Suncorp credit card complimentary travel insurance, explained
Wondering if Suncorp platinum credit card travel insurance is enough for your next trip? Here’s what you need to know.
We’re reader-supported and may be paid when you visit links to partner sites. We don’t compare all products in the market, but we’re working on it!
If you want complimentary travel insurance through a Suncorp credit card, the Suncorp Clear Options Platinum Credit Card is currently the only card that offers cover for eligible trips overseas and in Australia. It also offers purchase protection insurance and a guaranteed pricing scheme for eligible items you buy with the card.
These insurance policies are underwritten by Allianz Australia Insurance Limited (Allianz) and have different conditions you need to meet to get cover or make a claim. So it's important to read the policy document for full details of this cover (as it is for any insurance). But because these documents can be hard to read, we've got the key details here so you can get a better understanding of Suncorp's platinum card insurance.
Have a question or need to make a claim right now? Call Allianz on 1800 072 791 or +61 7 3305 7499.
Which Suncorp credit cards have complimentary travel insurance?
Right now, Suncorp's platinum credit card is the only one with complimentary travel insurance but you can get other types of insurance with a gold Suncorp credit card. Here's a look at your options:
| Card | International travel insurance | Transit accident insurance | Domestic interstate flight inconvenience insurance | Rental vehicle excess insurance | Extended warranty insurance | Purchase cover insurance | Guaranteed pricing scheme |
|---|---|---|---|---|---|---|---|
| Suncorp Clear Options Platinum Credit Card | |||||||
| Suncorp Clear Options Gold Credit Cardd |
Have a Suncorp credit card that's not on this list? Check the terms and conditions available on the Suncorp website to see if your card is eligible.
What's covered by Suncorp complimentary international travel insurance?
This insurance includes overseas emergency medical cover, luggage and some cancellations. The actual cover you get is broken down into "benefits" based on what you can and can't claim. Some claims also have an excess you need to pay before you'll get any money back (if your claim is approved).
Here, we've broken down the key options for different types of claims and situations. But remember: you should always read the insurance policy booklet for complete details of the cover.
Medical, dental and emergencies cover with a Suncorp credit card
| Benefit | One example of when you'd use this | Claim limit | Excess payment (per claim) |
|---|---|---|---|
| Overseas emergency assistance | If you get food poisoning overseas and have to see a doctor or change your travel plans. | Unlimited | $0 |
| Overseas emergency medical | If you become sick or injured overseas and have to pay for seeing a doctor or other medical professional. | Unlimited except for emergency dental | $200 |
| Overseas emergency dental expenses due to sudden, acute pain (toothache) | If you're overseas and have to see a dentist because of a toothache that's not related to anything else (including decay). | $1,250 per person | $0 |
| Hospital cash allowance | If you're in hospital for more than 24 hours because of a relevant health issue, this allowance helps cover the extra costs. | $110 per day with a limit of $13,000 per person up to a maximum total limit of $16,500 for a cardholder travelling with their spouse and/or dependants | $200 |
| Assault requiring hospitalisation | If you're attacked and need to be treated at a hospital as an inpatient. Note that you need a written report from the medical professional and a police report to make a claim. | $500 per person | $0 |
| Loss of income | If you're injured overseas, get treatment and experience a disability that lasts for at least 30 days after you get home, and lose your income because of it. | Your verified income up to $1,250 per person per week for a cardholder and spouse, limited to three (3) consecutive months incapacity and a maximum total limit of $12,000 for all claims combined | $0 |
| Additional expenses | If you or a companion is injured to the point of incapacity, you could claim extra accommodation or travel costs. Note that you need written advice from the doctor or medical advisor who treated you and written consent from Allianz to make a claim. | Unlimited except for resumption of journey | $0 |
Suncorp complimentary international travel insurance for cancellation, delays and transport
| Benefit | One example of when you'd use this | Claim limit | Excess payment (per claim) |
|---|---|---|---|
| Cancellation (specific situations only) | If your journey is cancelled, disrupted or rescheduled because of a serious injury, unforeseen medical issue, your death or the unforeseen death of a parent or grandparent that lives overseas. | Unlimited except: Travel agents cancellation fees: Equal to the lesser of $500 or 15% of the value of the travel arranged by the agent Travel services provider insolvency: $5,000 per person up to a maximum total limit of $12,000 for a cardholder travelling with their spouse and/or dependants Death of parents or grandparents living overseas: $5,000 for a cardholder travelling with a spouse and/or dependants | Travel services provider insolvency: $200 Death of parents or grandparents living overseas: $200 |
