hsbc jade card travel insurance

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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.

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.

Fitbit, Fitbit Pay and the Fitbit Logo are trademarks, service marks and/or registered trademarks of Fitbit, Inc. in the Unites States and in other countries.

Garmin and Garmin logo are trademarks of Garmin, Ltd. or its subsidiaries and are registered in one or more countries, including the U.S. Garmin Pay is a trademark of Garmin Ltd. or its subsidiaries.

FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries.

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Beware of apps from sources other than your phone’s official app stores which may contain malware. From 26 Feb 2024, new safety measure in the Android version of the HSBC HK App will be launched to protect you from malware. Learn more .

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TravelSurance

Travel confidently with comprehensive coverage

TravelSurance protects you, your family, friends and relatives from the moment you book a trip all the way until you return home.

This all-in-one policy provides you with a hassle-free protection for a specific trip, including accidental injuries, medical and hospital expenses, personal liabilities, lost baggage and cash, delayed flights, stolen belongings, etc.

Should you have any queries about TravelSurance cover under Coronavirus Disease 2019 , please see our FAQs .

Key benefits

Covered for emergencies

Comprehensive cover, including personal accidents up to HKD2 million, and medical expenses up to HKD5 million 

Designated loss coverage

Cover designated loss such as adverse weather conditions, strike, terrorism or natural disasters 

Covers all ages with full benefits

All insured persons, including any children, will enjoy the full benefits under this plan 

Coverage for your phone

Get up to HKD6,000 coverage for your phone 

Limited time offer

Apply for TravelSurance between 18 Mar 2024 and 17 May 2024 (both days inclusive) to get:

• 30% off your first year’s premium and HKD100 Wellcome supermarket cash vouchers for annual MultiTrip TravelSurance
• 15% off for Single Trip TravelSurance

T&Cs apply

Compare HSBC TravelSurance Plans

Check out the  full coverage details . Enjoy extra benefits if you choose our Annual MultiTrip TravelSurance:

• Year-round protection with one-off premium payment for unlimited number of trips per year, up to 100 days per trip
• Experience the convenience with E-Policy servicing which provides you with 24-hour online access to your insurance policy details and allows you to submit policy service requests without hassle.
• If you travel to mainland China frequently, enjoy hospital admission deposit guarantee to designated hospitals in mainland China with a China Medical Card option under your annual MultiTrip policy

What's included?

Our plans generally cover:

We'll reimburse the necessary medical expenses incurred during a trip and follow up medical expense within 3 months after return to the Hong Kong SAR up to HKD5 million. We'll also cover additional travel and accommodation costs for your children if they have to travel back to Hong Kong SAR while you stay in hospital.

Sports and Activities [@sportsactivitiestravelsurance]

We provide cover for various sports and activities, including dune driving, sand boarding, safari adventures, whale tours, hot springs, horse riding, cable cars, iceberg climbing, watching auto racing, water sports, skiing, ice-skating, biking, thrill rides at amusement parks etc.

Travelsurance even covers certain hazardous sports activities such as hot air ballooning, bungee jumping, hang-gliding,parachuting, zipline, rafting, speed-boating, jet-skiing, trekking, water skiing, wakeboarding, wakesurf, sea kayaking,scuba-diving (that is diving to a depth not greater than 40 metres), mountaineering, rock-climbing etc.

You'll receive cover for baggage loss or damage up to HKD20,000 . We'll reimburse emergency purchases of essential items or clothing up to HKD2,000 if baggage is delayed for more than 6 hours after you've arrived at your destination abroad.

Expand 

Travel delays and loss of documents.

We’ll pay up to HKD2,500 if your scheduled transportation is delayed for more than 6 hours.

If you choose to buy the standard plan, you can have an alternative option of buying another one-way travel ticket to catch up with the planned itinerary and may reimburse up to HKD4,000. If you lose important documents such as your passport, we’ll cover replacement costs up to HKD5,000.

• China Medical Card (PDF)

Simply present your China Medical Card with your personal identification to designated hospital in mainland China, you won’t need to pay any deposit in advance. The card only costs HKD300 per annum.

Credit card protection

In the event of death of the insured caused by an accident outside the Hong Kong SAR, any outstanding balance payable under the insured’s credit cards up to HKD5,000 for items charged while outside the Hong Kong SAR during the trip will be covered.

• Find out more about credit card protection (PDF)

Funeral expenses

For more details, refer to the policy provisions (PDF)

What's NOT included?

Our plans generally do not cover:

• riot, civil commotion, war, invasion, civil war and related perils 
• suicide, self- inflicted injury, illegal acts, insanity, drugs-taking, alcohol abuse, venereal disease, AIDs.
• any pre-existing conditions
• childbirth, pregnancy, miscarriage, travelling for the purpose of obtaining medical treatment
• 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 of travelling by a recognised airline or air charter company
• manual work (e.g. involving the use of mechanical and/or electrical equipment or handling of explosive or hazardous substances, etc.)
• property more specifically insured 
• claims where not notified in writing to AXA General Insurance Hong Kong Limited within 31 days after end of the trip

For a full list of exclusions, refer to the policy provisions (PDF) .

How to apply

Eligibility.

