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.

Amy Bradney-George's headshot

By

Amy Bradney-George

Edited by

Joelle Grubb

Updated

Fact checked
4.6 based on 835 reviews

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.
Amy Bradney-George's headshot
Journalist
Add to Preferred Sources

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

Amy's expertise
Amy has written 425 Finder guides across topics including:
  • Credit cards
  • Frequent flyer
  • Credit score
  • BNPL
  • Money management
  • Sustainability
More resources on Finder

Get rewarded $$ for switching with Finder Rewards

Find a better deal, save on your bills and get a free gift card. Sign up to be the first to hear about new Finder Rewards.

Ask a question

You are about to post a question on finder.com.au:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com.au is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms Of Service and Finder Group Privacy & Cookies Policy.

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.

145 Responses

    Pina's avatar
    PinaJuly 15, 2014

    I’m travelling to Europe soon and gave bought my return tickets on my platinum card, but I am concerned about “relatives”! My parents are aged 82 and 86, they both have health issues but not terminal. If anything does happen while I am away will I be covered if I need to come back home? Thank you

      Shirley Liu's headshotFinder
      ShirleyJuly 16, 2014Finder

      Hi Pina,

      Thanks for your question.

      It depends on the situation as to why you are required to cancel your trip. I’ve emailed you the policy document covering what is included and excluded, from page 36 onwards.

      Cheers,
      Shirley

    Roy's avatar
    RoyJuly 6, 2014

    I find the and/or parts of the eligibility requirement for international travel insurance confusing.

    I am about to pre-pay more than $6,000 on a cruise for myself and my wife leaving from Australia and returning to Australia. I have already paid a deposit of $1,000 i.e. $500 each using my BankWest Platinum credit card. Do I have to pay the balance using the card, or is the amount already paid ($1,000) sufficient for international travel insurance eligibility?

      Shirley Liu's headshotFinder
      ShirleyJuly 7, 2014Finder

      Hi Roy,

      Thanks for your question.

      The International Travel Insurance Policy is offered to Bankwest Gold or Platinum credit cardholders who use their eligible card account to buy their return travel tickets before they leave Australia; that is, if they purchase 100% of their return travel ticket costs with the eligible card.

      Cheers,
      Shirley

      Roy's avatar
      RoyJuly 7, 2014

      Thank you for your reply.

      I needed a quick answer to my question so, while waiting for your response, I rang Zurich Insurance. They gave me information contrary to your reply.

      They told me it is necessary to have purchased the return fare prior to leaving Australia but it is not necessary to use the BankWest credit card for that e.g. it could be paid in cash or another method. But it is necessary to have used the card for at least $500 prepayment of travel costs.

      Can you please validate this or otherwise asap?

      Shirley Liu's headshotFinder
      ShirleyJuly 8, 2014Finder

      Hi Roy,

      Thanks for your question.

      It’s a bit different to what they’ve mentioned in the fine print; it states that, “they pay these costs by one (or a combination) of the following methods: by charging to their eligible credit card account; and/or by redeeming their Bankwest More Reward points (excluding any points redeemed for Frequent Flyer programs); and/or by paying with redeemable travel agency flight vouchers that were obtained by converting their Bankwest More Reward points”.

      I’ve also emailed you the booklet I’m looking at, page 28.

      Cheers,
      Shirley

    Kim's avatar
    KimJune 30, 2014

    Is that a minimum amount spend on airfare to be eligible for the insurance cover?

    Does the cover apply only if the flight departs and return to Australia?

      Shirley Liu's headshotFinder
      ShirleyJuly 1, 2014Finder

      Hi Kim,

      Thanks for your question.

      There is no minimum spend, as long as you purchase your return plane ticket to and from and Australia with the eligible card prior to leaving Australia.

      Cheers,
      Shirley

    Roger's avatar
    RogerJune 2, 2014

    HI, I have booked a return ticket from Brisbane to Cairns, will I be covered under this policy ?
    Thanks Roger

      Shirley Liu's headshotFinder
      ShirleyJune 2, 2014Finder

      Hi Roger,

      Thanks for your question.

      Please refer to the information above to determine what types of cover you’ll be eligible for. You may be eligible for Interstate Flight Inconvenience Insurance.

      Cheers,
      Shirley

      Roger's avatar
      RogerJune 2, 2014

      So does it mean Iam not covered as Brisbane and Cairns in the same state ? I am too clear about the definition of ‘interstate’ ?

      Shirley Liu's headshotFinder
      ShirleyJune 3, 2014Finder

      Hi Roger,

      Thanks for your question.

      Interstate is defined as “interstate flight means travel on a registered passenger airline (but not charter trips) from any mainland Australian state or territory or from Tasmania, to any other mainland Australian state or territory, or from any mainland Australian state or territory to another mainland Australian state or territory or to Tasmania” in the terms and conditions.

      I’ve emailed you a copy as well so you use it as a reference. If you have any question about the policy please speak to Zurich Insurance.

      Cheers,
      Shirley

    Fred's avatar
    FredMay 28, 2014

    Thanks Shirley for such a detailed and clear response. The site did not charge a cancelation fee. They just kept my $65 for one night in Bangkok. Can I therefore claim the $65 or is it limited to 15 per cent.I am in Thailand or I’d ring the insurance. Thanks Fred

      Shirley Liu's headshotFinder
      ShirleyMay 29, 2014Finder

      Hi Fred,

      Thanks for your question.

      Unfortunately I can’t tell you whether your claim will be approved or not. Please contact the insurance provider if you’d like to make a claim.

      Cheers,
      Shirley

More guides on Finder

  • Bankwest More World Mastercard

    Earn reward points as you spend, plus benefit from complimentary overseas travel insurance and 10 yearly airport lounge visits with the Bankwest More World Mastercard.
  • Bankwest More Rewards

    Bankwest More credit cards earn reward points on your everyday spending and each year you have the card – so how much value can you get?
  • Bankwest Qantas World Mastercard

    Compare the features and costs of this card, including uncapped points for everyday spending, 0% foreign transaction fees on overseas and online purchases plus complimentary insurance covers.
  • Bankwest Qantas Platinum Mastercard

    Earn Qantas Points as you spend and pay no foreign transaction fees with the Bankwest Qantas Platinum Mastercard.
  • Bankwest Breeze Platinum Mastercard

    The Bankwest Breeze Platinum Mastercard offers 0% p.a. on balance transfers for 24 months, 0% foreign transaction fees and complimentary overseas travel insurance.

  • Bankwest Zero Platinum Mastercard

    The Bankwest Zero Platinum Mastercard has a $0 annual fee and 0% foreign transaction fees while boasting extras such as 0% purchase and balance transfer offers.
Go to site