Westpac Altitude Platinum Credit Card Offers Travel Insurance

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Rates last updated November 28th, 2014

Knowing how complimentary travel insurance works can mean the difference between being covered or not, so it’s important to find this out before you embark on your trip.

Cardholders with a Westpac Altitude Platinum credit card may be aware that they get access to some complimentary insurance policies with their account. However, many cardholders simply aren’t aware of the range and scope of policies they could be taking advantage of.

Below is an overview of the policy types you could benefit from simply for owning your Westpac Altitude Platinum credit card.

Remember, the amount of cover offered is different for Westpac Black cards, Platinum Plus cards and the Singapore Airlines and 55 Day Platinum Cards, so consult further information in regards to this.

Westpac Altitude Platinum Credit Card Overview

Product NameWestpac Altitude Platinum Card
Rewards ProgramWestpac Altitude Rewards
Balance Transfer Rate3.99% p.a. for 6 months
Balance Transfer Revert Rate
The interest rate after the balance transfer ends.
Purchase Rate (20.24% p.a.)
Interest Rate on Purchases0% p.a. for 12 months (reverts to 20.24% p.a.)
Offer end date5 January 2015
Annual Fee$150 p.a.
Interest Free Period
on Purchases
The Interest free period on purchases is the period or number of days you don't have to pay interest on your card purchases. This would usually start from the first day of your credit card statement and not when the purchase is made.
up to 45 days
Interest Rate on Cash Advances21.24% p.a.
Minimum Credit Limit
This is the lowest credit card limit that you can request. It is possible to apply for a higher credit card limit but not a lower one than this figure.
$6,000
Maximum Credit Limit
This credit limit may not be issued to you immediately on application. This is the maximum credit limit for this card which must be applied for or offered to you after you are approved and have already opened the account.
$50,000
Minimum Monthly Repayment2%
Minimum Income$30,000 p.a.
Card TypeAmerican Express/Visa
Late Payment Fee$9
Foreign Currency Conversion Fee (VISA)3% of transaction value
Foreign Currency Conversion Fee (AMEX)3.5% of transaction value
Complimentary Travel InsuranceYes
Complimentary Travel Insurance Cover3 months
Available to Temporary ResidentsYes
Joint ApplicationNo

Learn more on Westpac Altitude Platinum Credit Card if you would like to apply.

Overseas Travel Insurance

When you use your Altitude Platinum card to pay for your travel costs, you’re automatically covered for a range of overseas travel insurance policies for a maximum period of three consecutive months. This coverage protects you, but it will also include coverage for your spouse and any dependent children who might be travelling with you throughout your trip.

Travel costs can include: the cost of your return overseas travel ticket, and/or your airport departure taxes, and/or prepaid overseas accommodation, and/or prepaid overseas itinerary items.

You will need to prepay for your travel arrangements and costs using your Westpac Altitude Platinum card for these policies to apply.

There are a number of different levels of cover available under this particular policy that may pertain to a range of accidents, injuries, illnesses or events. These include:

Medical and hospital expenses cover

If you incur any medical expenses while you’re on your trip overseas, you could be covered for those costs. This can include any costs incurred for surgical treatments, ambulance fees, hospital charges, nursing home costs, or other treatments received from a registered medical professional.

If your hospital and medical costs are being covered by this policy, you will also receive up $100 per day to a maximum limit of $15,000 to cover any other incidental expenses you may incur. This might include paying for TV rental or phone calls you make while you’re confined to hospital.

Your cover will also include up to $2,000 in emergency dental treatments, where the treatment is for your own teeth and doesn’t involve any ongoing dental work you may have already commenced.

You may claim against these policies as long as the injury or illness occurred during your overseas trip and were the result of an accidental event. You will not be covered if your illness or injury arose due to a pre-existing medical condition that you haven’t had approved for inclusion into this cover.

Loss or damage to personal property

If any of your personal items are accidentally damaged or lost during your trip overseas, you may be covered for them. Items may include your personal luggage, as well as your clothing or any valuables you’re carrying. It may also include electrical equipment, computers, laptops, cameras and travel documents, including passport, traveller’s cheques, and credit cards.

This policy may also cover you for the emergency replacement of personal clothing and toiletries in the event that your luggage is lost or damaged.

The amount you’re able to claim is limited to a maximum of $15,000 per person or a maximum of $20,000 per family as a total limit. However, individual limits for various items will also apply.

The amounts you can claim for lost or damaged items is itemised below:

  • Clothing and personal valuables (e.g. jewellery) – maximum of $3,500 per item
  • Electrical equipment (Game consoles, GPS devices, or binoculars) – up to $3,500 per item
  • Cameras, equipment and accessories – up to $3,500 per item
  • Laptop Computers, Tablet PCs, PDAs and Smartphones, plus equipment and accessories – up to $5,500 per item
  • Travel Documents – up to $550 per person and up to a maximum amount of $1,250 per family
  • Emergency Replacement for Personal Items (clothing & toiletries) – $550 per person up to a maximum amount of $1,000 per family (personal use only – no items for business purposes or items bought in a business name will be covered under this policy)

Cancellation of travel arrangements

There are times when your pre-paid trip may be unexpectedly cancelled due to unforeseen circumstances. When this happens, you may be able to claim back the cancellation costs you incur.

Keep in mind that you can only claim if your cancellation occurred as a result of a valid reason. Acceptable reasons for claiming against this policy include:

  • Natural disaster occurring, or warning or impending natural disaster at either your home or your travel destination
  • Lost or stolen travel documents
  • Receiving news of the death or serious illness of a relative
  • Being subpoenaed to appear in court back in Australia
  • Having your approved holiday leave cancelled for employees of the police force, fire brigade, ambulance service, defence force, or any other emergency services
  • Cancellation by the carrier or airline due to riots, civil unrest, military coup, rebellion, or war
  • Financial insolvency or the provider, airline, or carrier

Your policy may cover you for the costs you incur as a result of cancelling your trip. However, if you decide to resume the same trip at a late point, you may also be covered for any costs incurred in arranging this. This will only include any part of your trip that you have already paid for but can no longer use or any portions that have been pre-paid but aren’t refundable. This can also include any pre-paid accommodation expenses you can’t get refunded.

The amount you can claim in this policy is unlimited. However, the amount payable to cover a travel agent’s cancellation fee is limited to $500 or 15% of the value of travel arranged by agent – whichever is lower.

Coverage also includes cover for financial insolvency of a licensed service provider up to $3,750 per person or a maximum amount of $7,500 per family.

Resumption of journey following death of a relative

In the event that you were required to interrupt your overseas trip to return home due to the death of a relative, you may be covered under this policy. Interrupting a pre-paid trip to fly back to Australia will incur costs that you may be able to claim for.

This policy will cover your reimbursement of costs for airfare back to Australia and back again to your destination to resume your original trip overseas.

The maximum amount you can claim in this policy is $5,250 per person, up to a maximum amount of $12,500 per family.

Arranging alternative transport to attend special event

This policy covers you for any expenses you incur as a result of being delayed or interrupted on your way to a special event. In this context, ‘special event’ means a wedding, anniversary, concert, seminar, or other ticketed event that can’t be delayed to wait for your arrival.

If your original travel arrangements are cancelled or delayed and you incur costs attempting to find alternative transport to get you to the special event on time, those costs may be reimbursed to you under this policy. The maximum amount you can claim for with this policy is $3,250.

Rental vehicle excess

If you’re involved in an accident while driving a rental vehicle you hired during your trip overseas and you are required to pay an excess amount on your insurance, this amount may be covered.

The maximum amount you can claim for under this policy is limited to $5,000.

Travel delay

If you’re scheduled to travel aboard any transport that is unexpectedly delayed for at least six hours, you may be able to claim for any meal costs or accommodation costs you incur as a result.

