No trip cancellation cover. This benefit is not included with the Gold Low Rate, which carries no 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 Heritage Gold Low Rate come with any travel insurance?
Heritage Bank·$0/year·Visa
0,0/5Independent review · verified October 2026
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Our Verdict · Travel Insurance
Our take on travel insurance for the Heritage Bank Gold Low Rate
Expert review · Pauline LauroreAuthor of HelloSafe's card insurance reviews
No travel insurance. None on this card. Searches for Heritage Gold Low Rate travel insurance usually mix up two cards: the no-frills Gold Low Rate, which is this one, and the Heritage Visa Platinum, which does carry Allianz complimentary cover. This one carries nothing. So you book flights to Bali, assume the Visa quietly insures the trip, and only learn at the hospital that it never did. Medicare pays nothing overseas, and a serious admission can run $50,000 to $200,000, all on you. What the Gold Low Rate does well is stay cheap: a low 11.80% purchase rate, no annual fee for life, and 0% on balance transfers for a year. 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 with this card.
What works on travel
- Low 11.80% p.a. purchase rate with no annual fee for life: one of Heritage's cheapest cards to carry a balance
- 0% p.a. for 12 months on balance transfers with no transfer fee: cheap to hold while you insure trips separately
Where travel breaks down
- No overseas emergency medical cover: a serious hospital admission abroad, commonly $50,000 to $200,000, is entirely on you
- Easily confused with the Heritage Visa Platinum, which does carry Allianz cover: the Gold Low Rate has never included travel insurance
- 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 Heritage Bank Gold Low Rate Travel Insurance actually cover?
No overseas emergency medical cover. There is no 24/7 assistance line attached to this card, which has never carried complimentary travel 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 Gold Low Rate. 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 Heritage Bank Gold Low Rate 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
Gold Low RateThis card0.0/5?
$0/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 Heritage Bank Gold Low Rate stacks up against the alternatives
Same 5 coverage dimensions, ranked head-to-head against the cards most Gold Low Rate shoppers also consider.
| Card | This card Gold Low Rate Heritage Bank · $0/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 Heritage Bank Gold Low Rate
Real experiences with the low-rate card and its lack of insurance 12 reviews
S(
sewgood (ProductReview)
Cheapest rate I could find, no annual fee
One of the cheapest interest rates on the market, only 9.95% and no annual fee. I switched from a card charging 16% plus a $24 fee and never looked back.
G(
Gauge (ProductReview)
Quoted one rate, charged another
Told face to face over two meetings it was 3 percent. Upon final payment they said we can see here you are at 8.9 percent.
AA
Alejandro A. (ProductReview)
Application process is stuck in the past
The whole application is over the phone with multiple calls and some lasting more than one hour. The process is not from this century.
Emergency · Card assistance line
How to contact Heritage Bank Gold Low Rate assistance?
Heritage Bank card servicing (Australia)
13 14 22
Card and account queries
Lost or stolen card (from overseas)
+61 7 4694 9000
Standard international call rates · 24/7 for lost or stolen cards, 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 Gold Low Rate
1
Step 1: Know there is nothing to claim on the card
The Gold Low Rate carries no complimentary travel, rental, or purchase insurance, so there is nothing to claim through Heritage Bank or Allianz. Do not assume the Visa badge insures a trip, and do not confuse this card with the Heritage Visa Platinum, which does carry Allianz cover.
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 Heritage Bank
Contact Heritage Bank on 13 14 22 within Australia, or +61 7 4694 9000 from overseas for a lost or stolen card. This line handles card and account queries, not insurance claims.
FAQ
What people ask about the Heritage Bank Gold Low Rate
- You cannot, because there is no travel insurance to activate. The Heritage Gold Low Rate is a no-frills low interest rate card that carries no complimentary travel, rental, or purchase insurance, so no amount of spending switches any cover on. This is a common mix-up, because the separate Heritage Visa Platinum does include Allianz complimentary cover, but the Gold Low Rate has never carried it. 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 Heritage Gold Low Rate has no complimentary travel, rental, or purchase insurance, so there is no cover for the cardholder, a spouse or partner, or dependent children. Complimentary cover in the Heritage range belongs to the Visa Platinum Credit Card, not to the low-rate Gold. To protect anyone on a trip, take out a separate travel insurance policy that names each traveller, and buy it before you leave Australia.
- It does not, because the card carries no rental vehicle excess cover at all. Rental Vehicle Excess cover in the Heritage range sits inside the complimentary insurance on the Visa Platinum, and the Gold Low Rate is not that card. 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. Neither Heritage Bank nor any insurer will accept a travel, rental, or purchase claim tied to the Gold Low Rate. 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 Heritage Bank on 13 14 22 within Australia or +61 7 4694 9000 from overseas, though that line handles card servicing, not insurance claims.
- The short answer is everything on the insurance side. The Heritage Gold Low Rate 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. What the card does keep is a low 11.80% purchase rate and no annual fee, so it is a low-cost everyday spender, just not an insurance product.
- Yes, and it is not optional if you want to be covered. Because the Heritage Gold Low Rate 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. Buy the policy before you leave, and check its pre-existing condition terms.
- No. The Heritage Gold Low Rate does not include mobile phone or screen insurance, and it has never carried 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 Heritage Gold Low Rate, so skiing, snowboarding, and any snow-sports injury or equipment loss are not covered, on-piste or off-piste. Snow cover on Australian cards comes through complimentary travel insurance, which this low-rate card does not have. 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. Arrange it before you travel, and check the activities each policy lists.
- No, and this is the key point to get right. The Gold Low Rate and the Heritage Visa Platinum are two different cards. The Visa Platinum does include Allianz complimentary insurance such as overseas travel cover, interstate flight inconvenience, rental vehicle excess, and purchase protection. The Gold Low Rate has never carried any of that. If you hold the Gold Low Rate and want the trip covered, you need a standalone travel insurance policy, or you would need to hold the Platinum card instead. Do not assume the two cards share benefits, because they do not.
Not just Heritage Bank
Other cards worth considering
Gold Low Rate 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
