family arrival

Is my spouse, child or additional cardholder eligible for complimentary travel insurance?

Information verified correct on December 6th, 2016

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

Premium credit cards often provide international travel insurance as a complimentary extra. While it’s not exactly free if there’s an annual fee or interest charges involved, it can certainly be a convenience when it comes to organising your travels. Most policies also extend coverage to your partner and children when they travel with you. The key is to make sure you know who and what is covered by the policy and that you all meet the requirements for coverage, just as you would with a bought policy.

While credit card complimentary insurance policies vary between issuers, they are underwritten by the same major insurance companies. Here, we’ll look at the two main providers and the credit card policies they underwrite to help you understand how and when your family will be eligible for cover.

Allianz Global Assistance

Allianz has a global presence in 34 countries, boasting more than 50 years of experience and over 500 doctors and medical staff ready and waiting to meet your possible needs. Its emergency hotline is available 24 hours a day, 365 days a year. With Allianz, you can sometimes pay an extra fee to cover a pre-existing condition, depending on the nature and severity of your condition. Allianz is the underwriter for Bankwest, Bank of Queensland, Citibank, CommBank, HSBC, Suncorp and Virgin Money.

Bankwest

Bankwest credit cards and the types of complimentary travel insurance they provide:

ProductInternational Travel InsuranceTransit Accident Insurance
(for overseas cover)
Interstate Flight Inconvenience Insurance
World MastercardYesYesYes
Platinum MastercardYesYesYes
 Gold MastercardYesYesYes

In some cases, specific cards may offer different levels of coverage or excess costs. Make sure you read the complimentary credit card insurance terms and conditions or contact your issuer to find out exactly what coverage is provided by your credit card.

Definitions
  • “Spouse”. The partner of the cardholder who is permanently living with the cardholder at the time the journey starts (or the trip in respect of the “Transit Accident Insurance”) or the time the interstate travel starts.
  • “Dependent child/children”. All unmarried children of a cardholder up to and including the age of 18 who live with the cardholder (but not children born on the journey); and unmarried children of a cardholder from the age of 19 up to and including the age of 21 who are full-time students attending an accredited institution of higher learning in Australia, and are dependent upon the cardholder for their maintenance and support and always live with the cardholder or live with the cardholder when they are not attending the accredited institution of higher learning.
Requirements

For International Travel Insurance, you must for yourself and each additional family member:

  • Purchase a return overseas travel ticket before leaving Australia
  • Spend at least $500 on your prepaid travel costs (including the cost of your return overseas travel ticket, airport/departure taxes, prepaid overseas accommodation/travel, and any other prepaid overseas itinerary items)
  • Pay by charging it to your eligible credit card account or redeeming your Bankwest More Rewards points or using flight vouchers that were obtained by redeeming your Bankwest More Rewards points, or a combination of these

Interstate Flight Inconvenience Insurance

You must be on an interstate Australian holiday of up to 14 days and charge the entire cost of your return interstate flight fare (excluding taxes, or airport or travel agent charges) to your eligible credit card account. If you’re eligible for this insurance and satisfy the requirements, then the insurance extends to your spouse and/or dependent children who are travelling with you for the entire holiday and who have also had the entire cost of their return interstate flight fares (but not taxes, or airport or travel agent’s charges) charged to your credit card account.

Transit Accident Insurance

The entire payment for the trip must be charged to your eligible credit card account prior to the trip. Your spouse and/or dependent children will also be covered, provided they are travelling with you and the payment for their trip was also charged to your credit card prior to the trip.

Learn more about Bankwest credit card complimentary insurance

Bank of Queensland

Bank of Queensland credit cards and the types of complimentary travel insurance they provide:

ProductInternational Travel InsuranceTransit Accident InsuranceInterstate Flight Inconvenience Insurance
BOQ Platinum CardYesYesYes
BOQ Gold MastercardYesNoNo

In some cases, specific cards may offer different levels of coverage or excess costs. Make sure you read the complimentary credit card insurance terms and conditions or contact your issuer to find out exactly what coverage is provided by your credit card.

