How do I activate the Gem Visa complimentary travel insurance?

There is nothing to activate, because the Latitude Gem Visa does not include any complimentary travel insurance. It is an interest-free retail card built for spreading store purchases, and it has never bundled travel cover. Holding the card gives you no overseas medical, cancellation, evacuation or baggage cover on any trip, so there is no spend threshold or return-ticket condition to meet. If you are travelling, you need a standalone travel insurance policy, since the card leaves the full medical and cancellation risk with you. Remember the card also charges a 3% foreign transaction fee on overseas and online purchases in a foreign currency.

Who is covered under my Gem Visa complimentary insurance?

Nobody is covered, because the Latitude Gem Visa has no complimentary insurance policy at all. There is no travel cover for you, a spouse, a partner or children, and there is no purchase protection on the things you buy. Since there is no benefit, there is no covered-persons definition to check. If you want travel cover for your family, a standalone travel policy is the way to insure everyone on the trip. For protecting purchases, a home contents or gadget policy is what actually covers theft and accidental damage.

How does the Gem Visa rental vehicle excess cover actually work?

It does not, because the Latitude Gem Visa 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 premium 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 3% foreign transaction fee also applies when you pay an overseas hire company in local currency.

How do I make a claim on my Gem Visa insurance?

There is no insurance to claim on, because the Latitude Gem Visa carries no complimentary travel, rental or purchase cover. There is no insurer, no claims administrator and no assistance line attached to the card. For account matters such as a lost or stolen card, fees or statements, contact Latitude on 13 10 24 within Australia, or +61 2 8747 8178 from overseas, but that is customer service, not an insurance claim. For anything that a policy would normally cover, you would claim on your own standalone travel, contents or gadget policy instead. Keep those policy documents handy before you travel or make a big purchase.

What does the Gem Visa 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 purchase protection, no extended warranty, no mobile phone insurance, no refund cover and no price guarantee. In short, the card includes no complimentary insurance of any kind, so every travel and purchase risk sits with you. An overseas hospital bill, a cancelled trip or a stolen laptop would be entirely your cost. For any trip, treat a standalone travel insurance policy as essential, and use a contents or gadget policy for what you buy.

Do I still need separate travel insurance if I have the Gem Visa?

Yes, without exception. The Latitude Gem Visa 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. The card offers no offsetting travel benefit either, and it charges a 3% foreign transaction fee, so pair any overseas trip with a proper travel policy.

Does the Gem Visa include purchase protection?

No, the Latitude Gem Visa does not include purchase protection. If an item bought on the card is stolen or accidentally damaged, nothing on the card reimburses you, unlike some premium cards that cover new purchases for 90 to 180 days. There is also no extended warranty, so the card does not add time to a manufacturer's warranty. This is a finance card for spreading store purchases over interest-free periods, not a card that insures what you buy. For cover against theft or accidental damage, a home contents policy or a dedicated gadget policy is the option.

Does the Gem Visa include mobile phone insurance?

No, the Latitude Gem Visa 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 on the card. The card carries no purchase protection either, so there is no short-term cover on a new phone as some other cards provide. If the phone is damaged or stolen, the repair or replacement is out of pocket, and a flagship screen repair runs $200 to $600 while a full replacement runs $1,200 to $2,300. For ongoing cover, a standalone gadget or contents policy is the way to protect your phone.

Does the Gem Visa cover skiing or snowboarding?

No. Because the Latitude Gem Visa 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 does not help here, and it adds a 3% foreign transaction fee on any overseas spending.

Does the Gem Visa charge foreign transaction fees?

Yes. The Latitude Gem Visa charges a 3% international transaction fee on purchases and cash advances made overseas or online with a merchant based outside Australia. That is a real cost on top of the card having no travel insurance, so it is not a strong card for spending abroad. If you travel often, a card with no foreign transaction fee will save you roughly 3% on overseas spending. Whatever card you use, pair any trip with a standalone travel insurance policy, since the Gem Visa leaves every travel risk with you. The card's monthly account fee is $10.95, around $131 a year.

Does the Latitude Gem Visa come with travel insurance, or any cover at all?

Latitude·$131/year·Visa

Pauline LauroreAuthor of HelloSafe's card insurance reviewsUpdated 7 October 20268 min read

0,0/5Independent review · verified October 2026

Travel Insurance

0,0

Car Rental

0,0

Protection

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Our Verdict · Travel Insurance

Our take on travel insurance for the Latitude Gem Visa

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

No travel insurance. None at all. If you searched for Latitude Gem Visa travel insurance hoping the card would save you a separate policy, here is the straight answer. The Gem Visa is an interest-free retail card, built for spreading store purchases over six months, and it has never bundled complimentary travel cover. Most people assume any Visa quietly protects them abroad. This one does not: no overseas medical, no cancellation, no evacuation, no baggage, on any trip. Medicare stops the moment you leave Australia, so a serious hospital admission overseas can run $50,000 to $200,000, all on you. It gets worse for spending abroad, because the card also charges a 3% foreign transaction fee on overseas and online purchases. 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 6 months interest free on purchases of $250 or more, useful for spreading a big pre-trip buy

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
3% foreign transaction fee applies to overseas and online purchases in a foreign currency

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 Gem Visa 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 Gem Visa 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

Gem VisaThis card0.0/5?

$131/yr

With travel insuranceIdeal

Complete coverage · 5.0 / 5

Premium card avg.

