offering all standard coverages and additional options like pet and sports equipment protection.
Our 2022 travel study indicated the majority of purchases were made through the travel provider (ex: flight protection insurance when you're purchasing your airline tickets). While these may be sufficient for some customers, we look for companies offering a more comprehensive range of services.
According to the US Travel Insurance Association, the average cost of travel insurance will be between 4% and 8% of total travel expenses. Anything beyond that price point should include additional benefits beyond the standard inclusions, such as CFAR protection or upgraded medical coverage. Anything below that 4% threshold may leave you lacking important or sufficient coverage in an emergency.
Convenience and Flexibility
Whether you're an infrequent traveler or a suitcase warrior, a good travel insurance company should have you covered. In many cases, you might not even have to talk to a person in order to purchase your policy.
Many people think of travel insurance in context with specific trips, but most of these top contenders sell both single-trip and multi-trip policies, also known as annual travel insurance. Some companies also offer plans specifically designed for cruisers, students abroad, and business travelers. (Read our guide to the best cruise travel insurance companies for more details.) Finally, all of these providers offer multiple options for getting the specific areas and amounts of coverage that you want.
Claims Handling
Most travelers never have a large claim. Premiums are low, and it provides peace of mind for the just in case situations. So they leave reviews based on their reduced stress levels. But what happens if you lose your luggage or have to stay a few extra days due to an unexpected accident? Will your insurance carrier cover your claim without all the hassle? We check real customer reviews to sort this out for you.
Ease of Use and Support
When purchasing, during your trip, and throughout the claims process, you may need extra support. Does the company have a 24/7 help line? Does it have an online or mobile system allowing you to self-manage? Essentially, what are the options when you need help? We look at the big picture to evaluate the average customer experience with each company.
You can read our full insurance rating methodology for even more details.
Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. Read our editorial standards .
Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.
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TravelSurance Coverage
Take me straight to.
- Section 1 – Personal Accident
- Section 2 – Medical and Other Expenses
- Section 3 – Emergency Assistance
- Section 4 – Overseas Hospital Cash
- Section 5 - Baggage and Personal Effects
- Section 6 – Delayed Baggage (over 6 hours)
- Section 7 – Personal Money/ Unauthorised Use of Credit Card and Travel Documents
- Section 8 - Personal Liability
- Section 9 – Travel Delay (over 6 hours) [(9A and/or 9B) OR 9C]
- Section 10 – Trip Cancellation and Trip Curtailment
- Section 11 – Missed Event
- Section 12 – Rental Vehicle Excess
- Section 13 - China Medical Card (Optional for MultiTrip TravelSurance only)
1. No benefit is payable for hospitalisation relating to pre-existing condition.
2. The medical expenses for Chinese medicine, bone-setting and acupuncture fees is limited to HKD100 per visit per day up to HKD1,000.
Key policy exclusions
- Riot, civil commotion, war, invasion, civil war and related perils
- Suicide, self-inflicted injury, illegal acts, insanity, drugs-taking, alcoholism, venereal disease, AIDs.
- Any pre-existing conditions, including congenital conditions
- Childbirth, pregnancy, miscarriage
- Engaging in: - any sports or activities which are played in professional capacity or in competition involving prize money or reward of any kind - deep-water diving (that is diving to a depth of greater than 40 metres) - motor rallies - aviation other than as a fare-paying passenger
- Manual work or hazardous work (e.g. involve the use of mechanical and/or electrical equipment or handling of explosive or hazardous substances, etc.)
- Property more specifically insured
- Claims where no written notification is given to AXA General Insurance Hong Kong Limited within 30 days after end of the trip
For a full list of exclusions and terms and conditions, please refer to our policy wordings .
End Notes
General Insurance products are applicable to HSBC Account holders and HSBC credit card holders only.
The above information is intended as a general summary. Please refer to the policy wording for exact terms and conditions and details of the exclusions.
