Personal credit card travel insurance
A traveller asking what travel insurance to buy may already hold some. This is what the 20 programmes read actually say: who carries the risk, what has to go on the card before there is any cover, how long one journey is covered for, and where the cover stops. There is no price here, because there is none — the cover comes with the card.
20programmes read
18card issuers
3insurers behind them
0premiums to pay
What has to happen before it covers anything
Three conditions decide whether card cover is any use for a given trip, and all three are stated in the documents rather than inferred: what must be charged to the card, how long one journey is covered, and the age at which the cover stops. A dash means no sentence in that document states it in terms this reader recognises — not that the programme has no such condition.
| Issuer | Insurer | On the card first | One journey | Age limit | Pre-existing | Activate |
|---|---|---|---|---|---|---|
| ANZ ANZ Platinum and Black personal credit cards complimentary insurance | Allianz | $250 | 6 months · 3 months | 80 | excluded | — |
| NAB NAB card insurance | Allianz | $500 | 6 months · 30 days | 80 | excluded | — |
| Westpac Westpac credit card complimentary insurance | Allianz | $500 | 3 months · 1 month | 80 | excluded | yes |
| St.George St.George credit cards complimentary insurance | Allianz | $500 | 6 months · 3 months | 80 | — | — |
| CommBank CommBank credit card insurances (Platinum, Diamond, Gold and Awards cards) | Zurich | $500 | 12 months · 3 months | — | — | yes |
| Bankwest Bankwest credit card insurance | Zurich | the whole cost | 12 months | — | — | — |
| Macquarie Macquarie Black credit card insurance | Chubb | the whole fare | 14 days · 90 days | 85 | excluded | — |
| Macquarie Macquarie Platinum credit card insurance | Chubb | the whole fare | 14 days · 90 days | 85 | excluded | — |
| American Express American Express Platinum Card insurance | Chubb | the whole fare | 180 days | 79 | excluded | — |
| HSBC HSBC personal cards complimentary insurance | Allianz | $500 | 4 months | — | excluded unless approved | — |
| MyCard MyCard credit cards complimentary insurance | Allianz | $500 | 6 months | 80 | excluded unless approved | — |
| Bendigo Bank Bendigo credit card insurance | Allianz | $500 | 3 months | 80 | see the document | — |
| Great Southern Bank Great Southern Bank platinum credit cards complimentary insurances | Allianz | $500 | 4 months | 80 | see the document | — |
| Bank of Melbourne Bank of Melbourne credit card complimentary insurance | Allianz | $500 | 6 months · 3 months | 80 | — | — |
| BankSA BankSA credit cards complimentary insurance | Allianz | $500 | 6 months · 3 months | 80 | — | — |
| Virgin Money Virgin Money credit cards complimentary insurance | Allianz | $500 | 6 months | 80 | excluded unless approved | — |
| Qantas Money Qantas Money Platinum and Everyday credit card travel insurance | Chubb | the whole fare | 30 days · 14 days | 79 | excluded | — |
| Qantas Money Qantas Money Titanium credit card insurance | Chubb | the whole fare | 180 days · 14 days | 79 | excluded | — |
| P&N Bank P&N Bank Visa Platinum credit card insurance | Chubb | the whole fare | 14 days · 180 days | 79 | excluded | — |
| Beyond Bank Beyond Bank Visa Platinum credit card insurance | Chubb | the whole fare | 14 days · 180 days | 79 | excluded | — |
By condition
Each programme’s conditions as labels, so a question such as “can I be covered on a cruise” is one look. 20 of 23 programmes are labelled so far; a missing label means the document does not say it, not that the answer is no.
- overseas Covers trips overseas.
ANZ — ANZ Platinum and Black personal credit cards complimentary insurance, NAB — NAB card insurance, Westpac — Westpac credit card complimentary insurance, St.George — St.George credit cards complimentary insurance, CommBank — CommBank credit card insurances (Platinum, Diamond, Gold and Awards cards), Bankwest — Bankwest credit card insurance, Macquarie — Macquarie Black credit card insurance, Macquarie — Macquarie Platinum credit card insurance, American Express — American Express Platinum Card insurance, HSBC — HSBC personal cards complimentary insurance, MyCard — MyCard credit cards complimentary insurance, Bendigo Bank — Bendigo credit card insurance, Great Southern Bank — Great Southern Bank platinum credit cards complimentary insurances, Bank of Melbourne — Bank of Melbourne credit card complimentary insurance, BankSA — BankSA credit cards complimentary insurance, Virgin Money — Virgin Money credit cards complimentary insurance, Qantas Money — Qantas Money Platinum and Everyday credit card travel insurance, Qantas Money — Qantas Money Titanium credit card insurance, P&N Bank — P&N Bank Visa Platinum credit card insurance, Beyond Bank — Beyond Bank Visa Platinum credit card insurance - domestic Covers trips within Australia.