Definitions
  • “Spouse”. A married, de facto or affianced partner of the cardholder who is permanently living with the cardholder at the time the journey or trip starts and who travels with the cardholder for the entire journey or trip (proof of relationship may be required).
  • “Dependent child/children”. An unmarried child of a cardholder, up to and including the age of 21, who is primarily dependant on the cardholder for their maintenance and support and who travels with the cardholder for the entire journey or trip but does not include a child born on the journey or trip.
Requirements

For International Travel Insurance, you must for yourself and each additional family member travelling with you for the entire journey:

  • Purchase an overseas travel ticket before leaving Australia (excluding taxes, or airport or travel agent charges)
  • Pay by charging it to your eligible credit card account or redeeming your Q Rewards points, or by obtaining the overseas travel ticket under the Take Flight® Program

Interstate Flight Inconvenience Insurance

You must be on an interstate Australian trip of up to 14 days and charge the entire cost of your return interstate flight fare (excluding taxes, or airport or travel agent charges) to your eligible credit card account prior to commencing the journey.

If you’re eligible for this insurance and satisfy the requirements, then the insurance extends to your spouse and/or dependent children who are travelling with you for the entire journey and who have also had the entire prepaid cost of their return interstate flight fares (but not taxes, or airport or travel agent’s charges) charged to your credit card account.

Transit Accident Insurance

The entire payment for the trip must be charged to your eligible credit card account prior to the trip. Your spouse and/or dependent children will also be covered, provided they are travelling with you for the entire trip, and the entire payment for their trip was also charged to your credit card beforehand.

Learn more about Bank of Queensland credit card complimentary insurance

Citibank

Citibank credit cards and the types of complimentary travel insurance they provide:

ProductInternational Travel InsuranceTransit Accident InsuranceInterstate Flight Inconvenience Insurance
Citi PrestigeYesYesYes
Citi PrestigeYesYesYes
Citibank Rewards Credit Card PlatinumYesYesNo
Emirates Citibank World MastercardYesYesYes
 Emirates Citibank Platinum MastercardYesYesNo
Citibank Clear PlatinumNoYesNo
Citi Simplicity CardNoYesNo
Citibusiness Gold Credit CardYesNoNo

In some cases, specific cards may offer different levels of coverage or excess costs. Make sure you read the complimentary credit card insurance terms and conditions or contact your issuer to find out exactly what coverage is provided by your credit card.

Definitions
  • “Spouse”. A married, de facto or affianced partner of the cardholder who is permanently living with the cardholder at the time the journey or trip starts and who travels with the cardholder for the entire journey or trip (proof of relationship may be required).
  • “Dependent child/children”. An unmarried child of a cardholder, up to and including the age of 21, who is primarily dependant on the cardholder for their maintenance and support and who travels with the cardholder for the entire journey or trip but does not include a child born on the journey or trip.
Requirements

For International Travel Insurance, you must for yourself and each additional family member travelling with you for the entire journey:

  • Travel for no more than 6 consecutive months or 3 months for Citibusiness Gold Card cardholders
  • Purchase an overseas travel ticket before leaving Australia (excluding taxes or airport or travel agent charges)
  • Pay by charging it to your eligible credit card account, or by obtaining the overseas travel ticket under the Citibank Travel Program or via your airline frequent flyer program, provided that a minimum of 15,000 points were transferred to that frequent flyer program from points earned on a Citibank Card or via Citi Rewards, over a 12-month period prior to obtaining the overseas travel ticket

Interstate Flight Inconvenience Insurance

You must be on an interstate Australian trip of up to 14 days, and charge the entire cost of your return interstate flight fare (excluding taxes, or airport or travel agent charges) to your eligible credit card account prior to commencing the journey. If you’re eligible for this insurance and satisfy the requirements, then the insurance extends to your spouse and/or dependent children who are travelling with you for the entire journey and who have also had the entire prepaid cost of their return interstate flight fares (but not taxes, or airport or travel agent’s charges) charged to your credit card account.

Transit Accident Insurance

The entire payment for the trip must be charged to your eligible credit card account prior to the trip. Your spouse and/or dependent children will also be covered, provided they are travelling with you for the entire trip, and the entire payment for their trip was also charged to your credit card beforehand.

Learn more about Citibank credit card complimentary insurance

CommBank

Commonwealth Bank credit cards and the types of complimentary travel insurance they provide:

ProductInternational Travel InsuranceTransit Accident Insurance (international travel only)Interstate Flight Inconvenience Insurance
Diamond CardsYesYesYes
Platinum CardsYesYesYes
Gold CardsYesNoNo

In some cases, specific cards may offer different levels of coverage or excess costs. Make sure you read the complimentary credit card insurance terms and conditions or contact your issuer to find out exactly what coverage is provided by your credit card.

