Bankwest Credit Card Complimentary Insurance

Information verified correct on September 29th, 2016
Overseas travel insurance for the family

Learn how you and your family can get insurance for your next holiday with a Bankwest credit card.

Bankwest has a range of credit cards that offer up to six months complimentary international travel insurance. This included benefit from Bankwest and Allianz Insurance is also extended to your family and children if they’re travelling with your on your trip and they meet the eligibility requirements. That means you can get cover for hospital and medical expenses, loss and theft of luggage and personal belongings, delayed travel plans, time off work due to injury and more at no extra cost.

Read more about Bankwest credit card complimentary travel insurance and find out how to make a claim on this page.

Which cards offer complimentary travel insurance?

These Bankwest credit cards offer complimentary international travel insurance when you meet the eligibility conditions.

Bankwest Gold MasterCardsBankwest Platinum MasterCards
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What are the eligibility requirements?

You’re automatically covered by this  travel insurance when you purchase at least $500 of your pre-paid travel expenses with an eligible Bankwest credit card. Prepaid expenses include flights, airport taxes, tour bookings, hotel and hostel bookings.

You can also use Bankwest More Rewards to pay for flights or purchase travel agent vouchers to get this complimentary insurance. Your spouse and children are also eligible for cover if they meet these eligibility requirements and are travelling with you for your entire journey too.

How do I know if I’m covered and what I’m covered for?

Allianz provides cover for these expenses and events:

  • Hospital expenses and emergency surgery treatment
  • The cost of replacing lost or stolen personal belongings
  • Financial compensation if your travel plans are delayed
  • Reimbursement if you have to make alternate travel plans to get to a one-off event
  • Financial compensation if you’re injured overseas and can’t work when you get back home

Pre-existing medical conditions are not covered, but you can apply to add them to your policy. Bankwest Gold MasterCard customers get up to three months insurance and Platinum MasterCard customers get up to six months complimentary insurance. When you meet the eligibility requirements, your cover will start from the date of departure that’s listed on your return travel ticket and ends when you get home or the cover period finishes.

How do I make a claim?

In AustraliaOverseas
  1. Call Allianz on 1800 785 918 within 30 days of returning to Australia.
  2. Complete a written loss report.
  3. Provide any necessary documentation to support your claim
  4. Submit the written loss report to Allianz within 30 days.
  1. Call Allianz Global Assistance on +61 7 3305 7499. Depending on your situation they will be able to advise the best course of action.
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Allianz online claims

Allianz also have an online form that you can use to make a claim from anywhere in the world. Document requirements include:

  • Copies of credit card statements
  • Tax invoices for your travel itinerary
  • Receipts for item(s) being claimed against
  • Police reports
  • Certificates of insurance

You may also be required to submit other documentation depending on your claim. Aim to provide as much information as possible and follow any advice or requests from Allianz to ensure a smoother process.

Documents to have on hand

Allianz recommends you take a copy of the credit card product disclosure statement or insurance policy booklet with you when you travel. It’s also a good idea to keep electronic copies of your travel tickets and invoices too.

In the event of a claim, you’ll need to show proof of the pre-paid travel costs made on your Bankwest credit card, such as your credit card statement or travel ticket receipt. If you used Bankwest points to pay for your flights, you must provide the order confirmation number or dispatch order number from the travel agent.

Other document requirements vary depending on the type of claim you make. If you’re claiming for travel delays, for example, you may need to provide flight bookings or travel agent’s bookings. For stolen items, on the other hand, Allianz may request a copy of a police report relating to the incident.

What insurances am I covered under?

This table shows an overview of the benefits available through Bankwest’s complimentary credit card travel insurance.

BenefitCover limit (Up to)
Medical and hospitalUnlimitedBed care patient allowance $100 in 24 hours capped at $15,000$250
Dental$2,000 per person$250
Damage and loss to belongingsWorld and Platinum MasterCard$20,000 per person$30,000 per familyGold MasterCard

$10,000 per person

$15,000 per family

$0
Unexpected cancellation of travel planUnlimitedTravel agent’s cancellation fee is capped at the lesser of 15% the value of the fee or $1,000$250
Continuing your trip after the death of a relative$5,750 per person$15,000 per family$250
Travel service provider insolvency$5,000 per person$10,000 per family$250
Special event travel arrangements$3,000 to make alternate arrangements to get to a one-off special event$250
Rental vehicle excess cover$3,000 World and Platinum MasterCard$2,250 for Gold MasterCard$250
Travel delay to cover expenses for food and accommodation after 6 hours$475 per person$1,100 per family$0
Funeral expensesWorld and Platinum MasterCard$15,000 per person$30,000 per familyGold MasterCard

