Westpac Complimentary Credit Card Insurance and COVID-19 (Coronavirus) FAQ

Information for westpac eligible cardholders regarding covid-19.

Information on this page is correct as of  30 June 2022 .

Stay up to date on Travel Information for COVID-19 from the Department of Foreign Affairs and Trade (DFAT)  Smartraveller  website and  World Health Organisation  (WHO) and  Department of Home Affairs .

Always consult the smartraveller.gov.au website prior to any travel. In addition to visas, COVID-19 testing, and proof of vaccination requirements, many countries now have compulsory insurance and medical cover proof conditions. Check with the nearest embassy, consulate or immigration department of the destination you are entering. If you require additional documentation regarding the complimentary international travel insurance policy due to international entry requirements, please contact us on 1800 091 710.

From 30 June 2022, if during the period of your cover, you (and your spouse/dependents, if they’re eligible for cover) are positively diagnosed as suffering a sickness recognised as an epidemic or pandemic (such as COVID-19), cover may be available under the following sections:

  • 1.1 Overseas Emergency Assistance
  • 1.2 Overseas Emergency Medical
  • 1.4 Medical Evacuation & Repatriation
  • 2.1 Cancellation
  • 3.1 Additional Expenses

If your travel companion is positively diagnosed as suffering a sickness recognised as an epidemic or pandemic, such as COVID-19, which impacts your journey, cover may be available to you under the following sections: 

Note, you won’t be covered while travelling against advice or warnings issued by the Australian government and you did not take reasonable care to avoid contracting the sickness, for example by delaying travel to the country listed in a warning.

The above is a summary only, please refer to  Westpac Credit Cards Complimentary Insurance Policy Information Booklet   and  Westpac Business Credit Cards Complimentary Insurance Policy Information Booklet  for eligibility criteria, full terms, conditions, limits and exclusions.

A General Exclusion for epidemic/pandemic applies for all claims relating to any epidemic/pandemic outside of the select benefits in the applicable policy information booklet  Westpac Credit Cards Complimentary Insurance Policy Information Booklet   and  Westpac Business Credit Cards Complimentary Insurance Policy Information Booklet . Please note, terms, conditions, limits and exclusions apply.

To receive a formal outcome, Eligible Westpac Cardholders must submit a claim.

Eligible Westpac travellers who meet the eligibility criteria should be aware that other General Exclusions have the potential to apply.

What is a General Exclusion?

A General Exclusion is an exclusion which will be applied across all sections of an insurance policy, and applies regardless of when eligibility for cover was gained. Should a General Exclusion apply, this means that your complimentary credit card travel insurance excludes cover for the event, activities or circumstances (specified in the exclusion) that causes your claim.

To understand what is excluded from the Westpac Complimentary Insurance covers, please refer to Part D – Excesses & General Exclusions section and the section specific exclusions of the relevant Westpac Policy Information Booklet for which your eligible Westpac card is applicable under:  Westpac Credit Cards Complimentary Insurance Policy Information Booklet    and  Westpac Business Credit Cards Complimentary Insurance Policy Information Booklet .

Other exclusions may apply depending upon the circumstances of an individual claim. General Exclusions include but are not limited to:

  • by the Australian government (when a ‘Reconsider your need to travel’ or ‘Do not travel’ alert is in place), which can be found on  www.smartraveller.gov.au ; or
  • which was published in a reliable mass media source.
  • any interference with your travel plans by any government, government regulation or prohibition or intervention or official authority. For example, if  Smartraveller  has a warning, ‘Do not travel’ or ‘Reconsider your need to travel’ due to the risk of COVID-19 infection for a destination, and a cardholder chooses to ignore the warning and is infected with COVID-19, cover may be excluded. Or if a government closes its borders to inbound travellers due to COVID-19 and you are unable to enter and follow your planned travel across the closed border, cover may be excluded.

What if a Westpac Eligible Cardholder has booked travel and needs to cancel due to contracting COVID-19?

If you are unable to travel as a result of contracting COVID-19, Cancellation cover may be provided to eligible travellers, if you or your travel companion are positively diagnosed as suffering a sickness recognised as an epidemic or pandemic such as COVID-19, and cover is expressly included under the Cancellation section of the relevant Westpac Policy Information Booklet for which your eligible Westpac card is applicable under:  Westpac Credit Cards Complimentary Insurance Policy Information Booklet   and  Westpac Business Credit Cards Complimentary Insurance Policy Information Booklet . If you are unable to travel as a result of an Epidemic or Pandemic related event which does not include you or your travel companion being positively diagnosed as suffering a sickness recognised as an epidemic or pandemic, for example a border closure, there may be no provision to claim as a general exclusion for epidemic and pandemic applies. A General Exclusion for epidemic/pandemic applies for all claims relating to any epidemic/pandemic outside of the cancellation benefits in the applicable policy information booklet. Please note, terms, conditions, limits and exclusions apply.

You therefore need to consider your own personal circumstances. We are not able to provide you with a cover decision before submitting a claim. To receive a formal outcome, Westpac Eligible Cardholders must submit a claim.

You should also contact your travel agent or travel service provider (airline, cruise line or Tour Company, etc) as they may be able to support you in obtaining refunds, credits or travel re-scheduling.

Can Westpac Eligible Cardholders make a claim for consideration?

Every Westpac Eligible Cardholder can submit a claim and have their individual circumstances considered in accordance with the eligibility criteria which includes the terms, conditions, limits and exclusions that apply as set out in the  Westpac Credit Cards Complimentary Insurance Policy Information Booklet    and  Westpac Business Credit Cards Complimentary Insurance Policy Information Booklet .

If you would like to claim, we encourage you to claim online via  insurance.agaassistance.com.au/westpac

Call the Allianz Global Assistance Claims team

  • United States
  • United Kingdom

Westpac Altitude Rewards

Westpac's altitude rewards program gives you a way to earn points for your credit card spending, which can be redeemed for gift cards, travel, frequent flyer points and more..

Avatar

Reviewed by

In this guide

How to earn Westpac Altitude Rewards Points

What can you redeem with altitude rewards points, how much are westpac altitude rewards points worth, how to redeem altitude rewards points, pros and cons of westpac altitude rewards, compare westpac rewards credit cards, faqs about westpac altitude rewards.

With a Westpac Altitude Rewards credit card, you'll earn points per $1 on your everyday credit card spending and can get rewards including gift cards, cashback, retail items and point transfers to airline partners, including Velocity Frequent Flyer.

If you get a new Westpac Altitude Rewards credit card, you could also earn thousands of bonus points through an introductory offer. Altitude Rewards isn't the only credit card rewards program in Australia, so here we'll go through exactly how it works – including how to calculate the value of Altitude Rewards Points.

Just like most other credit card reward programs, you'll automatically earn points for your eligible spending with a Westpac Altitude Rewards card. The number of points depends on the Westpac Altitude Rewards card and the type of spending, so we've put the key details in a table.

Introductory bonus point offers

If you don't have a Westpac Altitude Rewards credit card right now, you could kick-start your rewards balance with an introductory bonus points offer. These deals usually give new cardholders thousands of bonus points for meeting a spend requirement. For example, 80,000 bonus points when you spend $4,000 in the first 3 months.

As with most rewards cards , the bonus point offers on Westpac Altitude Rewards cards are only available for a limited time, so check before you apply to see if there's a deal that you want.

What is eligible spending?

Most of your everyday spending is eligible to earn Altitude Rewards points, including supermarket shopping, petrol, dining out and entertainment. Transactions that are not considered eligible purchases include cash advances, BPAY payments, balance transfers and government charges (unless they're made with a Westpac Altitude Business Platinum Card).

Want to earn Qantas or Velocity Points with a Westpac credit card?

Westpac offers you a choice of earning Altitude Rewards points, Qantas Points and Velocity Points, with these frequent flyer card options:

  • Westpac Altitude Qantas Platinum
  • Westpac Altitude Qantas Black
  • Westpac Altitude Velocity Platinum
  • Westpac Altitude Velocity Black

When you apply, you just need to select your chosen rewards option and provide your frequent flyer details.

Rewards are how you get value from this program, and redemptions start from 4,200 points with the following key categories:

  • Cashback. You can redeem points for between $50 and $1,000 cashback on your Westpac Altitude Rewards credit card account.
  • Frequent flyer points. If you're saving up points for flight rewards, you can transfer a minimum of 3,000 Altitude Rewards to Velocity Frequent Flyer , Air New Zealand Airpoints , Singapore Airlines KrisFlyer and Cathay Pacific/Asia Miles. The amount of frequent flyer points you'll get through a transfer aren't publicly listed on the Altitude Rewards website, but you'll see them when you log in to make a redemption.
  • Gift cards. The Altitude Rewards program offers a range of physical or digital gift cards from leading brands including Bunnings, David Jones, JB Hi-Fi and Woolworths.
  • Merchandise. You can shop for products on the Altitude Rewards store, including coffee machines, new tech gear and wine.
  • Travel. Use your points to book flights, accommodation, car hire and more directly through the Altitude Rewards website.

Points-to-dollars calculator 💵

Estimated value.

But keep in mind that there's no fixed value for Altitude Rewards points because the dollar value is different between rewards. For example, here are some values available on the Westpac Altitude Rewards website when we checked in June 2023:

  • Redeeming Altitude Rewards points for cashback gives you a value of 0.35 cents per point
  • A Delonghi La Specialista Prestigio Coffee Machine (292,300 points) gives you a value of 0.34 cents per point
  • A Google Nest Hub (2nd generation) Smart Home Display (47,775 points) is worth 0.31 cents per point

The Altitude Rewards website doesn't publicly list the values of all rewards. But if you have a Westpac Altitude credit card, you can log in and then work out the value of your points by dividing the dollar value of a reward by the number of points needed to redeem it. You can also use Finder's guide to calculating the value of rewards points as a cheat sheet.

How to get the most value from Altitude Rewards

Always choose rewards that you want or need, so you can at least save some cash. If there's nothing you want, keep saving points until you have enough for a reward you do want.

If you're planning to travel in the future, keep point transfers in mind as frequent flyer programs typically offer the most value per point when they are redeemed for flights.

  • Log in to your account on the Westpac Altitude Rewards website.
  • Browse the range of rewards available or select your chosen reward.
  • Click the "Add to cart" or "Redeem now" button and follow the prompts to complete your redemption.
  • Earn points for your spending. If you regularly use a credit card and usually pay your account balance in full each month, reward points are an easy way to get something back for your spending.
  • Bonus points. Westpac Altitude Rewards credit cards may offer introductory bonus points that can boost your balance when you first get a card. Just remember you'll need to meet the offer's spending requirements.
  • Frequent flyer partners. Westpac Altitude Rewards lets you transfer points to partnered frequent flyer programs and also gives you a way to earn Qantas Points or Velocity Points directly (instead of Altitude points).
  • Flexibility of rewards. From travel to shopping and cashback, you can choose how and when you redeem your points, which can also help you get more value from them.
  • Frequent flyer transfer rates. If your goal is to earn more frequent flyer points, you might find you get a higher earn rate from a frequent flyer card.
  • Interest rates. Unless you repay your balance in full each month, the interest charges could outweigh the value of the rewards.
  • Annual fee. Westpac Altitude Rewards credit cards have annual fees ranging from $150 to $295, with higher annual fees for Qantas or Velocity options. If the value of the rewards and benefits is less than the annual fee, this type of card may not be worth it.
  • International transaction fees. Personal Westpac Altitude Rewards cards offer higher earn rates for transactions made overseas, but also charge a 3% international transaction fee that will add to the cost when you're travelling or shopping online with businesses based overseas.

We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision.

Learn how we maintain accuracy on our site.

Finder survey: Which rewards points do people collect?

If you want to learn more about this credit card rewards program, check out our answers to common questions. You can also use the comment box below to ask your own question.

What is the Westpac credit card contact number?

Westpac has different phone numbers depending on the reason for your call, which we've listed below:, westpac altitude rewards centre and altitude travel bookings numbers:.

  • Altitude cardholders: 1300 887 820
  • Altitude Platinum and Platinum Plus cardholders: 1300 859 100
  • Altitude Black cardholders: 1300 651 999

General account enquiries, lost or stolen cards issued by Westpac:

  • All cardholders: 1300 651 089
  • Overseas: +61 2 9155 7700

Cards issued by American Express:

  • American Express Westpac Altitude Black Card Members: 1300 012 705
  • American Express Westpac Altitude Platinum Card Members: 1300 012 702
  • Lost or stolen American Express cards: 1300 132 639 in Australia, when overseas call +612 9271 8664

How can I earn more Westpac Altitude Rewards Points?

If you're after more Altitude Points and rewards, here are 6 tips you can use to earn more:

  • Compare cards. Before applying, it's important to compare Westpac Altitude Rewards credit cards to find the card that is most suited to your budget and spending habits. This will also ensure that you don't end up overpaying for a card that has features you may not use.
  • Take advantage of bonus points offers. Depending on when you apply, a Westpac Altitude Rewards credit card may include an introductory bonus points offer for new customers. With a substantial bonus points giveaway, you can sometimes earn as much as a free flight simply for signing up and meeting spending requirements.
  • Request additional cardholders. Additional cardholders can double or triple your points-earning potential by increasing spending on your card account. But account expenditure would still be capped by your credit limit and you would still be responsible for managing all repayments.
  • Use your card for big-ticket items. Charging major purchases to your credit card allows you to earn more rewards points for your spending. But be careful to make punctual repayments in order to avoid paying high interest costs.
  • Pay for everyday expenses with your credit card. Where possible, pay for regular purchases using your credit card instead of a debit card or cash.
  • Check your earn rate for different spending categories. The Westpac Altitude Platinum Card and Westpac Altitude Black offer different earn rates based on the types of purchases you make. For example, the Westpac Altitude Black offers 6 points per $1 spent (up to $10,000 per month) on flights purchased in Australia directly with Qantas, Jetstar, Virgin Australia, Emirates and Singapore Airlines, then 1.25 points per $1 spent thereafter. Checking out the different spend categories means you can choose when you pay with your card to get the most value from it.

What's the difference between transferring my Westpac Altitude Points to Velocity or choosing to earn Velocity Points?

If you choose to earn Westpac Altitude Points, you'll need to manually transfer them to your Velocity Frequent Flyer account when you want to get Velocity Points. With this option, you can also use your Altitude Points for other rewards offered through the Altitude Rewards program.

If you enrol in Westpac Altitude Velocity, you'll earn Velocity Points per $1 on eligible spending with your Westpac Altitude credit card. Note that there is a $75 Velocity Rewards fee for this option, which is charged annually.

Can I use my Westpac Altitude Rewards points to upgrade a flight?

You can't directly use Altitude points for a flight upgrade. But you could transfer your points to one of the participating frequent flyer programs and then request the upgrade through that frequent flyer program.

Can I use Altitude Rewards points to book a flight for myself and my partner?

Yes. As long as you have enough Altitude points, or a combination of points and cash, you can select a number of passengers for your travel redemptions on the Altitude Rewards website.

Do signup bonus points count towards the points cap for a Westpac Altitude Rewards credit card?

No. Bonus points offered to new customers are excluded from the points cap. Note that you will have to meet the eligibility requirements for bonus points to be credited to your account (i.e. spending a certain amount of points in the first few months you have the card). Check the offer terms and conditions for specific information.

  • Westpac Altitude Rewards terms and conditions effective 17 April 2023
  • Altitude Rewards redemptions accessed 26 June 2023
  • De'Longhi La Specialista Prestigio RRP details ($999) accessed 26 June 2023
  • Google Nest Hub RRP details ($149) accessed 26 June 2023

westpac rewards travel insurance

Amy Bradney-George

Amy Bradney-George is the senior writer for credit cards at Finder, and editorial lead for Finder Green. She has over 14 years’ experience as a journalist, with a particular focus on personal finance, and has been featured in publications including ABC News, Money Magazine and The Sydney Morning Herald.

More guides on Finder

A no-frills card offering up to $350 back when you meet the spend requirement and a 13.74% p.a. interest rate on purchases.

