No trip cancellation cover. This benefit is not included with the More Mastercard, which is not an eligible card for Bankwest's complimentary insurance. Prepaid flights, hotels, and tours are not reimbursable if you cancel, and a standalone travel insurance policy is required for this coverage.
Does the Bankwest More Mastercard come with any complimentary insurance?
Bankwest·$100/year·Mastercard
0,0/5Independent review · verified October 2026
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Our Verdict · Travel Insurance
Our take on travel insurance for the Bankwest More Mastercard
Expert review · Pauline LauroreAuthor of HelloSafe's card insurance reviews
No travel insurance. None at all. Here is the honest answer to the search for Bankwest More Mastercard travel insurance: the base More Mastercard, sold today as the More Classic Mastercard, is the entry tier of the More Rewards range and was never an eligible card for Bankwest's complimentary cover. So, you see the rewards Mastercard in your wallet and assume a trip is insured. It isn't. Only the Platinum and World tier Bankwest cards carry overseas travel insurance, and this one sits below them. What the card does do is earn rewards cheaply, roughly $4 a month in fee terms, though the 2.95% foreign transaction fee bites every time you spend abroad. If you want the trip itself covered, a standalone travel insurance policy starts from a few dollars a day, and it is the only route to overseas medical, cancellation, or evacuation on this card.
What works on travel
- 1.5 More Rewards Points per $1 spent: a genuine everyday rewards earn on a low-fee card
- $100 annual fee, about $4 a month: cheap to hold while you insure trips with a dedicated policy
Where travel breaks down
- No overseas emergency medical cover: a serious hospital admission abroad, commonly $50,000 to $200,000, is entirely on you
- 2.95% foreign transaction fee: every overseas or foreign-currency purchase costs extra, unlike the 0% More Platinum and World tiers
- Every travel benefit reads not available: no cancellation, baggage, delay, evacuation, or liability cover
Our methodology
Every score is derived from official bank documents: terms and conditions, benefit guides, and claim procedures. No commercial relationship influences our ratings.
Travel Insurance · 20 guarantees
What does Bankwest More Mastercard Travel Insurance actually cover?
No overseas emergency medical cover. There is no 24/7 assistance line attached to this card, as it carries no complimentary insurance. All medical costs overseas are the cardholder's responsibility, Medicare does not cover you outside Australia, and a serious hospital admission overseas can run $50,000 to $200,000.
No emergency evacuation cover. This benefit is not included with the More Mastercard. Emergency evacuation costs are entirely the cardholder's responsibility, and an air ambulance from Southeast Asia to Australia runs $60,000 to $100,000.
No overseas dental cover. This benefit is not included with this card. Emergency dental treatment overseas is out of pocket.
No hospital cash allowance. This benefit is not included with this card. A daily cash payment during an overseas hospital stay is not provided.
No additional expenses cover. This benefit is not included with this card. Costs from a trip cut short, such as return flights and unused hotels, are out of pocket.
No travel delay cover. This benefit is not included with this card. Meals, accommodation, and transport during a delay are the cardholder's responsibility.
No alternative transport cover. This benefit is not included with this card. Rebooking to reach a destination after a missed connection is paid out of pocket.
No resumption of journey cover. This benefit is not included with this card. The cost to fly home and resume a trip after a family emergency is out of pocket.
No baggage delay cover. This benefit is not included with this card. Purchases of essential items during a bag delay are out of pocket.
No baggage cover. This benefit is not included with this card. Replacement costs for lost or stolen bags are the cardholder's responsibility.
No travel documents cover. This benefit is not included with this card. Reissuing a stolen passport and covering fraudulent card transactions are paid out of pocket.
No personal liability cover. This benefit is not included with this card. Legal liability for injury to others or property damage overseas is uninsured, and claims commonly reach hundreds of thousands of dollars.
No accidental death benefit. This benefit is not included with this card. No lump sum is paid to your family for an accidental death during a journey.
No loss of income benefit. This benefit is not included with this card. Lost earnings after an overseas injury that stops you working are not replaced.
No domestic cancellation cover. The Interstate Flight Inconvenience benefit does not apply to this card. Cancelled prepaid interstate flights and travel are not reimbursable.
No domestic flight delay cover. This benefit is not included with this card. Meals and accommodation during an interstate flight delay are the cardholder's responsibility.
