NAB credit card complimentary travel insurance explained

Got a NAB credit card with complimentary travel insurance? Here’s the lowdown on what’s covered and how to make a claim.

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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:

CardInternational travel insuranceTransit accident insuranceDomestic interstate flight inconvenience insuranceRental vehicle excess in Australia insurancePurchase protection insuranceExtended warranty insurance
NAB Low Fee Platinum Card
NAB Rewards Platinum Card
NAB Rewards Signature Card
NAB Qantas Rewards Premium Card
NAB Qantas Rewards Signature Card
NAB Low Fee Card

Have a NAB credit card that's not on this list? Check the terms and conditions available on the NAB website to see if your card is eligible. You can also get complimentary international travel insurance with a NAB Platinum Visa debit card.

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

BenefitOne example of when you'd use thisClaim limit for people under 75 years oldClaim limit for people aged 76 to under 91Excess payment (per claim)
Overseas emergency assistanceIf you get food poisoning overseas and have to see a doctor or change your travel plans.UnlimitedNot available$0
Overseas emergency medicalIf you become sick or injured overseas and have to pay for seeing a doctor or other medical professional.UnlimitedNot available$300
Medical evacuation and repatriationIf you become sick or injured overseas and need to be taken to a local hospital or one that's back in Australia.UnlimitedNot available$300
Overseas emergency dental expenses due to sudden, acute pain (toothache)If you're overseas and have to see a dentist because of a toothache that's not related to anything else.Up to $2,000 per personNot available$300
Hospital cash allowanceIf you're in hospital for more than 2 full days because of a relevant health issue, this allowance helps cover the extra costs.$100 per person for every 24 hours (maximum $15,000 in total) when you are hospitalised for more than 48 hoursNot available$0
Assault requiring hospitalisationIf you're attacked and need to be treated at a hospital. Note that you need a written police report to make a claim.$500 per personNot available$0
Loss of incomeIf you're injured overseas, get treatment and experience disability for at least 90 days, then can't return to work because of it.Your verified income up to a maximum of $1,000 per week for a maximum total limit of 13 weeksNot available$0
Additional expensesIf you or a companion is injured to the point of incapacity, you could claim extra accommodation or travel.UnlimitedNot available$300

NAB complimentary international travel insurance for cancellation, delays and transport

BenefitOne example of when you'd use thisClaim limit for people under 75 years oldClaim limit for people aged 76 to under 91Excess payment (per claim)
Cancellation (specific situations only)If your journey is cancelled, disrupted or rescheduled because of your death or the unforeseen death of a relative aged under 80. This includes financial reimbursement, as well as cover for frequent flyer points, air miles, loyalty card rewards and relevant vouchers used to book the trip.Unlimited (within reason) except travel agents' cancellation fees up to a maximum of $500 per personUp to $5,000 per person except travel agents' cancellation fees, up to a maximum of $500 per person$300
Travel delayIf a flight was delayed by 6 hours or more and the airline didn't offer compensation, you could claim food, accommodation or other eligible expenses.After 6 hours: $250 per person, up to $500 total

After 18 hours: $500 per person, up to $1,000 total

After 6 hours: $250 per person, up to $500 total

After 18 hours: $500 per person, up to $1,000 total

You won't get cover if the delays are because you're sick or injured

$0
Alternative transportIf your transport is delayed or cancelled and it means you wouldn't make it to a conference, wedding or major event booked before you left Australia, this helps cover the cost of reasonable travel expenses to get you there.Up to $3,250Up to $3,250$300
Return home and resumption of journey (including following the death of a relative)If a relative in Australia becomes seriously ill when you're travelling and you need to go back to Australia to see them, you could submit a claim to cover the cost.$5,000 per person ($10,000 max)$5,000 per person ($10,000 max)

You won't get cover if the claim has arisen because of sickness or injury

$0
Rental vehicle excessIf your overseas rental car is stolen or involved in an accident and the hire company agreement includes an excess that you need to pay, this cover can help with the cost. Or, if an event covered by the insurance stops you returning the vehicle, you could make a claim.Up to $5,000 per person for claims related to rental vehicle damage or theft

Up to $250 per person for claims related to the return of the rental vehicle

Up to $5,000 per person for claims related to rental vehicle damage or theft

Up to $250 per person for claims related to the return of the rental vehicle

$300

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

BenefitOne example of when you'd use thisClaim limit for people under 75 years oldClaim limit for people aged 76 to under 91Excess payment (per claim)
Luggage

Note: Valuables left in a tent or caravan won't be covered. Sporting goods aren't covered when in use. Valuables left in a vehicle or placed in check-in typically won't be covered.

