Bankwest Complimentary Insurance Guide |

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 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

Data updated regularly
Name Product Bonus points Rewards program Rewards points per $ spent Purchase rate Annual fee
Bankwest Zero Platinum Mastercard
17.99% p.a.
Offers a $0 annual fee, 0% foreign transaction fees, complimentary international travel insurance and a balance transfer offer.
Bankwest Breeze Platinum Mastercard
10.99% p.a.
$0 annual fee for the first year ($69 p.a. thereafter)
Get 0% interest on balance transfers for 26 months, a $0 first-year annual fee, complimentary travel insurance and no foreign transaction fees.

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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.
  • Bankwest Qantas Gold. Maximum 31 days insurance
  • Bankwest Zero Gold. Maximum 31 days insurance
  • Bankwest Breeze Gold. Maximum 31 days insurance
  • Bankwest More Gold. Maximum 31 days insurance

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:

  1. Completing a written loss report.
  2. Providing any necessary documentation to support your claim
  3. 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.

BenefitCover 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:
  • Hospital incidentals: $100 every 24-hours, capped at $15,000 (nil excess)
  • Assault requiring hospitalisation: $500 (nil excess)
Emergency dental (must be under 80 years of age to be eligible)$2,000 per person$0
Damage and loss to belongings
  • World and Platinum Mastercard: $20,000 for the cardholder only (up to $30,000 for cardholder travelling with family)
  • Gold Mastercard: $10,000 cardholder only (up to $15,000 for cardholder travelling with family)
Personal legal liability$2,500,000$0
Accidental death, not covered under Transit Accident Insurance policy
  • World and Platinum Mastercard: $25,000 per cardholder/spouse
  • Gold Mastercard: $20,000 per cardholder/spouse
Cancellation costs
  • World Mastercard: $15,000 cardholder only (up to $20,000 for cardholder travelling with family)
Additional expenses
  • World Mastercard: Unlimited
Upgraded cover
Cancellation costs
  • Platinum and Gold Mastercard: $15,000 cardholder only (up to $20,000 for cardholder travelling with family)
Additional expenses
  • Platinum and Gold Mastercard: Unlimited
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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121 Responses

    Default Gravatar
    MurraySeptember 18, 2019

    I was recently holidaying in Darwin and had a relatively minor accident in my hire car (backed into a bollard). The rental company has since charged me $850 for repairs. Original payment for the rental was part of a travel package which I paid using my Bankwest platinum card. I didn’t purchase any extra insurance from the hire company. Is it worth me making a claim on my credit card insurance?

      Default Gravatar
      NikkiOctober 18, 2019

      Hi Murray,

      Thanks for your comment. I’m sorry to hear you were in an accident during your trip. That’s the last thing you would want to happen on your trip.

      Typically, a car hire excess insurance is imperative but optional insurance coverage for rentals. This will cover you for the excess you may be liable for in the event your hire car is stolen or damaged. Essentially, excess insurance is an additional insurance policy that will cover you against the excess charges.

      The Bankwest Credit Card Complimentary Insurance covers you for international travel insurance including the rental vehicle excess cover. There is no information on domestic travel – rental excess cover via their PDS. It would be best to contact Bankwest directly for further assistance.

      Hope this helps and feel free to reach out to us again for further assistance.

      With care,

      Default Gravatar
      NikkiSeptember 20, 2019

      Hi Murray,

      Thanks for getting in touch! “While we review Bankwest in our pages, it’s helpful to know that we are not directly affiliated with them. It would be best to check your Bankwest PDS and/or travel agent whether it’s covered. You can also contact the customer service support of Bankwest directly for further assistance.

      Hope this clarifies and we hope they find a quick resolution for you!

      With care,

    Default Gravatar
    DebDecember 11, 2018

    The Bankwest complimentary PDS has an exclusion if the rental vehicle is driven in violation of the terms of the rental agreement. If someone had an accident from breaking a simple road rule would that be considered a violation of the rental agreement?

