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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.

Get access to all CHOICE BENEFITS
$1.91/wk
*Billed quarterly

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Our recent analysis of credit cards offering complimentary travel insurance left us pleasantly surprised. See the table to find out which performed best.

In some cases, it may not be as flexible as standalone travel insurance, and much like any product, not all of them are created equal. Perhaps the biggest downside is the complicated PDS documents, and unlike purchasing travel insurance through a standalone provider, there are no provider websites that allow you to compare cover at a glance.

Overall, though, the cover would suit the requirements for many leisure travellers, and it is comparable to that which you would otherwise purchase.

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Table Allowing the user to select a number of products dependant on their filter options.
Items to compare	First Previous Last Next Showing columns 1 - 9 of 27
Select up to 5 items below. Then click the compare button Compare	Annual fee ($)	Overall Score	Medical Score (%)	Cancellations (%)	Baggage (%)	Excess* ($)	Maximum insurance period (months)	Medical cover limit ($)	Policy age limit	Hospital cash allowance ($, per day/policy limit)	Emergency dental limit ($)	Pre existing medical conditions covered with approval	Personal liability cover limit ($)	Funeral limit ($, per policy)	Accidental death benefit** ($)	Loss of income ($, per week, policy limit)	Cancellations cover limit ($)	Short delay benefit ($, per person, policy limit, benefit paid a	Benefit for hire car excess ($)	Agent, operator or airline insolvency cover limit ($)	Domestic travel inconvenience	Baggage and items limit ($, per person/per policy)	Single item limit ($)	Laptop limit ($)	Limit for goods stolen from vehicles	Limit for cash and documents ($, per person/policy limit)	Limit for baggage lost temporarily ($, per person/policy limit)