A premium credit card offering up to 120,000 bonus Velocity Points, uncapped rewards points and complimentary insurance covers.

This platinum credit card offers 70,000 bonus Velocity points, uncapped points potential, a discounted first-year annual fee and complimentary insurance covers.

A no-frills card offering a 0% interest on balance transfers for the first 28 months and a 13.74% p.a. interest rate on purchases.

With bonus Qantas Points and a range of complimentary insurance covers, the Westpac Altitude Qantas Platinum is worth considering if you want more frequent flyer points.

The Westpac Altitude Qantas Black Card boasts bonus points, a competitive earn rate as well as travel perks and extra features.

This black rewards credit card is packed with perks including uncapped points per $1 spent, airport lounge passes, complimentary travel insurance and up to 150,000 bonus points offer.

The Westpac BusinessChoice Rewards Platinum offers Qantas Points on business spending, including ATO payments – here's how its other features add up.

This platinum rewards card comes with up to 120,000 bonus points offer and complimentary insurance for domestic and overseas travel. Is it worth it for you?

Ask an Expert

Click here to cancel reply.

You are about to post a question on finder.com.au:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com.au is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

2 Responses

Default Gravatar

what is the best way to use my altitude points

Avatar

While we’re not in a position to offer personalised advice, you can use this calculator to work out the value of your points and you can work out the best ways for you to use your points:

https://www.finder.com.au/how-to-use-points-currency-to-calculate-the-value-of-rewards-points

Hope this helps!

Whatsapp share

  • Current page link Copy Current page link Copied to clipboard

How likely would you be to recommend finder to a friend or colleague?

Our goal is to create the best possible product, and your thoughts, ideas and suggestions play a major role in helping us identify opportunities to improve.

Important information about this website

Advertiser disclosure.

finder.com.au is one of Australia's leading comparison websites. We are committed to our readers and stands by our editorial principles

We try to take an open and transparent approach and provide a broad-based comparison service. However, you should be aware that while we are an independently owned service, our comparison service does not include all providers or all products available in the market.

Some product issuers may provide products or offer services through multiple brands, associated companies or different labeling arrangements. This can make it difficult for consumers to compare alternatives or identify the companies behind the products. However, we aim to provide information to enable consumers to understand these issues.

How we make money

We make money by featuring products on our site. Compensation received from the providers featured on our site can influence which products we write about as well as where and how products appear on our page, but the order or placement of these products does not influence our assessment or opinions of them, nor is it an endorsement or recommendation for them.

Products marked as 'Top Pick', 'Promoted' or 'Advertisement' are prominently displayed either as a result of a commercial advertising arrangement or to highlight a particular product, provider or feature. Finder may receive remuneration from the Provider if you click on the related link, purchase or enquire about the product. Finder's decision to show a 'promoted' product is neither a recommendation that the product is appropriate for you nor an indication that the product is the best in its category. We encourage you to use the tools and information we provide to compare your options.

Where our site links to particular products or displays 'Go to site' buttons, we may receive a commission, referral fee or payment when you click on those buttons or apply for a product. You can learn more about how we make money .

Sorting and Ranking Products

When products are grouped in a table or list, the order in which they are initially sorted may be influenced by a range of factors including price, fees and discounts; commercial partnerships; product features; and brand popularity. We provide tools so you can sort and filter these lists to highlight features that matter to you.

General Advice Warning & Detailed Disclosure

Please note that the information published on our site should not be construed as personal advice and does not consider your personal needs and circumstances. While our site will provide you with factual information and general advice to help you make better decisions, it isn't a substitute for professional advice. You should consider whether the products or services featured on our site are appropriate for your needs. If you're unsure about anything, seek professional advice before you apply for any product or commit to any plan and read any disclosure documents (such as any Target Market Determination (TMD) and/or Product Disclosure Statement (PDS)) issued by the provider before making a decision.

Your relationship with the Provider

Providing or obtaining an estimated insurance quote through us does not guarantee you can get the insurance. Acceptance by insurance companies is based on things like occupation, health and lifestyle. By providing you with the ability to apply for a credit card or loan, we are not guaranteeing that your application will be approved. Your application for credit products is subject to the Provider's terms and conditions as well as their application and lending criteria.

Terms of Service and Privacy Policy

Please read our website terms of use and privacy policy for more information about our services and our approach to privacy.

Please remember to check junk and spam folders for your emailed reply.

Have you joined our free CC Inner Circle?

Delivered once a month to your inbox, you’ll get expert money tricks, rewards point hacks, perks and more!

Click to join the Inner Circle

Regards Pauline + the Creditcard crew

Hi, I’m a personal finance expert who loves to help you out! I’ll answer your question within a business day. Pinky swear.

We ask for your email so we can respond to you directly. We won’t share your personal data. For more information, see our privacy policy.

Love perks and rewards? Join our free CC Inner Circle for exclusive offers, points boosters & more. Unsubscribe anytime..

Credit Card Travel Insurance & COVID: January 2024 Update

Which travel insurance policies cover COVID-19-related changes to travel, especially if you test positive just before your trip? We’re getting asked that question every day. So, here’s an updated list of credit cards that include COVID-19 and pandemic-related coverage in its insurance policies.

January 2024 Update: Credit cards with included COVID-19 cover

These banks have released updates to include limited cover for pandemics and epidemics. Click to see the details of cover for each brand:

  • American Express
  • Latitude 28° Global Platinum Mastercard (limited time offer)

Bendigo Bank

Bank of melbourne, qantas money.

Until early this year, no credit card travel insurance covered events caused by COVID-19, meaning you had to cross your fingers and hope borders stayed open and you stayed well.

Now, most major credit card providers have jumped on the COVID-19 bandwagon, which is great to see since it gives a little more peace of mind around travelling. We’ve put together a rundown of each credit card and its coronavirus policy, but always check the card’s PDS since it can change quickly.

Interestingly, some providers like ANZ and St. George have changed their terms to include all pandemic/epidemic disruptions from now on. Let’s hope we don’t need that anytime soon.

Remember, terms, conditions and exclusions apply to travel insurance. Check the PDS for more information.

Love perks and rewards?

Join our free CC Inner Circle for monthly exclusive offers, points boosters, money hacks & more. Unsubscribe anytime. First Name

Email address: We won't spam you or share your personal data. Please see our privacy policy for info.

American Express 

Domestic return trips:.

  • you can change, curtail or cancel your return trip if you, your travel buddy or the person you were visiting test positive for coronavirus.
  • You aren’t covered if you need to cancel or reschedule because borders closed or travel advisory warnings are put in place.
  • If you become unwell with coronavirus while travelling, you can claim under Medical Emergency Expenses cover (not valid while a ‘do not travel’ warning is in place)

International return trips:

  • You can be covered if borders close or a travel advisory warning is issued for the country you’re visiting.
  • You won’t be covered if Australia issues a ‘do not travel’ warning.
  • You won’t be covered if the borders at your destination are already closed.

Amex credit cards with complimentary travel insurance including COVID-19 cover:

  • American Express Platinum Edge
  • American Express Platinum Charge Card
  • American Express Explorer
  • American Express Velocity Platinum
  • Qantas American Express Ultimate
  • Qantas American Express Premium

Claims related to pandemics/epidemics:

  • if you or any dependents covered by the travel insurance test positive to COVID-19, or any illness recognised as a pandemic/epidemic, you may be able to claim the Cancellation, Additional Expenses, Evacuation & Repatriation, and Overseas Emergency Assistance cover.
  • If you become ill with COVID-19, you may be able to claim Overseas Medical Emergency cover.
  • If your travel buddy becomes ill with COVID-19, cover is available under Cancellation and Additional Expenses.
  • There is no mention of coverage if you’re prevented from travelling by border closures or travel warnings.
  • You aren’t covered if you travel to a destination with a travel advice warning by the Australian government.

ANZ credit cards with complimentary travel insurance including COVID-19 cover:

  • ANZ Frequent Flyer Platinum
  • ANZ Frequent Flyer Black
  • ANZ Rewards Platinum
  • ANZ Rewards Travel Adventures Card
  • ANZ Rewards Black
  • ANZ Platinum Credit Card
  • If you or any dependents covered by the travel insurance test positive to COVID-19, or any illness recognised as a pandemic/epidemic, you may be able to claim the Overseas Emergency Assistance, Overseas Emergency Medical, Medical Evacuation & Repatriation, Cancellation, and Additional Expenses cover.
  • You aren’t covered if you don’t follow advice or warnings when travelling to a destination; for example, a ‘Reconsider your need to travel’ or ‘Do not travel’ alert from the Australian government, or published by a reliable media source.
  • NAB’s travel insurance policy specifically states there are no other pandemic or epidemic-related circumstances covered, which likely includes border closures or other travel restrictions.

NAB credit cards with complimentary travel insurance including COVID-19 cover:

  • NAB Low Fee Platinum
  • NAB Qantas Rewards Signature
  • NAB Rewards Signature
  • NAB Qantas Rewards Premium
  • NAB Rewards Platinum

Latitude 28° Global Platinum Mastercard 

Claims related to covid-19:.

  • Cover applies to you and your ‘family’, which includes you, your spouse and up to 3 eligible children
  • You can claim up to $700,000 per person in medical costs if you need treatment for COVID-19 during an overseas covered trip
  • You may be covered for travel and accommodation deposits if you contract COVID-19 on a covered trip and a doctor certifies you’re unfit to travel
  • If you have to quarantine just before departure because you’ve tested positive to COVID-19, you may be covered for administrative costs (but not any other additional costs related to your quarantine)
  • You’re not covered for any additional costs such as accommodation or flights because of borders closures or travel disruptions
  • If you or any dependents covered by the travel insurance test positive to COVID-19, or any illness recognised as a pandemic/epidemic, you may be able to claim the Cancellation, Additional Expenses, Evacuation & Repatriation, and Overseas Emergency Assistance cover.
  • If you become ill with COVID-19, you may be able to claim Overseas Emergency Medical cover.
  • You aren’t covered if you travel to a destination with a travel advice warning by the Australian government, even if you have an exemption or permission from the Australian government to travel

Bendigo Bank credit cards with complimentary travel insurance including pandemic cover:

  • Bendigo Platinum Rewards
  • Bendigo Bank Qantas Platinum

St. George 

  • If you or any dependents covered by the travel insurance test positive for COVID-19, or any illness recognised as a pandemic/epidemic, you may be able to claim the Overseas Emergency Assistance, Overseas Emergency Medical, Medical Evacuation & Repatriation, Cancellation, and Additional Expenses cover.
  • If you or your companion become so sick with COVID-19 that can’t continue travelling, you may be reimbursed for additional accommodation and travel expenses.

St. George credit cards with complimentary travel insurance including pandemic and epidemic cover:

  • St. George Amplify Platinum
  • St. George Amplify Platinum – Qantas
  • St. George Amplify Signature
  • St. George Amplify Signature – Qantas

Westpac 

Westpac credit cards with complimentary travel insurance including pandemic and epidemic cover:.

  • Westpac Altitude Black
  • Westpac Altitude Black – Qantas
  • Westpac Altitude Platinum Black
  • Westpac Altitude Platinum – Qantas
  • Westpac Business Choice Rewards Platinum Mastercard
  • Westpac Altitude Business Platinum
  • Westpac Altitude Business Gold Mastercard
  • If your travel buddy becomes ill with COVID-19, cover may be available under Cancellation and Additional Expenses.
  • If you or your companion become so sick with COVID-19 that you can’t continue travelling, you may be reimbursed for additional accommodation and travel expenses.

Bank of Melbourne credit cards with complimentary travel insurance including pandemic and epidemic cover:

  • Bank of Melbourne Amplify Platinum
  • Bank of Melbourne Amplify Platinum – Qantas
  • Bank of Melbourne Amplify Signature
  • Bank of Melbourne Amplify Signature – Qantas
  • Bank of Melbourne Amplify Business

BankSA credit cards with complimentary travel insurance including pandemic and epidemic cover:

  • BankSA Amplify Platinum
  • BankSA Amplify Platinum – Qantas
  • BankSA Amplify Signature
  • BankSA Amplify Signature – Qantas

Claims related to pandemic/epidemic cover:

  • If you test positive for Covid-19 you may be able to access Overseas Medical Emergency and Hospital Expenses cover.
  • You aren’t covered if you don’t take appropriate action to avoid countries with a ‘do not travel’ warning advised by the Australian government or mass media.
  • You will not be covered for flight cancellations, accommodation or any other travel expenses.
  • You will not be covered for anything Covid-related on a cruise.

Bankwest credit cards with complimentary travel insurance including COVID-19 cover:

  • Bankwest Breeze Platinum Credit Card
  • Bankwest Zero Platinum Credit Card
  • Bankwest More World Mastercard
  • Bankwest Qantas Gold Credit Card
  • Bankwest Qantas Platinum Credit Card
  • Bankwest More Platinum Credit Card
  • If you test positive for COVID-19, or any illness recognised as a pandemic/epidemic, you may be able to claim the Overseas Emergency Assistance, Overseas Emergency Medical, Medical Evacuation & Repatriation, Cancellation, and Additional Expenses cover.
  • You aren’t covered if borders close during your trip.

HSBC credit cards with complimentary travel insurance including COVID-19 cover:

  • HSBC Platinum Card – 0% Balance Transfer Offer
  • HSBC Premier Credit Card
  • HSBC Platinum Qantas Credit Card
  • HSBC Credit Card
  • You aren’t covered if you don’t take appropriate action to avoid countries with a ‘do not travel’ warning advised by the Smart Traveller website (excluding Australia and New Zealand).
  • You may be covered for costs incurred from having to cancel, curtail or change your trip because you or your travel buddy contract COVID-19.
  • You may be covered for overseas medical emergency expenses on your overseas return trip and transportation of remains if you die from COVID-19 while travelling (it must be confirmed and diagnosed on your trip).
  • Besides Trip Cancellation and Amendment Cover and Overseas Medical Emergency Expenses cover, you won’t be covered for anything else caused by COVID-19 or any of its variants.
  • You may be covered for overseas medical emergency expenses on your overseas return trip and transportation of remains if you die from COVID-19 while travelling (it must be confirmed or diagnosed on your trip).

Other credit cards with complimentary travel insurance

Almost all banks and insurance companies have updated their insurance terms to include COVID-19 since 2020. You can find and compare credit cards with free travel insurance here , but always check the terms and conditions to see what you’re covered for.

Tips for using complimentary travel insurance

First, always read the PDS carefully. I know, it’s like a broken record, but insurances come with a lot of ‘but’s and ‘only if’s that could leave you high and dry – and out of pocket – if things go awry. Clauses regarding COVID-19 are still new, so make sure you understand what you’re covered for.

Second, make sure you activate your credit card’s travel insurance. You’ll usually be able to check that it’s active via the card’s website or by calling customer service.

💡 TIP: Accommodations, airlines and tour operators may have their own COVID-19 policies that are worth checking before you book, too. 

Pauline Hatch

Pauline is a personal finance expert at CreditCard.com.au, with 8 years in money, budgeting and property reporting under her belt. Pauline is passionate about seeing Aussies win by making their money – and their credit cards – work smarter, harder and bigger.

You might be interested in

Best reward credit card deals for january 2024, top frequent flyer credit card deals for january 2024 – up to 130,000 bonus points, tips & guides, perfect match: find out your personal money style and your matching credit card, recently asked questions.

Something you need to know about this card? Ask our credit card expert a question.

38 comments (showing the latest 10 Q&As)

Keith dixon, nicholas hairs, keith graham, aleksandra trpchevska, [email protected], paul kruger, sibel reiter, featured balance transfer credit cards.

Purchase Rate  

Balance Transfer  

Your savings • The annual fee is charged in the first month. • You only pay the minimum monthly payment of your overall balance each month. • You do not spend or withdraw cash on the card until the balance transfer period ends or is paid in full. • All other fees and charges that may apply are excluded. When there is no interest savings or a negative interest saving after the introductory period, the calculator will display $0.">

NAB Low Rate Credit Card – Balance Transfer Offer

0% on balance transfers for 28 months.

