Free Travel Insurance With Credit Cards
Posted September 28th, 2009
and last modified March 4th, 2010Free 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
- $49 (First Year, Save $50) annual fee
- 11.49% p.a. on purchases
- 20.99% p.a. on cash advances
- 0.99% p.a. for 6 months on balance transfers
- Complimentary International Travel Insurance
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) | |
|---|---|---|---|---|---|---|---|
 Citibank Clear Platinum Visa Card |
A low rate and fee for a Platinum card. 25% off a range of ‘Citibank World Privileges’, inc. shopping, dining and travel. Visa Platinum Privileges. | 11.49% | 20.99% | 0.99% for 6 months | $49 (First Year, Save $50) | 55 |   |
 Citibank Gold Card |
Complimentary travel insurance provided with the Citibank Gold. | 20.49% | 20.99% | 2.9% for 12 months | $149 | 55 | |
 Commonwealth Bank Gold Card |
Free International Travel/Hospital Insurance for up to 3 months*. Points exchangable for Frequent Flyer Points. | 19.74% | 20.74% | 5.99% for 5 months | $144.00 | 55 | |
 ANZ Gold Visa Card |
High levels of purchase security and insurance cover. Includes comprehensive travel insurance. | 18.49% | 20.24% | N/A | $87 | 55 | |
 American Express Platinum Credit Card |
A benchmark in prestigious Platinum credit cards. Extensive insurance cover on offer. | 19.99% | N/A | N/A | $395.00 | 55 | N/A |
 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. | 20.49% | 20.99% | 4.9% for life | $250 | 55 | |
 Citibank Emirates Platinum Card |
Earn 1.5 Skyward Miles for every $1 spent. Special travel insurance included from Emirates. | 20.49% | 20.49% | 3.9% for 9 months | $229 | 55 | |
 Commonwealth Bank Platinum Card |
Travel Insurance for up to 12 months. Extended Insurance/Purchase/Security benefits. Commonwealth Awards Program plus extra Platinum Rewards. | 19.74% | 20.74% | 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:
- How to Compare Travel Credit Cards and Maximise Complimentary Insurance
- Credit Card Travel Insurance
- Travel Credit Cards
- Credit Cards with Travel Rewards Programs
- How Good Are Travel Services Credit Cards When It Comes To Accident Cover?
- Complimentary Insurance For Commonwealth Gold And Platinum Credit Card
- Commonwealth Bank Gold And Platinum Credit Card Complimentary Insurance Cover
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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) | |
|---|---|---|---|---|---|---|---|
 St George Vertigo |
 Editor's Choice:Low Interest Low 2.99% for 6 months (reverts to 11.99%) p.a. interest rate and balance transfer rate, from one of Australia's most respected banks. |
2.99% for 6 months (reverts to 11.99%) | 20.74% | 2.99% for 6 months | $55 | 55 | |
 Coles Group Source MasterCard | The Coles Group Source MasterCard has no annual fee, a 0% p.a. balance transfer offer for 6 months, with a rewards program including savings on fuel and FlyBuys Points | 19.74% | 21.99% | 0% for 6 months | $0 | 62 | |
 Bankwest Zero Platinum MasterCard |
Editor's Choice: No Annual Fee Excellent introductory offer with a $0 annual fee for the life of the credit card and a 1.99% p.a. for 9 months on balance transfers |
16.99% | 16.99% | 1.99% for 9 months | $0 | 55 | |
December 3rd, 2009 at 3:15 pm
[...] Even if that were the case, you would need to verify the level of cover it affords, whether comprehensive or third [...]