Qantas Money Titanium credit card insurance
The terms
- Qantas Money Titanium Credit Card Complimentary Insurance Terms and Conditions, effective 8 September 2025
The same policy wording as the Platinum and Everyday booklet except for the journey cap: 180 consecutive days overseas against the Platinum booklet's 30. That is the largest difference between two cards from one issuer anywhere in this dataset.
This cover comes with the card, from Qantas Money. There is nothing extra to buy.
Conditions
- Travel cover comes with the Qantas Money Titanium card, for the cardholder and additional cardholders.
- Overseas, a return trip is covered once you have paid the whole return flight or cruise fare for each traveller with the card before you leave. Qantas Points earned on the card count as paying with it.
- Within Australia, a return trip is covered when you pay the whole return flight or cruise fare, or at least $500 of accommodation, with the card or its Qantas Points.
- Your card has to be open when you pay, and you have to live in Australia and be 79 or younger.
- One trip is covered for up to 180 days overseas, or 14 days within Australia.
- Pre-existing medical conditions are not covered.
overseas domestic cruise return-trips-only pay-whole-fare pay-part-fare points-count australian-residents-only age-to-79 overseas-180-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 |
|---|---|---|
| Trip Cancellation and Amendment Cover (section limit) page 35 | Unlimited | |
| (b) Travel agent commission (sub‑limit) a sub-limit of the section above page 35 | Up to $1,000 or 15% of the value of the travel, whichever is the lesser | |
| (c) Additional travel and accommodation (sub-limit) a sub-limit of the section above page 35 | Up to $700 | |
| Overseas Medical Emergency Expenses Cover 1. In the event of a Medical Emergency (section limit) page 35 | Unlimited* for up to 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 35 | Up to $1,250 | |
| 3. Repatriation/Evacuation (sub‑limit) a sub-limit of the section above page 35 | Up to $500,000 | |
| 4. Incidental expenses each 24 hours (sub-limit) a sub-limit of the section above page 35 | Up to $80 per 24-hour period to a maximum of $4,800 | |
| 5. Extra accommodation (room only) (sub-limit) a sub-limit of the section above page 35 | Up to $250 per 24-hour period to a maximum of $5,000 | |
| 6. (a) Return economy airfare (sub‑limit) a sub-limit of the section above page 35 | Up to $3,000 | |
| 6. (b) Extra accommodation (room‑only) (sub-limit) a sub-limit of the section above page 35 | Up to $200 per 24-hour period to a maximum of $2,800 | |
| 2. In the event of your death (Repatriation/Funeral/Burial costs) page 35 | Up to $20,000 | |
| In the event of your death in a Schengen member state page 35 | Up to 30,000 EUR | |
| Loss of Income Cover (section limit) page 37 | Up to $21,700 | |
| Monthly Salary (up to 5 months) page 37 | Up to $4,340 per month | |
| 1. Returning to Australia for a Close Relative page 37 | Up to $3,000 | |
| 2. Returning to Australia for a Close Relative with a Pre-Existing Medical Condition page 37 | Up to $2,000 | |
| 1. Delayed, cancelled, overbooked or missed onward flight page 39 | Up to $750, after 6 hours | |
| 2. Extended delayed, cancelled, overbooked or missed onward flight page 39 | Up to $700 per 24-hour period (first payable after 30 hours) to a maximum of $3,500 | |
| 3. Delay of Personal Baggage checked-in on Scheduled Flight page 39 | Up to $500, after 12 hours | |
| 4. Extended Delay of Personal Baggage checked-in on Scheduled Flight page 39 | Up to $500 per 24-hour period (first payable after 36 hours) to a maximum of $2,500 | |
| 5. Delayed arrival to a Special Event page 39 | Up to $750 | |
| Personal Baggage, Valuables, Money and Travel Documents Cover (section limit) page 39 | Up to $15,000 | |
