NAB card insurance
The terms
- NAB Card Insurance Policy Information Booklet effective 15 May 2026
The file NAB's own page links as current. It opens with a notice of change prepared 1 August 2026, which renames three of the eligible cards from 1 October 2026.
This cover comes with the card, from NAB. There is nothing extra to buy.
Conditions
- Covers a return trip overseas once you have spent at least $500 of your prepaid travel costs, such as the return air or cruise ticket, with your NAB card before you leave Australia.
- A trip within Australia is covered if you pay the whole cost of the return domestic flight, or at least $250 of your prepaid travel costs, with the card before you go.
- You have to live in Australia, or hold a visa that lets you live here.
- For overseas cover you have to be under 81 when you meet these conditions.
- With a NAB Rewards Travel (formerly Rewards Signature) or Qantas Rewards Signature card, one trip is covered for up to six months overseas or 28 days within Australia.
- With a NAB Qantas Rewards Premium (formerly Qantas Plus) or Platinum Visa Debit card, one trip is covered for up to 30 days overseas or 14 days within Australia.
- Pre-existing medical conditions are covered only if the insurer confirms in writing that they are, after an assessment you apply for before you go.
overseas domestic cruise return-trips-only pay-part-fare australian-residents-only age-to-80 overseas-6-months overseas-30-days domestic-28-days domestic-14-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 | Up to a maximum total limit of $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. Level 2 Cards – 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. |
| 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. Level 2 Cards – Up to a maximum total limit of $1,000,000 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 St, Sydney, NSW, 2000 The Group Policy is issued and managed by: AWP Australia Pty Ltd ABN 52 097 227 177, AFSL 245631 trading as Allianz Global Assistance of Level 16, 310 Ann Street,…
What else this document covers
- International Travel Insurance
- Domestic Travel Insurance
- Rental Vehicle Excess Insurance in Australia
- Purchase Protection Insurance
- Extended Warranty Insurance
Data
nab-card-insurance.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.