Review: Diners Club Personal and Business Cards Complimentary Insurance Cover

If you are a Diners Club customers you could be offered complimentary insurance with their personal or business cards.

When you hold a Diners Club Charge Card there are several types of policies designed to protect your person as well as your belongings and purchases.

This guide will provide you with all the pertinent information regarding the complimentary cover you get.

To make a claim

For claims and/or general enquiries call 1800 072 791, 9am - 5pm


If you hold a Diners Club card, whether it is a personal or a business card, you also receive access to certain covers free of charge, though terms and conditions do apply. Thus, when using your card, you will have the peace of mind knowing that you and your belongings are being protected against the occurrence of certain events, like having your belongings stolen or being involved in an accident or requiring medical treatment.

Thanks to Diners Club, though, you don't have to worry about protecting yourself or your belongings. You simply have to use your card to pay for your trip or your purchases and you will automatically receive protection and be compensated for various expenses and events, giving you the peace of mind you need to focus on your trip rather than worrying about any adverse events that might occur.

Of course, like with any insurance policy, even if it is complimentary, it's mandatory that you know what the terms and conditions of protection are. This is because there are certain steps you can take to reduce the risk of any claim you need to file being rejected. There are also certain situations in which there is no cover available and it's imperative that you are aware of said conditions so that you can get further insurance if you feel it is necessary.

This document will not only outline the benefits that are part of each policy and the compensation limits but will also look at the exclusions relevant to each benefit as well as those that apply overall, above and beyond the specific ones.

Overseas Travel Insurance

The overseas travel insurance policy attached your Diners Club card will protect you while you are travelling abroad. However, first you need to make sure you actually get coverage, which means you need to fulfil certain conditions.

How can I ensure eligibility for the overseas travel insurance policy?

For the overseas travel insurance policy to apply, you need to have purchased a return travel ticket, regardless of the form of transportation being used, to a destination outside of Australia. The ticket must be purchased using your card.

Furthermore, you also have to cover a minimum of $1,000 of any trip expenses you have to pay in advance and these costs must be paid for using your Diners Club card. These expenses can be:

  • The price of your travel ticket
  • Airport or departure fees
  • Lodging arrangements you had to pay for in advance
  • Any other expenses related to your trip that must be paid for in advance.

Note that if your family will be travelling with you, they might also be protected by this insurance policy. To ensure this happens, they also need to hold return tickets before leaving the country and you must have also paid the same amount in pre-arranged travel expenses for your spouse and each dependent child travelling with you. Keep in mind that the payments have to be made via your Diners Club card.

What do I need to know about pre-existing medical problems?

If you are travelling abroad and have a pre-existing medical issue, you have the option of submitting an application to get coverage for your condition. You will have to get in touch with the insurance company and will be subjected to an assessment performed by a medical practitioner. Note that there is no guarantee that the insurer will agree to offer you coverage, but if they do, you will have to cover the cost of an administrative fee.

Subsequently, you will receive a letter from the insurer stating that you are covered for events arising due to your pre-existing medical problem for the specific trip you are taking.

If you have not gone through the above procedure or your application was denied, keep in mind that you will not be covered for any problem that is the result of your pre-existing medical issue or that of a relative or the person travelling with you. Note that even if the event was not the direct result of your medical problem but could be even vaguely linked to it, there's a good chance your claim will be denied.

It's also important to know that you aren't permitted to request coverage for a pre-existing medical issue for the person accompanying you on your trip or any of your relatives.

If you are pregnant, it's important that you are aware of the fact that the insurer will not compensate you for any costs related to the natural progress of your pregnancy as well as any effects of your condition. This includes things like recurring or standard medical check-ups and tests, like an ultrasound as well as the actual birth of the child.

On the other hand, you will be compensated for any medical costs that are the result of an unforeseen problem with your pregnancy or with the birth that would otherwise have coverage under the terms of the policy. Note that this does not mean that the child you give birth to while on your trip will be covered.

Coverage offered by the overseas travel insurance policy

Following are all the different types of coverage offered by the overseas travel insurance policy. From medical costs and losing personal belongings to having to cancel your trip and personal liability, this comprehensive travel insurance policy can safeguard your journey.

Medical and hospital charges you incur on your visit abroad

While you are visiting another country, this policy protects you and ensures you will be reimbursed for any medical and hospital charges you have to cover.

Note that if the insurer feels your situation is too complicated to allow you to remain overseas for treatment, they can choose to have you transported back to Australia to receive further care. The problem is that the insurer that underwrites this policy is not certified to cover your medical and hospital fees in Australia, which means you would have to rely on your private health insurance policy or on Medicare. However, if you decide not to come back to Australia, the insurance company will no longer make payments on any subsequent medical and hospital expenditure.

In terms of medical or hospital charges, the insurer will cover costs related to:

  • Treatment of a medical, paramedical or surgical nature;
  • Any other type of therapy or medication a certified and qualified medical professional prescribes;
  • Expenditure related to an ambulance service, hospitalisation or your stay in a nursing home;
  • Your urgent transportation to Australia or another destination if there are no medical facilities where you are or if the medical services available are lacking.