2% BT fee applies; reverts to 21.74% p.a. Enjoy $0 annual fee for the first year ($59 thereafter) plus, low variable purchase rate of 12.49%. New members only.

Low variable purchase rate of 12.49% p.a. No annual fee for the first year and get a free additional cardholder.

Purchase rate

Balance transfer.

Go to offer

save card more info

Featured Rewards Credit Cards

$1 earn rate  

Bonus Points

Points earning • 30 days is indicative of 1 month • Point caps are reset every statement period, which we have also assumed to be 1 month • There is a fixed monthly spend for 365 day. • Your monthly spend is multiplied by the earn rate for that 12 months. • You’ll be getting the highest earn rate for spending (if the card has tiered earn rates). • Points capping is factored in, if applicable, as is any sign-up bonus. Bear in mind though, terms and conditions always apply to points earning and sign-up bonus points.">

Qantas Premier Platinum Credit Card

Limited time super-sized Qantas Points

Earn 60k when you spend $3,000 within the first 3 months, plus 20k when you haven’t earned Qantas Points with a credit card in the last 12 months. 0% p.a. on balance transfers for 12 months. Save 20% on flights for you and 8 friends. Complimentary travel insurance.

Up to 80,000 bonus Qantas Points

Earn 60,000 when you spend $3,000 within the first 3 months, plus 20,000 when you haven’t earned Qantas Points with a credit card in the last 12 months. 0% p.a. on balance transfers for 12 months. Discounted annual fee for the first year.

Earn rate per $1

Bonus points, qantas american express ultimate credit card, 100,000 bonus qantas points.

Spend $3,000 within the first 3 months. $450 Qantas Travel Credit to use on eligible domestic or international Qantas flights each year. Two complimentary The Centurion® Lounge entries each year plus travel insurance covers. T&Cs apply.

When you spend $3,000 within the first 3 months. $450 Annual Qantas Travel Credit. Two complimentary The Centurion® Lounge entries each year plus travel insurance covers. Add 4 additional cardholders for free.

• The annual fee is charged in the first month. • You only pay the minimum monthly payment of your overall balance each month. • You do not spend or withdraw cash on the card until the balance transfer period ends or is paid in full. • All other fees and charges that may apply are excluded. When there is no interest savings or a negative interest saving after the introductory period, the calculator will display $0.'> Filter your savings

Adjust the filters to see how much you could save with a balance transfer to a new credit card

My transfer amount $5000

My interest rate 19.49%, my annual fee $50.

  • Recalculate

Make sure you can get approved for the Loading...

  • Have your personal details ready to complete the online application
  • Proceed to application Proceed to application
  • I’m not eligible

Make sure you can get approved for the Westpac Low Rate Credit Card

  • If you are not redirected click here to continue
  • Copyright 2005-2021 CreditCard.com.au Pty Ltd
  • ABN: 76 646 638 146
  • ACR: 528318
  • AFCA: 80717

Select the reward programs you like

Select the features you like

Adjust the filters to see how much points you could earn over 12 months

My monthly card spend $5000

Rewards program

Benefits i like

  • All reward programs
  • Airport lounge access
  • Balance transfers
  • Bonus points offer
  • No annual fee
  • No foreign transaction fee
  • Overseas travel insuarance
  • Uncapped points earn

Thank you for taking the time to provide feedback.

Our credit card experts will review your feedback and take action within 1 business day to address or respond to the issue.

Regards Pauline Hatch Personal Finance Expert

By submitting this feedback you agree to our privacy policy.

Thank you for taking the time to let us know that your credit card is not listed on our site.

Our credit card experts will review your listing and ensure that the card is present on the site over the coming weeks.

By submitting this form you agree to our privacy policy.

Velocity Frequent Flyer logo

Turn your everyday into somewhere extraordinary

  • Credit Cards
  • Transfer Points to Velocity

Westpac Velocity Points earning Cards

You can earn Velocity Points with a Westpac Velocity Points earning Card or by transferring your existing Westpac Altitude points straight into your Velocity account. 

Image of Westpac Altitude Black Credit Card with Velocity Points

Westpac Altitude Black Credit Card with Velocity Points

Up to 120,000 bonus Velocity Points 1

westpac rewards travel insurance

Earn up to 0.75 Velocity Points per $1 spent on eligible purchases 5 , uncapped 2

Two complimentary single-entry Virgin Australia domestic lounge passes each year 6

Two complimentary Economy X Seat Upgrade vouchers each year (eligible for domestic flights only) 9

All this and more for an annual card fee of $295, plus an annual Altitude Velocity Rewards fee of $75 4

Apply and be approved by 30 April 2024

Image of Westpac Altitude Platinum Credit Card with Velocity Points card

Westpac Altitude Platinum Credit Card with Velocity Points

70,000 bonus Velocity Points 1

Earn up to 0.5 Velocity Points per $1 spent on eligible purchases 5 , uncapped 2 .

Two complimentary Economy X Seat Upgrade vouchers each year (eligible for domestic flights only) 7

Complimentary insurances for interstate and international travel, extended warranty and purchase protection for up to 4 months (terms, conditions, exclusions and eligibility criteria apply) 6

$99 reduced first year annual fee ($175 thereafter) 4  plus a $75 annual Velocity Rewards Fee 8

Apply by 30 April 2024

Maximise the Rewards on your card

If you already have a Westpac Velocity Points earning Card, here are some great ways you can maximise your rewards.

""

My Benefits

Enjoy exclusive benefits on the Mastercard such as Economy X Seat Upgrades, Velocity Lounge Passes (only on Altitude Black Mastercard), and more.

""

Did you know that if you use your eligible Altitude Card with any of the Velocity partners, you’ll earn Points twice? With the partner and with your Card.

""

More Rewards

Westpac’s most rewarding card, offering a range of premium services including Priority Service Line, Concierge, exclusive offers and experiences.

Transferring your Westpac Altitude Points to Velocity

You can convert Altitude Points earned on your eligible Westpac credit cards to Velocity Points by transferring from your Westpac account 12 For more information, login to Altitude Rewards via the Westpac App or Online Banking.

If your Velocity membership number is not already registered with Westpac, you can do this online in your account, or by calling  1300 887 820

Terms & Conditions

Eligible Cards

If your card is listed, you can transfer your existing Altitude Points to your Velocity account 12 .

  • Westpac Altitude Platinum
  • Westpac Altitude Platinum Plus
  • Westpac Altitude Black
  • Westpac Altitude Business Gold
  • Westpac Altitude Business Platinum

How to transfer

A minimum 3,000 Altitude Points are required to transfer, with additional increments in multiples of 500 Altitude Points at a time

  • Log in to   Altitude Rewards   via the Westpac App or Online Banking
  • Click on Redeem Points
  • Click on Airline Points under Altitude Travel
  • Select Velocity and enter the quantity of points to transfer (minimum of 3,000 Altitude Points)
  • Add to Cart and Add Velocity Info to “Transfer now”

Credit criteria, fees and charges apply. 

Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714.

Westpac Altitude Velocity Platinum Mastercard and Westpac Altitude Velocity Black Mastercard Economy X Seat Upgrade Voucher conditions:

1. By keeping or using your Westpac Altitude Velocity Platinum or Westpac Altitude Velocity Black Card, you are agreeing to these Economy X Seat Upgrade Voucher Conditions. 

2. In these Economy X Seat Upgrade Voucher Conditions:

  • Westpac means Westpac Banking Corporation ABN 33 007 457 141
  • Virgin Australia means Virgin Australia Airlines Pty Ltd ABN 36 090 670 965
  • you and your means the Altitude Velocity Platinum Mastercard or Altitude Velocity Black Mastercard primary cardholder with a Westpac Altitude Velocity card account
  • Economy X Seat Upgrade Voucher means a single use, one-way upgrade to an Economy X seat class on an eligible Virgin Australia direct domestic flight between two selected Australian cities
  • Card means the Altitude Velocity Platinum Mastercard or Altitude Velocity Black Mastercard
  • Anniversary Year means the period starting on the date on which the applicable Altitude Velocity Platinum Mastercard or Altitude Velocity Black Mastercard card account is opened by Westpac (Anniversary Date) and expiring on the day before the Anniversary Date each year thereafter
  • Primary Cardholder means the person who opens the Altitude Velocity Platinum Mastercard and Altitude Velocity Black Mastercard with Westpac

Other expressions which are used in these Economy X Seat Upgrade Voucher Conditions that are not defined here have the same meaning as in the Points Terms and Conditions.

3. Economy X Seat Upgrade Voucher redemption is available for booking via the redemption criteria in clause 13 by eligible Altitude Velocity Platinum Mastercard or Altitude Velocity Black Mastercard primary cardholders.

4. Eligibility:

(a) You are entitled to two Economy X Seat Upgrade Vouchers per Anniversary Year of holding your eligible Altitude Velocity Platinum Mastercard or Altitude Velocity Black Mastercard card account after meeting any annual spend and other criteria required by Westpac.  For spend, other criteria and Altitude Terms and Conditions, please refer to  https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/Altitude_Rewards_Terms_and_1.pdf

(b)Your Flight must be booked and Economy X Seat Upgrade Vouchers redeemed before the end of each Anniversary Year. Voucher benefits cannot be carried forward to any subsequent year.

5. Subject to applicable laws, Virgin Australia and Westpac reserve the right to change these Economy X Seat Upgrade Voucher Conditions from time to time without prior notice, including but not limited to the right to charge fees for Economy X Seat Upgrades or to stop offering Economy X Seat Upgrades. Westpac will inform you of any changes to these Economy X Seat Upgrade Voucher Conditions.

6. You may redeem your Economy X Seat Upgrade Voucher in the name of another individual travelling on the same itinerary as the Primary Cardholder.

7. Each Economy X Seat Upgrade Voucher can only be redeemed on an eligible non-stop Virgin Australia operated domestic Australian flight. The Economy X Upgrade Voucher is valid per single flight sector only.  The flight on which the Economy X Seat Upgrade Voucher is redeemed may be part of a multi-flight itinerary but the Economy X Seat Upgrade Voucher can be applied to only one flight sector.

8. All Economy X Seat Upgrade Voucher redemptions are subject to availability and neither Virgin Australia nor Westpac guarantee that Economy X seats will be available on the flight you may wish to redeem on. Economy X seat availability may be limited to certain dates and/or flights and it may be more difficult to book seats around public holidays, school holidays or special events.

9. All travel is subject to the  Virgin Australia Fare Conditions and Virgin Australia Conditions of Carriage  as amended from time to time. No Velocity Points or Status Credits will be awarded for Economy X Seat Upgrade Voucher redemptions. 

10. An Economy X Seat Upgrade Voucher cannot be redeemed on a Velocity Reward Seat redemption. 

11. Tickets on which the Economy X Seat Upgrade has been redeemed may not be sold, transferred, endorsed, exchanged for cash or refunded (except as provided under the Australian Consumer Law). 

12. C12. Credit card applications are subject to Westpac’s normal lending criteria. Terms and conditions and fees and charges apply and are available on request at any Westpac branch or via westpac.com.au. The features of the Altitude Card may change. Altitude Cards are issued by Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714. All Velocity Points redemptions with Velocity Frequent Flyer are subject to availability, which may be limited and to the  Velocity Membership Terms & Conditions [RD1]  . Individuals must be an Altitude cardholder and Velocity Member. The earning and redemption of Altitude Points is subject to the  Altitude Rewards Terms and Conditions [RD2]  . These Terms and Conditions set out when you do not earn Altitude Points, including on cash advances. Membership of Velocity is the cardholders' responsibility and is subject to the Velocity Membership Terms & Conditions [RD3]   as amended from time to time. To redeem Altitude Points, the cardholder must register (by calling 1300 887 820 or at  altituderewards.com.au ) their Velocity Membership Number prior to their first redemption.

You must have earned a minimum of 3,000 Altitude Points before you can redeem for any Altitude reward. A minimum of 6 Altitude Points are required before points can be transferred to Velocity. You must transfer a minimum of 3,000 Altitude Points to Velocity, with additional increments in multiples of 500 Altitude Points at a time. Subsequent transfers can be done over the phone or online.  You will receive 1 Velocity Point for every 3 Altitude Points. Please allow 3 business days for the processing of the transfers. You will not receive Altitude Points if your card account is in arrears for 2 consecutive statement cycles and in other circumstances. Once Altitude Points have been redeemed for Velocity Points, they are governed by the Velocity Membership Terms and Conditions and cannot be reversed. Velocity membership and the earn and redemption of Velocity Points is subject to the  Membership Terms and Conditions , as amended from time to time.

13. Redemption Criteria:

 (a) Flight you wish to redeem your Economy X Seat Upgrade Voucher on must be purchased using your Altitude Velocity Platinum Mastercard or Altitude Velocity Black Mastercard. 

(b) To redeem your complimentary Economy X Seat Upgrade Voucher, please contact Virgin Australia by calling 1300 038 373 with your flight booking details and Velocity Frequent Flyer membership number. 

14. After an Economy X Seat Upgrade Voucher has been redeemed, any changes to the flight booking, including the Economy X seat, should be made via the  Virgin Australia Guest Contact Centre . If you wish to cancel and/ or re-route and/ or change the time and/or date of a booked flight on which Economy X Seat Upgrade Voucher has been redeemed, please contact Virgin Australia by calling 1300 038 373. If you cancel and/ or re-route and/ or change the time and/ or date of a booked flight on which Economy X Seat Upgrade Voucher has been redeemed and an Economy X Seat is not available on your new flight, your voucher will be forfeited. 

15. The Economy X Seat Upgrade Voucher Redemption Criteria is subject to change and Velocity Frequent Flyer reserve the right to amend the process from time to time. 

16. If the flight on which you have redeemed your Economy X Upgrade Seat voucher is cancelled and/ or disrupted by Virgin Australia, you are entitled to a new complimentary Economy X Seat Upgrade Voucher, only if:

(a) you were rebooked to another flight:

(i) by Virgin Australia for operational reasons or because Virgin Australia cancelled your flight and Economy X was not provided on the other flight;

(ii) because you missed your connecting flight after an inbound flight on Virgin Australia or its codeshare partners and you were not provided with an Economy X seat on the other flight;

(b) Virgin Australia changed the aircraft and there were no Economy X seats available on the alternative aircraft

(c) Virgin Australia used its right to assign or reassign your Economy X seat either before or after boarding for operational, safety, security or other reasons;

(d) you were seated in an Exit Row, however were assigned a standard Economy seat because you no longer wanted to sit in an Exit Row or no longer meet the Exit Row Safety Conditions and Virgin Australia were unable to accommodate you in an alternate Economy X seat.

(e)you were seated in an Economy X seat in an Exit Row and refuse to accept the Exit Row Safety conditions and Virgin Australia were unable to accommodate you in an alternate Economy X seat.

(f). To receive your new complimentary Economy X seat upgrade voucher, please complete an Economy X Enquiry on the  Virgin Australia Contact Us . Your new complimentary Economy X Voucher will then be applied to your Velocity Frequent Flyer membership account. 

17. Westpac does not own or operate any airline or aircraft. Westpac is not liable for service deficiencies on the part of airlines or other service providers, including but not limited to: accidents, injuries, infections and illnesses; delays and diversions;

changes in routes or itineraries; loss, theft or damage to possessions.

