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How Do Travel Insurance Claims Work?

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Table of Contents

How travel insurance claims work

How to submit your travel insurance claim and get reimbursed, time limits for filing a claim, how long do claim submissions take, how to choose a travel insurance plan, if you need to file a claim from your travel insurer ....

Whether your flight has been canceled, your luggage is lost or you get sick or injured during your trip, travel insurance can protect you. But to get your benefits, you need to submit one or more travelers insurance claims, depending on your situation.

Here's how travel insurance claims work and what to watch out for when submitting your claim.

Travel insurance claims are the system through which a traveler submits documentation to their insurance provider for reimbursement of a covered expense. This reimbursement is not guaranteed; instead, it hinges on the approval of the claim from the insurance underwriter.

In general, the provider will need to verify the situation before remitting any reimbursements to travelers, and the level of coverage varies significantly. Insurance providers typically have very explicit, extensive requirements in order for claims to be confirmed and refunded.

Travel insurance 101 means knowing how travel insurance claims work. Hopefully, you’ll never need to file a claim, but it pays to know the following facts if the worst should happen.

» Learn more: What to know before buying travel insurance

You must qualify for a covered reason

Insurance companies are very explicit about the situations they will cover, and coverage details vary by company and the type of policy that you've purchased.

In general, the more expensive your policy, the more benefits the policy will offer. While some policies cover only medical emergencies, others cover trip cancellation and interruption , lost or stolen bags, and other losses.

Even though policies can be dense or boring to read, be sure you look at the details of yours so you know what types of situations you're covered for .

The details of your claim matter

The details about your reason for canceling are important, and the specifics will determine your eligibility. For example, you may not be feeling well, but are you sick enough that a doctor would suggest that you cancel your trip? There's a big difference between having a small cough and having pneumonia.

You may have to go through extra steps, like seeing a doctor, to prove your eligibility.

» Learn more: The best travel insurance companies

Reservations must be nonrefundable to qualify for cancellation benefits

When you’re traveling on miles and points, you can receive medical, trip delay and lost luggage benefits from a travel insurance policy you purchase. But if you want reimbursement for a canceled flight, travel insurance only covers nonrefundable expenses.

This prevents travelers from trying to "double-dip" and get a refund from both the airline and the travel insurance company.

Keep cancellation policies in mind before purchasing travel insurance. If you’re flying Southwest Airlines, which offers easy changes and refunds, and if your hotel has a 24-hour cancellation policy and you don’t have many activities booked in advance, you may not need travel insurance. The more flexible your plans, the less need you will have for travel insurance.

Claims should be submitted as soon as possible

Being proactive and timely with your claim ensures you won’t miss any deadlines that the travel insurance company may have. You don't want to go through the entire claims process only to find out that you missed the deadline by a few days. Instead, start your claim as soon as you can.

Organization is your friend

The travel insurance company will require documentation to support your claim, so you'll want to be organized as you collect the necessary records.

To stay organized with your documents, set up a folder in your email account for relevant messages, keep all paper receipts in an envelope and write down details of every conversation.

Many travelers digitize everything to make it easier to submit documents via email or an online portal. Your documentation should show that you have a valid claim that meets the insurance company requirements.

Time limits for filing a travelers insurance claim vary from company to company, so it is wise to refer to your specific policy to ensure you have a clear idea of the timeframe. Overall, most companies require claim submissions within 3 months of the incident.

For instance, according to insurance provider Seven Corners , "You must file your claim within 90 days of the incident, also known as the timely filing limit."

After you've submitted your claim — and assuming you have provided all of the required documentation and other elements — it can take up to two weeks for your reimbursement to be remitted.

Generally speaking, you should expect communication regarding your claim within that same timeframe. This could be to alert you of your claim's approval or to ask for additional evidence.

The more complex your travel insurance claim, the longer your approval and reimbursement process may take.

If your claim is approved, expect to receive a check or direct deposit of the amount owed.

