How do I activate the Bankwest Qantas World Mastercard complimentary travel insurance?

There is no spend to activate, which is unusual in Australia. The overseas cover applies automatically when you travel to an overseas destination from Australia holding an activated Bankwest Qantas World Mastercard that is not cancelled or suspended, and a return overseas travel ticket. You do not have to charge a minimum amount of your trip to the card first, and you do not have to tell Bankwest you are travelling. You do need to be under 80 for the medical, additional expenses and cancellation cover. For the free domestic Interstate Flight Inconvenience cover, and for Purchase Security, you do have to charge the whole interstate airfare or purchase to the card.

Who is covered under my Bankwest Qantas World Mastercard complimentary insurance?

Cover extends to the cardholder, their spouse or de facto partner, and accompanied dependent children, as long as each of them travels with the cardholder on the same itinerary for the whole journey. Everyone has to be travelling overseas from Australia on an activated card with a return ticket. Persons aged 80 or over, whether the cardholder or the spouse, are not eligible for the medical, additional expenses or cancellation benefits. The sums insured are combined limits for the cardholder and their family per journey, not a separate amount each, so check the benefit table in your PDS (Product Disclosure Statement) for how each limit is shared.

How does the Bankwest Qantas World Mastercard rental vehicle excess cover work?

It does not work on the free cover, because rental vehicle excess is not included even on the World tier. Rental Vehicle Insurance Excess is a paid Upgraded Benefit, capped at $3,000 with a $250 excess, that you apply and pay for before you travel, and it covers overseas hires only. It also only pays if you have bought the hire company's own damage waiver. There is no cover for Australian hire cars under this card. Excess (the amount the hire company charges you towards damage or theft) on a hire-car claim commonly runs $2,000 to $5,500, so take the counter waiver or a standalone excess policy if a hire car is part of your trip.

How do I make a claim on my Bankwest Qantas World Mastercard insurance?

Claims go through Cover-More, the agent for the insurer Zurich Australian Insurance Limited. For a medical emergency overseas, call the 24-hour team on +61 2 8907 5615 before treatment where you can, because unapproved costs can be refused. To lodge, use the portal at claims.covermore.com.au/bw or call 1300 468 340 within Australia, and report any theft or loss to police or the carrier within seven days. Keep itemised accounts, the police or carrier report, and your card statement showing the travel ticket. Lodge the claim as soon as the incident happens rather than waiting until you are home, and keep a copy of every document you send.

What does the Bankwest Qantas World Mastercard not cover?

The World tier gives you free cancellation and unlimited additional expenses, but several benefits are still left out of the free cover. Travel delay, baggage delay, travel documents, resumption of journey, loss of income and rental vehicle excess are all paid Upgraded Benefits, not part of the complimentary cover. Pre-existing medical conditions are excluded unless they are on the PDS auto-covered list or you pay a premium to add them, and there is no medical cover from age 80. There is also no mobile phone insurance, no refund cover, no domestic rental excess, and no domestic medical cover, since Medicare applies within Australia.

How long does the Bankwest Qantas World Mastercard cover me on a single overseas trip?

Up to six consecutive months per journey, measured from the departure date on your return overseas travel ticket. That is far longer than the 31 days on the Bankwest Platinum tier and covers most long trips outright. If you need even longer, you can extend the period to a 12-month total, but only by applying and paying for the Additional Period of Cover Upgraded Benefit before the cover would otherwise end. Remember that the medical, additional expenses and cancellation cover still does not apply from age 80, regardless of trip length. The exact duration rules are set out in your PDS (Product Disclosure Statement).

Does the Bankwest Qantas World Mastercard cover domestic interstate flights?

Yes, through a free Interstate Flight Inconvenience benefit that applies to return flights between Australian states charged to the card. It covers domestic flight cancellation up to $3,000, flight delay from four hours at $100 per person up to $500, loss or damage to personal goods up to $3,000, and a 12-hour luggage delay up to $250. It does not include overseas-style medical cover, because Medicare applies within Australia, and there is no domestic additional expenses benefit. It is genuine protection for interstate air travel, not a full domestic travel policy.

Does the Bankwest Qantas World Mastercard include mobile phone insurance?

