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This page is a summarised guide to Westpac credit cards’ complimentary insurance policy, which is provided by Allianz Australia Insurance Limited. All claims and enquiries relating to the insurance should go through Allianz, rather than Westpac. You can also refer to the Consumer Cards Complimentary Insurance Policy Disclosure Statement (PDS) and Information Booklet, or the Business Credit Cards Complimentary Insurance Policy booklet – both of which are available on the Westpac website – for a full overview of your policy inclusions and exclusions.
Card Category | Card |
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Black Cards Where the term "Black Cards" appears, it refers to the following eligible Westpac credit cards: |
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Platinum Plus Cards Where the term "Platinum Plus cards" appears, it refers to the following eligible Westpac credit cards: |
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Platinum A Cards Where the term "Platinum A cards" appears, it refers to the following eligible Westpac credit cards: |
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Platinum B Cards Where the term "Platinum B cards" appears, it refers to the following eligible Westpac credit cards: | |
Gold Cards Where the term "Gold Cards" appears, it refers to the following eligible Westpac credit cards: |
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Business Cards The following Westpac business credit cards also offer complimentary insurance: |
Benefits and features of Westpac credit cards
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:
Benefit | Limits (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 A$5,000/item | 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.
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Cover for the financial insolvency or financial collapse of a licensed service provider is 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 six 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, the claim limits may 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 travelclaims@allianz-assistance.com.au.
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:
Condition | Requirement |
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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:
In the event of a claim, please contact Allianz directly.
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 travelclaims@allianz-assistance.com.au. 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.
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I am a holder of a Westpac Altitude Platinum Credit Card.
On the 24/8/19 I will be travelling with my wife to Italy and Hungary until 14/9/19.
On the 19th of August I will be 81 years old.
Am I cover through the Westpac Credits Cards Complimenatry Insurance Policy with Allianz Insurance?
I have already paid tickets, hotels etc using the card $ 3500 for myself.
I would appreciate your advise.
Thank you
Hi Albert,
Thanks for contacting Finder.
You are eligible for a complimentary overseas travel insurance if you meet the requirements below.
– You are not over 80 years of age when you first qualify for coverage by meeting the three conditions above.
– You permanently reside in Australia, or you currently reside in Australia and hold a valid 457 Visa.
– You spend $500 or more on prepaid travel costs (e.g. return travel ticket, airport or departure taxes, prepaid overseas accommodation or travel itinerary items) before departing Australia, and charge these costs to your eligible Westpac credit card.
– You have a return overseas travel ticket before leaving Australia.
I’m afraid you can’t take advantage of the complimentary overseas travel insurance since you’ll be travelling at 81 yrs old. Here is a handy link to check out a list of Travel insurance for seniors over 80. You may compare each brand through its policy type at maximum age. If you want to know more about the policy click the ‘Get quote’ button.
Please ensure you review the relevant PDS/T&C when comparing your options.You can also contact the provider if you have specific questions.
I hope this helps.
Kind Regards,
Faye
Hi,
Looking to book a holiday to Hong Kong with my husband. Our hotel will come to just under $1,000 which we will be prepaying. Just wondering for him to be covered by insurance, is it $500 each I need to spend (so $1,000 in total) or does $500 satisfy for both of us?
The wording of the policy isn’t very clear.
Also, would I be able to prepay through paypal?
Thanks,
Emma
Hi Emma,
Thank you for getting in touch with finder.
Regarding your enquiry, please note that your dependent, your husband, must spend $500 or more on prepaid travel costs (e.g. return travel ticket, airport or departure taxes, prepaid overseas accommodation or travel itinerary items) before departing Australia, and he charges these costs to your eligible Westpac credit card to be covered.
You must pay directly using your Westpac credit card and meet the eligibility requirements outlined in this page to be eligible for this complimentary insurance.
I hope this helps.
Please feel free to reach out to us if you have any other enquiries.
Thank you and have a wonderful day!
Cheers,
Jeni
My question is in relation to Westpac black card. While travelling within Australia, is there a minimum spend on card towards the trip before you leave to qualify for the travel insurance? Specifically car hire insurance?
Hi Sal,
Thank you for getting in touch with finder.
As per Westpac, domestic trips are not covered with the complimentary travel insurance however they have this “interstate flight inconvenience insurance policy” that would cover you. It doesn’t require any minimum spend to qualify for this policy, also your return flights must be charged to your Westpac credit card. You’ll be covered up to 14 days of your domestic trip.