To be able to apply you must:

• be an HSBC bank account or credit card holder
• be an HKSAR resident and applying for this insurance policy in the HKSAR
• depart from and return to the HKSAR from your insured destination
• hold an HKID card for online applications
• take note of the below for child cover:
• for child under 18 years old, the parent or legal guardian[@legalguardiantravelsurance] information of the child must be provided during the application
• children aged under 12 years old must be accompanied by an adult during the trip
• provide information of any spouse/partner[@partnerdefinition], children, relatives and friends if you wish to insure them under the same policy

Important Information 

•   TravelSurance Declaration, Terms and Conditions TravelSurance Declaration, Terms and Conditions Modal
•   Fees & Charges Fees & Charges Modal
•   Forms and documents Forms and documents Modal
•   Important Information Important Information Modal
• TravelSurance Product Factsheet (PDF) TravelSurance Product Factsheet (PDF) Download
• TravelSurance policy document (PDF) TravelSurance policy document (PDF) Download
•   Frequently asked questions (FAQs) Frequently asked questions (FAQs) Modal
•   Find a branch Find a branch Modal

HSBC customers can apply for a TravelSurance policy online

Or visit a branch

You can visit one of our branches to find out more

Find out more

If i don't have a hong kong identity card, can i still apply for travelsurance .

Yes, you can, as long as you will start and finish your journey in Hong Kong. You require an HKID card in order to apply online, so can call  (852) 2867 8678  or visit any HSBC branch in Hong Kong in order to apply if you do not have one.

Can children be covered by TravelSurance policies? 

Can i buy travelsurance for my friends or their children .

Yes, you can. Before starting the application, you should make sure you have the people you’re trying to insures’ full names, Hong Kong Identity numbers and dates of birth.

Who can I contact for assistance in case of emergency? 

You can call our Emergency Assistance Hotline on  (852) 2528 9333  at any time for emergency medical and evacuation assistance, travel information, baggage assistance, medical referrals, legal referrals and emergency ticketing. The hotline operates in English, Cantonese and Mandarin.

Can I extend my policy period while I'm abroad? 

Yes, you can manage your policy and submit service requests from anywhere either by calling  (852) 2867 8678  during office hours or logging on to HSBC Personal Internet Banking at any time. Please note you can extend your policy any time prior to its expiration

What happens if while covered I'm hospitalised abroad and unable to speak the local language? 

In the event that you’re ill or injured abroad and require a translator, you can call the Emergency Assistance hotline for referral and we will cover the cost of this service up to HKD500 per day and HKD5,000 per trip.

What happens if one of my flights gets delayed and I can't catch the connecting flight? 

In the event that you need to book an additional last-minute flight due to delay, we will cover all or part of the additional cost as long as the delay in question lasts over 6 hours. Asia Standard Plan holders will be covered up to HKD2,000, while Worldwide Standard Plan holders may receive up to HKD4,000 towards their additional one-way ticket.

Are sports and activities covered by TravelSurance? 

Yes, provided you don't take part professionally or for remuneration.

For example, activities such as safaris, whale tours, water sports and skiing are covered, as are more hazardous activities such as hot air ballooning, hang-gliding and parachuting.

However, aviation other than with a licensed aircraft operator is not covered, while scuba diving is covered as long as you don’t go beyond a depth of 40 metres.

To see what you’ll be covered for under TravelSurance, check the full list (PDF) .

Will I receive extra protection if an Outbound Travel Alert is issued for my planned destination? 

Yes, you will receive extra protection both before and during your trip should this occur.

Before your trip, you may:

• Cancel your Single Trip TravelSurance policy and receive a full premium and levy^ refund
• Be reimbursed up to 50% of the irrecoverable deposits or charges paid in advance if your trip is cancelled because of a red alert. You can claim up to HK$50,000 if you  have a Standard Plan and HK$25,000 if you have a Basic Plan
• Be reimbursed up to 100% of the irrecoverable deposits or charges paid in advance if your trip is cancelled due to a black alert. You can claim up to HK$50,000 if you have a Standard Plan and HK$25,000 if you have a Basic Plan

During your trip, you may:

• Have your insurance automatically extended for 10 days at no cost if your return flight is unavoidably delayed due to any travel alert
• Be reimbursed up to 50% of the unused irrecoverable prepaid costs or additional travel-related cost if your trip is cut short due to a red travel alert. You can claim up to 50,000 if you have a Standard Plan and HK$25,000 if you have a Basic Plan
• Be reimbursed up to 100% of the unused irrecoverable prepaid or additional travel-related costs if your trip is cut short due to a black travel alert. You can claim up to 50,000 if you have a Standard Plan and HK$25,000 if you have a Basic Plan
• Receive an additional HKD1,000 subsidiary should a black travel alert disrupt transportation during your trip

Can I claim for medical expenses incurred during my trip? 

Yes you can. TravelSurance covers medical expenses incurred abroad provided that the condition being treated isn’t a pre-existing one.

You may also be interested in

Home Contents Insurance

Our home contents insurance (ResidenceSurance) can meet your needs, leaving you free to enjoy your life without worrying about your most treasured possessions.

Personal Accident Insurance

A comprehensive insurance that protects you and your dependents against the financial strain that a personal accident can bring.

Medical and critical illness insurance

Safeguard yourself against unexpected medical expenses and critical illnesses. 

Disclaimer 

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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Make a travel insurance claim

About hsbc travel insurance claims.

HSBC Travel Insurance is provided by Aviva Insurance Limited. Aviva manages the claims process from start to finish so that your claims are handled as quickly and efficiently as possible.

When to make an HSBC Travel Insurance claim

If your trip has been cancelled, your first step should be to contact your travel and/or accommodation provider for a refund.

If you paid any part with your debit or credit card or PayPal, you may also contact the payment provider for a refund. If you paid with an HSBC debit or credit card, here’s how you can  raise a dispute .

Claiming a refund from either your travel operator or your card provider may lead to a better outcome for yourself than claiming via your travel insurance, as you may be able to claim the full amount you paid without having to pay an excess. You could also potentially recover losses for all the party members on the booking, some of whom may not have taken insurance. You can find further useful information on this topic on the  MoneyHelper  website. If you’ve been unable to get a refund from your travel and/or accommodation provider or your payment provider, please contact Aviva to make a claim.

Coronavirus advice

For the latest coronavirus travel guidance, see  what’s covered under HSBC Travel Insurance .

