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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Amy has written 579 Finder guides across topics including:
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.
barry
we have booked a flight to the u/k plus hotels and car hire all paid for with my more world mastercard but since you switched to allianz
iam finding the new rules confusing my main concern is if their is any
age limit i am 79 and my wife is 74.
Finder
JonathanMarch 1, 2016Finder
Hi Barry, thanks for your inquiry!
There is no age limit to be covered by this insurance policy although limits apply for pre-existing medical conditions.
Cheers,
Jonathan
KerrieFebruary 14, 2016
I have purchased the tickets for an OS trip in June. Do I have to register that I have done this with the bank or is the cover automatic?
Finder
JonathanFebruary 15, 2016Finder
Hi Kerrie,
Thanks for your inquiry!
You will be automatically covered by this travel insurance when you meet the following eligibility criteria:
-You are under 80 years of age.
-You are travelling to an overseas destination.
-You hold an eligible credit card at the time of loss (when the claim event occurs). Eligible credit cards include a Bankwest Gold, Platinum or World Mastercard that has been activated and is not cancelled or suspended.
Your spouse and children are also eligible for cover if they meet these eligibility requirements and are travelling with you for your entire journey.
Please make sure to read the eligibility criteria, features and details of the policy, as well as the relevant Product Disclosure Statement to ensure you are covered before you travel.
Cheers,
Jonathan
JoeFebruary 7, 2016
I have a Bankwest Qantas world MasterCard. Does the complimentary travel insurance cover an overseas trip purchased with QF frequent flyer points and the taxes and charges as well as hotels were paid for using the card?
Finder
JonathanFebruary 8, 2016Finder
Hi Joe, thanks for your inquiry!
The International Travel Insurance policy is available to Bankwest World MasterCard, Platinum MasterCard and Gold MasterCard cardholders. The cardholder’s spouse and/ or dependent children also become eligible for this travel insurance policy when they meet the eligibility requirements outlined below:
Step 1. Purchase a return overseas travel ticket before leaving Australia
Step 2. 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
Step 3. Charge at least A$500 of your prepaid travel costs to your eligible credit card account and/ or; redeeming your Bankwest More Rewards points (excluding any points redeemed for Frequent Flyer programs); and/ or paying with redeemable travel agency flight vouchers obtained by converting your Bankwest More Rewards points.
To answer your inquiry providing that your Qantas Frequent Flyer points have been obtained by converting your Bankwest More Rewards points into redeemable travel agency flight vouchers you will be covered under this policy. Otherwise you will have to meet the eligible prepaid travel costs by one of the methods mentioned above.
Cheers,
Jonathan
joeFebruary 9, 2016
Thank you. A point in your answer needs clarification. you answer states that the rule is to the effect that I have spent at least $500 “of” my travel costs. The rule in fact uses “on” and not “of”. The effect of this tiny change, read in the context of all relevant rules is to the effect that all costs must be put on the card as money or Bankwest More Rewards points or redeemable travel agency vouchers, but cannot be Frequent Flyer points, and that all these costs must amount to a minimum of $500. Allianz have advised that this is their interpretation. All very confusing and these rules should be written in plain English. Can you assist in having these rules clarified?
Finder
JonathanFebruary 9, 2016Finder
Hi Joe, thanks for your response.
That is correct. Unfortunately frequent flyer points spending will not contribute towards the required $500 prepaid spend.
Cheers,
Jonathan
ThomasNovember 4, 2015
I would just like to confirm what the below clause under the rental vehicle excess cover means:
“You have taken out comprehensive car insurance against loss or damage to the vehicle as part of the rental contract”
If I take out comprehensive car insurance, why would I need the insurance provided under the Bankwest Platinum credit card? Doesn’t taking out an insurance beat the whole purpose of the excess cover on the credit card?
Thanks,
Thomas
Finder
JonathanNovember 4, 2015Finder
Hi Thomas, thanks for your inquiry!
Taking out a comprehensive car insurance policy will insure you against paying the full amount of the repair, allowing you to instead pay an excess to cover the damages. The rental vehicle excess cover means that this excess amount that you would usually owe the insurance company will be covered by your credit card insurance policy.
Cheers,
Jonathan
peterOctober 25, 2015
we are platinum card holders and we want to be advised how we get a policy as described so we may better understand the procedure of actually proving coverage or do we just take the orange brochure as our coverage. We are travelling by ship also next year and the shipping company have asked us to provide proof of travel insurance. Please can you advise… Regards Peter
Finder
DebbieOctober 26, 2015Finder
Hi Peter,
Thank you for your inquiry.