No domestic additional expenses cover. This benefit is not included with this card. Extra interstate travel and accommodation after a disruption are out of pocket.
No domestic luggage cover. This benefit is not included with this card. Loss, theft, or damage to bags on an interstate trip is not reimbursable.
No domestic luggage delay cover. This benefit is not included with this card. Essential purchases during an interstate baggage delay are out of pocket.
We source benefits from official card guides, but PDFs are sometimes hard to obtain or update. Spotted something off?
Coverage Radar
Where the Bankwest More Mastercard wins, where it loses
Coverage snapshot for this tab — click any layer to highlight its scores.
Trip cancellation: not covered by this card
Medical fees abroad: not covered by this card
Medical repatriation: not covered by this card
Compare
More MastercardThis card0.0/5?
$100/yrWith travel insuranceIdeal
Complete coverage · 5.0 / 5Premium card avg.
$235 avg. annual feeClick a layer to highlight its scores on the radar.
Side-by-side comparison
How the Bankwest More Mastercard stacks up against the alternatives
Same 5 coverage dimensions, ranked head-to-head against the cards most More Mastercard shoppers also consider.
| Card | This card More Mastercard Bankwest · $100/yr 0.0/5? | Vertigo Platinum St.George · $99/yr 4.3/5? | Amplify Signature Bank of Melbourne · $295/yr 4.3/5? | |
|---|---|---|---|---|
Trip cancellation Per person, per trip cap | Not covered Cover this gap → | Unlimited Unlimited (all prepaid) | Unlimited Unlimited | |
Emergency medical Hospital bills abroad | Not covered Cover this gap → | Unlimited Unlimited | Unlimited Unlimited | |
Emergency evacuation Air ambulance + repatriation | Not covered Cover this gap → | Unlimited Unlimited evacuation | Unlimited Unlimited evacuation | |
Trip delay trigger Hours before benefits kick in | Not covered Cover this gap → | 6h / $1,100 Trigger: 6 hours | 6h / $1,100 Trigger: 6 hours | |
Trip interruption Covered amount | Not covered Cover this gap → | Unlimited Extra travel & accommodation | Unlimited Extra travel & accommodation |
StrongLimited / misleadingNot covered
Data verified against each card's Guide to Benefits, May 2026.
Cardholder reviews
What cardholders say about the Bankwest More Mastercard
Real experiences with this no-frills rewards card 4 reviews
TH
Tony Hunt (ProductReview)
Good rewards, no issues
I have had no issues with their service over about 20 year history ... Good rewards, only about $4/month fee.
H(
helockman (ProductReview)
Rewards are thin outside WA
The rewards are crap unless you live in WA.
E(
eileen.mcentee (ProductReview)
Service reliability let it down
sometimes the connection line goes down and if this happens on weekend you are in big trouble.
Emergency · Card assistance line
How to contact Bankwest More Mastercard assistance?
Bankwest card servicing (Australia)
13 17 19
Card and account queries
Bankwest card servicing (from overseas)
+61 8 9449 2840
Standard international call rates · Card and account queries, not travel claims
Benefit administrator: Not applicable. This card has no complimentary insurance, so there is no insurer or claims administrator to contact.
Claims & pre-authorizations
What to do if you need cover with the More Mastercard
1
Step 1: Confirm the gap before you travel
The base More Mastercard carries no complimentary travel, rental, or purchase insurance, so there is nothing to claim through Bankwest or Cover-More. Do not assume the rewards Mastercard insures the trip.
2
Step 2: Buy a standalone policy for the trip or hire car
A dedicated travel insurance policy is the only source of overseas medical, cancellation, and rental excess cover for this card. Buy it before you leave Australia, and read the pre-existing condition terms if they apply to you.
3
Step 3: For a lost card or a disputed charge, call Bankwest
Contact Bankwest card servicing on 13 17 19 within Australia, or +61 8 9449 2840 from overseas, for a lost or stolen card, fraud, or a disputed transaction. This line does not handle travel or insurance claims.
FAQ
What people ask about the Bankwest More Mastercard
- You cannot, because there is no travel insurance to activate. The base Bankwest More Mastercard, sold today as the More Classic Mastercard, is not an eligible card under the Bankwest Credit Card Insurance PDS (the policy booklet). Complimentary overseas travel insurance is reserved for the Platinum and World tier cards, so holding or spending on the More Mastercard does not switch any cover on. If you are travelling and want overseas medical, cancellation, or baggage protection, the only route is a standalone travel insurance policy bought before you leave Australia.
