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Travel insurance policies often limit or restrict coverage when you reach a certain age. For credit cards that offer complimentary travel insurance, this age limit ranges from 50 to 90 but is usually somewhere around 70–80 years old.
Use this guide to compare age limits for credit card travel insurance, learn what you need to do to make sure you’re covered and how to figure out if complimentary credit card travel insurance is worth it for you. We also have details on what to consider when comparing travel insurance options so you can choose travel insurance that works for you.
Just as with regular travel insurance policies, the age limits and requirements for complimentary credit card insurance vary based on the provider. In most cases, you can still get cover if you’re 65 or older but it may be limited or attract an additional premium if you're over 80.
To make it easier for you to compare credit card complimentary travel insurance options, we’ve drawn up the following table with details for the major credit card companies in Australia. Here, you can see details of the underwriting insurance provider, maximum age for standard coverage and additional details that will be useful when you’re looking at your options.
Credit card company | Insurance provider | Maximum age for standard coverage | Additional details |
---|---|---|---|
American Express | Chubb | 79 | You must be under 80 years of age and in a good state of health and be fit to travel to be eligible for this cover |
ANZ | Allianz | 80 | To be eligible you must be 80 years of age or under on the day you activated cover. There are other age limits for pre-existing conditions such as asthma. Check the insurance policy booklet for details. |
Bankwest | Cover-More | 79 | You must be under 80 years of age to be eligible for this cover as outlined in the Bankwest Complimentary Credit Card Insurance booklet. Call Cover-More on 1300 468 340 for more information. There are other age limits for pre-existing conditions such as asthma (you must be under 60) or diabetes/glucose intolerance (under 50). |
Bank of Melbourne | Allianz | 80 | This cover is only available to persons up to and including 80 years of age |
Citi | Allianz | Not outlined in the policy document | For specific enquiries contact Allianz Global Assistance on 1800 072 791 |
CommBank | Cover-More | 79 | Limited cover is available for people aged 80 or over with upgraded cover and a premium applies. Refer to the CommBank Credit Card Insurance booklet for more information |
HSBC | Allianz | Not outlined in the policy document | For specific enquiries contact Allianz Global Assistance on 1800 648 093 |
NAB | Allianz | 75 | If you're aged between 76 and 90, different benefit limits will apply to you. Please check the NAB Card Insurance policy booklet for more information. |
St.George | Allianz | 80 | This cover is only available to persons up to and including 80 years of age |
Virgin Money | Allianz | Not outlined in the policy document | For specific enquiries contact Allianz Global Assistance on 1800 072 791 |
Westpac | Allianz | 80 | This cover is only available to persons up to and including 80 years of age |
If you’re over the maximum age for standard cover but can still get limited coverage, you’ll need to check what this cover is and decide if it’s worth it. Similarly if you’re able to request coverage following a medical assessment and/or additional premiums, you’ll need to consider these costs and decide if they’re worth it when compared to what you’d pay for a travel insurance policy that’s designed specifically for people aged 65 and over.
There are also travel insurance brands that offer cover specifically for people aged over 75 and over 85, which could include more reasonable benefits and limits based on your circumstances. So it’s worth comparing different options and keeping in mind that sometimes paying for your insurance will be more valuable than trying to get complimentary cover through a credit card.
As well as the age requirements, here are the key questions to ask when you’re comparing credit card insurance and standalone travel insurance policies based on age requirements and limitations:
Complimentary travel insurance has the potential to save you hundreds of dollars on buying a policy but age requirements and exclusions for pre-existing conditions can limit the value of this credit card extra. By comparing these requirements and the cost of the card with standalone travel insurance policies, you can find the right type of credit card and travel cover for your individual needs.
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