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Complete guide to NAB complimentary travel insurance

Information verified correct on April 27th, 2017

NAB complimentary travel insurance for credit card holders

If you have an NAB credit card, you might be able to claim complimentary travel insurance on your next trip. You’ll need to meet a number of eligibility requirements and know the terms and conditions before making a claim. Going through the policy T&Cs can be a tedious exercise, so we’ve summarised the important parts to make things easier.

Note: Since June 1 2014, NAB complimentary credit card insurance has been provided by QBE Insurance (Australia) Limited instead of Chubbs Insurance. For policies activated prior to 1 June 2014, please contact Chubb Insurance directly on 1800 788 566.

What are the eligibility requirements?

Cardholders will need to meet a number of requirements before they are eligible for cover. Current cardholders of NAB Premium or NAB flybuys Rewards cards receive complimentary insurances, subject to these requirements. You could be covered if your overseas travel is cancelled, or if you suffer from illness or become disabled while travelling overseas. There's also cover for lost luggage and documents, rental vehicle accidents, and some missed connections. The eligibility requirements include:

  • Prepaid travel costs. You must purchase a minimum of $500 (inclusive of taxes and other charges) in pre-booked transportation costs (including fares by air, rail, road or watercraft) and/or land content costs (including tours, hire cars or other hired transport and accommodation) on your NAB Premium or NAB flybuys Rewards Card, prior to your trip. These purchases must be made by charging your NAB card directly, and purchases made using direct debit, PayPal, BPAY or Secure Pay or any other payment facility cannot apply. 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. Cardholders between the ages of 76 and 90 years receive limited benefits compared to cardholders aged 75 years and under. Please see Schedule of Benefits for details.
  • Spouse and dependent children. If your spouse or dependent children are travelling with you – and meet the other eligibility requirements including the $500 minimum spend per person – they will also be covered under the policy.

    Definition for spouse and dependents

    • Spouse. Partner or de facto partner of either sex who has continuously cohabited with the cardholder for a period of more than 3 consecutive months, and who is travelling with the cardholder on the overseas journey.
    • Dependents
        • All unmarried children up to and including the age of 18, who are primarily dependent upon the cardholder for maintenance and support and travelling with the cardholder on the overseas journey
        • All unmarried children up to and including 24 years of age, who are full-time students at an institution of higher learning, and who are primarily dependent upon the cardholder for maintenance and support and travelling with the cardholder on the overseas journey
        • All unmarried children who are physically and mentally incapable of self-support, and who are primarily dependent upon the cardholder for maintenance and support and travelling with the cardholder on the overseas journey
  • 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 Interstate flight insurance cover for domestic travel coverage.

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

Based on the eligibility requirements and exclusions above, you and your spouse and children may be covered under this policy. If you’re a NAB Premium or NAB flybuys Rewards cardholder, this complimentary insurance cover will automatically apply to you, your spouse and/or any dependent children travelling with you, as long as the abovementioned eligibility requirements are satisfied.

The period of cover commences once you have left your home in Australia and ceases 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 medical Unlimited Not available
$200Medical evacuation and repatriation UnlimitedNot available
$200Repatriation of remains UnlimitedNot available
$200 Hospital 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 painUnlimited Not available
$200Cancellation or holiday deferment costsUnlimited, except travel agents cancellation fees up to a maximum of $500 per person$5000, except ravel 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 delay$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
$200Return 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
What does excess mean?

Note: An excess in insurance is basically the amount you must pay towards any claim that you make.

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 purchases Nil
Purchase protectionOn new personal items against loss/ theft/ accidental damage for 3 months from purchase$200,000 in any 12 month period
$5,000 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.

Sponsorship - NAB Premium Card - 0% BT - PE-37392

0% Balance Transfer Credit Card Offer

The NAB Premium Card features a balance transfer promotion with a range of platinum benefits.

  • 0% p.a. on balance transfers for 24 months on a new NAB Premium Card. BT reverts to cash advance rate after promotional period.
  • A one off 3% BT fee applies.
  • Receive a range of complimentary insurance covers including overseas travel insurance and 24/7 NAB Platinum Concierge Service.
  • Request an additional cardholder at no extra cost.

    Comparison of NAB Credit Cards with complimentary travel insurance

    Rates last updated April 27th, 2017.

    NAB Premium Card

    Balance transfer period changed from 15 to 24 months, and is valid until 31 May 2017.

