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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.

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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 issuer Insurance provider Includes partner and children
ANZ Allianz Yes
American Express Chubb Yes
Bankwest Cover-More Yes
BankSA Allianz Yes
Bank of Melbourne Allianz Yes
Bank of Queensland Allianz Yes
Citi Allianz Yes
Commonwealth Bank Cover-More Yes
HSBC Allianz Yes
NAB Allianz Yes
Qantas Money Chubb Yes
Suncorp Allianz Yes
St.George Allianz Yes
Virgin Money Allianz Yes
Westpac Allianz Yes

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 Balance transfer rate Annual fee
NAB Qantas Rewards Signature Card
19.99% p.a.
0% p.a. for 6 months with 2% balance transfer fee
$295 annual fee for the first year ($395 p.a. thereafter)
Ends 30 November 2020
Collect up to 130,000 bonus Qantas Points (100k when you spend $3,000 in the first 60 days and 30k after 12 months). Plus, 75 bonus Status Credits.
Citi Rewards Card
21.49% p.a.
0% p.a. for 30 months
$49 annual fee for the first year ($149 p.a. thereafter)
Save on interest with 0% p.a. on balance transfers for 30 months with no balance transfer fee. Plus, a $49 first-year annual fee.
Qantas Premier Platinum
19.99% p.a.
0% p.a. for 18 months with 1% balance transfer fee
$199 annual fee for the first year ($299 p.a. thereafter)
Get 100,000 bonus Qantas Points, 75 bonus Status Credits and a 0% p.a. balance transfer rate for 18 months (with a one-time 1% BT fee).
Citi Rewards Card - $500 Voucher Offer
21.49% p.a.
0% p.a. for 12 months
$99 annual fee for the first year ($199 p.a. thereafter)
Get a $500 e-voucher to spend at Myer, JB Hi-Fi or Coles when you spend $3,000 in the first 90 days. Plus, earn points/$1 spent. Ends 30 Nov 2020.
ANZ Frequent Flyer Black
20.24% p.a.
20.24% p.a.
$425
Collect 120,000 bonus Qantas Points and $200 back when you spend $3,000 in the first 3 months. Plus, complimentary lounge passes.
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
20.74% p.a.
0% p.a. for 22 months
$64 annual fee for the first year ($129 p.a. thereafter)
Get 0% p.a. for 22 months on balance transfers and a reduced first-year annual fee. Plus, earn up to 30,000 bonus Velocity Points. Ends 30 Nov 2020.
ANZ Platinum Credit Card
0% for 17 months, reverts to 20.24% p.a.
20.24% p.a.
$0 annual fee for the first year ($87 p.a. thereafter)
Receive a 0% purchase rate offer for 17 months and a $0 first-year annual fee. Plus, complimentary overseas travel and medical insurance.
HSBC Platinum Credit Card - Balance Transfer Offer
19.99% p.a.
0% p.a. for 26 months with 1% balance transfer fee
$0 annual fee for the first year ($129 p.a. thereafter)
Enjoy a 26-month balance transfer offer, a first-year annual fee waiver and complimentary travel insurance.
Citi Rewards Card - Flybuys Offer
21.49% p.a.
0% p.a. for 15 months with 1% balance transfer fee
$49 annual fee for the first year ($149 p.a. thereafter)
Receive 75,000 bonus Flybuys points and a $100 Kmart eGift Card when you meet the spend requirement. Plus, a reduced first-year annual fee.
St.George Amplify Platinum - Qantas
19.74% p.a.
0% p.a. for 15 months with 1% balance transfer fee
$99
Earn 70,000 bonus Qantas Points, plus enjoy 0% p.a. on balance transfers for 15 months and complimentary insurance covers.
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Credit Cards Comparison

Data indicated here is updated regularly
Name Product Purchase rate Balance transfer rate Annual fee
Citi Rewards Card
21.49% p.a.
0% p.a. for 30 months
$49 annual fee for the first year ($149 p.a. thereafter)
Save on interest with 0% p.a. on balance transfers for 30 months with no balance transfer fee. Plus, a $49 first-year annual fee.
Qantas Premier Platinum
19.99% p.a.
0% p.a. for 18 months with 1% balance transfer fee
$199 annual fee for the first year ($299 p.a. thereafter)
Get 100,000 bonus Qantas Points, 75 bonus Status Credits and a 0% p.a. balance transfer rate for 18 months (with a one-time 1% BT fee).
Coles No Annual Fee Mastercard
0% for 12 months, reverts to 19.99% p.a.
0% p.a. for 12 months
$0
Save on new and existing interest charges with 0% p.a. on balance transfers and purchases for 12 months.
Citi Rewards Card - $500 Voucher Offer
21.49% p.a.
0% p.a. for 12 months
$99 annual fee for the first year ($199 p.a. thereafter)
Get a $500 e-voucher to spend at Myer, JB Hi-Fi or Coles when you spend $3,000 in the first 90 days. Plus, earn points/$1 spent. Ends 30 Nov 2020.
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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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