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Bankwest credit card complimentary travel insurance

Wondering what cover you get with Bankwest credit card complimentary travel insurance? Here’s what you need to know and how to make a claim.

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Bankwest Platinum and World Mastercard credit cards offer complimentary overseas travel insurance, which is provided by Cover-More Australia. You can also get access to a range of other insurance covers on different Bankwest credit cards.

Like any insurance policy, there are terms and conditions you need to meet to get the cover and have your claims approved. The insurance policy booklet has complete details, so it's always good to keep that handy. But if you just want a snapshot of what cover you'll get, we've got the key details here.

Which Bankwest credit cards have complimentary travel insurance?

If you don't have a Bankwest credit card yet, you can get complimentary travel insurance with a new Platinum or World Mastercard credit card. These are the personal cards you can currently apply for that offer insurance:

CardInternational travel insuranceTransit accident insuranceInterstate flight inconvenience insurancePurchase securityExtended warranty insurancePrice guarantee
Bankwest More Platinum Mastercard
Bankwest More World Mastercard
Bankwest Qantas Platinum Mastercard
Bankwest Qantas World Mastercard
Bankwest Breeze Platinum Mastercard
Bankwest Zero Platinum Mastercard

Have a question or need to make a claim right now? Call Cover-More on 1300 468 340 (from Australia) or +61 2 8907 5061 (from overseas).

What's covered by Bankwest complimentary overseas travel insurance?

With Bankwest credit card travel insurance, an eligible Platinum or World Mastercard automatically gives you access to cover for overseas emergency medical and hospital expenses, baggage and personal goods, accidental death and personal liability. If you have a World Mastercard, you'll also get included cover for additional expenses and cancellation costs (in specific circumstances).

You can also choose to pay a premium for upgraded benefits. Here, we've broken down the key options for included and upgraded benefits, with an example of a situation when you could make a claim.

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

BenefitAn example of when you'd use thisClaim limit for people up to 80 years of ageExcess payment (per claim)
Overseas emergency assistance

Note: This benefit has sub-limits for hospital incidentals, assault requiring hospitalisation and emergency dental costs, which we have listed separately in this table.

If you become seriously sick or injured overseas and have to pay for ambulance transport and medical attention.Unlimited$250
Hospital incidentals

Note: This benefit is a sub-limit of Overseas emergency medical and hospital expenses.

If you're in hospital for more than 48 hours because of a relevant health issue, this allowance helps cover some of the extra costs.Up to $100 per person, per day, up to $15,000 total

Note: Any claims for dependants will come out of the limit for the cardholder and/or their spouse.

Assault requiring hospitalisation

Note: This benefit is a sub-limit of Overseas emergency medical and hospital expenses.

If you're attacked and need to be treated at a hospital. Note that you need a written police report to make a claim and also need to be eligible to make an overseas emergency medical claim.$500 per person$0
Overseas emergency dental expenses due to sudden, acute pain

Note: This benefit is a sub-limit of Overseas emergency medical and hospital expenses.

If you're overseas and have to see a dentist about pain after being seriously injured.Up to $2,000 per person$0
Accidental deathIf you are injured overseas and die because of that injury within 12 months of when it happened. Or if the plane or boat you're travelling on disappears and you're declared dead within 12 months.$25,000 per cardholder

$25,000 per spouse

Personal liability

Note: This cover is not available if the issue relates to family, people travelling with you or people employed by you.

If you're involved in an accident and become legally liable to pay compensation for someone else's injuries or damaged property, this helps cover the legal costs.Up to $2.5 million$0
Baggage and personal goodsIf you're travelling and your bag is stolen while you're carrying it with you.Cameras, video cameras, laptop and tablet computers, mobile and smart phones: Up to $3,500 per item

Prescription medication: Up to $500

Other covered items: Up to $2,000 per item

If items are found after you submit a claim and can be returned by post: Up to $500 for postage costs


Upgraded benefits for overseas travel insurance with a Bankwest Platinum or World Mastercard credit card

With Bankwest credit card complimentary overseas travel insurance, you can get cover for other types of situations by paying a premium to upgrade your policy. The premium cost depends on your policy upgrades, and you'll be issued with a certificate of insurance to show the upgraded benefits.

BenefitAn example of when you'd use thisClaim limit for people up to 80 years of ageExcess payment (per claim)
Additional period of coverIf you're planning a trip that's more than 31 days with a Bankwest Platinum card, or more than 6 months with a Bankwest World Mastercard.Bankwest Platinum cards: Up to 3 extra months of cover

Bankwest World Mastercards: Up to 12 months of cover

$0 but a premium for extending the cover may apply
Existing medical conditions coverIf you have an existing medical condition that's not automatically covered, you can apply to get cover.N/A - limits are based on the benefit limits for any claims you make.$0 but a premium for extending the cover may apply
Additional expenses

Note: This benefit is automatically included for Bankwest World Mastercard credit cards, without the need to upgrade cover.

