Westpac Travel Insurance

Westpac

Whether you’re off on holiday or travelling frequently for business, one thing you should always carry with you is a rock solid travel insurance policy. If Westpac is on your shortlist of providers, keep reading for all the facts, features and fine print of a Westpac travel insurance policy.

About Westpac

Westpac is one of the big four banks in Australia, but aside from financial products like bank accounts, home loans and credit cards, they also offer a range of insurance products, from life insurance, through to travel insurance. Westpac travel insurance policies are underwritten and issued by Allianz Global Assistance.

Rates and fees verified as correct at 10 December, 2016. Other information correct at the time of writing.

Westpac travel insurance policies

With Westpac travel insurance you can choose between a Comprehensive or Essentials plan for single trips, or if you’re a frequent traveller, you can opt for the Annual Multi-trip policy. The latter is only available in single cover (which covers your spouse or any dependent children anyway), but the other two can be purchased for single travellers, duos, or families. Check out all the policy options from Westpac travel insurance in the table below:

  • Events

  • Limits shown apply

  • Overseas emergency hospital expense

  • Overseas emergency medical assistance

  • Maximum excess

  • Cancellation fees

  • Pay extra for no excess

  • Luggage and personal effects

  • Additional accomodation & travel

  • Emergency companion

  • Resumption of journey

  • Hospital cash allowance

  • Accidental death

  • Permanent disability

  • Loss of income

  • Credit Card fraud and replacement

  • Travellers cheques

  • Travel documents

  • Rental vehicle excess

  • Alternative travel expenses

  • Personal liability

  • Pre existing conditions

  • Asthma

  • Cancer

  • Cardiovascular disease

  • Mental health problems

  • Diabetes

  • Epilepsy

  • High cholesterol

  • High blood pressure

  • Pregnancy

  • Blood thinning medication

  • Activities covered

  • Bungee jumping

  • Conservation work

  • Mountain biking

  • Mountaineering

  • Rock climbing

  • Scuba diving

  • Sky diving

  • Surfing

  • Trekking

  • Snow sports

  • Ocean Cruise

    • Holiday

    • Per person

    • Unlimited

    • Unlimited

    • 1000

    • Unlimited

    • Events
    • $6,000

    • Unlimited

    • Unlimited

    • $2,000

    • $6,000

    • $25,000

    • $10,000

    • $500

    • $1,000

    • $2,000

    • $5,000,000

    • Pre existing conditions
    • Activities covered
    More info
    • Frequent Traveller

    • Per person

    • Unlimited

    • Unlimited

    • 1000

    • Unlimited

    • Events
    • $8,000

    • Unlimited

    • Unlimited

    • $2,000

    • $6,000

    • $25,000

    • $10,000

    • $500

    • $1,000

    • $2,000

    • $5,000,000

    • Pre existing conditions
    • Activities covered
    More info
  • Events

  • Limits shown apply

  • Overseas emergency hospital expense

  • Overseas emergency medical assistance

  • Maximum excess

  • Cancellation fees

  • Pay extra for no excess

  • Luggage and personal effects

  • Additional accomodation & travel

  • Emergency companion

  • Resumption of journey

  • Hospital cash allowance

  • Accidental death

  • Permanent disability

  • Loss of income

  • Credit Card fraud and replacement

  • Travellers cheques

  • Travel documents

  • Rental vehicle excess

  • Alternative travel expenses

  • Personal liability

  • Pre existing conditions

  • Asthma

  • Cancer

  • Cardiovascular disease

  • Mental health problems

  • Diabetes

  • Epilepsy

  • High cholesterol

  • High blood pressure

  • Pregnancy

  • Blood thinning medication

  • Activities covered

  • Bungee jumping

  • Conservation work

  • Mountain biking

  • Mountaineering

  • Rock climbing

  • Scuba diving

  • Sky diving

  • Surfing

  • Trekking

  • Snow sports

  • Ocean Cruise

    • Holiday

    • Per group

    • Unlimited

    • Unlimited

    • 1000

    • Unlimited

    • Events
    • $12,000

    • Unlimited

    • Unlimited

    • $4,000

    • $12,000

    • $50,000

    • $25,000

    • $1,000

    • $2,000

    • $4,000

    • $5,000,000

    • Pre existing conditions
    • Activities covered
    More info
    • Frequent Traveller

    • Per group

    • Unlimited

    • Unlimited

    • 1000

    • Unlimited

    • Events
    • $15,000

    • Unlimited

    • Unlimited

    • $4,000

    • $12,000

    • $50,000

    • $25,000

    • $1,000

    • $2,000

    • $4,000

    • $5,000,000

    • Pre existing conditions
    • Activities covered
    More info
= Covered = Not covered

Any information provided on this page should be considered a summary and general advice only. All information should be verified before purchase via the relevant Product Disclosure Statement (PDS).


