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Complete guide to NAB complimentary travel insurance

From activating your cover to making a claim, learn about NAB's credit card complimentary travel insurance options for domestic and overseas trips.

NAB offers a range of credit cards that include travel insurance as a complimentary extra. These travel insurance policies can save you buying cover outright, as long as you meet the eligibility requirements and know the terms and conditions before you travel or make a claim.

Use this guide to learn more about the travel insurance cover available with some NAB credit cards, including eligibility requirements and the claims process, so that you can get the most out of this extra when you go away.

What NAB credit cards come with complimentary insurance?

NAB has six credit cards that offer complimentary domestic and international travel insurance, including low rate, rewards and frequent flyer options, which we've outlined in the table below.

CardDescriptionPurchase rateAnnual fee
NAB Low Fee Platinum CardA platinum Visa with a seven complimentary insurance covers and up to 44 days interest-free on purchases.19.74% p.a.$90
NAB Low Rate Platinum CardIncludes domestic and overseas travel insurance cover and has a competitive standard variable interest rate.13.99% p.a.$100
NAB Qantas Rewards Premium CardThis dual credit card earns Qantas Point per $1 spent and comes with seven complimentary insurances.19.99% p.a.$250
NAB Rewards Platinum CardThis premium card earns NAB Rewards points per $1 spent and offers seven complimentary insurance covers.19.99% p.a.$195

What are the eligibility requirements?

As with any insurance policy, you need to meet a number of eligibility requirements before you can use NAB credit card complimentary travel insurance. The key criteria are:

  • Prepaid travel costs. You must purchase a minimum of $500 (inclusive of taxes and other charges) in pre-booked transportation costs and/or land content costs on your eligible NAB credit card before the start of your trip. This could include any of the following: air fares, rail tickets, road or watercraft transport costs and tours, hire cars or other hired transport and accommodation. Note that payment must be made directly from your NAB card and purchases made using direct debit, PayPal, BPAY or Secure Pay or any other payment facility are not eligible. Award or loyalty points also cannot count towards your minimum spend.
  • Age. You must be 90 years of age or under before you departed on your trip. However, cardholders between the ages of 76 and 90 years receive limited benefits compared to cardholders aged 75 years and under, including no overseas travel and medical insurance benefit. We've included details in the international cover section of this guide.
  • Spouse and dependent children. If your spouse or dependent children are travelling with you they will also be covered under the policy.
  • Location. NAB’s overseas travel and medical insurance provides cover in Norfolk Island, Lord Howe Island, the Cocos Island, Christmas Island and for domestic air travel when connecting to overseas travel. Domestic air travel required to connect with overseas travel or domestic air travel forming part of the overseas travel will be regarded as overseas travel as long as the connecting flight is within 48 hours from the departure date, but medical and hospital expenses will not be covered within Australia. See the section on domestic cover for more details on insurance options for travel in Australia.

How do I know if I’m covered and what am I covered for?

If you have an eligible NAB Low Fee Platinum, platinum or flybuys Rewards credit card, this complimentary insurance cover will automatically apply to you, your spouse and/or any dependent children travelling with you when you meet eligibility requirements outlined above.

The period of cover starts when you have left your home in Australia for the airport (or overseas departure location). Coverage ends when you complete your trip, when you return to your home in Australia, or 6 months after the date of departure (whichever occurs first).

If something happens for which you can claim overseas travel and medical cover, which causes you to extend your trip, your cover will continue until you can reasonably complete your trip.

