HSBC Premier World Elite Mastercard (United Kingdom) Trip Delay Coverage: £250 per person Reimbursement

The HSBC Premier's trip delay benefit reimburses up to £250 per person — but only after a 12-hour minimum delay. That 12-hour threshold is significantly higher than most premium travel cards, which typically kick in at 6 hours. In practical terms, this means a 10-hour overnight delay at Heathrow won't qualify, even though you've paid for a hotel and meals out of pocket.
When the delay does exceed 12 hours, you're covered for reasonable expenses: meals, accommodation, toiletries, and local transport. Like all HSBC Premier travel benefits, this is provided through the Aviva insurance policy tied to your Premier Account — not through Mastercard directly. That means the same enrollment and medical declaration requirements apply here as they do for the rental car and travel insurance benefits.
Keep every receipt and get written confirmation of the delay cause from your carrier before you leave the airport. Without that documentation, the claim process becomes significantly harder.