Summary of Westpac International Comprehensive policy
Overseas Medical and Hospital Expenses
$20,000,000
Cancellation and Amendment Fees
Cover chosen
Luggage and Personal Effects
$10,000
Maximum Age Limit
120
Table updated October 2023
How does Westpac Travel Insurance cover COVID-19?
Westpac offers some cover for claims related to COVID-19. Here's what you can expect:
Any costs incurred from having to cancel, delay or change your trip because you or a travelling companion are diagnosed with COVID-19 - that includes additional accommodation and travel expenses.
Overseas emergency medical costs if you need treatment for COVID0-19while on your trip
Transport of your remains or burial costs if you die as a result of COVID-19 during your trip.
There are some scenarios that are not covered by Westpac including costs incurred as a result of mandatory quarantine or isolation, border closures or government travel bans.
Also, if you were diagnosed with COVID-19 before heading on your trip but you went anyway, you won't be covered for any COVID-related overseas medical expenses.
What do Australians think of Westpac travel insurance?
4.16/5 overall for Customer Satisfaction — lower than the average of 4.26
4.46/5 for Trust — lower than the average of 4.57
4.11/5 for Customer Service — lower than the average of 4.2
Westpac offers five insurance policies to travellers: Comprehensive, Essentials, Domestic, Multi-Trip and Non-Medical.
Comprehensive
Essentials
Domestic
Multi-Trip
Non-Medical
The insurer of this product is Allianz Australia Insurance Limited. It comes with a cooling-off period of 14 days and choice of $200 standard excess for international plans.
Here's a breakdown of Westpac Travel Insurance features
These are some of the main insured events that Westpac will cover. Some of these benefits may only be available on the comprehensive international policy.
Overseas medical treatment
Lost, damaged or stolen property
Trip cancellation or amendment
Additional accommodation and transport
Rental vehicle excess
Theft of money
Luggage and travel delay
Emergency dental costs
Kidnap and hijack
Personal liability
Permanent disability
Accidental death
Optional add-ons
Westpac also offers four add-ons that provide cover for a wider range of risks.
Adventure Pack. Cover for a broader range of activities that are deemed higher-risk, including moped riding, river tubing and quad biking.
Snow Pack.Cover for participation in snow sports, plus cover for specific risks such as piste closure, avalanches, and equipment hire.
Cruise Pack Extends your insurance policy to cover cruises and covers a range of specific risks such as cabin confinement, missed short excursions, and marine rescue.
Exclusions
Unfortunately, travel insurance doesn't cover everything. Generally, Wetpac will not pay your claim if it relates to:
Unlawful, wreckless or unreasonably unsafe behaviour by you
Behaviour while you were drunk or under the influence of drugs
Expenses related to a pre-existing medical condition
Self-inflicted injury or illness, suicide or attempted suicide
Make sure you review the Westpac PDS for a detailed breakdown of what won't be covered, found under its list of general exclusions.
How to make an Westpac Travel Insurance claim
You can lodge a claim online via the AGA website, or email travelclaims@allianz-assistance.com.au.
Alternatively, you can lodge a claim over the phone by calling AGA on 1800 502 077, 8am–7pm, Monday–Friday or 8am–5pm on Saturday.
Here's the bottom line about Westpac Travel Insurance
Westpac has a decent range of customisations, including an adjustable excess and cancellation limits, as well as specific add-ons for snow sports, adventure activities, and cruising.
This makes the policy suitable for a wide range of travellers and trip types. However, cover for COVID-19 is limited so if you want comprehensive protection, you might have to look elsewhere.
No, anyone over the age of 18 can buy a Westpac travel insurance policy. However, the Snow Pack and Adventure Pack are only available to under 75s.
Some Westpac credit cards come with complimentary travel insurance. If you have a credit card, check whether it includes travel insurance, if it suits your needs, and how you can activate it.
No, you can get travel insurance from Westpac even if you are not an existing customer.
Request travel insurance quotes and compare policies
Nicola Middlemiss is a contributing writer at Finder, with a special interest in personal finance and insurance. Formerly a business and finance journalist, Nicola has written thousands of articles helping Australians better understand insurance and grow their personal wealth. She has contributed to a wide range of publications, including Domain, the Educator, Financy, Fundraising and Philanthropy, Insurance Business, MoneyMag, Mortgage Professional, Yahoo Finance, Your Investment Property, and Wealth Professional. Nicola has a Tier 1 General Insurance (General Advice) certification and a Bachelor's degree from the University of Leeds. See full bio
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Find out how to get travel insurance for children/under 18s travelling without the supervision of their parents and learn the terms and conditions for getting free child cover for your dependent child.
This article examines what is and isn’t covered by missed flight travel insurance and also takes a look at other types of trip interruption and cancellation cover.
One of the features of many high-end or rewards credit cards is complimentary travel insurance. Unlike standalone travel insurance policies which require you to pay a premium, these policies are offered for free to cardholders. However, keep in mind that you still need to pay your card’s annual fee and will need to use your credit card to book certain holiday costs in order to activate cover.
Similar to standalone travel insurance policies, complimentary credit card travel insurance offers cover for a host of risks you face while travelling, including overseas emergency medical expenses, cancellation fees and lost deposits, luggage and personal belongings, and legal liability.
