Westpac credit card complimentary travel insurance
A Westpac credit card with travel insurance offers you cover for overseas or interstate trips – here’s how it works.
Westpac offers complimentary travel insurance on its platinum and black credit cards, with policies that cover domestic and international trips. Some Westpac cards also offer complimentary insurance for eligible items you buy.
These insurance policies are underwritten by Allianz Australia Insurance Limited (Allianz). Just like any insurance, there are conditions you need to meet to get cover and make a claim. That's why it's always best to read the policy document. But if you're after a snapshot, we cover some of the key details about Westpac cards that offer cover, the type of cover available and when you'll get it.
Have a question or need to make a claim right now? Call Allianz Global Assistance on 1800 091 710 (Australia) or +61 7 3305 7468 (overseas).
Which Westpac credit cards have complimentary travel insurance?
If you don't have a Westpac credit card yet, you can get complimentary travel insurance with a new platinum or black credit card. The length of cover you get depends on the card, as we’ve shown in the table.
| Card | International travel insurance for up to 6 months (Level 1 cards) | International travel insurance for up to 3 months (Level 2 cards) | Overseas transit accident insurance | Domestic interstate flight inconvenience insurance | Rental vehicle excess in Australia insurance | Purchase protection insurance | Extended warranty insurance |
|---|---|---|---|---|---|---|---|
| Westpac Altitude Platinum Card | |||||||
| Westpac Altitude Black | |||||||
| Westpac Altitude Qantas Platinum | |||||||
| Westpac Altitude Qantas Black | |||||||
| Westpac Altitude Velocity Platinum | |||||||
| Westpac Altitude Velocity Black |
What this shows is that Westpac’s complimentary international travel insurance for Altitude Platinum and Black cards is separated into Level 1 and Level 2 categories. The key difference between these levels is the length of cover: you get up to 3 months with an Altitude Platinum card and up to 6 months with an Altitude Black card.
If you have a Westpac business credit card, check the complimentary insurance details here.
Have a Westpac credit card that’s not on this list? Check the terms and conditions available on the Westpac website to see if your card is eligible.
What’s covered by Westpac complimentary international travel insurance?
Westpac’s complimentary international travel insurance includes cover for luggage, cancellation and emergency medical, with some options for COVID-19. The insurance is broken down into “benefits” based on what you can and can’t claim. Some claims also have an excess charge if your claim is approved, which you need to pay before you’ll get any money back.
To help you understand the cover available, we’ve put the key options for different types of claims into tables, with basic examples of when you might use the cover. But remember: you should always read the insurance policy booklet for complete details of the cover.
Keep in mind: Westpac complimentary international insurance is split into 2 levels for different cards. With a level 1 card (e.g. Altitude Black), you’ll get this cover for up to 6 consecutive months of overseas travel. With a level 2 card (e.g. Altitude Platinum), you’ll get cover for trips of up to 3 consecutive months. Remember to check your card level before booking a trip or making a claim – we’ve listed the levels for different cards in this guide. These details are also in the insurance policy booklet.
