Make sure you’re eligible and find out exactly what you’re covered under with BankSA credit card complimentary travel insurance.
BankSA are part of the Westpac Group, so this complimentary credit card travel insurance policy is underwritten by QBE – the same insurer for Westpac, Bank of Melbourne and St.George. Premium BankSA credit cards offer between three and six months complimentary international travel insurance to cardholders and family members travelling with them.
While complimentary travel insurance can come in handy, it’s important to familiarise yourself with the terms and conditions to make sure you’re eligible for cover before you go on holidays. Read on to find out if BankSA complimentary insurance is suitable for you.
What does this insurance policy guide cover?
- What are the eligibility requirements?
- How to identify if you’re covered and what you’re covered for
- How to make a claim
Which cards offer complimentary travel insurance?
These BankSA credit cards give you six months complimentary travel insurance. In this instance, these cards are considered Level 1:
If you have the BankSA Amplify Platinum you’re eligible for three months complimentary international travel insurance. This is a Level 2 credit card. Level 2 cards offer lower benefits than Level 1 cards.
What are the eligibility requirements?
To be eligible for BankSA credit card complimentary insurance, you must purchase at least $500 of your prepaid travel expenses – flights, accommodation, airport taxes, for example – on your eligible BankSA credit card, have a return travel ticket and be 80 or younger. Pre-existing medical conditions are not covered under this insurance, but you can apply to have any ongoing illnesses covered by calling QBE or applying for extra cover online.
How do I know if I’m covered and what I’m covered for?
Provided that you meet the eligibility conditions listed above, the travel insurance cover is automatic, so there’s no need to call the insurer to activate the insurance. You can find the full terms and conditions online.
Your spouse and dependent children are also eligible for cover under this policy. They must be Australian residents or 457 visa holders, be travelling with you for the entire length of journey and meet the above insurance eligibility requirements. You and your family are given comprehensive benefits including medical and dental. The cover begins when you leave your home and head to the airport or terminal. The cover ends when you arrive back home.
How do I make a claim?
If you want to make a claim, you need to contact QBE within a month of arriving home. Do this even if you have already contacted the insurer when you were overseas. You can do this by calling 1800 091 710 in Australia.
You must provide proof to QBE if you want to make a claim, this includes:
- Your credit card statement showing the purchase of prepaid travel expenses and eligibility for the cover
- A copy of the police report if you’re claiming for theft
- Receipts showing the purchase of the items which were stolen
- A copy of flight tickets if you’re claiming for travel delay
- If you’re claiming for damage of personal items, QBE may want the item for inspection
What insurances am I covered under?
You get these benefits from QBE for trauma, accidents and illness overseas.
|Benefit||Cover level (Up to)||Excess|
|Medical and hospital expenses||Levels 1 and 2 cards||$250|
|Loss & damage to personal property||Level 1 cards|
Level 2 cards
|Cancellation of travel arrangements||Levels 1 and 2 cards|
Level 1 cards
Level 2 cards
|Journey continuation if there’s a death in your family||Level 1 cards|
Level 2 cards
|Cover to arrange transport for Special Events||Level 1 cards|
Level 2 cards
|Rental vehicle excess cover||Level 1 cards|
Level 2 cards
|Travel delay (meal and accommodation costs after a 6 hour delay)||Levels 1 and 2 cards||$250|
|Funeral expenses||Levels 1 and 2 cardsUnlimited||No excess|
|Accidental death benefit (not covered under Transit Accident Insurance)||Level 1 cards|
Level 2 cards
|Legal Liability Insurance||Levels 1 and 2 cards$2,500,000||No excess|
|Loss of income protection||Level 1 cards|
Level 2 cards
|Pet insurance||Levels 1 and 2 cards$50 every 24 hours capped at $500||No excess|
|Hospitalisation from assault||Levels 1 and 2 cards$500||No excess|
|Hijacking||Levels 1 and 2 cards||No excess|
|Kidnapping||Levels 1 and 2 cards$100,000||No excess|
Some benefit limits are lower for circumstances where you’re at fault. For example, the loss and damage to personal property benefit covers your personal items to $5,000 only (Level 1 cards) if left unattended in a motor vehicle. Furthermore, there is no cover for personal items left unattended at airports or in taxis.
Medical and hospital expenses
The BankSA credit card insurance will cover the costs of your stay in an overseas hospital if you become sick or injured. This includes a daily allowance for outpatient and inpatient admission. This insurance includes a benefit to pay for a relative to come and visit you in hospital if you need to be escorted back to Australia as well.
You won’t get a benefit when:
- You get sick from a non-covered pre-existing medical condition
- You have dental issues from tooth decay resulting from fillings in cavities.
