Relax with HSBC Premier Worldwide Travel Insurance
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
Please see our definition of ‘pre-booked holiday accommodation’ in your policy document.
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.
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 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 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?
- 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 and remains in place until the account is closed, 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.