hsbc aspects travel insurance 2022

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It’s been three long years, and finally the time has come for us to dust off our passports and start packing our bags again. The threat of COVID-19 is still with us, however. So how should we choose our travel insurance to ensure we are well covered?

Protection against COVID-19

Pay particular attention to whether a travel insurance policy offers COVID-19 coverage. Possible scenarios include:

There are plans on the market that cover all the above scenarios, protecting you all the way from before your departure, to after your return home. You should choose a plan based on your specific needs.

Yet, travel insurance isn’t only about COVID-19 protections. Check to see if the scope of coverage includes the following too:

Enjoy global medical coverage with a VHIS plan

Once the borders completely reopen, you’d probably transit back into frequent traveller mode, whether for business or pleasure. You may even have plans for moving or studying abroad. If you will be staying overseas for extended periods of time, a medical protection plan that covers overseas medical expenses is a must-have in addition to travel insurance. Choosing a Voluntary Health Insurance Scheme (VHIS) that can cater to your needs is crucial. Some of the plans would protect you against medical expenses in the Greater China area, Asia or even other parts of the world. On top of the global medical coverage, there are other reasons for getting a VHIS policy:

The past three years have been a stark reminder that the future can be unpredictable. Only by preparing adequate protection for ourselves and our families can we make sure that no sudden illness or mishap would disrupt our plans.

Travel Insurance Checklist 2022

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HSBC: Travel Insurance reviews

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About the Travel Insurance

Do you buy travel insurance before going abroad? There are hundreds of different travel insurance policies on the market, all designed to help you stay protected while travelling...and giving you piece of mind, whether you're enjoying a sun swept beach or on an adverture-packed holiday. But with so many different policies to choose from, finding the right policy for you can be quite confusing. Reading our HSBC travel insurance reviews can help you find out what other travellers have to say. You can also write your HSBC travel insurance review too!

Review HSBC: Travel Insurance now

Hsbc travel insurance reviews ( 9 ), banking insurance at its best, the premier worldwide travel cover - beware, really good travel insurance.

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Buying insurance

There are several ways to find and buy insurance to cover almost every risk you might encounter. They include:

• Buying insurance directly from an insurance provider or your bank - either in person, online or by phone.
• Using a price comparison website, which will compare the cost of insurance from different providers.
• Contacting an insurance broker, who will find an insurance product to suit your circumstances.

You could also be offered certain insurance coverage as part of a purchase, or have it included within a policy you already have in place.

Examples of ‘bundled insurance’ include:

• Travel insurance that comes included within the price of your holiday or travel booking.
• Breakdown coverage that comes free with your car insurance.
• Identity theft coverage that's included with a credit card. 

As well as ‘bundled insurance’ you may also be offered an extended warranty as an incentive to purchase, in addition to any warranty or guarantee period required by law.

Examples include:

• Warranty coverage that comes as part of the deal you've negotiated for a used car.
• Extended warranties and coverage that come with the purchase of new products (for example, a washing machine).

The insurance and/or warranties described in these examples may provide all the coverage you need. Be aware, however, that you may find more comprehensive, or more flexible coverage that better suits your needs if you purchase it separately.

How to compare policies and quotes

When you're looking at the coverage offered by different insurance providers, it can be hard to make a useful or meaningful comparison.

For example, one might offer a lower premium, but include a higher deductible payment in the event of a claim. Another might include a broader range of coverage and benefits, but at a higher premium.

How do you go about selecting the right policy?

• Start with the basics - make a list of all the elements of coverage, the terms and the benefits you actually need, or want.
• Focus only on the policies that provide essential coverage - all of the elements of coverage that you consider essential. Anything else offered can be considered a bonus.
• Consider what isn’t included - in many ways this is more important than what is covered. For example, your travel insurance might exclude claims relating to pre-existing medical conditions.
• Now make your final selection based on these 3 criteria - price, payment terms and, often overlooked, the provider’s reputation in the eyes of its existing customers.

Reputation matters

While price may be a deciding factor when it comes to choosing insurance, it's a good idea to check out a provider’s reputation before committing. There are plenty of review websites that will give you genuine, honest and unbiased reviews from a provider’s existing customers.

You might want to find out:

• What percentage of claims are settled without challenge?
• How easy is it to make a claim?
• How quickly are claims settled?
• How satisfied are the provider’s existing customers?

Increasingly people want to be reassured that their money is going to organizations whose values are aligned with their own. Paying a little more to insure with a brand you value and trust may be more important to you than going with the provider offering the cheapest coverage.

You may also want to do a little research about a provider’s ethical or environmental credentials before committing to them.

A few things to watch out for

• Always check the detail of an insurance quote                                          You'll want to make certain that it suits your individual needs. For example, can you pay in monthly installments?
• Make sure you provide accurate information                                         Answer any questions asked honestly when applying for a quote. If you don't, there's a chance that a claim may be reduced in value, or your policy cancelled altogether.
• Remember to update your policies                                                              Your needs will change over time and it's often a requirement of an insurance policy to let them know of any changes to your circumstances. If you don't, it’s possible for a claim to be rejected.
• Review your coverage from time to time                                                            For general insurance (e.g. car or home insurance) you could do this each time your renewal is due. For other, longer term coverage (e.g. life insurance) you could review your needs at significant life stages, like getting married, moving in with a partner or starting a family. 

Protect what matters

Protecting your wellbeing  

Protecting your identity  

Protecting what matters  

Why is insurance important and what can you protect?  

• UK Cruisers

HSBC account included Travel insurance ?

By wallis7219 , August 26, 2021 in UK Cruisers

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We are due to go on a couple of Seacations in September .

trying to get HSBC to confirm their travel Insurance aspects cover will cover the requirements that the Cruise lines are demanding currently, is proving to be somewhat tricky!

Has anyone sailed with any Cunard, Princess P and O with HSBC included account insurance?   

Really don’t want to get to the port and they say it does not cover the requirement.

just looking for a bit of peace of mind, as I think it does but, but trying to get someone from HSBC to confirm this is beyond me currently?   

Just looking for any confirmation of other people’s experience with insurance requirements ?

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23 minutes ago, wallis7219 said: Hello  We are due to go on a couple of Seacations in September . trying to get HSBC to confirm their travel Insurance aspects cover will cover the requirements that the Cruise lines are demanding currently, is proving to be somewhat tricky!   Has anyone sailed with any Cunard, Princess P and O with HSBC included account insurance?    Really don’t want to get to the port and they say it does not cover the requirement. just looking for a bit of peace of mind, as I think it does but, but trying to get someone from HSBC to confirm this is beyond me currently?    Just looking for any confirmation of other people’s experience with insurance requirements ?   Thanks Gary  

I used it on MSC without problem, different cruise line but........

If you follow this link and click "ask Aviva for confirmation of cover" you will get a confirmation that covers staycations and cruise ships, I don't know what you are looking for but I suspect this confirmation will provide what you need, it did for me on MSC.

https://www.hsbc.co.uk/insurance/products/premier-travel/

• 3 weeks later...

busymumofthree

I stumbled across this as I too have HSBC cover.  Thank you for the link, ziggy, - very helpful

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