Medical, dental and emergencies cover with a Westpac credit card
| Benefit | One example of when you'd use this | Claim limit for people under 81 years old | Excess payment (per claim) |
|---|---|---|---|
| Overseas emergency assistance | If you get food poisoning overseas and have to see a doctor or change your travel plans. | Unlimited | $0 |
| Overseas emergency medical | If you get sick with COVID-19 and are positively diagnosed, then have to pay to see a doctor or other medical professional. | Unlimited | $300 |
| Evacuation and repatriation | If you become sick or injured overseas and need to be taken to a local hospital or one that's back in Australia. | Unlimited | $300 |
| Overseas emergency dental expenses for spontaneous toothache | If you’re overseas and have to see a dentist because of a toothache that’s not related to any other dental issues. | Up to $2,000 per person | $300 |
| Hospital cash allowance | If you’re treated as an in-patient at an overseas hospital for more than 1 full day (24 hours) because of a covered health issue, this allowance helps cover the extra costs. | $100 per person per day, up to a maximum of $15,000 per person | $300 |
| Assault requiring hospitalisation | If you’re attacked and need to be treated as an in-patient at a hospital. Note that you need a written police report and written advice from the doctor or medical adviser that treated you to make a claim. | $500 per person | $0 |
| Loss of income | If you or your spouse is injured overseas, gets treatment and experiences disability for at least 30 days after you return to Australia and have medical advice stating that you can’t return to work because of it. | Your verified income, up to $1,000 per person per week for a cardholder and spouse, limited to 12 consecutive weeks and a maximum of $12,000 for all claims combined. | $0 |
| Additional expenses | If you or a companion is injured to the point of incapacity, you could claim extra accommodation or travel. | Unlimited | $300 |
Westpac complimentary international travel insurance for cancellation, delays and transport
| Benefit | One example of when you'd use this | Claim limit for people under 81 years old | Excess payment (per claim) |
|---|---|---|---|
| Cancellation (specific situations only) | If your journey is cancelled, disrupted or rescheduled because of your death or the unforeseen death of a partner, parent, sibling, child or other specified relative that lives overseas. | Unlimited (within reason), except for the following:
| $300 |
| Travel delay | If a flight was delayed by 6 hours or more and the airline didn’t offer compensation, you could claim food, accommodation or other eligible expenses. | Up to $500 per person for meals and accommodation ($1,100 max) | $300 |
| Alternative transport expenses Note: Acts of terrorism and the financial collapse of the transport company are not covered. | If your transport is delayed or cancelled and it means you wouldn’t make it to a conference, wedding or major event booked before you left Australia, this helps cover the cost of reasonable travel expenses to get you there. | Up to $3,750 | $300 |
| Domestic pets (additional boarding costs in Australia) | If your return home is delayed for a covered reason and it means you have to pay extra boarding fees for your cat or dog that lives in Australia, you could make a claim under this benefit. | Up to $50 per 24 hours ($500 max) | $0 |
| Return home and resumption of journey following the death of a relative | f a relative in Australia dies unexpectedly when you’re travelling, you could submit a claim to cover the cost. | Up to $5,750 per person ($12,500 max) | $300 |
| Rental vehicle excess | If your overseas rental car is stolen or involved in an accident and the hire company agreement includes an excess that you need to pay, this cover can help with the cost. | Up to $5,500 | $300 |
Luggage and personal items cover offered with Westpac credit card complimentary insurance
| Benefit | One example of when you'd use this | Claim limit for people under 81 years old | Excess payment (per claim) |
|---|---|---|---|
| Luggage Note: Different sublimits apply depending on the items and where your luggage is held. | If you're travelling and your phone is stolen from your pocket or a handbag you have on you. | Up to $20,000 per person, with a maximum of $30,000 when travelling with family. There are the following sublimits: Baggage, clothing, personal valuables, portable electrical equipment and binoculars: Up to $5,000 per item Cameras and related equipment or accessories: Up to $5,500 per camera Laptops and related equipment or accessories: Up to $5,500 Covered items left in a vehicle (not valuables): Up to $5,000 Valuables left in a vehicle or checked baggage: Up to $5,500 (Note: this sublimit only applies to laptops, tablets and phones when an airline employee directs you to check them in or place them in the overhead locker for the whole flight, without any notice) | $300 |
| Travel documents, transaction cards and traveller’s cheques | If your passport is lost or stolen and you have reported it to the local police within 24 hours, you could claim the fees for reissuing it. | Up to $550 per person, with a maximum of $1,250 when travelling with a spouse or dependants | $0 |
| Luggage delay | If your luggage is delayed for more than 12 hours and the airline (or carrier) is at fault, you can get reimbursed for essential items you need to buy during that time. | Up to $800 with a maximum of $1,600 when travelling with a spouse or dependants | $0 |