18. These Economy X Seat Upgrade Voucher Conditions are governed by the laws of Queensland.

Westpac Altitude Black Mastercard and Westpac Altitude Platinum Mastercard:

2. Westpac Altitude Mastercard bonus points promotion: Receive up to 120,000 Velocity Points when you apply and are approved for a new Westpac Altitude Velocity Black Card between 2 November 2023 and 30 April 2024. You will receive an initial 90,000 bonus points if you spend $6,000 or more on eligible purchases within 120 days of card approval. These will be credited to your points balance within 12 weeks of meeting this spend criteria. You will receive an additional 30,000 bonus points if you keep your account open for more than 12 months and continue to use the card. These additional points will be credited to your points balance within 12 weeks, after the first eligible purchase is made in the second year of your card account being active. Receive 70,000 Velocity Points when you apply and are approved for a new Westpac Altitude Velocity Platinum Card between 2 November 2023 and 30 April 2024, and spend the minimum amount of $4,000 on eligible purchases on the Westpac Altitude Velocity Platinum Card within 90 days of Card approval in one or more transactions. Eligible purchases do not include fees, cash, cash equivalent transactions, payments to the Australian Tax Office, BPAY, BPAY equivalent transaction, refunds and balance transfers debited from the card account. The bonus Velocity Points will be added to your points balance within 12 weeks once you meet the eligible spend criteria. Existing Westpac customers who currently hold an Earth Classic, Earth Platinum, Earth Platinum Plus, Earth Black, Altitude Classic, Altitude Platinum or Altitude Black credit card, or who have held one in the last 12 months, are not eligible for this offer.

3. Rewards Points on the Westpac Altitude Mastercard: The earning and redemption of Velocity Points is subject to the  Altitude Velocity Terms and Conditions . Purchases that are not eligible to earn Velocity Points are set out in the Altitude Rewards Terms and Conditions. For example: payments to the Australian Taxation Office, cash advances, BPAY and BPAY equivalent transactions do not earn Velocity Points. You do not receive points if your card account is in arrears for 2 consecutive statement cycles and in other circumstances. An annual $75 Velocity Rewards fee applies for customers who choose to earn Velocity Points through the Altitude Velocity Rewards program.

4. The complimentary Lounge pass benefit is available to Primary Velocity Altitude Black Mastercard Cardholders only and provides two Single-Entry Virgin Australia domestic Lounge passes each year. You will become eligible for your two Single-Entry Virgin Australia domestic Lounge passes upon card activation in your first year and then each anniversary thereafter. See   Virgin Australia Lounge Pass Benefit Terms & Conditions  for full details.

5. Complimentary insurance covers: AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631 (trading as Allianz Global Assistance) under a binder from the insurer, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 has issued an insurance group policy to Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714 (Westpac) which allows eligible Westpac cardholders to claim under it as third-party beneficiaries. Any advice on insurance is general advice only and not based on any consideration of your objectives, financial situation or needs. The terms, conditions, limits and exclusions of the group policy are set out in the  Westpac Credit Cards Complimentary Insurance Policy  which may be amended from time to time. Westpac does not guarantee this insurance.

6. Concierge Services: Concierge Services are subject to the Westpac Rewards Credit Cards  Concierge Service Terms and Conditions .

Westpac Points Transfer:

12. Transfer one time: A minimum of 6 Altitude points is required before points can be transferred. You will receive 1 Velocity Point for every 3 Altitude points. Please allow 3 business days for the processing of the transfers. You will not receive points if your card account is in arrears for 2 consecutive statement cycles and in other circumstances. Once Altitude Points have been redeemed for Velocity Points, they are governed by the Velocity Membership Terms and Conditions and cannot be reversed. Velocity membership and the earn and redemption of Velocity Points is subject to the  Membership Terms and Conditions , as amended from time to time.

Velocity membership Terms and Conditions  apply.

CULINARY AUSSIE DELIGHTS

CULINARY AUSSIE DELIGHTS

Discover the latest aussie collection showcasing top quality Australian-made foods, wines gift packs and more.

Criteria, T&C's apply

YOUR 20 PERCENT BONUS VELOCITY POINTS OFFER HAS LANDED

YOUR 20% BONUS VELOCITY POINTS OFFER HAS LANDED

Transfer your Altitude Points to Velocity this November, December and January – transfer in all 3 months for a 20% boost to use for a future trip*.

*Offer period 1 Nov 2023- 31 Jan 2024. Eligibility criteria, minimum transfer and T&C's apply.

10% OFF APPLE GIFT CARDS

10% OFF APPLE GIFT CARDS

Get 10% off when you redeem your points for Apple gift cards. The gift card for everything Apple.

Welcome to Altitude Rewards

Our credit card rewards program let’s you earn Altitude Reward points on everyday eligible purchases to redeem for our extensive range of offers from gift cards, cash back, with partner airlines or at our online store.

Not only do you get the choice on how you use your points, you’ll earn even more of them when you shop with our select partners. The best thing is, your points won’t expire while you’re an Altitude cardholder, giving you all the time you need to redeem.

Whether Platinum or Black, there’s plenty more to love beyond points and rewards. Scroll down to take a look.

A more rewarding program

Redeem from our large selection of physical and digital cards for those everyday purchases such as fuel, groceries, technology, housewares and fashion 1 . Find out more

Use your points to book your next adventure. Find out more

Frequent Flyer

Transfer your Altitude Points to one of our airline partners 2 . Find out more

If you can't decide, you can redeem your points for cashback to your account 1 . Find out more

Merchandise

Browse hundreds of products from tech to homewares. Find out more

Earn up to 6 points per $1 with our Accelerated Earn Partners 3

Spotify

Explore our Altitude Rewards cards

Altitude Platinum

Altitude Platinum

Earn up to 3 points per dollar spent with the Altitude Rewards Platinum card

Altitude Rewards Black

Altitude Black

Earn up to 6 points per dollar spent with the Altitude Rewards Black card

More than reward points

westpac rewards travel insurance

Complimentary insurance covers 6

Complimentary insurance covers for overseas travel, extended warranty, purchase security transit accidents are subject to the terms and conditions set out in the Westpac Credit Cards Complimentary Insurance Policy.

westpac rewards travel insurance

Personal Concierge Service

Exclusive to Westpac Altitude Black cardholders, the Personal Concierge Service 4 lets you browse and book experiences online, including hard-to-get tickets, last-minute restaurant bookings and more.

westpac rewards travel insurance

Extra Airport Lounge benefits

Including two complimentary Priority Pass airport lounge passes each year, one of which you can share with your travel companion 5 . See FAQs on how to redeem.

Ready to redeem?

Sign in to Westpac Online Banking or call 1300 887 820

Start earning rewards

Find out more

Things you should know

  • Altitude Rewards Terms and Conditions
  • Altitude Business Rewards Terms and Conditions
  • Online Banking Terms and Conditions

The products and items available for redemption via this page are subject to change in points and availability.

This information is general in nature and has been prepared without taking your objectives, needs and overall financial situation into account. For this reason, you should consider the appropriateness of the information to your own circumstances and, if necessary, seek appropriate professional advice

Conditions, credit criteria and fees and charges apply, credit provided by Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714.

You need to register for Westpac Online Banking and/or the Westpac Mobile Banking App in order to use Online or Mobile Banking. Read the Online Banking Terms and Conditions.

1. The earning and redemption of Altitude Points is subject to the Altitude Rewards Terms and Conditions or Altitude Business Rewards Terms and Conditions. The terms and conditions outline which purchases are eligible for points and the circumstances when you will not earn points, including when your account is overdue. Any unclaimed Rewards Points will expire 90 days from the day the account is closed. Eligible purchases do not include interest, fees and charges, cash or ATM cash advances, cash equivalent transactions, gambling transactions, a purchase from or payment to a local, state or federal government or government related agency, BPAY or similar transactions (such as Post Billpay), refunds and balance transfers debited from the card account.

2. You must be a member of the relevant frequent flyer program to redeem Altitude Points for frequent flyer points and a joining fee may apply. The Altitude Terms and Conditions or the Altitude Business Rewards Terms and Conditions and relevant frequent flyer program terms and conditions apply. Reward flights may be limited and points may be subject to expiry once transferred.

3. Accelerated Earn - Flights: Earn 6 points per dollar on the first $10,000 spent on flights per calendar month, then 1.25 points per $1 spent thereafter on the Altitude Black Mastercard. Or earn 3 points per dollar on the first $10,000 on flights per calendar month, then 1 point per $1 spent thereafter on the Altitude Platinum Mastercard. Points earn applies to flights purchased in Australia directly with the above listed participating airlines using your Altitude Black Mastercard or Altitude Platinum Mastercard. Excludes flights not purchased directly with the participating airlines for example flights purchased through a travel agent, online aggregators or other airlines such as a code-share etc. Excludes Altitude Qantas, Altitude Velocity and Visa Altitude cards. Participating airlines are subject to change.

4. Concierge Services for Altitude Black. Concierge services are provided by a third party supplier. For further details including terms and conditions visit westpac.tenconcierge.com

5. Complimentary lounge passes disclaimers: Priority Pass Membership: Available to Westpac Altitude Black primary cardholders earning Altitude Points through the Altitude Rewards program. Requires enrolment through prioritypass.com/westpacblack. The Primary Cardholder receives two complimentary visits in any 12-month period, one of which may be used by an accompanying guest. Subsequent visits in the 12-month period incur an additional cost, currently US$32 per person, per visit, which will be automatically charged to the primary cardholder's Altitude Black card. A Foreign Transaction Fee will apply to the conversion amount. Unused visits expire and cannot be carried forward to any subsequent year. Visit the Contact Us page on www.prioritypass.com for enquiries about the Priority Pass program. Subject to the Priority Pass Conditions Of Use.

6. Complimentary insurance covers: AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631 (trading as Allianz Global Assistance) under a binder from the insurer, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 has issued an insurance group policy to Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714 (Westpac) which allows eligible Westpac cardholders to claim under it as third party beneficiaries. Any advice on insurance is general advice only and not based on any consideration of your objectives, financial situation or needs. The terms, conditions, limits and exclusions of the group policy are set out in the Westpac Credit Cards Complimentary Insurance Policy (PDF 6MB) which may be amended from time to time. Westpac does not guarantee this insurance.

Altitude Travel is operated by Mastercard Travel Solutions Australia Pty Ltd. ABN 70 003 745 999 and subject to the Altitude Travel Terms and Conditions .

  • Westpac Privacy Policy
  • Website Terms of Use

Westpac Altitude Rewards

  • Auto Insurance Best Car Insurance Cheapest Car Insurance Compare Car Insurance Quotes Best Car Insurance For Young Drivers Best Auto & Home Bundles Cheapest Cars To Insure
  • Home Insurance Best Home Insurance Best Renters Insurance Cheapest Homeowners Insurance Types Of Homeowners Insurance
  • Life Insurance Best Life Insurance Best Term Life Insurance Best Senior Life Insurance Best Whole Life Insurance Best No Exam Life Insurance
  • Pet Insurance Best Pet Insurance Cheap Pet Insurance Pet Insurance Costs Compare Pet Insurance Quotes
  • Travel Insurance Best Travel Insurance Cancel For Any Reason Travel Insurance Best Cruise Travel Insurance Best Senior Travel Insurance
  • Health Insurance Best Health Insurance Plans Best Affordable Health Insurance Best Dental Insurance Best Vision Insurance Best Disability Insurance
  • Credit Cards Best Credit Cards 2024 Best Balance Transfer Credit Cards Best Rewards Credit Cards Best Cash Back Credit Cards Best Travel Rewards Credit Cards Best 0% APR Credit Cards Best Business Credit Cards Best Credit Cards for Startups Best Credit Cards For Bad Credit Best Cards for Students without Credit
  • Credit Card Reviews Chase Sapphire Preferred Wells Fargo Active Cash® Chase Sapphire Reserve Citi Double Cash Citi Diamond Preferred Chase Ink Business Unlimited American Express Blue Business Plus
  • Credit Card by Issuer Best Chase Credit Cards Best American Express Credit Cards Best Bank of America Credit Cards Best Visa Credit Cards
  • Credit Score Best Credit Monitoring Services Best Identity Theft Protection
  • Checking Best High-Yield Checking Accounts Best Checking Accounts Best No Fee Checking Accounts Best Teen Checking Accounts Best Student Checking Accounts Best Joint Checking Accounts Best Business Checking Accounts Best Free Checking Accounts
  • Savings Best High-Yield Savings Accounts Best Free No-Fee Savings Accounts Simple Savings Calculator Monthly Budget Calculator: 50/30/20
  • CDs Best CD Rates Best No Penalty CDs Best Credit Union CDs Best Jumbo CD Rates Best 3 Month CD Rates Best 6 Month CD Rates Best 9 Month CD Rates Best 1 Year CD Rates Best 18 Month CD Rates Best 2 Year CD Rates Best 3 Year CD Rates Best 4 Year CD Rates Best 5 Year CD Rates Best 10 Year CD Rates
  • Mortgages Best Mortgage Lenders Best Online Mortgage Lenders Current Mortgage Rates Best HELOC Rates Best Mortgage Refinance Lenders Best Home Equity Loan Lenders Best VA Mortgage Lenders Mortgage Refinance Rates Mortgage Interest Rate Forecast
  • Personal Loans Best Personal Loans Best Debt Consolidation Loans Best Emergency Loans Best Home Improvement Loans Best Bad Credit Loans Best Installment Loans For Bad Credit Best Personal Loans For Fair Credit Best Low Interest Personal Loans
  • Student Loans Best Student Loans Best Student Loan Refinance Best Student Loans for Bad or No Credit Best Low-Interest Student Loans
  • Business Loans Best Business Loans Best Business Lines of Credit Apply For A Business Loan Business Loan vs. Business Line Of Credit What Is An SBA Loan?
  • Investing Best Online Brokers Top 10 Cryptocurrencies Best Low-Risk Investments Best Cheap Stocks To Buy Now Best S&P 500 Index Funds Best Stocks For Beginners How To Make Money From Investing In Stocks
  • Retirement Best Gold IRAs Best Investments for a Roth IRA Best Bitcoin IRAs Protecting Your 401(k) In a Recession Types of IRAs Roth vs Traditional IRA How To Open A Roth IRA
  • LLC Formation Best LLC Services ZenBusiness LLC Review LegalZoom LLC Review Inc Authority LLC Review Incfile LLC Review
  • Services Best E-commerce Platform Best Website Builders Best Point-of-Sale (POS) Systems Best Registered Agent Services Best Credit Card Processing Companies Best Credit Card Readers for Small Businesses
  • HR & Payroll Best Payroll Software Best Free Payroll Software
  • VPN Reviews Best VPNs ProtonVPN Review ExpressVPN Review CyberGhost VPN Review Private Internet Access VPN Review
  • Manage Topics
  • Investigations
  • Visual Explainers
  • Newsletters
  • Abortion news
  • Coronavirus
  • Climate Change
  • Vertical Storytelling
  • Corrections Policy
  • College Football
  • High School Sports
  • H.S. Sports Awards
  • Sports Betting
  • College Basketball (M)
  • College Basketball (W)
  • For The Win
  • Sports Pulse
  • Weekly Pulse
  • Buy Tickets
  • Sports Seriously
  • Sports+ States
  • Celebrities
  • Entertainment This!
  • Celebrity Deaths
  • American Influencer Awards
  • Women of the Century
  • Problem Solved
  • Personal Finance
  • Small Business
  • Consumer Recalls
  • Video Games
  • Product Reviews
  • Destinations
  • Airline News
  • Experience America
  • Today's Debate
  • Suzette Hackney
  • Policing the USA
  • Meet the Editorial Board
  • How to Submit Content
  • Hidden Common Ground
  • Race in America

Personal Loans

Best Personal Loans

Auto Insurance

Best Auto Insurance

Best High-Yields Savings Accounts

CREDIT CARDS

Best Credit Cards

Advertiser Disclosure

Blueprint is an independent, advertising-supported comparison service focused on helping readers make smarter decisions. We receive compensation from the companies that advertise on Blueprint which may impact how and where products appear on this site. The compensation we receive from advertisers does not influence the recommendations or advice our editorial team provides in our articles or otherwise impact any of the editorial content on Blueprint. Blueprint does not include all companies, products or offers that may be available to you within the market. A list of selected affiliate partners is available here .

Travel Insurance

John Hancock travel insurance review 2024

Jennifer Simonson

Mandy Sleight

Mandy Sleight

“Verified by an expert” means that this article has been thoroughly reviewed and evaluated for accuracy.

