How do I activate the 28° Global Platinum complimentary travel insurance?

There is nothing to activate, because the 28° Global Platinum no longer includes complimentary travel insurance. The card ran a limited-time offer that unlocked international and domestic travel cover when you spent $1,000 on flights, but that promotion ended on 31 March 2022 and has not returned. Holding the card today gives you no medical, cancellation, evacuation or baggage cover for any trip. If you are travelling, you need a standalone travel insurance policy, since the card leaves the full medical and cancellation risk with you. The card's real travel strength is separate: it charges $0 foreign transaction fees on overseas spending.

Who is covered under my 28° Global Platinum complimentary insurance?

For travel, nobody is covered, because the card has no travel insurance policy. The only complimentary cover on the card is Purchase Protection and E-Commerce Protection, and those apply to the primary cardholder on eligible items bought with the card. There is no cover for a spouse, partner or children as travellers, since there is no travel benefit at all. If you want family travel cover, a standalone travel policy is the way to insure everyone on the trip. Check the AIG Purchase Protection terms for who can claim on a damaged or stolen purchase.

How does the 28° Global Platinum rental vehicle excess cover actually work?

It does not, because the 28° Global Platinum includes no rental vehicle excess cover, overseas or in Australia. If a hire car is damaged or stolen, the excess (the amount the hire company makes you pay towards the damage) is yours to cover, commonly $2,000 to $5,500. Many Platinum cards reimburse this excess, but this one does not, so declining the counter cover leaves you exposed. If you hire cars, either take the rental company's excess-reduction cover or buy a standalone rental excess policy, which also covers Australian hires from a few dollars a day. The card's $0 foreign transaction fees still help when you pay an overseas hire company.

How do I make a claim on my 28° Global Platinum insurance?

The only claims you can make are on the Purchase Protection and E-Commerce Protection, both administered by AIG Australia. Lodge a claim online at mycardbenefits.com, or call AIG Australia on +61 3 9522 4111 during business hours. You will need the card statement showing the purchase, the receipt, and proof of the damage, theft or non-delivery. There is no travel or medical assistance line to call, because the card carries no travel insurance. Claims are paid up to $1,500 per item with no excess, so keep your proof of purchase and act within the window set in the terms.

What does the 28° Global Platinum not cover?

It does not cover travel at all: no overseas medical, no trip cancellation, no emergency evacuation, no baggage, and no domestic interstate cover. It also has no rental vehicle excess cover, no extended warranty, no mobile phone insurance, no refund cover and no price guarantee. The single benefit it does include is Purchase Protection for theft or accidental damage, capped at $1,500 per item, plus E-Commerce Protection for online orders that never arrive. Everything travel-related sits with you, so an overseas hospital bill or a cancelled trip is entirely your cost. For any trip, treat a standalone travel insurance policy as essential.

Do I still need separate travel insurance if I have the 28° Global Platinum?

Yes, without exception. The 28° Global Platinum provides no travel insurance, so it does nothing for overseas medical bills, cancellations, evacuations or lost luggage. Medicare stops the moment you leave Australia, and a serious hospital admission overseas can run $50,000 to $200,000, all payable by you if you have no policy. A standalone travel insurance policy fills every one of these gaps and usually costs a fraction of that exposure. Use the card for what it is good at, which is $0 foreign transaction fees on overseas spending, and pair it with a proper travel policy for the cover.

Does the 28° Global Platinum include purchase protection?

Yes. This is the card's one genuine complimentary insurance benefit. Purchase Protection covers accidental damage or theft of items bought with the card, in store or online, for 180 days from the date you take possession, with no excess to pay. The limit is $1,500 per item and $1,500 in total each year, so a high-value purchase is only partly covered. There is also E-Commerce Protection for online orders that never arrive when the seller will not refund. Cash, jewellery, vehicles and second-hand items are excluded, and claims are handled by AIG Australia at mycardbenefits.com.

Does the 28° Global Platinum include mobile phone insurance?

