HSBC Travel Insurance Review and Quotes
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It might be the least exciting thing about your journey. But travel insurance is a must-have when it comes to getting assistance from the other side of the world.
Are you aware of this and are here to know whether HSBC is the right company to go on holidays with?
In this definitive HSBC review, we will tell you everything you need to know about their travel insurance policies: coverage options, prices, contact details, cancellation or claim process and much more. Let’s dive in!
Is HSBC the best travel insurance for you?
Always just going for the cheapest travel insurance might not be the best option when it comes to getting assistance or a refund abroad.
At Safe, we strive to help any people travelling from the UK to get the best travel insurance to leave home with complete peace of mind. This is why we’ve dug into HSBC travel insurance policy booklet and attributed our own neutral rating based on five weighted criteria as shown below.
4,2 Safe overall rating for HSBC
| Safe rating | Our opinion | |
|---|---|---|
| Customer service & satisfaction |
5 star rating on Defaqto | |
| Cover provided |
Policies available across 2 levels | |
| Value for money |
Competitive prices | |
| Financial strength | HSBC's travel insurance policies are underwritten by Aviva Insurance Limited which is one of the leading insurance companies in the UK and is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority | |
| Technology |
Online quote generation |
HSBC travel insurance reviews by expert and consumers
| Review organisation | HSBC travel insurance reviews |
|---|---|
| Defaqto expert | Standard: 5 stars |
| TrustPilot | 1,5/5 based on more than 2.7K opinions |
To check if HSBC is the right travel insurance for you, you can use our free travel insurance comparison tool and get quotes from main travel insurance companies in a few seconds only. 100% anonymous and free.
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What does HSBC travel insurance cover?
HSBC travel insurance offers different travel insurance covers to suit any traveller needs, whether you’re leaving for three days alone in Scotland or six months in Antarctica with your partner or whole family.
HSBS's travel insurance policies are available for individuals and families.
HSBC single-trip and annual multi-trip travel insurances
| Single and annual multi-trip days and age limits at HSBC | |
|---|---|
| Maximum days per trip | Not Stated |
| Maximum age limit | Single Trip: 80 years |
You will find below the limits breakdown per level of cover for single and annual multi-trip insurance policies at HSBC:
Policy name | Standard | Premier |
|---|---|---|
| Defaqto expert rating | 5 | 5 |
| Excess (if not stated) | £50 | £50 |
| Medical expenses | £10M | £10M |
| Trip cancellation / curtailment | £5,000 | £7,500 |
| Delayed departure 12 hours | £25 | £25 |
| Delayed departure max | £250 | £1,000 |
| Baggage & belongings | £150 | £2,500 |
| Money including cash | £500 | £750 |
| Repatriation | £10M | £10M |
| Personal liability | £2M | £2M |
| Personal accident (excess £0) | £50,000 | £50,000 |
| Legal expenses (excess £0) | £50,000 | £50,000 |
| Hospital benefit (excess £0) | x | x |
| Accommodation cover | x | x |
| Pet care (excess £0) | x | x |
| SAFI* | Not Stated | Not Stated |
| Medical screening | x | x |
| Cruise cover | x | x |
| Winter sports | Optional | Standard |
| Golf Cover | Optional | Optional |
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HSBC winter sports travel insurancet
The winter sports travel insurance is usually an option that you can take on top of your single or annual multi-trip policy.
Optional Winter Sports Cover is available at HSBC and it comes with the following features and benefits:
- It comes as a standard in the Premier level of cover while it's optional for the Standard level of cover
- Up to £500 winter sports equipment that you own cover
- Up to £400 winter sports equipment that your hired cover
- Up to £200 replacement hire of winter sports equipment
- Up to £200 lift pass cover
- Up to £200 avalanche cover
- Up to £300 piste closure cover
- Up to £300 ski pack cover.
What are the other travel insurance options available at HSBC?
| Travel insurance options at HSBC | |
|---|---|
| HSBC golf cover | Optional Golf Cover is available at HSBC and it comes with the following benefits:
|
| HSBC business cover | Optional Business Travel Cover is not available however, you may still be covered under the Single or Annual Multi Trip policies if you choose to travel for business. |
| HSBC cruise cover | Not Available |
| HSBC gadget cover | Not Available |
| HSBC other extras | Scuba Diving Cover is also available as an optional upgrade. |
Watch out!