- You’re eligible to receive another insurance benefit
- Your illness arises from AIDS, HIV or ARC
- You get sick from a sexually transmitted disease
- You get sick from using an illicit drug
- Your ongoing medical expenses last longer than 12 months
Loss and damage to personal property
The following benefit claim amounts apply to BankSA credit cards with Level 1 complimentary insurance:
- Clothing and personal valuables, electrical equipment, cameras are covered for $5,000 per item
- Computers are covered up to $5,500
- Credit cards and passports are covered up to $550 per person
- Lost clothing is covered for up to $1,600 per family
The benefit amounts paid to Level 2 cards is lower than the benefits listed above for Level 1 cards. You will have to prove that you own the lost, stolen or damaged items by providing a receipt of purchase to the insurer. If you can’t prove the items are yours, QBE will only pay a maximum 10% for each claim under the loss and damage to personal property benefit.
- Rental vehicle excess cover. Covers any excess you have to pay if you do damage to a rental vehicle overseas. BankSA Amplify Signature and Vertigo Platinum cardholders have cover for both international and domestic rental vehicle excess insurance.
- Travel delay. If your flight is delayed by more than six hours you can give the receipts to QBE and they’ll reimburse you the “reasonable cost” of your food and accommodation expenses.
- Legal liability. Personal insurance in case you hurt someone or damage something and are financially liable.
- Loss of income. If you can’t work when you get home because of injuries on a trip you get a monthly benefit paid for 12 months.
- Hospitalisation from assault. This will pay you an additional benefit as well as the medical cover if you provide a police report to the insurer.
- Hijack and detention. Your vehicle is hijacked and you’re detained for more than 12 hours you are paid a benefit for each 24 hours you’re held captive thereafter.
- Kidnap and ransom. You’re kidnapped and extorted for money, a benefit is paid to compensate you for the sum. This benefit does not apply if you’re in Mexico, the Philippines, Somalia or any country in Central and South America.
- Special event. You’re going to miss a concert, wedding, sporting or one time event, the insurer will pay for the extra costs of your transport arrangements to make it in time.
These insurances are available on select BankSA premium credit cards as well as international travel insurance. These credit card perks come with strict conditions, be sure to read the product disclosure statement.
- Purchase Security Insurance. This cover protects items purchased with the BankSA cards against loss, theft and damage worldwide for up to 4 months with Level 1 BankSA cards and 3 months with Level 2 cards.
- Extended Warranty Insurance. For items purchased in Australia, the manufacturer’s warranty is doubled for periods of up to one year.
- Price Guarantee Cover. Found a cheaper price on something you’ve just bought? Price Guarantee Cover refunds you the difference.
- Interstate Flight inconvenience Cover. Get benefits for flights delays, lost luggage, cancellation of travel plans and more through this insurance.
- Rental Vehicle Excess Insurance (Australia). Covers rental vehicle insurance excess charges at rental companies across Australia.
- Transit Accident Insurance. Cover for death and injury sustained in a public passenger vehicle.
Hunting, mountaineering, rock climbing and whitewater rafting are not covered by this policy. If you have these types of activities on your holiday itinerary – including skiing – you may want to have a look at a specialised travel insurance policy. We compare travel insurance for all types of holidays.
We can also answer general questions about this policy; however, for information specific to your circumstances, contact the insurance provider directly.
Frequently asked questions
What’s a Level 1 and Level 2 card?
Level 1 and Level 2 credit cards have the same level of cover but with different payouts. Level 1 credit cards are BankSA premium credit card products and have a higher benefit payment than Level 2 BankSA credit cards.
|Level 1 BankSA credit cards||Level 2 BankSA credit cards|
What are the policy numbers if I want to make a claim?
Use these claim numbers if you want to make a claim under any of the BankSA credit card complimentary insurance policies.
|Insurance type||Policy number|
|International travel insurance||SA01000001-00|
|Interstate Flight Inconvenience||SA01000002-00|
|Transit Accident Insurance||SA01000004-00|
|Purchase Security Insurance||SA01000005-00|
|Price Guarantee Insurance||SA01000006-00|
|Extended Warranty Insurance||SA01000007-00|
|Rental Vehicle Excess (Australia) Cover||SA01000009-00|
When won’t I be covered?
QBE will not insure you for any of these events.
- Hospitalisation or sickness from a pre-existing medical condition.
- Travel for the purpose of medical treatment.
- Any travel which is against the advice of the government or mass broadcast media.
- If something happens and you’re under the influence of illicit drugs.
- You’re involved in illegal activities.
- Scuba-tank diving unless you’re qualified or with an instructor.
- Mountaineering, rock climbing, white water rafting, abseiling, bungy jumping, running with the bulls, caving, tobogganing, skydiving, base jumping, hunting or high-capacity motor cycle racing.
There is a long list of exclusions, consult the BankSA credit card travel insurance product disclosure statement if you can’t find your planned holiday activity in the above list.
Where can I find the product disclosure statement?
The BankSA credit card travel insurance PDS has all the information you’ll need if you have a specific question about this policy. You can read it here. Or it’s available in the credit cards section of the BankSA website.