No trip cancellation cover. This benefit is not included with the Coles Rewards Mastercard. Prepaid flights, hotels and tours are not reimbursable if you cancel, and a standalone travel insurance policy is required for this cover.
Coles Mastercard travel insurance: what cover do you actually get?
Coles·A$99/year·Mastercard
0,0/5Independent review · verified August 2026
0,0
0,0
0,0
Our Verdict · Travel Insurance
Our take on travel insurance for the Coles Rewards Mastercard
Expert review · Pauline LauroreAuthor of HelloSafe's card insurance reviews
No travel insurance. None at all. Here is what that means before you fly with a Coles Rewards Mastercard. Most shoppers assume a rewards card quietly covers overseas trips the way premium cards do, but this one does not. There is no coles mastercard travel insurance here: no overseas emergency medical, no trip cancellation, no rental excess, and no domestic flight cover. Medicare stops at the airport, and a serious hospital admission overseas can run $50,000 to $200,000, all of it on you. A standalone travel insurance policy covers the same trip from a few dollars a day. If you only use the card for flybuys points on the groceries, that gap costs you nothing. Charge a holiday to it expecting cover, and you are travelling uninsured.
What works on travel
- No spend activation to forget, because there is no travel cover to switch on
- Up to four additional cardholders at no extra fee, though none gain any travel cover
Where travel breaks down
- No overseas emergency medical: a serious hospital admission abroad can run $50,000 to $200,000, entirely out of pocket
- No trip cancellation: prepaid flights, hotels and tours are not reimbursable if you cancel
- No rental excess and no domestic interstate cover: the card adds nothing for road trips or interstate flights
- Holding the card insures nothing: a standalone policy is required for any real travel protection
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 Coles Rewards Mastercard Travel Insurance actually cover?
No overseas medical cover. This benefit is not included with the Coles Rewards Mastercard. 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 this card. 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 paid out of pocket.
No hospital cash allowance. This benefit is not included with this card. There is no daily cash payment for time spent in hospital overseas.
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 missed connection cover. This benefit is not included with this card. Alternative transport to catch up with a booked itinerary 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 luggage delay cover. This benefit is not included with this card. Buying essentials while a bag is delayed is out of pocket.
No luggage 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. Replacing a stolen passport or cash overseas is at the cardholder's expense.
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 such 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 for an accidental death while travelling.
No loss of income benefit. This benefit is not included with this card. Lost earnings after a travel injury are not replaced.
No domestic cancellation cover. This benefit is not included with this card. Prepaid interstate flights and accommodation are not reimbursable if you cancel.
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 costs after a disruption are out of pocket.
No domestic luggage cover. This benefit is not included with this card. Lost or damaged luggage on an interstate trip is the cardholder's responsibility.
No domestic luggage delay cover. This benefit is not included with this card. Essential purchases during a domestic luggage 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 Coles Rewards 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
Rewards MastercardThis card0.0/5?
A$99/yrWith travel insuranceIdeal
Complete coverage · 5.0 / 5Premium card avg.
A$241 avg. annual feeClick a layer to highlight its scores on the radar.
Side-by-side comparison
How the Coles Rewards Mastercard stacks up against the alternatives
Same 5 coverage dimensions, ranked head-to-head against the cards most Rewards Mastercard shoppers also consider.
| Card | This card Rewards Mastercard Coles · A$99/yr 0.0/5? | Amplify Platinum Bank of Melbourne · A$175/yr 4.3/5? | Amplify Qantas Signature Bank of Melbourne · A$370/yr 4.3/5? | |
|---|---|---|---|---|
Trip cancellation Per person, per trip cap | Not covered Cover this gap → | Unlimited Unlimited | 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 / $500 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 Coles Rewards Mastercard
Real experiences with the card, its fees and service (there is no travel cover to review) 342 reviews
M(
Mary (ProductReview)
Grateful for the fraud and dispute team
I am so grateful to the Customer Service team in the fraud and dispute departments. The staff were professional, knowledgeable and very friendly.
P(
Paolo (ProductReview)
Fine for rewards, painful when something goes wrong
If you are looking for a basic card that gives rewards, the Coles Card rates highly, BUT IF YOU HAVE A PROBLEM, EXPECT LONG PHONE WAITS AND A LOT OF FRUSTRATION.
AO
Ann Ominus (ProductReview)
Service has slipped
Hopeless services. Used to be better but now Outsourced to Phillipines call centre that is useless.
Emergency · Card assistance line
How to contact Coles Rewards Mastercard assistance?
Coles Credit Cards (card enquiries)
1300 306 397
Business hours
Benefit administrator: None for this card. Where Coles complimentary cover exists it is administered by Allianz Global Assistance (AWP Australia) for the issuer NAB.
