Bankwest Credit Card Travel Insurance: Cards, Coverage, and How to Activate

If you’re a Bankwest¹ customer and have a credit card, you may also qualify for Bankwest credit card² travel insurance as part of your card package.

This Bankwest travel insurance review walks through which Bankwest cards qualify for insurance and what your policy covers, looking at exclusions and the optional add-on enhancements that may appeal. You can also learn more about the Wise card, an easy way to stretch your dollars when paying in foreign currencies.

Which Bankwest Credit Cards Have Complimentary Travel Insurance?

You can get Bankwest credit card travel insurance as a complimentary feature if you have either of the following card types³:

• The Bankwest World Mastercard credit card
• A valid Bankwest Platinum Mastercard credit card, excluding Bankwest Platinum Zero Mastercard

The Bankwest travel insurance limits and features which apply do depend on the specific card you have, as well as other factors like your age and health, so it's important to read the terms and conditions carefully before relying on this cover for your trip.

How to Get Bankwest Complimentary Travel Insurance

Bankwest complimentary travel insurance is automatically included if you have an eligible Bankwest travel insurance credit card. There’s no need to inform the insurer that you’re travelling, and there’s no requirement to pay for your travel using the relevant credit card. However, there are some important rules to know about, including age requirements and coverage length.

We’ll cover the key points in this guide, but it’s important to check out the full Bankwest complimentary travel insurance disclosure document³ to make sure it's a suitable product for your needs.

Eligibility

To be eligible for Bankwest travel insurance you must:

• Hold a valid eligible credit card
• Be travelling internationally or on a domestic cruise
• Be under 80 at the time of travel

Your travel insurance credit card covers you as well as your spouse and/or accompanying children on the same itinerary, for trips up to the maximum coverage length:

• 31 consecutive days for Bankwest Platinum Mastercard cardholders
• 6 consecutive months for Bankwest World Mastercard cardholders

Accompanying persons are only covered provided they also meet the age requirement, being aged 79 or under at the time of travel.

As with all insurance policies, there are also exemptions and exclusions which may mean that certain activities and health conditions are not covered. Read the policy documents carefully to avoid unexpected problems while you’re travelling.

Activating Bankwest Free Travel Insurance

There’s no specific step needed to activate Bankwest Free Travel Insurance. However, you can call the cover provider if you would like to apply for enhanced insurance to cover pre-existing medical conditions or to travel for longer than the maximum trip coverage included in your complimentary package.

What Does Bankwest Travel Insurance Cover?

Let’s take a look at the most important points covered by Bankwest Free Travel Insurance. Specific exclusions can apply, as well as caps and limits to coverage amounts. Here are the core coverage areas and the maximum claim amounts usually applied:

**250 AUD excess cost applies
*Details correct at time of research - 15th December 2025

What Does Bankwest Travel Insurance Not Cover?

As with any travel insurance policy, there are important exclusions which limit the claims you can make. For example, certain pre-existing medical conditions are not automatically covered, which would prevent you from making a claim in the event that a known health issue required treatment while overseas.

There are also age limits which mean cover is not automatic for customers or their family members who are aged 80 or over. If you’d still like to be covered you can call the insurer to get a personal quote for the costs of insurance based on your plans and personal situation.

General exclusions apply to some types of activity. Adventure sports for example, which can come with higher risks of injury, may not be covered without buying specific upgrades to your package. Finally there are some situations in which the travel insurance may be invalidated, such as in the event that you travel to a country which is dangerous or subject to government travel advisories.

Bankwest Travel Insurance Upgrade

You can apply for upgrades to your Bankwest free travel insurance if you’d prefer to add in additional cover, or to increase the maximum claim amounts. In this case you’ll need to call the insurer directly to get a quote for the coverage you would like to include in your policy.

Here are the elements you may apply to cover, and the maximum cover amount:

**250 AUD excess cost applies
*Details correct at time of research - 15th December 2025

How to Make a Claim with Your Bankwest Complimentary Insurance Policy

If you need to make a claim on your Bankwest free travel insurance, you can do so through the Cover-More claim portal, or through the Bankwest website or app.

Here you’ll see a checklist of supporting documents which are needed to process your claim, based on the specific claim type. You’ll be prompted to scan your documents, or you can mail them along with the claim number attached to your insurance claim, to:

Bankwest Card Insurances
C/o Cover-More
PO Box 2027
North Sydney NSW 2059, Australia

Summary: Bankwest Travel Insurance

Bankwest recommends using their travel insurance as ‘base cover’ only - which may mean you also need to buy a separate cover package to offer higher coverage limits and inclusions. You can do this by adding on the enhanced cover from Bankwest for a fee, or through a different insurer if there’s a more suitable policy for your specific needs. Double check all the exclusions and cover limits before you travel to avoid hassles later.

Your Bankwest travel insurance has no additional cost and can offer peace of mind for basic cover on international trips. However, it may still be worth trading up to an enhanced package through Bankwest’s partner provider, or choosing a different insurer to add on cover to meet your needs. Use this Bankwest travel insurance review to decide if the cover being offered is enough for your specific plans, and to compare your options for additional coverage if needed.

Bring the Wise card along with you when travelling abroad to save on foreign currency fees

While credit cards can provide some perks like travel insurance, it often comes with annual fees and high foreign transaction fees, making it costly for overseas use. If you're heading abroad, here's a smart way to keep costs down. The Wise card is a simple way to save up to 7x when you're spending internationally. You can spend in 150+ countries at mid-market rate — basically the rate you see on Google. With no foreign transaction fees and low, transparent pricing, Wise usually gives you the best value for your money.

Simply create a Wise account for free, order a card and top-up AUD to get started. Having a physical Wise card allows you to make chip and pin payments, as well as make some free ATM withdrawals each month for when you're abroad. You can get digital cards and add to your Google or Apple Pay wallet for instant use. Spend directly with the Wise account in AUD and let auto-conversion do the trick or convert in advance to your desired currency. You can hold and exchange 40+ currencies in your Wise account and spend the currencies you hold for free.

Wherever your travel takes you, the Wise card makes spending money abroad cheaper and easier.

🚀 Get your Wise card