Are you covered for Coronavirus under your credit card travel insurance?
Whether the outbreak of the infamous coronavirus may or may not have you clearing supermarket shelves and hoarding toilet paper, if you have an overseas trip planned in the near future and are relying on credit card travel insurance - you may want to check your policy twice.
Unfortunately, there are no blanket rules when it comes to being covered for coronavirus, and each provider seems to have its own set of what’s covered and what’s not.
In some cases you may be covered if you book your trip before January 2020, while in others there is no cover for any losses due to epidemics and pandemics. So it pays to go back through your policy with a fine tooth comb.
There are two areas of travel cover you should be keeping an eye out for - medical cover and cancellation cover. But to make things a little easier, here’s a breakdown of some providers and how they treat coronavirus under their credit card travel insurance policies.
ANZ
Underwritten by: Allianz Global Assistance
ANZ credit cards that offer complimentary travel insurance:
- ANZ Frequent Flyer Platinum
- ANZ Rewards Platinum
- ANZ Rewards Travel Adventures
- ANZ Platinum
- ANZ Frequent Flyers Black
- ANZ Rewards Black
What the PDS says about your cover for coronavirus:
They will cover: 
For more information call Allianz Global Assistance on: 1300 135 271
Commonwealth Bank
Underwritten by: Zurich Australian Insurance through Cover-More
CommBank credit cards that offer complimentary travel insurance:
- CommBank Platinum Awards Credit Card
- CommBank Low Fee Gold Credit Card
- CommBank Low Rate Gold Credit Card
- CommBank Platinum Awards Credit Card (Qantas Awards)
- CommBank Diamond Awards Credit Card
- CommBank Diamond Awards Credit Card (Qantas Awards)
What the PDS says about your cover for coronavirus:
For more information call Cover-More on: 1300 467 951
NOTE: If you are a Bankwest customer, because it is a subsidiary of CommBank your travel insurance will offer.
NAB
Underwritten by: Allianz Global Assistance
NAB credit cards that offer complimentary travel insurance:
- NAB Premium Card
- NAB Low Rate platinum Card
- NAB Qantas Rewards Premium Card
- NAB Qantas Rewards Signature Card
- NAB Platinum Visa Debit Card
What the PDS says about your cover for coronavirus:
While there was no mention of cover for epidemics in NAB's pds, Allianz released the following information on the 7 February 2020.
For more information call Allianz Global Assistance on: 1800 187 025
Westpac
Underwritten by: Allianz Global Assistance
Westpac credit cards that offer complimentary travel insurance:
- Westpac Altitude Platinum
- Westpac Altitude Black
- Westpac Low Fee Platinum
What the PDS says about your cover for coronavirus:
They will cover:
For more information call Allianz Global Assistance on: 1800 091 710
NOTE: The same level of cover applies to credit card customers from Westpac’s subsidiaries - Bank of Melbourne, BanksSA and St.George.
EXTRA NOTE: Westpac will be removing Emergency Travel Assistance from their cards from the 1st May 2020.
American Express
Underwritten by: Chubb
American Express credit cards that offer complimentary travel insurance:
- Qantas AMEX Ultimate Card
- Qantas AMEX Premium Card
- AMEX Platinum Edge Credit Card
- AMEX Velocity Platinum Card
- AMEX Explorer Credit Card
What the PDS says about your cover for coronavirus:
In a document released by Chubb (and updated on 7 February 2020), it stated that the insurance provider had considered the governmental and other public reporting of the spread of the coronavirus and now considers the situation as being a "known event", excluding it from being covered in certain areas after certain dates.
For more information call Chubb on: (02) 9335 3200
Citi
Underwritten by: Allianz Global Assistance
Citi credit cards that offer complimentary travel insurance:
- Citibank Rewards Credit Card - Signature
- Citibank Rewards Credit Card - Platinum
- Emirates Citibank World MasterCard
- Citibusiness Gold Credit Card
What the PDS says about your cover for coronavirus:
For more information call Allianz Global Assistance on: 1800 072 791
HSBC
Underwritten by: Allianz Global Assistance
HSBC credit cards that offer complimentary travel insurance:
- HSBC Platinum Qantas Credit Card
- HSBC Platinum Credit Card
- HSBC Premier World MasterCard
What the PDS says about your cover for coronavirus:
For more information call Allianz Global Assistance on: 1800 648 093
Which other providers offer complimentary travel insurance on credit cards?
According to Mozo’s database, 33 credit card providers on site offer complimentary travel insurance on their premium cards.
If you are concerned about whether you are covered for any medical issues or cancellations due to the outbreak of the coronavirus, contact your provider, or its travel insurance underwriter, on one of the following numbers.
| Provider | Underwriter | Contact |
| Auswide Bank | Allianz Global Assistance | 1300 138 831 |
| Bank First | CGU Insurance | 13 24 80 |
| Bank of Australia | Allianz Global Assistance | 132 888 |
| Bank of Melbourne | Allianz Global Assistance | 1800 091 710 |
| Bank of Queensland | Allianz Global Assistance | 1800 072 791 |
| Bank of Sydney | Chubb | 1800 251 881 |
| BankSA | Allianz Global Assistance | 1800 091 710 |
| BankVic | CGU Insurance | 13 63 73 |
| Bankwest | Cover-More | 1300 468 |
| Bendigo Bank | Allianz Global Assistance | 1300 889 828 |
| BOQ Specialist | Chubb | 1300 170 180 |
|---|---|---|
| CUA | Allianz Global Assistance | 1800 010 262 |
| David Jones | Chubb | (02) 9335 3200 |
| Heritage Bank | Allianz Global Assistance | 1800 785 074 |
| IMB Bank | Allianz Global Assistance | 1800 072 791 |
| ING | Allianz Global Assistance | 133 464 |
| Jetstar | Chubb | 1300 791 804 |
| Macquarie | Chubb | 1300 791 804 |
| P&N Bank | Chubb | 1800 251 881 |
| Qantas Money | Chubb | 1800 055 268 |
| Qudos Bank | Allianz Global Assistance | 1300 747 747 |
| RACQ Bank | Allianz Global Assistance | 1300 912 667 |
| St.George | Allianz Global Assistance | 1800 227 773 |
| Suncorp | Allianz Global Assistance | 1800 072 791 |
| Virgin Money | Allianz Global Assistance | 1800 134 419 |
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Interested in what other travel features come complimentary on credit card products? Jump over to our credit card comparison table to check out various options or Mozo's top choices of the best credit cards.