how to activate hsbc travel insurance

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HSBC credit cards complimentary travel insurance

Hsbc credit cards that offer complimentary travel insurance can help you save on the cost of overseas trips – so how much cover can you get.

In this guide

Which HSBC credit cards have complimentary travel insurance?

What's covered by hsbc complimentary international travel insurance, what do i need to do to use hsbc's credit card international travel insurance, pre-existing medical conditions, how to make a claim through your hsbc credit card complimentary international travel insurance policy, other types of hsbc complimentary credit card travel insurance, hsbc credit card complimentary insurance for shopping, other hsbc cards with complimentary insurance options, frequently asked questions.

HSBC offers complimentary insurance across its range of credit cards, including domestic and international travel insurance on HSBC Platinum and World Mastercard credit cards. The actual policies are underwritten by Allianz Insurance Australia (Allianz) and can be different based on the HSBC credit card you choose.

Like any insurance policy, there are terms and conditions you need to meet to get the cover and have your claims approved. The insurance policy booklet has complete details, so it's always good to keep that handy. But if you just want a quick guide of the cover you'll get, including what's available in a pandemic, we've got the key details here.

Have a question or need to make a claim right now? Call Allianz Insurance on 1800 648 093 (from Australia) or +617 3305 7499 (from overseas).

HSBC offers complimentary travel insurance to people with platinum and World Mastercard credit cards, as well as other types of insurance on other cards. Here are the key details for HSBC cards currently on the market.

Have an HSBC credit card that's not on this list? Check the terms and conditions available on the HSBC website to see if your card is eligible.

HSBC credit card travel insurance can give you cover for overseas trips of up to 4 months if you need to go to hospital overseas, miss flights because of delays, have your luggage stolen and for other situations that can leave you out of pocket.

The actual cover is broken down into "benefits" based on what you can and can't claim. Some claims also have an excess you need to pay before you'll get any money if a claim is approved.

Does HSBC complimentary credit card travel insurance cover pandemics?

Yes, some cover is available for COVID-19 and other pandemics or epidemics, including for cancellation and overseas emergency medical claims. There are very specific conditions you need to meet to make a claim, so it’s important to read the HSBC complimentary insurance policy document or call Allianz on 1800 648 093.

If you want more details about COVID-19 travel insurance, Finder also has a whole guide covering questions about pandemic and travel insurance .

Here, we've broken down the different types of claims, with an example of a situation when you might use the cover. But remember: You should always read the insurance policy booklet for complete details of the cover.

Medical, dental and emergencies cover with an HSBC credit card

Hsbc complimentary international travel insurance for cancellation, delays, accommodation and transport, luggage and personal items cover offered with hsbc credit card complimentary insurance, personal liability cover offered with hsbc complimentary credit card travel insurance, hsbc credit card complimentary international travel insurance for death and funerals, what's not covered.

Every insurance policy has details of when you will and won't get cover. These details can be very specific, which is why it is important to always check your insurance policy documents.

• Pre-existing medical conditions (unless you have got written confirmation from Allianz that your condition will be covered before you leave)
• Issues related to drinking alcohol or taking non-prescription drugs
• If you don't follow advice from any government, official body or mass media announcements
• Travel that's for the purpose of medical treatment
• If you're a crew member or pilot working on any of the transport
• Dangerous activities including rock climbing (with equipment), white water rafting, bungy jumping, off-piste snowboarding or skiing and quad or motorbike riding on a vehicle that has an engine capacity of 200cc or more

If you need cover for a skiing trip, bungy jumping or other overseas adventures, check out adventure sport travel insurance costs and conditions. Got a pre-existing health condition? Check out travel insurance policies that offer cover for conditions including asthma, high blood pressure and physical disabilities.

If you're planning a trip and want cover through your HSBC credit card, you'll need to meet the following requirements:

• Travel bookings. You need to use your eligible HSBC credit card to pay for at least $500 of your travel costs before the start of the trip. A simple way to meet this requirement is to pay for your airfares, cruise or hotel stays with the card. You also need a return ticket before you go.
• Australian residency. You need to permanently live in Australia.

Does HSBC credit card travel insurance cover family members?

Yes, if you meet the eligibility requirements for cover on an upcoming trip, your spouse and dependants (children) can get cover under this policy when they're travelling with you for at least half of your trip and meet the following requirements:

• They need to permanently live in Australia.
• At least $500 of their pre-paid travel costs have been paid for with your eligible HSBC credit card and they have a return ticket to Australia.
• They need to be travelling with you for at least 50% of your trip.

They also need to meet all the other conditions of the insurance policy.

Need written confirmation of cover? Call Allianz on 1800 648 093.

This complimentary international travel insurance doesn't typically cover pre-existing medical conditions.

In simple terms, that means you won't get cover if you've seen a doctor or other qualified professional about a condition that causes issues overseas. It's the same if you're aware of a physical, medical, mental or dental condition before you travel.

There are some exceptions if you're pregnant, though:

• You can get cover for pregnancy complications that arise from injury or sickness when you're travelling and meet the other eligibility requirements.
• If you were eligible for the travel insurance before you became pregnant, you'll be entitled to available cover.

If you have a pre-existing condition you want covered, follow these steps:

• Call Allianz Global Assistance on 1800 648 093. You'll then go through an assessment process.
• Answer all the questions honestly and give them any extra information they ask for.

If your pre-existing medical condition is approved for cover, you will need to pay an administration fee. This fee is non-refundable and the cost is not detailed in the insurance policy booklet, so make sure you ask how much it will be when you call Allianz.

If you follow these steps and get approved, Allianz will send you written confirmation of cover for your pre-existing medical condition.

Pre-existing medical condition definition for HSBC credit card insurance

As well as the summary above, we have included the definition that's in the current HSBC card insurance policy document for HSBC Platinum Cards and Premier World Mastercard accounts.

These are effective from 14 October 2022.

a condition of which a reasonable person in the circumstances, should have been aware at the time eligibility for the cover available was met, including:

• Any dental condition; or
• Any physical condition; or
• Pregnancy; or
• Any lifelong illness; or
• Any chronic illness; or
• Any mental illness; or
• Any current or previously treated cancer, or

Any condition which, in the last two years:

• Was treated by surgery (including day surgery); or
• Required regular medication; or
• Required on-going treatment; or
• Was referred to a specialist medical adviser; or
• Had regular reviews or check-ups; or
• Caused admission to hospital; or
• Was treated at a hospital emergency department or out-patient clinic.

If you think you will need to make a claim, contact Allianz Global Assistance as soon as possible so that they can give you specific information.

You can do this by calling +617 3305 7499 from overseas (a reverse charge number) or 1800 648 093 in Australia.

There are 2 main ways you can submit your claim:

Allianz will review your claim and ask for any further details before giving you an outcome.

What to include in your claim

With insurance claims, it's always good to include as much detail and supporting documentation as possible. It makes it easier for the insurer to look at the claim and your eligibility for a payout.

