How do I activate the Latitude Eco Mastercard travel insurance?

You cannot, because there is no travel insurance to activate. The Latitude Eco Mastercard was a basic everyday card built around carbon offsets, and it carries no complimentary travel cover, so holding it or spending on it switches nothing on. There is no overseas medical, cancellation, evacuation or baggage benefit tied to the card. If you are travelling and want that protection, the only route is a standalone travel insurance policy bought before you leave Australia. The card also charges a 3% foreign exchange fee, so it is not a strong choice for overseas spending either.

Who is covered under my Latitude Eco Mastercard complimentary insurance?

No one, because the Latitude Eco Mastercard has no complimentary travel, rental or purchase insurance. There is nothing to extend to the primary cardholder, a spouse or partner, or dependent children, since the card carries no policy at all. This is not a case of narrow limits, it is the absence of any cover. To protect anyone travelling, take out a separate travel insurance policy that names each traveller and their trip. Buy it before departure so everyone is covered from the day you leave.

How does the Latitude Eco Mastercard rental vehicle excess cover actually work?

It does not, because the Latitude Eco Mastercard 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 on an Australian hire. Many cards reimburse this excess, but this one does not, so declining the counter cover leaves you fully exposed. A standalone rental excess policy covers both Australian and overseas hires from a few dollars a day and is the only way to shift that cost off this card.

How do I make a claim on my Latitude Eco Mastercard insurance?

There is nothing to claim, because this card has no complimentary insurance. The Latitude Eco Mastercard carries no travel, rental or purchase cover, so Latitude and its partners will not accept an insurance claim tied to this card. 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 Latitude on 13 10 24 within Australia or +61 2 8747 8178 from overseas, though that line does not handle insurance claims.

What does the Latitude Eco Mastercard not cover?

On the insurance side, everything. The Latitude Eco Mastercard 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 and no mobile phone insurance. None of these were ever part of the card. What it does keep is a $49 annual fee and up to 55 interest free days on purchases, so it is a simple everyday card, not an insurance product, and it charges a 3% foreign exchange fee on overseas spending.

Do I still need separate travel insurance if I have the Latitude Eco Mastercard?

Yes, and it is not optional if you want to be covered. Because the Latitude Eco Mastercard 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 Australia, and check its pre-existing condition terms so nothing important is left out.

Does the Latitude Eco Mastercard include mobile phone insurance?

No. The Latitude Eco Mastercard does not include mobile phone or screen insurance, and it never carried a dedicated 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.

Does the Latitude Eco Mastercard cover skiing or snowboarding?

No. There is no travel policy attached to the Latitude Eco Mastercard, so skiing, snowboarding and any snow-sports injury or equipment loss are not covered, 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 cover. For a ski or snowboard trip, take out a dedicated snow travel insurance policy, which usually covers on-piste activity and can add off-piste cover for an extra premium.

Does the Latitude Eco Mastercard come with any complimentary insurance?

No. The Latitude Eco Mastercard comes with no complimentary insurance of any kind: no travel insurance, no rental vehicle excess, no purchase protection, no extended warranty and no smartphone cover. It was a basic carbon-offset everyday card, now closed to new applications, and insurance was never part of the package. It keeps a $49 annual fee and up to 55 interest free days on purchases, but it charges a 3% foreign exchange fee and gives you nothing to fall back on for a trip. For any travel, buy a standalone policy before you go.

Does the Latitude Eco Mastercard include travel insurance or any cover at all?

Latitude·A$49/year·Mastercard

Pauline LauroreAuthor of HelloSafe's card insurance reviewsUpdated August 6, 20268 min read

0,0/5Independent review · verified August 2026

Travel Insurance

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Car Rental

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Protection

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Our Verdict · Travel Insurance

Our take on travel insurance for the Latitude Eco Mastercard

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

No travel cover. None at all. If you searched latitude eco mastercard travel insurance hoping to skip a separate policy, here is the blunt answer. The Eco Mastercard was built as a basic carbon-offset everyday card, not a travel one, and it carries no complimentary travel insurance of any kind. Most cardholders assume any Mastercard quietly protects 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. There is no overseas medical, no cancellation, no evacuation and no baggage cover to fall back on. It also charges a 3% foreign exchange fee, so it is not even a strong card to spend on overseas. If you are travelling, treat a standalone travel insurance policy as essential, because this card leaves every travel risk with you.

What works on travel

Nothing to activate and no spend trap, because there is no travel cover to switch on
Up to 55 days interest free on purchases when you clear the balance in full each month
Low $49 annual fee for a simple card you keep as a backup

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
A 3% foreign exchange fee applies, so it is a poor card to spend on overseas as well

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 Eco Mastercard Travel Insurance actually cover?