Hijacking, kidnap and personal liability cover offered with Westpac complimentary credit card travel insurance
| Benefit | One example of when you'd use this | Claim limit for people under 81 years old | Excess payment (per claim) |
|---|---|---|---|
| Hijack Note: This cover does not apply to hijacking that is classed as an act of terrorism. | If your flight or cruise was hijacked, this cover would apply for each day you are held captive (up to the limit listed). | Up to $250 per person per 24 hours ($20,000 max) | $0 |
| Kidnap and ransom Note: This cover does not apply to kidnapping in Mexico or any country or waters located in Central America or South America (south of the US), the Philippines or Somalia. | If you’re kidnapped while travelling and need to pay a ransom. | Up to $100,000 | $0 |
| Personal liability | If you’re involved in an accident and become legally liable to pay compensation for someone else’s injuries or damaged property (when the person doesn’t live with you), this helps cover the legal costs. | Up to $2.5 million | $0 |
Westpac credit card complimentary international travel insurance for death and funerals
| Benefit | One example of when you'd use this | Claim limit for people under 81 years old | Excess payment (per claim) |
|---|---|---|---|
| Accidental death | If you are injured overseas and die within 12 months because of that injury. Or if the plane or boat you’re travelling on disappears and you’re declared dead within 12 months. | Up to $150,000 with the following sub-limits:
| $0 |
| Funeral expenses | If you die overseas and there is a funeral or your remains need to be brought back to Australia. Note that only some causes of death are covered. | Unlimited (within reason) | $0 |
Westpac complimentary international travel insurance and COVID-19
From 30 June 2022, Westpac’s complimentary international travel insurance includes details of when you can make claims related to COVID-19 and other known pandemics and epidemics. This includes for:
- Overseas emergency assistance
- Overseas emergency medical
- Medical evacuation and repatriation
- Cancellation
- Additional expenses
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. It also applies if a travel companion is positively diagnosed – but won’t apply if you’re travelling against government advice or if the mass media have published details of advice or warnings against travel.
As there are specific conditions to meet for this type of cover, make sure you read the amended policy booklet or call Allianz on 1800 091 710 before you travel.
What's not covered?
Every insurance policy has details of when you will and won’t get cover. These details can be very specific, which is why it is important to always check your insurance policy documents.
To give you an idea, here are some of the key things you won’t be covered for with Westpac credit card complimentary international travel insurance:
- Any act of war
- Issues that come up because of alcohol or non-prescription drugs
- Travel that’s for the purpose of medical treatment
- If you’re over 81 or anyone relating to a claim is over 81
- Changes to your plans due to regulations, prohibitions or intervention from a government or official body, including if details have been published in the mass media
- If you or your partner gives birth during the trip (except if it’s due to injury or sickness)
- 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
Keep in mind that countries and regions around the world currently have different restrictions and guidelines around the coronavirus pandemic. These can change, so it’s worth checking where you can travel before booking anything.
Want cover for COVID-19? Here’s what you need to know. And if you need cover for a skiing trip, bungy jumping or other overseas adventures, check out adventure sport travel insurance costs and conditions.
What do I need to do to use Westpac’s credit card international travel insurance?
To get international travel insurance cover through your Westpac Altitude Platinum or Black credit card, you’ll need to meet the following requirements:
- Travel bookings. You need to use your eligible Westpac credit card to pay for at least $500 of your travel expenses before the start of the trip. You also need a return ticket. An easy way to meet these requirements is to use your card to pay for your overseas flights.
- Australian residency. You must live in Australia and start and end your trip in Australia.
- Age. You’ll be covered if you’re under 81 years of age. If you’re over 81 and want overseas travel insurance, there are some policies you can buy that give you cover up to the age of 100.
Does Westpac credit card travel insurance cover family members?
Yes, if you meet the eligibility requirements for cover on an upcoming trip, your spouse and dependants (i.e. children) can get cover under this policy when they’re travelling with you for at least half of your trip and meet the following requirements:
- They need to live in Australia and start and end their journey in Australia
- They need to have a return travel booking before they leave
- At least $500 of their travel costs need to be paid for with your Westpac credit card before the start of the trip
- They need to be under 81 years of age at the time they become eligible for the insurance
- They also need to meet the same age requirements and other conditions of the insurance policy
Pre-existing medical conditions
This complimentary international travel insurance only covers a few pre-existing medical conditions, with very specific requirements.
