{
 "programme_slug": "westpac-cards",
 "issuer": "Westpac",
 "programme": "Westpac credit card complimentary insurance",
 "issuer_page": "https://www.westpac.com.au/personal-banking/credit-cards/complimentary-credit-card-insurance/",
 "page": "https://deepalmanac.com/au/insurance/travel/cards/westpac-cards/",
 "governing_document": "https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/WBC_Credit_Card_International_Travel_Insurance_PDS.pdf",
 "documents": [
  {
   "url": "https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/WBC_Credit_Card_International_Travel_Insurance_PDS.pdf",
   "label": "Westpac Credit Card International Travel Insurance Product Disclosure Statements",
   "role": "international",
   "governs": "current",
   "note": "Westpac replaced the group policy booklet for travel from 1 October 2026 with Product Disclosure Statements.",
   "words": 38559
  },
  {
   "url": "https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/WBC_Credit_Card_Domestic_Complimentary_Insurance_Policy_Information_Booklet.pdf",
   "label": "Westpac Credit Card Domestic Complimentary Insurance Policy Information Booklet",
   "role": "domestic",
   "governs": "current",
   "note": null,
   "words": 12403
  },
  {
   "url": "https://www.westpac.com.au/cc-comp-insurance",
   "label": "Westpac Credit Cards Complimentary Insurance Policy Information Booklet",
   "role": "combined",
   "governs": "superseded",
   "note": "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.",
   "words": 28092
  }
 ],
 "insurer": {
  "name": "Allianz Australia Insurance Limited",
  "abn": "15000122850",
  "afsl": "234708",
  "quote": "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",
  "citation": {
   "quote": "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",
   "url": "https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/WBC_Credit_Card_International_Travel_Insurance_PDS.pdf#page=2",
   "page": 2,
   "document_sha256": "407b13bd14197a2330161785d291198d91f51a682aa1d32841c01ad0f427f126",
   "confirmed": "2026-11-05"
  }
 },
 "register": {
  "outcome": "apra_authorised",
  "authorised": true,
  "matched_name": "Allianz Australia Insurance Limited",
  "register_section": "Authorised to conduct new or renewal insurance business",
  "afs_licence_number": "234708"
 },
 "group_policy_manager": null,
 "policy_owner": null,
 "cover_basis": {
  "basis": "group_policy_beneficiary",
  "means": "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.",
  "quote": "a third party beneficiary by reason of the statutory operation of Section 48 of the Insurance Contracts Act 1984 (Cth)",
  "citation": {
   "quote": "a third party beneficiary by reason of the statutory operation of Section 48 of the Insurance Contracts Act 1984 (Cth)",
   "url": "https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/WBC_Credit_Card_International_Travel_Insurance_PDS.pdf#page=12",
   "page": 12,
   "document_sha256": "407b13bd14197a2330161785d291198d91f51a682aa1d32841c01ad0f427f126",
   "confirmed": "2026-11-05"
  }
 },
 "effective_date": {
  "effective_date": "2026-10-01",
  "quote": "Effective: 1 October 2026",
  "citation": {
   "quote": "Effective: 1 October 2026",
   "url": "https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/WBC_Credit_Card_International_Travel_Insurance_PDS.pdf#page=1",
   "page": 1,
   "document_sha256": "407b13bd14197a2330161785d291198d91f51a682aa1d32841c01ad0f427f126",
   "confirmed": "2026-11-05"
  }
 },
 "charge_requirement": {
  "kind": "minimum_amount",
  "amount_aud": 500,
  "note": null,
  "quote": "before leaving Australia you spend at least $500 on your prepaid travel costs on your eligible card or you upgrade your cover by purchasing Comprehensive International Travel Insurance",
  "citation": {
   "quote": "before leaving Australia you spend at least $500 on your prepaid travel costs on your eligible card or you upgrade your cover by purchasing Comprehensive International Travel Insurance",