Shop around if you’re looking to purchase a travel insurance plan. There are many online providers of travel insurance and the coverage amounts, limits, exclusions and other offerings can vary widely from provider to provider, not to mention policy to policy — even within the same company.

A comparison tool, like SquareMouth , can help you filter results based on what is important to you. You can filter your search to find policies that cover trip cancellation, trip interruption, baggage, medical treatment or other needs. You can then compare the cost of one policy against others based on your preferences and budget.

Travel insurance offers valuable protection in case something goes wrong with your travel plans. Your policy benefits will vary based on the level of coverage purchased and which company is offering the protection. When evaluating travel insurance providers, learn about their claims process should the worst-case scenario come true.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are some of the best travel credit cards of 2024 :

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Wells Fargo Autograph℠ Card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

on Chase's website

1x-10x Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.

1x-5x 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.

1x-2x Earn 2X points on Southwest® purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1X points on all other purchases.

50,000 Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.

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Premier credit card benefits

Get more from your credit card with our offers and benefits

By using your Premier credit card, you can take advantage of benefits worth over  $1,200  in the first year and  $600  per year thereafter. 4

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Enjoy 15% off the list price of the full edX course catalogue. edX is a large open online course provider. It hosts online university-level courses, in a wide range of disciplines, to a worldwide student body.

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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Travel rewards and benefits

Security screening statement credit

Speed up airport screening with a security screening statement credit of up to  $85  towards Global Entry, TSA PreCheck, TSA PreCheck by CLEAR, or NEXUS once every 54 months using your HSBC Premier credit card.

Booking.com

Make the most of your travel. Get up to 7% off prepaid bookings for accommodation.

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.

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

Everyday Value

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

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

Shop your favorite items and top deals all in one place. Plus, sign up for a complimentary ShopRunner membership to enjoy free 2-day shipping, exclusive discounts and more.

TV subscription streaming credit

Earn up to $60 in statement credits annually for your cable and streaming subscriptions. You will automatically receive up to $5 each month you pay for your streaming subscription using your Premier Credit Card.

Peace of mind

Cell Phone Coverage

Get reimbursed up to $600 per claim, if your cell phone is stolen or damaged.

ID Theft Protection

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

Mastercard Global Service TM

Mastercard Global Service™ provides worldwide, 24-hour assistance with Lost and Stolen Card Reporting, Emergency Card Replacement, and Emergency Cash Advance.

Feel better knowing you’re not being overbilled. Get a complimentary HealthLock membership with a no-cost trial upgrade.

Purchase Assurance 3

Get coverage for most new items purchased that are damaged or stolen within 90 days of the date of purchase, up to $1000 per claim.

Hotel and motel burglary insurance 

Receive reimbursement for the cost of replacing or repairing items that have been stolen or damaged as the result of a burglary by forcible entry into your hotel or motel room.

Travel experiences and services

Priceless tm experiences.

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

Mastercard Travel & Lifestyle Services™

Get benefits, amenities and upgrades, preferential treatment and premium travel offers from best-in-class companies across hotels, air travel, tours, cruises, car rentals and more.

Priceless Golf®

Play like never before, with priceless offers and global golf experiences.

Enjoy exclusive day passes to luxury resorts. Earn a $20 statement credit on your next ResortPass booking.

• Travel insurance and additional perks

Trip Cancellation Insurance

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

Travel Accident Insurance

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

Mastercard Airport Concierge™

Your passport to the finer side of air travel. Enjoy a 15% savings on Airport Meet and Greet services. 

Lost or Damaged Luggage

Get reimbursed for checked or carry-on luggage that is lost or damaged while traveling on a common carrier - up to $1,500 per claim.

Coverage is limited to the actual cost, up to $1,500 per incident of repairing or replacing your checked and/or carry-on luggage and any personal property contained within. There is a maximum of two claim(s) per twelve month period.

MasterRental TM Coverage 2

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

Travel insurance and additional perks 

Important documents.

• Download your HSBC Premier World Mastercard® credit card Rewards & Benefits and Mastercard Guide to Benefits brochure Download your HSBC Premier World Mastercard® 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 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.

