Changes effective 1 November 2023
Please read this summary of changes to understand how it will affect your complimentary card insurance policy.
Key features
If your NAB card offers complimentary international travel insurance, here are a few reasons to use that feature.
Eligible NAB cards
The following NAB cards include complimentary international travel insurance.
Eligible purchases
To be eligible, you’ll need to reside in Australia and:
- charge at least $500 of your prepaid travel costs to the accountholder’s card account before leaving Australia
- have a return overseas travel ticket before leaving Australia
- be aged under 81 years at the time you become eligible for the cover by meeting the conditions above.
You can check if you are eligible for complimentary insurance by using the Allianz Global Assistance eligibility portal, opens in new window.
Policy coverage
The below is a limited summary only. Terms, conditions, exclusions, limits, sub-limits and excesses apply.
You, your spouse and your dependants may be covered by this policy if the eligibility criteria is met. Eligibility criteria, terms, conditions, exclusions, limits and applicable sub-limits apply.
For the full list of benefits and the terms, conditions, exclusions, limits, applicable sub-limits and excesses that apply, please read the NAB Card Insurance Policy Information Booklet Effective 1 November 2023 (PDF, 489KB), opens in new window.
What may be covered
Below is a limited summary only. For the full list of benefits and the terms, conditions, exclusions, limits, applicable sub-limits and excesses that apply, please read the NAB Card Insurance Policy Information Booklet Effective 1 November 2023 (PDF, 489KB), opens in new window.
Here are examples of what this insurance is designed to cover for eligible customers.
For people aged under 81 years
The below information is a limited summary only and are subject to applicable terms, conditions, exclusions, limits, sub-limits and excesses that may apply.
Epidemic and pandemic cover
Below is a limited summary only and are subject to applicable terms, conditions, exclusions, limits, sub-limits and excesses that may apply.
COVID-19 cover may be available under selected sections of the international travel insurance section.
For more information about epidemics and pandemic coverage (such as COVID-19), please read the NAB Card Insurance Policy Information Booklet effective 1 November 2023 (PDF, 489KB), opens in new window.
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 (including Medical Evacuation and Repatriation)
1.2 Overseas Emergency Medical
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, exclusions, limits and applicable sub-limits apply. Please read the NAB Card Insurance Policy Information Booklet effective 1 November 2023 (PDF, 489KB), opens in new window including Part D – General Exclusions and the exclusions set out in each of the above sections.
What isn’t covered
Below is a limited summary only.
For the full list of benefits and the terms, conditions, exclusions, limits, applicable sub-limits and excesses that apply, please read the NAB Card Insurance Policy Information Booklet effective 1 November 2023 (PDF, 489KB), 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 unless Allianz Global Assistance has confirmed in writing to you that the pre-existing medical condition causing your claim is covered by the Group Policy. Before going overseas, you can apply for assessment of whether your pre-existing medical condition is covered by the group policy online or over the phone. If after assessment, Allianz Global Assistance confirm to you that your pre-existing medical condition is covered by the group policy, you will need to pay an administration fee of $75.
- childbirth at any gestation (except when arising from an injury or sickness) and pregnancy related sickness if you have had complications in your pregnancy before you became eligible for cover
- your participation in any dangerous activities or your exposure of yourself to danger unless in an attempt to preserve your life or the life of another person
Other complimentary insurances
If you have an eligible NAB card, and make an eligible purchase, these complimentary insurances are also available.
How to make a claim
If you’re making a claim on your travel insurance, the easiest way to claim is by using the online claims portal. For claims relating to any other type of cover (including domestic travel insurance), please contact our team via email or phone.
Download the relevant form and email our insurance provider Allianz Global Assistance.
Call
Call Allianz Global Assistance (AGA) Monday to Friday, 8:00am to 7:00pm (AEST/ADST).
Australia: 1800 187 025
Emergency assistance is available 24 hours a day, seven days a week. Calls from mobiles, public telephones or hotel rooms may attract additional charges.
Australia: 1800 010 075
Overseas: +61 7 3305 8800
Terms and Conditions
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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. The insurance is underwritten by Allianz. NAB is not the product issuer or insurer and neither it nor any of its related bodies corporate guarantee any of the benefits under this cover. If an eligible person wishes to claim any of these benefits, they will be bound by the eligibility criteria, terms, conditions, exclusions, limits and applicable sub-limits of the group policy set out in the NAB Card Insurance Policy Information Booklet effective 1 November 2023 (PDF, 489KB), opens in new window, which may be amended from time to time. For insurable events that occurred prior to 1 November 2023, please refer to the NAB Card Insurance Policy Information Booklet dated 30 June 2022 (PDF, 604KB), opens in new window.
For more information about the changes visit Information about changes to complimentary insurances.