Virgin Money offers complimentary insurance on Virgin Australia Velocity High Flyer and Flyer credit cards, including complimentary international travel insurance on the Velocity High Flyer.
These policies are underwritten by Allianz Global Assistance (Allianz) and there are different conditions to get cover and make claims. That's why it's always best to read insurance policy documents. But if you just want an overview, here we have pulled out the key details for this cover.
Have a question or need to make a claim now? Call Allianz on 1800 072 791 (Australia) or +61 7 3305 7499 (overseas).
The Velocity High Flyer and Flyer credit cards offer different types of complimentary insurance. Here's a summary of what you can get with each card.
| Card | International travel insurance | Domestic travel insurance | Rental vehicle excess insurance in Australia | Purchase protection insurance | Extended warranty insurance |
|---|---|---|---|---|---|
| Virgin Australia Velocity High Flyer Card | |||||
| Virgin Australia Velocity Flyer Card - Bonus Points Offer |
This insurance includes emergency medical cover, luggage and some cancellations. The actual cover you get is broken down into "benefits" based on what you can and can't claim. For some claims, you'll need to pay an excess before you'll get any money back if it's approved.
Here, we've broken down the key options for different types of benefits, with basic examples of when you might make a claim. But remember: you should always read the insurance policy booklet for complete details of the cover.
| Benefit | Claim limit | Excess payment (per claim) |
|---|---|---|
| Overseas emergency assistance | Unlimited | $0 |
| Overseas emergency medical | Unlimited except for emergency dental | $400 |
| Overseas emergency dental expenses due to sudden, acute pain (toothache) | $2,000 per person | $400 |
| Hospital cash allowance | $100 per day up to a maximum total limit of $15,000 for a cardholder travelling with their spouse and/or dependants | $200 |
| Loss of income | Your verified income per person per week, up to a maximum total limit of $13,000 for a cardholder and spouse | $0 |
| Assault requiring hospital admission | $500 per person | $0 |
| Permanent disability | $50,000 for a cardholder travelling with their spouse and/or dependants | $0 |
| Benefit | Claim limit | Excess payment (per claim) |
|---|---|---|
| Cancellation (specific situations only) | Up to a maximum total limit of $50,000 for a cardholder or spouse (dependants are included in the limit available to the cardholder or spouse) except: Travel agents cancellation fees: Rescheduling your journey: Up to a maximum total limit of $250 per person for reasonable internet use and telephone expenses to reschedule your journey. | $400 |
| Rental vehicle excess | Rental vehicle damage or theft: Up to a maximum total limit of $10,000 per cardholder or spouse and/or dependants Return of rental vehicle: | $400 |
| Additional expenses Note: This benefit has different sub-limits based on the situation, which we have listed separately. | Unlimited, except for specific sub-limits (e.g. return home and resumption of journey) | $400 |
| Return home and resumption of journey (including following the death of a relative) Note: This is a sub-limit of the "Travel delay expenses" benefit in the insurance policy document. | Up to a maximum total limit of $5,000 for a cardholder travelling with their spouse and/or dependants | $0 |
| Travel delay expenses | After 6 consecutive hours of delay, up to $500 per person for meal and accommodation expenses, up to a maximum total limit of $2,000 for a cardholder travelling with their spouse and/or dependants | $0 |
| Alternative transport expenses | Up to $3,250 for a cardholder travelling with their spouse and/or dependants | $400 |
| Withdrawal of services | $50 per person per 24 consecutive hours, up to a maximum total limit of $500 for a cardholder travelling with their spouse and/or dependants | $0 |
| Domestic pet accommodation | Up to a maximum total limit of $500 for a cardholder travelling with their spouse and/or dependants | $0 |
| Emergency accommodation due to terrorism | Up to $300 per person, per day, up to a maximum total limit of $3,000 for a cardholder travelling with their spouse and/or dependants | $0 |
| Benefit | Claim limit | Excess payment (per claim) |
|---|---|---|
