05/10/2026
“I don’t need travel insurance because my credit card has cover.”
As a Travel Advisor, I hear this quite often. But when we look a little closer, many travellers are not entirely sure what their credit card insurance actually covers, how it needs to be activated, or whether the benefits have recently changed.
And in 2026, this is especially important.
A number of major Australian banks have already made, or announced, changes to complimentary credit card travel insurance. Depending on the bank and card, this can include reduced benefits, shorter periods of cover, changes to cancellation and delay benefits, or in some cases the removal of complimentary travel insurance altogether.
So before relying on your credit card for your next holiday, it is worth checking exactly where you stand.
A few important questions to ask:
• Does your credit card still include travel insurance?
• Do you need to activate the insurance before you travel?
• Are you required to pay for some or all of your travel using that card?
• Is the cancellation cover enough to protect the non refundable costs of your holiday?
• What overseas medical cover is included?
• How long can you travel for under the policy?
• Are cruises covered, and are there restrictions on consecutive days at sea?
• Is rental vehicle excess covered in Australia and overseas?
• Are your spouse, children or travelling companions covered?
• Are there age limits?
• What happens if you have an existing medical condition?
• Can you apply for additional cover for an existing medical condition if required?
• Is there cover if something happens to a non travelling family member at home and you need to cancel or return early?
Credit card travel insurance can certainly be useful, but it should never be assumed to provide the same level of protection as a comprehensive travel insurance policy.
My advice is simple: before you travel, check your current policy wording and Product Disclosure Statement carefully and make sure the cover suits your particular holiday.
Travel insurance is one of those things we hope we never need, but when something unexpected happens, understanding your cover before you leave can make an enormous difference.
As your Travel Advisor, I can help you look at suitable travel insurance options for your trip and explain the cover available in plain English.
Simply ask me for an obligation free travel insurance quotation.
There is absolutely no obligation to proceed, but at least you can compare your options and make an informed decision before you travel.
Travel well, travel prepared and know exactly what you are covered for before you leave home.
Travel Agent Leanne