• A referral or letter from a doctor or other professional you see in relation to a claim
• Official medical reports
• Police reports
• Photos of damaged items
• Emails or letters from airlines that relate to a claim
• Receipts or other proof of purchase

Transit accident insurance

• What is it? Cover for accidents that happen when you're travelling overseas on a plane, train, cruise ship, bus or other eligible vehicle. You also get cover for related accidents that happen when you're boarding or leaving the transport.
• When can I use it? You are eligible for cover if you have paid for the entire trip with your eligible HSBC credit card before you leave. If your partner or dependants are permanent residents of Australia and travelling with you, they'll also get cover.
• Is there an excess cost? No, you don't need to pay an excess for any claims but there are limits to how much you can get paid out. For example, the loss of one hand or one foot has a maximum benefit limit of $100,000 for the cardholder, $50,000 for a spouse and $12,000 for a dependant.

Domestic travel insurance

• What is it? Cover for specific issues that come up when you're travelling to a different state or territory in Australia for up to 14 days. This can include costs relating to cancelled return flights, flight delays of 4 hours or more, delayed or lost luggage and rental vehicle excess insurance costs if you hire a vehicle.
• When can I use it? If you have used your eligible HSBC credit card to pay for the entire flight or at least $250 of your flights and accommodation before you leave. If your partner or dependants are travelling with you for at least 50% of the trip and meet these requirements, they'll also get cover.
• Is there an excess cost? Yes, $200 per claim for cover relating to cancellation or luggage.

Rental vehicle excess insurance in Australia

• What is it? Cover for damage or theft of a car or other vehicle you have hired in Australia, up to a maximum of $6,000.
• When can I use it? You are eligible for cover if you have paid for the hire car (or vehicle) using your eligible HSBC credit card. The vehicle hire agreement also has to include details of how much you need to pay if the vehicle is damaged or stolen.
• Is there an excess cost? Yes, $200 per claim.

HSBC credit cards give you access to other types of insurance, also provided by Allianz. Below is a snapshot of the different types.

Purchase protection insurance

• What is it? Cover for the cost of a new item that is stolen, accidentally damaged or lost. It covers most household and personal items such as laptops, shoes, jewellery and glasses. Exclusions include second-hand items, perishables, cash, computer software, vehicles and items you've accidentally left in a hotel after checking out.
• When can I use it? If you use your eligible HSBC credit card to pay for covered items, this insurance will apply for the first 90 days from when you get them. This cover is available for personal items bought anywhere in the world, and for gifts you have bought and given to someone who is a permanent Australian resident.
• How can I make a claim? You need to show proof that you own the item and report the loss, theft or damage to the local police or relevant authorities (such as the office of a transport company). You also need to show proof of the report, such as written confirmation for the authorities involved. Then, call Allianz on 1800 648 093.
• Is there an excess cost? Yes, $100 per claim. There are also maximum claim amounts depending on the item.

Extended warranty insurance

• What is it? Cover that doubles the manufacturer's warranty for items bought in Australia, up to a maximum period of 12 months. For example, if you bought a laptop with a 12-month manufacturer's warranty and it stopped working for no reason after 12 months, you could make a claim under this cover.
• When can I use it? If you used your eligible HSBC credit card to pay for an item and it came with an Australian manufacturer's warranty of between 7 days and 5 years. You can make a claim if something happens after the original warranty period has ended.
• How can I make a claim? Call Allianz on 1800 648 093 and give them as much information as possible.
• Is there an excess cost? Yes, $200 per claim. There is a total maximum claim limit of $10,000 per year.

Don't have complimentary insurance on your credit card yet? Compare HSBC credit cards or other cards that offer insurance .

HSBC also offers different types of travel insurance on the following cards:

• HSBC Corporate Card . If you're looking at getting a card account for your business, the HSBC Corporate Card offers travel insurance and corporate liability against deliberate misuse by cardholders.

How do I activate my HSBC travel insurance?

If you have an eligible HSBC credit card, you'll get international travel insurance when you pay for at least 90% of your return travel ticket before the start of your trip.

Does HSBC credit card travel insurance cover cruises?

Yes, the international travel insurance policy would cover you for eligible issues that come up when you're on a cruise.

Amy Bradney-George

Amy Bradney-George was the senior writer for credit cards at Finder, and editorial lead for Finder Green. She has over 16 years of editorial experience and has been featured in publications including ABC News, Money Magazine and The Sydney Morning Herald.

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All reward options are available to redeem online anytime, anywhere. 10

Enroll to earn 3X Points on fashion purchases

Bonus Points are available by invitation only and you must enroll. Elevate your style this Spring and earn more Points. Earn 3X Points (up to $3,000 spend) when you enroll, and use your credit card to pay at women’s, men’s and family clothing stores, shoe stores and cosmetic stores from April 01, 2024, through June 30, 2024.

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home&Away

Welcome to  home&Away , a unique program offering valuable benefits here and around the world. Enjoy a variety of offers from worldwide travel, shopping & unique experiences.

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2024 Priceless Surprises

Your next purchase could be a chance to win big! From now until September 30, 2024, use your HSBC Credit Card and earn entries for each eligible purchase for a grand prize trip that suits your taste. Your HSBC Mastercard Credit Card could get you closer to your choice of one of the 14 dream destinations! Let your purchases create lasting memories for you.

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HSBC Travel Credit

Earn up   to  $400 per year for all airfare, hotels and car rentals  booked through HSBC Travel powered by Priceline®

Trusted Traveler Credit

Receive one statement credit every 54 months for the  $100 Global Entry®  application fee or up to $85.00 to cover towards your  TSA Precheck  Application fee.

Rewards for Miles

Rewards for Miles has expanded to include 11 airlines and 2 hotel partners.

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Unlimited Lounge Access

You and one guest get complimentary, unlimited access to 1,000+ airport lounges provided by LoungeKey™

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Everyday Value

Get 2 months of Instacart+ and $10 off your second order each month with your HSBC Elite Credit Card.

New subscribers get $3 off Peacock Premium or $5 off Peacock Premium Plus each month when they use their HSBC Elite credit card to subscribe. Stream new movies from theaters, hit series, exclusive originals, live sports, and more.

Take 3 rides, get a $5 Lyft App credit every month with your HSBC Credit Card.

Complimentary ShopRunner membership for unlimited, free 2-day shipping and free return shipping at 140 online stores.

MLB® Postseason™ Sweepstakes

You could be at the ballpark to see your favorite team play in the  MLB® Postseason™  – compliments of your HSBC Premier Mastercard® Credit Card. Enter weekly until 9/29/24, and if your team makes it to the 2024  MLB® Postseason™ , you could win two (2) tickets to a home game – even the  World Series® 

Visit  baseballsweeps.mastercard.com  to enter.

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Cell phone coverage 2.

Get reimbursed up to $800 per claim, if your cell phone is stolen or damaged.

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. 8

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Amazon Shop with Points TM

Unlock the power of your rewards with Amazon Shop with Points. Redeeming your Credit Card Rewards Points on Amazon.com is easy. Simply link your credit card to Amazon, shop the incredible selection of products, and select HSBC Rewards at checkout to pay with your Points.

