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Credit card travel insurance options if you’re over 65

If you’re aged 65 or over, there could be limits to the cover you get through complimentary credit card travel insurance. Here’s what you need to know.

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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.

What is the age limit for credit card complimentary travel insurance?

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.

Compare credit card complimentary travel insurance age limits

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

What can I do to get complimentary credit card travel insurance if I'm above the age limit?

  1. Check the insurance policy. Credit card companies provide complimentary insurance product disclosure statements (PDS) you can read to find out about age limits, exceptions and other requirements. Start here and see what details are provided about age requirements.
  2. Contact the insurance provider. Call the insurance provider and explain your situation. Ask them if any cover is available to you based on these details.
  3. Be prepared to have a medical examination. If you’re over the maximum age listed for standard cover or have pre-existing medical conditions, you may need to have a medical examination with one of the insurance provider’s approved medical professionals. Note that you may also have to pay fees relating to any medical examinations or tests.
  4. Pay any premium that’s required. An additional premium may apply if you’re over a certain age or if you have pre-existing medical conditions that you want covered by the insurance. You’ll need to pay these costs before your trip to be eligible for cover through this insurance policy.
  5. Keep details of the policy handy when you travel. If you’ve got limited or upgraded coverage due to your age or pre-existing conditions, make sure you keep details of the insurance policy and official communication handy so that you can easily make a claim if you need to.

Is complimentary credit card insurance worth it if you’re over the age limit for standard cover?

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.

What to consider before choosing your travel insurance

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:

  • Are pre-existing medical conditions covered? Unless you choose a standalone policy that specifically covers pre-existing medical conditions, you may find that any existing conditions you have are excluded from cover with either standalone or credit card travel insurance. With either type of policy, you may still be able to get cover with a medical assessment and additional premium fee, but this will be at the insurance provider’s discretion. See Finder's guide to travel insurance for people with pre-existing conditions for more information.
  • What are the excess costs? This is what you would have to pay to help cover the costs associated with any claims. Make sure you're aware of these costs when you compare policies and aim to have an appropriate amount of funds available in case you need to make a claim that requires an excess.
  • For purchased travel insurance, what is the premium cost? This is the upfront cost you’ll pay for travel insurance and it can vary significantly based on factors including your age, health, travel plans and the provider.
  • What's the annual fee? Most credit cards that include travel insurance also charge an annual fee. Consider whether this cost will outweigh the potential benefits of the insurance and whether you'll use the card's other features. For example, if a card has an annual fee of $250 but you could buy insurance for $200, it may be more affordable to purchase insurance for your trip – especially if you don’t plan on travelling every year.
  • How do I activate the cover? Most credit cards that offer complimentary travel insurance require you to pay for some or all of your travel on the card before you leave. If you end up carrying a balance, you could pay more for the card as a result of trying to activate the insurance.
  • Is there an additional premium if I want to use my credit card’s complimentary insurance? If you’re looking to cover pre-existing medical conditions or want to get upgraded insurance when you’re over the maximum age for standard complimentary cover, check what premiums and fees may apply. Weigh up these costs, along with the card’s annual fee, to decide if purchased or credit card travel insurance will be more suitable for you.

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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Compare credit cards with complimentary travel insurance

