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Westpac Travel Insurance

Our verdict: Westpac Travel Insurance covers the basics and offers helpful add-ons, but its cover for COVID-19 could be stronger.

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Nicola Middlemiss

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Westpac

Pros

  • You can set your own cancellation limit on both the comprehensive and essential plans, making it suitable for trips of all budgets.
  • Rental vehicle excess is included as standard in the comprehensive policy.

Cons

  • Cover for COVID-19 is limited. In most cases, you or your travelling companion would need to be diagnosed with COVID-19 to claim.
  • Pregnancy isn't covered after the 23rd week, but we found 11 brands that would extend cover for longer.
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Summary of Westpac International Comprehensive policy

Overseas Medical and Hospital Expenses$20,000,000
Cancellation and Amendment FeesCover chosen
Luggage and Personal Effects$10,000
Maximum Age Limit120

Table updated October 2023

How does Westpac Travel Insurance cover COVID-19?

Westpac offers some cover for claims related to COVID-19. Here's what you can expect:

  • Any costs incurred from having to cancel, delay or change your trip because you or a travelling companion are diagnosed with COVID-19 - that includes additional accommodation and travel expenses.
  • Overseas emergency medical costs if you need treatment for COVID0-19while on your trip
  • Transport of your remains or burial costs if you die as a result of COVID-19 during your trip.

There are some scenarios that are not covered by Westpac including costs incurred as a result of mandatory quarantine or isolation, border closures or government travel bans.

Also, if you were diagnosed with COVID-19 before heading on your trip but you went anyway, you won't be covered for any COVID-related overseas medical expenses.

What do Australians think of Westpac travel insurance?

  • 4.16/5 overall for Customer Satisfaction — lower than the average of 4.26
  • 4.46/5 for Trust — lower than the average of 4.57
  • 4.11/5 for Customer Service — lower than the average of 4.2

Based on Westpac travel insurance scores in Finder's 2024 Customer Satisfaction Awards.

What policies does Westpac offer?

Westpac offers five insurance policies to travellers: Comprehensive, Essentials, Domestic, Multi-Trip and Non-Medical.

Travel plane luggage passport

Comprehensive

Passport

Essentials

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Domestic

Hiking

Multi-Trip

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Non-Medical

The insurer of this product is Allianz Australia Insurance Limited. It comes with a cooling-off period of 14 days and choice of $200 standard excess for international plans.

Here's a breakdown of Westpac Travel Insurance features

Standard features
Optional add-ons
Exclusions

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Standard features

These are some of the main insured events that Westpac will cover. Some of these benefits may only be available on the comprehensive international policy.

  • Overseas medical treatment
  • Lost, damaged or stolen property
  • Trip cancellation or amendment
  • Additional accommodation and transport
  • Rental vehicle excess
  • Theft of money
  • Luggage and travel delay
  • Emergency dental costs
  • Kidnap and hijack
  • Personal liability
  • Permanent disability
  • Accidental death

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Optional add-ons

Westpac also offers four add-ons that provide cover for a wider range of risks.

  • Adventure Pack. Cover for a broader range of activities that are deemed higher-risk, including moped riding, river tubing and quad biking.
  • Snow Pack.Cover for participation in snow sports, plus cover for specific risks such as piste closure, avalanches, and equipment hire.
  • Cruise Pack Extends your insurance policy to cover cruises and covers a range of specific risks such as cabin confinement, missed short excursions, and marine rescue.

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Exclusions

Unfortunately, travel insurance doesn't cover everything. Generally, Wetpac will not pay your claim if it relates to:

  • Unlawful, wreckless or unreasonably unsafe behaviour by you
  • Behaviour while you were drunk or under the influence of drugs
  • Expenses related to a pre-existing medical condition
  • An act of war, invasion or revolution
  • Insolvency of a travel agent, tour operator or accommodation provider
  • Mandatory quarantines or isolations
  • An act of war, invasion or revolution
  • You being unfit to travel or travelling against medical advice
  • Childbirth or pregnancy complications after the 24rd week of gestation or if you have had previous pregnancy complications
  • A multiple pregnancy or one where the conception was medically assisted
  • An elective medical or dental treatment, cosmetic procedure or body modification (including tattoos or piercing)
  • Self-inflicted injury or illness, suicide or attempted suicide

Make sure you review the Westpac PDS for a detailed breakdown of what won't be covered, found under its list of general exclusions.