ANZ — ANZ Platinum and Black personal credit cards complimentary insurance, NAB — NAB card insurance, St.George — St.George credit cards complimentary insurance, CommBank — CommBank credit card insurances (Platinum, Diamond, Gold and Awards cards), Bankwest — Bankwest credit card insurance, Macquarie — Macquarie Black credit card insurance, Macquarie — Macquarie Platinum credit card insurance, American Express — American Express Platinum Card insurance, HSBC — HSBC personal cards complimentary insurance, MyCard — MyCard credit cards complimentary insurance, Bendigo Bank — Bendigo credit card insurance, Bank of Melbourne — Bank of Melbourne credit card complimentary insurance, BankSA — BankSA credit cards complimentary insurance, Virgin Money — Virgin Money credit cards complimentary insurance, Qantas Money — Qantas Money Platinum and Everyday credit card travel insurance, Qantas Money — Qantas Money Titanium credit card insurance, P&N Bank — P&N Bank Visa Platinum credit card insurance, Beyond Bank — Beyond Bank Visa Platinum credit card insurance - cruise Covers a cruise, on the same terms as a flight (its fare paid as the policy requires).
ANZ — ANZ Platinum and Black personal credit cards complimentary insurance, NAB — NAB card insurance, CommBank — CommBank credit card insurances (Platinum, Diamond, Gold and Awards cards), Bankwest — Bankwest credit card insurance, Macquarie — Macquarie Black credit card insurance, Macquarie — Macquarie Platinum credit card insurance, American Express — American Express Platinum Card insurance, HSBC — HSBC personal cards complimentary insurance, MyCard — MyCard credit cards complimentary insurance, Bendigo Bank — Bendigo credit card insurance, Great Southern Bank — Great Southern Bank platinum credit cards complimentary insurances, Virgin Money — Virgin Money credit cards complimentary insurance, Qantas Money — Qantas Money Platinum and Everyday credit card travel insurance, Qantas Money — Qantas Money Titanium credit card insurance, P&N Bank — P&N Bank Visa Platinum credit card insurance, Beyond Bank — Beyond Bank Visa Platinum credit card insurance - return-trips-only Only a return trip that starts and ends in Australia is covered.
ANZ — ANZ Platinum and Black personal credit cards complimentary insurance, NAB — NAB card insurance, Westpac — Westpac credit card complimentary insurance, St.George — St.George credit cards complimentary insurance, Macquarie — Macquarie Black credit card insurance, Macquarie — Macquarie Platinum credit card insurance, American Express — American Express Platinum Card insurance, HSBC — HSBC personal cards complimentary insurance, MyCard — MyCard credit cards complimentary insurance, Bendigo Bank — Bendigo credit card insurance, Great Southern Bank — Great Southern Bank platinum credit cards complimentary insurances, Bank of Melbourne — Bank of Melbourne credit card complimentary insurance, BankSA — BankSA credit cards complimentary insurance, Virgin Money — Virgin Money credit cards complimentary insurance, Qantas Money — Qantas Money Platinum and Everyday credit card travel insurance, Qantas Money — Qantas Money Titanium credit card insurance, P&N Bank — P&N Bank Visa Platinum credit card insurance, Beyond Bank — Beyond Bank Visa Platinum credit card insurance - pay-whole-fare The whole outbound fare has to be paid with the card (or as the policy allows) before leaving.
Macquarie — Macquarie Black credit card insurance, Macquarie — Macquarie Platinum credit card insurance, American Express — American Express Platinum Card insurance, MyCard — MyCard credit cards complimentary insurance, Bendigo Bank — Bendigo credit card insurance, Virgin Money — Virgin Money credit cards complimentary insurance, Qantas Money — Qantas Money Platinum and Everyday credit card travel insurance, Qantas Money — Qantas Money Titanium credit card insurance, P&N Bank — P&N Bank Visa Platinum credit card insurance, Beyond Bank — Beyond Bank Visa Platinum credit card insurance - pay-part-fare A stated minimum amount of the trip has to be paid with the card, not the whole fare.
