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Complimentary international travel insurance

Check your eligibility and policy coverage or make a claim on your complimentary international travel insurance through Allianz Global Assistance (AGA).

Changes effective 1 November 2023

Please read this summary of changes to understand how it will affect your complimentary card insurance policy.

Key features

If your NAB card offers complimentary international travel insurance, here are a few reasons to use that feature.

Simple claims process

Make a claim online, even if you’re overseas.

Simple eligibility check

With  Allianz Global Assistance’s eligibility portal , opens in new window , you can easily check if your card is eligible for up to five complimentary insurances including international travel insurance (for persons aged under 81 years).

No need to get a quote

Your insurance is complimentary with eligible NAB cards, so no need to get quotes or apply.

Eligible NAB cards

The following NAB cards include complimentary international travel insurance.

On sale cards

• NAB Qantas Rewards Signature Card
• NAB Qantas Rewards Premium Card
• NAB Rewards Signature Card
• NAB Rewards Platinum Card
• NAB Low Fee Platinum Card
• NAB Platinum Visa Debit Card

Off sale cards

• NAB Premium Card
• NAB Velocity Rewards Premium Card
• NAB Flybuys Rewards Card
• NAB Low Rate Platinum Card
• NAB Qantas Plus Card

Eligible purchases

To be eligible, you’ll need to reside in Australia and:

• charge at least $500 of your prepaid travel costs to the accountholder’s card account before leaving Australia
• have a return overseas travel ticket before leaving Australia
• be aged under 81 years at the time you become eligible for the cover by meeting the conditions above.

You can check if you are eligible for complimentary insurance by using the Allianz Global Assistance eligibility portal , opens in new window .

Policy coverage

The below is a limited summary only. Terms, conditions, exclusions, limits, sub-limits and excesses apply.

You, your spouse and your dependants may be covered by this policy if the eligibility criteria is met. Eligibility criteria, terms, conditions, exclusions, limits and applicable sub-limits apply.

For the full list of benefits and the terms, conditions, exclusions, limits, applicable sub-limits and excesses that apply, please read the  NAB Card Insurance Policy Information Booklet Effective 1 November 2023 (PDF, 489KB) , opens in new window .

What may be covered

Below is a limited summary only. For the full list of benefits and the terms, conditions, exclusions, limits, applicable sub-limits and excesses that apply, please read the  NAB Card Insurance Policy Information Booklet Effective 1 November 2023 (PDF, 489KB) , opens in new window .

Here are examples of what this insurance is designed to cover for eligible customers.

For people aged under 81 years

The below information is a limited summary only and are subject to applicable terms, conditions, exclusions, limits, sub-limits and excesses that may apply.

overseas emergency assistance and medical expenses

accidental death and loss of income

cancellation

travel delay and alternative transport expenses

luggage and luggage delay

rental vehicle excess

personal liability

Epidemic and pandemic cover

Below is a limited summary only and are subject to applicable terms, conditions, exclusions, limits, sub-limits and excesses that may apply.

COVID-19 cover may be available under selected sections of the international travel insurance section.

For more information about epidemics and pandemic coverage (such as COVID-19), please read the  NAB Card Insurance Policy Information Booklet effective 1 November 2023 (PDF, 489KB) , opens in new window .

If, during the period of cover available, you (including your spouse and/or dependants who are eligible for cover) are positively diagnosed as suffering a sickness recognised as an epidemic or pandemic, such as COVID-19, cover may be available to you under the following sections:

1.1 Overseas Emergency Assistance (including Medical Evacuation and Repatriation)

1.2 Overseas Emergency Medical

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: 

2.1 Cancellation 

Terms, conditions, exclusions, limits and applicable sub-limits apply. Please read the  NAB Card Insurance Policy Information Booklet effective 1 November  2023 (PDF, 489KB) , opens in new window  including Part D – General Exclusions and the exclusions set out in each of the above sections.

What isn’t covered

Below is a limited summary only.

For the full list of benefits and the terms, conditions, exclusions, limits, applicable sub-limits and excesses that apply, please read the  NAB Card Insurance Policy Information Booklet effective 1 November 2023 (PDF, 489KB) , opens in new window .

Examples of what’s not covered include claims arising directly or indirectly because of:

• any pre-existing medical condition of any person including you, your travel companion or a relative unless Allianz Global Assistance has confirmed in writing to you that the pre-existing medical condition causing your claim is covered by the Group Policy. Before going overseas, you can apply for assessment of whether your pre-existing medical condition is covered by the group policy online or over the phone. If after assessment, Allianz Global Assistance confirm to you that your pre-existing medical condition is covered by the group policy, you will need to pay an administration fee of $75.
• childbirth at any gestation (except when arising from an injury or sickness) and pregnancy related sickness if you have had complications in your pregnancy before you became eligible for cover  
• your participation in any dangerous activities or your exposure of yourself to danger unless in an attempt to preserve your life or the life of another person

Other complimentary insurances

If you have an eligible NAB card, and make an eligible purchase, these complimentary insurances are also available.

Complimentary domestic travel insurance

Learn what you need to know about your domestic travel insurance.

Complimentary rental vehicle excess insurance in Australia

How to make a claim, check eligibility and understand your policy.

Complimentary extended warranty insurance

Learn about policy coverage, eligibility and the simple claims process for your extended warranty insurance.

Complimentary purchase protection insurance

What you need to know about your policy coverage, eligible purchases and claims.

How to make a claim

If you’re making a claim on your travel insurance, the easiest way to claim is by using the online claims portal. For claims relating to any other type of cover (including domestic travel insurance), please contact our team via email or phone.

For claims relating to international travel insurance only , you can submit an online claim.

Download the relevant form and email our insurance provider Allianz Global Assistance.

Call Allianz Global Assistance (AGA)  Monday to Friday, 8:00am to 7:00pm (AEST/ADST) .

Australia:  1800 187 025

Emergency assistance is available 24 hours a day, seven days a week. Calls from mobiles, public telephones or hotel rooms may attract additional charges.

Australia:  1800 010 075

Overseas:  +61 7 3305 8800

Important Information

Terms and conditions.

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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 National Australia Bank Limited ABN 12 004 044 937 AFSL and Australian credit licence 230686 (NAB) which allows eligible persons to claim under it as third-party beneficiaries. 

Access to the benefit of cover under the NAB card insurances is available to eligible NAB cardholders and other eligible third-party beneficiaries by operation of s48 of the Insurance Contracts Act 1984 (Cth). Any advice on insurance is general advice only and not based on any consideration of your objectives, financial situation or needs. You must check whether or not it is appropriate, in light of your own circumstances, to act on this advice. The insurance is underwritten by Allianz. NAB is not the product issuer or insurer and neither it nor any of its related bodies corporate guarantee any of the benefits under this cover. If an eligible person wishes to claim any of these benefits, they will be bound by the eligibility criteria, terms, conditions, exclusions, limits and applicable sub-limits of the group policy set out in the  NAB Card Insurance Policy Information Booklet effective 1 November 2023 (PDF, 489KB) , opens in new window , which may be amended from time to time. For insurable events that occurred prior to 1 November 2023, please refer to the  NAB Card Insurance Policy Information Booklet dated 30 June 2022 (PDF, 604KB) , opens in new window .

For more information about the changes visit Information about changes to complimentary insurances .

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NAB credit card complimentary travel insurance

Got a nab credit card with complimentary travel insurance here’s the lowdown on what’s covered and how to make a claim..

In this guide

Which NAB credit cards have complimentary travel insurance?

How to get cover with nab credit card international travel insurance, what's covered by nab complimentary international travel insurance, what's not covered, pre-existing medical conditions, how to make a claim through your nab credit card complimentary international travel insurance policy, other types of nab complimentary credit card travel insurance, nab credit card complimentary insurance for shopping, nab business credit card complimentary insurance options, frequently asked questions, what you need to know:.

• NAB credit cards with complimentary international travel insurance offer comprehensive cover for up to 3 months with a Level 2 card and up to 6 months with a Level 1 card.
• You'll get cover when you meet the requirements before travelling (e.g. by paying for your trip with the card).
• Your spouse and dependants travelling with you can also get cover, but there are some requirements and exclusions .
• Do you have a question or need to make a claim right now? Call the insurance provider, Allianz Global Assistance, on 1800 187 025 (from Australia) or +61 7 3305 8800 (from overseas).
• Use your NAB credit card to pay for at least $500 of overseas travel costs before you leave Australia (e.g. your overseas airfare or accommodation bookings).
• Have a return ticket to Australia before the start of your trip.
• Permanently live in Australia or have a visa that entitles you to residency under the Migration Act (1958).
• Be under 81 years of age at the time you meet the rest of these requirements.
• Make sure your trip is for 3 consecutive months or less with a Level 2 Card (e.g. NAB Rewards Platinum) or up to 6 consecutive months with a Level 1 Card (e.g. NAB Qantas Signature). Trips over these length requirements won't be covered by this policy.

When you meet all of these requirements, cover is automatically available to you and eligible family members travelling with you (when they also meet the requirements).

Need written confirmation of cover? Use the “Check eligibility” tool online or call Allianz on 1800 187 025 for more details.

Here, we've broken down the key options for different types of claims and situations. But remember: you should always read the insurance policy booklet for complete details of the cover.

Medical, dental and emergencies cover with a NAB credit card

Example of when you might use this cover on an overseas trip.

If you got sick overseas and had to go to hospital for a few days, you could get cover for costs related to:

• Doctor's fees
• Hospital fees
• Changes in your travel plans

Just keep in mind that each travel claim is subject to an assessment and there may be excess payments if you're eligible for a payout.

NAB complimentary international travel insurance for cancellation, delays, accommodation and transport

⚠️ Keep in mind: Cancellations and other changes to your travel plans are only covered under specific circumstances. For example, if you missed a flight because you needed urgent medical treatment for a covered health issue.

Luggage and personal items cover offered with NAB credit card complimentary insurance

Hijacking, personal liability, death and other cover offered with nab complimentary credit card travel insurance.

Claims under these benefits are less common and usually only apply in extreme circumstances. None of them have an excess payment but we have listed their claim limits.

• Hijacking: Up to $10,000 per cardholder or spouse
• Emergency accommodation due to terrorism: Up to $300 per day and a maximum of $3,000 per cardholder or spouse
• Personal liability: Up to $2.5 million for Level 1 cards and up to 1 million for Level 2 cards
• Legal expenses: Up to $15,000 per cardholder or spouse
• Accidental death: $50,000 per cardholder or spouse, up to $25,000 per dependant and a maximum total of up to $150,000.
• Funeral expenses: Up to $60,000 for a cardholder or spouse

Note: Unless a specific limit is listed for dependants, any claims related to them will come out of the limit for the cardholder and/or their spouse.