The amount you can claim for under this policy is limited to $500 per person, with a maximum amount of $1,100 per family.

Accidental death

If you die as a result of an injury received from being involved in an accident during your trip overseas, you could be covered. This policy extends for up to 12 months from the date of the accident.

In the event that you’re travelling aboard a boat, ship or plane and your body isn’t recovered at all, after a 12 month period you will be considered to have died an accidental death and this policy will come into effect.

The maximum amount you can claim under this policy is limited to $25,000 per cardholder and $25,000 for a spouse or dependent child or children, up to a maximum of $75,000 per family. This only applies for any accidental death which is not already covered under Transit Accident Insurance policy.

Funeral expenses

If you die while on your trip overseas, your funeral or cremation expenses may be covered under this policy. Alternatively, you may also claim for the repatriation of your remains to be returned to Australia.

Keep in mind that this policy only covers your accidental death during your trip. It will not cover your death by suicide, or from a non-approved pre-existing medical condition.

The amount of cover for this is unlimited.

Legal liability

This covers you up to $2.5 million in the event you need to pay compensation due to negligently causing bodily harm or death to someone or losing or damaging property owned or controlled by someone else.

This cover does not provide payment for legal liability which arises out of the illness or death of a relative or travel companion, or your employee. It also doesn’t pay for liabilities that arise out of:

  • Owning or occupying land or a building;
  • Owning, controlling or using a motorised vehicle, aircraft or watercraft;
  • Your business or profession;
  • Loss or damage to any property owned or controlled by you;
  • Any fines or penalties.

Loss of income

This covers cardholders incase they lose their income for up to 12 weeks and provides cover of $750 per person per week up to a maximum of $9,000.

Domestic pets boarding

In the event your return to Australia is delayed due to eligible events, this cover will pay for additional boarding fees for domestic cats and dogs, provided evidence is provided of these fees. This covers up to $50 per 24 hour period to a maximum of $500.

Assault requiring hospitalisation

If you’re injured in an assault and require hospitalisation this covers you up to $500. You must be able to provide a medical certificate for this.

Hijack and detention

This provides up to $250 per person per 24 hour period if the plane, bus, train, ferry or taxi you’re travelling in is seized by force or threat of force by unauthorised persons and you’re detained for more than 12 continuous hours by these people. This cover extends to a maximum of $20,000 per family.

Kidnap and ransom

This provides up to $100,000 if you’re illegally abducted and forcibly held hostage for the purpose of demanding extortion or ransom money. This does not cover kidnapping in the countries or waters of Mexico, the Philippines, Somalia or any other country or territorial waters of Central America or South America.

Interstate flight inconvenience insurance

When you’re travelling to another state within Australia for a holiday, you may be covered for a range of inconveniences. These include if your flight is delayed or if you lose or damage your luggage. It also includes coverage for your accidental death, or if you’re required to cancel your trip due to unforeseen circumstances.

You must have paid for your travel arrangements using your Westpac Altitude Platinum credit card, and the trip can only be up to 14 days for these policies to apply.

Flight delay

If you’re booked aboard an interstate flight that is delayed by at least four hours and there is no alternative mode of transport to get you to your destination, you may be able to claim for the reasonable cost of meals up to a maximum amount of $50 and the cost of refreshments up to a maximum amount of $100.

Luggage delay

If you arrive at your interstate destination and you find that your luggage has been delayed for at least 12 hours, you may be covered for a maximum amount of $75 per person, up to a maximum of $250 per family.

Personal items

If your personal items are accidentally damaged, lost or stolen during your interstate trip, you may be able to claim for up to $500 per item, up to a policy maximum of $1,250. This policy does not cover laptop computers, tablet PCs, smartphones or any business items that you may have with you.

Funeral expenses

If you die during your interstate trip as a result of an accidental injury, your funeral or cremation expenses may be covered. This policy also includes the cost of returning your remains back to your home town.

The maximum amount payable under this policy is limited to $2,500 per person, up to a maximum of $5,000 per family.

Cancellation of travel

If you are required to cancel your travel arrangements due to unforeseen circumstances, you may be able to claim back the costs associated with your cancellation.

Your trip must be cancelled due to valid and acceptable reasons. These can include:

  • The death or serious injury or illness of you, your travel companion or a relative
  • Being subpoenaed to attend court anywhere in Australia
  • Natural disaster, either at your point of origin or at your destination
  • The maximum amount you can claim under this policy is limited to $1,750.

Rental vehicle excess insurance in australia

If you’re involved in an accident while driving a rental vehicle during your interstate trip within Australia, and you’re required to pay an excess on your insurance policy, the excess amount may be covered.

The maximum amount you can claim for under this policy is $5,500.

Transit accident insurance

If you are involved in an accident and are injured when you’re travelling as a passenger aboard transport as part of your interstate trip, you may be covered provided you pay for the full trip using the Altitude card before you leave. This includes travelling on board, as well as boarding or leaving a plane, ferry, bus or train. It may also include an injury sustained while in a taxi on your way to an airport, depot, station or dock as part of your trip. You do need to be a passenger, not driving or operating the transport.

The amounts payable under this policy are varied and are highly dependent on the severity of injury or injuries sustained. For example, the amount payable for the loss of both hands or both feet under this policy is $250,000, while the amount payable for the loss of sight out of one eye is $125,000.

For multiple injuries sustained as a result of the accident, this policy will pay up to a maximum amount of $650,000 for combined claims. This policy will also cover your spouse or dependent children who are travelling with you for injuries sustained during transit.

Extra card cover and policies

The Westpac Altitude Platinum card additionally offer extra cover for purchases security, warranty and price guarantee.

Purchase security policy

If you use your Westpac Altitude Platinum credit card to pay for the purchase of personal items, you could be covered against the accidental loss, damage or theft of those goods for up to three months.

This policy covers the actual purchase price of the item bought, with the exception of jewellery, watches or fine arts, which are limited to a maximum amount of $3,000 per claim.

The policy is also limited to a maximum amount of $125,000 per 12 month period.

Extended Warranty Policy

If you use your Westpac Altitude Platinum credit card to pay for items that are covered by the manufacturer’s Australian warranty, you may be able to extend that initial warranty period.

The amount of warranty extension offered depends on the original warranty amount offered. For a warranty period that is less than 12 months, the extension period will be the same as the amount offered. For example: if a 6 month warranty is offered, this will be extended by 6 months. If a 10 month warranty is offered, this will be extended by 10 months.

For any warranty period greater than 12 months, the maximum warranty extension period will be a further 2 years. For items with an Australian warranty of over five years, no cover will be added on.

The amount covered under this policy is for the purchase price of the goods in question. However, this policy is limited to a maximum amount of $10,000 in aggregated claim amounts over any 12 month period.

Price guarantee cover

There are times when you may purchase an item using your Westpac credit card, only to find that the precise same item is available at a cheaper price elsewhere. If this happens within 21 days of your original purchase, you could be refunded the difference in price.

Keep in mind that the cheaper item needs to have the exact same model number and model year and must be made by the same manufacturer as the previously purchased item.

You also need to provide verification that the same item available at a cheaper price is displayed within 25 kilometres from the store at which you originally purchased your item.

This policy will cover any price difference larger than $75 up to a maximum of $300.

How do I make a claim or get further information?

If you need to make a claim or enquire, then you’ll need to call the insurance provider for this credit card, who is Zurich Australia.

They can be called on 1800 091 710 while in Australia, and +61 2 9995 2466 if you’re experiencing an emergency while overseas.

