Failure to comply
Failure to comply with any of these conditions relevant to your claim may result in a refusal of your claim or a reduction in the amount payable to you.
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Westpac offers complimentary travel insurance on a range of personal and business credit cards, including black and platinum accounts. Some cards also offer complimentary insurance for eligible items you buy with your card. These policies are underwritten by Allianz Australia Insurance Limited (Allianz).
As with any insurance policy, there are boxes you need to tick to get cover – including choosing an eligible Westpac credit card. That's why it's important to read the policy booklet (available on the Westpac website). But if you're just after a snapshot, below we've covered some of the key details about what cards offer cover, the type of cover available and when you'll get it.
Where the term "Black Cards" appears, it refers to the following eligible Westpac credit cards:
|Platinum Plus Cards|
Where the term "Platinum Plus cards" appears, it refers to the following eligible Westpac credit cards:
|Platinum A Cards|
Where the term "Platinum A cards" appears, it refers to the following eligible Westpac credit cards:
|Platinum B Cards|
Where the term "Platinum B cards" appears, it refers to the following eligible Westpac credit cards:
Where the term "Gold Cards" appears, it refers to the following eligible Westpac credit cards:
The following Westpac business credit cards also offer complimentary insurance:
Cardholders with an eligible Westpac credit cards can get complimentary overseas travel insurance when they satisfy these requirements:
If you’re eligible for this complimentary insurance, your spouse or dependent child will also qualify for coverage if they satisfy these four requirements:
(Black cards, Platinum Plus cards and Platinum A cards)
|1. Medical and hospital expenses incurred overseas||Unlimited, except emergency dental is limited to $2,000 per person and bed care patient allowance is limited to a total of $15,000 ($100 per day on miscellaneous expenses such as phone calls and TV rental).|
|2. Loss or damage to personal property||Up to $20,000 per person and $30,000 per family, except property and personal goods left unattended in a motor vehicle are only insured up to $5,000 in total.|
|3. Clothing and personal valuables||Up to $5,000 per item.|
|4. Portable electrical equipment and binoculars||Up to $5,000 per item.|
|5. Cameras and associated equipment/ accessories||Up to $5,500 per item.|
|6. Laptop computers and associated equipment/ accessories||$5,500 in total.|
|7. Travel documents, travellers’ cheques, credit cards, cash etc.||Up to $550 per person and $1,250 per family.|
|8. Emergency replacement of your clothes and toiletries||Up to $800 per person and $1,600 per family. Note: Does not cover items used for any business purpose or purchased in a business name.|
|9. Unexpected cancellation of travel arrangements and other unexpected expenses||Unlimited for covered events, except: A travel agent’s cancellation fee, which is limited to the lesser of $500 or 15% of the travel value arranged.|
|Cover for the financial insolvency or financial collapse of a licensed service provider||Limited to $5,000 per person and $10,000 per family.|
|10. Resumption of journey following the death of a relative||Up to $5,750 per person and $12,500 per family.|
|11. Special event||Up to $3,750 for reasonable costs of arranging alternative transport to attend a special event.|
|12. Rental vehicle excess||Up to $5,500.|
|13. Travel delay||For reasonable additional meal and accommodation costs after a 6 hour delay, up to $500 per person and $1,100 per family.|
|14. Funeral expenses||Unlimited|
|15. Accidental death||In the event of accidental death which is not covered under the "Transit accident insurance policy", $50,000 per cardholder and $25,000 for a spouse or dependent child/children to a maximum of $150,000 per family.|
|16. Legal liability||Limit of $2,500,000.|
|17. Loss of income||Up to 12 consecutive weeks cover limited to $1,000 per person per week and a maximum of $12,000 in total.|
|18. Domestic Pets Boarding||Up to $50 per 24-hour period and a maximum of $500.|
|19. Assault requiring hospitalisation||Limit of $500.|
|20. Hijack and detention||Up to $250 per person per 24-hour period and a maximum of $20,000 per family.|
|21. Kidnap and Ransom||Up to $100,000.|
Note: If you have a Westpac Gold, Platinum B or Business credit card, some claim limits will be different to those in the table above. Please refer to the relevant complimentary credit card insurance policy document available on the Westpac website. Alternatively, you can contact Allianz Global Assistance on 1800 091 710 or by emailing firstname.lastname@example.org.
Generally, you will not be covered for:
All other general exclusions, as well as specific exclusions applicable to your type of cover, can be found in your policy.
