Virgin Money credit card complimentary travel insurance
A Virgin Money credit card that offers complimentary travel insurance can help you save on the cost of overseas trips – so how much cover can you get?
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Virgin Money offers complimentary insurance on Virgin Australia Velocity High Flyer and Flyer credit cards, including complimentary international travel insurance on the Velocity High Flyer.
These policies are underwritten by Allianz Global Assistance (Allianz) and there are different conditions to get cover and make claims. That's why it's always best to read insurance policy documents. But if you just want an overview, here we have pulled out the key details for this cover.
Have a question or need to make a claim now? Call Allianz on 1800 072 791 (Australia) or +61 7 3305 7499 (overseas).
What Virgin Money cards have complimentary travel insurance?
The Velocity High Flyer and Flyer credit cards offer different types of complimentary insurance. Here's a summary of what you can get with each card.
| Card | International travel insurance | Transit accident insurance | Domestic interstate flight inconvenience insurance | Rental vehicle excess in Australia insurance | Purchase protection insurance | Extended warranty insurance |
|---|---|---|---|---|---|---|
| Virgin Australia Velocity High Flyer Card | ||||||
| Virgin Australia Velocity Flyer Card - Bonus Points Offer |
What's covered by Virgin Money complimentary international travel insurance?
This insurance includes 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. For some claims, you'll need to pay an excess before you'll get any money back if it's approved.
Here, we've broken down the key options for different types of benefits, with basic examples of when you might make a claim. But remember: you should always read the insurance policy booklet for complete details of the cover.
Medical, dental and emergencies cover
| 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, this benefit can help you organise it. | 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) Note: In the policy booklet, this is listed as a sub-limit for "Overseas emergency medical". | 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 | $200 |
| 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 $16,000 for a cardholder travelling with their spouse and/or dependants | $200 |
| 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 3 consecutive months incapacity and a maximum total limit of $12,000 for all claims combined | $0 |
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: Travel services provider insolvency: Death of parents or grandparents living overseas: $5,000 for a cardholder travelling with a spouse and/or dependants | Cancellation and/or travel services provider insolvency: $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 $2,750 | $0 |
| Additional expenses Note: This benefit has different sub-limits based on the situation, which we have listed separately. | 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, travel delay and alternative transport | $0 |
| Resumption of journey (including following the death of a relative) Note: This is a sub-limit of the "Additional expenses" benefit in the insurance policy document. | 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 |
| Travel delay Note: This is a sub-limit of the "Additional expenses" benefit in the insurance policy document. | If your flight is 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 |
| Alternative transport Note: This is a sub-limit of the "Additional expenses" benefit in the insurance policy document. | 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 $2,500 | $200 |
Luggage and personal items cover
| 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:
| $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 | $0 |
| 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 |
Death, funerals and personal liability
| 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 $20,000 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 $20,000 | $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 $2.5 million | $0 |
What's not covered?
All insurance policies have details of when you will and won't get cover, so check the insurance booklet before you book a trip or make a claim. With Virgin Money credit card complimentary international insurance, some of the key situations that aren't covered include:
- If you don't follow advice from any government, official body or mass media announcements
- If the purpose of your trip includes getting medical treatment
- Kidnapping, ransom or hijacking
- Acts of war
- Dangerous activities, including rock climbing, white water rafting, bungy jumping, skydiving, water skiing, off-piste snow skiing or snowboarding, or for any professional sports
These are only a few examples of when you won't get cover under this policy. Check the Virgin Money credit card insurance policy booklet or call Allianz on 1800 072 791 for more details about exclusions.
Does Virgin Money credit card international travel insurance cover coronavirus?
No. Coronavirus is a pandemic and, like most travel insurance policies, this one does not offer cover for epidemics or pandemics.
We know how confusing the coronavirus situation can be, which is why Finder has a whole guide covering questions about this pandemic and travel insurance.
If you need cover for a skiing trip, bungy jumping or other overseas adventures, check out adventure sport travel insurance costs and conditions.
What do I need to do to I use Virgin Money credit card complimentary travel insurance?
If you're planning a trip and want cover through your Virgin Money credit card, you'll need to meet the following requirements:
- Travel bookings. Before you leave Australia, you need to book your overseas ticket using one or more of the following options:
- Pay for the overseas travel ticket with your eligible Virgin Money credit card.
- Use Velocity Points to book your overseas travel ticket.
- Redeem a Virgin Australia Gift Voucher for the overseas ticket.
- Length of travel. This cover is available if your trip is for 6 consecutive months or less.
- Account status. You need to have an active, eligible Virgin Money credit card in your name at the time of your booking.