Some of the key things you won’t be covered for with NAB credit card complimentary international travel insurance include:

• If you don’t follow advice from any government, official body or mass media announcements
• Issues related to drinking alcohol or taking non-prescription drugs
• Travel that’s for the purpose of medical treatment
• If you or your partner give birth during the trip, or there are complications arising after week 26 of the pregnancy
• Dangerous activities including rock climbing (with equipment), white water rafting, bungy jumping, off-piste snowboarding or skiing and quad or motorbike riding if the engine has a capacity of 200cc or more

Does NAB complimentary credit card travel insurance cover COVID?

Yes, if you are diagnosed with COVID-19 or another epidemic/pandemic illness, this insurance offers cover for claims relating to:

• Overseas emergency assistance
• Overseas emergency medical
• Cancellation
• Additional expenses

If you're travelling with someone who tests positive for COVID-19, some cover is also available under the cancellation and additional expenses benefits.

⚠️ Remember: Check the NAB credit card insurance policy booklet or call Allianz on 1800 187 025 for more details about COVID-19 claims and any exclusions.

Does NAB credit card travel insurance cover family members?

Yes, your spouse and dependants (i.e. your children) can also get cover when they are travelling with you for at least 50% of your trip. They also need to meet the same travel booking requirements and other conditions of the insurance policy. Check the policy document for full details.

This travel insurance doesn’t automatically offer cover for any pre-existing conditions. But you can apply for an assessment of your pre-existing condition/s by calling Allianz Global Assistance on 1800 187 025.

If you are eligible, you will get written confirmation from Allianz that a pre-existing medical condition is covered. A $75 administration fee applies as part of this process.

What if I don’t apply or get approval for a pre-existing condition?

You won't get cover for any claims related to the pre-existing condition/s. This includes conditions that you've had professional treatment for and untreated conditions you're aware of before you travel.

Got a pre-existing health condition? Compare other travel insurance policies that offer cover for conditions including anxiety, high blood pressure and knee replacement.

If it's an emergency, call Allianz on +617 3305 8800 when you're overseas or 1800 010 075 in Australia. You can also submit a claim online by following these steps:

• Go to the online claims portal at https://claimmanager.com.au/nab/agreement
• Confirm you agree with the terms and conditions, then select "Create new claim"
• Select the "Credit card insurance" option and provide details of your card
• Fill in the details on the claim form and upload your supporting documentation

You will be contacted about your claim within 10 business days, according to the online claims website.

What to include in your claim

With insurance claims, include as many details as you can. This makes it easier for the insurer to look at the claim and your eligibility for a payout. Some examples include:

• A referral or letter from a doctor or other professional you see in relation to a claim
• Photo evidence
• Police reports

Tip: Use a travel wallet or create an online folder to keep all your important documents together. This could include your passport, itinerary, printed tickets, a copy of the NAB card insurance policy booklet – plus anything that could become supporting documentation for claims.

Domestic travel insurance

• What is it? Cover for specific issues that come up when you're travelling to a different state or territory in Australia. This includes:
• Cancellation: Up to a maximum of $3,000.
• Flight delay expenses: After 4 hours or more, $125 per person up to a maximum of $300.
• Additional expenses: Up to $3,000.
• Luggage: Up to $750 per covered item with a maximum of $2,000.
• Luggage delay: After a delay of 12 hours or more, $150 per person up to a maximum of $400 for all claims combined.
• When can I use it? If you have paid for your return domestic flight with your eligible NAB credit card before you leave. Or, if you have a return domestic flight and have paid for at least $250 domestic travel costs with your NAB credit card before you leave (such as accommodation).
• Is there an excess cost? There is a $75 excess for cancellation, additional expenses and luggage claims.

Rental vehicle excess in Australia insurance

• What is it? Cover for damage or theft of a car or other vehicle you have hired in Australia, up to a maximum of $5,000 for Level 2 cards and a maximum of $10,000 for Level 1 cards.
• When can I use it? If you’ve used your NAB credit card to pay the full cost of the vehicle rental. The rental contract also needs to specify an amount that you would need to pay if the vehicle is damaged or stolen while you have it.
• Is there an excess cost? $100 per claim.

How to make a claim under one of these policies

You can also get access to other types of insurance for items you buy with an eligible NAB credit card. Here's a basic explainer of each one:

• Purchase protection insurance: Offers cover for up to 90 days when you buy a new item with your eligible card and it's then stolen, accidentally damaged or lost. It covers household and personal items such as jewellery, watches, glasses and new works of art. There is no excess but specific claim limits may apply.
• Extended warranty insurance: Cover that doubles the manufacturer's warranty for items bought in Australia, up to a maximum period of 12 months.

Don’t have complimentary insurance on your credit card yet? Compare NAB credit cards or other cards that offer insurance .

NAB business credit cards offer complimentary unauthorised transaction insurance to help protect you if an additional cardholder uses the account for something that's not allowed.

Some NAB business credit cards also offer complimentary transit accident insurance. These are your options with different NAB business cards:

Can I get proof of my cover?

Yes. If you're going on a cruise or tour that requires proof of insurance, you can get a letter of eligibility online at www.checkyourcover.com.au/nab

How do I get cover with a NAB Platinum Visa Debit Card?

The NAB Platinum Visa Debit Card is classified as a Level 2 card, giving you access to complimentary insurace options including international travel insurance. If you have met the eligibility requirements, you can make a claim online at https://travel.agaassistance.com.au/nab/make-a-claim or by calling Allianz on +617 3305 8800 from overseas or 1800 010 075.

Amy Bradney-George

Amy Bradney-George was the senior writer for credit cards at Finder, and editorial lead for Finder Green. She has over 16 years of editorial experience and has been featured in publications including ABC News, Money Magazine and The Sydney Morning Herald.

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With up to 100,000 bonus NAB Rewards Points, a reduced first-year annual fee and perks, is this NAB card right for you?

The NAB Business Card offers additional cardholders with individual credit limits, up to 35 interest-free days on business purchases and liability insurance.

Get a card facility you can tailor to your company’s needs, with multiple cards, expense tracking tools and the option of a custom design.

The NAB Low Rate Business credit card offers cards for employees and low-cost features, including 0% p.a. on purchases for the first 12 months.

You'll get a complimentary Qantas Frequent Flyer membership, Qantas Points for your everyday purchases and 5 complimentary insurance covers with the NAB Qantas Rewards Premium Card.

The NAB Low Fee Card offers up to 44 interest-free days on purchases, a competitive annual fee and a low minimum credit limit.

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Home > Travel Insurance > NAB Travel Insurance Review

NAB Travel Insurance Review

Learn more about NAB' s travel insurance policies to find out about their coverage and fees and compare them with other insurers today.  

Fact checked

The National Australia Bank (NAB) is one of the country’s ‘big four’ financial institutions and among the 25 largest banks in the world. Aside from providing business and consumer banking, though, NAB offers a range of insurance products, including travel insurance policies.

If you’re in the market for a travel insurance policy and want to see how NAB’s products stack up against the competition, comparing with Savvy can help you out. By doing your homework with us, you can see who offers the most generous claim limits and the most benefits at the best price.

Grab a quote and find out more about NAB’s travel insurance policies by comparing with Savvy today.

*Please note that Savvy does not represent NAB for its travel insurance products.

More about NAB travel insurance

What travel insurance policies does nab offer.

Travel insurance is only accessible if you’re a cardholder with NAB, as they ceased offering standalone policies in March 2020. If you have a NAB Signature, Platinum or Premium debit or credit card, you can be automatically covered for the following:

• International Travel Insurance: if you’re a NAB cardholder who spends more than $500 on prepaid travel costs, you can get complimentary international travel insurance coverage. This policy covers you for overseas medical expenses, evacuation and repatriation, expenses while in hospital, cancellation or travel delays and the loss or damage of your luggage. You mustn’t be over 91 years old to take out a policy. However, if you’re over 75, your benefits will be limited.
• Interstate Flight Inconvenience Insurance: NAB provides you with free domestic travel insurance coverage if you pay for the entire cost of your interstate trip on your credit card. This coverage includes cancellation, flight delays, luggage and funeral expenses if you die on your holiday.
• Transit Accident Insurance: this unique travel insurance policy covers you in the event you suffer an injury or die while travelling to your destination. This type of domestic travel insurance policy covers you or your partner for loss of life, limbs or eyesight up to a specific claim limit. For example, NAB will pay out $750,000 if you die on your holiday or $250,000 if you lose both hands.
• Vehicle Excess in Australia Insurance: this NAB policy covers you if a rental car company makes an excess payable if your hire car is damaged or stolen. The maximum amount you can claim per event is $5,000.

Whether you’re taking a trip to Norfolk Island or the USA, it’s always a good idea to shop around before snapping up a travel insurance policy. Comparing with Savvy ensures you get the best chance at finding the cover most suited to your holiday.

What optional extras are available through NAB?

NAB does not offer any additional coverage, in contrast to other travel insurance providers. Some of the extras offered by most other travel insurers include adventure sports and snow sports coverage.

What exclusions should I be aware of when buying travel insurance through NAB?

General exclusions are part and parcel of any travel insurance policy with no company willing to cover you for absolutely anything or everything that can happen while you’re abroad or overseas. As such, NAB has a slew of exclusions including:

• Acting irresponsibly
• Unapproved pre-existing medical conditions
• Items stolen while left in a car or tent
• Personal items, such as a mobile phone , packed into your check-in luggage
• Intentionally injuring yourself or attempting suicide
• Knowingly travelling to a country with a ‘do not travel’ warning
• Illegal or criminal acts

If you’ve found a policy that draws your eye, make sure you review the Product Disclosure Statement (PDS) before you set your decision in stone.

What we think of NAB travel insurance

What we like, instant travel insurance coverage.

One of the beauties of complimentary travel insurance is that you can be covered instantly as soon as you make a purchase towards your holiday, saving you the hassle of looking at different options.

24/7 support

NAB promises travellers support over the phone or online 24 hours a day, seven days a week. This extends to if you need to make a claim.

Generous claim limits

By taking out NAB’s international policy, you get covered for an unlimited amount of hospital, cancellation and additional emergency costs, which can be capped by other insurers.

What we don't like

Only available to credit card customers.

Only people who have Platinum, Premium or Signature credit cards are eligible for coverage for travel with NAB, as they don’t provide any independent travel insurance products.

No optional extras

NAB doesn’t include any add-ons or optional extras as part of its policies, which is a rare move for a travel insurance provider.

Limited coverage for seniors

While you can technically take out a policy up until you’re 91 years old, senior travellers won’t be covered for overseas medical costs or emergency expenses if you’re over the age of 76.

Types of travel insurance

International.

International travel insurance can offer cover for a range of events, including medical expenses, lost luggage or items, cancellation fees and more when you're overseas and a long way from home.

If you're journeying within Australia, domestic policies are designed to offer many of the same protections as international travel insurance (with the exception of medical expenses).

Single trip

The most standard and common type of travel insurance, this policy can cover you for one trip starting and ending in Australia (and is available for both international and domestic travel).

Annual multi-trip

As the name suggests, this type of travel insurance covers multiple trips over a 12-month period. Depending on your insurer, you may be able to take an unlimited number of trips up to 90 days each.