As usual, there are terms and conditions that apply. Thus, you will be reimbursed for these expenses only if you get sick or are wounded during the timeframe when the policy applies and only if the wound was the result of unexpected physical force.

Furthermore, you will be reimbursed for any medical fees if the following conditions are met:

  • These fees were accrued abroad, while you were on your voyage;
  • You are the person who is liable for their payment;
  • You can provide the insurance company with certification from a recorded and authorised medical professional as evidence of your medical issue as well as the form of therapy required for said problem;
  • The insurance company feels that the amount of money spent was acceptable and the expenditure was realistically required.

This section of the policy further stipulated that you can also be compensated for:

  • Ongoing hospitalisation charges and medical fees that you incurred while abroad after the end of your trip, as long as you couldn't come back to Australia after the end of your travels due to the sickness you contracted or the wound you suffered during the coverage period. These costs will be paid for by the insurance company for a maximum of 12 months after you initially contracted the illness, were wounded or became immobilised;
  • Supplementary costs you incur during your confinement in a hospital abroad as long as you are a bed care patient and the insurance company has agreed to cover your medical and hospital charges. These costs could include purchasing newspapers, making phone calls or renting a television.
  • Urgent dental care if you can provide a written confirmation from the dentist who treated you that you needed treatment because you were in agony and it was due to an unforeseen issue;
  • The travel costs of a friend or family member if you need to be accompanied back to your home in Australia in the event that:
  • You are wounded or have fallen extremely ill during the coverage period;
  • You can provide the insurance company with written confirmation from a certified medical professional that you need to be accompanied;
  • The insurance company's medical team is in agreement that you need to be escorted home.

Note that the costs related to a person coming to get you and return you home will be reimbursed to the person who actually pays for them.

There are also situations where you are not insured for medical and hospital charges. Therefore, any expenditure that was incurred due to any of the following will not be covered:

  • A previous medical problem unless you have obtained consent in writing and in advance from the insurance company and you have made the payment to cover the administration fee;
  • Treatment by a dentist required because of tooth decay or deterioration or treatment that uses precious metals;
  • Any problems that are the results of AIDS, ARC, HIV or any associated issues, regardless of how you contracted the disease;
  • A sexually transmitted illness;
  • Any disease contracted while administering or taking a drug, unless said procedure is performed under the direct supervision of a certified medical professional and the illness in question does not form part of any other exclusion named in the policy;
  • You hurt yourself on purpose.

You will also not be able to receive compensation for any medical or hospital charges that:

  • You can claim from a private medical fund or a comparable government program;
  • Were incurred in Australia;
  • Were incurred over one year after you originally fell ill, were wounded or became disabled;
  • Were incurred after your trip was over, unless you couldn't come back to Australia because of the sickness or wound you sustained while coverage was active.

In terms of the maximum the insurance company is willing to pay out for medical costs, the amount is unlimited. However, there are certain caps that apply, namely to your allowance for associated costs while you are a bed care patient, which cannot exceed $110 per day with a total allowance of $5,000 for the entire duration of your stay in the hospital. If you are travelling with your spouse and dependent children, the limit for the entire family is $7,500.

Protection for business or personal articles that are lost or damaged

For the duration of your voyage, you don't have to worry about personal or business articles going missing or being damaged because this policy provides protection against the loss, theft or damage of certain personal or business articles, as detailed below.

The items that are protected by this policy are as follows:

  • Luggage, clothes and personal valuables;
  • Light electrical goods and binoculars – scratched lenses are not covered;
  • Cameras, related items and auxiliary equipment – again, lenses that were scratched will not be paid for;
  • Laptops, related items and auxiliary equipment, though scratched screens are not included in this protection;
  • Travel papers, bank notes, currency, postal or money orders, cash, credit cards, bank notes, travellers cheques or petrol coupons that you had with you on your trip to use for personal reasons.

The insurance company will also compensate you for any items you need to purchase urgently, such as clothing and toiletries, if all of your baggage is temporarily mislaid, misdirected or its arrival is postponed for more than 12 hours due to an error on the airline's part.

If you lose your travel papers, traveller's cheques, or credit cards or they are stolen, you will be compensated for the costs involved in replacing them as well as for any legal liability for payment that is the result of the use of these items with lack of authorisation. However, this will only happen if;

  • You completely observed all the stipulations you were in agreement with when your travel papers, cheques or credit cards were issued;
  • You informed the correct authorities, such as the bank or the police, as quickly as possible after you discovered they were missing.

Keep in mind that the insurance company stipulates that if you lodge a claim, you must prove that you were the owner of the items that are the object of the claim as well as supporting evidence regarding the value of said items by providing receipts or valuations for jewellery. If you are unable to provide evidence regarding how much the items were worth, you will still receive some benefits but the amount will not exceed 10% of the amount stipulated per item in the table below.

