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Travel insurance reviews - credit card

Last updated: 09 September 2019

We've independently reviewed 60 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.

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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.

How we score:

  • Policy benefits – Our policy score forms 60% 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.
  • Annual fee - The price score makes up to 20% of the overall score and compares the annual fee of the credit cards to the competition. The higher the price score, the cheaper the annual fee. 
  • Claim service – The claims score makes up the other 10% of the overall score and uses the Australian Financial Complaints Authority's (AFCA) data to assess how well insurers deal with claims disputes based on the number of consumers that lodged a dispute about an insurer with AFCA in 2017–18, how far they progressed through that process and what the chance was of achieving an agreeable outcome.
  • Ease of Use: The Ease of Use score makes up the rest of the overall score with 10%. This score rates how accessible a product's disclosure documents are (number of documents, word count), whether customers have to activate the credit card travel insurance, and whether the insurer allows you to claim online and operates a 24/7 claims phone line. A higher score is better.

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

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List of brands we tested in this review.

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

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    Policy age limit

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    In years (up to and including given number).

      Included in this review

      Members-only access
      • Price score
      • Brand
      • Policy
      • Overall score
      • Ease of Use score
      • Cover score
      • Claims score
      • Underwriter
      • Policy age limit
      • Medical expenses
      • Dental expenses for accident or injury ($)
      • Dental expenses acute pain ($)
      • Cancellation expenses
      • Additional expenses for interrupted travel ($)
      • Additional expenses for special event ($)
      • Additional expenses for pre-paid travel arrangements
      • Travel delay expenses ($)
      • Hours before travel delay covered
      • Limit per 24 hours for travel delay ($)
      • Baggage expenses
      • Single unspecified item ($)
      • Video or photo camera ($)
      • Laptop or tablet ($)
      • Smartphone ($)
      • Prescribed medications ($)
      • Limit for baggage lost temporarily
      • Family limit for baggage lost temporarily
      • Hours before cover applies for baggage lost temporarily
      • Rental car excess
      • Limit for rental car excess ($)


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