HSBC Travel Insurance

HSBC is a provider of travel insurance, car insurance, home insurance, credit cards, home loans, online banking and savings accounts.

Compare HSBC Travel Insurance policies

The table below displays a snapshot of HSBC’s travel insurance policies on Canstar’s database, sorted by Star Rating (highest to lowest). Please note the products and Star Ratings displayed are based on a couple travelling to the USA aged under 70.

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What types of travel insurance does HSBC Travel Insurance offer?

HSBC Travel Insurance offers both domestic and international travel insurance, with specialised policies for annual travellers, seniors, cruisers and skiers. It offers two main international policies – Essentials and Comprehensive – which both provide a number of benefits.

If you’re unsure as to which kind of travel insurance is most appropriate for you, or would like to better understand the differences between the different types of cover, check out our comprehensive guide on travel insurance.

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What does HSBC’s international travel insurance cover?

HSBC’s International Comprehensive policy will cover you for:

  • Medical cover: HSBC has unlimited medical and hospital cover as well as up to $1,000 for overseas dental. You must provide a medical practitioner’s report confirming you’re unfit to travel.
  • Loss/theft of personal items: HSBC also cover the loss or theft of personal items, including trip delays or damage. It will pay up to $10,000.
  • Travel delays/cancellation: HSBC has unlimited cancellation with up to $2,000 additional travel and accommodation due to strikes, natural disasters, riots or other severe weather conditions.
  • Rental car excess: If, as a result of an unexpected event, the rental vehicle you have hired is stolen or damaged during your journey, HSBC will reimburse you for any non-refundable excess payable to the rental vehicle company of up to $3,000.
  • 24/7 assistance: HSBC Travel’s worldwide assistance team is available 24 hours a day via phone.
  • Lost or stolen documents: HSBC will cover the cost involved in replacing important documents that have been lost or stolen.

Please note that exclusions may apply. For example, your medical cover may not pay claims for medical or dental treatment received in Australia, and it will only cover losses related pregnancy up to and including the twentieth week. Another example of an exclusion is not being covered for any delays caused by a natural disaster occurring before the start date of your insurance.

For more details about what is and isn’t covered, check out the Product Disclosure Statement on HSBC’s website.

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Yes, HSBC’s comprehensive policy has unlimited cover for overseas medical and hospital expenses under the following circumstances:

  • You need medical assistance for an unexpected illness
  • You’re seriously injured in an accident
  • You need to be evacuated for an unexpected injury

As always, various conditions and exclusions will apply. It’s highly unlikely that you will be covered if the injury you suffer is classified as a ‘pre-existing condition’, for example.

For more information on whether you’re covered or not, read HSBC Travel Insurance’s Product Disclosure Statement.

Yes, HSBC will cover you up to a certain amount for replacing or reimbursing luggage and personal effects that are lost, stolen or damaged while travelling.

Under HSBC’s comprehensive policy, up to $10,000 worth of your belongings will be covered. HSBC will also cover the cost of essential medication if it’s lost or destroyed and have specific limits for essential items such as laptops, tablets, cameras, etc. Read the PDS for more information regarding limits.

Again, there are exclusions that come with HSBC Travel Insurance’s policies. For personal items and jewellery, you must specify them before applying, and all items must be approved by HSBC; otherwise they will not be covered. Ensure you check the PDS to find out more about what items and luggage are and aren’t covered.

If you’re not sure what to do when your luggage goes missing, check out our guide on travel mishaps and how to avoid them.

Yes, HSBC Travel Insurance will cover up to a certain amount for lost deposits and cancellation fees for pre-paid travel arrangements due to unforeseen circumstances outside the traveller’s control on a policy, including:

  • Unlimited cover if your journey was cancelled or delayed, with additional travel and accommodation due to strikes, natural disasters, riots or other severe weather conditions.

Read the Product Disclosure Statement for more information on the various exclusions that may apply.

You can purchase a HSBC Travel Insurance policy by first comparing your options with Canstar and then generating a quote online. All you need to list is your personal details (age, length of trip, address, etc.), your pre-existing conditions and your choice of cover.

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There are two ways you can lodge a claim with HSBC:

  1. Online: You can submit a claim online via the online claims form. This can be done 24 hours a day, seven days a week.
  2. On the phone: You can also call HSBC on 1300 205 060 to speak to one of its qualified customer service representatives.

After that, just:

  • Follow the prompts and enter the details of your claim
  • Submit your claim and wait for HSBC to do the rest

Check out our guide on how to make claiming for travel insurance easier.

HSBC was founded in 1865 in Hong Kong to finance trade between Asia and Europe. 100 years later, it moved into Australia in 1965 and gained its commercial banking licence in 1986.

HSBC is now one of the world’s largest banking and financial institutions, serving 48 million customers around the globe, with 6,000 offices in 71 countries. It aims for sustainability through the Climate Business approach, and supports leading charities that focus on education, the environment and health.

“How to” guides are available for customers, and if these don’t have the answers you’re looking for, you can chat online live with help centre members.

Written by: Regina Collins | Last updated: