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HSBC Inclusive Credit Card Insurance Coverage

Trip  Cancellation and Trip Interruption/Delay Coverage

The impacts of the COVID-19 pandemic are ongoing and continues to change. That's why we're reminding all our cardholders with travel insurance to follow government travel advisories and recommendations regarding travel outside their province of residence. For more information check the page on the Government of Canada website.

Trip Cancellation and/or Trip Interruption/Delay insurance may be included as a feature of certain HSBC Mastercards.  To determine if your HSBC Mastercard includes this feature, refer to the Certificate of Insurance for your credit card.

Trip Cancellation & Trip Interruption/Delay:

  • HSBC Premier Mastercard
  • HSBC Premier World Mastercard
  • HSBC Premier World Elite Mastercard
  • HSBC World Elite Mastercard
  • HSBC Jade World Elite Mastercard

Trip Interruption Only:

  • HSBC Gold Mastercard
  • HSBC Advance Mastercard
  • HSBC Travel Rewards Mastercard

Cardholders with Trip Cancellation and/or Trip Interruption/Delay Insurance1 coverage may submit a claim for the cancellation or interruption/delay of a trip due to “medical covered causes” or “non-medical covered causes”. The cancellation or interruption/delay must be initiated by the Cardholder (not the travel supplier). For the complete list of covered causes, refer to the Certificate of Insurance for the HSBC Mastercard you used to book the trip.




With respect to COVID-19, for a Trip Cancellation or Trip Interruption/Delay claim to be considered, the following conditions need to be satisfied:

  • The Government of Canada must have declared an official travel advisory risk level of 3 (avoid non-essential travel) or risk level 4 (avoid all travel) for the destination.
  • The trip needs to be booked prior to the travel advisory announcement and the advisory must be applicable to your travel dates.
  • At least 75% of cost of eligible expenses, as defined in your Certificate of Insurance, for the trip must have been charged to the HSBC Mastercard that includes the coverage.
  • All other terms, conditions, limitations and exclusions contained in the Certificate of Insurance must be met. 

Refer to the Government of Canada’s official Travel and Tourism or Travel Health Notices sites for the latest updates on travel advisories or restrictions.

NOTE: Travel suppliers may be waiving cancellation/change fees. Be sure to contact your travel provider as soon as possible to see if they will allow you to cancel your original booking and/or apply a credit towards future travel.

Please check back from time-to-time - we will update FAQs as more information becomes available.

Frequently Asked Questions (FAQs)

Certain credit cards include travel insurance coverage. To determine if your credit card includes this feature, refer to the Certificate of Insurance for your credit card.

Before travelling, it’s your responsibility to know and understand your travel insurance coverage. Please carefully read your Certificate of Insurance and contact the Insurer at 1-800-668-8680 if you have questions.

What to know before booking travel

What to know before you travel

1 Insurance coverage is underwritten by American Bankers Life Assurance Company of Florida (ABLAC) and/or American Bankers Insurance Company of Florida (ABIC). ABLAC, ABIC, their subsidiaries and affiliates, carry on business in Canada under the name Assurant®. ®Assurant is a registered trademark of Assurant, Inc. Details of coverage, including definitions, benefits, limitations, and exclusions, are in the Certificate of Insurance provided in your Cardholder Manual.


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