Does the Latitude GO Mastercard come with travel insurance?

No. The Latitude GO Mastercard does not include any complimentary international travel insurance. Latitude's own product summary lists International Travel Insurance, Flight Inconvenience Insurance and Transit Accident Insurance all as No, so there is no overseas medical, cancellation, delay or baggage cover attached to the card. It is an interest-free retail card built for payment plans, not a travel card. If you are heading overseas, you will need a separate standalone travel insurance policy, which for a short trip can start from a few dollars a day. Do not rely on the card for any trip protection.

How do I activate the Latitude GO Mastercard complimentary travel insurance?

There is nothing to activate, because there is no complimentary travel insurance on this card. On many Australian cards you switch cover on by charging your prepaid travel to the card, but the Latitude GO Mastercard has no travel policy attached in the first place. No amount of spending on the card will unlock overseas medical, cancellation or luggage cover. If you want that protection, buy a standalone travel insurance policy before you leave and keep the certificate with your travel documents. Treat the GO Mastercard purely as a way to pay, not as insurance.

Who is covered under the Latitude GO Mastercard complimentary insurance?

No one is covered, because the card carries no complimentary insurance. There is no policy that extends to a cardholder, a spouse or partner, or dependent children, since travel, purchase and rental cover are all listed as No in Latitude's product summary. On cards that do offer cover, family members usually need to travel with the cardholder on a trip charged to the card. That does not apply here. To protect yourself and your family when travelling, take out a separate travel insurance policy that names each traveller.

How does the Latitude GO Mastercard rental vehicle excess cover work?

It does not work, because there is no rental vehicle excess cover on this card. Latitude lists Rental Vehicle Excess in Australia Insurance as No, and there is no overseas equivalent either. That means if you damage or lose a hire car, the excess (the amount the hire company charges you towards the repair) is entirely your cost, commonly $2,000 to $5,500 in Australia and up to $8,000 overseas. Charging the rental to the card changes nothing. If you hire cars, a standalone rental excess policy covers both Australian and overseas hires from a few dollars a day.

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

You cannot make an insurance claim, because the card has no complimentary insurance to claim against. There is no insurer, no assistance line and no product disclosure statement for cover, since none exists. For a travel or purchase loss, you would claim through your own standalone travel policy, your home contents insurer, or the retailer's warranty instead. For a billing error, fraud or a Mastercard chargeback on the account, contact Latitude customer service using the details on latitudefinancial.com.au. If a dispute is not resolved, you can escalate it to AFCA at no cost.

What does the Latitude GO Mastercard not cover?

In insurance terms, it covers nothing. There is no overseas emergency medical cover, no trip cancellation, no travel delay, no luggage cover and no personal liability. There is also no rental vehicle excess cover, no purchase protection, no extended warranty and no mobile phone insurance, all listed as No in Latitude's product summary. The card is built for interest-free retail payment plans, so its value is in spreading purchase costs, not protecting trips or goods. For any of the protections above, you will need a separate policy or a different card that includes complimentary cover.

Does the Latitude GO Mastercard include mobile phone insurance?

No. The Latitude GO Mastercard does not include smartphone or mobile phone insurance, and Latitude lists Smartphone Screen Insurance as No. If your phone screen cracks or the handset is stolen, the repair or replacement is your cost. A flagship screen repair typically runs $200 to $600, and a full replacement can reach $1,200 to $2,300. Some premium cards bundle phone cover when you pay the monthly bill on the card, but this is not one of them. If phone protection matters to you, consider standalone gadget insurance or a card that offers it as a complimentary benefit.

Does the Latitude GO Mastercard cover skiing or snowboarding?

No. Because the card has no travel insurance at all, there is no cover for skiing, snowboarding or any snow activity, on-piste or off-piste. On cards that do offer travel cover, on-piste skiing is often included while off-piste and racing are excluded, but that distinction is irrelevant here since nothing is covered. A skiing injury overseas, including any mountain rescue and hospital treatment, would be entirely your cost. If you are planning a snow trip, take out a dedicated travel insurance policy with a winter sports option before you go.

Is the Latitude GO Mastercard enough for overseas travel, or do I need separate insurance?