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Enjoy hidden-gem experiences and special-access events virtually and worldwide.

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A personal assistant ready to help 24/7, worldwide.

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MasterRental™ Coverage 2

Receive coverage on most rental vehicles when you rent for 31 consecutive days or less with your HSBC Elite Credit Card.

Mastercard Travel & Lifestyle Services™ 2

You have access to a suite of benefits, amenities and upgrades, preferential treatment and premium travel offers  from best-in-class travel companies across hotels, air travel, tours, cruises, car rentals and more.

Travel Medical Insurance

If you have a medical emergency away from home, Travel Services Medical Protection Insurance can  help you get the best care.

Travel Accident Insurance 2

Receive accidental death or dismemberment insurance coverage up to $1 million when travelling.

Trip Cancellation Insurance 2

Pays a benefit of up to $1,500 per insured person in the event your trip is cancelled for a covered reason. 

Mastercard ID Theft Protection™ 2

Provides you with access to a number of Identity Theft resolution services, should you believe you are a victim of Identity Theft. 

Identity Fraud Expense Reimbursement 2

Reimburses for eligible expenses incurred in the process of restoring your credit, up to $1,000 per claim, resulting from identity fraud.

Purchase Assurance 2

Provides coverage for most new items purchased that are damaged or stolen within 90 days of the date of purchase, up to $1,000 per claim.

Price Protection 2

Reimburses for the difference in price, up to $250 per claim, on eligible items should you find the same item for a lower price.

Extended warranty 

Doubles the original manufacturer’s (or store brand) warranty up to 2 years.

Travel 

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Get rewarded for every purchase you make 1 .

3× Points on Travel

Earn three Points per dollar spent on new airline, hotel, car rental purchases and more.

2× Points on Dining

Earn two Points per dollar spent on dining purchases. From your daily coffee shop to five star restaurants. 

Enroll to Earn Bonus Points 9

Earn 3X Points on fashion purchases from April 01, 2024, through June 30, 2024.

Earn one Point per dollar spent on all other purchases.

Monthly spend chart is for illustration purposes only. Your spending and Rewards Points may vary. 

60,000 Points, annually.

Redeem your points, your way!

20,000 Points

Can be redeemed for:

• $200 Cash Back
• Golf Equipment
• $300 trip booked with HSBC Travel

30,000 Points

Can be redeem for:

• $300 Cash Back
• $300 Dining Gift Card
• $450 trip booked with HSBC Travel

50,000 Points

• $500 Cash Back
• Robotic Vacuums
• $750 trip booked with HSBC Travel

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Tap & Go® for quick, secure payments

With Tap & Go® contactless payments, your HSBC Credit Card never leaves your hand. It’s not only secure but easier and faster than inserting or swiping your card for payments. 

So the next time you’re racing through a subway turnstile or grabbing a coffee on the way to work, make sure to keep your HSBC Credit Card at the top of your wallet.

You use your phone for everything else, why not purchases?

Add your HSBC Credit Card to a digital wallet and you can simply tap your phone to checkout at participating retailers. It’s quick, secure, and simple to set up. 

Plus, when you pay with mobile, you’ll also make it easier to:

• Shop online
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Get started by adding your HSBC Credit Card today.

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Important documents

• Download your HSBC Elite Credit Card Rewards & Benefits and Mastercard Guide to Benefits brochure Download your HSBC Elite Credit Card Rewards & Benefits and Mastercard Guide to Benefits brochure Download link
• Download your HSBC Mastercard credit card Cardmember Agreement. Download your HSBC Mastercard credit card Cardmember Agreement. Download link

Please note: This Cardmember Agreement contains the Terms & Conditions for all HSBC consumer credit card products. For information about your credit card account pricing and fees, contact us via Live Chat  at or call the number located on the back of your card.

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1   How Points are earned:  You earn Points when you use your card to make new purchases (minus returns, credits and adjustments). Rewards Points earn rate applies after any introductory period.  Monthly spend chart is for illustration purposes only. Your spending and Rewards Points may vary. 

All Reward option items are subject to limited availability and to the terms, conditions and restrictions imposed by suppliers. New items may replace selections, and certain items may be discontinued at any time, without advance notice. When necessary, HSBC Bank USA, N.A. may substitute a Reward of equal or greater value without advance notice. The customer will be notified of such a change when ordering. Redemption levels, Point values and availability are subject to change without prior notice.

You can receive Cash Back redemptions as a direct deposit or as a statement credit to your HSBC Elite World Elite credit card. If you select Cash Back as a direct deposit, only HSBC Bank USA, N.A. consumer checking and savings accounts in your name alone or as a joint accountholder are eligible.

2  Certain terms, conditions and exclusions apply. Cardholders need to register for this service. This service is provided by Iris® Powered by Generali. Please see your HSBC Elite World Elite Mastercard® credit card Rewards & Benefits and Mastercard Guide to Benefits brochure for details or call 1-800-MASTERCARD.

3  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.

4  Google Pay is a trademark of Google LLC.

5  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.

6  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.

7  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.

8  As an HSBC Elite 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 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, visit  https://mtr.mastercardservices.com/en/i/3705/faq  for additional information.  All third party-trademarks are the property of the respective owners.

9  To be eligible for the campaign benefit, you must successfully enroll in the program within the specified enrollment period beginning April 1, 2024, through June 30, 2024. Bonus Points accumulation starts on the date after which you successfully enrolled into the program through the end of the campaign period June 30, 2024. Transactions made outside of this period are not eligible. Bonus points accrue based on Elite or Premier Credit Card type at the time of enrollment and will not change if account is moved to another HSBC credit card. Your credit card account must remain open, active, and in good standing to continue receiving the campaign benefit. By enrolling in the credit card campaign benefit, you confirm that you have read, understood, and agreed to the above terms and conditions and, you consent to receiving communications regarding the campaign benefit and related promotions via email or other means of communication provided by you. HSBC Bank USA, N.A. reserves the right to modify, suspend, or terminate the campaign benefit and its terms at any time without prior notice.

From April 1, 2024, through June 30, 2024, HSBC Elite Mastercard credit cardholders in good standing and after successful enrollment, will earn three (3) Rewards Program Points (one Rewards Program Point and two promotional Points), up to $3,000 on net new purchases made at stores or retailers classified under the following merchant category codes (MCC): (5311) Department stores, (5611) Men’s and boys’ clothing and accessory shops, (5621) Women's Ready to Wear Clothes  (5651) FAMILY CLOTHING STORES,  (5661) SHOE STORES, (5691) MEN'S AND WOMEN'S CLOTHING STORES , (5977) COSMETIC STORES. HSBC is not responsible for 1) the merchant’s transaction description, 2) the exclusion of merchants within a merchant category code, 3) delays in the merchant submitting the transaction, or 4) if the transaction date provided by the merchant differs from your actual purchase date. If at any point during the campaign you are no longer an Elite credit cardholder, you may no longer qualify to receive this offer. 