If you’re overseas and need the following help, Zurich will also provide the following services for free:

  • Access to a registered medical practitioner for assistance and advice, including second opinions on medical matters;
  • Emergency transport to the nearest hospital;
  • Emergency evacuation if needed;
  • Informing your family in Australia of your condition and situation;
  • Payment guarantees to hospitals and insurance verification;
  • Emergency travel planning.

Remember that these policies will only work for you if you know they exist, how they function and their limitations, so make sure you’re familiar with these before purchasing an expensive item or embarking on a trip.

Minimum Income$30,000
Minimum Age18 years of age
Available to Temporary ResidentsYes - Conditions apply
Credit Rating RequirementGood
Min Credit Limit
This is the lowest credit card limit that you can request. It is possible to apply for a higher credit card limit but not a lower one than this figure.
$6,000
Max Credit Limit
This credit limit may not be issued to you immediately on application. This is the maximum credit limit for this card which must be applied for or offered to you after you are approved and have already opened the account.
$50,000
Annual Fee$150 p.a.
Minimum Repayment2%
Late Payment Fee$9
Over Limit Fee$9
Cash Advance Fee2% of the value of the transaction or a minimum charge of $2.50 will apply
Overseas Emergency Replacement$0
Overseas ATM Balance check$0
Overseas ATM Withdrawal Fee$5
Foreign Currency Conversion Fee (VISA)3% of transaction value
Foreign Currency Conversion Fee (AMEX)3.5% of transaction value
Gambling Transactions AllowedNo
Additional Cardholder Fee$0
Number of Additional Cardholders1
BPAYYes
ChequeYes
Direct DebitYes
Phone BankingYes
Internet Banking TransfersYes
In BranchYes
MailYes
Pros
  • 0% p.a. on purchases for the first 12 months (after this it converts to 20.24% p.a.)
  • You can choose from a variety of airlines with which to claim your points as opposed to a set package with one airline.
  • There is no expiry on the points you earn on your card.
Cons
  • There are only 45 days interest free when you make a purchase on your card.
  • A high annual fee of $150, so this card is not worth the fees unless you plan to milk your rewards package!
Rewards ProgramWestpac Altitude Rewards
Rewards Points per $ (VISA/MC)1
Rewards Points per $ (AMEX)2
Rewards Points per $ (VISA/MC) Cap7,500
Rewards Points per $ (AMEX) Cap7,500
Points ExpiryNever
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This page was last modified on 23 May 2014 at 13:04.

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145 Responses to Westpac Altitude Platinum Credit Card Offers Travel Insurance

  1. Default Gravatar
    Fran | November 6, 2014

    We are hiring a vehicle while on a holiday in Tasmania. I hold the Westpac Black Card and have paid for all our travel bookings with it. My husband does not have a Black Card.
    If we had to make a claim for vehicle excess for an accident which occurred while he was driving, would we be covered.

    • Staff
      Elizabeth | November 7, 2014

      Hi Fran,

      Thanks for your question.

      As long as the rental agreement is in your name, you will be covered.

      I hope this has helped.

      Thanks,

      Elizabeth

  2. Default Gravatar
    Audesapere | October 15, 2014

    I have just paid for my return ticket to australia from uk with my Westpac Platinum Altitude. I am an Australian citizen and permanent resident. Am I able to avail myself of the travel insurance element of this credit card? If not, why not?

    • Staff
      Elizabeth | October 16, 2014

      Hi Audesapere,

      Thanks for your question.

      According to the Westpac credit card insurance policy, “A cardholder becomes eligible for this Overseas travel insurance when, before leaving Australia on an overseas journey, they have a return overseas travel ticket, and A$500
      of each of their prepaid travel costs (i.e. costs of their return overseas travel ticket; and/or airport/departure taxes; and/or their prepaid overseas accommodation/travel; and/or their other prepaid overseas itinerary items) have been charged to the cardholder’s eligible credit card account.” So, you will be eligible if your ticket was more than $500.

      I hope this has helped.

      Thanks,

      Elizabeth

    • Default Gravatar
      | October 17, 2014

      No, Elizabeth… Thank you for your answer, but it was to a different question. I bought my ticket in UK, by ‘phone from Delta in US. The ticket and all associated costs were charged to my Westpac Altitude Platinum Visa, about USD$2400 for outward leg to Australia and return to UK next year. Am I able to be covered by Zurich primary policy? I have read the detail, and the formulaic answer is ‘no’, because the ticket was not bought before I departed Australia in May.I wish for a higher management decision rather than the formulaic…I have been a customer of Westpac/Bank of NSW for 60 years.

    • Staff
      Elizabeth | October 17, 2014

      Hi Audespere,

      Apologies, I misunderstood that you were already in the UK when you purchased your ticket. According to Westpac’s credit card insurance policy you won’t be covered, as you have said, because you have purchased the ticket after already having left Australia. As this is a financial comparison site I’m unable to comment on the specifics of Westpac’s policy, but if you have further questions about your individual cover you may want to get in touch with Westpac directly.

      I hope this has helped.

      Thanks,

      Elizabeth

    • Default Gravatar
      | October 18, 2014

      Thank you for your trouble, Elizabeth.

  3. Default Gravatar
    Vas | September 28, 2014

    Hi Shirley,

    I bought my return overseas tickets using the platinum card – several other flights within Europe were paid by Mastercard. Yesterday my 10am flight from Tivat to Belgrade was cancelled, which resulted in missing my 1.40pm flight from Belgrade to Skopje, both with Air Serbia. The airline insisted I pay a new fare for the second leg which flew out at 12.30 am. This also caused a penalty on a room reservation for that night. Are these expenses, due to Air Serbia’s unannounced cancellation, claimable under Westpac’s insurance?

    • Staff
      Shirley | September 29, 2014

      Hi Vas,

      Thanks for your question.

      You are eligible to claim, but please note that the final decision for your claim is up to Zurich Assist.

      If you would like to submit a claim, please see page 26 of the booklet I’ve emailed you.

      Cheers,
      Shirley

  4. Default Gravatar
    van | September 9, 2014

    I bought flight tickets to Sydney and will be on a cruise to the south pacific Fiji using the altitude platinum card. Will this trip be covered by travel insurance?

    Also my two sons are 18 and 20 and still under my guardian care. Will they both be covered by complementary insurance?

    • Staff
      Shirley | September 9, 2014

      Hi Van,

      Thanks for your question.

      Please see the relevant sections I’ve taken from the terms and conditions. “A cardholder becomes eligible for this Overseas travel insurance when, before leaving Australia on an overseas journey, they have a return overseas travel ticket, and A$500 of each of their prepaid travel costs (i.e. costs of their return overseas travel ticket; and/or airport/departure taxes; and/or their prepaid overseas accommodation/travel; and/or their other prepaid overseas itinerary items) have been charged to the cardholder’s eligible credit card account.”

      The cardholder’s spouse and/or dependent child/children are also covered if they meet this condition.

      “dependent child/children means:
      • all children up to and including the age of 18, who the cardholder has sole custody of and who live with
      the cardholder;
      • all children up to and including the age of 18 who the cardholder has shared custody of;
      • all children from the age of 19, to and including the age of 25 who are full-time students attending an accredited institution of higher learning in Australia and who the cardholder has sole or shared custody of, 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.”

      Hope this helps,
      Shirley

  5. Default Gravatar
    Rita | September 5, 2014

    We have booked holiday to Fiji with our Platinum visa, and we are flying with Virgin airlines,does the insurance cover us.
    Thank you

    • Staff
      Shirley | September 8, 2014

      Hi Rita,

      Thanks for your question.

      Please see this section of the terms and conditions;

      “A cardholder becomes eligible for this Overseas travel insurance when, before leaving Australia on an overseas journey, they have a return overseas travel ticket, and A$500 of each of their prepaid travel costs (i.e. costs of their return overseas travel ticket; and/or airport/departure taxes; and/or their prepaid overseas accommodation/travel; and/or their other prepaid overseas itinerary items) have been charged to the cardholder’s eligible credit card account.”

