Can I get proof of my cover?

Yes, if you get upgraded cover you'll be issued with a certificate of insurance. If you need proof of cover in other circumstances, call Cover-More on 1300 468 340. You won't generally receive a certificate of insurance, as cover is available automatically once you meet the conditions.

Does Bankwest credit card travel insurance cover family members?

Yes, if you meet the eligibility requirements for cover, your spouse and dependants (children) can get cover under this policy when they're travelling with you for the entire trip. Keep in mind that they also need to meet all the other conditions of the insurance policy (e.g. being under 80 years of age). They also need to be travelling on the same itinerary.

Bankwest credit card complimentary travel insurance

Q: How do I activate or apply for my complimentary insurance?

You don't need to apply for cover, or tell Bankwest or the insurer that you will be travelling, as you're automatically covered for Complimentary Overseas Travel Insurance provided you're a cardholder and meet the eligibility, definitions, terms and conditions, exclusions and claims procedures contained in the PDS.

Eligible Bankwest Platinum and World Mastercards offer automatic overseas travel insurance, with longer trips covered on World Mastercards.
Upgrade your policy for a premium to cover existing medical conditions or extend trip duration.
Beyond travel, cards include purchase security, extended warranty and interstate flight inconvenience cover.

What you need to know:

Bankwest credit cards offer base overseas travel insurance for trips of up to 31 days with an eligible Platinum card and up to 6 months with a World Mastercard.
You don't need to activate this insurance or apply to get cover for an overseas trip - coverage is automatic once you meet eligibility and the terms and conditions.
You can pay a premium to extend your cover and/or get more cover for issues including cancellation, rental vehicle excess insurance and existing medical conditions.
Your spouse and dependants travelling with you can also get cover, but there are some requirements and exclusions.

Have a question or need to make a claim right now? Call insurance provider Cover-More on 1300 468 340 (from Australia) or +61 2 8907 5061 (from overseas).

Which Bankwest credit cards have complimentary travel insurance?

Card	International travel insurance	Transit accident insurance	Interstate flight inconvenience insurance	Purchase security	Extended warranty insurance	Price guarantee
Bankwest More Platinum Mastercard	Yes	Yes	Yes	Yes	Yes	Yes
Bankwest More World Mastercard	Yes	Yes	Yes	Yes	Yes	Yes
Bankwest Qantas Platinum Mastercard	Yes	Yes	Yes	Yes	Yes	Yes
Bankwest Qantas World Mastercard	Yes	Yes	Yes	Yes	Yes	Yes
Bankwest Breeze Platinum Mastercard	Yes	Yes	Yes	Yes	Yes	Yes

⚠️ Important: This guide is based on details in the Bankwest credit card insurance information booklet, effective 22 April 2026 (pdf). This was the current version when we updated this guide, but you can also check for updates on the Bankwest website.

How to get cover with Bankwest credit card international travel insurance

Have an active, eligible Bankwest credit card in your name at the time of the incident (e.g. when you're overseas and need to make a claim).
Make sure you'll be under 80 years of age when you start your overseas trip and/or when you get a Certificate of Insurance.
Travel overseas from Australia.
Make sure the length of your trip meets the following cover requirements:
- Bankwest Platinum Cards: Up to 31 days in a row for included cover and up to 3 months for upgraded cover.
- Bankwest World Mastercard credit cards (More and Qantas): Up to 6 months in a row for included cover and up to 12 months for upgraded cover.
Optional: Request and pay the premium if you want to extend the length of the cover or if you have a platinum card and want access to upgraded cover benefits including cancellations, car rental excess cover and baggage delays.

The cover is automatically available to you and eligible family members when you meet these requirements.

What's covered by Bankwest credit card overseas travel insurance?

We've broken down the key options for different types of claims and situations, but you should always read the insurance policy booklet for complete details of the cover.

Note: From 1 October 2026, Bankwest's complimentary credit card insurance will be provided by Cover Genius and underwritten by Allied World. Accidental death cover will be removed, and new benefits will include overseas funeral and repatriation costs (up to $15,000) and baggage delay expenses (up to $600). The limits below apply to trips departing before 1 October 2026.

