Eligible NAB cards

Your personal NAB Premium, Platinum or Signature credit card, or NAB Platinum Visa Debit card, includes the benefits of six complimentary insurances when you’ve made an eligible purchase.

The below is a summary only. Terms, conditions, limits and exclusion apply. For the full list of benefits and any limits and excesses that apply, please read the NAB Card Insurance Policy Information Booklet Effective 30 June 2022 (PDF, 604KB), opens in new window.

  • International travel insurance
  • Interstate flight inconvenience insurance
  • Rental vehicle excess in Australia insurance
  • Transit accident insurance
  • Purchase protection insurance
  • Extended warranty insurance

Important COVID-19 update

From 30 June 2022, cover may be available under selected benefits of the International Travel Insurance section. Please note that there are terms, conditions, limits and exclusions that apply. See the NAB Card Insurance Policy Information Booklet Effective 30 June 2022 (PDF, 604KB) for eligibility details and for more information about epidemics and pandemic coverage (such as COVID-19), please read the Allianz Global Assistance FAQ.

International travel insurance*

To be eligible, you’ll need to charge at least $500 of your prepaid travel costs to the accountholder’s card account and be aged under 91 years at the date you depart on your journey. You can access the full list of the eligibility criteria and check your eligibility prior to beginning your journey via the online eligibility portal, opens in new window or by reviewing the NAB Card Insurance Policy Information Booklet dated 30 June2022 (PDF, 604KB).

Who may be covered?

You, your spouse and your dependants travelling with you.

What may be covered

For the full list of benefits and any limits and excesses that apply, please read the NAB Card Insurance Policy Information Booklet Effective 30 June 2022 (PDF, 604KB), opens in new window.

Among other things, the policy booklet explains that the benefit limits which are available to you if you’re aged 76 to under 91 years on the date you depart for your trip are different to benefit limits that are available if you’re under 76 on the date you depart for your trip.

Examples of what this is designed to cover for eligible customers includes: 

Aged under 76 years:

  • overseas emergency assistance, medical and dental expenses
  • accidental death and loss of income
  • cancellation
  • travel delay and alternative transport expenses
  • kidnap and ransom
  • luggage and luggage delay
  • rental vehicle damage or theft and return of rental vehicle
  • personal liability

Aged between 76 to under 91 years:

  • accidental death
  • cancellation
  • travel delay and alternative transport expenses
  • kidnap and ransom
  • luggage and luggage delay
  • rental vehicle damage or theft and return of rental vehicle
  • personal liability

Epidemic and pandemic cover (such as COVID-19)

If, during the period of cover available, you (including your spouse and/or dependants who are eligible for cover) are positively diagnosed as suffering a sickness recognised as an epidemic or pandemic, such as COVID-19, cover may be available to you under the following sections:

1.1 Overseas Emergency Assistance

1.2 Overseas Emergency Medical

1.4 Medical Evacuation & Repatriation

2.1 Cancellation

3.1 Additional Expenses

If your travel companion is positively diagnosed as suffering a sickness recognised as an epidemic or pandemic, such as COVID-19, which impacts your journey, cover may be available to you under the following sections: 

2.1 Cancellation 

3.1 Additional Expenses

Terms, conditions, limits, and exclusions apply. Please read the NAB Card Insurance Policy Information Booklet Effective 30 June 2022 (PDF, 604KB), opens in new window, including Part D – General Exclusions and the exclusions set out in each of the above sections.

Not covered

For the full list of benefits and any limits and excesses that apply, please read the NAB Card Insurance Policy Information Booklet Effective 30 June 2022 (PDF, 604KB), opens in new window.

Examples of what’s not covered include claims arising directly or indirectly because of:

  • any pre-existing medical condition of any person including you, your travel companion or a relative
  • the birth of a child, unless arising from an injury or sickness (unless otherwise excluded, a pregnancy related sickness is covered up to and including 26 weeks gestation) 
  • you participating in any dangerous activities or exposing yourself to danger unless in an attempt to save a human life.

Interstate flight inconvenience insurance*

Designed to cover cancellation, flight delay, lost and delayed luggage and funeral expenses.

