Complimentary overseas travel insurance

Important information:

Effective 1 October 2017, the insurer of your Westpac Business Credit Cards Complimentary Insurance Policy will be changing from QBE Insurance (Australia) Limited (“QBE”) to Allianz (Issued by Allianz Global Assistance and underwritten by Allianz Australia Insurance Limited). Read more.

Travel updates

In addition to the Westpac Business Credit Cards Complimentary Insurance Policy, please consider Allianz Global Assistance travel updates that may impact your cover.

Complimentary overseas travel Insurance, is part of the complimentary insurance covers we have available to Westpac business cardholders on selected credit cards.

Is my overseas trip covered?

Your trip will be covered, providing you meet the conditions in accordance with the insurance policy. These include having for example, a return overseas travel ticket and prepaying at least A$500 of your travel costs using your eligible card. Examples of travel costs include:

  • Return overseas travel tickets
  • Airport/departure taxes
  • Prepaid overseas accommodation
  • Prepaid overseas itinerary items.

Please refer to the Westpac Business Credit Cards Complimentary Insurance Policy for more information.

Please note for overseas travel insurance, the cover is only available to persons up to and including 80 years of age.

To be covered, you don't need to let us or Allianz Global Assistance know that you're going overseas. Provided you meet the conditions in accordance with the insurance policy, you're automatically covered.

What’s covered?

The complimentary insurance covers as set out in the policy are:

  • Medical and hospital expenses incurred overseas
  • Loss or damage to personal property and business computers and business mobile phones
  • Legal liability
  • Rental vehicle excess
  • Unexpected cancellation of travel arrangements and other unexpected expenses.

Please refer to the Westpac Business Credit Cards Complimentary Insurance Policy for more information.

What isn’t covered?

Please refer to the Westpac Business Credit Cards Complimentary Insurance Policy or download it below for more information about what is and isn’t covered.

It's a good idea to check before leaving what's actually covered in the Westpac Business Credit Cards Complimentary Insurance Policy, and what the exclusions or limits might be. Depending on your destinations and time away, this cover may not fully meet your needs.

Limits apply if you have pre-existing medical conditions

Find out more about what is and isn't covered:

Westpac Business Credit Cards Complimentary Insurance Policy (for claim events prior to 1 October 2017) (PDF 431KB)

Westpac Business Credit Cards Complimentary Insurance Policy (effective 1 October 2017) (PDF 238KB)

Which cards offer complimentary overseas travel cover?

The following card offers up to 6 months complimentary cover:

  • Altitude Business Platinum

The following cards offer up to 3 months complimentary cover:

  • Altitude Business Gold
  • BusinessChoice Rewards Platinum


You can check if other Westpac credit cards not listed above also offer complimentary overseas travel insurance:

Westpac Business Credit Cards Complimentary Insurance Policy (for claim events prior to 1 October 2017) (PDF 431KB)

Westpac Business Credit Cards Complimentary Insurance Policy (effective 1 October 2017) (PDF 238KB)

Making a claim under this policy

While you are overseas:

In order for Allianz Global Assistance to confirm your eligibility for overseas travel insurance, you will need to have copies of the documents listed in the Westpac Business Credit Cards Complimentary Insurance Policy.

If you are in Australia, (or when you return to Australia)

Contact Allianz Global Assistance on 1800 091 710 within 30 days or as soon as possible of returning home from overseas or interstate (even if you have previously reported the matter to Allianz Global Assistance Assistance), or if you are already home, contact us within 30 days or as soon as possible of learning of an occurrence (loss, damage or breakdown) that may result in a claim.

Want to know more?

You can find out more about making a claim in the Westpac Business Credit Cards Complimentary Insurance Policy. The Allianz Global Assistance website also has helpful FAQs and claims forms you can download.

Things you should know

Westpac Business Credit Cards Complimentary Insurance Policy (for claim events prior to 1 October 2017) (PDF 431KB)

Westpac Business Credit Cards Complimentary Insurance Policy (effective 1 October 2017) (PDF 238KB)


Complimentary insurance covers (effective 1 October 2017): AWP Australia Pty Ltd, ABN 52 097 227 177, AFSL 245631, of 74 High Street, Toowong, QLD 4066 (trading as Allianz Global Assistance) under a binder from the underwriter, Allianz Australia Insurance Limited ABN 15 000 122 850, AFSL 234708, has issued an insurance group policy to Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714 (Westpac), of 275 Kent Street, Sydney, NSW 2000 which allows eligible Westpac account holders and cardholders to claim under it as third party beneficiaries. The terms, conditions, limits and exclusions of the group policy are set out in the Westpac Business Credit Cards Complimentary Insurance Policy which may be amended from time to time. Westpac does not guarantee the insurance. You can get a copy of the policy booklet by downloading Westpac Business Credit Cards Complimentary Insurance Policy (effective 1 October 2017) (PDF 238KB).