What does the complimentary insurance on my Heritage Bank Platinum actually cover?

Covers prepaid, non-refundable travel that you have to cancel or amend for a covered reason, up to a total of $50,000, with travel agent fees capped at $500. A $250 excess applies to each claim. Cover only starts once $950 of prepaid travel is charged to the card and you hold a return overseas ticket.

Overseas emergency medical and hospital costs are covered up to $20 million, with a $250 excess per claim. Emergency dental for sudden acute toothache to natural teeth is limited to $1,250. Ongoing treatment overseas is covered for up to 12 months where you are certified unfit to travel.

Overseas emergency assistance, including medical evacuation and repatriation to Australia, is covered up to $20 million with no excess. The 24/7 Allianz Global Assistance line arranges and approves the evacuation. Repatriation of remains and funeral costs overseas are covered up to $15,000.

Covers emergency dental treatment overseas for sudden and acute pain (toothache) to natural teeth, up to $1,250 per person. A $250 excess applies. Routine, cosmetic and planned dental work is not covered.

Pays a cash allowance of $110 per person per day if you are hospitalised overseas, up to $5,000 per person and $7,500 for all claims combined. It is paid on top of medical costs, to cover incidentals during a hospital stay. No excess applies.

Covers reasonable additional travel and accommodation costs overseas when your trip is disrupted by a covered event such as illness, injury or a transport delay, up to $30,000. A $250 excess applies per claim.

Recommended : A$100,000

If your scheduled transport is delayed six consecutive hours or more, you can claim meals and accommodation up to $275 per person, capped at $700 in total. No excess applies. The delay must be outside your control.

Recommended : A$2,000

Covers the cost of alternative transport to reach your destination on time after a covered delay to your scheduled transport, up to $2,500. No excess applies. It is meant for time-critical connections, not general schedule changes.

Covers the cost to return home early following the death or hospital admission of a relative in Australia, up to $5,000 per cardholder or spouse and $10,000 in total. A $250 excess applies. This benefit covers the return home, not the cost to resume the trip afterwards.

Recommended : A$12,000

If the carrier delays or misplaces your luggage for more than 10 consecutive hours, you can claim essential clothing and personal items up to $500 per person and $1,000 in total. No excess applies. Anything paid here is deducted from a later lost-luggage claim.

Recommended : A$1,500

Covers luggage and personal effects that are stolen, accidentally damaged or permanently lost, up to $11,000 per person and $16,000 in total, with a $250 excess. Per-item sub-limits apply: $3,000 for cameras, $3,000 total for laptops, $3,000 per item for jewellery and watches, and $1,500 for other items. Depreciation applies to items over 12 months old.

Recommended : A$15,000

Covers the replacement of travel documents, transaction cards and travellers cheques, plus lost or stolen cash, up to $500 per person and $1,000 in total. No excess applies. It helps with reissue costs after a theft or loss overseas.

Covers your legal liability if you negligently cause death, bodily injury or property damage to someone else overseas, up to $2,250,000, including reasonable legal costs approved in advance. No excess applies. Liability from vehicles, aircraft and your own business is excluded.

Recommended : A$2,500,000

Pays a lump sum of $25,000 per person if you die as a result of an accident during the journey, up to $50,000 for all claims combined. No excess applies. Overseas funeral or repatriation of remains is covered separately up to $15,000.

No loss of income benefit. This booklet does not pay income replacement if an overseas injury stops you working after you return. Lost wages during recovery are the cardholder's responsibility.

Covers cancellation of prepaid domestic travel on an interstate trip, up to $3,000, with a $250 excess. Cover applies when the entire return interstate flight, or $250 of prepaid domestic travel plus a return flight, is charged to the card. Trips are covered for up to 14 consecutive days.

If an interstate flight is delayed four hours or more, you can claim meals and accommodation up to $80 per person, capped at $300 in total. No excess applies. It covers domestic flight delays only, not overseas legs.

Covers reasonable extra travel and accommodation on an interstate trip when it is disrupted by a covered event such as illness or injury, up to $3,000, with a $250 excess. There is no domestic medical cover, because Medicare applies within Australia.

Covers luggage lost, stolen or damaged on an interstate trip, up to $750 per item and $1,500 in total, with a $250 excess. Sub-limits and exclusions mirror the overseas luggage benefit at lower caps.

If the carrier delays your luggage on an interstate trip for 12 hours or more, you can claim essential items up to $150 per person and $450 in total. No excess applies. Amounts paid here are deducted from any later domestic luggage claim.