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Suncorp credit card complimentary travel insurance

The Suncorp Clear Options Platinum Credit Card offers cover for eligible trips overseas and in Australia – here's what you need to know.

  • Do you have a question or need to make a claim right now? Call Allianz on 1800 072 791 or +61 7 3305 7499.

Which Suncorp credit cards have complimentary travel insurance?

Right now, Suncorp's platinum credit card is the only one with complimentary travel insurance but you can get other types of insurance with a gold Suncorp credit card. Here's a look at your options:

Suncorp Clear Options Platinum Card

Suncorp Clear Options Platinum Credit Card
Offers:

  • International travel insurance
  • Domestic travel insurance
  • Rental vehicle excess insurance
  • Extended warranty insurance
  • Purchase protection insurance

Read more

Suncorp Clear Options Gold Card

Suncorp Clear Options Gold Credit Card
Offers:

  • Purchase protection insurance
  • Extended warranty insurance

Does not offer:

  • International travel insurance
  • Domestic travel insurance
  • Rental vehicle excess insurance

Read more

⚠️ Important: This guide is based on details in the Suncorp description of complimentary credit card insurance cover, effective 1 June 2022 (PDF). This was the current version when we updated this guide, but you can also check for updates on the Suncorp Bank website.

How to get cover with Suncorp credit card international travel insurance

  1. Have an active, eligible Suncorp credit card in your name at the time of your booking.
  2. Book your overseas travel ticket before you leave Australia, by:
    • Paying for the overseas travel ticket with your eligible Suncorp credit card.
    • Using Suncorp Rewards Points to book your overseas travel ticket.
    • Getting the travel ticket through the airline Take Flight Program.
  3. Make sure your trip is for 6 consecutive months or less. Trips over 6 months long won't be covered by this policy.

The cover is automatically available to you and eligible family members when you meet these requirements. If you need further details or want confirmation of cover, call Allianz on 1800 072 791.

What's covered by Suncorp 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 Suncorp credit card

BenefitClaim limitExcess payment (per claim)
Overseas emergency assistanceUnlimited$0
Overseas emergency medicalUnlimited except for emergency dental$200
Overseas emergency dental expenses due to sudden, acute pain (toothache)$1,250 per person$0
Hospital cash allowance$110 per day with a limit of $13,000 per person up to a maximum total limit of $16,500 for a cardholder travelling with their spouse and/or dependants$200
Assault requiring hospitalisation$500 per person$0
Loss of incomeYour verified income up to $1,250 per person per week for a cardholder and spouse, limited to up to 3 consecutive months incapacity and a maximum total limit of $12,000$0
Additional expensesUnlimited, except for resumption of journey, travel delays and alternative transport (covered in next table)$0
Example of when you might use this cover on an overseas trip

If 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.

Suncorp complimentary international travel insurance for cancellation, delays and transport

BenefitClaim limit Excess payment (per claim)
CancellationUnlimited except:

Travel agents cancellation fees: $500 or 15% of the value of the travel arranged by the agent (whichever is worth less)

Travel services provider insolvency: $5,000 per person up to a maximum total limit of $12,000 for a cardholder travelling with their spouse and/or dependants

Death of parents or grandparents living overseas: $5,000 for a cardholder travelling with a spouse and/or dependants

Travel services provider insolvency: $200

Death of parents or grandparents living overseas: $200

Travel delayUp to $475 per person for meals and accommodation, with a maximum total limit of $1,100 for a cardholder travelling with their spouse and/or dependants$0
Missed connection Up to $80 per person, with a maximum total limit of $300N/A
Alternative transportUp to a maximum total limit of $2,500$200
Resumption of journey (including following the death of a relative)Up to $6,000 per person up to a maximum total limit of $12,000 for a cardholder travelling with their spouse and/or dependants$200
Rental vehicle excessUp to a maximum total limit of $2,750N/A

⚠️ 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 Suncorp credit card complimentary insurance

BenefitClaim limitExcess payment (per claim)
LuggageUp to $16,000 per person with a maximum total limit of $32,000 for a cardholder travelling with their spouse and/or dependants, subject to the following limits:
  • Up to $5,000 per item for baggage, clothing, personal valuables, portable electrical equipment and binoculars
  • Up to $5,000 per camera for cameras and associated equipment/accessories
  • Up to $5,000 in total for laptop computers and associated equipment/accessories
$200
Travel documents, transaction cards and traveller's chequesUp to $600 per person up to a maximum total limit of $1,100 for a cardholder travelling with their spouse and/or dependantsN/A
Luggage delayUp to $500 per person up to a maximum total limit of $1,000 for a cardholder travelling with a spouse and/or dependants$200
Key notes for this cover
  • Sporting goods aren't covered when they're in use.
  • Valuables left in a vehicle or placed in check-in typically won't be covered.
  • Separate limits apply for business items and valuables left unattended in a vehicle (if they're eligible for cover).

Hijacking, personal liability, death and other cover offered with Suncorp 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 and detention: $250 per day up to a maximum total limit of $5,000
  • Personal liability: Up to a maximum total limit of $2,250,000
  • Accidental death: $50,000 per cardholder, $25,000 per spouse and $5,000 per dependant
  • Funeral expenses: Up to a maximum total limit of $20,000

What's not covered?

Some of the key situations that aren't covered by Suncorp's complimentary credit card insurance include:

  • Any epidemic or pandemic
  • If the purpose of your trip includes getting medical treatment
  • Dangerous activities, including rock climbing, white water rafting, bungy jumping, skydiving, water skiing, off-piste snow skiing and professional sports
  • Government interference with your travel plans
  • Acts of terrorism

⚠️ Remember: Check the Suncorp card insurance policy booklet or call Allianz on 1800 072 791 for more details about exclusions.

