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BankSA are part of the Westpac Group, so this complimentary credit card travel insurance policy is underwritten by Allianz - the same insurer for Westpac, Bank of Melbourne and St.George. Premium BankSA credit cards offer between three and six months complimentary international travel insurance to cardholders and family members travelling with them.
While complimentary travel insurance can come in handy, it’s important to familiarise yourself with the terms and conditions to make sure you’re eligible for cover before you go on holidays. Read on to find out if BankSA complimentary insurance is suitable for you.
These BankSA credit cards give you six months complimentary travel insurance. In this instance, these cards are considered Level 1:
If you have the BankSA Amplify Platinum you’re eligible for three months complimentary international travel insurance. This is a Level 2 credit card. Level 2 cards offer lower benefits than Level 1 cards.
Compare BankSA credit cards here
To be eligible for BankSA credit card complimentary insurance, you must purchase at least $500 of your prepaid travel expenses - flights, accommodation, airport taxes, for example - on your eligible BankSA credit card, have a return travel ticket and be 80 or younger. Pre-existing medical conditions are not covered under this insurance, but you can apply to have any ongoing illnesses covered by calling Allianz or applying for extra cover online.
Provided that you meet the eligibility conditions listed above, the travel insurance cover is automatic, so there's no need to call the insurer to activate the insurance. You can find the full terms and conditions online.
Your spouse and dependent children are also eligible for cover under this policy. They must be Australian residents or 457 visa holders, be travelling with you for the entire length of journey and meet the above insurance eligibility requirements. You and your family are given comprehensive benefits including medical and dental. The cover begins when you leave your home and head to the airport or terminal. The cover ends when you arrive back home.
If you want to make a claim, you need to contact Allianz within a month of arriving home. Do this even if you have already contacted the insurer when you were overseas. You can do this by calling 1800 091 710 in Australia.
You must provide proof to Allianz if you want to make a claim, this includes:
You get these benefits from Allianz for trauma, accidents and illness overseas.
Benefit | Cover level (Up to) | Excess |
---|---|---|
Medical and hospital expenses | Levels 1 and 2 cards
| $250 |
Loss & damage to personal property | Level 1 cards
Level 2 cards
| No excess |
Cancellation of travel arrangements | Levels 1 and 2 cards
Level 1 cards
Level 2 cards
| $250 |
Journey continuation if there’s a death in your family | Level 1 cards
Level 2 cards
| $250 |
Cover to arrange transport for Special Events | Level 1 cards
Level 2 cards
| $250 |
Rental vehicle excess cover | Level 1 cards
Level 2 cards
| $250 |
Travel delay (meal and accommodation costs after a 6 hour delay) | Levels 1 and 2 cards
| $250 |
Funeral expenses | Levels 1 and 2 cardsUnlimited | No excess |
Accidental death benefit (not covered under Transit Accident Insurance) | Level 1 cards
Level 2 cards
| No excess |
Legal Liability Insurance | Levels 1 and 2 cards$2,500,000 | No excess |
Loss of income protection | Level 1 cards
Level 2 cards
| No excess |
Pet insurance | Levels 1 and 2 cards$50 every 24 hours capped at $500 | No excess |
Hospitalisation from assault | Levels 1 and 2 cards$500 | No excess |
Hijacking | Levels 1 and 2 cards
| No excess |
Kidnapping | Levels 1 and 2 cards$100,000 | No excess |
Some benefit limits are lower for circumstances where you’re at fault. For example, the loss and damage to personal property benefit covers your personal items to $5,000 only (Level 1 cards) if left unattended in a motor vehicle. Furthermore, there is no cover for personal items left unattended at airports or in taxis.
The BankSA credit card insurance will cover the costs of your stay in an overseas hospital if you become sick or injured. This includes a daily allowance for outpatient and inpatient admission. This insurance includes a benefit to pay for a relative to come and visit you in hospital if you need to be escorted back to Australia as well.
You won’t get a benefit when:
The following benefit claim amounts apply to BankSA credit cards with Level 1 complimentary insurance:
The benefit amounts paid to Level 2 cards is lower than the benefits listed above for Level 1 cards. You will have to prove that you own the lost, stolen or damaged items by providing a receipt of purchase to the insurer. If you can’t prove the items are yours, Allianz will only pay a maximum 10% for each claim under the loss and damage to personal property benefit.
These insurances are available on select BankSA premium credit cards as well as international travel insurance. These credit card perks come with strict conditions, be sure to read the product disclosure statement.
Hunting, mountaineering, rock climbing and whitewater rafting are not covered by this policy. If you have these types of activities on your holiday itinerary - including skiing - you may want to have a look at a specialised travel insurance policy. We compare travel insurance for all types of holidays.
We can also answer general questions about this policy; however, for information specific to your circumstances, contact the insurance provider directly.
Image: Shutterstock
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Please note for overseas travel insurance, the cover is only available to persons up to and including 80 years of age.
Hello Hyman,
Thanks for your enquiry.
To be eligible for BankSA credit card complimentary insurance, you must purchase at least $500 of your prepaid travel expenses – flights, accommodation, airport taxes, for example – on your eligible BankSA credit card, have a return travel ticket and be 80 or younger.
I hope I was able to answer your question
Cheers!
Chester
I have purchased air tickets to Bali for myself and my two grandchildren aged 13 and 14. All airfares have been charged to my Bank SA Platinum Visa. I was of the understanding that both myself and my grandchildren would be automatically covered for travel insurance. I have recently been told that my grandchildren would not be covered. Is this so? If they are not, can I purchase additional insurance for the grandchildren and what would the cost be.
Hi Christine,
Thanks for your inquiry!
Only dependent children are covered under this policy. Please view the eligibility requirements to ensure you are covered under the BankSA complimentary insurance.
You can also compare travel insurance policies for your grandchildren.
Please make sure to read the eligibility criteria, features and details of the policy, as well as the relevant Product Disclosure Statement PDS/T&C’s of the policy before making a decision and consider whether the product is right for you. If necessary, speak to the insurance brand to verify any details.
Cheers,
Jonathan
A delayed domestic flight caused us to miss a connecting flight with the same airline. They did not have another flight vacancy that day so were forced to fly with another airline resulting in paying premium rates
Hi Herman,
Thanks for your comment.
If this occurred in Australia or overseas and the delay was six hours or longer (four hours if within Australia), then you may be eligible to have your meal costs reimbursed but not your flight costs.
I hope this has helped.
Thanks,
Elizabeth