Included complimentary overseas travel insurance for eligible Platinum and World Mastercard credit cards

Benefit	Claim limit (medical cover for people under 80)	Excess payment (per claim)
Overseas emergency medical and hospital expenses Note: This benefit has sub-limits for hospital incidentals, assault requiring hospitalisation and emergency dental costs, which we have listed separately in this table.	Unlimited	$250
Hospital incidentals (sub-limit)	Up to $100 per 24 hours, with a maximum of $15,000 total	$0
Assault requiring hospitalisation (sub-limit)	$500	$0
Overseas emergency dental expenses (sub-limit)	Up to $2,000 per person	$0
Accidental death	$25,000 per cardholder $25,000 per spouse	$0
Personal liability Note: This cover is not available if the issue relates to family, people travelling with you or people employed by you.	Up to $2.5 million	$0
Baggage and personal goods (accidental damage, theft and loss)	Up to $20,000 for a cardholder or $30,000 when travelling with a spouse, with the following claim limits: Cameras, video cameras, computers, mobile and smart phones: Up to $3,500 per item Other covered items: Up to $2,000 per item	$250

More cover and upgraded benefits for overseas travel insurance

If you have an eligible Bankwest Platinum credit card, you can pay a premium to upgrade your cover and get the benefits in this table.

Bankwest World Mastercard credit cards automatically include most of these benefits, so you would only need to pay a premium for an additional period of cover or to cover an existing medical condition.

Benefit	Claim limit (medical cover for people under 80)	Excess payment (per claim)
Additional period of cover	Bankwest Platinum cards: Up to 2 additional months of cover (for 3 months total cover) Bankwest World Mastercard credit cards: Up to 6 additional months of cover (for 12 months total cover	$0
Existing medical conditions cover (subject to application)	N/A - limits are based on the benefit limits for any claims you make	Based on the type of claim
Additional expenses	Unlimited	$250
Cancellation costs	Up to $15,000 per cardholder or up to $20,000 if travelling with covered family members, except: Travel agents' cancellation fees: Up to a maximum of $1,000 (less if the commission booking fee is lower)	$250
Special event	Up to $3,000	$250
Rental vehicle excess	Up to $3,000	$250
Kidnap and ransom Note: This cover does not apply for kidnapping in any country or waters located in Mexico, Central America or South America (south of the US), the Philippines or Somalia. It also doesn't apply if you've been kidnapped before.	Up to $250,000	$0
Hijack and detention	Up to $100 per 24 hours ($20,000 max)	$0
Baggage delay expenses	Up to $600 per cardholder, with a maximum claim limit of $1,200 when travelling with family.	$0
Travel documents, traveller's cheques, credit cards and cash	Up to $600 per cardholder, with a maximum claim limit of $1,100 when travelling with covered family.	$0
Travel delay expenses	Up to $475 per cardholder, or $1,100 for a cardholder travelling with family.	$0
Domestic pets (additional kennel or boarding costs)	Up to $50 per 24 hours, with a maximum limit of $1,000.	$0
Overseas funeral, cremation or body repatriation	Up to $15,000 per cardholder, or up to $30,000 when travelling with family.	$0
Travel services provider insolvency	Up to $5,000 per cardholder, or up to $10,000 when travelling with family.	$250
Resumption of journey	Up to $5,750 per cardholder, or up to $15,000 when travelling with family.	$250
Loss of income	Up to $1,000 per week and a maximum of $12,000 per cardholder or spouse (based on your verified income)	$0

Want to upgrade your policy? Call Cover-More on 1300 468 340 or request upgraded cover through the Bankwest app or website.

What's not covered?

Some of the key things you won't be covered for with Bankwest credit card complimentary international travel insurance include:

Epidemics and pandemics (except for claims related to COVID-19 in specific situations)
If you don't follow the advice of a government or another official source (e.g. Do Not Travel warnings)
If the issue is the result of substance abuse or non-prescription drugs
Claims relating to elective medical, dental or cosmetic procedures you have when you're overseas (includes getting new tattoos and piercings)
Dangerous activities including rock climbing (with equipment), white water rafting, bungy jumping, off-piste snowboarding or skiing and quad or motorbike riding on a vehicle that has an engine capacity of 200cc or more

Does Bankwest complimentary credit card travel insurance have coronavirus cover?