| Travel delay | If your flight was delayed by 6 hours or more, you could claim food or accommodation expenses. | Up to $475 per person for meal and accommodation expenses, up to a maximum total limit of $1,100 for a cardholder travelling with their spouse and/or dependants | $0 |
| Missed connection | If you miss a connecting flight because of late arrival and can't get another flight for at least 4 hours, you could claim food and refreshment expenses. | Up to $80 per person, with a maximum total limit of $300 | N/A |
| Alternative transport | If your transport is delayed or cancelled and it means you wouldn't make it to a wedding, funeral or an eligible major event that you booked before you left Australia, this helps cover the cost of reasonable travel expenses to get you there. | Up to a maximum total limit of $2,500 | $200 |
| Resumption of journey (including following the death of a relative) | If a relative in Australia dies or is hospitalised for a serious injury or unexpected illness when you're travelling and you need to go back to Australia to see them, you could submit a claim to cover the flight costs. | Up to $6,000 per person up to a maximum total limit of $12,000 for a cardholder travelling with their spouse and/or dependants | $200 |
| Rental vehicle excess | If your overseas rental car is stolen or you have an accident while driving it and the hire company agreement includes an excess that you need to pay, this cover can help with the cost. | Up to a maximum total limit of $2,250 | N/A |
Luggage and personal items cover offered with Suncorp credit card complimentary insurance
| Benefit | One example of when you'd use this | Claim limit | Excess payment (per claim) |
|---|---|---|---|
| Luggage Note: Sporting goods aren't covered when in use. Valuables left in a vehicle or placed in check-in typically won't be covered. Separate limits apply for business items and valuables left unattended in a vehicle. | If you're travelling and your phone is stolen from your pocket or a handbag that you have on your arm at the time. | Up to $16,000 per person with a maximum total limit of $32,000 for a cardholder travelling with their spouse and/or dependants subject to the following limits: - Up to $5,000 per item for baggage, clothing, personal valuables, portable electrical equipment and binoculars - Up to $5,000 per camera for cameras and associated equipment/accessories - Up to $5,000 in total for laptop computers and associated equipment/ accessories Note: Business items are only insured for $3,000 in total and, covered items left unattended in a motor vehicle are only insured up to a limit of $250 per item to a maximum total limit of $2,500 | $200 |
| Travel documents, transaction cards and traveller's cheques | If your passport is lost or stolen and you have reported it to the local police within 24 hours, you could claim the fees for reissuing it. | Up to $600 per person up to a maximum total limit of $1,100 for a cardholder travelling with their spouse and/or dependants for travel documents, travellers cheques, bank notes, currency notes, postal orders, money orders, cash or transaction cards | N/A |
| Luggage delay | If your luggage is delayed for more than 12 hours and the airline (or carrier) is at fault, you can get reimbursed for essential items you need to buy during that time. | Up to $500 per person up to a maximum total limit of $1,000 for a cardholder travelling with a spouse and/or dependants | $200 |
Hijacking, detention and personal liability cover offered with Suncorp complimentary credit card travel insurance
Note: Does not apply for acts of terrorism
| Benefit | One example of when you'd use this | Claim limit | Excess payment (per claim) |
|---|---|---|---|
| Hijacking and detention | If your flight or cruise was hijacked, this cover would apply for each day you are held captive (up to the limit listed). | $250 per day up to a maximum total limit of $5,000 | $0 |
| Personal liability | If you're involved in an accident and become legally liable to pay compensation for someone else's injuries or damaged property (when the person doesn't live with you), this helps cover the legal costs. | Up to a maximum total limit of $2,250,000 | $0 |
Suncorp credit card complimentary international travel insurance for death and funerals
| Benefit | One example of when you'd use this | Claim limit | Excess payment (per claim) |
|---|---|---|---|
| Accidental death | If you are injured overseas and die because of that injury. Or if the plane or boat you're travelling on disappears and you're declared dead within 12 months. | $50,000 per cardholder $25,000 per spouse $5,000 per dependant | $0 |
| Funeral expenses | If you die overseas and there is a funeral or your remains need to be brought back to Australia. Note that only some causes of death are covered. | Up to a maximum total limit of $20,000 | $0 |
What's not covered?