   "url": "https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/WBC_Credit_Card_International_Travel_Insurance_PDS.pdf#page=15",
   "page": 15,
   "document_sha256": "407b13bd14197a2330161785d291198d91f51a682aa1d32841c01ad0f427f126",
   "confirmed": "2026-11-05"
  }
 },
 "return_ticket": {
  "required": true,
  "quote": "you have a return overseas travel ticket before leaving Australia",
  "citation": {
   "quote": "you have a return overseas travel ticket before leaving Australia",
   "url": "https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/WBC_Credit_Card_International_Travel_Insurance_PDS.pdf#page=16",
   "page": 16,
   "document_sha256": "407b13bd14197a2330161785d291198d91f51a682aa1d32841c01ad0f427f126",
   "confirmed": "2026-11-05"
  }
 },
 "residency": {
  "required": true,
  "quote": "are a permanent resident of Australia",
  "citation": {
   "quote": "are a permanent resident of Australia",
   "url": "https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/WBC_Credit_Card_International_Travel_Insurance_PDS.pdf#page=15",
   "page": 15,
   "document_sha256": "407b13bd14197a2330161785d291198d91f51a682aa1d32841c01ad0f427f126",
   "confirmed": "2026-11-05"
  }
 },
 "age_limit": {
  "maximum_age": 80,
  "stated_as": "aged under 81 years",
  "quote": "Only available for customers aged under 81 years at the time of issue of your Certificate of Insurance",
  "citation": {
   "quote": "Only available for customers aged under 81 years at the time of issue of your Certificate of Insurance",
   "url": "https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/WBC_Credit_Card_International_Travel_Insurance_PDS.pdf#page=59",
   "page": 59,
   "document_sha256": "407b13bd14197a2330161785d291198d91f51a682aa1d32841c01ad0f427f126",
   "confirmed": "2026-11-05"
  }
 },
 "period_of_cover": {
  "periods": [
   {
    "count": 3,
    "unit": "months",
    "applies_to": "cardholders, their spouses and/ or dependants from the date you commence your journey",
    "stated": "Up to three (3) consecutive months for cardholders, their spouses and/ or dependants from the date you commence your journey"
   },
   {
    "count": 1,
    "unit": "months",
    "applies_to": "cardholders, their spouses and/or dependants from the date you commence your journey",
    "stated": "Up to one (1) month for cardholders, their spouses and/or dependants from the date you commence your journey"
   }
  ],
  "quote": "Up to three (3) consecutive months for cardholders, their spouses and/ or dependants from the date you commence your journey Level 2 Cards Up to one (1) month for cardholders, their spouses and/or dependants from the date you commence your journey The maximum period of cover available for…",
  "citation": {
   "quote": "Up to three (3) consecutive months for cardholders, their spouses and/ or dependants from the date you commence your journey Level 2 Cards Up to one (1) month for cardholders, their spouses and/or dependants from the date you commence your journey The maximum period of cover available for",
   "url": "https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/WBC_Credit_Card_International_Travel_Insurance_PDS.pdf#page=17",
   "page": 17,
   "document_sha256": "407b13bd14197a2330161785d291198d91f51a682aa1d32841c01ad0f427f126",
   "confirmed": "2026-11-05"
  }
 },
 "activation": {
  "required": true,
  "quote": "You must activate the cover and fulfil the eligibility criteria for your card type in order to access both the Complimentary International Medical Travel Insurance and the purchased cover in the Comprehensive International Travel Insurance of these Product Disclosure…",
  "citation": {
   "quote": "You must activate the cover and fulfil the eligibility criteria for your card type in order to access both the Complimentary International Medical Travel Insurance and the purchased cover in the Comprehensive International Travel Insurance of these Product Disclosure",
