Compare Travel Insurance Credit Cards

Travel Insurance Credit Cards

Many premium credit cards offer different travel benefits and features, including complimentary travel insurance and complimentary lounge passes.

Complimentary Travel Insurance is a popular feature of premium credit cards

It offers you peace of mind knowing that you’re covered should plans go awry while you’re away from home.

Depending on the quality of the policy, complimentary credit card travel insurance can be used instead of a standalone travel insurance policy, which can help reduce costs and save time.

Complimentary Lounge Passes are a nice benefit that some premium credit cards offer, and can make your travel experience that much more enjoyable. It is important to review the terms of insurance which may require that you book your return flights using your credit card for example.

Choose the right credit card with complimentary Travel Insurance for you

Complimentary travel insurance can cover for a variety of needs including:

Medical cover for hospital and doctor expenses overseas.
Lost luggage or damaged property cover.
Cancellation fee cover if you have to unexpectedly cancel your trip due to events outside your control.
Travel inconvenience cover for cancelled or delayed flights.
Transit accident cover for injuries that occur while using some form of transport.
Legal liability cover in case you injure someone else or damage someone else’s property during your trip.

But there’s a wide range in terms of what policies will and won’t cover – so it’s important to check your policy before you travel.

Why choose a credit card with complimentary Travel Insurance?

Credit cards with complimentary travel insurance can be a great way to save time and money. You don’t have to spend time comparing standalone insurance products to figure out what is the best policy for your needs; and you can get cover for a range of different international destinations for the same ‘price’ (i.e. the annual fee of the card). What’s more, card policies often continue to cover older travellers as they age, whereas standalone travel insurance policies can charge higher premiums for older travellers.

What do I need to consider when choosing a credit card with complimentary Travel Insurance?

Some credit card travel policies only cover international trips or domestic trips, so you need to check whether your trip is covered or not.
You may have to pay for your flights, tours, and/or accommodation using the card in order to be covered.
If you are an infrequent traveller, you may not benefit from complimentary travel insurance, as the fees and interest rates may make your credit card more expensive in the long run.

Exclusions (for example, skiing or watersports or other ‘adventure’ activities) as well an excess may still apply to complimentary travel insurance policies, so it’s important to read the product disclosure statement (PDS) before signing up.
Credit card travel insurance policies typically only cover trips of up to a certain length (for example, 31 days or three months).
Cover may not be as extensive as standalone travel insurance policies.

Which credit cards that earn you Qantas Points give you access to airport lounges?

There are currently a number of credit cards that allow access to airport lounges, among other benefits. Compare the Qantas Points earning credit card that offers lounge pass access.

How do I apply for a credit card that earns Qantas Points and offers lounge access?

It's easier than you think - search our range of Qantas Points earning credit cards with lounge access and simply click 'Apply now' on the credit card of your choice. Please remember, terms and conditions and eligibility criteria may apply.

What else shall I know?

Regardless of which credit card you choose, it is important that you read the terms and conditions of any product fully to understand your obligations. We suggest visiting https://moneysmart.gov.au/credit-cardsOpens external site for more information on credit cards, and how to best make them work for you.

Popular credit card features

What you need to know

You must be a Qantas Frequent Flyer to earn and use Qantas Points. A joining fee may apply. Membership and points are subject to the Qantas Frequent Flyer program Terms and Conditions.

Card products referred to are not Qantas products and not offered or issued by Qantas but by the relevant Card partners. The applicable Card Partner is the credit provider and credit licensee under the National Consumer Credit laws. Points are offered by the relevant Card partner and partner reward program and can only be earned on eligible purchases. Bonus points amounts offered are different for each credit card. Minimum spend criteria applies.

When it comes to credit cards, your bank or financial institution may use different terms. Here is a general explanation of the meaning of some of the terms used in relation to credit cards. Please keep in mind that it’s important that you read the terms and conditions of your credit card as well as the Product Disclosure Statement (PDS) to understand all the rewards, features, fees and charges and interest rates that may apply to your card.