Credit cards with complimentary travel insurance

The table below displays credit cards with complimentary travel insurance offered by our online partners.

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Editor-in-Chief
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  • Purchase rate p.a. - lowest first
  • Purchase rate p.a. - highest first
  • Reward points per $1 - lowest first
  • Reward points per $1 - highest first
  • Annual fee - lowest first
  • Annual fee - highest first
promoted
Fees & charges apply. Australian Credit Licence 234945.
12.99%
-
$59
dot
0% p.a. for 24 months on balance transfers.
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Free overseas travel insurance. No FX fees.
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3% BT Fee. Ltd time, other fees, T&Cs apply.
Offer
Travel insurance
Fees & charges apply. Australian Credit Licence 234945.
Fees & charges apply. Australian Credit Licence 234945.
promoted
Fees & charges apply. Australian Credit Licence 291313.
N/A
2.25
uncapped
$1,450
Bonus
Travel insurance
Points never expire
Airline lounge access
Fees & charges apply. Australian Credit Licence 291313.
Fees & charges apply. Australian Credit Licence 291313.
promoted
Fees & charges apply. Australian Credit Licence 291313.
23.99%
2
uncapped
$395
Bonus
Travel insurance
Points never expire
Airline lounge access
Fees & charges apply. Australian Credit Licence 291313.
Fees & charges apply. Australian Credit Licence 291313.
promoted
Fees & charges apply. Australian Credit Licence 233714.
20.99%
1.25
uncapped
$295
$200 in first year
Bonus
Discount
Travel insurance
Points never expire
Airline lounge access
Fees & charges apply. Australian Credit Licence 233714.
Fees & charges apply. Australian Credit Licence 233714.
promoted
Fees & charges apply. Australian Credit Licence 291313.
23.99%
1.25
uncapped
$440
Bonus
Travel insurance
Airline lounge access
Fees & charges apply. Australian Credit Licence 291313.
Fees & charges apply. Australian Credit Licence 291313.
promoted
Fees & charges apply. Australian Credit Licence 291313.
23.99%
1
up to 12,000 pts/yr then 0.75 uncapped
$95
Bonus
Travel insurance
Fees & charges apply. Australian Credit Licence 291313.
Fees & charges apply. Australian Credit Licence 291313.
promoted
Fees & charges apply. Australian Credit Licence 233714.
20.99%
1
uncapped
$175
$99 in first year
Bonus
Discount
Travel insurance
Points never expire
Fees & charges apply. Australian Credit Licence 233714.
Fees & charges apply. Australian Credit Licence 233714.
promoted
Fees & charges apply. Australian Credit Licence 234945.
12.99%
-
$59
Offer
Travel insurance
Fees & charges apply. Australian Credit Licence 234945.
Fees & charges apply. Australian Credit Licence 234945.

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The initial results in the table above are sorted by Reward points per $1 (High-Low) , then Annual fee (Low-High) . Additional filters may have been applied, which impact the results displayed in the table - filters can be applied or removed at any time.

promoted
Fees & charges apply. Australian Credit Licence 291313.
Receive 50,000 Bonus Qantas Points
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Receive 50,000 bonus Qantas points
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Min spend $5k in first 3 months. Offer ends 1 July 2025
dot
T&Cs apply. New Amex Card Members only.
Fees & charges apply. Australian Credit Licence 291313. See Terms & Conditions.
Fees & charges apply. Australian Credit Licence 291313. See Terms & Conditions.

What is credit card travel insurance?

Complimentary credit card travel insurance is a popular feature of some premium credit cards. It can provide the cardholder cover when they are travelling domestically and/or internationally.

Complimentary travel insurance is not necessarily ‘free’. Credit card providers will usually charge an annual card fee to cover the cost. But it could be a cost-effective alternative if you are considering taking on a standalone travel insurance policy.

However, it’s important to check what your credit card travel insurance covers and what you have to do to activate your policy before you travel. For example, in most instances, complimentary travel insurance will be provided for trips that are paid for using the credit card.

Frequently Asked Questions about Credit Cards with Complimentary Travel Insurance

Coverage will depend on the credit card travel insurance policy, and it could include cover for:

  • Overseas medical expenses.
  • Lost, damaged or stolen property.
  • Cancelled or delayed flights.
  • Accidental death.
  • Legal liability (e.g. if you cause an accident during your trip and are required to pay compensation to other people).

What you are covered for, who’s covered, and what limits apply, will depend on your policy, so it’s important to read your policy documents. Exclusions can also apply and policies may only cover trips of a certain length. There may also be an excess amount payable if you need to make a claim.

