11/10/2026
✈️ TRAVELLING SOON? YOUR CREDIT CARD TRAVEL INSURANCE MAY HAVE CHANGED
If you’ve previously relied on complimentary travel insurance through your credit card, it’s worth checking your cover before your next trip.
Several major Australian banks are reducing or removing complimentary travel insurance benefits on some credit cards. Changes can include:
❌ No complimentary travel insurance at all
📅 Shorter maximum trip durations
🏥 Reduced medical cover
🧳 Changes to luggage cover
✈️ Reduced cancellation and delay benefits
🚗 Changes to rental vehicle excess cover
And importantly, these changes can affect existing credit cards too — so don’t assume you’re still covered just because you’ve used your card’s travel insurance in the past.
Before you travel, check:
✔️ Whether your card still provides complimentary travel insurance
✔️ What the eligibility and activation requirements are
✔️ The maximum trip duration covered
✔️ Medical, cancellation, luggage and other benefits
✔️ Excesses and exclusions
✔️ Whether your travelling companions are covered
📄 Always check the current Product Disclosure Statement (PDS) and any updates from your credit card provider.
🌏 Heading overseas? Don't leave your cover to chance.
At Richmond Travel, we can help you understand your travel insurance options and make sure you consider the cover you may need for your trip.
📩 Talk to the team at Richmond Travel before you travel.
Travel insurance policies, benefits, eligibility requirements and exclusions vary. Please read the relevant PDS and contact your credit card provider or insurer for details of your cover.