Qantas - Qantas Frequent Flyer
Member since 24 Aug 2018
Total posts 22
I've always assumed that the travel insurance I get through my credit card means I have nothing to worry about so long as I put the ticket on my card (ANZ Frequent Flyer Black).
Member since 25 Nov 2016
Total posts 93
It probably is if you are satisfied with it after reading the T&Cs. That said I’ve never relied on it only. I get a medical only policy for the trip, the CC policy covers the other things. Not that expensive. Travel insurance companies will ask you when putting in a claim if you have a CC based policy and will contact them to offset any payment.
Virgin Australia - Velocity Rewards
Member since 24 Aug 2011
Total posts 384
1) always read the T&Cs to ensure the policy meets your needs 2) With some cards - the insurance is free but not automatic. E.g. CBA Business Plat MC - you need to log in to NetBank, advise of overseas travel - then you go through a small process to activate the travel insurance and generate pdf receipts and policy.
Member since 06 Oct 2017
Total posts 39
I've stopped relying on my ANZ Black FF for hire cars in Aus. Excesses are going up and up, but the card hasn't caught up. From memory it was $5k (you'll need to read the policy to check/confirm) and half the time these days I seem to be in cars which have $6k excesses.
Member since 06 Aug 2017
Total posts 141
As with any insurance, you need to read the T&Cs, but if you're happy with them, then yes, card-based insurance is just as good as any other insurance. A few little things to be aware of:
Member since 02 Jul 2011
Total posts 835
You need to read the T&C's.
Member since 08 Nov 2014
I’ve just read the T&C for the ANZ Card Insurance which will come into effect from October this year. I notice that insurance cover will cease if you are hospitalises overseas for more than 12 months. In other words it seems you would be on your own from this point if you were really seriously injured or unwell. This is a major change from previous versions which didn’t have this limitation.
Member since 29 Jan 2019
Total posts 14
I used to never rely on credit card insurance, always taking additional paid policies. Until last year, when one of my flights was cancelled due to and airline going bust, requiring me to book a last minute alternative flight. It turns out that my paid policy did not cover me for this event at all, leaving me around $1000 out of pocket.
Member since 02 Apr 2017
Total posts 175
I've never had any claim denied from any insurance issuer, card based or otherwise. Just triple check your conditions and you should be good.
Thanks all - useful perspectives, much appreciated.
Member since 02 Dec 2016
Total posts 104
Hi Guest, join in the discussion on
Card-based travel insurance - is it good enough?
Already have an ET account? Log in below.
Signing up with Executive Traveller only takes a second and lets you
interact with our community. It's completely free and we'll never pass your information on to
Didn’t receive an activation email? Resend one to yourself here.
If you’ve forgotten your password, simply enter your email address
below, then click 'Submit'. We’ll send you an email to re-activate your account and enter a new password.
If you have not received the activation email, simply enter your email address below, then click 'Submit'. We’ll send you an email containing the activation link.
Subscribe to our free newsletter and get the latest news, reviews, tips and more sent straight to your inbox