I hope this helps.
Please feel free to reach out to us if you have any other enquiries.
Thank you and have a wonderful day!
Cheers,
Jeni
Am I correct to assume that the damage waiver cover can replace the damage waiver insurance usually offered by the car rental companies? i.e. excess damage cover?
Hi Digger,
Thanks for getting in touch with finder.
The answer to your question is yes. However, in most cases, the damage waiver cover of car rental companies may not be enough to cover all your expenses. As mentioned on this page, “Car rental companies will typically offer their customers excess reduction cover, which can also be referred to as an excess waiver or damage waiver. This type of policy, as the name suggests, reduces the amount of excess you will have to pay in the event that your rental car is damaged. While this reduces your excess from a significant amount to something much more manageable, you could still have to pay an excess of up to $1,000. ”
I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.
Have a wonderful day!
Cheers,
Joshua
I am going overseas and have an altitude black card and near the end of the trip I will turn 81 will I be covered up to my 81 birthday?
Will my wife be covered for the whole trip
Can I extend my cover for the remaining part of the trip by payment . ?
I am in good health and comply with the other requirements.
Hi John,
Thank you for reaching out to us and for the following questions:
1. For our overseas trip, as at the end of our trip I will be turning 81, will I be covered up to my 81 birthday?
– Yes, you are still eligible for the Complimentary Travel Insurance of your Westpac Altitude Black Credit Card even though you are turning 81 towards the end of your trip. It says in the T&Cs that you are not over 80 years of age when you first become eligible and met the first 3 conditions listed above.
2. Will my wife be covered for the whole trip?
– Yes, that is if your wife will also meet all the criteria mentioned above under “Spouse and dependent children” section.
3. Can I extend my cover for the remaining part of the trip by payment?
– The Terms and Conditions specified that for Black cards, Platinum Plus cards and Platinum A cards, Allianz Global Assistance will provide you cover for six months or until you return to your home in Australia, whichever occurs first. So, if ever you will still be overseas after 6 months, then you can take out a separate insurance for your trip.
I hope this helps.
Please do not hesitate to reach out to us again if you have additional questions.
Cheers,
Ash
My husband turned 80 in May 2017. Is that considered over 80.?
How do we notify Westpac of our travel itinerary?
Hi Denise,
Thanks for your inquiry
Technically, your husband is still 80 years old until he turns 81. So no, he’s not over 80. Regarding you itinerary, I would suggest visiting Westpac’s website. There is a section on how to inform them of your travel. Or you may call them during regular banking hours.
Hope this information helps
Cheers,
Arnold
Hi I have an altitude black card from Westpac. Am I covered for a 5 day domestic trip, including rental car excess? Where do I find the eligibility criteria they refer to?Thanks
Hi Tim,
Thank you for your inquiry.
The Altitude Black comes with a range of complimentary insurances including overseas travel insurance, transit accident insurance, purchase security insurance and extended warranty insurance. Please check further information here.
I hope this information has helped.
Cheers,
Harold
I purchased flights to Thailand for myself and my family (wife and 2 daughters aged 10 and 18) using my Westpac Platinum Visa card. The tickets were purchased through Webjet using my Card and Paypal. Is the complimentary Travel insurance still provided? Thank you
Hey Ron,
Thank you for reaching out to us.
You’d need to present evidence of your intended flight being purchased with your credit card.
That along with the other eligibility requirements found on this page.
The contact numbers of QBE, their insurance provider, is also provided further down the page.
It’s best to read the eligibility criteria, requirements, details, as well as the relevant Product Disclosure Statements/ Terms and Conditions of the insurance cover and consult your concerns directly with the insurer.
I hope this helps.
Best,
Maria
Me and my wife have booked for Bali but my wife’s sister has had a brain tumour regrowth and things aren’t looking very good do you think I can claim I paid with my westpac black card
Thank you
Hi Mike,
Thanks for your comment.
Unfortunately, pre-existing medical conditions are not automatically covered by this travel insurance. You may be able to get cover for some conditions by contacting QBE and discussing your circumstances. The Westpac credit cards’ complimentary insurance policy is provided by QBE Insurance.
Regards,
Jhezelyn
is my wife covered as she has a pacemaker.
Hi Ken,
Thanks for your inquiry.
Sometimes the insurer will cover your wife for the trip as long as she agrees that she wouldn’t be covered for arrhythmias. But I would suggest speaking with the insurer directly to confirm if she will be covered.
Hope this information helped.
Cheers,
Arnold