Due to Brexit, some outbound flights from international airports might be delayed or cancelled. We would advise you to call HSBC before travelling and make sure you get the right compensation amount for your flight or journey if it is cancelled or delayed as well as for Schedule Airline Failure Cover.
How much is HSBC travel insurance?
You'll find below indicative quotes per level of cover at HSBC:
You will find below the limits breakdown per level of cover for single and annual multi-trip insurance policies at HSBC:
Policy name | Standard | Premier |
|---|---|---|
| Price - 3 days trip - 30 years old - Europe | £8,45 | £12,34 |
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It is, however, quite difficult to give precise price ranges as HSBC travel insurance policy quotes will depend on a range of factors such as:
- Your age at the time of travelling
- The length of your stay
- Your trip destination (Europe, North America, Worldwide)
- The period you wish to be covered for (single trip, annual multi-trip, extension)
- If you need specific insurance (cruise, ski, backpackers, gadget cover)
- Your medical condition before travelling
- Who is travelling with you (on your own, as a couple, as a family).
Can I get travel insurance discounts or promo codes at HSBC?
15% discount when you purchase your policy online.
Use our travel insurance comparison tool to be aware of latest promo codes and vouchers available at HSBC.
What else should I know about HSBC travel insurance?
What are the general exclusions at HSBC travel insurance?
To be eligible for a travel insurance policy at HSBC:
- You must be a resident of the UK
- Your trip must start and end in the UK
- If travelling within the UK, your trip must involve at least 2 nights consecutive stay at a pre-booked holiday accommodation
- You must not travel with the intention to acquire medical assistance and should not be aware of any medical conditions that may need medical assistance while on your trip.
How do I get travel insurance quote from HSBC?
Nothing easier. Use our 100% online travel insurance comparison tool to compare all policies in just a few seconds, without giving any personal details. If HSBC is the right one for you, then just click on get quote and you'll be automatically directed through the company's sale channel.
Good to know
Shopping around while shopping for personal insurance and not auto-renewing is always the best way to get the best deal and benefit from new customers discounts.
How do I log in to HSBC website?
You can access your policy documents and details through the online banking customer portal.
How to claim at HSBC travel insurance?
Claims can only be done through calling the claims department
| How to claim on HSBC travel insurance? | |
|---|---|
| Claim by phone | 0800 051 7459 (Premier) |
How do I contact HSBC travel insurance?
HSBC contact phone numbers
| Services | Phone numbers | Opening hours |
|---|---|---|
| Customer Service | 0800 169 4013 | Monday to Friday: 9am to 5pm |
| Claims | 0800 051 7459 (Premier) 01603 605124 (Standard) | Available 24/7 |
| Medical Emergency | +44 1603 605128 (Standard) '+44 1603 605 135 (Premier) | Available 24/7 |
HSBC other contact details
| Contact details | |
|---|---|
| Address | HSBC UK Bank plc |
| [email protected] |
How to cancel your annual HSBC travel insurance policy?
You will find below main information to cancel your travel insurance policy at HSBC:
| How to cancel HSBC travel insurance? | |
|---|---|
| Cancellation fees during cooling off period of 14 days | £0 |
| Cancellation fees outside cooling off period | No refund |
| Cancel online | You can cancel your policy online by filling in the form on this page: https://workplace.aviva.co.uk/partners/hsbc-general-enquiries/contact-form-travel/ |
| Cancel by phone | 0800 169 4013 |
Our opinion on HSBC travel insurance
HSBC is one of the largest banking organisations in the world. Its travel insurance products are underwritten by Aviva Insurance Limited, a leading insurance company in the UK that is authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.
The company's Single and Annual Multi Trip Policies are available across 2 levels: Standard and Premier. In addition to the main policies, one can opt for optional covers such as Golf, Baggage Cover, and Scuba Diving Cover.
We would recommend to HSBC to anyone looking for a simple and affordable Single or Annual Multi Trip travel insurance policy.