Macquarie Platinum	200	91	100	98	80	100	4	unlimited	no	150/15,000	1250	yes	2.5 million	20,000 per person up to 50,000 per policy	20,000 cardholder, 15,000 spouse, 10,000 dependent child	NA	unlimited	700/1200	5000	covered with no sub limit	Yes	15,000/20,000	3500	5500	2500	550/1250	500/1250
Macquarie Gold	100	90	98	98	85	100	3	unlimited	no	75/10,000	1250	yes	2.5 million	20,000 per person up to 50,000 per policy	15,000 cardholder, 10,000 spouse, 5000 dependent child	NA	unlimited	500/900	5000	covered with no sub limit	No	15,000/20,000	3000	5500	3500	500/1000	500/1000
CBA Diamond/Platinum	425/280	89	89	92	90	250 (A)	12	unlimited	no	100/10,000	1500	yes	2.5 million	12,500 per person up to 25,000 per policy	50,000 cardholder, 25,000 spouse, 5000 dependent child	750/7500	unlimited	250/800	2250	5000 per person, 12,000 maximum	Yes	15,000/30,000	5000	5000	2500 (exclusions apply)	500/1000	500/1000
St George^ Platinum	89	89	89	94	90	200	3	unlimited	no	100/12,000	1250	yes	2.5 million	12,000 per person up to 25,000 per policy	20,000 per cardholder or spouse	1000/10,000	unlimited	475/1100	2750	5000 per person, 10,000 maximum	Yes	15,000/20,000	5000	5000	3500	500/1000	emergency items
Bank of Queensland Platinum	199	88	91	92	85	200	6	unlimited	no	110/16,000	1250	yes	2.5 million	20,000	50,000 cardholder, 20,000 spouse, 5000 dependent child	1250/12,000	unlimited	475/1100	2750	5000 per person, 12,000 maximum	No	16,000/32,000	5000	5000	250 per item, 2500 maximum	600/1100	emergency items
Suncorp Platinum	199	88	91	92	83	200	6	unlimited	no	100/16,500	1250	yes	2.5 million	20,000	50,000 cardholder, 20,000 spouse, 5000 dependent child	1250/12,000	unlimited	475/1100	2750	5000 per person, 12,000 maximum	No	16,000/32,000	5000	5000	250 per item, 2500 maximum	600/12,00	emergency items
Virgin Money High Flyer	249	87	91	90	83	200	6	unlimited	no	110/16,000	1250	yes	2.5 million	20,000	50,000 cardholder, 20,000 spouse 5000 dependent child	1250/12,000	unlimited	Reasonable costs	2750	5000 per person, 12,000 maximum	No	16,000/32,000	5000	5000	250 per item, 2500 maximum	600/1100	emergency items
Citibank Platinum cards	Select 700 , Signature 395, Emirates 229, Platinum 199, Clear Platinum 99	86	85	92	83	200	6	unlimited	no	110/16,500	1250	yes	2.25 million	20,000	50,000 cardholder, 25,000 spouse, 5000 dependent child	1250/12,000	unlimited	Reasonable costs	2750	5000 per person, 12,000 maximum	Yes	16,000/32,000	5000	5000	250 per item, 2500 maximum	600/ 1100	emergency items
Westpac Platinum cards	55 Day Platinum 130, Earth Platinum 250, Singapore Platinum 250, Altitiude Platinum 295	86	89	94	85	200	6	unlimited	no	100/12,000	1250	yes	2.5 million	12,750 per person upt to 25,500 per policy	17,500 cardholder, 12,500 spouse	NA	unlimited	500/1000	5500	3750 per person, 7500 maximum	Yes	20,000/30,000	3500	5500	3500	550/1250	emergency items
BankWest Platinum cards	Breeze 130, More 189, Zero 0	84	80	92	95	200	6	unlimited	no	50/1500	1250	yes	2.5 million	13,000 per person up to 25,000 per policy	25,000 per policy	NA	unlimited	475/1100	3000	covered with no sub limit	Yes	20,000/30,000	5500	5500	2750	600/1100	600/1100
AMEX Platinum Charge	900	83	74	82	100	500 (B)	6	unlimited	80 years for medical cover	75/5000	1500	no	3 million	15,000	Only under Transport Accident Cover	12,000 maximum	30,000 per person, per trip	700/ no additional limit	NA	covered with no sub limit	Yes	30,000/ no additional limit	5000	5000	no sub limit	1000	700/no additional limit
Westpac Gold cards	55 Day Gold 90, Earth Gold 125, Singapore Gold 125, Altitude Gold 150	83	89	94	75	200	3	unlimited	no	100/12,000	1250	yes	2.5 million	12,500 per person upt to 25,500 per policy	15,000 for cardholder, 10,000 for spouse	NA	unlimited	500/900	5000	3250 per person, 7500 maximum	No	15,000/20,000	3000	5500	2500	500/1000	emergency items
CBA Gold cards	Awards 144, Low Fee 90, Low Rate 120	82	86	92	70	250 (A)	3	unlimited	no	75/7500	1500	yes	2.5 million	12,500 per person up to 25,000 per policy	25,000 cardholder or spouse, 5000 dependent child	750/7500	unlimited	250/800	2250	5000 per person, 12,000 maximum	No	10,000/20,000	3000	3000	2500 (exclusions apply)	500/1000	500/1000
HSBC Premier Rewards	Rewards Plus 0, Qantas Rewards 99	81	80	90	88	200	4	unlimited	no	75/2250	750	yes	2.5 million	15,000 per person up to 30,000 per policy	30,000 cardholder and spouse, 5000 dependent child	NA	unlimited	350/900	3000	3750 per person, 7500 maximum	No	25,000/40,000	6000	6000	150 per item, 1000 maximum	600/1100	emergency items
HSBC Platinum	Rewards Plus 129, Qantas Rewards 199	80	79	90	88	200	4	unlimited	no	50/1500	750	yes	2.5 million	13,000 per person up to 25,000 per policy	25,000 cardholder and spouse, 5000 dependent child	NA	unlimited	500/900	3000	3750 per person, 7500 maximum	No	20,000/32,000	5500	5500	150 per item, 1000 maximum	600/1100	emergency items
NAB Gold and platinum	Qantas Platinum 290, Qantas Gold 145.50, Velocity Gold 150, Gold Card 90, Gold Visa Debit 10 a month	80	88	80	63	200	6	Actual costs incurred	90 (restricted from 76 and older)	100/15,000	No sub limit	no	2.5 million	Actual costs incurred	150,000 cardholder, 75,000 spouse, $50,000 dependent child, maximum 150,000 per policy	1000/13,000	Actual costs incurred	250/500 (D)	5000	NA	Yes	15,000/20,000	2000	6000	no sub limit	NA	300/600
Bank of Queensland Gold	120	79	83	92	60	200	3	unlimited	no	110/7500	1000	yes	2.5 million	15,000	25,000 cardholder, 20,000 spouse, 5000 dependent child	750/8000	unlimited	275/700	2250	5000 per person, 10,000 maximum	No	11,000/16,000	3000	3000	250 per item, 2500 maximum	300/550	emergency items
