No. These offers are independent and separate from any travel coverage customers may have through their HSBC Mastercards.

To protect against medical emergencies, trip interruption/cancellation/delay and baggage loss or delay.

For information related to COVID-19 medical coverage, visit the Travel Guard COVID-19 notice.

Cost is based on age, length of trip and trip cost. Click “Get a Quote” and find out in less than a minute what the coverage for your trip will cost.

All-Inclusive Single Trip can be purchased any time before leaving on your trip

All-Inclusive Annual Trip can be purchased any time before leaving on your first trip

• Up to $3,000,000 Emergency Medical and Dental coverage
• Trip Cancellation, Trip Interruption and Trip Delay coverage
• Baggage and Personal Effects coverage
• Flight and Travel Accident coverage
• 24-hour Emergency Medical Assistance
• Emergency Travel Assistance
• Concierge Service

Please refer to the All-Inclusive Single Trip Summary of Coverage or the All-Inclusive Annual Trip Summary of Coverage as they contain terms, conditions, restrictions, limitations, exclusions and termination provisions.

No.

Yes, coverage is available to be purchased for your spouse and dependent children.

Trip cancellation insurance provides reimbursement for the non-refundable portion of your trip cost if you have to cancel your trip due to a covered risk. What are the top three reasons why people cancel their trip?

• Medical conditions
• Travel advisory issued after your departure date
• Job loss or relocation

Trip interruption insurance provides reimbursement for expenses you pay if your trip is unexpectedly interrupted.

What are the top three reasons why trips are people interrupted?

• Medical conditions 
• Delay of your transportation carrier
• Cruise interruption

Trip delay insurance provides reimbursement for expenses you have to pay if your trip is delayed beyond your scheduled return date.

Baggage Loss – Reimburses you for your baggage that is lost or damaged.

Baggage Delay – Reimburses you for the personal items you need to purchase if your checked baggage is delayed 12 hours or more.

Lost Document – Assists you in replacing your passport, driver’s license, birth certificate or travel visa if they are lost on your trip.

Though there isn’t a policy that will cover everything, HSBC’s All-Inclusive Single and Annual Trip Packages offers you a wide range of coverages. See the Summary of Coverage for details.

You can purchase additional coverage through HSBC’s All-Inclusive Single Trip Package. It’s best to purchase before you leave on your trip to make sure you have coverage for your entire trip.

Call HSBC Travel Insurance at 1-877-202-3341 before you leave on your trip to purchase the additional days.

Not necessarily. Before travelling, consider that:

• Your employee package may only cover you and not your family.
• Most employee packages only cover emergency medical. HSBC’s All-Inclusive Packages include trip cancellation, trip interruption, trip delay, baggage and personal effects. 
• Employee packages usually do not include services such as Concierge or 24-hour Travel Assist.

Yes. Although some pre-existing medical conditions may not be covered, having a pre-existing medical condition doesn’t automatically exclude you from coverage. With any travel insurance coverage there are always exclusions that apply.  Refer to the Summary of Coverage or call HSBC Travel Insurance at 1-877-202-3341.

Canadian Residents less than 85 years old and covered under a Government Health Insurance Plan (GHIP).

Yes. It includes the terms of your insurance, as well as important contact information in case of an emergency. Read it carefully and consider keeping it with your passport, tickets, and other important information.

Medical Emergency – Call the Medical Assist Department, available 24/7, before receiving medical treatment. Someone on your behalf must call as soon as possible if you are unable to call.

Travel Emergency – Call the Emergency Travel Assist department if you have missed a flight, lost your baggage or need to return home early.

Contact us at the time of your emergency and we’ll get your claim started. Claim forms will be sent to you at home or your travel destination.

Your claim forms will outline what additional information is required, which may include receipts, police reports or original documents. Your claim is reviewed once the completed claim forms and all supporting documents are received.

Call 1-877-202-3341 and a licensed representative will be pleased to answer your questions.

If you want to file a complaint, please review the Complaint Resolution Policy, enter the details of your complaint, and a representative from Travel Guard Group Canada, Inc. will contact you.