Definitions
  • “Spouse”. The partner of the cardholder who is permanently living with the cardholder at the time the journey starts (or the trip in respect of the Transit Accident Insurance) or the time the interstate travel starts.
  • “Dependent child/children”. All unmarried children up to and including the age of 18, whom the cardholder has sole custody of and who live with the cardholder, or whom the cardholder has shared custody of; all unmarried children from the age of 19, up to and including the age of 21, who are full-time students attending an accredited institution of higher learning in Australia and whom the cardholder has/had sole or shared custody of, and who are dependent upon the cardholder for their maintenance and financial support; or all unmarried persons who are physically or mentally incapable of self-support whom the cardholder has custody of and who live with the cardholder, except an infant born on the journey.
Requirements

For international travel, your Commonwealth Bank Gold, Platinum or Diamond card entitles you to certain travel insurance benefits at no additional cost. Your “Base Cover” is what you automatically receive just by being a cardholder and includes cover for Overseas Emergency Medical Assistance and Overseas Emergency Medical and Hospital Expenses. Please note that restrictions apply if you or your spouse are aged 80 years or older. Your spouse and/or dependent children are also automatically eligible for this cover provided they travel with you for the entire period of any journey.

Your “Activated Policy” incorporates extra travel insurance benefits (including cover for cancellations and rearrangement expenses, trip disruption, loss of luggage and personal items, as well as cover for a domestic cruise in Australian waters) but has to be activated online, via NetBank or the CommBank App. You have to activate this insurance prior to each trip you take, and need to answer some questions about your trip. You may also choose to add extra paid upgrades to your cover while activating.

  • Note: Certain restrictions apply for persons aged 80 years or over. Your spouse and/or dependent children will only be eligible for this cover under an Activated Policy if they travel with you for the entire journey.

Interstate Flight Inconvenience Insurance

You must charge the entire cost of your return interstate flight fare (excluding taxes, or airport or travel agent charges) to your eligible credit card account. If you’re eligible for this insurance and satisfy the requirements, then the insurance extends to your spouse and/or dependent children who are travelling with you and who have also had the entire cost of their return interstate flight fares (but not taxes, or airport or travel agent’s charges) charged to your credit card account. Interstate Flight Inconvenience Insurance is not available to Norfolk Island Residents.

Transit Accident Insurance

The entire payment for the trip must be charged to your eligible credit card account prior to the trip. Your spouse and/or dependent children will also be covered, provided they are travelling with you, and the entire payment for their trip was also charged to your credit card prior to the trip.

HSBC

HSBC credit cards and the types of complimentary travel insurance they provide:

ProductInternational Travel InsuranceTransit Accident InsuranceInterstate Flight Inconvenience Insurance
HSBC Platinum Credit CardYesYesNo
HSBC Platinum Qantas Credit CardYesYesNo
 HSBC Premier World MastercardYesYesNo
 HSBC Premier Debit CardYesYesNo

In some cases, specific cards may offer different levels of coverage or excess costs. Make sure you read the complimentary credit card insurance terms and conditions or contact your issuer to find out exactly what coverage is provided by your credit card.

Definitions
  • “Spouse”. A partner of the cardholder who is permanently living with the cardholder at the time the journey starts.
  • “Dependent child/children”. All unmarried children up to and including the age of 18, whom the cardholder has sole custody of and who live with the cardholder, or whom the cardholder has shared custody of; all unmarried children from the age of 19, up to and including the age of 21, who are full-time students attending an accredited institution of higher learning in Australia and whom the cardholder has/had sole or shared custody of, and who are dependent upon the cardholder for their maintenance and financial support; or all unmarried persons who are physically or mentally incapable of self-support whom the cardholder has custody of and who live with the cardholder.
Requirements

For International Travel Insurance, you must for yourself and each additional family member travelling with you for the entire journey:

  • Purchase an overseas return travel ticket before leaving Australia
  • Pay by charging at least 90% of the total cost of the overseas return travel ticket to your eligible credit card account

Transit Accident Insurance

This cover is only available if cardholders charge the cost of the trip to your credit card account before the trip commences.

