Compare credit cards with travel insurance

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Qantas Points earning credit cards with travel insurance

Many premium credit cards offer different travel benefits on top of their everyday features. This can include anything from lounge invitations to complimentary travel insurance.

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 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.
On certain policies you could even add specialised cover for certain activities including skiing, scuba diving or watersports.

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.

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 as 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.

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.

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-cards for more information on credit cards, and how to best make them work for you.

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What you need to know

You must be a member of the Qantas Frequent Flyer program 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.

Except for Qantas-branded products, products referred to on this webpage are not Qantas products and not offered or issued by Qantas but by the relevant Australian Financial Services Licence (AFSL) or Australian Credit Licence (ACL) holders. The information about the relevant product has been provided by the relevant licensees and not Qantas. Qantas does not hold an AFSL or ACL and is not a licensee or authorised representative in relation to the activities being engaged in by the relevant licensee (except for Qantas-branded products).

The information on this webpage is factual and of a general nature only and does not consider your personal objectives, financial situation or particular needs.

Qantas is not recommending the products described on this webpage. We recommend that you obtain independent advice before you apply for any product which is described on this webpage. Qantas does not accept any liability for any loss arising from the use of, or reliance, on the information provided on this webpage.

Points are offered by the relevant program 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, terms and conditions, fees and charges may apply.

^Estimated points calculations:

Are based on a fixed monthly spend each month for the period specified and will include the relevant card’s sign on bonus points, provided the monthly spend amount meets the minimum spend criteria.

Where 2nd year bonus points are offered and the specified time period selected is 2 years or more, these points will be included.

Include points capping and points tiers, if applicable.

Assume 100% of spend is categorised as eligible everyday domestic spend. Check the relevant T&Cs to determine what spend qualifies for points earning. For some products, international spend, government spend and spend on Qantas products and services may result in additional points, or fewer points, being awarded. Where applicable, eligible domestic spend is split into 4 categories:

Major Restaurants, Cafes and Hotels (6%),
Major Petrol outlets, Supermarkets and National retailers (16%)
Utilities (3%)
All other spend (75%)

Do not factor in bonus points available for first-time Qantas Points earning credit cardholders (excludes the Qantas Premier Platinum credit card where these bonus points are always available).

Do not include bonus points on balance transfers.

This tool has been prepared by Qantas and not the associated financial institution. Amounts are estimations only, to be used as a guide, and are not a guarantee of points you will earn. Refer to the full T&Cs for the relevant card to see what purchases are eligible for earning points, and to ascertain points earn rates, bonus points, fees and charges associated over the duration you hold the card.