NAB credit card complimentary travel insurance explained

NAB offers complimentary travel insurance on its premium, platinum and signature credit cards, with policies that cover domestic and international trips (even if they are limited right now). The actual policies are underwritten by Allianz Australian Insurance Limited (Allianz).

Just like any insurance policy, there are different boxes you need to tick to get cover and successfully make a claim. That's why it's always best to read the policy document. But because it can be hard to read any terms and conditions, we have pulled out the key details so you have a shortcut with NAB's complimentary credit card insurance.

Which NAB credit cards have complimentary travel insurance?

If you don't have a NAB credit card yet, you can get complimentary travel insurance with a new platinum, premium or signature credit card from NAB. These are the personal cards you can currently apply for that offer insurance:

What's covered by NAB complimentary international travel insurance?

The cover you get is broken down into "benefits" based on what you can and can't claim. Some claims also have an excess you need to pay before you'll get any money back (if your claim is approved).

Below, we've broken down the key options for different types of claims and situations. But remember: you should always read the insurance policy booklet for complete details of the cover.

Medical, dental and emergencies cover with a NAB credit card

NAB complimentary international travel insurance for cancellation, delays and transport

Luggage and personal items cover offered with NAB credit card complimentary insurance

Hijacking, kidnap and personal liability cover offered with NAB complimentary credit card travel insurance

NAB credit card complimentary international travel insurance for death and funerals

What's not covered?

All insurance policies have details of when you will and won't get cover, so check before you book a trip or make a claim. In the case of NAB's complimentary credit card insurance, some of the key situations that aren't covered include:

• If you haven't taken care or acted responsibly
• Pre-existing medical conditions, including ongoing dental issues, chronic illness and addictions
• Extreme activities, including white water rafting, rock climbing, bungy jumping, tobogganing and snowboarding or skiing on un-groomed slopes
• Training, coaching or competing in sporting events that offer prizes or payment
• Driving a quad-bike or motorbike when you don't have a licence or if the bike has an engine capacity over 200cc
• Government interference with your travel plans
• Theft or loss of items that you've left in a car, tent or caravan
• Laptops, phones or tablets that you've put in your checked-in luggage

These are just a handful of examples of when you won't get cover under this policy. Check the NAB card insurance policy booklet or call Allianz on 1800 187 025 for more details about exclusions.

What do I need to do to use NAB's credit card international travel insurance?

If you're planning a trip and want cover through your NAB credit card, you'll need to meet the following requirements:

• Travel bookings. You need to use your NAB credit card for at least $500 of your travel costs before you leave Australia. A really simple way to meet this requirement is to pay for your flights or accommodation.
• Australian residency. You can only use this cover if you're living in Australia and your trip starts and ends in Australia.
• Age. You'll get the full cover benefits if you're under 76 years of age, but can still get limited cover up to the age of 90. If you're over 76 and want more complete cover, there are travel insurance policies you can buy that give you cover up to the age of 100.

Does NAB credit card travel insurance cover family members?

Yes, your spouse and any dependants (i.e. your children) can also get cover when you meet the eligibility requirements for international travel insurance. For them, the key requirements to get cover are:

• They need to live in Australia and start and end their journey in Australia
• They need to travel with you for at least 50% of the trip that you've got cover for

They also need to meet the same age requirements and other conditions of the insurance policy.

Pre-existing medical conditions

This complimentary international travel insurance doesn't cover pre-existing medical conditions. In really simple terms, that means you won't get cover if you've seen a doctor or other qualified professional about a condition that causes issues overseas. It's the same if you're aware of a physical, medical, mental or dental condition before you travel.

There are some exceptions if you're pregnant, though:

• You can get cover for pregnancy complications that arise from injury or sickness when you're travelling and meet the other eligibility requirements.
• If you were eligible for the travel insurance before you became pregnant, you'll be entitled to available cover.

• Pre-existing medical condition definition for NAB credit card insurance

  Travel insurance policies all have specific ways of looking at pre-existing medical conditions, so it's really important you're aware of the actual definition they use.

  As well as the summary above, we have included the definition that's in the current NAB card insurance policy document, effective from 31 March 2021 (page 14):

  "Pre-existing medical condition means any condition, including but not limited to pregnancy, mental illness, anxiety, alcoholism, drug addiction or substance addiction and/or any chronic or ongoing physical, medical, mental or dental condition, which you should have been aware of or become aware of, or for which investigation, treatment or advice has been sought or received, or medication prescribed or taken:
  

  • At any time before you became eligible for the cover available under International Travel Insurance;
  • At any time before you became eligible for the cover available under Domestic Travel Insurance; and
  • Any complication arising from any such condition outlined above, except that any unexpected or unforeseen complication arising from your pre-existing pregnancy is not considered to be a pre-existing medical condition."