If you need cover for a skiing trip, bungy jumping or other overseas adventures, check out adventure sport travel insurance costs and conditions.

Does Suncorp 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 your 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 complimentary international travel insurance automatically covers a limited number of pre-existing medical conditions when you meet the requirements, including:

Pre-existing medical conditionConditions for cover
AsthmaIf you have not needed treatment for it from a medical adviser in the past 12 months.
Coeliac diseaseIf your condition has not required treatment by a medical adviser in the last 6 months.
Diabetes/glucose intoleranceIf you were diagnosed more than 12 consecutive months ago and have not had any complications in the last 12 consecutive months. You must also:
  • Have a blood sugar level reading between 4 and 12 or a HbA1C score of 9% or less.
  • Are not currently undergoing treatment for kidney, eye or nerve complications.
Hypertension (high blood pressure)If you have no known heart conditions and your current blood pressure reading is lower than 165/95.
Single pregnancy up to and including 26 weeksIf there are no existing complications related to the pregnancy and the pregnancy was not medically assisted.

⚠️ Keep in mind: Every travel insurance policy has its own definition and details about pre-existing conditions. You'll find full details in the Suncorp credit card complimentary travel insurance policy document.

What if I don't meet the requirements or have a different pre-existing condition?

Call Allianz on 1800 072 791 to check if you can use this insurance. You may be able to get written confirmation from Allianz that a pre-existing medical condition is covered, although be aware that additional fees may apply.

Otherwise, you won't get cover for any pre-existing conditions that cause issues. 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 Suncorp credit card complimentary international travel insurance policy

If it's an emergency, call Allianz on +61 7 3305 7499 when you're overseas or 1800 072 791 in Australia. Then, submit a claim as soon as possible by following these steps:

  1. Go to the Allianz online claim portal at https://claimmanager.com.au/aga/agreement
  2. Confirm you agree with the terms and conditions, then click "Create new claim"
  3. Select the "Credit card insurance" option and provide details of your card
  4. Fill in the details on the claim form and upload your supporting documentation

You will hear back 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 Suncorp card insurance policy booklet – plus anything that could become supporting documentation for claims.

Other types of Suncorp 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. For example, cancelled return flights, flight delays of 4 hours or more and delayed or lost luggage.
  • When can I use it? If you have paid for your return domestic flights with an eligible Suncorp credit card and are travelling for no more than 14 days in a row.
  • Is there an excess cost? There is a $200 excess for cancellation 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 $2,250. This cover is included as part of the domestic travel insurance benefits in the Suncorp credit card complimentary insurance policy document.
  • When can I use it? If you meet the requirements for domestic travel insurance and the vehicle hire agreement includes an excess cost.
  • Is there an excess cost? No.

How to make a claim under one of these policies

Call Allianz on 1800 072 791 or submit your claim through the Allianz online claim portal at https://claims.agaassistance.com.au/.

Suncorp credit card complimentary insurance for shopping

Suncorp credit cards give you access to other types of insurance for items you buy. Here's a basic explainer of each one:

  • Purchase protection 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.

Don't have complimentary insurance on your credit card yet? Compare Suncorp credit cards or check out other cards that offer insurance.

Frequently asked questions

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10 Responses

    Default Gravatar
    MargaretAugust 1, 2019

    What is’ Take flight program’ in regard to credit card insurance.

      AvatarFinder
      FayeAugust 2, 2019Finder

      Hi Margaret,

      Thanks for contacting Finder.

      The Take Flight Program is the service which allows the redemption of Points for travel Rewards. Please ensure that you use the Take Flight Program to get your ticket.

      I hope this helps.

      Regards,
      Faye

    Default Gravatar
    ColleenFebruary 15, 2017

    I believe that international insurance is recommended for domestic cruises. Does the platinum card cover this?

      AvatarFinder
      MayFebruary 16, 2017Finder

      Hi Colleen,

      Thank you for your question and for contacting finder.com.au – we are a financial comparison website and general information service designed to help consumers make better decisions. Please note that we are not affiliated with any company we feature on our site.

      I’m afraid that the complimentary travel insurance attached to the Platinum Card holders would not be available for domestic cruises. The full and comprehensive complimentary international travel insurance is outlined in the PDS. For your reference, I emailed you the page where you can find the link to the PDS.

      Cheers,
      May

    Default Gravatar
    Mr.October 30, 2016

    Is there an age limit for an travel insurance ?

      AvatarFinder
      JasonNovember 1, 2016Finder

      Hi Mr. Scholz.

      Thank you for your inquiry.

      There was no age limit expressed in the credit card insurance terms and conditions. You may get in touch with Allianz Global Assistance on 1800 072 791 to confirm the age eligibility.

      Cheers,
      Jason

    Default Gravatar
    RichardSeptember 13, 2015

    what is the contact number for Zurich assistance if we need to contact them while in U.S.

      AvatarFinder
      JonathanSeptember 14, 2015Finder

      Hi Richard, thanks for your inquiry!

      Please refer to the link I have sent to your email for the contact page and emergency contact numbers which you can contact whilst overseas.

      I hope this has helped.

      Cheers,

      Jonathan

    Default Gravatar
    leonieJuly 17, 2015

    Who do we contact if we need to make a claim?

      AvatarFinder
      JonathanJuly 20, 2015Finder

      Hi Leonie,

      Thanks for your inquiry.

      The issuer of insurance for Suncorp bank is Zurich Australian Insurance Limited. Please note that neither Citibank (which is the credit issuer for Suncorp) nor Suncorp is the issuer of insurance covers, so if you need to file a claim please contact Zurich Insurance directly.

      I hope this answers your question.

      Cheers,

      Jonathan

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