Travel insurance credit cards

Compare credit cards with complimentary insurance for domestic and overseas travel including your luggage and car rental.

By   |   Verified by David Boyd   |   Updated 27th August 2020

Comparing travel insurance credit cards

HSBC Platinum Credit Card Balance Transfer Offer

On HSBC's website

Apply by 30 September 2020

HSBC Platinum Credit Card Balance Transfer Offer

Interstate flight inconvenience

No

International travel insurance

Yes

Personal item theft cover

Yes

Annual fee

$129.00 p.a. ongoing

Highlights

  • 0% p.a. on balances transferred for 22 months, with no balance transfer fee.
  • $129 p.a. annual fee which is refundable each year when you spend $6,000 on eligible purchases.
  • Earn 2 points per $1 spent on overseas purchases.
Bankwest More World Mastercard

On Bankwest's website

Bankwest More World Mastercard

Interstate flight inconvenience

Yes

International travel insurance

Yes

Personal item theft cover

Yes

Annual fee

$270.00 p.a. ongoing

Highlights

  • 115,000 annual bonus points when you spend $84,000 on eligible purchases in the year.
  • Earn up to 2.5 points per $1 spent on eligible purchases.
  • Enjoy ten airport lounge passes per year with LoungeKey.
American Express Explorer Credit Card

On American Express' website

American Express Explorer Credit Card

Interstate flight inconvenience

Yes

International travel insurance

Yes

Personal item theft cover

Yes

Annual fee

$395.00 p.a. ongoing

Highlights

  • Get 50,000 Membership Rewards points when you apply online, are approved and spend $3,000 in the first 3 months. New Card Members only.
  • Receive a $400 Travel Credit each year towards any flights, hotels and car hire when you book online with this card.
  • T&Cs and eligibility criteria apply. Available to new card members only.
American Express Qantas Premium Credit Card

On American Express' website

American Express Qantas Premium Credit Card

Interstate flight inconvenience

Yes

International travel insurance

Yes

Personal item theft cover

Yes

Annual fee

$249.00 p.a. ongoing

Highlights

  • Earn 30,000 points when you apply online as a new Card Member, are approved and spend $3,000 in 3 months. New Card Members only.
  • Relax with 2 complimentary Qantas Club invitations every year (conditions apply).
  • Complimentary domestic and international travel insurance.
American Express David Jones Platinum Credit Card

On American Express' website

American Express David Jones Platinum Credit Card

Interstate flight inconvenience

No

International travel insurance

Yes

Personal item theft cover

No

Annual fee

$295.00 p.a. ongoing

Highlights

  • Receive 30,000 Membership Rewards Points or 15,000 Qantas Points when you are approved and spend $750 at locations excluding David Jones on your new card within the first three months. Available to new American Express David Jones Platinum Credit Card Members only.
  • Earn 4 Reward Points per $1 spent at David Jones, 3 Reward Points per $1 spent at major supermarkets and petrol stations and 1 Reward Point per $1 spent elsewhere.
  • Flexibility to choose Qantas Frequent Flyer or Membership Rewards as your rewards program.
ANZ Platinum Credit Card

On ANZ's website

ANZ Platinum Credit Card

Interstate flight inconvenience

Yes

International travel insurance

Yes

Personal item theft cover

Yes

Annual fee

$0.00 for 1st year

Highlights

  • 0% p.a. on purchases up to 17 months (reverts to 20.24% p.a. thereafter).
  • Up to 55 days interest free on purchases when you pay your account in full each month.
  • No annual fee for the first year (save $87). Enjoy $0 p.a. annual fee each year thereafter if you make $20,000 of eligible purchases in 12 months.
St.George Vertigo Platinum Credit Card

On St.George's website

Apply by 30 September 2020

St.George Vertigo Platinum Credit Card

Interstate flight inconvenience

Yes

International travel insurance

Yes

Personal item theft cover

Yes

Annual fee

$49.00 for 1st year

Highlights

  • 0% p.a. on purchases for up to 15 months from card approval.
  • Low revert rate on purchases of 12.99% p.a. (ongoing).
  • $49 p.a. fee for the first year ($99 p.a. thereafter).
ANZ Rewards Platinum Credit Card