Learn more about HSBC credit card complimentary insurance

Suncorp

Suncorp Bank credit cards and the types of complimentary travel insurance they provide:

ProductInternational Travel InsuranceTransit Accident InsuranceInterstate Flight Inconvenience Insurance
Suncorp Platinum CardYesYesNo

In some cases, specific cards may offer different levels of coverage or excess costs. Make sure you read the complimentary credit card insurance terms and conditions or contact your issuer to find out exactly what coverage is provided by your credit card.

Definitions
  • “Spouse”. A married, de facto or affianced partner of the cardholder who is permanently living with the cardholder at the time the journey or trip starts and who travels with the cardholder for the entire journey or trip (proof of relationship may be required).
  • “Dependent child/children”. An unmarried child of a cardholder, up to and including the age of 21, who is primarily dependant on the cardholder for their maintenance and support and who travels with the cardholder for the entire journey or trip but does not include a child born on the journey or trip.
Requirements

For International Travel Insurance, you must for yourself and each additional family member travelling with you for the entire journey:

  • Purchase an overseas travel ticket before leaving Australia (excluding taxes, or airport or travel agent charges)
  • Pay by charging it to your eligible credit card account or redeeming your Suncorp Bank Rewards points, or by obtaining the overseas travel ticket under the Take Flight® Program

The cardholder must also reside in Australia and hold either an Australian Medicare card or a current and valid subclass 457 visa 2.

Interstate Flight Inconvenience Insurance

You must be on an interstate Australian trip of up to 14 days, and charge the entire cost of your return interstate flight fare (excluding taxes, or airport or travel agent charges) to your eligible credit card account prior to commencing the journey. If you’re eligible for this insurance and satisfy the requirements, then the insurance extends to your spouse and/or dependent children who are travelling with you for the entire journey and who have also had the entire prepaid cost of their return interstate flight fares (but not taxes, or airport or travel agent’s charges) charged to your credit card account.

Transit Accident Insurance

The entire payment for the trip must be charged to your eligible credit card account prior to the trip. Your spouse and/or dependent children will also be covered, provided they are travelling with you for the entire trip, and the entire payment for their trip was also charged to your credit card beforehand.

Learn more about Suncorp credit card complimentary insurance

Virgin Money

Virgin Money credit cards and the types of complimentary travel insurance they provide:

ProductInternational Travel InsuranceTransit Accident InsuranceInterstate Flight Inconvenience Insurance
Virgin Australia Velocity High Flyer CardYesYesYes
Virgin Australia Velocity Flyer CardNoYesNo

In some cases, specific cards may offer different levels of coverage or excess costs. Make sure you read the complimentary credit card insurance terms and conditions or contact your issuer to find out exactly what coverage is provided by your credit card.

Definitions
  • “Spouse”. A married or de facto partner of the cardholder who is permanently living with the cardholder at the time the journey starts (proof of relationship may be required).
  • “Dependent child/children”. Unmarried children of a cardholder up to and including the age of 18 who live with the cardholder (but not children born on the journey); and unmarried children of a cardholder up to and including the age of 21 who are full-time students attending an accredited institution of higher learning in Australia, and are dependent upon the cardholder for their maintenance and support and always live with the cardholder or live with the cardholder when they are not attending the accredited institution of higher learning.
Requirements

For International Travel Insurance, you must for yourself and each additional family member travelling with you for the entire journey:

  • Purchase an overseas travel ticket before leaving Australia
  • Pay by charging it to your Virgin High Flyer credit card account

Interstate Flight Inconvenience Insurance

You must be on an interstate Australian trip of up to 14 days, and charge the entire cost of your return interstate flight fare (excluding taxes, or airport or travel agent charges) to your Virgin High Flyer credit card account.

If you’re eligible for this insurance and satisfy the requirements, then the insurance extends to your spouse and/or dependent children who are travelling with you and who have also had the entire cost of their return interstate flight fares (but not taxes, or airport or travel agent’s charges) charged to your Virgin High Flyer credit card account. Note: This cover also extends to other persons who are travelling with you if you obtained their return interstate flight ticket by way of the “Virgin High Flyer Up to 4 complimentary flights every year Rewards Programme”.

Transit Accident Insurance

The entire payment for the trip must be charged to your eligible credit card account prior to the trip. Your spouse and/or dependent children will also be covered, provided they are travelling with you, and the entire payment for their trip was also charged to your credit card beforehand.