No. The Bankwest Qantas World Mastercard does not include mobile phone or screen insurance, so a cracked, lost or stolen phone is replaced out of pocket. A newly bought phone can be covered under Purchase Security against theft or accidental damage for 90 days from purchase, with a $250 excess, but that is not the same as ongoing phone cover. Replacing a flagship smartphone yourself typically costs $1,200 to $2,300. If phone cover matters to you, a standalone gadget or mobile policy is the way to fill this gap.

Are pre-existing medical conditions covered by the Bankwest Qantas World Mastercard?

Only in part. The PDS automatically includes a defined list of stable conditions for travellers 79 or under who meet each condition's criteria and were not hospitalised for it in the previous 12 months, covering common ones like asthma, high blood pressure and controlled diabetes. Anything outside that list, or for a traveller who does not meet the criteria, is excluded unless you complete a health assessment and pay an extra premium for Existing Medical Conditions Cover before you travel. If you rely on a condition being covered without checking, a related overseas medical claim can be refused. Confirm your condition against the PDS list, or apply for the paid cover, before you go.

Does the Bankwest Qantas World Mastercard cover skiing or snowboarding?

On-piste skiing and snowboarding are covered under the overseas travel policy at no extra cost, because they are on the list of automatically included activities. Off-piste skiing, off-piste snowboarding and heli-skiing or heli-boarding are excluded, so a claim from skiing outside the marked runs would be declined. This only helps if you are under 80 and the medical cover applies, and remember that your ski equipment itself is not separately insured while in use. For off-piste or backcountry plans, a dedicated snow travel policy is the safer option.

Bankwest Qantas World Mastercard travel insurance: what does it actually cover?

Bankwest·A$320/year·World Mastercard

Pauline LauroreAuthor of HelloSafe's card insurance reviewsUpdated August 4, 20268 min read

2,6/5Independent review · verified August 2026

Travel Insurance

3,5

Car Rental

0,0

Protection

3,0

Our Verdict · Travel Insurance

Our take on travel insurance for the Bankwest Qantas World Mastercard

Expert review · Pauline LauroreAuthor of HelloSafe's card insurance reviews

Free cancellation and unlimited medical. No rental excess. That trade-off is the Bankwest Qantas World Mastercard travel insurance in one line. Travel overseas on an activated card and the World tier pays unlimited overseas emergency medical with a $250 excess, cancellation to $15,000 for the cardholder or $20,000 with family, and unlimited additional expenses, with no minimum spend to switch any of it on. Here is where people get caught: they assume a World card also covers travel delays, baggage delays and rental excess for free. It doesn't. Those stay paid Upgraded Benefits you apply for before you fly, and there is no medical cover from age 80. Cover runs up to six months a trip, which is genuinely generous next to the 31 days on the lower tier. If you charge your trip to the card and travel under 80, the free cover does real work; for hire cars, delays, or a pre-existing condition, budget for the upgrades or a standalone policy.

What works on travel

Unlimited overseas emergency medical: no dollar cap on hospital or treatment, $250 excess per claim
Trip cancellation included free up to $15,000, or $20,000 for a cardholder travelling with family
Unlimited additional expenses free on the World tier, for extra accommodation and transport after a disruption
No minimum spend to activate: cover switches on by travelling overseas on an activated card with a return ticket
Six months of cover per overseas trip, and free domestic Interstate Flight Inconvenience cover as well

Where travel breaks down

No free travel delay, baggage delay, travel documents, resumption of journey or loss of income: all still paid Upgraded Benefits
Cancellation is capped at $15,000 for the cardholder, below the unlimited cancellation some cards offer
No medical cover from age 80, for the cardholder or spouse
Pre-existing conditions are excluded unless auto-covered on the PDS list or added for an extra premium
A $250 excess applies to overseas medical, baggage, additional expenses and cancellation claims

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 Qantas World Mastercard Travel Insurance actually cover?

The cardholder limit is $15,000, rising to $20,000 only when travelling with family, and a $250 excess applies to each claim.

Deductible : A$250

Covers prepaid non-refundable travel you cancel, or the cost of rearranging it, for circumstances outside your control, up to $15,000 for the cardholder or $20,000 travelling with family, with a $250 excess. This cover is included free on the World tier, with no minimum spend to switch it on. Frequent flyer points lost on a cancelled booking are covered at an equivalent-fare value. Covered reasons include your own or a relative's illness, injury or death, involuntary redundancy, your home made uninhabitable, and transport cancelled by strike, weather or a natural disaster.

