Ask Miles: What credit card travel insurance options do I have if I'm over 65?

Ask Miles: What credit card travel insurance options do I have if I'm over 65?

What credit card travel insurance options do I have if I'm over 65?


Answer

The complimentary travel insurance coverage and age restrictions vary between the credit cards that offer this insurance. The age limit ranges from 50 to 90 but you would usually be covered if you are under 80 years old.

For your quick reference, you can easily compare the insurance provider, maximum age limit and general restrictions below:

American Express (Chubb) - up to 79 (You must be under 80 years of age and in a good state of health and be fit to travel to be eligible for this cover).

ANZ (Allianz) - up to 80 (To be eligible you must be 80 years of age or under on the day you activated cover). 

Bankwest (Cover-More) Overall age limit: 79 
- If you have asthma: Under 60
- If you have diabetes or glucose intolerance: Under 50

(You must be under 80 years of age to be eligible for this cover as outlined in the Bankwest Complimentary Credit Card Insurance booklet. Call Cover-More on 1300 468 340 for more information).

Bank of Melbourne (Allianz) - up to 80 (This cover is only available to persons up to and including 80 years of age).

Citi (Allianz) - up to 79 (Limited cover is available for people aged 80 or over but may require further steps to activate and may attract a premium charge. Refer to the CommBank Credit Card Insurance booklet for more information).

HSBC (Allianz) - Age limit is not outlined in the policy document (For specific enquiries contact Allianz Global Assistance on 1800 648 093).

NAB (QBE) - up to 90 (You must be 90 years of age or under before the date of departure for your trip. Note that you will not be covered if you have to return to Australia due to the unforeseen death, accidental injury or illness of a relative over 80 years of age).

St.George (Allianz) - up to 80 (This cover is only available to persons up to and including 80 years of age).

Virgin Money (Allianz) - Age limit is not outlined in the policy document (For specific enquiries contact Allianz Global Assistance on 1800 072 791).

Westpac (Allianz) - up to 80 (This cover is only available to persons up to and including 80 years of age).

You can compare  Credit Cards with Free Travel Insurance here.

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Disclaimer

The products, banks and companies mentioned in this Ask Miles question and answer were correct at the time of publishing. The information published is general advice only and should not be taken as specific personal finance advice.

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