How to make a claim

If you don't need urgent medical attention, you can make a claim online.

All medical emergency lines are open 24 hours a day, 365 days a year:

All travel claim lines are open 8am to 6pm Monday to Friday and 8am to 6pm on Saturdays, closed Sundays.

For HSBC Premier

Medical emergency line: +44 (0)1603 605 135

For travel claims: +44 (0)1603 605 122

For HSBC Private Banking and Premier (retained Jade benefits)

Medical emergency line:  +44 (0)1603 605 102

For travel claims:  +44 (0)1603 605 122

For HSBC Select and Cover

Medical emergency line:  +44 (0)1603 208 95

For travel claims:  +44 (0)345 302 8387

For HSBC Insurance Aspects 

Medical emergency line:  +44 (0)1603 605 142

For travel claims:  +44 (0)1603 604 910

For HSBC Gold MasterCard and HSBC Platinum MasterCard 

Medical emergency line:  +44 (0)1243 621 064

What you’ll need to make a claim

You’ll need to provide Aviva with:

• confirmation of the original booking and which parts of it are non-refundable
• evidence you’ve tried to get your money back from your travel and/or accommodation provider, plus your credit or debit card provider if you paid by card - for example, copies of emails you’ve sent and/or their replies
• details of any self-isolation advice you’ve been given by either your GP or from NHS 111

For all claims, normal policy excess, terms and conditions, exclusions and claims assessment apply.

How long will it take to process my claim?

As soon as you’ve notified Aviva of your claim, they will send you a claims pack detailing the information they need from you. To ensure your claim is handled as swiftly as possible, please follow the instructions in this pack.

After receiving your details, Aviva will assess your claim and make a payment to you within 28 days if your claim’s been successful.

If you’re having financial difficulties, please visit our  financial support  page for ways we can help.

Policy documents

HSBC Premier Account & Private Banking Worldwide Travel Insurance

• HSBC Travel Insurance Policy Wording: HSBC Private Banking, HSBC Premier (retained Jade benefits) and HSBC Premier Accounts (PDF, 528KB) HSBC Travel Insurance Policy Wording: HSBC Private Banking, HSBC Premier (retained Jade benefits) and HSBC Premier Accounts (PDF, 528KB) Download
• HSBC Premier Travel Insurance Product Information Document (PDF, 153KB) HSBC Premier Travel Insurance Product Information Document (PDF, 153KB) Download
• HSBC Private Banking Travel Insurance Product Information Document (PDF, 114KB) HSBC Private Banking Travel Insurance Product Information Document (PDF, 114KB) Download
• Premier (retained Jade benefits) Travel Insurance Product Information Document (PDF, 257KB) Premier (retained Jade benefits) Travel Insurance Product Information Document (PDF, 257KB) Download

Select and Cover

• Select and Cover Terms and Conditions (PDF, 427KB) Select and Cover Terms and Conditions (PDF, 427KB) Download
• HSBC Summary of Cover Limits (PDF, 105KB) HSBC Summary of Cover Limits (PDF, 105KB) Download

Insurance Aspects Worldwide travel insurance

• Your Travel Policy Document (PDF, 519KB) Your Travel Policy Document (PDF, 519KB) Download
• Insurance Product Information Document for customers aged under 70 (PDF, 296KB) Insurance Product Information Document for customers aged under 70 (PDF, 296KB) Download

Customer support

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New HSBC World Elite Mastercard Features & Premium Card Are Here

HSBC has rolled out changes to many of their credit cards, including the popular HSBC World Elite Mastercard . These changes are in effect as of February 1, 2023.

In This Post

New features: hsbc world elite mastercard, new product: hsbc metal world elite mastercard, annual fee rebates.

One of our longtime favourite Mastercards for travel , the HSBC World Elite Mastercard is getting a modest but comprehensive makeover.

Some of our favourite features are staying the same, such as no foreign transaction fees , Boingo airport Wi-Fi, and the ability to transfer HSBC Rewards to frequent flyer programs.

Many areas are getting a slight adjustment, including earning rates, insurance, and ways to save on annual fees. Here are they key changes to be aware of as a traveller and points collector.

Category Earning Rates

The card has introduced new category bonuses. Here’s what you’ll earn on everyday spending:

• 6 points per dollar spent on travel
• 4 points per dollar spent on groceries, gas, and drugstores
• 2 points per dollar spent on all other purchases

With HSBC Rewards valued at 0.5 cents per point for statement credit, or more via airline transfer partners , the card earns a minimum of 1% back on every purchase.

Before, the card earned 6 points per dollar spent on travel, and 3 points per dollar spent on all other purchases.

While the move to category bonuses will be disappointing for anyone who highly valued the card’s uniquely strong base rate, it’ll benefit anyone who uses the HSBC World Elite Mastercard as their daily driver. Plus, it aligns HSBC more closely with its competitors, as almost all other Canadian credit cards use a category structure. 

Improved Insurance

HSBC has also added new and improved insurance benefits for cardholders .

Emergency medical insurance is getting a significant boost. Now, you’ll now be covered for up to $2 million in claims for trips up to 31 days, or 21 days for cardholders 65 years or older.

Previously, cardholders were only covered for up to $1 million, and only those under the age of 65. This is a hugely generous protection for a vulnerable demographic, one that is often underserved by credit card insurance for that very reason.

Baggage delay insurance is also getting a boost. Instead of claiming up to $750 for delays of 12 hours or longer, you can claim up to $1,000 for delays of six hours or longer.

Rounding out the travel coverage, there’s new insurance coverage for flight delays over 6 hours, and hotel burglary up to $1,000.

As for everyday purchases, cardholders will also enjoy mobile device insurance up to $1,000. Previously a niche perk, this coverage is now slowly making its way throughout the credit card industry.

