How do I activate the NAB Low Fee complimentary travel insurance?

There is nothing to activate, because the NAB Low Fee has no complimentary travel insurance to switch on. It is a Level 3 card in NAB's insurance booklet, and international and domestic travel cover sit only on Level 1 and Level 2 cards. The two complimentary insurances it does carry, purchase protection and mobile phone insurance, need no travel-style activation. Purchase protection applies once you charge the whole purchase price of an item to the card, and phone cover applies while you pay your monthly phone bill with an eligible NAB card. For any trip, you will need a separate standalone travel insurance policy, since the card provides none.

Who is covered under my NAB Low Fee complimentary insurance?

The complimentary cover on the NAB Low Fee is limited to purchase protection and mobile phone insurance, and both attach to the card account and the cardholder who charged the purchase or pays the phone bill. Because there is no travel or rental insurance, there are no covered travellers, no spouse or partner travel cover, and no dependent children cover. For a purchase claim, the key condition is not who you are but proof the item was bought with the card. Check the NAB Card Insurance Policy Information Booklet for the exact definitions that apply to your card level.

How does the NAB Low Fee rental vehicle excess cover actually work?

It does not work, because the NAB Low Fee has no rental vehicle excess benefit, in Australia or overseas. That cover sits only on NAB's Level 1 and Level 2 cards, and the Low Fee is a Level 3 card. If you damage or lose a hire car, the excess, the amount the rental company makes you pay towards the damage, is entirely your cost, commonly $2,000 to $5,500 on an Australian hire. At the counter you can take the rental company's own excess-reduction product, or arrange a standalone rental excess policy, which covers Australian hires from a few dollars a day. Do not decline the counter cover assuming the card has your back, because it does not.

What does the NAB Low Fee not cover?

The NAB Low Fee does not cover any travel or rental risk. There is no overseas emergency medical, no trip cancellation, no evacuation, no luggage or delay cover, no interstate travel cover, and no rental vehicle excess in Australia or abroad. It also has no extended warranty, since that sits on higher NAB card tiers, and no price protection or refund cover. What it does include is purchase protection for new goods against theft, accidental damage or loss for 90 days, and mobile phone insurance. Treat it as a low-fee everyday card, not a travel or device card, and cover the gaps with separate policies.

Do I still need separate travel insurance if I have the NAB Low Fee?

Yes. The NAB Low Fee carries no travel insurance at all, so it does nothing for an overseas medical emergency, a cancelled trip, lost luggage or a delayed flight. Medicare does not cover you outside Australia, and a serious hospital admission overseas can run $50,000 to $200,000, which would fall entirely on you. For any trip, treat the card as a way to pay and take out a standalone travel insurance policy before you go. Compare policies on cover level and excess rather than price alone, since the cheapest option often caps medical or leaves out what you actually need.

Does the NAB Low Fee include mobile phone insurance?

Yes. The NAB Low Fee includes complimentary mobile phone insurance, underwritten by AIG, covering accidental damage and theft up to $1,000 per claim and $1,650 per year, with a $50 excess. The catch is the condition: cover only applies while you pay your monthly mobile phone bill with an eligible NAB card, and it starts the first day of the month after your first qualifying payment. Loss is not covered, only theft and accidental damage. If you rely on this, set your phone plan to bill to the card, because miss that and the cover switches off.

Does the NAB Low Fee protect purchases against theft or accidental damage?

Yes, this is the card's main insurance strength. Purchase protection covers new items charged to the NAB Low Fee against theft, accidental damage or loss for 90 days from the purchase date. There is no per-item dollar cap on most goods, with a $200,000 annual limit per card account, though jewellery, watches and new artworks are capped at $5,000 a claim. No excess applies. Unlike NAB's higher card tiers, the Low Fee does not add extended warranty, so cover ends when the manufacturer's warranty does. Keep the receipt and proof the purchase was charged to the card, since Allianz asks for both.

Does the NAB Low Fee cover skiing or snowboarding?

No. Snow sports are only ever covered as part of an overseas travel insurance policy, and the NAB Low Fee has no travel cover of any kind. So there is no cover for a skiing or snowboarding injury, on-piste or off-piste, and no cover for the medical evacuation a serious snow injury overseas can require. A helicopter off the mountain and the surgery after it would be entirely your cost. If you are planning a ski trip, a dedicated snow travel insurance policy is the only way to be covered, because this card offers no travel or medical protection at all.

