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.
Does the Latitude Low Rate Mastercard include travel insurance?
Latitude·$69/year·Mastercard
0,0/5Independent review · verified October 2026
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Our Verdict · Travel Insurance
Our take on travel insurance for the Latitude Low Rate Mastercard
Expert review · Pauline LauroreAuthor of HelloSafe's card insurance reviews
No travel insurance. None at all. Here is what that means the day something goes wrong overseas. Picture a hospital admission in Bali and a bill climbing past $50,000. The Latitude Low Rate Mastercard travel insurance cover most people assume rides along with a Mastercard simply does not exist here, so Medicare stops at the airport and the whole bill is yours. This is a low rate card built for carrying a balance at 13.99% p.a., not for protecting trips. A standalone policy for a two week overseas trip starts at around $80 to $150 and covers the medical, cancellation and luggage this card leaves out. If you travel even once a year, buy that cover separately, because the card contributes nothing.
What works on travel
- Low 13.99% p.a. purchase rate: the card is built for carrying a balance, not for travel cover
- Up to 55 interest-free days when the closing balance is paid in full each month
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 cover: prepaid flights and hotels are not refundable through the card
- No domestic or interstate flight inconvenience cover
- 3% foreign transaction fee on overseas and online-overseas spend
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 Low Rate Mastercard Travel Insurance actually cover?
No overseas emergency medical cover. The card provides no assistance line for medical care abroad. 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. This benefit is not included with this card. 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 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 booked itinerary is 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 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. The cost to replace a stolen passport or reverse fraudulent transactions 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 cover. This benefit is not included with this card. No lump sum is payable to the cardholder or their family after a travel accident.
No loss of income cover. 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. Cancelled interstate flights and prepaid domestic bookings are not reimbursable.
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 costs from a disrupted interstate trip are out of pocket.
No domestic luggage cover. This benefit is not included with this card. Lost or damaged bags on an interstate flight are not reimbursable.
No domestic luggage delay cover. This benefit is not included with this card. Essential purchases while you wait for a delayed bag on a domestic flight are out of pocket.
We source benefits from official card guides, but PDFs are sometimes hard to obtain or update. Spotted something off?
Coverage Radar
Where the Latitude Low Rate 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
Low Rate MastercardThis card0.0/5?
$69/yrWith travel insuranceIdeal
Complete coverage · 5.0 / 5Premium card avg.
$235 avg. annual feeClick a layer to highlight its scores on the radar.
Side-by-side comparison
How the Latitude Low Rate Mastercard stacks up against the alternatives
Same 5 coverage dimensions, ranked head-to-head against the cards most Low Rate Mastercard shoppers also consider.
| Card | This card Low Rate Mastercard Latitude · $69/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 Low Rate Mastercard
Real experiences with the card, its costs and support 59 reviews
C(
Cambo (ProductReview)
Easy application and balance transfer
Decent card with a straightforward application and instant conditional approval. The balance transfer promo was easy to activate.
DP
Daniel P. (ProductReview)
Support let me down
This is a terrible product and even worse customer support. Staff have minimal knowledge of the products, or even how credit cards work.
L(
Lil (ProductReview)
The rate stings
You will rue the day you applied for a Latitude credit card. The credit rate is nearly 30 percent.
Emergency · Card assistance line
How to contact Latitude Low Rate Mastercard assistance?
Latitude Service Centre (Australia)
13 10 24
Mon to Fri 8:30am to 8pm AEST, Sat 9am to 6pm
From overseas
+61 2 8747 8178
Business hours AEST
Benefit administrator: AIG Australia Limited (e-commerce purchase protection only). No travel insurance administrator, as the card carries no travel cover.
Claims & pre-authorizations
How claims work on the Latitude Low Rate Mastercard
1
Step 1: Check what is actually covered
There is no complimentary travel, medical or rental excess insurance on this card, so there is nothing to claim for a trip, an overseas hospital bill or a hire-car excess. The only complimentary cover is the e-commerce purchase protection for online orders that fail to arrive.
2
Step 2: For an online order problem, use the AIG e-commerce cover
If an eligible online purchase is not delivered, arrives incomplete or arrives damaged and the seller will not refund, the e-commerce purchase protection underwritten by AIG may respond. Keep the order confirmation, proof the purchase was charged to the card, and your correspondence with the seller.
