Westpac credit card complimentary insurance
The terms
- Westpac Credit Card International Travel Insurance Product Disclosure Statements
Westpac replaced the group policy booklet for travel from 1 October 2026 with Product Disclosure Statements. - Westpac Credit Card Domestic Complimentary Insurance Policy Information Booklet
- Westpac Credit Cards Complimentary Insurance Policy Information Booklet superseded
Still the document that applies where the eligibility criteria were met before 1 October 2026, and cover under it ends on 30 September 2027. Pinned at the short URL Westpac publishes.
This cover comes with the card, from Westpac. There is nothing extra to buy.
Conditions
- Covers overseas medical emergencies on a return trip, once you have activated the cover in the Westpac App, Online Banking or by phone before you leave Australia.
- You also have to spend at least $500 of your prepaid travel costs with your eligible Westpac card before you leave, or buy the Comprehensive International Travel Insurance upgrade.
- You need a permanent home in Australia, and to be a permanent resident, hold a visa (not a tourist or working holiday visa) that lets you back in, or hold a Medicare card.
- Cardholders and spouses have to be under 81.
- One trip is covered for up to three months with an Altitude Black card or Low Fee Platinum, or one month with an Altitude Platinum card.
- Ocean cruises and pre-existing medical conditions are not covered.
overseas return-trips-only pay-part-fare australian-residents-only age-to-80 overseas-3-months overseas-1-months activation-required pre-existing-not-covered cruise-not-covered
What it pays
Complimentary International Medical Travel Insurance (Cardholder Limit): the limit per benefit
| Section | Benefit as printed | Limit |
|---|---|---|
| 1.1 | Overseas Emergency Assistance (including Medical Evacuation and Repatriation)^ | $20 million |
| 1.2 | Overseas Medical & Hospital Expenses (including Dental)^ | $20 million |
| 1.3 | Funeral Expenses^ | $60,000 |
| 6.1 | Personal Liability # | $5 million |
Complimentary International Medical Travel Insurance (Cardholder & Spouse Limit): the limit per benefit
| Section | Benefit as printed | Limit |
|---|---|---|
| 1.1 | Overseas Emergency Assistance (including Medical Evacuation and Repatriation)^ | $40 million |
| 1.2 | Overseas Medical & Hospital Expenses (including Dental)^ | $40 million |
| 1.3 | Funeral Expenses^ | $120,000 |
| 6.1 | Personal Liability # | $5 million |
Complimentary International Medical Travel Insurance (Excess): the excess per benefit
| Section | Benefit as printed | Excess |
|---|---|---|
| 1.1 | Overseas Emergency Assistance (including Medical Evacuation and Repatriation) | Nil |
| 1.2 | Overseas Medical & Hospital Expenses (including Dental) | $500 |
| 1.3 | Funeral Expenses | Nil |
| 6.1 | Personal Liability | $500 |
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 | — |
| 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 | 1 October 2026 |
These insurances are insured by Allianz Australia Insurance Limited ABN 15 000 122 850 AFS Licence 234708 Registered Office Level 16, 10 Carrington Street Sydney NSW 2000
What else this document covers
- International Travel Insurance
Data
westpac-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.