Bankwest has a range of credit cards that offer complimentary international credit card travel insurance. This included benefit from Bankwest and Cover-More Insurance is also extended to your family if they’re travelling with your on your trip and they meet the eligibility requirements. That means you can get cover for hospital and medical expenses, loss and theft of luggage and personal belongings, delayed travel plans, time off work due to injury and more at no extra cost.
Read more about Bankwest complimentary international credit card travel insurance and find out how to make a claim on this page.
Changes as of 9 December 2019
Bankwest is making changes to its complimentary overseas travel insurance on 9 December 2019. You can find the new policy details and eligibility requirements at bankwest.com.au. As a brief overview, there is no longer a minimum spend criteria, some of the benefits have changed and you can now upgrade your cover. The included coverage period has also 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).
These Bankwest credit cards offer complimentary international credit card travel insurance when you meet the eligibility conditions.
You’re automatically covered by this travel insurance when you meet the following eligibility criteria:
- You are travelling to an overseas destination.
- You purchase a return travel ticket before leaving Australia.
- You spend at least $500 of your prepaid travel expenses with an eligible Bankwest credit card. Prepaid expenses include flights, airport taxes, tour bookings, hotel and hostel bookings.
You can also use Bankwest More Rewards points to pay for flights or purchase travel agent vouchers to get this complimentary international credit card travel insurance. Your spouse and children are also eligible for cover if they meet these eligibility requirements and are travelling with you for your entire journey.
Cover-More provides cover for these expenses and events:
- Hospital expenses and emergency surgery treatment
- The cost of replacing lost or stolen personal belongings
- Financial compensation if your travel plans are delayed
- Reimbursement if you have to make alternate travel plans to get to a one-off event
- Financial compensation if you’re injured overseas and can’t work when you get back home
Pre-existing medical conditions are not covered, but you can apply to add them to your policy. Bankwest Gold MasterCard customers get up to 3 consecutive months insurance, Platinum Mastercard customers get up to 6 consecutive months and World Mastercard customers get up to 12 consecutive months cover. 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.
- Call Cover-More on 1300 468 340 within 30 days of returning to Australia.
- Complete a written loss report.
- Provide any necessary documentation to support your claim
- Submit the written loss report to Cover-More within 30 days.
- Call Cover-More on +61 2 8907 5061. Depending on your situation they will be able to advise the best course of action.
Cover-More also has an online form that you can use to make a claim from anywhere in the world. Document requirements include:
- Copies of credit card statements
- Tax invoices for your travel itinerary
- Receipts for item(s) being claimed against
- Police reports
- Certificates of insurance
You may also be required to submit other documentation depending on your claim. Aim to provide as much information as possible and follow any advice or requests from Cover-More to ensure a smoother process.
Cover-More recommends you take a copy of the credit card product disclosure statement or insurance policy booklet with you when you travel. It’s also a good idea to keep electronic copies of your travel tickets and invoices too.
In the event of a claim, you’ll need to show proof of the pre-paid travel costs made on your Bankwest credit card, such as your credit card statement or travel ticket receipt. If you used Bankwest points to pay for your flights, you must provide the order confirmation number or dispatch order number from the travel agent.
Other document requirements vary depending on the type of claim you make. 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.
Note: An excess in insurance is basically the amount you must pay towards any claim that you make.
This table shows an overview of the benefits available through Bankwest’s complimentary international credit card travel insurance.
|Benefit||Cover limit (Up to)||Excess|
|Medical and hospital||Unlimited|
Bed care patient allowance $100 in 24 hours capped at $15,000
|Dental||$2,000 per person||$250|
|Damage and loss to belongings|
- World and Platinum Mastercard: $20,000 per person (up to $30,000 per family)
- Gold Mastercard: $10,000 per person (up to $15,000 per family)
|Unexpected cancellation of travel plan||Unlimited|
Travel agent’s cancellation fee is capped at the lesser of 15% of the value of the fee or $1,000
|Continuing your trip after the death of a relative||$5,750 per person ($15,000 per family)||$250|
|Travel service provider insolvency||$5,000 per person ($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|
- World and Platinum Mastercard: $3,000
- Gold Mastercard: $2,250
|Travel delay to cover expenses for food and accommodation after 6 hours||$475 per person ($1,100 per family)||$0|
- World and Platinum Mastercard: $15,000 per person (up to $30,000 per family)
- Gold Mastercard: $13,000 per person (up to $25,000 per family)
|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
|Personal legal liability||$2,500,000||$0|
|Loss of income due to injury on a trip||$1,000 per person 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 every 24 hours capped at $20,000||$0|
|Kidnapping and ransom||$250,000||$0|
Medical and hospital
The Cover-More emergency overseas medical benefit covers you for ambulance, hospital, dental, emergency surgery and evacuation costs if you become sick or get injured overseas. If you’re admitted to hospital as either an inpatient or an outpatient, you’re eligible for a bed care allowance to pay for any hospital extras.