The above policy is underwritten by AXA General Insurance Hong Kong Limited ("AXA"), which is authorised and regulated by the Insurance Authority of the Hong Kong SAR. AXA will be responsible for providing your insurance coverage and handling claims under your policy. The Hongkong and Shanghai Banking Corporation Limited is registered in accordance with the Insurance Ordinance (Cap. 41 of the Laws of Hong Kong) as an insurance agent of AXA for distribution of general insurance products in the Hong Kong SAR. General insurance plans are products of AXA but not HSBC.
For monetary disputes arising between HSBC and you out of the selling process or processing of the related transaction by HSBC, HSBC will enter into a Financial Dispute Resolution Scheme process with you. On the other hand, for any disputes over the terms and conditions of your policy, AXA will resolve with you directly.
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Travel Insurance
Alternatively please call 800 4560 .
- Instant quote & Instant cover
- Simple enrollment process
- High value cover for low premiums
- Extensive Cover options
- Global presence and worldwide arrangements
- Multilingual healthcare professionals
- 24/7 365 days a year travel assistance
Are you eligible?
You can apply for travel insurance if you are:
- a UAE resident
- a GCC resident traveling from their country of residence
Things you should know
- travel smart is one of the best travel insurance products in the market, to cover you for any medical and travel inconvenience, ensuring a worry-free holiday
- travel schengen is the compulsory minimum cover required for obtaining a visa to any Schengen country
- Travel insurance policy Terms and Conditions (PDF) Travel insurance policy Terms and Conditions (PDF) Download link
Find out more
Get started by requesting a quote online
Product terms and conditions and exclusions apply. Please read the full policy wording for further information.
General insurance products are provided by GIG Insurance (Gulf) B.S.C. (c). HSBC Bank Middle East Limited in the UAE is only a referrer of GIG's general insurance products and is not responsible for claims, processing or otherwise.
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Travel Care
Go on a totally fuss-free, carefree holiday with travel care.
Not all who wander are lost, but your luggage certainly could go missing. That's just one of the unexpected events that could put a dampener on your travel plans - there might also be flight delays, accidents or lost passports to contend with.
Travel Care provides a comprehensive suite of coverage and Allianz's Authorised Representative's emergency hotline (+603-76283919 or +603-79653919) is available 24 hours a day to support you through any emergency you might face, so you and your loved ones can have a stress-free trip filled with beautiful memories.
Stand to receive a Touch 'n Go eWallet Reload PIN worth up to RM50
Be one of the first 200 customers to purchase travel care with the promo code 'hsbc23' and get a touch ‘n go ewallet reload pin worth up to rm50. promotion period 27 november 2023 - 30 april 2024., ¹allianz travel care ("this plan") is underwritten by allianz general insurance company (malaysia) berhad (company no. 200601015674 (735426-v)) ("allianz general") and hsbc bank malaysia berhad ("hsbc malaysia") is the intermediary in distributing this plan. travel care customer campaign promotion terms & conditions apply..
- Overseas and domestic travel coverage This includes coverage for luggage and travel delays, and for overseas travel, the coverage also includes loss or damage to your travel documents, personal luggage and valuables, and more
- Accidental death and permanent disability coverage
- Emergency medical evacuation and repatriation programme
- Reimbursement of medical expenses We'll reimburse the necessary and reasonable medical, surgical or hospital charges, and emergency dental treatment fees incurred as a result of accidental bodily injuries, illness or death during your trip
- Option to purchase rider plans to extend your coverage when you participate in certain sports or events during your travels
What your coverage includes
What you need to know, are you eligible.
You're eligible for a Travel Care plan if you belong to one of the following categories:
- Malaysian citizen or permanent resident
- valid work permit or student pass holder
- legally employed in Malaysia
You'll also be able to get coverage for your spouse and child if they legally reside in Malaysia.
Good to know
Emergency contact information .
If there's an emergency when you're travelling, you can call the Allianz 24-hour emergency hotline on +60 3 7628 3919. Toll fees may apply.