Yes, the Complimentary Credit Card Insurance booklet includes the policy for the travel insurance. Please refer to the link I’ve sent you in your email.
I hope that helps.
Cheers,
Debbie
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barry
we have booked a flight to the u/k plus hotels and car hire all paid for with my more world mastercard but since you switched to allianz
iam finding the new rules confusing my main concern is if their is any
age limit i am 79 and my wife is 74.
Hi Barry, thanks for your inquiry!
There is no age limit to be covered by this insurance policy although limits apply for pre-existing medical conditions.
Cheers,
Jonathan
I have purchased the tickets for an OS trip in June. Do I have to register that I have done this with the bank or is the cover automatic?
Hi Kerrie,
Thanks for your inquiry!
You will be automatically covered by this travel insurance when you meet the following eligibility criteria:
-You are under 80 years of age.
-You are travelling to an overseas destination.
-You hold an eligible credit card at the time of loss (when the claim event occurs). Eligible credit cards include a Bankwest Gold, Platinum or World Mastercard that has been activated and is not cancelled or suspended.
Your spouse and children are also eligible for cover if they meet these eligibility requirements and are travelling with you for your entire journey.
Please make sure to read the eligibility criteria, features and details of the policy, as well as the relevant Product Disclosure Statement to ensure you are covered before you travel.
Cheers,
Jonathan
I have a Bankwest Qantas world MasterCard. Does the complimentary travel insurance cover an overseas trip purchased with QF frequent flyer points and the taxes and charges as well as hotels were paid for using the card?
Hi Joe, thanks for your inquiry!
The International Travel Insurance policy is available to Bankwest World MasterCard, Platinum MasterCard and Gold MasterCard cardholders. The cardholder’s spouse and/ or dependent children also become eligible for this travel insurance policy when they meet the eligibility requirements outlined below:
Step 1. Purchase a return overseas travel ticket before leaving Australia
Step 2. 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
Step 3. Charge at least A$500 of your prepaid travel costs to your eligible credit card account and/ or; redeeming your Bankwest More Rewards points (excluding any points redeemed for Frequent Flyer programs); and/ or paying with redeemable travel agency flight vouchers obtained by converting your Bankwest More Rewards points.
To answer your inquiry providing that your Qantas Frequent Flyer points have been obtained by converting your Bankwest More Rewards points into redeemable travel agency flight vouchers you will be covered under this policy. Otherwise you will have to meet the eligible prepaid travel costs by one of the methods mentioned above.
Cheers,
Jonathan
Thank you. A point in your answer needs clarification. you answer states that the rule is to the effect that I have spent at least $500 “of” my travel costs. The rule in fact uses “on” and not “of”. The effect of this tiny change, read in the context of all relevant rules is to the effect that all costs must be put on the card as money or Bankwest More Rewards points or redeemable travel agency vouchers, but cannot be Frequent Flyer points, and that all these costs must amount to a minimum of $500. Allianz have advised that this is their interpretation. All very confusing and these rules should be written in plain English. Can you assist in having these rules clarified?
Hi Joe, thanks for your response.
That is correct. Unfortunately frequent flyer points spending will not contribute towards the required $500 prepaid spend.
Cheers,
Jonathan
I would just like to confirm what the below clause under the rental vehicle excess cover means:
“You have taken out comprehensive car insurance against loss or damage to the vehicle as part of the rental contract”
If I take out comprehensive car insurance, why would I need the insurance provided under the Bankwest Platinum credit card? Doesn’t taking out an insurance beat the whole purpose of the excess cover on the credit card?
Thanks,
Thomas
Hi Thomas, thanks for your inquiry!
Taking out a comprehensive car insurance policy will insure you against paying the full amount of the repair, allowing you to instead pay an excess to cover the damages. The rental vehicle excess cover means that this excess amount that you would usually owe the insurance company will be covered by your credit card insurance policy.
Cheers,
Jonathan
we are platinum card holders and we want to be advised how we get a policy as described so we may better understand the procedure of actually proving coverage or do we just take the orange brochure as our coverage. We are travelling by ship also next year and the shipping company have asked us to provide proof of travel insurance. Please can you advise… Regards Peter
Hi Peter,
Thank you for your inquiry.
Yes, the Complimentary Credit Card Insurance booklet includes the policy for the travel insurance. Please refer to the link I’ve sent you in your email.
I hope that helps.
Cheers,
Debbie