Are you covered for Coronavirus under your credit card travel insurance?

Packed luggage on a bed with a passport, COVID-19 mask and credit card with travel insurance.

Now that the early-pandemic days of clearing supermarket shelves and hoarding toilet paper are behind us, and many countries are opening their borders and relaxing travel restrictions, you might be wondering if your credit card travel insurance policy will cover the spicy cough on your upcoming overseas trip. 

Unfortunately, as we’ve come to expect over the past couple of years, there are no blanket rules when it comes to Covid coverage, and each credit card travel insurance provider seems to have its own way of treating the matter. 

Some credit card travel insurance providers will cover COVID-19 to some extent, while others will flat out exclude cover related to any losses connected with epidemics or pandemics.

So, if you’re heading overseas and plan on relying upon your bundled credit card travel insurance policy, you’ll want to know exactly where you stand regarding Covid cover. 

The best place to start is by looking through the product disclosure statement (PDS) that comes with your policy with a fine-tooth comb. 

Two of the more important Covid-related travel insurance benefits you should be looking into are medical and cancellation cover. But to make things easier, we’ve put together a breakdown of some providers and how they treat Coronavirus under their credit card travel insurance policies. 

But before we get into the overview, there are a couple of important things to note:

Activate your bundled credit card travel insurance before you go

Generally you’ll have to activate your credit card travel insurance when heading overseas. If you don’t make sure to check if it’s active, then you might not be covered on your overseas trip for anything that happens outside the period of insurance.

Eligibility requirements for credit card travel insurance

To be eligible for your bundled credit card travel insurance, you might have to spend a certain amount on your card, or even make eligible purchases, which will be outlined in further detail on the various providers’ websites.  

Always read the PDS that comes with your credit card travel insurance policy

By reading the PDS, you’ll be able to understand the limitations of Covid-related cover on your credit card travel insurance policy, including under what circumstances your provider will or will not cover pandemics.

ANZ credit card travel insurance

Underwritten by: Allianz Global Assistance 

ANZ credit cards that offer complimentary travel insurance include:

  • ANZ Frequent Flyer Platinum
  • ANZ Frequent Flyer Black
  • ANZ Rewards Platinum
  • ANZ Rewards Black
  • ANZ Rewards Travel Adventures
  • ANZ Platinum

Does ANZ credit card travel insurance cover Coronavirus? 

If you are positively diagnosed as suffering a sickness recognised as an epidemic or pandemic, such as COVID-19, cover is available for:

  • Overseas medical assistance
  • Overseas emergency medical
  • Evacuation and repatriation
  • Cancellation
    Additional expenses 

For more information call Allianz Global Assistance on: 1300 135 271

Commonwealth Bank credit card travel insurance

Underwritten by: Zurich Australian Insurance through Cover-More 

CommBank credit cards that offer complimentary travel insurance:

  • CommBank Low Fee Gold Credit Card 
  • CommBank Low Rate Gold Credit Card 
  • CommBank Platinum Awards Credit Card
  • CommBank Diamond Awards Credit Card 
  • World Debit Mastercard

Does Commonwealth Bank credit card travel insurance cover Coronavirus? 

Commonwealth Bank credit card travel insurance does not cover claims caused by, or claims arising from, an epidemic, pandemic or outbreak of a contagious disease or any derivative or mutation of such viruses.

For more information call Cover-More on: 1300 467 951

NAB credit card travel insurance

Underwritten by: Allianz Global Assistance 

NAB credit cards that offer complimentary travel insurance:

  • NAB Premium Credit Card
  • NAB Platinum Credit Card
  • NAB Signature Credit Card
  • NAB Platinum Visa Debit Card

Does NAB credit card travel insurance cover Coronavirus?

From 30 June 2022, NAB credit card travel insurance may provide limited cover for COVID-19 related events, such as:

  • Overseas Emergency Assistance
  • Overseas Emergency Medical
  • Medical Evacuation & Repatriation
  • Cancellation
  • Additional Expenses

For more information call Allianz Global Assistance on: 1800 187 025

Westpac credit card travel insurance

Underwritten by: Allianz Global Assistance

Westpac credit cards that offer complimentary travel insurance:

  • Westpac Earth Black
  • Westpac Earth Platinum
  • Westpac Earth Platinum Plus
  • Westpac Altitude Black
  • Westpac Altitude Platinum 
  • Westpac Altitude Platinum Plus
  • Westpac Altitude Qantas Platinum Plus
  • Singapore Airlines Westpac Platinum
  • Singapore Airlines Westpac Gold
  • Westpac Low Fee Platinum
  • Westpac 55 Day Platinum
  • Westpac 55 Day Gold
  • Private Bank Gold Mastercard

Does Westpac credit card travel insurance cover Coronavirus?