    January 23rd, 2017

    View latest updates

    Jonathan Choi Jonathan
    Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
    NAB Premium Card
    Benefit from premium credit card advantages including travel insurance, Platinum Concierge Service plus 0% p.a. for 24 months on balance transfers.
    19.74% p.a. 0% p.a. for 24 months with 3% balance transfer fee $90 p.a. Go to site More info
    NAB Rewards Platinum Card
    Enjoy 80,000 bonus points when you spend $2,500 on everyday purchases within 90 days from card approval. Benefit from $0 annual fee for the first year and a range of platinum features.
    19.99% p.a. 4.99% p.a. for 6 months $0 p.a. annual fee for the first year ($195 p.a. thereafter) Go to site More info
    NAB Rewards Business Platinum Card
    Enjoy 80,000 bonus points when you meet the spend criteria, earn 1 rewards point per $1 spent and enjoy a $0 annual card fee for the first year.
    18.50% p.a. $0 p.a. annual fee for the first year ($175 p.a. thereafter) Go to site More info
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    246 Responses to Complete guide to NAB complimentary travel insurance

    1. Default Gravatar
      Herman | April 13, 2017

      I have booked a holiday and paid with the NAB platinum card. Do I have to get a policy number for the complimentary travel insurance? Is your spouse insured or does she have to get her own card and spend 500 dollars towards the trip? According to the story she has to also spend a minimum amount. “and meet the other eligibility requirements including the $500 minimum spend per person” Thank you

      • Staff
        May | April 13, 2017

        Hi Herman,

        Thanks for reaching out.

        You, your dependents and spouse would be able to receive the complimentary travel insurance attached to your eligible NAB credit card if you meet all the criteria outlined above and no need to get a policy number. As one of the requirements, you would need to use your eligible NAB card to purchase a minimum of $500 in your pre-booked transportation costs, including your dependents’ and spouse’. So no need for them to get another card to be eligible for the complimentary insurance.

        Cheers,
        May

    2. Default Gravatar
      Lynn | April 3, 2017

      Hi We plan to travel overseas with our baby and bought the flight tickets using the NAB flybuys rewards credit card. I understand my husband and I will be covered as we each spent over $500 on flight tickets. But our baby is under 2 years old so her ticket is less than $500. Does that mean our baby cannot be covered by the same travel insurance?

      • Staff
        May | April 4, 2017

        Hi Lynn,

        Thank you for your inquiry.

        The $500 minimum cost actually does not only include travel tickets but also hotel accommodation, hire transport etc. As in the case of your baby, it would be best to contact QBE Travel Insurance directly to confirm since your baby is considered to be a “dependent child who is physically and mentally incapable of self-support and primarily dependent upon the cardholder.” QBE can be reached on the phone number listed above under the “How do I make a claim?” section.

        Cheers,
        May

    3. Default Gravatar
      Katrina | March 23, 2017

      Hello. We have booked and paid for our airfares using my VISA, to Zambia. See we eligible and how do I go about applying/organising insurance. Thank you

      • Staff
        Anndy | March 23, 2017

        Hi Katrina,

        Thanks for your question.

        Please note that the minimum criteria to receive the NAB complimentary insurance cover is that you must purchase a minimum of $500 (inclusive of taxes and other charges)in pre-booked transportation costs (including fares by air, rail, road or watercraft) and/or land content costs (including tours, hire cars or other hired transport and accommodation) on your NAB Premium or NAB flybuys Rewards Card, prior to your trip.

        If you meet this criteria and if you’re a NAB Premium or NAB flybuys Rewards cardholder, the complimentary insurance cover will automatically apply to you, your spouse and/or any dependent children travelling with you.

        Please note that other eligibility criteria apply, as listed above.

        Cheers,
        Anndy

      • Default Gravatar
        Kate | April 2, 2017

        I am eligible for the complimentary travel insurance, do I need to fill out paperwork such as dates, places I am travelling to etc. Do I need a copy of the insurance policy?

      • Staff
        Anndy | April 4, 2017

        Hi Kate,

        Thanks for your question.

        If meet the eligibility criteria listed above, the complimentary insurance cover will automatically be activated.

        If you need to confirm or get more information about the complimentary travel insurance attached to your eligible NAB credit card, please contact QBE Travel Insurance directly on 1800 187 025 (Toll free).

        Cheers,
        Anndy

    4. Default Gravatar
      Denise | February 13, 2017

      If you have purchased a travel package which includes airfares, hotels, cruise, train travel plus etc. Can I assume we would qualify for the coverage?

      • Staff
        May | February 15, 2017

        Hi Denise,

        Thank you for your question and for contacting finder.com.au – we financial comparison website and general information service designed to help consumers make better decisions. Please note that we are not affiliated with any company we feature on our site.

        Basically, if you’ve used your eligible NAB credit card (NAB Premium or NAB flybuys Rewards card) to purchase for your pre-booked transportation costs (minimum of $500 inclusive of taxes and other charges) prior to your trip and you also meet all the other eligibility requirements outlined above, then you will be able to receive the complimentary travel insurance.

        Cheers,
        May

    5. Default Gravatar
      | February 10, 2017

      What is the excess payable for car rental excess

      • Staff
        May | March 13, 2017

        Hi Peter,

        Thank you for your inquiry.

