Eligible Bankwest Platinum and World Mastercard credit cards offer overseas travel insurance, cover for eligible trips in Australia and other types of insurance. Here's what you can get.
You don't need to activate this insurance or apply to get cover for an overseas trip - coverage is automatic once you meet eligibility and the terms and conditions.
You can pay a premium to extend your cover and/or get more cover for issues including cancellation, rental vehicle excess insurance and existing medical conditions.
Your spouse and dependants travelling with you can also get cover, but there are some requirements and exclusions.
Have a question or need to make a claim right now? Call insurance provider Cover-More on 1300 468 340 (from Australia) or +61 2 8907 5061 (from overseas).
Which Bankwest credit cards have complimentary travel insurance?
⚠️ Important: This guide is based on details in the Bankwest credit card insurance information booklet, effective 24 August 2022 (pdf). This was the current version when we updated this guide, but you can also check for updates on the Bankwest website.
How to get cover with Bankwest credit card international travel insurance
Have an active, eligible Bankwest credit card in your name at the time of the incident (e.g. when you're overseas and need to make a claim).
Make sure you'll be under 80 years of age when you start your overseas trip and/or when you get a Certificate of Insurance.
Travel overseas from Australia.
Make sure the length of your trip meets the following cover requirements:
Bankwest Platinum Cards: Up to 31 days in a row for included cover and up to 3 months for upgraded cover.
Bankwest More World Mastercard credit cards: Up to 6 months in a row for included cover and up to 12 months for upgraded cover.
Optional: Request and pay the premium if you want to extend the length of the cover or if you have a platinum card and want access to upgraded cover benefits including cancellations, car rental excess cover and baggage delays.
The cover is automatically available to you and eligible family members when you meet these requirements. If you need further details or want confirmation of cover, go to the insurance section of the Bankwest app or call Cover-More on 1300 468 340.
What's covered by Bankwest credit card overseas travel insurance?
Here, we've broken down the key options for different types of claims and situations. But remember: you should always read the insurance policy booklet for complete details of the cover.
Included complimentary overseas travel insurance for eligible Platinum and World Mastercard credit cards
Benefit
Claim limit for people up to 80 years of age
Excess payment (per claim)
Overseas emergency medical and hospital expenses Note: This benefit has sub-limits for hospital incidentals, assault requiring hospitalisation and emergency dental costs, which we have listed separately in this table.
Unlimited
$250
Hospital incidentals (sub-limit)
Up to $100 per 24 hours, with a maximum of $15,000 total
$0
Assault requiring hospitalisation (sub-limit)
$500 per person
$0
Overseas emergency dental expenses (sub-limit)
Up to $2,000 per person
$0
Accidental death
$25,000 per cardholder
$25,000 per spouse
$0
Personal liability
Note: This cover is not available if the issue relates to family, people travelling with you or people employed by you.
Up to $2.5 million
$0
Baggage and personal goods (accidental damage, theft and loss)
Up to $20,000 for a cardholder or $30,000 when travelling with a spouse, with the following claim limits: Cameras, video cameras, computers, mobile and smart phones: Up to $3,500 per item Other covered items: Up to $2,000 per item
$250
More cover and upgraded benefits for overseas travel insurance
If you have an eligible Bankwest Platinum credit card, you can pay a premium to upgrade your cover and get the benefits in this table.
Bankwest World Mastercard credit cards automatically include most of these benefits, so you would only need to pay a premium for an additional period of cover or to cover an existing medical condition.
Benefit
Claim limit for people up to 80 years of age
Excess payment (per claim)
Additional period of cover
Bankwest Platinum cards: Up to 2 additional months of cover (for 3 months total cover)
Bankwest World Mastercard credit cards: Up to 6 additional months of cover (for 12 months total cover
$0
Existing medical conditions cover (subject to application)
N/A - limits are based on the benefit limits for any claims you make
Based on the type of claim
Additional expenses
Unlimited
$250
Cancellation costs
Up to $15,000 per cardholder or up to $20,000 if travelling with covered family members, except:
Travel agents' cancellation fees: Up to a maximum of $1,000 (less if the commission booking fee is lower)
$250
Special event
Up to $3,000
$250
Rental vehicle excess
Up to $3,000
$250
Kidnap and ransom
Note: This cover does not apply for kidnapping in any country or waters located in Mexico, Central America or South America (south of the US), the Philippines or Somalia. It also doesn't apply if you've been kidnapped before.
