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Are my spouse and children eligible for complimentary travel insurance?

Make sure the whole family travels safely with your credit card complimentary travel insurance.

Family of four with body boards running into the ocean.

Credit cards with complimentary international travel insurance usually cover your spouse and dependent children travelling with you. Depending on the card, the insurance may cover medical expenses, lost personal items, unexpected trip cancellation, delays and more.

This extra feature can be a great way to save on travel costs and protect your family in the case of an emergency on your next holiday. Exclusions and conditions do apply, so it's important to check the insurance policy before you leave for your trip.

You can use this guide to compare some of Australia's major credit card issuers that offer complimentary travel insurance that also covers your spouse and children.

Does my credit card's complimentary travel insurance cover my partner and children?

Card issuerInsurance providerIncludes partner and children
ANZAllianzYes
American ExpressChubbYes
BankwestCover-MoreYes
BankSAAllianzYes
Bank of MelbourneAllianzYes
Bank of QueenslandAllianzYes
CitiAllianzYes
Commonwealth BankCover-MoreYes
HSBCAllianzYes
NABAllianzYes
Qantas MoneyChubbYes
SuncorpAllianzYes
St.GeorgeAllianzYes
Virgin MoneyAllianzYes
WestpacAllianzYes

Information correct at the time of writing on 19 December 2019. Please check complimentary insurance policy for more information.

What are the definitions of spouse or dependent children?

This will vary between credit card providers and the underwriting insurer, but the definitions of spouse and dependent children usually include:

Spouse

This may include your spouse or de-facto partner who is permanently living with you at the time that your journey begins. You may be required to provide proof of your relationship. Other policies may require for you to have lived with your partner for a set period (such as three consecutive months) prior to the trip.

Dependent children

Dependent children refers to your unmarried child or children who are 18 years of age or younger. It can also include children who are 24 years old or younger but enrolled in full-time higher education. Some policies may have a broader definition to include children older than 18 with physical or mental conditions. Check your card's insurance policy to confirm who is eligible for cover.

What other conditions will they need to meet?

You and your partner or children may need to meet some eligibility requirements to be eligible for the insurance cover, so make sure to check these details before deciding if the complimentary insurance is right for your family.

  • Travel details. Some policies require your spouse or children to be travelling with you for the duration of the trip. Others will only require them to travel with you for at least 50% of the journey to qualify for the insurance. You and your family may also need a return ticket to and from Australia at the time of your departure to be eligible.
  • Spend requirement. You may be required to pay a portion of your travel costs (including your partner and children's travel costs) with your credit card to activate the insurance.
  • Age. Most complimentary travel insurance policies only cover people aged 80 and under. You may be able to purchase additional cover at a premium for people aged 80 and above.
  • Residency. They may need to be permanent Australian residents to receive the cover.
  • Exclusions and pre-existing conditions. Complimentary insurance covers generally don't cover pre-existing medical conditions. It's important to check the conditions that the insurer do and don't automatically cover without a referral before you and your family leave.

Most credit cards with complimentary travel insurance provide cover for your partner and children joining you on your trip. However, make sure to check your card's insurance policy to check any exclusions, eligibility requirements or steps you need to activate the insurance before you leave for your holiday.

Want to learn more? Check out our guide to credit cards with complimentary travel insurance to compare cards and see the level of cover you can expect.