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.   

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 restrictions, limits and exclusions apply. Coverage is provided by New Hampshire Insurance Company, an AIG Company. Benefits may not be offered in every state. Coverage may be underwritten and managed by companies that are not affiliated with HSBC Bank USA, N.A. Please refer to  mycardbenefits.com  for more information.

3 You must purchase the new item entirely with your HSBC Mastercard® credit card and/or accumulated Points from your HSBC Mastercard® credit card for yourself or to give as a gift. To initiate a claim, go to  www.mycardbenefits.com  or call 1-800-Mastercard. You must report the claim within 60 days of the loss, or as soon as reasonably possible. Please refer to the HSBC Elite World Mastercard® Credit Card Rewards and Benefits brochure at  us.hsbc.com/gtb-elite  or HSBC Premier World Mastercard® Credit Card Rewards and Benefits brochure at  us.hsbc.com/gtb-premier  for more details.

4 Values are based on an example of total annual spend of $25,000 within specific Points categories and various card benefits. Value amounts will vary based on actual spend amount and types of purchases. Please refer to the HSBC Premier World Mastercard® credit card Rewards and Benefits brochure at  us.hsbc.com/gtb-premier  for more details.

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Premier Worldwide Travel Insurance

Relax with HSBC Premier Worldwide Travel Insurance

Enjoy worldwide travel insurance for you and your loved ones.

Cover is provided by Aviva Insurance Limited. You must complete an application to be covered. Please read the  Premier Worldwide Travel Insurance Product Information Document (PDF, 152KB)  for a summary of terms, conditions, limitations and applicable exclusions.

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

If you already have Premier Worldwide Travel Insurance, find out how you can manage your policy or make a claim.

Premier Worldwide Travel Insurance is only available to HSBC UK Premier bank account holders. It is not available on savings or other accounts. Subject to application.

What's included

Worldwide cover for you, your partner, your dependent children and grandchildren.

The cover is for you (the HSBC account holder) and your domestic partner - if you're both under 70 years of age on the start date of your trip - and any dependent children or grandchildren travelling with you.

Your children are also covered if they're staying with a close relative, travelling with a relative who's over the age of 23, or going on a school/college trip independently with a teacher.

Children covered by this policy must be under 23. Grandchildren covered by the policy must be under the age of 23 and don’t have to live with you.

All insured persons must be residents of the UK, Channel Islands or Isle of Man.

To be covered for medical claims, you must be registered with a doctor in the UK, Channel Islands or Isle of Man.

Holidays in the UK

Holidays taken in the UK, Channel Islands or Isle of Man are covered if they involve a stay of at least 2 consecutive nights.

They must also have either of the following:

• pre-booked holiday accommodation in commercially-run premises 
• pre-paid bookings on public transport, including flights and ferries

Please see our definition of ‘pre-booked holiday accommodation’ in your policy document.

Business trips

You're covered to travel outside the UK in connection with an insured person’s job to carry out non-manual work such as administrative tasks, meetings and conferences.

We don't cover any claim in connection with an insured person’s job where the trip involves:

• manual or physical work of any kind
• working with children
• providing healthcare, policing, security or military service
• an insured person’s role as a politician, religious leader, professional entertainer or sportsperson

While this isn’t a specific cruise policy, cruises are covered as standard since they're simply another type of holiday. However, there is no cover for some items that cruise policies may specifically cover, e.g. missed ports, unused excursions, and change of itinerary.

Medical conditions

You'll need to call the HSBC Medical Risk Assessment Helpline on 0800 051 7457 before booking your trip if you, or any insured person, has in the last 12 months, experienced any of the following for a condition not on the accepted conditions list in your policy wording: 

• been prescribed medication, including newly prescribed or repeat medication
• received or is awaiting medical treatment, tests or investigations
• been referred to, or is under the care of, a specialist/consultant
• been admitted to hospital or had surgery

You must also tell us if any of the above happen regarding conditions you have already declared, if there are any changes to prescribed medication or if any of the conditions deteriorate.