$235 avg. annual fee

Click a layer to highlight its scores on the radar.

Side-by-side comparison

How the Latitude Gem Visa stacks up against the alternatives

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

Card	This card Gem Visa Latitude · $131/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 Latitude Gem Visa

Real experiences on fees, interest-free plans and service 1,129 reviews

Sophia G. (ProductReview)

2024

Love the interest-free plans

One of the best credit card providers out there! I absolutely love their services, and the six-month interest-free period is a fantastic perk.

Aguez (ProductReview)

2025

The interest rate is punishing

The credit card interest rate is nothing short of usury, and unfortunately in Australia these rates are not properly regulated.

normankk2022 (ProductReview)

2025

Repayment terms are confusing

They don't clearly tell you that everything must be paid back within six months. They make the process confusing on purpose, so you don't fully understand the repayment terms.

Latitude customer service (Australia)

13 10 24

Mon to Fri 8:30am to 8pm, Sat 9am to 6pm AEST

Latitude customer service (from overseas)

+61 2 8747 8178

Standard call rates · Business hours AEST

Benefit administrator: None. The Gem Visa carries no complimentary insurance, so there is no insurer or claims administrator.

Claims & pre-authorizations

Is there anything to claim on the Gem Visa?

Step 1: Know there is no insurance to claim

The Gem Visa includes no complimentary travel, rental or purchase cover, so there is no insurer, no assistance line, and no claim to lodge. Any medical, cancellation or damage cost while travelling sits with you.

Step 2: For account matters, contact Latitude

Call Latitude on 13 10 24 within Australia, or +61 2 8747 8178 from overseas, for questions about fees, statements or a lost or stolen card. This is customer service, not an insurance claims line.

Step 3: For real cover, take out a standalone policy

Because the card insures nothing, buy a standalone travel insurance policy before any trip, and rely on a home contents or gadget policy for the things you buy. Keep those policy documents, not the card, for any claim.

There is nothing to activate, because the Latitude Gem Visa does not include any complimentary travel insurance. It is an interest-free retail card built for spreading store purchases, and it has never bundled travel cover. Holding the card gives you no overseas medical, cancellation, evacuation or baggage cover on any trip, so there is no spend threshold or return-ticket condition to meet. If you are travelling, you need a standalone travel insurance policy, since the card leaves the full medical and cancellation risk with you. Remember the card also charges a 3% foreign transaction fee on overseas and online purchases in a foreign currency.
Nobody is covered, because the Latitude Gem Visa has no complimentary insurance policy at all. There is no travel cover for you, a spouse, a partner or children, and there is no purchase protection on the things you buy. Since there is no benefit, there is no covered-persons definition to check. If you want travel cover for your family, a standalone travel policy is the way to insure everyone on the trip. For protecting purchases, a home contents or gadget policy is what actually covers theft and accidental damage.
It does not, because the Latitude Gem Visa 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 premium 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 3% foreign transaction fee also applies when you pay an overseas hire company in local currency.
There is no insurance to claim on, because the Latitude Gem Visa carries no complimentary travel, rental or purchase cover. There is no insurer, no claims administrator and no assistance line attached to the card. For account matters such as a lost or stolen card, fees or statements, contact Latitude on 13 10 24 within Australia, or +61 2 8747 8178 from overseas, but that is customer service, not an insurance claim. For anything that a policy would normally cover, you would claim on your own standalone travel, contents or gadget policy instead. Keep those policy documents handy before you travel or make a big purchase.
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 purchase protection, no extended warranty, no mobile phone insurance, no refund cover and no price guarantee. In short, the card includes no complimentary insurance of any kind, so every travel and purchase risk sits with you. An overseas hospital bill, a cancelled trip or a stolen laptop would be entirely your cost. For any trip, treat a standalone travel insurance policy as essential, and use a contents or gadget policy for what you buy.
Yes, without exception. The Latitude Gem Visa 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. The card offers no offsetting travel benefit either, and it charges a 3% foreign transaction fee, so pair any overseas trip with a proper travel policy.
No, the Latitude Gem Visa does not include purchase protection. If an item bought on the card is stolen or accidentally damaged, nothing on the card reimburses you, unlike some premium cards that cover new purchases for 90 to 180 days. There is also no extended warranty, so the card does not add time to a manufacturer's warranty. This is a finance card for spreading store purchases over interest-free periods, not a card that insures what you buy. For cover against theft or accidental damage, a home contents policy or a dedicated gadget policy is the option.
No, the Latitude Gem Visa 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 on the card. The card carries no purchase protection either, so there is no short-term cover on a new phone as some other cards provide. If the phone is damaged or stolen, the repair or replacement is out of pocket, and a flagship screen repair runs $200 to $600 while a full replacement runs $1,200 to $2,300. For ongoing cover, a standalone gadget or contents policy is the way to protect your phone.
No. Because the Latitude Gem Visa 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 does not help here, and it adds a 3% foreign transaction fee on any overseas spending.
Yes. The Latitude Gem Visa charges a 3% international transaction fee on purchases and cash advances made overseas or online with a merchant based outside Australia. That is a real cost on top of the card having no travel insurance, so it is not a strong card for spending abroad. If you travel often, a card with no foreign transaction fee will save you roughly 3% on overseas spending. Whatever card you use, pair any trip with a standalone travel insurance policy, since the Gem Visa leaves every travel risk with you. The card's monthly account fee is $10.95, around $131 a year.