MyCard credit cards complimentary insurance
The terms
- MyCard Credit Cards Complimentary Insurance Policy Information Booklet, effective 15 May 2026
These are the former Citi consumer cards, which moved to MyCard on 24 November 2025 and are issued by NAB; the booklet never names Citi, and citibank.com.au no longer resolves. The file opens with a variation notice effective 1 October 2026, already in force, which changes which cards are Level 1 and therefore which get travel cover. - MyCard Credit Cards Complimentary Insurance Policy Information Booklet, effective 26 November 2025 superseded
Still the document that applies to an insurable event before 15 May 2026.
This cover comes with the card, from MyCard. There is nothing extra to buy.
Conditions
- Travel cover comes only with the MyCard Premier and Premier Qantas cards (the Prestige and Premier cards before 1 October 2026).
- Overseas, a return trip by air or cruise is covered once you have charged at least $500 of prepaid travel costs, such as fares, accommodation or a tour, to the card before you leave. A return flight bought with frequent flyer points counts if at least 15,000 points earned on a MyCard card went into that programme in the 12 months before.
- Within Australia, a return domestic flight is covered when you charge the whole fare, or at least $250 of prepaid travel costs, to the card before you go.
- For overseas cover you have to live in Australia and be under 81 when you qualify. Within Australia, claims for the injury, illness or death of anyone 81 or over are not covered.
- One trip is covered for up to six months overseas, or 28 days within Australia.
- Overseas, pre-existing medical conditions are not covered unless the insurer confirms in writing that yours is.
overseas domestic cruise return-trips-only pay-part-fare pay-whole-fare points-count australian-residents-only age-to-80 overseas-6-months domestic-28-days pre-existing-if-approved
What it pays
International Travel Insurance: the limit per section
| Section | Benefit as printed | Limit |
|---|---|---|
| 1.1 | Overseas Emergency Assistance (including Medical Evacuation and Repatriation) | $20 million |
| 1.2 | Overseas Emergency Medical | $20 million |
| 1.3 | Overseas Emergency Dental (Spontaneous Toothache) | Up to a maximum total limit of $2,000 per person for emergency dental treatment for sudden and acute pain (toothache) to natural teeth. |
| 1.4 | Hospital Cash Allowance | $100 per person per day to a maximum total limit of $15,000 per cardholder or spouse. Dependants are included in the limit available to the cardholder or spouse. |
| 1.5 | Accidental Death | $50,000 per cardholder $50,000 for a spouse $25,000 per dependant Up to a maximum total limit of $150,000. |
| 1.6 | Funeral Expenses | Up to a maximum total limit of $60,000 per cardholder or spouse. Dependants are included in the limit available to the cardholder or spouse. |
| 1.7 | Loss of Income | Your verified income per week, up to a maximum total limit of $13,000 each for a cardholder or spouse. No cover is available for dependants. |
| 1.8 | Assault requiring Hospital Admission | $500 per person. |
| 1.9 | Permanent Disability | $50,000 per cardholder or spouse. Dependants are included in the limit available to the cardholder or spouse. |
| 2.1 | Cancellation | Up to a maximum total limit per cardholder or spouse of $25,000 (dependants are included in the limit available to the cardholder or spouse) except: |
| 2.1.1 b) | Travel agents cancellation fees a sub-limit of the section above | $2,000 or the level of commission or service fee earned on the booking by the travel agent, whichever is the lesser. |
| 2.1.1 d) | Rescheduling your journey a sub-limit of the section above | Up to $75 per person per day, up to a maximum total limit of $500 per person for reasonable additional meal costs. Up to a maximum total limit of $250 per person for reasonable internet use and telephone expenses to reschedule your journey. |
| 2.2 | Withdrawal of Services | $50 per person per 24 consecutive hours, up to a maximum total limit of $500 per cardholder or spouse. Dependants are included in the limit available to the cardholder or spouse. |
| 3.1 | Additional Expenses | $200,000 |
| 3.2 | Travel Delay Expenses | After 6 consecutive hours delay, and for each subsequent 24 consecutive hour period thereafter, up to $500 per person for meals and accommodation expenses up to a maximum total limit of $2,000 per cardholder or spouse. Dependants are included in the limit available to the cardholder or spouse. |
| 3.3 | Alternative Transport Expenses | Up to a maximum total limit of $3,250 per cardholder or spouse. Dependants are included in the limit available to the cardholder or spouse. |
