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Does credit card complimentary travel insurance cover my family?

Credit cards with complimentary travel insurance usually cover your spouse and dependent children travelling with you – here's what you need to know.

Updated

Jan 20, 2023

Fact checked

If you're planning a holiday and want to get travel insurance through your credit card, most of the time your cover will extend to your partner and children when all of you meet the requirements for cover. This typically includes paying for some or all of your travel booking and travelling together for most or all of the trip.

It is different for every travel insurance policy though, which is why it's important to read the policy document. But if you just want a quick look at what's available right now, here are the key details for different credit card insurance options that cover your whole family.

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

We've looked at some of Australia's major credit card providers that offer complimentary travel insurance that covers you and your family. You can search for a brand here to see which insurance company provides the cover.

Search by provider

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

Remember, every travel insurance policy has different requirements, terms and conditions. So always check the complimentary insurance policy document for full details.

Who is considered a spouse or dependent for complimentary credit card travel insurance?

The definition of a spouse and dependent children is slightly different for each complimentary credit card travel insurance policy. But they are generally along the lines of the following definitions:

Spouse

This may include your husband, wife, spouse or de-facto partner who is permanently living with you at the time that your journey begins. You may need to show proof of your relationship. Some policies may require you to have lived with your partner for a set period (such as 3 consecutive months) prior to the trip.

Dependent children

The term dependent children refers to your unmarried child or children, typically up to the age of 16 or 18. It can also include children who are 24 years old or younger if they live with you or are enrolled in full-time higher education.

Some policies may have a broader definition to include dependents older than 18 if they have a condition that makes them reliant on you. So it's worth checking your card's insurance policy or contacting the insurer to confirm who is eligible for cover.

What conditions will my family or dependents need to meet for cover?

Every complimentary credit card travel insurance policy has different conditions you need to meet for cover. They can also have separate requirements for your spouse and dependents. Some of the most common include:

Travel details. Most policies require your spouse or children to be travelling with you for all of the trip, or for a minimum amount of time. For example, 50% to 80% of your trip. Usually, you and your family also need to have return tickets to and from Australia before you leave.
Spending 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. Eligible family members travelling with you usually need to be permanent Australian residents to get cover under your complimentary credit card travel insurance policy.
Exclusions and pre-existing conditions. Complimentary insurance generally doesn't cover pre-existing medical conditions. It's important to check what's automatically covered, what you may need a referral for and what won't be covered before you leave.

Will credit card international travel insurance cover me and my family for coronavirus?

Generally, no. Coronavirus is a pandemic and most travel insurance policies do not offer cover for epidemics or pandemics.

We know how confusing the coronavirus situation can be when you're planning a trip, which is why Finder has a whole guide on coronavirus and travel insurance – including policies that offer some cover and answers to key questions.

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 Finder's guide to credit cards with complimentary travel insurance.

