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Complimentary overseas travel insurance

QBE Travel Updates

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

Complimentary overseas travel Insurance, commonly known as credit card travel Insurance, is part of the complimentary insurance covers we have available to Westpac cardholders on selected personal credit cards.

Is my overseas trip covered?

To be eligible for this complimentary overseas travel insurance, before leaving Australia on an overseas journey, you must have a return overseas travel ticket, and need to have prepaid at least A$500 of your travel costs using your eligible card. Travel costs include:

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

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

If the cardholder is eligible for the overseas travel insurance as outlined above,  the cardholder’s, spouse and/ or dependent children who are travelling with the cardholder for the entire journey become eligible for this overseas travel insurance when, before leaving Australia on an overseas journey, the cardholder’s spouse and/or dependant children have a return overseas travel ticket, and A$500 of each of their prepaid travel costs(ie costs of their return overseas travel ticket; and/or airport/departure taxes; and/or their prepaid overseas accommodation/travel; and/or their prepaid overseas itinerary items) has been charged to the cardholder’s eligible credit card.

Dependent children, under the age of two years as at the date the journey commences become eligible for this Overseas travel insurance, once the cardholder becomes eligible for this Overseas travel insurance, provided that the dependent child is travelling with the cardholder for the entire journey.

To be covered, you don’t need to let us or QBE know that you’re going overseas – provided you meet the conditions in accordance with the insurance policy, you’re automatically covered.

What’s covered?

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

What isn’t covered?

Please refer to your cards Complimentary Insurance policy or download 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 any 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.

We can help arrange standalone travel insurance that covers a range of events and inclusions:

  • 24 hour medical and travel assistance
  • Unlimited cover for overseas medical expenses
  • Cover for luggage, credit card and travellers cheques
  • Cancelled travel and accommodation overseas, and more.

Find out more about standalone Westpac Travel Insurance.

Limits apply if you have pre-existing medical conditions

You can find out more about what is and isn’t covered in the Westpac Credit Cards Complimentary Insurance Policy

Which cards offer complimentary overseas travel cover?

The following cards offer up to 6 months complimentary cover:

The following card offers up to 3 months complimentary cover:

If you have a Westpac credit card that is not listed above, and would like to check if you card offers overseas travel insurance, please download the Westpac Credit Cards Complimentary Insurance Policy (PDF 297KB) .

Making a claim

If you want to make a claim under this policy, you must:

Whilst you are overseas:

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

If you are in Australia, (or when you return to Australia) you must follow the steps listed below.


Contact QBE 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 QBE Assist), 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 Credit Cards Complimentary Insurance Policy . The QBE website also has helpful FAQs and claims forms you can download.

Things you should know

Complimentary insurance covers: QBE Insurance (Australia) Limited ABN 78 003 191 035 AFSL 239545 has issued an insurance group policy to Westpac Banking Corporation ABN 33 007 457 141 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 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 calling 1300 130 961.