All insurance policies have details of when you will and won't get cover, so check before you book a trip or make a claim. In the case of Suncorp's complimentary credit card insurance, some of the key situations that aren't covered include:
- Any epidemic or pandemic
- If the purpose of your trip includes getting medical treatment
- Pre-existing medical conditions, including ongoing dental issues, chronic illness and addictions (although you can apply for cover before travel for some conditions)
- Dangerous activities, including rock climbing, white water rafting, bungy jumping, skydiving, water skiing, off-piste snow skiing or snowboarding, or for any professional sports.
- Government interference with your travel plans
- Laptops, phones or tablets that you've put in your checked-in luggage
These are just a handful of examples of when you won't get cover under this policy. Check the Suncorp card insurance policy booklet or call Allianz on 1800 072 791 for more details about exclusions.
If you need cover for a skiing trip, bungy jumping or other overseas adventures, check out adventure sport travel insurance costs and conditions. Got a pre-existing health condition? Check out travel insurance policies that offer cover for conditions including asthma, high blood pressure and physical disabilities.
What do I need to do to use Suncorp's credit card international travel insurance?
If you're planning a trip and want cover through your Suncorp credit card, you'll need to meet the following requirements:
- Account status. You need to have an active, eligible Suncorp credit card in your name at the time of your booking.
- Travel bookings. You'll be covered if you book your overseas travel ticket before you leave Australian using one or more of the following options:
- Pay for the overseas travel ticket with your eligible Suncorp credit card
- Use Suncorp Rewards Points to book your overseas travel ticket
- Get the travel ticket through the airline Take Flight Program
- Length of travel. If your trip is for 6 consecutive months or less, you'll get cover through this policy.
Does Suncorp credit card travel insurance cover family members?
Yes, your spouse and dependants (i.e. your children) can also get cover when you meet the eligibility requirements for international travel insurance. For them, the key requirements to get cover are:
- They need to meet the same travel length and travel booking requirements as you
- They need to travel with you for at least 50% of the trip that you've got cover for
They also need to meet the other conditions of the insurance policy. Keep in mind that any claims they make will also be as a spouse or dependant, meaning different claim limits may apply compared to what you (as the primary cardholder) get.
Pre-existing medical conditions
This complimentary international travel insurance covers a limited number of pre-existing medical conditions and you need to meet some very specific guidelines to get automatic cover.
Here, we've summarised the key details for conditions that are covered but, as with other details of the policy, remember to look at the insurance document for full details.
| Pre-existing medical condition | Conditions for cover |
|---|---|
| Acne | If you have not needed treatment by a medical adviser in the last 3 months |
| Allergies | If you have not needed treatment by a medical adviser in the last 9 months and you don't have a known respiratory condition (e.g. asthma) |
| Asthma | If you have not needed treatment for it from a medical adviser in the past 12 months |
| Cataracts and glaucoma | If you have no ongoing complications, are not on a waiting list for an operation and have not been operated on in the last 2 months. |
| Coeliac disease | If your condition has not required treatment by a medical adviser in the last 9 months. |
| Diabetes/glucose intolerance | If you were diagnosed more than 12 consecutive months ago and have not had any complications in the last 12 consecutive months. You also need to have a blood sugar level reading between between 4 and 12 or a HbA1C score of 9% or less. You must also not currently be undergoing treatment for kidney, eye or nerve complications. |
| Ear grommets | If you have no current infection |
| Epilepsy | If there are no underlying medical conditions (e.g. previous head trauma, stroke) and you have not required treatment by a medical adviser for a seizure in the last 2 years |
| Gastric reflux | If it does not relate to another underlying diagnosis (e.g. gastric ulcer) |
| Gout | If it has remained stable for at least 9 months |
| Hiatus hernia | If no surgery is planned |
| Hypertension (high blood pressure) | If you have no known heart conditions and your current blood pressure reading is lower than 165/95 |
| Single pregnancy up to and including 26 weeks | If there are no existing complications related to the pregnancy and the pregnancy was not medically assisted |
What if I don't meet the requirements or have a different pre-existing condition?
In really simple terms, you won't get cover if you've previously seen a doctor or other qualified professional about a condition that ends up causing issues overseas. It's the same if you're aware of a physical, medical, mental or dental condition before you travel.
If you're not sure whether your pre-existing medical condition will be covered, call Allianz on 1800 072 791 to check if you can use this insurance. You can also apply to get written confirmation from Allianz that a pre-existing medical condition is covered, although be aware that additional fees may apply.