      Cheers,
      Shirley

  6. Default Gravatar
    Vida | August 30, 2014

    I need to know the generic name and number of my travel insurance for travel I am undertaking I had it previously but unfortunately I have deleted it.

    • Staff
      Shirley | September 1, 2014

      Hi Vida,

      Thanks for your question.

      Please get in touch with Westpac for this enquiry, as we are unable to provide a response.

      Cheers,
      Shirley

  7. Default Gravatar
    AR | August 27, 2014

    How do we activate our travel insurance
    Regards Art

    • Staff
      Elizabeth | August 28, 2014

      Hi Art,

      Thanks for your question.

      When you purchase a return overseas travel ticket using your Westpac credit card (minimum purchase amount is $500) your travel insurance will automatically be applied to that trip.

      Hope this has helped.

      Thanks,

      Elizabeth

  8. Default Gravatar
    Jan | August 23, 2014

    If there is a flight delay resulting in a missed connection (with a different airline) does travel insurance cover the cost of buying a new ticket?
    I qualify for travel insurance with my Westpac Altitude Platinum card having spent more than $500 on the fare using my card.

    • Staff
      Shirley | August 27, 2014

      Hi Jan,

      Thanks for your question.

      In the terms and conditions it states that cover is “unlimited for covered events, except for your travel agents’s cancellation fee which is limited to an amount equal to the lesser of A$500 or 15% of the value of the travel arranged by the agent”.

      For a list of covered events please refer to page 39 onwards in this document.

      All the best,
      Shirley

  9. Default Gravatar
    DILIP | August 22, 2014

    I intend to claim ‘vehicle excess’ that I was charged by EUROPCAR for car hire overseas following a small accident. Am I liable for any excess to be charged for making such a claim?

    • Staff
      Shirley | August 22, 2014

      Hi Dilip,

      Thanks for your question.

      Under the overseas travel insurance policy you must pay the first AUD $250 for each claim. The same amount applies to rental vehicle excess insurance in Australia.

      Cheers,
      Shirley

  10. Default Gravatar
    sam | August 12, 2014

    Can you just please answer this question directly: If I am going snowboarding in Japan, does the travel insurance offered by my platinum card cover me in case of injuries sustained while snowboarding?

    • Staff
      Shirley | August 13, 2014

      Hi Sam,

      Thanks for your question.

      If you’re snowboarding for leisure (so not professionally, or for a special event) then it’s likely that you’ll be covered under the travel insurance policy.

      Please note that the success of your claim cannot be guaranteed. For more information, please refer to the Product Disclosure Statement available.

      Cheers,
      Shirley

  11. Default Gravatar
    DENNIS | July 17, 2014

    HI, MY PARTNER AND I BOOKED AND PAID FOR OUR BALI HOLIDAY WITH MY ALTITUDE PLATINUM CARD, THE WORST HAS HAPPENED SHE HAS FALLEN DOWN SOME VERY STEEP STEPS AND REQUIRES SURGERY ON HER FACE FIRST THING IN THE MORNING SHE IS IN BALI BIMC. THE HOSPITAL WILL NOT OPERATE UNTIL THEY KNOW THAT THE ACCOUNT WILL BE PAID I AM INQUIRING IF SHE IS COVERED, PLEASE HELP

    • Staff
      Shirley | July 17, 2014

      Hi Dennis,

      Thanks for your question and we’re sorry to hear about your situation.

      Please contact Zurich immediately to make a claim, they should be able to organise the medical care she needs.

      Cheers,
      Shirley

  12. Default Gravatar
    Martin | July 12, 2014

    Hi ,My wife and I are on holiday in the Uk having paid for our flights with our westpac altitude credit card thus utilising holiday insurance cover. Since arriving in Uk my brother has booked a 2 week holiday in France, 31July to 14 August staying at a cottage with return Flights from LIverpool airport. We are concerned as we probably don’t have insurance for this. Can we extend our insurance to cover our holiday to France and if so what will this cost. Regards, martin

    • Staff
      Shirley | July 14, 2014

      Hi Martin,

      Thanks for your question.

      Usually the travel insurance is eligible for holidays that depart from Australia, but you might want to contact Zurich to see if you extend this cover.

      If the cover is unavailable; you can compare alternative travel insurance on this page.

      Cheers,
      Shirley

  13. Default Gravatar
    Pete | July 1, 2014

    Good morning. I have just recently obtained a Westpac Platinum Credit card. I was advised that I would be able to get complimentary travel Insurance. I was just wondering, will I still get this, as I havent booked my overseas flights with the new card.? However, I have paid for car rental in Great Britain with the card. Will the travel insurance still be applicable, with just me paying for the car rental on the new card?

    kind regards Peter

    • Staff
      Shirley | July 2, 2014

      Hi Pete,

      Thanks for your question.

      Unfortunately the fine print it states that, “a cardholder becomes eligible for this Overseas travel insurance when, before leaving Australia on an overseas journey, they have a return overseas travel ticket, and A$500
      of each of their prepaid travel costs (i.e. costs of their return overseas travel ticket; and/or airport/departure taxes; and/or their prepaid overseas accommodation/travel; and/or their other prepaid overseas itinerary items) have been charged to the cardholder’s eligible credit card account.”

      Cheers,
      Shirley

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    Ag | June 11, 2014

    You said to ‘activate my overseas insurance’. I have clicked on the appropriate link and don’t see anything that relates to activation. Do I need to activate, or as I was informed by a consultant of Westpac that I do not need to do anything. In case of claiming I need only show proof that I have prepaid either the air ticket, tax or hotel etc to the tune of $500 per cardholder. Please confirm.

    • Staff
      Shirley | June 12, 2014

      Hi Ag,

      Yes that’s correct. You’ll need to show proof that you’ve met the eligibility requirements.

      This was clearly stated in our FAQ – “a general rule is that you have to pay for a percentage of your prepaid travel expenses with your card. Once you’ve done this, you’re automatically covered under the policy agreement”

      Cheers,
      Shirley

  15. Default Gravatar
    Ag | June 10, 2014

    Hi

    We have Westpac Black Alt card. We have prepaid
    airport tax and hotel accommodation amounting to A$557 only
    for single travel for husband. Is he covered for
    travel insurance provided under this card.

    • Staff
      Shirley | June 11, 2014

      Hi Ag,

      Thanks for your question.

      Please see the FAQs section on our travel money page, under ‘how do I activate travel insurance on my card?’

      Cheers,
      Shirley

  16. Default Gravatar
    Ronald | June 5, 2014

    My wife and I will be traveling to Thailand for 10 days in August
    We leave on 15th. August and return on 25th. Aug.
    We have a Westpac account and hold both the Visa and Amex cards.
    Can you quote Travel Insurance for this trip ??

    • Staff
      Shirley | June 6, 2014

      Hi Ronald,

      Thanks for your question.

      To be eligible for the complimentary insurance attached to this card, “a cardholder becomes eligible for this Overseas travel insurance when, before leaving Australia on an overseas journey, they have a return overseas travel ticket, and A$500 of each of their prepaid travel costs (i.e. costs of their return overseas travel ticket; and/or airport/departure taxes; and/or their prepaid overseas accommodation/travel; and/or their other prepaid overseas itinerary items) have been charged to the cardholder’s eligible credit card account” as stated in the PDS of the product.

      Please note there are exclusions for people over the age of 80. If you would like a quote for alternative cover, please see this page.

