If you're planning a holiday and want to get travel insurance through your credit card, most of the time your cover will extend to your partner and children when all of you meet the requirements for cover. This typically includes paying for some or all of your travel booking and travelling together for most or all of the trip.
It is different for every travel insurance policy though, which is why it's important to read the policy document. But if you just want a quick look at what's available right now, here are the key details for different credit card insurance options that cover your whole family.
We've looked at some of Australia's major credit card providers that offer complimentary travel insurance that covers you and your family. You can search for a brand here to see which insurance company provides the cover.
| Card issuer | Insurance provider | Includes partner and children |
|---|---|---|
| ANZ | Allianz | Yes |
| American Express | Chubb | Yes |
| Bankwest | Cover-More | Yes |
| BankSA | Allianz | Yes |
| Bank of Melbourne | Allianz | Yes |
| Bank of Queensland | Allianz | Yes |
| Citi | Allianz | Yes |
| Commonwealth Bank | Cover-More | Yes |
| HSBC | Allianz | Yes |
| NAB | Allianz | Yes |
| Qantas Money | Chubb | Yes |
| Suncorp | Allianz | Yes |
| St.George | Allianz | Yes |
| Virgin Money | Allianz | Yes |
| Westpac | Allianz | Yes |
Remember, every travel insurance policy has different requirements, terms and conditions. So always check the complimentary insurance policy document for full details.
The definition of a spouse and dependent children is slightly different for each complimentary credit card travel insurance policy. But they are generally along the lines of the following definitions:
This may include your husband, wife, spouse or de-facto partner who is permanently living with you at the time that your journey begins. You may need to show proof of your relationship. Some policies may require you to have lived with your partner for a set period (such as 3 consecutive months) prior to the trip.
The term dependent children refers to your unmarried child or children, typically up to the age of 16 or 18. It can also include children who are 24 years old or younger if they live with you or are enrolled in full-time higher education.
Some policies may have a broader definition to include dependents older than 18 if they have a condition that makes them reliant on you. So it's worth checking your card's insurance policy or contacting the insurer to confirm who is eligible for cover.
| Response | Female | Male |
|---|---|---|
| I've never used credit card insurance | 65.69% | 57.71% |
| Travel insurance | 25.86% | 33.27% |
| Purchase insurance | 6.38% | 12.41% |
| Rental car insurance | 7.59% | 10.71% |
| Extended warranty insurance | 5.34% | 9.4% |
| Transit accident insurance | 2.93% | 5.45% |
| Other | 0.86% | 0.56% |
Every complimentary credit card travel insurance policy has different conditions you need to meet for cover. They can also have separate requirements for your spouse and dependents. Some of the most common include:
Generally, no. Coronavirus is a pandemic and most travel insurance policies do not offer cover for epidemics or pandemics.
We know how confusing the coronavirus situation can be when you're planning a trip, which is why Finder has a whole guide on coronavirus and travel insurance – including policies that offer some cover and answers to key questions.
Most credit cards with complimentary travel insurance provide cover for your partner and children joining you on your trip. However, make sure to check your card's insurance policy to check any exclusions, eligibility requirements or steps you need to activate the insurance before you leave for your holiday.
Want to learn more? Check out Finder's guide to credit cards with complimentary travel insurance.
Compare credit cards that offer complimentary travel insurance for cardholders aged 65 or over.
If you use a credit card with a guaranteed pricing policy after making a purchase then later find a cheaper deal with same item, this policy kicks in to pay you the difference.
Buying extended warranty on new purchases can be an additional cost you don't really need. Thankfully, many credit cards offer this as an added benefit.
If you are renting a car and want to be covered in the case of accidents, then this insurance is for you. Check first your insurance policy and find out which coverage extends to your rental vehicle.
Compare credit cards that offer complimentary purchase protection insurance and cover your purchases against loss, damage and theft.