Are you covered for Coronavirus under your credit card travel insurance?

Polly Fleeting

Wednesday 11 March 2020

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.  

Couple travelling facemasks, are they covered for coronavirus under credit card travel insurance? 

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 insurer 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.

ProviderUnderwriterContact
Auswide BankAllianz Global Assistance1300 138 831
Bank FirstCGU Insurance 13 24 80
Bank of AustraliaAllianz Global Assistance132 888
Bank of MelbourneAllianz Global Assistance1800 091 710
Bank of QueenslandAllianz Global Assistance1800 072 791
Bank of SydneyChubb1800 251 881
BankSAAllianz Global Assistance1800 091 710
BankVicCGU Insurance13 63 73
BankwestCover-More1300 468
Bendigo BankAllianz Global Assistance1300 889 828
BOQ SpecialistChubb1300 170 180
CUAAllianz Global Assistance1800 010 262
David JonesChubb(02) 9335 3200
Heritage Bank Allianz Global Assistance1800 785 074
IMB Bank Allianz Global Assistance1800 072 791
ING Allianz Global Assistance133 464
Jetstar Chubb1300 791 804
MacquarieChubb1300 791 804
P&N BankChubb1800 251 881
Qantas Money Chubb1800 055 268
Qudos Bank Allianz Global Assistance1300 747 747 
RACQ Bank Allianz Global Assistance1300 912 667
St.George Allianz Global Assistance1800 227 773
Suncorp Allianz Global Assistance1800 072 791
Virgin MoneyAllianz Global Assistance1800 134 419

RELATED ARTICLE: Credit cards: are they friends or foes? 

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!

Find great rewards credit card deals

Which type of rewards credit card would you like to compare?

Back to top