NAB Credit Card Complimentary Insurance - Full Guide |

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.

We’re reader-supported and may be paid when you visit links to partner sites. We don’t compare all products in the market, but we’re working on it!

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 complimentary travel insurance 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 offer 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 six complimentary insurance covers and up to 44 days interest-free on purchases.19.74% p.a.$90
NAB Qantas Rewards Premium CardThis credit card earns Qantas Points per $1 spent and comes with six complimentary insurances.19.99% p.a.$250
NAB Rewards Platinum CardThis premium card earns NAB Rewards points per $1 spent and offers six complimentary insurance covers.19.99% p.a.$195
NAB Qantas Rewards Signature CardIncludes six complimentary insurance cover and earns Qantas Points per $1 spent.19.99% p.a.$395
NAB Rewards Signature CardOffers sign-up bonus points and earns NAB Rewards points per $1 spent with complimentary insurance covers.19.99% p.a.$295

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 I am 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 180 days after the date of departure for Signature Card and 90 days for all other NAB credit cards (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.

International cover

Excess if applicableBenefitsPolicy limit
(for persons ages 75 and under)
Policy limit
(for persons aged 76 to 90)
$300Overseas medicalUnlimitedNot available
$300Medical evacuation and repatriationUnlimitedNot available
$300Repatriation 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
$300Critical illness or injury – emergency travel expenses for companionUnlimitedNot available
NilPost-hospital accommodation$100 per day (maximum $500)Not available
$300Dental expenses due to sudden and acute pain$2,000Not available
$300Cancellation or holiday deferment costsUnlimited, except travel agents cancellation fees up to a maximum of $500 per person$5,000, except travel agents cancellation fees up to a maximum of $500 per person
$300Emergency travel arrangements and accommodation expensesUnlimitedNot available
$300Loss of reward pointsUnlimitedNot available
$300Luggage and personal effects
Maximum Limit
Personal computer, cameras and video camera
Any other item
$15,000 singles
$20,000 families
$15,000 singles
$20,000 families
NilEmergency luggageAfter 12 hours delay, $300 singles
$600 families
Limit is doubled if your luggage is still not located after 72 hours
After 12 hours delay, $300 singles
$600 families
Limit is doubled if your luggage is still not located after 72 hours
NilReplacement of passports and travel documentsUnlimitedUnlimited
$300Fraudulent use of credit or debit cardsUnlimitedUnlimited
NilTravel delayMaximum $750 singles
$1,500 families
Not available
$300Missed 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
$300HijackingUp to $100 per person for each 24 hour period with a maximum total limit of:

$10,000 singles
$20,000 families

Up to $100 per person for each 24 hour period with a maximum total limit of:

$10,000 singles
$20,000 families

$300Rental 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 cardholder
$500,000 spouse
$20,000 dependent child
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

Additional insurances provided

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
Price protectionDifference between the price of the covered item and a lower printed advertised price for the exact same item$1,000Nil
Back to top

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 Allianz.
  • 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 7 3305 7499. You can also email

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: Allianz Global Assistance (Locked Bag 3014 TOOWONG DC, QLD 4066).

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 Allianz. Do note that the available cover can vary between individuals, so you may need to contact Allianz 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.

NAB cards with complimentary travel insurance

Data 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)
Up to 110,000 bonus Qantas Points (90,000 when you spend $3,000 in the first 60 days and 20k after 12 months)

Compare up to 4 providers

Back to top

More guides on Finder

Go to site