Up to $250,000
$0
Hijack and detention
Up to $100 per 24 hours ($20,000 max)
$0
Baggage delay expenses
Up to $600 per cardholder, with a maximum claim limit of $1,200 when travelling with family.
$0
Travel documents, traveller's cheques, credit cards and cash
Up to $600 per cardholder, with a maximum claim limit of $1,100 when travelling with covered family.
$0
Travel delay expenses
Up to $475 per cardholder, or $1,100 for a cardholder travelling with family.
$0
Domestic pets (additional kennel or boarding costs)
Up to $50 per 24 hours, with a maximum limit of $1,000.
$0
Overseas funeral, cremation or body repatriation
Up to $15,000 per cardholder, or up to $30,000 when travelling with family.
$0
Travel services provider insolvency
Up to $5,000 per cardholder, or up to $10,000 when travelling with family.
$250
Resumption of journey
Up to $5,750 per cardholder, or up to $15,000 when travelling with family.
$250
Loss of income
Up to $1,000 per week and a maximum of $12,000 per cardholder or spouse (based on your verified income)
$0
Want to upgrade your policy? Call Cover-More on 1300 468 340 or request upgraded cover through the Bankwest app or website.
What's not covered?
Some of the key things you won't be covered for with Bankwest credit card complimentary international travel insurance include:
Epidemics and pandemics (except for claims related to COVID-19 in specific situations)
If you don't follow the advice of a government or another official source (e.g. Do Not Travel warnings)
If the issue is the result of substance abuse or non-prescription drugs
Claims relating to elective medical, dental or cosmetic procedures you have when you're overseas (includes getting new tattoos and piercings)
Dangerous activities including rock climbing (with equipment), white water rafting, bungy jumping, off-piste snowboarding or skiing and quad or motorbike riding on a vehicle that has an engine capacity of 200cc or more
Does Bankwest complimentary credit card travel insurance have coronavirus cover?
Yes, this policy offers cover for overseas emergency medical and hospital expenses if you are positively diagnosed with COVID-19 during your trip. But you won't get cover if you were diagnosed while on a multi-night cruise, or for other claims (such as cancellation costs)..
⚠️ Remember: Check the Bankwest credit card insurance booklet or call Cover-More on 1300 468 340 for more details about exclusions or COVID-19 cover.
If you need cover for a skiing trip, bungy jumping or other overseas adventures, check out adventure sport travel insurance costs and conditions.
Existing medical conditions
This complimentary overseas travel insurance automatically covers a limited number of existing medical conditions when you meet the requirements. For any existing medical condition to be covered, you must:
Be under 79 years of age
Have not been hospitalised in the past 12 months for that condition
Have not had surgery involving joints, your back, spine, brain or abdomen if it required at least an overnight stay in hospital for the condition
Some existing medical conditions also have more specific requirements, including:
Pre-existing medical condition
Conditions for cover
Asthma
To get cover, you must:
Be under 60 years of age
Have not smoked for at least 18 months
Not need prescribed oxygen outside of a hospital
Have no other lung condition or disease
Diabetes/glucose intolerance
To get cover, you must:
Be under 50 years of age
Have had your diagnosis for more than 6 months
Not have had any complications in the last 12 months
Have no kidney, eye or neuropathy complications
Have no cardiovascular disease
Hypertension (high blood pressure)
If you have no cardiovascular disease or diabetes
Single pregnancy up to 24 weeks
If there are no existing complications related to the pregnancy and the pregnancy was not medically assisted (e.g. through IVF)
⚠️ Keep in mind: Every travel insurance policy has its own definition and requirements for existing medical conditions (also referred to as pre-existing conditions). For Bankwest credit cards, check the insurance booklet or call Cover-More on 1300 468 340.
What if I don't meet the requirements or have another existing medical condition?
You can apply for existing medical condition cover through the Bankwest app or by calling Cover-More on 1300 468 340.
If your request for cover is approved, you'll need to pay a premium. The cost will be advised at the time you apply, and you'll then be issued with a certificate of cover.
Otherwise, you won't get cover for any pre-existing conditions that cause issues.
