NAB credit cards with complimentary international travel insurance offer comprehensive cover for up to 3 months with a Level 2 card and up to 6 months with a Level 1 card.
You'll get cover when you meet the requirements before travelling (e.g. by paying for your trip with the card).
Your spouse and dependants travelling with you can also get cover, but there are some requirements and exclusions.
Do you have a question or need to make a claim right now? Call the insurance provider, Allianz Global Assistance, on 1800 187 025 (from Australia) or +61 7 3305 8800 (from overseas).
Which NAB credit cards have complimentary travel insurance?
⚠️ Important: This guide is based on details in the NAB complimentary credit card insurance policies, effective 1 November 2023, with a particular focus on the Level 1 and Level 2 personal credit cards (PDF). This was the current version when we updated this guide, but you can also check for updates on the NAB website.
How to get cover with NAB credit card international travel insurance
Use your NAB credit card to pay for at least $500 of overseas travel costs before you leave Australia (e.g. your overseas airfare or accommodation bookings).
Have a return ticket to Australia before the start of your trip.
Meet the following residency and age requirements:
Permanently live in Australia or have a visa that entitles you to residency under the Migration Act (1958).
Be under 81 years of age at the time you meet the rest of these requirements.
Make sure your trip is for 3 consecutive months or less with a Level 2 Card (e.g. NAB Rewards Platinum) or up to 6 consecutive months with a Level 1 Card (e.g. NAB Qantas Signature). Trips over these length requirements won't be covered by this policy.
When you meet all of these requirements, cover is automatically available to you and eligible family members travelling with you (when they also meet the requirements).
Need written confirmation of cover? Use the “Check eligibility” tool online or call Allianz on 1800 187 025 for more details.
What's covered by NAB complimentary international travel insurance?
Here, we've broken down the key options for different types of claims and situations. But remember: you should always read the insurance policy booklet for complete details of the cover.
Medical, dental and emergencies cover with a NAB credit card
Benefit
Claim limit for people under 81 years of age
Excess payment (per claim)
Overseas emergency assistance (including medical evacuation and repatriation)
Unlimited
$0
Overseas emergency medical (except dental)
Unlimited
$400
Overseas emergency dental expenses due to sudden, acute pain in a natural tooth (toothache)
Up to a maximum total of $2,000 per person
$400
Hospital cash allowance
Up to $100 per person, per day, up to $15,000 total
Note: Any claims for dependants will come out of the limit for the cardholder or their spouse
$0
Assault requiring hospital admission
$500 per person
$0
Loss of income
Your verified income per week, up to a maximum total limit of $13,000 per cardholder or spouse (no cover for dependants)
$0
Permanent disability
$50,000 for a cardholder or spouse
Note: Any claims for dependants will come out of the limit for the cardholder or their spouse
$0
Additional expenses
Unlimited
$400
Example of when you might use this cover on an overseas trip
If you got sick overseas and had to go to hospital for a few days, you could get cover for costs related to:
Doctor's fees
Hospital fees
Changes in your travel plans
Just keep in mind that each travel claim is subject to an assessment and there may be excess payments if you're eligible for a payout.
NAB complimentary international travel insurance for cancellation, delays, accommodation and transport
Benefit
Claim limit for people under 81 years of age
Excess payment (per claim)
Cancellation
Up to a maximum of $50,000 per cardholder or spouse, except for:
Travel agents' cancellation fees: $2,000 or the level of commission or service fee earned on the booking by the travel agent (whichever is worth less)
Rescheduling your journey: Up to $75 per person, per day with a total of $500 for meals and up to $250 per person for internet and phone costs involved in the rescheduling
$400
Travel delay expenses (after 6 consecutive hours of delay)
Up to $500 per person for meals and accommodation expenses, up to a maximum claim amount of $2,000 per cardholder or spouse
Note: Any claims for dependants will come out of the limit for the cardholder or their spouse
$0
Domestic pet accommodation
Up to $500 per cardholder or spouse (including any related claims for dependants)
$0
Alternative transport
Up to $3,250 per cardholder or spouse
Note: Any claims for dependants will come out of the limit for the cardholder or their spouse
$0
Return home and resumption of journey due to a relative’s death or hospital admission
Up to $5,000 for a cardholder or spouse
Note: Any claims for dependants will come out of the limit for the cardholder or their spouse
$0
Rental vehicle excess
Rental vehicle damage or theft:
Level 1 Cards:Up to $10,000 for a cardholder or spouse Level 2 Cards:Up to $5,000 for a cardholder or spouse
Return of rental vehicle:
Up to $750 per cardholder or spouse
Note: Any claims for dependants will come out of the limit for the cardholder or their spouse
$400
Withdrawal of services (accommodation)
$50 per person for each subsequent 24-consecutive-hour period with a maximum total limit of $500 per cardholder or spouse
Note: Any claims for dependants will come out of the limit for the cardholder or their spouse
$0
⚠️ Keep in mind: Cancellations and other changes to your travel plans are only covered under specific circumstances. For example, if you missed a flight because you needed urgent medical treatment for a covered health issue.