Description Benefits
Luggage, clothes, personal valuables, light electrical goods and binoculars Maximum $3,000 per item
Cameras, related items and auxiliary equipment Maximum $3,000 per camera
Laptops, related items and auxiliary equipment Maximum $3,000 in total
Travel documents, bank notes, cash, bank cards, credit cards, postal orders etc. $500 per person but no more than $1,000 per family if you are travelling with your spouse and any dependent children
Urgent purchase of personal items such as clothes and toiletries $500 per person or $1,000 in total for a family where the cardholder is accompanied on the trip by his or her spouse and any of their dependent children

If you lodge a claim regarding expenses incurred to urgently replace clothing and toiletries because your baggage arrived at least 12 hours later than you did or didn't arrive at all because of the carrier, you will have to get written proof from the carrier that was handling your luggage regarding the delay or loss. You will also need to submit proof of purchase to the insurance company in the form of receipts.

You will have to be careful, though, because laptops, jewellery, watches, cameras, laptops, mobile phones, electrical goods or money that was placed in your luggage or left in a car will not have coverage, meaning you won't be reimbursed for their loss or theft. Note that if the bag you placed said items in accompanied you and it was with you or the person travelling with you the entire time, then this exclusion does not apply.

Note that if you want your claim to succeed you need to do everything you can to ensure your possessions are safe, which means following the conditions stipulated by the policy. Thus, the insurer states that you must take sensible and suitable safeguards, in line with the value of your personal possessions, to ensure the protection of your personal possessions or business property. If you don't comply in the eyes of the insurer, they will refuse to extend you cover.

In terms of what constitutes a sensible and suitable safeguard, the policy states that:

Jewellery, cash, watches, cameras, laptops, mobiles, or electrical goods are not covered against theft or loss at any point if these items were:

  • Left in a car;
  • Left in luggage that was checked in;
  • In luggage if the bags were not with you at all times;
  • Business property or personal possessions are not protected if you leave them:
  • Unaccompanied in a public area;
  • Unaccompanied in a car that is not locked;
  • Unaccompanied in a vehicle while someone else is looking into the vehicle;
  • Unaccompanied in a vehicle throughout the night;
  • Forgotten, mislaid or left behind in a public areas
  • With someone who purposely does damage to these items or steals them.

Unanticipated annulment of your trip and other unanticipated costs

If you plan to get a return travel ticket for a trip abroad before you leave the country, you will activate this policy once you've paid $1,000 of any travel expenses that must be covered upfront, such as:

  • Price of your return ticket;
  • Airport fees;
  • Departure charges;
  • Lodgings or other forms of transportation that need to be paid in advance;
  • Other items on your itinerary abroad that must be paid for ahead of time.

Keep in mind that you need to use your Diners Club personal or business card to cover these costs for you to be eligible for coverage under this benefit of the overseas travel insurance policy. If you've met these conditions and have activated this cover, you can also obtain coverage for your spouse and any dependent children travelling with you on the entire trip as long as you fulfil the same conditions for each of them too. In other words, you must cover $1,000 of their prepaid travel expenses and these amounts must be paid for using your Diners Club card.

Note that coverage will be terminated once the trip ends.

Thus, under this benefit of the policy, you have coverage if your travel plans are suddenly annulled as well as for any unanticipated costs you incur as a results, as long as you don't have protection for the event you are filing a claim under another section of the policy and is due to one of the following unpredictable situations;

  • A natural disaster, whether it has recently taken place, is occurring or there is a good chance of one taking place at the location you are headed to or at your home or the home of the person travelling with you;
  • Your house is completely wrecked or the house of the person going with you on the trip;
  • You or the person going with you end up in quarantine;
  • You or the person accompanying you must go to court in Australia as the result of a subpoena;
  • If you need to received medical therapy for a pre-existing medical issue but only if the insurer has agreed, in writing, to cover said condition and you have covered the cost of the administration charge;
  • If you have already paid for your travel costs as stipulated in the eligibility conditions for this benefit and you discover you have a medical issue before leaving. Note that you will not be covered for the medical problem in question;
  • You, a family member, or your trip companion pass away, are severely wounded or contract a serious illness. The insurer requires that written proof be provided for any of these situations under the guise of medical advice received from a certified medical professional. Furthermore, the insurance company must feel that cancelling your travel plans was the right and only course of action;
  • If you arranged for leave but it was subsequently cancelled by your employer as long as you work full-time for the police, fire, ambulance, emergency or defence services. The same applies if your travelling companion's leave is revoked;
  • You or the person going with you have to take exams you were previously unaware of that are related to any type of studies you are enrolled in;
  • A special event was annulled or rescheduled due to circumstances you could not foresee or control;
  • The transport you are travelling on is delayed or the trip cancelled by the transport company due to;
  • Mechanical issues;
  • Civil unrest, strikes, riots. Terrorist acts, however, are excluded;
  • Weather problems;
  • Natural disasters;
  • You miss the transport for a leg of your journey because the flight you were on was cancelled or was late arriving;
  • Retrenchment occurs for you or the person going with you. Note that redundancy and voluntary retrenchment are considered exclusions;
  • If you or your travelling companion lose your passports or visas or these items are stolen;
  • The licensed travel agent or service provider that you booked your trip through collapses financially or becomes insolvent.

