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What can be claimed on credit card insurance?

One of the biggest advantages of rewards cards are all the built-in benefits available to cardholders. While the annual card fee may be higher, the extra value can really add up. For this reason, it can pay to compare cards to see what you’re entitled to so you get your money’s worth.


The complimentary travel4 insurance included with many rewards credit cards could be a great way to cover yourself on your next trip. The level of cover while you’re travelling can include things like doctor and hospital expenses, lost bags, damaged property, cancellation fees, injury you cause to other people or property, and rental car excesses.


Along with these more standard inclusions, the following are some less expected things that your complimentary travel insurance4 may cover. As with any credit card benefits, the level of insurance included can vary greatly from card to card and conditions apply, so check your policy carefully.


1. An allowance for a TV and other hospital essentials

Sometimes called a ‘cash bedcare allowance’, this covers you for incidental expenses while you’re in hospital for each continuous 24 hour period you are confined in an overseas hospital as a bed care patient. It can pay for expenses like a rental TV, newspapers and phone calls – little things that can help to pass the time and make your hospital stay in a foreign country more comfortable.

2. Cover for a friend or relative to be with you

Imagine being seriously ill or injured overseas and wishing someone you love was there to look after you. Some insurance also includes paying for the cost of a friend or family member to travel to where you are and/or accompany you back home. Two credit cards that offer this cover are the Altitude Black and Altitude Platinum credit cards.

3. Alternative transport if you’re going to miss a special event

What would you do if something unexpected happened while you were on your way to a wedding or other special event and you thought you were going to miss it? If your journey is interrupted by an unexpected cause outside of your control and as a result you are going to miss a special event, your credit card complimentary travel insurance might be able to cover reasonable costs for finding another way to get there in time.

4. Loss of income when you get back home

In the unfortunate event that you’re injured overseas, you may be covered for loss of income if you can’t work within a certain time of arriving home. As with most claims, conditions may apply, such as providing a medical certificate from an Australian qualified and registered doctor.

5. Your pets’ boarding costs

While some complimentary travel insurance policies cover your spouse and dependent children, did you know they may also cover certain expenses relating to your pets? For instance, Altitude Black and Altitude Platinum credit cards could cover you for additional boarding fees for your cats and dogs if your trip home is delayed for some reason outside your control.

6. Emergency dental treatment

A severe toothache or other dental trouble is never welcome, but especially not when you’re away from home. You may know that credit card travel insurance often covers doctors and hospital expenses, but you might not be aware it could also cover emergency dental treatment for sudden and severe pain to natural healthy teeth when you’re travelling overseas.

7. Rental car excess insurance

If you have an accident while driving a rental car, you’ll most likely have to pay the excess on the insurance. Once again, your complimentary credit card insurance may be able to help. Some cards can reimburse cardholders for any insurance excess you have to pay on damaging a car from a licensed car rental agency, as long as you were you were following the local laws. Other exclusions may apply, so make sure you check out the terms and conditions.


If you’d like to learn more about Westpac complimentary insurance on credit cards, read our complimentary insurance policy (PDF 391KB).


And if you are interested in reading about Westpac cards that offer complimentary insurance, visit our pages for the Altitude Platinum and Altitude Black credit cards.


Things you should know

Credit criteria, fees and charges apply.

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.

Be credit savvy: Before applying, consider a realistic credit limit and check all conditions, interest rates, fees and charges on your selected card.

Altitude Rewards: You must be a member of the relevant frequent flyer program to redeem Altitude Points for frequent flyer points. The Altitude 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 Velocity or Qantas: In order to earn and redeem points, you must be a member of the relevant Frequent Flyer program. An annual $50 Rewards fee applies for customers who choose this option.

Concierge Services are provided by a third party supplier. For further details including terms and conditions visit

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 391KB) which may be amended from time to time. Westpac does not guarantee this insurance.

6. Rewards Points: The earning and redemption of Altitude Points, Velocity Points and Qantas Points are subject to the Altitude Terms and Conditions. Purchases that are not eligible to earn Rewards Points are set out in the Altitude Terms and Conditions. You do not receive points if you have not paid the Minimum Payment Due in full and on time and in other circumstances. Qantas and Velocity Points earned during a statement cycle are added to your respective Points balance on a monthly basis.

Westpac is the credit provider and credit licensee under National Consumer Credit Laws.