If you or a companion is injured to the point of incapacity, you could claim for extra accommodation or travel costs.Unlimited$250
Cancellation (specific situations only, see exclusions for full details)

Note: This benefit is automatically included for Bankwest World Mastercard credit cards, without the need to upgrade cover.

If the plane you were travelling on had an unexpected mechanical breakdown that meant your travel plans were cancelled, rescheduled or rearranged, you could submit a claim under this benefit to cover the cost of making other arrangements. This includes financial reimbursement, as well as cover for frequent flyer points, air miles, loyalty card rewards and relevant vouchers used to book the trip if they can't be recovered in any other way.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 per person (or less if the commission booking fee is lower)

Special eventIf your transport is delayed or cancelled and it means you wouldn't make it to a conference, wedding or major event, this helps cover the cost of reasonable travel expenses to get you there on time.Up to $3,000$250
Rental vehicle excessIf your overseas rental car is stolen or involved in an accident and the hire company agreement includes an excess that you need to pay, this cover can help with the cost. Or, if an event covered by the insurance stops you returning the vehicle, you could make a claim.Up to $3,000 for a cardholder or spouse$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.

If you're kidnapped while travelling and need to pay a ransom.Up to $250,000$0
Hijack and detentionIf the plane, bus, train, ferry or taxi you were travelling in was hijacked and you were detained for more than 12 hours, this cover would apply for each day you are held captive (up to the limit listed).Up to $100 per person per 24 hours ($20,000 max)$0
Baggage delayIf your luggage is delayed for more than 12 hours, you can get reimbursed for essential items you need to buy during that time.

Note: If the airline or carrier is at fault and you get compensation through them, you can only claim this benefit if you were not reimbursed for the full amount.

Up to $600 per cardholder, with a maximum claim limit of $1,200 when travelling with covered family.$0
Travel documents, transaction cards and traveller's chequesIf your passport is lost or stolen and you have reported it to the local police within 24 hours, you could claim the fees for reissuing it.

Note: You need to report a loss or theft to relevant authorities within 7 days to claim under this benefit.

Up to $600 per cardholder, with a maximum claim limit of $1,100 when travelling with covered family.$0
Travel delayIf a flight was delayed by 6 hours or more and the airline didn't offer compensation, you could claim food, accommodation or other eligible expenses.

Note: Excludes delays due to acts of terrorism or financial insolvency.

Up to $475 per cardholder, or $1,100 for a cardholder travelling with covered family.$0
Domestic pets (additional kennel or boarding costs in Australia)If your return home is delayed for a covered reason and it means you have to pay extra boarding fees for your cat or dog that lives in Australia, you could make a claim under this benefit.Up to $50 per day, with a maximum limit of $1,000.$0
Overseas funeral, cremation or body repatriationIf you die overseas and there is a funeral or your remains need to be brought back to Australia. Note that only some causes of death are covered.Up to $15,000 per cardholder, or up to $30,000 when travelling with covered family members.$0
Travel services provider insolvencyIf an airline you're travelling with becomes insolvent and you need to rearrange or cancel your travel plans.

Note: This benefit does not cover the insolvency of travel agents and booking companies. You also must have booked the travel before leaving Australia.

Up to $5,000 per cardholder, or up to $10,000 when travelling with covered family members.$250
Resumption of journeyIf a relative in Australia unexpectedly dies or goes to hospital when you're travelling and you have gone back to Australia to see them, you could submit a claim to cover the cost of an economy flight that would let you resume your trip (within 30 days).

Note: Any issues related to pre-existing conditions will not be covered.

Up to $5,750 per cardholder, or up to $15,000 when travelling with covered family.$250
Loss of incomeIf you're injured overseas, get treatment, experience disability for at least 30 days and the disablement continues for 30 days after you return to Australia, then lose your income because of it.Your verified income, up to $1,000 per person per week for a cardholder or spouse, limited to 12 consecutive weeks and a maximum of $12,000 per cardholder or spouse.$0

Want to upgrade your policy? Call Cover-More on 1300 468 340 or request upgraded cover through the Bankwest app or website.

What's not covered?

Every insurance policy has details of when you will and won't get cover. These details can be very specific, which is why it is important to always check your insurance policy documents.

To give you an idea, here are some of the key things you won't be covered for with Bankwest credit card complimentary international travel insurance:

  • Epidemics and pandemics
  • Existing medical conditions if they're not covered by the included or upgraded policy
  • If you don't follow advice from any government, official body or mass media announcements (for example, Do Not Travel advice)
  • 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 (also includes getting new tattoos and piercings)
  • If you're a crew member or pilot of any of the transport
  • 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?

