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 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 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).

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.
  • Bankwest Qantas Gold. Maximum 3 months insurance
  • Bankwest Zero Gold. Maximum 3 months insurance
  • Bankwest Breeze Gold. Maximum 3 months insurance
  • Bankwest More Gold. Maximum 3 months insurance

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?

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.

How do I make a claim?

In AustraliaOverseas
  1. Call Cover-More on 1300 468 340 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 Cover-More within 30 days.
    1. 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 online claims

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.

Documents to have on hand

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.

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
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 planUnlimited
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
Funeral expenses
  • 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.

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,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.
Images: Shutterstock

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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?

    • Avatarfinder Customer Care
      NikkiOctober 18, 2019Staff

      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,

    • Avatarfinder Customer Care
      NikkiSeptember 20, 2019Staff

      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?

    • Avatarfinder Customer Care
      NikkiNovember 16, 2018Staff

      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
      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,

  6. 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.


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


  8. 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.


  9. 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 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,

  10. 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.


Credit Cards Comparison

Rates last updated November 21st, 2019
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21.99% p.a.
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Qantas Premier Platinum
19.99% p.a.
0% p.a. for 18 months
$199 p.a. annual fee for the first year ($299 p.a. thereafter)
Get up to 120,000 bonus Qantas Points (20,000/month) when you spend $1,500/month for the first 6 months.
Citi Clear Platinum Credit Card
0% for 9 months, reverts to 14.99% p.a.
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$0 p.a. annual fee for the first year ($99 p.a. thereafter)
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Virgin Australia Velocity Flyer Card - Bonus Points Offer
20.74% p.a.
0% p.a. for 18 months
$64 p.a. annual fee for the first year ($129 p.a. thereafter)
Earn up to 70,000 bonus Velocity Points (60,000 in 3 months and 10,000 after first year). Plus, save with 0% p.a. for 18 months on balance transfers.

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