Finally, HSBC has added price protection, a very exciting and rare feature on Canadian credit cards. You’ll be able to claim the difference between the price you paid and a lower advertised price, if the price drops within 60 days of your purchase, up to $500 per transaction and $1,000 per calendar year.

Needless to say, these insurance additions are sweeping, and HSBC has really stepped up here.

No More Supplementary Card Fee

The HSBC World Elite Mastercard has eliminated the $50 fee to add a supplementary card to your account. Plain and simple, this is a win for anyone who adds multiple users to the same spending account.

As before, you can add up to four supplementary cards to your account. Note that insurance benefits may vary for supplementary cardholders.

Finally, it’s worth noticing that HSBC has redesigned the art of their legacy credit cards, aligning them with their newer entry-level products .

I’ll miss the signature triangle lion, but I can’t begrudge HSBC for a cosmetic tweak in line with design trends across the financial services industry.

HSBC has launched the new HSBC Metal World Elite Mastercard, replacing the HSBC Jade World Elite Mastercard.

(Yes, the name of the product is the Metal card, and it is indeed metal!)

The card’s page on the HSBC website provides confusing information: the card is only available to HSBC Private (formerly Jade) banking clients; however, the $499 annual fee is waived for Private banking clients. It seems to me that you must be a Private client to apply for the card, but you can continue holding it (for a $499 annual fee) if you later decide to downgrade your HSBC relationship.

On top of the features of the mass-market HSBC World Elite Mastercard, the Metal card offers some truly premium benefits.

Most notably, the card offers a supercharged DragonPass membership with unlimited visits for the cardholder and one guest.

That’s a big step up from Visa Infinite Privilege cards, which only offer six complimentary visits per year. It also blows other Mastercards out of the water, many of which, including HSBC’s own World Elite Mastercard, offer a membership but no complimentary visits.

Unlimited lounge access puts the card on par with the Amex Platinum cards for accessing Plaza Premium lounges which are abundant in airports across Canada, not to mention over a thousand lounges worldwide.

As an interesting wrinkle, there’s no fee to add a supplementary cardholder. While the terms don’t specify, it seems to me that supplementary cards could also be eligible for a DragonPass membership of their own.

In that case, this card begins to resemble the Capital One Venture X Card in the United States, a premium credit card with annual rebates offsetting the high fee, and with which you can essentially gift unlimited lounge access to your family.

As a cherry on top, you’ll also get a $200 annual travel credit, up from $100.

If you’re a Private client with $1 million in personal assets at HSBC, the HSBC Metal World Elite Mastercard is a no-brainer to elevate your travel lifestyle at no extra cost.

HSBC is expanding and simplifying the annual fee rebates they offer for their banking clients.

HSBC has three banking tiers, with various requirements to qualify. To summarize, you can qualify for (from low to high) Advance, Premier, or Private banking on the basis of your balances, recurring deposits, mortgage with HSBC Canada, or HSBC tier in another country.

HSBC has revamped their credit card annual fee rebates, which can be applied towards any credit card:

• Private: full annual fee rebate
• Premier: $50 annual fee rebate
• Advance: $25 annual fee rebate

It appears they’ve also consolidated the old Premier World Elite Mastercard with the standard version, which only differed by offering a $50 annual fee rebate for Premier. This ought to streamline their product catalog, reducing needless complexity.

Combined with the $100 annual travel credit, this effectively reduces the $149 annual fee to $24 for Advance clients, or a net gain of $1  for Premier clients, respectively. For a card that already had strong appeal as a long-term keeper, that proposition has only gotten stronger.

If you’re not interested in the World Elite card, the HSBC +Rewards Mastercard’s $25 annual fee will be fully waived for any Advance, Premier, or Private client.

Overall, I’d say the upcoming changes to the HSBC World Elite Mastercard are mostly positive, and on balance a net win.

In particular, comprehensive insurance on travel and everyday purchases is quite impressive. I’m also pleased to see that the costs of being a cardholder are reduced for HSBC banking clients.

I’m sad to see the card’s strong base earn rate cut in favour of higher rewards on categorized spending. Most importantly, though, no foreign transaction fees are here to stay.

The new HSBC Metal World Elite Mastercard is an exciting introduction to the market as Canada’s first truly premium Mastercard, going toe-to-toe with industry leaders for travel benefits. It may give Private banking clients pause when considering whether to add the additional expense of a top-tier Visa or Amex.

As an HSBC banking client myself, I certainly plan on using my HSBC World Elite Mastercard long-term. Even with the reduced earn rate on uncategorized transactions, there’s still more than enough appeal to make this card an everyday fixture.

If you’re interested in the World Elite card, the current signup bonus for up to 80,000 HSBC Rewards points is still available until February 28, 2023. For the Metal World Elite card, I’d recommend making an appointment with a banking advisor.

• Earn 6 HSBC Rewards points per dollar spent  on travel purchases
• Plus, receive an annual $100 travel enhancement credit *
• Transfer HSBC Rewards points to Singapore Airlines KrisFlyer and other frequent flyer programs for premium flights, or redeem points for statement credit for any travel expense
• No foreign transaction fees *
• Minimum income: $80,000 personal or $150,000 household
• Annual fee: $149

For me losing the 1.5% on non category transactions is huge. I already have a BMO World Elite which offers better rewards in those categories. I’m debating whether to keep the card at all but probably will keep it and use it just for travel, also the travel enhancement credit is handy even if you only take 1 or 2 trips a year it almost pays the annual fee (which is now lower thanks to dropping supplemental card fee). The one annoying this is the card still doesn’t work with Google Pay/Wallet.

Seeing that HSBC Canada has been sold to RBC, these cards will all be discontinued by the end of 2023, and likely be replaced by inferior RBC cards. Not seeing much point to getting a card that will disappear in less than a year.