Insurances provided under this policy

International cover

Excess if applicableBenefitsPolicy limit
(for persons ages 75 and under)
Policy limit
(for persons aged 76 to 90)
$200Overseas medicalUnlimitedNot available
$200Medical evacuation and repatriationUnlimitedNot available
$200Repatriation of remainsUnlimitedNot available
NilHospital compensation$100 for every 24 hours (maximum $15,000)
$500 where injury is the result of a mugging attack that has been reported to the police
Not available
$200Critical illness or injury – emergency travel expenses for companionUnlimitedNot available
NilPost-hospital accommodation$100 per day (maximum $500)Not available
$200Dental expenses due to sudden and acute painUnlimitedNot available
$200Cancellation or holiday deferment costsUnlimited, except travel agents cancellation fees up to a maximum of $500 per person$5000, except travel agents cancellation fees up to a maximum of $500 per person
$200Emergency travel arrangements and accommodation expensesUnlimitedNot available
$200Loss of reward pointsUnlimitedNot available
$200Luggage and personal effects
Maximum Limit
Personal computer, cameras and video camera
Any other item
$15,000 singles
$20,000 families
$6,000
$2,000
$15,000 singles
$20,000 families
$6,000
$2,000
NilEmergency luggage$300 singles
$600 families
Limit is doubled if your luggage is still not located after 72 hours
$300 singles
$600 families
Limit is doubled if your luggage is still not located after 72 hours
NilReplacement of passports and travel documentsUnlimitedUnlimited
$200Fraudulent use of credit or debit cardsUnlimitedUnlimited
NilTravel delayMaximum $750 singles
$1,500 families
Not available
$200Missed connection – special eventsMaximum $3,250 per family for all missed special eventsMaximum $3,250 per family for all missed special events
NilResumption of trip$5,000 singles
$10,000 families
Not available
$200Hijacking$10,000 singles
$20,000 families
$10,000 singles
$20,000 families
$200Rental vehicle damage and theft excess waiver$5,000 per tripNot available
NilReturn of rental vehicle$250 per tripNot available
NilAccidental death$150,000 for NAB cardholder
$75,000 for spouse
$50,000 for each dependent child up to a maximum of $150,000
$150,000 for NAB cardholder
$75,000 for spouse
$50,000 for each dependent child up to a maximum of $150,000
NilLoss of incomeUp to $1,000 per week for a maximum of 13 weeksNot available
NilPersonal liability and legal expensesUp to $2,500,000Up to $2,500,000
NilKidnap and ransomUp to $250,000Up to $2,500,000

Did you know?

Note: An insurance excess is the amount you must pay towards any claim that you make. For example, if you were making a lost luggage claim to the value of $1,000, you would have to pay an excess of $200 to be eligible for reimbursement through this insurance.

Domestic cover

To be eligible for domestic cover on the following types of insurance, you must satisfy the same requirements as above, except you must have charged to your NAB card 100% of the relevant transport or accommodation or item costs.

BenefitsMaximum sum insuredPolicy excess per event
Travel delay$40 per person, up to a maximum of $120 for familiesNil
Luggage and personal effects$750 for each item, set or pair of items, up to a maximum of $2,000 per claim$75
Emergency luggage$200 per person up to a maximum of $600 for families$75
Funeral expenses as a result of accidental death$3,000 per person up to a maximum of $9,000 for familiesNil
Cancellation and holiday amendment costs$3,000 per interstate trip$75
Rental vehicle expenses$1,250 per interstate tripNil
Domestic hotel burglary$2,500Nil

Transport accident insurance cover

Where an injury is sustained during transport and results in the following within one year after the date of the accident:

Transport accident injury resulting in loss of...Sum insured
Life$500,000
Both hands or both feet$250,000
One hand and one foot$250,000
Entire sight of both eyes$250,000
Entire sight of one eye and one hand or foot$250,000
One hand or one foot$125,000
Entire sight of one eye$125,000

Other insurance cover

BenefitsWhat is covered?Maximum sum insuredExcess per event
Extended warranty12 extra months where manufacturer’s warranty is less than 5 years; or double warranty period where original warranty is between 6 and 12 months$40,000 per annum for all purchasesNil
Purchase protectionOn new personal items against loss/ theft/ accidental damage for 3 months from purchase$200,000 in any 12 month period
$5,000 per single claim
Nil
Price protectionDifference between the price of the covered item and a lower printed advertised price for the exact same item$1,000Nil
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What are the exclusions?

There is no cover for claims arising directly or indirectly due to these:

  • Existing medical conditions. An existing medical condition includes but is not limited to mental disorder, anxiety, alcoholism, drug addiction or pregnancy and/or any chronic or ongoing medical or dental condition of which you were aware, or for which investigation (whether or not a diagnosis has been made), treatment or advice was received, or medication prescribed or taken at any time before you met the eligibility criteria, and any complication (illness/injury/death) arising from any of these conditions. Unexpected or unforeseen events pertaining to pregnancy are not regarded as existing medical conditions.
  • Childbirth. Apart from the event of birth, unless otherwise excluded, pregnancy-related illnesses of the mother up to and including 26 weeks of gestation are covered.
  • Travelling against medical advice or for the purpose of seeking medical advice or treatment. This includes travelling when you know you will have to consult a medical practitioner during the trip.
  • Altering or discontinuing travel plans. Should you or your travel companion decide to alter travel plans or not continue with the trip.
  • Intentional or reckless endangerment. Behaviour which poses threat to personal safety, except in an attempt to save human life, will not be covered. This includes deliberately injuring yourself, contracting HIV with AID-related infection or illness, participating in riot or civil commotion, participating in races (other than on foot), participating in a professional sporting activity or scuba diving (unless you hold an open water diving licence or you were diving under licensed instruction), riding a motorcycle outside Australia whether as a driver or as a passenger (except where the driver holds a valid motorcycle licence in the country you are in and the motorcycle has an engine capacity of 200cc or less), or riding a motorcycle in Thailand or Bali (except as a passenger in a licensed commercial motorcycle).
  • Losses recoverable under other schemes. This policy will not provide for private medical care when reciprocal health cover like Medicare is available and accessible. In any case, cover only applies for private medical care where approval has been given by QBE Assist.
  • Terrorism. Except where it applies to “Overseas medical and dental expenses”, “Luggage and personal effects” or “Hijacking”.
  • Cancellation or delay of travel arrangements due to mechanical breakdown or carrier’s failure to operate. Except where it applies to “Travel delay” or “Missed connection – special events”.
  • Failure to take reasonable precautions after public warning. This applies if you don’t take precaution to avoid financial loss after being publicly warned of a strike, riot, civil commotion, or natural disaster.
  • Operating a rental vehicle in violation of the rental agreement.
  • Financial default. This includes the financial default of any person, company or organisation involved in your travel arrangements.
  • Operating under the influence. This includes operating any motor vehicle while having a blood alcohol content over the legal limit relevant to the country that you are in and/or where you are under the influence of any drug other than a drug administered by, or in accordance with the advice of a legally qualified medical practitioner.
  • Psychological or psychiatric condition. This includes your or any other person’s nervous disorder, anxiety disorder, depression or stress related disorder.

How do I make a claim?

Important contact information

To make or enquire about a claim, or to obtain a claim form, contact the Claims Department. In Australia, call 1800 187 025 (toll free) or if you’re overseas, call +61(02) 8862 8805. You can also email travel.claims@qbe.com.

To speed up the processing of your claim, obtain a claim form and follow the instructions on the claim form, including preparing the necessary documentation for supporting your claim. Send the completed claim form and all supporting documents back by email or to: QBE Travel Insurance (P.O Box 12090, Melbourne VIC 8006).

Claims will be paid to you or your personal representative in Australian dollars on the basis of the exchange rate that applied at the time of the event that gave rise to the claim.

Important rules around making claims:

  1. All claims should be advised within thirty (30) days after you return to your usual place of residence in Australia.
  2. Liability claims against you must be in writing. You are not to make any admission or offer to settle any claim. If you do so, they may reduce the amount payable in respect of the claim.
  3. All losses (luggage, personal effects and travel documents) must be reported to the local authority within 24 hours and a written acknowledgement obtained. In the case of hotel burglary, the loss or damage must also be immediately reported to the hotel or motel management and a claim submitted to them. The hotel/motel may be legally liable for the loss or damage.
  4. For medical expense items, you must submit accounts to your private health fund before submission to us.
  5. Immediately report any lost luggage or damage to the conveyance carrier and submit a claim to them. The conveyance carrier may be legally liable for the loss or damage.

This page is a summarised guide to NAB’s complimentary insurance policy provided for by QBE. Do note that the available cover can vary between individuals, so you may need to contact QBE Insurance directly about specific enquiries. Please also see the NAB Card Insurance policy information booklet available on the NAB website for a full overview of the policy and your relevant cover.

Comparison of NAB credit cards with complimentary travel insurance

Rates last updated October 19th, 2018
Name Product Foreign Currency Conversion Fee Overseas ATM Withdrawal Fee Overseas Cash Advance Fee Annual fee Product Description
NAB Low Fee Platinum Card - Exclusive Offer
3%
of transaction value
$5
2% or $2.50, whichever is greater
$90 p.a.
finder Exclusive: Take advantage of 0% p.a. interest for 25 months on balance transfers with no balance transfer fee.
NAB Low Rate Platinum Card
3%
of transaction value
$5
2% or $2.50, whichever is greater
$100 p.a.
Enjoy a 0% p.a. interest rate offer on purchases for 9 months and the protection of 7 complimentary insurances including overseas travel insurance.
NAB Rewards Platinum Card
3%
of transaction value
$5
2% or $2.50, whichever is greater
$195 p.a.
Collect 60,000 bonus points when you spend $2,500 within 60 days of account opening. Plus, receive complimentary travel and purchase insurances.
NAB Qantas Rewards Premium Card
3%
of transaction value
$5
2% or $2.50, whichever is greater
$250 p.a.
Offers 30,000 bonus points when you meet the spend requirements and Qantas Points for your everyday spending. Plus a 24/7 personal concierge.

