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Credit Cards with Free Travel Insurance

Compare credit cards with complimentary insurance for domestic and overseas travel including your luggage and car rental.

Receive 100,000 points when you apply online, are approved and spend $1,500 on your card within the first 3 months. Conditions apply.
A complimentary domestic return flight every year with travel insurance and entry into Virgin Australia Lounges.
Good points earning rates. Up to 1.5 points per dollar spent on purchases with Virgin Australia. 1 pt per $1 spent elsewhere.
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international travel insurance
interstate flight inconvenience
personal item theft cover
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ANZ Frequent Flyer Black Credit Card
APPLY BY 30 jun 17
15 reviews
75,000 points when you spend $2,500 in 3 months.
$0 p.a. Annual fee for the first year.
75 Bonus Status Credits when you book and fly return with Qantas by 30 Sep 2017.
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Receive 50,000 points when you apply online, are approved and spend $1,500 on your card within the first 3 months. Conditions apply.
Receive a $400 Travel Credit each year towards any flights, hotels and car hire when you book online with this card.
Enjoy up to two entries per year to the American Express Lounge.
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American Express Velocity Platinum Credit Card
APPLY BY 31 jul 17
9 reviews
Receive 100,000 points when you apply online, are approved and spend $1,500 on your card within the first 3 months. Conditions apply.
A complimentary domestic return flight every year with travel insurance and entry into Virgin Australia Lounges.
Good points earning rates. Up to 1.5 points per dollar spent on purchases with Virgin Australia. 1 pt per $1 spent elsewhere.
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St.George Vertigo Platinum Credit Card
APPLY BY 20 sep 17
6 reviews
0% p.a. for 20 months on balance transfers.
Complimentary insurance for overseas travel for 6 months.
Low ongoing purchase interest rate of 12.74% p.a.
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HSBC Platinum Credit Card
APPLY BY 31 aug 17
13 reviews
0% p.a. on balances transferred for 22 months, with a 2% balance transfer fee.
Earn 1 Rewards Point per $1 spent.
Annual fee refunded – a potential saving of $99 a year (conditions apply)
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0% p.a. for the first 16 months on balance transfers with a 2% balance transfer fee. Reverts to 21.74% p.a.
Up to 55 days on purchases.
$99 p.a. Annual fee.
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$0 p.a. annual fee for the first year, then $195 p.a.
0% p.a. for 12 months for balance transfers and a one-off credit plan establishment fee of 1%.
Start your holiday with a $200 Travel Credit every year.
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Suncorp Platinum Credit Card
APPLY BY 31 jul 17
4 reviews
5% cashback on all retail purchases for the first 3 months (up to $250 cashback).
0% p.a. on balance transfers for 18 months.
Earn rewards points at 1.25 pt per $1 spent on Eligible Transactions.
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Citi Qantas Signature Credit Card
Receive 50,000 points when you spend $2,000 in 90 days from card approval.
0% p.a. for 6 months on balance transfers.
An annual fee of $199 p.a.
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Earn 55,000 points when you apply online as a new Card Member, are approved and spend $1,500 in 3 months of Card Membership.
Earn 1.5 pts per $1 spent on card purchases.
0% p.a. for 12 months
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25,000 points when you spend $2,500 in 3 months.
$0 p.a. Annual fee for the first year.
Complimentary Qantas Frequent Flyer membership.
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100,000 Velocity Points
Receive 100,000 points when you apply online by 31st July 2017, are approved and spend $1,500 on your card within the first 3 months for New Card Members and bank-issued Amex companion cardholders.
Good points earning rates. Up to 1.5 points per dollar spent on purchases with Virgin Australia. 1 pt per $1 spent elsewhere.
1 x complimentary Virgin Australia return domestic flight every anniversary year.
2 complimentary single entry passes to the domestic Virgin Australia lounge each year at selected airports.
Complimentary domestic and international travel insurance.
No extra cost for additional card holders.

This introductory offer is available to new American Express Card Members only.

 

Q&As about Travel Insurance from Customers

Q: Do all credit cards have complimentary travel insurance cover?

No. The higher your annual fee, the more likely it is that your card will have travel insurance. Rewards points and frequent flyer points cards also tend to have travel insurance since many of the points redemption options involve travel. But cards with a lower, or zero, annual fee may not have any travel insurance benefits.

Q: What is covered by my credit card travel insurance policy?

You will need to read the details in the product information booklet (either a printed copy or a downloaded PDF file) to find out exactly what is covered, and what the payout limits and conditions are. Some of the items commonly covered are:

  • Emergency medical expenses while travelling overseas
  • Loss, theft and damage cover for luggage and other personal belongings
  • Compensation for unavoidable trip cancellation or missed connections
  • Compensation for delay, e.g. delayed flights
  • Car rental insurance excess waiver (mostly while overseas only, but some policies cover this in Australia as well)
  • Accidental death or permanent disability, loss of income
  • Personal liability while travelling
Q: Who is covered by my credit card travel insurance policy?

Again, this varies from card to card. The primary cardholder is invariably covered if there is a travel insurance policy in place. The vast majority of policies (but not all of them) also cover the cardholder’s spouse and children when accompanying the cardholder, provided the policy activation conditions have been met for all persons travelling. Many cards also have cover for supplementary cardholders, which means that a spouse who is a supplementary cardholder is still covered, and children accompanying the spouse are still covered, when travelling without the primary cardholder. Accompanying extended family members, such as parents or siblings, would not be covered (unless they were a supplementary cardholder). Check the product disclosure statement to find out what your particular policy covers.

Q: What is the maximum trip length allowed on my credit card travel insurance policy?

Although there is usually no limit on the number of trips covered in any year, there is a limit on each trip’s duration. For trips within Australia there is often a 14-day limit, and the trip must involve interstate air travel. Overseas trip cover generally allows for longer periods of cover, from 30 days to as long as six months. Once again, the insurance information booklet or product disclosure statement will have more information about this.

Q: How do I activate my credit card travel insurance policy?

Most credit card travel insurance policies have some kind of activation condition, involving travel spending using the credit card. For domestic travel insurance (interstate flight inconvenience cover) you will usually have to pay the airfares in full for everyone needing to be covered. Overseas travel policy activation normally has either the same airfare payment condition, or a target amount (e.g. $500) to be spent using the card for the trip’s prepaid expenses (fares, accommodation, tour or activity costs, &c) before departure. Rewards and frequent flyer points cards sometimes accept activation where the airfares were purchased with points.

Q: Is the credit card issuer also the insurer behind the policy?

No. The card issuer will have made a master agreement with an insurance underwriter (e.g. ACE, Allianz, QBE) to provide cover for its cardholders.

Q: How do I make a claim against my credit card travel insurance policy?

You will need to make a claim directly with the insurance underwriter, although your card issuer’s service centre will usually help you to get in touch with them if you don’t have the contact details with you while travelling. But it is a good idea to take the policy and insurer contact details with you (or have them available on your mobile device). The insurance underwriter’s product disclosure statement will often provide a list of emergency contact telephone numbers for popular overseas destinations. If you need to make a claim but do not need financial, legal or practical assistance through the policy while you are away, you can wait until you return home before you contact the insurer. Retain any paperwork that you will need to support your claim, and don’t wait too long: there will be a time limit after your return during which you must make your claim.

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