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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 May 23rd, 2018
Name Product Foreign Currency Conversion Fee Overseas ATM Withdrawal Fee Overseas Cash Advance Fee Annual fee Product Description
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 Low Fee Platinum Card
3%
of transaction value
$5
2% or $2.50, whichever is greater
$90 p.a.
Offers 7 complimentary insurance covers, a 0% p.a. for 24 month balance transfer and access to a 24/7 concierge service for a $90 p.a. annual fee.
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 60,000 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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276 Responses

  1. 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?

    • Staff
      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

  2. 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?

    • Staff
      LiezlMarch 22, 2018Staff

      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

  3. 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?

    • Staff
      LiezlMarch 22, 2018Staff

      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

  4. Default Gravatar
    JudyMarch 1, 2018

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

    • Staff
      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

  5. 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.

    • Staff
      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

  6. 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.

    • Staff
      ArnoldAugust 3, 2017Staff

      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

  7. Default Gravatar
    BarbaraJuly 14, 2017

    I have a Premium Velocity NAB credit card with complimentary travel insurance. I arrived in Valletta yesterday and my luggage did not arrive. I have reported it to Air Malta and they are trying to locate my luggage. Could you please confirm the details of what I can spend on Emergency Luggage and replacement of my luggage and the excess involved, please. Barb.

    • Staff
      RenchJuly 15, 2017Staff

      Hi Barbara,

      Thanks for reaching out to us. Please note that we are not affiliated with NAB or any company we feature on our site and so we can only offer you general advice.

      For Emergency Luggage,
      Policy limit (for all ages):
      $300 singles
      $600 families
      Limit is doubled if your luggage is still not located after 72 hours

      You may inquire further by contacting NAB directly.

      Best regards,
      Rench

  8. Default Gravatar
    KevinJune 9, 2017

    Hi, with overseas travel insurance, does it cover unlimited medical and hospital stays as well? Also what exactly is hospital compensation?

    • Staff
      RenchJune 10, 2017Staff

      Hi Kevin,

      Thanks for your inquiry. Please note that we are not affiliated with NAB or any company we feature on our site and so we can only offer you general advice.

      For NAB Travel Insurance, they have three different types of NAB Travel Insurance policies to choose from: Domestic Cover, International Cover, Annual Cover. For International Cover:

      Overseas Emergency Medical and Hospital Expenses: If you fall sick or are injured while travelling overseas, cover will be provided for medical treatment.
      Overseas Emergency Medical Assistance: Unlimited cover for emergency medical assistance, including medical evacuation and funeral arrangements.

      You can get more details/info on this page. I suggest contacting NAB directly if you have further inquiries about their insurance.

      Hope this information helped.

      Cheers,
      Rench

  9. Default Gravatar
    FrankMay 25, 2017

    Hi
    Car hire companies are requesting a letter from insurance companies to cover any excess waiver (Hertz in Dublin)
    They are also asking for a lodgement of $1,800 on our credit card

    Questions:
    • Could you please let us know where and how to obtain letter before departure?
    • Is it normal to expect what is basically a bond of the amount of $1,800? (This almost sounds as if we pay up front for any damage and claim later of our insurance company)
    Thanking you
    Frank and Rosemary

    • Default Gravatar
      JonathanMay 29, 2017

      Hi Frank,

      Thanks for your inquiry.

      You may contact QBE Insurance directly to get assistance on how you can obtain a documentation that contains your rental vehicle excess cover.

      As for the $1800 bond, this will vary. The fee may be included in the services of the car hire company when you rent a vehicle. Best that you contact them directly for further information.

      Cheers!
      Jonathan

  10. Default Gravatar
    FrankMay 24, 2017

    Hi
    Once we have paid for our vacation with our credit card – We know we are covered from the day we leave BUT what about the time leading up to our vacation?
    eg:
    We become ill and have to cancel
    or
    The travel agent goes into liquidation
    or
    Terrorist activity at our destination creates to much of a travel risk and we have to cancel

    • Default Gravatar
      MargaretJanuary 19, 2018

      I have booked overseas flights using my NAB platinum Visa card. Do I need to activate the complimentary travel insurance? Does it cover airfares if I’ll health prevents us from flying?

    • Staff
      ArnoldJanuary 20, 2018Staff

      Hi Margaret,

      Thanks for your inquiry

      There is no need for an activation. As long as you meet the eligibility criteria outlined on the page above, the complimentary insurance cover will be automatically activated.

      Should you require more information about the policy, you may directly contact QBE Travel Insurance.

      Hope this information helps

      Cheers,
      Arnold

    • Default Gravatar
      GrahamMay 28, 2017

      I note that there are many benefits that have an excess. If we are involved in an event that damaged our luggage, required hospitalization, and say medical repatriation back to Oust., is that regarded as multiple claims, requiring multiple excesses to be paid.
      Also, do we need to find the means to pay any costs first, then try to claim the money back?

    • Staff
      HaroldMay 31, 2017Staff

      Hi Graham,

      Thank you for your inquiry.

      Before you request for a claim you may need to read first on this page the list of consideration for a claim. Then once you are eligible for a claim. You can proceed to enquire, 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).

      I hope this information has helped.

      Cheers,
      Harold

    • Default Gravatar
      FrankMay 25, 2017

      Hi After receiving your reply ref: our following question:We are now completely confused

      Question we submitted:
      “Once we have paid for our vacation with our credit card – We know we are covered from the day we leave BUT what about the time leading up to our vacation?
      eg:
      We become ill and have to cancel
      or
      The travel agent goes into liquidation
      or
      Terrorist activity at our destination creates to much of a travel risk and we have to cancel”

      We received an Email from friends stating the following:

      That QBE not Chubb is now the insurer. and that the cancellation point says we are covered for illness before travel providing we have documentation from doctor and under the age of76. After that age there are a lot of omissions from the policy. Also covered for up to $5000 rental excess waiver if we hire from a registered hire company.

      Thanking you
      Frank and Rosemary

    • Default Gravatar
      JonathanMay 29, 2017

      Hello Frank and Rosemary!

      Thanks for getting back.

      Just to confirm that the insurance provider for the NAB complimentary travel insurance is QBE.

      If you will cancel your trip due to illness or injury, as the PDS has stated, you must provide QBE with documentation from your treating doctor to confirm you are medically unfit to commence or continue with your trip.

      QBE will not pay for cancellation or holiday deferment costs unless these costs are medically justified and if you have already commenced your trip you must have their consent.

      Furthermore, QBE will pay your cancellation with the following limits:

      1. For persons aged 75 years or under on the date you depart for a trip – Unlimited, except Travel Agents Cancellation fees up to a maximum of $500 per person

      2. For persons aged 76 years and over up to 90 years on the date you depart for a trip – $5,000, except Travel Agents Cancellation Fees up to a maximum of $500 per person

      As for the Rental vehicle damage and theft excess waiver, the policy limit of $5,000 applies for ages 75 years old and below whereas it is no longer available for 76 years old and above.

      It would also be best to contact QBE insurance on the phone number listed above under “How to make a claim” section if you have further clarification.

      Cheers!
      Jonathan

    • Default Gravatar
      JonathanMay 24, 2017

      Hi BainesF1!

      Thank you for your inquiry.

      You’ll be eligible for the NAB complimentary travel insurance if you meet all the criteria outlined above. The insurance overseas travel and medical cover that you’re eligible for are also listed under the “Insurances provided under this policy” section.

      As for the insurance cover period, in the PDS, it states:

      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).

      Hope this helps you out today.

      Regards,
      Jonathan

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