Complimentary overseas travel insurance with your credit card
If you have an eligible Platinum or World Mastercard, you may get complimentary overseas travel insurance. See what’s covered, where to make a claim and how to upgrade your cover.
On this page
Check you’re eligible
You, your spouse or domestic partner and dependent children may get complimentary cover – as long as you’re travelling overseas together and have an open and activated eligible credit card. Some limitations and exclusions apply – like if you’re 80 or over or have pre-existing medical conditions.
For information about eligibility and cover, refer to the Complimentary Overseas Travel Insurance Product Disclosure Statement or check your eligibility in the Bankwest App. If you can’t see travel insurance details under your credit card, chat to us in the app.
Manage your travel insurance in the app
Manage your complimentary overseas travel insurance through the Overseas Travel Insurance Hub via the Bankwest App.
Log in to the app and go to the ‘Money’ tab, select ‘Cards’, choose your eligible card and open ‘Overseas travel insurance’.
Register your trip
Register your upcoming trip to:
- Get personalised policy documents emailed directly to you
- Purchase cover upgrades to suit your travel needs
- Access support before and during your trip
- Get a personalised trip ID for faster assistance if you need emergency support while travelling.
Make and manage a claim
Start a new claim and track progress through the Overseas Travel Insurance Hub.
To make a claim:
- Log in to the Bankwest App
- Open the Overseas Travel Insurance Hub
- Select ‘Start a new claim’
- Upload your supporting documents.
You can also track the status of an existing claim. For information about what’s covered and what you can claim for, refer to the Complimentary Overseas Travel Insurance Product Disclosure Statement.
What you’re covered for
| Cover | Platinum Mastercard* | World Mastercard |
|---|---|---|
| Length of cover | 31 days | 6 months |
| Overseas emergency medical expenses and assistance | Yes | Yes |
| Baggage and personal goods (loss/damage) | Yes | Yes |
| Baggage delay expenses | Yes | Yes |
| Personal liability | Yes | Yes |
| Cancellation costs | Upgrade only | Yes |
| Additional expenses | Upgrade only | Yes |
If you need extra protection
You can buy comprehensive and extended cover options through the Overseas Travel Insurance Hub. Access it through the Bankwest App. Premiums may apply.
Comprehensive cover
Buy cover for cancellations up to $15,000 if it’s just you or up to $20,000 for your family too. This is already included if you have a World Mastercard. You can also buy cover for a range of other extras like rental vehicle insurance excess cover and travel delay expenses. Limits apply.
Extended cover
If you have an eligible Platinum Mastercard, you can extend your cover by up to two months. If you have a World Mastercard, you can extend it by up to six months.
Emergency assistance
XCover Assist is available 24/7 if you need urgent medical assistance.
Register your trip before you travel for a personalised trip ID to help XCover Assist identify you quicker.
When you call XCover Assist, make sure to have your policy number ready, even if you haven’t registered your trip. You can find your policy number (ending in -INS) in your personalised Overseas Travel Insurance Hub on the Bankwest App.
You can contact them by using one of the local or toll-free numbers displayed in the Overseas Travel Insurance Hub. If you cannot access the Bankwest App, you can call and request Emergency Medical Assistance on +61 3 9088 0389. International call charges may apply.
Travel or upgraded cover before 1 October 2026
On 1 October 2026, Bankwest changed provider for complimentary overseas travel insurance.#
Provided you meet the relevant eligibility criteria, your travel will still be managed by Cover-More if you:
- departed before 1 October 2026
- purchased upgraded cover before 1 October 2026, even if you travel after 1 October 2026.
For more information on the eligibility and included covers, refer to the Product Disclosure Statement (PDF).
Make a claim via the Bankwest App or the Cover-More Claims Portal.
Emergency assistance (24/7): call +61 2 8907 5615.
Common questions
Breeze Platinum Mastercard, Qantas Platinum Mastercard, Qantas World Mastercard, More Platinum and More World Mastercard credit cards are automatically eligible.
Check if your card is eligible within the Bankwest App.
You can find information about your complimentary cover, policy details and claims through the Bankwest App.
Log in to the app and go to the ‘Money’ tab, select ‘Cards’, choose your eligible card and open ‘Overseas travel insurance’. Follow the prompts to get your policy details or make a claim.
Your credit card has a policy number linked to it, even if you haven’t registered a trip. It’s worth saving this somewhere handy before you travel, so you have it ready if you need to contact XCover Assist.
XCover
Cover is provided by Allied World Assurance Company Ltd (Australian Branch) (ABN 54 163 304 907, AFS Licence No. 548668), through its agent XCover.com, a trading name of Cover Genius Pty Ltd (ABN 43 159 983 598, AFS Licence No. 490058), for Bankwest, a division of Commonwealth Bank of Australia.
Complimentary overseas travel insurance provides base cover only. Limitations, exclusions (including for pre-existing medical conditions and persons aged 80 years or over) and eligibility criteria apply. You need to upgrade your overseas travel insurance in order to have a comprehensive or extended level of cover. Before acting on this information you should consider the appropriateness of the product with regard to your personal circumstances. See the Complimentary Overseas Travel Insurance Product Disclosure Statement, Complimentary Overseas Travel Insurance TMD and Financial Services Guide (PDF) for details.
Bankwest and its related bodies corporate do not issue or guarantee this insurance. It does not represent a deposit with or liability of either Bankwest or any of its related bodies corporate. We do not provide any advice on this insurance based on any consideration of your objectives, financial situation or needs. If you purchase an upgrade policy, we (Bankwest) receive a commission which is a percentage of your premium.
# Cover-More
The Contract of Insurance (Group Policy) between Commonwealth Bank of Australia (including its division, Bankwest) and Zurich Australian Insurance Limited ABN 13 000 296 640, AFS Licence No. 232507 through its agent Cover-More Insurance Services Pty Ltd ABN 95 003 114 145, AFSL 241713 (Cover-More) terminated on 1 October 2026. Insurance arranged on and after 1 October 2026 will not be issued under this Group Policy.
For insurance that was arranged before 1 October 2026, see the Credit Card Insurance Product Disclosure Statement and Information booklet (PDF) for limitations, exclusions and eligibility.