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284 Responses

  1. Default Gravatar
    JillianSeptember 28, 2018

    I am travelling with husband and granddaughter to Singapore. I purchased tickets using NAB Platinum Visa card. We are returning on different dates. Is grand daughter covered? Do I need to advise you of travel dates?

    • finder Customer Care
      JeniSeptember 28, 2018Staff

      Hi Jillian,

      Thank you for getting in touch with finder.

      You don’t need to advise NAB about your travel dates. The maximum duration of coverage is 180 days if you have a NAB Signature card or 90 days on other NAB cards. Please note that for the overseas travel insurance cover to apply, your overseas journey must commence and conclude in Australia.

      Now, about your other query, as long as your granddaughter is physically or mentally incapable of self support upon attaining the age of eighteen years shall continue to be covered under this policy as a dependent child, or at twenty-four years of age or younger if she is a full time student at an institution of higher learning.

      I hope this helps.

      Please feel free to reach out to us if you have any other enquiries.

      Thank you and have a wonderful day!

      Cheers,
      Jeni

  2. Default Gravatar
    BrendaSeptember 13, 2018

    Once I have booked my international travel tickets do I need to contact anybody at nab to get insurance documents?

    • finder Customer Care
      CharisseSeptember 13, 2018Staff

      Hi Brenda,

      Thank you for reaching out to finder.

      It is not necessary for you to contact NAB to activate your insurance and to get the policy documents. You will have access to all the benefits of the travel insurance cover provided you meet all the eligibility requirements:

      -You are ninety (90) years of age or under before the date of departure for your trip

      -You or the accompanying NAB cardholder had purchased a minimum of $500 (inclusive of taxes and other charges) pre-booked transport cost using your NAB card. The purchase should’ve been debited to your NAB card prior to your departure date from Australia.

      As for the insurance document, you can access the NAB policy booklet anytime and save or print it if you want. Please ensure that you carefully read and review this document as it will help you understand what the insurance coverage includes/excludes. It’s also good to store NAB insurance contact numbers in case of emergency assistance or for claims purposes.

      I hope this helps.

      Cheers,
      Charisse

  3. Default Gravatar
    JACKIEJuly 10, 2018

    HI
    i HAVE PAID FOR MY FLIGHTS WITH MY PLATINUM CREDIT CARD AM I COVERED BY INSURANCE

    • Default Gravatar
      ArnoldJuly 10, 2018

      Hi Jackie,

      Thanks for your inquiry

      To be eligible for the complimentary insurance, you must use your platinum credit card to purchase any of the following: airfares, rail tickets, road or watercraft transport costs and tours, hire cars or other hired transport and accommodation. Please note that you must purchase a minimum of $500 (inclusive of taxes and other charges) in pre-booked transportation costs and/or land content costs on your eligible NAB credit card before the start of your trip. If your spouse or dependent children are traveling with you they will also be covered under the policy.

      Hope this information helps

      Cheers,
      Arnold

  4. Default Gravatar
    jennyJune 19, 2018

    we have a domestic trip and a overseas trip organised and thought by using our visa and the complimentary insurance that we would be covered for all expenses, but it appears that if you are over 75 that there is no over seas or domestic medical cover, even though we paid for the trips on our visa card, and were told by the bank that we would be covered, please give me a proper answer

    • Default Gravatar
      ArnoldJune 19, 2018

      Hi Jenny,

      Thanks for your inquiry

      The eligibility requirement above says that cardholders between the ages of 76 and 90 years receive limited benefits compared to cardholders aged 75 years and under, including no overseas travel and medical insurance benefit.

      Please check the International Cover provided by this policy and the policy restrictions on the page above.

      Hope this information helps

      Cheers,
      Arnold

  5. Default Gravatar
    ShaunMarch 28, 2018

    Am I able to obtain a policy number of some sort or certificate, acknowledging my travel insurance cover before I leave, like I would by going to another insurance provider?

    • finder Customer Care
      JeniMarch 28, 2018Staff

      Hi Shaun,

      Thank you for getting in touch with finder.
      Yes you can, kindly contact your travel insurance provider for the information you need prior of leaving Australia.

      I hope this helps.

      Have a great day!

      Cheers,
      Jeni

  6. Default Gravatar
    SimonMarch 19, 2018

    If I have a work visa in the US (such as an E3) my employer might (or might not) provide me with health insurance. Will NAB complimentary travel insurance cover me in either of those cases?