   "url": "https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/WBC_Credit_Card_International_Travel_Insurance_PDS.pdf#page=5",
   "page": 5,
   "document_sha256": "407b13bd14197a2330161785d291198d91f51a682aa1d32841c01ad0f427f126",
   "confirmed": "2026-11-05"
  }
 },
 "pre_existing_conditions": {
  "cover": "excluded",
  "quote": "PRE-EXISTING MEDICAL CONDITIONS There is no cover for any claims arising from, related to or associated with your pre-existing medical conditions under Complimentary International Medical Travel Insurance",
  "citation": {
   "quote": "PRE-EXISTING MEDICAL CONDITIONS There is no cover for any claims arising from, related to or associated with your pre-existing medical conditions under Complimentary International Medical Travel Insurance",
   "url": "https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/WBC_Credit_Card_International_Travel_Insurance_PDS.pdf#page=22",
   "page": 22,
   "document_sha256": "407b13bd14197a2330161785d291198d91f51a682aa1d32841c01ad0f427f126",
   "confirmed": "2026-11-05"
  }
 },
 "covers_offered": {
  "covers": [
   "International Travel Insurance"
  ],
  "quote": "International Travel Insurance",
  "citations": [
   {
    "quote": "International Travel Insurance",
    "url": "https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/WBC_Credit_Card_International_Travel_Insurance_PDS.pdf#page=1",
    "page": 1,
    "document_sha256": "407b13bd14197a2330161785d291198d91f51a682aa1d32841c01ad0f427f126",
    "confirmed": "2026-11-05"
   }
  ]
 },
 "travel_cover": {
  "international": true,
  "domestic": false,
  "named_as": [
   "International Travel Insurance"
  ],
  "means": null,
  "quote": "Comprehensive International Travel Insurance These insurances are issued and managed by AWP Australia Pty Ltd trading as Allianz Global Assistance ABN 52 097 227 177 AFS Licence 245631 as an agent for Allianz Australia Insurance Limited Registered Office Level 16, 310 Ann Street Brisbane QLD 4000…",
  "citation": {
   "quote": "Comprehensive International Travel Insurance These insurances are issued and managed by AWP Australia Pty Ltd trading as Allianz Global Assistance ABN 52 097 227 177 AFS Licence 245631 as an agent for Allianz Australia Insurance Limited Registered Office Level 16, 310 Ann Street Brisbane QLD 4000",
   "url": "https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/WBC_Credit_Card_International_Travel_Insurance_PDS.pdf#page=2",
   "page": 2,
   "document_sha256": "407b13bd14197a2330161785d291198d91f51a682aa1d32841c01ad0f427f126",
   "confirmed": "2026-11-05"
  }
 },
 "limits": {},
 "limits_read_from": "Complimentary International Medical Travel Insurance",
 "not_read": [],
 "labels": [
  "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"
 ],
 "conditions": {
  "lines": [
   "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."
  ],
  "written_on": "2026-10-15",
  "written_against_sha256": "41d433258d75047a49e26b10fe41018448beb3bed074ddd2278ce54a49bd625d"
 },
 "generated_at": "2026-11-06T03:28:46Z",
 "benefit_tables": [
  {
   "cover": "Complimentary International Medical Travel Insurance",
   "column": "Cardholder Limit",
   "kind": "limit",
   "rule": "card.limits.westpac_complimentary",
   "rows": [
    {
     "section": "1.1",
     "benefit_as_printed": "Overseas Emergency Assistance (including Medical Evacuation and Repatriation)^",
     "is_sub_limit": false,
     "page": 19,
     "stated": "$20 million",
     "kind": "amount",
     "amount_aud": 20000000,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "1.1 Overseas Emergency Assistance (including Medical Evacuation and Repatriation)^",
      "url": "https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/WBC_Credit_Card_International_Travel_Insurance_PDS.pdf#page=19",
      "page": 19,
      "document_sha256": "407b13bd14197a2330161785d291198d91f51a682aa1d32841c01ad0f427f126",
      "confirmed": "2026-11-05",
      "cells": [
       "$20 million",
       "$40 million"