10  Certain restrictions, limits and exclusions may apply. Please see your HSBC Premier World or HSBC Elite World Elite Mastercard® credit card Rewards & Benefits and Mastercard Guide to Benefits brochure for details.

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Travel with your taste buds through global and sustainable dishes with One Planet Plate

Eating sustainably while on a holiday can be quite daunting, but it doesn’t mean that we have to stop paying attention to our environmental footprint while on the road.

One Planet Plate presented by HSBC aims to address the inherent problems in our food system, and has pulled together chefs from across the world to showcase dishes that celebrate local ingredients, produce zero waste and are low carbon footprint.

This opens up more opportunities for you to discover new sustainable restaurants and find out what delicious sustainable food actually looks, smells and tastes like in in Singapore and globally.

We've also partnered up with amazing restaurants so that you can explore a myriad of international cuisines right at your doorstep. View a range of exclusive credit card offers so you can shop and dine sustainably whilst in Singapore.

Travel and earn cashback with our multicurrency Everyday Global Account

Sign up now and receive preferential foreign exchange (FX) rates with our Everyday Global Account.  Terms and conditions apply .

Sign up for an account with us and enjoy the following benefits 

• $0 fee in 10 currencies for your retail purchases and cash withdrawals
• Free cash withdrawals at all HSBC ATMs worldwide
• Send money internationally faster with HSBC Global Money Transfers with no fees

Open an account today

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Unlock rewards easily with 1% cashback and enjoy up to sgd300 bonus cash rewards with everyday+, 1% cashback.

on all eligible spends on your HSBC Credit Cards, HSBC Everyday Global Debit Card and GIRO bill payments .

1% p.a. Bonus Interest

on your incremental SGD average daily balances.

Receive a total of up to

in Cashback and Bonus Interest each month through HSBC Everyday+ Rewards Programme.

Plus, earn One-time Bonus Cash Reward

when you're new to the HSBC Everyday+ Rewards Programme.

Caps apply. For definition of the capitalized terms used here and further details on the HSBC Everyday+ Programme and applicable exclusions, please refer to the full terms and conditions here .

To qualify for HSBC Everyday+, simply:

Credit your salary or set up a regular deposit of at least SGD2,000/5,000 into your HSBC Everyday Global Account

Make 5 Eligible Transactions with your Everyday Global Debit Cards or any HSBC Credit Card

Deposit scheme

Singapore dollar deposits of non-bank depositors are insured by the Singapore Deposit Insurance Corporation, for up to SGD75,000 in aggregate per depositor per Scheme member by law. Foreign currency deposits, dual currency investments, structured deposits and other investment products are not insured.

Protect yourself and enjoy travel insurance promotions 

Explore hsbc credit card promotion for hotels and flights bookings , earn cashback with one multicurrency account .

Unlock instant travel rewards and elevated travel experiences with HSBC TravelOne

• Redeem travel rewards instantly with a wide range of airline and hotel partners.
• Earn up to 2.4 miles (6× Reward points) for your spending.
• Suite of travel privileges including 4 complimentary airport lounge visits, travel insurance coverage of up to USD100,000, and more
• Get 20,000 miles (in the form of 50,000 Reward points) for new HSBC TravelOne credit cardholders.

Terms and conditions apply.

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You will receive a welcome email shortly, how to activate free travel insurance cover on your credit card.

One of the biggest perks of having a rewards card or travel credit card in your pocket is the potential for complimentary travel insurance .

While it’s a great freebie to have, the fine print on credit card travel insurance can really get you. There’s nothing worse than discovering mid-trip that you aren't adequately covered.

To ensure your travel insurance is activated before you head overseas, we’ve rounded up the major Australian credit card providers who offer complimentary travel cover for their credit cards , as well as how to activate the included travel insurance.

NOTE: Before signing up for a new card, always read the terms and conditions and get across what's covered. Most included travel insurance will exclude pre-existing conditions, and may not cover for additional activities like cruise cover or snow sports.

Credit Card Providers

American express, commonwealth bank.

Underwritten by: Chubb

Eligible American Express Credit Cards :

• Qantas American Express Ultimate Credit Card
• Qantas American Express Premium Credit Card
• American Express Platinum Edge Credit Card
• American Express Velocity Platinum Credit Card
• American Express Explorer Credit Card

How to activate: Your travel insurance cover starts when you:

• Buy a return ticket from Australia.
• INTERNATIONAL:  Pay for the full fare of that ticket with your American Express card or corresponding membership points.
• DOMESTIC:  Spend at least $500 on accommodation or the full transport fare for domestic trips on your American Express card or with corresponding membership points.
• You must be a resident of Australia, a current American Express card holder (or their spouse or dependent), and are 79 or younger at the time of purchase.

What prepaid travel costs count? This one is very specific - only the full fare of your return trip counts towards activating your travel insurance cover, including flights and cruises. For domestic trips, you will need to either spend the entire cost of your return fare (bus, train, flight, cruise, etc) or at least $500 in domestic accommodation costs to activate your travel insurance cover.

Are my spouse and dependants covered? This will depend on the type of card you have, as certain cards will cover your spouse and dependents under the age of 22. 

Underwritten by: Insurance provided by Zurich Australian Insurance Limited through its agent Cover-More Insurance Services. 

Eligible Commonwealth Bank Credit Cards:

• Commonwealth Bank Smart Awards Credit Card
• Commonwealth Bank Ultimate Awards Credit Card

How to activate: Activate cover with the press of a button via NetBank, the CommBank app, or directly with Cover-More.

What prepaid travel costs count? Cover is automatically activated for 12 months from when you make the booking for your trip. However, if you're trying to activate mid-trip keep in mind a three day waiting period applies.

Are my spouse and dependants covered? Yes, your spouse and up to ten children are covered as long as they are travelling with you (the cardholder) for the duration of the trip.

Underwritten by: Allianz

Eligible NAB Credit Cards :

• NAB Qantas Rewards Signature Credit Card
• NAB Qantas Rewards Premium Credit Card
• NAB Rewards Signature Credit Card
• NAB Rewards Platinum Credit Card
• NAB Low Fee Platinum Card

How to activate: NAB have range of travel insurance plans on their credit cards and each one is activated in a slightly different way. For your overseas travel insurance plan, you need to:

• Have an eligible card.
• Have a return trip booked from Australia.
• Before leaving Australia, spend $500 on your prepaid travel costs on the eligible NAB credit card.
• Be an Australian resident and under 91 years of age at the time of departure.

What prepaid travel costs count? Your return flights or boat trip, transport, accommodation and tours DO count, but travellers cheques and foreign currency DON’T count (check T&Cs for further information). To qualify, you need to use your NAB card or card details to purchase these items – using the account linked to your debit card via BPay or PayPal won’t activate your travel insurance.

Are my spouse and dependants covered? Yes, but they will also need a return ticket for the trip and a $500 spend each on prepaid travel costs, paid on your eligible card, and they will need to satisfy the relevant eligibility requirements.

