Top of main content

HSBC Inclusive Credit Card Insurance Coverage

Trip Cancellation and Trip Interruption/Delay Coverage

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

Cardholders with Trip Cancellation and/or Trip Interruption/Delay Insurance1 coverage may claim the cancellation or interruption/delay of a trip due to “medical covered causes” or “non-medical covered causes”. 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. 

On March 13, 2020, the Canadian Government issued a travel advisory to avoid non-essential travel outside of Canada (level 3).  Prior to that date there were some countries that already had  a level 3 or 4 advisory in place. Refer to the Government of Canada’s official Travel and Tourism or Travel Health Notices sites for the latest updates.

NOTE: The insurer is focused on helping customers with urgent and immediate travel issues. At this time, we ask that only customers who are travelling now or in the next 3 weeks contact the insurer for assistance.

Given the fluid nature of COVID-19 impacts, we ask that cardholders NOT travelling in the next 3 weeks wait until after April 15 to contact the insurer.

At this time, 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)

1 Trip Cancellation and Interruption/Delay Insurance is underwritten by American Bankers Insurance Company of Florida (ABIC). ABIC, its subsidiaries and affiliates carry on business in Canada under the name of Assurant®. ®Assurant is a registered trademark of Assurant, Inc.

Listening to what you have to say about services matters to us. It's easy to share your ideas, stay informed and join the conversation.