| Card | International travel insurance | Domestic travel insurance | Rental vehicle excess in Australia insurance | Purchase protection insurance | Extended warranty insurance |
|---|---|---|---|---|---|
| NAB Rewards Signature Card | Yes, for up to 6 consecutive months (Level 1 Card) | Yes | Yes | Yes | Yes |
| NAB Qantas Rewards Signature Card | Yes, for up to 6 consecutive months (Level 1 Card) | Yes | Yes | Yes | Yes |
| NAB Qantas Rewards Premium Card | Yes, for up to 30 consecutive days (Level 2 Card) | Yes | Yes | Yes | Yes |
| NAB Low Fee Card | No (Level 3 Card) | No | No | Yes | No |
| NAB Rewards Platinum | No (Level 4 Card) | No | No | Yes | Yes |
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.
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.
| Benefit | Claim limit for people under 81 years of age | Excess payment (per claim) |
|---|---|---|
| Overseas emergency assistance (including medical evacuation and repatriation) | $20 million | $0 |
| Overseas emergency medical (except dental) | $20 million | $600 | Overseas emergency dental expenses due to sudden, acute pain in a natural tooth (toothache) | Up to a maximum total of $2,000 per person | $600 |
| 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 | Up to a maximum total limit of $200,000 | $600 |
If you got sick overseas and had to go to hospital for a few days, you could get cover for costs related to:
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.
| Benefit | Claim limit for people under 81 years of age | Excess payment (per claim) |
|---|---|---|
| Cancellation | Up to a maximum of $25,000 per cardholder or spouse, except for:
| $600 |
| 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 | $600 |
| 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 |
Level 1 Cards: Up to $10,000 for a cardholder or spouse
Up to $750 per cardholder or spouse Note: Any claims for dependants will come out of the limit for the cardholder or their spouse | $600 | 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.
| 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 | $600 |
| 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 |
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.
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.
Some of the key things you won’t be covered for with NAB credit card complimentary international travel insurance include:
Yes, if you are diagnosed with COVID-19 or another epidemic/pandemic illness, this insurance offers cover for claims relating to:
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.
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.
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.
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.
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:
You will be contacted about your claim within 10 business days, according to the online claims website.
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:
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.
Call Allianz on 1800 187 025. You can also download a claim form from https://travel.agaassistance.com.au/nab/make-a-claim or email cardclaims@allianz-assistance.com.au but may have to wait longer for a response.
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:
Don’t have complimentary insurance on your credit card yet? Compare NAB credit cards or other cards that offer insurance.
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:
| Card | Transit accident insurance | Unauthorised transaction insurance |
|---|---|---|
| NAB Rewards Business Signature Card | ||
| NAB Qantas Business Signature Card | ||
| NAB Low Rate Business Card | ||
| NAB Business card |
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
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.
The NAB Low Rate credit card offers cost-saving features, including a $0 annual fee for the first year, and a low interest rate on balance transfers and purchases.
The NAB Rewards Platinum credit card offers up to 90,000 bonus Velocity Points and other perks.
The NAB Rewards Signature offers up to 80,000 bonus points, a monthly fee waiver if you meet the spend requirement and no foreign transaction fees.
The NAB Rewards Business Signature lets you earn points as you manage your business expenses and offers exclusive business travel and retail deals from Visa.
A premium frequent flyer credit card offering up to 130,000 bonus Qantas Points, $250 cashback and complimentary insurance covers.
Offers up to 110,000 bonus NAB Rewards Points, up 3 points per $1, premium perks and $0 international transaction fees.
With up to 100,000 bonus NAB Rewards Points, a balance transfer offer and other perks, is this NAB card right for you?
See if the NAB Qantas Business Signature card's features match you business goals, with up to 200,000 bonus Qantas Points, concierge service and a $295 annual fee.
You'll get a complimentary Qantas Frequent Flyer membership, Qantas Points for your everyday purchases and 5 complimentary insurance covers with the NAB Qantas Rewards Premium Card.
The NAB Low Rate credit card offers cost-saving features, including a low interest rate on balance transfers and purchases.