| Credit card company | Insurance provider | Maximum age for standard coverage |
|---|---|---|
| American Express | Chubb | 79 |
| ANZ | Allianz | 80 |
| Bankwest | Cover-More | 79 |
| Bank of Melbourne | Allianz | 80 |
| CommBank | Cover-More | 79 |
| MyCard | Allianz | 80 |
| NAB | Allianz | 80 |
| St.George | Allianz | 80 |
| Virgin Money | Allianz | 80 |
| Westpac | Allianz | 80 |
* Current as of 5 December 2025
Travel insurance through your credit card is free. And even if you have to pay an extra premium it will likely be cheaper than a standalone policy.
But a standalone policy designed for older Australians is your only option if you're older than 79 or 80. And depending on your needs a more tailored, separate policy could give you much better cover.
A free policy through your credit card isn't much good if you're not covered.
"Unless you work at Finder, reading the details of your credit card's travel insurance policy is the last thing you want to do. But if you're older than 65 and have pre-existing conditions you should. In fact, anyone using their card's travel insurance should at least know what they're covered for and how to activate the cover (it's not always automatic). "
Complimentary travel insurance has the potential to save you hundreds of dollars on buying a policy, but age requirements and exclusions can limit the value of this credit card extra for seniors, and for anyone with pre-existing conditions.
By comparing these requirements and the cost of the card with standalone travel insurance policies, you can find a credit card and travel cover that works for you.
| Response | |
|---|---|
| I've never used credit card insurance | 61.81% |
| Travel insurance | 29.47% |
| Purchase insurance | 9.34% |
| Rental car insurance | 9.07% |
| Extended warranty insurance | 7.28% |
| Transit accident insurance | 4.13% |
| Other | 0.72% |
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I am 82 years and my wife is 72 years, can I have my credit card travel insurance endorsed to cover me with payment of an extra premium charge, so we are both covered for International travel.
Hi George,
Unfortunately, most comprehensive credit card travel insurance policies only cover people up to a maximum of 75-80 years of age (depending on the policy). If you have a credit card with travel insurance, you can call the insurance provider to see if there is an option to pay for additional cover. You can also compare travel insurance policies for people aged over 75, which could provide cover for both you and your wife. I hope that helps.