Credit Cards with Free Travel Insurance | Compare Offer Details

Credit Cards with Free Travel Insurance

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

0% p.a. on balances transferred for 22 months, with no balance transfer fee.
$129 p.a. annual fee which is refundable each year when you spend $6,000 on eligible purchases.*
Earn 2 pts per $1 spent on overseas purchases.
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HSBC Platinum Credit Card Balance Transfer Offer
Apply by 31 mar 20
Application
on HSBC's website
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Rated 4.8 out of 5 for customer satisfaction.
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international travel insurance
interstate flight inconvenience
personal item theft cover
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Qantas Premier Platinum Credit Card
Apply by 26 feb 20
Receive up to 120,000 bonus Qantas Points when you spend at least $1,500 each month for the first 6 months.
Reduced annual fee of $199 p.a. in the first year ($299 p.a. thereafter).
0% p.a. for 18 months on balance transfers.
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American Express Qantas Business Rewards Card
Apply by 11 mar 20
150,000 bonus Qantas Points when you apply by 11 March 2020, are approved, and spend $3,000 in 2 months. New Card Members only.
Earn triple Qantas Points for your business when employees fly on eligible Qantas flights and pay using their American Express Qantas Business Rewards Card.
Earn 2 Qantas Points per $1 spent on Qantas products and services.
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HSBC Platinum Credit Card Balance Transfer Offer
Apply by 31 mar 20
0% p.a. on balances transferred for 22 months, with no balance transfer fee.
$129 p.a. annual fee which is refundable each year when you spend $6,000 on eligible purchases.*
Earn 2 pts per $1 spent on overseas purchases.
More info
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No
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St.George Vertigo Platinum Credit Card
Apply by 02 jun 20
6 reviews
0% p.a. on purchases for up to 15 months from card approval.
$49 p.a. annual fee for the first year ($99 p.a. thereafter).
Low revert rate on Purchases of 12.99% p.a. (ongoing).
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Qantas Premier Everyday Credit Card
Apply by 30 jun 20
Receive up to 25,000 bonus Qantas Points when you spend at least $1,000 each month for the first 5 months.
Reduced annual fee of $29 p.a. in the first year ($49 p.a. thereafter).
0% p.a. for 12 months on balance transfers.
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Receive 50,000 bonus Velocity Points when you apply online, are approved and spend $3,000 within the first 3 months. New Card Members only.
Earn 1.25 Velocity Points per $1 spent, except government bodies where you will earn 0.5 Velocity Points per $1 spent.
A complimentary domestic return flight every year with travel insurance and entry into Virgin Australia Lounges.
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Get 50,000 Membership Rewards points when you apply online, are approved and spend $3,000 in the first 3 months. New Card Members only.
Receive a $400 Travel Credit each year towards any flights, hotels and car hire when you book online with this card.
T&Cs and eligibility criteria apply. Available to new card members only.
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ANZ Rewards Platinum Credit Card
Receive 100,000 points with your new ANZ Rewards Platinum card (terms and conditions apply).
A range of complimentary insurances for travel and purchases.
Earn ANZ Rewards Points on everyday purchases.
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American Express Westpac Altitude Black Credit Card Bundle® (Velocity)
Apply by 31 mar 20
Earn up to 100,000 bonus Velocity Points when you apply for the two-card bundle issued by Westpac and Amex until 31 March 2020 (conditions apply).
Reduced Annual Fee of $399 p.a. in the first year.
Earn up to 2 Velocity points per $1 spent on eligible overseas purchases. (Amex).
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American Express Westpac Altitude Platinum Credit Card Bundle® (Qantas)
Apply by 31 mar 20
Earn up to 75,000 bonus Qantas Points when you apply for the two-card bundle issued by Westpac and Amex until 31 March 2020. (Conditions Apply)
Reduced Annual Fee of $200 p.a. in the first year.
Earn up to 1.5 Qantas point per $1 spent on eligible overseas purchases. (Amex)
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American Express Westpac Altitude Platinum Credit Card Bundle® (Velocity)
Apply by 31 mar 20
Earn up to 75,000 bonus Velocity Points when you apply for the two-card bundle issued by Westpac and Amex until 31 March 2020. (Conditions Apply)
Reduced Annual Fee of $200 p.a. in the first year.
Earn up to 1.5 Velocity point per $1 spent on eligible overseas purchases. (Amex)
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Q&As about Travel Insurance Credit Cards from customers

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.

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

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.

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.

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, etc.) before departure. Rewards and frequent flyer points cards sometimes accept activation where the airfares were purchased with points.

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.

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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