Got a pre-existing health condition that's not covered? Check out travel insurance policies that offer cover for conditions including allergies, epilepsy and physical disabilities.
How to make a claim through your Bankwest credit card complimentary international travel insurance policy
If it's an emergency, call Cover-More on +61 2 8907 5061 from overseas or 1300 468 340 in Australia. Then, submit a claim as soon as possible by following these steps:
Fill in the details on the claim form and upload your supporting documents.
Use the "Save" button if you need to come back to the claim later.
You can also start the claim process by logging in to your Bankwest account.
Cover-More will contact you within 30 working days of submitting a claim.
What to include in your claim
With insurance claims, include as many details as you can. This makes it easier for the insurer to look at the claim and your eligibility for a payout. Some examples include:
A referral or letter from a doctor or other professional you see in relation to a claim
Photo evidence
Police reports
Tip: Use a travel wallet or create an online folder to keep all your important documents together. This could include your passport, itinerary, printed tickets, a copy of the Bankwest card insurance policy booklet – plus anything that could become supporting documentation for claims.
Other types of Bankwest complimentary credit card travel insurance
Transit accident insurance
What is it? Cover for accidents that happen when you're boarding, leaving or travelling overseas on a plane, train, bus, ferry or other eligible vehicle.
When can I use it? If you have paid for the entire trip with your eligible Bankwest credit card before you leave.
Is there an excess cost? No.
Interstate flight inconvenience insurance
What is it? Cover for specific issues that come up when you're travelling to a different state or territory in Australia. For example, cancelled return flights, flight delays of 4 hours or more and delayed or lost luggage.
When can I use it? If you use your eligible Bankwest credit card to pay for the entire cost of your return interstate flight and are travelling for no more than 14 days in a row.
Is there an excess cost? There is a $250 excess for claims relating to cancellation and lost or damaged personal goods.
How to make a claim under one of these policies
Call Cover-More on 1300 468 340 in Australia or +61 2 8907 5061 from overseas.
Bankwest credit card complimentary insurance for shopping
These Bankwest credit cards also give you access to other types of insurance for items you buy. Here's a basic explainer of each one:
Purchase security insurance: Offers cover for up to 90 days when you buy an item with your eligible card and it's then stolen, accidentally damaged or lost. It covers household and personal items such as laptops, shoes, jewellery and glasses.
Extended warranty insurance: Cover that doubles the manufacturer's warranty for items bought in Australia, up to a maximum period of 12 months.
Price guarantee: If you buy something and then see it being sold for less somewhere else, you could claim the difference in price with this cover.
Yes, if you get upgraded cover you'll be issued with a certificate of insurance. If you need proof of cover in other circumstances, call Cover-More on 1300 468 340. You won't generally receive a certificate of insurance, as cover is available automatically once you meet the conditions.
Yes, if you meet the eligibility requirements for cover, your spouse and dependants (children) can get cover under this policy when they're travelling with you for the entire trip. Keep in mind that they also need to meet all the other conditions of the insurance policy (e.g. being under 80 years of age). They also need to be travelling on the same itinerary.
You don't need to apply for cover, or tell Bankwest or the insurer that you will be travelling, as you're automatically covered for Complimentary Overseas Travel Insurance provided you're a cardholder and meet the eligibility, definitions, terms and conditions, exclusions and claims procedures contained in the PDS.
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To make sure you get accurate and helpful information, this guide has been edited by Joelle Grubb as part of our fact-checking process.
Amy Bradney-George was the senior writer for credit cards at Finder, and editorial lead for Finder Green. She has over 16 years of editorial experience and has been featured in publications including ABC News, Money Magazine and The Sydney Morning Herald. See full bio
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Earn reward points as you spend, plus benefit from complimentary overseas travel insurance and 10 yearly airport lounge visits with the Bankwest More World Mastercard.
Compare the features and costs of this card, including uncapped points for everyday spending, 0% foreign transaction fees on overseas and online purchases plus complimentary insurance covers.
Get complimentary overseas travel insurance, 0% foreign transaction fees and points per $1 spent on eligible purchases with the Bankwest More Platinum Mastercard.
The Bankwest Zero Platinum Mastercard has a $0 annual fee and 0% foreign transaction fees while boasting extras such as 0% purchase and balance transfer offers.