Compare credit cards with complimentary travel insurance

Data indicated here is updated regularly
Name Product Purchase rate (p.a.) Balance transfer rate Annual fee
Bankwest Zero Platinum Mastercard
17.99% p.a.
2.99% p.a. for 9 months
$0 p.a.
Offers a $0 annual fee, 0% foreign transaction fees, complimentary international travel insurance and a balance transfer offer.
St.George Vertigo Platinum
0% for 15 months, reverts to 12.99% p.a.
6.99% p.a. for 12 months
$49 p.a. annual fee for the first year ($99 p.a. thereafter)
Features an introductory 0% p.a. purchase rate, $49 first year annual fee and complimentary travel insurance covers. Ends 2 June 2020.
Westpac Altitude Platinum Qantas
20.49% p.a.
6.99% p.a. for 12 months
$200 p.a.
Get 60,000 bonus Qantas Points when you spend $3,000 within 90 days.
ANZ Frequent Flyer Black
20.24% p.a.
20.24% p.a.
$425 p.a.
Earn 120,000 bonus Qantas Points & $275 back when you spend $4,000 in the first 3 months. Plus, airport lounge passes. Ends 9 June 2020.
Qantas Premier Platinum
19.99% p.a.
0% p.a. for 18 months
$299 p.a.
Get up to 100,000 bonus Qantas Points, 75 bonus Status Credits and a 0% p.a. balance transfer rate for the first 18 months.
HSBC Platinum Credit Card - Balance Transfer Offer
19.99% p.a.
0% p.a. for 22 months
$129 p.a.
Save with a 22-month balance transfer offer. Plus, lounge passes, travel insurance and an annual fee refund when you spend an eligible $6k/year.
Citi Rewards Card - Exclusive Offer
21.49% p.a.
0% p.a. for 26 months with 1.5% balance transfer fee
$0 p.a. annual fee for the first year ($199 p.a. thereafter)
Finder Exclusive
Save with 0% p.a. interest on balance transfers for the first 26 months (with a 1.5% BT fee) and a $0 annual fee for the first year.
American Express Business Explorer Credit Card
16.99% p.a.
$0 p.a. annual fee for the first year ($395 p.a. thereafter)
ABN holders w/ $75,000 revenue. Get 75,000 bonus points and a $0 first year annual fee. Plus, 2 airport lounge passes. Ends 3 June 2020.
Qantas American Express Ultimate Card
20.74% p.a.
$450 p.a.
Get 55,000 bonus Qantas Points, a $450 Qantas Travel Credit and 2 yearly complimentary Qantas Club lounge invitations with this premium card.
Bank of Melbourne Amplify Platinum - Qantas
19.74% p.a.
0% p.a. for 6 months
$99 p.a.
Receive 60,000 bonus Qantas Points when you spend $2,000 within 90 days and earn up to 0.5 Qantas Points per $1 spent. Ends 2 June 2020.
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Credit Cards Comparison

Data indicated here is updated regularly
Name Product Purchase rate (p.a.) Balance transfer rate Annual fee
HSBC Platinum Credit Card - Balance Transfer Offer
19.99% p.a.
0% p.a. for 22 months
$129 p.a.
Save with a 22-month balance transfer offer. Plus, lounge passes, travel insurance and an annual fee refund when you spend an eligible $6k/year.
St.George Vertigo Classic
13.99% p.a.
0% p.a. for 18 months
$55 p.a.
Get 0% p.a. on balance transfers for up to 18 months with no balance transfer fee. Plus, a low annual fee and purchase rate. Ends 2 June 2020.
ANZ Frequent Flyer Black
20.24% p.a.
20.24% p.a.
$425 p.a.
Earn 120,000 bonus Qantas Points & $275 back when you spend $4,000 in the first 3 months. Plus, airport lounge passes. Ends 9 June 2020.
Westpac Low Rate Card
2019 Winner
Westpac Low Rate Card
13.74% p.a.
0% p.a. for 16 months
$59 p.a.
A no frills, low rate card offering 0% p.a. interest on balance transfers for the first 16 months, with no balance transfer fee.
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* The credit card offers compared on this page are chosen from a range of credit cards finder.com.au has access to track details from and is not representative of all the products available in the market. Products are displayed in no particular order or ranking. The use of terms 'Best' and 'Top' are not product ratings and are subject to our disclaimer. You should consider seeking independent financial advice and consider your own personal financial circumstances when comparing cards.

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