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

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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

    Maria Bowdidge's avatar
    MariaNovember 16, 2018

    My husband has a Bankwest platinum credit card. Is he covered for full rental vehicle cover, including excess?

      Nikki Angco's avatar
      NikkiNovember 16, 2018

      Hi Maria,

      Thanks for getting in touch! The Bankwest Platinum Credit card covers Rental vehicle cover of $3000 and $250 for excess.
      Hope this was helpful. Don’t hesitate to message us back if you have more questions.

      Best,
      Nikki

    Rob's avatar
    RobSeptember 20, 2017

    “Continuing your trip after the death of a relative”-does this cover the instance if one is required to change/bring forward ones flight and other arrangements for the death of a relative at the intended destination? i.e. I have not yet started my trip.

      Arnold's avatar
      ArnoldSeptember 21, 2017

      Hi Rob,

      Thanks for your inquiry

      Yes, this does cover changes on your flight schedule and arrangements due to a death of a relative prior to the start of your trip.

      If you want to know how this works and what steps to take, please call Bankwest Insurance Hotline.

      Hope this information helps

      Cheers,
      Arnold

    Malcolm's avatar
    MalcolmApril 28, 2017

    My wife is going on a short 4 day cruise. I intend paying for it on my Bankwest credit card which has complimentary travel insurance attached.
    The card is in my name and she will be the one travelling.
    My question is will she be covered?

      Val's avatar
      ValJuly 2, 2017

      Does my Bankwest Platinum Mastercard complimentary travel insurance cover a 3 night sampler cruise departing & returning Sydney with no docking elsewhere?

      Rench's avatarFinder
      RenchJuly 2, 2017Finder

      Hi Val,

      Thanks for your inquiry. Please note that we are not affiliated with Bankwest or any company we feature on our site and so we can only offer you general advice.

      Traveling via cruise is covered provided that you have paid for your travel tickets using your Bankwest card.

      For Bankwest Platinum Mastercard cardholder, you will be covered if you:
      Spend at least $500 of your prepaid travel costs (includes the cost of return overseas travel ticket and/ or airport departure taxes; and/ or prepaid overseas accommodation/ travel; and/ or prepaid overseas itinerary items) by one or a combination of the following methods.

      Please contact Bankwest directly to confirm info and for further inquiries.

      Cheers,
      Rench

      Debbi's avatar
      DebbiMay 23, 2017

      I am the additional card holder on my husbands credit card, I am travelling without him, am I entitled to travel insurance?

      jonathan.chan@findercrew.com's avatar
      jonathan.chan@findercrew.comMay 24, 2017

      Hi Debbi!

      Thank you for the comment.

      As stated in the PDS of the Bankwest complimentary travel insurance, the “spouse and dependents” should be travelling with the primary cardholder for the entire journey and meet all the other eligibility criteria stated above. Otherwise, you may not get the complimentary travel insurance cover.

      Hope this answers your question.

      Regards,
      Jonathan

      Liezl's avatar
      LiezlApril 28, 2017

      Hi Malcolm,

      Thank you for your question.

      I’m afraid she’ll not be covered if she’s not travelling with you on the same itinerary for the entire journey. This is one of the eligibility criteria for this complimentary travel insurance. For more information on this travel insurance, you can refer to the PDS I have sent to your email.

      Best regards,
      Liezl

    Diane's avatar
    DianeMarch 1, 2017

    Does BankWest credit card travel insurance cover vehicle insurance excess in Australia?
    Also if pay for accommodation at beginning of holiday will that activate travel insurance as Airfares were paid for by another person.

      May's avatarFinder
      MayMarch 12, 2017Finder

      Hi Diane,

      Thank you for your inquiry.

      Unfortunately, the rental vehicle excess cover included in the Bankwest Credit Card Complimentary Insurance is only available for your trip overseas. You would also be eligible for the complimentary international travel insurance if you spend at least $500 of your prepaid travel expenses with an eligible Bankwest credit card and you meet all other criteria mentioned above.

      Cheers,
      May

    Speck's avatar
    SpeckFebruary 11, 2017

    What are frequent flyer points on Platum Card,how to use

      Anndy Lou's avatar
      AnndyFebruary 12, 2017

      Hi Speck,

      Thanks for your question.

      We have different platinum credit cards on our panel and the rewards or frequent flyer points that you’ll earn with the card also differ.

      You may want to check the list of platinum credit cards on our website and check what frequent flyer points you can earn with each card.

      Open that link and you’ll find a table that helps you compare platinum credit cards based on various details aside from the frequent flyer program they come with. If you wish to learn more or want to know how to use them, select the “More info” link found on the same table. Once you’re done comparing, you can then select the “Go to Site” button to be redirected to your chosen provider’s official website.

      I recommend that you check the details of the credit card you’re interested in, its eligibility criteria as well as the Product Disclosure Statements/Terms and Conditions before you apply.

      Also if you can, contact first the issuing bank and discuss your options and chances of approval before you send anything final for your application. Just apply for one credit card at a time and ensure your eligibility before submitting your final application. This way you can avoid credit enquiries on your file.

      I hope this helps. Should you have further questions, please don’t hesitate to reach out again.

      Have a wonderful day!

      Cheers,
      Anndy

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