Macquarie Black credit card insurance
The terms
This cover comes with the card, from Macquarie. There is nothing extra to buy.
Conditions
- Covers a return trip that starts and ends in Australia, once you have paid the whole outbound flight or cruise fare with your Macquarie Black card before you leave. Macquarie Rewards points, or a gift card bought with them, count as paying with the card.
- Your card account has to be open when you pay: not cancelled, suspended or terminated.
- You have to live in Australia.
- For overseas medical cover you have to be 85 or younger when you pay the fare.
- One trip is covered for up to 90 days overseas, or 14 days within Australia.
- Pre-existing medical conditions are not covered.
overseas domestic cruise return-trips-only pay-whole-fare points-count australian-residents-only age-to-85 overseas-90-days domestic-14-days pre-existing-not-covered
What it pays
Travel Insurance (Overseas Return Trip): the limit per benefit
| Section | Benefit as printed | Limit |
|---|---|---|
| Overseas Medical Emergency Expenses Cover 1. In the event of a medical emergency (section limit) page 25 | Unlimited* for up to twelve (12) months from the date of the Injury or Illness (other than for any medical emergency as a result of an act of Terrorism which is sub-limited to $1,000,000) | |
| 2. Emergency Dental (sub-limit) a sub-limit of the section above page 25 | Up to $1,250 | |
| 3. Repatriation/Evacuation (sub-limit) a sub-limit of the section above page 25 | Up to $500,000 | |
| 4. Incidental expenses each 24 hours (sub-limit) a sub-limit of the section above page 25 | Up to $100 per 24-hour period to a maximum of $12,000 | |
| 5. Extra accommodation (room only) (sub-limit) a sub-limit of the section above page 25 | Up to $200 per 24-hour period to a maximum of $4,000 | |
| 6.a) Return economy airfare (sub-limit) a sub-limit of the section above page 25 | Up to $1,500 | |
| 6.b) Extra accommodation (room-only) (sub-limit) a sub-limit of the section above page 25 | Up to $150 per 24-hour period to a maximum of $2,100 | |
| 2. In the event of Your death (Repatriation/Funeral/Burial costs) page 25 | Up to $20,000 | |
| In the event of Your death in a Schengen member state page 25 | Up to 30,000 EUR | |
| Trip Cancellation and Amendment Cover (section limit) page 25 | Unlimited | |
| b. Travel agent commission (sub-limit) a sub-limit of the section above page 25 | Up to 15% or $1,000, whichever is the lesser | |
| c. Additional travel and accommodation (sub-limit) a sub-limit of the section above page 25 | Up to $500 | |
| Loss of Income Cover (section limit) page 26 | Up to $12,000 | |
| Monthly Salary page 26 | Up to $4,000 per month | |
| 1) Returning to Australia for a Close Relative page 26 | Up to $3,000 | |
| 2) Returning to Australia for a Close Relative with a Pre-Existing Medical Condition page 26 | Up to $2,000 | |
| 6. Delayed arrival to a Special Event page 27 | Up to $3,250 for all Covered Persons | |
| Personal Baggage, Valuables, Money and Travel Documents Cover (section limit) page 28 | Up to $15,000 | |
| a. Money and Travel Documents (sub-limit) a sub-limit of the section above page 28 | Up to $500 | |
| b. Maximum total of all Valuables (including sub-limits i. to iv.); page 28 | Up to $11,000 | |
| i. One (1) Smartphone (sub-limit); a sub-limit of the section above page 28 | Up to $2,000 | |
| ii. One (1) laptop (sub-limit); a sub-limit of the section above page 28 | Up to $3,500 | |
| iii. One (1) camera (including lenses and accessories) (sub-limit); a sub-limit of the section above page 28 | Up to $3,500 | |
| iv. Any other Valuable item (sub-limit) a sub-limit of the section above page 28 | Up to $3,500 | |
| c. any other single item or Pair or Set of items (sub-limit) a sub-limit of the section above page 28 | Up to $3,500 | |
| Hijack Cover (section limit is an aggregate limit for all Your Close Relatives) page 28 | Up to $6,700 | |
| a. return economy airfare page 28 | Up to $2,500 | |
| b. extra accommodation (room-only) for each twenty-four (24) hour period page 28 | Up to $300 per 24-hour period to a maximum of $4,200 | |
| Personal Liability Cover (section limit) page 28 | Up to $2,500,000 | |
| Rental Vehicle Excess Cover (section limit) page 28 | Up to $5,000 |
Travel Insurance (Domestic Return Trip): the limit per benefit
| Section | Benefit as printed | Limit |
|---|---|---|
| 5. Extra accommodation (room only) (sub-limit) a sub-limit of the section above page 25 | Not Covered | |
| 2. In the event of Your death (Repatriation/Funeral/Burial costs) page 25 | Up to $20,000 | |
| In the event of Your death in a Schengen member state page 25 | Not Covered | |
| Trip Cancellation and Amendment Cover (section limit) page 25 | Up to $3,000 | |
| b. Travel agent commission (sub-limit) a sub-limit of the section above page 25 | Up to 15% or $750, whichever is the lesser | |
| c. Additional travel and accommodation (sub-limit) a sub-limit of the section above page 25 | Up to $500 | |
| 1) Returning to Australia for a Close Relative page 26 | Not Covered | |
| 6. Delayed arrival to a Special Event page 27 | Not Covered | |
| Personal Baggage, Valuables, Money and Travel Documents Cover (section limit) page 28 | Up to $2,000 | |
| a. Money and Travel Documents (sub-limit) a sub-limit of the section above page 28 | Up to $250 | |
| b. Maximum total of all Valuables (including sub-limits i. to iv.); page 28 | Up to $1,500 | |
| i. One (1) Smartphone (sub-limit); a sub-limit of the section above page 28 | Up to $500 | |
| ii. One (1) laptop (sub-limit); a sub-limit of the section above page 28 | Not Covered | |
| iii. One (1) camera (including lenses and accessories) (sub-limit); a sub-limit of the section above page 28 | Up to $500 | |
| iv. Any other Valuable item (sub-limit) a sub-limit of the section above page 28 | Up to $500 | |
| c. any other single item or Pair or Set of items (sub-limit) a sub-limit of the section above page 28 | Up to $500 | |
| a. return economy airfare page 28 | Not Covered | |
| Personal Liability Cover (section limit) page 28 | Up to $1,000,000 | |
| Rental Vehicle Excess Cover (section limit) page 28 | Up to $5,000 |
Who stands behind it
| Insurer | Chubb Insurance Australia Limited
ABN 23 001 642 020 |
| Register | on APRA’s register and authorised to write new business on APRA’s register as Chubb Insurance Australia Ltd |
| Claims handled by | — |
| Policy owned by | — |
| What the cardholder holds |
the bank’s policy, claimable by the cardholder
The bank owns the policy. The cardholder may claim on it when they are eligible, but holds no policy of their own, cannot vary it and has no cooling-off right. |
| Document effective | 18 June 2025 |
Chubb Insurance Australia Limited (ABN 23 001 642 020, Australian Financial Service (AFS) Licence No
What else this document covers
This document prints no cover name as a heading of its own.
Data
macquarie-black.json: this page as data.- Every card programme · every retail plan and what it covers
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