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Credit card travel insurance reviews

Can you trust the complimentary travel insurance that comes with your credit card? We decipher the small print.
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01 .Introduction


We review and compare all major credit cards on the Australian market offering travel insurance, and rate their policies.

At the cost of high fees and soaring interest rates, some credit cards are offering ‘free’ or complimentary travel insurance as an additional feature. There’s no denying this ready-to-go cover is handy when planning a holiday, but can you depend on it, or is it a better idea to go looking for a standalone policy?

Our review reveals:

On this page:

For more information about Personal insurance, see Insurance.

Credit cards reviewed

We analysed 59 credit cards from 17 institutions offering complimentary international travel insurance, including cards from:

  • AMEX
  • ANZ
  • Bank of Melbourne
  • Bank of Queensland
  • Bank of SA
  • BankWest
  • CBA
  • Citibank
  • CUA
  • HSBC
  • IMB
  • Macquarie
  • NAB
  • St George
  • Suncorp
  • Virgin Money
  • Westpac

How we test

We analyse each PDS and survey insurers for additional information. Scoring is weighted as follows:

  • Medical, 40%
  • Cancellations, 25%
  • Baggage, 20%
  • Liability, 10%
  • Excess and other services, 5%
The information contained within this report is a guide only. You will need to consider your individual situation when assessing the suitability of each product, and always refer to the full terms and conditions when using an insurance product.

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