Thanks for the info. Would you say this is the best “no fx fee” card out there? Are there any others?

I got the email this week with the updates to the HSBC Jade World Elite® Mastercard®. As far as I can tell there are no differences in the core benefits. Earning rates are identical to the World Elite, insurance package the same. The annual fee was previously $299 and is now moving to $499 but that’s waived for Private Client clients (previously Jade).

For the extra money you get the Jade Concierge (is that now the Metal Concierge?) run by Ten Lifestyle and I assume the $200 annual travel credit remains since there is no mention of change (vs $100 for World Elite). Your DragonPass membership includes unlimited access for the cardholder and 1 guest at no cost. None of these items are changing though so they may be just deciding that the original $299 wasn’t sustainable.

I am a little concerned about the potential impact of businesses adding the credit card interchange fees onto transactions. I assume these cards carry a hefty charge and potentially adding 2+% to my purchasing costs would change the value calculation on these materially even with the annual fee waived.

Wondering if the new metal card is open for Premier customers and if there will be any annual fee rebate (?50$ maybe).

Thanks for the update. We do like the HSBC card.

Is the cap on the Travel bonus points changing? I believe now you receive 6 points / Travel $ up to $50k CAD (annual). Above $50k travel it is 3 points / $. If it there is still a cap will spending above the cap be at the 4 or 2 point level?

Here’s the new language. For me the bump for gas/groceries is welcome.

– 6 Points for $1 in Net Purchases which are Travel Purchases. This earn rate applies to a maximum of $50,000 in Travel Purchases on the Account in a calendar year. After the maximum is reached, the earn rate of 2 Points for $1 in Travel Purchases applies. – 4 Points for $1 in Net Purchases that are Gas, Grocery and Drugstore Purchases; – 2 Points for $1 in Net Purchases, other than Travel, Gas, Grocery and Drugstore Purchases

The no foreign transaction fee is a huge factor, saving 2.5% over other premium cards. That in and of itself is worth getting/keeping the card if you travel internationally or transborder.

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Important Risk Disclosure

• The investment decision is yours but you should not invest in this product unless the intermediary who sells it to you has explained to you that the product is suitable for you having regard to your financial situation and investment experience.
• Investment involves risk. Loss may be incurred as well as profits made as a result of buying and selling investment products.
• Currency conversion risk - the value of your foreign currency and RMB deposit will be subject to the risk of exchange rate fluctuation. If you choose to convert your foreign currency and RMB deposit to other currencies at an exchange rate that is less favourable than the exchange rate in which you made your original conversion to that foreign currency and RMB, you may suffer loss in principal.
• RMB is currently not freely convertible and subject to regulatory restrictions (which might be changed from time to time).

Support / Resistance

vs USD  0.6462 / 0.6627  ⬇

AUD rose against the dollar yesterday after US producer inflation hints at easing pressures. Meanwhile, market expectations for the RBA reducing interest rates sooner have eased due to a significant increase in consumer inflation expectations. AUDUSD rose 0.40% yesterday while AUDHKD ended at 5.12 level.

vs USD  1.0652 / 1.0840  ⬇

EUR ended weaker against the dollar yesterday. The ECB kept rates on hold for its fifth meeting in a row. However, ECB signaled it may begin cut rates in June but offered no further guidance beyond that date. EURUSD fell 0.17% yesterday while EURHKD ended at 8.40 level. 

vs USD  1.2469 / 1.2670  ⬇

GBP rose against the dollar yesterday after USD experienced volatility and gains were capped after Mar PPI report rose less than expected. Additionally, hawkish guidance from BoE policymaker Megan Greene was supportive of GBP. GBPUSD rose 0.15% yesterday while GBPHKD ended at 9.83 level.

vs USD  0.5928 / 0.6072  ⬇

NZD rose despite USD ended higher against its peers yesterday as the strength looks like a continuation from yesterday's post-RBNZ upside. The RBNZ delivered a hawkish guidance after keeping the OCR steady at 5.5%. NZDUSD rose 0.17% yesterday while NZDHKD ended at 4.69 level.

vs USD  7.2086 / 7.2516   ⬆

CNH rose against the dollar yesterday despite USD rose across the board as the latest key Chinese data indicated easing inflation after CPI rose 0.1% YoY in March. While producer price deflation persisted. USDCNH fell 0.11% yesterday while CNHHKD ended at 1.08 level.

vs USD  1.3534 / 1.3784  ⬇

CAD ended weaker against the dollar yesterday, falling to a 5-month low weighed by a fall in oil prices. The BoC said a rate cut in Jun was possible if a recent cooling trend in inflation is sustained. USDCAD rose 0.10% yesterday while CADHKD ended at 5.72 level.

vs USD  151.61 / 154.12  ⬆

JPY ended lower against the dollar yesterday and while investors look for signs of intervention, Japanese Finance minister Shunichi Suzuki said authorities were analyzing factors that are driving currency moves. USDJPY rose 0.07% yesterday while JPYHKD ended at 5.11 level.

vs USD   0.8993 / 0.9175    ⬇

CHF strengthened against the US dollar yesterday despite the USD registering modest gains against a basket of currencies. CHF appears to have been benefiting from safe-haven flows amid escalating geopolitical tensions. USDCHF fell 0.35% yesterday while CHFHKD ended at 8.61 level.

vs USD  1.3454 / 1.3574   ⬇

SGD ended stronger against the US dollar yesterday despite the USD edging higher against major peers and US treasury yields rising. Domestic investors await MAS monetary policy update and Q1 GDP data. USDSGD fell 0.09% yesterday while SGDHKD ended at 5.79 level.