  If you're not sure whether a pre-existing medical condition will be covered, call Allianz on 1800 187 025 to check if you can use this insurance.

How to make a claim through your NAB credit card complimentary international travel insurance policy

First things first: Contact Allianz as soon as anything happens by calling +61 7 3305 8800 when you're overseas. If you're injured or sick, you can also email medical@allianz-assistance.com.au.

There are two main ways you can submit your claim:

You will hear back about your claim within 10 business days, according to the online claims website.

What to include in your claim

With insurance claims, the more details you can include, the better. It makes it easier for the insurer to look at the claim and your eligibility for a payout.

So when you're travelling overseas with this cover, make sure you get as much written or photo evidence as you can for any claim you need to make. This could include:

• A referral or letter from a doctor or other professional you see in relation to a claim
• Official medical reports
• Police reports
• Photos of damaged items
• Emails or letters from airlines that relate to a claim
• Receipts or other proof of purchase

Other types of NAB complimentary credit card travel insurance

Domestic travel insurance

• What is it? Cover for specific issues that come up when you're travelling to a different state in Australia. For example, cancelled return flights, flight delays of four hours or more, delayed or lost luggage and funeral expenses could all be covered if you meet the requirements.
• When can I use it? If your NAB credit card offers this cover, you can use it when you pay for a return flight to another Australian state or territory using your card. You also need to be under 91 years of age.
• Is there an excess cost? There is a $75 excess for claims related to cancellation or luggage.

Rental vehicle excess in Australia insurance

• What is it? Cover for damage or theft of a car or other vehicle you have hired in Australia, up to a maximum of $5,000.
• When can I use it? You are eligible for cover if you have paid for the hire car (or vehicle) using your eligible NAB credit card. The vehicle hire agreement also has to include details of how much you need to pay if the vehicle is damaged or stolen.
• Is there an excess cost? You don't need to pay an excess for any claims.

NAB credit card complimentary insurance for shopping

NAB credit cards give you access to other types of insurance, also provided by Allianz. Below is a snapshot of the different types.

Purchase protection insurance

• What is it? Cover for the cost of a new item that is stolen, accidentally damaged or lost. It covers most household and personal items such as laptops, shoes, jewellery and glasses. Exclusions include second-hand items, perishables, cash, computer software, real estate and vehicles.
• When can I use it? If you use your eligible NAB credit card to pay for covered items, this insurance will apply for the first 3 months from when you get them. This cover is available for any personal items you buy around the world. If the item was a gift for someone else, that person needs to be a permanent Australian resident for the cover to apply.
• How can I make a claim? By calling Allianz on 1800 187 025 or by emailing cardclaims@allianz-assistance.com.au.
• Is there an excess cost? You don't need to pay an excess for any claims but there is a limit of $5,000 for each claim.

Extended warranty insurance

• What is it? Cover that doubles the manufacturer's warranty for items bought in Australia, up to a maximum period of 12 months. For example, if you bought a TV with a 12-month manufacturer's warranty and it stopped working for no reason after 12 months, you could make a claim under this cover.
• When can I use it? It's yours when you use an eligible NAB card to buy a laptop, phone, tablet, TV or other item worth up to $10,000 in Australia. The item needs to already have a manufacturer's warranty of between 6 months and 5 years.
• How can I make a claim? By calling Allianz on 1800 187 025.
• Is there an excess cost? You don't need to pay an excess if you make a claim. But, as with all insurance, you should make sure you have supporting documents.

NAB business credit card complimentary insurance options

NAB business credit cards offer complimentary unauthorised transaction insurance to help protect you if an additional cardholder uses the account for something that's not allowed.

Some NAB business credit cards also offer complimentary transit accident insurance. These are your options with different NAB business cards:

Frequently asked questions

Can I get proof of my cover?

Yes. If you're going on a cruise or tour that requires proof of insurance, you can get a letter of eligibility online at www.checkyourcover.com.au/nab

How do I get cover with a NAB Platinum Visa Debit Card?

The same steps and requirements that we've explained for credit cards also apply to the NAB Platinum Visa Debit Card. You can also check the NAB Card Insurance Policy Information booklet that's available on the NAB website or call Allianz on 1800 187 025.