Here, we’ve summarised the key details for conditions that are covered. If you have any pre-existing condition, you should also look at the insurance document for full details or call Allianz on 1800 091 710.
| Pre-existing medical condition | Conditions for cover |
|---|---|
| Acne | If you have not needed treatment by a medical adviser in the last 3 months. |
| Allergies | If you have not needed treatment by a medical adviser in the last 9 months and you don’t have any known respiratory conditions, such as asthma. |
| Asthma | If you have not had an asthma attack that needed treatment from a medical adviser in the past 12 months. |
| Cataracts and glaucoma | If you have no ongoing complications, have not had an operation for it in the last 2 months and are not on a waiting list for an operation. |
| Coeliac disease | If your condition has not required treatment by a medical adviser in the last 6 months. |
| Diabetes/glucose intolerance | If you were diagnosed more than 12 months ago and have not had any complications in the last 12 months. You also need to have a blood sugar level reading between 4 and 12 or an HbA1C score of 9% or less. You must also not currently be undergoing treatment for kidney, eye or nerve complications. |
| Ear grommets | If you have no current infection. |
| Epilepsy | If there are no underlying medical conditions (e.g. previous head trauma or stroke) and you have not had a seizure that required treatment from a doctor or other medical adviser in the last 2 years. |
| Gastric reflux | If it does not relate to a gastric ulcer or other underlying diagnosis. |
| Gout | If it has remained stable for at least 9 months. |
| Hiatus hernia | If no surgery is planned. |
| Hip or knee replacement | If your surgery was performed more than 9 months ago and was within the last 10 years. |
| Hypertension (high blood pressure) | If you have no known heart conditions and your current blood pressure reading is lower than 165/95. |
| Pregnancy up to 26 weeks (including IVF) Note: The insurance policy document has different details for people who are pregnant before they get cover and who become pregnant after they get cover. You’ll be eligible either way (up to 26 weeks), but make sure you read the relevant details. | If there are no existing complications related to the pregnancy. |
🔥 Hot tip: The easiest way to find details in the insurance policy booklet is to open your digital copy and use the find tool (Ctrl+F or Cmd+F) to search for the terms (e.g. “Pre-existing medical conditions”).
What if I don’t meet the requirements or have a different pre-existing condition?
If you’re not sure whether your pre-existing medical condition will be covered, call Allianz on 1800 091 710 to check if you can get cover.
You can then apply to have an assessment of the condition over the phone or online at www.checkyourcover.com.au/westpac. The assessment costs $75 over the phone and $45 online. If you’re successful, you’ll get written confirmation from Allianz that your condition is covered.
But if you have pre-existing conditions that aren’t covered, you won’t be able to make a related claim if you've previously seen a doctor or other qualified professional about a condition that ends up causing issues overseas. It's the same for any physical, medical, mental or dental condition that you’re aware of before you travel.
Need cover for a pre-existing health condition? Check out travel insurance policies that offer cover for conditions including high blood pressure, high cholesterol and physical disabilities.
How to make a claim through your Westpac credit card complimentary international travel insurance policy
As soon as you think you’ll need to make a claim, contact Allianz Global Assistance so that they can give you specific information.
You can do this overseas by calling the emergency assistance number on +61 7 3305 7468 or in Australia by calling 1800 091 710. You can also email cardclaims@allianz-assistance.com.au but may have to wait longer for a response.`
There are 2 main ways you can submit your claim:
| Online | Over the phone |
|---|---|
|
|
You will hear back about your claim within 10 business days, according to the online claims website.
What to include in your claim
Aim to include as much detail and supporting documentation as possible. It makes it easier for the insurer to look at the claim and your eligibility for a payout.
So when you're travelling with this cover, try to get as much written or photo evidence as you can for any claim you need to make. This could include the following:
- A referral or letter from a doctor or other professional you see in relation to a claim
- Official medical reports
- Police reports
- Photos of damaged items
- Emails or letters from airlines that relate to a claim
- Receipts or other proof of purchase
When you fill in the online claim form, you’ll also be asked for some key personal details, including part of your Westpac credit card number (to confirm you’re eligible for cover).
Tip: Use a travel wallet or online folder to keep all your important documents together. This could include your passport, itinerary, printed tickets, a copy of the Westpac card insurance policy booklet – plus anything that could become supporting documentation for future claims.