Compare the costs and features of the Bankwest Zero Classic Mastercard, including a balance transfer offer, a digital version of the card and Google Pay compatibility.
Hello. Do I need to notify Bankwest of the dates I am travelling and where I am travelling to? If not, I assume that the insurance cover automatically commences from the date that I purchased the overseas flight ticket with my Bankwest Zero Platinum Mastercard. Could you please confirm. Thanks.
Finder
JasonDecember 31, 2016Finder
Hi Gary,
Thank you for your inquiry.
You’ll be automatically covered by the BankWest credit card complimentary insurance once you meet the eligibility criteria outlined on this page under the subheading, “What are the eligibility requirements?”
When you meet the eligibility requirements, your cover will start from the date of departure that’s listed on your return travel ticket and ends when you return home or when the cover period finishes.
Kind regards,
Jason
BeverleyJune 28, 2016
My husband and I have a platinum credit card each but he is the main cardholder for the account. I have booked a holiday and car hire using wife’s card. Will I still be covered for travel and excess car insurance as he isn’t travelling with me?
Finder
MayJuly 22, 2016Finder
Hi Beverley,
Thanks for your inquiry.
Sorry for the delayed reply. Just to confirm, you’ve come through to finder.com.au we are an Australian financial comparison website and general information service, not actually Bankwest.
According to the Bankwest PDS Complimentary Credit Card Travel Insurance, the insurance is available to “eligible cardholders” that include an “additional cardholder.”
So, if you are the ‘additional cardholder’ of your husband’s Bankwest credit card account and have purchased your ticket and prepaid travel costs for at least AU$500 using your Bankwest credit card (additional card) before leaving Australia, then you’re eligible for the international travel insurance including the rental vehicle excess cover – that is even if your husband is not travelling with you.
Hope this has helped.
Cheers,
May
GeorgeJune 19, 2016
Would I be covered for travel insurance my age 83
Finder
DeeJuly 8, 2016Finder
Hi George,
Thanks for your question.
There is no age limit to be covered by Bankwest credit card complimentary travel insurance, although limits apply for pre-existing medical conditions.
Cheers,
Anndy
CHRISTOPHERApril 19, 2016
Hi,
“Step 1. Purchase a return overseas travel ticket before leaving Australia”. Doesn’t specify if I must purchase with the Bankwest card.
If I (step 1) prepay overseas accommodation which is more than AUD$500 using the Bankwest card and then (step 2) purchase the return overseas travel ticket with cash, Am I eligible for insurance?
If above is true, what if I complied with step 1, and then purchased the return overseas travel ticket with Kris Flyer points instead of cash, am I eligible for insurance?
Finder
DeeApril 19, 2016Finder
Hi Christopher,
Thanks for your question.
Please note that finder.com.au is a financial comparison and information service and is not a representative of Bankwest.
To be eligible for the International Travel Insurance Policy offered to Bankwest Gold or Platinum credit cardholders, you should buy the return travel tickets before you leave Australia and spend at least A$500 on prepaid travel costs using one or combination of the following methods:
• by charging to your eligible credit card account
• by redeeming your Bankwest More Rewards points (does not include any points redeemed for Frequent
Flyer programs)
• by paying using redeemable travel agency flight vouchers that can be obtained by converting your
Bankwest More Rewards points.
I hope this answers your question.
Cheers,
Anndy
LindaMarch 29, 2016
Hi, were about to book a 14 day cruise from Singapore and flights fro, Perth .does the free insurance cover cruises ? And is diverticulitis covered as medical or does it require more insurance as pre existing conditions?
If we add hotel in few days is it covered or does it all need to be paid for in one transaction ?
Finder
DebbieApril 1, 2016Finder
Hi Linda,
Thanks for your inquiry.
Please note that you have come through to finder.com.au, a comparison website, and not Bankwest.
We can confirm that traveling via cruise is covered provided that your travel tickets have been pre-paid using your card.
Unfortunately, diverticulitis is not listed from the covered medical conditions on Bankwest’s travel insurance policy. You may need call or speak directly to Allianz to verify.
If you are a Bankwest World MasterCard, Platinum MasterCard or Gold MasterCard cardholder, you will be covered if you:
Spend at least A$500 of your prepaid travel costs (includes cost of return overseas travel ticket and/ or airport departure taxes; and/ or prepaid overseas accommodation/ travel; and/ or prepaid overseas itinerary items) by one or a combination of the following methods.