$13,000 per person

$25,000 per family

$0
Accidental death, not covered under Transit Accident Insurance policyWorld and Platinum MasterCard$25,000 per cardholder/spouseGold MasterCard$20,000 per cardholder/spouse$0
Personal legal liability$2,500,000$0
Loss of income due to injury on a trip$1,000 per person per week capped at 12 weeks$0
Making boarding arrangements for domestic pets$50 every 24 hours capped at $1,000$0
Hijack and detention$100 every 24 hours capped at $20,000$0
Kidnapping and ransom$250,000$0
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Medical and hospitalA doctor taking care of a senior woman in a hospital

The Allianz emergency overseas medical benefit covers you for ambulance, hospital, dental, emergency surgery and evacuation costs if you become sick or get injured overseas. If you’re admitted to hospital as either an inpatient or an outpatient, you’re eligible for a bed care allowance to pay for any hospital extras.

Allianz can even pay to send a relative or guardian to escort you back to Australia if it’s deemed necessary. The insurer will assess your individual situation and may recommend you return to Australia for medical treatment. If you refuse this advice, you will have to pay for your medical bills abroad.

Medical Travel Insurance

What’s not covered?

You’re not covered under this policy if you need medical treatment for any of the following:

  • Sickness or injury requiring treatment from a pre-existing medical condition
  • Dental treatment resulting from precious metals in your mouth, i.e. fillings
  • Sickness or injury from taking an illicit drug
  • If you’re covered by another health or travel policy
  • If your treatment is ongoing for more than 12 months

personal-belongings

Loss and damage to personal belongings

Allianz gives you cover against damage and theft for the following types of personal belongings:

  • Clothing, bags, jewellery, toiletries: $5,550 per item
  • Portable electrical equipment / binoculars: $5,500 per item
  • Cameras: $5,500 per item
  • Laptop computers: $5,500 per item
  • Passports, travel documents, credit cards, cash and traveller’s cheques: $600 per item and $1,100 for a family
  • Emergency replacement of clothes: $600 per person and $1,200 for a family

To claim for emergency replacement of lost clothing, you’ll need to supply a written letter from the airline where your luggage was lost. You’ll also need to provide receipts for the purchase of your new clothes. If you can’t show proof of ownership for lost or stolen items, the most Allianz will pay is 10% of the cover limit.
Unexpected cancellation of travel arrangements

Unexpected cancellation of travel arrangements

This benefit gives you cover if things out of your control send your travel plans into a spin. Natural disasters, political unrest and terrorism are some of the reasons flights and travel may be delayed. This benefit also provides compensation if your travelling companion becomes ill or dies.

Other benefits

  • Resumption of your trip following the death of a relative. This benefit covers the cost of returning to Australia and then back to your destination if a relative dies. To make a claim, you must have completed less than 25% of your journey.
  • Special event. If something happens on the way to a one-off event, this insurance provides compensation for the cost of arranging alternate travel plans.
  • Rental vehicle excess. Covers the cost of rental vehicle insurance excess if you have an accident.
  • Travel delay. For setbacks longer than six hours, Allianz will pay for food and accommodation while you wait for your flight.
  • Funeral expenses. Insurance to cover funeral expenses if you die on your trip.
  • Accidental death. A  benefit paid in the event of your, your spouse or dependent child’s accident death overseas. This doesn’t cover you for death from illness or disease.
  • Legal liability. Money to pay for litigation if you’re legally liable for damage to another’s property or if you harm another person.
  • Loss of income. If you’re injured on holiday and you can’t work when you get back to Australia, this benefit provides you with a monthly allowance for up to 12 months.
  • Domestic pets boarding. You’re paid a benefit if you have to make different travel plans and you have to pay more to cater for a pet.
  • Assault requiring hospitalisation. Provides compensation if you’re hospitalised because of a violent assault.
  • Hijack and detention. A benefit that provides compensation i you’re hijacked while travelling in a public passenger vehicle.
  • Kidnap and ransom. Reimbursement for money extorted in the event of a kidnapping.

What’s not covered?

Some common events and situations where Allianz won’t pay a benefit include:

  • Sickness or injury as a result of an uncovered pre-existing medical condition.
  • Some pregnancy complications and mental illness such as dementia.
  • If you don’t take reasonable care of your belongings. For example leaving your bags unattended in a public place or in a motor vehicle on the street overnight.
  • Personal effects such as watches, iPads, laptops and mobile phones when the items are left in a car unattended are subject to benefit limits.
  • Travel booked against medical advice, seeking medical treatment or if you’re terminally ill.
  • If you ignore the advice of a government body or media advice.
  • You engage in illegal or war like activities.
  • If you or your spouse or dependent(s) decide to cut your journey short for whatever reason.
  • Bookings made with unlicensed tour operators.

This international travel insurance policy has a number of exclusions. For example, some winter sports and popular adventure sports such as rock climbing are not covered by Allianz, so you may want to to find the right level of cover for you. Contact Allianz on 1800 785 918 for information specific to this cover.