Read the Product Disclosure Statement (PDS) and Target Market Determination (TMD) for the insurance policy to understand what’s included and whether it’s suitable for your situation.

Importantly, some complimentary credit card travel insurance cover may only be available to customers who have more premium credit cards. Other credit cards may still include complimentary travel insurance, but for a more basic level of cover and/or for a lower amount.

Depending on the credit card you choose, you may get all or some of the following types of insurance included as a perk.

Overseas travel insurance

This may cover the policyholder for a range of risks related to travelling overseas, such as costs incurred due to cancellations or delays, medical expenses, lost baggage and replacement of travel documents. The cost of an overseas funeral or cremation, or body repatriation, may also be covered if a person covered by the policy passes away while travelling abroad.

The policyholder may have the option of adding additional cover to their policy to cover specific risks (e.g. skiing or cruise cover) but there could be a cost for this.

Domestic travel insurance or interstate flight inconvenience

This may cover the policyholder for some risks associated with interstate travel within Australia. Covered risks may include costs incurred due to delays and cancellations, and loss or damage to personal belongings or business items. Funeral expenses as a result of accidental death may also be covered, depending on the policy.

Transit accident insurance

This kind of policy may cover accidental injury or death that occurs while the policyholder is boarding or travelling as a paying passenger on a plane, bus, train, ferry or eligible form of transport.

Car rental excess cover

Some policies may cover the policyholder for the cost of any excess they may need to pay to a rental car hire company in the event of an accident involving the rented vehicle.                                                                    This cover is sometimes included as a benefit under a broader travel insurance policy or can be added separately.

The best credit card with complimentary travel insurance will vary depending on your own circumstances and needs, such as spending habits and travel frequency. Other factors to consider include:

  • How you will pay off your credit card balance: keep in mind there’s generally spending requirements you must meet in order to qualify for complimentary travel insurance.
  • Annual fees: credit cards with travel insurance usually come with higher annual fees.
  • Other card features: it’s important to see what other features the credit card may offer, such as complimentary airport lounge access, ability to earn frequent flyer points, or rewards points. You may also want to consider the card type and network it uses.
  • What’s covered: the complimentary travel insurance may not suit your specific travel needs, so it’s important to read through what is and isn’t covered before opening a credit card account for its complimentary travel insurance.

Here are some of the potential pros and cons of complimentary credit card travel insurance:

Pros to complimentary credit card travel insurance

  • It may be cheaper than buying standalone travel insurance, particularly if you are a frequent traveller, as you would not need to purchase a new policy each time you travel.
  • The policy may also cover your spouse or family.
  • You can continue to receive complimentary cover as you get older (subject to the policy’s upper age limit), compared to standalone policies that tend to get more expensive as you age.

Cons to complimentary credit card travel insurance

  • The card may charge higher annual fees and interest than a card with no complimentary insurance.
  • The cover will vary depending on the card and it may be lower than what you can get with a standalone policy.
  • There may be exclusions, such as trip duration limits and age limits.
  • You need to activate the card and may need to spend a certain amount or pay for the trip using your credit card.

What’s on offer with credit card travel insurance and whether it’s a good option will depend on the travel insurance policy and your circumstances. Make sure you check the list of events that are and aren’t covered and what the policy limits are. If you don’t think you’ll have enough coverage or you won’t be covered for the events you want, you may want to consider buying a standalone travel insurance policy.

When looking at travel insurance, the Australian Government’s Smartraveller website recommends thinking about:

  • where you are travelling
  • how long you are travelling for
  • what you plan to do there
  • your age and health
  • how much your valuables are worth
  • shop around and choose what’s right for you.

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As Canstar’s Editor-in-Chief, Nina heads up a team of talented journalists committed to helping empower consumers to take greater control of their finances. Nina has written countless articles about finance and has been interviewed on finance topics by media organisations including The Australian, Realestate.com.au, Domain, the Herald Sun and the Sydney Morning Herald. Previously Nina founded her own agency where she provided content and communications support to clients around Australia for 8 years. She also spent four years as the PR Manager for American Express Australia, and has worked at a Brisbane communications agency where she supported dozens of clients, including Sunsuper and Suncorp. When she’s not dreaming up ways to put a fresh spin on finance, she’s taking her own advice by trying to pay her house off as quickly as possible and raising two money-savvy kids. Nina has a Bachelor of Journalism and a Bachelor of Arts with a double major in English Literature from the University of Queensland. She’s also an experienced presenter, and has hosted numerous events and YouTube series. You can follow her on LinkedIn and Canstar on Facebook. Meet the Canstar Editorial Team. Have a media enquiry, and interested in featuring Nina as a financial expert and commentator? Contact Canstar’s Media Team today.

