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The HSBC Platinum, HSBC Platinum Qantas and HSBC Premier World credit cards all offer complimentary international and domestic travel insurance. The insurance is issued by Allianz and covers hospital and medical expenses, cancellation and delays as well as lost luggage or personal items. Eligibility requirements and exclusions apply, so it's important to read through the policy and ensure that the insurance is suitable before you travel.
You can use this guide to learn more about HSBC's complimentary travel insurance to decide if it's the right type of cover for you.
HSBC Platinum credit cards provide complimentary international travel insurance for up to four months from the date of your departure from Australia. Your spouse and dependant children are also covered when you purchase 90% of their international travel ticket using your HSBC account.
Only the primary cardholder can claim the benefits listed specifically for the “cardholder”, while a spouse or dependant must claim benefits listed under the cardholder’s “spouse or dependants” benefits section of this insurance policy. Your spouse and dependant children must also travel with you for the length of your journey to be eligible for HSBC credit card insurance benefits.
If you're ready to make a claim, you should contact Allianz directly. Make sure you have the necessary information to complete the claim before you call:
You will need to provide these documents if you want to make a claim:
Follow these steps to make a claim on your HSBC credit card insurance policy:
The following benefits and limits apply to HSBC credit card complimentary international travel insurance. HSBC Premier World Mastercard cardholders receive a higher benefit limit.
Benefit | Cover | Excess |
---|---|---|
Medical and hospital expenses | Unlimited | $200 |
Luggage and travel documents | $25,000 per person $40,000 per family | No excess |
Resumption of journey following the death of a family in Australia | $7,500 per person $14,000 per family | $200 |
Special event | Up to $3,000 | $200 |
Unexpected cancellation of travel or accommodation | Unlimited | $200 |
Rental vehicle excess cover | $3,000 | $200 |
Travel delay expenses | Up to $900 for a family | $200 |
Accidental death | Up to $65,000
| No excess |
Funeral expenses | $15,000 per cardholder $30,000 per family | No excess |
Legal liability | $2,500,000 | No excess |
Domestic pets | Up to $75 per 24 hours that your return to Australia is delayed a maximum of $500 if your return to Australia is delayed | No excess |
Assault requiring hospitalisation | Up to $600 | No excess |
Hijack or detention | Up to $250 per person per 24 hours (maximum $12,000) | No excess |
Note: An excess in insurance is basically the amount you must pay towards any claim that you make.
Sub-limits also apply for some of the benefits listed here. For example, within the Luggage and Travel Documents benefit, you receive up to $5,500 per personal item for baggage, clothing and personal valuables and get up to $600 for emergency replacement of lost clothes and toiletries.
Item | Cover |
---|---|
Luggage, valuables and personal valuables | $5,500 |
Portable electrical equipment and binoculars | $5,500 |
Cameras and equipment/accessories | $5,500 |
Laptop computers and equipment/accessories | $5,500 |
Travel documents, traveller’s cheques, credit cards and cash | $600 up to $1,100 for a family |
You’re eligible to receive the following insurances when you use your HSBC platinum or premier credit card overseas and in Australia:
Australian warranty | Extended warranty |
---|---|
7 days | 7 days |
14 days | 14 days |
1 month | 1 month |
6 months | 6 months |
1 - 5 years | 1 year |
5 years + | N/A |
HSBC platinum and premier credit cards can cover you and your family for emergency medical and dental costs, lost personal items and travel delays for up to four months. All you need to do is charge at least 90% or more of your overseas travel ticket to your eligible HSBC credit card.
We can help you with general questions about your credit cards and complimentary insurance cover, so feel free to write a comment below. If you have any specific questions about your insurance policy, you will need to contact Allianz on 1800 648 093 for information specific to your circumstances.
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