Important Upcoming Complimentary Insurance changes
Effective 15 May 2026 – For some NAB cards, International Travel, Domestic Travel and Rental Vehicle Excess Insurances will be removed. For some other NAB cards, the cover period for International Travel Insurance will be reduced.
Please read the summary of changes for further details and how they will affect your insurance cover.
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.
Changes to complimentary insurances
From 15 May 2026, these cards below will no longer have complimentary International and Domestic Travel Insurances, and Rental Vehicle Excess Insurance in Australia.
- NAB Rewards Platinum Credit Card
- NAB Flybuys Rewards Credit Card
- NAB Low Rate Platinum Credit Card
- NAB Velocity Rewards Premium Credit Card
- NAB Premium Credit Card
- NAB Low Fee Platinum Credit Card
You may still be eligible for Cancellation Cover until 15 May 2026.
Please note, the cover outlined in this Letter of Eligibility issued through the Eligibility Portal is based on the current NAB Card Insurance Policy Information Booklet and is subject to change, including your eligibility for travel insurance cover. Please check the relevant policy for your travel period prior to departure to understand what you are covered for including whether you are still eligible for cover.
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 July 2025 (PDF, 474KB), 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 July 2025 (PDF, 474KB), 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.
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 July 2025 (PDF, 474KB), 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.
Complimentary domestic travel insurance
Learn what you need to know about your domestic travel insurance.
Complimentary rental vehicle excess insurance in Australia
How to make a claim, check eligibility and understand your policy.
Complimentary extended warranty insurance
Learn about policy coverage, eligibility and the simple claims process for your extended warranty insurance.
Complimentary purchase protection insurance
What you need to know about your policy coverage, eligible purchases and claims.
Complimentary mobile phone insurance
Enjoy complimentary mobile phone insurance if you have a NAB Rewards Signature Card.
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 contained in the insurance information booklet. The eligibility criteria, terms, conditions, exclusions, limits and applicable sub-limits of the group policy are set out in the NAB Card Insurance Policy Information Booklet effective 1 July 2025 (PDF, 474KB), opens in new window, which may be amended from time to time. For insurable events that occurred prior to 1 July 2025 please refer to the NAB Card Insurance Policy Information Booklet dated 1 November 2023 (PDF, 489KB), opens in new window.
For more information about the changes visit Information about changes to complimentary insurances.