      Cheers,
      Shirley

  17. Default Gravatar
    Ronnie | April 11, 2014

    Q1. I purchased my overseas airline ticket but it was a split purchase, l bought each trip at different times and using different Westpac credit cards, using my Gold card and the return ticket using Platinum card after upgrade. Am I covered by Zurich?

    Q2. I never have a heart attack but am taking blood pressure and cholesterol tablets for prevention, does that mean pre-existing illness?

    Q3. If I take up another travel insurance because it covers helicopter evacuation and other similar coverage, am l still covered by Zurich as well?

    • Staff
      Jacob | April 11, 2014

      Hi, Ronnie.

      Thanks for your questions.

      You can find an overview of the complimentary international insurance policy here. This page has information about policy activation requirements, levels of cover and how to make a claim.

      Q1. Was the Gold card upgraded to the Platinum card? If you upgraded your account in the time between when you purchases the departure and return tickets, then you will still be covered by insurance. Furthermore, you only need to charge at least $500 of your pre-paid travel expenses to your card to be covered by the policy. So assuming that your departure ticket was more than this, then you would be covered. If your departure and return tickets were less than this amount, and you’ve paid for the tickets on separate accounts, then you may not be covered. You may want to consider booking a couple of nights in a hotel, or something similar on one of the accounts you purchased the airfare with to bring your prepaid travel costs over the $500 mark.

      Q2 and Q3. You will need to check with the policy provider about this.

      I hope this helps.

      Have a good trip.

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    Steve | April 8, 2014

    We have purchased our airline tickets and most of our overseas accommodation using our platinum card. However some of our accommodation could not be prepaid. Are we still eligible for travel insurance on our card? Also my wife takes prescribed medication for high blood pressure. Is this covered?

    • Staff
      Jacob | April 8, 2014

      Hi, Steve.

      Thanks for getting in touch with us about your insurance questions.

      Have a look at our guide on Westpac credit card complimentary international travel insurance. You can find the activation requirements for the cover on this page.

      Best to check with the insurance provider for information about which pre-existing medical conditions are and are not covered. If your wife isn’t covered, you should be able to pay a premium to have her condition covered.

      I hope this helps.

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    janine | March 26, 2014

    I have bought an airfare and ship cruise with my American Express Platinum card. With this, will I be covered for complimentary travel insurance?

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    debbie | February 21, 2014

    I want to know do I have to have pay for my flights both ways on my Visa to be eligible for travel insurance? As I have only paid for my flight to return home, but have used my visa for over $500 dollars in travel expenses so far in preparation, and will be using visa for the balance of my accommodation while overseas.

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    Lyn | February 19, 2014

    I have purchased airfares using a Westpac platinum visa card plus points generated by the visa card. Our hotel accommodation was paid by visa only. Am I covered by travel insurance on both plane and hotel?
    Thank you

    • Staff
      Jacob | February 20, 2014

      Hi, Lyn.

      Please see this page for an answer to your question.

      I hope this helps.

    • Default Gravatar
      Chris | April 23, 2014

      Re Black Card Holiday Insurance and the $250 access. Is it possible to pay a premium and reduce the access to non.

    • Staff
      Shirley | April 24, 2014

      Hi Chris,

      Thanks for your question.

      This question is best directed to the Westpac customer service team as they will be able to give you a more informed answer. Unfortunately we can’t help from this point.

      Cheers,
      Shirley

  22. Default Gravatar
    Karso | February 17, 2014

    (1)do you insure people over 70 years old for overseas travel insurance ?
    (2)what is the additional charge for overseas travel insurance for pre-existing medical condition?

    • Staff
      Jacob | February 17, 2014

      Hi, Karso.

      Thanks for your question.

      Please see this page for detailed information about the policy. You can find information about age restrictions in the ‘Overseas Travel Insurance’ section.

      You will have to contact the policy provider for information about registering a pre-existing medical condition. Prices may vary depending on the condition.

      I hope this helps.

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    Brian | February 5, 2014

    I am using a black wespac card. If I use this to book my entire trip for both my wife and myself interstate train and flight for a period of 1 month am I covered for cancellation beyond our control?

    • Staff
      Marc | February 5, 2014

      Hi Brian,
      thanks for the question.

      To activate this policy you need to use this credit card to pay for $500 of more of the prepaid travel costs associated with your overseas trip, such as the airfare and accommodation.

      This insurance policy covers “unexpected cancellation of travel arrangements and other unexpected expenses”. This covers things such as natural disasters, quarantine and much more. I’ve emailed you the policy document for more information.

      I hope this helps,
      Marc.

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    Fran | February 5, 2014

    We are going on a cruise and have paid for it with our Platinum AMEX. We also paid for our drinks package and gratuities with this card. Are we covered for travel insurance?

    • Staff
      Marc | February 6, 2014

      Hi Fran,
      thanks for the question.

      To activate this insurance policy you must use the card to pay for at least $500 of your prepaid travel costs e.g costs of your return overseas travel ticket, departure taxes, overseas accommodation etc for an overseas journey. If you’d like to confirm whether or not you’re covered by this policy you may wish to contact Zurich, who provides this insurance on Westpac’s behalf.

      I hope this helps,
      Marc.

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    Beverley | February 3, 2014

    Will you guarantee cover if I have to return home due to family illness as the site says you MAY be covered.

    • Staff
      Marc | February 4, 2014

      Hello Beverley,
      thanks for the question.

      Unfortunately we don’t offer any of these products on Westpac’s behalf so can’t offer a guarantee. It’s best to read the policy document to learn exactly how this part of the policy works. For more information you can also contact Zurich to find out more, as they offer this insurance on Westpac’s behalf.

      I hope this helps,
      Marc.

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    Julie | February 3, 2014

    I have a Altitude Black credit card I would like to know if I have free complimentary Domestic Travel Insurance.

    • Staff
      Shirley | February 3, 2014

      Hi Julie,

      Thanks for your comment.

      According to the terms and conditions, “Cardholders, become eligible for this Overseas travel insurance when, before leaving Australia on an overseas journey, they have a return overseas travel ticket, and A$500 of their prepaid travel costs (i.e. costs of their return overseas travel ticket;
      and/or airport/departure taxes; and/or their prepaid overseas accommodation/travel; and/or their other prepaid overseas itinerary items) have been charged to the cardholder’s eligible credit card account.”

      Cheers,
      Shirley

  27. Default Gravatar
    Paul | January 29, 2014

    We are altitude platinum card holders and and travelling to bali for ten days. Is a CPAP machine valued at $1500 covered by travel insurance policy for personal belongings. Also would there be any coverage for excess damage on car rentals in Perth,WA

    Thanks paul

    • Staff
      Shirley | January 29, 2014

      Hi Paul,

      Thanks for your comment.

      You’ll need to contact Zurich Australia to enquire if your CPAP Machine is covered under ‘personal goods’.

      You’re covered up to AUS$5,000 for rental vehicle excess, but you’ll need to pay the first AUS$250 for each claim.

      I’ve also emailed you the Westpac Complimentary Travel Insurance booklet for your reference.

      Cheers,
      Shirley

  28. Default Gravatar
    Carol | January 23, 2014

    I have recently changed my credit card from an altitude platinum to an altitude black. Does this still give me travel insurance if I pay for my trip using my black mastercard?

    Carol

    • Staff
      Shirley | January 24, 2014

      Hi Carol,

      Thanks for your comment.

      You still get overseas travel insurance for up to 6 months with the Altitude Black if you meet the terms and conditions.

      Cheers,
      Shirley

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    BILKIS | January 23, 2014

    My husband purchased our Air ticket from CATHY PACIFIC Airline to travel to Sydney to Dhaka.We flew on 7th Dec- 13 and return to Sydney on 16th Jan-14.

