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Complimentary overseas travel insurance

If you have a Breeze Platinum Mastercard®, Qantas Platinum Mastercard, Qantas World Mastercard, More Platinum Mastercard or More World Mastercard you may get some complimentary benefits – like overseas travel insurance. See what's covered, where to make a claim and how to upgrade.

Are you eligible?

You, your spouse and dependent children may get complimentary cover – as long as you’re travelling overseas together and have an open and activated eligible credit card.

The best bit? There's no minimum spend – the cover applies automatically if you're eligible.

You’ll have the basic benefits, with the option to upgrade for extra protection. There are some limitations and exclusions – like if you’re 80 or over, or have pre-existing medical conditions. For more information, refer to the Credit Card Insurance Product Disclosure Statement (PDF).

Zero Platinum Mastercard

Removal of Complimentary Overseas Travel Insurance. From 3 September 2024, the Zero Platinum Mastercard will no longer have access to complimentary overseas travel insurance or upgraded benefits. If you travel from this date, you will not be eligible for cover.

Note: If you depart Australia before 3 September 2024, there is no change to the cover for your trip.

If you depart Australia before 3 September 2024, you will still be eligible for cover for your trip under the existing policy.

From 3 September 2024, a new Credit Card Insurance Product Disclosure Statement and Information Booklet will apply. If you have a Zero Platinum or Gold Mastercard you will not be eligible for complimentary cover. This means your trip is not insured through your credit card.

If you hold one of the impacted cards and have purchased an upgraded benefit, you will remain covered for your trip. This includes travel that takes place on or after 3 September 2024.

The cover is based on the original ticketed date. If your departure ticket is scheduled before 3 September 2024, cover will apply even if your flight is delayed. If your flight home is delayed, extending your journey beyond the eligible travel period, the cover will extend automatically. The delay must be due to reasons beyond your control or a claimable event as outlined in the PDS.

What are you covered for?

Your complimentary cover depends on the type of credit card you have. Limits apply.
Cover Platinum Mastercard* World Mastercard
Length of cover
31 days
6 months
Overseas emergency medical assistance
Covered
Covered
Overseas emergency medical/hospital expenses (if you’re under 80)
Covered
Covered
Baggage and personal goods
Covered
Covered
Personal liability
Covered
Covered
Accidental death
Covered
Covered
COVID-19 1
Covered
Covered
Cancellation costs
Upgrade only
Covered
Additional expenses
Upgrade only
Covered
Cover
Platinum Mastercard*
World Mastercard
Length of cover
31 days
6 months
Overseas emergency medical assistance
Covered
Covered
Overseas emergency medical/hospital expenses (if you’re under 80)
Covered
Covered
Baggage and personal goods
Covered
Covered
Personal liability
Covered
Covered
Accidental death
Covered
Covered
COVID-19 1
Covered
Covered
Cancellation costs
Upgrade only
Covered
Additional expenses
Upgrade only
Covered

*Breeze Platinum Mastercard®, Qantas Platinum Mastercard and More Platinum Mastercard

Looking for extra protection?

You can buy comprehensive and extended cover options through the Cover-More upgrade portal. Access it through the Bankwest App, otherwise you can call Cover-More on 1300 468 340.

Comprehensive cover

Buy cover for cancellation (up to $15,000 if it’s just you or up to $20,000 if it’s your family too – this is already included if you have a World Mastercard), rearrangement and a range of other extras - like rental vehicle insurance excess cover and travel delay expenses. Limits apply.

Extended cover

If you have a Breeze Platinum Mastercard, Qantas Platinum Mastercard or More Platinum Mastercard, you can extend your cover by up to two months. If you have a World Mastercard, you can extend it by up to six months.

Before you upgrade, make sure you check our Financial Services Guide (PDF).

Check your cover

See your complimentary cover and visit Cover-More to make a claim or upgrade – all from the Bankwest App.

Go to the ‘Cards’ screen from the bottom menu, choose on your eligible credit card then ‘View insurance details’.
 