What's covered

Illness, injury or death of you, a travelling companion or a relative
Involuntary redundancy from full-time employment in Australia
Home made uninhabitable by fire, explosion, earthquake or flood
Scheduled transport cancelled by strike, riot, weather, breakdown or natural disaster
Value of frequent flyer points lost on a cancelled booking

What's not covered

Cancellation for a reason within your control or already known
Existing medical condition of a relative or companion, unless assessed and added
Disinclination to travel or a change of plans
Contractual or business obligations, except involuntary redundancy
Fares, taxes or agent charges beyond the stated commission limit

Cover excludes anyone aged 80 or over, and pre-existing conditions are not covered unless they are on the PDS auto-covered list or you pay an extra premium to add them.

Deductible : A$250

Pays overseas emergency medical, hospital and ambulance costs with no dollar cap, for treatment within the 12 months after an injury or illness first arises. A $250 excess applies per claim. Medicare does not cover you outside Australia, so this is the benefit that carries the card.

What's covered

Emergency hospital and medical treatment overseas
Emergency dental for sudden acute pain, up to $2,000
Hospital incidentals of $100 per 24 hours, up to $15,000
Ambulance and medical evacuation arranged by the assistance team

What's not covered

Anyone aged 80 or over
Pre-existing conditions unless auto-covered or added for a premium
Pregnancy after 23 weeks and 6 days
Treatment you travelled overseas to obtain, or received in Australia

Evacuation must be arranged and approved by the Cover-More assistance line first. Book your own air ambulance without calling and the cost can fall on you, and a medevac to Australia can run past $100,000.

Deductible : A$250

Emergency medical evacuation and repatriation to Australia are covered within the unlimited medical benefit, arranged by the Cover-More 24-hour assistance team. Call them before treatment where you can, because evacuation costs not pre-approved can be refused. Repatriation of remains is not in the free cover; it sits in the paid Overseas Funeral or Body Repatriation upgrade.

What's covered

Emergency evacuation to the nearest suitable hospital
Repatriation to Australia when medically necessary
24-hour assistance and payment coordination

What's not covered

Evacuation not pre-approved by the assistance team
Repatriation of remains (paid Upgraded Benefit only)
Costs from an uncovered pre-existing condition

Deductible : No deductible

Covers emergency dental treatment for the relief of sudden and acute pain to natural teeth, up to $2,000, with no excess. Routine, planned or cosmetic dental work is not covered. It sits inside the overseas medical benefit.

What's covered

Emergency treatment for sudden acute dental pain overseas

What's not covered

Routine, planned or cosmetic dental treatment
Work involving precious metals, crowns or dentures
Treatment provided in Australia

Deductible : No deductible

If you are hospitalised overseas for more than 24 continuous hours, pays incidentals such as TV, phone and newspapers at $100 per 24 hours, up to $15,000. No excess applies. It is a small comfort top-up, not a substitute for the medical cover.

What's covered

Incidental costs during an overseas hospital stay of more than 24 hours

What's not covered

Hospital stays under 24 hours
Costs from an uncovered condition

Cover is for the room rate only, not the full nightly hotel price, and a $250 excess applies to each claim.

Deductible : A$250

Pays your reasonable extra accommodation, at the room rate only, and extra transport when a disruption cuts across your trip, with no dollar cap and a $250 excess. It is included free on the World tier. Covered triggers include you or a companion being certified unfit to travel, an early return to Australia after a relative's death or hospitalisation, and scheduled transport cancelled by strike, weather or a natural disaster.

What's covered

You or a companion certified unfit to travel by a medical practitioner
Early return to Australia after a relative's unexpected death or hospitalisation
Scheduled transport cancelled, delayed or diverted by strike, weather or natural disaster
Lost passport, travel documents or transaction cards
Home rendered uninhabitable by fire, explosion, earthquake or flood

What's not covered

Costs caused by an existing medical condition of a relative or companion
Anyone aged 80 or over
Expenses you would have paid had the trip gone to plan

No free travel delay cover. Travel Delay Expenses are a paid Upgraded Benefit you apply and pay for before you fly, not part of the free cover on the World tier. Meals, refreshments and accommodation during a long delay are out of pocket without the upgrade.

What's not covered

Not included free; available as a paid Upgraded Benefit ($475 cardholder / $1,100 family, 6-hour trigger, when upgraded)

No missed connection cover. There is no alternative transport benefit on this card, free or upgraded. The cost of rebooking to catch up after a missed connection is out of pocket.