ANZ — ANZ Platinum and Black personal credit cards complimentary insurance, NAB — NAB card insurance, Westpac — Westpac credit card complimentary insurance, St.George — St.George credit cards complimentary insurance, CommBank — CommBank credit card insurances (Platinum, Diamond, Gold and Awards cards), HSBC — HSBC personal cards complimentary insurance, MyCard — MyCard credit cards complimentary insurance, Bendigo Bank — Bendigo credit card insurance, Great Southern Bank — Great Southern Bank platinum credit cards complimentary insurances, Bank of Melbourne — Bank of Melbourne credit card complimentary insurance, BankSA — BankSA credit cards complimentary insurance, Virgin Money — Virgin Money credit cards complimentary insurance, Qantas Money — Qantas Money Platinum and Everyday credit card travel insurance, Qantas Money — Qantas Money Titanium credit card insurance, P&N Bank — P&N Bank Visa Platinum credit card insurance, Beyond Bank — Beyond Bank Visa Platinum credit card insurance - points-count Paying with the card's rewards points counts as paying with the card.
CommBank — CommBank credit card insurances (Platinum, Diamond, Gold and Awards cards), Macquarie — Macquarie Black credit card insurance, Macquarie — Macquarie Platinum credit card insurance, American Express — American Express Platinum Card insurance, MyCard — MyCard credit cards complimentary insurance, Virgin Money — Virgin Money credit cards complimentary insurance, Qantas Money — Qantas Money Platinum and Everyday credit card travel insurance, Qantas Money — Qantas Money Titanium credit card insurance - australian-residents-only Only people who live in Australia are covered.
ANZ — ANZ Platinum and Black personal credit cards complimentary insurance, NAB — NAB card insurance, Westpac — Westpac credit card complimentary insurance, St.George — St.George credit cards complimentary insurance, CommBank — CommBank credit card insurances (Platinum, Diamond, Gold and Awards cards), Bankwest — Bankwest credit card insurance, Macquarie — Macquarie Black credit card insurance, Macquarie — Macquarie Platinum credit card insurance, American Express — American Express Platinum Card insurance, HSBC — HSBC personal cards complimentary insurance, MyCard — MyCard credit cards complimentary insurance, Bendigo Bank — Bendigo credit card insurance, Great Southern Bank — Great Southern Bank platinum credit cards complimentary insurances, Bank of Melbourne — Bank of Melbourne credit card complimentary insurance, BankSA — BankSA credit cards complimentary insurance, Virgin Money — Virgin Money credit cards complimentary insurance, Qantas Money — Qantas Money Platinum and Everyday credit card travel insurance, Qantas Money — Qantas Money Titanium credit card insurance, P&N Bank — P&N Bank Visa Platinum credit card insurance, Beyond Bank — Beyond Bank Visa Platinum credit card insurance - age-to-79 The age limit, as age-to-85 for 85 or younger. Where it applies to only part of the cover, the lines say which.
CommBank — CommBank credit card insurances (Platinum, Diamond, Gold and Awards cards), Bankwest — Bankwest credit card insurance, American Express — American Express Platinum Card insurance, Qantas Money — Qantas Money Platinum and Everyday credit card travel insurance, Qantas Money — Qantas Money Titanium credit card insurance, P&N Bank — P&N Bank Visa Platinum credit card insurance, Beyond Bank — Beyond Bank Visa Platinum credit card insurance - age-to-80 The age limit, as age-to-85 for 85 or younger. Where it applies to only part of the cover, the lines say which.
ANZ — ANZ Platinum and Black personal credit cards complimentary insurance, NAB — NAB card insurance, Westpac — Westpac credit card complimentary insurance, St.George — St.George credit cards complimentary insurance, MyCard — MyCard credit cards complimentary insurance, Bendigo Bank — Bendigo credit card insurance, Great Southern Bank — Great Southern Bank platinum credit cards complimentary insurances, Bank of Melbourne — Bank of Melbourne credit card complimentary insurance, BankSA — BankSA credit cards complimentary insurance, Virgin Money — Virgin Money credit cards complimentary insurance - age-to-85 The age limit, as age-to-85 for 85 or younger. Where it applies to only part of the cover, the lines say which.
Macquarie — Macquarie Black credit card insurance, Macquarie — Macquarie Platinum credit card insurance - overseas-180-days The longest single overseas trip covered, in days.
American Express — American Express Platinum Card insurance, Qantas Money — Qantas Money Titanium credit card insurance, P&N Bank — P&N Bank Visa Platinum credit card insurance, Beyond Bank — Beyond Bank Visa Platinum credit card insurance - overseas-183-days The longest single overseas trip covered, in days.
Bankwest — Bankwest credit card insurance - overseas-30-days The longest single overseas trip covered, in days.