All pre-existing medical conditions must be on the 'accepted conditions' list in your policy wording to be covered, otherwise they must be disclosed to and accepted in writing by the insurer.

What's not covered

Pre-existing conditions.

Pre-existing conditions are not covered at any time under the policy unless listed on the accepted conditions list, or were disclosed to and accepted in writing by the HSBC Medical Risk Assessment Helpline. You may be able to get cover for these from a specialist insurer. MoneyHelper has a list of these insurers – you can check its travel directory or call  0800 138 7777 .

Undiagnosed symptoms

Undiagnosed symptoms are not covered. There is no cover for any claim where you knew that you or your travelling companion may be unable to travel or may need to come home early at the time you opened your HSBC Premier Account or booked your trip (whichever is later). For example, if one of you fell ill.

Things to know

Are you eligible for premier worldwide travel insurance.

Please ensure you can answer yes to the following questions:

Do you hold an HSBC Premier account?

Are you under 70 years of age?

Are you resident in the UK (not including the Channel Islands or the Isle of Man)?

• Are any dependent children/grandchildren under 23 years of age, on the start date of the trip?  

Your application must have been accepted by HSBC for cover to apply.

When does the cover start and end?

Cover starts from the date your travel insurance application is accepted. It remains in place until the account is closed, its converted to a different account, you cancel your policy, or you are no longer eligible for cover – whichever is sooner.

How to make a claim

For details of how and when to make a claim, please visit our travel Insurance claims page.

Make a travel insurance claim

Policy documents

• Premier Worldwide Travel Insurance Product Information Document (PDF, 152KB) Premier Worldwide Travel Insurance Product Information Document (PDF, 152KB) Download
• 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
• Privacy Notice (PDF, 160KB) Privacy Notice (PDF, 160KB) Download
• Premier (retained Jade benefits) Travel Insurance Product Information Document (PDF, 257KB) Premier (retained Jade benefits) Travel Insurance Product Information Document (PDF, 257KB) Download

How do I find out if I already have travel insurance with my HSBC bank account? 

Premier Travel Insurance is available to HSBC UK Premier customers only. That means customers with an HSBC Premier bank account, an HSBC Premier (retained Jade Benefits) or an HSBC Private Banking account.

HSBC UK Premier customers:   You should have travel insurance with your account if you're under 70, are resident in the UK and have successfully completed an application

HSBC Premier (retained Jade Benefits) or an HSBC Private Banking customers:   You should have travel insurance with your account if you're under 80, are resident in the UK and  have successfully completed an application.

You can request confirmation of your travel insurance on Aviva's website at  aviva.co.uk/hsbctravelproof

Do you need to notify us before you use your HSBC debit or credit card outside the UK? 

No, you no longer need to notify us before you travel. To find out more about managing your money whilst you travel, see  using your card abroad .

I've lost my invitation to apply for HSBC Premier Travel Insurance. How do I apply? 

Call us on 03457 70 70 70 . We'll provide you with the link to apply once we've verified your account information.

Our lines are open 08:00 to 20:00 every day.

Do I have to apply for HSBC Premier Travel Insurance at the same time as I open my bank account? 

No. You can apply at any time as long as you meet the eligibility criteria and hold a Premier account.

You can call us on 03457 70 70 70 and we'll provide you with the link to apply.

You won't be covered if you don't complete a successful application.

Can I get help to complete my application for HSBC Premier Travel Insurance? 

If you need help, please call us on 03457 70 70 70 to make an appointment for a member of our team to complete the application with you over the phone.

I have a joint account. Can I complete the application for HSBC Premier Travel Insurance for both of us? 

Yes, although only one account holder should complete the application. If you don’t have permission to provide the other account holder’s details, you won’t be able to complete the application online and will need to call us on 03457 70 70 70 to book an appointment (for which both account holders will need to be available). Our lines are open 08:00 to 20:00 every day. 