Yes, this policy offers cover for overseas emergency medical and hospital expenses if you are positively diagnosed with COVID-19 during your trip. But you won't get cover if you were diagnosed while on a multi-night cruise, or for other claims (such as cancellation costs).

⚠️ Remember: Check the Bankwest credit card insurance booklet or call Cover-More on 1300 468 340 for more details about exclusions or COVID-19 cover.

If you need cover for a skiing trip, bungy jumping or other overseas adventures, check out adventure sport travel insurance costs and conditions.

Existing medical conditions

This complimentary overseas travel insurance automatically covers a limited number of existing medical conditions when you meet the requirements. For any existing medical condition to be covered, you must:

Be under 79 years of age
Have not been hospitalised in the past 12 months for that condition
Have not had surgery involving joints, your back, spine, brain or abdomen
if it required at least an overnight stay in hospital for the condition

Some existing medical conditions also have more specific requirements, including:

Pre-existing medical condition	Conditions for cover
Asthma	To get cover, you must: Be under 60 years of age Have not smoked for at least 18 months Not need prescribed oxygen outside of a hospital Have no other lung condition or disease
Diabetes/glucose intolerance	To get cover, you must: Be under 50 years of age Have had your diagnosis for more than 6 months Not have had any complications in the last 12 months Have no kidney, eye or neuropathy complications Have no cardiovascular disease
Hypertension (high blood pressure)	If you have no cardiovascular disease or diabetes
Single pregnancy up to 24 weeks	If there are no existing complications related to the pregnancy and the pregnancy was not medically assisted (e.g. through IVF)

Got a pre-existing health condition that's not covered? Check out travel insurance policies that offer cover for conditions including allergies, epilepsy and physical disabilities.

How to make a claim through your Bankwest credit card complimentary international travel insurance policy

If it's an emergency, call Cover-More on +61 2 8907 5061 from overseas or 1300 468 340 in Australia. Then, submit a claim as soon as possible by following these steps:

Go to https://claims.covermore.com.au/BW/TravelClaims
Select "Create a new claim".
Fill in the details on the claim form and upload your supporting documents.
Use the "Save" button if you need to come back to the claim later.

You can also start the claim process by logging in to your Bankwest account.

Cover-More will contact you within 30 working days of submitting a claim.

What to include in your claim

With insurance claims, include as many details as you can. This makes it easier for the insurer to look at the claim and your eligibility for a payout. Some examples include:

A referral or letter from a doctor or other professional you see in relation to a claim
Photo evidence
Police reports

Tip: Use a travel wallet or create an online folder to keep all your important documents together. This could include your passport, itinerary, printed tickets, a copy of the Bankwest card insurance policy booklet – plus anything that could become supporting documentation for claims.

Other types of Bankwest complimentary credit card travel insurance

Transit accident insurance

What is it? Cover for accidents that happen when you're boarding, leaving or travelling overseas on a plane, train, bus, ferry or other eligible vehicle.
When can I use it? If you have paid for the entire trip with your eligible Bankwest credit card before you leave.
Is there an excess cost? No.

Interstate flight inconvenience insurance

What is it? Cover for specific issues that come up when you're travelling to a different state or territory in Australia. For example, cancelled return flights, flight delays of 4 hours or more and delayed or lost luggage.
When can I use it? If you use your eligible Bankwest credit card to pay for the entire cost of your return interstate flight and are travelling for no more than 14 days in a row.
Is there an excess cost? There is a $250 excess for claims relating to cancellation and lost or damaged personal goods.

How to make a claim under one of these policies

Call Cover-More on 1300 468 340 in Australia or +61 2 8907 5061 from overseas.

You can also download a claim form from https://claims.covermore.com.au/BW/TravelClaims, fill it out and email it to bankwestclaims@covermore.com.au or post it to the address listed in the insurance policy (page 26).

Bankwest credit card complimentary insurance for shopping

These Bankwest credit cards also give you access to other types of insurance for items you buy. Here's a basic explainer of each one:

Purchase security insurance: Offers cover for up to 90 days when you buy an item with your eligible card and it's then stolen, accidentally damaged or lost. It covers household and personal items such as laptops, shoes, jewellery and glasses.
Extended warranty insurance: Cover that doubles the manufacturer's warranty for items bought in Australia, up to a maximum period of 12 months.
Price guarantee: If you buy something and then see it being sold for less somewhere else, you could claim the difference in price with this cover.