Data indicated here is updated regularly
Name Product Purchase rate Balance transfer rate Annual fee
NAB Qantas Rewards Signature Card
19.99% p.a.
0% p.a. for 6 months with 2% balance transfer fee
$295 annual fee for the first year ($395 p.a. thereafter)
Ends 30 November 2020
Collect up to 130,000 bonus Qantas Points (100k when you spend $3,000 in the first 60 days and 30k after 12 months). Plus, 75 bonus Status Credits.
Citi Rewards Card
21.49% p.a.
0% p.a. for 30 months
$49 annual fee for the first year ($149 p.a. thereafter)
Save on interest with 0% p.a. on balance transfers for 30 months with no balance transfer fee. Plus, a $49 first-year annual fee.
Qantas Premier Platinum
19.99% p.a.
0% p.a. for 18 months with 1% balance transfer fee
$199 annual fee for the first year ($299 p.a. thereafter)
Get 100,000 bonus Qantas Points, 75 bonus Status Credits and a 0% p.a. balance transfer rate for 18 months (with a one-time 1% BT fee).
Citi Rewards Card - $500 Voucher Offer
21.49% p.a.
0% p.a. for 12 months
$99 annual fee for the first year ($199 p.a. thereafter)
Get a $500 e-voucher to spend at Myer, JB Hi-Fi or Coles when you spend $3,000 in the first 90 days. Plus, earn points/$1 spent. Ends 30 Nov 2020.
ANZ Frequent Flyer Black
20.24% p.a.
20.24% p.a.
$425
Collect 120,000 bonus Qantas Points and $200 back when you spend $3,000 in the first 3 months. Plus, complimentary lounge passes.
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
20.74% p.a.
0% p.a. for 22 months
$64 annual fee for the first year ($129 p.a. thereafter)
Get 0% p.a. for 22 months on balance transfers and a reduced first-year annual fee. Plus, earn up to 30,000 bonus Velocity Points. Ends 30 Nov 2020.
ANZ Platinum Credit Card
0% for 17 months, reverts to 20.24% p.a.
20.24% p.a.
$0 annual fee for the first year ($87 p.a. thereafter)
Receive a 0% purchase rate offer for 17 months and a $0 first-year annual fee. Plus, complimentary overseas travel and medical insurance.
HSBC Platinum Credit Card - Balance Transfer Offer
19.99% p.a.
0% p.a. for 26 months with 1% balance transfer fee
$0 annual fee for the first year ($129 p.a. thereafter)
Enjoy a 26-month balance transfer offer, a first-year annual fee waiver and complimentary travel insurance.
Citi Rewards Card - Flybuys Offer
21.49% p.a.
0% p.a. for 15 months with 1% balance transfer fee
$49 annual fee for the first year ($149 p.a. thereafter)
Receive 75,000 bonus Flybuys points and a $100 Kmart eGift Card when you meet the spend requirement. Plus, a reduced first-year annual fee.
St.George Amplify Platinum - Qantas
19.74% p.a.
0% p.a. for 15 months with 1% balance transfer fee
$99
Earn 70,000 bonus Qantas Points, plus enjoy 0% p.a. on balance transfers for 15 months and complimentary insurance covers.
American Express Explorer Credit Card
20.74% p.a.
$395
Get 120,000 bonus points when you spend $3,000 in the first 3 months. Plus, 30,000 points in the second year and a yearly $400 travel credit.
HSBC Platinum Credit Card - Bonus Points Offer
19.99% p.a.
$129
84,000 bonus Rewards Plus points ($350 worth of gift cards) when you spend $3,000 in the first 90 days. Plus, travel insurance & lounge passes.
Qantas American Express Premium Card
20.74% p.a.
$249
Enjoy 30,000 bonus Qantas Points and 2 complimentary Qantas Club lounge invitations per year.
Qantas American Express Ultimate Card
20.74% p.a.
$450
Get 55,000 bonus Qantas Points, a $450 Qantas Travel Credit and 2 yearly complimentary Qantas Club lounge invitations.
St.George Vertigo Platinum
0% for 15 months, reverts to 12.99% p.a.
6.99% p.a. for 12 months
$49 annual fee for the first year ($99 p.a. thereafter)
Features an introductory 0% p.a. purchase rate, $49 first year annual fee and complimentary travel insurance covers.
Westpac Altitude Platinum Qantas
20.49% p.a.
0% p.a. for 18 months with 1% balance transfer fee
$99 annual fee for the first year ($200 p.a. thereafter)
Get 60,000 bonus Qantas Points when you spend $3,000 within 90 days. Plus, a first-year annual fee discount and a long-term balance transfer offer.
HSBC Platinum Qantas Credit Card
19.99% p.a.
0% p.a. for 12 months
$99
Get 20,000 bonus Qantas Points when you spend $3,000 in the first 90 days. Plus, a 0% balance transfer and complimentary travel insurance.
American Express Platinum Edge Credit Card
20.74% p.a.
$195
Receive 50,000 bonus points when you spend at least $1,500 within the first 3 months. Plus, receive $200 travel credit each year.
American Express Velocity Platinum Card
20.74% p.a.
$375
Receive 100,000 bonus Velocity Points, 75 Status Credits and $100 back when you spend $3,000 within the first 3 months.
American Express Business Explorer Credit Card
3.99% for 6 months, reverts to 19.99% p.a.
$149
ABN holders w/ $75,000 revenue. Get 100,000 bonus points. Plus, 2 airport lounge passes.
Bank of Melbourne Amplify Platinum - Qantas
19.74% p.a.
0% p.a. for 15 months with 1% balance transfer fee
$99
Receive 70,000 bonus Qantas Points when you spend $1,500 each month for the first 3 months and earn up to 0.5 Qantas Points per $1 spent.
St.George Amplify Platinum
0% for 7 months, reverts to 19.74% p.a.
0% p.a. for 22 months with 1.5% balance transfer fee
$0 annual fee for the first year ($99 p.a. thereafter)
Save with 0% p.a. interest rates on purchases and balance transfers. Plus a $0 first-year annual fee.
Bank of Melbourne Amplify Signature
19.74% p.a.
0% p.a. for 6 months
$139 annual fee for the first year ($279 p.a. thereafter)
Up to 200,000 bonus points (130k in the first year & 70k in the second year) when you spend $12k/year for the first 2 years.
St.George Rainbow Vertigo Platinum
0% for 15 months, reverts to 12.99% p.a.
6.99% p.a. for 12 months
$49 annual fee for the first year ($99 p.a. thereafter)
All the platinum features of the Vertigo Platinum Visa with a rainbow design in support of the LGBT community.
Suncorp Clear Options Platinum Credit Card
20.74% p.a.
$129
Earn 100,000 bonus points when you spend $3,000 in the first 90 days. Plus, complimentary insurance covers included.
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Credit Cards Comparison

Data indicated here is updated regularly
Name Product Purchase rate Balance transfer rate Annual fee
Citi Rewards Card
21.49% p.a.
0% p.a. for 30 months
$49 annual fee for the first year ($149 p.a. thereafter)
Save on interest with 0% p.a. on balance transfers for 30 months with no balance transfer fee. Plus, a $49 first-year annual fee.
Qantas Premier Platinum
19.99% p.a.
0% p.a. for 18 months with 1% balance transfer fee
$199 annual fee for the first year ($299 p.a. thereafter)
Get 100,000 bonus Qantas Points, 75 bonus Status Credits and a 0% p.a. balance transfer rate for 18 months (with a one-time 1% BT fee).
Coles No Annual Fee Mastercard
0% for 12 months, reverts to 19.99% p.a.
0% p.a. for 12 months
$0
Save on new and existing interest charges with 0% p.a. on balance transfers and purchases for 12 months.
Citi Rewards Card - $500 Voucher Offer
21.49% p.a.
0% p.a. for 12 months
$99 annual fee for the first year ($199 p.a. thereafter)
Get a $500 e-voucher to spend at Myer, JB Hi-Fi or Coles when you spend $3,000 in the first 90 days. Plus, earn points/$1 spent. Ends 30 Nov 2020.
Latitude Gem Visa
24.99% p.a.
$99
Enjoy 0% p.a. interest on purchases over $250 for 6 months, optional shopper's protection insurance and the convenience of Samsung Pay.
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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.

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