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.
- 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
|Excess if applicable||Benefits||Policy limit|
(for persons ages 75 and under)
(for persons aged 76 to 90)
|$200||Overseas medical||Unlimited||Not available|
|$200||Medical evacuation and repatriation||Unlimited||Not available|
|$200||Repatriation of remains||Unlimited||Not 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
|$200||Critical illness or injury – emergency travel expenses for companion||Unlimited||Not available|
|Nil||Post-hospital accommodation||$100 per day (maximum $500)||Not available|
|$200||Dental expenses due to sudden and acute pain||Unlimited||Not available|
|$200||Cancellation or holiday deferment costs||Unlimited, 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|
|$200||Emergency travel arrangements and accommodation expenses||Unlimited||Not available|
|$200||Loss of reward points||Unlimited||Not available|
|$200||Luggage and personal effects|
Personal computer, cameras and video camera
Any other item
|Nil||Emergency luggage||$300 singles|
Limit is doubled if your luggage is still not located after 72 hours
Limit is doubled if your luggage is still not located after 72 hours
|Nil||Replacement of passports and travel documents||Unlimited||Unlimited|
|$200||Fraudulent use of credit or debit cards||Unlimited||Unlimited|
|Nil||Travel delay||$750 singles|
|$200||Missed connection – special events||Maximum $3,250 per family for all missed special events||Maximum $3,250 per family for all missed special events|
|Nil||Resumption of trip||$5,000 singles|
|$200||Return of rental vehicle||$250 per trip||Not available|
|Nil||Accidental 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
|Nil||Loss of income||Up to $1,000 per week for a maximum of 13 weeks||Not available|
|Nil||Personal liability and legal expenses||Up to $2,500,000||Up to $2,500,000|
|Nil||Kidnap and ransom||Up to $250,000||Up to $2,500,000|
Note: An excess in insurance is basically the amount you must pay towards any claim that you make.
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.
|Benefits||Maximum sum insured||Policy excess per event|
|Travel delay||$40 per person, up to a maximum of $120 for families||Nil|
|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 families||Nil|
|Cancellation and holiday amendment costs||$3,000 per interstate trip||$75|
|Rental vehicle expenses||$1,250 per interstate trip||Nil|
|Domestic hotel burglary||$2,500||Nil|
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|
|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
|Benefits||What is covered?||Maximum sum insured||Excess per event|
|Extended warranty||12 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 protection||On new personal items against loss/ theft/ accidental damage for 3 months from purchase||$200,000 in any 12 month period|
$5,000 single claim
|Price protection||Difference between the price of the covered item and a lower printed advertised price for the exact same item||$1,000||Nil|
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 firstname.lastname@example.org.
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:
- All claims should be advised within thirty (30) days after you return to your usual place of residence in Australia.
- 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.
- 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.
- For medical expense items, you must submit accounts to your private health fund before submission to us.
- 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.
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.