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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.

What you need to know:

  • Bankwest credit cards offer comprehensive international 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?

CardInternational travel insuranceTransit accident insuranceInterstate flight inconvenience insurancePurchase securityExtended warranty insurancePrice guarantee
Bankwest More Platinum MastercardYesYesYesYesYesYes
Bankwest More World MastercardYesYesYesYesYesYes
Bankwest Qantas Platinum MastercardYesYesYesYesYesYes
Bankwest Qantas World MastercardYesYesYesYesYesYes
Bankwest Breeze Platinum MastercardYesYesYesYesYesYes
⚠️ Important: This guide is based on details in the Bankwest credit card insurance information booklet, effective 24 August 2022 (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

  1. 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).
  2. 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.
  3. Travel overseas from Australia.
  4. 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 More World Mastercard credit cards: Up to 6 months in a row for included cover and up to 12 months for upgraded cover.
  5. 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. If you need further details or want confirmation of cover, go to the insurance section of the Bankwest app or call Cover-More on 1300 468 340.

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

Here, we've broken down the key options for different types of claims and situations. But remember: you should always read the insurance policy booklet for complete details of the cover.

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

BenefitClaim limit for people up to 80 years of ageExcess 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.
Hospital incidentals (sub-limit)Up to $100 per 24 hours, with a maximum of $15,000 total$0
Assault requiring hospitalisation (sub-limit)$500 per person$0
Overseas emergency dental expenses (sub-limit)Up to $2,000 per person$0
Accidental death$25,000 per cardholder

$25,000 per spouse

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

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.

BenefitClaim limit for people up to 80 years of ageExcess payment (per claim)
Additional period of coverBankwest 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

Existing medical conditions cover (subject to application)N/A - limits are based on the benefit limits for any claims you makeBased on the type of claim
Additional expensesUnlimited$250
Cancellation costsUp 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)

Special eventUp to $3,000$250
Rental vehicle excessUp 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 detentionUp to $100 per 24 hours ($20,000 max)$0
Baggage delay expensesUp 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 cashUp to $600 per cardholder, with a maximum claim limit of $1,100 when travelling with covered family.$0
Travel delay expensesUp 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 repatriationUp to $15,000 per cardholder, or up to $30,000 when travelling with family.$0
Travel services provider insolvencyUp to $5,000 per cardholder, or up to $10,000 when travelling with family.$250
Resumption of journeyUp to $5,750 per cardholder, or up to $15,000 when travelling with family.$250
Loss of incomeUp 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 conditionConditions for cover
AsthmaTo 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 intoleranceTo 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 weeksIf there are no existing complications related to the pregnancy and the pregnancy was not medically assisted (e.g. through IVF)

⚠️ Keep in mind: Every travel insurance policy has its own definition and requirements for existing medical conditions (also referred to as pre-existing conditions). For Bankwest credit cards, check the insurance booklet or call Cover-More on 1300 468 340.

What if I don't meet the requirements or have another existing medical condition?

You can apply for existing medical condition cover through the Bankwest app or by calling Cover-More on 1300 468 340.

If your request for cover is approved, you'll need to pay a premium. The cost will be advised at the time you apply, and you'll then be issued with a certificate of cover.

Otherwise, you won't get cover for any pre-existing conditions that cause issues.

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:

  1. Go to
  2. Select "Create a new claim".
  3. Fill in the details on the claim form and upload your supporting documents.
  4. 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, fill it out and email it to 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? Compare Suncorp credit cards or check out other cards that offer insurance.

Frequently asked questions

Written by

Amy Bradney-George

Amy Bradney-George was the senior writer for credit cards at Finder, and editorial lead for Finder Green. She has over 16 years of editorial experience and has been featured in publications including ABC News, Money Magazine and The Sydney Morning Herald. See full profile

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135 Responses

    Default Gravatar
    GordonMarch 18, 2024

    My wife and I are booked on a domestic cruise starting from Fremantle and ending in Cairns in May (15 days) – 10 days on a P&O ship and 4 days in Cairns. How do we apply for the complementary travel insurance with Bankwest? I have read the online pamphlet and believe we meet the criteria. I have a Platinum debit card and we bank with Bankwest. Can you get back to me, either by phone (0431342559) or email. I have been waiting patiently for over 90 minutes to get through to your assistance officer without any luck. Than you.

      SarahMarch 25, 2024Finder

      Hi Gordon,

      You don’t have to tell Bankwest or us 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.

      I’ve also reviewed the PDS, which states:
      “[Your] period of cover means the time when you are covered. It starts for Complimentary Overseas Travel Insurance – on a Gold Mastercard or Platinum Mastercard, at the commencement of the journey. On a World Mastercard, as follows:
      – Benefit 6: Cancellation Costs – from the time you pay the first prepaid travel cost for the journey that is the subject of this insurance
      – For the other benefits – at the commencement of the journey.

      Your cover ends:
      At the earliest of the following times:
      i. At the end of the journey
      ii. the travel end date on your Certificate of Insurance
      iii. When we determine that you should return to Australia for treatment.

      Hope this helps!

    Default Gravatar
    GeorgieOctober 17, 2023

    We are currently overseas and have complimentary travel insurance with our Bankwest Mastercard More card. We need to top this up as we have been out of the country for 5 and a half months and are not due back in australia until 19 November. How can i do this please? We are not able to call you.

      AmyOctober 20, 2023Finder

      Hi Georgie,
      You can contact the insurance provider, Cover-More on +61 2 8907 5061 to discuss the possibility of an extension on your cover when you’re already overseas. I hope this helps.

    Default Gravatar
    WinnieAugust 9, 2023

    If I have a Platinum Mastercard credit card and the World Mastercard credit card, which credit card Travel Insurance will I get?

      AmyAugust 11, 2023Finder

      Hi Winnie,
      You would get more cover through a Bankwest World Mastercard and can check your cover details through the Bankwest app. If you have further questions, contact the insurance provider Cover-More on 1300 468 340. I hope this helps.

    Default Gravatar
    NickyJune 20, 2023

    Am I covered if I should get covid before or during the holiday and have to change flights? (Within Australia)

      AmyJune 22, 2023Finder

      Hi Nicky,
      There is some cover for COVID-19, including cancellation cover for World Mastercard cardholders and other eligible cardholders that pay for upgraded insurance cover or have paid for their return domestic flights and are eligible for interstate flight inconvenience insurance. But for a specific question such as this, you can call the insurance provider Cover-More on 1300 468 340 to check what cover could be available. I hope this helps.

    Default Gravatar
    RicardoJune 19, 2023

    My wife and me booked a cruse from Vancouver to Sydney. We put a deposite of $3400. My wife took ill we had to cancil losing our deposite
    Can we claim insurance for our loss.

      SarahJune 20, 2023Finder

      Hi Ricardo,

      You will need to contact BankWest directly with this enquiry, we are a review site and we’re not licenced to advise on personal situations.

      Their insurance is underwritten by Cover-more. You can call Cover-More on 1300 568 340 within Australia or +61 2 8907 5061 from overseas.

      Hope this helps.

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