NAB — NAB card insurance, Qantas Money — Qantas Money Platinum and Everyday credit card travel insurance - overseas-31-days The longest single overseas trip covered, in days.
Bankwest — Bankwest credit card insurance - overseas-90-days The longest single overseas trip covered, in days.
Macquarie — Macquarie Black credit card insurance, Macquarie — Macquarie Platinum credit card insurance - domestic-14-days The longest single domestic trip covered, in days.
NAB — NAB card insurance, St.George — St.George credit cards complimentary insurance, CommBank — CommBank credit card insurances (Platinum, Diamond, Gold and Awards cards), Bankwest — Bankwest credit card insurance, Macquarie — Macquarie Black credit card insurance, Macquarie — Macquarie Platinum credit card insurance, HSBC — HSBC personal cards complimentary insurance, Bendigo Bank — Bendigo credit card insurance, Bank of Melbourne — Bank of Melbourne credit card complimentary insurance, BankSA — BankSA credit cards complimentary insurance, Qantas Money — Qantas Money Platinum and Everyday credit card travel insurance, Qantas Money — Qantas Money Titanium credit card insurance, P&N Bank — P&N Bank Visa Platinum credit card insurance, Beyond Bank — Beyond Bank Visa Platinum credit card insurance - domestic-180-days The longest single domestic trip covered, in days.
American Express — American Express Platinum Card insurance - domestic-28-days The longest single domestic trip covered, in days.
ANZ — ANZ Platinum and Black personal credit cards complimentary insurance, NAB — NAB card insurance, MyCard — MyCard credit cards complimentary insurance, Virgin Money — Virgin Money credit cards complimentary insurance - domestic-7-days The longest single domestic trip covered, in days.
CommBank — CommBank credit card insurances (Platinum, Diamond, Gold and Awards cards) - pre-existing-not-covered Pre-existing medical conditions are not covered.
Westpac — Westpac credit card complimentary insurance, Macquarie — Macquarie Black credit card insurance, Macquarie — Macquarie Platinum credit card insurance, American Express — American Express Platinum Card insurance, Bendigo Bank — Bendigo credit card insurance, Great Southern Bank — Great Southern Bank platinum credit cards complimentary insurances, Qantas Money — Qantas Money Platinum and Everyday credit card travel insurance, Qantas Money — Qantas Money Titanium credit card insurance, P&N Bank — P&N Bank Visa Platinum credit card insurance, Beyond Bank — Beyond Bank Visa Platinum credit card insurance - pre-existing-if-approved Pre-existing medical conditions are covered only if the insurer approves them.
ANZ — ANZ Platinum and Black personal credit cards complimentary insurance, NAB — NAB card insurance, St.George — St.George credit cards complimentary insurance, CommBank — CommBank credit card insurances (Platinum, Diamond, Gold and Awards cards), Bankwest — Bankwest credit card insurance, HSBC — HSBC personal cards complimentary insurance, MyCard — MyCard credit cards complimentary insurance, Bank of Melbourne — Bank of Melbourne credit card complimentary insurance, BankSA — BankSA credit cards complimentary insurance, Virgin Money — Virgin Money credit cards complimentary insurance - activation-required The cover has to be activated before the trip.
Westpac — Westpac credit card complimentary insurance, CommBank — CommBank credit card insurances (Platinum, Diamond, Gold and Awards cards) - cruise-not-covered A multi-night ocean cruise is not covered.
Westpac — Westpac credit card complimentary insurance - pre-existing-some-included Some named pre-existing medical conditions are covered automatically.
St.George — St.George credit cards complimentary insurance, CommBank — CommBank credit card insurances (Platinum, Diamond, Gold and Awards cards), Bankwest — Bankwest credit card insurance, Bank of Melbourne — Bank of Melbourne credit card complimentary insurance, BankSA — BankSA credit cards complimentary insurance - overseas-1-months The longest single overseas trip covered, where the document gives it in consecutive months rather than days (as overseas-6-months).
Westpac — Westpac credit card complimentary insurance - overseas-12-months The longest single overseas trip covered, where the document gives it in consecutive months rather than days (as overseas-6-months).
CommBank — CommBank credit card insurances (Platinum, Diamond, Gold and Awards cards) - overseas-3-months The longest single overseas trip covered, where the document gives it in consecutive months rather than days (as overseas-6-months).
ANZ — ANZ Platinum and Black personal credit cards complimentary insurance, Westpac — Westpac credit card complimentary insurance, St.George — St.George credit cards complimentary insurance, CommBank — CommBank credit card insurances (Platinum, Diamond, Gold and Awards cards), Bendigo Bank — Bendigo credit card insurance, Bank of Melbourne — Bank of Melbourne credit card complimentary insurance, BankSA — BankSA credit cards complimentary insurance - overseas-4-months The longest single overseas trip covered, where the document gives it in consecutive months rather than days (as overseas-6-months).