However, there are also exclusions that apply to this section of this policy, which state that any events that are caused by one of the following reasons are not covered. Thus, if any of the following occur, you are not covered;

  • You or your travelling companion are unable to get a passport or a visa;
  • You book any travel plans via a company that has no license, including a tour operator, wholesaler, travel agent or transport company;
  • The incapacity of any service provider to fulfil trip plans including lodgings, transport or a conference, because they couldn't make up the required numbers, like for a tour for example.

Note that if you wish to lodge a claim, the insurance company requires you to take measures to reduce the loss you incur as much as possible. This includes obtaining any refunds you have the right to as quickly as possible after the annulment of your travel plans as well as cancelling any other arrangements you had that you won't be able to take advantage to because your trip was cancelled.

If you decide to go on your trip, after all, as quickly as possible after cancelling your initial trip, the insurance company may either cover the cost of any travel plans that were cancelled and paid for but can no longer be used and are not refundable or they might opt to cover the cost of a higher class or transportation or higher seasonal rates if that is the only form of transportation available. The costs that will be covered will be equivalent to the amount you paid after any refunded sums are deducted.

The insurance company will also cover the cost of your lodging plans that you paid for but couldn't use and aren't refundable.

Conversely, if you decide not to go on your trip at all, the insurance company will cover the cost of any transportation and lodging plans you had that you paid for but can no longer use and are not refundable.

How much can I get?

Under this section of the policy, you are entitled to an unlimited level of compensation. This excludes the cancellation charge of the travel agent, which is capped at $500 or 15% of the value of the travel plans you booked via the agent, whichever amount is lower.

There is also a cap in terms of cancellation caused by the financial collapse or insolvency of a travel services company that has a license. Thus, you cannot receive more than $5,000 per person up to a maximum of $12,000 for your entire family, regardless of how many people are involved. Furthermore, you will be eligible for this compensation only once you have obtained as much as you can from a compensation scheme, statutory fund or from any other source.

Resuming your trip

If you are forced to temporarily suspend your trip and return to Australia due to the fact that a family member passed away, you will be covered for the cost of travelling to and from Australia but only if the insurance company feels these costs are acceptable.

Note that there are certain conditions that need to be met for you to receive compensation. Thus;

  • You must continue your trip no later than 30 days from your return to Australia;
  • You still have at least 14 days left of your trip or 25% of the total duration of the trip left, whichever time frame is longer;
  • The claim you wish to file is not nominated as an exclusion under any other aspect of the policy. Note that if your claim is part of an exclusion because of a pre-existing medical issue your relative had, you will still receive benefits as long as a doctor did not diagnose the person in question as having a terminal condition before you departed on your trip.

Under this section of the policy, you will receive compensation equivalent to the price of an economy airfare to Australia and an economy airfare for you to go back to your destination abroad. Note that the maximum amount you can get is $5,000 per person but no more than $10,000 per family if you are travelling with your partner and any dependent children, regardless of how many people your family consists of.

Special event

If you have to suspend your trip due to circumstances far beyond your control and, as a result, you will not be able to be present for a special event that cannot be rescheduled, such as a wedding, funeral or concert, the insurance company will cover the price of you using a different form of transportation to get to the location of the event so you can participate in said event.

Note that the maximum you can get is $3,500 under this section of the policy.

Coverage for excess payable on rental vehicle insurance

If an event occurs that leads to you having to file a claim under the insurance policy attached to your rental car and you have to pay an excess as a result, you will be compensated for the payment of the excess as long as the following conditions are met:

  • You observed all the conditions the rental agency laid out in the rental agreement as well as the stipulations of the insurance company;
  • The car was sourced from a rental agency that is licensed to offer this service;
  • The rental contract included comprehensive vehicle insurance to protect against the damage or loss of the vehicle you rented.

However, you will not be compensated for any expenses related to damage or loss incurred as the result of the improper use of the vehicle against the provisions of the rental contract.

Note that the maximum amount of compensation available to cover rental vehicle excess is $2,250.

Travel delays

If the method of transportation you booked travel on is more than six hours late in leaving due to any circumstances you could not possibly have foreseen and which were completely outside of your control, you will be repaid for any expenses you incur. Note that you need to submit receipts to the insurance company proving what your expenses were as well as a letter from the airline or transport company detailing what the problem was and what the duration of the delay was, otherwise you will not receive any benefits.

When it comes to coverage limits, you can expect to receive at most $275 per person for meals and lodgings for the first six hours or a maximum $750 for your entire family, if you are travelling with your spouse and any dependent children. In other words, even if you are with your spouse and have two dependent children travelling with you for the entire trip, you will not receive $1,000, which would mean $250 per person, but $750 total.