3
Step 3: For travel or medical costs, rely on a standalone policy
Because the card provides no travel cover, a medical bill, cancellation or delay overseas has to go through a separate travel insurance policy you have bought. For card servicing call the Latitude Service Centre on 13 10 24, or 1800 005 809 if the card is lost or stolen.
FAQ
What people ask about the Latitude Low Rate Mastercard
- No. The Latitude Low Rate Mastercard has no complimentary travel insurance of any kind. There is no overseas emergency medical cover, no trip cancellation, no luggage cover, and no domestic or interstate flight inconvenience benefit. It is a low rate card built for carrying a balance at 13.99% p.a., not a travel product. If you are travelling, whether overseas or interstate, you need a standalone travel insurance policy, because this card contributes nothing towards a medical bill, a cancelled trip or a delayed flight.
- There is nothing to activate, because the card carries no complimentary travel insurance. Some Australian cards switch on overseas cover once you charge your prepaid travel to the card, but the Latitude Low Rate Mastercard has no such benefit to trigger. Spending on the card, holding a return ticket or calling ahead makes no difference, since the cover does not exist. For any overseas medical, cancellation or delay protection, you must buy a separate travel insurance policy before you leave.
- For travel insurance, nobody is covered, because the card has none. The only complimentary benefit is an e-commerce purchase protection, underwritten by AIG, and it is available to the current cardholder for eligible online purchases that fail to arrive. It does not extend travel medical or cancellation cover to you, a partner or children, since there is no travel policy attached to the card. To protect a family on a trip, take out a standalone travel insurance policy that names each traveller.
- It does not, because the card has no rental vehicle excess cover. If you damage a hire car or it is stolen, the full excess the hire company charges is yours to pay, whether you rented overseas or in Australia. Some Australian cards reimburse that excess up to a cap, but the Latitude Low Rate Mastercard is not one of them. A standalone rental excess policy costs from a few dollars a day and covers both Australian and overseas hires, which is the practical way to close this gap.
- For travel or medical costs there is no claim to make, since the card has no travel insurance. The only complimentary cover you can claim on is the e-commerce purchase protection, underwritten by AIG under a group policy issued to Mastercard, for an eligible online order that is not delivered, arrives incomplete or arrives damaged when the seller will not refund. Keep your order confirmation, card statement and seller correspondence. For card servicing call the Latitude Service Centre on 13 10 24, or 1800 005 809 if the card is lost or stolen.
- Almost everything a traveller or shopper might expect. There is no overseas or domestic travel insurance, no emergency medical cover, no trip cancellation, no luggage cover, no rental vehicle excess, no extended warranty, no price protection and no mobile phone insurance. The single complimentary benefit is a narrow e-commerce purchase protection for online orders that fail to arrive. Treat this as a no-insurance card and arrange separate travel and purchase cover where you need it.
- Not in the usual sense. The card does not protect items you buy against theft or accidental damage, and it has no extended warranty. What it does carry is a complimentary E-Commerce Purchase Protection, underwritten by AIG, which covers eligible online purchases that are not delivered, arrive incomplete or arrive damaged when the seller refuses to refund. So if a parcel never turns up you may have a claim, but if you drop or lose a new item after it arrives, this card offers no cover.
- No. The Latitude Low Rate Mastercard does not include mobile phone or screen insurance, whether or not you pay your phone bill with the card. If you crack a screen or your handset is stolen, the repair or replacement is entirely your cost, and a flagship screen repair alone runs $200 to $600. If phone cover matters to you, look at a standalone gadget or mobile insurance policy, or a card that lists mobile phone protection as a benefit, because this one does not.
- No. Because the card 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, either in Australia or overseas, would be entirely at your own cost, and those bills can run into tens of thousands of dollars. Snow trips carry real injury risk, so take out a dedicated snow or travel insurance policy that specifically includes on-mountain cover before you go.
- It is not enough on its own, because the card provides no travel insurance. For any overseas trip you should arrange a standalone travel insurance policy that covers emergency medical, cancellation, luggage and rental excess, none of which this card offers. A policy for a two week overseas trip typically starts around $80 to $150, far less than a single overseas hospital admission. Do not rely on the card for cover, and remember the 3% foreign transaction fee that applies when you spend overseas or online in a foreign currency.
Not just Latitude
Other cards worth considering
Low Rate Mastercard is a strong choice — but depending on what you prioritize, one of these may suit you better.
Vertigo Platinum
St.George
Amplify Signature
Bank of Melbourne
Low Fee Platinum
Westpac
Altitude Qantas Black
Westpac
