Guide to HSBC complimentary credit card travel accident insurance

Find out if you're eligible for accident coverage.

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Like many other issuers, a few of HSBC’s credit cards may come with complimentary travel insurance. We’ve outlined the most important points about HSBC credit card complimentary international travel accident insurance here. Find out the eligibility requirements, what is and isn’t covered and how you can make a claim below.

Which cards offer complimentary travel insurance?

You’re eligible to receive complimentary HSBC international travel insurance when you meet the eligibility requirements for the HSBC Premier World Mastercard® credit card and the HSBC Premier World Elite Mastercard® credit card.

Name Product Foreign transaction fee Welcome offer Rewards Filter values
None
35,000 points after spending $3,000 in the first 3 months
2x points on travel and 1x points on all other purchases
Earn 35,000 Rewards Program bonus points, worth at least $400 in air travel, after spending $3,000 or more on purchases in the first 3 months from account opening. The information about the HSBC Premier World Mastercard® credit card has been collected independently by Finder. The card details have not been reviewed or approved by the card issuer.
None
50,000 points after spending $4,000 in the first 3 months
3x points on travel, 2x on dining and 1x on everything else
Earn 50,000 bonus points worth $750 in airfare when booked online through HSBC Rewards, after spending $4,000 in the first 3 months of account opening. The information about the HSBC Premier World Elite Mastercard® credit card has been collected independently by Finder. The card details have not been reviewed or approved by the card issuer.
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What are the eligibility requirements?

  • Payment. You must pay for the entirety of your ticket with your HSBC card.
  • Activation. There’s no need to tell HSBC about your travel plans to activate coverage. The cover is automatically provided when you pay for your ticket with your HSBC card.
  • Pre-existing medical conditions. There is no cover for pre-existing medical conditions.

How do I know if I’m covered and what I’m covered for?

Eligible HSBC credit cards provide complimentary international travel accident insurance for up to one year from the date of your accident. Your spouse and dependent children are also covered when you purchase your travel ticket using your HSBC account.

Under HSBC’s travel accident insurance, you and your dependents are insured against the loss of life, limb, speech, sight or hearing while:

  • Riding as a passenger, entering or exiting a common carrier on which you purchased passage.
  • Riding as a passenger, entering or exiting any conveyance licensed to carry the public for hire or courtesy transportation traveling to or from your associated flight.
  • At the airport, terminal or station prior to or after your trip.

In the event of a loss of life, HSBC will deliver the benefit to the beneficiary designated by the cardholder. If you haven’t made a designation, the benefit will go to your spouse, children, parents, siblings or estate in that order.

How do I make a claim?

Documents to take with you

You will need to provide these documents if you want to make a claim:

  • Proof you’re eligible for coverage, such as a card statement or a receipt of payment for your overseas travel ticket.
  • A written claim notice delivered within 20 days of the date of the accident.

Steps to make a claim

Follow these steps to make a claim on your HSBC credit card insurance policy:

  1. Call HSBC to make a claim. You can make your initial claim by calling HSBC’s claims number at: 855-378-9448
  2. Deliver a written claim notice. You’ll also need to deliver to HSBC a written claim notice within 20 days of the date of the accident or as soon as reasonably possible. HSBC will inform you of the delivery address during your initial call.
  3. Fill out the claims form. This form includes documents for providing proof of loss. You’ll need to deliver this form to HSBC within 90 days after the date of loss

How much am I insured for?

Generally, you’ll receive the full benefit amount for accidental loss of life; loss of speech and loss of hearing; loss of speech and one of loss of hand, foot or sight of one eye; loss of hearing and one of loss of hand, foot or sight of one eye; loss of both hands, both feet, loss of sight or any combination thereof, according to the HSBC guide to benefits.

However, it is possible to receive less than the full benefit amount. You’ll receive just 50% of the benefit sum for accidental loss of hand, foot or sight of one eye (any one of each); loss of speech or loss of hearing.

This amount is further reduced to 25% for loss of thumb and index finger of the same hand.

Bottom line

HSBC and Mastercard offer a variety of insurance options to keep you covered during your travels. Review your guide to benefits and keep form requirements in mind in the event you need to file a claim.

For more credit cards with travel insurance, compare your travel credit card options.

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