To find out more about the insurance policy, please refer to the PDS I have sent in your email.
I hope this helps.
Cheers,
Debbie
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Hello. Do I need to notify Bankwest of the dates I am travelling and where I am travelling to? If not, I assume that the insurance cover automatically commences from the date that I purchased the overseas flight ticket with my Bankwest Zero Platinum Mastercard. Could you please confirm. Thanks.
Hi Gary,
Thank you for your inquiry.
You’ll be automatically covered by the BankWest credit card complimentary insurance once you meet the eligibility criteria outlined on this page under the subheading, “What are the eligibility requirements?”
When you meet the eligibility requirements, your cover will start from the date of departure that’s listed on your return travel ticket and ends when you return home or when the cover period finishes.
Kind regards,
Jason
My husband and I have a platinum credit card each but he is the main cardholder for the account. I have booked a holiday and car hire using wife’s card. Will I still be covered for travel and excess car insurance as he isn’t travelling with me?
Hi Beverley,
Thanks for your inquiry.
Sorry for the delayed reply. Just to confirm, you’ve come through to finder.com.au we are an Australian financial comparison website and general information service, not actually Bankwest.
According to the Bankwest PDS Complimentary Credit Card Travel Insurance, the insurance is available to “eligible cardholders” that include an “additional cardholder.”
So, if you are the ‘additional cardholder’ of your husband’s Bankwest credit card account and have purchased your ticket and prepaid travel costs for at least AU$500 using your Bankwest credit card (additional card) before leaving Australia, then you’re eligible for the international travel insurance including the rental vehicle excess cover – that is even if your husband is not travelling with you.
Hope this has helped.
Cheers,
May
Would I be covered for travel insurance my age 83
Hi George,
Thanks for your question.
There is no age limit to be covered by Bankwest credit card complimentary travel insurance, although limits apply for pre-existing medical conditions.
Cheers,
Anndy
Hi,
“Step 1. Purchase a return overseas travel ticket before leaving Australia”. Doesn’t specify if I must purchase with the Bankwest card.
If I (step 1) prepay overseas accommodation which is more than AUD$500 using the Bankwest card and then (step 2) purchase the return overseas travel ticket with cash, Am I eligible for insurance?
If above is true, what if I complied with step 1, and then purchased the return overseas travel ticket with Kris Flyer points instead of cash, am I eligible for insurance?
Hi Christopher,
Thanks for your question.
Please note that finder.com.au is a financial comparison and information service and is not a representative of Bankwest.
To be eligible for the International Travel Insurance Policy offered to Bankwest Gold or Platinum credit cardholders, you should buy the return travel tickets before you leave Australia and spend at least A$500 on prepaid travel costs using one or combination of the following methods:
• by charging to your eligible credit card account
• by redeeming your Bankwest More Rewards points (does not include any points redeemed for Frequent
Flyer programs)
• by paying using redeemable travel agency flight vouchers that can be obtained by converting your
Bankwest More Rewards points.
I hope this answers your question.
Cheers,
Anndy
Hi, were about to book a 14 day cruise from Singapore and flights fro, Perth .does the free insurance cover cruises ? And is diverticulitis covered as medical or does it require more insurance as pre existing conditions?
If we add hotel in few days is it covered or does it all need to be paid for in one transaction ?
Hi Linda,
Thanks for your inquiry.
Please note that you have come through to finder.com.au, a comparison website, and not Bankwest.
We can confirm that traveling via cruise is covered provided that your travel tickets have been pre-paid using your card.
Unfortunately, diverticulitis is not listed from the covered medical conditions on Bankwest’s travel insurance policy. You may need call or speak directly to Allianz to verify.
If you are a Bankwest World MasterCard, Platinum MasterCard or Gold MasterCard cardholder, you will be covered if you:
Spend at least A$500 of your prepaid travel costs (includes cost of return overseas travel ticket and/ or airport departure taxes; and/ or prepaid overseas accommodation/ travel; and/ or prepaid overseas itinerary items) by one or a combination of the following methods.
To find out more about the insurance policy, please refer to the PDS I have sent in your email.
I hope this helps.
Cheers,
Debbie