      Avatarfinder Customer Care
      MayDecember 18, 2018Staff

      Hi Deb,

      Thanks for your question.

      Well, we can’t really say whether it is a violation or not as that would entirely depend on the type of road violation and on what was really outlined in the agreement or policy with the rental company. Best to revisit the agreement first or if possible contact the rental company to confirm this. But you are correct, you won’t be covered by your complimentary travel insurance with Bankwest credit card if you’re operating a rental vehicle in violation of the rental agreement.

      Hope this helps.


    Default Gravatar
    MariaNovember 16, 2018

    My husband has a Bankwest platinum credit card. Is he covered for full rental vehicle cover, including excess?

      Default Gravatar
      NikkiNovember 16, 2018

      Hi Maria,

      Thanks for getting in touch! The Bankwest Platinum Credit card covers Rental vehicle cover of $3000 and $250 for excess.
      Hope this was helpful. Don’t hesitate to message us back if you have more questions.


    Default Gravatar
    RobSeptember 20, 2017

    “Continuing your trip after the death of a relative”-does this cover the instance if one is required to change/bring forward ones flight and other arrangements for the death of a relative at the intended destination? i.e. I have not yet started my trip.

      Default Gravatar
      ArnoldSeptember 21, 2017

      Hi Rob,

      Thanks for your inquiry

      Yes, this does cover changes on your flight schedule and arrangements due to a death of a relative prior to the start of your trip.

      If you want to know how this works and what steps to take, please call Bankwest Insurance Hotline.

      Hope this information helps


    Default Gravatar
    MalcolmApril 28, 2017

    My wife is going on a short 4 day cruise. I intend paying for it on my Bankwest credit card which has complimentary travel insurance attached.
    The card is in my name and she will be the one travelling.
    My question is will she be covered?

      Default Gravatar
      ValJuly 2, 2017

      Does my Bankwest Platinum Mastercard complimentary travel insurance cover a 3 night sampler cruise departing & returning Sydney with no docking elsewhere?

      Avatarfinder Customer Care
      RenchJuly 2, 2017Staff

      Hi Val,

      Thanks for your inquiry. Please note that we are not affiliated with Bankwest or any company we feature on our site and so we can only offer you general advice.

      Traveling via cruise is covered provided that you have paid for your travel tickets using your Bankwest card.

      For Bankwest Platinum Mastercard cardholder, you will be covered if you:
      Spend at least $500 of your prepaid travel costs (includes the cost of return overseas travel ticket and/ or airport departure taxes; and/ or prepaid overseas accommodation/ travel; and/ or prepaid overseas itinerary items) by one or a combination of the following methods.

      Please contact Bankwest directly to confirm info and for further inquiries.


      Default Gravatar
      DebbiMay 23, 2017

      I am the additional card holder on my husbands credit card, I am travelling without him, am I entitled to travel insurance?

      Default Gravatar
      JonathanMay 24, 2017

      Hi Debbi!

      Thank you for the comment.

      As stated in the PDS of the Bankwest complimentary travel insurance, the “spouse and dependents” should be travelling with the primary cardholder for the entire journey and meet all the other eligibility criteria stated above. Otherwise, you may not get the complimentary travel insurance cover.

      Hope this answers your question.


      Default Gravatar
      LiezlApril 28, 2017

      Hi Malcolm,

      Thank you for your question.

      I’m afraid she’ll not be covered if she’s not travelling with you on the same itinerary for the entire journey. This is one of the eligibility criteria for this complimentary travel insurance. For more information on this travel insurance, you can refer to the PDS I have sent to your email.

      Best regards,

    Default Gravatar
    DianeMarch 1, 2017

    Does BankWest credit card travel insurance cover vehicle insurance excess in Australia?
    Also if pay for accommodation at beginning of holiday will that activate travel insurance as Airfares were paid for by another person.