HSBC — HSBC personal cards complimentary insurance, Great Southern Bank — Great Southern Bank platinum credit cards complimentary insurances - overseas-6-months The longest single overseas trip covered, where the document gives it in consecutive months rather than days (as overseas-6-months).
ANZ — ANZ Platinum and Black personal credit cards complimentary insurance, NAB — NAB card insurance, St.George — St.George credit cards complimentary insurance, MyCard — MyCard credit cards complimentary insurance, Bank of Melbourne — Bank of Melbourne credit card complimentary insurance, BankSA — BankSA credit cards complimentary insurance, Virgin Money — Virgin Money credit cards complimentary insurance
What each document says it pays
9 of the 20 programmes print their limits in a shape this reader has rules for, and those are read row by row. The rest print the same figures in layouts no rules have been written for yet; each one records what is in the way, and none of them is guessed at — a benefit name married to the wrong limit is worse than no limit at all.
| Issuer | Overseas medical | Cancellation | Luggage | Rental vehicle excess | Personal liability |
|---|---|---|---|---|---|
| ANZ | $20m | $20,000 | $12,000 | in its sub-limits | $3m |
| NAB | $20m | $25,000 | $15,000 | in its sub-limits | varies by card |
| St.George | Unlimited | Unlimited | $30,000 | $5,500 | $2.5m |
| CommBank | — | — | — | — | $2.5m |
| HSBC | $20m | $100,000 | $25,000 | $3,000 | $2.5m |
| MyCard | $20m | $25,000 | $15,000 | in its sub-limits | $2.5m |
| Bank of Melbourne | Unlimited | Unlimited | $30,000 | $5,500 | $2.5m |
| BankSA | Unlimited | Unlimited | $30,000 | $5,500 | $2.5m |
| Virgin Money | $20m | $25,000 | $15,000 | in its sub-limits | $2.5m |
Who carries the risk
Not the bank. Allianz Australia Insurance Limited, Chubb Insurance Australia Limited, Zurich Australian Insurance Limited stand behind these programmes, and every one of them is on APRA’s register of authorised general insurers. A bank buys one policy and names its cardholders as the people who may claim on it; several of the documents say in terms that the bank is not the issuer of the cover and does not guarantee it.
Every company on APRA’s general insurance register · the retail brands and who underwrites them · these programmes compared with the retail policies, clause by clause
Two of the documents read carry no travel cover
An issuer publishes a separate booklet for its entry-level cards, and it sits beside the one that does carry travel insurance. A cardholder who reads the wrong one, or assumes every card in a range is the same, gets this wrong — so the finding is published rather than left out:
- ANZ First credit card complimentary insurance ANZ
- CommBank credit card insurances (Low Rate, Low Fee, Awards Standard and Essentials cards) CommBank
- BOQ credit cards complimentary insurance Bank of Queensland
What is not here
Suncorp Bank's programme ended with the card: its own page says the arrangement with NAB, the issuer of Suncorp Clear Options credit cards, ended on 24 November 2025, cardholders were moved to a NAB MyCard, and Suncorp Bank is now part of the ANZ group. Two Suncorp booklets are still reachable on the web but neither is linked from any live page, so neither is pinned here. Beyond that: ING, Westpac's business range, the corporate and business cards of every issuer below, and a long tail of mutuals. The programmes above are the ones a person has read; they are a floor, not a census, and a card absent from this file is not a card without cover.
Most issuers publish a separate booklet for business and corporate cards, usually with different limits and a different eligibility test. None is read: the dataset is for a person going on holiday.
Data
card-policies.json: every programme, every fact, and the sentence each one was read from.- One file per programme, with its limits table where one was read:
cards/<programme_slug>.json, every URL listed undercards_dirin the dataset index. - The questions this answers · every retail plan and what it covers
Deep Almanac is a secondary source and this page is provided for general information and reference. It is not financial, investment, legal, valuation, educational or other professional advice, and it is not a substitute for checking the original source. This dataset holds no travel insurance premiums, because no price list is published for them: it reports what travellers pay in premiums and what comes back as claims across the whole class of business, what each policy covers, and who is authorised to underwrite it. It cannot tell you what a trip would cost to insure, and a class-wide ratio says nothing about any one insurer or trip. You are responsible for any decision you or your software makes in reliance on this page. See our terms of use.