What you need to know:
- Bankwest credit cards offer comprehensive international travel insurance for trips of up to 31 days with a Platinum card and up to 6 months with a World Mastercard.
- You don't need to activate this insurance to get cover for an overseas trip
- You can pay a premium to extend your cover and/or get more cover for issues including cancellation, rental vehicle excess insurance and existing medical conditions.
- Your spouse and dependants travelling with you can also get cover, but there are some requirements and exclusions.
Have a question or need to make a claim right now? Call insurance provider Cover-More on 1300 468 340 (from Australia) or +61 2 8907 5061 (from overseas).
This guide is based on details in the Bankwest credit card insurance information booklet, effective 24 August 2022 (pdf
). This was the current version when we updated this guide, but you can also check for updates on the Bankwest website
- Have an active, eligible Bankwest credit card in your name at the time of the incident (e.g. when you're overseas and need to make a claim).
- Make sure you'll be under 80 years of age when you start your overseas trip and/or when you get a Certificate of Insurance.
- Travel overseas from Australia.
- Make sure the length of your trip meets the following cover requirements:
- Bankwest Platinum Cards: Up to 31 days in a row for included cover and up to 3 months for upgraded cover.
- Bankwest More World Mastercard credit cards: Up to 6 months in a row for included cover and up to 12 months for upgraded cover.
- Optional: Request and pay the premium if you want to extend the length of the cover or if you have a platinum card and want access to upgraded cover benefits including cancellations, car rental excess cover and baggage delays.
The cover is automatically available to you and eligible family members when you meet these requirements. If you need further details or want confirmation of cover, go to the insurance section of the Bankwest app or call Cover-More on 1300 468 340.
Here, we've broken down the key options for different types of claims and situations. But remember: you should always read the insurance policy booklet for complete details of the cover.
Included complimentary overseas travel insurance for Platinum and World Mastercard credit cards
|Overseas emergency medical and hospital expenses|
Note: This benefit has sub-limits for hospital incidentals, assault requiring hospitalisation and emergency dental costs, which we have listed separately in this table.
|Hospital incidentals (sub-limit)||Up to $100 per 24 hours, with a maximum of $15,000 total||$0|
|Assault requiring hospitalisation (sub-limit)||$500 per person||$0|
|Overseas emergency dental expenses (sub-limit)||Up to $2,000 per person||$0|
|Accidental death||$25,000 per cardholder|
$25,000 per spouse
Note: This cover is not available if the issue relates to family, people travelling with you or people employed by you.
|Up to $2.5 million||$0|
|Baggage and personal goods (accidental damage, theft and loss)||Up to $20,000 for a cardholder or $30,000 when travelling with a spouse, with the following claim limits:|
Cameras, video cameras, computers, mobile and smart phones: Up to $3,500 per item
Other covered items: Up to $2,000 per item
More cover and upgraded benefits for overseas travel insurance
If you have a Bankwest Platinum credit card, you can pay a premium to upgrade your cover and get the benefits in this table.
Bankwest World Mastercard credit cards automatically include most of these benefits, so you would only need to pay a premium for an additional period of cover or to cover an existing medical condition.
|Additional period of cover||Bankwest Platinum cards: Up to 2 additional months of cover (for 3 months total cover)|
Bankwest World Mastercard credit cards: Up to 6 additional months of cover (for 12 months total cover
|Existing medical conditions cover (subject to application)||N/A - limits are based on the benefit limits for any claims you make||Based on the type of claim|
|Cancellation costs||Up to $15,000 per cardholder or up to $20,000 if travelling with covered family members, except:|
Travel agents' cancellation fees: Up to a maximum of $1,000 (less if the commission booking fee is lower)
|Special event||Up to $3,000||$250|
|Rental vehicle excess||Up to $3,000||$250|
|Kidnap and ransom|
Note: This cover does not apply for kidnapping in any country or waters located in Mexico, Central America or South America (south of the US), the Philippines or Somalia. It also doesn't apply if you've been kidnapped before.
|Up to $250,000||$0|
|Hijack and detention||Up to $100 per 24 hours ($20,000 max)||$0|
|Baggage delay expenses||Up to $600 per cardholder, with a maximum claim limit of $1,200 when travelling with family.||$0|
|Travel documents, traveller's cheques, credit cards and cash||Up to $600 per cardholder, with a maximum claim limit of $1,100 when travelling with covered family.||$0|
|Travel delay expenses||Up to $475 per cardholder, or $1,100 for a cardholder travelling with family.||$0|
|Domestic pets (additional kennel or boarding costs)||Up to $50 per 24 hours, with a maximum limit of $1,000.||$0|
|Overseas funeral, cremation or body repatriation||Up to $15,000 per cardholder, or up to $30,000 when travelling with family.||$0|
|Travel services provider insolvency||Up to $5,000 per cardholder, or up to $10,000 when travelling with family.||$250|
|Resumption of journey||Up to $5,750 per cardholder, or up to $15,000 when travelling with family.||$250|
|Loss of income||Up to $1,000 per week and a maximum of $12,000 per cardholder or spouse (based on your verified income)||$0|
Want to upgrade your policy? Call Cover-More on 1300 468 340 or request upgraded cover through the Bankwest app or website.
