PassportCard is the only travel insurance provider that pays approved overseas medical and dental, delayed luggage and lost or stolen cash claims straight onto a physical card while you're still travelling, with no reimbursement forms and no waiting for a bank transfer.
| Overseas medical & dental expenses | Unlimited |
|---|---|
| Luggage and personal belongings | Up to $25,000 |
| Rental vehicle insurance excess | Up to $10,000 |
| Claims payout method | Instant, direct to your PassportCard for overseas medical & dental, delayed luggage and lost or stolen cash claims |
Table updated September 2026
PassportCard doesn't ask you to pay upfront and claim reimbursement afterwards for overseas medical and dental, delayed luggage and lost or stolen cash claims. Its claims process is built around the physical PassportCard, loaded the moment one of these claims is approved:
Every PassportCard Comprehensive policy includes the following as standard:
PassportCard offers a range of optional extras to help tailor your policy to your trip. These include:
Be sure to read the product disclosure statement (PDS) to fully understand what is and is not covered by these optional extras.
Generally, PassportCard won't pay your claim if it relates to:
This is a summary only. Review the Combined PDS/FSG at passportcard.com.au/pds for full terms.
PassportCard offers an instant payout model for certain claim types, including overseas medical and dental, delayed luggage and lost or stolen cash. If one of these claims is approved, the funds are loaded onto a PassportCard debit card, so you can access them while you’re still travelling, rather than paying upfront and claiming reimbursement later. Combined with unlimited overseas medical cover and 24/7 Australian-based support, it's a strong pick for travellers who want to avoid being out-of-pocket mid-trip. Optional packs for snow, cruise and adventure activities mean it can flex to most holiday types, though adventure travellers should check add-on pricing before comparing on cost alone.
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