No, the 28° Global Platinum does not include mobile phone insurance. There is no cover for a cracked screen, water damage or a stolen handset, even if you bought the phone with the card. The card's Purchase Protection can cover a phone for accidental damage or theft for the first 180 days after purchase, up to $1,500, but that is a general purchase benefit, not ongoing phone insurance. After that window, any repair or replacement is out of pocket, and a flagship screen repair runs $200 to $600. For continuing cover, a standalone gadget or contents policy is the option.

Does the 28° Global Platinum cover skiing or snowboarding?

No. Because the 28° Global Platinum has no travel insurance at all, there is no cover for skiing, snowboarding or any snow-sports injury, on-piste or off-piste. A medical evacuation off a mountain and the hospital treatment after it would be entirely your cost, and overseas that can reach tens of thousands of dollars. This is not a snow-sports exclusion within a policy, it is the absence of any travel policy. If you are heading to the snow in Australia or overseas, take out a dedicated travel policy with snow-sports cover. The card only helps by charging $0 foreign transaction fees on overseas spending.

Does the 28° Global Platinum charge foreign transaction fees?

No, and this is the card's main reason to exist. The 28° Global Platinum charges $0 international transaction fees and $0 currency conversion fees, using competitive Mastercard exchange rates on overseas purchases and online shopping in foreign currencies. That saves roughly 3% compared with a typical card that charges a foreign transaction fee. It makes the card a strong travel spending companion, even though it carries no travel insurance. Just remember the annual fee is $96, charged at $8 a month, and pair the card with a standalone travel policy so you are covered as well as fee-free.

Does the 28 Degrees card travel insurance still exist, and what cover is left?

Latitude·A$96/year·Mastercard Platinum

Pauline LauroreAuthor of HelloSafe's card insurance reviewsUpdated September 16, 20268 min read

0,1/5Independent review · verified September 2026

Travel Insurance

0,0

Car Rental

0,0

Protection

1,0

Our Verdict · Travel Insurance

Our take on travel insurance for the Latitude 28° Global Platinum

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

No travel cover. None at all. If you searched for 28 degrees card travel insurance hoping to skip a separate policy, here is the honest answer. The card once bundled complimentary international and domestic travel insurance, but that promotion ended in March 2022 and never came back. Today nothing on this card insures a trip: no overseas medical, no cancellation, no evacuation, no baggage. Most people assume a Platinum card quietly covers them abroad. This one does not, and Medicare stops the moment you leave Australia, so an overseas hospital admission can run $50,000 to $200,000 on you. What the card does do well is charge $0 foreign transaction fees, which saves roughly 3% on every overseas purchase. That makes it a genuinely useful spending card for travel, just not an insurance one. If you are heading overseas, treat a standalone travel insurance policy as essential, because this card leaves the medical and cancellation risk entirely with you.

What works on travel

$0 international transaction fees: saves roughly 3% on every overseas purchase, the card's real travel value
Free Flight Delay Pass after a 2 hour delay: a lounge perk, useful on the day, though not delay insurance
Nothing to activate and no spend trap, because there is no travel cover to switch on

Where travel breaks down

No overseas emergency medical cover: a serious hospital admission abroad can run $50,000 to $200,000, all on you
No trip cancellation: prepaid flights, hotels and tours are not reimbursable if you cancel
No emergency evacuation: an air ambulance from Southeast Asia to Australia runs $60,000 to $100,000 out of pocket
No domestic interstate cover: cancellation, delay and luggage on Australian trips are uninsured
The complimentary travel insurance ended in March 2022 and has not returned

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 Latitude 28° Global Platinum Travel Insurance actually cover?

No trip cancellation cover. The complimentary travel insurance was withdrawn in March 2022. Prepaid flights, hotels and tours are not reimbursable if you cancel, and a standalone travel insurance policy is required for this coverage.

No overseas emergency medical cover. This card carries no medical policy and no assistance line. All medical costs overseas are the cardholder's responsibility, and Medicare does not cover you outside Australia, where a serious hospital admission can run $50,000 to $200,000.

