What does the insurance of my Cash Rewards Mastercard HSBC card cover?

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Victor
Victor
Credit card insurance expert @Hellosafe
The HSBC Cash Rewards Mastercard® offers strong insurance coverage for everyday users. For travel abroad, the card does not provide emergency medical coverage, trip cancellation, or interruption insurance. However, it includes Purchase Assurance, protecting eligible new purchases against theft or accidental damage for up to 90 days, and Extended Warranty Insurance, which doubles the original manufacturer’s warranty for up to one additional year, ensuring peace of mind for travel-related purchases.
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For travel abroad, the card does not provide emergency medical coverage, trip cancellation, or interruption insurance. However, it includes Purchase Assurance, protecting eligible new purchases against theft or accidental damage for up to 90 days, and Extended Warranty Insurance, which doubles the original manufacturer’s warranty for up to one additional year, ensuring peace of mind for travel-related purchases.
For winter sports enthusiasts, the card does not provide specific protections for ski-related accidents, equipment damage, or rescue expenses, limiting its suitability for winter sports travelers.
In the vehicle rental category, the card does not include Auto Rental Collision/Loss Damage Insurance, which reduces its appeal for travelers relying on rental car coverage.

Travel Insurance Card Cash Rewards Mastercard HSBC

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Car Rental Insurance Card Cash Rewards Mastercard HSBC

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Content Insurance Card Cash Rewards Mastercard HSBC

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FAQ - HSBC Cash Rewards Mastercard

faq

How can I contact customer support?

To contact customer support for your HSBC Cash Rewards Mastercard, please call 1-800-668-8680 within Canada and the U.S., or collect at 416-977-6066 from other locations.

How do I report a claim?

To file a claim, call 1-800-668-8680 within Canada and the U.S., or collect at 416-977-6066 from other locations. Claims should be submitted within 90 days of the incident.

Who is insured?

The insured includes the primary cardholder and household members such as their spouse, parents, children, and siblings, provided they share the same residence.

How can I obtain an insurance certificate?

To obtain an insurance certificate or further coverage details, contact HSBC customer support at 1-800-668-8680.

For which sports activities am I not insured?

Exclusions include damage due to fraud, misuse, war, criminal activities, cosmetic damage, and items not purchased for personal use. Refer to the policy for full details.

From when am I covered, and for how long?

Coverage begins on the purchase date of the item, provided the full cost is charged to the HSBC Mastercard, and extends up to 90 days for Purchase Assurance benefits.

In which countries am I covered? Am I covered worldwide?

Yes, coverage applies worldwide, provided the item or mobile device was purchased and paid for with your HSBC Mastercard. Exclusions may apply; refer to the policy for details.

To benefit from the coverage, does the trip need to be paid in full with the card?

Yes, to benefit from coverage, the purchase or payment must be made in full using your HSBC Cash Rewards Mastercard.

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