Don't have complimentary insurance on your credit card yet? Check out other cards that offer insurance.

Frequently asked questions

Yes, if you meet the eligibility requirements for cover, your spouse and dependants (children) can get cover under this policy when they're travelling with you for the entire trip. Keep in mind that they also need to meet all the other conditions of the insurance policy (e.g. being under 80 years of age). They also need to be travelling on the same itinerary.

Finder writers are subject matter experts and use primary sources, in-depth research and interviews with other experts to ensure you're getting accurate, up-to-date information. Articles are fact checked in line with our editorial guidelines.

Thank you for your feedback!

To make sure you get accurate and helpful information, this guide has been edited by Joelle Grubb as part of our fact-checking process.

Written by

Amy Bradney-George

Journalist

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Amy is an experienced journalist with over 16 years of experience, contributing to major publications like Money Magazine, The Sydney Morning Herald, and ABC News Australia. Specialising in personal finance, she frequently appeared in media outlets and on radio. Amy holds a Bachelor of Arts in Journalism and Drama from Griffith University and earned RG146 certifications in Tier 1 Generic Knowledge and Tier 2 General Advice Deposit Products, ensuring her expertise is grounded in current financial regulations. Amy was Finder's Senior Writer for Credit Cards from 2016 to 2024. See full bio

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145 Responses

RogerJuly 10, 2025

It was mentioned in the guide that i don’t need to activate or apply for complimentary travel insurance, it is automatic once i use my active Platinum credit card
How would they know where i am going. where do i place my destinations?

Finder

SarahJuly 10, 2025Finder

Hi Roger,

You don’t need to advise them of your travel plans or destinations before your trip, as they won’t issue you a policy document – you are simply automatically covered. You only need to make contact with them if you need to lodge a travel insurance claim. If you travel and there are no incidents, then they don’t need to hear from you at all. If you would like proof of cover before you travel, you can call Cover-More on 1300 468 340. Hope this helps!

MICHELLEJuly 5, 2025

Does complimentary travel insurance on bankwest qantas platinum card cover cruising

Finder

SarahJuly 7, 2025Finder

Hi Michelle,

According to Bankwest’s PDS, cover is included under Complimentary Overseas Travel Insurance Benefit 1: Overseas Emergency Medical and Hospital Expenses if you’re travelling on a domestic cruise in Australian waters and are eligible for Complimentary Overseas Travel Insurance. Please note: There is no cover for claims arising from, or related to, COVID-19 whilst travelling on a cruise. The PDS was last updated September 2024 and may be subject to change. You can read more in the PDS or contact Bankwest for confirmation. Hope this helps!

Finder

RichardMarch 5, 2025Finder

Hello Gordon,

I think there might be some confusion here. You will need to talk to Bankwest directly for this enquiry. At Finder we help people compare options but the bank itself makes decisions about things like this.

According to Bankwest’s website says you’re covered “as long as you’re travelling overseas together and have an open and activated eligible credit card. The best bit? There’s no minimum spend – the cover applies automatically if you’re eligible.”

I hope this helps.

ClareMarch 2, 2025

Does Bank West offer free domestic travel insurance?

Finder

AngusMarch 3, 2025Finder

Hi Clare, As the guide notes, many Bankwest credit cards do offer complimentary travel insurance for eligible trips.

LynnJanuary 28, 2025

How much of my holiday do I need to pay on my CC to get free travel insurance

Finder

SarahJanuary 28, 2025Finder

Hi Lynn,

According to the terms and conditions, there is no cost for this cover and no requirement to spend a certain amount on prepaid travel costs by charging those costs to your eligible credit card account.

You also don’t have to tell Bankwest or Cover-more that you will be travelling as you’re automatically eligible for Complimentary Overseas Travel Insurance, provided you’re a cardholder and meet the eligibility, definitions, terms and conditions, exclusions and claims procedures contained in this booklet.

Hope this helps!

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Bankwest credit card complimentary travel insurance

Eligible Bankwest Platinum and World Mastercard credit cards offer overseas travel insurance, cover for eligible trips in Australia and other types of insurance. Here's what you can get.