Westpac Earth Platinum Travel Insurance

Information verified correct on October 7th, 2015

Find out more Westpac Earth Platinum Travel Insurance Offer

Westpac no longer accept new applicants for the Westpac Earth Platinum Credit Card — it’s off the market. But if you are an existing Westpac Earth Platinum account holder, your account will continue to function as normal.

If you do any sort of travel around the world you will no doubt be fully aware of the importance of having some form of travel insurance. There are many policies to choose from and many different providers. Wouldn’t it be great if you could eliminate the need to search for suitable travel insurance every time you go away somewhere?

Well there is a way you can have great travel insurance cover, without having to do any searching or shopping around, and just for using your credit card. Westpac customers can get Westpac Earth Platinum travel insurance just by having their Platinum credit card. It is one of the many great freebies that comes with this very competitive card, and is in fact a very comprehensive cover as well.

Some of you may have experienced the horror of having something go wrong when you go on holiday, but believe me if you are not covered by insurance, it can be like being stuck in a horrible dream. If you lose your luggage, fall ill, or have some form of accident, without cover you are on your own.

Therefore making sure you have a good cover is essential. Not only is the Westpac Earth Platinum travel insurance free to you as a card holder, but it covers you for most eventualities and situations that may occur on you travels.

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Here are some of the things they will cover you for:

  • Medical and hospital expenses you may incur abroad, for example hospital care, nursing and even some dental treatment.
  • Loss or damage to personal property. They do not however cover you for anything that is taken for business purposes, so they really are talking about clothing, cameras, valuables and similar.
  • Cancellation expenses, so if for any reason something unexpected stops or delays your travel you may be able to claim.
  • Resumption of journey following the death of a family member. In other words if you are delayed or have to return home due to the death of a relative in Australia, you may be covered if you resume your journey.
  • Rental Vehicle Excess which will come in handy if you plan on hiring a car while away.
  • Funeral expenses, so that if you were to die, your funeral costs will be covered. This is as long as your death was not due to suicide or medical condition that was pre-existing.
  • Legal Liability which is very important whilst travelling in case of any accident caused by you that causes harm to another person or property.


Part of the other reason why the Westpac Earth Platinum card is useful for travelling is it’s ability to earn Qantas Points. With this card you will:

  • Earn 1.00 Qantas Point per $1 spent on purchases when using your Westpac Earth Platinum Amex card
  • Earn 0.50 Qantas Points per $1 spent on purchases when using your Westpac Earth Platinum MasterCard
  • Earn points twice – once with your Earth Platinum cards and once with the partner – when you shop at a wide range of Qantas Frequent Flyer program partners
  • Earn one extra Qantas Point per $1 spent on purchases on selected Qantas products and services

An important thing to note is that from 17 June 2013 points will be capped at 3,750 per statement cycle.

There are many other benefits to Westpac Earth Platinum travel insurance and rewards, and of course many terms and conditions that we very strongly advise to read and understand, so you are completely aware of what you are, and are not covered for.

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30 Responses to Westpac Earth Platinum Travel Insurance

  1. Default Gravatar
    Ed | September 17, 2015

    Paying for car hire exceeding $500 before leaving via card. Does this cover for car insurance costs in event of accident.?

    • Staff
      Jonathan | September 17, 2015

      Hi Ed, thanks for your inquiry!

      QBE will reimburse you up to A$5,500 for any insurance excess or deductible for rental vehicle claims, provided the following conditions are met:
      • the rental vehicle must be rented from a licensed rental
      agency; and
      • the hiring agreement must incorporate the rental vehicle
      insurance; and
      • you must comply with all the requirements of the rental
      organisation under the hiring agreement and of the rental
      vehicle insurance



  2. Default Gravatar
    clive | June 7, 2015

    Question on pre conditions of insurance on earth platinum card;
    We have purchased our tickets with the card and are wondering about when the 500 dollars has to be spent. Is this before you leave and are items like travel bags counted?

    Please send the link to conditions web pages.

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

      Hi Clive,

      Thank you for your question.

      The $500 refers to prepaid travel costs including the return overseas travel ticket; and/or airport/departure taxes; and/or their prepaid overseas accommodation/travel; and/or their other prepaid overseas itinerary items. Therefore, all of the payments need to be made before leaving Australia on the overseas trip.

      I have emailed you a link to the Westpac Credit Cards Complimentary Insurance Policy.

      I hope this has answered your question.