When can my HSBC Premier Travel Insurance cover start? 

Assuming you're eligible, your cover will start as soon as you submit your application. 

When will I receive my HSBC Premier Travel Insurance policy documents? 

It can take up to a week to process your application and issue your welcome pack and policy documents. If you'd like to review your policy documents now, you can find them in the insurance section at hsbc.co.uk/legal . 

How can I get written confirmation I am covered by HSBC Premier Travel Insurance? 

If you need confirmation of your cover, you can request it on Aviva's website . If you applied for cover in the past 7 days, please call us on 03457 70 70 70 .

My HSBC Premier Travel Insurance mentions restricted cover. What does this mean? 

If your recent HSBC Worldwide Travel Insurance application displayed a restricted cover decision, this is because you, or someone to be covered by the policy, is either:

• not registered with a doctor in the UK; and/or
• has a pre-existing medical condition

There is no cover for any medical claims for anyone not registered with a doctor in the UK.

To change this please register with a doctor in the UK. Once registered, please read the ‘Your Health’ section in your Policy Wording for full details of when and what you must declare.

Anyone with a pre-existing medical condition not shown on the ‘Accepted conditions’ list in your Policy Wording will need to complete a screening. To do this please call the Medical Risk Assessment Team on 0800 051 7457 . There is no cover for any pre-existing medical conditions until this has been completed.

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See all insurance options, things to consider when booking a holiday, how to make an insurance claim, customer support.

Your Travel Insurance Claim

Please tell us about yourself

Please tell us about you and your policy. If you have a single trip or annual travel insurance policy, please enter the name, date of birth and postcode of someone insured on the policy.

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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.

If you are a frequent traveller, you can be protected under our MultiTrip TravelSurance. It provides covers for all the trips you may take during the year so you don’t have to re-apply every time you travel. In addition to Worldwide coverage, if your destination is within the Greater Bay Area, then our MultiTrip TravelSurance - Greater Bay Area Plan is tailored for you, ensuring you have the right protection while exploring this exciting area all year round, at an even more affordable price.

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 

Coverage for your mobile

Get up to HKD6,000 coverage for your mobile phone 

Limited time offer

Apply for TravelSurance between 23 June and 30 August 2024 (both days inclusive) to get:

• a chance to win HKD8,000 worth Klook Gift Card for annual MultiTrip TravelSurance. Enjoy 30% off on first-year’s premium and 20% renewal discount for Greater Bay Area plan, plus 30% off on first-year’s premium for MultiTrip Worldwide plan;
• 15% off for Single Trip TravelSurance and a chance to win HKD3,000 worth Klook Gift Card (which is only applicable to Asia Standard Plan or Worldwide Standard Plan)

T&Cs apply .

Compare HSBC TravelSurance Plans

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

• 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 at designated hospitals in mainland China with a China Medical Card option under your Annual MultiTrip policy.
• MyDoc Health Passport provides you 6 free-of-charge virtual medical consultations per Period of Insurance. Additionally, enjoy prescribed medication and door-to-door medicine delivery service, where the expense could be reimbursed under the Medical Expenses benefit of your policy, when you are travelling to select cities in Japan, Singapore, Thailand and Vietnam.

The Annual Greater Bay Area Plan has the following features:

• Year-round protection with one-off premium payment for unlimited number of trips per year, up to 15 days per trip.
• Free China Medical Card offers you hospital admission deposit guarantee at designated hospitals in mainland China.

The coverage shown above is applicable to TravelSurance policies applied on or after 23 June 2024. For coverage of policies applied before 23 June 2024, please call our insurance service hotline (852) 2867 8678 .

What's included?

Our plans generally cover:

We'll reimburse the necessary medical expenses incurred during a trip and follow up medical expenses within 3 months after return to the Hong Kong SAR up to HKD5 million. For the Greater Bay Area Plan, medical expense benefit is applicable for in-patient only.

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 (not applicable for Greater Bay Area Plan).

