Bendigo Platinum Rewards travel insurance: what does the complimentary cover include?

Covers the non-refundable portion of prepaid travel and accommodation you cannot recover, up to a total of $50,000, with a $250 excess per claim. The covered-reasons list is broad: illness or injury, a relative's death or serious illness, carrier cancellation from mechanical breakdown, strikes, riots, weather or natural disaster, quarantine, a destroyed home, a court subpoena, and retrenchment. Cover only applies once you charge at least $500 of prepaid travel to the card and hold a return overseas ticket. Any claim linked to a pre-existing medical condition is excluded.

Covers overseas emergency medical and hospital costs up to $20,000,000, with a $250 excess per claim. Treatment can continue for up to 12 consecutive months from your departure date if you cannot travel home. Emergency dental for sudden acute toothache carries a separate $1,250 sub-limit. No claim arising from a pre-existing medical condition is payable.

Covers overseas emergency assistance, medical evacuation and repatriation up to $20,000,000, with no excess. The 24-hour Allianz Global Assistance line arranges and approves evacuation to the nearest suitable hospital or home. Repatriation of remains and overseas funeral expenses are covered up to $20,000 per person under a separate funeral benefit.

Covers sudden and acute pain (spontaneous toothache) to natural teeth overseas, up to $1,250 per person, with a $250 excess. Routine, preventative and cosmetic dental treatment, and any work involving precious metals, are not covered.

Pays $100 per person per day if you are hospitalised overseas for more than 24 continuous hours, up to $5,000 per person and a $12,000 total for all claims combined. No excess applies. It is a cash allowance on top of medical cover, not a reimbursement of treatment costs.

Covers reasonable additional travel and accommodation if injury, illness or a specified disruption stops you continuing your journey, up to a total of $30,000, with a $250 excess. Specified disruptions include strikes, riots, weather, natural disasters, quarantine and losing your passport. Where practicable you must contact Allianz Global Assistance for approval before incurring the costs.

Pays for reasonable additional meals and accommodation after a delay of at least 6 consecutive hours outside your control, up to $1,000 per person and $2,000 in total, with no excess. The benefit starts at the end of the initial 6-hour period. Keep your receipts, since the insurer asks for them.

Covers reasonable additional transport costs to reach a special event on time after your journey is interrupted by an unexpected cause outside your control, up to $3,500 in total, with no excess. It applies to reaching a pre-booked special event, such as a wedding or conference, not general onward travel.

Reimburses the reasonable additional cost of returning home early if a relative in Australia, aged under 81, dies or is hospitalised with a serious illness or injury during your journey, up to $6,000 per person and $12,000 in total. There is no excess. It covers the early return home only, not the cost of flying back to resume the trip.

Reimburses essential items you have to buy when the carrier delays your luggage, up to $500 per person and $1,000 in total, with no excess. Any amount later reimbursed by the carrier is deducted, so keep the receipts for what you buy during the delay.

Covers theft, accidental damage or permanent loss of luggage and personal items up to $15,000 per person and $20,000 in total, with a $250 excess. Per-item sub-limits apply: $2,500 for cameras and equipment, $2,500 in total for laptops, $2,500 per jewellery or watch item, and $1,500 for each other item. Valuables left in a vehicle or checked into cargo, and sporting equipment while in use, are not covered.

Covers the reissue or replacement cost of lost or stolen passports, travel documents, transaction cards and travellers cheques, plus loss from their fraudulent use, up to $550 per person and $1,000 in total. No excess applies.

Covers your legal liability for negligently causing death, bodily injury or property damage to others overseas, up to $2,500,000 in total, including reasonable legal costs approved in advance. No excess applies. Liability linked to vehicles, aircraft, watercraft, firearms or your work is excluded.

Pays a lump sum of $20,000 per person, up to a $100,000 total for all claims combined, if an accident during the journey causes death within 12 months. No excess applies. It is a fixed benefit, separate from medical or evacuation cover.

No loss of income cover. This benefit is not included with this card. Lost earnings after an injury overseas are not replaced, which can run into thousands over weeks off work.

Covers cancellation of prepaid domestic travel and accommodation on an interstate trip, up to a total of $3,000, with no excess. Cover applies once the full return domestic airfare is charged to the card, or you spend at least $250 on prepaid domestic travel and hold a return domestic flight ticket. The interstate cover runs for up to 14 days from the start of the journey.

Pays for reasonable additional meals and accommodation if a domestic flight is delayed by 4 hours or more for reasons outside your control, at $100 per person up to a $500 total, with no excess. It applies to interstate flights activated under the domestic cover, not overseas legs.

Covers reasonable additional travel and accommodation on an interstate trip if injury, illness or a covered disruption stops you continuing, up to a total of $3,000, with no excess. There is no domestic medical benefit, since Medicare covers treatment within Australia.

Covers theft, accidental damage or permanent loss of luggage on an interstate trip, at up to $500 per covered item and a $2,500 total, with no excess. The per-item cap is low, so a high-value camera or laptop is only partly covered.

Reimburses essential items if the carrier delays your luggage on a domestic flight for 12 hours or more, at $100 per person up to a $500 total, with no excess. Any amount later paid by the carrier is deducted.