Eligible Westpac Credit Cards :

• Westpac Altitude Black Credit Card (available in Altitude Rewards, Velocity Frequent Flyer, and Qantas Frequent Flyer varieties)
• Westpac Altitude Platinum Credit Card  (available in Altitude Rewards, Velocity Frequent Flyer, and Qantas Frequent Flyer varieties)

How to activate:  To activate travel insurance on your Westpac credit card, you'll need to have:

• A return ticket to Australia booked before you leave
• An eligible Westpac card
• Paid for $500 of your prepaid travel costs with that card before leaving Australia

You must also be under 81 years old and an Australian resident.

What prepaid travel costs count? Your return flight, accommodation, other travel while you’re away and any tours that might be on your itinerary can be included in the $500 figure.

Are my spouse and dependants covered? Yes, as long as they also have a return ticket and $500 of their travel costs have been paid on the Westpac credit card in question, and are travelling with the cardholder for at least 50% of their travel time.

Eligible ANZ Credit Cards :

• ANZ Frequent Flyer Platinum
• ANZ Frequent Flyer Black
• ANZ Rewards Platinum
• ANZ Rewards Black
• ANZ Rewards Travel Adventures
• ANZ Platinum

How to activate: At $250, ANZ has one of the lowest thresholds for activation. To activate your ANZ travel insurance, all you need to do is:

• Have one of the above eligible cards
• Use it to purchase just $250 of your prepaid travel costs
• Have a return flight from Australia
• Be under 81 years old

What prepaid travel costs count? This can include flights, other transport, accommodation or tours for you and your spouse or dependent children. Unfortunately, you won’t be able to use your reward points towards your $250 payment.

Are my spouse and dependants covered? As long as they are travelling with you, have a return ticket and $250 of their prepaid travel costs have been paid on your ANZ card.

Eligible Citi Credit Cards :

• Citi Prestige Credit Card
• Citi Premier Credit Card
• Citi Rewards Credit Card

How to activate:  To get your insurance up and running, you’ll need to make sure:

• Your overseas trip does not last more than 6 consecutive months.
• Your travel ticket was purchased using an eligible Citi credit card or via the associated frequent flyer program.
• If you're purchasing with frequent flyer points, you must spend a minimum of 15,000 points accrued on a Citi Card or through Citi Rewards over a 12 month period prior to buying your travel ticket. 

What prepaid travel costs count? Only the cost of your overseas travel ticket is relevant to your travel insurance policy activation.

Are my spouse and dependants covered? Yes, as long as they’ve met the same eligibility requirements as the cardholder, which means paying for their ticket using the eligible Citi credit card. They will also need to be travelling with you for at least 50% of the trip.

Eligible HSBC credit cards :

• HSBC Platinum Qantas Credit Card
• HSBC Platinum Credit Card
• HSBC Premier World MasterCard
• HSBC Star Alliance Credit Card

The HSBC Low Rate Credit Card does offer domestic travel insurance, but not international. 

How to activate: There are two simple steps to activating travel insurance on an HSBC credit card, which are:

• Have a return ticket for your trip
• Spend at least $500 with your card on prepaid travel costs before you leave.

You will also need to be an Australian resident.

What prepaid travel costs count?  In the $500 you need to spend towards your trip, you can include your return tickets and prepaid accommodation costs.

Are my spouse and dependants covered? Yes, but they need to activate their travel insurance in the same way you do. They’ll also have to be travelling with you for at least 50% of the trip.

Eligible St. George Credit Cards :

• St. George Amplify Rewards Signature Credit Card
• St. George Amplify Rewards Platinum Credit Card
• St. George Amplify Qantas Signature Credit Card
• St. George Amplify Qantas Platinum Credit Card

How to activate: To activate your St. George travel insurance cover, you’ll need to make sure:

• You've bought a return ticket to Australia for your trip
• You've paid $500 of your prepaid travel expenses with your eligible St. George card
• You're under 81 years old and an Australian resident

What prepaid travel costs count? Accommodation, flights, other travel, and tours can all contribute to the $500 required to activate your included travel insurance.

Are my spouse and dependants covered? Your spouse and any dependents are covered as long as they are travelling with you at least 50% of the time and meet the criteria of having a return ticket, $500 of their prepaid travel expenses paid on your card, and are under 81 years old. 

Underwritten by: Cover-More

Eligible Bankwest Credit Cards :

• Bankwest Qantas World Mastercard
• Bankwest Qantas Platinum Mastercard
• Bankwest More Platinum Mastercard
• Bankwest More World Mastercard
• Bankwest Zero Platinum Mastercard
• Bankwest Breeze Platinum Mastercard

How to activate: You’ll be automatically covered as long as you hold one of the eligible Bankwest cards. Keep in mind if you're over 80 years old you won't have access to complimentary medical cover. 

What prepaid travel costs count? There are no minimum prepaid travel costs required to activate your cover. You can see your complimentary cover through either the Cover-more or Bankwest apps. This policy only covers the basics. You do have the option to upgrade to a more comprehensive cover for an added premium.

Are my spouse and dependants covered? Yes! Once you are eligible, they are too, as long as they’re travelling with you for the duration of the trip.

Don’t forget these important rules!

Our mantra here at Mozo may as well be, “Always read the product disclosure statement ”, as this will tell you what the inclusions/exclusions are of your chosen policy.

Here are some things to keep in mind about your travel insurance policy if you activate it through your credit card:

• Pre-existing medical conditions aren’t covered under most of these policies. If you’re travelling with a pre-existing medical condition, you might have to think about purchasing a standalone policy that suits your needs.
• Unless it's specified (like with Amex or HSBC) you don’t NEED to pay for your return ticket with your credit card to be eligible, but it’s a good way to spend a chunk of the required amount.
• The period of cover generally ranges from 3-6 months, but it’s important to check your particular policy.
• Most of the time, there’s no need to tell your bank that you’re travelling - your cover is automatically applied once you meet the eligibility requirements. It might be helpful anyway, to prevent foreign charges being flagged as fraudulent!
• For spouses or dependent children to be covered, they usually need to be travelling with the card holder for the duration of the trip. Check your policy for an exact definition of who qualifies as a dependent, because the age limit sometimes changes from policy to policy. (Otherwise, check out our guide to family travel insurance ).
• A lot of these travel insurance policies have age limits, usually up to 80 years of age. If you or someone you’re travelling with needs seniors' coverage, take a look at our handy seniors guide.

Ready to jet-set? Here’s a pre-trip travel document checklist to get you started.

Head to the best travel insurance hub for more expert tips, or find more of the best credit cards for some year round picks. 

Meanwhile, if complimentary travel insurance isn't enough, start comparing standalone travel insurance policies below.

Compare travel insurance policies - last updated 5 April 2024

Mozo experts choice awards won:

• Exceptional Value Ski Travel Insurance - 2024
• Exceptional Value Essential Travel Insurance - 2024
• Exceptional Value Comprehensive Travel Insurance - 2024

International Travel Insurance

Covid medical cover, covid cancellation cover, overseas hospital, cancellation cover.