Some of the key things you won't be covered for with Bankwest credit card complimentary international travel insurance include:
- Epidemics and pandemics (except for claims related to COVID-19 in specific situations)
- If you don't follow the advice of a government or another official source (e.g. Do Not Travel warnings)
- If the issue is the result of substance abuse or non-prescription drugs
- Claims relating to elective medical, dental or cosmetic procedures you have when you're overseas (includes getting new tattoos and piercings)
- Dangerous activities including rock climbing (with equipment), white water rafting, bungy jumping, off-piste snowboarding or skiing and quad or motorbike riding on a vehicle that has an engine capacity of 200cc or more
Does Bankwest complimentary credit card travel insurance have coronavirus cover?
Yes, this policy offers cover for overseas emergency medical and hospital expenses if you are positively diagnosed with COVID-19 during your trip. But you won't get cover if you were diagnosed while on a multi-night cruise, or for other claims (such as cancellation costs)..
⚠️ Remember: Check the Bankwest credit card insurance booklet or call Cover-More on 1300 468 340 for more details about exclusions or COVID-19 cover.
If you need cover for a skiing trip, bungy jumping or other overseas adventures, check out adventure sport travel insurance costs and conditions.
This complimentary overseas travel insurance automatically covers a limited number of existing medical conditions when you meet the requirements. For any existing medical condition to be covered, you must:
- Be under 79 years of age
- Have not been hospitalised in the past 12 months for that condition
- Have not had surgery involving joints, your back, spine, brain or abdomen
if it required at least an overnight stay in hospital for the condition
Some existing medical conditions also have more specific requirements, including:
|Asthma||To get cover, you must:|
- Be under 60 years of age
- Have not smoked for at least 18 months
- Not need prescribed oxygen outside of a hospital
- Have no other lung condition or disease
|Diabetes/glucose intolerance||To get cover, you must:|
- Be under 50 years of age
- Have had your diagnosis for more than 6 months
- Not have had any complications in the last 12 months
- Have no kidney, eye or neuropathy complications
- Have no cardiovascular disease
|Hypertension (high blood pressure)||If you have no cardiovascular disease or diabetes|
|Single pregnancy up to 24 weeks||If there are no existing complications related to the pregnancy and the pregnancy was not medically assisted (e.g. through IVF)|
⚠️ Keep in mind: Every travel insurance policy has its own definition and requirements for existing medical conditions (also referred to as pre-existing conditions). For Bankwest credit cards, check the insurance booklet or call Cover-More on 1300 468 340.
What if I don't meet the requirements or have another existing medical condition?
You can apply for existing medical condition cover through the Bankwest app or by calling Cover-More on 1300 468 340.
If your request for cover is approved, you'll need to pay a premium. The cost will be advised at the time you apply, and you'll then be issued with a certificate of cover.
Otherwise, you won't get cover for any pre-existing conditions that cause issues.
Got a pre-existing health condition that's not covered? Check out travel insurance policies that offer cover for conditions including allergies, epilepsy and physical disabilities.
If it's an emergency, call Cover-More on +61 2 8907 5061 from overseas or 1300 468 340 in Australia. Then, submit a claim as soon as possible by following these steps:
- Go to https://claims.covermore.com.au/BW/TravelClaims
- Select "Create a new claim".
- Fill in the details on the claim form and upload your supporting documents.
- Use the "Save" button if you need to come back to the claim later.
You can also start the claim process by logging in to your Bankwest account.
Cover-More will contact you within 30 working days of submitting a claim.
What to include in your claim
With insurance claims, include as many details as you can. This makes it easier for the insurer to look at the claim and your eligibility for a payout. Some examples include:
- A referral or letter from a doctor or other professional you see in relation to a claim
- Photo evidence
- Police reports
Tip: Use a travel wallet or create an online folder to keep all your important documents together. This could include your passport, itinerary, printed tickets, a copy of the Bankwest card insurance policy booklet – plus anything that could become supporting documentation for claims.
Transit accident insurance
- What is it? Cover for accidents that happen when you're boarding, leaving or travelling overseas on a plane, train, bus, ferry or other eligible vehicle.
- When can I use it? If you have paid for the entire trip with your eligible Bankwest credit card before you leave.
- Is there an excess cost? No.
Interstate flight inconvenience insurance
- What is it? Cover for specific issues that come up when you're travelling to a different state or territory in Australia. For example, cancelled return flights, flight delays of 4 hours or more and delayed or lost luggage.
- When can I use it? If you use your eligible Bankwest credit card to pay for the entire cost of your return interstate flight and are travelling for no more than 14 days in a row.
- Is there an excess cost? There is a $250 excess for claims relating to cancellation and lost or damaged personal goods.
These Bankwest credit cards also give you access to other types of insurance for items you buy. Here's a basic explainer of each one:
- Purchase security insurance: Offers cover for up to 90 days when you buy an item with your eligible card and it's then stolen, accidentally damaged or lost. It covers household and personal items such as laptops, shoes, jewellery and glasses.
- Extended warranty insurance: Cover that doubles the manufacturer's warranty for items bought in Australia, up to a maximum period of 12 months.
- Price guarantee: If you buy something and then see it being sold for less somewhere else, you could claim the difference in price with this cover.
Don't have complimentary insurance on your credit card yet? Compare Suncorp credit cards or check out other cards that offer insurance.