    • Default Gravatar
      LiezlMarch 22, 2018

      Hi Simon,

      Thanks for visiting finder!

      NAB complimentary travel insurance has overseas travel and medical insurance cover which may cover your medical expenses in the US. You have to note though, of the maximum duration of coverage which is 180 days for Signature Cards and 90 days for all other NAB Cards.

      As to receiving a pay out from NAB complimentary insurance when you also have health insurance, it’s possible that you will not receive a pay out from both policies if you’re claiming for the same loss. Our guide here on multiple insurance policies discusses in detail.

      In case you wish to consider standalone travel policies that provide longer coverage when travelling overseas, you can check this page for options.

      Cheers,
      Liezl

  7. Default Gravatar
    CecMarch 9, 2018

    I have complimentary travel insurance by using our credit card. What does Section 1, Benefit Limits, Additional Expenses, Sub Limits, Overseas Bed Care Patient mean?

    • Default Gravatar
      LiezlMarch 22, 2018

      Hi Cec,

      Thanks for visiting finder!

      With reference to NAB Card Insurance Policy Information Booklet, here’s the general definition of these terms:

      – Section 1 details to the benefit you’ll get in case of travel delays.
      – Benefit limits refer to maximum amount the insurance company pay for a claim as set out in the schedule of benefits.
      – Sub-limits on the other hand, set further limitation to the original limit to cover a specific loss. For instance, the maximum hospital
      compensation is $15,000 but the daily limit is $100.
      – Additional expenses is part of the cancellation benefit. This could include re-booking fee or other reasonable costs you will incur to rearrange
      your cancelled trip, subject to the policy limit and insurer’s approval.
      – As for overseas bed care patient, I cannot find this term in their policy booklet but it could mean hospital cover when you’re admitted as in-
      patient while overseas. I suggest you contact the insurer to make sure of it’s meaning and to ascertain if this benefit is part our your policy.

      For you ease of reference, I have emailed you this policy booklet link. I hope this helps.

      Cheers,
      Liezl

  8. Default Gravatar
    JudyMarch 1, 2018

    I need insurance that includes adventure sport activity – open swimming, e-bike riding.
    Is this included?

    • finder Customer Care
      JoelMarch 8, 2018Staff

      Hi Judy,

      Thanks for leaving a question on finder.

      As per checking extreme activities is excluded in the complimentary travel insurance for this card:

      Behaviour which poses threat to personal safety, except in an attempt to save human life, will not be covered. This includes deliberately injuring yourself, contracting HIV with AID-related infection or illness, participating in riot or civil commotion, participating in races (other than on foot), participating in a professional sporting activity or scuba diving (unless you hold an open water diving licence or you were diving under licensed instruction), riding a motorcycle outside Australia whether as a driver or as a passenger (except where the driver holds a valid motorcycle licence in the country you are in and the motorcycle has an engine capacity of 200cc or less), or riding a motorcycle in Thailand or Bali (except as a passenger in a licensed commercial motorcycle).

      If you are looking for insurance for extreme sports, please go HERE.

      Cheers,
      Joel

  9. Default Gravatar
    KathyNovember 26, 2017

    Hi. We have purchased our Bali tickets through Nab credit card. Are we covered for expenses due to flight delays and cancellations.

    • finder Customer Care
      LouNovember 27, 2017Staff

      Hi Kathy,

      Thanks for your question.

      Kindly note that not all NAB credit cards come with a complimentary travel insurance.

      If you have an eligible card and you meet the criteria to receive the complimentary travel insurance as listed on our page, you are not covered for cancellation or delay of travel arrangements due to mechanical breakdown or carrier’s failure to operate, except where it applies to “Travel delay” or “Missed connection – special events”.

      You may want to directly call QBE (underwriter) directly to confirm what kind of cover they can provide for your personal circumstances.

      Cheers,
      Anndy

  10. Default Gravatar
    troutAugust 2, 2017

    Hi, my partner (spouse) is traveling to meet me on a separate flight/booking paid using my NAB Premium AMEX card. Is she covered under my policy even though she’s not flying with me? She is returning with me on the same flight but different booking.

    • Default Gravatar
      ArnoldAugust 3, 2017

      Hi Trout,

      Thanks for your inquiry.

      In order for your spouse to be covered by the complimentary insurance, you have to book her flight using your NAB credit card. You don’t need to be on the same flight for her to be covered.

      Hope this information helped.

      Cheers,
      Arnold

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