    On my vacation time I was Hijacked in Bangladesh while I was in a Taxi. They took my bag where I lost my GUCCI reading glasses, one mobile phone, 10000.00 Bangladeshi Taka and my important medicine.

    Please help how I can claim my lost property.

    • Staff
      Marc | January 23, 2014

      Hello Bilkis,
      thanks for the comment.

      I’m sorry to hear about your experience. To make a claim with the Westpac Altitude Platinum Credit Card you’ll need to contact Zurich, who provides the insurance for these cards. I’ve emailed you their contact information.

      I hope this helps,
      Marc.

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    gerard | January 16, 2014

    hi, I am trying to find out how much and what I am covered for if I pay for my trip with my platinum card. can you tell me where to look for the details?thanks

  31. Default Gravatar
    chris | January 12, 2014

    If ill on a cruise in Asia, for example, are emergency flights back to an Australian city included in platinum travel insurance?

  32. Default Gravatar
    Karen | January 8, 2014

    A quick question to ask whether my husband + I would be covered by Westpac’s Altitude Black Travel Insurance whilst travelling on a cruise ship which although primarily is going north to the Whitsunday’s and Cairns, does travel into International Waters around Willis Island.

    • Staff
      Jacob | January 9, 2014

      Hi, Karen.

      Thanks for your question.

      The policy document gives certain locations which are main land Australian; however, for the purposes of the complimentary insurance policy, these destinations are considered overseas. The destinations you’ve mentioned in your questions are not included in this list of locations.

      You can find more information about this cover in on our policy overview page. It may be a good idea to contact the policy provider directly with your question.

      I hope this helps.

  33. Default Gravatar
    Paul | December 28, 2013

    I have just booked a flight to New Zealand using my Platinum visa card and will soon be booking a trip to Hawaii. What paperwork do I need to fill out to ensure that these are covered by the free travel insurance?

    • Staff
      Jacob | December 30, 2013

      Hi Paul.

      If you meet the eligibility requirements set out in the complimentary insurance policy document, the cover is automatic. You don’t need to fill out any additional documents in order to be covered by the insurance. You can read up about this insurance policy on this page.

      You should also have a look at the policy document for further information about the insurance policy. I have sent it to your email.

      I hope this helps.

  34. Default Gravatar
    Peter | December 12, 2013

    Purchased oversea trip in August 2013 on Westpac Altitude Platinum Visa card. Travel to be taken in May 2014. Since purchase, Westpac have offered upgrade to Altitude Black which I have accepted. What insurance conditions will apply, could you provide detail. Thanks

    • Staff
      Jacob | December 13, 2013

      Hi Peter.

      Black cards and Platinum A Cards (Westpac Altitude Platinum) have the same levels of cover under the Westpac complimentary international insurance policy. I have sent the policy document to your email. Please give it a read for information about levels of cover, exclusions, how to make a claim and so on.

      Cheers.

  35. Default Gravatar
    Karen | November 22, 2013

    Hi,

    Can you please forward a copy of the travel documents required for the complimentary travel insurance.

    Kind Regards,

    Karen.

    • Staff
      Jacob | November 22, 2013

      Hi Karen.

      Thanks for your question.

      I’ve sent the documents to your email.

      Jacob.

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    May | November 8, 2013

    I wish to know how much I have to pay with my credit card to obtain free travel insurance. The booklet says $500. The bank says full amount of trip. I also need a policy form to be completed and signed before a policy can be issued.

    Can you help me?
    Thank you.
    May

    • Staff
      Jacob | November 8, 2013

      Hi, May.

      Thanks for your question.

      Our understanding is that you have to pay for at least $500 of your pre-paid travel expenses (this includes things like your return international ticket and your accommodation) in order to be covered by the complimentary international travel insurance. You’re actually not provided with documentation to take overseas with you, but you are provided with a policy number in the event you need to make a claim. The policy number for Platinum B cards (Altitude Platinum) is: 78 WPACPLB CCI.

      I hope this helps.

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    Kay | October 23, 2013

    We have paid for our entire holiday with our Platinum credit card. My husband has a pre-existing medical condition (Parkinson’s Disease) but is O.K. to travel. He’s been covered by Zurich travel insurance before. We just need to pay an additional amount. How do we go about this? Last time I did it on line.

    Regards, Kay

    • Staff
      Shirley | October 24, 2013

      Hi Kay,

      Thanks for your comment.

      Please contact Zurich directly and they will advise accordingly, you can find their contact details on this page.

      Hope this helps,
      Shirley

  38. Default Gravatar
    Mary | October 15, 2013

    Hi, could you please send me a policy document as I will be leaving in January and have purchased my flight to my destination with my altitude black and will be returning via a cruise –

    Also my friend required an actual policy with number before he was allowed to be booked into a hospital in Japan (or had to give a $20,000 surety)
    so I presume I will have to take a policy with me on my trip.

    • Staff
      Jacob | October 16, 2013

      Hi Mary.

      I’ve sent the document to your email. Please give it a read before you head off. You may also need to contact Zurich to get your policy number.

      Thanks.

  39. Default Gravatar
    Jing | October 10, 2013

    I have paid my return ticket to China with my Altitude Platinum MasterCard. I have bought framed paintings using cash over in China and have brought them back with my luggage through Cathay pacific airlines. I came back yesterday morning and fond out that my frames has been damaged and glass has been broken. I have my tickets receipt and all photos for damaged frames. Am I able to claim insurance for the damaged goods?

    • Staff
      Jacob | October 10, 2013

      Hi Jing.

      Thanks for getting in touch with us.

      Please have a look at the policy document for information on how to make a claim. I’ve sent this document to your email.

      Please have a look at page 30 for information on the loss or damage to personal property benefit.

      I hope this helps.

  40. Default Gravatar
    Denis | September 4, 2013

    I have paid the deposit for my overseas holiday which includes airfares and a cruise using a platinum MasterCard and intend to pay the rest of the balance the same way when it’s due. I am 73 and my wife is 72. Are there any problems if we rely on the complimentary travel insurance?

    • Staff
      Jacob | September 4, 2013

      Hi Denis.

      Thanks for your question.

      I’m going to send you the policy document – read this before you depart.

      In a nutshell: The policy covers permanent Australian residents (and 457 Visa holders) up to the age of 80 who have a return overseas travel ticket and have paid for more than $500 worth of their prepaid travel expenses (airfares and cruise included) on their card. Once you meet these requirements the cover is automatic. You will need to take documents with you, so please read the policy document so you don’t get caught out.

      Jacob.

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    Michelle | August 3, 2013

    We have pre paid for a trip on our Westpac Altitude Platinum card. The trip is in one week’s time

    1) If a close relative is diagnosed with cancer before we go, are we covered for the cost of the trip if we cancel?

    2) If we do take the trip, are our items covered for accidental loss, e.g. if we leave a laptop behind and the resort is unable to find it? Previous advice was that we were only covered if the item was stolen.

    Thanks.

    • Staff
      Shirley | August 5, 2013

      Hi Michelle,

      Thanks for your comment.

      Please refer to this page for an indication.

      Hope this helps,
      Shirley

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    Pat | July 23, 2013

    What is the age limit of a relative if dies while you are away overseas? I.e mother in law, 97 with no medical problems.

    • Staff
      Jacob | July 23, 2013

      Hi Pat. Thanks for your question. This policy covers people up to 80 years of age. There is a benefit to cover the, ‘Resumption of journey following the death of a relative.’
      I have sent more information about this benefit to your email. I hope this helps. Jacob.

  43. Default Gravatar
    Bill | July 23, 2013

    my Wife and I are travelling to Italy for a month in September and have paid for most of our trip with the westpac altitude card over $6,000. Will we be covered for travel insurance and do we register somewhere?