Furthermore, if you are delayed longer than six hours, you will receive an additional $150 per person but no more than $300 for your whole family, for every additional 12 hours you have to wait before your transport departs. The most you can receive for travel delays is $425 per person but no more than $1,050 for you whole family.

Burial or cremation costs

If you pass away while you are travelling, you are protected because you receive coverage for any costs related to your burial or cremation. Note that you will not be eligible for benefits under this section of the policy if you died due to a medical condition you had before you departed except in the case that the insurance company already agreed to cover said problem and you covered the cost of the administration fee.

In terms of burial and cremation costs, these include the following:

  • The expense of having your body or cremains returned to Australia;
  • The expense of burying you or cremating you abroad.

Note that for these expenses to be covered, certain conditions need to be fulfilled.

  • You must have passed away on your trip;
  • The insurance company is given a death certificate that was issued by a certified medical professional as proof of why you died.

The maximum amount that is allotted for this benefit is $12,500 per person but no more than $25,000 for a family, if you are travelling with your spouse and any dependent children.

Death due to accidental causes

If you pass away due to wounds you sustained in an accident while on your trip and you aren't covered by the Transit Accident Insurance policy attached to your card, the insurance company will pay out benefits.

Note that to be eligible, your death must take place no later than a year from the date when the accident originally took place and the event must have been the result of external, visible and violent means. There must also be a death certificate issued by a certified medical professional, proving that the injuries you sustained in the accident were the cause of death.

If the mode of transportation you are utilising is involved in an accident and your body can't be found, after a year from the date of your disappearance, you will officially be considered dead as the result of the accident and the insurance company will pay out benefits accordingly.

In terms of the benefits the insurance company will pay out, they are as follows:

  • $25,000 for you as the cardholder;
  • $25,000 for your spouse;
  • $5,000 for each dependent child.

Personal liability

While most of us never even consider actually hurting someone else or causing their property damage, the fact is that things happen in life and you never know when you unintentionally cause an event that leads to someone being injured, passing away or their property being lost or damaged. The good news is that this insurance policy offers you coverage so you won't have to cover damages related to compensation on your own. However, as is to be expected, there are conditions that apply.

First of all, it's imperative that you remember that the only party that has the right to defend or arrange settlement for the claim, submit or accept an offer of compensation or in any way acknowledge your liability is the insurance company.

Furthermore, your legal liability will only be covered if the incident that led to is occurred while you were on your trip and was something that you didn't expect or plan on leading to you becoming legally responsible for compensation.

In terms of legal fees, the insurance company will cover these if you incurred them after getting the agreement of the insurance company in writing or they were incurred by the insurer in your name.

Note, though, that you are not eligible to receive compensation to cover your legal liability if it was the result of:

  • The bodily harm, sickness or death of a relative, travelling companion or one of your employees;
  • You being the owner or occupant of any piece of land or structure, unless said structure is a home and you are any type of temporary occupant, such as a lessee or a tenant;
  • You being the owner, in control or utilising any type of conveyance that has a motor, a watercraft or an aircraft. Note that if you are not the owner or in control of the conveyance in question and are simply a passenger, you can still be compensated;
  • Your job, profession or company;
  • Damage or loss of anything that you own or control;
  • Fines or penalties, such as exemplary, liquidated, aggravated or punitive damages, which a judge might demand that you pay as penance and that are not the same thing as damages paid out as compensation.

Keep in mind that the maximum level of compensation the insurance company is willing to cover under this section of the policy is $2,250,000.

Loss of income

If you or your spouse are unable to work because you were wounded in an accident while you were travelling, you will receive compensation that will cover the loss of any earnings you might incur for a period of no longer than 90 days. This compensation is payable every month in arrears.

As usual, certain conditions and exclusions apply. Thus, you are eligible for this benefit if:

  • The wound was the exclusive result of an accident that was the result of outward, noticeable and violent means;
  • There is some form of written medical proof from a certified medical professional to support the monthly claim;
  • You can offer the insurance company proof in writing that either you or your spouse had a job waiting for you upon your return to Australia.

However, you will not be compensated for the following:

  • Any earnings you lost in the first month after you were originally supposed to go back to work after returning to Australia;
  • Any timeframe when you were not supposed to be working.

Thus, under this section of the policy, your income will be covered for a maximum of three consecutive months up to at most $8,000. If both you and your spouse file a claim under this section, the insurance company is willing to pay a maximum of $750 per person per week.

Transit Accident Insurance

A completely separate policy to the overseas travel insurance policy, transit accident insurance ensures that you, your spouse and any dependent children travelling with you are protected if certain injuries are suffered during the journey. Note that you must have used your Diners Club to pay for the trip.

Thus, to qualify for this cover, you need to have paid for the entire trip using your Diners Club card. If you want your spouse and children to be covered, then you must also pay for the whole trip before your departure with your Diners Club card.

Transit Accident Insurance ensures that you will be compensated for any wounds you sustain, as detailed in the chart below, as long as they were directly caused by an accident that occurred while you were on your trip and took place within a year of the accident. Thus, this policy protects you when you are getting on or off the mode of transportation you will be using while on your trips as well as any moment when you are a passenger on a mode of transportation that is taking you directly to an airport, coach depot, railway station or dock or from said place right before or after your scheduled journey.

