Free Travel Insurance With Credit Cards
Posted September 28th, 2009
and last modified August 10th, 2010
Free travel insurance is a convenient by-product for frequent overseas travellers. If you look at basic travel insurance costs for the other side of the world you quickly pay several hundred dollars for a trip.
Best Credit Card with Complimentary Travel Insurance
The Citibank Clear Platinum offers a great low interest rate and balance transfer offer as well as complimentary travel insurance making it one of the best offers available for those wanting travel insurance included with their credit card
- $99 annual fee
- 11.49% p.a. on purchases
- 0% p.a. for 7 months on balance transfers
- Cash Advance Rate of 21.24%
- Minimum Income Requirement of $50,000 p.a.
- Complimentary International Travel Insurance
Click here to read the Citibank Clear Platinum Visa Card terms and conditions
While there are always good deals to be had, there is no better deal than free and since you already pay for your credit card and use it, why not benefit from it with free travel insurance?
Free travel insurance comparison:
In Australia most gold and platinum credit cards offer free travel insurance amongst their other host of rewards. These cards always attract a higher yearly fee because of the extras you get with them.
On another note, always read the fine print of your credit card issuer to make sure you are in fact covered for what you think you are. Not all cards pay for the same cover and covers vary a lot. Plus, you need to pay for your trip with your card before the insurance becomes valid in most cases.
Credit Cards with included Free Travel Insurance Comparison
| Credit Card | Card Details | Interest Rate (p.a.) | Cash Advance Rate (p.a.) | Balance Transfer Rate (p.a.) | Annual fee | Interest free days (up to) | |
|---|---|---|---|---|---|---|---|
 Bankwest Zero Platinum MasterCard |
Complimentary international travel insurance. Awarded the \’Best Transactor Credit Card\’ by Money Magazine 2010. | 16.99% | 16.99% | 3.99% for 9 months | $0 | 55 |   |
 Westpac Earth Gold Card |
Featuring complimentary Overseas Travel Insurance cover for trips of up to 3 months | 19.64% | 21.14% | 0.99% for 6 months | $125 | 45 | |
 Citibank Gold Card |
Complimentary travel insurance provided with the Citibank Gold. | 20.74% | 21.24% | 1.9% for 12 months | $149 | 55 | |
 Westpac Earth Platinum Cards |
Featuring platinum privileges including overseas Travel Insurance cover for trips of up to 6 months | 19.64% | 21.14% | 0.99% for 6 months | $250 | 45 | |
 Citibank Clear Platinum Visa Card |
Special introductory offer on balance transfers, low ongoing interest rate and low annual fee. Visa Platinum Privileges. | 11.49% | 21.24% | 0% for 7 months | $99 | 55 | |
 Commonwealth Bank Gold Awards Credit Card |
Free International Travel/Hospital Insurance for up to 3 months*. Points exchangable for Frequent Flyer Points. | 20.49% | 21.49% | 5.99% for 5 months | $144.00 | 55 | |
 ANZ Gold Visa Card |
The ANZ Gold Visa is a card which will give you peace of mind with 2 types of insurance protection. | 18.99% | 20.74% | 7.99% for 6 months | $87 | 55 | |
 Citibank Platinum Card |
For high debt that needs a long time to be repaid, the balance transfer for life offer can’t be beaten. Also a popular and prestigious Platinum card offer. | 20.74% | 21.24% | 3.9% for life | $125 (First Year, Save $125) | 55 | |
 Citibank Emirates Platinum Card |
Free international travel and purchase insurance | 20.74% | 20.74% | 1.9% for 12 months | $229 | 55 | |
 Commonwealth Bank Platinum Awards Credit Card |
Travel Insurance for up to 12 months. Extended Insurance/Purchase/Security benefits. Commonwealth Awards Program plus extra Platinum Rewards. | 20.49% | 21.49% | 5.99% for 5 months | $280.00 | 55 | |
As you can see from the table above, all of these credit cards charge various annual fees for their cards.
Usually when the fees are higher there is more to be gained in extras and bonuses. All of the above do offer complimentary free travel insurance. Read terms before you go ahead.
Related posts:
- Credit Cards With Travel Insurance
- How to Compare Travel Credit Cards and Maximise Complimentary Insurance
- Credit Card Travel Insurance
- The Different Kinds Of Free Insurance Offered On Credit Cards
- How Good Are Travel Services Credit Cards When It Comes To Accident Cover?
- Westpac Earth Platinum Travel Insurance
- Travel Credit Cards
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Editor's Choice: Our Top Credit Cards
| Credit Card | Card Details | Interest Rate (p.a.) | Cash Advance Rate (p.a.) | Balance Transfer Rate (p.a.) | Annual fee | Interest free days (up to) | |
|---|---|---|---|---|---|---|---|
 HSBC Credit Card |  Editor's Choice:0% for 6 months Balance Transfer & No Annual Fee Featuring a $0 annual fee for life, and 0% p.a. balance transfer for 6 months, the HSBC Credit Card was voted the Best Transactor Credit Card for 2010. | 16.99% | 20.75% | 0% for 6 months | $0 | 55 | |
 Suncorp Clear Options Standard Visa Card | A great 12 month balance transfer offer, combined with a low annual fee and a good interest rate on purchases. | 12.24% | 17.99% | 1.9% for 12 months | $39 | 0 | |
December 3rd, 2009 at 3:15 pm
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