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:
Offers:
Offers:
Does not offer:
The cover is automatically available to you and eligible family members when you meet these requirements. If you need further details or want confirmation of cover, call Allianz on 1800 072 791.
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.
| Benefit | Claim limit | Excess payment (per claim) |
|---|---|---|
| Overseas emergency assistance | Unlimited | $0 |
| Overseas emergency medical | Unlimited except for emergency dental | $200 |
| Overseas emergency dental expenses due to sudden, acute pain (toothache) | $1,250 per person | $0 |
| Hospital cash allowance | $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 | $500 per person | $0 |
| Loss of income | Your verified income up to $1,250 per person per week for a cardholder and spouse, limited to up to 3 consecutive months incapacity and a maximum total limit of $12,000 | $0 |
| Additional expenses | Unlimited, except for resumption of journey, travel delays and alternative transport (covered in next table) | $0 |
If got sick overseas and had to go to hospital for a few days, you could get cover for costs related to:
Just keep in mind that each travel claim is subject to an assessment and there may be excess payments if you're eligible for a payout.
| Benefit | Claim limit | Excess payment (per claim) |
|---|---|---|
| Cancellation | Unlimited except: Travel agents cancellation fees: $500 or 15% of the value of the travel arranged by the agent (whichever is worth less) 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 | Up to $475 per person for meals and accommodation, with a maximum total limit of $1,100 for a cardholder travelling with their spouse and/or dependants | $0 |
| Missed connection | Up to $80 per person, with a maximum total limit of $300 | N/A |
| Alternative transport | Up to a maximum total limit of $2,500 | $200 |
| Resumption of journey (including following the death of a relative) | 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 | Up to a maximum total limit of $2,750 | N/A |
⚠️ Keep in mind: Cancellations and other changes to your travel plans are only covered under specific circumstances. For example, if you missed a flight because you needed urgent medical treatment for a covered health issue.
| Benefit | Claim limit | Excess payment (per claim) |
|---|---|---|
| Luggage | 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:
| $200 |
| Travel documents, transaction cards and traveller's cheques | Up to $600 per person up to a maximum total limit of $1,100 for a cardholder travelling with their spouse and/or dependants | N/A |
| Luggage delay | 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 |
Claims under these benefits are less common and usually only apply in extreme circumstances. None of them have an excess payment but we have listed their claim limits.
Some of the key situations that aren't covered by Suncorp's complimentary credit card insurance include:
⚠️ Remember: 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.
Yes, your spouse and dependants (i.e. your children) can also get cover when they are travelling with your for at least 50% of your trip. They also need to meet the same travel booking requirements and other conditions of the insurance policy. Check the policy document for full details.
This complimentary international travel insurance automatically covers a limited number of pre-existing medical conditions when you meet the requirements, including:
| Pre-existing medical condition | Conditions for cover |
|---|---|
| Asthma | If you have not needed treatment for it from a medical adviser in the past 12 months. |
| Coeliac disease | If your condition has not required treatment by a medical adviser in the last 6 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 must also:
|
| 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. |
⚠️ Keep in mind: Every travel insurance policy has its own definition and details about pre-existing conditions. You'll find full details in the Suncorp credit card complimentary travel insurance policy document.
Call Allianz on 1800 072 791 to check if you can use this insurance. You may be able to get written confirmation from Allianz that a pre-existing medical condition is covered, although be aware that additional fees may apply.
Otherwise, you won't get cover for any pre-existing conditions that cause issues. This includes conditions that you've had professional treatment for and untreated conditions you're aware of before you travel.
Got a pre-existing health condition? Compare other travel insurance policies that offer cover for conditions including anxiety, high blood pressure and knee replacement.
If it's an emergency, call Allianz on +61 7 3305 7499 when you're overseas or 1800 072 791 in Australia. Then, submit a claim as soon as possible by following these steps:
You will hear back about your claim within 10 business days, according to the online claims website.
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. Some examples include:
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 claims.
Call Allianz on 1800 072 791 or submit your claim through the Allianz online claim portal at https://claims.agaassistance.com.au/.
Suncorp credit cards give you access to other types of insurance for items you buy. Here's a basic explainer of each one:
Don't have complimentary insurance on your credit card yet? Compare Suncorp credit cards or check out other cards that offer insurance.
This Suncorp credit card lets you choose to earn Qantas Points for a $49 yearly fee, and offers complimentary international travel insurance. So is it worth it?
A platinum card with 120,000 bonus Suncorp Credit Card Rewards Points, a balance transfer offer and complimentary insurance covers.
With additional cardholders, interest-free days on purchases and a choice of rewards, will this Suncorp credit card fit with your business goals?
The Suncorp Bank Clear Options Standard Card offers a 0% introductory balance transfer and purchase rate offer, along with a $0 first-year annual fee. Check out its other features here.
This is one of only a handful of gold credit cards on the market in Australia, and it also offers rewards. Check out its other features here.
With a Suncorp Rewards credit card, you’ll earn points per $1 on eligible spending – so is it worth it?
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