| (a) Money and Travel Documents (sub-limit) a sub-limit of the section above page 39 | Up to $1,000 | |
| (e) Maximum total of all Valuables (including sub-limits i. to iii. ); page 39 | Up to $13,000 | |
| i. 1 Smartphone (sub-limit); a sub-limit of the section above page 39 | Up to $2,000 | |
| ii. 1 laptop (sub-limit); a sub-limit of the section above page 39 | Up to $5,000 | |
| iii. 1 camera (including lenses and accessories) (sub-limit); a sub-limit of the section above page 39 | Up to $5,000 | |
| (f) Any single item or Pair or Set of items (sub-limit); a sub-limit of the section above page 39 | Up to $2,000 | |
| (a) Return economy airfare page 39 | Up to $3,000 | |
| (b) Extra accommodation (room-only) for each 24-hour period page 39 | Up to $300 per 24-hour period to a maximum of $4,200 | |
| Personal Liability Cover (section limit) page 39 | Up to $2,500,000 | |
| Rental Vehicle Excess Cover (section limit) page 39 | Up to $5,000 |
Travel Insurance (Domestic Return Trip): the limit per benefit
| Section | Benefit as printed | Limit |
|---|---|---|
| Trip Cancellation and Amendment Cover (section limit) page 35 | Up to $3,000 | |
| (b) Travel agent commission (sub‑limit) a sub-limit of the section above page 35 | Up to $750 or 15% of the value of the travel, whichever is the lesser | |
| (c) Additional travel and accommodation (sub-limit) a sub-limit of the section above page 35 | Up to $500 | |
| 3. Repatriation/Evacuation (sub‑limit) a sub-limit of the section above page 35 | Up to $50,000 | |
| 5. Extra accommodation (room only) (sub-limit) a sub-limit of the section above page 35 | Not covered | |
| 2. In the event of your death (Repatriation/Funeral/Burial costs) page 35 | Up to $5,000 | |
| In the event of your death in a Schengen member state page 35 | Not covered | |
| 1. Returning to Australia for a Close Relative page 37 | Not covered | |
| 1. Delayed, cancelled, overbooked or missed onward flight page 39 | Up to $100, after 6 hours | |
| 2. Extended delayed, cancelled, overbooked or missed onward flight page 39 | Up to $100 per 24-hour period (first payable after 30 hours) to a maximum of $700 | |
| 3. Delay of Personal Baggage checked-in on Scheduled Flight page 39 | Up to $100, after 12 hours | |
| 4. Extended Delay of Personal Baggage checked-in on Scheduled Flight page 39 | Up to $100 per 24-hour period (first payable after 36 hours) to a maximum of $700 | |
| 5. Delayed arrival to a Special Event page 39 | Not covered | |
| Personal Baggage, Valuables, Money and Travel Documents Cover (section limit) page 39 | Up to $3,000 | |
| (a) Money and Travel Documents (sub-limit) a sub-limit of the section above page 39 | Up to $250 | |
| (e) Maximum total of all Valuables (including sub-limits i. to iii. ); page 39 | Up to $2,500 | |
| i. 1 Smartphone (sub-limit); a sub-limit of the section above page 39 | Up to $1,000 | |
| ii. 1 laptop (sub-limit); a sub-limit of the section above page 39 | Up to $1,000 | |
| iii. 1 camera (including lenses and accessories) (sub-limit); a sub-limit of the section above page 39 | Up to $1,000 | |
| (f) Any single item or Pair or Set of items (sub-limit); a sub-limit of the section above page 39 | Up to $500 | |
| (a) Return economy airfare page 39 | Up to $800 | |
| (b) Extra accommodation (room-only) for each 24-hour period page 39 | Up to $150 per 24-hour period to a maximum of $1,050 | |
| Personal Liability Cover (section limit) page 39 | Up to $1,000,000 | |
| Rental Vehicle Excess Cover (section limit) page 39 | Up to $3,000 |
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 | 8 September 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
qantas-money-titanium.json: this page as data.- Every card programme · every retail plan and what it covers
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