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Complete guide to NAB complimentary travel insurance

Information verified correct on January 24th, 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

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.

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230 Responses to Complete guide to NAB complimentary travel insurance

    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

    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

    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

    Default Gravatar
    Glen | December 20, 2016

    Hi May,

    My card is Platinum as opposed to Premium. Is travel insurance included for Platinum credit cards?

    Cheers,
    Glen

      Staff
      May | December 20, 2016

      Hi Glen,

      Thanks for getting back.

      The complimentary travel insurance is actually one of the benefits of your Platinum card, so that means you can take advantage of the insurance cover. Furthermore, you will get the Overseas Travel Insurance when you spend $500 or more of your pre-booked travel using your card and meet all other conditions stated in the T&Cs.

      Cheers,
      May

      Default Gravatar
      Glen | December 20, 2016

      Thank you May

    Default Gravatar
    Glen | December 20, 2016

    Hello,
    Could you please confirm that my NAB Platinum QANTAS VISA card provides Travel Insurance as per the T&C mentioned.
    Cheers, Glen

      Staff
      May | December 20, 2016

      Hi Glen,

      Thank you for your question.

      Yes, the NAB Qantas Rewards Premium Card comes with a complimentary travel insurance. Though please note that you’ll only be eligible to get covered if you meet the criteria outlined above.

      Cheers,
      May

    Default Gravatar
    Kristine | December 12, 2016

    Can you tell me if the insurance covers payments made prior to leaving the country for international cover, as I have paid deposits on accommodation etc. If something was to stop us from travelling on the dates specified would these be reimbursed?

    thanks
    Kris

      Staff
      May | December 13, 2016

      Hi Kristine,

      Thanks for your question.

      As stated in the complimentary travel insurance T&Cs, prior to your trip, you must book purchase a minimum of $500 (inclusive of taxes and other charges) in pre-booked transportation costs and/or land content costs (including tours, hire cars or other hired transport and accommodation) on your NAB Premium or NAB flybuys Rewards Card.

      Meantime, the cancellation or holiday deferment costs are also covered, so long that the cancellation is due to any of the unforeseen circumstances outside of your control listed below:

      - your unforeseen death, accidental injury or illness;
      - the unforeseen death, accidental injury or illness of your relative under 80 years of age or your business partner or your travelling companion; or
      - any unforeseen circumstances beyond your control, except for the circumstances listed under “What is not covered?” that is unforeseen death, injury or illness of a person who is:

      • your relative aged 80 years or over;
      • not your business partner;
      • not your travelling companion.

      Cheers,
      May

    Default Gravatar
    Valda | November 15, 2016

    Do I have to notify NAB or QBE if we are travelling overseas & give the dates or is it automatic as we always use our NAB premium cards to pay for travel

      Staff
      May | November 15, 2016

      Hi Valda,

      Thanks for your question.

      Yes, although you are eligible for the NAB card complimentary travel insurance, it would be good to inform your bank and QBE Insurance of your overseas journey before you leave so that you will be given proper assistance and instructions on how you can make future claims.

      Hope this has helped.

      Cheers,
      May

    Default Gravatar
    Ken | November 8, 2016

    Is this complimentary travel insurance still current?

      Staff
      Jason | November 8, 2016

      Hi Ken,

      Thank you for your inquiry.

      The NAB complimentary travel insurance information provided on this page is current and verified. You may also get in touch with QBE Insurance (Australia) Limited for further inquiry.

      Cheers,
      Jason

    Default Gravatar
    Ian | November 5, 2016

    What car insurance does our Mastercard/Visa cards cover if we hire a car to travel?

      Staff
      Jason | November 5, 2016

      Hi Ian,

      Thank you for your inquiry.

      If you’re a NAB Premium or NAB flybuys Rewards card holder and you meet the eligibility requirements, you will be entitled for a $250 per trip with $200 excess (if applicable) of return of rental vehicle benefit for international cover (for persons ages 75 and under) and $1,250 per interstate trip of rental vehicle expenses, as long as you charged 100% of relevant expenses to your NAB card, for domestic cover.

      Cheers,
      Jason

    Default Gravatar
    Ton | October 31, 2016

    If my wife and child are traveling without me and purchased flights etc. using our credit card (that’s in my name) are they covered?

      Staff
      May | November 1, 2016

      Hi Ton,

      Thank you for your inquiry.

      Your spouse or dependent children will only be covered under the NAB complimentary travel insurance policy if they are travelling with you and have met other eligibility requirements such as the $500 minimum spend per person.

      Cheers,
      May

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