  3. Default Gravatar
    Bernard | May 8, 2015

    I am a 68 year old male
    I am travelling to India and have had one cardiac stent inserted in the last 12 months
    I am on medication for blood pressure and cholesterol
    Please advise extra cost for medical insurance

    • Staff
      Jonathan | May 8, 2015

      Hi Bernard, thanks for your inquiry!

      For pre-existing medical conditions and Westpac’s complimentary insurance policy, to ensure you are covered on your travels it is ideal to contact QBE Insurance Group Limited who is the underwriter for this insurance policy. Please refer to the contact details I have sent to your email.



  4. Default Gravatar
    Jean | March 28, 2015

    Re: cancellation. If I am no longer in a relationship with my partner, can I cancel prior to departure & receive all payments reimbursed, eg overseas airfares, cruise, hotels, Disneyland tickets etc.
    Thank you

    • Staff
      Jonathan | March 30, 2015

      Hi Jean, thanks for your inquiry.

      Unfortunately cancellations under this travel insurance policy only cover circumstances such as natural disasters, theft and pre-existing medical conditions that are out of your control.



  5. Default Gravatar
    Helen | March 18, 2015

    IS this travel Insurance we have with our Platinum Credit Card suitable for us to travel to Hawaii(wedding) then a week driving South Island New Zealand? We are both 63 years and in good health.
    I ask as the ONLY other time I’ve thought of using it was in Barcelona in 2009 and I rang the number many many times and got NO answer??? I had injured my ankle and had doctor’s letter but coldly get west pac or Insurance number to ANSWER their phone while stuck there?? Please advise. DO people buy ‘extra’ travel insurance as well as their Westpac credit card cover? Having paid Professional Package fee for nearly 30 years we feel we’ve well and truly PAID for this insurance – but were very disappointed when the assistance we so needed wasn’t available in Barcelona.

    • Staff
      Jonathan | March 19, 2015

      Hi Helen, thanks for your inquiry!

      Depending on the credit card’s travel insurance policy it would be best to evaluate whether the inclusions are sufficient for your travel needs. Certain activities or destinations may require different types of cover. Please see this page for other travel insurance options and comparison.



  6. Default Gravatar
    Bob | February 22, 2015

    Is travel to Norfolk Island included in your overseas travel insurance?

    • Staff
      Jonathan | February 23, 2015

      Hi Bob, thanks for your inquiry!

      Travel from Tasmania or from mainland Australia to Norfolk Island or Christmas Island will be considered as overseas travel.



  7. Default Gravatar
    Jeff | February 16, 2015

    I have an “Earth Platinum” Westpac Mastercard and American Express card. Can you advise me on terms regarding pre-existing illnesses relating to a heart attack that I suffered over a year ago. I had bypass surgery and have been well since.

    • Staff
      Jonathan | February 16, 2015

      Hi Jeff, thanks for your inquiry!

      Please refer to the email I have sent you containing the process and contact details regarding pre-existing medical conditions and their exemptions with Westpac.



  8. Default Gravatar
    Inta | February 1, 2015

    Is it only the card holder who is covered by the ravel insurance or is it all persons for whom air travel tickets are purchased using the card?

    • Staff
      Jonathan | February 2, 2015

      Hi Inta Devine,

      Thanks for your inquiry,

      As per 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.

      If a family is travelling together, only one person can claim the benefits payable to the cardholder. The others can only claim as a spouse or dependent child/children.
      In relation to the ‘Purchase security insurance policy’ this definition is also extended to include any Australian resident who, by way of a gift from the cardholder, receives any personal goods, purchased by the cardholder.
      “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;”

      I hope this helps!



  9. Default Gravatar
    Margaret | October 26, 2014

    Am I covered with complimentary insurance for hire car excess in Tasmania .I have booked airfare ,using my Westpac Platinum earth card ,and travelling with Virgin from Perth .With Thanks .

    • Staff
      Elizabeth | October 27, 2014

      Hi Margaret,

      Thanks for your question.

      According to the Westpac credit card travel insurance policy, the cover is available to Westpac Black card, Platinum Plus card and Platinum A cardholders, provided:
      - you’ve hired the card from a licensed rental agency
      - the hiring agreement incorporates the standard comprehensive motor insurance normally provided by the rental agency covering loss or damage to the rental vehicle, and;
      - you comply with all requirements of the rental organisation under the hiring agreement

      Hope this has helped.



  10. Default Gravatar
    dedbra | February 22, 2014

    Hi I have paid for airfares to bali for 2 people on my platinum credit card 1 is under my name and the other under a another name..re travel insurance does this just cover for myself or for the other person I have purchased for

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