IMB Rewards	90	79	84	92	58	200	3	unlimited	no	110/7500	1250	yes	2.5 million	15,000	25,000 cardholder, 20,000 spouse, 5000 dependent child	750/8000	unlimited	275/700	2250	covered with no sub limit	No	11,000/16,000	3000	3000	250 per item, 2500 maximum	300/550	300/550
CUA Rewards	90	78	83	92	58	200	3	unlimited	no	110/7500	1000	yes	2.5 million	15,000	25,000 cardholder, 20,000 spouse, 5000 dependent child	750/8000	unlimited	275/700	2250	5000 per person, 10,000 maximum	No	11,000/16,000	3000	3000	250 per item, 2500 maximum	300/550	300/550
Suncorp Gold	120	78	83	92	58	200	3	unlimited	no	25/750	1250	yes	2.5 million	15,000	25,000 cardholder, 20,000 spouse, 5000 dependent child	750/8000	unlimited	375/900	2250	5000 per person, 10,000 maximum	No	10,000/15,000	3000	3000	250 per item, 2500 maximum	300/600	emergency items
St George^ Gold Low Rate	79	78	80	92	60	200	3	unlimited	no	100/7500	1000	yes	2.5 million	10,000 per person up to 18,000 per policy	20,000 per cardholder or spouse	750/7500	unlimited	275/700	2250	3750 per person, 7500 maximum	No	11000/16000	3500	3500	2500	300/550	emergency items
BankWest Gold cards	Breeze 99, More 120, Zero 0	77	78	92	63	200	3	unlimited	no	25/750	1250	yes	2.25 million	15,000	25,000 cardholder, 20,000 spouse, 5000 dependent child	750/8000	unlimited	375/900	2250	5000 per person, 10,000 maximum	Yes	10,000/15,000	3000	3000	250 per item, 2500 maximum	300/600	emergency items
Citibank Gold	149	77	80	92	60	200	3	unlimited	no	110/7500	1250	yes	2.5 million	10,000 per person up to 20,000 per policy	20,000 policy limit	NA	unlimited	costs	2250	covered with no sub limit	No	15,000/20,000	3750	3750	2750	500/1000	300/600
ANZ Platinum cards	Platium 87 (Free first year), Rewards Platinum 149, Frequent Flyer Platinum 295	76	83	74	55	200	6	unlimited	no	75/15,000	2000	yes	2.5 million	20,000	50,000 cardholder or spouse, 1000 dependent child	345/9000	unlimited	500/1000	2000	NA	Yes	12,000/24,000	1000	4000	200 per item, 2000 maximum	NA	400/800 cardholder, 800/1600 if with spouse/family
AMEX Platinum Reserve	395	71	67	80	70	500 (B)	6	2,500,000	80 years for medical cover	150/1500	1000	no	2 million	15,000	Only under Transport Accident Cover	NA	30,000 per person, per trip	700/ no additional limit	NA	covered with no sub limit	Yes	10,000/ no additional limit	1000	5000	no sub limit	500	500/no additional limit
AMEX Qantas Ultimate	450	64	67	72	58	500 (B)	6	2,500,000	80 years for medical cover	150/1500	1000	no	2 million	15,000	Only under Transport Accident Cover	NA	12,500 per person, per trip	700/ no additional limit	NA	covered with no sub limit	Yes	10,000/ no additional limit	1000	2500	no sub limit	500	200/no additional limit
AMEX Velocity Platinum	349	63	67	72	58	500 (B)	2 (C)	2,500,000	80 years for medical cover	150/1500	1000	no	2 million	15,000	Only under Transport Accident Cover	NA	12,500 per person, per trip	700/ no additional limit	NA	covered with no sub limit	Yes	10,000/ no additional limit	1000	2500	no sub limit	500	200/no additional limit
AMEX Gold Charge	130	62	67	68	63	500 (B)	2 (C)	2,500,000	80 years for medical cover	150/1500	1000	no	1 million	15,000	Only under Transport Accident Cover	NA	10,000 per person, per trip	700/ no additional limit	NA	covered with no sub limit	Yes	10,000/ no additional limit	1000	1000	no sub limit	500	500/no additional limit
AMEX Platinum Edge	149	62	64	68	63	500 (B)	6	2,500,000	80 years for medical cover	150/1500	1000	no	1 million	15,000	Only under Transport Accident Cover	NA	10,000 per person, per trip	700/ no additional limit	NA	covered with no sub limit	Yes	10,000/ no additional limit	1000	2500	no sub limit	500	500/no additional limit
AMEX Qantas Premium	249	58	67	68	53	500 (B)	2 (C)	2,500,000	80 years for medical cover	150/1500	1000	no	NA	15,000	Only under Transport Accident Cover	NA	7500 per person, per trip	700/ no additional limit	NA	covered with no sub limit	Yes	5000/ no additional limit	1000	1000	no sub limit	500	200/no additional limit
AMEX Velocity Gold	199	58	67	68	53	500 (B)	2 (C)	2,500,000	80 years for medical cover	150/1500	1000	no	2 million	15,000	Only under Transport Accident Cover	NA	7500 per person, per trip	700/ no additional limit	NA	covered with no sub limit	Yes	5000/ no additional limit	1000	1000	no sub limit	500	200/no additional limit
Compare	First Previous Last Next Showing columns 1 - 9 of 27

Table notes:*Some claims excluded from excess. **Cover may be available through transport accident insurance. ^ Also includes Bank of Melbourne and Bank of South Australia cards of the same name. (A) 250 medical (150 other claims), (B) 500 medical, 250 for laptops and cancellations, 100 baggage, (C) 62 Days consecutive/120 per year, (D) If delay continues for an additional 18 hours, an additional $500 for singles and an additional $1000 for families max.

Also note: We survey insurers and analyse product disclosure statements (PDS), terms and conditions to rate products and produce our results. This table should be considered a general guide only, and in some cases terms have been abbreviated for clarity or to fit in the table. All travel insurance is subject to a range of additional conditions and exclusions, some of which is detailed in this report.

We've taken precautions to ensure the information is clear, but before using one of these insurance products, you must still read the PDS and ensure you understand the level of cover. Your insurer can help with any specific enquiries regarding the cover, or feel free to leave a comment on this article.

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Credit card travel insurance reviews

02.Compare results

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Credit card travel insurance reviews

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