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98 Responses to Bankwest Credit Card Complimentary Insurance

  1. Default Gravatar
    Beverley | June 28, 2016

    My husband and I have a platinum credit card each but he is the main cardholder for the account. I have booked a holiday and car hire using wife’s card. Will I still be covered for travel and excess car insurance as he isn’t travelling with me?

    • Staff
      May | July 22, 2016

      Hi Beverley,

      Thanks for your inquiry.

      Sorry for the delayed reply. Just to confirm, you’ve come through to finder.com.au we are an Australian financial comparison website and general information service, not actually Bankwest.

      According to the Bankwest PDS Complimentary Credit Card Travel Insurance, the insurance is available to “eligible cardholders” that include an “additional cardholder.”

      So, if you are the ‘additional cardholder’ of your husband’s Bankwest credit card account and have purchased your ticket and prepaid travel costs for at least AU$500 using your Bankwest credit card (additional card) before leaving Australia, then you’re eligible for the international travel insurance including the rental vehicle excess cover – that is even if your husband is not travelling with you.

      Hope this has helped.

      Cheers,
      May

  2. Default Gravatar
    George | June 19, 2016

    Would I be covered for travel insurance my age 83

    • Staff
      Anndy | July 8, 2016

      Hi George,

      Thanks for your question.

      There is no age limit to be covered by Bankwest credit card complimentary travel insurance, although limits apply for pre-existing medical conditions.

      Cheers,
      Anndy

  3. Default Gravatar
    CHRISTOPHER | April 19, 2016

    Hi,

    “Step 1. Purchase a return overseas travel ticket before leaving Australia”. Doesn’t specify if I must purchase with the Bankwest card.

    If I (step 1) prepay overseas accommodation which is more than AUD$500 using the Bankwest card and then (step 2) purchase the return overseas travel ticket with cash, Am I eligible for insurance?

    If above is true, what if I complied with step 1, and then purchased the return overseas travel ticket with Kris Flyer points instead of cash, am I eligible for insurance?

    • Staff
      Anndy | April 19, 2016

      Hi Christopher,

      Thanks for your question.

      Please note that finder.com.au is a financial comparison and information service and is not a representative of Bankwest.

      To be eligible for the International Travel Insurance Policy offered to Bankwest Gold or Platinum credit cardholders, you should buy the return travel tickets before you leave Australia and spend at least A$500 on prepaid travel costs using one or combination of the following methods:

      • by charging to your eligible credit card account

      • by redeeming your Bankwest More Rewards points (does not include any points redeemed for Frequent
      Flyer programs)

      • by paying using redeemable travel agency flight vouchers that can be obtained by converting your
      Bankwest More Rewards points.

      I hope this answers your question.

      Cheers,
      Anndy

  4. Default Gravatar
    linda | March 29, 2016

    Hi, were about to book a 14 day cruise from Singapore and flights fro, Perth .does the free insurance cover cruises ? And is diverticulitis covered as medical or does it require more insurance as pre existing conditions?
    If we add hotel in few days is it covered or does it all need to be paid for in one transaction ?

    • Staff
      Debbie | April 1, 2016

      Hi Linda,

      Thanks for your inquiry.

      Please note that you have come through to finder.com.au, a comparison website, and not Bankwest.

      We can confirm that traveling via cruise is covered provided that your travel tickets have been pre-paid using your card.
      Unfortunately, diverticulitis is not listed from the covered medical conditions on Bankwest’s travel insurance policy. You may need call or speak directly to Allianz to verify.

      If you are a Bankwest World MasterCard, Platinum MasterCard or Gold MasterCard cardholder, you will be covered if you:
      Spend at least A$500 of your prepaid travel costs (includes cost of return overseas travel ticket and/ or airport departure taxes; and/ or prepaid overseas accommodation/ travel; and/ or prepaid overseas itinerary items) by one or a combination of the following methods.

      To find out more about the insurance policy, please refer to the PDS I have sent in your email.

      I hope this helps.

      Cheers,
      Debbie

  5. Default Gravatar
    | February 29, 2016

    barry
    we have booked a flight to the u/k plus hotels and car hire all paid for with my more world mastercard but since you switched to allianz
    iam finding the new rules confusing my main concern is if their is any
    age limit i am 79 and my wife is 74.

    • Staff
      Jonathan | March 1, 2016

      Hi Barry, thanks for your inquiry!

      There is no age limit to be covered by this insurance policy although limits apply for pre-existing medical conditions.

      Cheers,

      Jonathan

  6. Default Gravatar
    Kerrie | February 14, 2016

    I have purchased the tickets for an OS trip in June. Do I have to register that I have done this with the bank or is the cover automatic?

    • Staff
      Jonathan | February 15, 2016

      Hi Kerrie, thanks for your inquiry!