Claims & pre-authorizations
How claims work on the Coles Rewards Mastercard
1
Step 1: Know there is no travel or purchase insurance to claim
The Coles Rewards Mastercard includes no complimentary travel insurance or rental excess cover, so there is no travel policy to claim against. Any purchase or warranty cover that once applied sat with the retired Coles Platinum tier and is being removed from 1 December 2026.
2
Step 2: For a fault, fraud or disputed transaction, contact Coles Credit Cards
Card servicing, fraud and chargeback disputes are handled by Coles Credit Cards on 1300 306 397, with the issuer NAB behind the account. Have your statement and the transaction details ready.
3
Step 3: For trip protection, arrange a standalone policy before you travel
Because the card provides no travel cover, buy a separate travel insurance policy for overseas medical, cancellation and luggage, plus a standalone rental excess policy if you plan to hire a car.
FAQ
What people ask about the Coles Rewards Mastercard
- There is nothing to activate, because the Coles Rewards Mastercard does not include complimentary travel insurance. Unlike many premium cards, it has no overseas medical, cancellation, luggage or rental excess cover to switch on with a spend threshold or a return ticket. It is a supermarket rewards card issued by NAB, built around flybuys points rather than travel benefits. If you want cover for an upcoming trip, you need to buy a standalone travel insurance policy, because holding this card gives you no travel protection at all.
- No current Coles credit card comes with complimentary travel insurance. The Rewards Mastercard, the Low Rate Mastercard and the No Annual Fee Mastercard all leave overseas and domestic travel cover to you. Historically some purchase protection and extended warranty cover sat with the retired Coles Platinum tier, but that is being removed from 1 December 2026 and never included travel insurance in any case. For overseas medical, trip cancellation or rental excess, compare a dedicated travel insurance policy rather than relying on a Coles card.
- For travel purposes, nobody is covered, because the card carries no complimentary travel insurance for the cardholder, a partner or children. On the card account itself you can add up to four additional cardholders at no extra fee, but that only gives them spending access, not any insurance cover. So if you are planning a family holiday, do not count on this card to protect anyone. Each traveller needs their own or a family travel insurance policy arranged separately before departure.
- It does not work, because the Coles Rewards Mastercard has no rental vehicle excess benefit, either overseas or within Australia. Many premium cards reimburse the excess you owe after a hire-car accident, up to a cap, but this card offers nothing of the sort. If you damage a hire car, the full excess is yours to pay, commonly $2,000 to $5,500 in Australia and up to $8,000 overseas. A standalone rental excess policy covers that risk from a few dollars a day, which is worth arranging before you collect the keys.
- There is no travel or purchase insurance on the Coles Rewards Mastercard to lodge a claim against. If your issue is a disputed transaction, suspected fraud or a card fault, contact Coles Credit Cards on 1300 306 397, with the issuer NAB behind the account, and keep your statement and transaction details handy. If your issue is a travel loss such as a medical bill, cancellation or lost luggage, only a standalone travel insurance policy can pay a claim. The card itself provides no cover to draw on.
- Yes, and it is not a close call. The Coles Rewards Mastercard provides no overseas emergency medical cover, so Medicare aside, every dollar of an overseas hospital bill is yours, and a serious admission can run $50,000 to $200,000. It also has no trip cancellation, luggage or rental excess cover. A standalone travel insurance policy covers all of these for a single trip, often for less than the cost of one night's accommodation. Treat this card as a payment and rewards tool, and arrange real travel insurance separately.
- No, the Coles Rewards Mastercard does not include mobile phone insurance. If your phone is stolen or the screen cracks, the repair or replacement is entirely your cost, and replacing a flagship handset out of pocket runs $1,200 to $2,300. Some cards link phone cover to paying your monthly phone bill on the card, but this one does not. If you want protection for your device, look at a dedicated mobile insurance policy or check whether your home contents policy includes portable items, rather than expecting cover from this card.
- No. Because the Coles Rewards Mastercard has no complimentary travel insurance at all, there is no cover for skiing, snowboarding or any other activity, on-piste or off-piste, in Australia or overseas. A ski injury abroad can mean a large hospital bill and a costly evacuation, none of which this card would pay. If you are heading to the snow, take out a travel insurance policy that specifically includes your snow activities, and read its on-piste and off-piste terms carefully, since this card leaves that risk entirely with you.
Not just Coles
Other cards worth considering
Rewards Mastercard is a strong choice — but depending on what you prioritize, one of these may suit you better.
Amplify Qantas Signature
Bank of Melbourne
Amplify Qantas Platinum
Bank of Melbourne
Amplify Platinum
Bank of Melbourne
Amplify
Bank of Melbourne
Fill the gaps in your card
Find complementary travel insurance
We analyze the gaps in your card and recommend the best complementary travel insurance based on your destination and profile.
Step 1 of 3
