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

HSBC Platinum Credit Card Balance Transfer Offer

Interstate flight inconvenience

No

International travel insurance

Yes

Personal item theft cover

Yes

Annual fee

$0.00 for 1st year

Highlights

  • Enjoy 0% p.a. on balance transfers for 26 months, with 1% balance transfer fee.
  • Save with $0 p.a. annual fee for the first year. The $129 p.a. annual fee.
  • Earn 2 points per $1 spent on overseas eligible purchases; or 1 point per $1 spent for all other eligible purchases.
  • Redeem points for e-Gift cards from Uber Eats, Woolworths, Bunnings and more.
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

Apply by 27 January 2021

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

  • Receive up to 150,000 Membership Rewards sign-on bonus points with your new American Express Explorer Credit Card. That’s 120,000 Bonus Membership Rewards Points when you apply online by 27 January 2021, are approved and spend $3,000 on your new Card within the first 3 months. Plus, an additional 30,000 Bonus Membership Rewards Points in Year 2 upon fee renewal. T&Cs apply. 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.
  • Earn 2 Membership Rewards points per $1 spent on purchases except government bodies in Australia where you will earn 1 point per $1 spent (uncapped).

Pros

  • 120,000 bonus Membership Rewards Points when you spend $3,000 on your card within the first 3 months from approval. Plus, 30,000 points upon second-year renewal.
  • $400 travel credit every year.
  • Get 2 complimentary airport lounge passes per year.

Cons

  • The $395 p.a. annual fee.
American Express Qantas Premium Credit Card

On American Express' website

Apply by 02 February 2021

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

  • Receive 80,000 bonus Qantas points plus $200 back when you apply by 2 February 2021, 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.
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% (standard purchase rate). Eligibility criteria, T&Cs, fees, and charges apply.
  • 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). Standard Annual Fee of $87 p.a. applies, thereafter.

Pros

  • Take advantage of the 0% p.a. for the first 17 months on purchases.
  • $0 annual fee in the first year, $87 p.a. thereafter (terms and conditions apply).
  • Complimentary insurance covers, including international travel insurance, purchase protection insurance and extended warranty insurance

Cons

  • There are no rewards program for this card.
St.George Vertigo Platinum Credit Card

On St.George's website

Apply by 09 February 2021

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).

Pros

  • 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).

Cons

  • No balance transfer offer.
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 bonus Reward Points and $50 back to your account when you spend $1,500 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.
  • Offer for a new card only. T&Cs, eligibility criteria, fees & charges apply (including annual fee currently $95).

Pros

  • 100,000 bonus Reward Points and $50 cashback (terms and conditions apply).
  • Comes with complimentary insurance covers, including international travel insurance, purchase protection insurance and extended warranty insurance.

Cons

  • There is a $65 annual fee per additional cardholder.
Westpac Altitude Black Credit Card (Altitude)

On Westpac's website

Apply by 31 March 2021

Westpac Altitude Black Credit Card (Altitude)

Interstate flight inconvenience

Yes

International travel insurance

Yes

Personal item theft cover

Yes

Annual fee

$250.00 p.a. ongoing

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)

Pros

  • 150,000 bonus Altitude Points when you spend $4,000 in 90 days.
  • Enjoy complimentary lounge passes.
  • Comes with complimentary overseas travel and purchase insurances.

Cons

  • The high annual fee of $250.
Westpac Altitude Platinum Credit Card (Altitude)

On Westpac's website

Apply by 31 March 2021

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).

Pros

  • 80,000 bonus Altitude Points when you spend $3,000 in 90 days.
  • 0% p.a. for 18 months on balance transfers.
  • Additional savings with the $99 first-year annual fee ($150 p.a. thereafter).
  • Comes with complimentary travel insurance.

Cons

  • There is a 1% balance transfer fee.
  • Only up to 45 days interest-free on purchases.
Westpac Altitude Platinum Credit Card (Qantas)

On Westpac's website

Apply by 31 March 2021

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 then $200 p.a. annual fee thereafter (inclusive of $50 Qantas Rewards opt-in annual fee).

Pros

  • 60,000 bonus Qantas Points when you spend $3,000 in 90 days.
  • 0% p.a. for 18 months on balance transfers.
  • Additional savings with the $99 first-year annual fee ($200 p.a. thereafter).
  • Comes with complimentary insurance covers which include overseas medical and purchase security.

Cons

  • There is a 1% balance transfer fee.
  • Only up to 45 days interest-free on purchases.
Bank of Melbourne Amplify Platinum Credit Card (Qantas)

On Bank of Melbourne's website

Apply by 09 February 2021

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 70,000 bonus Qantas Points when you spend $1,500 within 90 days from card approval. Exclusions apply.
  • 0% p.a. for 15 months on balance transfers with 1% balance transfer fee. 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 09 February 2021

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 09 February 2021

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 09 February 2021

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 70,000 bonus Qantas Points when you spend $1,500 on eligible purchases within 90 days from card approval. Exclusions apply.
  • 0% p.a. for 15 months on balance transfers with 1% balance transfer fee. Reverts to cash advance rate.
  • Earn 0.5 points per $1 spent (uncapped). Plus, get a complimentary Qantas membership fee. Saving you $99.50!

Pros

  • Earn up to 70,000 bonus Qantas Points when you spend $1,500 on eligible purchases within 90 days from card approval. Exclusions apply.
  • 0% p.a. for 15 months on balance transfers with 1% balance transfer fee. Reverts to cash advance rate.
  • Earn 0.5 points per $1 spent (uncapped). Plus, get a complimentary Qantas membership fee. Saving you $99.50!

Cons

  • Points earning rate of 0.5 points is lower than others.
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

$0.00 for 1st year

Highlights

  • 0% p.a. on balance transfers for 26 months (10.99% p.a. thereafter, 2% BT fee applies).
  • No annual fee for the first year.
  • Enjoy platinum benefits such as no foreign transaction fees and complimentary overseas travel insurance.
  • Limited time only. Other fees, T&Cs apply. New Breeze Mastercard customers only.
Bendigo Bank Qantas Platinum Credit Card

On Bendigo Bank's website

Bendigo Bank Qantas Platinum Credit Card

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.