Kara McGinley

Kara McGinley

Published 5:00 a.m. UTC Jan. 24, 2024

  • path]:fill-[#49619B]" alt="Facebook" width="18" height="18" viewBox="0 0 18 18" fill="none" xmlns="http://www.w3.org/2000/svg">
  • path]:fill-[#202020]" alt="Email" width="19" height="14" viewBox="0 0 19 14" fill="none" xmlns="http://www.w3.org/2000/svg">

Editorial Note: Blueprint may earn a commission from affiliate partner links featured here on our site. This commission does not influence our editors' opinions or evaluations. Please view our full advertiser disclosure policy .

John Hancock Insurance Agency

John Hancock Insurance Agency

Top-scoring plan

Covers covid, medical & evacuation limits per person, what you should know.

John Hancock’s Silver travel insurance plan has solid coverage for baggage and personal item loss, baggage delay and travel delay. Silver is John Hancock’s top-scoring plan in our analysis of the best travel insurance plans , but its pricier Gold plan gets the same rating of 3 stars.

  • Silver plan has $1,000 specific items limit for personal item loss.
  • Generous $500 per person baggage delay benefit.
  • “Cancel for any reason” coverage upgrade of 75% available.
  • Lower emergency medical coverage limit than many leading competitors.
  • No option to purchase “interruption for any reason” coverage.
  • No non-medical evacuation coverage.

Why trust our travel insurance experts

Our team of experts evaluates hundreds of insurance products and analyzes thousands of data points to help you find the best product for your situation. We use a data-driven methodology to determine each rating. Advertisers do not influence our editorial content. You can read more about our  methodology  below.

  • 1,855 coverage details evaluated.
  • 567 rates reviewed.
  • 5 levels of fact-checking.

John Hancock overview

John Hancock travel insurance is underwritten by Starr Insurance, which was founded in 1919. It offers three travel insurance plans: Bronze, Silver and Gold. Its Silver and Gold plans get 3 stars in our rating of the best travel insurance . 

John Hancock travel insurance plans

John Hancock offers three plans with varying levels of travel insurance coverage . Each plan includes: 

  • 24/7 assistance.
  • Airline ticket change fee.
  • Baggage/personal effects coverage. 
  • Emergency medical coverage. 
  • Emergency medical evacuation coverage. 
  • Missed connection coverage.
  • Terror attack coverage. 
  • Trip cancellation coverage.
  • Trip delay coverage.
  • Trip interruption coverage. 

Bronze 

John Hancock’s Bronze plan is the most economically affordable of the three options. This plan includes all the standard coverage benefits:

  • Emergency medical evacuation: $250,000.
  • Emergency medical: $50,000.
  • Trip cancellation: 100% of eligible trip costs.
  • Trip interruption: 125% of eligible trip costs.
  • Optional “cancel for any reason” CFAR coverage: 75% reimbursement for prepaid, nonrefundable payments. Must be purchased within 14 days of your trip deposit. To use this coverage, you must cancel at least two days before your departure date. 

The Bronze plan also includes coverage for delayed and lost baggage, missed connections, travel delay and 24-hour accidental death and dismemberment. This plan includes a pre-existing conditions waiver if purchased within 14 days of your first trip deposit and 100% of your trip costs are insured. Pre-existing conditions are typically not covered by travel insurance. 

Silver 

The John Hancock Silver travel insurance plan scores 3 out of 5 stars in our review of the best travel insurance companies . 

  • Emergency medical evacuation: $500,000. 
  • Emergency medical: $100,000.
  • Trip interruption: 150% of eligible trip costs.

The Silver plan includes more coverage than the Bronze plan for missed connections, travel delay, lost and delayed baggage and 24-hour accidental death and dismemberment. 

Like the Bronze plan, the Silver plan includes a pre-existing conditions waiver if purchased within 14 days of your first trip deposit and 100% of your trip costs are insured. 

The John Hancock Gold plan also scores 3 out of 5 stars in our analysis of the best travel insurance companies. 

  • Emergency medical evacuation: $1 million.
  • Emergency medical: $250,000. 
  • Trip cancellation: 100% of eligible trip costs. 
  • Trip interruption: 150% of eligible trip costs. 
  • Optional “cancel for any reason” CFAR coverage: 75% reimbursement for prepaid, nonrefundable payments. Must be purchased within 14 days of your trip deposit. To use this coverage, you must cancel at least days before your departure date.

Of the three plans offered by John Hancock travel insurance, the Gold plan offers the highest coverage limits for travel delay, missed connections and baggage loss. It also offers baggage delay and 24-hour accidental death and dismemberment coverage.

Additional travel coverages

John Hancock offers three add-on coverage options to further customize your insurance plan. For an additional cost, these add-ons can be purchased at the time you purchased your policy. 

“Cancel-for-any-reason” (CFAR) coverage

The Bronze, Silver and Gold plans all offer the option to upgrade to “cancel for any reason” (CFAR) coverage . CFAR coverage reimburses 75% of nonrefundable payments or deposits even if the trip is canceled for a reason that is not listed in your policy. 

A CFAR upgrade is only available if you buy it within 14 days of your first trip deposit. To use this coverage, you need to cancel your trip at least 48 hours before your scheduled departure date. 

Accidental death and dismemberment coverage

Each of John Hancock’s travel insurance plans include coverage for accidental death and dismemberment (AD&D). The Bronze plan includes $25,000 per person, while the Silver and Gold plans increase coverage to $100,000 per person. Each plan offers the option to include coverage for flight only AD&D, which pays an additional benefit for loss of limb or life when you’re a passenger on a common carrier aircraft.

Rental car damage coverage

Rental car damage is add-on coverage that will reimburse up to the vehicle’s actual cash value (ACV), the cost of repairs or the benefit outlined in your policy details if it’s damaged in a collision or stolen while in your possession. Covered losses include fire, flood, hail or windstorm damage.

What John Hancock travel insurance doesn't cover

Like all travel insurance companies, John Hancock does not cover every incident that could occur before or during your trip. 

For instance, exclusions to emergency medical coverage for the John Hancock Gold plan include:

  • Cosmetic surgery (except as the result of accidental injury).
  • Dental treatment (unless as a result of accidental injury).
  • Injuries due to activities such as contact sports, hang gliding, skydiving, mountaineering, horse racing, car and motorcycle racing, parachuting, scuba diving (unless accompanied by a dive master at a depth of 100 feet or less), spelunking and bungee jumping.
  • Injuries resulting from being intoxicated above the legal limit or under the influence of drugs or narcotics (unless prescribed by a physician and taken in accordance with your physician’s instructions).
  • Mental or emotional disorders.
  • Non-emergency treatments or surgeries including routine physical exams, hearing aids, eyeglasses or contact lenses.
  • Piloting or learning to pilot an aircraft.
  • Suicide or attempted suicide.

Each John Hancock’s travel insurance plan has limitations, so it is important to read the fine print for what is covered. John Hancock’s “free-look” period gives you 14 days in most states to review your policy and cancel for a full refund if it doesn’t fit your needs.

John Hancock travel insurance policy rates

How much you’ll pay for a John Hancock travel insurance plan will depend on personal factors such as your trip destination, trip length, number of travelers and age of travelers. Upgrades such as “cancel for any reason” (CFAR) coverage will also impact your rate. 

We plugged in several travel scenarios to give you sample rates for John Hancock Insurance Agency’s Silver plan. 

Methodology

Our insurance experts reviewed 1,855 coverage details and 567 rates to determine the best travel insurance of 2024. For companies with more than one travel insurance plan, we shared information about the highest-scoring plan.

Insurers could score up to 100 points based on the following factors:

  • Cost: 40 points. We scored the average cost of each travel insurance policy for a variety of trips and traveler profiles.
  • Medical expenses: 10 points. We scored travel medical insurance by the coverage amount available. Travel insurance policies with emergency medical expense benefits of $250,000 or more per person were given the highest score of 10 points.
  • Medical evacuation: 10 points. We scored each plan’s emergency medical evacuation coverage by coverage amount. Travel insurance policies with medical evacuation expense benefits of $500,000 or more per person were given the highest score of 10 points. Pre-existing medical condition exclusion waiver: 10 points. We gave full points to travel insurance policies that cover pre-existing medical conditions if certain conditions are met.
  • Missed connection: 10 points. Travel insurance plans with missed connection benefits of $1,000 per person or more received full points.
  • “Cancel for any reason” upgrade: 5 points. We gave points to travel insurance plans with optional “cancel for any reason” coverage that reimburses up to 75%.
  • Travel delay required waiting time: 5 points. We gave 5 points to travel insurance policies with travel delay benefits that kick in after a delay of 6 hours or less.
  • Cancel for work reasons: 5 points. If a travel insurance plan allows you to cancel your trip for work reasons, such as your boss requiring you to stay and work, we gave it 5 points.
  • Hurricane and severe weather: 5 points. Travel insurance plans that have a required waiting period for hurricane and weather coverage of 12 hours or less received 5 points.

Some travel insurance companies may offer plans with additional benefits or lower prices than the plans that scored the highest, so make sure to compare travel insurance quotes to see your full range of options.

Frequently asked questions (FAQs)

John Hancock travel insurance is a subsidiary of Manulife. Manulife is an international financial services company that operates primarily as John Hancock in the United States and Manulife elsewhere.

Yes, John Hancock travel insurance Bronze, Silver and Gold plans all offer the option to purchase “cancel for any reason” CFAR coverage . This upgrade will reimburse up to 75% of your nonrefundable trip payments if you decide to cancel, as long as you do it at least two days before your scheduled departure.

Pre-existing conditions won’t be excluded from coverage if you buy a John Hancock travel insurance plan within 14 days of your first trip payment, your policy is the first and only policy issued for your travel dates and destination and you are medically able to travel at the time you buy your policy. As always, it is a good idea to check your policy details to confirm coverage.

Blueprint is an independent publisher and comparison service, not an investment advisor. The information provided is for educational purposes only and we encourage you to seek personalized advice from qualified professionals regarding specific financial decisions. Past performance is not indicative of future results.

Blueprint has an advertiser disclosure policy . The opinions, analyses, reviews or recommendations expressed in this article are those of the Blueprint editorial staff alone. Blueprint adheres to strict editorial integrity standards. The information is accurate as of the publish date, but always check the provider’s website for the most current information.

Jennifer Simonson

Jennifer Simonson covers everything from business to the wine industry to international travel. Outdoor adventure, water parks and all things Texas are by far her favorite beats. Her work has appeared in Forbes, Travel + Leisure, Texas Monthly, Smithsonian Magazine, Fodor's, Lonely Planet, Slate and more. You can follow her on Instagram at @storiestoldwell.

Mandy is an insurance writer who has been creating online content since 2018. Before becoming a full-time freelance writer, Mandy spent 15 years working as an insurance agent. Her work has been published in Bankrate, MoneyGeek, The Insurance Bulletin, U.S. News and more.

Kara McGinley is deputy editor of insurance at USA TODAY Blueprint and a licensed home insurance expert. Previously, she was a senior editor at Policygenius, where she specialized in homeowners and renters insurance. Her work and insights have been featured in MSN, Lifehacker, Kiplinger, PropertyCasualty360 and more.

10 worst US airports for flight cancellations this week

10 worst US airports for flight cancellations this week

Travel Insurance Heidi Gollub

10 worst US airports for flight cancellations last week

10 worst US airports for flight cancellations last week

HTH Worldwide travel insurance review 2024

HTH Worldwide travel insurance review 2024

Travel Insurance Jennifer Simonson

Airfare at major airports is up 29% since 2021

Airfare at major airports is up 29% since 2021

Travel Insurance Timothy Moore

USI Affinity travel insurance review 2024

USI Affinity travel insurance review 2024

Trawick International travel insurance review 2024

Trawick International travel insurance review 2024

Travel insurance for Canada

Travel insurance for Canada

Travel Insurance Mandy Sleight

Travelex travel insurance review 2024

Travelex travel insurance review 2024

Best travel insurance companies of January 2024

Best travel insurance companies of January 2024

Travel Insurance Amy Fontinelle

Best travel insurance for a Disney World vacation in 2024

Best travel insurance for a Disney World vacation in 2024

World Nomads travel insurance review 2024

World Nomads travel insurance review 2024

Outlook for travel insurance in 2024

Outlook for travel insurance in 2024

Survey: Nearly 85% of Americans avoid family over the holidays

Survey: Nearly 85% of Americans avoid family over the holidays

Travel Insurance Kara McGinley

AIG travel insurance review 2024

AIG travel insurance review 2024

Average cost of travel insurance in 2024

Average cost of travel insurance in 2024

  • Credit Cards

Best Virgin Velocity Credit Cards

The journalists on the editorial team at Forbes Advisor Australia base their research and opinions on objective, independent information-gathering.

When covering investment and personal finance stories, we aim to inform our readers rather than recommend specific financial product or asset classes. While we may highlight certain positives of a financial product or asset class, there is no guarantee that readers will benefit from the product or investment approach and may, in fact, make a loss if they acquire the product or adopt the approach.

To the extent any recommendations or statements of opinion or fact made in a story may constitute financial advice, they constitute general information and not personal financial advice in any form. As such, any recommendations or statements do not take into account the financial circumstances, investment objectives, tax implications, or any specific requirements of readers.

Readers of our stories should not act on any recommendation without first taking appropriate steps to verify the information in the stories consulting their independent financial adviser in order to ascertain whether the recommendation (if any) is appropriate, having regard to their investment objectives, financial situation and particular needs. Providing access to our stories should not be construed as investment advice or a solicitation to buy or sell any security or product, or to engage in or refrain from engaging in any transaction by Forbes Advisor Australia. In comparing various financial products and services, we are unable to compare every provider in the market so our rankings do not constitute a comprehensive review of a particular sector. While we do go to great lengths to ensure our ranking criteria matches the concerns of consumers, we cannot guarantee that every relevant feature of a financial product will be reviewed. We make every effort to provide accurate and up-to-date information. However, Forbes Advisor Australia cannot guarantee the accuracy, completeness or timeliness of this website. Forbes Advisor Australia accepts no responsibility to update any person regarding any inaccuracy, omission or change in information in our stories or any other information made available to a person, nor any obligation to furnish the person with any further information.

Our Pick Of The Best Virgin Velocity Credit Cards For Frequent Flyers

Updated: Jan 26, 2024, 3:59pm

Reviewed By

If you’re looking to join the Virgin Velocity Frequent Flyer Program and take advantage of its many travel-related benefits, taking out a credit card that can earn you Velocity points is a good place to start.

Cardholders can earn points on purchases, which can then be redeemed to spend on flights with Virgin Australia, other partner airlines, or on other purchases. Certain credit cards may also offer additional perks, such as lounge access twice a year or seat upgrades once a year. These credit cards also often come with a promotional offer of tens of thousands of additional points if you spend a certain amount within a set number of months after your application is approved.

In total there are nine credit cards that allow customers to earn points directly into Virgin Velocity. Below, you can find how we rate the six credit cards on offer to individuals. We explain more about the cards for businesses and professionals, further down the page. All cards offer unlimited potential to earn points unless a monthly limit is stated.

Note: The below list represents a selection of our top category picks, as chosen by Forbes Advisor Australia’s editors and journalists. The information provided is purely factual and is not intended to imply any recommendation, opinion, or advice about a financial product. Not every product or provider in the marketplace has been reviewed, and the list below is not intended to be exhaustive nor replace your own research or independent financial advice. For more information on how Forbes Advisor ranks and reviews products, including how we identified our top category picks, read the methodology selection below.

Related: Our Pick of the Best Frequent Flyer Credit Cards

  • Virgin Australia Velocity High Flyer Card
  • American Express Velocity Platinum Card
  • American Express Velocity Escape Card

Virgin Australia Velocity Flyer Card

  • Westpac Altitude Black Credit Card with Velocity Points

Westpac Altitude Platinum Credit Card with Velocity Points

Methodology, what is the virgin velocity frequent flyer loyalty program, what other virgin velocity frequent flyer cards are there, what should i consider when comparing virgin velocity frequent flyer credit cards, what is the difference between a charge card and a credit card, how can i apply for a virgin velocity frequent flyer credit card, frequently asked questions (faqs).

