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How does credit card travel insurance work?

Travel insurance can help you cover expenses in the event of unplanned complexity – be it a slip up on the slopes of St. Moritz or a baggage bungle in Bahrain.


The good news is that many credit cards already come with complimentary insurance that applies when you use your card to purchase flights or other holiday-related expenses. With varying levels of insurance on offer, the key is to make sure you know exactly what’s covered. That way, you can make the most of your cover and not get caught out when overseas.


What’s covered?

While every policy is different, complimentary travel insurance 4 sometimes covers you, your partner and/or dependent children for a range of situations while travelling. These could include:

  • Medical cover for doctors and hospital expenses while overseas
  • Personal property cover for lost bags or damaged property while travelling
  • Cancellation fee cover if you have to cancel your trip unexpectedly
  • Legal liability cover if you injure someone else or damage property during your trip
  • Rental vehicle excess cover if you’re involved in an accident in a rental car.

When are you eligible?

It’s good to keep in mind that to be eligible for your complimentary insurance 4, you may need to purchase a minimum amount of your overseas travel expenses on your card, which may include your tickets, prepaid accommodation and other prepaid items. For instance, the Altitude Black credit card and Altitude Platinum credit card require you to spend at least $500 of your pre-paid travel costs on the card for you to be eligible for overseas travel insurance, among other eligibility criteria – so check the terms and conditions.

What’s not covered?

While your included insurance may be pretty comprehensive, it might not cover absolutely everything. Make sure you understand what isn’t covered by reading the insurance exclusions section in the complimentary insurance policy (PDF 6MB). 4


To learn about Westpac rewards cards that offer complimentary travel insurance, read more about our Altitude Black and Altitude Platinum credit cards.


Things you should know

Consumer Credit Cards - Conditions of Use (PDF 303KB)

Altitude Rewards Terms and Conditions (PDF 125KB)

Westpac Credit Cards Complimentary Insurance Policy (PDF 6MB) (for claim events prior to 1 October 2017)

Westpac Credit Cards Complimentary Insurance Policy (PDF 764KB) (Effective 1 October 2017)

Westpac Rewards Credit Cards Concierge Service Terms and Conditions (PDF 99KB)

Credit criteria, fees and charges apply.

Be credit savvy: Before applying, consider a realistic credit limit and check all conditions, interest rates, fees and charges on your selected card.
This information does not take into account your financial needs, individual circumstances or objectives. Read the terms and conditions before making a decision and consider whether the product is appropriate for you.

Rewards points: Depending on your choice of rewards program, you can earn Altitude Points or Qantas Points on your eligible purchases. The earning and redemption of Altitude Points and Qantas Points is subject to the Altitude Rewards and Altitude Qantas Terms and Conditions. You do not receive points if your card account is in arrears for 2 consecutive statement cycles and in other circumstances. You do not earn Altitude Points or Qantas Points on payments to the Australian Taxation Office. A points cap per statement cycle applies to the Altitude and Altitude Platinum Cards. For details, see the Rewards tab on the Altitude or Altitude Platinum product page.

Altitude Rewards: You must be a member of the relevant frequent flyer program to redeem Altitude Points for frequent flyer points. The Altitude Rewards Terms and Conditions and the terms and conditions of the relevant frequent flyer program apply. A joining fee may apply. Availability of Reward flights may be limited. For more information on the Altitude Rewards program, visit

Altitude Qantas: In order to earn and redeem points, you must be a member of the Qantas Frequent Flyer program.

Concierge: Concierge Services are subject to the Westpac Rewards Credit Cards Concierge Service Terms and Conditions available at


4 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 Credit Cards Complimentary Insurance Policy (PDF 764KB) which may be amended from time to time. Westpac does not guarantee this insurance.