Bankwest Credit Card Complimentary Insurance
Learn how you and your family can get insurance for your next holiday with a Bankwest credit card.
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Bankwest has a range of credit cards that offer complimentary overseas travel insurance. Provided through Cover-More, this benefit gives you access to cover for hospital and medical expenses, loss and theft of luggage and personal belongings and more. If you're travelling with your spouse or dependent children, they can also get cover through the policy when they meet the eligibility requirements.
Read more about Bankwest complimentary overseas travel insurance and find out how to make a claim on this page.
Changes as of 9 December 2019
Bankwest made changes to its complimentary overseas travel insurance on 9 December 2019. The updated policy details and eligibility requirements are available in this guide, Finder's product reviews and at bankwest.com.au. As a brief overview, there is no longer a minimum spend criteria, some of the benefits have changed and you have the option to upgrade your cover. Additionally, the included coverage period decreased from 3 months to 31 days (for Gold cards), from 6 months to 31 days (for Platinum cards) and from 12 months to 6 months (for World cards).
Bankwest Credit Cards that offer complimentary insurance
Which cards offer complimentary travel insurance?
These Bankwest credit cards offer complimentary overseas travel insurance when you meet the eligibility conditions.
|Bankwest Gold Mastercards (existing customers only)||Bankwest Platinum and World Mastercards|
|Important: Note that Bankwest Gold credit cards are no longer available for new customers.|
What are the eligibility requirements?
You’re automatically covered by this travel insurance when you meet the following eligibility criteria:
- You are under 80 years of age.
- You are travelling to an overseas destination.
- You hold an eligible credit card at the time of loss (when the claim event occurs). Eligible credit cards include a Bankwest Gold, Platinum or World Mastercard that has been activated and is not cancelled or suspended.
Your spouse and children are also eligible for cover if they meet these eligibility requirements and are travelling with you for your entire journey.
How do I know if I’m covered and what I’m covered for?
If you have a Bankwest credit card that offers complimentary overseas insurance, the Cover-More policy will provide you with cover for the following expenses and events:
- Hospital expenses and emergency surgery treatment
- The cost of replacing lost or stolen personal belongings
- Personal liability (if you're involved in an accident and you are legally required to pay compensation)
- Accidental death
If you have a Bankwest World Mastercard, you will also get cover for the following:
- Cancellation costs
- Additional expenses
If you want the above benefits and have a Gold or Platinum card, you can pay to upgrade your policy. An upgraded policy gives you access to the following forms of cover:
- Cancellation costs
- Travel delay expenses
- Baggage delay expenses
- Additional expenses
- Unexpected travel costs that you may have to pay in order to arrive for a special event
- Rental vehicle excess insurance
- Boarding costs for pets if your return to Australia is delayed
- Travel services provider insolvency
- Resumption of journey
- Loss of income
- Travel documents, cards, travellers cheques and cash
- Extended cover
Note that pre-existing medical conditions are not covered, but you can apply to add them to your policy (for a premium). It's also important to be aware that that people over 80 years of age are not eligible for medical cover or claims relating to their health under this policy. Instead, you may want to compare travel insurance that offers higher age limits.
When you meet the eligibility requirements, your cover will start from the date of departure that’s listed on your return travel ticket and ends when you get home or the cover period finishes, whichever is earlier. Bankwest Gold and Platinum Mastercard customers get up to 31 consecutive days of insurance and World Mastercard customers get up to 6 consecutive months of insurance.
How do I make a claim?
You can make a claim online from anywhere in the world by visiting the Cover-More online claims portal.
If you would prefer to make a claim over the phone, you can call Cover-More on +61 2 8907 5615.
If you are in Canada, New Zealand, the UK or the US, you can also call Cover-More Australia direct and toll-free from the following numbers:
- Canada: 1833 567 5339
- New Zealand: 0800 735 915
- UK: 0808 234 1925
- US: 1833 567 5339
Depending on your situation they will be able to advise the best course of action. This may include:
- Completing a written loss report.
- Providing any necessary documentation to support your claim
- Submitting the written loss report to Cover-More.
What details do I need to provide for a claim?
You will be asked to provide a range of different documents and information for each claim. This can include:
- Your policy number (if you have requested a certificate of insurance or upgraded cover)
- Your eligible credit card details
- Your personal details
- Copies of credit card statements
- Tax invoices for your travel itinerary
- Receipts for item(s) being claimed against
- Police reports
You may also be required to submit other documentation depending on your claim. If you're claiming for travel delays, for example, you may need to provide flight bookings or travel agent's bookings. For stolen items, on the other hand, Cover-More may request a copy of a police report relating to the incident.
Aim to provide as much information as possible and follow any advice or requests from Cover-More to ensure a smoother process.
Tip: Take a copy of the insurance policy with you
Cover-More recommends you take a copy of the credit card product disclosure statement or insurance policy booklet with you when you travel. This way you can refer to cover details and claim requirements as needed – and can contact Cover-More if you need help while you're away. It’s also a good idea to keep electronic copies of your travel tickets and invoices too.
What insurances am I covered under?
This table shows an overview of the benefits available through Bankwest’s complimentary overseas travel insurance.
|Benefit||Cover limit (Up to)||Excess|
|Emergency medical and hospital expenses (must be under 80 years of age to be eligible)||Unlimited, with the following sub-limits:||$250|
|Emergency dental (must be under 80 years of age to be eligible)||$2,000 per person||$0|
|Damage and loss to belongings||$250|
|Personal legal liability||$2,500,000||$0|
|Accidental death, not covered under Transit Accident Insurance policy||$0|
|Baggage delay expenses||$600 cardholder only (up to $1,200 for cardholder travelling with family)||$0|
|Travel documents, travellers cheques, credit cards, cash||$600 cardholder only (up to $1,100 for cardholder travelling with family)||$0|
|Continuing your trip after the death of a relative (resumption of journey)||$5,750 cardholder only ($15,000 per family)||$250|
|Travel service provider insolvency||$5,000 cardholder only ($10,000 per family)||$250|
|Special event travel arrangements||$3,000 to make alternate arrangements to get to a one-off special event||$250|
|Rental vehicle excess cover||$3,000||$250|
|Travel delay to cover expenses for food and accommodation after 6 hours||$475 cardholder only ($1,100 per family)||$0|
|Funeral expenses||$15,000 cardholder only (up to $30,000 per family)||$0|
|Loss of income due to injury on a trip||$1,000 per cardholder/spouse per week capped at 12 weeks||$0|
|Making boarding arrangements for domestic pets||$50 every 24 hours capped at $1,000||$0|
|Hijack and detention||$100 per person every 24 hours capped at $20,000||$0|
|Kidnapping and ransom||$250,000||$0|
What does excess mean?
Note: An excess in insurance is basically the amount you must pay towards any claim that you make.
What about exclusions?
As with any insurance policy, there are situations when you may not be eligible for cover. Full details of these exclusions are detailed in the insurance policy booklet, available on the Bankwest website. But to give you an idea of some of the scenarios when you won't be covered, below are some examples that relate to the medical and hospital cover:
- Sickness or injury requiring treatment from a pre-existing medical condition
- Dental treatment resulting from precious metals in your mouth, i.e. fillings
- Sickness or injury from taking an illicit drug
This international travel insurance policy has a number of other exclusions. For example, some winter sports and popular adventure sports such as rock climbing are not covered by Cover-More, so you may want to find the right level of cover for you. Contact Cover-More on 1300 468 340 for information specific to this cover.
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