Other types of Westpac complimentary credit card travel insurance
Overseas transit accident insurance
- What is it? Cover for accidents that happen when you're travelling overseas on a plane, train, cruise ship, bus or other eligible vehicle. You also get cover for related accidents that happen when you're boarding or leaving the transport.
- When can I use it? If you have paid for the entire trip with your eligible Westpac credit card before you leave. If your partner or dependants are travelling with you for the whole trip, they'll also get cover.
- Is there an excess cost? No, you don't need to pay an excess for any claims but there are limits to how much you can get paid out. For example, the loss of one hand or foot has a maximum benefit of $250,000.
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. This can include costs relating to cancelled return flights, flight delays of 4 hours or more, delayed or lost luggage and funeral expenses.
- When can I use it? You’ll get cover for up to 14 days in a row if you have paid for the entire trip with your eligible Westpac credit card. Your spouse and any dependants can also get cover when you have used your Westpac card to pay for their return travel and they will be with you for at least half the trip.
- Is there an excess cost? There is a $300 excess for claims that relate to cancellation or luggage (except for delayed luggage). There are no excess costs for other claims but there are maximum claim amounts, which vary depending on the type of claim.
Rental vehicle excess in Australia insurance
- What is it? Cover for damage or theft of a car or other vehicle you have hired in Australia, up to a maximum of $5,500 (or less if the amount specified in your rental vehicle agreement is lower).
- When can I use it? If you have paid for the vehicle hire with your eligible Westpac credit card and the vehicle hire agreement lists an excess cost.
- Is there an excess cost? There is a $300 excess for each claim you submit.
How to make a claim under one of these policies
Call Allianz on 1800 091 710. You can also get a claim form online at https://travel.agaassistance.com.au/nacb2c/westpac/make-a-claim and email it to cardclaims@allianz-assistance.com.au.
Westpac credit card complimentary insurance for shopping
Westpac credit cards give you access to other types of insurance, which are also provided by Allianz. Below is a snapshot of the different types.
Purchase protection insurance
- What is it? Cover for the cost of a new item that is stolen, accidentally damaged or lost. It covers most household and personal items such as laptops, shoes, jewellery and glasses. Exclusions include second-hand items, perishables, cash, computer software, vehicles and items you’ve accidentally left in a hotel after checking out.
- When can I use it? If you use your eligible Westpac credit card to pay for covered items, this insurance will apply for the first 4 months from when you get them. This cover is available for personal items bought anywhere in the world, including gifts if the person they are given to is a permanent Australian resident.
- How can I make a claim? You need to show proof that you own the item and report the loss, theft or damage to the local police or relevant authorities (such as the office of a transport company). Ideally, you should get written confirmation of this report. Then, call Allianz on 1800 091 710 or submit your claim through the Allianz online claim portal.
- Is there an excess cost? An excess of $300 per claim applies. There are also maximum claim amounts, which vary depending on the item, with a yearly maximum of $135,000 for all claims.
Extended warranty insurance
- What is it? Cover that doubles the manufacturer's warranty for items bought in Australia, up to a maximum period of 2 years. For example, if you bought a laptop with a 12-month manufacturer's warranty and it stopped working for no reason after 12 months, you could make a claim under this cover.
- When can I use it? If you used your eligible Westpac credit card to pay for an item worth up to $20,000 and it came with an Australian manufacturer’s warranty of between 7 days and 5 years. You can make a claim if something happens after the original warranty period has ended.
- How can I make a claim? Call Allianz on 1800 091 710 or submit your claim through the Allianz online claim portal at https://claims.agaassistance.com.au/.
- Is there an excess cost? An excess of $300 per claim applies. There are also maximum claim amounts, which vary depending on the item.
Don’t have complimentary insurance on your credit card yet? Compare Westpac credit cards or check out other cards that offer insurance.
Westpac business credit card complimentary insurance options
All Westpac business credit cards offer complimentary unauthorised transaction insurance to help protect you if an additional cardholder uses the account for something that's not allowed.