    • Staff
      Jacob | July 23, 2013

      Hi Bill. Thanks for your question. No need to register, just make sure you read the policy document I’ve sent to your email. It outlines everything you need to know about the Westpac’s credit card complimentary insurance policy. Jacob.

  44. Default Gravatar
    David | July 18, 2013

    I currently hold a Westpac Mastercard Earth Platinum Credit Card. My wife & I are travelling to Phuket Thailand on 1 August 2013 for 15 days holiday. I Have prepaid my airfares & accommodation with my credit card. Who do I advise to obtain the free platinum insurance cover?

    • Staff
      Jacob | July 19, 2013

      Hi David. Thanks for your question. Once you meet the eligibility requirements set out in the policy document, you’re covered. I’ve sent the document to your email. Please give it a read before you depart. Jacob.

  45. Default Gravatar
    Gayle | July 2, 2013

    Hi. We are commencing a 5 week African Holiday (6 countries) at the end of August, we booked this trip through a travel agent and all payments made to the agent was with our Altitude Platinum Card. We initially paid our deposit back in February and then paid the balance in June, are we fully covered seeing as though part payment was made prior to the 6 months of commencement. Also we need to catch regional flights the day before departing for O/S are we also covered for this sector. I am actually quite concerned about utilising the complimentary insurance when going to a place like Africa (have taken advantage for closer to home destinations)especially as though we do not have a piece of paper to state we are insured and a policy number, should I be concerned?

    • Staff
      Jacob | July 2, 2013

      Hi Gayle. Thanks for your question. You have to pay for at least $500 of your prepaid travel expenses to be covered under this policy – prepaid expenses include things like accommodation and airfares. It shouldn’t matter when you made the payment as the policy is activated from the date of departure on your air ticket. As long as you can show the transactions on your credit card statement you should be fine.

      Interstate flight inconvenience insurance is included within this policy; however, the policy wording states that this benefit is only available when ‘the entire cost of the interstate flight fare (but not taxes or airport or travel agent’s charges) have been charged to the card holder’s eligible credit card account. So you may be covered, it will depend on how you paid for the flights, please check with the policy provider, Zurich, for further information.

      Please refer to the policy document for further information. This document has a list of ‘documents to take with you’, you’ll need to provide this information to Zurich in the event that you want to make a claim while you’re overseas. You can contact Zurich for further information about this policy, they may be able to provide a policy number for your reference.

      I hope this has helped. I’ve sent the policy document to your email for your consideration.

      Jacob.

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    Henry | July 2, 2013

    I have a Altitude Platinum Mastercard/Amex – Can I still be covered for overseas travel insurance even though I have not paid with the credit Card? I use my credit card on my trip.

    • Staff
      Jacob | July 2, 2013

      Hi Henry. Thanks for your question. You will need to prepay for your travel arrangements and costs using your Westpac Altitude Platinum card for these policies to apply. Please be sure to read the information on this page or the complimentary international travel insurance policy document before you pay for your flights. Jacob.

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    Barbara | June 29, 2013

    My husband and I are traveling to Europe part frequent flyers and return full fare. We intend to pay for the trip including accommodation and flights by visa. We are hiring a car in UK Are we covered by insurance? If we paid for car hire only by visa would we be covered for the excess?
    Thanks
    Barb

    • Staff
      Jacob | June 29, 2013

      Hi Barbara. Thanks for your question.

      To be covered by this policy, you’ll need put more than $500 of your prepaid travel costs on your Westpac Altitude Platinum Visa or American Express Card. Prepaid travel costs include things like flights and accommodation.

      This policy does provider rental vehicle excess cover. Currently, you will be reimbursed up to $5,500 if you have to pay an excess if you try to make a claim.

      I’ve sent the document to your email. Please have a read through the policy before you buy your tickets. I hope this helps. Jacob.

  48. Default Gravatar
    Tania | June 26, 2013

    Hi Mark, does the platinum visa/amex card offer unlimited medical expenses or is it capped?

    • Staff
      Jacob | June 26, 2013

      Hi Tania. Thanks for your question. The benefits provided under this policy are capped. You can find limits on page 30 of the policy document. I’ve sent it to your email. Jacob.

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    Robert | June 8, 2013

    I have a Altitude Platinum Visa and American Express Card so am I covered for ALL of the mentioned items for Overseas Travel including Car Rental Excess if I have paid for my trip via either of the above cards ?

    My main concern is that we don’t travel until the 6th August so as we have already paid for our trip would we still be covered for the 3 weeks from 6th Aug till the 27th Aug when we plan to be home again ?

    Thanks, Rob

    • Staff
      Jacob | June 8, 2013

      Hi Robert. Thanks for the question. Please check the policy document for information about cover – I’ve sent a copy to you.
      The insurance cover activation time is linked to when you book your flights. The policy document outlines that, you’re covered when you have a return overseas ticket and you’ve contributed at least $500 towards pre-paid travel expenses (return overseas ticket, accommodation, airport taxes and, ‘other prepaid overseas itinerary items’). Hope this helps. Jacob.

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    Liz | June 4, 2013

    Hi I am travelling to South America. Does this insurance cover me for South America?

    • Staff
      Jacob | June 4, 2013

      Hi Liz. Thanks for your question. You’re covered under this policy provided that you’re travelling on a return overseas trip and you pay for at least of $500 of your pre-paid travel expenses on your card. The cover is available for up to six months. I’ve sent the policy document to your email. You should familiarise yourself with this document prior to leaving on your trip. Jacob.

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    Terhi | June 1, 2013

    Hi. I have Westpac Visa Altitude Platinum card. I purchased tickets for my 18yo son to fly to Finland with my Visa. He will be travelling independently, though we spend some time together there. He will also travel to Russia, Lithuania and Estonia. Does he have travel insurance through my Visa card purchase? Thank you!

    • Staff
      Jacob | June 3, 2013

      Hi Tehri. Thanks for your question. In order for your son to be covered by the card’s travel insurance, he will need to be travelling with the primary cardholder for the entire length of the return journey. I’ve sent the policy document to your email if you would like to look at it further. Jacob.

  52. Default Gravatar
    Janice | May 31, 2013

    I paid for my overseas trip by my altitude platinum card on the 13/12/13. However, I have only recently found out from a Westpac employee that I am eligible for travel insurance. Am I still able to be covered and how and what do I need to do?

    • Staff
      Jacob | May 31, 2013

      Hi Janice. Thanks for your question. For some general information about travel insurance please watch this video. I have sent the policy document to your email. It outlines the specifics of the policy, contact numbers, activation requirements and excesses. Please read this document carefully before departing on your trip. Jacob.

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    Bill | May 30, 2013

    We purchased tickets to Bali using our Westpac Visa card, while in Bali I needed medical attention for ear infection and also medication which costed approx $100.00. Please advise if I can make a claim and in what format should I make the application?
    Thanks. Bill.

    • Staff
      Jacob | May 30, 2013

      Hi Bill. I’ve sent information to your email. Jacob.

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    David | May 26, 2013

    Who provides the travel insurance? Is there a policy number?

    • Staff
      Jacob | May 26, 2013

      Hi David. Thanks for your question. The policy is underwritten by Zurich. To get this information you’ll have to give them a call. I’ve sent information about the policy and contact numbers to your email. Jacob.

  55. Default Gravatar
    Laurence | May 22, 2013

    My husband was diagnosed with dengue fever on a trip to Bali. He had to stay in his room for 2 days with medical check ups and then was sent to hospital for 3 days.

    He purchased his ticket online with his altitude platinum card. How can he now be reimbursed for all his mescal expenses ?

