Overseas travel insurance changes

We’ve made some changes to the complimentary overseas travel insurance that comes with some credit cards.

What's changed?

You no longer need to meet the minimum spend criteria or book a return ticket to Australia to be eligible for complimentary overseas travel insurance through Cover-More. You just need to have an open, eligible card when you're travelling.

We’ve also changed the included cover – you’re covered for the basics, with the option to upgrade for extra protection.

What am I covered for?

Check the new Credit Card Insurance Product Disclosure Statement and Information Booklet (PDF) for more info about benefits, limits, conditions and exclusions.

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

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Eligibility
Requirements Before 9 December 2019 From 9 December 2019
Have an eligible Bankwest credit card while you're travelling

Book a return ticket to Australia (before you leave)

Spend at least $500 on prepaid travel costs for each person, using your Bankwest credit card 

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What's covered?
Cover Before 9 December 2019 From 9 December 2019
Length of cover 12 months (World Mastercard™), 6 months (Platinum Mastercard®) or 3 months (Gold Mastercard) 6 months (World Mastercard) or 31 days (Gold and Platinum Mastercard)
Overseas emergency medical assistance

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

Baggage and personal goods

Personal liability

Accidental death

Cancellation costs

World Mastercard only
Additional expenses

World Mastercard only
Special event

Upgrade only
Rental vehicle insurance excess

Upgrade only
Domestic pets boarding

Upgrade only
Travel services provider insolvency

Upgrade only
Resumption of journey

Upgrade only
Loss of income

Upgrade only
Alternative transport expenses

Upgrade only
Travel documents, cards, travellers cheques and cash

Upgrade only
Extended cover

Upgrade only
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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.

Other important changes

  • Abseiling, bungy jumping, white water rafting (if Level 3 or Class III or below), parasailing and hot air ballooning have been removed from the list of general exclusions. Paragliding has been added
  • Claims for accidental damage, theft or permanent loss on cameras, video cameras, computers and mobile or smart phones will now be limited to $3,500 for any one item, or set or pair of items (including accessories). All items claimed under ‘baggage and personal items’ will be limited to $2,000
  • You can claim up to $15,000 per cardholder ($20,000 per family) in cancellation costs.

Which cover applies to me?

Travelling from 9 December 2019

If you met the eligibility criteria before the change, you'll get the previous cover. If not, you'll get the new cover.

Making a claim from 9 December 2019

If you met the eligibility criteria before the change, your claims will be made under the previous cover. If not, they'll be made under the new cover.

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

Get cover for cancellation (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.

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.

Check your cover through our app

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

Go to the ‘Cards’ tab on your eligible credit card, then ‘view insurance details’.
 

Making a claim

You still go to Cover-More's online portal

There's no change to the way you make claims, but to make sure you know what you can claim for, see the new Credit Card Insurance Product Disclosure Statement and Information Booklet (PDF). Cover-More can help you with questions about your cover and the claims process.

Frequently asked questions

Info at your fingertips

1

Which cards are eligible for overseas travel insurance?

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

2

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.

3

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.

4

Have the other types of complimentary insurance changed?

No, there have been no changes to:

  • Transit Accident Insurance (for overseas travel)
  • Interstate Flight Insurance
  • Purchase Cover Insurance
  • Extended Warranty Insurance
  • Price Guarantee Insurance.

Not sure what these are? Take a look at the Credit Card Insurance Product Disclosure Statement and Information Booklet (PDF).

5

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.