What's not covered

Alternative transport is not a benefit under this card

No free resumption of journey cover. Returning overseas to resume a trip after a relative dies is a paid Upgraded Benefit, even on the World tier. The economy fare to resume the journey is out of pocket without the upgrade.

What's not covered

Not included free; available as a paid Upgraded Benefit ($5,750 cardholder / $15,000 family when upgraded)

No free baggage delay cover. Baggage Delay Expenses are a paid Upgraded Benefit, even on the World tier. Buying clothes and toiletries while your bag is delayed is out of pocket without the upgrade.

What's not covered

Not included free; available as a paid Upgraded Benefit ($600 cardholder / $1,200 family, 12-hour trigger, when upgraded)

Per-item limits apply: $3,500 for cameras, computers and phones, and $2,000 for anything else, so a high-value item may not be fully covered.

Deductible : A$250

Covers accidental damage, theft and permanent loss of luggage and personal goods up to $20,000, or $30,000 for a cardholder travelling with family. A $250 excess applies, and depreciation is taken into account. Per-item limits apply: $3,500 for cameras, computers and phones, and $2,000 for other items.

What's covered

Accidental damage, theft or permanent loss of luggage and personal goods
Lost prescription medication replaced up to $500

What's not covered

Valuables left unattended, including in a vehicle
Items left behind or walked away from in a public place
Sporting equipment damaged while in use
Mobile phone where you cannot supply the IMEI

No free travel documents cover. Replacing passports, transaction cards and cash is a paid Upgraded Benefit, even on the World tier. The cost to reissue documents or replace stolen cash is out of pocket without the upgrade.

What's not covered

Not included free; available as a paid Upgraded Benefit ($600 cardholder / $1,100 family when upgraded)

Deductible : No deductible

Covers your legal liability for injury to other people or damage to their property overseas, up to $2,500,000, with no excess. Reasonable legal costs approved in advance are included. Liability linked to vehicles, aircraft or watercraft is excluded.

What's covered

Legal liability for third-party injury overseas
Legal liability for third-party property damage
Approved legal costs

What's not covered

Liability from vehicles, drones, aircraft or watercraft
Liability to family or travelling companions
Liability from a business, trade or profession

Deductible : No deductible

Pays a lump sum of $25,000 on the accidental death of the cardholder, and $25,000 for a spouse, when death occurs within one year of the injury. No excess applies. It is a modest benefit next to the unlimited medical cover.

What's covered

Accidental death of the cardholder or spouse during the journey

What's not covered

Death from an excluded activity or condition

No free loss of income cover. Income replacement after an overseas injury stops you working is a paid Upgraded Benefit, even on the World tier. Lost wages once you return home are out of pocket without the upgrade.

What's not covered

Not included free; available as a paid Upgraded Benefit (up to $1,000 per week, max $12,000, after 30 days disablement, when upgraded)

Cover only applies if the entire return interstate airfare was charged to the card.

Deductible : A$250

Covers cancellation of prepaid domestic travel arrangements up to $3,000, under the free Interstate Flight Inconvenience cover, for reasons such as illness, a death, or a natural disaster. A $250 excess applies. Cover starts only once the entire return interstate airfare is charged to the card.

What's covered

Illness, injury or death of you, a companion or a relative
Home made uninhabitable by fire, flood or earthquake
Carrier cancellation from a natural disaster or aircraft breakdown
Involuntary redundancy from full-time work

What's not covered

Cancellation for a reason within your control or already known
Taxes, airport or travel agent charges

Deductible : No deductible

After an interstate flight delay of four hours or more, with no alternative transport available, pays $100 per person for meals and refreshments, up to $500 in total. No excess applies. It covers the return interstate flight charged to the card.

What's covered

Meals and refreshments after a 4-hour interstate flight delay

What's not covered

Delays where alternative transport is available
Delays within your control

No domestic additional expenses cover. The interstate benefit covers cancellation, flight delay and luggage, not extra travel or accommodation. Meals and accommodation from a disrupted interstate trip are the cardholder's responsibility.

What's not covered

Domestic additional expenses are not a benefit under this card

Deductible : A$250

Covers loss of, or damage to, personal goods on an interstate trip up to $1,000 per item and $3,000 in total. A $250 excess applies, and depreciation is taken into account. Laptop computers and business items are not covered under this domestic benefit.

