HSBC Premier travel insurance: what does it cover?
Last checked against HSBC's policy documents on 27 October 2026
HSBC Premier Worldwide Travel Insurance, underwritten by Aviva, is available to HSBC UK Premier account holders. Premier has no monthly account fee, but to qualify you need an income of at least £100,000 paid into the account, or £100,000 of savings or investments with HSBC in the UK.
Cover is for trips of up to 31 days (up to 120 days with a paid upgrade), including winter sports for up to 31 days a year. You and your partner must be under 70 when the trip starts, and children and grandchildren must be under 23.
It isn't automatic: you apply for the travel insurance separately, and you are not covered until HSBC tells you it has been accepted.
What HSBC Premier travel insurance covers
| Cover | Who is covered | Key limits |
|---|---|---|
| Travel (Aviva) | You and your partner, if you are both under 70 when the trip starts. Dependent children and grandchildren under 23. Grandchildren are only covered when travelling with you or your partner. | Worldwide, trips up to 31 days. Emergency medical expenses up to £10 million. Cancelling or coming home early up to £7,500. Belongings up to £2,500 in total, including £650 for valuables or any single item. £50 excess per person. |
| Winter sports (Aviva) | As for travel. | Up to 31 days per calendar year. Own equipment up to £500 (£50 excess). Hired equipment isn't covered, but hire of replacement equipment is, up to £250. Lift pass up to £250. Piste closure £30 a day, up to £300. Ski pack refund up to £500. Off-piste only with a qualified guide at all times. |
Where people get caught out
- You have to apply. Having a Premier account isn't enough on its own: you are only covered once HSBC confirms your application.
- Turning 70. You and your partner must be under 70 when each trip starts. HSBC says that once you reach 70 you are no longer covered.
- Pre-existing medical conditions aren't covered unless they are on the accepted conditions list, or you declare them to the HSBC Medical Risk Assessment Helpline (0800 051 7457) and they are accepted in writing.
- Trips longer than 31 days need the paid upgrade (up to 120 days), and you must have booked your return trip before you buy it.
- Children travelling without you. Premier children are only covered in set situations, such as travelling with you, staying with close relatives abroad, or on a school trip.
- Ski kit and off-piste. Hired skis and boots aren't covered if lost or damaged, off-piste skiing needs a qualified guide with you at all times, and heli-skiing, glacier skiing and freestyle are excluded.
- Changing or closing the account. Cover ends when the Premier account is closed or changed.
- UK holidays only count if you are away for at least 2 nights in a row.
Could you be paying twice?
If you have HSBC Premier travel insurance, check whether you also pay for any of these.
- A separate annual travel policy for anyone the Premier policy already covers.
- Travel cover on a premium credit or charge card, such as American Express Platinum.
- Ski insurance sold with a holiday package, when you already have up to 31 days of winter sports a year.
Compare limits and excesses before cancelling anything: a separate policy may give you more cover, or cover people the Premier policy doesn't.
Related guides
Common questions
- Is HSBC Premier travel insurance free?
- HSBC Premier has no monthly account fee, and the travel insurance is a Premier benefit. You do need to meet the Premier eligibility criteria and apply for the insurance separately.
- What is the age limit on HSBC Premier travel insurance?
- You and your partner must be under 70 when the trip starts. Children and grandchildren must be under 23.
- Does HSBC Premier travel insurance cover skiing?
- Yes, for up to 31 days per calendar year. Your own equipment is covered up to £500, but hired equipment isn't. Off-piste skiing is only covered with a qualified guide at all times.
- Can I extend HSBC Premier travel insurance for a longer trip?
- Yes. You can buy an upgrade to cover a trip of up to 120 days, once your return trip is booked. You need one upgrade for each trip longer than 31 days.
- Who can get an HSBC Premier account?
- HSBC says you need an individual annual income of at least £100,000 paid into the account, or £100,000 of savings or investments with HSBC in the UK, or to qualify for HSBC Premier in another country.