You don't have to have a return ticket booked to take out cover while you're overseas. One-way travel insurance enables you to access cover without a set end date, such as if you're moving temporarily.

You may need to take out specialist coverage if you're setting sail on a cruise. Fortunately, cruise insurance can cover emergency evacuation, cabin confinement and more.

Just because you're older doesn't mean travel insurance isn't still important. If you qualify for cover, seniors' travel insurance can offer greater peace of mind for included events while you're travelling.

Adding winter sports or ski cover to your policy can add protection against damage to your equipment, piste closure due to bad weather and activities such as back-country skiing, heliskiing and more.

Adventure sports

Looking to enjoy some adventure sports on holiday? An adventure sports pack can grant you cover for a range of activities, such as hiking, scuba diving and motorcycle or scooter riding.

Jetsetting with the whole clan in tow? Some insurers offer family travel insurance, which enables you to include yourself, your partner and your dependent children under one policy to help you save.

If you're travelling interstate or overseas with your partner (or simply another friend or family member), you may be able to access a discount by taking out a joint or duo travel insurance policy.

Why compare travel insurance with Savvy?

Reputable insurance partners, fast and convenient online process.

You can complete the quote, comparison and purchase process online through Savvy quickly and easily.

Competitive quote costs

Regardless of the type of insurance you’re looking for, we can help you compare between competitive quotes.

Frequently asked questions about NAB travel insurance

Yes – if you test positive for COVID-19, NAB can accept claims for overseas emergency assistance or medical treatment, cancellations, additional expenses and repatriation or evacuation. You or your spouse will need to have tested positive for you to make a claim on your policy.

You can either submit a claim online or over the phone with NAB. If you’re lodging a claim over the internet, you’ll need to use NAB’s claim manager portal. This is where you’ll provide details of the incident you’re claiming for and upload any supporting documents. Alternatively, you can call Allianz, who underwrites NAB’s travel insurance, and make the claim over the phone. You should allow for about ten days for your claim to be processed.

There’s no one average cost of travel insurance to follow, with the price of premiums determined by a unique set of variables including:

• Destination (for example, travel to the USA can be more expensive than travel to Italy due to the lack of universal health cover)
• Level of coverage you buy
• Any optional extras you need
• Pre-existing medical conditions you need to disclose
• Excess you choose
• Type of insurer and insurance policy you buy

Yes – NAB will provide coverage for travellers up to the 26th week of their pregnancy if they get sick or hurt while travelling and give birth. However, no coverage is offered if you’ve already experienced difficulties as a result of your pregnancy or have used IVF to try to conceive.

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Disclaimer: We do not compare all travel insurance brands currently operating in the market. Any advice presented above or on other pages is general in nature and does not consider your personal or business objectives, needs or finances. It’s always important to consider whether advice is suitable for you before purchasing an insurance policy.

Savvy earns a commission from our partners each time a customer buys a travel insurance policy via our website. We don’t arrange for products to be purchased from these brands directly, as all purchases are conducted via their websites.

Before purchasing your policy, we recommend you refer to the provider’s PDS for any further information on the terms, inclusions and exclusions.

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• Help and Support

Complimentary Insurance

Many of our Citi credit card cardholders are eligible for complimentary insurance cover. Check below to see if your credit card provides any complimentary insurance covers.

If you need to make a travel claim, we encourage you to do so online . If you are looking for information about the impact of COVID-19 on travel insurance, please refer to our FAQs .

Our complimentary credit card insurance cover is issued and managed by AWP Australia Pty Limited (trading as Allianz Global Assistance) on behalf of the insurer Allianz Australia Insurance Limited.

For each complimentary insurance cover you are eligible for, please ensure you take the time to review the full terms and conditions. When you do, make sure you pay special attention to the benefits, eligibility and exclusions. It is particularly important to do this before travelling or purchasing goods as your cover may not be sufficient for your personal circumstances.

Citi Credit Cards Complimentary Insurance Policy Information Booklet

Note for Emirates Citi World Mastercard cardholders: Complimentary insurance covers associated with your card for travel and purchasing of goods will be honoured in accordance with the Citi Credit Cards Complimentary Insurance Policy Information Booklet provided you meet the eligibility requirements, and your account remains open at the time you make a claim. This means if you have purchased a return overseas travel ticket with your Emirates Citi World Mastercard and you became eligible for complimentary International Travel Insurance prior to 31 May 2023 but your travel commences after 31 May 2023, complimentary International Travel Insurance will still apply to that travel provided your account remains open.

Note for Emirates Citi World Mastercard cardholders: Complimentary insurance covers associated with your card for travel and purchasing of goods will be honoured in accordance with the Citi Credit Cards Complimentary Insurance Policy Information Booklet provided you meet the eligibility requirements, and your account remains open at the time you make a claim. This means if you have purchased a return overseas travel ticket with your Emirates Citi World Mastercard and you became eligible for complimentary International Travel Insurance prior to 31 May 2023 but your travel commences after 31 May 2023, complimentary International Travel Insurance will still apply to that travel provided your account remains open.

Additional Information

• PRESTIGE AND PREMIER
• SIMPLICITY & CLEAR

International Travel Insurance

Eligibility

Citi Prestige and Premier cardholders can access to up to 6 months complimentary International Travel Insurance cover when meeting the eligibility criteria as set out in the Citibank Credit Card Complimentary Insurance Policy including:

• spending at least $500 of prepaid travel costs on an eligible card or through a frequent flyer or travel program as outlined in the Policy Information Booklet
• holding a return overseas travel ticket before departing Australia
• you are aged under 81 years at the time you become eligible.

Your spouse and your dependants travelling with you may be covered by this policy. Eligibility criteria, terms, conditions, exclusions, limits and applicable sub-limits apply.

You can check your eligibility for International Travel Insurance and obtain a Letter of Eligibility by using the Allianz Global Assistance eligibility portal .

What is covered

The below information is a limited summary only and are subject to applicable terms, conditions, exclusions, limits, sub-limits and excesses that may apply.

For the full list of benefits and the terms, conditions, exclusions, limits, applicable sub-limits and excesses that apply, please read the Citi Credit Cards Complimentary Insurance Policy Information Booklet effective 1 November 2023.

• overseas emergency assistance
• overseas medical and dental expenses
• accidental death, permanent disability and loss of income
• cancellation
• travel delay and alternative transport expenses
• luggage and luggage delay
• rental vehicle excess cover for damage or theft of rental vehicle
• personal liability

A maximum $400 excess may apply for each claim made. No excess may apply to some claims, please refer to the Policy Information Booklet.

Citi Prestige and Premier cardholders can access to up to 6 months complimentary International Travel Insurance cover when meeting the eligibility criteria as set out in the Citibank Credit Card Complimentary Insurance Policy including:

For the full list of benefits and the terms, conditions, exclusions, limits, applicable sub-limits and excesses that apply, please read the Citi Credit Cards Complimentary Insurance Policy Information Booklet effective 1 November 2023.

Domestic Travel Insurance

Citi Prestige and Premier cardholders can access to up to 28 days complimentary Domestic Travel Insurance cover when meeting the eligibility criteria as set out in the Citi credit card complimentary insurance policy:

• the entire cost of your return domestic flight ticket is charged to the accountholder’s card account prior to commencing the journey; or
• before commencing your journey, you spend at least $250 on your prepaid travel costs and you charge these costs (e.g. cost of your return domestic travel ticket; and/or airport/departure taxes; and/or your prepaid domestic accommodation/travel; and/or your other prepaid domestic itinerary items) to the accountholder’s card account and you have a return domestic flight ticket prior to commencing the journey.
• flight delay
• additional expenses
• luggage delay

A maximum $75 excess may apply for each claim made. No excess may apply to some claims, please refer to the Policy Information Booklet.

Citi Prestige and Premier cardholders can access to up to 28 days complimentary Domestic Travel Insurance cover when meeting the eligibility criteria as set out in the Citi credit card complimentary insurance policy:

• the entire cost of your return domestic flight ticket is charged to the accountholder’s card account prior to commencing the journey; or
• before commencing your journey, you spend at least $250 on your prepaid travel costs and you charge these costs (e.g. cost of your return domestic travel ticket; and/or airport/departure taxes; and/or your prepaid domestic accommodation/travel; and/or your other prepaid domestic itinerary items) to the accountholder’s card account and you have a return domestic flight ticket prior to commencing the journey.

Rental Vehicle Excess Insurance in Australia

Citi Prestige and Premier cardholders are covered when the entire payment for the vehicle rental was charged to the accountholder's card account.

The cover available begins when you collect the rental vehicle from the rental vehicle company or agency you have entered into a rental vehicle agreement with and ends when you return the rental vehicle to the rental vehicle company or agency or at the expiry of the rental vehicle agreement, whichever occurs earlier.

The amount specified in your rental vehicle agreement up to the maximum total limit of $10,000 for all claims combined during the rental period.

An excess of $100 applies to each claim payable under Rental Vehicle Excess Insurance in Australia.

Purchase Protection Insurance

Citi Prestige and Premier cardholders are eligible for Purchase Protection Insurance for covered items or valuables:

• purchased anywhere in the world; or
• purchased and given as a gift to any permanent Australian resident,

provided the whole purchase price of the covered item is charged to the accountholder's card account.

Please note you are covered for 90 consecutive days after the date you take possession of the covered item or valuable.

You are covered for the purchase price charged to the card account except for jewellery, watches and new works of art which are limited to $5,000 per claim. Maximum total limit for all claims in any twelve (12) consecutive month period is $200,000 per card account.

No excess applies to any claim under Purchase Protection Insurance.

Extended Warranty Insurance

Citi Prestige and Premier cardholders are eligible for Extended Warranty Insurance when the whole purchase price of the covered item is charged to the accountholder’s card account.

Only items with a manufacturer’s unique identification serial number on them and a manufacturer’s warranty period are covered under this insurance.

The table below sets out examples of how extended warranty periods apply.

You are covered for the purchase price charged to the card account limited to $10,000 per covered item up to a maximum total limit of $40,000 per card account in any 12 month period.

No excess applies to any claim payable under Extended Warranty Insurance.

Citi Prestige and Premier cardholders are eligible for Extended Warranty Insurance when the whole purchase price of the covered item is charged to the accountholder’s card account.

Only items with a manufacturer’s unique identification serial number on them and a manufacturer’s warranty period are covered under this insurance.

You are covered for the purchase price charged to the card account limited to $10,000 per covered item up to a maximum total limit of $40,000 per card account in any 12 month period.

Frequently Asked Questions

If I need further clarification of the Complimentary Insurance Policy who should I call?

For general enquiries about your policy please contact AGA Assistance Australia Pty Ltd (Allianz Global Assistance) on 1800 072 791.

If you have a travel emergency, please contact +61 7 3305 7499.

What documents should I take with me when I am travelling overseas?