You can also get complimentary insurance for travel and shopping depending on the Westpac business credit card you choose. Here’s a look at your options:
| Card | International travel insurance for up to 6 months (Level 1 cards) | International travel insurance for up to 3 months (Level 2 cards) | Overseas transit accident insurance | Domestic interstate flight inconvenience insurance | Rental vehicle excess in Australia insurance | Purchase protection insurance | Extended warranty insurance |
|---|---|---|---|---|---|---|---|
| Westpac Altitude Business Platinum Credit Card | |||||||
| Westpac Altitude Business Gold Mastercard | |||||||
| Westpac BusinessChoice Rewards Platinum Mastercard | |||||||
| Westpac BusinessChoice Everyday Card |
Want a credit card for your business? Compare a wide range of cards that offer insurance, rewards and other perks.
Frequently asked questions
Does Westpac credit card international travel insurance cover coronavirus?
Yes, this complimentary international travel insurance does offer some cover related to COVID-19 including overseas emergency medical and cancellation cover. To make a claim, you or a travel companion need to be positively diagnosed as suffering from COVID-19 and not be travelling against official advice or warnings.
This cover also applies for other known pandemics and epidemics. But as claim requirements are very specific, make sure you read the insurance policy booklet for full details.
Finder also has a whole guide covering questions about this pandemic and travel insurance.
Can I get proof of my cover?
Yes. If you’re going on a cruise or tour that requires proof of insurance, you can get a letter of eligibility online by visiting http://www.checkyourcover.com.au/westpac and providing your details. This includes some information about your Westpac credit card to confirm you're eligible for cover.
More resources on Finder
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Ask a question
Hi – I have paid for a short cruise with my Black Westpac mastercard – does the insurance cover include for cruises? thank you
Hi Rob, Provided you’ve paid at least $500 for the cruise using your card, you should be covered.
Can I use my westpac credit card (Altitude Platinum) to pay to trip organiser (books local flights and train fares within country to visit) to qualify for travel insurance.
Hi Tarun, If the organiser is a travel agent or similar, then this should qualify as travel expenditure. It might not if you’re just paying a private individual, as Westpac wouldn’t register this as travel payments. Note that to qualify for insurance, you need to spend at least $500 on travel expenses for the trip on your card – if you’ve paid for flights into a country using your card, you would already qualify. Hope this helps.
do I need to register for complimentary travel insurance?
if so, who do I contact. please provide details.
Hi Christine,
According to the product PDS, you are eligible for the cover available under the credit card’s International Travel Insurance when you meet all of the following criteria:
1. you reside in Australia and your journey begins and ends in Australia; and
2. before leaving Australia you spend at least $500 on your prepaid travel costs (i.e. your travel costs that you pay for before leaving Australia) and you charge these costs (e.g. cost of your return overseas travel
ticket; and/or airport/departure taxes; and/or your prepaid overseas accommodation/ travel; and/or your other prepaid overseas itinerary items) to the accountholder’s card account; and
3. you have a return overseas travel ticket before you leave Australia; and
4. you are aged under eighty one (81) years at the time you become eligible for the cover available by meeting conditions 1 to 3 listed above.
If you meet this eligibility criteria, you are covered automatically – you don’t need to apply or make any enquiries.
Hope this helps!
Would my x3 dependent’s (2,4,5YO) be covered under this with my Westpac Altitude Platinum credit card?
Hi Natalie,
Yes, generally your spouse and children are covered under your travel insurance policy, provided you are all travelling on the same itinerary. Westpac’s PDS confirms: “We insure Westpac cardholders, their spouses and their dependent child/children up to and including 80 years of age.”
I tried to get a pre approval for my 6 day Royal Caribbean Cruise to Airlie Beach & Cairns. I was required to enter the trip destination.
I was advised to state Pacific waters around Australia. This destination is not accepted. How do I progress with getting pre approval? Am I covered? I would also like to check pre existing conditions as I had a heart attack 14 years ago. I am all good and have no issues
Hi Dudley,
You may want to call Allianz, the insurance provider, directly on 1800 091 710 to find out what cover would be available for this trip, as there are specific definitions for what is considered “overseas” (including in relation to cruises). If you have not booked your trip yet, calling Allianz may provide more clarity. I hope this helps.