According to the policy booklet, a pre-existing medical condition refers to any existing medical condition (including but not limited to mental disorder, anxiety, alcoholism, drug addiction or pregnancy and/or any chronic or ongoing physical, medical or dental condition), for which investigation (whether or not a diagnosis has been made),where treatment or advice has been received, or medication prescribed or taken at any time before you obtained your return overseas travel ticket or after you obtained your return overseas travel ticket, but prior to the commencement of your journey.; or This definition also applies to any complication arising from any such condition. outlined above, except Note that unexpected/unforeseen events relating to pregnancy are not regarded as pre-existing medical conditions.
Subject to the respective requirements stated below, these conditions are covered:
|Acne||You have not required treatment by a medical practitioner in the last three months.|
|Allergies||The condition has not required treatment by a medical practitioner in the last 9 months and you have no known respiratory conditions, e.g. Asthma.|
|Asthma||There has been no exacerbation requiring treatment by a medical practitioner in the last 12 months.|
|Cataracts / Glaucoma||You have no ongoing complications, are not on any waiting list for an operation and have not been operated on in the last two months.|
|Coeliac Disease||The condition has not required treatment by a medical practitioner in the last six months.|
|Diabetes / Glucose Intolerance||You were diagnosed more than 12 months ago and have not had any complications in the last 12 months. You must also have a blood sugar level reading between 4 and 12, or a HbA1C score of 9% or less, and must also not be currently undergoing treatment for kidney, eye or nerve complications.|
|Ear Grommets||You must not have a current infection.|
|Epilepsy||There are no underlying medical conditions (e.g. previous head trauma, stroke) and you have not required medical treatment for a seizure in the last two years.|
|Gastric Reflux||The condition does not relate to another underlying diagnosis (e.g. Hernia, gastric ulcer).|
|Gout||Your gout condition has remained stable for the last nine months.|
|Hiatus Hernia||No surgery is planned.|
|Hip / Knee Replacement||The hip or knee replacement was performed more than nine months ago and less than 10 years ago.|
|Hypertension (High Blood Pressure)||You have no known heart conditions and your current blood pressure reading is lower than 165/95.|
You can apply for coverage of a pre-existing medical condition by contacting Allianz before departing on your journey by calling 1800 091 710 (Monday to Friday, 8am to 8pm AEST), or by completing an online assessment. If approved, you will be charged an administration fee will apply of $75 for phone applications or $45 for online applications. You will then receive confirmation outlining the pre-existing medical condition you are covered for, the period of cover, and any special conditions or exclusions which apply to the cover.
Providing you meet the eligibility requirements outlined above, you automatically qualify for complimentary overseas travel insurance through your card. Similarly, your spouse and any dependent children will be covered as well if they meet the requirements listed above.
You are covered from the time you become eligible up until your journey ends. The maximum coverage is six months for Black cards, Platinum Plus cards, Platinum A cards and Altitude Business Platinum cards, and three months for Platinum B cards, Gold cards, BusinessChoice Rewards cards and Altitude Business Gold cards. If your return to Australia is delayed due to covered events, coverage is automatically extended for up to four weeks.
Apart from overseas travel, this policy also covers you when:
There are three ways to make a claim with Allianz:
Use the following policy numbers when making a claim:
|Insurance product||Policy number|
|Overseas travel insurance for persons up to and including 80 years of age||WP01000001-00|
|Interstate flight inconvenience insurance||WP01000002-00|
|Transit accident insurance||WP01000004-00|
|Purchase security insurance||WP01000005-00|
|Price guarantee cover||WP01000006-00|
|Extended warranty insurance||WP01000007-00|
|Rental vehicle excess in Australia insurance||WP01000009-00|
In the event of a claim, you must:
Failure to comply with any of these conditions relevant to your claim may result in a refusal of your claim or a reduction in the amount payable to you.
If you face an emergency, contact Allianz immediately. In Australia, you can contact them on 1800 227 773. If you’re overseas you can call +61 7 3305 7468 or email email@example.com. Allianz also has local numbers for many countries, as well as the following Australian phone numbers for Westpac cardholders:
For Black cardholders: 1300 651 999 (Westpac)
For Platinum Plus or Platinum A or Platinum B cardholders: 1300 859 100 (Westpac)
For Gold cardholders: 1300 651 089 (Westpac)
For Business cardholders: 1300 651 089 (Westpac – for copies of the insurance policy document)
You may also want to contact Allianz, visit its website or refer to your Westpac credit card insurance booklet for details of local numbers when you are overseas.
This page is a summary of Westpac’s complimentary insurance policy. Please bear in mind that the available cover may vary between individuals, so you should contact Westpac or Allianz directly to discuss any specific enquiries. Please also see the Policy Disclosure Statement (PDS) for a full overview of the policy inclusions and exclusions, and to confirm your coverage.Back to top
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