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Premier Worldwide Travel Insurance

If you’re a Premier customer, here are the details of the worldwide travel cover for you and your family

Relax with HSBC Premier Worldwide Travel Insurance

Enjoy worldwide travel insurance for you and your loved ones.

Cover is provided by Aviva Insurance Limited. You must complete an application to be covered. Please read the Premier Worldwide Travel Insurance Product Information Document (PDF, 152KB) for a summary of terms, conditions, limitations and applicable exclusions.

For the latest coronavirus travel guidance, see what’s covered under HSBC Travel Insurance.

If you already have Premier Worldwide Travel Insurance, find out how you can manage your policy or make a claim.

Premier Worldwide Travel Insurance is only available to HSBC UK Premier bank account holders. It is not available on savings or other accounts. Subject to application.

What's included

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

Holidays taken in the UK, Channel Islands or Isle of Man are covered if they involve a stay of at least 2 consecutive nights.

They must also have either of the following:

  • pre-booked holiday accommodation in commercially-run premises 
  • pre-paid bookings on public transport, including flights and ferries

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

Business trips

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.

Medical conditions

You'll need to call the HSBC Medical Risk Assessment Helpline on 0800 051 7457 before booking your trip if you, or any insured person, has in the last 12 months, experienced any of the following for a condition not on the accepted conditions list in your policy wording: 

  • been prescribed medication, including newly prescribed or repeat medication
  • received or is awaiting medical treatment, tests or investigations
  • been referred to, or is under the care of, a specialist/consultant
  • been admitted to hospital or had surgery

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

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

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 (not including the Channel Islands or the Isle of Man)?

  • 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. It remains in place until the account is closed, its 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.

Make a travel insurance claim

Policy documents


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