  • Best Credit Cards
  • Best Frequent Flyer Credit Cards
  • What Is A Credit Card
  • How Do Credit Cards Work
  • List Of Credit Card Companies In Australia
  • Balance Transfer Credit Cards Explained

Virgin Australia Velocity High Flyer Card

Max bonus points

Max points per $1.

This card offers a reasonable annual fee in exchange for a decent point per dollar reward system, and a couple of perks thrown in for good measure. For these reasons it gets top marks from us.

For $289 a year, cardholders can earn up to 1 Velocity point per $1 they spend on eligible transactions, up to a cap of 8,000 points per month. Thereafter, they can earn 0.5 points per $1. These points can be used to fly within Australia or New Zealand with Virgin Australia, for online shopping, a bottle of wine or turned into gift vouchers.

Big spenders, who apply for the card by 31 January, are also rewarded 40,000 points if they spend $3,500 in the first and second month after card approval, for a total potential 80,000 bonus points. You will receive two single entry Virgin Australia domestic lounge passes in your Velocity account on your card anniversary, which will remain valid for a year. Each anniversary year, you can request a $129 Virgin Australia gift voucher, which comes in the form of Virgin Australia Travel Bank credit. However, you’ll have to remember to make a retail purchase using your card in the two months prior to your request to be eligible.

  • Strong bonus points offer
  • Flight and lounge access perks
  • 0% interest for 12 months on balance transfers
  • Minimum income requirement $75,000
  • Minimum credit limit $15,000
  • Capped points

American Express Velocity Platinum Card

There’s a hefty $375 annual fee attached to this card, but it offers the most benefits out of all the cards listed, starting with the super competitive 2.25 points offered per $1 spent on Virgin Australia purchases. There are also 1.25 points per $1 for most other eligible purchases, and 0.5 points per $1 when spending with Australian government bodies, such as the ATO, Australia Post, and federal or state and local government bodies. Up until 31 January, new cardholders who have not held an American Express card in the last 18 months, and those who are not David Jones cardholders, are also rewarded 60,000 bonus points if they applied for the card online and spend $3,000 on eligible purchases, within the first three months after approval.

The number and range of perks attached to this card make it an attractive offering for the keen traveller. Cardholders receive at least 100 Velocity Frequent Flyer Status Credits when they spend at least $50,000 on eligible purchases in a full card membership year. Each anniversary year cardholders are also rewarded with a complimentary Virgin Australia economy domestic return flight between selected cities after their first card spend. They will also receive two single entry complimentary lounge passes for Virgin Australia and The Centurion Lounge at Sydney or Melbourne International Airport.

To take advantage of travel cover, you should pay for your trip using your card. The insurance will also extend to your partner, and children who are dependents. It pays out for medical emergency expenses; up to $400,000 for a public transport accident; up to $12,500 for trip cancellation and amendment; and up to 10,000 for lost or damaged baggage, money or documents. It also covers travel delay and a number of Covid-related emergencies.

  • High bonus points offer
  • High number of points offered for each $1 spent
  • Flight and lounge access
  • $375 annual fee
  • Lower credit limits available elsewhere
  • Higher number of bonus points available elsewhere

American Express Velocity Escape Card

  • $0 annual card fee

There is no annual fee attached to this card, and as you would expect from a no-frills option, the travel perks are also minimal.

However, requiring just a minimum balance of $2,000, it is available to a wider group of consumers than some of the competitors’ cards listed and is therefore ideal for those on a budget who still wish to accrue points.

It simply offers up to 1.75 points per $1 spent on eligible purchases with Virgin Australia, 0.75 points per $1 spent on most card purchases and 0.5 points per $1 for purchases made with a government body.

  • Minimum balance $2,000
  • No minimum income requirement stated
  • No travel insurance
  • No bonus points offer
  • No flight and lounge access

Virgin Australia Velocity Flyer Card

$64 for first year, $129 thereafter

Up until 31 January, new cardholders can earn 30,000 Velocity points if they spend more than $1,500 in the first month after signing-up. The same applies in the second month too, for a total potential 60,000 bonus points. For everyday spending the card offers up to 0.66 points per $1 on eligible transactions, up to a cap of $1,500 per month. Points per $1 fall to 0.5 thereafter. `

Each anniversary year you can also request an annual $129 Virgin Australia gift voucher which will be provided as a Virgin Australia Travel Bank credit. To be able to do so you must make a retail purchase in the two months prior to requesting your voucher. In exchange for the benefits on this card, there’s a relatively low annual fee to pay of $94 in the first year. This doubles to $129 thereafter, but is still lower than many of the annual fees charged by competitors.

  • Bonus points offer
  • Flight perk
  • No lounge access
  • Points capped

Westpac Altitude Black Credit Card With Velocity Points

Westpac Altitude Black Credit Card With Velocity Points

$295, plus an annual Altitude Velocity Rewards fee of $75

The Westpac Altitude Black Credit Card is an example of getting what you pay for. There’s an annual fee of $295 for the card, plus an annual Altitude Velocity Rewards fee of $75 which allows you to earn Velocity points. (The alternative would be to earn Qantas points). Both fees make the card the most expensive out of all those listed, however, the cost can be offset by the many benefits the card has to offer, especially if you’re an avid spender.

For instance, up until 30 April, new Westpac Altitude Black Credit Cardholders are rewarded with a competitive 90,000 bonus Velocity points if they spend $6,000 in the first 120 days of being accepted for the card. They are rewarded again if they stick with the card for a second year, earning 30,000 points after their first eligible second-year purchase.

Note that you won’t be eligible for these points if you’ve held an Altitude Platinum or Altitude Black card with Altitude Rewards, Qantas or Velocity in the past year. The bonus points come in addition to the 0.75 points per $1 which can be earned on eligible purchases with no points cap—a decent offer compared to the competition.

Cardholders can redeem their points for flights, upgrades, shopping and more, and additionally can take advantage of a number of perks. This includes travel insurance for interstate trips and up to six months’ cover for international getaways, two complimentary Economy X Seat Upgrade vouchers each year for domestic flights, and two complimentary single-entry Virgin Australia domestic lounge passes each year.

  • Super competitive bonus points offer
  • Travel insurance
  • Additional $75 annual Altitude Velocity Rewards fee
  • $75,000 minimum income requirement
  • Only one additional cardholder permitted

Westpac Altitude Platinum Credit Card with Velocity Points

$99 in the first year, and $175 thereafter

Up until 30 April, new Westpac Altitude Platinum Credit Cardholders can receive 70,000 Velocity points if they spend $4,000 on eligible purchases in the 90 days after card approval. However, everyday spend is less generously rewarded with 0.5 Velocity points per $1. This comes in exchange for an annual fee of $99 in the first year, and $175 thereafter (conditions apply). Those already with Westpac are offered a lower annual fee of $49 in the first year of holding the card.

The card offers up to six months’ complimentary cover for international travel, interstate flight inconvenience insurance and cover for rental vehicle excess in Australia, if you have used your card to pay for your trip. It also offers cover for injuries sustained as a passenger while travelling overseas. You’ll also get two complimentary Economy X seat upgrade vouchers to use on selected domestic Virgin Australia flights.

  • Flight perks
  • No lounge access perks
  • Only 0.5 points per $1 on eligible purchases
  • $75 annual Altitude Velocity Rewards program fee

We exclusively researched the nine Virgin Velocity credit cards available to Australians and did not analyse ‘flexible rewards credit cards’, which allow you to transfer points to Velocity as well as other airline programs.

Our analysis compared the cards across the following data points:

  • Bonus points
  • Points per spend
  • Currency conversion fee
  • Rewards points cap
  • Travel benefits
  • Lounge access
  • Interest rate
  • Minimum income requirement
  • Minimum credit card balance
  • Interest-free period
  • Number of additional cardholders permitted.

We viewed the interest rates on these cards as a minor factor when rating them as we assume that travellers are using the cards correctly for points accrual, and are paying the cards off in full each month (thereby negating the need to pay interest). But as a general rule, the cards listed charge 19.99% to 23.99% in interest.

About Star Rankings

You will note that we have included a star rating next to each product or provider. This rating was determined by the editorial team once all of the data points above were considered, and the pros and cons of each product attribute was reviewed. The star rating is solely the view of Forbes Advisor editorial staff. Commercial partners or advertisers have no bearing on the star rating or their inclusion on this list. Star ratings are only one factor to be considered, and Forbes Advisor encourages you to seek independent advice from an authorised financial adviser in relation to your own financial circumstances and investments before you decide to choose a particular financial product or service.

Virgin Velocity Frequent Flyer is Virgin Australia’s loyalty program that allows members to earn points on flights, holidays, everyday shopping, and if you have a credit card, eligible purchases you make when using it.

According to Virgin, it currently boasts almost 11.5 million members, who all can earn points via more than 300 brands, whether that be through transferring Flybuys points, shopping in the Velocity e-store or wine store or making purchases using a Virgin Velocity Frequent Flyer credit card. Points earned when using a credit card are loaded into the cardholder’s online Velocity account.

Currently members can redeem from 6,200 points for a flight. This can get them a one-way economy class seat from Sydney to the Gold Coast, for example. A trip from Sydney to Fiji requires 17,800 points. In both cases taxes, fees and carrier charges are payable on top of the points that must be redeemed.

In addition to flights, members can also use their points for hotel bookings, and retail purchases, but bear in mind that points expire after 24 months.

If you’re a business owner, you may want to consider the American Express Velocity Business Card . Benefits include:

  • 100,000 bonus points when you apply by 6 February, are approved and spend $3,000 on eligible purchases within two months of your approval date
  • 2 points per $1 spent on travel with Virgin Australia, 1 point per $1 spent on everyday spend, and 0.5 points per $1 spent on government spend
  • Two complimentary passes to the Virgin Australia lounge at selected domestic airports each membership year
  • Travel Insurance for you, your family and employees that are additional cardholders
  • Up to 99 employees as additional cardholders for the same fee as the primary card holder.

The card costs $249 a year and charges interest at 22.99% a year if you only pay minimum monthly repayments.

The Bank of Queensland also offers its Specialist Platinum Card and Specialist Signature Card to medical, dental or veterinary professionals or students, and qualified accountants. They can apply as either an individual or a sole trader.

Benefits of the Specialist Platinum Card include:

  • 0.5 Velocity points for every $1 spent on eligible purchases in Australia up to 5,000 points per month, and 0.25 points per $1 thereafter, 1 Frequent Flyer Point for every $1 spent on eligible international purchases
  • Complimentary travel insurance
  • Concierge provided by Visa

It costs $150 annually, requires a minimum balance of $6,000 and has an interest rate of 20.50% on purchases. Working cardholders must earn an income of at least $60,000 per annum. This requirement does not apply to students.

Working applicants for the Signature card must earn at least $120,000 per annum. Its benefits include:

  • 1 Velocity point per $1 spent on eligible transactions in Australia up to 10,000 points per month and 0.5 Points per $1 thereafter
  • Ability to earn points by using the card to purchase a car or equipment, or make repayments on select BOQ Specialist loans
  • Global airport lounge access with Priority Pass™ Standard Membership for the primary cardholder. The primary cardholder is entitled to four complimentary visits to Priority Pass lounges and may bring one guest per visit free of charge per year
  • Access to the Visa Luxury Hotel Collection.

This card costs $400 per year, requires a minimum balance of $15,000 and has an interest rate of 20.50% on purchases.

As when considering any type of credit card, remember to check the terms and conditions for any fees, charges and limits that may apply.

These can include:

  • Minimum credit limit
  • Minimum repayments
  • Interest on purchases
  • Interest on cash advances
  • Balance transfer interest rate
  • Late payment fee

Of course you’ll also want to check the benefits:

  • Points earned per dollar: While 1 point per $1 is decent, 1.25 points per $1 or more is ideal, but usually comes with a higher card annual fee
  • Promotional offers: These can greatly boost your points. The offer may be ongoing or limited to applicants who sign up before a certain date. Usually these dates are extended, which means it’s rare to sign up to a new card without some form of a bonus points offer—sometimes as high as 100,000, although conditions apply.
  • Perks: These can include access to particular lounges and seat upgrades, a specific number of times per year. Some credit cards offer travel insurance. As with any type of insurance, it’s best to read the small print for the exact cover included and any limitations. Conditions on cover may differ if you take a domestic or international trip too.
  • Additional cardholders: Often you can add one to nine additional cardholders, depending on the provider, which can allow you to accrue points even quicker as they use the card too. Depending on the provider, there may be a fee per cardholder. The American Express Velocity Business Card allows up to 100 staff members as cardholders, including the primary holder, but each must pay the annual fee.

Unlike credit cards, charge cards usually require the cardholder to pay the balance in full each month. They may also have no credit limit but monitor the cardholder’s financial behaviour to determine whether to approve purchases.

In comparison, credit cards allow the card holder to carry a balance over time, by paying a minimum monthly payment, though they’ll usually incur interest charges for this privilege. Credit cards especially suit those who want extra time to pay down their bills after making purchases. They usually offer a set number of days to pay off the monthly balance interest-free on purchases.

All the cards listed are credit cards, with the exception of the American Express Velocity Business Card which is technically a charge card. The credit cards each have an income requirement and a lower credit limit ranging from $2,000 to $15,000:

The American Express Velocity Business Card requires businesses to have a turnover of up to $2 million.

You can apply for any of the Virgin Velocity Frequent Flyer Credit Cards online .

Before applying, it’s best to look through the eligibility requirements. These will also state if a credit check is required for the provider to determine whether you will be able to afford repayments.

What credit cards are linked to the Virgin Velocity Frequent Flyer Scheme?

There are nine credit cards which offer Velocity points that are available. They each have their own eligibility criteria, as well as specific features to consider:

  • American Express Velocity Business Card
  • BOQ Specialist Platinum Card
  • BOQ Specialist Signature Card
  • Westpac Altitude Platinum Credit Card with Velocity Points.

What does 100,000 Velocity points get you?

Earning 100,000 Velocity points is considered a pinnacle to reach among the Velocity community, as you can redeem these points for a coveted reward.

This may be a one-way business flight . Those between 7,001 and 8,500 miles require 95,500 Velocity points. Shorter international flights require fewer points while domestic flights, such as from Sydney to Melbourne, or from Brisbane to Perth, require between 6,200 and 59,500 points.

You can use the Virgin Velocity mileage calculator to determine the number of miles you will fly and the points you will need to redeem. All flights come with a Reward seat which includes free seat selection, 23 kg in luggage and in-flight entertainment for your device.

Alternatively, you may want to use your points to book a hotel. Currently two nights at the 4-star Tanoa International Hotel in Fiji requires 93,600 points. If you haven’t quite accumulated enough points the Velocity Points + Pay system will allow you to make a part cash payment.

There are also other types of travel rewards for car hire and adventure experiences, for example. You can also redeem your points on everyday shopping.

How many points do I need for Virgin Australia Lounge access?

Certain credit cards offer complimentary access to the Virgin Australia Lounge at selected domestic airports twice a year.

As a Virgin Velocity Frequent Flyer member, you must follow the steps to ‘Join Virgin Australia Lounge’ for complimentary access subject to the terms and conditions. Usually, the annual membership lounge fee is $399, or you can pay $65 to enter on the day you depart, from the lounge reception.

I have been writing for newspapers, magazines and online publications for over 10 years. My passion is providing, in a way that is easily accessible and digestible to all, the knowledge needed for readers to not only manage their finances, but financially flourish.

Westpac logo

Westpac Travel insurance customer reviews

Overall rating, recent westpac travel insurance customer reviews.

Thumbnail icon for Westpac

Westpac Travel Insurance

Good banking experience overall.

Easy website quoting and policy access, competitive pricing.

Easy and convenient.

I fell & snapped a small bone in my ankle. My insurance, via my credit card, paid for my return to Australia in business class. It was all done very efficiently & we have always used that form of insurance since.

Free with trip purchased on credit card

Difficult to find out cover information.

They were fantastic.

Very fast and great customer service

I like this insurer because it will help me if any accidents happen to me during my travel.

Yeah amazing

So yeah a trip to Fiji was amazing and thanks to westpac

Competitive premiums and great customer service

They did not answer all my question, they were unprofessional will not deal with them again.