      ]
     }
    },
    {
     "section": "1.2",
     "benefit_as_printed": "Overseas Medical & Hospital Expenses (including Dental)^",
     "is_sub_limit": false,
     "page": 19,
     "stated": "$20 million",
     "kind": "amount",
     "amount_aud": 20000000,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "1.2 Overseas Medical & Hospital Expenses (including Dental)^",
      "url": "https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/WBC_Credit_Card_International_Travel_Insurance_PDS.pdf#page=19",
      "page": 19,
      "document_sha256": "407b13bd14197a2330161785d291198d91f51a682aa1d32841c01ad0f427f126",
      "confirmed": "2026-11-05",
      "cells": [
       "$20 million",
       "$40 million"
      ]
     }
    },
    {
     "section": "1.3",
     "benefit_as_printed": "Funeral Expenses^",
     "is_sub_limit": false,
     "page": 19,
     "stated": "$60,000",
     "kind": "amount",
     "amount_aud": 60000,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "1.3 Funeral Expenses^",
      "url": "https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/WBC_Credit_Card_International_Travel_Insurance_PDS.pdf#page=19",
      "page": 19,
      "document_sha256": "407b13bd14197a2330161785d291198d91f51a682aa1d32841c01ad0f427f126",
      "confirmed": "2026-11-05",
      "cells": [
       "$60,000",
       "$120,000"
      ]
     }
    },
    {
     "section": "6.1",
     "benefit_as_printed": "Personal Liability #",
     "is_sub_limit": false,
     "page": 19,
     "stated": "$5 million",
     "kind": "amount",
     "amount_aud": 5000000,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "6.1 Personal",
      "url": "https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/WBC_Credit_Card_International_Travel_Insurance_PDS.pdf#page=19",
      "page": 19,
      "document_sha256": "407b13bd14197a2330161785d291198d91f51a682aa1d32841c01ad0f427f126",
      "confirmed": "2026-11-05",
      "cells": [
       "$5 million",
       "$5 million"
      ]
     }
    }
   ]
  },
  {
   "cover": "Complimentary International Medical Travel Insurance",
   "column": "Cardholder & Spouse Limit",
   "kind": "limit",
   "rule": "card.limits.westpac_complimentary",
   "rows": [
    {
     "section": "1.1",
     "benefit_as_printed": "Overseas Emergency Assistance (including Medical Evacuation and Repatriation)^",
     "is_sub_limit": false,
     "page": 19,
     "stated": "$40 million",
     "kind": "amount",
     "amount_aud": 40000000,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "1.1 Overseas Emergency Assistance (including Medical Evacuation and Repatriation)^",
      "url": "https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/WBC_Credit_Card_International_Travel_Insurance_PDS.pdf#page=19",
      "page": 19,
      "document_sha256": "407b13bd14197a2330161785d291198d91f51a682aa1d32841c01ad0f427f126",
      "confirmed": "2026-11-05",
      "cells": [
       "$20 million",
       "$40 million"
      ]
     }
    },
    {
     "section": "1.2",
     "benefit_as_printed": "Overseas Medical & Hospital Expenses (including Dental)^",
     "is_sub_limit": false,
     "page": 19,
     "stated": "$40 million",
     "kind": "amount",
     "amount_aud": 40000000,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "1.2 Overseas Medical & Hospital Expenses (including Dental)^",
      "url": "https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/WBC_Credit_Card_International_Travel_Insurance_PDS.pdf#page=19",
      "page": 19,
      "document_sha256": "407b13bd14197a2330161785d291198d91f51a682aa1d32841c01ad0f427f126",
      "confirmed": "2026-11-05",
      "cells": [
       "$20 million",
       "$40 million"
      ]
     }
    },
    {
     "section": "1.3",
     "benefit_as_printed": "Funeral Expenses^",
     "is_sub_limit": false,
     "page": 19,
     "stated": "$120,000",
     "kind": "amount",
     "amount_aud": 120000,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "1.3 Funeral Expenses^",