Compare credit cards with complimentary travel insurance

1 - 15 of 17

Name	Purchase rate p.a.	Bonus points	Points per $ spent	Interest-free period	Balance transfer rate p.a.	Annual fee
Qantas Premier Platinum Qantas Frequent Flyer	Purchase rate p.a. 19.99%	Bonus points 80,000	Points per $ spent 1	Interest-free period Up to 55 days on purchases	Balance transfer rate p.a. 0% for 12 months, then 21.99%	Annual fee $349 first year ($399 after)	Go to site More Info Compare	Earn up to 80,000 bonus Qantas Points. Plus, save with a reduced first-year annual fee and 0% p.a. for 12 months on balance transfers.
Qantas Premier Everyday Qantas Frequent Flyer	Purchase rate p.a. 19.99%	Bonus points 8,000	Points per $ spent 0.75	Interest-free period Up to 55 days on purchases	Balance transfer rate p.a. 0% for 12 months, then 21.99%	Annual fee $49	Go to site More Info Compare	Get 2 bonus Qantas Points per $1 spent on eligible purchases in the first 4 months (up to 8,000 points), plus complimentary insurance.
Qantas American Express Ultimate Card Qantas Frequent Flyer	Purchase rate p.a. 23.99%	Bonus points 60,000	Points per $ spent 1.25	Interest-free period Up to 44 days on purchases	Balance transfer rate p.a.	Annual fee $450	Go to site More Info Compare	Get 60,000 bonus Qantas Points when you spend $3,000 in the first 3 months. Plus, a yearly $450 Travel Credit.
American Express Qantas Business Rewards Card Qantas Business Rewards	Purchase rate p.a. 0%	Bonus points 100,000	Points per $ spent 1.25	Interest-free period Up to 51 days on purchases	Balance transfer rate p.a.	Annual fee $450	Go to site More Info Compare	ABN holders w/ $75k revenue. Earn 100,000 bonus Qantas Points when you spend $3,000 in the first 2 months.
American Express Velocity Platinum Card Velocity Frequent Flyer	Purchase rate p.a. 23.99%	Bonus points 60,000	Points per $ spent 1.25	Interest-free period Up to 55 days on purchases	Balance transfer rate p.a.	Annual fee $375	Go to site More Info Compare	Get 60,000 bonus Velocity Points when you spend $3,000 in the first 3 months. Plus a return domestic flight each year.
American Express Platinum Edge Credit Card Membership Rewards	Purchase rate p.a. 23.99%	Bonus points N/A	Points per $ spent 1	Interest-free period Up to 55 days on purchases	Balance transfer rate p.a.	Annual fee $0 first year ($195 after)	Go to site More Info Compare	Save with a $0 annual fee in the first year. Plus, $200 travel credit every year.
American Express Explorer Credit Card Membership Rewards	Purchase rate p.a. 23.99%	Bonus points 50,000	Points per $ spent 2	Interest-free period Up to 55 days on purchases	Balance transfer rate p.a.	Annual fee $395	Go to site More Info Compare	Get 50,000 bonus Membership Rewards Points when you spend $4,000 in the first 3 months.
Qantas American Express Premium Card Qantas Frequent Flyer	Purchase rate p.a. 23.99%	Bonus points 30,000	Points per $ spent 1	Interest-free period Up to 44 days on purchases	Balance transfer rate p.a.	Annual fee $249	Go to site More Info Compare	Get 30,000 bonus Qantas Points and 2 complimentary Qantas Club lounge invitations per year, plus complimentary travel insurance.
American Express Platinum Business Card Membership Rewards Ascent Premium	Purchase rate p.a. 0%	Bonus points 200,000	Points per $ spent 2.25	Interest-free period Up to 55 days on purchases	Balance transfer rate p.a.	Annual fee $1,750	Go to site More Info Compare	ABN holders w/ $75,000 revenue. Get 200,000 bonus Membership Rewards points when you spend $8,000 in the first 3 months.
American Express Platinum Card Membership Rewards Ascent Premium	Purchase rate p.a. 0%	Bonus points 150,000	Points per $ spent 2.25	Interest-free period Up to 44 days on purchases	Balance transfer rate p.a.	Annual fee $1,450	Go to site More Info Compare	Earn 150,000 bonus Membership Rewards Points when you spend $5,000 in the first 3 months. Plus, a $450 Travel Credit each year.
St.George Amplify Signature Amplify Rewards	Purchase rate p.a. 19.49%	Bonus points 150,000	Points per $ spent 1.5	Interest-free period Up to 55 days on purchases	Balance transfer rate p.a. 0% for 24 months with 1% balance transfer fee, then 21.49%	Annual fee $199 first year ($295 after)	Go to site More Info Compare	150,000 bonus Amplify Points (worth $675 in gift cards) when you spend $12,000 in the first 12 months. Plus, a first-year annual fee discount.
American Express Gold Business Card Membership Rewards Ascent	Purchase rate p.a. 0%	Bonus points 75,000	Points per $ spent 1.5	Interest-free period Up to 51 days on purchases	Balance transfer rate p.a.	Annual fee $169	Go to site More Info Compare	ABN holders w/ $75,000 revenue. Get 75,000 bonus Membership Rewards Points when you spend $1,000 within the first 2 months. Plus, earn 1.5 points per $1 on eligible spending with Membership Rewards.
American Express Business Explorer Credit Card Membership Rewards Gateway	Purchase rate p.a. 23.99%	Bonus points 75,000	Points per $ spent 2	Interest-free period Up to 55 days on purchases	Balance transfer rate p.a.	Annual fee $149	Go to site More Info Compare	ABN holders w/ $75,000 revenue. Get 75,000 bonus points when you spend $3,000 in the first 3 months.
American Express Velocity Business Card Velocity Frequent Flyer	Purchase rate p.a. 0%	Bonus points 100,000	Points per $ spent 1	Interest-free period Up to 51 days on purchases	Balance transfer rate p.a.	Annual fee $249	Go to site More Info Compare	ABN holders w/ $75,000 revenue. Get 100,000 bonus Velocity Points when you spend $3,000 in the first 2 months.
Westpac Altitude Black Westpac Altitude Rewards	Purchase rate p.a. 19.99%	Bonus points 150,000	Points per $ spent 1.25	Interest-free period Up to 45 days on purchases	Balance transfer rate p.a.	Annual fee $150 first year ($295 after)	Go to site More Info Compare	Earn up to 150,000 bonus Altitude Rewards Points (100k when you spend $6,000 in the first 120 days and 50k in year 2).

Showing 15 of 17 results

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Amy Bradney-George

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Amy Bradney-George is the senior writer for credit cards at Finder, and editorial lead for Finder Green. She has over 14 years’ experience as a journalist, with a particular focus on personal finance, and has been featured in publications including ABC News, Money Magazine and The Sydney Morning Herald.

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