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HSBC travel insurance review

Read Which?'s expert review of HSBC's travel insurance. Find out how we rate HSBC's policy and how it compares with dozens of other travel insurance providers

In this article
HSBC travel insurance overview How good is HSBC travel insurance? Should you buy HSBC travel insurance?
Is HSBC's travel insurance coronavirus proof? HSBC travel insurance: how can I claim? Get top money-saving tips from Which?

HSBC travel insurance overview

HSBC was first established in 1865 and is one of the biggest banks in the world. It provides a range of insurance products, all of which are underwritten by Aviva.

Its Select and Cover worldwide travel insurance is open to existing HSBC current account, savings account, mortgage and credit card customers. 

Select and Cover worldwide travel insurance must be purchased as past of a package alongside two other insurance products.

HSBC customers can choose from mobile phone, gadget, car breakdown, home emergency, excess protection and life Insurance. Visit HSBC's website for more information.

How good is HSBC travel insurance?

 

Policy name Policy type Max trip length Max age Policy score

Covid rating

 

(What's this?)

How well a policy covers you for typical coronavirus-related disruption. Ratings run from basic (worst) to low, superior and complete (best).

HSBC Select and Cover Annual only 45 days 69 years old Logged out score Complete

 

 

How we analyse travel insurance

 

We analyse and rate 52 key elements of travel insurance policies to come up with the overall policy score. We assess how important each individual element is to travellers when choosing and using a travel insurance policy, and weight it accordingly when calculating our total policy score.

Initially, we score all the product elements out of five, reflecting how competitive each provider is in this area compared with other insurers. Weightings are then applied to the high and lower element scores to enhance/reduce their impact on the overall policy score.

Should you buy HSBC travel insurance?

We've rated hundreds of policy details to come up with a combined expert policy score.

Members can log in to read our full policy analysis. If you're not already a member, join Which? and get full access to these results and all our reviews.

 

In detail: every part of HSBC's travel insurance rated

 

   

Select and Cover

Weighting Policy element Details Rating
Most Important Medical expenses - limit per claim Logged out detail Logged out padlock
Most Important Medical repatriation - limit per claim Logged out detail Logged out padlock
Most Important Private healthcare covered in an emergency (if no alternative)? Logged out detail Logged out padlock
Secondary Pre-existing medical conditions covered? Logged out detail Logged out padlock
Secondary Dental treatment - limit per claim Logged out detail Logged out padlock
Other Hospitalisation cover - limit per claim Logged out detail Logged out padlock
Other GHIC excess waiver Logged out detail Logged out padlock

Table last updated in June 2021. Next update in June 2022.

To see how HSBC's travel insurance compares to other policies check out our guide on the best and worst travel insurance.

Is HSBC's travel insurance coronavirus proof?

We contacted 86 travel insurers and quizzed them on whether their policies cover coronavirus-related incidents.

Specifically we wanted to know if four scenarios would be covered: needing treatment for coronavirus abroad; having to cancel because of a positive test; having to cancel because of self-isolation; or having to cancel because of government advice.

We've rated insurers' coronavirus cover, and explained what they offer, including any relevant exclusions.

Members can log in to read our full policy analysis. If you're not already a member, join Which? and get full access to these results and all our reviews.

HSBC travel insurance: how can I claim?

For emergency medical assistance when abroad, call +44 (0)1603 208 95.

For claims, call +44 (0)345 302 8387.

Before calling for cancellation claims, you should contact your travel agent and/or airline to seek a refund or to move your trip.

You'll need your policy document when you call.

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