It was easy to do

Good price and covers all sports.

Great custoner service

They answer all the insurance if the insurer is in trouble.

Service was great and fees competitive

Helpful, courteous and local.

Claim easy and they paid up. Very efficient.

Free with card

i like westpac as they have always helped me out in the past

Westpac Travel Insurance made travelling a breeze

Having the weight of Westpac behind my travel insurance meant I could travel without the worry of becoming ill, losing my luggage or any other horror stories you hear! Knowing I was taken care of meant I could relax and enjoy every wondrous part of my travels through Vietnam. The premium was real value for my money. I totally trust and have full confidence in Westpac Travel Insurance, and do not hesitate to say 'give them a go' - you will be well pleased you did!

It was reasonable and reliable.

Tops in every way

I like this company because it gives me peace of mind when I'm travelling in knowing that if anything should happen while I was traveling that my insurer has it covered. The the last thing on their mind while enjoying traveling is their travel insurance.

About Mozo community reviews

Mozo gives you the inside story on the best banking, energy and insurance products as rated by thousands of real customers around Australia. We don't make subjective judgments, nor do advertisers influence our ratings. Although our reviews may be moderated to improve quality standards, they are moderated independently of any of Mozo’s commercial relationships.

westpac rewards travel insurance

Who we are and how we get paid

Our goal at Mozo is to help you make smart financial decisions and our award-winning comparison tools and services are provided free of charge. As a marketplace business, we do earn money from advertising and this page features products with Go To Site links and/or other paid links where the provider pays us a fee if you go to their site from ours, or you take out a product with them. You do not pay any extra for using our service.

We are proud of the tools and information we provide and unlike some other comparison sites, we also include the option to search all the products in our database, regardless of whether we have a commercial relationship with the providers of those products or not.

'Sponsored', 'Hot deal' and 'Featured Product' labels denote products where the provider has paid to advertise more prominently.

'Mozo sort order' refers to the initial sort order and is not intended in any way to imply that particular products are better than others. You can easily change the sort order of the products displayed on the page.

Important information on terms, conditions and sub-limits

Terms, conditions, exclusions, limits and sub-limits may apply to any of the insurance products shown on the Mozo website. These terms, conditions, exclusions, limits and sub-limits could affect the level of benefits and cover available under any of the insurance products shown on the Mozo website. Please refer to the relevant Product Disclosure Statement and the Target Market Determination on the provider's website for further information before making any decisions about an insurance product.

  • Find a Cruise
  • Cruise Tips
  • Australia & New Zealand Cruisers

Cruising. Westpac and ANZ complimentary Travel Insurance

By sanne , July 19, 2023 in Australia & New Zealand Cruisers

Recommended Posts

Cool Cruiser

I’ve searched the T&C PDFs of both Westpac and ANZ Credit card Complimentary Travel Insurance and can’t find any mention of cover for cruises and medical evacuation from a cruise ship. Maybe someone can point me in the right direction.   

And from what I read, the cancellation of a trip is capped at $20,000 for ANZ and in unlimited for Westpac. Maybe someone is able to confirm that.

Thanks for your help. 

Link to comment

Share on other sites.

cheznandy

I can only guide you re ANZ Complimentary Insurance.

The Booklet I refer to covers these cards

ELIGIBLE CARDS: The complimentary insurance outlined in this booklet is available to the eligible beneficiaries of the following credit cards: • ANZ Frequent Flyer Platinum • ANZ Frequent Flyer Black • ANZ Rewards Platinum • ANZ Rewards Travel Adventures • ANZ Rewards Black • ANZ Platinum

Do you have one of these cards? If so, page 14 defines Overseas as

"outside of Australia and its territories, and includes when you are aboard a foreign registered cruise vessel in Australian territorial waters"

Therefore further down on whats covered, page 21

Overseas Emergency, medical and evacuation are unlimited.

And yes, cancellation is capped at $20,000 so you need to work out if that is good for your situation.

For us, our cruise holidays are never more than that.

Like

31 minutes ago, sanne said: I’ve searched the T&C PDFs of both Westpac and ANZ Credit card Complimentary Travel Insurance and can’t find any mention of cover for cruises and medical evacuation from a cruise ship. Maybe someone can point me in the right direction.    And from what I read, the cancellation of a trip is capped at $20,000 for ANZ and in unlimited for Westpac. Maybe someone is able to confirm that.   Thanks for your help. 

Further to cheznandy The Westpac has a similar cluase under their Definitions see below

Definitions There are some words in this booklet that have a special meaning. These words and their meanings are set out in the table below and are highlighted in italics throughout the booklet. Headings have been included for ease of reference but do not form part of the terms and conditions of the cover available Word Meaning

Overseas     

outside of Australia and its territories, and includes when you are aboard a foreign registered cruise vessel in Australian territorial waters.

So you are covered as I see it for Unlimited Overseas Emergency, medical and evacuation 

as cheznandy said above.

BUT as always don't assume we are right, contact your bank and make sure your are covered.

And that there are not small riders or conditions we missed in our readings of the T&Cs and PDS

5 minutes ago, Ozwoody said: Hi Sanne   Further to cheznandy The Westpac has a similar cluase under their Definitions see below   Definitions There are some words in this booklet that have a special meaning. These words and their meanings are set out in the table below and are highlighted in italics throughout the booklet. Headings have been included for ease of reference but do not form part of the terms and conditions of the cover available Word Meaning   Overseas      outside of Australia and its territories, and includes when you are aboard a foreign registered cruise vessel in Australian territorial waters.   So you are covered as I see it for Unlimited Overseas Emergency, medical and evacuation  as cheznandy said above.   BUT as always don't assume we are right, contact your bank and make sure your are covered. And that there are not small riders or conditions we missed in our readings of the T&Cs and PDS      

Great advice John, I have called often over the years we have been using this insurance to clarify any changes in wording, they have always been great to talk to over the phone.

2022cruisey

The ANZ FF Black definitely covers cruising.  They will also email you with a certificate that you can show if you are going to New Caledonia.

Thank you very much  cheznandy, 2022cruisey, and Ozwoody for your excellent reply to my queries. Very kind of you all to post the relevant paragraphs. Much appreciated. 

We use the ANZ card cover for cruising. There is a handy webpage to 'check your cover ' (underwritten by Allianz) where you enter your type of card, destination (I always select worldwide) and dates of trip. They then send you a certificate via email which shows the cruise and covid cover on page 2.  This is what we show when boarding a cruise to New Caledonia where this cover is required.

Similar to answer above, we never require more than $20000 cancellation cover.

LittleFish1976

Prior to covid I used ANZ card insurance for a cruise. I was very concerned about making sure I would be covered for a cruise by them, and more importantly for any medical evacuation from the ship. I emailed them and asked them if they could confirm those things. The email they sent me was comforting as they clearly stated that yes, I was covered for those specific eventualities. I felt happy having it in writing from them and particular to my situation. They can also send you the master policy number for complimentary insurances in case you need to present it as proof of insurance anywhere.

  • 2 weeks later...

Mareblu

Only last week I applied for and received free travel insurance through our Westpac mastercard, for next year's trip, which includes two cruises (Oceania and Cunard).  I completely missed reading the last section of the Letter of Eligibility we received, and being concerned about cover for the cruises, I rang the helpline.  A patient and efficient person confirmed we are automatically covered for cruises, and directed me to, "Eligibility for Cover while Cruising and for Epidemic/Pandemic (such as COVID-19) Cover".  

Hope this answers your question, as it did mine  🙂

11 hours ago, Mareblu said: Only last week I applied for and received free travel insurance through our Westpac mastercard, for next year's trip, which includes two cruises (Oceania and Cunard).  I completely missed reading the last section of the Letter of Eligibility we received, and being concerned about cover for the cruises, I rang the helpline.  A patient and efficient person confirmed we are automatically covered for cruises, and directed me to, "Eligibility for Cover while Cruising and for Epidemic/Pandemic (such as COVID-19) Cover".   Hope this answers your question, as it did mine  🙂

I wish the Westpac card (underwritten by Allianz) covered my pre existing medical condition.

7 hours ago, cruisine21 said: I wish the Westpac card (underwritten by Allianz) covered my pre existing medical condition.

Yep! Me too!

I agree that pre-existing conditions are a real problem, and probably why more people don't travel.

Really like that people are ringing there Credit Card Insurer to clarify cover, and reporting back here.

Gives us some confidence that we are covered, not just thinking we might be.

Thanks guys for your posts.

NSWP

4 hours ago, Mareblu said: I agree that pre-existing conditions are a real problem, and probably why more people don't travel.

Agree with that comment, Linda.

Re the Westpac CC insurance. My son has this card and asked me if his fiancé who lives  with him at the same address is considered his ‘spouse’ in the T&C. I will give them a call but first of all I’d ask since there are some very knowledgeable and helpful people here. 

1 hour ago, sanne said: Re the Westpac CC insurance. My son has this card and asked me if his fiancé who lives  with him at the same address is considered his ‘spouse’ in the T&C. I will give them a call but first of all I’d ask since there are some very knowledgeable and helpful people here. 

If they live together and are in a relationship then the law views them as being in a de facto relationship which is as good as married in the eyes of the law so I should think the answer is 'yes'. Do the T&Cs mention 'de facto spouse'?

Thank you LittleFish1976. I have just received this from Westpac ( Allianz). I’ve posted it to be helpful to others.

Please be advised that according to Policy information booklet (on page 18), Definition of   Spouse:

“ the partner of the cardholder who is in a permanent relationship with the cardholder at the time the journey or trip starts.”

According to above information if you are in permanent relationship however not married, you will be considered as partners  under this definition

Should you require any further assistance, please do not hesitate to contact us on the number below.

17 minutes ago, sanne said: Thank you LittleFish1976. I have just received this from Westpac ( Allianz). I’ve posted it to be helpful to others.     Please be advised that according to Policy information booklet (on page 18), Definition of   Spouse:   “ the partner of the cardholder who is in a permanent relationship with the cardholder at the time the journey or trip starts.”   According to above information if you are in permanent relationship however not married, you will be considered as partners  under this definition   Should you require any further assistance, please do not hesitate to contact us on the number below.  

You're welcome sanne. Glad you had confirmation that works out well for your family.

  • 4 months later...
On 7/28/2023 at 3:52 PM, Mareblu said: Only last week I applied for and received free travel insurance through our Westpac mastercard, for next year's trip, which includes two cruises (Oceania and Cunard).  I completely missed reading the last section of the Letter of Eligibility we received, and being concerned about cover for the cruises, I rang the helpline.  A patient and efficient person confirmed we are automatically covered for cruises, and directed me to, "Eligibility for Cover while Cruising and for Epidemic/Pandemic (such as COVID-19) Cover".   Hope this answers your question, as it did mine  🙂

Hi, I'm just sorting my insurance now for a January cruise and have Westpac Platinum card. Was this sentence "Eligibility for Cover while Cruising and for Epidemic/Pandemic (such as COVID-19) Cover"  specifically stated in the letter you received or in the policy document?

Many thanks

Hi phoenixx,

On Page 3 of Letter of Eligibility:

"Under this group policy, the eligible traveller/s listed  below have access to International Travel Insurance which includes epidemic/pandemic (such as COVID-19) coverage and cover while cruising including while aboard a foreign registered cruise vessel in Australian territorial waters.  Cover is outlined in the sections below, subject to the terms, conditions, exclusions, limits and applicable sub-limits outlined in the Policy Information Booklet."

The PI Booklet is viewable online as part of the complete information forwarded by Westpac, and a scan through reveals the normal travel insurance inclusions and exclusions.  Allianz is the underwriter.

Hope this helps.

2 hours ago, Mareblu said: Hi phoenixx, On Page 3 of Letter of Eligibility:   "Under this group policy, the eligible traveller/s listed  below have access to International Travel Insurance which includes epidemic/pandemic (such as COVID-19) coverage and cover while cruising including while aboard a foreign registered cruise vessel in Australian territorial waters.  Cover is outlined in the sections below, subject to the terms, conditions, exclusions, limits and applicable sub-limits outlined in the Policy Information Booklet."   The PI Booklet is viewable online as part of the complete information forwarded by Westpac, and a scan through reveals the normal travel insurance inclusions and exclusions.  Allianz is the underwriter. Hope this helps.  

I'm in NZ and policy is with AIG. I've just spoken to them and there is no Covid cover! How stupid is that, if Westpac Australia cover Covid but NZ does not, what's the difference? (Rhetorical question but really, that's seems unfair). It also does not cover when in NZ waters, which I see yours does.

MicCanberra

MicCanberra

Be very wary of CC insurance as it can be very tricky, some have a minimal spend on each item of travel I.e. $250 on flights, another on hotel, another on the cruise  not just on the whole trip.

56 minutes ago, MicCanberra said: Be very wary of CC insurance as it can be very tricky, some have a minimal spend on each item of travel I.e. $250 on flights, another on hotel, another on the cruise  not just on the whole trip.

Thanks, Mic, but we checked that point, and we are clear.  W’s is cumulative.

1 hour ago, phoenixx said: I'm in NZ and policy is with AIG. I've just spoken to them and there is no Covid cover! How stupid is that, if Westpac Australia cover Covid but NZ does not, what's the difference? (Rhetorical question but really, that's seems unfair). It also does not cover when in NZ waters, which I see yours does.

Gosh, that’s very one-sided.

Newbie here….I have ANZ card with complimentary travel insurance.  I know that Covid is covered.   

Wondering if you get confined in your room on a cruise for say 5 days, anyone knows whether there is any compensation from ANZ Allianz travel insurance?  

Please sign in to comment

You will be able to leave a comment after signing in

  • Welcome to Cruise Critic
  • Q&A with InsureMyTrip - January 2024
  • New Cruisers
  • Cruise Lines “A – O”
  • Cruise Lines “P – Z”
  • River Cruising
  • Digital Photography & Cruise Technology
  • Special Interest Cruising
  • Cruise Discussion Topics
  • UK Cruising
  • Canadian Cruisers
  • North American Homeports
  • Ports of Call
  • Cruise Conversations

Announcements

  • ALERT: Update Your Email Address functionality is BACK!

Features & News

LauraS

LauraS · Started 1 hour ago

LauraS · Started Tuesday at 06:32 AM

LauraS · Started Monday at 07:51 PM

LauraS · Started Monday at 07:28 PM

LauraS · Started Monday at 05:31 PM

IMG_0560.jpeg

  • Existing user? Sign In
  • Find Your Roll Call
  • Meet & Mingle
  • Community Help Center
  • All Activity
  • Member Photo Albums
  • Meet & Mingle Photos
  • Favorite Cruise Memories
  • Cruise Food Photos
  • Cruise Ship Photos
  • Ports of Call Photos
  • Towel Animal Photos
  • Amazing, Funny & Totally Awesome Cruise Photos
  • Write a Review
  • Live Cruise Reports
  • Member Cruise Reviews
  • Create New...

U.S. News takes an unbiased approach to our recommendations. When you use our links to buy products, we may earn a commission but that in no way affects our editorial independence.

The Best Travel Medical Insurance of 2024

westpac rewards travel insurance

Allianz Travel Insurance »

westpac rewards travel insurance

Seven Corners »

westpac rewards travel insurance

GeoBlue »

westpac rewards travel insurance

WorldTrips »

Why Trust Us

U.S. News evaluates ratings, data and scores of more than 50 travel insurance companies from comparison websites like TravelInsurance.com, Squaremouth and InsureMyTrip, plus renowned credit rating agency AM Best, in addition to reviews and recommendations from top travel industry sources and consumers to determine the Best Travel Medical Insurance Plans.

Table of Contents

  • Allianz Travel Insurance
  • Seven Corners

Buying travel insurance is a smart move for any type of trip, but you may not need a policy that covers everything under the sun. If you don't need coverage for trip cancellations or delays because you're relying on your travel credit card to offer these protections, for example, you may find you only need emergency medical coverage that works away from home.