| Luggage Note: Sporting goods aren't covered when in use. Valuables left in a vehicle or placed in check-in typically won't be covered. Separate limits apply for business items and valuables left unattended in a vehicle. | Up to a maximum total limit of $15,000 for a cardholder travelling with their spouse and/or dependants subject to the following limits:
| $400 |
| Travel documents, transaction cards and traveller's cheques | Up to a maximum total limit of $5,000 for a cardholder travelling with their spouse and/or dependants | $0 |
| Luggage delay | Up to $500 per person after a delay of 10 consecutive hours, an additional $1,000 after a delay of 72 consecutive hours, up to a maximum total limit of $1,500 for a cardholder travelling with a spouse and/or dependants | $0 |
| Replacement sporting equipment | Up to a maximum total limit of $200 for a cardholder travelling with a spouse and/or dependants | $0 |
| Benefit | Claim limit | Excess payment (per claim) |
|---|---|---|
| Accidental death | $50,000 per cardholder $50,000 per spouse $25,000 per dependant Up to a maximum total limit of $150,000 | $0 |
| Funeral expenses | Up to $60,000 per cardholder or spouse and/or dependants | $0 |
| Personal liability | Up to $2.5 million per cardholder or spouse and/or dependants | $0 |
| Hijack | Up to a maximum total limit of $10,000 for a cardholder travelling with their spouse and/or dependants | $0 |
| Legal expenses | Up to a maximum total limit of $15,000 per cardholder or spouse and/or dependants | $0 |
All insurance policies have details of when you will and won't get cover, so check the insurance booklet before you book a trip or make a claim. With Virgin Money credit card complimentary international travel insurance, some of the key situations that aren't covered include:
These are only a few examples of when you won't get cover under this policy. Check the Virgin Money credit card insurance policy booklet or call Allianz on 1800 072 791 for more details about the exclusions.
Yes, for claims made on or after 1 November 2023 there is some cover related to COVID-19. This includes:
To make a claim, you need to be positively diagnosed with COVID-19 (or another pandemic/epidemic disease) and meet all the other requirements for a claim. This also extends to an eligible spouse or dependants travelling with you – but won’t apply if you’re travelling against government advice. As there are lots of conditions to meet for this type of cover, make sure you read the policy booklet or call Allianz on 1800 072 791 before you travel.
If you need cover for a skiing trip, bungee jumping or other overseas adventures, check out adventure sport travel insurance costs and conditions.
If you're planning a trip and want cover through your Virgin Money credit card, you'll need to meet the following requirements:
Yes, your spouse and eligible dependants (i.e. your children) can also get cover when you meet the eligibility requirements for international travel insurance. For them, the key requirements to get cover are:
They also need to meet the other conditions of the insurance policy. Keep in mind that some claims have different limits for a spouse or dependants compared to what you (as the primary cardholder) get.
A pre-existing medical condition can affect your travel insurance cover and usually refers to health conditions you've recently been treated for or manage on an ongoing basis.
With Virgin Money's complimentary international travel insurance, you can only get cover for a pre-existing medical condition if you apply and get written confirmation from Allianz Global Assistance.
You can do this online or by calling Allianz on 1800 072 791 before you go overseas. If your request is approved, you’ll need to pay a $75 administration fee and will then be sent written confirmation that your pre-existing condition is covered.
This policy offers limited cover for pregnancies, but the amount and type of cover varies.
For example, if you become pregnant after booking your trip and meeting the eligibility requirements for this cover, you’ll be able to get cover for any complications of your pregnancy that arise from injury or sickness.
There is no cover for childbirth, except if it is the result of injury or sickness. If you are pregnant or planning for pregnancy, make sure you check the insurance policy or contact Allianz directly for full details on cover.
First, contact Allianz as soon as anything happens by calling +617 3305 7499 from overseas or 1800 072 791 from Australia. They will be able to advise you on the claim or claims you want to make at the time.
You can then submit a claim online by following these steps:
You will hear back about your claim within 10 business days.
