Overseas travel insurance for the family

Bankwest Credit Card Complimentary Insurance

Information verified correct on April 30th, 2017

Learn how you and your family can get insurance for your next holiday with a Bankwest credit card.

Bankwest has a range of credit cards that offer complimentary international credit card travel insurance. This included benefit from Bankwest and Allianz 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.

Which cards offer complimentary travel insurance?

These Bankwest credit cards offer complimentary international credit card travel insurance when you meet the eligibility conditions.

Bankwest Gold MasterCardsBankwest Platinum and World MasterCards
Important: Note that Bankwest Gold credit cards are no longer available for new customers.

Back to top

What are the eligibility requirements?

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.

How do I know if I’m covered and what I’m covered for?

Allianz 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.

How do I make a claim?

In AustraliaOverseas
  1. Call Allianz on 1800 785 918 within 30 days of returning to Australia.
  2. Complete a written loss report.
  3. Provide any necessary documentation to support your claim
  4. Submit the written loss report to Allianz within 30 days.
  1. Call Allianz Global Assistance on +61 7 3305 7499. Depending on your situation they will be able to advise the best course of action.
Back to top

Allianz online claims

Allianz 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 Allianz to ensure a smoother process.

Documents to have on hand

Allianz 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, Allianz may request a copy of a police report relating to the incident.

What does excess mean?

Note: An excess in insurance is basically the amount you must pay towards any claim that you make.

What insurances am I covered under?

This table shows an overview of the benefits available through Bankwest’s complimentary international credit card travel insurance.

BenefitCover limit (Up to)Excess
Medical and hospitalUnlimited
Bed care patient allowance $100 in 24 hours capped at $15,000
$250
Dental$2,000 per person$250
Damage and loss to belongingsWorld 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)
$0
Unexpected cancellation of travel planUnlimited
Travel agent’s cancellation fee is capped at the lesser of 15% the value of the fee or $1,000
$250
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 coverWorld and Platinum MasterCard: $3,000
Gold MasterCard: $2,250
$250
Travel delay to cover expenses for food and accommodation after 6 hours$475 per person ($1,100 per family)$0
Funeral expensesWorld 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)
$0
Accidental death, not covered under Transit Accident Insurance policyWorld and Platinum MasterCard: $25,000 per cardholder/spouse
Gold MasterCard: $20,000 per cardholder/spouse
$0
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
Back to top

Medical and hospitalA doctor taking care of a senior woman in a hospital

The Allianz 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.

Allianz 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

personal-belongings

Loss and damage to personal belongings

Allianz 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: $5,500 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 Allianz will pay is 10% of the cover limit.
Unexpected cancellation of travel arrangements

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.

Other benefits

  • 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, Allianz 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 Allianz 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 Allianz, so you may want to find the right level of cover for you. Contact Allianz on 1800 785 918 for information specific to this cover.

Back to top
Was this content helpful to you? No  Yes

Related Posts

ANZ Platinum Credit Card - Exclusive Offer
ANZ Platinum Credit Card - Exclusive Offer

Interest rate

19.74

Annual fee

87
St.George Vertigo Platinum
St.George Vertigo Platinum

Interest rate

12.74

Annual fee

99
NAB Low Rate Credit Card
NAB Low Rate Credit Card

Interest rate

13.99

Annual fee

59

Ask a Question

You are about to post a question on finder.com.au

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com.au is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Disclaimer: At finder.com.au we provide factual information and general advice. Before you make any decision about a product read the Product Disclosure Statement and consider your own circumstances to decide whether it is appropriate for you.
Rates and fees mentioned in comments are correct at the time of publication.
By submitting this question you agree to the finder.com.au privacy policy, receive follow up emails related to finder.com.au and to create a user account where further replies to your questions will be sent.

108 Responses to Bankwest Credit Card Complimentary Insurance

  1. Default Gravatar
    Malcolm | April 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?

    • Staff
      Liezl | April 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,
      Liezl

  2. Default Gravatar
    Diane | March 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.

    • Staff
      May | March 12, 2017

      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.

