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Credit card travel insurance reviews

Last updated: 30 May 2018

We've independently reviewed 59 travel insurance policies that come with credit cards.

Note: These reviews are an assessment of the insurance policy only. We don't assess the credit cards themselves, nor do we recommend any.

Remember that credit cards come with high interest rates and fees. Factor in those costs if you're considering one of these cards and consider the financial risk if you can't afford to pay your balance right away. The average credit card holder pays $700 in interest a year if their interest rate is between 15 and 20%, according to ASIC.

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How we score:

  • Policy benefits – Our policy score forms 80% of the overall score and measures the level of cover for medical, cancellation, baggage, public liability, activities covered and more. For more information, see our articles on common travel insurance exclusions, mental health and travel insurance, and travel insurance and alcohol exclusions.
  • Claim service – The claims score makes up the other 20% of the overall score and uses the Financial Ombudsman Service's (FOS) data to assess how well insurers deal with claims disputes based on the number of consumers that lodged a dispute about an insurer with FOS in 2016–17, how far they progressed through that process and what the chance was of achieving an agreeable outcome.

Our reviews are rigorous and completely independent. See how we're different to other insurance comparison websites.

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Brand

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List of brands we tested in this review.

Price

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Annual credit card fee. This is subject to change so check with the provider for the latest prices.

enter value/s in increments of 1 between 0 and 1200

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Policy age limit

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In years (up to and including given number).

International cruises

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Cover for international cruises that start and end in Australia

Scores

Policy score

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How well this policy covers features such as medical, cancellation, baggage, public liability, pre-existing conditions, cover for dependants, rental car, and activities covered.

enter value/s in increments of 1 between 58 and 86

Claims score

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The higher the rating the better they perform. Based on the number of consumers that lodged a dispute about an insurer with the Financial Ombudsman Service, how far they progressed through that process and what the chance was of achieving an agreeable outcome.

enter value/s in increments of 1 between 41 and 73

Included in this review

Members-only access
  • Annual credit card fee
  • Overall score
  • Policy score
  • Claims score
  • Buy airfare on card to activate cover
  • Minimum purchase to activate insurance
  • Buy airfare on card for all travellers to be covered
  • Can purchase be made with rewards points
  • Must notify card provider to activate insurance
  • Cover for spouse and/or dependants
  • Cover travellers on a one-way ticket
  • Additional expenses for kennel or cattery
  • Neonatal intensive care
  • International cruises
  • Domestic cruises
  • Brand
  • Policy
  • Provider
  • Days travel annually
  • Extend days on annual trip
  • Policy age limit
  • Medical expenses
  • Daily hospital cash allowance
  • Hours of hospitalisation before you received the cash allowance
  • Dental expenses for accident or injury
  • Dental expenses acute pain
  • Overseas funeral costs
  • Cancellation expenses
  • Cancellation for frequent flyer points
  • Cancellation expenses for travel agent fees
  • Additional expenses for interrupted travel
  • Travel insurance extension for delayed trip
  • Additional expenses for special event
  • Additional expenses for pre-paid travel arrangements
  • Travel delay expenses
  • Hours before travel delay covered
  • Limit per 24 hour period for travel delay
  • Baggage expenses
  • Single unspecified item
  • Video or photo camera
  • Laptop or tablet
  • Smartphone
  • Prescribed medications
  • Overall limit for specified items
  • Per item limit for specified items
  • Cover for cash
  • Limit for baggage lost temporarily
  • Family limit for baggage lost temporarily
  • Hours before cover applies for baggage lost temporarily
  • Rental car excess
  • Limit for rental car excess
  • Personal liability expenses (million)
  • Pregnancy related claims
  • Stage until pregnancy complications covered (weeks)
  • Childbirth if it occurs up until this stage of pregnancy
  • IVF pregnancies
  • Cover for listed pre-existing medical conditions
  • Cover for unlisted pre-existing medical conditions
  • Mental illness related claims
  • Heart condition related claims
  • Cancer related claims
  • Cover medical conditions with no symptoms for 2 years
  • Number of dependants permitted on a family policy
  • Maximum age for dependants
  • Moped below 50cc
  • Motorcycle
  • Scuba diving
  • Open water diving
  • Skiing
  • Skiing off-piste
  • Snowmobile
  • Tobogganing
  • Abseiling
  • Boating
  • Bungee jumping
  • Canyoning
  • Hang gliding
  • Hiking
  • Horse riding
  • Hot air ballooning
  • Kayaking
  • Parachute jumping
  • Paragliding
  • Quadbiking
  • Segway tours
  • Tandem skydiving
  • White water rafting
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