Still, travel medical coverage varies widely based on included benefits, policy limits and more. If you're comparing travel insurance plans and hoping to find the best option for unexpected medical expenses, read on to learn which policies we recommend.

Frequently Asked Questions

The term travel insurance usually describes a comprehensive travel insurance policy that includes coverage for medical expenses as well as trip cancellations and interruptions, trip delays, lost baggage, and more. Meanwhile, travel medical insurance is coverage that focuses on paying for emergency medical expenses and other related care.

Travelers need international health insurance if they're visiting a place where their own health coverage will not apply. This typically includes all international trips away from home since U.S. health plans limit coverage to care required in the United States.

Note that if you don't have travel health insurance and you become sick or injured abroad, you'll be responsible for paying back any health care costs you incur.

Many travel insurance policies cover emergency medical expenses you incur during a covered trip. However, the included benefits of each policy can vary widely, and so can the policy limits that apply.

If you're looking for a travel insurance policy that offers sufficient protection for unexpected medical expenses, you'll typically want to choose a plan with at least $100,000 in coverage for emergency medical care and at least that much in protection for emergency medical evacuation and transportation.

However, higher limits can provide even more protection from overseas medical bills, which can become pricey depending on the type of care you need. As just one example, Allianz says the average cost of emergency medical evacuation can easily reach up to $200,000 or more depending on where you’re traveling.

Your U.S. health insurance policy almost never covers medical expenses incurred abroad. The same is true for most people on Medicare and especially Medicaid. If you want to ensure you have travel medical coverage that applies overseas, you should purchase a travel insurance plan with adequate limits for every trip. Read the U.S. News article on this topic for more information.

The cost of travel medical insurance can vary depending on the age of the travelers, the type of coverage purchased, the length of the trip and other factors. You can use a comparison site like TravelInsurance.com to explore different travel medical insurance plans and their cost.

  • Allianz Travel Insurance: Best Overall
  • Seven Corners: Best for Families
  • GeoBlue: Best for Expats
  • WorldTrips: Best Cost

Coverage for preexisting conditions is available as an add-on

Easy to purchase as needed for individual trips

Relatively low limits for medical expenses

No coverage for trip cancellations or trip interruption

  • Up to $50,000 in emergency medical coverage
  • Up to $250,000 in emergency medical evacuation coverage
  • Up to $2,000 in coverage for baggage loss and damage
  • Up to $600 in baggage delay insurance
  • Up to $1,000 for travel delays
  • Up to $10,000 in travel accident insurance
  • 24-hour hotline assistance
  • Concierge services

Purchase comprehensive medical coverage worth up to $5 million

Coverage for families with up to 10 people

Low coverage amounts for trip interruption

Medical coverage options vary by age

  • Up to $5 million in comprehensive medical coverage
  • Up to $500,000 in emergency evacuation coverage
  • Up to $10,000 in coverage for incidental trips to home country
  • Up to $25,000 in coverage for terrorist activity
  • Up to $500 in accidental dental emergency coverage
  • Up to $100 per occurrence in coverage for emergency eye exams
  • $50,000 in coverage for local burial or cremation
  • 24/7 travel assistance
  • Up to $25,000 in coverage for accidental death and dismemberment per traveler
  • Up to $500 for loss of checked baggage
  • Up to $5,000 for trip interruptions
  • Up to $100 per day for trip delays
  • Up to $50,000 for personal liability

Qualify for international health insurance with no annual or lifetime caps

Use coverage within the U.S. with select providers

Deductible from $500 to $10,000 can apply

Doesn't come with any nonmedical travel insurance benefits

  • Up to $250,000 in coverage for emergency medical evacuation
  • Up to $25,000 for repatriation of mortal remains
  • $50,000 in coverage for accidental death and dismemberment

High limits for medical insurance and emergency medical evacuation

Covers multiple trips over a period of up to 364 days

Deductible of $250 required for each covered trip

Copays required for medical care received in the U.S.

  • Up to $1,000,000 of maximum coverage
  • Up to $1,000,000 for emergency medical evacuation
  • Up to $10,000 for trip interruptions
  • Up to $1,000 for lost checked luggage
  • Up to $100 per day for travel delays
  • Up to $25,000 in personal liability coverage
  • Medical coverage for eligible expenses related to COVID-19
  • Ability to add coverage for your spouse and/or child(ren)
  • Repatriation of remains coverage up to overall limit
  • Up to $5,000 for local burial or cremation 
  • $10,000 to $50,000 for common carrier accidental death

Why Trust U.S. News Travel

Holly Johnson is an award-winning content creator who has been writing about travel insurance and travel for more than a decade. She has researched travel insurance options for her own vacations and family trips to more than 50 countries around the world and has experience navigating the claims and reimbursement process. In fact, she has successfully filed several travel insurance claims for trip delays and trip cancellations over the years. Johnson also works alongside her husband, Greg, who has been licensed to sell travel insurance in 50 states, in their family media business.

You might also be interested in:

westpac rewards travel insurance

12 Best Travel Insurance Companies of January 2024

Holly Johnson

Find the best travel insurance for you with these U.S. News ratings, which factor in expert and consumer recommendations.

westpac rewards travel insurance

9 Cheapest Travel Insurance Companies Worth the Cost

U.S. News rates the cheapest travel insurance options, considering pricing data, expert recommendations and consumer reviews.

westpac rewards travel insurance

How to Get Airport Wheelchair Assistance (+ What to Tip)

Suzanne Mason and Rachael Hood

From planning to arrival, get helpful tips to make the journey easier.

westpac rewards travel insurance

Is Travel Insurance Worth It? Yes, in These 3 Scenarios

These are the scenarios when travel insurance makes most sense.

  • Lost or stolen cards
  • Online Banking – Personal
  • Online Banking – Business
  • Corporate Online
  • Westpac Share Trading
  • View all online services
  • Credit cards
  • Managing your credit card

Travelling overseas

westpac rewards travel insurance

Complimentary insurances

A summary of complimentary insurance covers 4  available on selected personal credit cards.

Find out more

Travelling overseas checklist

There are a million things to do and departure day is fast approaching. What you need is a travel checklist to ensure those crucial financial bases are covered, just in case.

Using a credit card overseas

Credit cards are widely accepted in most countries so you don’t need to carry as much cash. You also have the added reassurance that if your card is lost or stolen while away, we'll get a replacement card couriered to you and even provide emergency cash if required.

Getting help overseas

If you need to contact us while you’re overseas, you can contact us at any time on the numbers below.

24/7 access

Work the way you want with these convenient ways to access your accounts.

Things you should know

4. Complimentary insurance covers:  AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631, trading as Allianz Global Assistance (AGA), under a binder from the insurer, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 (Allianz), has issued an insurance group policy to Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714 (Westpac) which allows eligible persons to claim under it as third party beneficiaries. Access to the benefit of cover under the Credit Card Complimentary Insurance is provided to eligible Westpac cardholders by operation of s48 of the Insurance Contracts Act 1984 (Cth). If an eligible persons wishes to claim any of these benefits, they will be bound by the eligibility criteria, terms, conditions, limits and exclusions contained in the Complimentary Insurance Policy Information booklet (PDF 898KB)  which may be amended from time to time. This insurance is underwritten by Allianz. Westpac does not guarantee this insurance. This information does not take your personal objectives, circumstances or needs into account. Consider its appropriateness to these factors before acting on it.

IMAGES

  1. The Ultimate Guide to Westpac Altitude Rewards

    westpac rewards travel insurance

  2. Travel Insurance

    westpac rewards travel insurance

  3. Westpac Platinum credit card travel insurance reviewed

    westpac rewards travel insurance

  4. Westpac Airpoints Platinum Mastercard: 300 Airpoints, Travel Insurance

    westpac rewards travel insurance

  5. Westpac Altitude Rewards Black Guide

    westpac rewards travel insurance

  6. Westpac Altitude Qantas Platinum Card

    westpac rewards travel insurance

COMMENTS

  1. Credit Card Complimentary Insurance Cover

    International travel insurance claims can be lodged online 24 hours a day, 7 days a week. Alternatively, you can contact them on 1800 091 710. The information below is a summary only of the complimentary insurance covers we have available to Westpac cardholders on selected personal credit cards.

  2. Travel Insurance

    Some Westpac and other credit cards come with complimentary travel insurance. If you have a credit card, check whether it includes travel insurance that suits your needs, and how to activate it, if it is included. Read about complimentary insurance available to Westpac cardholders Explore the Travel Insurance features

  3. Altitude Rewards

    Altitude Black Earn up to 6 points per dollar spent with the Altitude Rewards Black card << Altitude Rewards is Westpac's points program. Choose Platinum or Black for uncapped earn, bonus points, complimentary insurances and more.

  4. Westpac credit card complimentary travel insurance

    David Gregory Updated Jan 20, 2023 Fact checked Westpac offers complimentary travel insurance on its platinum and black credit cards, with policies that cover domestic and international trips. Some Westpac cards also offer complimentary insurance for eligible items you buy.

  5. Westpac Complimentary Credit Card Insurance and COVID-19 (Coronavirus) FAQ

    Travel Westpac Complimentary Credit Card Insurance and COVID-19 (Coronavirus) FAQ Information for Westpac Eligible Cardholders regarding COVID-19 Information on this page is correct as of 30 June 2022.

  6. Westpac Platinum credit card travel insurance reviewed

    In order for the insurance cover to be activated, 100% of the cost of your return international travel ticket must be purchased on the Westpac Platinum credit card (or paid for with Westpac reward points). Good or bad? Bad -- this counts out paying a cash deposit or paying for an airline ticket by BPAY.

  7. Westpac complimentary credit card travel insurance. How does it ...

    What is complimentary travel insurance with Westpac credit cards If you have a Westpac credit card you may be entitled to access complimentary insurance, including international travel insurance, rental vehicle excess insurance and interstate flight inconvenience insurance.²

  8. Westpac Gold Credit Card Travel Insurance reviewed

    In order for the insurance cover to be activated, 100% of the cost of your return international travel ticket must be purchased on the Westpac Gold credit card (or paid for with Westpac reward points). Good or bad? Bad -- this counts out paying a cash deposit or paying for an airline ticket by BPAY.

  9. Review: Westpac Altitude Platinum Mastercard credit card

    Annual fee (Altitude Rewards): $99 first year card fee, $150 thereafter Base annual fee (Altitude Qantas): $99 first year card fee, $150 thereafter Qantas Rewards fee: $50/year (charged only with Altitude Qantas) Additional cardholder fee: $0 Interest rate on purchases: 19.99% p.a. Interest-free days on purchases^: Up to 45

  10. Westpac Altitude Rewards Program: How to earn & redeem points

    This black rewards credit card is packed with perks including uncapped points per $1 spent, airport lounge passes, complimentary travel insurance and up to 150,000 bonus points offer. Westpac ...

  11. PDF Westpac Credit Cards Complimentary Insurance

    Westpac Credit Cards Complimentary Insurance Westpac Credit Cards Complimentary Insurance Policy information booklet. Effective date: 23 February 2023 The Insurer is: Allianz Australia Insurance Limited ABN 15 000 122 850, AFSL 234708, Level 16, 10 Carrington Street, Sydney, NSW 2000. Phone:13 10 00 The Group policy is issued and managed by:

  12. Credit Card Travel Insurance & COVID: January 2024 Update

    first year. save card. Earn 60,000 when you spend $3,000 within the first 3 months, plus 20,000 when you haven't earned Qantas Points with a credit card in the last 12 months. 0% p.a. on balance transfers for 12 months. Discounted annual fee for the first year. When you spend $3,000 within the first 3 months. $450 Annual Qantas Travel Credit.

  13. Westpac Altitude Rewards Platinum Credit Card

    What we'll be covering. Westpac is offering up to 120,000 Altitude Rewards Points plus a reduced card fee of $49 (reverts to $175 p.a.) in the first year for new cardholders of the Westpac Altitude Rewards Platinum Card until 30 April 2024. The Altitude Platinum is the mid-range card within the Altitude range with an ongoing card fee of $175 p ...

  14. Westpac, Banking partner

    70,000 bonus Velocity Points1 Earn up to 0.5 Velocity Points per $1 spent on eligible purchases5, uncapped2. Two complimentary Economy X Seat Upgrade vouchers each year (eligible for domestic flights only)7

  15. Westpac Travel Insurance reviews

    40% · 4 6 · 60% Write a review Details Q&A (14) Compare Claim Resolution Time 2-4 weeks (1) Claim Approved Yes (1) · No (1) Value for Money 2.0 (4) Transparency 2.3 (3) Customer Service 2.3 (4) See the Best Travel Insurance in 2024 as rated by Australians on ProductReview.com.au. Westpac Travel Insurance 10 Customer Service Insurance Cover For

  16. Westpac Altitude Rewards

    Complimentary insurance covers for overseas travel, extended warranty, purchase security transit accidents are subject to the terms and conditions set out in the Westpac Credit Cards Complimentary Insurance Policy. Personal Concierge Service

  17. Review: Westpac Altitude Black Mastercard credit card (Altitude Rewards)

    Altitude Rewards Sign Up Bonus 140,000 bonus Altitude Points (= 46,667 points in Velocity, KrisFlyer, Enrich or Asia Miles) Annual Fee $250 (+$50/yr with Qantas Rewards) Interest Rate 19.99% p.a. on purchases 21.49% p.a. on cash Apply now Notes The Good Convert the Altitude Points you earn into frequent flyer points.

  18. John Hancock Insurance Agency Travel Insurance Review 2024

    The John Hancock Silver travel insurance plan scores 3 out of 5 stars in our review of the best travel insurance companies . Emergency medical evacuation: $500,000. Emergency medical: $100,000 ...

  19. Travel rewards credit card benefits

    1. Redeem points for flights, upgrades, hotel bookings and more Rewards cardholders can put points towards things like flights, flight upgrades, hotels and car rental as well as a whole range of other shopping and lifestyle rewards that could help to make your trip better. 2. Enjoy extra travel benefits

  20. Our Pick Of The Best Virgin Velocity Credit Cards For ...

    23.99% p.a. The 'Plan It Instalments' option allows cardholders to pay off their credit card balance in equal monthly instalments, with 0% p.a. interest and a fixed monthly fee. Up to 55 days ...

  21. Westpac Travel insurance customer reviews for 2023

    Service was great and fees competitive. Helpful, courteous and local. Read full review. Value for money. Trust. Less. Lyn, Western Australia, reviewed almost 9 years ago. Westpac Travel Insurance. Claim easy and they paid up.

  22. Altitude Rewards Black credit card

    Get up to 150,000 bonus Altitude Rewards Points^ — 100,000 Rewards Points in year 1 if you spend $6k+ on eligible purchases † within 120 days of new card approval and an extra 50,000 points after your first eligible purchase in year 2.

  23. Cruising. Westpac and ANZ complimentary Travel Insurance

    I've searched the T&C PDFs of both Westpac and ANZ Credit card Complimentary Travel Insurance and can't find any mention of cover for cruises and medical evacuation from a cruise ship. Maybe someone can point me in the right direction. And from what I read, the cancellation of a trip is capped at $20,000 for ANZ and in unlimited for Westpac.

  24. Best Travel Medical Insurance of 2024

    Covered benefits you should know about include: Up to $1,000,000 of maximum coverage. Up to $1,000,000 for emergency medical evacuation. Up to $10,000 for trip interruptions. Up to $1,000 for lost ...

  25. Review: Westpac Altitude Qantas Black Mastercard credit card

    Annual Fee $250 (+$50/yr Qantas Rewards fee) Interest Rate 19.99% p.a. on purchases 21.49% p.a. on cash Apply now Notes The Good Every year, get two free airport lounge visits The Bad Extra $50/yr fee to earn Qantas Rewards Added Value Bonus offer of up to 120,000 Qantas Points for eligible new customers Rating Fees and interest Points earned

  26. Travelling overseas

    Travelling overseas | Westpac Personal Credit cards Managing your credit card Travelling overseas Travelling overseas Complimentary insurances A summary of complimentary insurance covers 4 available on selected personal credit cards. Find out more Travelling overseas checklist There are a million things to do and departure day is fast approaching.