On ANZ's website

ANZ Rewards Platinum Credit Card

Interstate flight inconvenience

Yes

International travel insurance

Yes

Personal item theft cover

No

Annual fee

$95.00 p.a. ongoing

Highlights

  • Receive 100,000 points when you spend $2,500 on eligible purchases in the first 3 months from approval.
  • A range of complimentary insurances for travel and purchases.
  • Earn ANZ Rewards Points on everyday purchases.
Westpac Altitude Black Credit Card (Altitude)

On Westpac's website

Apply by 11 November 2020

Westpac Altitude Black Credit Card (Altitude)

Interstate flight inconvenience

Yes

International travel insurance

Yes

Personal item theft cover

Yes

Annual fee

$250.00 for 1st year

Highlights

  • Receive 150,000 Altitude bonus points when you spend $4,000 on eligible purchases within 90 days of card approval. Exclusions apply. Qantas rewards fee applies.
  • Earn up to 6 Altitude points per $1 spent (terms and conditions apply).
  • Complimentary Insurances: Overseas Travel, Extended Warranty, Purchase Security and Transit Accidents (terms and conditions apply)
Westpac Altitude Platinum Credit Card (Altitude)

On Westpac's website

Apply by 11 November 2020

Westpac Altitude Platinum Credit Card (Altitude)

Interstate flight inconvenience

No

International travel insurance

Yes

Personal item theft cover

Yes

Annual fee

$99.00 for 1st year

Highlights

  • Receive 80,000 Altitude bonus points when you spend $3,000 on eligible purchases within 90 days of card approval. Terms and conditions apply.
  • 0% p.a. for 18 months on balance transfers (1 % balance transfer fee applies). Reverts to purchase rate of 20.49% p.a.
  • $99 p.a. annual fee for the first year ($150 p.a. annual fee thereafter).
Westpac Altitude Platinum Credit Card (Qantas)

On Westpac's website

Apply by 11 November 2020

Westpac Altitude Platinum Credit Card (Qantas)

Interstate flight inconvenience

No

International travel insurance

Yes

Personal item theft cover

Yes

Annual fee

$99.00 for 1st year

Highlights

  • Receive 60,000 Qantas bonus points when you spend $3,000 on eligible purchases within 90 days of card approval. Terms and conditions apply.
  • Transfer your balance at 0% p.a. for 18 months (1 % balance transfer fee applies). Reverts to purchase rate of 20.49% p.a.
  • $99 p.a. annual fee for the first year ($200 p.a. annual fee thereafter).
Bank of Melbourne Amplify Platinum Credit Card (Qantas)

On Bank of Melbourne's website

Apply by 30 September 2020

Bank of Melbourne Amplify Platinum Credit Card (Qantas)

Interstate flight inconvenience

No

International travel insurance

Yes

Personal item theft cover

No

Annual fee

$99.00 p.a. ongoing

Highlights

  • Earn 60,000 bonus Qantas Points when you spend $2,000 within 90 days from card approval. Exclusions apply.
  • 0% p.a. for 6 months on balance transfers. Reverts to cash advance rate of 21.49% p.a.
  • Earn 0.5 points per $1 spent on eligible purchases (uncapped).
Bank of Melbourne Amplify Signature Credit Card (Amplify)

On Bank of Melbourne's website

Apply by 30 September 2020

Bank of Melbourne Amplify Signature Credit Card (Amplify)

Interstate flight inconvenience

No

International travel insurance

Yes

Personal item theft cover

No

Annual fee

$139.00 for 1st year

Highlights

  • Earn up to 200,000 Bonus Amplify Rewards Points over 2 years when you spend $12,000 on eligible purchases each year.
  • Reduced annual fee of $139 in the first year, currently saving you $140.
  • 0% p.a. for 6 months on balance transfers. Reverts to cash advance rate of 21.49% p.a.
BankSA Amplify Signature Credit Card (Amplify)