Learn more about Virgin Money credit card complimentary insurance

QBE

With 130 years of experience in the business, QBE is one of the world's top 20 general insurance and reinsurance companies. It’s headquartered in Sydney, but has a strong global network to meet your travel insurance needs. QBE Assist provides 24/7 emergency assistance anywhere in the world, no matter what your need. It underwrites the credit card travel insurance policies of ANZ, Bank of Melbourne, BankSA, NAB and St.George.

ANZ

ANZ credit cards and the types of complimentary travel insurance they provide:

ProductOverseas Travel and Medical InsuranceTransport Accident CoverInterstate Flight Inconvenience Insurance
ANZ Frequent Flyer PlatinumYesYesYes
ANZ Rewards PlatinumYesYesYes
ANZ Rewards Travel AdventuresYesYesYes
ANZ Low Rate PlatinumYesYesYes
ANZ PlatinumYesYesYes
ANZ Frequent Flyer BlackYesYesYes
ANZ Rewards BlackYesYesYes

In some cases, specific cards may offer different levels of coverage or excess costs. Make sure you read the complimentary credit card insurance terms and conditions or contact your issuer to find out exactly what coverage is provided by your credit card.

Definitions
  • “Spouse”. A legal or de facto spouse or a partner with whom you are in a permanent relationship (proof of relationship may be required).
  • “Dependent child/children”. All unmarried children of a participating cardholder from birth to the age of 19 who live with the participating cardholder; or unmarried children of a participating cardholder from the age of 19 to the age of 25 who are full-time students attending an accredited institution of higher learning in Australia, and are dependent upon the participating cardholder for their maintenance and support and reside ordinarily with the participating cardholder or live with the participating cardholder when they are not attending the accredited institution of higher learning, that are travelling with you on the trip.
Requirements

For Overseas Travel and Medical Insurance, you (the “cardholder”) and your spouse and each child travelling with you must:

  • Be an Australian citizen or resident or hold a valid visa (including a 457) which: (i) lets you live and work in Australia; and (ii) requires that you maintain a minimum level of health insurance coverage and (iii) has more than three months’ validity beyond the scheduled return date to Australia; and you have spent more than 75% of your time in Australia: (iv) in the 12 months prior to your trip; or (v) if you have been in Australia less than 12 months before going on your trip, since you became a permanent resident or visa holder; and
  • Be 80 years of age or under when you activated cover; and
  • Have a return ticket to Australia; and
  • Have used your eligible credit card account before you went on your trip to purchase at least AUD$250* in total (inclusive of taxes and other charges) of: (i) transport costs (airfares and/or cruise); and/or (ii) land content costs (tours, hire cars or other hired transport and accommodation); for you and for your spouse and child who are on that trip with you. *Award or loyalty points do not count towards minimum spend.

Interstate Flight Inconvenience Insurance

You must be on an interstate Australian trip of up to 14 days, and charge the entire cost of your return interstate flight fare (excluding taxes, or airport or travel agent charges) to your eligible credit card account.

If you’re eligible for this insurance and satisfy the requirements, then the insurance extends to your spouse and/or dependent children who are travelling with you for the entire journey and who have also had the entire cost of their return interstate flight fares (but not taxes, or airport or travel agent’s charges) charged to your credit card account.

Transport Accident Cover

You and your spouse and children travelling with you will automatically be covered if you:

  • Continue to be a participating cardholder for the duration of your trip; and
  • Be a permanent resident of Australia or a person who holds; (i) a Temporary Work (Skilled) visa (subclass 457); or (ii) an Australian visa which: A. authorises you to live and work in Australia; and B. requires you to maintain a minimum level of health insurance coverage as required by the Department of Immigration and Citizenship; and C. that has more than three months’ validity beyond the scheduled return date to Australia for any trip; and
  • Have charged the full cost of any trip to the participating card account; and
  • If: (i) you have been an Australian permanent resident or visa holder referred to in paragraph (b) (i) or (ii) above for at least 12 months, have spent at least 75% of that time in Australia, or (ii) you have been an Australian permanent resident or visa holder referred to in paragraph (b) (i) or (ii) above for less than 12 months, have spent at least 75% of that time in Australia. If you have satisfied all of the above criteria then you will be automatically considered to have activated cover