It is not enough on its own for overseas travel, because it provides no insurance whatsoever. You can use it to pay for flights, hotels and everyday spending abroad, but a 3% foreign transaction fee applies and there is no medical, cancellation or luggage cover behind it. A single overseas hospital admission can run $50,000 to $200,000, none of which the card would pay. For any trip outside Australia, take out a standalone travel insurance policy, and consider a card with no foreign transaction fee for the spending itself. Use the GO Mastercard only as a payment tool.

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

Latitude·$0/year·Mastercard

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 GO Mastercard

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

No travel cover. None at all. Here is what that means before you book. Search Latitude GO Mastercard travel insurance and the honest answer is that this card carries no complimentary international travel insurance, and Latitude's own product summary lists every travel benefit as No. It is an interest-free retail card, built for payment plans on furniture and appliances, not for a hospital bill in Bali. Most people assume any Mastercard quietly insures overseas trips. This one does not, so a serious overseas hospital admission, commonly $50,000 to $200,000, sits entirely on you. If you travel, treat this card as a spending tool only and buy a standalone travel insurance policy, which starts at a few dollars a day for a short trip.

What works on travel

No annual fee to hold the card, though a $10.95 monthly account service fee applies
Up to 55 days interest free on eligible everyday purchases when the balance is paid in full

Where travel breaks down

No overseas emergency medical cover: a serious hospital admission abroad can run $50,000 to $200,000 out of pocket
No trip cancellation cover: prepaid flights and hotels are not reimbursable if you cancel
No travel insurance of any kind, so any overseas trip needs a separate standalone policy

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 GO 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 provides no 24/7 assistance line. 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. Repatriation must be arranged and paid for privately. An air ambulance from Southeast Asia to Australia runs $60,000 to $100,000, entirely at the cardholder's expense.

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. There is no daily cash payment for an overseas hospital stay.

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 booked trip is paid out of pocket.

No return home 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 luggage delay cover. This benefit is not included with this card. Purchases of essential items during a bag delay are out of pocket.

No 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 lost passport or stolen cash overseas is at your own expense.

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. There is no lump sum payable for an accidental death while travelling.

No loss of income benefit. This benefit is not included with this card. Lost earnings after an injury overseas are not replaced.

No domestic cancellation cover. This benefit is not included with this card. Prepaid interstate flights and accommodation 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 after an interstate disruption are out of pocket.

No domestic luggage cover. This benefit is not included with this card. Loss or theft of 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 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 GO 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

GO MastercardThis card0.0/5?

$0/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 GO Mastercard stacks up against the alternatives

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

Card	This card GO Mastercard Latitude · $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 Latitude GO Mastercard

Real experiences with fees, service and everyday use 1,205 reviews

Jo-Anne Irwin (ProductReview)

2024

A guilt-free safety net

I really do think that this is my guilt free card. It is there when I need it but does not invade my life.

headwerkn (ProductReview)

2022

Avoid like the plague

Avoid like the plague. Use a regular credit card from your bank or a Pay-in-4 type service.

Gerry Heffernan (ProductReview)

2025

AFCA ruled against them

AFCA found that Latitude breached both Mastercard rules and their own obligations.

Benefit administrator: None. The Latitude GO Mastercard has no complimentary insurance, so there is no insurer or 24/7 assistance line to call.

Claims & pre-authorizations

Can I claim insurance on the Latitude GO Mastercard?

Step 1: Check the product summary before you rely on any cover

Latitude's own product disclosure lists every complimentary insurance as No: travel, flight inconvenience, transit accident, smartphone screen, purchase protection, extended warranty and rental excess. There is nothing to activate and nothing to claim.

Step 2: For a travel or purchase loss, use your own policy

Because the card provides no cover, a loss overseas or a damaged purchase is handled through a standalone travel insurance policy, your home contents insurer, or the retailer's own warranty. Keep receipts and lodge with that provider, not with Latitude.

Step 3: For a card or account dispute, contact Latitude

Billing errors, fraud on the account, or a Mastercard chargeback are handled by Latitude customer service, using the contact details on latitudefinancial.com.au. If a dispute is not resolved, you can escalate to AFCA for free.