Related Insights

FX Viewpoint: RMB: Internationalisation is not over  

FX Trends: G10 FX: Focus on “relativity”  

FX Viewpoint: BoJ hiked but SNB cut ahead of other G10 peers  

FX Viewpoint Flash: USD: The Fed signals three cuts in 2024 still likely  

This document has been prepared for information only. Information contained in this document is obtained from sources believed to be reliable; however HSBC does not guarantee its completeness or accuracy. The information contained in this document is intended for Singapore residents only and should not be construed as an offer to purchase or subscribe for any investment where such activities would be unlawful under the laws of such jurisdiction, in particular the United States of America and Canada. This material is not and should not be construed as an offer to sell or the solicitation of an offer to purchase or subscribe for any investment or securities nor shall it or any part of it form the basis of, or be relied on in connection with, any contract or commitment whatsoever. The specific investment objectives, personal situation and particular needs of any person have not been taken in consideration. You should therefore not rely on it as investment advice. Opinions and estimates expressed are subject to change without notice and HSBC expressly disclaims any and all liability for representations and warranties, express or implied, contained herein, or for omissions. All charts and graphs are from publicly available sources or proprietary data. The mention of any security should not be construed as representing a recommendation to buy or sell that security, nor does it represent a forecast on future performance of the security.

This document is prepared by HSBC Bank (Singapore) Limited (“HBSP”) to its customers for general reference only. HBSP is not responsible for any loss, damage or other consequences of any kind that you may incur or suffer as a result of, arising from or relating to your use or reliance of this document. HBSP gives no guarantee, representation or warranty as to the accuracy, timeliness or completeness of this document.

This document is prepared by The Hongkong and Shanghai Banking Corporation Limited (‘HBAP’), 1 Queen’s Road Central, Hong Kong. HBAP is incorporated in Hong Kong and is part of the HSBC Group.

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Travel Insurance

Cheapest travel insurance of April 2024

Mandy Sleight

Heidi Gollub

“Verified by an expert” means that this article has been thoroughly reviewed and evaluated for accuracy.

Updated 9:52 a.m. UTC April 11, 2024

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WorldTrips is the best cheap travel insurance company of 2024 based on our in-depth analysis of the cheapest travel insurance plans. Its Atlas Journey Preferred and Atlas Journey Premier plans offer affordable travel insurance with high limits for emergency medical and evacuation benefits bundled with good coverage for trip delays, travel inconvenience and missed connections.

Cheapest travel insurance of 2024

Why trust our travel insurance experts

Our team of travel insurance experts analyzes hundreds of insurance products and thousands of data points to help you find the best travel insurance for your next trip. We use a data-driven methodology to determine each rating. Advertisers do not influence our editorial content . You can read more about our methodology below.

• 1,855 coverage details evaluated.
• 567 rates reviewed.
• 5 levels of fact-checking.

Best cheap travel insurance

Top-scoring plans

Average cost, medical limit per person, medical evacuation limit per person, why it’s the best.

WorldTrips tops our rating of the cheapest travel insurance with two plans:

• Atlas Journey Preferred is the cheaper travel insurance plan of the two, with $100,000 per person in emergency medical benefits as secondary coverage and an optional upgrade to primary coverage. It’s also our pick for the best travel insurance for cruises .
• Atlas Journey Premier costs a little more but gives you $150,000 in travel medical insurance with primary coverage . This is a good option if health insurance for international travel is a priority.

Pros and cons

• Atlas Journey Preferred is the cheapest of our 5-star travel insurance plans.
• Atlas Journey Premier offers $150,000 in primary medical coverage.
• Both plans have top-notch $1 million per person in medical evacuation coverage.
• Each plan offers travel inconvenience coverage of $750 per person.
• 12 optional upgrades, including destination wedding and rental car damage and theft.
• No non-medical evacuation coverage.

Cheap travel insurance for cruises

Travel insured.

Top-scoring plan

Travel Insured offers cheap travel insurance for cruises and its Worldwide Trip Protector plan gets 4 stars in our rating of the best cruise travel insurance .

• Worldwide Trip Protector offers $1 million in emergency evacuation coverage per person and a rare $150,000 in non-medical evacuation per person. It also has primary coverage for travel medical insurance benefits, which means you won’t have to file medical claims with your health insurance first.
• Cheap trip insurance for cruises.
• Offers a rare $150,000 for non-medical evacuation.
• $500 per person baggage delay benefit only requires a 3-hour delay.
• Optional rental car damage benefit up to $50,000.
• Missed connection benefit of $500 per person only available for cruises and tours.

Best cheap travel insurance for families

Travelex has the best cheap travel insurance for families because kids age 17 are covered by your policy for free when they’re traveling with you.

• Free coverage for children 17 and under on the same policy.
• $2,000 travel delay coverage per person ($250 per day) after 5 hours.
• Hurricane and weather coverage after a common carrier delay of any amount of time.
• Only $50,000 per person emergency medical coverage.
• Baggage delay coverage is only $200 and requires a 12-hour delay.

Best cheap travel insurance for seniors

Evacuation limit per person

Nationwide has the best cheap travel insurance for seniors — its Prime plan gets 4 stars in our best senior travel insurance rating. However, Nationwide’s Cruise Choice plan ranks higher in our best cheap travel insurance rating.

• Cruise Choice has a $500 per person benefit if a cruise itinerary change causes you to miss a prepaid excursion. It also has a missed connections benefit of $1,500 per person after only a 3-hour delay, for cruises or tours. But note that this coverage is secondary coverage to any compensation provided by a common carrier.
• Coverage for cruise itinerary changes, ship-based mechanical breakdowns and covered shipboard service disruptions.
• Non-medical evacuation benefit of $25,000 per person.
• Baggage loss benefits of $2,500 per person.
• Travel medical coverage is secondary.
• Trip cancellation benefit for losing your job requires three years of continuous employment.
• No “cancel for any reason” (CFAR) upgrade available.
• Missed connection coverage of $1,500 per person is only for tours and cruises, after a 3-hour delay.