No emergency evacuation cover. This card provides no travel assistance or repatriation. 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 emergency 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. The Flight Delay Pass gives lounge access, not reimbursement. 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 booking is paid out of pocket.

No early return 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 lost 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 covering fraudulent cash loss overseas is 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 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 hotels 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 travel and accommodation on an interstate trip are out of pocket.

No domestic luggage cover. This benefit is not included with this card. Lost or damaged luggage on an Australian trip is not reimbursed.

No domestic luggage delay cover. This benefit is not included with this card. Essential purchases during a domestic bag delay are out of pocket.

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 Latitude 28° Global Platinum 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

28° Global PlatinumThis card0.1/5?

A$96/yr

With travel insuranceIdeal

Complete coverage · 5.0 / 5

Premium card avg.

A$236 avg. annual fee

Click a layer to highlight its scores on the radar.

Side-by-side comparison

How the Latitude 28° Global Platinum stacks up against the alternatives

Same 5 coverage dimensions, ranked head-to-head against the cards most 28° Global Platinum shoppers also consider.

Card	This card 28° Global Platinum Latitude · A$96/yr 0.1/5?	Vertigo Platinum St.George · A$99/yr 4.3/5?	Amplify Signature Bank of Melbourne · A$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 Latitude 28° Global Platinum

Real experiences on fees, overseas use and cover 1,946 reviews

Madison M. (ProductReview)

2022

Great overseas exchange rates

The foreign exchange rates are generally great.

Andrew (ProductReview)

2025

Blocked while I was overseas

They recently introduced a monthly card fee without proper notification, they blocked my card just on 1 unpaid card fee of $8 and I was without a card while overseas!

Jim T. (ProductReview)

July 2026

Fees and interest add up

High interest rate 28% compared to 21% by major banks. App is clunky, transfer money takes 2 days to arrive, slug you $8 a month as well.

Purchase and e-commerce protection claims (AIG)

+61 3 9522 4111

Business hours

Overseas online-purchase claims (AIG)

+61 3 9522 4111

Standard call rates · Business hours

Benefit administrator: AIG Australia Limited (purchase and e-commerce protection, under a Mastercard group policy)

Claims & pre-authorizations

How to claim on the 28° Global Platinum purchase protection

Step 1: Act as soon as the damage, theft or non-delivery happens

Keep the item, the packaging and any police or incident report. Note the purchase date, since accidental damage and theft are only covered for 180 days from when you took possession.

Step 2: Lodge the claim with AIG through mycardbenefits.com

Register the claim online at mycardbenefits.com, or contact AIG Australia on +61 3 9522 4111. There is no travel or medical assistance line, because this card carries only purchase and e-commerce protection.

Step 3: Provide proof the item was bought on the card

Send the card statement showing the purchase, the receipt, and evidence of the damage, theft or non-delivery. Claims are paid up to $1,500 per item with no excess.

