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.

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By

Amy Bradney-George

Edited by

Joelle Grubb

Updated

Fact checked
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Key takeaways

  • 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?

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 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

  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 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.
  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.

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

BenefitClaim 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.

BenefitClaim limit (medical cover for people under 80)Excess 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

$0
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)

$250
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)

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 https://claims.covermore.com.au/BW/TravelClaims
  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 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

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

    Ross's avatar
    RossNovember 26, 2014

    When does the 6 months cover my Platinum card provides start. I am purchasing flights and tours now for June next year.

      Elizabeth Barry's headshotFinder
      ElizabethNovember 26, 2014Finder

      Hi Ross,

      Thanks for your question.

      It will apply when you depart Australia and start your overseas trip.

      I hope this has helped.

      Thanks,

      Elizabeth

    Anthony's avatar
    AnthonyAugust 11, 2014

    Hi I am the holder of Bankwest platinum Mastercard I have been declined cover due to Hypertension Cerebrovascular disease. Carotid endarterectomy and TIA and depression can I still travel to Turkey in December and pay for travel insurance

    Jen's avatar
    JenJuly 23, 2014

    Hi,
    I am travelling to America in August and we will be hiring a car. It is not compulsory to get the collision damage waiver insurance or supplemental liability insurance in USA and I was wondering if the international travel insurance covers damage to other cars and people (third party) and the rental car?

      Shirley Liu's headshotFinder
      ShirleyJuly 24, 2014Finder

      Hi Jen,

      Thanks for your question.

      The Bankwest overseas travel insurance offers rental vehicle insurance excess cover. In the terms and conditions it states that, “We will reimburse you for any insurance excess or deductible which you become legally liable to pay in respect of a claim under the rental vehicle insurance during the rental period provided:
      •the rental vehicle must be rented from a licensed rental agency; and
      •as part of the rental agreement you have taken rental vehicle insurance; and
      •you have complied with all requirements of the rental organisation under the hiring agreement and of the rental vehicle insurer.

      But we will not pay for…
      We will not pay for your costs arising from:
      •loss or damage resulting from the operation of the rental vehicle in violation of the terms of the rental agreement; or
      • wear and tear, gradual deterioration, damage from insects or vermin, inherent vice or damage”.

      Cheers,
      Shirley

      Jen's avatar
      JenJuly 24, 2014

      Sorry but due to the American system of classifying the insurance I am confused. They offer supplemental insurance and collision damage waiver but it is optional it is not part of rental contract. So according to Bankwest statement it’s says will cover deductible or excess if insurance was purchased under rental agreement. But because it is not part of rental agreement it is optional are we covered for damages to other people/property while driving ? Many thanks

      Shirley Liu's headshotFinder
      ShirleyJuly 25, 2014Finder

      Hi Jen,

      Thanks for your question.

      For quality assurance, please direct your question to Zurich, who is the insurance provider for Bankwest.

      They will be able to give you an informed answer.

      Cheers,
      Shirley

    Bev's avatar
    BevJuly 21, 2014

    Hi I have paid for a cruise using my bankwest card. To be covered by the travel insurance do I need to tell you where and when I will be travelling and if so how do I do this. Thanks

      Shirley Liu's headshotFinder
      ShirleyJuly 22, 2014Finder

      Hi Bev,

      Thanks for your question.

      The insurance is automatically activated. However, if you make a claim you will need to show evidence that you’re eligible for the insurance.

      Cheers,
      Shirley

    julole's avatar
    juloleJuly 17, 2014

    Hi, I booked my international flight on my Bankwest Platinum Credit card on 3/12/2013. COuld you please tell me if the complimentary travel insurance covers the following:
    *helicopter rescue
    *air ambulance repatriation
    My trekking guide requires this information.

    I will be trekking in French Alps.
    Thanks, Julie

      Shirley Liu's headshotFinder
      ShirleyJuly 18, 2014Finder

      Hi Julole,

      Thanks for your question.

      The Bankwest terms and conditions don’t specifically states if you’ll be covered for air ambulance repatriation or air ambulance repatriation. Rather, it states the situations in which general exclusions could apply to you, e.g. “your participation in any kind of professional sport for which you obtain/are attempting to obtain financial gain, sponsorship or benefit from participating in or training for that sport.”

      Please refer to the booklet I’ve emailed you for more information, from page 20 onwards.

      Cheers,
      Shirley

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