Premier Worldwide Travel Insurance

The cover is for you (the HSBC Premier account holder) and your domestic partner - provided that you are 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.

Before you book your trip, you'll need to call the HSBC Medical Risk Assessment Helpline on 0800 051 7457 if in the last 12 months you or any insured person have:

• been prescribed medication
• received or are awaiting medical treatment
• undergone or are awaiting tests or investigations
• been referred to a specialist
• been admitted to a hospital

for any condition not listed on the accepted conditions list in the 'Your Health' section of the policy booklet

Before you travel, you should also tell us if there have been any changes to your health or if you've been referred to a consultant or specialist or admitted to a hospital.

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

If you have any pre-existing medical conditions, check to see if they're covered in the 'accepted conditions' section of the policy booklet. If not, you need to call the Medical Risk Assessment Helpline who will confirm in writing whether they can be covered. 

Yes. Holidays taken solely in the UK, Channel Islands or Isle of Man are covered if they include at least 2 consecutive nights away from home and either pre-booked accommodation or pre-paid public transport.

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

Yes. You're covered for up to 31 days in any calendar year if you travel outside the UK in connection with an insured person’s job to carry out non-manual work. This includes 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

You may be able to purchase a policy upgrade for an individual trip. This will extend the trip duration to a maximum of 120 days.

Please call us on 0800 328 1562 at the point of booking your trip, and one of our advisors.

Yes. 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.