Luggage and personal items cover offered with NAB credit card complimentary insurance
Benefit
Claim limit for people under 81 years of age
Excess payment (per claim)
Luggage
Note: Valuables left in a vehicle or in checked-in luggage won’t be covered
Up to $15,000 per cardholder or spouse (including related claims for dependants), with the following sublimits for specific items:
Computers, cameras, video cameras: Up to $4,000
Any other item (including phones): Up to $1,000
Covered items left in a vehicle during daylight hours: Up to $5,000
$400
Travel documents, transaction cards and traveller’s cheques
Re-issue or replacement costs: Up to $5,000 per cardholder or spouse
Fraudulent use of transaction cards or traveller’s cheques: Up to $5,000 per cardholder or spouse
Note: Any claims for dependants will come out of the limit for the cardholder and/or their spouse
$0
Luggage delay
After 10 hours: Up to $500
After 72 hours: Up to $1,000
There is a maximum total of $1,500 per cardholder or spouse (including related claims for dependants)
$0
Replacement sporting equipment
Up to $200
$0
Hijacking, personal liability, death and other cover offered with NAB complimentary credit card travel insurance
Claims under these benefits are less common and usually only apply in extreme circumstances. None of them have an excess payment but we have listed their claim limits.
Hijacking: Up to $10,000 per cardholder or spouse
Emergency accommodation due to terrorism: Up to $300 per day and a maximum of $3,000 per cardholder or spouse
Personal liability: Up to $2.5 million for Level 1 cards and up to 1 million for Level 2 cards
Legal expenses: Up to $15,000 per cardholder or spouse
Accidental death: $50,000 per cardholder or spouse, up to $25,000 per dependant and a maximum total of up to $150,000.
Funeral expenses: Up to $60,000 for a cardholder or spouse
Note: Unless a specific limit is listed for dependants, any claims related to them will come out of the limit for the cardholder and/or their spouse.
What's not covered?
Some of the key things you won’t be covered for with NAB credit card complimentary international travel insurance include:
If you don’t follow advice from any government, official body or mass media announcements
Issues related to drinking alcohol or taking non-prescription drugs
Travel that’s for the purpose of medical treatment
If you or your partner give birth during the trip, or there are complications arising after week 26 of the pregnancy
Dangerous activities including rock climbing (with equipment), white water rafting, bungy jumping, off-piste snowboarding or skiing and quad or motorbike riding if the engine has a capacity of 200cc or more
Does NAB complimentary credit card travel insurance cover COVID?
Yes, if you are diagnosed with COVID-19 or another epidemic/pandemic illness, this insurance offers cover for claims relating to:
Overseas emergency assistance
Overseas emergency medical
Cancellation
Additional expenses
If you're travelling with someone who tests positive for COVID-19, some cover is also available under the cancellation and additional expenses benefits.
⚠️ Remember: Check the NAB credit card insurance policy booklet or call Allianz on 1800 187 025 for more details about COVID-19 claims and any exclusions.
Does NAB credit card travel insurance cover family members?
Yes, your spouse and dependants (i.e. your children) can also get cover when they are travelling with you for at least 50% of your trip. They also need to meet the same travel booking requirements and other conditions of the insurance policy. Check the policy document for full details.
