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?
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||Domestic travel insurance||Rental vehicle excess insurance in Australia||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||Claim limit||Excess payment (per claim)|
|Overseas emergency assistance||Unlimited||$0|
|Overseas emergency medical||Unlimited except for emergency dental||$400|
|Overseas emergency dental expenses due to sudden, acute pain (toothache)||$2,000 per person||$400|
|Hospital cash allowance||$100 per day up to a maximum total limit of $15,000 for a cardholder travelling with their spouse and/or dependants||$200|
|Loss of income||Your verified income per person per week, up to a maximum total limit of $13,000 for a cardholder and spouse||$0|
|Assault requiring hospital admission||$500 per person||$0|
|Permanent disability||$50,000 for a cardholder travelling with their spouse and/or dependants||$0|
Cancellation, delays and transport
|Benefit||Claim limit||Excess payment (per claim)|
|Cancellation (specific situations only)||Up to a maximum total limit of $50,000 for a cardholder or spouse (dependants are included in the limit available to the cardholder or spouse) except:|
Travel agents cancellation fees:
Rescheduling your journey:
Up to a maximum total limit of $250 per person for reasonable internet use and telephone expenses to reschedule your journey.
|Rental vehicle excess||Rental vehicle damage or theft:|
Up to a maximum total limit of $10,000 per cardholder or spouse and/or dependants
Return of rental vehicle:
Note: This benefit has different sub-limits based on the situation, which we have listed separately.
|Unlimited, except for specific sub-limits (e.g. return home and resumption of journey)||$400|
|Return home and resumption of journey (including following the death of a relative)|
Note: This is a sub-limit of the "Travel delay expenses" benefit in the insurance policy document.
|Up to a maximum total limit of $5,000 for a cardholder travelling with their spouse and/or dependants||$0|
|Travel delay expenses||After 6 consecutive hours of delay, up to $500 per person for meal and accommodation expenses, up to a maximum total limit of $2,000 for a cardholder travelling with their spouse and/or dependants||$0|
|Alternative transport expenses||Up to $3,250 for a cardholder travelling with their spouse and/or dependants||$400|
|Withdrawal of services||$50 per person per 24 consecutive hours, up to a maximum total limit of $500 for a cardholder travelling with their spouse and/or dependants||$0|
|Domestic pet accommodation||Up to a maximum total limit of $500 for a cardholder travelling with their spouse and/or dependants||$0|
|Emergency accommodation due to terrorism||Up to $300 per person, per day, up to a maximum total limit of $3,000 for a cardholder travelling with their spouse and/or dependants||$0|
Luggage and personal items cover
|Benefit||Claim limit||Excess payment (per claim)|
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.
|Up to a maximum total limit of $15,000 for a cardholder travelling with their spouse and/or dependants subject to the following limits:||$400|
|Travel documents, transaction cards and traveller's cheques||Up to a maximum total limit of $5,000 for a cardholder travelling with their spouse and/or dependants||$0|
|Luggage delay||Up to $500 per person after a delay of 10 consecutive hours, an additional $1,000 after a delay of 72 consecutive hours, up to a maximum total limit of $1,500 for a cardholder travelling with a spouse and/or dependants||$0|
|Replacement sporting equipment||Up to a maximum total limit of $200 for a cardholder travelling with a spouse and/or dependants||$0|
Death, funerals and personal liability
|Benefit||Claim limit||Excess payment (per claim)|
|Accidental death||$50,000 per cardholder|
$50,000 per spouse
$25,000 per dependant
Up to a maximum total limit of $150,000
|Funeral expenses||Up to $60,000 per cardholder or spouse and/or dependants||$0|
|Personal liability||Up to $2.5 million per cardholder or spouse and/or dependants||$0|
|Hijack||Up to a maximum total limit of $10,000 for a cardholder travelling with their spouse and/or dependants||$0|
|Legal expenses||Up to a maximum total limit of $15,000 per cardholder or spouse and/or dependants||$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 travel 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
- Participation in criminal or illegal acts
- Acts of war
- Dangerous activities, including rock climbing, white water rafting, bungee 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 the exclusions.
Does Virgin Money credit card international travel insurance cover COVID-19?
Yes, for claims made on or after 1 November 2023 there is some cover related to COVID-19. This includes:
- Overseas emergency assistance
- Overseas emergency medical
- Additional expenses
To make a claim, you need to be positively diagnosed with COVID-19 (or another pandemic/epidemic disease) and meet all the other requirements for a claim. This also extends to an eligible spouse or dependants travelling with you – but won’t apply if you’re travelling against government advice. As there are lots of conditions to meet for this type of cover, make sure you read the policy booklet or call Allianz on 1800 072 791 before you travel.
If you need cover for a skiing trip, bungee jumping or other overseas adventures, check out adventure sport travel insurance costs and conditions.
What do I need to do to 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:
- Spend at least $500 on your prepaid travel costs using your Virgin Money Velocity High Flyer Card.
- Use Velocity Points to book your overseas travel ticket.
- Redeem a Virgin Australia Gift Voucher for the overseas travel 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 be an Australian resident or a holder of a visa issued under
the Migration Act 1958 (Cth)
- They need to travel with you for at least 50% of the trip that you've got cover for
- They need to have a return overseas travel ticket before leaving Australia
- They need to be under 81 years of age at the time they became eligible for the cover
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, you can only get cover for a pre-existing medical condition if you apply and get written confirmation from Allianz Global Assistance.
You can do this online or by calling Allianz on 1800 072 791 before you go overseas. If your request is approved, you’ll need to pay a $75 administration fee and will then be sent written confirmation that your pre-existing condition is covered.
This policy offers limited cover for pregnancies, but the amount and type of cover varies.
For example, if you become pregnant after booking your trip and meeting the eligibility requirements for this cover, you’ll be able to get cover for any complications of your pregnancy that arise from injury or sickness.
There is no cover for childbirth, except if it is the result of injury or sickness. If you are pregnant or planning for pregnancy, make sure you check the insurance policy or contact Allianz directly for full details on cover.
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
Domestic travel 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 28 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 28 days or less and they will be with you for at least half the trip.
- Is there an excess cost? There is a $75 excess for claims that relate to additional expenses. There are no excess costs for other claims but there are maximum claim amounts, which vary depending on the type of claim.
Rental vehicle excess insurance in Australia
- What is it? Cover for damage or theft of a hire car, up to a maximum total of $10,000.
- When can I use it? When you’ve used your eligible Virgin Money credit card to pay for the full cost of the car hire.
- Is there an excess cost? $100 per 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. Here’s a basic explainer of each one:
- Purchase protection insurance: Offers cover for up to 90 days when you purchase new items with your eligible Virgin Money credit card and they are then stolen, accidentally damaged or lost. It covers household and personal items such as shoes, jewellery, glasses and new works of art.
- Extended warranty insurance: This cover doubles a manufacturer's warranty, up to a maximum period of 12 months, for eligible items bought with your card in Australia.
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