If you're travelling and your phone is stolen from your pocket or a handbag you have on you.$15,000 per person (up to $20,000 total)

If a covered item is stolen, accidentally damaged or lost:

Up to $6,000 per item for computers, cameras and video cameras

Up to $2,000 per item for other items

If you are told by the airline to check-in your laptop, smartphone/mobile or tablet or to put it in an overhead locker for the whole flight:

$6,000 per item for laptops or tablets

$2,000 for smartphones

$15,000 per person (up to $20,000 total)

If a covered item is stolen, accidentally damaged or lost:

Up to $6,000 per item for computers, cameras and video cameras

Up to $2,000 per item for other items

If you are told by the airline to check-in your laptop, smartphone/mobile or tablet or to put it in an overhead locker for the whole flight:

$6,000 per item for laptops or tablets

$2,000 for smartphones

$300
Travel documents, transaction cards and traveller's chequesIf your passport is lost or stolen and you have reported it to the local police within 24 hours, you could claim the fees for reissuing it.UnlimitedUnlimited$300 per claim for fraud on a card or traveller's cheque
Luggage delayIf your luggage is delayed for more than 12 hours and the airline (or carrier) is at fault, you can get reimbursed for essential items you need to buy during that time.After 12 hours of delays: $300 per person, up to $600

After another 60 hours of delays: $300 per person, up to $600

After 12 hours of delays: $300 per person, up to $600

After another 60 hours of delays: $300 per person, up to $600

$0

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

BenefitOne example of when you'd use thisClaim limit for people under 75 years oldClaim limit for people aged 76 to under 91Excess payment (per claim)
HijackIf your flight or cruise was hijacked, this cover would apply for each day you are held captive (up to the limit listed).$100 per person, per day (up to $10,000 per person and $20,000 total)$100 per person, per day (up to $10,000 per person and $20,000 total)$300
Kidnap and ransom

Note: This cover does not apply for kidnapping in any country located in Central America or South America (south of the US).

If you're kidnapped while travelling and need to pay a ransom, or have specific costs related to a ransom demand (i.e. interest for borrowing money to cover the ransom).$250,000 per person$250,000 per person$0
Personal liabilityIf you're involved in an accident and become legally liable to pay compensation for someone else's injuries or damaged property (when the person doesn't live with you), this helps cover the legal costs.$2.5 million$2.5 million$0

NAB credit card complimentary international travel insurance for death and funerals

BenefitOne example of when you'd use thisClaim limit for people under 75 years oldClaim limit for people aged 76 to under 91>Excess payment (per claim)
Accidental deathIf you are injured overseas and die because of that injury. Or if the plane or boat you're travelling on disappears and you're declared dead within 12 months.Cardholder: $150,000

Spouse: $75,000

Dependant: $50,000 per dependant ($150,000 max for all dependants)

Cardholder: $150,000

Spouse: $75,000

Dependant: $50,000 per dependant ($150,000 max for all dependants)

$0
Funeral expensesIf you die overseas and there is a funeral or your remains need to be brought back to Australia. Note that only some causes of death are covered.UnlimitedNot available$300

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:

  • Any epidemic or pandemic
  • 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.

If you need cover for a skiing trip, bungy jumping or other overseas adventures, check out adventure sport travel insurance costs and conditions. Got a pre-existing health condition? Check out travel insurance policies that offer cover for conditions including asthma, high blood pressure and physical disabilities.

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

At the moment, New Zealand is the only international destination Australians can visit for a holiday. 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.

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:

OnlineOver the phone
  1. Go to https://claimmanager.com.au/nab/agreement
  2. Click on "Create a new claim".
  3. Fill in the details on the claim form and upload your supporting documentation.
  4. Use the "Save for later" button if you need to come back to the claim later.
  1. Call Allianz on +61 7 3305 8800 when you're overseas.
  2. Tell them what's going on and the claim or claims you want to make.
  3. Follow their instructions to complete the 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

Tip:

Use a travel wallet or online folder to keep all your important documents together. This could include your passport, itinerary, printed tickets, a copy of the NAB card insurance policy booklet – plus anything that could become supporting documentation for future claims.

Other types of NAB complimentary credit card travel insurance

Transit accident insurance

  • What is it? Cover for accidents that happen when you're travelling overseas on a plane, train, cruise ship, bus or other eligible vehicle. You also get cover for related accidents that happen when you're boarding or leaving the transport.
  • When can I use it? You are eligible for cover if you have paid for the entire trip with your eligible NAB credit card before you leave. If your partner or dependants are travelling with you, they'll also get cover.
  • Is there an excess cost? No, you don't need to pay an excess for any claims but there are limits to how much you can get paid out. For example, the loss of one hand has a maximum benefit limit of $125,000.

Interstate flight inconvenience 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.

How to make a claim under one of these policies

Call Allianz on 1800 187 025. If you're claiming for transit accident insurance or rental vehicle excess insurance in Australia, you can also submit your claim online through the Allianz website.

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 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.

Don't have complimentary insurance on your credit card yet? Compare NAB's credit cards or check out other cards that offer insurance. If you have a type of cover in mind, you can also compare different insurance policy options and costs to find solutions that work for you.

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:

CardTransit accident insuranceUnauthorised transaction insurance
NAB Rewards Business Signature Card
NAB Qantas Business Signature Card
NAB Low Rate Business Card
NAB Business card

Frequently asked questions

Does NAB credit card international travel insurance cover coronavirus?

No. Coronavirus is a pandemic and, like most travel insurance policies, this one does not offer cover for epidemics or pandemics.

We know how confusing the coronavirus situation can be, which is why Finder has a whole guide covering questions about this pandemic and travel insurance.

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.

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