In the event that you need to make a claim under this cover (especially if claiming whilst overseas), it will be necessary for you or your agents to provide information to establish your eligibility as reasonably requested by Allianz Global Assistance or its agents. Without this information it may not be possible for Allianz Global Assistance or its agents to give approval for overseas medical attention or assistance.

With this in mind you should make sure you can access the following documents when you travel.

• The Citi Credit Cards Complimentary Insurance Policy Information Booklet
• Copies of your overseas travel ticket; and either:
• your eligible credit card account statement and/or credit card receipt to confirm the purchase of your overseas travel tickets; or
• evidence confirming that your overseas travel ticket was arranged under the required travel program or the required number of reward or Qantas Frequent Flyer points were transferred or redeemed in exchange for your overseas travel ticket.

For general enquiries about your policy please contact AGA Assistance Australia Pty Ltd (Allianz Global Assistance) on 1800 072 791.

If you have a travel emergency, please contact +61 7 3305 7499.

Make a Claim

Call emergency services immediately if your condition is life threatening.

Call us as soon as you can on: +61 7 3305 7499 (overseas) 1800 010 075 (within Australia)

Please note additional charges may apply for any calls made from mobiles, public telephones or hotel rooms.

Lodge your International Travel Insurance claim online at travelclaims.com.au

Access claim forms 24 hours a day, 7 days a week at claims.agaassistance.com.au

Phone: 1800 072 791 (within Australia) 
Monday to Friday 8.30am to 5.00pm AEST

Email: [email protected]

Customer Support:

Phone: 1800 072 791 (within Australia)

Monday to Friday 8.00am to 7.00pm AEST

Call us as soon as you can on: +61 7 3305 7499 (overseas) 1800 010 075 (within Australia)

Phone: 1800 072 791 (within Australia) Monday to Friday 8.30am to 5.00pm AEST

Phone: 1800 072 791 (within Australia)

Citi Rewards cardholders can access to up to 3 months complimentary International Travel Insurance cover when meeting the eligibility criteria as set out in the Citibank Credit Card Complimentary Insurance Policy including:

Citi Rewards cardholders can access to up to 14 days complimentary Domestic Travel Insurance cover when meeting the eligibility criteria as set out in the Citibank Credit Card Complimentary Insurance Policy:

For the full list of benefits and the terms, conditions, exclusions, limits, applicable sub-limits and excesses that apply, please read the Citi Credit Cards Complimentary Insurance Policy Information Booklet effective 1 November 2023.

Citi Rewards cardholders are covered when the entire payment for the vehicle rental was charged to the accountholder’s card account.

The amount specified in your rental vehicle agreement up to the maximum total limit of $5,000 for all claims combined during the rental period.

Citi Rewards cardholders are covered when the entire payment for the vehicle rental was charged to the accountholder’s card account.

Citi Rewards cardholders are eligible for Purchase Protection Insurance for covered items and valuables:

provided the whole purchase price of the covered item is charged to the accountholder’s card account.

You are covered for the purchase price charged to card account except for jewellery, watches and new works of art which are limited to $5,000 per claim. Maximum total limit for all claims in any twelve (12) consecutive month period is $200,000 per card account.

provided the whole purchase price of the covered item is charged to the accountholder’s card account.

Citi Rewards cardholders are eligible for Extended Warranty Insurance when the whole purchase price of the covered item is charged to the accountholder’s card account.

You are covered for the purchase price charged to the card account limited to $10,000 per covered item up to a maximum total limit of $40,000 per card account in any 12 month period.

Citi Rewards cardholders are eligible for Extended Warranty Insurance when the whole purchase price of the covered item is charged to the accountholder’s card account.

For general enquiries about your policy please contact Allianz Global Assistance on 1800 072 791.

For general enquiries about your policy please contact Allianz Global Assistance on 1800 072 791.

Citi Gold cardholders are eligible for Purchase Protection Insurance for covered items and valuables:

Citi Gold cardholders are eligible for Extended Warranty Insurance when the whole purchase price of the covered item is charged to the accountholder’s card account.

Citi Gold cardholders are eligible for Extended Warranty Insurance when the whole purchase price of the covered item is charged to the accountholder’s card account.

Make a claim

Citi Classic cardholders are eligible for Purchase Protection Insurance for covered items and valuables:

Citi Classic cardholders are eligible for Extended Warranty Insurance when the whole purchase price of the covered item is charged to the accountholder’s card account.

Citi Classic cardholders are eligible for Extended Warranty Insurance when the whole purchase price of the covered item is charged to the accountholder’s card account.

Citi Simplicity and Clear cardholders are eligible for Purchase Protection Insurance for covered items and valuables:

Citi Simplicity and Clear cardholders are eligible for Extended Warranty Insurance when the whole purchase price of the covered item is charged to the accountholder’s card account.

Citi Simplicity and Clear cardholders are eligible for Extended Warranty Insurance when the whole purchase price of the covered item is charged to the accountholder’s card account.

Important Information

AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631 (trading as Allianz Global Assistance) under a binder from the underwriter, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 (Allianz) has issued a Complimentary insurance group policy to National Australia Bank Limited (ABN 12 004 044 937, AFSL and Australian Credit Licence 230686) (“NAB”) which allows eligible NAB account holders and cardholders to claim under it as third party beneficiaries by operation of s48 of the Insurance Contracts Act 1984 (Cth). NAB is the credit provider and issuer of Citi branded credit cards. NAB has acquired the business relating to these products from Citigroup Pty Limited (ABN 88 004 325 080, AFSL and Australian Credit Licence 238098) (“Citi”). Citi has agreed with NAB to provide transitional services in relation to the transferred business. Any advice on insurance is general advice only and not based on any consideration of your objectives, financial situation or needs. The terms, conditions, exclusions, limits and applicable sub-limits of the group policy are set out in the Citi Credit Cards Complimentary Insurance Policy Information Booklet which may be amended from time to time. Neither NAB nor Citi nor any of its related corporations guarantee this insurance.

AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631 (trading as Allianz Global Assistance) under a binder from the underwriter, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 (Allianz) has issued a Complimentary insurance group policy to National Australia Bank Limited (ABN 12 004 044 937, AFSL and Australian Credit Licence 230686) (“NAB”) which allows eligible NAB account holders and cardholders to claim under it as third party beneficiaries by operation of s48 of the Insurance Contracts Act 1984 (Cth). NAB is the credit provider and issuer of Citi branded credit cards. NAB has acquired the business relating to these products from Citigroup Pty Limited (ABN 88 004 325 080, AFSL and Australian Credit Licence 238098) (“Citi”). Citi has agreed with NAB to provide transitional services in relation to the transferred business. Any advice on insurance is general advice only and not based on any consideration of your objectives, financial situation or needs. The terms, conditions, exclusions, limits and applicable sub-limits of the group policy are set out in the Citi Credit Cards Complimentary Insurance Policy Information Booklet which may be amended from time to time. Neither NAB nor Citi nor any of its related corporations guarantee this insurance.

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Qantas Premier Credit Card

Who is the credit provider and issuer of Qantas Premier credit cards?

Why choose a Qantas Premier credit card?

How long does the application process take?

Can I transfer a balance from another credit card?

Who can apply for a Qantas Premier credit card?

Can I add an additional cardholder?

What’s the difference between the Qantas Premier Everyday, the Qantas Premier Platinum and the Qantas Premier Titanium card?

Can I have a Qantas Premier Platinum, Qantas Premier Titanium and Qantas Premier Everyday card?

How do I apply for a Qantas Premier credit card?

How do I remove an additional cardholder from my account?

How do I reduce the size of an image I need to upload?

Change my product

Can I still spend on my current credit card whilst my new one arrives?

Am I eligible for any sign up bonus Qantas Points when changing Qantas Premier credit cards?

What happens to any additional cardholders that are currently on my credit card?

How long will it take for a change of Qantas Premier credit card to be processed?

What will happen to any periodic payments I have set up on my card?

What will happen to the annual fees when my product change is approved?

What happens to the benefits on my card?

How can I change my Qantas Premier credit card account?

What happens to the statements from my old credit card?

Features and rewards

What travel insurance cover is included with my card?

What is ‘Get away interest free for 6 months’?

When will I receive my Lounge Invitations?

How many Qantas Premier Titanium flights discounts do I get a year?

Where can I use my Qantas Premier credit card?

Do bonus Status Credits expire?

How can I book a flight to earn bonus Status Credits?

How do I link my Lounge Invitations to a flight?

How many Qantas Points will I earn on purchases?

When will I receive my bonus Qantas Points?

What services are provided by the Qantas Premier Concierge?

How can I view the bonus Status Credits I’ve earned on my account?

Is there an interest-free period on my account?

What extended level of coverage does my Qantas Premier Titanium credit card provide?

If I cancel my booking, am I eligible for another Qantas Premier Titanium flight discount this year?

How do I make a travel insurance claim?

How can I use my Qantas Premier Titanium metal card for contactless payments?

What flights are eligible to earn bonus Status Credits?

Can I earn bonus Status Credits on Classic Reward bookings?

Which transactions will earn Qantas Points?

Can I use Points Plus Pay to book my flights and earn bonus Status Credits?

Do bonus Status Credits count towards Lifetime Membership tiers?

How long are my Lounge Invitations active for?

How do I claim any missing bonus Status Credits?

Can bonus Status Credit help me acquire or maintain Platinum One membership status?

How can I change my booking made using my Qantas Premier Titanium flight discount?

How do I order from Qantas Wine?

How do I sign up for my complimentary Qantas Wine Premium Membership from my Qantas Premier Titanium credit card?

How do I book discounted companion fares?

Can I book a multi-city flight using my Qantas Premier Titanium flight discount?

Where can I redeem my Lounge Invitations?

Can I share my Lounge Invitations with a person I’m travelling with?

How do I book a flight with my Qantas Premier Titanium flight discount?

My flight was cancelled, and I was moved to another flight, how do I claim my missing bonus Status Credits?

Complimentary Travel Insurance

Personal Baggage, Valuables, Money and Travel Documents

Trip cancellation and amendment, pre-existing medical conditions, other questions, eligibility for cover under the policy, overseas medical expenses.

Rates and fees

What interest rates apply?

What fees apply and when are they charged?

Balance Transfers

How can I get the most out of my Balance Transfer?

If I have Balance Transfers at different rates, which one does my credit card payments get applied to first?

What is a Balance Transfer?

What are the benefits of closing my other credit cards after a Balance Transfer?

How does a Balance Transfer work?

How does a Balance Transfer affect the interest charged on my account?

Managing your account

How do I report suspicious transactions?

How do I activate my card?

How can I pay bills with my card?

How do I decrease my credit limit?

How do I increase my credit limit?

How can I unsubscribe from marketing emails?

What should I do if my card is lost or stolen?

Why do I need to enter a password to access certain features?

How are my monthly repayments calculated?

How can I withdraw cash from my account?

Can I choose my own card PIN?

What format is the transactions file in?

How can I pay my credit card bill?

Where can I find my statements?

How can I manage my Qantas Premier account?