Cover-More can even pay to send a relative or guardian to escort you back to Australia if it’s deemed necessary. The insurer will assess your individual situation and may recommend you return to Australia for medical treatment. If you refuse this advice, you will have to pay for your medical bills abroad.
Medical Travel Insurance
What’s not covered?
You’re not covered under this policy if you need medical treatment for any of the following:
- 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
- If you’re covered by another health or travel policy
- If your treatment is ongoing for more than 12 months
Loss and damage to personal belongings
Cover-More gives you cover against damage and theft for the following types of personal belongings:
- Clothing, bags, jewellery, toiletries: $5,550 per item
- Portable electrical equipment / binoculars: $5,500 per item
- Cameras: $5,500 per item
- Laptop computers: $1,000 per item
- Passports, travel documents, credit cards, cash and traveller’s cheques: $600 per item and $1,100 for a family
- Emergency replacement of clothes: $600 per person and $1,200 for a family
To claim for emergency replacement of lost clothing, you’ll need to supply a written letter from the airline where your luggage was lost. You’ll also need to provide receipts for the purchase of your new clothes. If you can’t show proof of ownership for lost or stolen items, the most Cover-More will pay is 10% of the cover limit.
Unexpected cancellation of travel arrangements
This benefit gives you cover if things out of your control send your travel plans into a spin. Natural disasters, political unrest and terrorism are some of the reasons flights and travel may be delayed. This benefit also provides compensation if your travelling companion becomes ill or dies.
- Resumption of your trip following the death of a relative. This benefit covers the cost of returning to Australia and then back to your destination if a relative dies. To make a claim, you must have completed less than 25% of your journey.
- Special event. If something happens on the way to a one-off event, this insurance provides compensation for the cost of arranging alternate travel plans.
- Rental vehicle excess. Covers the cost of rental vehicle insurance excess if you have an accident.
- Travel delay. For setbacks longer than six hours,Cover-More will pay for food and accommodation while you wait for your flight.
- Funeral expenses. Insurance to cover funeral expenses if you die on your trip.
- Accidental death. A benefit paid in the event of your, your spouse or dependent child’s accident death overseas. This doesn’t cover you for death from illness or disease.
- Legal liability. Money to pay for litigation if you’re legally liable for damage to another’s property or if you harm another person.
- Loss of income. If you’re injured on holiday and you can’t work when you get back to Australia, this benefit provides you with a monthly allowance for up to 12 months.
- Domestic pets boarding. You’re paid a benefit if you have to make different travel plans and you have to pay more to cater for a pet.
- Assault requiring hospitalisation. Provides compensation if you’re hospitalised because of a violent assault.
- Hijack and detention. A benefit that provides compensation i you’re hijacked while travelling in a public passenger vehicle.
- Kidnap and ransom. Reimbursement for money extorted in the event of a kidnapping.
What’s not covered?
Some common events and situations where Cover-More won’t pay a benefit include:
- Sickness or injury as a result of an uncovered pre-existing medical condition.
- Some pregnancy complications and mental illness such as dementia.
- If you don’t take reasonable care of your belongings. For example leaving your bags unattended in a public place or in a motor vehicle on the street overnight.
- Personal effects such as watches, iPads, laptops and mobile phones when the items are left in a car unattended are subject to benefit limits.
- Travel booked against medical advice, seeking medical treatment or if you’re terminally ill.
- If you ignore the advice of a government body or media advice.
- You engage in illegal or war like activities.
- If you or your spouse or dependent(s) decide to cut your journey short for whatever reason.
- Bookings made with unlicensed tour operators.
This international travel insurance policy has a number of 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.Back to top
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