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, ziplining, rafting, speed-boating, jet-skiing, trekking, water skiing, wakeboarding, wake-surfing, 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 (not applicable for Greater Bay Area Plan).

Expand 

Travel delays and cost of catch-up tickets.

We'll pay up to HKD2,500 if your scheduled transportation is delayed for 6 hours or more. For the Greater Bay Area Plan, we’ll pay up to HKD950 if your scheduled high-speed rail is delayed for more than 3 hours or more.

If you choose to buy Standard Plan, you have the option of buying another one-way travel ticket to catch up with the planned itinerary and may get reimbursed up to HKD4,000.

HSBC credit card protection

In the event of death of the insured person caused by an accident outside the Hong Kong SAR, any outstanding balance payable under the insured person’s HSBC credit cards up to HKD50,000 for items charged while outside the Hong Kong SAR during the trip will be covered.

Funeral expenses

In the unlikely event that a fatal incident occurs while you are travelling, we will pay the reasonable funeral expenses (other than the burial or cremation charges) outside Hong Kong SAR up to HKD100,000 (not applicable for Greater Bay Area Plan).

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, alcoholism, venereal disease, AIDs
• any pre-existing conditions, including congenital conditions
• childbirth, pregnancy, miscarriage
• engaging in:

- any sports or activities which are played in professional capacity or in competition involving prize money or reward of any kind 

- deep water diving (that is diving to a depth of greater than 40 metres)

- motor rallies

- aviation other than as a fare-paying passenger

• manual work or hazardous work (eg involving the use of mechanical and/or electrical equipment or handling of explosive or hazardous substances, etc.)
• property more specifically insured 
• claims where no written notification is given to AXA General Insurance Hong Kong Limited within 31 days after end of the trip

For a full list of exclusions and terms and conditions, please refer to our policy wordings .

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
• 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 TravelSurance Product Factsheet Download
• TravelSurance policy document TravelSurance policy document 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

Can non-hkid holders apply for travelsurance .

Yes, non-HKID holders can apply for TravelSurance via HSBC branches, as long as the trip starts from, and returns to, the Hong Kong SAR.

Can a child aged under 18 apply for TravelSurance if they are not travelling with adult? 

If cover is required for children under 18 years old, parent’s or legal guardian’s[@legalguardiantravelsurance] information must be provided during the application process. For children aged under 12 years old, they must be accompanied by an adult during the trip.

Can I buy the TravelSurance for my friends or my friends' child(ren)? 

Yes, you can buy TravelSurance for your friends and your friends’ child(ren) who is/are under 18 years old by providing your friend’s full name, HKID number and date of birth.

If cover is required for children under 18 years old, parent’s or legal guardian’s[@legalguardiantravelsurance] information must be provided during the application process. For children under 12 years old, they must be accompanied by an adult during the trip.

In case of emergency, how can I contact AXA for assistance? 

You can call the 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.

How can I manage my policy in case I want to extend the covered period during my travel? 

Should you have any queries about your policy, including request to extend the covered period, you can call our insurance service hotline at (852) 2867 8678 (during office hours) or manage your policy at ease by e-Policy servicing after logging on to HSBC Online Banking if you are an HSBC Online Banking customer. This online service provides you with 24-hour access to your policy details and allows you to submit policy service requests without hassle. Please note the covered period can be extended during travelling if you give us the notice of change before the start date of the extension while the policy is still in force. However, please note any extension is subject to AXA’s approval.

What if I’m being confined in an overseas hospital but not able to speak the local language, is the interpretation service fee covered under the policy? 

In case you are confined in overseas hospital for over 24 hours due to accidental bodily injury or sickness during the trip and appoint a local translator referred by Emergency Assistance Service, a maximum of HKD500 per day subject to a HKD5,000 per trip is payable for the interpretation service.

What is the catch-up ticket benefit under in case of travel delay? 

If you are insured under Asia or Worldwide Standard Plan, in the event the common carrier in your original travel itinerary is delayed during the trip for more than 6 hours due to covered conditions and you decide to buy another one-way travel ticket to catch up with the planned itinerary, the additional and reasonable cost of the ticket replacement will be reimbursed, up to HKD2,000 for Asia Standard Plan and HKD4,000 for Worldwide Standard Plan.