From 8 July, Westpac has announced it will be providing COVID-19 and pandemic cover on eligible travel insurance policies through select credit cards (T&Cs apply). Benefits include overseas emergency medical assistance, medical evacuation, and COVID-related cancellations and additional expenses for eligible policyholders. 

For more information call Allianz Global Assistance on: 1800 091 710

American Express credit card travel insurance

Underwritten by: Chubb 

American Express credit cards that offer complimentary travel insurance:

  • American Express Platinum Card
  • American Express Gold Card
  • American Express Rewards Advantage Card
  • American Express Green Card
  • American Express Explorer Credit Card
  • American Express Platinum Reserve Credit Card
  • American Express Platinum Edge Credit Card
  • American Express Platinum Rewards Credit Card
  • Qantas American Express Ultimate Credit Card
  • American Express Velocity Gold Credit Card
  • David Jones American Express Platinum Card 
  • American Express Elevate Credit Card
  • American Express Elevate Premium Credit Card

Does American Express credit card travel insurance cover Coronavirus?

American Express credit card travel insurance provides limited cover for Covid-related events, such as:

  • Trip cancellations, curtailments, and changes
  • Medical emergency expenses cover 

Note: There is no cover if you travel against a Smartraveller ‘Do Not Travel’ warning or if borders have closed at your destination prior to departure.

For more information call Chubb on: (02) 9335 3200

Citi credit card travel insurance

Underwritten by: Allianz Global Assistance

Citi credit cards that offer complimentary travel insurance:

  • Citi Prestige credit card
  • Citi Premier credit card
  • Citi Rewards credit card
  • Citi Clear credit card
  • Citi Simplicity credit card
  • Emirates Citi Platinum Mastercard
  • Emirates Citi World Mastercard
  • CitiBusiness Gold credit card
  • Citi Gold Mastercard
  • Citi Rewards credit card - Classic

Does Citi credit card travel insurance cover Coronavirus?

Unfortunately, Citi will not cover you for any loss, damages, or expenses caused by, arising directly or indirectly from or in any way related to any epidemic or pandemic, including COVID-19. 

For more information call Allianz Global Assistance on: 1800 072 791

HSBC credit card travel insurance

Underwritten by: Allianz Global Assistance 

HSBC credit cards that offer complimentary travel insurance:

  • HSBC Platinum credit card
  • HSBC Platinum Qantas credit card
  • HSBC Premier World MasterCard

Does HSBC credit card travel insurance cover Coronavirus?

HSBC credit card travel insurance does not provide cover for Covid, as they do not cover any claims related to epidemics or pandemics, as part of the general exclusions outlined in their PDS.

For more information call Allianz Global Assistance on: 1800 648 093

Which other providers offer complimentary travel insurance with their credit cards?

According to Mozo’s database, 32 credit card providers on site offer complimentary travel insurance on their credit cards. 

If you are concerned about whether you are covered for any medical issues or cancellations due to the outbreak of the coronavirus, contact your provider, or its travel insurance underwriter, on one of the following numbers.

ProviderUnderwriterContact
Auswide BankAllianz Global Assistance1300 138 831
Bank FirstCGU Insurance13 24 80
Bank AustraliaAllianz Global Assistance132 888
Bank of MelbourneAllianz Global Assistance1800 091 710
Bank of QueenslandAllianz Global Assistance1800 072 791
Bank of SydneyChubb1800 251 881
BankSAAllianz Global Assistance1800 091 710
BankVicCGU Insurance13 63 73
BankwestCover-More1300 468
Bendigo BankAllianz Global Assistance1300 889 828
BOQ SpecialistChubb1300 170 180
CUAAllianz Global Assistance1800 010 262
David JonesChubb(02) 9335 3200
Heritage BankAllianz Global Assistance1800 785 074
IMB BankAllianz Global Assistance1800 072 791
INGAllianz Global Assistance133 464
JetstarChubb1300 791 804
MacquarieChubb1300 791 804
P&N BankChubb1800 251 881
Qantas MoneyChubb1800 055 268
Qudos BankAllianz Global Assistance1300 747 747
RACQ BankAllianz Global Assistance1300 912 667
St.GeorgeAllianz Global Assistance1800 227 773
SuncorpAllianz Global Assistance1800 072 791
Virgin MoneyAllianz Global Assistance1800 134 419

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