Does Virgin Money credit card travel insurance cover family members?
Yes, your spouse and eligible 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 booking requirements as you
- They need to travel with you for at least 50% of the trip that you've got cover for
- Their trip is for 6 consecutive months, or less
They also need to meet the other conditions of the insurance policy. Keep in mind that some claims have different limits for a spouse or dependants compared to what you (as the primary cardholder) get.
Pre-existing medical conditions
A pre-existing medical condition can affect your travel insurance cover and usually refers to health conditions you've recently been treated for or manage on an ongoing basis.
With Virgin Money's complimentary international travel insurance, a limited number of pre-existing medical conditions are covered if you meet some very specific guidelines. Here, we've summarised the key details for conditions that are covered.
| 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 had an asthma attack (exacerbation) that needed treatment 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 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 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. |
| Hip/knee replacement | If the replacement surgery was more than 9 months ago and less than 10 years ago. |
| 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 (e.g. IVF). |
As with other details of the policy, remember to look at the insurance document for full details of cover for pre-existing medical 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 if I don't meet the requirements or have a different pre-existing condition?
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 will be covered, although additional fees may apply.
If you have a pre-existing condition that is not covered, it means you won't be able to make a claim for any issues that relate to it. This includes claims related to any physical, medical, mental or dental conditions you're aware of before you travel.
How to make a claim
First, contact Allianz as soon as anything happens by calling +617 3305 7499 from overseas or 1800 072 791 from Australia. They will be able to advise you on the claim or claims you want to make at the time.
You can then submit a claim online 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.
What to include in your claim
With insurance claims, including as much detail as possible makes it easier for the insurer to consider the claim and your eligibility for a payout.
So when you're travelling with this cover, aim to get as much written or photo evidence as you can for any claims 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 Virgin Money card insurance policy booklet – plus anything that could become supporting documentation for future claims.
Other types of Virgin Money complimentary credit card travel insurance
Overseas 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? If you have paid for the entire trip with your eligible Virgin Money credit card, Velocity Points, a Virgin Australia Gift Voucher or a combination of these options before you leave. If you've also paid for your partner or dependants and they're travelling with you for the whole trip, they'll get cover too.
- 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.
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. This can include costs relating to cancelled return flights, flight delays of 4 hours or more and delayed or lost luggage.
- When can I use it? You'll get cover for up to 14 days in a row if you have paid for the entire trip with your Virgin Australia Velocity High Flyer credit card, Velocity Points, a Virgin Australia Gift Voucher or a combination of these options. Your spouse and any dependants can also get cover if you use the same payment method for their return travel of 14 days or less and they will be with you for at least half the trip.
- Is there an excess cost? There is a $200 excess for claims that relate to cancellation or luggage. There are no excess costs for other claims but there are maximum claim amounts, which vary depending on the type of claim.
To make a claim under one of these policies, download a claim form online at https://claims.agaassistance.com.au/ or call Allianz on 1800 072 791.
Virgin Money credit card complimentary insurance for shopping
Virgin Money credit cards give you access to other types of insurance, which are 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 and items you've accidentally left in a hotel after checking out.
- When can I use it? If you use your Virgin Australia Velocity High Flyer credit card to pay for personal covered items worth up to $10,000 or business items worth up to $3,000, this insurance will apply for the first 90 days from when you get them.
- How can I make a claim? You need to show proof that you own the item and report the loss, theft or damage to the local police or relevant authorities (such as the office of a transport company) within 24 hours. Ideally, you should get written confirmation of this report. Then, call Allianz on 1800 072 791 or download a claim form online at https://claims.agaassistance.com.au/.
- Is there an excess cost? An excess of $100 per claim applies. There are also maximum claim amounts depending on the item, with a maximum of $200,000 for all claims in a 12-month period.
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 Virgin High Flyer credit card to pay for a personal item worth up to $20,000 or a business item worth up to $3,000. The item must have come with an Australian manufacturer's warranty of between 7 days and 5 years, and you can make a claim if something happens after the original warranty period has ended.
- How can I make a claim? Allianz on 1800 072 791 or download a claim form online at https://claims.agaassistance.com.au/.
- Is there an excess cost? An excess of $100 per claim applies. There is also a maximum limit of $20,000 for all claims in a 12-month period.
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 week later, you could claim the $100 difference.
- When can I use it? If you bought something in a store (not online) with your eligible Virgin Money credit card and then got a printed catalogue advertising it 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 and the catalogue needs to be for a store within 25km of where you bought the item.
- How can I make a claim? Allianz on 1800 072 791 or download a claim form online 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 Virgin Money credit cards or check out other cards that offer insurance.
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