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

    Linda's avatar
    LindaMarch 29, 2016

    Hi, were about to book a 14 day cruise from Singapore and flights fro, Perth .does the free insurance cover cruises ? And is diverticulitis covered as medical or does it require more insurance as pre existing conditions?
    If we add hotel in few days is it covered or does it all need to be paid for in one transaction ?

      Debbie's avatarFinder
      DebbieApril 1, 2016Finder

      Hi Linda,

      Thanks for your inquiry.

      Please note that you have come through to finder.com.au, a comparison website, and not Bankwest.

      We can confirm that traveling via cruise is covered provided that your travel tickets have been pre-paid using your card.
      Unfortunately, diverticulitis is not listed from the covered medical conditions on Bankwest’s travel insurance policy. You may need call or speak directly to Allianz to verify.

      If you are a Bankwest World MasterCard, Platinum MasterCard or Gold MasterCard cardholder, you will be covered if you:
      Spend at least A$500 of your prepaid travel costs (includes 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.

      To find out more about the insurance policy, please refer to the PDS I have sent in your email.

      I hope this helps.

      Cheers,
      Debbie

    barry's avatar
    barryFebruary 29, 2016

    barry
    we have booked a flight to the u/k plus hotels and car hire all paid for with my more world mastercard but since you switched to allianz
    iam finding the new rules confusing my main concern is if their is any
    age limit i am 79 and my wife is 74.

      Jonathan's headshotFinder
      JonathanMarch 1, 2016Finder

      Hi Barry, thanks for your inquiry!

      There is no age limit to be covered by this insurance policy although limits apply for pre-existing medical conditions.

      Cheers,

      Jonathan

    Kerrie's avatar
    KerrieFebruary 14, 2016

    I have purchased the tickets for an OS trip in June. Do I have to register that I have done this with the bank or is the cover automatic?

      Jonathan's headshotFinder
      JonathanFebruary 15, 2016Finder

      Hi Kerrie,

      Thanks for your inquiry!

      You will be automatically covered by this travel insurance when you meet the following eligibility criteria:

      -You are under 80 years of age.
      -You are travelling to an overseas destination.
      -You hold an eligible credit card at the time of loss (when the claim event occurs). Eligible credit cards include a Bankwest Gold, Platinum or World Mastercard that has been activated and is not cancelled or suspended.

      Your spouse and children are also eligible for cover if they meet these eligibility requirements and are travelling with you for your entire journey.

      Please make sure to read the eligibility criteria, features and details of the policy, as well as the relevant Product Disclosure Statement to ensure you are covered before you travel.

      Cheers,

      Jonathan

    Joe's avatar
    JoeFebruary 7, 2016

    I have a Bankwest Qantas world MasterCard. Does the complimentary travel insurance cover an overseas trip purchased with QF frequent flyer points and the taxes and charges as well as hotels were paid for using the card?

      Jonathan's headshotFinder
      JonathanFebruary 8, 2016Finder

      Hi Joe, thanks for your inquiry!

      The International Travel Insurance policy is available to Bankwest World MasterCard, Platinum MasterCard and Gold MasterCard cardholders. The cardholder’s spouse and/ or dependent children also become eligible for this travel insurance policy when they meet the eligibility requirements outlined below:

      Step 1. Purchase a return overseas travel ticket before leaving Australia

      Step 2. Spend at least A$500 of your prepaid travel costs (includes 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

      Step 3. Charge at least A$500 of your prepaid travel costs to your eligible credit card account and/ or; redeeming your Bankwest More Rewards points (excluding any points redeemed for Frequent Flyer programs); and/ or paying with redeemable travel agency flight vouchers obtained by converting your Bankwest More Rewards points.

      To answer your inquiry providing that your Qantas Frequent Flyer points have been obtained by converting your Bankwest More Rewards points into redeemable travel agency flight vouchers you will be covered under this policy. Otherwise you will have to meet the eligible prepaid travel costs by one of the methods mentioned above.

      Cheers,

      Jonathan

      joe's avatar
      joeFebruary 9, 2016

      Thank you. A point in your answer needs clarification. you answer states that the rule is to the effect that I have spent at least $500 “of” my travel costs. The rule in fact uses “on” and not “of”. The effect of this tiny change, read in the context of all relevant rules is to the effect that all costs must be put on the card as money or Bankwest More Rewards points or redeemable travel agency vouchers, but cannot be Frequent Flyer points, and that all these costs must amount to a minimum of $500. Allianz have advised that this is their interpretation. All very confusing and these rules should be written in plain English. Can you assist in having these rules clarified?

      Jonathan's headshotFinder
      JonathanFebruary 9, 2016Finder

      Hi Joe, thanks for your response.

      That is correct. Unfortunately frequent flyer points spending will not contribute towards the required $500 prepaid spend.

      Cheers,

      Jonathan

    Thomas's avatar
    ThomasNovember 4, 2015

    I would just like to confirm what the below clause under the rental vehicle excess cover means:

    “You have taken out comprehensive car insurance against loss or damage to the vehicle as part of the rental contract”

    If I take out comprehensive car insurance, why would I need the insurance provided under the Bankwest Platinum credit card? Doesn’t taking out an insurance beat the whole purpose of the excess cover on the credit card?

    Thanks,

    Thomas

      Jonathan's headshotFinder
      JonathanNovember 4, 2015Finder

      Hi Thomas, thanks for your inquiry!

      Taking out a comprehensive car insurance policy will insure you against paying the full amount of the repair, allowing you to instead pay an excess to cover the damages. The rental vehicle excess cover means that this excess amount that you would usually owe the insurance company will be covered by your credit card insurance policy.

      Cheers,

      Jonathan

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