How to make a claim through your Suncorp credit card complimentary international travel insurance policy
First thing's first: Contact Allianz as soon as anything happens by calling 1800 072 791 or +61 7 3305 7499 if you're overseas and it's an emergency.
You can then submit a claim as soon as possible by following these steps:
- Go to the Allianz online claim portal at https://claimmanager.com.au/aga/agreement
- Confirm you agree with the terms and conditions, then click "Create new claim"
- Select the "Credit card insurance" option and provide details of your card
- Fill in the details on the claim form and upload your supporting documentation.
You will hear back about your claim within 10 business days, according to the online claims website.
What to include in your claim
With insurance claims, include as many details as you can. This makes it easier for the insurer to look at the claim and your eligibility for a payout.
So when you're travelling overseas with this cover, make sure you get as much written or photo evidence as you can for any claim you need to make. This could include:
- A referral or letter from a doctor or other professional you see in relation to a claim
- Official medical reports
- Police reports
- Photos of damaged items
- Emails or letters from airlines that relate to a claim
- Receipts or other proof of purchase
Tip: Use a travel wallet or create an online folder to keep all your important documents together. This could include your passport, itinerary, printed tickets, a copy of the Suncorp card insurance policy booklet – plus anything that could become supporting documentation for future claims.
Getting ready for your next trip now? Check out travel accessories that can make your life easier. Or, if you still need to book it all in, start comparing flights and hotels to find a great deal.
Other types of Suncorp complimentary credit card travel insurance
Transit accident insurance
- What is it? Cover for accidents that happen when you're travelling overseas on a plane, train, cruise ship, bus or other eligible vehicle. You also get cover for related accidents that happen when you're boarding or leaving the transport.
- When can I use it? You are eligible for cover if you have paid for the entire trip with your eligible Suncorp credit card before you leave. If your partner or dependants are travelling with you, they'll also get cover.
- Is there an excess cost? No, you don't need to pay an excess for any claims but there are limits to how much you can get paid out. For example, the loss of one hand or foot has a maximum benefit of $250,000 for you, $125,000 for your eligible spouse or $62,500 for a dependant.
Interstate flight inconvenience insurance
- What is it? Cover for specific issues that come up when you're travelling to a different state or territory in Australia. For example, cancelled return flights, flight delays of four hours or more, delayed or lost luggage and funeral expenses could all be covered if you meet the requirements.
- When can I use it? You'll get cover if you have paid for the entire trip with your eligible Suncorp credit card and are travelling for no more than 14 days in a row.
- Is there an excess cost? There is a $200 excess for any claims that relate to cancellation or luggage.
Rental vehicle excess in Australia insurance
- What is it? Cover for damage or theft of a car or other vehicle you have hired in Australia, up to a maximum of $2,250. Note that this cover is included as part of the interstate flight inconvenience insurance benefits in the Suncorp credit card complimentary insurance policy document.
- When can I use it? if you have paid for the entire trip with your eligible Suncorp credit card and are travelling for no more than 14 days in a row. The vehicle hire agreement also needs to include an excess cost for this cover to apply.
- Is there an excess cost? No.
How to make a claim under one of these policies
Call Allianz on 1800 072 791 or submit your claim through the Allianz online claim portal at https://claims.agaassistance.com.au/.
Suncorp credit card complimentary insurance for shopping
Suncorp credit cards give you access to other types of insurance, also provided by Allianz. Below is a snapshot of the different types.
Purchase cover insurance
- What is it? Cover for the cost of a new item that is stolen, accidentally damaged or lost. It covers most household and personal items such as laptops, shoes, jewellery and glasses. Exclusions include second-hand items, perishables, cash, computer software, real estate and vehicles.
- When can I use it? If you use your eligible Suncorp credit card to pay for covered items, this insurance will apply for the first 90 days from when you get them. This cover is available for any personal items you buy around the world. If the item was a gift for someone else, that person needs to be a permanent Australian resident for the cover to apply.
- How can I make a claim? You need to report the loss, theft or damage to the local police or relevant authorities (such as the office of a transport company) within 24 hours. Then, call Allianz on 1800 072 791 or submit your claim through the Allianz online claim portal at https://claims.agaassistance.com.au/ and include a written copy of the report you made about the item.
- Is there an excess cost? An excess of $100 per claim applies. There are also maximum claim amounts, which vary depending on the item and the eligible Suncorp credit card you have.