Get protection in a few simple steps with Freely travel insurance all in the palm of your hand. Freely Travel offers 24/7 emergency and medical support, 24/7 customer service. Plus, you can tailor your policy so you only pay for what you need, and adapt your cover in near real time. Add-ons such as car rental excess, snow sports or other activities also available. Receive 10% off your travel insurance policy with promo code: MOZO10. T&Cs apply, go to site for full detail.

Terms, conditions, exclusions, limits and sub-limits may apply to any of the insurance products shown on the Mozo website. These terms, conditions, exclusions, limits and sub-limits could affect the level of benefits and cover available under any of the insurance products shown on the Mozo website. Please refer to the relevant Product Disclosure Statement and the Target Market Determination on the provider's website for further information before making any decisions about an insurance product.

To see the Pre-existing Conditions and Activities covered by this policy please visit our detailed page about this product.

Comprehensive

Enjoy unlimited medical cover and 24/7 emergency assistance services when you travel. Get unlimited cover for cancellation fees and prepaid travel expenses. Cover for luggage and travel documents. $5,000,000 personal liability cover.

Backed by the NIB, one of Australia’s largest travel insurance providers, Travel Insurance Saver brings you peace of mind on your travels. Compare three tiers of insurance cover, featuring benefits like 24 hour emergency assistance, emergency medical cover, luggage cover, cancellation cover and more.

• Exceptional Value Annual Multi-Trip Travel Insurance - 2024

International Comprehensive Single

Enjoy the security of single trip cover on your next holiday with Southern Cross Travel Insurance. Get 24 hour emergency assistance, cover for cancelling or changing your journey before you leave, protection for lost, stolen or damaged goods as well as cover to replace lost or stolen cash, banks or travel documents. Be in to win 1 of 5 $1,000 cash prizes! T&Cs Apply. Offer ends 30 September 2023.

• Exceptional Quality Travel Insurance - 2024
• Travel Insurance Company of the Year - 2024

Be covered for international overseas and medical expenses. Emergency medical assistance 24 hours/365 days a year. Cover for cancellation fees and lost deposits. Cover for luggage and personal money. Dependents covered free of charge (conditions apply). Limited COVID cover available. Cancellation cover for COVID claims limited to $3,500.

Get the security of unlimited medical cover and 24/7 emergency assistance services when you travel. Get cover for cancellation fees and prepaid travel expenses. Cover for luggage and travel documents. $2,500,000 personal liability cover.

Australia Post International Comprehensive Travel Insurance covers overseas medical expenses, cancellation costs and more (T&Cs apply). Optional extras like cover for existing medical conditions and winter sports available. 24/7 emergency support. Get a quote in minutes. Reduce your premium with variable excess. Policies may not be available to all travellers. Australian Postal Corporation ABN 28 864 970 579 (AR No 338646) is the distributor of Australia Post Travel Insurance.

^See information about the Mozo Experts Choice Travel Insurance Awards

Mozo provides general product information. We don't consider your personal objectives, financial situation or needs and we aren't recommending any specific product to you. You should make your own decision after reading the PDS or offer documentation, or seeking independent advice.

While we pride ourselves on covering a wide range of products, we don't cover every product in the market. If you decide to apply for a product through our website, you will be dealing directly with the provider of that product and not with Mozo.

Who we are and how we get paid

Our goal at Mozo is to help you make smart financial decisions and our award-winning comparison tools and services are provided free of charge. As a marketplace business, we do earn money from advertising and this page features products with Go To Site links and/or other paid links where the provider pays us a fee if you go to their site from ours, or you take out a product with them. You do not pay any extra for using our service.

We are proud of the tools and information we provide and unlike some other comparison sites, we also include the option to search all the products in our database, regardless of whether we have a commercial relationship with the providers of those products or not.

'Sponsored', 'Hot deal' and 'Featured Product' labels denote products where the provider has paid to advertise more prominently.

'Mozo sort order' refers to the initial sort order and is not intended in any way to imply that particular products are better than others. You can easily change the sort order of the products displayed on the page.

Important information on terms, conditions and sub-limits

Terms, conditions, exclusions, limits and sub-limits may apply to any of the insurance products shown on the Mozo website. These terms, conditions, exclusions, limits and sub-limits could affect the level of benefits and cover available under any of the insurance products shown on the Mozo website. Please refer to the relevant Product Disclosure Statement and the Target Market Determination on the provider's website for further information before making any decisions about an insurance product.

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Using your card abroad

Access your money worldwide, including local currency withdrawals and payments

Discover easier worldwide spending and payments when you open an Expat Bank Account.

Use your card worldwide

Enjoy the convenience of using your card wherever you see your card's logo. Fees apply.

• Use in any outlet that displays the Visa or Mastercard logo on your card
• ATM locator to help you find where you're able to use your visa debit or credit card abroad
• Fees apply and non-HSBC cash machines may also charge a fee[@cashwithdrawals]

Security while travelling

If you let us know you're away, we can manage your transactions more effectively while you're on holiday. 

• We automatically monitor accounts for unusual foreign transactions
• We look out for possible fraud and declined transactions
• If you have a joint account you both need to notify us. For credit cards, only the primary cardholders needs to give us travel notifications

How to use your card abroad

Overseas usage fees .

Any non sterling transactions (including cash withdrawals) are converted to sterling by using the relevant payment scheme exchange rate applying on the day the conversion is made. We will deduct the payment and related transaction fees from your account once we receive details of the payment from the card scheme, at the latest the next working day.

Cost illustration (Visa) 

Cost illustration of making a transaction abroad of EUR 100.00 using the Visa exchange rate on 6 June 2017 of 0.876855 = GBP 87.69 to which will be added the fees appropriate to your card and transaction.

See more information on the  rate of exchange Visa  used when converting your transaction.

Cost illustration (Mastercard) 

Cost illustration of making a non-sterling transaction of EUR 100.00 using the Mastercard exchange rate on 5 June 2017 of 0.875944 = GBP 87.59 to which will be added the fees appropriate to your card and transaction.

See more information on the  rate of exchange Mastercard  used when converting your transaction.

You receive up to 56 days interest-free credit on credit card purchases if you pay your whole balance in full and on time. Please be aware that interest is charged from the date transactions are applied to your account until payment is received. There is no interest-free period on cash advances. Some cash machine operators may apply a direct charge for withdrawals from their cash machines and this will be advised on-screen at the time of withdrawal. ATM withdrawal limits are applicable.

You can use your card to make non-sterling cash withdrawals from self service machines operated by a third party and agree that the third party will perform the currency conversion for you. The applicable exchange rate, the amount of cash you will receive and the amount in sterling will be shown on the screen. The amount in sterling will be deducted from your account balance when we receive details of the payment from the self service machine operator, at the latest the next working day.

Travelling in the EEA 

If you're travelling in the EEA[@eea], see how paying in local currency on your HSBC credit or debit card compares to the European Central Bank (ECB)'s latest foreign exchange rates .

Let us know when you're travelling 

Tell us when you're away so we can manage your transactions more effectively.