Cover for COVID-19
Travel Care covers medical expenses for COVID-19 treatment, subject to policy terms and conditions. Your diagnosis must be certified by a medical practitioner, and you'll also need to provide a supporting lab report or medical report that states your diagnosis.
Cover for high-altitude mountaineering
You can get cover for high altitude mountaineering by contacting Allianz via email on [email protected] , or by calling 1300 22 5542.
What options for Travel Care plans are available?
The following plans are available:
- Adult Plan/Adult Annual Plan: if you're aged 18-70 years old
- Child Plan/Child Annual Plan: if you're aged 30 days-17 years old
- Senior Citizen Plan: if you're aged 71-80 years old
- Family Plan: if the policyholder is aged 18-70 years old, the policyholder's 1 selected legal spouse is aged 18-70 years old and the policyholder's child/children is/are aged 30 days-24 years old
- Under family plan, the payment per individual will be based on the limit under an adult plan and/or child plan, as the case may be subject to the maximum limit as stated in the Schedule of Benefits in the brochure and policy document.
- Maximum period of coverage per journey/trip is 200 days for one way or return trip.
- Maximum period of coverage per journey/trip is 90 days for annual policy.
- Maximum period of coverage per journey/trip for High Altitude Mountaineering activities is 30 days.
- Each trip must begin and end in Malaysia except for one way trip.
- Maximum period of coverage per journey/trip is 30 days for one way/return trip or annual policy.
- Premium is subject to Service Tax.
- Customer may opt for Automatic Renewal (for annual policy only). This policy is deemed to be automatically renewed and the applicable premium will be charged upon expiry unless otherwise instructed.
For other key terms and conditions, please refer to the Product Disclosure Sheet in the link below.
Ready to apply for Travel Care?
Get a quote via mobile banking / online banking.
If you're an HSBC credit card customer, you can apply via our mobile banking app or online banking. Go to the homepage, select 'Products and services', and choose 'Travel Care'. We'll help you apply by filling in information from your records.
Get a quote without logon
As HSBC credit card or debit card holders, you may also get a quote without logging on to your Mobile Banking.
Scan the QR code to get the app
Download the HSBC Malaysia Mobile Banking app on your iOS or Android device.
- Learn more about mobile banking
Need help? Check out our step by step mobile guide .
The information provided on this page is not a contract of insurance. The descriptions of cover are a brief summary for quick and easy reference. The precise terms and conditions that apply are in the policy document. Allianz Travel Care ("this Plan") is underwritten by Allianz General Insurance Company (Malaysia) Berhad (Company No. 200601015674 (735426-V)) ("Allianz General") and HSBC Bank Malaysia Berhad ("HSBC Malaysia") is the intermediary in distributing this Plan. This Plan is exclusively for HSBC Malaysia Credit and Debit Cardholders only. Please read and understand the Product Disclosure Sheet (PDS), Brochure and Policy Wording before signing up.
- Product Disclosure Sheet (PDF) Product Disclosure Sheet (PDF) Download
- Brochure (PDF) Brochure (PDF) Download
- Policy Wording (Domestic) (PDF) Policy Wording (Domestic) (PDF) Download
- Policy Wording (Overseas) (PDF) Policy Wording (Overseas) (PDF) Download
- Allianz General Insurance Company - Privacy Notice (PDF) Allianz General Insurance Company - Privacy Notice (PDF) Download
Important Notes
1. The benefits payable from this insurance product are protected by Perbadanan Insurans Deposit Malaysia (PIDM) up to certain limits. Please refer to PIDM's TIPS Brochure, the PIDM website , or contact Allianz General Insurance Company (Malaysia) Berhad to get more information about the Takaful and Insurance Benefits Protection System(TIPS)
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Travel Care provides a comprehensive suite of coverage and Allianz's Authorised Representative's emergency hotline (+603-76283919 or +603-79653919) is available 24 hours a day to support you through any emergency you might face, so you and your loved ones can have a stress-free trip filled with beautiful memories.
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