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Complimentary overseas travel insurance

The information below is a summary only. Please refer to the Credit Card Complimentary Insurance Terms and Conditions (PDF 761KB) for full details on benefits, terms, limits, conditions and exclusions. An excess may be deducted from certain payments as detailed in the policy booklet.

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.

Your claim may be affected in circumstances where you have failed to follow advice or take heed of a warning from any government or official body, or any publication or broadcast by any member of the mass media.

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 (PDF 761KB) for more information.

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

You must also either permanently reside in Australia, or hold a current and valid residency Visa and reside in Australia.

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 include:

  • Medical and hospital expenses incurred overseas (subject to a pre-existing condition exclusion)
  • Loss or damage to personal property and business computers and business mobile phones (there are limits on individual items)
  • Legal liability
  • Rental vehicle excess
  • Unexpected cancellation of travel arrangements and other unexpected expenses.

Terms, conditions, limits and exclusions apply. Please refer to the Westpac Business Credit Cards Complimentary Insurance Policy (PDF 761KB) available below 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 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.

Exclusions and limits apply if you have a pre-existing medical conditions

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

Westpac Business Credit Cards Complimentary Insurance Policy (PDF 761KB)

Which cards offer complimentary overseas travel cover?

We will provide cover for the period listed below, or until you return to your home in Australia, whichever occurs first.

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 (PDF 761KB)

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

Complimentary insurance covers: AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631 (trading as Allianz Global Assistance) under a binder from the insurer, 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) which allows eligible Westpac cardholders to claim under it as third party beneficiaries. Any advice on insurance is general advice only and not based on any consideration of your objectives, financial situation or needs. The terms, conditions, limits and exclusions of the group policy are set out in the Westpac Business Credit Cards Complimentary Insurance Policy (PDF 761KB) / Commercial Cards Insurance Policy (PDF 357KB) which may be amended from time to time. Westpac does not guarantee this insurance.