• Tell us online using our online Live Chat service
• HSBC Premier customers call: +44 1534 616 313
• HSBC Advance customers call: +44 1534 616 212

Just so you know, we may monitor and record your communications with us. This is in the interest of security and to help us continually improve our service.

Start using your card abroad

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If you're already with HSBC Expat, simply activate your card to get started.

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You'll need to apply for an Expat Bank Account.

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How to activate your credit card

A step-by-step guide to activating your new credit card

When your new credit card arrives, you'll need to activate it before you can use it.  Sign the back of your card and choose one of two easy ways to activate it:

If you haven't already, first download the HSBC AU mobile app on your mobile device and then follow he steps below.

• Log into your account on the HSBC AU mobile app.
• Tap on your new credit card from the account summary page.
• Tap 'Manage' just below the card details to open the options menu.
• Select 'Activate Credit Card' and enter the 16-digit card number followed by the card expiry date and the date of birth of the primary card holder.
• Submit and your card will be activated instantly.

Online activation

If you are registered for online banking it's easy to activate your card online. Just follow these steps:

• Log onto online banking.
• Select your credit card account.
• Select 'Manage your account' and 'Activate card' and follow the steps to activate your card.

Phone activation

HSBC Premier customers, please call the HSBC Premier Centre on  1300 301 168   (or +61 2 9005 8192 if calling from overseas)

Other customers: call our 24-hour card activation hotline on 132 152 (or +61 2 9005 8511 if calling from overseas) and follow the instructions

• Enter your card number.
• Follow the prompts to register your account for our automated banking services (if you're not already registered).
• Once registered, select the card activation option and follow the prompts. Your HSBC credit card will be ready to use as soon as you're done.

HSBC Premier customers

1300 301 168 (or + 61 2 9005 8192 if calling from overseas)

Other customers

132 152 (or + 61 2 9005 8511 if calling from overseas)

At an HSBC branch

• Find your nearest branch  

Activate my credit card

Log onto Online Banking to activate your credit card now.

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Key benefits of travel medical insurance

• Travel medical insurance coverage
• Who needs medical travel insurance?

Choosing the right travel medical insurance

How to use travel medical insurance, is travel medical insurance right for your next trip, travel medical insurance: essential coverage for health and safety abroad.

Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate insurance products to write unbiased product reviews.

• Travel medical insurance covers unexpected emergency medical expenses while traveling.
• Travelers off to foreign countries or remote areas should strongly consider travel medical insurance.
• If you have to use your travel medical insurance, keep all documents related to your treatment.

Of all the delights associated with travel to far-flung locales, getting sick or injured while away from home is low on the savvy traveler's list. Beyond gut-wrenching anxiety, seeking medical treatment in a foreign country can be exceedingly inconvenient and expensive.

The peace of mind that comes with travel insurance for the many things that could ail you while abroad is priceless. As options for travel-related insurance abound, it's essential to research, read the fine print, and act according to the specifics of your itinerary, pocketbook, and other needs.

Travel insurance reimburses you for any unexpected medical expenses incurred while traveling. On domestic trips, travel medical insurance usually take a backseat to your health insurance. However, when traveling to a foreign country, where your primary health insurance can't cover you, travel medical insurance takes the wheel. This can be especially helpful in countries with high medical care costs, such as Scandinavian countries.

Emergency medical evacuation insurance

Another benefit that often comes with travel medical insurance, emergency medical evacuation insurance covers you for any costs to transport you to an adequately equipped medical center. Emergency medical evacuation insurance is often paired with repatriation insurance, which covers costs associated with returning your remains to your home country if the worst happens. 

These benefits are for worst-case scenarios, but they might be more necessary depending on the type of trips you take. Emergency medical evacuation insurance is helpful if you're planning on traveling to a remote location or if you're traveling on a cruise as sea to land evacuations can be costly. Some of the best travel insurance companies also offer non-medical evacuations as part of an adventure sports insurance package.

It's also worth mentioning that emergency medical evacuation insurance is required for international students studying in the US on a J Visa. 

Types of coverage offered by travel medical insurance

The exact terms of your coverage will vary depending on your insurer, but you can expect most travel medical insurance policies to offer the following coverages.

• Hospital room and board
• Inpatient/outpatient hospital services
• Prescription Drugs
• COVID-19 treatment
• Emergency room services
• Urgent care visits
• Local ambulance
• Acute onset of pre-existing conditions
• Dental coverage (accident/sudden relief of pain)
• Medical care due to terrorist attack
• Emergency medical evacuation 
• Repatriation of mortal remains
• Accidental death and dismemberment

Travel medical insurance and pre-existing conditions

Many travel insurance providers will cover pre-existing conditions as long as certain conditions are met. For one, travelers need to purchase their travel insurance within a certain time frame from when they placed a deposit on their trip, usually two to three weeks. 

Additionally, travel insurance companies usually only cover stable medical conditions, which are conditions that don't need additional medical treatment, diagnosis, or medications.

Who needs travel medical insurance?

Even the best-laid travel plans can go awry. As such, it pays to consider your potential healthcare needs before taking off, even if you are generally healthy. Even if well-managed, preexisting conditions like diabetes or asthma can make a medical backup plan even more vital.

Having what you need to refill prescriptions or get other care if you get stuck somewhere other than home could be essential to your health and well-being. That's without counting all the accidents and illnesses that can hit us when away from home.

Individuals traveling for extended periods (more than six months) or engaging in high-risk activities (think scuba diving or parasailing) should also consider a solid medical travel plan. Both scenarios increase the likelihood that medical attention, whether routine or emergency, could be needed.

In the case of travel via the friendly seas, it's also worth considering cruise trip medical travel insurance . Routine care will be available onboard. But anything beyond that will require transportation to the nearest land mass (and could quickly become extremely expensive, especially if you're in another country).

Like other types of insurance, medical travel insurance rates are calculated based on various factors. Failing to disclose a preexisting health condition could result in a lapse of coverage right when you need it, as insurers can cancel your policy if you withhold material information. So honesty is always the best policy.

Even the best-laid travel plans can go awry. As such, it pays to consider your potential healthcare needs before taking off, even if you are generally healthy. Making the right choice when shopping for travel medical insurance can mean the difference between a minor hiccup in your travels and a financial nightmare. 

When a travel insurance company comes up with a quote for your policy, they take a few factors into consideration, such as your age, your destination, and the duration of your trip. You should do the same when assessing a travel insurance company. 

For example, older travelers who are more susceptible to injury may benefit from travel medical insurance (though your premiums will be higher). If you're traveling for extended periods throughout one calendar year, you should look into an annual travel medical insurance plan . If you're engaging in high-risk activities (think scuba diving or parasailing), you should seek a plan that includes coverage for injuries sustained in adventure sports.

Travel medical insurance isn't just for peace of mind. If you travel often enough, there's a good chance you'll eventually experience an incident where medical treatment is necessary.

Before you submit your claim, you should take some time to understand your policy. Your travel medical insurance is either primary (you can submit claims directly to your travel medical insurance provider) or secondary (you must first submit claims to your primary insurance provider). In the case of secondary travel medical insurance, a refusal notice from your primary insurance provider, even if it does not cover medical claims outside the US, is often required as evidence of protocol.