On BankSA's website

Apply by 30 September 2020

BankSA Amplify Signature Credit Card (Amplify)

Interstate flight inconvenience

No

International travel insurance

Yes

Personal item theft cover

No

Annual fee

$139.00 for 1st year

Highlights

  • Earn up to 200,000 points bonus Amplify Rewards Points* over 2 years when you spend $12,000 on eligible purchases each year. Exclusions apply.
  • Reduced annual fee of $139 p.a. in the first year, currently saving you $140.
  • Enjoy 0% p.a. for 6 months with 0% fee on Balance Transfers requested at new card application. Rate reverts to cash advance rate.
St.George Amplify Platinum Credit Card (Qantas)

On St.George's website

Apply by 30 September 2020

St.George Amplify Platinum Credit Card (Qantas)

Interstate flight inconvenience

Yes

International travel insurance

Yes

Personal item theft cover

Yes

Annual fee

$99.00 p.a. ongoing

Highlights

  • Earn up to 60,000 bonus Qantas Points when you spend $2,000 on eligible purchases within 90 days from card approval. Exclusions apply.
  • 0% p.a. for 6 months on balance transfers. Reverts to cash advance rate.
  • Earn 0.5 points per $1 spent (uncapped). Plus, get a complimentary Qantas membership fee. Saving you $99.50!
St.George Rainbow Vertigo Platinum Credit Card

On St.George's website

Apply by 30 September 2020

St.George Rainbow Vertigo Platinum Credit Card

Interstate flight inconvenience

Yes

International travel insurance

Yes

Personal item theft cover

Yes

Annual fee

$49.00 for 1st year

Highlights

  • Enjoy 0% p.a. on purchases for up to 15 months from card approval.
  • 6.99% p.a. for 12 months on Balance Transfers with no balance transfer fee (reverts to cash advance fee).
  • Reduced annual fee of $49 p.a. for the first year ($99 p.a. thereafter).
Bankwest Breeze Platinum Mastercard

On Bankwest's website

Bankwest Breeze Platinum Mastercard

Interstate flight inconvenience

Yes

International travel insurance

Yes

Personal item theft cover

Yes

Annual fee

$99.00 p.a. ongoing

Highlights

  • 0% p.a. for 15 months on purchases (reverts to 12.99% p.a. thereafter).
  • 2.99% p.a. for 9 months on balance transfers with no balance transfer fee (reverts to 12.99% p.a. thereafter).
  • Low annual fee of $99 p.a.
  • Limited time only. Fees, T&Cs apply. New Breeze Platinum Mastercard customers only.
Bendigo Bank Qantas Platinum Mastercard

On Bendigo Bank's website

Bendigo Bank Qantas Platinum Mastercard

Interstate flight inconvenience

Yes

International travel insurance

Yes

Personal item theft cover

No

Annual fee

$149.00 p.a. ongoing

Highlights

  • Earn 0.6 Qantas Points per $1 spent.
  • 180 days of comprehensive travel insurance.
  • 0% p.a. on balance transfers for 6 months. Purchase rate of 19.99% p.a. applies thereafter.

Learn all about travel insurance credit cards

  • Q&As

Do all credit cards have complimentary travel insurance cover?

No. The higher your annual fee, the more likely it is that your card will have travel insurance. Rewards points and frequent flyer points cards also tend to have travel insurance since many of the points redemption options involve travel. But cards with a lower, or zero, annual fee may not have any travel insurance benefits.

What is covered by my credit card travel insurance policy?

You will need to read the details in the product information booklet (either a printed copy or a downloaded PDF file) to find out exactly what is covered, and what the payout limits and conditions are. Some of the items commonly covered are:

  • Emergency medical expenses while travelling overseas
  • Loss, theft and damage cover for luggage and other personal belongings
  • Compensation for unavoidable trip cancellation or missed connections
  • Compensation for delay, e.g. delayed flights
  • Car rental insurance excess waiver (mostly while overseas only, but some policies cover this in Australia as well)
  • Accidental death or permanent disability, loss of income
  • Personal liability while travelling

Who is covered by my credit card travel insurance policy?