What's covered

Theft or accidental loss of, or damage to, personal goods interstate

What's not covered

Laptop computers and business items
Items left unattended
Amounts above the $1,000 per-item limit

Deductible : No deductible

If your interstate luggage is delayed more than 12 hours, pays $100 per person for essential clothing and toiletries, up to $250 in total. No excess applies. It does not apply on the leg that returns you home.

What's covered

Essential clothing and toiletries after a 12-hour interstate luggage delay

What's not covered

Delay on the leg that returns you home

Policy document

We source benefits from official card guides, but PDFs are sometimes hard to obtain or update. Spotted something off?

Report an error Send updated PDF

Coverage Radar

Where the Bankwest Qantas World Mastercard wins, where it loses

Coverage snapshot for this tab — click any layer to highlight its scores.

Overseas emergency dental: above the market average

Compare

Qantas World MastercardThis card2.6/5?

A$320/yr

With travel insuranceIdeal

Complete coverage · 5.0 / 5

Premium card avg.

A$240 avg. annual fee

Click a layer to highlight its scores on the radar.

Side-by-side comparison

How the Bankwest Qantas World Mastercard stacks up against the alternatives

Same 5 coverage dimensions, ranked head-to-head against the cards most Qantas World Mastercard shoppers also consider.

Card	This card Qantas World Mastercard Bankwest · A$320/yr 2.6/5?	Amplify Signature Bank of Melbourne · A$295/yr 4.3/5?	Amplify Qantas Signature Bank of Melbourne · A$370/yr 4.3/5?
Trip cancellation Per person, per trip cap	$15,000 / $20,000 family All prepaid travel	Unlimited Unlimited	Unlimited Unlimited
Emergency medical Hospital bills abroad	Unlimited Unlimited	Unlimited Unlimited	Unlimited Unlimited
Emergency evacuation Air ambulance + repatriation	Unlimited Unlimited evacuation	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	Unlimited Extra travel & accommodation	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 Qantas World Mastercard

Real experiences on the card, its perks and Bankwest's service 12 reviews

Tim W. (ProductReview)

2019

Good benefits if you use it

Card has some good benefits, but like most CCs that generate Frequent Flyer points you need to use it all the time.

Ross (ProductReview)

2023

Application was a battle

The staff who assess the application are unprofessional and rude. They keep changing what are required.

dman (ProductReview)

2019

Declined after a runaround

Absolute incompetent team. Lost valuable credit rating for a card.

Australia Enquiries and Claims (Cover-More)

1300 468 340

Business hours

24-Hour Overseas Emergency Assistance

+61 2 8907 5615

Toll-free country numbers available; from overseas enquiries +61 2 8907 5061 · 24/7

Benefit administrator: Cover-More (agent for Zurich Australian Insurance Ltd) for Bankwest

Claims & pre-authorizations

How to make a Bankwest Qantas World Mastercard insurance claim

Step 1: Call the 24-hour emergency team before treatment where possible

For a medical emergency overseas, call the Cover-More emergency team on +61 2 8907 5615 before treatment where you can. They coordinate hospitals and evacuation, and approve costs the claims team would otherwise question, especially anything over $2,000 or a hospital admission.

Step 2: Lodge the claim with Cover-More and gather your documents

Lodge online at claims.covermore.com.au/bw, or call 1300 468 340 within Australia. Keep itemised accounts, a police or carrier report for lost or stolen items, and your card statement showing the return travel ticket and any interstate airfare or purchase charged to the card.

Step 3: Report losses within 7 days and lodge within the PDS timeframe

Report any theft or loss to police or the carrier within seven days, and lodge with Cover-More within the timeframe set out in your PDS. Cover-More may request original documents, so post them registered and keep a copy of everything you send.