Learn more about ANZ credit card complimentary insurance

Bank of Melbourne

Bank of Melbourne credit cards and the types of complimentary travel insurance they provide:

ProductInternational Travel InsuranceTransit Accident InsuranceInterstate Flight Inconvenience Insurance
Amplify Signature credit cardYesYesYes
Vertigo Platinum credit cardYesYesYes
Platinum Mastercard credit cardYesYesYes
Visa Platinum Private Clients credit cardYesYesYes
Amplify Platinum credit cardYesYesNo
Gold Low Rate Visa credit cardYesYesNo
Gold Low Rate Mastercard credit cardYesYesNo
Gold Advantage Visa credit cardYesYesNo
Gold Advantage Mastercard credit cardYesYesNo

In some cases, specific cards may offer different levels of coverage or excess costs. Make sure you read the complimentary credit card insurance terms and conditions or contact your issuer to find out exactly what coverage is provided by your credit card.

Definitions
  • “Spouse”. A married, de facto or affianced partner of the cardholder who is permanently living with the cardholder at the time the journey or trip starts and who travels with the cardholder for the entire journey or trip (proof of relationship may be required).
  • “Dependent child/children”. All unmarried children up to and including the age of 18, whom the cardholder has sole custody of and who live with the cardholder, or whom the cardholder has shared custody of; all unmarried children from the age of 19, up to and including the age of 25, who are full-time students attending an accredited institution of higher learning in Australia and whom the cardholder has/had sole or shared custody of, and who are dependent upon the cardholder for their maintenance and financial support; or all unmarried persons who are physically or mentally incapable of self-support whom the cardholder has custody of and who live with the cardholder. However, dependent child/children never means an infant born on the journey.
Requirements

For International Travel Insurance, you must for yourself and each additional family member travelling with you for the entire journey:

  • Purchase a return overseas travel ticket before leaving Australia
  • Spend at least $500 on your prepaid travel costs (i.e. travel costs that you pay for before leaving Australia) and charge these costs (e.g. cost of your return overseas travel ticket; and/or airport/departure taxes; and/or your prepaid overseas accommodation/travel; and/or your other prepaid overseas itinerary items) to your eligible credit card
  • Be 80 years of age or under when you first become eligible for this cover

You must also permanently reside in Australia, or hold a current and valid 457 Visa and reside in Australia.

Interstate Flight Inconvenience Insurance

You must be on an interstate Australian trip of up to 14 days, and charge the entire cost of your return interstate flight fare (excluding taxes, or airport or travel agent charges) to your eligible credit card account. If you’re eligible for this insurance and satisfy the requirements, then the insurance extends to your spouse and/or dependent children who are travelling with you for the holiday and who have also had the entire prepaid cost of their return interstate flight fares (but not taxes, or airport or travel agent’s charges) charged to your credit card account.

Transit Accident Insurance

The entire payment for the trip must be charged to your eligible credit card account prior to the trip. Your spouse and/or dependent children will also be covered, provided they are travelling with you for the entire trip, and the entire payment for their trip was also charged to your credit card beforehand.

Learn more about Bank of Melbourne credit card complimentary insurance

BankSA

BankSA credit cards and the types of complimentary travel insurance they provide:

ProductInternational Travel InsuranceTransit Accident InsuranceInterstate Flight Inconvenience Insurance
Amplify Signature credit cardYesYesYes
Vertigo Platinum credit cardYesYesYes
Platinum Mastercard credit cardYesYesYes
Visa Platinum Private Clients credit cardYesYesYes
Amplify Platinum credit cardYesYesNo
Gold Low Rate Visa credit cardYesYesNo
Gold Low Rate Mastercard credit cardYesYesNo
Gold Advantage Visa credit cardYesYesNo
Gold Advantage Mastercard credit cardYesYesNo

In some cases, specific cards may offer different levels of coverage or excess costs. Make sure you read the complimentary credit card insurance terms and conditions or contact your issuer to find out exactly what coverage is provided by your credit card.