How to make an Westpac Travel Insurance claim

You can lodge a claim online via the AGA website, or email travelclaims@allianz-assistance.com.au.

Alternatively, you can lodge a claim over the phone by calling AGA on 1800 502 077, 8am–7pm, Monday–Friday or 8am–5pm on Saturday.

Here's the bottom line about Westpac Travel Insurance

Westpac has a decent range of customisations, including an adjustable excess and cancellation limits, as well as specific add-ons for snow sports, adventure activities, and cruising.

This makes the policy suitable for a wide range of travellers and trip types. However, cover for COVID-19 is limited so if you want comprehensive protection, you might have to look elsewhere.

If you're still not sure about Westpac, you can compare other travel insurance companies here.

Frequently asked questions

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Senior writer

Nicola Middlemiss is a contributing writer at Finder, with a special interest in personal finance and insurance. Formerly a business and finance journalist, Nicola has written thousands of articles helping Australians better understand insurance and grow their personal wealth. She has contributed to a wide range of publications, including Domain, the Educator, Financy, Fundraising and Philanthropy, Insurance Business, MoneyMag, Mortgage Professional, Yahoo Finance, Your Investment Property, and Wealth Professional. Nicola has a Tier 1 General Insurance (General Advice) certification and a Bachelor's degree from the University of Leeds. See full bio

Nicola's expertise
Nicola has written 237 Finder guides across topics including:
  • Personal finance
  • Personal insurance, including car, health, home, life, pet and travel insurance
  • Commercial business insurance
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12 Responses

    Default Gravatar
    teranceNovember 14, 2024

    does westpac travel insurance cover flight cancellation because of volcanic ash

      AvatarFinder
      AngusNovember 14, 2024Finder

      Hi Terance, A couple of points. Typically insurers cover unknown events, so if you had taken out insurance prior to volcanic activity commencing, you might be covered (assuming your policy covers cancellations – some basic policies may not). However, insurance taken out after volcanic activity occurs (as has been the case in Bali this week as I write this) would not cover it. Secondly, in the event of flight cancellations the first responsibility sits with the airline – only once those options are exhausted would travel insurance come into play.

    Default Gravatar
    kenJanuary 12, 2024

    my brother Garry legge has account with Westpac and we are going to England and France in August he has travel insurance through you he said if he pays my fair i can be covered under a family pack is this true

      AvatarFinder
      SarahJanuary 12, 2024Finder

      Hi Ken,

      Generally, the travel insurance offered on a credit card can only extend to the spouse and children. You can read more about it here. It is unlikely you will be covered, but you can contact Westpac for confirmation on 13 20 32.

    Default Gravatar
    PRAVINJune 20, 2018

    I have booked a hotel in Bali by using my Westpac credit card. I have also paid taxes for the Jetstar flights to Bali.
    How much do I need to spend to be covered by WBC travel insurance

      Default Gravatar
      AshJune 20, 2018

      Hi Pravin,

      Thank you for visiting finder.

      To be eligible for the Complimentary Travel Insurance from Westpac, you need to have a return ticket to Australia and use your credit card to pay for a minimum of $500AUD of your travel cost. The eligible cost includes:

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

      Once you have met all the conditions above, you will be automatically covered by the travel insurance.

      I hope this helps.

      Let us know if there is anything else that we may assist you with.

      Cheers,
      Ash

    Default Gravatar
    JohnOctober 14, 2017

    Do I have to bank with Westpac to be eligible to purchase travel insurance

      Default Gravatar
      ArnoldOctober 15, 2017

      Hi John,

      Thanks for your inquiry.

      No, you don’t. You may purchase a policy without banking with Westpac. Some Westpac cards do offer complimentary travel insurance. You may also check our Westpac Complimentary Insurance Policy Overview for more information.

      As a gentle reminder, please ensure you review the relevant Product Disclosure Statements/Terms and Conditions before applying.

      Hope this information helps

      Cheers,
      Arnold

    Default Gravatar
    GarryMay 24, 2016

    Hi I have Westpac credit card .do Westpac give free travel insurance to it customers like comm bank do for there customers.

      AvatarFinder
      RichardMay 24, 2016Finder

      Hi Garry,

      Thanks for your question. Some Westpac cards do offer complimentary travel insurance. You may find our Westpac credit card’s complimentary insurance policy review useful.

      I hope this was helpful,
      Richard

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