How to activate free travel insurance cover on your credit card Friday, 1. December 2. 01. 5 Posted by Kelly Emmerton. One of the biggest perks of having a premium or travel friendly credit card in your pocket is the complimentary travel insurance that comes with it. While it’s a great freebie, the fine print can be a killer and there would be nothing worse than being mid- trip and find yourself wondering just whether or not you are covered. You can stop scratching your head! I have a Platinum credit card with the Commonwealth Bank and I'd like to know the. To activate your travel insurance;. Plus Blog.CommBank Support Community. Australian travellers lose almost $1 billion a year on money misadventures - Commonwealth Bank study. ANZ Platinum Card Travel Insurance Overseas Travel Insurance and Transport Accident Insurance Terms and Conditions The finer details. Read on for a rundown of all the key facts about Commonwealth Bank. Life Insurance Commonwealth BankTo ensure your travel insurance is activated before you jetset overseas, we’ve rounded up the major Australian credit card providers who offer complimentary credit card travel insurance for personal credit cards along with their activation requirements. Comm. Bank. Underwritten by: Allianz. Eligible Commonwealth Bank Credit Cards: Commonwealth Bank Gold Awards Credit Card Commonwealth Bank Platinum Awards Credit Card Commonwealth Bank Diamond Awards Credit Card How to activate: To be eligible for complimentary travel insurance on your Comm. Bank credit card, you need to: Have a return ticket from Australia Pay for $1,0. Comm. Bank credit card, or by redeeming your Commonwealth Rewards points. Once you meet this criteria, there are two options. Do nothing: Comm. Bank’s base travel insurance cover is automatically applied, so you don’t have to lift a finger. But base cover only covers you for medical and hospital expenses, emergency medical assistance and personal liability. Commonwealth Bank gold credit card travel insurance reviewed; July's top Virgin Australia Velocity credit card sign-up deals; How bartenders are taking the Negroni to. CommBank offers personal banking, business solutions, institutional banking, company information, and more. Top left drop down > Overseas Travel > Get travel insurance;. ![]() Activate comprehensive cover via Net. Bank: to access many more benefits like cover for your luggage or cancellation fees, before you travel log into your Netbank account and follow the prompts to activate your free cover. You have to do this each time you travel to be covered under an activated travel insurance policy; if you forget, you’ll go back to base cover. What prepaid travel costs count? The $1,0. 00 spend requirement can go towards your return ticket, accommodation, or organised tours on your trip. If you’re redeeming rewards points, you can do this at Flight Centre. Are my spouse and dependants covered? Yep, as long as they are travelling with you (the cardholder) for the duration of the trip, and, for activated cover, have met the above requirements. NABUnderwritten by: QBEEligible NAB Credit Cards: NAB Premium Card NAB Low Rate Premium NAB flybuys Rewards Card NAB Qantas Rewards Premium Card. NAB Velocity Rewards Premium Card. How to activate: NAB offers a range of insurance plans and cool perks on its credit cards and each one is activated in a slightly different way. For your overseas travel insurance plan, you need to: Have an eligible card Have a return flight from Australia Before leaving for your trip, spend $5. What prepaid travel costs count? Your return flights, transport, accommodation or tours DO count, but travellers cheques or foreign currency DON’T. To qualify, you need to use your card or card details to purchase these items - just using the account linked to your debit card (e. Bpay or Pay. Pal) won’t activate your travel insurance plan. Are my spouse and dependants covered? Yes, but remember that they will also need a return ticket for the trip and a $5. ANZUnderwritten by: QBEEligible ANZ Credit Cards: ANZ Frequent Flyer Platinum ANZ Rewards Platinum ANZ Low Rate Platinum ANZ Platinum ANZ Frequent Flyers Black ANZ Rewards Black How to activate: At $2. ANZ has one of the lowest thresholds for activation. To activate your ANZ travel insurance, all you need to do is: Have one of the above eligible cards Use it to purchase just $2. Have a return flight from Australia What prepaid travel costs count? This can include flights, other transport, accommodation or tours for you and your spouse or dependent children. Unfortunately, you won’t be able to use your reward points towards your $2. Are my spouse and dependants covered? As long as they are travelling with you, have a return ticket and $2. ANZ card. Westpac. Underwritten by: QBEEligible Westpac Credit Cards: Westpac Altitude Black (including Qantas) Westpac 5. Day Platinum Card (Platinum A) Westpac Altitude Platinum (including