What you need to know

To be eligible, the entire cost of the return interstate flight must be charged to the accountholder’s card account prior to commencing the trip, and you are under 91 years at the date of departure.

Who’s covered?

You, your spouse and your dependants that are travelling with you.

What's covered

For the full list of benefits and any limits and excesses that apply, please read the NAB Card Insurance Policy Information Booklet Effective 30 June 2022 (PDF, 604KB), opens in new window.

Examples of what this is designed to cover include:

  • cancellation
  • flight delay
  • luggage and luggage delay
  • funeral expenses as a result of accidental death.

What's not covered

For the full list of benefits and any limits and excesses that apply, please read the NAB Card Insurance Policy Information Booklet Effective 30 June 2022 (PDF, 604KB), opens in new window.

Examples of what’s not covered include claims arising directly or indirectly because of:

  • travelling against medical advice
  • you participating in any dangerous activities or exposing yourself to danger unless in an attempt to save a human life.

Rental vehicle excess in Australia insurance*

Designed to cover you if your rental vehicle is damaged or stolen.

What you need to know

To be eligible, the entire payment for the vehicle rental is charged to the accountholder’s card account.

Who’s covered?

Cardholders are eligible if the entire payment for the vehicle rental was charged to the accountholder’s card account.

What's covered

This insurance covers the lesser of, the amount you are liable for under the rental agreement or property damage for which you are liable up to $5,000.

Not covered

For the full list of benefits and any limits and excesses that apply, please read the NAB Card Insurance Policy Information Booklet Effective 30 June 2022 (PDF, 604KB), opens in new window.

Examples of what’s not covered include:

  • using the rental vehicle in breach of the rental agreement or from you using the rental vehicle without a licence.

Transit accident insurance*

Insurance designed to cover you in case of serious injury while travelling.

What you need to know

To be eligible, you’ll need to pay the transport costs in full to the accountholder’s card account before leaving home.

Who’s covered?

You, your spouse and your dependants that are travelling with you, provided the entire fare for their trip was charged to the accountholder’s card account before leaving home.

What's covered

For the full list of benefits and any limits and excesses that apply, please read the NAB Card Insurance Policy Information Booklet Effective 30 June 2022 (PDF, 604KB), opens in new window.

Examples of what this is designed to cover include:

  • loss of life
  • loss of both hands or both feet
  • loss of one hand and one foot
  • loss of the entire sight of both eyes
  • loss of the entire sight of one eye and one hand or foot
  • loss of one hand or one foot
  • loss of entire sight of one eye.

Subject to any terms, conditions, limits and exclusions, we may pay if that loss is sustained while riding, boarding or alighting as a fare paying passenger of a licensed aeroplane, tourist bus, train or ferry. We’ll also pay if that loss is sustained while riding, boarding or alighting as a passenger (not as a pilot, driver or crew member) of a licensed taxi or bus provided the passenger was travelling to or from an international or overseas departure port.

Not covered

For the full list of benefits and any limits and excesses that apply, please read the NAB Card Insurance Policy Information Booklet Effective 30 June 2022 (PDF, 604KB), opens in new window.

Examples of what’s not covered include claims arising directly or indirectly because of:

  • death or injury arising out of war, suicide or intentional self-harm
  • claims arising directly or indirectly from loss caused by or connected in any way with an illegal act of you or any person acting on your behalf
  • you booking or taking travel against medical advice.

Purchase protection insurance*

Designed to cover you if your item is stolen, accidentally damaged or permanently lost.

What you need to know

For loss or theft of, or accidental damage to new covered items anywhere in the world, for 3 months from the date you take possession of the covered item.

Who’s covered?

Cardholders are eligible for covered items purchased anywhere in the world or purchased as a gift and given to any permanent Australian resident, provided the entire purchase price of the covered item is charged to the accountholder’s card account.

What's covered

For the full list of benefits and any limits and excesses that apply, please read the NAB Card Insurance Policy Information Booklet Effective 30 June 2022 (PDF, 604KB), opens in new window.

The maximum sum insured is:

  • the purchase price of the item up to $5000; and
  • maximum total limit for all claims is $200,000 in any 12-month period per card account.

