Complimentary overseas travel insurance

If you have a Bankwest Gold, Platinum or World Mastercard™, you may get some complimentary benefits - like overseas travel insurance. See what's covered, where to make a claim and how to upgrade.

Are you eligible?

You, your spouse and dependent children may get complimentary cover – as long as you’re travelling overseas together and have an open and activated eligible credit card.

The best bit? There's no minimum spend - the cover applies automatically if you're eligible.

You’ll have the basic benefits, with the option to upgrade for extra protection. There are some limitations and exclusions - like if you’re 80 or over, or have pre-existing medical conditions. If you’re unsure, check the PDS.

Coronavirus (COVID-19)
Please note that this event is excluded from cover for all destinations. For more information please see here.

What are you covered for?

Your complimentary cover depends on the type of credit card you have. Limits apply.

Cover Gold and Platinum Mastercard® World Mastercard
Length of cover 31 days 6 months
Overseas emergency medical assistance

Overseas emergency medical/hospital expenses (if you’re under 80)

Baggage and personal goods

Personal liability

Accidental death

Cancellation costs Upgrade only

Additional expenses Upgrade only


Existing medical conditions and age limits

Some existing medical conditions (like diabetes or asthma) and pregnancies are automatically included in your complimentary insurance - as long as you meet the specified criteria for the conditions. Check the Product Disclosure Statement (PDS) to work out if you're covered.

If your condition isn't automatically included, or you don’t meet the criteria for cover, you can complete a health assessment online through Cover-More. If you're approved, you can then purchase additional cover.

If you’re 80 or over

Your complimentary overseas travel insurance doesn't include medical or health-related cover. If you like, you can call Cover-More directly to enquire about other travel insurance options.

Looking for extra protection?

You can buy comprehensive and extended cover options through the Cover-More upgrade portal. Access it through the Bankwest App, otherwise you can call Cover-More on 1300 468 340.

Comprehensive cover

Buy cover for cancellation (up to $15,000 if it’s just you or up to $20,000 if it’s your family too – this is already included if you have a World Mastercard), rearrangement and a range of other extras - like rental vehicle insurance excess cover and travel delay expenses. Limits apply.

Extended cover

If you have a Gold or 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.

Before you upgrade, make sure you check our Financial Services Guide (PDF).

Check your cover

See your complimentary cover and visit Cover-More to make a claim or upgrade – all from the Bankwest App.

Go to the ‘Cards’ screen from the bottom menu, choose on your eligible credit card then ‘View insurance details’.

24/7 emergency assistance

Before you call

It helps to have info about the incident, plus any reports, valuations and photos handy when you call Cover-More.

Phone numbers

Charges apply if you’re calling from a mobile or payphone. You can also call direct on +61 2 8907 5615.

Making a claim

Go to Cover-More’s online portal

To make sure you know what you can claim for, see the Credit Card Insurance Product Disclosure Statement and Information Booklet (PDF). Cover-More can help you with questions about your cover and the claims process.

  • The time, date and location of the incident
  • A copy of the statement for your eligible card
  • Your police report, receipts, valuations and photos relating to your claim
  • Your phone number (so they can call you back)
  • Details of other parties involved.

Frequently asked questions

Info at your fingertips


Which cards are eligible for overseas travel insurance?

Bankwest Gold, Platinum and World Mastercard credit cards are automatically eligible.


Who’s covered under my insurance?

If your spouse and dependent children are travelling overseas with you, they’re protected too.

You no longer need to meet the minimum spend ($500 per person on prepaid travel expenses) in order to make them eligible.


Do I need a return ticket booked before I leave Australia?

No, you can book it while you’re overseas. Just keep in mind that the insurance is for travelling, not living overseas.

If you make a claim that includes a ticket to get you home, and you didn’t book one before you left, the cost of the fare will be deducted from the claim.


Where can I find my policy number?

You can find your complimentary policy number, upgraded policy numbers and claim info by calling or emailing Cover-More. Otherwise, you can do it from the Cover-More self-service portal through the Bankwest App.


Are my children eligible for overseas travel insurance?

Eligible dependent children are only covered if they travel with you for the entire trip.

Here’s Cover-More’s definition of an eligible dependent child:

  • All unmarried children, up to and including 18 years of age, who the cardholder has sole custody of and who live with the cardholder
  • All unmarried children, up to and including 18 years of age, of whom the cardholder has shared custody
  • All unmarried children, from 19 years of age up to and including 21 years of age, who are full-time students attending an accredited institution of higher learning in Australia and who the cardholder has/had sole or shared custody, 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.

However, accompanied child/children never means an infant born on the journey.

For more info, call Cover-More on 1300 468 340.

Need more help?

For questions about your cover and the claims process, call Cover-More. For help with your card, we're here 24/7.

Insurance is provided by Zurich Australian Insurance Limited, ABN 13 000 296 640, AFS Licence Number 232507 through its agent Cover-More Insurance Services Pty Ltd ABN 95 003 114 145, AFSL 241713 (Cover-More) for Bankwest, a division of Commonwealth Bank of Australia (Bankwest).

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 Credit Card Insurances Product Disclosure Statement and Information booklet (PDF) 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.

World Mastercard Program terms and conditions apply. Visit for details about World Mastercard experiences. Mastercard and the circles design are registered trademarks, and tap & go is a trademark, of Mastercard International Incorporated.