      Cheers,
      May

  3. Default Gravatar
    Speck | February 11, 2017

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

    • Staff
      Anndy | February 12, 2017

      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 visit this page to compare platinum credit cards and check what frequent flyer points you can earn with each card.

      Cheers,
      Anndy

  4. Default Gravatar
    Speck | February 11, 2017

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

    • Staff
      May | February 15, 2017

      Hi Speck,

      Thank you for your question and for contacting finder.com.au – 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.

      Regards,
      May

  5. Default Gravatar
    | December 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.

    • Staff
      Jason | December 31, 2016

      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 above in this page. 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,
      Jason

  6. Default Gravatar
    Beverley | June 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?

    • Staff
      May | July 22, 2016

      Hi Beverley,

      Thanks for your inquiry.

      Sorry for the delayed reply. Just to confirm, you’ve come through to finder.com.au 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.

      Cheers,
      May

  7. Default Gravatar
    George | June 19, 2016

    Would I be covered for travel insurance my age 83

    • Staff
      Anndy | July 8, 2016

      Hi George,

      Thanks for your question.

      There is no age limit to be covered by Bankwest credit card complimentary travel insurance, although limits apply for pre-existing medical conditions.

      Cheers,
      Anndy

  8. Default Gravatar
    CHRISTOPHER | April 19, 2016

    Hi,

    “Step 1. Purchase a return overseas travel ticket before leaving Australia”. Doesn’t specify if I must purchase with the Bankwest card.

    If I (step 1) prepay overseas accommodation which is more than AUD$500 using the Bankwest card and then (step 2) purchase the return overseas travel ticket with cash, Am I eligible for insurance?

    If above is true, what if I complied with step 1, and then purchased the return overseas travel ticket with Kris Flyer points instead of cash, am I eligible for insurance?

    • Staff
      Anndy | April 19, 2016

      Hi Christopher,

      Thanks for your question.

      Please note that finder.com.au is a financial comparison and information service and is not a representative of Bankwest.

      To be eligible for the International Travel Insurance Policy offered to Bankwest Gold or Platinum credit cardholders, you should buy the return travel tickets before you leave Australia and spend at least A$500 on prepaid travel costs using one or combination of the following methods:

      • by charging to your eligible credit card account

      • by redeeming your Bankwest More Rewards points (does not include any points redeemed for Frequent
      Flyer programs)

      • by paying using redeemable travel agency flight vouchers that can be obtained by converting your
      Bankwest More Rewards points.

      I hope this answers your question.

      Cheers,
      Anndy

  9. Default Gravatar
    linda | March 29, 2016

    Hi, were about to book a 14 day cruise from Singapore and flights fro, Perth .does the free insurance cover cruises ? And is diverticulitis covered as medical or does it require more insurance as pre existing conditions?
    If we add hotel in few days is it covered or does it all need to be paid for in one transaction ?

    • Staff
      Debbie | April 1, 2016

      Hi Linda,

      Thanks for your inquiry.

      Please note that you have come through to finder.com.au, a comparison website, and not Bankwest.

      We can confirm that traveling via cruise is covered provided that your travel tickets have been pre-paid using your card.
      Unfortunately, diverticulitis is not listed from the covered medical conditions on Bankwest’s travel insurance policy. You may need call or speak directly to Allianz to verify.

      If you are a Bankwest World MasterCard, Platinum MasterCard or Gold MasterCard cardholder, you will be covered if you:
      Spend at least A$500 of your prepaid travel costs (includes 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.

      To find out more about the insurance policy, please refer to the PDS I have sent in your email.

      I hope this helps.

      Cheers,
      Debbie

  10. Default Gravatar
    | February 29, 2016

    barry
    we have booked a flight to the u/k plus hotels and car hire all paid for with my more world mastercard but since you switched to allianz
    iam finding the new rules confusing my main concern is if their is any
    age limit i am 79 and my wife is 74.

    • Staff
      Jonathan | March 1, 2016

      Hi Barry, thanks for your inquiry!

      There is no age limit to be covered by this insurance policy although limits apply for pre-existing medical conditions.

      Cheers,

      Jonathan

Ask a question
feedback