Westpac Altitude Platinum Credit Card Offers Travel Insurance

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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.

Product NameWestpac Altitude Platinum Card
Rewards ProgramWestpac Altitude Rewards
Balance Transfer Rate0% p.a. for 20 months
Balance Transfer Revert Rate
The interest rate after the balance transfer ends.
Cash Advance Rate (21.24% p.a.)
Interest Rate on Purchases0% p.a. for 3 months (reverts to 20.24% p.a.)
Offer end date30 September 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. You will be charged interest either from the day you make a purchase or from the statement date, unless you pay the closing balance in full by the due date (or within the interest-free period) on your statement.
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
Complimentary Travel InsuranceYes
Complimentary Travel Insurance Cover3 months
Available to Temporary ResidentsYes
Joint ApplicationNo
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
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 3 months
  • 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
  • After promotional offer ends, interest rate reverts to 20.24% p.a.
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

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 overseas travel insurance policy is available for persons up to and including 80 years of age. 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. Dependent children under the age of two years as at the date of the journey commencing are eligible for this overseas travel insurance policy, provided that the dependent child is travelling with the cardholder for the entire journey.

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.

Unexpected cancellation of travel arrangements and other unexpected expenses arising from accidental death of a relation living overseas are limited to A$2,500 per person and up to a maximum of A$5,000 for a family.

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 contact the insurance provider for this credit card, who is QBE Insurance Group Limited.

If you’re overseas and need the following help, QBE 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.

 

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This page was last modified on 29 May 2015 at 16:53.

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228 Responses to Westpac Altitude Platinum Credit Card Offers Travel Insurance

  1. Default Gravatar
    Anne | June 6, 2015

    I paid for an overseas trip for my husband and me using my Westpac Altitude Platinum card. I have to use another insurance company because of a pre-existing medical condition. Is my husband (as an additional card holder, not the primary) able to still be covered even though I am not?

    • Staff
      sally.mcmullen@hiveempire.com | June 9, 2015

      Hi Anne,

      Thank you for your question.

      According to the Westpac Altitude Platinum Credit Card website cardholders are eligible for the complimentary insurance cover if, before leaving Australia on an overseas journey, have purchased a return overseas travel ticket and prepaid at least AUD$500 of their travel costs using the eligible card. The terms and conditions then go on to detail that if the cardholder is eligible, then their spouse and/or dependent children who are travelling with them are also covered by the travel insurance. Traditionally, under this clause you could assume that your husband would be eligible for the complimentary insurance cover.

      However, as explained in the Westpac Credit Cards Complimentary Insurance Policy, if a family is travelling together, only the primary cardholder can act as the ‘cardholder’ under the cover and the others can only claim as a spouse or dependent child/children. Therefore, it could be possible that your husband will also be considered ineligible if you are due to your pre-existing medical condition.

      As yours is a specific case, you may wish to contact Westpac Altitude Platinum Credit Card customer service team to confirm whether your husband is eligible for the cover. I have emailed their phone number directly to you.

      I hope this has provided you with some assistance.

      Thanks,

      Sally

  2. Default Gravatar
    Debbie | May 21, 2015

    If I have already paid for my overseas tickets using My Westpac altitude card, and have not yet upgraded to Platinum, can I still upgrade to the new platinum and receive complimentary travel insurance for the overseas trip commencing 10th July, 2015? Is there a waiting period?

    • Staff
      Jonathan | May 25, 2015

      Hi Debbie, thanks for your inquiry!

      To be covered by this complimentary insurance policy primary cardholders and their spouse and/or dependent children can be eligible for this cover if you each have a return overseas travel ticket and A$500 of your prepaid travel costs are paid by the eligible Westpac Altitude Platinum Card. There is no waiting period for this cover as the policy activates upon leaving the country.

      Cheers,

      Jonathan

  3. Default Gravatar
    Robert | May 11, 2015

    Is my 23 year old, full time student son covered by the policy?

    • Staff
      Jonathan | May 11, 2015

      Hi Robert, thanks for your inquiry!

      Children from the age of 19 to and including the age of 25 are covered if they 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. To be covered by this policy the cardholder’s spouse/ dependent children need to have a return overseas travel ticket and A$500 of each of their prepaid travel costs charged to the cardholder’s eligible credit card account.