Will my replacement card have the same card number and PIN number?

How do I close my account?

How do I update my address or personal details?

How far back can I download my transactions?

How do I download my transactions?

How do I dispute a charge on my Premier credit card?

How are payments allocated if I have additional cardholders?

Cancelling a recurring payment

What is Apple Pay?

How does the Apple Pay experience compare to using my plastic card?

Which Qantas Premier products can be used with Apple Pay?

What do I need before I can start using Apple Pay?

Which devices are compatible with Apple Pay?

How do I set up my Qantas Premier card on Apple Pay?

How do I set my Qantas Premier card as the default card in Apple Pay?

Can I add the same card to more than one device using Apple Pay?

How do I remove my card from Apple Pay?

The card image I see in Apple Pay does not match my physical card. Is there an issue with my Apple Pay set up?

Can I add more than one card on Apple Pay?

Where can I use Apple Pay?

How do I make an in-store purchase with Apple Pay?

Do I need to have an active internet connection for Apple Pay to work?

Will I need to enter my card PIN?

Why was my request to add my card to Apple Pay declined?

How much of my credit card available limit can I access when using Apple Pay?

How can I reverse a transaction made using Apple Pay?

How do I return a purchase if I used Apple Pay to make the payment?

How can I keep track of purchases I’ve made with Apple Pay?

How do I dispute a purchase made with Apple Pay?

Can I use Apple Pay overseas?

Can I use Apple Pay at ATMs?

Is Apple Pay secure?

What is a Device Account Number?

What should I do if my device is lost or stolen?

Does Apple Pay have access to my credit card account?

If my device is formatted or jailbroken, will my Apple Pay information remain on it?

Will I continue to enjoy the features and benefits of my Qantas Premier credit card, including points earn, when I use it for payment with Apple Pay?

What should I do if I lose my card and I’m issued a replacement card?

What should I do if my card expires and I’m issued a renewed card?

Can I continue to use my physical card if I disable Apple Pay or remove my digital card from Apple Pay?

If I switch devices, do I need to set up my card in Apple Pay all over again?

If my device is formatted or jailbroken, will my Google Pay information remain on it?

What is Google Pay and Google Wallet?

Can I use Google Pay overseas?

Can I add more than one card to Google Wallet?

How do I make a purchase using my Qantas Premier Card in apps and websites?

How much of my credit card available limit can I access when using Google Pay?

How do I return a purchase if I used Google Pay to make the payment?

Can Additional Cardholders add their cards to Google Wallet?

Will I need to enter my card PIN with Google Pay?

How can I keep track of purchases I’ve made with Google Pay?

Can I add the same card to more than one device?

How do I remove my card from Google Wallet?

How do I make a purchase using my Qantas Premier card in-store?

Can I continue to use my physical card if I disable Google Pay or remove my digital card from Google Pay?

If I switch devices, do I need to set up my card in Google Pay again?

How do I reverse or dispute a Google Pay transaction?

Will I continue to enjoy the same features and benefits of my Qantas Premier credit card, including points earn, when I use it for payment with Google Pay?

Do I need to have an active internet connection for Google Pay to work?

Does Google Wallet or Google Pay have access to my credit card account?

What happens if there are fraudulent transactions made using Google Pay?

What should I do if I lose my card, or my card expires and I'm issued a replacement card?

What happens if my device is lost or stolen?

Why was my request to add my card to Google Wallet declined?

Whom can I talk to for further help with Google Pay?

Which Qantas Premier credit cards can be used with Google Pay?

How do I set my Qantas Premier Card as the default card in Google Wallet?

Where can I use Google Pay?

How do I set up Google Pay and add my Qantas Premier card?

Are Google Wallet and Google Pay secure?

Which devices are compatible with Google Pay?

Instalment Plans

Can I change the term of my Instalment Plan?

How will my repayments be applied to my card?

Can I have more than one Instalment Plan?

How do I make the monthly instalment repayment?

Who can create an Instalment Plan on my card?

Does an Instalment Plan earn Qantas Points?

What happens if I return a purchase that was converted into a Statement Instalment Plan?

How do instalment plan(s) appear on my statement?

How can I track my instalment plan?

Can I pay more than my monthly instalment amount?

Why am I not eligible for a Cash Instalment Plan?

Is the instalment plan amount part of my existing credit limit?

When will I be charged my first monthly instalment?

Can I pay off my instalment plan early?

Will I be able to set up a Statement Instalment Plan if I have a direct debit set up?

What is a Statement Instalment Plan?

Will an instalment plan affect my interest-free days on my purchases?

Is there a fee to set up an instalment plan?

What happens if I miss paying the initial interest charge or monthly instalment repayment by the Payment Due Date?

Open Banking

What is Open Banking?

What information can be shared with Accredited Data Recipients (ADRs)?

How does data sharing work?

Can any institution request access to my data?

Where can I find out more about the Consumer Data Right legislation?

Financial difficulty

What if I’m finding it hard to meet my Qantas Premier credit card repayments?

Loss of a loved one

How can I tell which emails are genuine?

What do I do if I receive a suspicious phone call?

How does Qantas Money protect my Qantas Premier account?

How does Qantas Money protect my financial data?

How can I protect myself online?

What are some scams I need to be aware of?

Customer Support and Complaints

Accessibility and Disability Support - Qantas Premier credit card

Managing your cash flow during COVID-19

Family and Domestic Violence

Coronavirus update

How do I lodge a complaint relating to my Qantas Premier Credit Card?

Qantas Travel Money Card

Changes to Qantas Travel Money

Why is Qantas Travel Money changing to Qantas Pay?

Does my existing Qantas Travel Money card still work?

How do I join and get a Qantas Pay card?

How do I access my Qantas Travel Money account after 21 May?

Will I still earn points with Qantas Pay?

Can I use my Qantas Travel Money card as my Qantas Frequent Flyer membership card?

Can I activate my Qantas Travel Money replacement card after 21 May?

Can I activate my Qantas Travel Money card for the first time after 21 May?

What is changing for the Qantas Frequent Flyer membership card?

How can I access my Qantas Frequent Flyer number?

How can I access and set my Qantas Pay card PIN?

Does Qantas Pay have a digital card?

What fees apply to Qantas Pay?

Can I schedule recurring currency loads from my nominated bank?

General information

Which currencies are available on Qantas Travel Money?

What is the Qantas Card and Qantas Travel Money all about?

Who's eligible for Qantas Travel Money?

Is Qantas Travel Money a credit card or a debit card?

Why does the Qantas Card have two sides?

Does this mean that Qantas is now also a bank?

What are the benefits of Qantas Travel Money?

Apply and activate

How do I apply for and activate Qantas Travel Money?

How do I enable the travel money facility on my Qantas Card?

How do I get the Qantas Card and Qantas Travel Money?

If I select to be verified against Illion (formerly Dun & Bradstreet) records will a credit check be conducted?

Can I apply for and activate Qantas Travel Money if I have a foreign passport?

How do I use Qantas Travel Money?

What if the details on the Qantas Travel Money identity verification form are incorrect?

What if I don’t have an Australian Passport or an Australian Driver’s Licence?

What do I do if I'm unable to activate Qantas Travel Money online?

What if I don't want to use Qantas Travel Money?

I’ve forgotten my Qantas Travel Money card PIN, how do I retrieve it?

What if my PIN is blocked at an ATM or in-store?

How do I get my card PIN?

Is my card PIN different to my Qantas Frequent Flyer PIN?

How do I change my PIN?

Rates, fees and limits

What exchange rate applies to Qantas Travel Money?

What fees apply to Qantas Travel Money?

What limits apply to Qantas Travel Money?

Do fees apply if I don’t have the local currency on my card?

What happens if I make a purchase in a foreign currency and I don’t have enough money in that currency on my card?

Can I arrange a back-up or secondary card?

How do I cash out remaining funds on the Qantas Travel Money card?

How do I transfer between currencies on the Qantas Travel Money card?

What is a pre-authorisation?

Does the card come with Mastercard Contactless?

Do I get a line of credit or overdraft with Qantas Travel Money?

I am a Qantas Club member and have a Qantas Club card. Do I need both cards?

How do I update my local time and time zone?

When to use

Where can I use Qantas Travel Money?

Can I use Qantas Travel Money if the local currency isn’t available?

Can Qantas Travel Money be used for Qantas in-flight duty free purchases?

Can I use Qantas Travel Money to pay for flights at qantas.com?

Using overseas

Is there anything I need to do before I go overseas?

Do I press Cheque, Savings or Credit when I make a purchase or withdraw cash using Qantas Travel Money?

Can I view my Qantas Travel Money balances at overseas ATMs?

What should I do with my card when I return from overseas?

What will happen if the local currency isn’t available to load on Qantas Travel Money?

I’d like to use Qantas Travel Money in the United States - will my card be accepted?

Should I pay in Australian dollars instead of the local currency when I’m overseas?

Are there any countries where the Qantas Travel Money Card won’t work?

Transactions

Why has a transaction declined when I have enough funds on the card to complete the purchase?

Why would an online transaction be declined if I have enough money to complete the purchase on the card?

Contact Information

Accessibility and Disability Support - Qantas Travel Money

What should I do if my card is lost, stolen or damaged?

How do I lodge a complaint relating to my Qantas Travel Money Card?

Qantas Money App

Understanding your PINs and Passwords

Can I use my fingerprint to log in?

The app doesn’t recognise my fingerprint

What if I’ve forgotten my passcode?

How do I log out?

Managing your finances

Why use the Qantas Money app?

Connecting accounts

How do I delete an account?

What does ‘pending’ mean?

I can’t see my transactions

I can’t find my bank in the list

Can I transfer money using the app?

Is it OK to enter my online banking login details?

How do I add a new account with a connected financial institution?

What type of accounts can I connect?

Why is the transaction date different to the date I made the transaction?

When are my balances and transactions updated?

Transaction categories

How are my transactions categorised?

What happens to my categories if I delete an account?

Are my categories applied to past transactions?

Notifications

What are notifications?

What kind of notifications can I set up?

How do I receive notifications?

Is there a cost for receiving notifications?

How do I set up notifications?

Can I delete or change my notifications?

Will I receive notifications if I’m not connected to the internet (e.g. Wi-Fi, 4G, etc)?

Can I view notifications I’ve previously received?

Why do I need to turn on my App Notifications settings?

Why can I see a notification in my notification history that I didn’t receive?

I’ve received a notification, but can’t see it in my history?

Can I set my own Travel Money low balance alert amount?

Why can’t I find notifications in the app?

How can I make sure that I get access to all available notifications?

What happens when new types of notifications become available?

Contact details

How do I update my contact details?

What if I notice a suspicious transaction?

Qantas Points

Missing Qantas Points?

How can I use my Qantas Points?

How do I view my Qantas Points balance?

Card Offers

Card Linking

Can I link an additional card to Card Offers?

Can I use any card that I have added to my Qantas Money App for Card offers?

Can I link another card in addition to my Qantas Premier Card?