With insurance claims, including as much detail as possible makes it easier for the insurer to consider the claim and your eligibility for a payout.
So when you're travelling with this cover, aim to get as much written or photo evidence as you can for any claims you need to make. This could include:
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 Virgin Money card insurance policy booklet – plus anything that could become supporting documentation for future claims.
To make a claim under one of these policies, download a claim form online at https://claims.agaassistance.com.au/ or call Allianz on 1800 072 791.
Virgin Money credit cards give you access to other types of insurance, which are also provided by Allianz. Here’s a basic explainer of each one:
Don't have complimentary insurance on your credit card yet? Compare Virgin Money credit cards or check out other cards that offer insurance.
Looking for a credit card that rewards you when you spend? Check out Finder's review of the Virgin Money Anytime Rewards Credit Card.
Get up to 60,000 bonus Velocity Points, a yearly $129 Virgin Australia gift voucher and points per $1 on all eligible spending.
The Virgin Australia Velocity High Flyer has a bonus Velocity Points offer, lounge passes and a yearly flight benefit. So is it worth the $329 annual fee?
This Virgin Australia Velocity Flyer offer gives you 0% interest on a balance transfer for 24 months and a $0 annual fee for the first year.
As well as a competitive variable purchase rate, the Virgin Money Low rate card has a balance transfer offer that can help you save on existing debts.
Take advantage of no annual fee and up to 55 interest-free days on purchases with the Virgin No Annual Fee Credit Card.
Earn Velocity Points as you spend and save with 0% interest on purchases and balance transfers for 14 months with the Virgin Australia Velocity Flyer Card.
Two questions.
I am planning on an overseas trip beginning in February 2024 with my companion , paid in full with my Virgin Credit Card , is she covered by my Card
Hi Anthony,
Yes, if your companion is considered as your spouse, they would get access to this cover when you meet the eligibility requirements. Here’s the definition of “spouse” in the policy document booklet: “a partner of the cardholder who is permanently living with the cardholder at the time the journey or trip starts”. If you have further questions about eligibility for cover or any other details of the insurance, you can contact Allianz (the insurance provider) 1800 072 791. I hope this helps.
I have a High Flyer Card and have booked a one-way cruise ship trip. We used our Velicity points to book the flights to the embarkation port (Hawaii). Does my High Flyer Card complementary insurance cover us fully on the cruise ship?
Hi Steve,
You can check your eligibility and cover with the insurance provider, Allianz, by calling 1800 072 791. For reference, booking an overseas travel ticket with Velocity Points is listed as an option in the eligibility section of the insurance policy document. But there are other requirements and details about cruises so it’s a good idea to double-check with the insurer. I hope this helps.
I have purchased an overseas holiday with full payment being made through a travel company. The travel company has made the flight bookings on our behalf so I need to know if the travel insurance on my credit card will provide my wife and I with cover
Hi Tony,
According to the terms and conditions, if you have a current, valid Virgin Australia High Flyer credit card, “charging the cost of the overseas travel ticket to the account holder’s card account” is one way to get cover for a trip of up to 6 months. As there are other eligibility requirements and conditions around pre-existing conditions, you may want to call the insurance provider, Allianz, on 1800 072 791 for full details of the cover. I hope this helps.
I do not know what type my Velocity credit card is, and I am 81 years old, so can I get travel insurance on it?
Hi Wendy,
You can call Virgin Money on 13 37 39 to find out what type of credit card you have and if it offers travel insurance. Alternatively, you can compare travel insurance for people aged over 80, including prices and what’s covered. I hope this helps.
Could you please forward a copy of the policy for complimentary travel insurance for use with Virgin High Flyer credit card. I’m assuming it is with Alliance Insurance.
Hi Deborah,
Here’s a link to the complimentary insurance terms and conditions document (pdf) effective 1 June 2022. That’s the version currently available on the Virgin Money website (at the time of writing).
Just keep in mind that they do get updated periodically. So if you need to reference it in the future, check the Virgin Money credit card forms and T&Cs webpage for updates to it. Hope that helps!