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.
IMPORTANT NOTICE regarding COVID-19
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: 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)
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
I’m planning to book a trip abroad. If the Government of Canada travel advisory is still in effect when I’m due to travel and I cancel my trip, will I be covered under Trip Cancellation Insurance?
I’m thinking about buying the optional $69 Travel and Medical Insurance coverage. Will I be covered for losses because of COVID -19?
What to know before you travel
Am I eligible for reimbursement if I choose not to travel due to the COVID-19 outbreak?
If I travel to a country where the Government of Canada has advised against all or non-essential travel because of COVID-19, will I be covered under my travel insurance?
My credit card includes Travel Emergency Medical Insurance. If I’m diagnosed with COVID-19 while travelling outside of Canada, will my medical treatment be covered?
What are the conditions that need to be met in order for me to make a Trip Cancellation/Interruption/Delay claim under a travel advisory or other cause due to the COVID-19 outbreak?
If I’m refused boarding a flight or other common carrier because of COVID-19 screening, will I be covered under my Trip Cancellation/Trip Interruption Insurance for a refund of the cost of my trip or the cost of another flight home?
If I’m quarantined or delayed because I was diagnosed with COVID-19 and can’t travel or continue my trip, will I be covered under my Trip Cancellation/Trip Interruption Insurance?
What are the eligible expenses for Trip Cancellation/Interruption/Delay?
I booked a trip to attend an event (for example, a sporting event or festival), but it’s cancelled. If I cancel my trip, will I be covered under Trip Cancellation Insurance for any travel, accommodation and associated costs?
I want to cancel my trip because of the Government of Canada travel advisory. My travel provider offered to move my trip to a different date or issue a travel/credit voucher instead. I can’t travel on the new date and I don’t want a travel/credit voucher. Will I be covered under my Trip Cancellation Insurance?
How do I make a claim?
I booked a trip that is planned for several months from now. Should I submit a claim now?
Who do I contact if I have questions about my trip?
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.