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Joshua Sale
Joshua Sale is responsible for developing the methodology and delivering Canstar’s flagship Star Ratings, as part of Canstar’s Research Team. With tertiary qualifications in economics and finance, he enjoys helping Australians find more suitable financial products by transforming complex calculations into a consumer-friendly Star Rating that explains the values and benefits of different financial products. As one of Canstar’s company spokespeople, Joshua is confident participating in print, radio and broadcast journalism interviews. He has participated in interviews with the Australian Financial Review, news.com.au and Money Magazine, along with other leading media outlets, discussing topics such as home loan equity, banking incentive schemes, digital wallets and wider finance trends. You can follow Joshua on LinkedIn. Have a media enquiry, and interested in featuring Joshua as a financial expert and commentator? Contact Canstar’s Media Team today.

Important information

For those that love the detail

This advice is general and has not taken into account your objectives, financial situation or needs. Consider whether this advice is right for you.

Canstar may earn a fee from its Online Partners for referrals from its website tables, and from sponsorship or promotion of certain products. Fees payable by product providers for referrals and sponsorship or promotion may vary between providers, website position, and revenue model. Sponsorship/promotion fees may be higher than referral fees. If a product is sponsored or promoted, it’s an ad and it is clearly marked as such. An ad might appear in different places on our website, such as in comparison tables and articles. Ads may be displayed in a fixed position in a table, regardless of the product's rating, price or other attributes. The location of an ad doesn’t indicate any ranking or rating by Canstar. Payment of fees for ads does not influence our Star Ratings. See How We Get Paid to find out more. Payment of fees for ads does not influence our Star Ratings or Awards.

The Credit Cards Star Ratings are updated daily based on product features at that date, except for the Overseas Travel profile which is updated annually. Current rates, product features and fees are displayed and may be different to what was rated. The results don’t include every provider in the market and we may not compare all features relevant to you. You can find a description of the initial sort order below the table. Depending on which card feature/use you are looking at, the results will be sorted as follows:

  • Low fee is sorted by Star Ratings, then lowest Annual Fee, then alphabetically by brand.
  • Rewards is sorted by Star Ratings, then lowest Annual Fee, then alphabetically by brand.
  • Frequent Flyer is sorted by Star Ratings, then highest airline points per dollar, then alphabetically by brand.
  • Balance Transfer is sorted by Star Ratings, then lowest balance transfer rate, then lowest rate for the longest period, then lowest revert rate, then lowest upfront fee, and then alphabetically by brand. Please note that Balance Transfer Star Ratings are not for balance transfer suitability but are instead based on the Low Rate profile. 
  • All card types is sorted by highest Points per dollar spent, then lowest Annual fee, then alphabetically by brand.
  • Overseas Travel is sorted by Star Ratings, then lowest currency conversion on purchases, then lowest annual fee.

 

You can use the sort buttons at the top of each column to re-order the display. Learn more about our Credit Cards Star Rating Methodology and our Travel Credit Card and Travel Debit Card Star Ratings Methodology. The Occasional Overseas Traveller rating is shown in the table. The rating shown is only one factor to take into account when considering products. 

The products and Star Ratings in the table might not match your exact inputs in the selector. Sometimes the methodology uses profiles with categories or bands (e.g. income, loan amount or monthly spend), but sometimes a single methodology, without any categories or bands, is applied. The results will show the products that most closely match your selection, based on our profiles. If you are unsure about any terms used in the comparison table please refer to the glossary.

What is a Target Market Determination?

A Target Market Determination (‘TMD’) is a document that explains which people particular financial products may be suitable for (the target market) and sets out any conditions around how financial products can be distributed to consumers.

Why do product issuers provide Target Market Determinations?

From 5 October 2021, TMDs are compulsory for most financial products.

Issuers and distributors of financial products must take reasonable steps that are likely to result in financial products reaching consumers in the target market defined by the product issuer.

We recommend that you consider the TMD before making a purchase decision. Contact the product issuer directly for a copy of the TMD.

Any advice on this page is general and has not taken into account your objectives, financial situation or needs. Consider whether this general financial advice is right for your personal circumstances. Canstar provides information about credit products. We’re not suggesting or recommending a particular credit product for you. If you decide to apply for a Credit Card, you will deal directly with the provider, not with Canstar. It’s important you check rates and product information directly with the provider. Consider the Target Market Determination (TMD) before making a purchase decision. Contact the product issuer directly for a copy of the TMD. For more information, read our Detailed Disclosure.

Canstar is not providing a recommendation for your individual circumstances. We cannot and do not recommend that any particular product is suitable for you. 

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