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Coronavirus Travel Insurance FAQs

Learn more about your rights if your travel plans have been disrupted by the coronavirus (COVID-19) outbreak.

As new guidance is announced, the information on this page may change. Please check back regularly for the most up-to-date information.

What am I covered for under HSBC Travel Insurance?

The Foreign and Commonwealth Office (FCO) provides helpful advice to UK citizens who are planning to travel to different countries or regions. On 17 March 2020, the FCO advised against all non-essential travel worldwide. Then on 4 April, it was confirmed that this advice would apply for an indefinite period.

On 4 July, the FCO travel advice changed, with exemptions for travelling to certain countries and territories that no longer posed a high risk. Please check the list of exempted destinations regularly, as there may still be restrictions that could impact your cover. The FCO continue to advise against non-essential international travel, except to the countries and territories listed.

You also need to be aware of any local quarantine restrictions that apply to where you live or to your travel arrangements. Before booking a trip, check the status of your chosen destination country to see if there are any restrictions still in place, such as quarantine, local outbreak restrictions and self-isolation periods.

Please be aware that you’ll receive no cancellation/abandonment cover if you book a trip to a country that still has restrictions in place.

This information will continue to be reviewed and updated in line with the FCOs advice.

If you’re currently abroad, please visit the FCO website for up-to-date advice on getting home.

Travel insurance covers you for non-refundable costs. Your first step should be to contact your airline, travel or accommodation provider to find out what your options are for receiving a refund, or if they will allow you to amend your original arrangements.

If you booked a now cancelled package holiday, the travel provider you booked with is liable to refund all payments you made under the Package Travel Regulations 2018.

If you paid with your credit card, debit card or PayPal for any part of your now cancelled trip, you may also need to contact your payment provider to request a refund. For any non-refundable costs, please contact our claims team.

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