Westpac Travel Insurance

Our verdict: Westpac Travel Insurance covers the basics and offers helpful add-ons, but its cover for COVID-19 could be stronger.

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Nicola Middlemiss

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Westpac

Pros

  • You can set your own cancellation limit on both the comprehensive and essential plans, making it suitable for trips of all budgets.
  • Rental vehicle excess is included as standard in the comprehensive policy.

Cons

  • Cover for COVID-19 is limited. In most cases, you or your travelling companion would need to be diagnosed with COVID-19 to claim.
  • Pregnancy isn't covered after the 23rd week, but we found 11 brands that would extend cover for longer.
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Summary of Westpac International Comprehensive policy

Overseas Medical and Hospital Expenses$20,000,000
Cancellation and Amendment FeesCover chosen
Luggage and Personal Effects$10,000
Maximum Age Limit120

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 COVID-19 while 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

Based on Westpac travel insurance scores in Finder's 2024 & 2025 Customer Satisfaction Awards.

What policies does Westpac offer?

Westpac offers five insurance policies to travellers: Comprehensive, Essentials, Domestic, Multi-Trip and Non-Medical.

Travel plane luggage passport

Comprehensive

Passport

Essentials

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Domestic

Hiking

Multi-Trip

Map

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

Standard features
Optional add-ons
Exclusions

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Standard 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

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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.

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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
  • An act of war, invasion or revolution
  • Insolvency of a travel agent, tour operator or accommodation provider
  • Mandatory quarantines or isolations
  • An act of war, invasion or revolution
  • You being unfit to travel or travelling against medical advice
  • Childbirth or pregnancy complications after the 24rd week of gestation or if you have had previous pregnancy complications
  • A multiple pregnancy or one where the conception was medically assisted
  • An elective medical or dental treatment, cosmetic procedure or body modification (including tattoos or piercing)
  • 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.

If you're still not sure about Westpac, you can compare other travel insurance companies here.

Frequently asked questions

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Sources

Nicola Middlemiss's headshot
Journalist

Nicola Middlemiss is a journalist with nearly a decade of experience in personal finance and insurance. She has contributed to Domain, Yahoo Finance, Money Magazine and Insurance Business Australia, offering in-depth insights into commercial insurance in the Australian market. Nicola holds a Bachelor’s degree in English from the University of Leeds and a Tier 1 General Insurance (General Advice) certification, which complies with ASIC standards. See full bio

Nicola's expertise
Nicola has written 257 Finder guides across topics including:
  • Personal finance
  • Personal insurance, including car, health, home, life, pet and travel insurance
  • Commercial business insurance
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11 Responses

    Default Gravatar
    DenisMarch 23, 2016

    I have a west pac altitude platinum credit card i am travelling overseas does the complimentary travel insurance bring a discount to a full travel insurance policy ?

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