Westpac Earth Platinum Travel Insurance

Rates and Fees verified correct on February 28th, 2015

Find out more Westpac Earth Platinum Travel Insurance Offer

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.

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’ll:

  • Earn 1.000 Qantas Point per $1 spent on purchases when using your Westpac Earth Platinum Amex card
  • Earn 0.500 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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This page was last modified on 11 November 2014 at 17:14.

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20 Responses to Westpac Earth Platinum Travel Insurance

  1. 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.



  2. 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.



  3. 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!



  4. 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.



  5. 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

  6. Default Gravatar
    Charles | January 30, 2014

    I have a Westpac Earth Platinum Master Card and American Express -
    I’m travelling overseas for 10 days – am I covered for travel and medical insurance with these cards.
    Are there conditions.


    • Staff
      Shirley | January 30, 2014

      Hi Charles,

      Thanks for your comment.

      I’ve emailed you a pamphlet with all this information. The Westpac Travel Insurance covers people up to and including 80 years of age, and you’ll need to have spent $500 of their prepaid travel costs and your return overseas travel ticket.


  7. Default Gravatar
    Graham | September 16, 2013

    My question is I have purchased a cruise for my wife and myself using my Earth Platinum Amex Card are we completely covered with travel insurance, I have always purchased insurance previously. If we are covered then I will not need to take out other insurance. What I am looking for is clarification. I have tried to contact Zurich Insurance by phone to no avail even though they say to call.

    • Staff
      Jacob | September 17, 2013

      Hi Graham.

      Thanks for your question.

      Best to read the product disclosure statement, it has all the information you need. Check page 29 for eligibility requirements and page 21 for information on documents to take with you overseas.


  8. Default Gravatar
    Dawn | June 26, 2013

    How comprehensive in the travel cover? What pre existing conditions are covered and is there an excess on what is paid?

    • Staff
      Jacob | June 26, 2013

      Hi Dawn. Thanks for your question. I have sent the policy document to your email address. This will outline the included benefits, how to apply to cover a pre-existing medical condition and the size of the excess you must contribute towards a claim. If you have to apply to cover a pre-existing medical condition, and you will need to contribute towards the claim by paying an excess. Jacob.

  9. Default Gravatar
    Iain | June 3, 2013

    How do I apply for the complementary travel insurance

    • Staff
      Jacob | June 3, 2013

      Hi Lain. Thanks for your question. To be covered by the complimentary international travel insurance offered with this card, you will need to meet the cover activation requirements set out in the policy document – once you do this, the cover is automatic. I’ve sent it to your email for you to have a look at. Jacob.

  10. Default Gravatar
    Diane | March 29, 2012

    I have a westpac earth platinum card which i used to purchase overseas travel for myself and my husband. do i need to inform the insurance company of our travel details?
    thank you
    diane myers

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