      You will be covered if you meet steps 1, 2 and 3 as outlined in this guide.

      Cheers,

      Jonathan

  7. Default Gravatar
    | February 7, 2016

    I have a Bankwest Qantas world MasterCard. Does the complimentary travel insurance cover an overseas trip purchased with QF frequent flyer points and the taxes and charges as well as hotels were paid for using the card?

    • Staff
      Jonathan | February 8, 2016

      Hi Joe, thanks for your inquiry!

      The International Travel Insurance policy is available to Bankwest World MasterCard, Platinum MasterCard and Gold MasterCard cardholders. The cardholder’s spouse and/ or dependent children also become eligible for this travel insurance policy when they meet the eligibility requirements outlined below:

      Step 1. Purchase a return overseas travel ticket before leaving Australia

      Step 2. Spend at least A$500 of your prepaid travel costs (includes cost of return overseas travel ticket and/ or airport departure taxes; and/ or prepaid overseas accommodation/ travel; and/ or prepaid overseas itinerary items) by one or a combination of the following methods

      Step 3. Charge at least A$500 of your prepaid travel costs to your eligible credit card account and/ or; redeeming your Bankwest More Rewards points (excluding any points redeemed for Frequent Flyer programs); and/ or paying with redeemable travel agency flight vouchers obtained by converting your Bankwest More Rewards points.

      To answer your inquiry providing that your Qantas Frequent Flyer points have been obtained by converting your Bankwest More Rewards points into redeemable travel agency flight vouchers you will be covered under this policy. Otherwise you will have to meet the eligible prepaid travel costs by one of the methods mentioned above.

      Cheers,

      Jonathan

    • Default Gravatar
      | February 9, 2016

      Thank you. A point in your answer needs clarification. you answer states that the rule is to the effect that I have spent at least $500 “of” my travel costs. The rule in fact uses “on” and not “of”. The effect of this tiny change, read in the context of all relevant rules is to the effect that all costs must be put on the card as money or Bankwest More Rewards points or redeemable travel agency vouchers, but cannot be Frequent Flyer points, and that all these costs must amount to a minimum of $500. Allianz have advised that this is their interpretation. All very confusing and these rules should be written in plain English. Can you assist in having these rules clarified?

    • Staff
      Jonathan | February 9, 2016

      Hi Joe, thanks for your response.

      That is correct. Unfortunately frequent flyer points spending will not contribute towards the required $500 prepaid spend.

      Cheers,

      Jonathan

  8. Default Gravatar
    Thomas | November 4, 2015

    I would just like to confirm what the below clause under the rental vehicle excess cover means:

    “You have taken out comprehensive car insurance against loss or damage to the vehicle as part of the rental contract”

    If I take out comprehensive car insurance, why would I need the insurance provided under the Bankwest Platinum credit card? Doesn’t taking out an insurance beat the whole purpose of the excess cover on the credit card?

    Thanks,

    Thomas

    • Staff
      Jonathan | November 4, 2015

      Hi Thomas, thanks for your inquiry!

      Taking out a comprehensive car insurance policy will insure you against paying the full amount of the repair, allowing you to instead pay an excess to cover the damages. The rental vehicle excess cover means that this excess amount that you would usually owe the insurance company will be covered by your credit card insurance policy.

      Cheers,

      Jonathan

  9. Default Gravatar
    peter | October 25, 2015

    we are platinum card holders and we want to be advised how we get a policy as described so we may better understand the procedure of actually proving coverage or do we just take the orange brochure as our coverage. We are travelling by ship also next year and the shipping company have asked us to provide proof of travel insurance. Please can you advise… Regards Peter

    • Staff
      Debbie | October 26, 2015

      Hi Peter,

      Thank you for your inquiry.
      Yes, the Complimentary Credit Card Insurance booklet includes the policy for the travel insurance. Please refer to the link I’ve sent you in your email.
      I hope that helps.

      Cheers,
      Debbie

  10. Default Gravatar
    PAUL | September 14, 2015

    I have a platinum Bankwest credit card. I am planning to cruise from Sydney to Hawaii over 18 days then have a few days in Hawaii before flying back to Brisbane. Does Bankwest cover cruising and fly trip or do you have to have a return flight?

    • Staff
      Sally | September 15, 2015

      Hi Paul,

      Thanks for your inquiry.

      Please be gently reminded that you have come through to finder.com.au, a comparison website, not Bankwest itself.

      However, we can confirm with you that cruising is considered as a special event and can be covered provided that your travel tickets have been pre-paid using your card and that your journey gets cancelled or interrupted due to reasons beyond your control.

      To find out more about the terms and conditions of Bankwest complimentary credit card insurance, I have forwarded a fine print to your email. Kindly check.

      I hope this has helped.

      Thanks,

      Sally

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