Can I link and earn points with a debit Mastercard® or Visa® card?

Why can't I see my Card Offers on the Qantas Money website?

Why am I not receiving any/many offers?

How long will my offers be valid for?

What are the terms and conditions of the offers?

Why am I receiving offers that don't seem well matched to me?

Can I share an offer with my partner/friend etc?

Why did my friend get an offer for a specific store and I did not?

Are offers applicable to both purchases in-store and online?

What retailers are included in the program?

Earning bonus Qantas Points

Why does it take up to 15 days to receive my points?

How can I check if I have successfully earned points on an offer?

Missing Points

How do I follow up on missing points from Card Offers?

What if I forget to use my linked card, can I still earn the points?

How can I opt out of Card Offers?

All Categories ​>​ ​Qantas Premier Credit Card ​ > ​ ​Complimentary Travel Insurance

The FAQs are a summary only; they are not an exhaustive list of the coverage, terms, conditions or exclusions in the policy. Limits apply and vary with each plan. Please refer to the Terms and Condit…

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How to File a Travel Insurance Claim

W hen it comes to travel, there are generally two types of people: people who cannot travel as it is too expensive and those who budget $4,000 per year for vacations, according to Forbes. Travel is costly, so people often purchase travel insurance to safeguard their financial investment from unforeseen events like illnesses, luggage delays, personal emergencies, and more.

When policyholders pay honest money for an insurance policy to offer protection, they want to be able to reap the benefits of the travel insurance claim. If your travel insurance company has denied payment, our tips on how to properly file a travel insurance claim may be helpful.

Why Buy Travelers Insurance?

Travel is generally less stressful with vacation insurance — it is packaged as a wise investment that can protect you against financial losses due to unexpected events. For instance, the U.S. State Department highly recommends international travel trip insurance as Medicare and Medicaid often do not cover overseas medical costs.

The travel insurance premium is relatively small compared to the non-refundable trip costs you could lose in a bad situation. It is particularly worth it if your trip involves non-refundable costs, international travel, or travel to a remote area with limited healthcare facilities or regions prone to natural disasters.

Some of the primary reasons people buy trip insurance are to help offset:

• Emergency medical services and treatment
• Cancellations due to a sudden illness or serious health condition
• Emergency evacuation
• Loss of a friend or family member
• Compromised destinations
• Delayed or lost luggage
• Trip interruption or cancellation

What Is Not Covered By Travel Insurance?

The best insurance policies cover basic and common travel risks and bundle different coverage types related to trip cancellation, medical issues, luggage or trip delays, and more. Travel insurance is not meant to cover all foreseeable events, and every policy will address exclusions differently. Examples of potential limitations are:

• Tropical storms, hurricanes, and other dangerous weather conditions
• Certain medical issues
• Acts of war
• High-risk behavior involving drugs, unlawful acts, or riots
• Government-imposed restrictions

Travel insurance claims submitted without proper documentation or cancellation for reasons not covered by your travel policy are surefire ways to prevent coverage and reimbursement. This is why it is helpful to understand travel insurance coverage properly and take appropriate actions before assuming foul play.

Can You Cancel Travel Insurance and Get a Refund?

Most travel insurance carriers allow refunds, depending on when a policy is canceled and if there is a money-back guarantee. Most insurers ask that the policy be revoked during the review period outlined in the contract terms to qualify for a complete travel insurance refund. If the review period has passed, then policyholders might be eligible for a partial refund or not qualify for one at all.

What To Do if a Travel Insurance Claim Is Denied

If your travel insurance claim submitted for medical reasons, delays, cancellations, or any other reason was denied by your insurer, then remember that you have options. Both denials and rejections may happen for valid as well as unethical reasons. An insurance claim denial is not the end of the road; you can dig deeper to figure out whether you can still be reimbursed under your insurance.

Travel insurance claims are routinely denied when policyholders make common mistakes in their claim forms, or they mistakenly assume their policy covers their specific situation. Good faith denials happen when policyholders do not fill out their travel insurance claim form correctly, do not submit the right documents, or do not include info like contact details for follow-up questions.

In some cases, travel insurance companies may wrongly deny claims and stall the claims process. For instance, they might fail to investigate the claim or conduct proper due diligence. In such scenarios, it is advisable that policyholders adjust and resubmit their insurance claim, appeal the denial, or pursue legal action if insurers continue to illegally hold their payout.

How To Appeal a Travel Insurance Claim: 4 Steps

The travel insurance claim appeal process allows policyholders to ask the insurer to reconsider its decision. When appealing their travel insurance claim, policyholders must:

• Carefully Review the Denial Letter: Review the specific reasons for the denial to determine your next steps. Cross-check the reasons stated with your policy documents, additional emails, and other papers.
• Review Your Policy: Review the terms of your travel insurance policy and pay attention to disclaimers, damage limits, filing time limits, and submission requirements.
• Reach Out for Assistance: After carefully reviewing your policy, if you find the denial letter and policy terms do not line up, contact an insurance legal expert with experience in handling travel insurance claims for help.
• Gather Documentation and Keep Careful Records: Maintain communication records with your insurer, copies of denial letters, and other documentation regarding your claim.

How To Write a Travel Insurance Claim Letter

Sometimes, travelers have to file a trip insurance claim when their vacation does not go according to the plan. A travel insurance claim letter is a formal piece of communication between you and your insurance agency. Its purpose is to ask for reimbursement for covered damages or losses under the travel insurance policy. Therefore, it is important to craft a professional and detailed claim letter to increase your chances of a favorable resolution.

A claim letter should include the following information:

• Introduce Yourself. Include all relevant information of the person appealing (such as the policy number and contact information).
• Address the Denial. Summarize the date you received the letter and why the denial was made. Do not leave out any important details.
• Point Out the Error. Explain why you do not agree with the claims denial, based on your policy and pertinent information.
• Attach Extra Documents. Include all other documents supporting your trip insurance claim, such as photos, additional correspondence, transcripts of phone calls, etc.

How Long Does It Take To Get Reimbursed From Insurance?

Travel insurance companies generally process most claims within a few weeks. Sometimes, the insurance claims process office might have follow-up questions, thereby increasing the time you can expect to hear back. However, if you feel that your insurance claim is taking months to resolve without a proper reason, you should speak to an experienced insurance dispute lawyer. While every situation is different, policyholders should always keep careful and consistent notes as it will help them take informed legal action if necessary.

Travel Insurance Claims Advice on Documentation

You must be thorough with your documentation to enhance your chance of successful recovery. When you file a trip claim, your insurer will more likely refund travel insurance when you include the following information in your claim submission:

• Lost Luggage: Make a list of what was lost, along with the details and cost of each lost item.
• Job Loss: Request that your previous employer send you a notarized letter on company letterhead in the case of a trip cancellation due to job loss.
• Medical Emergency: Include detailed medical records in your claim if a health emergency kept you from traveling.
• Canceled/Delayed Flight: If you could not attend your trip because the flight was canceled or delayed, provide proof such as an email that relays the reasons (mechanical issues, weather, etc.).
• Receipts for Delayed Flights: You might want to keep receipts for necessary expenses incurred due to delays, like hotel stays, transportation costs, meals, and personal necessities.
• Police Reports: These reports can help substantiate claims made for stolen items or car troubles.
• Other Reports: You may include tickets for unused flights or excursions in your insurance claim.

Has a Formal Complaint Been Filed Against the Travel Supplier?

Formal complaints against travel suppliers are helpful in legal cases dealing with similar situations. The Van Rossem v. Penney Travel Service (April 15, 1985) case exemplifies travel insurance gone wrong.

In this case, a newlywed couple arranged a honeymoon trip with travel agent Penney Travel. The agent used a wholesaler, Lotus Tours, to book the reservation without the couple's knowledge. Lotus Tours abruptly went bankrupt before booking the client's reservation with SANDLES, which remained unpaid. When the case came before the court, the judge noted that "an agent who makes the contract in his own name for an undisclosed principal is liable as a principal." Here, the defendant had failed to disclose the identity of Lotus Tours, and so, it was responsible as the principal. The couple had paid $2,059 in advance. The judge awarded them reimbursement of $1,312, plus costs and disbursements.

In another lawsuit, Touhey v. Trans National Travel , a travel agent did not check to see if the hotel a client had booked was duly constructed. The plaintiff-client was awarded $25,000 in special damages because of the mistake.

What Are Bad Faith Insurance Practices?

Bad faith insurance refers to unethical insurance practices used by an insurer to delay, deny, or lowball policyholders. Examples of bad faith insurance practices include:

• Misrepresenting contract language to prevent a payout
• Failing to disclose policy limitations and exclusions to policyholders
• Making unreasonable demands, like excessive paperwork requests to prove a covered loss

Sometimes, only a seasoned insurance dispute lawyer who regularly deals with contract breaches and bad faith claims can identify honest errors from serious red flags and help a policyholder get paid their due.

How to File a Travel Insurance Claim: A Summary

Travelers usually plan their vacations down to the last detail. Travel insurance is a buffer for unplanned curveballs that can derail even the most meticulous plans, such as medical emergencies or misplaced luggage.

Insurance companies are explicit about what travel mishaps or unexpected events they will or will not cover, which is why it is crucial to understand policy limitations and how to properly file a travel insurance claim.

As a final snapshot, the key steps to filing a travel insurance claim include:

• Reviewing policy terms and exclusions.
• Gathering necessary documentation based on submission requirements.
• Submitting your claim according to the insurer's timing and filing guidelines.
• Filing an appeal if an insurance claim is wrongly denied.
• Consulting an experienced insurance dispute lawyer to assist with an intentionally stalled, denied, or undervalued claim.

Travel insurance claims can become challenging, depending on the situation and response from your insurer. When small bumps in the road become permanent roadblocks, it is helpful to know that qualified travel insurance claims attorneys are available to help frustrated policyholders recover their losses. 

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How do I make a claim on my travel insurance?

To make a travel insurance claim, please login to our Membership Services(opens in a new window) . Alternatively, you can contact us on the numbers below.

0345 609 0453 (Relay UK 18001 0345 609 0453). Lines are open 24/7. If you need emergency assistance whilst abroad call us on: 0345 609 0453 or +44 1252 763 658. Lines are open 24/7, 365 days a year. Charges may apply. Calls may be recorded.

01252 308 792 (Relay UK 18001 01252 308 792). Lines are open 24/7. If you need emergency assistance whilst abroad call us on: 0345 601 5219 or +44 125 230 8792. Lines are open 24/7, 365 days a year. Charges may apply. Calls may be recorded.

0345 601 7188 (Relay UK 18001 0345 601 7188). Lines are open 8am-6pm Mon-Fri, and closed Saturday, Sunday and bank holidays. If you need emergency assistance whilst abroad call us on: 0345 601 7188 or +44 2392 660 340. Lines are open 24/7, 365 days a year. Charges may apply. Calls may be recorded.

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Travel Insurance claims

What to do if the unexpected happens.