Again, this varies from card to card. The primary cardholder is invariably covered if there is a travel insurance policy in place. The vast majority of policies (but not all of them) also cover the cardholder’s spouse and children when accompanying the cardholder, provided the policy activation conditions have been met for all persons travelling. Many cards also have cover for supplementary cardholders, which means that a spouse who is a supplementary cardholder is still covered, and children accompanying the spouse are still covered, when travelling without the primary cardholder. Accompanying extended family members, such as parents or siblings, would not be covered (unless they were a supplementary cardholder). Check the product disclosure statement to find out what your particular policy covers.

What is the maximum trip length allowed on my credit card travel insurance policy?

Although there is usually no limit on the number of trips covered in any year, there is a limit on each trip’s duration. For trips within Australia there is often a 14-day limit, and the trip must involve interstate air travel. Overseas trip cover generally allows for longer periods of cover, from 30 days to as long as six months. Once again, the insurance information booklet or product disclosure statement will have more information about this.

How do I activate my credit card travel insurance policy?

Most credit card travel insurance policies have some kind of activation condition, involving travel spending using the credit card. For domestic travel insurance (interstate flight inconvenience cover) you will usually have to pay the airfares in full for everyone needing to be covered. Overseas travel policy activation normally has either the same airfare payment condition, or a target amount (e.g. $500) to be spent using the card for the trip’s prepaid expenses (fares, accommodation, tour or activity costs, etc.) before departure. Rewards and frequent flyer points cards sometimes accept activation where the airfares were purchased with points.

Is the credit card issuer also the insurer behind the policy?

No. The card issuer will have made a master agreement with an insurance underwriter (e.g. ACE, Allianz, QBE) to provide cover for its cardholders.

How do I make a claim against my credit card travel insurance policy?

You will need to make a claim directly with the insurance underwriter, although your card issuer’s service centre will usually help you to get in touch with them if you don’t have the contact details with you while travelling. But it is a good idea to take the policy and insurer contact details with you (or have them available on your mobile device). The insurance underwriter’s product disclosure statement will often provide a list of emergency contact telephone numbers for popular overseas destinations. If you need to make a claim but do not need financial, legal or practical assistance through the policy while you are away, you can wait until you return home before you contact the insurer. Retain any paperwork that you will need to support your claim, and don’t wait too long: there will be a time limit after your return during which you must make your claim.

What credit card travel insurance options are available for over 65's?

Complimentary travel insurance coverage and age restrictions vary between the credit cards that offer this insurance. The age limit ranges from 50 to 90 but you would usually be covered if you are under 80 years old.

For your quick reference, you can easily compare the insurance provider, maximum age limit and general restrictions below:

  • American Express (Chubb): Up to 79 (You must be under 80 years of age and in a good state of health and be fit to travel to be eligible for this cover).
  • ANZ (Allianz): Up to 80. To be eligible you must be 80 years of age or under on the day you activated cover.
  • Bankwest (Cover-More): Overall age limit is 79, if you have asthma it is under 60, and if you have diabetes or glucose intolerance, then it is under 50.
  • Bank of Melbourne (Allianz): Up to 80 (This cover is only available to persons up to and including 80 years of age).
  • Citi (Allianz): Up to 79. Limited cover is available for people aged 80 or over but may require further steps to activate and may attract a premium charge.
  • HSBC (Allianz): Age limit is not outlined in the policy document.
  • NAB (QBE): Up to 90. You must be 90 years of age or under before the date of departure for your trip. Note that you will not be covered if you have to return to Australia due to the unforeseen death, accidental injury or illness of a relative over 80 years of age.
  • St.George (Allianz): Up to 80. This cover is only available to persons up to and including 80 years of age.
  • Virgin Money (Allianz): Age limit is not outlined in the policy document.
  • Westpac (Allianz): Up to 80. This cover is only available to persons up to and including 80 years of age.