Pre-existing medical conditions
This travel insurance doesn’t automatically offer cover for any pre-existing conditions. But you can apply for an assessment of your pre-existing condition/s by calling Allianz Global Assistance on 1800 187 025.
If you are eligible, you will get written confirmation from Allianz that a pre-existing medical condition is covered. A $75 administration fee applies as part of this process.
What if I don’t apply or get approval for a pre-existing condition?
You won't get cover for any claims related to the pre-existing condition/s. This includes conditions that you've had professional treatment for and untreated conditions you're aware of before you travel.
Got a pre-existing health condition? Compare other travel insurance policies that offer cover for conditions including anxiety, high blood pressure and knee replacement.
How to make a claim through your NAB credit card complimentary international travel insurance policy
If it's an emergency, call Allianz on +617 3305 8800 when you're overseas or 1800 010 075 in Australia. You can also submit a claim online by following these steps:
Confirm you agree with the terms and conditions, then select "Create new claim"
Select the "Credit card insurance" option and provide details of your card
Fill in the details on the claim form and upload your supporting documentation
You will be contacted about your claim within 10 business days, according to the online claims website.
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 NAB card insurance policy booklet – plus anything that could become supporting documentation for claims.
Other types of NAB complimentary credit card travel insurance
Domestic travel insurance
What is it? Cover for specific issues that come up when you're travelling to a different state or territory in Australia. This includes:
Cancellation: Up to a maximum of $3,000.
Flight delay expenses: After 4 hours or more, $125 per person up to a maximum of $300.
Additional expenses: Up to $3,000.
Luggage: Up to $750 per covered item with a maximum of $2,000.
Luggage delay: After a delay of 12 hours or more, $150 per person up to a maximum of $400 for all claims combined.
When can I use it? If you have paid for your return domestic flight with your eligible NAB credit card before you leave. Or, if you have a return domestic flight and have paid for at least $250 domestic travel costs with your NAB credit card before you leave (such as accommodation).
Is there an excess cost? There is a $75 excess for cancellation, additional expenses and luggage claims.
Rental vehicle excess in Australia insurance
What is it? Cover for damage or theft of a car or other vehicle you have hired in Australia, up to a maximum of $5,000 for Level 2 cards and a maximum of $10,000 for Level 1 cards.
When can I use it? If you’ve used your NAB credit card to pay the full cost of the vehicle rental. The rental contract also needs to specify an amount that you would need to pay if the vehicle is damaged or stolen while you have it.
NAB credit card complimentary insurance for shopping
You can also get access to other types of insurance for items you buy with an eligible NAB credit card. Here's a basic explainer of each one:
Purchase protection insurance: Offers cover for up to 90 days when you buy a new item with your eligible card and it's then stolen, accidentally damaged or lost. It covers household and personal items such as jewellery, watches, glasses and new works of art. There is no excess but specific claim limits may apply.
Extended warranty insurance: Cover that doubles the manufacturer's warranty for items bought in Australia, up to a maximum period of 12 months.
NAB business credit card complimentary insurance options
NAB business credit cards offer complimentary unauthorised transaction insurance to help protect you if an additional cardholder uses the account for something that's not allowed.
Some NAB business credit cards also offer complimentary transit accident insurance. These are your options with different NAB business cards:
Yes. If you're going on a cruise or tour that requires proof of insurance, you can get a letter of eligibility online at www.checkyourcover.com.au/nab
How do I get cover with a NAB Platinum Visa Debit Card?
The NAB Platinum Visa Debit Card is classified as a Level 2 card, giving you access to complimentary insurace options including international travel insurance. If you have met the eligibility requirements, you can make a claim online at https://travel.agaassistance.com.au/nab/make-a-claim or by calling Allianz on +617 3305 8800 from overseas or 1800 010 075.
Amy Bradney-George was the senior writer for credit cards at Finder, and editorial lead for Finder Green. She has over 16 years of editorial experience and has been featured in publications including ABC News, Money Magazine and The Sydney Morning Herald. See full bio
Amy's expertise
Amy has written 565 Finder guides across topics including:
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The NAB Low Fee Card offers up to 44 interest-free days on purchases, a competitive annual fee and a low minimum credit limit.
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