Are my spouse and children eligible for complimentary travel insurance?

Make sure the whole family is protected 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 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

Name Product Purchase rate Interest-free period Annual fee Balance transfer rate
HSBC Platinum Credit Card
19.99% p.a.
Up to 55 days on purchases
$29 annual fee for the first year ($129 p.a. thereafter)
0% p.a. for 36 months
Save money with a 0% balance transfer rate for 36 months (with no BT fee), a first-year annual fee discount and free travel insurance.
ANZ Rewards Platinum - Exclusive Offer
20.24% p.a.
Up to 55 days on purchases
$0 annual fee for the first year ($95 p.a. thereafter)
20.24% p.a.
150,000 bonus Reward Points (worth $670 in gift cards) when you spend $1,500 on eligible purchases in the first 3 months. $0 first year annual fee. Ends 30 July 2021.
NAB Qantas Rewards Signature Card
19.99% p.a.
Up to 44 days on purchases
$295 annual fee for the first year ($395 p.a. thereafter)
0% p.a. for 6 months with 2% balance transfer fee
Earn up to 110,000 bonus Qantas Points (90,000 when you spend $3,000 in the first 60 days and 20k after 12 months).
Citi Rewards Card - Balance Transfer Offer
21.49% p.a.
Up to 55 days on purchases
$49 annual fee for the first year ($149 p.a. thereafter)
0% p.a. for 30 months
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.
Up to 55 days on purchases
$225 annual fee for the first year ($299 p.a. thereafter)
0% p.a. for 18 months with 1% balance transfer fee
Earn 80,000 bonus Qantas Points when you spend $4,000 in the first 3 months, 80 bonus Status Credits on eligible spend and a reduced first-year annual fee.
ANZ Platinum Credit Card
0% p.a. for 17 months, reverts to 20.24% p.a.
Up to 55 days on purchases
$0 annual fee for the first year ($87 p.a. thereafter)
20.24% p.a.
Receive a 0% purchase rate offer for 17 months and a $0 first-year annual fee. Plus, complimentary overseas travel and medical insurance.
St.George Amplify Platinum - Qantas
19.74% p.a.
Up to 55 days on purchases
$99
0% p.a. for 15 months with 1% balance transfer fee
Earn 60,000 bonus Qantas Points, plus enjoy 0% p.a. on balance transfers for 15 months with a 1% BT fee.
American Express Explorer Credit Card
20.74% p.a.
Up to 55 days on purchases
$395
Get 50,000 bonus Membership Rewards Points when you spend $3,000 in the first 3 months. Plus, a $400 Travel Credit each year.
Qantas American Express Premium Card
20.74% p.a.
Up to 44 days on purchases
$249
Enjoy 30,000 bonus Qantas Points, 2 complimentary Qantas Club lounge invitations per year and the protection of complimentary insurance covers.
St.George Amplify Signature - Qantas
19.74% p.a.
Up to 55 days on purchases
$279
0% p.a. for 15 months with 1% balance transfer fee
Get 90,000 bonus Qantas Points when you spend $6,000 using your new card within 90 days from approval and 2 Qantas Club lounge invitations per year.
Qantas American Express Ultimate Card
20.74% p.a.
Up to 44 days on purchases
$450
Receive 55,000 bonus Qantas Points when you spend $3,000 in the first 3 months. Plus, a $450 Qantas Travel Credit each year.
Westpac Altitude Platinum Qantas
20.49% p.a.
Up to 45 days on purchases
$149 annual fee for the first year ($200 p.a. thereafter)
0% p.a. for 18 months with 1% balance transfer fee
Get 60,000 bonus Qantas Points when you spend $3,000 within 90 days. Plus, a first-year annual fee discount and a 0% balance transfer offer.
Bankwest Zero Platinum Mastercard
14.99% p.a.
Up to 55 days on purchases
$0
0% p.a. for 26 months with 2% balance transfer fee
Get 0% p.a. on balance transfers for 26 months (with a 2% BT fee), ​an ongoing $0 annual fee and 0% foreign transaction fees.
American Express Velocity Platinum Card
20.74% p.a.
Up to 55 days on purchases
$375
Get 120,000 bonus Velocity Points and 120 Velocity Status Credits when you spend $4,500 in the first 3 months. Plus a complimentary domestic flight each year.
ANZ Frequent Flyer Black
20.24% p.a.
Up to 55 days on purchases
$425
20.24% p.a.
Collect 120,000 bonus Qantas Points and $200 back when you spend $3,000 in the first 3 months. Plus, complimentary lounge passes.
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