On that note, you should be sure to document every step of your medical treatment. You should keep any receipts for filled prescriptions, hospital bills, and anything else documenting your medical emergency.

As many people have found out the hard way, reading the fine print is vital. Most travel insurance policies will reimburse your prepaid, nonrefundable expenses if you fall ill with a severe condition, including illnesses like COVID-19. 

Still on the fence about whether or not medical travel insurance is worth it ? It's worth noting that many travel insurance plans also include medical protections, so you can also protect against trip cancellations and other unexpected developments while obtaining travel medical insurance.

While short, domestic trips may not warrant travel medical insurance, it may be a good idea to insure longer, international trips. You should also consider travel medical insurance for trips to remote areas, where a medical evacuation may be expensive, and more physically tasking trips.

While shopping for travel medical insurance may not be fun, a little advance leg work can let you relax on your trip and give you peace of mind. After all, that is the point of a vacation. 

Medical travel insurance frequently asked questions

Trip insurance covers any unexpected financial losses while traveling, such as the cost of replacing lost luggage, trip interruptions, and unexpected medical expenses. Travel medical insurance just covers those medical expenses without the trip interruption or cancellation insurance.

Travel insurance companies usually offer adventure sports as add-on coverage or a separate plan entirely. You'll likely pay more for a policy with adventure sports coverage. 

Many travel medical insurance policies now include coverage for COVID-19 related medical expenses and treat it like any other illness. However, you should double-check your policy to ensure that is the case.

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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• High value cover for low premiums
• Extensive Cover options
• Global presence and worldwide arrangements
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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

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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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How HSBC Transformed Its Customer Experience

Sponsor content from HSBC.

In every sector, technological advances are raising customers’ expectations regarding how they should be able to interact with brands.

The banking and finance sector, which has long emphasized product strategy over customer experience (CX), is facing increasing pressure from brick-and-mortar, online, and fintech competition. This makes it critical for brands in the industry—especially well-established ones with a heavy reliance on a human touch—to deliver CX that gives customers what they truly want and need.

Millennial and Gen Z bank customers in particular are demanding frictionless CX that mirrors non-financial digital CX—such as their interactions with retail, travel, and entertainment brands—and helps them live their lives with more convenience.

Two-thirds of Hong Kong Millennials in a recent HSBC survey rated seamless integration of their banking services as “extremely” or “very” important. Attracting these consumers and encouraging them to expand their relationships with the bank require a strengthened focus on building CX that helps people integrate and navigate their financial lives.

A seamless banking experience benefits all customers, so every bank needs a CX roadmap that outlines customers’ diverse visions, priorities, and needs at every life stage in order to offer consistent and personalized experiences and build brand loyalty.

HSBC Hong Kong’s customer-centric approach to building a better CX, both online and offline, relies on a framework built around a customer experience model (CEM) and customer lifecycle management (CLCM).

Elevating Customer Experience with Customer Experience Model and Customer Lifecycle Management

To gain an in-depth understanding of customer pain points, HSBC builds a CEM by conducting Net Promoter Score (NPS) surveys at various touchpoints and channels. Using an automated Voice of the Customer engine, the CEM can derive customer insights from raw data, enabling HSBC to address negative CX promptly.

HSBC applies the survey results to its Customer Forum, a governance and discussion platform in which all departments can review initiatives through the customer lens to help the bank prioritize the journey improvements that matter most to customers.

The implementation of this “NPS ecosystem” has revolutionized the bank’s culture by placing customer-centricity at the core of its business strategy for the first time and embedding NPS into the scorecards of every staffer.

The CLCM framework applies a centralized, data-led approach to improve customer engagement by analyzing a massive volume of data points from transactional and non-transactional behaviors and integrating predictive capabilities to give users a seamless, tailored CX.

CLCM has transformed the way HSBC interacts with its customers by ensuring that the bank can identify and meet their banking needs in real time. Also, the interplay between CEM-generated insights and CLCM-prescribed actions results in a regular, systematic progression of customer engagement as well as improved products and services and more-effective lifecycle management.

Turning Customer Insight into Action

To enrich CX across four lifecycle stages—acquisition, activation, relationship-deepening, and retention—HSBC employs machine learning (ML) and real-time computing to analyze 1.3 million customer behavior signals every day, including transactions, card use, digital footprints, and app signals. These insights help HSBC generate customer profiles and inform its strategic response.

Real-time artificial intelligence (AI)–driven findings also help the CLCM framework improve customers’ financial well-being and move them closer to achieve their wealth goals through automated, customized onboarding and relationship-building communications.

HSBC turns such insights into action by creating products and offers that cater to individual needs and changing trends. CLCM tracks customer input and activities in real time with robust data-analytics capabilities that help the bank further evaluate and refine its customer engagement.

Insights from the CEM have shown that the end-to-end banking experience matters more to customers than product features. It has also revealed that customers prefer digital-first interactions to branch visits, with 90% of respondents saying digital is key to their experience. As a result, HSBC has committed more resources toward improving its digital capabilities for a true “bank in your pocket” experience.

The Digital Account Opening Journey

HSBC Hong Kong has used insights from its CEM and CLCM platforms to transform its digital account-opening process for customers. Streamlining the process is one key area of CX improvement.

NPS surveys showed that customers felt the account-opening process was overly long and complex, requiring in-person branch visits and paper documents—critical pain points that led HSBC to reshape and simplify its account-opening process from a 45-minute, in-person procedure at a bank branch into a five-minute process available 24/7 on mobile devices. The change set the industry standard upon its introduction in 2021.

In response to customer demand for easier application procedures, HSBC also integrated its credit card application and investment account–opening processes into the same journey, giving most customers the instant ability to save, spend, and invest in one go within just 12 minutes.

Recognizing that new customers have diverse interests and needs, HSBC also developed 60 automated and personalized messaging modules explaining account features and dedicated offers over the course of a customer’s first 90 days, all based on data-driven insights and customer behaviors.

In addition to the HSBC account welcome email, the messaging engine screens customers’ identities and detects their messaging preferences to provide additional onboarding modules tailored to their specific banking needs.

The elevated customer experience resulted in 20% more new customers choosing HSBC as their primary bank. As of 2023, eight out of 10 Hong Kong Millennials bank with HSBC, a testament to the bank’s emphasis on customer experience.

A New Banking Experience

Following four years of transforming its customer experience through the CEM and CLCM, HSBC achieved a record-high, market-leading NPS score for the second consecutive year in 2023, indicating that customers prefer HSBC to other banks and are more willing to recommend it to their friends and families.

“CLCM is at the heart of our customer experience promise and aims to bring the best personalized customer engagement at the right time and right place, empowered by the technology, data, and analytics,” says Maggie Ng, HSBC’s head of wealth and personal banking for Hong Kong.

Learn more about HSBC Hong Kong—Accounts, Insurance, Credit Cards, Loans .