      Cheers,

      Jonathan

  4. Default Gravatar
    Peter | April 19, 2015

    Hi I have a westpac altitude platinum C/C (Mastercard)
    I believe that if I hire a rent a car in Australia and pay for it using that card I am covered for the extra excess that comes with the rental.Can you confirm this please. Thanks Peter

    • Staff
      Jonathan | April 20, 2015

      Hi Peter, thanks for your inquiry!

      That is correct, 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 depending on whether you meet the policy’s terms and conditions. The maximum amount you can claim for under this policy is $5,500. Please refer to the PDF I have sent to your email for the full terms to ensure you are covered in this specific event.

      Cheers,

      Jonathan

  5. Default Gravatar
    Bill | April 17, 2015

    I am renting a car in Ireland. I purchased my airline tickets using my American Express/Visa Platinum Card. Is my vehicle insurance excess covered?

    • Staff
      Jonathan | April 20, 2015

      Hi Bill, thanks for your inquiry!

      This travel insurance policy includes vehicle rental insurance. The maximum amount you can claim for under this policy is limited to $5,000 as long as you meet the policy requirements. Please refer to the PDF I have sent to your email for the full terms on this policy to ensure you are covered.

      Cheers,

      Jonathan

  6. Default Gravatar
    | March 30, 2015

    I’m willing to pay for cover beyond the complimentary 3 months provided by my credit card. Is it possible?

    • Staff
      Jonathan | March 30, 2015

      Hi Marta, thanks for your inquiry!

      Unfortunately the travel insurance policy is only available for 3 months unless you return home and leave the country again. Please see the following link for more travel insurance options.

      Cheers,

      Jonathan

  7. Default Gravatar
    Corelle | March 29, 2015

    We are going to Norfolk Island 13/4/15 we paid deposit with Westpac Visa and final payment with our upgraded Platinum Visa card will we be covered for travel insurance for this trip.

    • Staff
      Jonathan | March 30, 2015

      Hi Corelle, thanks for your inquiry!

      Travel to Norfolk Island from Australia is considered overseas travel. As long as you have paid A$500 of your prepaid travel costs on your card you will be eligible for this travel insurance cover.

      Cheers,

      Jonathan

  8. Default Gravatar
    marta | March 24, 2015

    My husband and I are going to Europe for 4.5 months. We’ve paid for our tickets with my platinum B credit card. How can I extend the complimentary insurance beyond the 3 months?
    Thanks

    • Staff
      Elizabeth | March 25, 2015

      Hi Marta,

      Thanks for your question.

      Unfortunately as this is a complimentary policy there are only a few ways to extend cover, and these involve travel delays and the like. You can’t request to have your cover extended in order to have your entire trip covered as you’re only eligible for the three months. You might want to take a look at your other travel insurance options on this page.

      I hope this has helped.

      Thanks,

      Elizabeth

  9. Default Gravatar
    steve | March 17, 2015

    hi we are booking some flight to Athens from perth, using platinum altitude card. will this cover my son 18 and daughter?

    • Staff
      Jonathan | March 18, 2015

      Hi Steve, thanks for your inquiry!

      Primary cardholders and their spouse and dependent children can be eligible for this cover if you each have a return overseas travel ticket and A$500 of your prepaid travel costs are paid by the eligible Westpac Altitude Platinum Card.

      Cheers,

      Jonathan

  10. Default Gravatar
    Dianne | March 16, 2015

    I bought 3 tickets to Bali and paid on my Black Altitude American Express card. Does this mean all 3 people will be covered by the travel insurance?

    • Staff
      Jonathan | March 16, 2015

      Hi Dianne, thanks for your inquiry!

      To be eligible for this cover you need to have a return overseas travel ticket and A$500 of your prepaid travel costs paid by the eligible Westpac Altitude Platinum Card. Coverage for your spouse and any dependent children is also available if
      Your spouse and any dependent children who might be travelling with you throughout your trip are also eligible for this cover if they also have a return overseas travel ticket, and A$500 of each of their prepaid travel costs have been paid with an eligible Westpac Altitude Platinum Visa or American Express Card.

      Cheers,

      Jonathan

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