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Insurance and Other Services

Trip Cancellation and/or Trip Interruption/Delay insurance may be included as a feature of certain HSBC Mastercards. Learn more.

Certificates of Insurance

Refer to the applicable Certificate of Insurance for full details:

Quebec - Credit Card Insurance Coverage Summary

Refer to the applicable Credit Card  Insurance Coverage Summary  for full details

Optional services

If you are insured in any optional products or services, you may cancel at any time and HSBC will issue a pro rated refund of the unused portion of any fees or premiums that you have paid (as a credit to your account). To cancel, you may contact Customer Care at the number on the back of your HSBC credit card.

Travel and Medical Insurance1

  • Travel and Medical Insurance gives you peace of mind knowing that you are protected against unexpected costs due to travel emergencies for unlimited trips up to 17 days.
  • The annual premium is $69, including applicable taxes.
  • If you are insured under Travel and Medical Insurance, please refer to your Travel and Medical Insurance Certificate for full terms.

For more information, please call 1-800-668-8680.

Quebec - Summary and Fact Sheet

For Quebec cardholders who are insured under Travel and Medical insurance:

Note: HSBC Premier World Elite Mastercard, HSBC Metal World Elite Mastercard, HSBC World Elite Mastercard, HSBC Premier World Mastercard and HSBC Premier Mastercard account holders automatically receive Travel & Medical Insurance as an inclusive benefit. Subject to availability.

Frequently Asked Questions (FAQs)

Select HSBC credit cards include Travel Insurance1, Car Rental Insurance1 and/or optional Travel Emergency Medical Insurance1. To determine if your Mastercard includes these coverages, please refer to the Certificate of Insurance for your credit card. 

Before travelling and/or renting a vehicle, it’s your responsibility to know and understand your insurance coverages. Please read your Certificate of Insurance and contact the Insurer at 1-800-668-8680 if you have questions.

Travel Related Questions

Q - I booked my trip using all or a portion of Aeroplan/Airmiles (or another reward program) am I covered?

A – If greater than 25% of the trip cost was paid for with such points there is no coverage.


Q - 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? 

A – No. As per the Canadian Transportation Agency’s Statement on Vouchers, a travel/credit voucher is an appropriate form of reimbursement. Trip Cancellation Insurance will cover any eligible expenses, which aren’t refundable or reimbursable in any manner (for example the non-refundable portion of your hotel booking). Because offering and issuing a travel/credit voucher is a form of reimbursement, you’ll only be covered for eligible expenses not covered by the travel/credit voucher, if you choose to cancel your trip.


Q – I had to cancel my trip last minute due to unforeseen circumstances. What benefits am I eligible to claim for?

A - Trip Cancellation will reimburse you for eligible expenses which are not refundable or reimbursable in any manner. If, prior to your scheduled departure you must cancel a Trip due to one of the covered causes for cancellation. Please refer to the Certificate of Insurance or contact the insurer.

Car Rental Related Questions

Q - I opted to take the Car Rental Collision/Loss Damage coverage at the rental agency, am I covered under the inclusive benefits?

A – In order for the Car Rental Collision/Loss Damage coverage to be active on your covered HSBC credit card you must decline the Car Rental Collision/Loss Damage coverage offered by the rental agency. In some jurisdictions the law requires the rental agencies to include Car Rental Collision/Loss Damage in the price of the vehicle rental. In these jurisdictions, Car Rental Collision/Loss Damage under the Certificate of Insurance will only provide coverage for any deductible that may apply if the rental agency’s deductible waiver was waived. 


Q - I am renting a vehicle for 31 consecutive days. Can I bring it back and rent it again for another period of time? 

A - The Certificate of Insurance states that vehicle coverage for the rental period cannot be extended beyond 31 consecutive days by renewing the rental agreement or by taking out a new rental agreement with the same or another rental agency. No coverage is provided for vehicles with rental periods exceeding 31 consecutive days, even for the first 31 days.

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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