      Avatarfinder Customer Care
      MayMarch 12, 2017Staff

      Hi Diane,

      Thank you for your inquiry.

      Unfortunately, the rental vehicle excess cover included in the Bankwest Credit Card Complimentary Insurance is only available for your trip overseas. You would also be eligible for the complimentary international travel insurance if you spend at least $500 of your prepaid travel expenses with an eligible Bankwest credit card and you meet all other criteria mentioned above.


    Default Gravatar
    SpeckFebruary 11, 2017

    What are frequent flyer points on Platum Card,how to use

      Avatarfinder Customer Care
      DeeFebruary 12, 2017Staff

      Hi Speck,

      Thanks for your question.

      We have different platinum credit cards on our panel and the rewards or frequent flyer points that you’ll earn with the card also differ.

      You may want to check the list of platinum credit cards on our website and check what frequent flyer points you can earn with each card.

      Open that link and you’ll find a table that helps you compare platinum credit cards based on various details aside from the frequent flyer program they come with. If you wish to learn more or want to know how to use them, select the “More info” link found on the same table. Once you’re done comparing, you can then select the “Go to site” button to be redirected to your chosen provider’s official website.

      I recommend that you check the details of the credit card you’re interested in, its eligibility criteria as well as the Product Disclosure Statements/Terms and Conditions before you apply.

      Also if you can, contact first the issuing bank and discuss your options and chances of approval before you send anything final for your application. Just apply for one credit card at a time and ensure your eligibility before submitting your final application. This way you can avoid credit enquiries on your file.

      I hope this helps. Should you have further questions, please don’t hesitate to reach out again.

      Have a wonderful day!


    Default Gravatar
    SpeckFebruary 11, 2017

    Does our age make any difference to the insurance cover with platinum card holder

      Avatarfinder Customer Care
      MayFebruary 15, 2017Staff

      Hi Speck,

      Thank you for your question and for contacting – we financial comparison website and general information service designed to help consumers make better decisions. Please note that we are not affiliated with any company we feature on our site.

      No, there is no age limit to be covered by Bankwest credit card complimentary travel insurance. Please note though that limits apply for pre-existing medical conditions.


    Default Gravatar
    GaryDecember 31, 2016

    Hello. Do I need to notify Bankwest of the dates I am travelling and where I am travelling to? If not, I assume that the insurance cover automatically commences from the date that I purchased the overseas flight ticket with my Bankwest Zero Platinum Mastercard. Could you please confirm. Thanks.

      Avatarfinder Customer Care
      JasonDecember 31, 2016Staff

      Hi Gary,

      Thank you for your enquiry.

      You’ll be automatically covered by the BankWest credit card complimentary insurance once you meet the eligibility criteria outlined on this page under the subheading, “What are the eligibility requirements?”

      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 return home or when the cover period finishes.

      Kind regards,

    Default Gravatar
    BeverleyJune 28, 2016

    My husband and I have a platinum credit card each but he is the main cardholder for the account. I have booked a holiday and car hire using wife’s card. Will I still be covered for travel and excess car insurance as he isn’t travelling with me?

      Avatarfinder Customer Care
      MayJuly 22, 2016Staff

      Hi Beverley,

      Thanks for your inquiry.

      Sorry for the delayed reply. Just to confirm, you’ve come through to we are an Australian financial comparison website and general information service, not actually Bankwest.

      According to the Bankwest PDS Complimentary Credit Card Travel Insurance, the insurance is available to “eligible cardholders” that include an “additional cardholder.”

      So, if you are the ‘additional cardholder’ of your husband’s Bankwest credit card account and have purchased your ticket and prepaid travel costs for at least AU$500 using your Bankwest credit card (additional card) before leaving Australia, then you’re eligible for the international travel insurance including the rental vehicle excess cover – that is even if your husband is not travelling with you.

      Hope this has helped.


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