However, just as with any other type of insurance, these policies feature a range of limits and exclusions that you should be wary of before setting off on a trip. It also pays to compare credit card travel insurance policies closely before deciding which card offers the right cover for you.
Review affordable backpacker insurance for your next overseas adventure and find the right insurance policy to cover commonplace backpacking travel risks.
Domestic travel insurance can provide cover for trip cancellation (domestic flights), loss or damage to luggage and expensive items, car rental excess charges and much more. Find out why domestic travel insurance is worth getting and compare policies from Australian insurers.
does westpac travel insurance cover flight cancellation because of volcanic ash
Finder
AngusNovember 14, 2024Finder
Hi Terance, A couple of points. Typically insurers cover unknown events, so if you had taken out insurance prior to volcanic activity commencing, you might be covered (assuming your policy covers cancellations – some basic policies may not). However, insurance taken out after volcanic activity occurs (as has been the case in Bali this week as I write this) would not cover it. Secondly, in the event of flight cancellations the first responsibility sits with the airline – only once those options are exhausted would travel insurance come into play.
kenJanuary 12, 2024
my brother Garry legge has account with Westpac and we are going to England and France in August he has travel insurance through you he said if he pays my fair i can be covered under a family pack is this true
Finder
SarahJanuary 12, 2024Finder
Hi Ken,
Generally, the travel insurance offered on a credit card can only extend to the spouse and children. You can read more about it here. It is unlikely you will be covered, but you can contact Westpac for confirmation on 13 20 32.
PRAVINJune 20, 2018
I have booked a hotel in Bali by using my Westpac credit card. I have also paid taxes for the Jetstar flights to Bali.
How much do I need to spend to be covered by WBC travel insurance
AshJune 20, 2018
Hi Pravin,
Thank you for visiting finder.
To be eligible for the Complimentary Travel Insurance from Westpac, you need to have a return ticket to Australia and use your credit card to pay for a minimum of $500AUD of your travel cost. The eligible cost includes:
Once you have met all the conditions above, you will be automatically covered by the travel insurance.
I hope this helps.
Let us know if there is anything else that we may assist you with.
Cheers,
Ash
JohnOctober 14, 2017
Do I have to bank with Westpac to be eligible to purchase travel insurance
ArnoldOctober 15, 2017
Hi John,
Thanks for your inquiry.
No, you don’t. You may purchase a policy without banking with Westpac. Some Westpac cards do offer complimentary travel insurance. You may also check our Westpac Complimentary Insurance Policy Overview for more information.
As a gentle reminder, please ensure you review the relevant Product Disclosure Statements/Terms and Conditions before applying.
Hope this information helps
Cheers,
Arnold
GarryMay 24, 2016
Hi I have Westpac credit card .do Westpac give free travel insurance to it customers like comm bank do for there customers.
Finder
RichardMay 24, 2016Finder
Hi Garry,
Thanks for your question. Some Westpac cards do offer complimentary travel insurance. You may find our Westpac credit card’s complimentary insurance policy review useful.
I hope this was helpful,
Richard
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does westpac travel insurance cover flight cancellation because of volcanic ash
Hi Terance, A couple of points. Typically insurers cover unknown events, so if you had taken out insurance prior to volcanic activity commencing, you might be covered (assuming your policy covers cancellations – some basic policies may not). However, insurance taken out after volcanic activity occurs (as has been the case in Bali this week as I write this) would not cover it. Secondly, in the event of flight cancellations the first responsibility sits with the airline – only once those options are exhausted would travel insurance come into play.
my brother Garry legge has account with Westpac and we are going to England and France in August he has travel insurance through you he said if he pays my fair i can be covered under a family pack is this true
Hi Ken,
Generally, the travel insurance offered on a credit card can only extend to the spouse and children. You can read more about it here. It is unlikely you will be covered, but you can contact Westpac for confirmation on 13 20 32.
I have booked a hotel in Bali by using my Westpac credit card. I have also paid taxes for the Jetstar flights to Bali.
How much do I need to spend to be covered by WBC travel insurance
Hi Pravin,
Thank you for visiting finder.
To be eligible for the Complimentary Travel Insurance from Westpac, you need to have a return ticket to Australia and use your credit card to pay for a minimum of $500AUD of your travel cost. The eligible cost includes:
*Return overseas travel tickets
*Airport/departure taxes
*Prepaid overseas accommodation
*Prepaid overseas itinerary items
Once you have met all the conditions above, you will be automatically covered by the travel insurance.
I hope this helps.
Let us know if there is anything else that we may assist you with.
Cheers,
Ash
Do I have to bank with Westpac to be eligible to purchase travel insurance
Hi John,
Thanks for your inquiry.
No, you don’t. You may purchase a policy without banking with Westpac. Some Westpac cards do offer complimentary travel insurance. You may also check our Westpac Complimentary Insurance Policy Overview for more information.
As a gentle reminder, please ensure you review the relevant Product Disclosure Statements/Terms and Conditions before applying.
Hope this information helps
Cheers,
Arnold
Hi I have Westpac credit card .do Westpac give free travel insurance to it customers like comm bank do for there customers.
Hi Garry,
Thanks for your question. Some Westpac cards do offer complimentary travel insurance. You may find our Westpac credit card’s complimentary insurance policy review useful.
I hope this was helpful,
Richard