Best cheap travel insurance for add-on options

AIG offers the best cheap travel insurance for add-on options because the Travel Guard Preferred plan allows you to customize your policy with a host of optional upgrades.

• Travel Guard Preferred upgrades include “cancel for any reason” (CFAR) coverage , rental vehicle damage coverage and bundles that offer additional benefits for adventure sports, travel inconvenience, quarantine, pets, security and weddings. There’s also a medical bundle that increases the travel medical benefit to $100,000 and emergency evacuation to $1 million.
• Bundle upgrades allow you to customize your affordable travel insurance policy.
• Emergency medical and evacuation limits can be doubled with optional upgrade.
• Base travel insurance policy has relatively low medical limits.
• $300 baggage delay benefit requires a 12-hour delay.
• Optional CFAR upgrade only reimburses up to 50% of trip cost.

Best cheap travel insurance for missed connections

TravelSafe has the best cheap travel insurance for missed connections because coverage is not limited to cruises and tours, as it is with many policies.

• Best-in-class $2,500 per person in missed connection coverage.
• $1 million per person in medical evacuation and $25,000 in non-medical evacuation coverage.
• Generous $2,500 per person baggage and personal items loss benefit.
• Most expensive of the best cheap travel insurance plans.
• No “interruption for any reason” coverage available.
• Weak baggage delay coverage of $250 per person after 12 hours.

Cheapest travel insurance comparison

How much does the cheapest travel insurance cost?

The cheapest travel insurance in our rating is $334. This is for a WorldTrips Atlas Journey Preferred travel insurance plan, based on the average of seven quotes for travelers of various ages to international destinations with a range of trip values.  

Factors that determine travel insurance cost

There are several factors that determine the cost of travel insurance, including:

• Age and number of travelers being insured.
• Trip length.
• Total trip cost.
• The travel insurance plan you choose.
• The travel insurance company.
• Any add-ons, features or upgraded benefits you include in the travel insurance plan.

Expert tip: “In general, travelers can expect to pay anywhere from 4% to 10% of their total prepaid, non-refundable trip costs,” said Suzanne Morrow, CEO of InsureMyTrip.

Is buying the cheapest travel insurance a good idea?

Choosing cheaper travel insurance without paying attention to what a plan covers and excludes could leave you underinsured for your trip. Comparing travel insurance plans side-by-side can help ensure you get enough coverage to protect yourself financially in an emergency for the best price. 

For example, compare these two Travelex travel insurance plans:

• Travel Basic is cheaper but it only provides up to $15,000 for emergency medical expense coverage. You’ll also have to pay extra for coverage for children.
• Travel Select will cost you a bit more but it covers up to $50,000 in medical expenses and includes coverage for kids aged 17 and younger traveling with you. It also offers upgrades such additional medical coverage, “cancel for any reason” (CFAR) coverage and an adventure sports rider that may be a good fit for your trip.

Reasons to consider paying more for travel insurance 

Make sure you understand what you’re giving up if you buy the cheapest travel insurance. Here are a few reasons you may consider paying a little extra for better coverage. 

• Emergency medical. The best travel medical insurance offers primary coverage for emergency medical benefits. Travel insurance with primary coverage can cost more than secondary coverage but will save you from having to file a claim with your health insurance company before filing a travel insurance claim.
• Emergency evacuation. If you’re traveling to a remote location or planning a boat excursion on your trip, look at travel insurance with a high medical evacuation insurance limit. If you are injured while traveling, transportation to the nearest adequate medical facility could cost in the tens to hundreds of thousands. It may make sense to pay more for travel insurance with robust emergency evacuation coverage. 
• Flexibility. To maximize your trip flexibility, you might consider upgrading your travel insurance to “ cancel for any reason” (CFAR) coverage . This will increase the cost of your travel insurance but allow you to cancel your trip for any reason — not just those listed in your policy. The catch is that you’ll need to cancel at least 48 hours before your trip and will only be reimbursed 50% or 75% of your trip expenses, depending on the plan. 
• Upgrades. Many travel insurance plans have optional extras like car rental collision and adventure sports (which may otherwise be excluded from coverage). These will cost you extra but may give you the coverage you need. 

How to find the cheapest travel insurance

The best way to find the cheapest travel insurance is to determine what you’re looking for in a travel insurance policy and compare plans that meet your needs.

 “Travel insurance isn’t one-size-fits-all. Every trip is different, and every traveler has different needs, wants and concerns. This is why comparison is key,” said Morrow.

Consider the following factors when comparing cheap travel insurance plans.

• How often you’re traveling. A single-trip policy may be the most cost-effective if you’re only going on a single trip this year. But a multi-trip travel insurance plan may be cheaper if you’re going on multiple international trips throughout the year. Annual travel insurance policies cover you for a whole year as long as each trip doesn’t exceed a certain number of days, usually 30 to 90 days. 
• Credit card has travel insurance benefits. The best credit cards offer perks and benefits, and many offer travel insurance-specific benefits. The coverage types and benefit limits can vary, and you must put the entire trip cost on the credit card to use the coverage. If your trip costs more than the coverage limit on your card, you can supplement the rest with a cheaper travel insurance plan.
• The coverage you need. When looking for the best travel insurance option at the most affordable price, only buy extras and upgrades you really need. A basic plan may only provide up to $500 in baggage insurance, but if you only plan to take $300 worth of clothes and accessories, you don’t need to pay more for higher coverage limits.

Is cheap travel insurance worth it?

Cheap travel insurance can be worth it, as long as you understand the plan limitations and exclusions. Taking the time to read your policy, especially the fine print, well before your trip can ensure there won’t be any surprises about what’s covered once your journey begins.