| 3.4 | Return home and Resumption of Journey due to Relative’s Death or Hospital Admission | Up to a maximum total limit of $5,000 per cardholder or spouse. Dependants are included in the limit available to the cardholder or spouse. |
| 3.5 | Domestic Pet Accommodation | Up to a maximum total limit of $500 per cardholder or spouse. Dependants are included in the limit available to the cardholder or spouse. |
| 3.6 | Emergency Accommodation due to Terrorism | Up to $300 per person, per day, up to a maximum total limit of $3,000 per cardholder or spouse. Dependants are included in the limit available to the cardholder or spouse. |
| 3.7 | Hijack | Up to a maximum total limit of $10,000 per cardholder or spouse. Dependants are included in the limit available to the cardholder or spouse. |
| 4.1 | Luggage | Up to a maximum total limit of $15,000 per cardholder or spouse. Dependants are included in the limit available to the cardholder or spouse, subject to the following sub-limits: |
| 4.1.1 a) | Stolen, accidentally damaged or permanently lost covered items a sub-limit of the section above | Up to $4,000 per item for computers, cameras and video cameras. Up to $1,000 per item for any other covered item, including mobile phones. |
| 4.1.1 b) | Covered items left in a vehicle during daylight hours a sub-limit of the section above | Up to a maximum total limit of $5,000 |
| 4.1.1 c) | Valuables left in a vehicle or checked-in luggage a sub-limit of the section above | No cover available, except for the items described in the circumstances under 4.1.1 c) of Part E – The Cover Available, which is limited to the maximum item limits in 4.1.1 a). |
| 4.2 | Travel Documents, Transaction Cards & Travellers Cheques | in the sub-limits below |
| 4.2.1 a) | Reissue or replacement cost a sub-limit of the section above | Up to a maximum total limit of $5,000 per cardholder or spouse. Dependants are included in the limit available to the cardholder or spouse. |
| 4.2.1 b) | Fraudulent use a sub-limit of the section above | Up to a maximum total limit of $5,000 per cardholder or spouse. Dependants are included in the limit available to the cardholder or spouse. |
| 4.3 | Luggage Delay | Up to $500 after a delay of 10 consecutive hours, and an additional $1,000 after a delay of 72 consecutive hours, up to a maximum total limit of $1,500 per cardholder or spouse. Dependants are included in the limit available to the cardholder or spouse. |
| 4.4 | Replacement Sporting Equipment | Up to a maximum total limit of $200 per cardholder or spouse. Dependants are included in the limit available to the cardholder or spouse. |
| 5.1 | Rental Vehicle Excess | in the sub-limits below |
| 5.1.1 a) | Rental vehicle damage or theft a sub-limit of the section above | Level 1 Cards – Up to a maximum total limit of $10,000 per cardholder or spouse. Dependants are included in the limit available to the cardholder or spouse. |
| 5.1.1 b) | Return of rental vehicle a sub-limit of the section above | Up to a maximum total limit of $750 per cardholder or spouse. Dependants are included in the limit available to the cardholder or spouse. |
| 6.1 | Personal Liability | Level 1 Cards – Up to a maximum total limit of $2,500,000 per event for a cardholder or spouse. Dependants are included in the limit available to the cardholder or spouse. |
| 6.2 | Legal Expenses | Up to a maximum total limit of $15,000 per cardholder or spouse. Dependants are included in the limit available to the cardholder or spouse. |
Domestic Travel Insurance: the limit per section
| Section | Benefit as printed | Limit |
|---|---|---|
| 1.1 | Cancellation | Up to a maximum total limit of $3,000 for all claims combined |
| 2.1 | Flight Delay | 4 hours or more, $125 per person up to a maximum total limit of $300 for all claims combined |
| 3.1 | Additional Expenses | Up to a maximum total limit of $3,000 |
| 4.1 | Luggage | Up to $750 for each covered item, up to a maximum total limit of $2,000 |
| 4.2 | Luggage Delay | 12 hours or more, $150 per person, up to a maximum total limit of $400 for all claims combined |
Who stands behind it
| Insurer | Allianz Australia Insurance Limited
ABN 15 000 122 850 AFSL 234708 |
| Register | on APRA’s register and authorised to write new business on APRA’s register as Allianz Australia Insurance Limited |
| Claims handled by | AWP Australia Pty Ltd |
| 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 | 15 May 2026 |
Allianz Australia Insurance Limited (Allianz) ABN 15 000 122 850, AFSL 234708 of Level 16, 10 Carrington Street, Sydney, NSW 2000
What else this document covers
- International Travel Insurance
- Domestic Travel Insurance
- Rental Vehicle Excess Insurance in Australia
- Purchase Protection Insurance
- Extended Warranty Insurance
Data
mycard-cards.json: this page as data.- Every card programme · 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.