The following chart details what injuries are covered and how much you can receive in each situation.

Injury Maximum benefits for cardholder Maximum benefits for spouse Maximum benefits for dependent children
Death $250,000 $100,000 $50,000
Losing both hands or both feet $125,000 $75,000 $50,000
Losing one hand and one foot $125,000 $75,000 $50,000
Complete blindness of both eyes $125,000 $75,000 $50,000
Complete blindness in a single eye and losing a hand or a foot $125,000 $75,000 $50,000
Losing a hand or a foot $75,000 $50,000 $35,000
Losing an eye $75,000 $50,000 $35,000

Note that when the above chart refers to the loss of hands and/or feet, it means that the appendage was completely cut off at the wrist, above the wrist, at the ankle joint or above said joint. In terms of eyes, it refers to complete and incurable blindness.

  • If you suffer more than one of these injuries in a single accident, you will only be compensated for the more severe injury.
  • If you are involved in an accident and your remains cannot be found for 12 months, the insurance company will assume you passed away as a result of the accident and compensation will be awarded accordingly.

Other limits also apply under this policy. Thus, the largest amount the insurer is willing to cover from a single accident, such as a plane crash, is $1,000,000, no matter how many people were involved in the event.

In other words, if more than one cardholder along with their spouses and dependent children were injured as a result of a single accident, each person will be compensated using a proportional formula based on the sums mentioned in the above chart and the full amount cannot exceed $1,000,000.

Case Study

case-study-crashIf four cardholders and their families are involved in an accident in which the four lose their lives, as well as two spouses and two dependent children, each
of the legal representatives would be paid benefits according to the following calculation:

  • Four cardholders - $1,000,000
  • Two spouses - $200,000
  • Two dependent children - $100,000
  • Total benefits - $1,300,000

In other words, the total payout would be $1,300,000. However, taking into account the $1,000,000 limit per event, the insurance company would take the maximum amount they pay out and divide it by the total amount to figure out the percentage, which, in this case, is 76.923%. Thus, the benefits paid would be 76.923% of what each person would normally be entitled to.

The result is as follows:

  • $192,307 per cardholder;
  • $76,923 per spouse;
  • $38,462 per child;
  • Total benefits equal $1,000,000.

Interstate Flight Inconvenience Insurance

Another policy that is attached to your Diners Club card is the interstate flight inconvenience insurance policy, which offers you a variety of covers for when you are travelling within the country. Thus, you have protection for a maximum of two weeks against the following:

  • Having your personal possession or business property stolen or losing any of said items;
  • Urgently purchasing essential items to replace your luggage if your flight has been delayed;
  • Annulment of travel plans cause by unanticipated situations;
  • Compensation for any excess or deductible you might liable to pay if you have to claim under a rental vehicle insurance policy;
  • Compensation for extra meals and refreshments if your flight is delayed;
  • Burial costs.

We'll be looking at all of these covers in more detail a little later on. First, though, we need to look at the eligibility conditions and when coverage applies.

Eligibility conditions

The insurance company states that you qualify for Interstate Flight Inconvenience Insurance on a flight that is travelling between states if:

  • You charged the whole cost of the airfare to your Diners Club card before departing on your trip. Note that the cost of the airfare does not have to include taxes, airport charges or travel agent fees;
  • Your trip does not exceed 14 uninterrupted days.

The insurer goes on to explain that if your trip is longer than 14 uninterrupted days, you won't be covered by this policy. In other words, if you're flying from Brisbane to Sydney to see family and plan on staying for three weeks, you are going to need to get some other form of travel insurance because the Interstate Flight Inconvenience Insurance policy attached to your Diners Club won't protect you at all.

On the other hand, if your trip is for two weeks or less, you are eligible for cover but so are your spouse and dependent children, if they are travelling with you for the whole trip. For them to qualify, you must have used your Diners Club card to pay for their airfares and, again, the trip must not exceed two weeks.

When am I covered?

You will be protected by this insurance policy from the moment you begin your trip, which is considered to be the date when your interstate flight departs. This means you are also covered for the trip from your residence in Australia to the airport that your flight will depart from.

The cover ends when your journey ends which must either be 14 days after your trip starts or when you get home from the airport your flight was supposed to return to, whichever occurs sooner.

Note that you will only be covered for the trip from your home to the airport and back if you travel directly to and from the airport. You will not be covered for any delays, variances or indirect routes you opt for.

Cover details

Below are each of the covers provided under this policy as well as details pertaining to the terms and conditions as well as any specific exclusions that apply.

Personal possessions and business goods

You will be reimbursed if certain personal possessions or business goods are stolen or damaged while you are on your trip. The items that qualify for this coverage are as follows:

  • Luggage, clothes, personal valuables;
  • Light electrical items, laptops, related items and auxiliary equipment, binoculars, cameras, related items and auxiliary equipment, however you will not be reimbursed for lenses or screens that have been scratched.