- No one. The Bankwest More Mastercard has no complimentary travel, rental, or purchase insurance, so there is no cover for the cardholder, a spouse or partner, or dependent children. As the entry tier of the More Rewards range, it has never been on the eligible-card list. On the Bankwest Platinum and World cards, cover can extend to a spouse and accompanying children travelling on the same itinerary, but the base More Mastercard is excluded from that list in the PDS. To protect anyone on a trip, take out a separate travel insurance policy that names each traveller.
- It does not, because the card carries no rental vehicle excess cover at all. The Rental Vehicle Insurance Excess benefit sits inside the Bankwest complimentary insurance that only ever applied to the eligible Platinum and World Mastercards, not the base More Mastercard. So if a hire car is damaged or stolen, the excess is entirely on you, commonly $2,000 to $5,500 on an Australian hire. A standalone rental vehicle excess policy covers both Australian and overseas hires and is the only way to shift that cost off this card.
- There is nothing to claim, because this card has no complimentary insurance. The base Bankwest More Mastercard carries no travel, rental, or purchase cover, so neither Bankwest nor its insurer Cover-More will accept a claim tied to this card. If you bought a standalone travel policy for your trip, claim through that insurer using the contact details in its own policy document. For a lost or stolen card, fraud, or a disputed transaction, call Bankwest on 13 17 19 within Australia or +61 8 9449 2840 from overseas, though that line does not handle insurance claims.
- The short answer is everything on the insurance side. The Bankwest More Mastercard has no overseas emergency medical cover, no evacuation, no trip cancellation, no baggage or delay cover, no personal liability, and no domestic interstate cover. It also has no rental vehicle excess cover, no purchase protection, no extended warranty, no price guarantee, and no mobile phone insurance. None of these have ever attached to this entry-tier card. What it does offer is More Rewards Points at 1.5 per dollar on a $100 annual fee, so it is a rewards spender, not an insurance product.
- Yes, and it is not optional if you want to be covered. Because the Bankwest More Mastercard has no complimentary travel insurance, a standalone policy is your only source of overseas emergency medical cover, which matters because Medicare pays nothing outside Australia and a serious hospital admission overseas can run $50,000 to $200,000. A separate policy also covers cancellation, baggage, and rental excess, none of which this card provides. The 2.95% foreign transaction fee on this card also makes it a poorer travel companion than the 0% Platinum and World tiers. Buy the policy before you leave, and check its pre-existing condition terms.
- No. The Bankwest More Mastercard does not include mobile phone or screen insurance, and it never carried a dedicated phone cover. If your phone is lost, stolen, or the screen cracks, the repair or replacement is your cost, and a flagship screen repair alone runs about $200 to $600. Some cards and standalone gadget policies do cover phones, usually on the condition that the monthly phone bill is charged to the card, but that is not part of this product. Treat your phone as uninsured under this card and budget for repairs yourself.
- No. There is no travel policy attached to the Bankwest More Mastercard, so skiing, snowboarding, and any snow-sports injury or equipment loss are not covered, on-piste or off-piste. On the eligible Bankwest Platinum and World cards, on-piste snow sports are included and off-piste is excluded, but the base More Mastercard is not one of those cards. For a ski or snowboard trip, take out a dedicated snow travel insurance policy, which typically covers on-piste activity and can add off-piste cover for an extra premium.
- Because it is the entry tier of the More Rewards range, below the cards Bankwest attaches complimentary insurance to. Bankwest reserves complimentary overseas travel insurance for its Platinum and World Mastercards, including the More Platinum and More World, which also carry a 0% foreign transaction fee. The base More Mastercard trades those travel perks for a lower $100 annual fee and a 2.95% foreign transaction fee. If travel cover matters to you, either step up to a Platinum or World tier Bankwest card or pair this card with a standalone travel insurance policy.
Not just Bankwest
Other cards worth considering
More Mastercard is a strong choice — but depending on what you prioritize, one of these may suit you better.
Vertigo Platinum
St.George
Amplify Signature
Bank of Melbourne
Low Fee Platinum
Westpac
Altitude Qantas Black
Westpac