      "url": "https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/WBC_Credit_Card_International_Travel_Insurance_PDS.pdf#page=19",
      "page": 19,
      "document_sha256": "407b13bd14197a2330161785d291198d91f51a682aa1d32841c01ad0f427f126",
      "confirmed": "2026-11-05",
      "cells": [
       "$60,000",
       "$120,000"
      ]
     }
    },
    {
     "section": "6.1",
     "benefit_as_printed": "Personal Liability #",
     "is_sub_limit": false,
     "page": 19,
     "stated": "$5 million",
     "kind": "amount",
     "amount_aud": 5000000,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "6.1 Personal",
      "url": "https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/WBC_Credit_Card_International_Travel_Insurance_PDS.pdf#page=19",
      "page": 19,
      "document_sha256": "407b13bd14197a2330161785d291198d91f51a682aa1d32841c01ad0f427f126",
      "confirmed": "2026-11-05",
      "cells": [
       "$5 million",
       "$5 million"
      ]
     }
    }
   ]
  },
  {
   "cover": "Complimentary International Medical Travel Insurance",
   "column": "Excess",
   "kind": "excess",
   "rule": "card.excesses.westpac_complimentary",
   "rows": [
    {
     "section": "1.1",
     "benefit_as_printed": "Overseas Emergency Assistance (including Medical Evacuation and Repatriation)",
     "is_sub_limit": false,
     "page": 20,
     "stated": "Nil",
     "kind": "nil",
     "amount_aud": 0,
     "citation": {
      "quote": "1.1 Overseas Emergency Assistance (including Medical Evacuation and Repatriation)",
      "url": "https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/WBC_Credit_Card_International_Travel_Insurance_PDS.pdf#page=20",
      "page": 20,
      "document_sha256": "407b13bd14197a2330161785d291198d91f51a682aa1d32841c01ad0f427f126",
      "confirmed": "2026-11-05",
      "cells": [
       "Nil"
      ]
     }
    },
    {
     "section": "1.2",
     "benefit_as_printed": "Overseas Medical & Hospital Expenses (including Dental)",
     "is_sub_limit": false,
     "page": 20,
     "stated": "$500",
     "kind": "amount",
     "amount_aud": 500,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "1.2 Overseas Medical & Hospital Expenses (including Dental)",
      "url": "https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/WBC_Credit_Card_International_Travel_Insurance_PDS.pdf#page=20",
      "page": 20,
      "document_sha256": "407b13bd14197a2330161785d291198d91f51a682aa1d32841c01ad0f427f126",
      "confirmed": "2026-11-05",
      "cells": [
       "$500"
      ]
     }
    },
    {
     "section": "1.3",
     "benefit_as_printed": "Funeral Expenses",
     "is_sub_limit": false,
     "page": 20,
     "stated": "Nil",
     "kind": "nil",
     "amount_aud": 0,
     "citation": {
      "quote": "1.3 Funeral Expenses",
      "url": "https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/WBC_Credit_Card_International_Travel_Insurance_PDS.pdf#page=20",
      "page": 20,
      "document_sha256": "407b13bd14197a2330161785d291198d91f51a682aa1d32841c01ad0f427f126",
      "confirmed": "2026-11-05",
      "cells": [
       "Nil"
      ]
     }
    },
    {
     "section": "6.1",
     "benefit_as_printed": "Personal Liability",
     "is_sub_limit": false,
     "page": 20,
     "stated": "$500",
     "kind": "amount",
     "amount_aud": 500,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "6.1 Personal Liability",
      "url": "https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/WBC_Credit_Card_International_Travel_Insurance_PDS.pdf#page=20",
      "page": 20,
      "document_sha256": "407b13bd14197a2330161785d291198d91f51a682aa1d32841c01ad0f427f126",
      "confirmed": "2026-11-05",
      "cells": [
       "$500"
      ]
     }
    }
   ]
  }
 ],
 "rows_withheld_for_review": [],
 "no_premium": "There is none. This cover comes with the card; the card's annual fee is a credit product fee, not an insurance premium, and is not collected."
}