Under this section of the policy, you can receive $750 per item that was lost, damaged or stolen but not more than $1,500.

Delayed baggage

If your baggage is late in arriving, briefly mislaid or sent to the wrong destination, leaving you without luggage for more than 12 hours, you will be reimbursed for any expenses you incur to urgently replace vital items of clothing and toiletries as long as you use your Diners Club card to pay for these items. Note that you must provide the insurance company with a letter from the carrier detailing the delay of your luggage.

In terms of coverage limits, you can receive a maximum of $200 per person but no more than $450 per family.

Unanticipated cancellation of travel plans

If you have to cancel your travel plans, you will be reimbursed for any expenses you incur as a result as long as you have already purchased your interstate airfare. You will be covered from the moment you purchase the ticket until your trip ends. Note that this section of the policy does not cover you if the trip is for business purposes.

Thus, you will be covered for cancelled travel plans if the cancellation is the result of any of the following:

  • You, the person accompanying you or a family member pass away, are seriously wounded, or contract a severe illness. You will have to provide proof in the form of written medical advice received from a certified doctor;
  • Your transport is postponed or cancelled by the carrier because of a mechanical issue, riots, strikes, weather problems, natural disasters or civil unrest, but not if it is due to terrorist acts;
  • A natural disaster is occurring at the location you are heading to or the location where you or your travelling companion reside in Australia;
  • A special occurrence has been delayed or annulled due to circumstances outside of your control;
  • You or your travelling companion end up in quarantine;
  • The residence of you or your travelling companion in Australia is completely wrecked;
  • You, or your travelling companion, have to go to a court in Australia as a result of subpoena. Cover applies if you have to attend court on a day when you would be on your trip and your received the subpoena after you bought your return ticket;
  • You, or the person travelling with you, are retrenched, though you are not covered for redundancy or voluntary retrenchment;
  • You, or the person travelling with you, have to take exams as part of your studies.
  • Note that the maximum level of compensation you are entitled to under this section of the policy is $3,000.

Rental vehicle insurance excess or deductible

You will be compensated for any excess or deductible you have to pay if you file a claim under the rental vehicle insurance policy while you are on your trip. Note that coverage applies if the following conditions are fulfilled:

  • You took out comprehensive car insurance to protect you against damaging or losing the rental vehicle as part of the rental contract;
  • You abided by all of the rental agency's stipulations that are in the hire contract as well as the provisions laid out by the insurance company that issued the insurance policy for the rental vehicle;
  • You were not in breach of any of the rental agreement stipulations.

The most you can receive under this aspect of this policy is $2,250.

Flight delays

If your flight is delayed and you aren't offered any other type of transportation, any costs you incur for extra food and refreshments will be covered as long as you use your Diners Club card to cover said costs. Note that you will need to provide proof of the delay via a letter from the airline.

In terms of compensation, if your flight is delayed more than four hours or more than ten hours, you can get up to $80 per person but no more than $300.

Missed connection

If you have to take a connecting flight but the initial flight you were on is late, causing you to miss the next leg of your trip and there is no flight available within the following four hours, you can use your Diners Club card to purchase food and refreshments and you will be compensated for these expenses up to $80 per person but no more than $300. Note that you will have to submit a letter from the airline confirming the situation to the insurance company to be entitled to receive compensation.

Burial costs

If you pass away due to injuries you suffer during your trip, the costs related to your burial will be covered. This coverage is a maximum of $2,500 per person but no more than $7,000 for a family.

Purchase cover insurance

When you make purchases using your Diners Club card, you can relax in the knowledge that the items you buy will be protected against being stolen, lost or damaged.

Items purchased anywhere on the globe will be covered as well as items you offer another person as a gift as long as said person is a permanent Australian resident. However, for the items to be eligible, you must have used your Diners Club card to pay for the entire cost of the item in question.

This protection is available for up to 90 days from the date when you made the purchase. Note that if you have to lodge a claim, it must be done no later than 21 days from when the items were stolen, damaged or lost. In terms of amounts, you can get either the actual sum you paid for the item using your Diners Club card or $3,000 per claim for watches, fine arts and jewellery, whichever amount is lower. The most you can receive over the period of a year per eligible card account is $125,000.

Guaranteed Pricing Scheme

The Guaranteed Pricing Scheme ensures that you will always pay the *best possible price for any item you purchase using your Diners Club card. This is because under the protection of this policy you will be compensated for the price difference up to a maximum of $500 if you find the same product you purchased at a lower price in a store catalogue.

The eligibility conditions for this scheme are simply that you must have bought the product using your Diners Club card and the cheaper product is priced at least $75 lower than the price you paid.

What do I get coverage for?

Under the Guaranteed Pricing Scheme, if you purchase a product and then find that product at a cheaper price in a store catalogue that was printed after you bought the item in question, you will be compensated for an amount that cannot exceed $500.

