What is travel insurance?

Whether it’s a delayed flight, lost luggage, or you fall ill while overseas, travel insurance can help cover the financial costs.

Before taking out a travel insurance policy, check if you already have cover. For example, some bank accounts include travel insurance as an added benefit.

If you do need to take out a policy, make sure you have the right level of cover for things such as:

If you’re a keen traveller, it’s worth considering ‘multi-trip cover’ to see if it works out cheaper than insuring a single trip.

There are many reasons why people take out travel insurance, such as:

Travel insurance can cover you if your flight is cancelled. Some policies will also cover you if your flight is delayed for a certain amount of time or if you miss a connecting flight as a result.

Check your policy to see what type of cover you have for delays and disruptions.

Having your personal items stolen can have a big impact on your trip – whether it’s your money, phone, or travel documents. If your luggage gets lost en route to your destination, you may need to buy some essentials until it shows up.

With the right travel insurance policy, your belongings may be covered.

Having financial cover to help with medical emergencies can give peace of mind while away. Depending on your policy, you may get cover for ambulance services, hospital admissions, or necessary treatments. Having travel insurance can help cover expensive medical bills.

HSBC Travel Insurance can cover you for unforeseen incidents while you’re away, helping you have a worry-free time. You can get an instant quote and instant cover if needed.

With a global presence and worldwide arrangements, you can get travel assistance 24/7 alongside multilingual healthcare professionals.

To be eligible for travel insurance, you need to be:

It’s a good idea to buy travel insurance as soon as you book your holiday – if your trip gets cancelled before you go, for example, you might be able to claim the money back.