Centroufo Travel

Travel Ideas To Visit

One of the biggest perks of having a premium or travel friendly credit card in your pocket is the complimentary travel insurance that comes with it. While it’s a great freebie, the fine print can be a killer and there would be nothing worse than being mid-trip and finding yourself wondering just whether or not you are covered.

You can stop scratching your head! To ensure your travel insurance is activated before you jetset overseas, we’ve rounded up the major Australian credit card providers who offer complimentary credit card travel insurance for personal credit cards along with their activation requirements.

How to activate:

With CommBank, there are no spending requirements or costs in order to receive base cover, it’s automatically included in your card. But base cover only covers you for hospital expenses, emergency medical assistance and personal liability.

If you’re after a more comprehensive range of cover then you’ll need to:

Activate comprehensive cover via NetBank, the CommBank app, or Cover-More: to access many more benefits like cover for your luggage or cancellation fees, before you travel log into your Netbank account and follow the prompts to activate your free cover. You can also use the CommBank app or call Cover-More on 1300 467 951. You have to do this each time you travel to be covered under an activated travel insurance policy; if you forget, you’ll go back to base cover.

What prepaid travel costs count? There are no hoops you have to jump through to activate your cover; it’s automatically activated for 12 months from when you make the booking for your trip.

Are my spouse and dependants covered? Yep, as long as they are travelling with you (the cardholder) for the duration of the trip, and, for activated cover, have met the above requirements.


Underwritten by: Allianz

    • Eligible

NAB Credit Cards

  • NAB Premium Card
  • NAB Low Rate platinum Card
  • NAB Qantas Rewards Premium Card
  • NAB Qantas Rewards Signature Card
  • NAB Platinum Visa Debit Card

How to activate: NAB offers a range of insurance plans and cool perks on its credit cards and each one is activated in a slightly different way. For your overseas travel insurance plan, you need to:

  • Have an eligible card
  • Have a return flight from Australia
  • Before leaving for your trip, spend $500 on your prepaid travel costs

What prepaid travel costs count? Your return flights, transport, accommodation or tours DO count, but travellers cheques or foreign currency DON’T. To qualify, you need to use your card or card details to purchase these items – just using the account linked to your debit card (e.g. BPay or PayPal) won’t activate your travel insurance plan.

Are my spouse and dependants covered? Yes, but remember that they will also need a return ticket for the trip and a $500 spend each on prepaid travel costs, paid on your eligible card.