What should I know about Westpac travel insurance?

What your policy covers

Different travel insurance plans cover different things, and also with different limits on the amount you can claim. Obviously, the Essentials plan covers less than the Comprehensive, and generally at lower benefit limits. The flip side is that it is also less expensive. Here are some things you can expect to have covered by just about any Westpac travel insurance policy:

What pre-existing medical conditions are covered

If you’re travelling with a pre-existing medical condition, it's important to always make sure you let your insurer know - if you don’t, a range of claims you would otherwise be eligible to make might be rejected.
The good news is that Westpac travel insurance will automatically cover 36 pre-existing medical conditions at no extra charge. If your condition isn’t included in this list (which can be found in your PDS) then you can also apply for cover. If Westpac agree to cover it, you’ll usually have to pay a higher premium.
If you have a condition that can’t be covered, you can opt to take out a Non-medical policy with Westpac, which will cover you for everything else, like cancellation, delay and luggage, but not for any medical or hospital expenses.
Check out our guide for more information on finding travel insurance to cover pre-existing medical conditions.

What medical assistance you will receive

Westpac work with Allianz Global, which, in a medical emergency can offer services such as:

The age limit

Westpac travel insurance has different age limits, depending on which cover type you opt for.

Travelling with dependents

Traveling with family can be a great experience, but it can also be nerve wracking when something goes wrong. Westpac is helping to take a little of the worry out of travelling with children, by covering dependants under your travel insurance policy free of charge.
To qualify as a dependant, your child or grandchild needs to:

If you want to take Westpac up on this great deal, you can buy either a single or family policy, which will cover dependants plus one or two adults respectively.

Cancelling your Fast Cover travel insurance policy

Even if you’ve bought your Westpac travel insurance policy and paid your premium, you still have a cooling off period in which you can change your mind. Within 14 days of purchase, you can cancel your Westpac travel insurance for a full refund, provided you haven't started travelling yet and you haven’t made a claim on your policy.

What extras can I add to my Westpac travel insurance policy?

Snow pack - hitting the slopes? Make sure you’re covered for all the fun winter sports and activities you might want to try by adding the snow pack to your Westpac travel insurance. You will have to pay an additional premium for this option and an extra excess of $500 will apply for medical or cancellation claims. Also, keep in mind that the snow pack doesn’t include cover for personal liability or permanent disability.

Cruise pack - if you’re sailing away, you’ll need special cover. Keep in mind that the cruise pack (and also the snow pack) aren’t available on the Essentials Westpac travel insurance plan. You can also check out Mozo’s guide to cruise travel insurance to make sure you’re getting the best deal.

Increased item cover - need a little extra cover for your valuables? You can pay an extra premium to have them covered to a higher limit.

Increased rental vehicle excess cover - you can increase the level of cover you have for rental vehicle insurance excess by paying a higher premium when you purchase your policy.

Increase of standard excess - if you’d like to pay a lower premium on your Westpac travel insurance, you can opt for a higher excess instead.

Things to remember about Westpac travel insurance claims

You never want to make a claim on travel insurance - because that means something has gone wrong on your holiday! But you should know what rules to follow to make sure your claim is successful if you do have to. Otherwise, what’s the point of that great travel insurance policy? Keep these few things in mind and save yourself a load of stress down the line:

If your trip is cancelled
If your trip, or any part of it, like tours or transport is canceled, make sure you have written statements from all parties involved (for example the tour operators or the airline) explaining why.

If you are delayed
So you’ve been sitting at the baggage carousel for eight hours now, watching the same unclaimed backpack go around and around, and wondering where your suitcase is? If you or your luggage is significantly delayed, make sure you get an official record of the delay and how long it was. If you have to buy anything while you’re waiting - food, accommodation or luggage essentials - keep receipts for those costs too, as you can usually claim them.