There is no spend to activate, which is unusual in Australia. The overseas cover applies automatically when you travel to an overseas destination from Australia holding an activated Bankwest Qantas World Mastercard that is not cancelled or suspended, and a return overseas travel ticket. You do not have to charge a minimum amount of your trip to the card first, and you do not have to tell Bankwest you are travelling. You do need to be under 80 for the medical, additional expenses and cancellation cover. For the free domestic Interstate Flight Inconvenience cover, and for Purchase Security, you do have to charge the whole interstate airfare or purchase to the card.
Cover extends to the cardholder, their spouse or de facto partner, and accompanied dependent children, as long as each of them travels with the cardholder on the same itinerary for the whole journey. Everyone has to be travelling overseas from Australia on an activated card with a return ticket. Persons aged 80 or over, whether the cardholder or the spouse, are not eligible for the medical, additional expenses or cancellation benefits. The sums insured are combined limits for the cardholder and their family per journey, not a separate amount each, so check the benefit table in your PDS (Product Disclosure Statement) for how each limit is shared.
It does not work on the free cover, because rental vehicle excess is not included even on the World tier. Rental Vehicle Insurance Excess is a paid Upgraded Benefit, capped at $3,000 with a $250 excess, that you apply and pay for before you travel, and it covers overseas hires only. It also only pays if you have bought the hire company's own damage waiver. There is no cover for Australian hire cars under this card. Excess (the amount the hire company charges you towards damage or theft) on a hire-car claim commonly runs $2,000 to $5,500, so take the counter waiver or a standalone excess policy if a hire car is part of your trip.
Claims go through Cover-More, the agent for the insurer Zurich Australian Insurance Limited. For a medical emergency overseas, call the 24-hour team on +61 2 8907 5615 before treatment where you can, because unapproved costs can be refused. To lodge, use the portal at claims.covermore.com.au/bw or call 1300 468 340 within Australia, and report any theft or loss to police or the carrier within seven days. Keep itemised accounts, the police or carrier report, and your card statement showing the travel ticket. Lodge the claim as soon as the incident happens rather than waiting until you are home, and keep a copy of every document you send.
The World tier gives you free cancellation and unlimited additional expenses, but several benefits are still left out of the free cover. Travel delay, baggage delay, travel documents, resumption of journey, loss of income and rental vehicle excess are all paid Upgraded Benefits, not part of the complimentary cover. Pre-existing medical conditions are excluded unless they are on the PDS auto-covered list or you pay a premium to add them, and there is no medical cover from age 80. There is also no mobile phone insurance, no refund cover, no domestic rental excess, and no domestic medical cover, since Medicare applies within Australia.
Up to six consecutive months per journey, measured from the departure date on your return overseas travel ticket. That is far longer than the 31 days on the Bankwest Platinum tier and covers most long trips outright. If you need even longer, you can extend the period to a 12-month total, but only by applying and paying for the Additional Period of Cover Upgraded Benefit before the cover would otherwise end. Remember that the medical, additional expenses and cancellation cover still does not apply from age 80, regardless of trip length. The exact duration rules are set out in your PDS (Product Disclosure Statement).
Yes, through a free Interstate Flight Inconvenience benefit that applies to return flights between Australian states charged to the card. It covers domestic flight cancellation up to $3,000, flight delay from four hours at $100 per person up to $500, loss or damage to personal goods up to $3,000, and a 12-hour luggage delay up to $250. It does not include overseas-style medical cover, because Medicare applies within Australia, and there is no domestic additional expenses benefit. It is genuine protection for interstate air travel, not a full domestic travel policy.
No. The Bankwest Qantas World Mastercard does not include mobile phone or screen insurance, so a cracked, lost or stolen phone is replaced out of pocket. A newly bought phone can be covered under Purchase Security against theft or accidental damage for 90 days from purchase, with a $250 excess, but that is not the same as ongoing phone cover. Replacing a flagship smartphone yourself typically costs $1,200 to $2,300. If phone cover matters to you, a standalone gadget or mobile policy is the way to fill this gap.
Only in part. The PDS automatically includes a defined list of stable conditions for travellers 79 or under who meet each condition's criteria and were not hospitalised for it in the previous 12 months, covering common ones like asthma, high blood pressure and controlled diabetes. Anything outside that list, or for a traveller who does not meet the criteria, is excluded unless you complete a health assessment and pay an extra premium for Existing Medical Conditions Cover before you travel. If you rely on a condition being covered without checking, a related overseas medical claim can be refused. Confirm your condition against the PDS list, or apply for the paid cover, before you go.
On-piste skiing and snowboarding are covered under the overseas travel policy at no extra cost, because they are on the list of automatically included activities. Off-piste skiing, off-piste snowboarding and heli-skiing or heli-boarding are excluded, so a claim from skiing outside the marked runs would be declined. This only helps if you are under 80 and the medical cover applies, and remember that your ski equipment itself is not separately insured while in use. For off-piste or backcountry plans, a dedicated snow travel policy is the safer option.