Qantas) (Platinum B) How to activate: It’s easy! To activate you must have: A return ticket An eligible card Paid for $5. Australia What prepaid travel costs count? Your return flight, accommodation, other travel while you’re away and any tours that might be on your itinerary can be included in the $5. Are my spouse and dependants covered? Just as long as they also have a return ticket and $5. Keep in mind that with Westpac’s complimentary travel insurance, there will be slightly different benefit limits if you’re using a Black or Platinum A card than there is using a Platinum B or Gold card. For example, on the former, you’ll get up to $5,0. American Express. Underwritten by: ACEEligible AMEX Credit Cards: Qantas AMEX Ultimate Qantas AMEX Premium AMEX Platinum Edge Credit Card AMEX Velocity Platinum Credit Card David Jones AMEX Platinum AMEX Explorer Credit Card. How to activate: Your travel insurance cover starts when you: Buy a return ticket from Australia Pay for the full fare of that ticket with your AMEX card or by redeeming Membership Rewards points with one of AMEX’s 1. What prepaid travel costs count? This one is very specific - only the full fare of your return trip counts towards activating your AMEX travel insurance cover, but it is the only cost you have to pay to activate the cover. Are my spouse and dependants covered? They are, as long as they meet the eligibility requirements, which means their return ticket was also paid for using your eligible AMEX card. Bankwest. Underwritten by: Allianz. Eligible Bankwest Credit Cards: Bankwest More World Master. Card Bankwest Qantas World Mastercard Bankwest Platinum Master. Card Bankwest More Platinum Master. Card Bankwest Zero Platinum Master. Card Bankwest Breeze Platinum Master. Card. How to activate: It’s pretty simple - you’ll be automatically covered once you: Buy a return ticket before leaving on your holiday Pay at least $5. Bankwest More Rewards points. What prepaid travel costs count? Your return flight as well as other travel during your trip, accommodation, and other items on your trip itinerary can all contribute to the $5. If you’re redeeming points to put toward it, you can do so with Webjet, but remember that you can only use your rewards points to purchase accommodation if you’ve also booked flights through Webjet. Are my spouse and dependants covered? Once you are eligible, they are too, as long as they’re travelling with you for the duration of the trip. The fine print is that they also need to individually meet the above criteria, with a return ticket and at least $5. HSBCUnderwritten by: Allianz (formerly Zurich)Eligible HSBC credit cards: HSBC Platinum Qantas Credit Card HSBC Platinum Credit Card HSBC Premier World Master. Card How to activate: There are just two simple steps: Buy a return ticket for your trip Pay for 9. HSBC card What prepaid travel costs count? Only the cost of your return ticket counts toward activating your travel insurance policy. Are my spouse and dependants covered? Yes, but they need to activate their travel insurance in the same way you do - by paying for 9. They’ll also have to be travelling with you for the duration of the trip. St. George. Underwritten by: QBEEligible St. George Credit Cards: St. George Amplify Signature St. George Vertigo Platinum (formerly Platinum visa credit card) St. George Amplify Platinum How to activate: To activate your St. George travel insurance cover, you’ll need to have: Purchased a return ticket for your trip Paid $5. St. George card What prepaid travel costs count? Accommodation, flights, other travel, and tours can all contribute to the $5. Are my spouse and dependants covered? They’ll be covered as long as they are travelling with you and meet the criteria by having a return ticket and $5. General rules to remember: Pre- existing medical conditions aren’t covered under most of these policies. If you’re travelling with a pre- existing medical condition, you might have to think about purchasing a stand alone policy which suits your needs. Check your policy for an exact definition of who qualifies as a dependent, because the age limit sometimes changes from policy to policy. If you or someone you’re travelling with needs seniors coverage, take a look at our handy guide, here. This means you should make sure you know the benefits, excess, limits on age, or special exclusions that apply to your particular policy. We hope this guide has helped answer the common question posed by many a credit card holder - “How do I activate my cover!?”. If you’re not convinced complimentary credit card insurance is for you, check out our credit card travel insurance vs stand alone policy travel insurance guide for some extra information. And while you’re here, why not checkout our guide on travelling with credit cards to find out how to make the most of your credit card while jetsetting overseas.
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