Definitions
  • “Spouse”. A de facto partner of the cardholder who is permanently living with the cardholder at the time the journey starts or a person married to the cardholder (proof of relationship may be required).
  • “Dependent child/children”. All unmarried children up to and including the age of 18, whom the cardholder has sole custody of and who live with the cardholder, or whom the cardholder has shared custody of; all unmarried children from the age of 19, up to and including the age of 25, who are full-time students attending an accredited institution of higher learning in Australia and whom the cardholder has/had sole or shared custody of, and who are dependent upon the cardholder for their maintenance and financial support; or all unmarried persons who are physically or mentally incapable of self-support whom the cardholder has custody of and who live with the cardholder. However, dependent child/children never means an infant born on the journey.
Requirements

For International Travel Insurance, you must for yourself and each additional family member travelling with you for the entire journey:

  • Purchase a return overseas travel ticket before leaving Australia
  • Spend at least $500 on your prepaid travel costs (i.e. travel costs that you pay for before leaving Australia) and charge these costs (e.g. cost of your return overseas travel ticket; and/or airport/departure taxes; and/or your prepaid overseas accommodation/travel; and/or your other prepaid overseas itinerary items) to your eligible credit card
  • Be 80 years of age or under when you first become eligible for this cover

You must also permanently reside in Australia, or hold a current and valid 457 visa and reside in Australia.

Interstate Flight Inconvenience Insurance

You must be on an interstate Australian trip of up to 14 days, and charge the entire cost of your return interstate flight fare (excluding taxes, or airport or travel agent charges) to your eligible credit card account.

If you’re eligible for this insurance and satisfy the requirements, then the insurance extends to your spouse and/or dependent children who are travelling with you for the holiday and who have also had the entire prepaid cost of their return interstate flight fares (but not taxes, or airport or travel agent’s charges) charged to your credit card account.

Transit Accident Insurance

The entire payment for the trip must be charged to your eligible credit card account prior to the trip. Your spouse and/or dependent children will also be covered, provided they are travelling with you for the entire trip, and the entire payment for their trip was also charged to your credit card prior to the trip.

Learn more about BankSA credit card complimentary insurance

NAB

NAB credit cards and the types of complimentary travel insurance they provide:

ProductOverseas Travel and Medical InsuranceTransport Accident InsuranceInterstate Flight Insurance and Domestic Hotel Burglary Insurance
NAB Premium credit cardYesYesYes
NAB Qantas Plus cardYesYesYes
NAB flybuys Rewards cardYesYesYes
NAB credit cardYesYesYes

In some cases, specific cards may offer different levels of coverage or excess costs. Make sure you read the complimentary credit card insurance terms and conditions or contact your issuer to find out exactly what coverage is provided by your credit card.

Definitions
  • “Spouse”. A spouse or de facto partner of either sex, with whom you have continuously cohabited for a period of 3 consecutive months or more and who travels with you on the overseas journey.
  • “Dependent child/children”. Your unmarried child or children who are: (a) 18 years of age or younger; or (b) 24 years of age or younger if they are full-time students at an institution of higher learning; and at the time of a covered event giving rise to a claim are primarily dependent upon you for maintenance and support and who are travelling with you on the journey. A child who is physically or mentally incapable of self-support upon attaining the age of 18 years shall continue to be covered under this policy as a dependent child, for as long as the child remains incapacitated and unmarried. The dependent child must have been born before the start of the trip.
Requirements

For Overseas Travel and Medical Insurance, you must for yourself and each additional family member travelling with you for the entire journey:

  • Purchase on a NAB card a minimum of $500 (inclusive of taxes and other charges) of pre-booked transport costs (airfares and/or cruise) and/or land content (tours, hire cars or other hired transport and accommodation) prior to the commencement of the trip. Award or loyalty points do not count towards minimum spend
  • Be 90 years of age or under before you departed for your trip

Interstate Flight Insurance

You and your accompanying spouse and/or child must have purchased on a NAB card 100%* of your return interstate airfares prior to the commencement of the trip. The purchase must be debited to a NAB card prior to your departure from Australia. *Award or loyalty points do not count towards minimum spend.

Domestic Hotel Burglary Insurance

You and your accompanying spouse and/or child must have purchased on a NAB card 100%* (inclusive of taxes and other charges) of your domestic hotel/motel accommodation costs; or have secured 100% of your hotel/motel expenses at check-in with your NAB card. *Award or loyalty points do not count towards minimum spend.

Transit Accident Insurance

You and your accompanying spouse and/or child must have purchased on a NAB card 100%* of your conveyance costs (inclusive of taxes, fees and other charges). The purchase must be debited to a NAB card prior to the commencement of travel on a conveyance. *Award or loyalty points do not count towards minimum spend.