No. The Latitude GO Mastercard does not include any complimentary international travel insurance. Latitude's own product summary lists International Travel Insurance, Flight Inconvenience Insurance and Transit Accident Insurance all as No, so there is no overseas medical, cancellation, delay or baggage cover attached to the card. It is an interest-free retail card built for payment plans, not a travel card. If you are heading overseas, you will need a separate standalone travel insurance policy, which for a short trip can start from a few dollars a day. Do not rely on the card for any trip protection.
There is nothing to activate, because there is no complimentary travel insurance on this card. On many Australian cards you switch cover on by charging your prepaid travel to the card, but the Latitude GO Mastercard has no travel policy attached in the first place. No amount of spending on the card will unlock overseas medical, cancellation or luggage cover. If you want that protection, buy a standalone travel insurance policy before you leave and keep the certificate with your travel documents. Treat the GO Mastercard purely as a way to pay, not as insurance.
No one is covered, because the card carries no complimentary insurance. There is no policy that extends to a cardholder, a spouse or partner, or dependent children, since travel, purchase and rental cover are all listed as No in Latitude's product summary. On cards that do offer cover, family members usually need to travel with the cardholder on a trip charged to the card. That does not apply here. To protect yourself and your family when travelling, take out a separate travel insurance policy that names each traveller.
It does not work, because there is no rental vehicle excess cover on this card. Latitude lists Rental Vehicle Excess in Australia Insurance as No, and there is no overseas equivalent either. That means if you damage or lose a hire car, the excess (the amount the hire company charges you towards the repair) is entirely your cost, commonly $2,000 to $5,500 in Australia and up to $8,000 overseas. Charging the rental to the card changes nothing. If you hire cars, a standalone rental excess policy covers both Australian and overseas hires from a few dollars a day.
You cannot make an insurance claim, because the card has no complimentary insurance to claim against. There is no insurer, no assistance line and no product disclosure statement for cover, since none exists. For a travel or purchase loss, you would claim through your own standalone travel policy, your home contents insurer, or the retailer's warranty instead. For a billing error, fraud or a Mastercard chargeback on the account, contact Latitude customer service using the details on latitudefinancial.com.au. If a dispute is not resolved, you can escalate it to AFCA at no cost.
In insurance terms, it covers nothing. There is no overseas emergency medical cover, no trip cancellation, no travel delay, no luggage cover and no personal liability. There is also no rental vehicle excess cover, no purchase protection, no extended warranty and no mobile phone insurance, all listed as No in Latitude's product summary. The card is built for interest-free retail payment plans, so its value is in spreading purchase costs, not protecting trips or goods. For any of the protections above, you will need a separate policy or a different card that includes complimentary cover.
No. The Latitude GO Mastercard does not include smartphone or mobile phone insurance, and Latitude lists Smartphone Screen Insurance as No. If your phone screen cracks or the handset is stolen, the repair or replacement is your cost. A flagship screen repair typically runs $200 to $600, and a full replacement can reach $1,200 to $2,300. Some premium cards bundle phone cover when you pay the monthly bill on the card, but this is not one of them. If phone protection matters to you, consider standalone gadget insurance or a card that offers it as a complimentary benefit.
No. Because the card has no travel insurance at all, there is no cover for skiing, snowboarding or any snow activity, on-piste or off-piste. On cards that do offer travel cover, on-piste skiing is often included while off-piste and racing are excluded, but that distinction is irrelevant here since nothing is covered. A skiing injury overseas, including any mountain rescue and hospital treatment, would be entirely your cost. If you are planning a snow trip, take out a dedicated travel insurance policy with a winter sports option before you go.
It is not enough on its own for overseas travel, because it provides no insurance whatsoever. You can use it to pay for flights, hotels and everyday spending abroad, but a 3% foreign transaction fee applies and there is no medical, cancellation or luggage cover behind it. A single overseas hospital admission can run $50,000 to $200,000, none of which the card would pay. For any trip outside Australia, take out a standalone travel insurance policy, and consider a card with no foreign transaction fee for the spending itself. Use the GO Mastercard only as a payment tool.