    Many Thanks

    • Staff
      Jacob | May 22, 2013

      HI Laurence. Thanks for your question. Yes, this policy does provide cover for medical and hospital expenses incurred overseas. I have sent the policy document to your email if you would like further information on how to make a claim. Jacob.

  56. Default Gravatar
    Steve | May 17, 2013

    I am in the process of pre-paying for most aspects of a Tahiti holiday with my Westpac Platinum Card: Return air travel, yacht charter (by the cabin) and accommodation. This will come to a tidy sum! If my wife or I became ill before departure, and are unable to travel, would the complementary insurance refund all, or some, of the costs.

    • Staff
      Jacob | May 17, 2013

      Hi Steve. Thanks for your question. A benefit of the Westpac Credit Cards Complimentary Insurance Policy includes ‘unexpected cancellation of travel arrangements and other unexpected expenses’. I have sent further information to your email. Jacob.

  57. Default Gravatar
    sergio | April 24, 2013

    Are we automatically covered for travel insurance or do we need to notify Zurich about our travel details

    • Staff
      Jacob | April 24, 2013

      Hi Sergio. Thanks for your question. Provided you meet the conditions set out in the insurance policy document. The cover is automatic. This video answers some general questions about complimentary credit card international travel insurance. Jacob.

  58. Default Gravatar
    Paul | April 9, 2013

    I am applying for a russian visa, they want to know my travel insurer and my policy no, Zurich and do I use my credit card no as I do not have a separate travel insurance policy no as I am using my credit card. please advise

    • Staff
      Jacob | April 9, 2013

      Hi Paul. Please don’t provide your card details over open forums. Zurich can provide your policy number. Please contact them directly for further information. Jacob.

  59. Default Gravatar
    greg | April 3, 2013

    If we pay for rental car with our Westpac Platinum card are we automatically covered for accident insurance ?

    • Staff
      Jacob | April 3, 2013

      Hi Greg. You’re covered if you’re a passenger, not if you’re driving. I’ve sent the terms and conditions to your email if you require further information — see page 53. Jacob.

    • Default Gravatar
      Allan | April 26, 2013

      Hi – Using my platinum card, I have booked an overseas trip to UK with my wife in August 2013, so we are covered for travel insurance. If we hire a car using the card I know we are covered on vehicle excess up to $5,000, but what happens about personal accident insurance if we are both injured in an accident whilst we are both in the car.

    • Staff
      Jacob | April 26, 2013

      HI Allan. Thanks for the question. There is nothing in the policy that excludes part of the cover due to injury in rental vehicle while overseas. The transit accident insurance policy applies when you’re a passenger is a vehicle. I have sent the policy document to your email. Jacob.

  60. Default Gravatar
    John | April 3, 2013

    I am completing an application for travel visa to Russia and must include Insurance details – including policy number.
    I am assuming you still use “Zurich Insurance” , but need to quote a number.
    Can you supply please.

    • Staff
      Jacob | April 3, 2013

      Hi John. I’ll send the details to your email. Thanks for your question.

  61. Default Gravatar
    Gavin | April 2, 2013

    I have booked and paid on platinum card to the UK, for a holiday in August 2013. Does the complimentary insurance; cover car rental excess in the event of an accident. The policy details seem unclear to me. Thanks.

    • Staff
      Marc | April 2, 2013

      Hello Gavin,
      thanks for the question.

      The complimentary travel insurance offered with this card offers up to $5,000 to cover car rental excess. This is provided certain conditions are met, such as the rental car coming with a standard comprehensive insurance cover and from a licensed rental agency. All laws must also be complied with while driving, and the requirements of the rental agreement must have been fully complied with.

      I hope this helps,
      Marc.

  62. Default Gravatar
    Brian | April 2, 2013

    Hi, Does the visa altitude Platinum card cover overseas travel insurance.
    We are traveling to Vietnam for 9 days and the Air fares both ways plus accommodation have been paid via our credit card.
    Regards

    Brian

    • Staff
      Jacob | April 2, 2013

      Hi Brian. Yes, this card does offer complimentary international travel insurance for cardholders provided that they meet the eligibility requirements outlined in the terms and conditions. It states that: ‘Cardholders, become eligible for this Overseas travel insurance when, before leaving Australia on an overseas journey, they have a return overseas travel ticket, and A$500 of their prepaid travel costs (i.e. costs of their return overseas travel ticket; and/or airport/departure taxes; and/or their prepaid overseas accommodation/travel; and/or their other prepaid overseas itinerary items) have been charged to the cardholder’s eligible credit card account.’
      Thanks.

  63. Default Gravatar
    Gina | March 18, 2013

    If a connecting flight is cancelled or affected by strikes and it causes you to miss the main return flight back from holiday, does the travel insurance cover for losses incurred?

    • Staff
      Jacob | March 19, 2013

      Hi Gina. Yes, there is cover for this under benefit 3 of the insurance policy: ‘Unexpected cancellation of travel arrangements and other unexpected expenses’. Please consult the terms and conditions for further information.

  64. Default Gravatar
    Gina | March 18, 2013

    My husband is the primary card holder of a platinum altitude visa card. I, as his wife have a card in my name as the secondary card holder. Am I covered for travel insurance if I travel without my husband?

    • Staff
      Jacob | March 19, 2013

      Hi Gina. Thanks for your question. Short answer, yes. There are a few conditions you will have to meet though. This video explains some of the finer points, but please read the terms and conditions before making any travel purchases. The terms and conditions can be found on the Zurich website.

  65. Default Gravatar
    Rahab | December 24, 2012

    I bought a return ticket to Singapore from Perth using my Platinum card and assumed this would be cover by the Insurance. In between my stay in Singapore I also bought a separate return ticket to Vietnam from
    Singapore using my Platinum card. Does my Vietnam trip cover by the insurance?

    • Staff
      Marc | February 27, 2013

      Hello Rahab, thanks for the question!

      As long as the complete journey is within the eligibility requirements set out in the insurance policy there’s no reason why this won’t be covered.

      I hope this helps,
      Marc.

  66. Default Gravatar
    Eirwyn | November 23, 2012

    Does the insurance also cover for payment of cruises?

    • Staff
      Marc | February 27, 2013

      Hello Eirwyn,
      thanks for the question!

      International cruises are still an international journey, and are therefore covered by this policy provided the other eligibility requirements are fulfilled.

      I hope this answers your question.
      Marc.

  67. Default Gravatar
    Yvonne | November 21, 2012

    My 19 years old son is going to travel for 2 month in Europe.
    I have purchased his ticket with my platinum altitude card and I would like to know if he is cover by travel insurance as a family member?

    • Staff
      Jacob | November 22, 2012

      Hi Yvonne. Dependent children must be travelling with the primary cardholder in order to be covered by the complimentary insurance. Thanks for your question.

    • Default Gravatar
      Frank | May 6, 2013

      Hi,

      I have my wife, two children 19 & 22 and their partners partners travelling with me to Singapore late June 2013. All fights and accomodation was purchased with my Westpac Altitude Platinum Card.
      Is everyone covered?

      Thanks

    • Staff
      Jacob | May 7, 2013

      Hi Frank. Your partner and your kids, yes, but there are a range of conditions you will have to meet. Best to check the policy document – I’ve sent a copy of it to your email.

  68. Default Gravatar
    Paul | April 30, 2012

    I recently returned from overseas.
    On collecting my luggage at Bangkok airport, my suitcase had split/damaged during transit.
    I had to purchase a new case.
    I am covered with your travel insurance.
    How do I put in a claim for the replacement?
    Can it be done on line?
    Thank you.

    • Staff
      Jeremy | May 18, 2012

      Hi,

      Thanks for the question. Whether or not you are covered depends on the circumstances of your travel. For a list of the terms and conditions of the complimentary insurance, please look here – Cheers.

      Jeremy

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