“If a traveler is looking for coverage for travel delays, cancellations, interruptions, medical and baggage — a comprehensive travel insurance policy will provide the most bang for their buck,” said Morrow. But if you’re on a tight budget and are only worried about emergency medical care and evacuation coverage while traveling abroad, stand-alone options are cheaper.

Before buying travel insurance, you should also consider what your health insurance will cover. 

“Most domestic health insurance plans, including Medicare, will not cover medical bills abroad,” said Morrow. Even if you’re staying stateside, you may find value in an affordable travel insurance plan with medical coverage if you have a high-deductible health plan (HDHP). 

A cheap travel insurance plan is better than none at all if you end up in a situation that would have covered some or all of your prepaid, nonrefundable trip expenses.

Methodology

Our insurance experts reviewed 1,855 coverage details and 567 rates to determine the best travel insurance . From those top-scoring travel insurance plans, we chose the most affordable for our rating of the cheapest travel insurance.

Insurers could score up to 100 points based on the following factors:

• Cost: 40 points. We scored the average cost of each travel insurance policy for a variety of trips and traveler profiles.
• Medical expenses: 10 points. We scored travel medical insurance by the coverage amount available. Travel insurance policies with emergency medical expense benefits of $250,000 or more per person were given the highest score of 10 points.
• Medical evacuation: 10 points. We scored each plan’s emergency medical evacuation coverage by coverage amount. Travel insurance policies with medical evacuation expense benefits of $500,000 or more per person were given the highest score of 10 points.
• Pre-existing medical condition exclusion waiver: 10 points. We gave full points to travel insurance policies that cover pre-existing medical conditions if certain conditions are met.
• Missed connection: 10 points. Travel insurance plans with missed connection benefits of $1,000 per person or more received full points.
• “Cancel for any reason” upgrade: 5 points. We gave points to travel insurance plans with optional “cancel for any reason” coverage that reimburses up to 75%.
• Travel delay required waiting time: 5 points. We gave 5 points to travel insurance policies with travel delay benefits that kick in after a delay of 6 hours or less.
• Cancel for work reasons: 5 points. If a travel insurance plan allows you to cancel your trip for work reasons, such as your boss requiring you to stay and work, we gave it 5 points.
• Hurricane and severe weather: 5 points. Travel insurance plans that have a required waiting period for hurricane and weather coverage of 12 hours or less received 5 points.

Some travel insurance companies may offer plans with additional benefits or lower prices than the plans that scored the highest, so make sure to compare travel insurance quotes to see your full range of options.

Cheapest travel insurance FAQs

When buying travel insurance, cheapest is not always the best. The most affordable travel insurance plans typically offer fewer coverages with lower policy limits and few or no optional upgrades. Add up your total nonrefundable trip costs and compare travel insurance plans and available features that cover your travel expenses. This strategy can help you find the cheapest travel insurance policy that best protects you from financial loss if an unforeseen circumstance arises.

Get the coverage you need: Best travel insurance of 2024

According to our analysis, WorldTrips , Travel Insured International and Travelex offer the best cheap travel insurance. Policy coverage types and limits can vary by each travel insurance provider, so the best way to get the cheapest travel insurance plan is to compare several policies and companies to find the right fit for your budget.

A good rate for travel insurance depends on your budget and coverage needs. The most comprehensive travel insurance plan is usually not the cheapest. But cheap trip insurance may not have enough coverage or the types of coverage you want. Comparing different levels of coverage and how much they cost can help you find the best cheap insurance for travel. 

The average cost of travel insurance is between 5% to 6% of your total travel expenses for one trip, according to our analysis of rates. However, you may find cheaper travel insurance if you opt for a plan with fewer benefits or lower coverage limits. How much you pay for travel insurance will also depend on the number of travelers covered, their ages, the length of the trip and any upgrades you add to your plan.

Travel insurance covers nonrefundable, prepaid trip costs — up to the policy coverage limits — when your trip is interrupted or canceled for a covered reason outlined in your plan documents. Even the cheapest travel insurance policies usually provide coverage for:

• Medical emergencies.
• Trip delays.
• Trip interruption.
• Trip cancellation.
• Lost, stolen or damaged luggage.

However, if you’re looking to save on travel insurance, you can shop for a policy that only has travel medical insurance and does not include benefits for trip cancellation .

Even when you buy cheap travel insurance, you can often use upgrade options to customize your policy to meet your specific needs. 

Some common travel insurance add-ons you may want to consider include:

• Rental car damage coverage. 
• Medical bundle.
• Security bundle.
• Accidental death and dismemberment coverage.
• Adventure sports bundle.
• Pet bundle.
• Wedding bundle.
• “Cancel for work reasons” coverage.
• “Interruption for any reason” (IFAR) coverage.
• “Cancel for any reason” (CFAR) coverage .

Blueprint is an independent publisher and comparison service, not an investment advisor. The information provided is for educational purposes only and we encourage you to seek personalized advice from qualified professionals regarding specific financial decisions. Past performance is not indicative of future results.

Blueprint has an advertiser disclosure policy . The opinions, analyses, reviews or recommendations expressed in this article are those of the Blueprint editorial staff alone. Blueprint adheres to strict editorial integrity standards. The information is accurate as of the publish date, but always check the provider’s website for the most current information.

Mandy is an insurance writer who has been creating online content since 2018. Before becoming a full-time freelance writer, Mandy spent 15 years working as an insurance agent. Her work has been published in Bankrate, MoneyGeek, The Insurance Bulletin, U.S. News and more.

Heidi Gollub is the USA TODAY Blueprint managing editor of insurance. She was previously lead editor of insurance at Forbes Advisor and led the insurance team at U.S. News & World Report as assistant managing editor of 360 Reviews. Heidi has an MBA from Emporia State University and is a licensed property and casualty insurance expert.

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