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Instead, you can use this guide to find credit card travel insurance that’s right for you by looking at the key details for each policy. Want to know how to use credit card travel insurance and who it will cover? What about the age limits and other restrictions that may apply? We explain how it all works here. We also look at the potential costs of the complimentary insurance and other factors to consider when you compare credit cards with complimentary travel insurance so you can find an option that works with your travel plans.
Eligibility criteria, terms and conditions, fees and charges apply
Earn up to 130,000 bonus Qantas Points, take advantage of complimentary overseas travel insurance and a 24/7 concierge service.
Most credit cards that offer complimentary travel insurance require you to activate the policy in some way before you’ll be eligible for cover when you travel. Usually this is a simple process that requires you to meet a couple of requirements before you go overseas. The most common requirements for policy activation include:
Usually, having a return travel ticket and paying for some or all it using the credit card that offers travel insurance will activate the policy. But as the requirements do vary, it’s worth checking with individual credit cards before you apply so that you’re clear on what you need to do to use this insurance.
Compare credit cards that include travel insurance
As long as you meet the activation and eligibility requirements, complimentary travel insurance always covers the primary cardholder. Most policies also offer cover for your spouse and dependent children when they meet eligibility requirements, which typically include some or all of the following:
If you have a personal credit card, you can usually only get complimentary travel insurance for an eligible spouse and dependent children. If you want to cover people other than this, you could consider the following options:
Whether your cover comes through a credit card or you buy it outright, it’s more likely you’ll face restrictions if you’re over 65 or have a pre-existing medical condition. Here are the key details for credit cards.
Most complimentary credit card travel insurance policies cover people up to the age of 79. However, some restrictions may come into effect earlier than that depending on the card and your circumstances.
For example, if you’re under 50 years of age and have been diagnosed with diabetes or glucose intolerance, there is a variation for the cover you could get with a Bankwest credit card. Read our guide on credit card insurance and age limits for more information.
Complimentary credit card travel insurance policies have limitations around pre-existing medical conditions, with some conditions excluding you from cover. This term covers conditions you are currently being treated for or have been diagnosed with by a professional prior to the start of your trip, with common examples including:
Depending on the condition, you may still be able to get coverage for any unexpected events that relate to it – for example unforeseen issues during pregnancy. Some policies will also outline specific coverage options for different pre-existing conditions, including coverage if you pay an additional fee to upgrade the policy.
Note:
Remember to also take down details of any conversation you have with the insurance provider so you can refer to it later if you need to make a claim.
While complimentary travel insurance gets you out of paying a premium for your overseas cover, there are still costs to consider before choosing a credit card that includes this perk. The key charges to look for are:
Any claims you make on your complimentary credit card travel insurance must be submitted to the insurance company (not your credit card provider). Allianz, Chubb and QBE are the three main companies that underwrite credit card travel insurance. Your credit card insurance product disclosure statement will provide details of this arrangement and how you can make a claim or enquiry for your cover.
While your priority could be to get travel insurance through a credit card, it’s essential that you also compare other features of the credit card. Even if you travel regularly, these features usually have a greater impact than the travel insurance:
Complimentary credit card travel insurance is a popular feature that has the potential to add hundreds of dollars of value to your card – if you can find the right policy for you. Looking at the activation requirements, the people eligible for cover, the age or medical limitations and the other features of the credit card will help you decide which credit card with complimentary insurance offers the most value and coverage for your needs.
Pictures: Shutterstock, Pexels
* The products compared on this page are chosen from a range of offers available to us and are not representative of all the products available in the market. There is no perfect order or perfect ranking system for the products we list on our Site, so we provide you with the functionality to self-select, re-order and compare products. The initial display order is influenced by a range of factors including conversion rates, product costs and commercial arrangements, so please don't interpret the listing order as an endorsement or recommendation from us. We're happy to provide you with the tools you need to make better decisions, but we'd like you to make your own decisions and compare and assess products based on your own preferences, circumstances and needs.
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Why isn’t BankWest’s Zero Platinum credit card on here? It offers a credit card with no fees, gives complimentary travel insurance, and no international transaction fees (none of the credit cards above offer that). It’s arguably the best credit card for travelling in overseas if you’re after a credit card with no fees. ING One Platinum also offers complimentary travel insurance, no international transaction fees, but costs $149 per year.
Hi James,
Thanks for your comment.
Yes, Bankwest Zero Platinum Mastercard indeed doesn’t incur fees when you use it overseas plus no annual fee on the card. Although we feature a wide range of products, providers and services, we don’t cover every product, provider or service available in the market so there may be other options available to you. You can check out more about Bankwest Zero Platinum Mastercard here while ING Orange One Platinum review can be found on this page.
Hope this helps.
Cheers,
May
Am I covered for complimentere travel insurance with a Coles platinum credit card?
Hi Arthur,
Thank you for your comment.
Per checking, the platinum versions of the Coles Mastercard does not have a complimentary travel insurance. To check, kindly refer to the pages below:
– https://www.finder.com.au/coles-low-rate-mastercard
– https://www.finder.com.au/coles-rewards-credit-card
– https://www.finder.com.au/coles-no-annual-fee-mastercard
Regards,
Jhezelyn