Not covered

For the full list of benefits and any limits and excesses that apply, please read the NAB Card Insurance Policy Information Booklet Effective 30 June 2022 (PDF, 604KB), opens in new window.

Examples of what’s not covered include:

  • cover for loss or damage arising from flood, earthquakes, wear and tear, fraud or illegal acts
  • cover for items left unsupervised in a public place, or in an unlocked motor vehicle, or in an unattended motor vehicle overnight.

Extended warranty insurance*

Extending original warranty for up to 12 months on eligible products.

What you need to know

To be eligible, the cardholder must charge the entire purchase price of the covered product to the accountholder’s card account.

What's covered

For the full list of benefits and any limits and excesses that apply, please read the NAB Card Insurance Policy Information Booklet Effective 30 June 2022 (PDF, 604KB), opens in new window.

Examples of what this is designed to cover include:

  • A 12-month manufacturer’s warranty period is extended for an additional 12 months.
  • A five year manufacturer’s warranty period is extended for an additional 12 months.

Not covered

For the full list of benefits and any limits and excesses that apply, please read the NAB Card Insurance Policy Information Booklet Effective 30 June 2022 (PDF, 604KB), opens in new window.

Examples of what’s not covered include: 

  • items with a purchase price more than $10,000 (AUD)
  • items where the original warranty is greater than five years
  • any illegal act committed by you or any person acting on your behalf.

How do I make a claim or an enquiry?

Email our insurance provider Allianz Global Assistance at cardclaims@allianz-assistance.com.au.

For claims relating to International Travel Insurance, you can submit your online claim, opens in new window.

For claims relating to any other type of cover (including Interstate Flight Inconvenience Insurance), please contact our team.

Call us within Australia

Monday to Friday, 8:30am to 5:00pm (AEST/ADST)

1800 187 025

Emergency assistance is available 24 hours 7 days

Calls from mobiles, public telephones or hotel rooms may attract additional charges.

Call us from overseas

Monday to Friday, 8:30am to 5:00pm (AEST/ADST)

+61 7 3305 7499

Emergency assistance is available 24 hours 7 days

Calls from mobile, public telephones or hotel rooms may attract additional charges.

*Eligibility criteria, terms, conditions, limits and exclusions are set out in the relevant NAB card insurance policy information booklets.

Terms and Conditions

AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631, trading as Allianz Global Assistance (AGA), under a binder from the insurer, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 (Allianz), has issued an insurance group policy to National Australia Bank Limited ABN 12 004 044 937 AFSL and Australian credit licence 230686 (NAB) which allows eligible persons to claim under it as third party beneficiaries. Access to the benefit of cover under the NAB card insurances is available to eligible NAB cardholders and other eligible third party beneficiaries by operation of s48 of the Insurance Contracts Act 1984 (Cth). Any advice on insurance is general advice only and not based on any consideration of your objectives, financial situation or needs. You must check whether or not it is appropriate, in light of your own circumstances, to act on this advice.

If an eligible person wishes to claim any of these benefits, they will be bound by the eligibility criteria, terms, conditions, limits and exclusions contained in the insurance information booklet.

For cardholders of Premium, Platinum and Signature tier cards (and certain other cards that are no longer for sale, as listed in the policy information booklet), there are six included insurance covers: international travel insurance, interstate flight inconvenience insurance, transit accident insurance, rental vehicle excess in Australia insurance, purchase protection insurance and extended warranty insurance. The eligibility criteria, terms, conditions, limits and exclusions of the group policy are set out in the NAB Card Insurance Policy Information Booklet dated 30 June 2022 (PDF, 604KB), opens in new window which may be amended from time to time.

For cardholders of the NAB Low Fee Credit Card and the NAB VISA Debit Card (and certain other cards that are no longer for sale, as listed in the policy information booklet), there is one included insurance cover: purchase protection. The eligibility criteria, terms, conditions, limits and exclusions of the group policy are set out in the NAB Purchase Protection Insurance Policy Information Booklet dated 30 June 2022 (PDF, 374KB) which may be amended from time to time.