Learn more about NAB credit card complimentary insurance

St.George

St.George credit cards and the types of complimentary travel insurance they provide:

ProductOverseas Travel InsuranceTransit Accident InsuranceInterstate Flight Inconvenience Insurance
Amplify Signature credit cardYesYesYes
Vertigo Platinum credit cardYesYesYes
Platinum Mastercard credit cardYesYesYes
Visa Platinum Private Clients credit cardYesYesYes
Amplify Platinum credit cardYesYesNo
Gold Low Rate Visa credit cardYesYesNo
Gold Low Rate Mastercard credit cardYesYesNo
Gold Advantage Visa credit cardYesYesNo
Gold Advantage Mastercard credit cardYesYesNo

In some cases, specific cards may offer different levels of coverage or excess costs. Make sure you read the complimentary credit card insurance terms and conditions or contact your issuer to find out exactly what coverage is provided by your credit card.

Definitions
  • “Spouse”. A de facto partner of the cardholder who is permanently living with the cardholder at the time the journey starts or a person married to the cardholder (proof of relationship may be required).
  • “Dependent child/children”. All unmarried children up to and including the age of 18, whom the cardholder has sole custody of and who live with the cardholder, or whom the cardholder has shared custody of; all unmarried children from the age of 19, up to and including the age of 25, who are full-time students attending an accredited institution of higher learning in Australia and whom the cardholder has/had sole or shared custody of, and who are dependent upon the cardholder for their maintenance and financial support; or all unmarried persons who are physically or mentally incapable of self-support whom the cardholder has custody of and who live with the cardholder. However, dependent child/children never means an infant born on the journey.
Requirements

For Overseas Travel Insurance, you must for yourself and each additional family member travelling with you for the entire journey:

  • Purchase a return overseas travel ticket before leaving Australia
  • Spend at least $500 on your prepaid travel costs (i.e. travel costs that you pay for before leaving Australia) and charge these costs (e.g. cost of your return overseas travel ticket; and/or airport/departure taxes; and/or your prepaid overseas accommodation/travel; and/or your other prepaid overseas itinerary items) to your eligible credit card
  • Be 80 years of age or under when you first become eligible for this cover

You must also permanently reside in Australia, or hold a current and valid 457 visa and reside in Australia.

Interstate Flight Inconvenience Insurance

You must be on an interstate Australian trip of up to 14 days, and charge the entire cost of your return interstate flight fare (excluding taxes, or airport or travel agent charges) to your eligible credit card account. If you’re eligible for this insurance and satisfy the requirements, then the insurance extends to your spouse and/or dependent children who are travelling with you for the holiday and who have also had the entire prepaid cost of their return interstate flight fares (but not taxes, or airport or travel agent’s charges) charged to your credit card account.

Transit Accident Insurance

The entire payment for the trip must be charged to your eligible credit card account prior to the trip. Your spouse and/or dependent children will also be covered, provided they are travelling with you for the entire trip, and the entire payment for their trip was also charged to your credit card beforehand.

Learn more about St.George credit card complimentary insurance

Other factors to consider

Here are some other points to consider before choosing a credit card with complimentary travel insurance:

  • Length of coverage. Some complimentary travel insurance last for up to three months while other policies (usually for more premium cards) may offer coverage up to six months. This could make a big difference depending on your travel plans.
  • Activation requirements. Most credit cards have requirements necessary to activate the full travel insurance policy, e.g. by purchasing pre-booked return travel tickets on your credit card.
  • Age limits. Most insurance policies only cover people up to a certain age. There are also age specifications for dependent children. It’s important to confirm your eligibility for a policy.
  • Excess costs. You usually need to pay an excess when making a claim, the amount of which can be found in your credit card insurance product disclosure statement.
  • Credit card costs. Credit cards offering this type of complimentary insurance usually come with high annual fees and interest rates, so you should weigh up the pros and cons of your prospective card.

Complimentary travel insurance can be a convenient bonus when it comes to taking the family on a holiday, but be sure to read your Product Disclosure Statement for specific information pertaining to your insurance policy and provisions. For precise length of cover, claim excesses and claim benefits, please check with your credit card insurer or search your particular credit card product guide.

Jonathan

Jonathan is the Assistant Publisher for credit cards and travel money at finder.com.au He's driven by solving problems for consumers, helping them find the product for their needs.

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