If you need immediate emergency assistance, contact the local emergency services at your destination. Otherwise, if the unexpected happens while you’re on your trip, contact us on +61 7 3305 7499 as soon as you can. If you need help while travelling, Australian-based case managers are here for you 24/7, with registered nurses and doctors available. Call charges may apply.

If you can’t call us right away, make sure you keep any documentation that may help with your claim. This could include things like receipts, invoices, medical records, or police reports. 

How to make a Travel Insurance claim

1. complete the claim form, 2. provide supporting documentation, 3. we’ll be in touch, the details we need.

• Your policy number and personal details
• Supporting documentation for your claim (this could include your itinerary, receipts, authorisation letters, medical records, police reports, or flight details)
• Bank account details for payment of your claim

Tracking and updating your claim

If you don’t have all the information or documentation to complete your claim online, you can save it at any point and come back to it when you’re ready. Once your claim has been submitted online, you won’t be able to edit the details of your claim submission. You can email additional information together with your Online Submission Number (OSN) to Travel Claims . Your OSN is a unique number attached to your claim so we can identify it. It’s given to you when you submit your claim.

You can also track the progress of your claim online . You’ll need your OSN, last name and date of birth.

What happens next?

Once we’ve received your claim, we’ll do the following:

• Send you an email confirmation with a summary of your claim, including your OSN.
• Contact you within 10 business days to give you an update on the progress of your claim and encourage you to contact us if you have any questions.
• Assess your claim and contact you if we need more information.
• Provide you with a written outcome of your claim. If your claim is accepted, we’ll make prompt payment and provide transaction details. If your claim isn’t accepted, we’ll advise you of the reasons and your right to request a review.

Complaints and dispute resolution

We strive to do things the right way and keep our customers happy, but we understand that not everyone agrees with the outcome of their claim. We aim to resolve disputes in an honest, efficient, fair, transparent and timely manner. If you’re not happy with an outcome or decision made about your claim, please contact us and we’ll aim to resolve your complaint using our internal dispute resolution (IDR) process . 

Allianz Global Assistance contact details

Allianz Global Assistance website

1300 795 636

Email IDR Committee

Locked Bag 3014, Toowong DC QLD 4066

If you’re not happy with how we’ve handled your complaint, or we don’t make a decision within the timeframe we tell you, you can escalate your complaint to the Australian Financial Complaints Authority (AFCA). AFCA provides a free and independent dispute resolution service for consumers who have general insurance disputes falling within its terms. 

 If you want to refer your complaint to external dispute resolution, you can contact AFCA using the following details:

The Australian Financial Complaints Authority

AFCA website

1800 931 678

GPO Box 3, Melbourne VIC 3001

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Frequently asked questions.

Call emergency services in your location immediately if your condition is life threatening.

Otherwise, call us on +61 7 3305 7499 (overseas) or 1800 010 075 (within Australia). Additional charges may apply for any calls made from mobiles, public telephones or hotel rooms.

If you receive medical treatment overseas, you can either:

• pay for your reasonable medical bills and submit a claim for reimbursement or 
• submit the account with your claim form to Allianz Global Assistance to pay the provider directly. 

In both scenarios, the expenses will be reviewed to determine if coverable by the policy.

Medical expenses must be incurred on the advice of a Medical Adviser. Make sure that you obtain a detailed medical report outlining the condition treated and treatment received.

Base excess

Every travel insurance policy has a base excess, which will be shown on your Certificate of Insurance. It'll apply to all insured events causing a claim, except under certain benefits. Refer to the Excesses section of the Product Disclosure Statement (PDS) for the benefits that don’t have an applicable excess. 

When buying your policy, you’ll have the option to choose your base excess amount. You may vary the base excess on any of our plans by choosing to:

• pay an additional premium to decrease the base excess or
• reduce the premium you pay for your policy by increasing the base excess. 

Medical excess

Additional excess.

Some benefits attract an additional non-removable excess which is applied on top of the base excess.

Snow and Adventure packs have an additional excess of $500 per pack meaning you’ll need to pay a $500 excess in addition to your chosen base excess for Overseas Medical & Hospital Expenses or Cancellation claims resulting from your participation in snow sport or adventure activities. Refer to the Excesses Section of the PDS for more information. 

We support the General Insurance Code of Practice. The purpose of the Code is to raise standards of practice and service in the general insurance industry.

If we refuse your claim or part thereof, you can request a review. If you're still not happy with the outcome of your claim, you can have your situation reviewed as part of the Allianz Global Assistance internal dispute resolution (IDR) process. Refer to the Product Disclosure Statement (PDS) under the heading ‘Complaints and disputes’ for more details.

Our Client Services Department contact details are:

1300 725 154

Allianz Client Services

Level 16, 310 Ann Street

Brisbane, QLD 4066

If you’re not satisfied with our response or you feel your matter isn’t resolved, you can refer your complaint or dispute to the Australian Financial Complaints Authority (AFCA) . AFCA provides a free and independent dispute resolutions service for consumers who have general insurance disputes falling within its terms.

AFCA’s contact details are:

Australian Financial Complaints Authority

Melbourne, VIC 3001

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Any advice here does not take into account your individual objectives, financial situation or needs. Terms, conditions, exclusions, limits and applicable sub-limits apply. Before making a decision about this insurance, please consider the relevant Product Disclosure Statement (PDS)/Policy Wording and Supplementary PDS (if applicable). Where applicable, the PDS/Policy Wording, Supplementary PDS and Target Market Determination (TMD) for this insurance are available on this website.

Travel Insurance is issued and managed by AWP Australia Pty Ltd ABN 52 097 227 177 AFS Licence No. 245631, trading as Allianz Global Assistance (AGA) as agent of the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFS Licence No. 234708 (Allianz). Travel Insurance is underwritten by the insurer Allianz. Terms, conditions, exclusions, limits and applicable sub-limits apply.

We don’t provide advice based on any consideration of your objectives, financial situation or needs. Before making a decision, please consider the Product Disclosure Statement available on this website. If you purchase this insurance, AGA will receive a commission that is a percentage of the premium. Ask us for more details before we provide you with any services on this product.

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Tin Leg Travel Insurance Cost

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• Why You Should Trust Us

Tin Leg Travel Insurance: An In-Depth Review

Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate insurance products to write unbiased product reviews.

Before finalizing your travel plans, look into various insurance policies to safeguard yourself against potential risks. Travel insurance is an invaluable resource that can protect you from many unforeseen issues, but not all companies provide the same level of coverage. And some companies' policies may cost more than others.

That's where Tin Leg Travel Insurance comes in. Created by travel agency Squaremouth, Tin Leg Travel Insurance offers eight different plans with varying coverage levels and benefits, with the option to add Cancel for Any Reason (CFAR) coverage to select plans. Keep reading to see if Tin Leg Travel Insurance is the right travel insurance for you.

Trip cancellation coverage for up to 100% of the trip cost and trip interruption coverage for up to 150% of the trip cost

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Policy coverage includes most pre-existing health conditions
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Generous medical and evacuation amounts for peace of mind
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. COVID coverage included by default on all insurance plans
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Offers a wide range of plans for various budgets and travel needs
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Some plans offer CFAR, “cancel for work reasons,” financial default, and unemployment coverage
• con icon Two crossed lines that form an 'X'. Limited add-on coverage options
• con icon Two crossed lines that form an 'X'. Baggage loss and delay coverage is low compared to competitors

Tin Leg travel insurance offers eight travel insurance plans to meet the unique needs of travelers.

• Tin Leg was founded in 2014 by the travel insurance industry experts at Squaremouth. Designed to meet the most common needs of travelers, these policies offer comprehensive Trip Cancellation and Trip Interruption benefits, and a range of Emergency Medical and Medical Evacuation limits.

Overview of Tin Leg Travel Insurance

Tin Leg Travel Insurance is a travel insurance provider founded in 2014 by travel insurance aggregator SquareMouth. With eight different plans, Tin Leg Travel Insurance is one of the providers listed in our guide on the best travel insurance companies , specifically for travelers with pre-existing conditions. We chose Tin Leg Travel Insurance because seven of its eight plans offer pre-existing condition waivers, with a 15-day purchase window and no extra cost.

That said, Tin Leg Travel Insurance has other coverages that are noteworthy. Its coverage limits for emergency evacuation go up to $1 million, which is great particularly if you have nautical travel plans as water-to-land rescues can be costly.

Additionally, sports equipment loss is included with seven of Tin Leg Travel Insurance's eight plans. However, you will need to call for more information on adventure sports, as Tin Leg Travel Insurance doesn't guarantee coverage.

Tin Leg's Travel Insurance Plans

Tin Leg Travel Insurance travel insurance offers eight travel insurance plans: Economy, Basic, Standard, Luxury, Adventure, Silver, Platinum, and Gold. Each plan offers varying levels of protection that correspond to the premium costs.

Here's a look at what you'll get with each plan. We've split the eight plans into two tables to make things easier to follow.

Here's how the Adventure, Silver, Platinu, and Gold plans compare:

Additional Coverage Options

Tin Leg Travel Insurance travel insurance offers additional coverage options, but they're only available on specific plans.

You can add rental car damage coverage to the Luxury plan for an additional fee. And both the Gold and Silver plans allow you to add on CFAR (cancel for any reason) coverage . With CFAR coverage travel insurance, you can cancel for any reason not listed in the base policy and be reimbursed — in the case of Tin Leg Travel Insurance, for 75% of your trip costs.

How to Purchase and Manage Your Tin Leg Policy

Travel insurance coverage varies greatly, and  the amount you pay reflects the range of protection . However, since travel insurance protects your financial investment, it's typically worth spending a few extra dollars for higher coverage maximums, especially for medical insurance and evacuation expenses.

Getting a quote from Tin Leg Travel Insurance travel insurance is an easy process. You can do so from their website or an insurance aggregator like SquareMouth. You should be prepared to provide the following information:

• Number of travelers
• Age of traveler(s)
• Duration of trip
• Whether you want trip cancellation coverage
• Date of booking
• If you have any trip payments left to make
• One country you're traveling to
• Country of residence/citizenship

After inputting some personal information, such as your age and state of residence, along with your trip details, like travel dates, destination, and trip costs, you'll get an instant quote for the plans available for your trip. And from there, it's easy to compare each option based on your coverage needs and budget.

Now let's look at a few examples to estimate Tin Leg Travel Insurance's coverage costs.

As of April 2024, a 23-year-old from Illinois taking a week-long, $3,000 budget trip to Italy would have the following  Tin Leg Travel Insurance travel insurance quotes:

Premiums for Tin Leg Travel Insurance plans are between 1.8% and 3.9% of the trip's cost, well below the average cost of travel insurance . It's also relatively cheap compared to many of its competitors

Tin Leg Travel Insurance provides the following quotes for a 30-year-old traveler from California heading to Japan for two weeks on a $4,000 trip:

Once again, premiums for Tin Leg Travel Insurance plans are between 3.4% and 5.2%, below the average cost for travel insurance.