There is nothing to activate, because the 28° Global Platinum no longer includes complimentary travel insurance. The card ran a limited-time offer that unlocked international and domestic travel cover when you spent $1,000 on flights, but that promotion ended on 31 March 2022 and has not returned. Holding the card today gives you no medical, cancellation, evacuation or baggage cover for any trip. If you are travelling, you need a standalone travel insurance policy, since the card leaves the full medical and cancellation risk with you. The card's real travel strength is separate: it charges $0 foreign transaction fees on overseas spending.
For travel, nobody is covered, because the card has no travel insurance policy. The only complimentary cover on the card is Purchase Protection and E-Commerce Protection, and those apply to the primary cardholder on eligible items bought with the card. There is no cover for a spouse, partner or children as travellers, since there is no travel benefit at all. If you want family travel cover, a standalone travel policy is the way to insure everyone on the trip. Check the AIG Purchase Protection terms for who can claim on a damaged or stolen purchase.
It does not, because the 28° Global Platinum includes no rental vehicle excess cover, overseas or in Australia. If a hire car is damaged or stolen, the excess (the amount the hire company makes you pay towards the damage) is yours to cover, commonly $2,000 to $5,500. Many Platinum cards reimburse this excess, but this one does not, so declining the counter cover leaves you exposed. If you hire cars, either take the rental company's excess-reduction cover or buy a standalone rental excess policy, which also covers Australian hires from a few dollars a day. The card's $0 foreign transaction fees still help when you pay an overseas hire company.
The only claims you can make are on the Purchase Protection and E-Commerce Protection, both administered by AIG Australia. Lodge a claim online at mycardbenefits.com, or call AIG Australia on +61 3 9522 4111 during business hours. You will need the card statement showing the purchase, the receipt, and proof of the damage, theft or non-delivery. There is no travel or medical assistance line to call, because the card carries no travel insurance. Claims are paid up to $1,500 per item with no excess, so keep your proof of purchase and act within the window set in the terms.
It does not cover travel at all: no overseas medical, no trip cancellation, no emergency evacuation, no baggage, and no domestic interstate cover. It also has no rental vehicle excess cover, no extended warranty, no mobile phone insurance, no refund cover and no price guarantee. The single benefit it does include is Purchase Protection for theft or accidental damage, capped at $1,500 per item, plus E-Commerce Protection for online orders that never arrive. Everything travel-related sits with you, so an overseas hospital bill or a cancelled trip is entirely your cost. For any trip, treat a standalone travel insurance policy as essential.
Yes, without exception. The 28° Global Platinum provides no travel insurance, so it does nothing for overseas medical bills, cancellations, evacuations or lost luggage. Medicare stops the moment you leave Australia, and a serious hospital admission overseas can run $50,000 to $200,000, all payable by you if you have no policy. A standalone travel insurance policy fills every one of these gaps and usually costs a fraction of that exposure. Use the card for what it is good at, which is $0 foreign transaction fees on overseas spending, and pair it with a proper travel policy for the cover.
Yes. This is the card's one genuine complimentary insurance benefit. Purchase Protection covers accidental damage or theft of items bought with the card, in store or online, for 180 days from the date you take possession, with no excess to pay. The limit is $1,500 per item and $1,500 in total each year, so a high-value purchase is only partly covered. There is also E-Commerce Protection for online orders that never arrive when the seller will not refund. Cash, jewellery, vehicles and second-hand items are excluded, and claims are handled by AIG Australia at mycardbenefits.com.
No, the 28° Global Platinum does not include mobile phone insurance. There is no cover for a cracked screen, water damage or a stolen handset, even if you bought the phone with the card. The card's Purchase Protection can cover a phone for accidental damage or theft for the first 180 days after purchase, up to $1,500, but that is a general purchase benefit, not ongoing phone insurance. After that window, any repair or replacement is out of pocket, and a flagship screen repair runs $200 to $600. For continuing cover, a standalone gadget or contents policy is the option.
No. Because the 28° Global Platinum has no travel insurance at all, there is no cover for skiing, snowboarding or any snow-sports injury, on-piste or off-piste. A medical evacuation off a mountain and the hospital treatment after it would be entirely your cost, and overseas that can reach tens of thousands of dollars. This is not a snow-sports exclusion within a policy, it is the absence of any travel policy. If you are heading to the snow in Australia or overseas, take out a dedicated travel policy with snow-sports cover. The card only helps by charging $0 foreign transaction fees on overseas spending.
No, and this is the card's main reason to exist. The 28° Global Platinum charges $0 international transaction fees and $0 currency conversion fees, using competitive Mastercard exchange rates on overseas purchases and online shopping in foreign currencies. That saves roughly 3% compared with a typical card that charges a foreign transaction fee. It makes the card a strong travel spending companion, even though it carries no travel insurance. Just remember the annual fee is $96, charged at $8 a month, and pair the card with a standalone travel policy so you are covered as well as fee-free.