No trip cancellation cover. This benefit is not included with this card. 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. 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 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 Eco 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

Eco MastercardThis card0.0/5?

A$49/yr

With travel insuranceIdeal

Complete coverage · 5.0 / 5

Premium card avg.

A$240 avg. annual fee

Click a layer to highlight its scores on the radar.

Side-by-side comparison

How the Latitude Eco Mastercard stacks up against the alternatives

Same 5 coverage dimensions, ranked head-to-head against the cards most Eco Mastercard shoppers also consider.

Card	This card Eco Mastercard Latitude · A$49/yr 0.0/5?	Amplify Platinum Bank of Melbourne · A$175/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	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 Latitude Eco Mastercard

Real experiences with a basic Latitude card that carries no insurance 1,068 reviews

Lani D (ProductReview)

2025

Good for building credit

It's been a great option for me to build my credit score, as with no credit history and low income most banks won't approve you.

Ebi A. (ProductReview)

2026

Fees even at zero debt

They hit you with fees left and right even when you carry zero debt, just for keeping a card open. There's no reward for staying debt-free with them, only charges.

fynn b. (ProductReview)

2025

Fees are through the roof

$5 paper statements are you serious. Fees are through the roof.

Latitude card servicing (Australia)

13 10 24

Card and account queries, not insurance claims

Latitude lost or stolen card (from overseas)

+61 2 8747 8178

Standard international call rates · 24/7 for a lost or stolen card, not travel claims

Benefit administrator: Not applicable. The Latitude Eco Mastercard 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 Latitude Eco Mastercard

Step 1: Accept there is nothing to claim before you travel

The Latitude Eco Mastercard carries no complimentary travel, rental or purchase insurance, and it never did, so there is nothing to lodge with Latitude or any insurer. Do not assume an everyday card insures the trip.

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.

Step 3: For a lost card or a disputed charge, call Latitude

Contact Latitude on 13 10 24 within Australia, or +61 2 8747 8178 from overseas for a lost or stolen card, fraud or a disputed transaction. Lost or stolen cards inside Australia can also use 1800 005 809. This line does not handle travel or insurance claims.

You cannot, because there is no travel insurance to activate. The Latitude Eco Mastercard was a basic everyday card built around carbon offsets, and it carries no complimentary travel cover, so holding it or spending on it switches nothing on. There is no overseas medical, cancellation, evacuation or baggage benefit tied to the card. If you are travelling and want that protection, the only route is a standalone travel insurance policy bought before you leave Australia. The card also charges a 3% foreign exchange fee, so it is not a strong choice for overseas spending either.
No one, because the Latitude Eco Mastercard has no complimentary travel, rental or purchase insurance. There is nothing to extend to the primary cardholder, a spouse or partner, or dependent children, since the card carries no policy at all. This is not a case of narrow limits, it is the absence of any cover. To protect anyone travelling, take out a separate travel insurance policy that names each traveller and their trip. Buy it before departure so everyone is covered from the day you leave.
It does not, because the Latitude Eco Mastercard 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 on an Australian hire. Many cards reimburse this excess, but this one does not, so declining the counter cover leaves you fully exposed. A standalone rental excess policy covers both Australian and overseas hires from a few dollars a day and is the only way to shift that cost off this card.
There is nothing to claim, because this card has no complimentary insurance. The Latitude Eco Mastercard carries no travel, rental or purchase cover, so Latitude and its partners will not accept an insurance claim tied to this card. 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 Latitude on 13 10 24 within Australia or +61 2 8747 8178 from overseas, though that line does not handle insurance claims.
On the insurance side, everything. The Latitude Eco Mastercard 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 and no mobile phone insurance. None of these were ever part of the card. What it does keep is a $49 annual fee and up to 55 interest free days on purchases, so it is a simple everyday card, not an insurance product, and it charges a 3% foreign exchange fee on overseas spending.
Yes, and it is not optional if you want to be covered. Because the Latitude Eco Mastercard 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 Australia, and check its pre-existing condition terms so nothing important is left out.
No. The Latitude Eco Mastercard does not include mobile phone or screen insurance, and it never carried a dedicated 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 Latitude Eco Mastercard, so skiing, snowboarding and any snow-sports injury or equipment loss are not covered, 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 cover. For a ski or snowboard trip, take out a dedicated snow travel insurance policy, which usually covers on-piste activity and can add off-piste cover for an extra premium.
No. The Latitude Eco Mastercard comes with no complimentary insurance of any kind: no travel insurance, no rental vehicle excess, no purchase protection, no extended warranty and no smartphone cover. It was a basic carbon-offset everyday card, now closed to new applications, and insurance was never part of the package. It keeps a $49 annual fee and up to 55 interest free days on purchases, but it charges a 3% foreign exchange fee and gives you nothing to fall back on for a trip. For any travel, buy a standalone policy before you go.