Virgin High Flyer and Flyer Complimentary Travel Insurance

Virgin’s High Flyer and Flyer credit cards come with a range of complimentary insurance options, including cover for travel if you have a Virgin Australia Velocity High Flyer credit card. Provided by Allianz Global Assistance, this complimentary international travel insurance policy offers unlimited cover for medical expenses, lost, damaged or stolen personal or business belongings, cancelled travel arrangements, missed flights, personal legal expenses and rental vehicle excess charges.

Here we look at the features of Virgin’s credit card complimentary international travel insurance, including the benefit limits, eligibility requirements and travel extras you should know about before heading overseas. We’ve also included details of other complimentary insurance options you can get with eligible Virgin Money credit cards.

Which cards offer complimentary travel insurance?

The Virgin Australia Velocity High Flyer credit card offers complimentary international travel insurance, flight inconvenience insurance and transit accident insurance. It also comes with complimentary purchase cover, extended warranty insurance and a guaranteed pricing scheme.

While the High Flyer is the only Virgin Money credit card that offers international travel insurance, you can also take advantage of complimentary transit accident insurance with a Virgin Flyer credit card. As outlined below, this specific type of travel insurance provides you with cover for accidental death or injury whilst on a trip when you’re riding as a passenger or boarding/leaving a plane, tourist bus, train or ferry.

What are the eligibility requirements?

• Pay for your pre-booked, return overseas travel ticket with your Virgin High Flyer credit card to get up to six months complimentary international travel insurance. Cover is automatic from the date of departure on your travel ticket.
• This policy also offers coverage for your spouse and dependent children. To be eligible, they must also charge the cost of their tickets to your credit card and be travelling with your for the entire journey.
• Note that pre-existing medical conditions are not covered. You must apply for additional cover if you wish to include an existing medical condition within the policy benefits.

What is a pre-existing medical condition?

A pre-existing medical condition is defined as a condition you’re aware of before leaving on your trip, which you have received treatment or advice for in the past. Examples of pre-existing medical conditions as listed in the terms and conditions include mental disorders, anxiety, drug addiction and alcoholism.

How do I know if I’m covered and what I’m covered for?

1. Overseas travel and medical insurance. This policy gives you six months cover if you purchase an overseas return flight or 31 days cover if you’ve purchased an overseas one-way flight.

You’re covered for expenses including hospital and doctor’s costs, the cost of replacing your lost or stolen personal and business belongings, funeral expenses, legal liability expenses and the cost of making alternative travel arrangements if your plans change due to events out of your control.

2. Transit accident insurance. This policy covers you for injury or death when you’re riding in a passenger vehicle such as a plane, bus or ferry. Benefits cover the loss of senses and limbs as well as accidental death.

3. Rental vehicle excess cover. Cover for additional excess charges if you have an accident in a rental vehicle and you must make a claim under the rental vehicle insurance policy.

• Who is considered a spouse?

  A married or de facto partner who permanently resides with the cardholder.

• Who is considered a dependent child?

  Unmarried children up to the age of 18, or 21 if studying full time. A dependent child lives with the cardholder (when not at school) and is dependent on the cardholder for care.

How do I make a claim?

What are the inclusions and exclusions of Virgin High Flyer complimentary travel insurance?

Included medical benefits

Cancellation and additional expenses

Luggage and personal effects

Extra travel cover

Rental vehicle expenses

Accidental death, permanent disability and loss of income

Personal liability and legal expenses

Transit accident insurance

Interstate flight inconvenience insurance

Other Virgin Money complimentary insurance options

Depending on the Virgin Money credit card that you choose, you could also take advantage of a range of other complimentary insurance options.

Purchase cover

This insurance will replace lost, stolen or damaged items you’ve purchased with your Virgin High Flyer credit card anywhere in the world.

• You can claim up to $10,000 for jewellery, watches and fine art.
• This insurance is capped at $200,000 in 12 months per account.
• You must pay a $100 excess if you want to make a claim.

What types of purchases aren’t covered?

Covered purchases include business effects and personal items. The following items are excluded from cover:

• Items purchase for sale or for trade
• Animals and plant life
• Computer software and other non-tangible items
• Cash, gold, trading cards, lottery tickets, gambling items, travellers cheques and collectors items such as stamps or coins
• Perishable items
• Motorised vehicles
• Second-hand items
• Contraband
• Real estate and movable fixtures and fittings

Extended warranty

Extended warranty cover is a feature of the Virgin High Flyer credit card. This insurance automatically doubles the Australian manufacturer’s warranty up to one year. The extended warranty benefit is capped at $20,000 per 12 month period and the excess is $100.

Guaranteed Pricing Scheme

Guaranteed Pricing Scheme insurance will refund you the difference in price if you buy an item with your eligible Virgin credit card and you find the item on sale for a cheaper price later.

You have to make a claim within 60 days of purchasing the original item, it must be on sale within 25kms of the original place of purchase and the difference in price must be greater than $75. You also must pay a $100 excess if you want to make a claim.

If you have a Virgin High Flyer credit card, the complimentary insurance could be a convenient way to receive cover and cut costs when planning your next overseas trip. As the travel insurance only provides basic cover, it’s important to compare your options before you apply. As activities such as snow sports and rock climbing are not covered, you might want to compare comprehensive cover for more options.

Frequently Asked Questions

• Who provides this insurance policy?

  Virgin’s complimentary travel insurance is provided by Allianz Global Assistance. Before May 2016, this insurance was provided by Zurich.

• How do I contact the insurer?

  Call Allianz Global Assistance on 1800 072 791 for questions about pre-existing medical conditions, benefits and information on making a claim. Call +61 7 3305 7499 if you’re overseas.

• What are the policy exclusions?

  The following policy exclusions apply:

  • Pre-existing medical conditions are not covered unless you’ve sought prior approval.
  • There is a $250 limit on claims for property left unattended in a motor vehicle.
  • You’re not insured for travel booked against medical advice, medical tourism, if you’ve been told you’re terminally ill or if you don’t follow a travel advice warning from a government or official body.

• What if I need to claim insurance for a date before 1 May 2016?

  You have 30 days to contact the insurer following your return to Australia if you want to make a claim. If you have a claim from before 1 May 2016, you’re ineligible to claim a benefit.

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