If something is stolen, lost or damaged
If your baggage is lost or damaged by the airline or other transport company, get a statement from them. But if you’re pickpocketed on the street or your bag goes missing from the locked boot of your car, you need to make a police report within 24 hrs and keep a record of it.

If you are offered compensation
You need to keep a record of any compensation you are offered in the above cases. If someone else pays you compensation, you can’t claim that amount on your travel insurance policy - but if they only offer you partial payment, you can take that, and your Westpac travel insurance will cover the rest.

If you’re carrying or  buying valuables
Receipts, receipts, receipts! If you’re travelling with valuables, you need to have proof of ownership and value, in case the items are damaged or stolen. Usually this means the original receipts, but could also include things like credit card statements.

How do I make a claim with Westpac travel insurance?

So now that you know what you need to claim, how do you actually make the claim?
To start, visit the Westpac website, from which you can visit the Allianz Global claims page. Download a claims form and fill it in with as much detail as possible. Remember, the more detail you can provide, the quicker and smoother the process will be!
From there you have three options for claiming with Westpac travel insurance - you can send in your form via post, email or fax, the details of which can be found on the Westpac website.
Send in your claims form, along with any documents that might be important for your claim, within 30 days of returning to Australia.

For more information, check out our handy guide on how to make a travel insurance claim.

How does the Mozo Community rate Westpac travel insurance?

Read how the Mozo community has rated Westpac travel insurance policies and services on a number of factors ranging from value for money to customer satisfaction.

Westpac travel insurance

Overall 7.9*

Value for money

Trust

29 Reviews

* Overall rating based on reviews in the past 12 months.

Recent Westpac travel insurance reviews Recent Westpac travel insurance reviews

Westpac

Westpac travel insurance review

Overall rating   10 / 10

Easy and convenient.

I fell & snapped a small bone in my ankle. My insurance, via my credit card, paid for my return to Australia in business class. It was all done very efficiently & we have always used that form of insurance since.

Full review

I fell & snapped a small bone in my ankle. My insurance, via my credit card, paid for my return to Australia in business class. It was all done very efficiently & we have always used that form of insurance since.

    Value for money   10 / 10

    Trust   10 / 10

Less

Judith (NSW), reviewed about 1 year ago

Westpac

Westpac travel insurance review

Overall rating   7 / 10

Free with trip purchased on credit card

Difficult to find out cover information.

Full review

Difficult to find out cover information.

    Value for money   10 / 10

    Trust   8 / 10

Less

Belinda (NSW), reviewed about 1 year ago

Westpac

Westpac travel insurance review

Overall rating   10 / 10

Awesome

They were fantastic.

Full review

They were fantastic.

    Value for money   10 / 10

    Trust   10 / 10

Less

Zarell (WA), reviewed about 1 year ago

Westpac

Westpac travel insurance review

Overall rating   10 / 10

Very fast and great customer service

I like this insurer because it will help me if any accidents happen to me during my travel.

Full review

I like this insurer because it will help me if any accidents happen to me during my travel.

    Value for money   10 / 10

    Trust   10 / 10

Less

Lemech (QLD), reviewed about 1 year ago

Westpac

Westpac travel insurance review

Overall rating   2 / 10

Competitive premiums and great customer service

They did not answer all my question, they were unprofessional will not deal with them again.

Full review

They did not answer all my question, they were unprofessional will not deal with them again.

    Value for money   2 / 10

    Trust   2 / 10

Less

Lily (QLD), reviewed over 1 year ago

Hide reviews

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Compare Westpac travel insurance policies with other Travel Insurers

Westpac is just one of the many providers offering competitive travel insurance policies to Australians today. With so much variety, you’d be crazy not to compare your options and find the travel insurance that suits you and your trip the best. To make it easier, why not use Mozo’s  travel insurance comparison tool? All you have to do is fill in our travel details to get a quick and easy comparison of policies that might suit you. Then choose your favourite, and you’re all set for your next big adventure!

And while you’re at it, don’t forget to pick up some great travel tips for saving money while you’re abroad. Our Best $20 series is a goldmine of insider knowledge on where travellers like to spend an inexpensive afternoon all around the world.

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