'Manage my card' screen on the Bankwest App with 'View insurance details' highlighted
'Your overseas travel insurance' screen on the Bankwest App, visible for eligible Bankwest Mastercard holders

Credit Card Insurance Product Disclosure Statement and Information Booklet (PDF)

24/7 emergency assistance

Before you call

It helps to have info about the incident, plus any reports, valuations and photos handy when you call Cover-More.

Phone numbers

Charges apply if you’re calling from a mobile or payphone. You can also call direct on +61 2 8907 5615.

Making a claim

Go to Cover-More’s online portal

To make sure you know what you can claim for, see the Credit Card Insurance Product Disclosure Statement and Information Booklet (PDF). Cover-More can help you with questions about your cover and the claims process.

  • The time, date and location of the incident
  • A copy of the statement for your eligible card
  • Your police report, receipts, valuations and photos relating to your claim
  • Your phone number (so they can call you back)
  • Details of other parties involved.
Go to portal

Call 1300 468 340

Frequently asked questions

Breeze Platinum Mastercard®, Qantas Platinum Mastercard, Qantas World Mastercard, More Platinum Mastercard and More World Mastercard credit cards are automatically eligible.

If your spouse and dependent children are travelling overseas with you, they’re protected too.

You no longer need to meet the minimum spend ($500 per person on prepaid travel expenses) in order to make them eligible.

No, you can book it while you’re overseas. Just keep in mind that the insurance is for travelling, not living overseas.

If you make a claim that includes a ticket to get you home, and you didn’t book one before you left, the cost of the fare will be deducted from the claim.

You can find your complimentary policy number, upgraded policy numbers and claim info by calling or emailing Cover-More. Otherwise, you can do it from the Cover-More self-service portal through the Bankwest App.

Eligible dependent children are only covered if they travel with you for the entire trip.

Here’s Cover-More’s definition of an eligible dependent child:

  • All unmarried children, up to and including 18 years of age, who the cardholder has sole custody of and who live with the cardholder
  • All unmarried children, up to and including 18 years of age, of whom the cardholder has shared custody
  • All unmarried children, from 19 years of age up to and including 21 years of age, who are full-time students attending an accredited institution of higher learning in Australia and who the cardholder has/had sole or shared custody, and who are dependent upon the cardholder for their maintenance and financial support
  • All unmarried persons who are physically or mentally incapable of self-support who the cardholder has custody of and who live with the cardholder.

However, accompanied child/children never means an infant born on the journey.

For more info, call Cover-More on 1300 468 340.

  1. Complimentary overseas travel insurance provides base cover only and limitations, exclusions and eligibility criteria apply. See the Credit Card Insurances Product Disclosure Statement and Information Booklet (PDF) for details.

    Coronavirus (COVID-19)
    COVID-19 cover under the Overseas Emergency Medical and Hospital Expenses benefit is now included for travellers whose journey commenced on or after 24 August 2022. If you have purchased any upgraded cover before 24 August, regardless of the date travel commences, COVID-19 cover is not included under Overseas Emergency Medical and Hospital Expenses benefit. There is no COVID-19 cover for cruise travel or cancellation claims related to COVID-19. Terms and conditions apply.

    There is no cover under any other benefit for claims related to COVID-19 for all destinations. For more information please refer to the Credit Card Insurance PDS (PDF).

Insurance is provided by Zurich Australian Insurance Limited, ABN 13 000 296 640, AFS Licence Number 232507 through its agent Cover-More Insurance Services Pty Ltd ABN 95 003 114 145, AFSL 241713 (Cover-More) for Bankwest, a division of Commonwealth Bank of Australia (Bankwest).

Limitations, exclusions (including for pre-existing medical conditions and persons aged 80 years or over) and eligibility criteria apply. You need to upgrade your overseas travel insurance in order to have a comprehensive or extended level of cover. Before acting on this information you should consider the appropriateness of the product with regard to your personal circumstances. See the Credit Card Insurances Product Disclosure Statement and Information booklet (PDF) and Financial Services Guide (PDF) for details.

Bankwest and its related bodies corporate do not issue or guarantee this insurance. It does not represent a deposit with or liability of either Bankwest or any of its related bodies corporate. We do not provide any advice on this insurance based on any consideration of your objectives, financial situation or needs. If you purchase an upgrade policy, we (Bankwest) receive a commission which is a percentage of your premium.

Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.