Extended warranty insurance
- What is it? Cover that doubles the manufacturer's warranty for items bought in Australia, up to a maximum period of 12 months. For example, if you bought a laptop with a 12-month manufacturer's warranty and it stopped working for no reason after 12 months, you could make a claim under this cover.
- When can I use it? If you used your eligible Suncorp credit card to pay for an item worth up to $20,000 and it came with an Australian manufacturer's warranty of between 7 days and 5 years. You can make a claim if something happens after the original warranty period has ended.
- How can I make a claim? Call Allianz on 1800 072 791 or submit your claim through the Allianz online claim portal at https://claims.agaassistance.com.au/.
- Is there an excess cost? An excess of $100 per claim applies. There are also maximum claim amounts, which vary depending on the item.
Guaranteed pricing scheme
- What is it? If you buy something and then see it being sold for less somewhere else, you could use this cover to make up the difference in price. For example, if you paid $300 for a pair of shoes and saw them advertised for $200 a month later, you could claim the $100 difference.
- When can I use it? If you bought something with your Suncorp credit card and see it advertised for at least $75 less than what you paid for it. You need to see the cheaper price within 60 days from when you bought it.
- How can I make a claim? Allianz on 1800 072 791 or submit your claim through the Allianz online claim portal at https://claims.agaassistance.com.au/.
- Is there an excess cost? There is no excess but the maximum amount you can claim for any item is $500.
Don't have complimentary insurance on your credit card yet? Compare Suncorp credit cards or check out other cards that offer insurance. If you have a type of cover in mind, you can also compare different insurance policy options and costs to find solutions that work for you.
Frequently asked questions
Does Suncorp credit card international travel insurance cover coronavirus?
No. Coronavirus is a pandemic and is not covered under this policy. If you want insurance that does cover some coronavirus issues, or you have more questions about it, Finder has a whole guide covering questions about this pandemic and travel insurance.
Can I get proof of my cover?
If you need proof of insurance beyond what's in the policy booklet, call Allianz on 1800 072 791.
More guides on Finder
-
Suncorp Clear Options Platinum Credit Card
A platinum card with 130,000 bonus Suncorp Credit Card Rewards Points, a balance transfer offer and complimentary insurance covers.
-
Suncorp Clear Options Business credit card
With additional cardholders, interest-free days on purchases and a choice of rewards, will this Suncorp credit card fit with your business goals?
-
Suncorp Clear Options Standard Credit Card
The Suncorp Bank Clear Options Standard Card offers a competitive interest rate on purchases and a low annual fee.
-
Suncorp Clear Options Gold Credit Card
Earn points as you spend, request up to 4 additional cardholders and save with up to 55 interest-free days on purchases.
-
Suncorp Rewards
With a Suncorp Rewards credit card, you’ll earn points per $1 on eligible spending – so is it worth it?
Ask an Expert
What is’ Take flight program’ in regard to credit card insurance.
Hi Margaret,
Thanks for contacting Finder.
The Take Flight Program is the service which allows the redemption of Points for travel Rewards. Please ensure that you use the Take Flight Program to get your ticket.
I hope this helps.
Regards,
Faye
I believe that international insurance is recommended for domestic cruises. Does the platinum card cover this?
Hi Colleen,
Thank you for your question and for contacting finder.com.au – we are a 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.
I’m afraid that the complimentary travel insurance attached to the Platinum Card holders would not be available for domestic cruises. The full and comprehensive complimentary international travel insurance is outlined in the PDS. For your reference, I emailed you the page where you can find the link to the PDS.
Cheers,
May
Is there an age limit for an travel insurance ?
Hi Mr. Scholz.
Thank you for your inquiry.
There was no age limit expressed in the credit card insurance terms and conditions. You may get in touch with Allianz Global Assistance on 1800 072 791 to confirm the age eligibility.
Cheers,
Jason
what is the contact number for Zurich assistance if we need to contact them while in U.S.
Hi Richard, thanks for your inquiry!
Please refer to the link I have sent to your email for the contact page and emergency contact numbers which you can contact whilst overseas.
I hope this has helped.
Cheers,
Jonathan
Who do we contact if we need to make a claim?
Hi Leonie,
Thanks for your inquiry.
The issuer of insurance for Suncorp bank is Zurich Australian Insurance Limited. Please note that neither Citibank (which is the credit issuer for Suncorp) nor Suncorp is the issuer of insurance covers, so if you need to file a claim please contact Zurich Insurance directly.
I hope this answers your question.
Cheers,
Jonathan