A 65-year-old couple looking to escape New Jersey for Mexico for two weeks with a trip cost of $6,000 would have the following Tin Leg Travel Insurance quotes:

Premiums for Tin Leg Travel Insurance plans are between 6.9% and 9.4%, which is roughly in line with the average cost for travel insurance. This is to be expected, as travel insurance is often more expensive for older travelers.

How to File a Claim with Tin Leg Travel Insurance

One exceptionally nice aspect of Tin Leg Travel Insurance is that you can report a claim online or over the phone. You can contact Tin Leg Travel Insurance's claims department at 844-240-1233 or by email at [email protected] . It's available on weekdays between 8 a.m. and 4 p.m. ET.

You'll be asked to fill out a claims form that asks about your trip details and the issue you faced. Tin Leg Travel Insurance will then ask you to file supporting documents related to your claim. If you're filing a claim because you canceled a flight due to an illness, they'll likely require medical documentation that supports this claim. 

Tin Leg Customer Service and Support Experience

Tin Leg Travel Insurance is well reviewed, receiving an average of 4.6 stars out of five on SquareMouth across nearly 3,800 reviews. Reviews on its Better Business Bureau are consistent with its SquareMouth score, also averaging 4.6 stars across over 110 reviews, admittedly a limited sample size. Additionally, Tin Leg Travel Insurance is not certified with the BBB.

While most customers reported a smooth and speedy claims service, some noted that communication from Tin Leg Travel Insurance during the process can be spotty. Additionally, customers complained about their claims being denied due to requirements they were unaware of when purchasing coverage. One customer wrote about how they had to cancel a trip because of work, but hadn't been working at their company long enough to qualify for trip cancellation coverage.

See how Tin Leg Travel Insurance travel insurance stacks up against the competition. 

Tin Leg Travel Insurance vs. AIG Travel Guard

To compare Tin Leg Travel Insurance travel insurance to Travel Guard , we'll consider the coverage limits from their highest-rated, Gold and Travel Guard Deluxe plans, respectively.

With AIG Travel Guard's Deluxe plan, you'll get:

• Trip cancellation coverage up to $150,000
• Trip interruption coverage up to $225,000
• Emergency medical coverage of $100,000
• Coverage for baggage loss, theft, or damage up to $2,500
• Travel delay coverage of up to $1,000

Comparing those coverages with Tin Leg Travel Insurance's Gold plan, you'll see that AIG's coverages are better than Tin Leg Travel Insurance's in all areas except one – emergency medical. While AIG offers emergency medical coverage of $100,000, Tin Leg Travel Insurance's coverage limit is $500,000 (in primary coverage).

If the medical coverage piece is what's most important to you, Tin Leg Travel Insurance would be the right choice in this scenario. That said, having $100,000 in emergency medical coverage is nothing to scoff at, so it may come down to comparing premium costs.

Remember that the premium costs will depend on the traveler's age, trip destination, and trip cost. So you'll need to compare these two insurers using your trip-specific information to get a solid idea of the costs associated with each plan.

Read our AIG Travel Guard insurance review here.

Tin Leg Travel Insurance vs. Allianz Travel Insurance

Both Allianz Travel Insurance and Tin Leg Travel Insurance travel insurance offer a variety of travel insurance plans designed for different types of travelers with varying types and degrees of coverage.

In this comparison, we'll look at Allianz Travel Insurance's most popular single-trip plan, the OneTrip Prime plan, compared to Tin Leg Travel Insurance's Basic plan.

With Allianz Travel Insurance's most popular single-trip OneTrip Prime plan, you'll get:

• Up to $100,000 in trip cancellation coverage
• Up to $150,000 in trip interruption coverage
• $50,000 in emergency medical coverage
• Up to $1,000 in coverage for baggage loss, theft, or damage
• Up to $800 in travel delay coverage

In looking at Tin Leg Travel Insurance's basic plan, you'll find that these two policies offer the same $50,000 coverage limit for emergency medical. Still, Allianz Travel Insurance's plan exceeds Tin Leg Travel Insurance's in the other coverage limits. That said, you'll have to quote both of these policies using your personal trip information to make an informed decision, especially if cost is the most important factor to you.

Read our  Allianz travel insurance review here.

Tin Leg Travel Insurance vs. Credit Card Travel Insurance

Do you have a travel credit card? If so, consider the type of insurance coverage it may (or may not) offer. Some basic coverages, like primary rental car insurance, are provided through your credit card's travel protection . And if you don't need medical coverage or don't have a lot of non-refundable trip expenses, the coverage offered by your credit card could suffice.

That said, don't forget that credit card coverage is sometimes considered secondary coverage. That means you'll have to file a claim with any other applicable insurer before filing a claim with your credit card company.

Read our guide on the best credit cards with travel insurance here.

Tin Leg Travel Insurance FAQs

All policies except Economy cover pre-existing medical conditions as long as you purchase your policy within 15 days of trip deposit.

You have 14 days after you purchase your policy to refund your Tin Leg Travel Insurance policy, as long as you haven't left for your trip. 

All Tin Leg Travel Insurance travel insurance policies include 24/7 emergency assistance services.

Tin Leg Travel Insurance claims can be submitted online or over the phone at 844-240-1233 during business hours. You'll need to provide details about your trip and the problem that arose during your trip. The claims process is quick, according to customer reviews, but be sure to review your policy for guideline related to claims. 

Yes, all tiers of Tin Leg Travel Insurance travel insurance offer cancellation coverage if you or a non-traveling loved one contracts COVID-19, though you will need to provide a positive test to receive reimbursement. 

Why You Should Trust Us: How We Reviewed Tin Leg

To review Tin Leg Travel Insurance travel insurance, we looked at several different factors. These included premium costs, coverage categories, and claim limits. In addition, we compared the policies and premiums available through Tin Leg Travel Insurance to those from the best travel insurance providers to see how they stack up — and also considered any additional add-on coverages available and the ease of getting a quote and filing a claim.

In the end, the best policy for you will be the one that provides the coverage you need and limits you're comfortable with while also staying within budget.

Read more about how Business Insider rates insurance products here.

Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. Read our editorial standards .

Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.

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Hot Oceans Worsened Dubai’s Dramatic Flooding, Scientists Say

An international team of researchers found that heavy rains had intensified in the region, though they couldn’t say for sure how much climate change was responsible.

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By Raymond Zhong

Scenes of flood-ravaged neighborhoods in one of the planet’s driest regions stunned the world this month. Heavy rains in the United Arab Emirates and Oman submerged cars, clogged highways and killed at least 21 people. Flights out of Dubai’s airport, a major global hub, were severely disrupted.

The downpours weren’t a total surprise — forecasters had anticipated the storms several days earlier and issued warnings. But they were certainly unusual.

Here’s what to know.

Heavy rain there is rare, but not unheard-of.

On average, the Arabian Peninsula receives a scant few inches of rain a year, although scientists have found that a sizable chunk of that precipitation falls in infrequent but severe bursts, not as periodic showers. These rains often come during El Niño conditions like the ones the world is experiencing now.

U.A.E. officials said the 24-hour rain total on April 16 was the country’s largest since records there began in 1949 . And parts of the nation had already experienced an earlier round of thunderstorms in March.

Oman, with its coastline on the Arabian Sea, is also vulnerable to tropical cyclones. Past storms there have brought torrential rain, powerful winds and mudslides, causing extensive damage.

Global warming is projected to intensify downpours.

Stronger storms are a key consequence of human-caused global warming. As the atmosphere gets hotter, it can hold more moisture, which can eventually make its way down to the earth as rain or snow.

But that doesn’t mean rainfall patterns are changing in precisely the same way across every part of the globe.

In their latest assessment of climate research , scientists convened by the United Nations found there wasn’t enough data to have firm conclusions about rainfall trends in the Arabian Peninsula and how climate change was affecting them. The researchers said, however, that if global warming were to be allowed to continue worsening in the coming decades, extreme downpours in the region would quite likely become more intense and more frequent.

Hot oceans are a big factor.

An international team of scientists has made a first attempt at estimating the extent to which climate change may have contributed to April’s storms. The researchers didn’t manage to pin down the connection precisely, though in their analysis, they did highlight one known driver of heavy rain in the region: above-normal ocean temperatures.

Large parts of the Indian, Pacific and Atlantic Oceans have been hotter than usual recently, in part because of El Niño and other natural weather cycles, and in part because of human-induced warming .

When looking only at El Niño years, the scientists estimated that storm events as infrequent as this month’s delivered 10 percent to 40 percent more rain to the region than they would in a world that hadn’t been warmed by human activities. They cautioned, however, that these estimates were highly uncertain.

“Rainfall, in general, is getting more extreme,” said Mansour Almazroui, a climate scientist at King Abdulaziz University in Jeddah, Saudi Arabia, and one of the researchers who contributed to the analysis.

The analysis was conducted by scientists affiliated with World Weather Attribution, a research collaboration that studies extreme weather events shortly after they occur. Their findings about this month’s rains haven’t yet been peer reviewed, but are based on standardized methods .

The role of cloud seeding isn’t clear.

The U.A.E. has for decades worked to increase rainfall and boost water supplies by seeding clouds. Essentially, this involves shooting particles into clouds to encourage the moisture to gather into larger, heavier droplets, ones that are more likely to fall as rain or snow.

Cloud seeding and other rain-enhancement methods have been tried around the world, including in Australia, China, India, Israel, South Africa and the United States. Studies have found that these operations can, at best, affect precipitation modestly — enough to turn a downpour into a bigger downpour, but probably not a drizzle into a deluge.

Still, experts said pinning down how much seeding might have contributed to this month’s storms would require detailed study.

“In general, it is quite a challenge to assess the impact of seeding,” said Luca Delle Monache, a climate scientist at the Scripps Institution of Oceanography in La Jolla, Calif. Dr. Delle Monache has been leading efforts to use artificial intelligence to improve the U.A.E.’s rain-enhancement program.

An official with the U.A.E.’s National Center of Meteorology, Omar Al Yazeedi, told news outlets that the agency didn’t conduct any seeding during the latest storms. His statements didn’t make clear, however, whether that was also true in the hours or days before.

Mr. Al Yazeedi didn’t respond to emailed questions from The New York Times, and Adel Kamal, a spokesman for the center, didn’t have further comment.

Cities in dry places just aren’t designed for floods.

Wherever it happens, flooding isn’t just a matter of how much rain comes down. It’s also about what happens to all that water once it’s on the ground — most critically, in the places people live.

Cities in arid regions often aren’t designed to drain very effectively. In these areas, paved surfaces block rain from seeping into the earth below, forcing it into drainage systems that can easily become overwhelmed.

One recent study of Sharjah , the capital of the third-largest emirate in the U.A.E., found that the city’s rapid growth over the past half-century had made it vulnerable to flooding at far lower levels of rain than before.

Omnia Al Desoukie contributed reporting.

Raymond Zhong reports on climate and environmental issues for The Times. More about Raymond Zhong