        Just to clarify, is this for the rental of a vehicle for your international trip or for domestic travel? If for your overseas travel, the excess is $200 for the return of rental vehicle with a limit $250 per trip. As for your domestic trip, you’re insured for a maximum of $1,250 per interstate trip on rental vehicle expenses and there is no excess charge for that benefit.

        If you need to confirm or get more information about the complimentary travel insurance attached to your eligible NAB credit card, please contact QBE Travel Insurance on the phone number listed above under “How do I make a claim?” section.

        Cheers,
        May

    6. Default Gravatar
      Caroline | February 9, 2017

      Do I need to fill out any paperwork to be eligible for my complimentary travel insurance?

      • Staff
        Jason | February 9, 2017

        Hi Caroline,

        Thank you for your enquiry.

        You do not need to fill out any paperwork to be eligible or to be covered for the NAB complimentary travel insurance. This complimentary insurance cover will automatically apply to you, your spouse and/or any dependent children travelling with you, as long as the eligibility requirements are satisfied.

        The period of insurance cover commences once you have left your home in Australia and ceases when you complete your trip, when you return to your home in Australia, or 6 months after the date of departure (whichever occurs first).

        Kind regards,
        Jason

    7. Default Gravatar
      Michael | January 31, 2017

      Hi
      Does this provide cover for travel anywhere overseas or are there excluded countries?
      Michael

      • Staff
        May | February 3, 2017

        Hi Michael,

        Thank you for your inquiry.

        The complimentary travel insurance attached to your NAB card covers you in any country you go to. But if you are kidnapped in Mexico or in any country
        located in Central or South America, you won’t get covered.

        Cheers,
        May

    8. Default Gravatar
      Eric | January 16, 2017

      My partner and I are travelling to Vietnam, Cambodia and Thailand from 14/11/2017 to 6/12/2017. I have just paid all airfares and accommodation by my
      NAB Visa platinum credit card, around $7500, so I understand we will be covered for the duration of this trip by complimentary travel insurance from NAB.

      My tour operator arranging this trip will require proof that my partner and I will be fully insured for the trip. Will I then receive an acknowledgement and confirmation from either NAB or QBE that we are both covered? I should imagine that no individual policies would be issued

      • Staff
        May | January 16, 2017

        Hi Eric,

        Thanks for your question.

        If you need a copy of the confirmation of your complimentary travel insurance policy for your trip, you’d be best to get in touch with QBE Travel Insurance directly. Their phone number is listed above under the “How do I make a claim?” section.

        Cheers,
        May

    9. Default Gravatar
      Bill | January 6, 2017

      My wife & I are travelling to Japan between 28/3/2017 to 13/4/2017.
      My wife Roberta, has paid $700 in travel costs by here Visa credit card.
      I believe you recommend we advise you of our pending trip.
      We used your credit card travel insurance last year on our USA trip & received a notification confirmation information page via email. Will this happen again?

      • Staff
        May | January 6, 2017

        Hi Bill,

        Thank you for your inquiry and for contacting finder.com.au – a financial comparison website and general information service designed to help consumers make better decisions. We are not QBE Insurance.

        So that both of you will be eligible for the complimentary travel insurance, your travel costs (a minimum of $500 per person) must be charged on the eligible NAB card before your journey.

        Please note that the purchases must be made by charging the NAB card directly. Purchases made using direct debit, PayPal, BPAY or Secure Pay or any other payment facility cannot apply. Award or loyalty points also cannot count towards your minimum spend. All other eligibility requirements outlined above should also be met.

        Cheers,
        May

      • Default Gravatar
        Bill | January 9, 2017

        Hi May, Thanks.
        The NAB brochure says the $55+ credit card payment for travel covers the card owner & spouse. Is that correct, meaning no requirement for $500+ each?

        Bill

      • Staff
        May | January 9, 2017

        Hi Bill,

        Thank you for getting back.

        As stated in the “What are the eligibility requirements?” section above, the primary cardholder must spend $500 on travel costs to be eligible for the cover. The same spending amount for the travel cost is required for the spouse / dependent children who are travelling with the primary cardholder. The spouse/dependent children must meet the other eligibility requirements including the $500 minimum spend per person to be eligible for the cover.

        Cheers,
        May

      • Default Gravatar
        Bill | January 11, 2017

        Thanks May. I did not read the brochure correctly.

        Bill

    10. Default Gravatar
      Peter | January 4, 2017

      With my platinum card is there cover for rental vehicle excess?

      • Staff
        May | January 4, 2017

        Hi Peter,

        Thanks for your question.

        Yes, the rental vehicle excess cover is included in the complimentary travel insurance benefits of the NAB Platinum card. Please note the eligibility requirements set out above in order to get covered though.

        Cheers,
        May

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