No, coronavirus (or COVID-19) is not covered by this policy. Cover-More says on its website that "If you have travel insurance with Cover-More via your credit or debit card, this event (i.e. COVID-19) is excluded and there is no cover."

This basically means that you won't be able to make a claim for any issue that's directly or indirectly related to coronavirus. If you want to know if this cover is enough for your trip, you could call Cover-More on 1300 468 340. Or, check out travel insurance options that specifically cover COVID-19.

If you need cover for a skiing trip, bungy jumping or other overseas adventures, check out adventure sport travel insurance costs and conditions.

What do I need to do to use Bankwest's credit card international travel insurance?

If you're planning a trip and want cover through your Bankwest credit card, you'll need to meet the following requirements:

  • Travel. You need to be travelling overseas.
  • Credit card. You need to have an eligible Bankwest credit card that is active and in good standing at the time you want to make a claim under this cover.
  • Age. You can use this cover if you're aged 80 or under at the time you meet the rest of these requirements. If you're over 80, you won't get cover for any claims relating to your health or other medical issues, but could get limited cover for other issues.

Does Bankwest credit card travel insurance cover family members?

Yes, if you meet the eligibility requirements for cover, your spouse and dependants (children) can get cover under this policy when they're travelling with you for the entire trip.

Keep in mind that they also need to meet all the other conditions of the insurance policy.

Length of cover

The length of cover you can get depends on your Bankwest card and whether you get upgraded cover. Here are the key details:

  • Bankwest Platinum credit cards: Up to 31 days in a row for included cover and up to 3 months for upgraded cover.
  • Bankwest World Mastercard credit cards: Up to 6 months in a row for included cover and up to 12 months for upgraded cover.

Existing medical conditions

Bankwest's complimentary credit card international travel insurance automatically covers a limited number of existing medical conditions (also referred to as pre-existing medical conditions by other insurance companies).

Existing conditions that are covered include:

  • ADHD
  • Carpal tunnel syndrome
  • Coeliac disease
  • Diabetes
  • Hay fever
  • Hypothyroidism
  • High blood pressure
  • Pregnancy up to 24th week

To get automatic cover for any of the listed conditions, you need to be aged 79 or younger, with no hospitalisation in the last 12 months that relates to the condition. Before you travel or get a certificate of insurance, you also cannot have had surgery involving any joints, the back, spine, brain or abdomen requiring at least an overnight stay in hospital for the condition.

Some existing medical conditions also have other requirements. For example, with diabetes, you need to be aged 50 or under and have been diagnosed at least 6 months before your trip. You also can't have any known cardiovascular disease, or any related kidney, eye or neuropathy complications.


Check the requirements for cover if you have any existing medical condition. The Bankwest Credit Cards Insurance booklet has a full list of pre-existing medical conditions that can be covered under this policy, starting on page 45.

Cover options for other existing medical conditions

If you have an existing medical condition that's not automatically covered, or one that doesn't meet the requirements listed for cover, you can apply for cover by completing a health assessment before your trip.

Just call Cover-More on 1300 468 340, or log in to your Bankwest account to find details about applying for cover.

Note: If your pre-existing medical condition is approved for cover, you will need to pay a premium, which Cover-More will advise you of at the time. After that, you'll be issued with a certificate of cover for your trip.

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.

How to make a claim through your Bankwest credit card complimentary international travel insurance policy

If you think you will need to make a claim, contact Cover-More as soon as possible so that it can give you specific information.

You can do this by calling 1300 468 340 in Australia or +61 2 8907 5061 from overseas. The simplest way to claim is online, using the following steps:

  1. Go to https://claims.covermore.com.au/BW/TravelClaims
  2. Click on "Create a new claim".
  3. Fill in the details on the claim form and upload your supporting documents.
  4. 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.

What to include in your claim

With insurance claims, it's always good to include as much detail and supporting documentation as possible. It makes it easier for the insurer to look at the claim and your eligibility for a payout.

So when you're travelling overseas with this cover, try to get as much written or photo evidence as you can for any claim you need to make. This could include:

  • A referral or letter from a doctor or other professional you see in relation to a claim
  • Official medical reports
  • Police reports
  • Photos of damaged items
  • Emails or letters from airlines that relate to a claim
  • Receipts or other proof of purchase

When you fill in the online claim form, you'll also be asked for some key personal details, including part of your Bankwest credit card number (to confirm you're eligible for cover).


Use a travel wallet or 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 future claims.