However, certain conditions have to be met for coverage to apply and they are as follows:

  • The item that is priced lower than your purchase is new and identical in terms of model number and year and was manufactured by the same company;
  • The cheaper item is from a shop that is within 25 kilometres of the store where you bought the original item;
  • You must lodge the claim within 60 days of purchasing the original item and give the insurance company proof of the cheaper item via the store catalogue where said product was listed.

Note that items are only sold or advertised online are not included in the Guaranteed Pricing Scheme.

Extended Warranty Insurance

The Extended Warranty Insurance policy is designed to protect purchases you made using your Diners Club card that have an expressed Australian warranty after said warranty expires. Thus, you will be reimbursed for the repair or replacement of the product if it stops working.

To be eligible for this coverage, you must have paid for the entire value of the items using your Diners Club card. Note that you cannot transfer this cover.

In terms of coverage, you will be compensated for the expense of fixing or replacing the product if it breaks down after its expressed warranty period has run out, as long as:

  • You took adequate precautions with the product in terms of protecting and maintaining it;
  • You got the insurer's approval before repair work on the item began or before you replaced it the product;
  • You kept the broken item or any important parts so the insurer can examine them and come to their own conclusion.

The Extended Warranty Insurance policy commences on the day the registered Australian warranty expired and extends the warranty period by a duration that is equivalent to the original warranty period but no longer than one year. Note if the original warranty is longer than five years, this cover no longer applies.

The chart below shows how the extended warranty period works;

Original warranty Extended warranty
10 days 10 days
1 month 1 month
6 months 6 months
1 – 5 years 12 months
More than 5 years Coverage does not apply

In terms of how much you can expect to receive, not that the insurance company will not pay more than the amount the item cost you when you purchased it.

Furthermore, there is a limit in terms of how much the insurance company is willing to pay out over a one year period per eligible card. Thus, you cannot get more than $20,000 over a 12 month period, regardless of how many claims you are eligible to file.

When am I not covered?

Besides the specific exclusions mentioned under each policy and their various sections, there are also other general exclusions that apply. It's vital that you know exactly what these are so you can get additional insurance if you feel it is necessary.

Below are some of the situations you will not be covered for:

  • If you, a family member or your travelling companion have a pre-existing medical issue that could lead to you filing a claim unless it has been specifically covered under the overseas travel insurance policy or the insurer has agreed to cover the condition and the administration fee has been paid;
  • If you go on a trip against the advice of your doctor;
  • If you travel with the intent of getting medical therapy or medical advice;
  • If you go on your trip even after you have been informed by a certified doctor that you have a terminal condition;
  • If you commit or attempt to commit suicide, harm yourself or give yourself an illness or injury;
  • If you leave your personal possessions in a public place, in a car – unless the items were in the boot and someone forced it open-, overnight in a car, with someone who does deliberate damage or steals them;

Items such as those detailed below are not covered:

  • Sporting equipment while it is being utilised;
  • Securities, art, antiques, stamps, manuscripts and books of account;
  • Any goods that will be sold or traded;
  • Commercial samples;
  • Brittle or fragile items.
  • If you engage in any dangerous activities;
  • If you take part or instigate illegal or criminal activities.

These are just a few of the general exclusions that apply to the policies attached to your Diners Club card. Considering that these can really affect the outcome of your claim, so it is vital that you know them well, so make sure to read the documentation pertaining to the insurance attached to your Diners Club card.

However, despite the numerous exclusions, the fact is that these insurance covers are quite generous, especially since they are complimentary. So it may be worthwhile to take full advantage of them because they can save you quite a bit of money and hassle, especially if you travel frequently.

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4 Responses

  1. Default Gravatar
    ALANMay 5, 2016

    Does the travel insurance include motorcycle hire?

    • finder Customer Care
      MayMay 5, 2016Staff

      Hi Alan,

      Thanks for your inquiry.

      In the Diners Club Personal & Business Cards – Description of Insurance Cover, it states that ‘rental vehicle’ means a rented sedan and/or station wagon but not any other style of vehicle, rented from a licensed motor vehicle rental agency. Therefore, motorcycle hire is not included.

      For your reference, I’ve sent to your email the link to the description of insurance cover.

      I hope this has helped.


  2. Default Gravatar
    PeterJuly 23, 2014

    Hello, do any of your credit cards cover financial insolvency in the case where I book a Qantas Frequent Flyer Redemption and they collapse before I depart. I know most cards probably require you pay for trip in full on cards which rules out option to use Qantas Miles and pay balance on tax or other associated travel expenses. I would appreciate a list of cards as I am guessing there are not many and this will at least give me a choice. I may even apply for several cards with you if I like what each offer.

    • finder Customer Care
      ShirleyJuly 24, 2014Staff

      Hi Peter,

      Thanks for your question.

      Unfortunately most credit card insurance policies exclude financial insolvency.

      There are some alternative travel insurance providers that cover this up to a certain limit: Australian Travel Insurance, QBE Travel Insurance, Travel Insuranz and Commonwealth Bank Travel Insurance.


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