Please note that cash allowance and trip re-routing benefits will not be payable if catch-up ticket benefit is paid, and vice versa.

What kind of sports and activities are covered by TravelSurance? 

TravelSurance covers various kinds of sports and activities provided that they are not played in professional capacity or in competition involving prize money or reward of any kind. For example, you are covered for 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 also covers hazardous sports activities such as hot air ballooning, bungee jumping, hang-gliding, parachuting, zipline, rafting, speed-boating, jet-skiing, trekking, water skiing, wakeboarding, wakesurfing, sea kayaking, scuba-diving (that is diving to a depth not greater than 40 metres), mountaineering, rock-climbing etc.

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

What extra protection can I receive if a Travel Alert is issued for the planned destination? 

Except Greater Bay Area plan, you will be protected against the issuance of the Travel Alert in the following ways, provided that no claim has been paid. Before the trip, you may:

• upon any Travel Alert, cancel your Single Trip policy and receive a full premium and levy[@insurance-travelsurance-levyrefund] refund;
• upon Red Travel Alert (except for the reason of a pandemic), be reimbursed up to 50% of the irrecoverable deposits or charges paid in advance upon cancellation of trip up to HKD50,000 for Standard Plan and HKD25,000 for Basic Plan.
• upon Black Travel Alert (except for the reason of a pandemic), be reimbursed up to 100% of the irrecoverable deposits or charges paid in advance upon cancellation of trip up to HKD50,000 for Standard Plan and HKD25,000 for Basic Plan.

During the trip, you may:

• upon any Travel Alert, have your insurance automatically extended for 10 days free if your trip is unavoidably delayed;
• upon Red Travel Alert, be reimbursed up to 50% of the unused irrecoverable prepaid costs or additional travel-related costs upon curtailment of trip for up to HKD50,000 for Standard Plan and HKD25,000 for Basic Plan.
• upon Black Travel Alert, be reimbursed up to 100% of the unused irrecoverable prepaid or additional travel-related costs upon curtailment of trip for up to HKD50,000 for Standard Plan and HKD25,000 for Basic Plan.
• upon Black Travel Alert, obtain an additional HKD1,000 allowance to subsidise any unexpected cost due to curtailment of trip or unavoidable delay of the scheduled trip.

Can I claim for medical expenses incurred during my trip for any sickness or disease? 

The policy covers medical expenses incurred provided that such sickness or disease is not in existence prior to the trip, and not caused by:

• an event of same nature mentioned in the black or red travel alert (except for the reason of COVID-19), unless the journey has been started before the issuance of such travel alerts.
• claims relating to the vaccine-preventable diseases if prior to the trip: (i) the insured person fails to obtain the related vaccine; and (ii) the vaccine is mandatorily required by the government(s) of Hong Kong SAR and/or the destination where the insured person has planned to travel.

For Greater Bay Area Plan, this benefit is only applicable for medical treatment requiring hospitalisation.

What is the virtual medical consultation service about and how can I use this? 

If you have taken out the MultiTrip Worldwide Plan, you are entitled to 6 free virtual medical consultations per period of insurance by using MyDoc Health Passport. The consultations are usually available during local doctors’ office hours. Following a virtual medical consultation, you may choose to obtain the prescribed medication and have it delivered to your doorstep as needed during specific hours; however, this will incur charges which you will need to pay first and may then claim in accordance with your policy if eligible.

The virtual medical consultation is currently available in Tokyo, Osaka, Hokkaido and Fukuoka for Japan, and countrywide for Singapore, Thailand and Vietnam.

You will receive a confirmation email with a step-by-step guide on how to use the virtual medical consultation service.

Please note the above details are subject to change without prior notice.

Is an epidemic/ pandemic considered as a natural disaster? 

Natural Disaster does not include epidemic or pandemic.

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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.