Other types of Bankwest complimentary credit card travel insurance

Transit accident insurance

  • What is it? Cover for accidents that happen when you're travelling overseas on a plane, train, tour bus or other eligible vehicle. You also get cover for related accidents that happen when you're boarding or leaving the transport.
  • When can I use it? If you have paid for the entire trip with your eligible Bankwest credit card before you leave. Your partner and dependants will also get cover if they're travelling with you for the whole trip and their trip was also paid for with your Bankwest card.
  • 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. This can include costs relating to cancelled return flights, flight delays of 4 hours or more, delayed or lost luggage and funeral expenses.
  • When can I use it? If you use your eligible Bankwest credit card to pay for the entire cost of your return interstate flight. Your partner and dependants will also get cover if they're travelling with you for the whole trip and their trip was also paid for with your Bankwest card.
  • Is there an excess cost? There is a $250 excess per claim for claims relating to loss of or damage to personal goods and cancellation. There is no excess for other claims under this cover.

How to make a claim under one of these policies

Call Cover-More on 1300 468 340 in Australia or +61 2 8907 5061 from overseas.

You can also download a claim form from https://claims.covermore.com.au/BW/TravelClaims, fill it out and email it to bankwestclaims@covermore.com.au or post it to the address listed in the insurance policy (page 26).

Bankwest credit card complimentary insurance for shopping

Bankwest credit cards give you access to other types of insurance, also provided by Cover-More. Below is a snapshot of the different types.

Purchase security insurance

  • What is it? Cover for the cost of a new item that is stolen, accidentally damaged or lost. It covers most household and personal items such as laptops, shoes, jewellery and glasses. Exclusions include second-hand items, perishables, cash, computer software, vehicles and household fixtures such as dishwashers.
  • When can I use it? If you use your eligible Bankwest credit card to pay for covered items, this insurance will apply for the first 90 days from when you get them. This cover is available for personal items bought anywhere in the world. If the item was a gift for someone else, that person needs to be a permanent Australian resident for the cover to apply.
  • How can I make a claim? You need to show proof that you own the item and proof that you reported the loss, theft or damage to the local police or relevant authorities (such as the office of a transport company) within 7 days. Then, call Cover-More on 1300 468 340 or submit your claim through the Cover-More online claim portal.
  • Is there an excess cost? Yes, $250 per claim. There are also maximum claim amounts for different items.

Extended warranty insurance

  • What is it? Cover that doubles the manufacturer's warranty for items bought in Australia, up to a maximum period of 12 months. For example, if you bought a laptop with a 12-month manufacturer's warranty and it stopped working for no reason after 12 months, you could make a claim under this cover.
  • When can I use it? If you used your eligible Bankwest credit card to pay for an item worth up to $10,000 and it came with an Australian manufacturer's warranty of between 7 days and 5 years. You can make a claim if something happens after the original warranty period has ended.
  • How can I make a claim? Call Cover-More on 1300 468 340 or submit your claim through the Cover-More online claim portal.
  • Is there an excess cost? Yes, $250 per claim. There are also maximum claim amounts for different items.

Guaranteed pricing scheme

  • What is it? If you buy something and then see it being sold for less somewhere else within 21 days, you could use this cover to make up the difference in price. For example, if you paid $300 for a pair of shoes and saw them advertised for $200 a week later, you could claim the $100 difference.
  • When can I use it? If you bought something in a store (not online) with your eligible Bankwest credit card and then saw a catalogue advertising it for at least $75 less than what you paid for it. You need to see the cheaper price within 21 days from when you bought it and the catalogue needs to be for a store within 25km of where you bought the item.
  • How can I make a claim? Call Cover-More on 1300 468 340 or submit your claim through the Cover-More online claim portal within 30 days of your original purchase.
  • Is there an excess cost? There is no excess but the maximum amount you can claim for any item is $1,000.

Don't have complimentary insurance on your credit card yet? Compare Bankwest credit cards or other cards that offer insurance.

Frequently asked questions

How do I activate my Bankwest travel insurance?

If you have a Bankwest credit card with complimentary international travel insurance, your included cover will automatically be activated when you go overseas.

If you want the upgraded cover, you'll need to apply through your Bankwest account or by calling Cover-More on 1300 468 340 and pay the premium outlined by Cover-More.

Just keep in mind that you also need to be aged 80 or under to get full cover and also meet the other requirements listed in the insurance policy document.

Can I get proof of my cover?

Yes, you'll be issued with a certificate of insurance if you get upgraded cover. If you need proof for the included cover, call Cover-More on 1300 468 340 to see what your options are.

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121 Responses

  1. 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,

  2. 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.


  3. 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.


  4. 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


  5. 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
      jonathan.chan@findercrew.comMay 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,

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