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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 significantly 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.
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.
Generally, credit card companies partner with an insurance provider, such as Allianz, Chubb or QBE, to offer complimentary travel insurance. This means all inquiries and claims about the insurance should be directed to the insurance provider rather than your credit card company.
| 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 |
| Bankwest | Cover-More |
| 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 |
| 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 | Allianz | 79 | Limited cover is available for people aged 80 or over but may require further steps to activate and may attract a premium charge. 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 | 90 | You must be 90 years of age or under before the date of departure for your trip. |
| 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 |
There may still be situations when you’re eligible for complimentary travel insurance if you’re over 65 or above the age limit outlined in the policy. Here’s how you can find out:
If you’re over 65 and also have an ongoing condition such as diabetes, asthma or high blood pressure, make sure you also look at whether or not the travel insurance covers pre-existing medical conditions.
Find out about travel insurance for pre-existing medical conditions
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.
Here are the key questions to look at 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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* The credit card offers compared on this page are chosen from a range of credit cards finder.com.au has access to track details from and is not representative of all the products available in the market. Products are displayed in no particular order or ranking. The use of terms 'Best' and 'Top' are not product ratings and are subject to our disclaimer. You should consider seeking independent financial advice and consider your own personal financial circumstances when comparing cards.