NAB Low Fee travel insurance: what cover does this no-frills card include?

NAB·$49/year·Visa·Allianz

Pauline LauroreAuthor of HelloSafe's card insurance reviewsUpdated 8 October 20268 min read

0,3/5Independent review · verified October 2026

Travel Insurance

0,0

Car Rental

0,0

Protection

2,5

Our Verdict · Travel Insurance

Our take on travel insurance for the NAB Low Fee

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

No travel insurance. Not overseas, not interstate. Here is what that absence costs the first time a trip goes sideways. NAB Low Fee travel insurance does not exist: this is NAB's cheapest, most stripped-back Visa, and complimentary trip cover sits two tiers above it. Plenty of people assume any bank Visa quietly insures a holiday. This one doesn't. Charge your flights to it and you are still uninsured for a cancelled trip, a hospital admission in Bali, or a bag that never arrives. Medicare pays nothing once you leave the country, and a serious overseas admission can run $50,000 to $200,000, all on you. A standalone policy for a two-week overseas trip starts around $60 to $150, a fraction of one night in a foreign ward. Use the card to pay, then buy a real policy before you fly.

What works on travel

Nothing to activate or forget, since no travel policy is tied to how you spend on the card
Works fine as a simple payment card while a separate travel policy does the actual covering

Where travel breaks down

No overseas emergency medical, so a hospital bill abroad is entirely yours
No trip cancellation, so prepaid flights and hotels are not reimbursed if you cancel
No luggage, delay, evacuation or interstate cover of any kind
A foreign transaction fee of around 3% makes the card costly to use overseas anyway

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 NAB Low Fee Travel Insurance actually cover?

No trip cancellation. 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 cover.

No overseas emergency medical cover. This benefit is not included with this card. Medicare does not cover you outside Australia, and a serious hospital admission overseas can run $50,000 to $200,000, entirely at your own cost.

No emergency evacuation or repatriation. This benefit is not included with this card. An air ambulance from Southeast Asia to Australia runs $60,000 to $100,000, entirely the cardholder's responsibility.

No overseas emergency dental. This benefit is not included with this card. Emergency dental treatment overseas is paid out of pocket.

No hospital cash allowance. This benefit is not included with this card. There is no daily cash payment during 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. The cost of alternative transport to catch up with a booking is 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. Essential purchases while your bag is delayed 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 stolen passport or transaction cards overseas, and any fraudulent use, is your own cost.

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 payable 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 by this card.

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

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

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

Policy document

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 NAB Low Fee 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 FeeThis card0.3/5?

$49/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 NAB Low Fee stacks up against the alternatives

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

Card	This card Low Fee NAB · $49/yr 0.3/5?	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 NAB Low Fee

Real experiences with fees, overseas costs and the card's complimentary purchase cover 8 reviews

Lana (ProductReview)

2019

Low fees and an easy balance transfer

I love the low fees associated with this credit card. Very easy transfer my existing balance over.

Terry (ProductReview)

2019

High rate and poor service

The current interest rate is 19.74% and what I consider to be very high. My interactions with the customer service for this was appalling.

cityofbluemtns (ProductReview)

2011

Cheap fee, but the rewards are gone

Now with the recent changes that NAB has had with the flybuys program, this card whilst still cheap in terms of annual fee now does not have a rewards program.

Australia claims and enquiries (purchase protection)

1800 187 025

Toll-free within Australia · Claims Mon to Fri

Overseas contact

+61 7 3305 8800

Additional charges may apply from mobiles or hotels · 24/7

Benefit administrator: AWP Australia (Allianz Global Assistance) for NAB, underwritten by Allianz Australia Insurance Limited; mobile phone insurance underwritten by AIG Australia

Claims & pre-authorizations

How to claim on the NAB Low Fee card insurance

Step 1: Check whether you are claiming purchase protection or mobile phone insurance

These two are the only complimentary insurances on the NAB Low Fee. Purchase protection is handled by Allianz Global Assistance for NAB, and mobile phone insurance is underwritten by AIG. The card has no travel or rental cover, so there is nothing to claim there.

Step 2: Lodge the claim and gather your documents

For purchase protection, lodge online at claimmanager.com.au/nab or call 1800 187 025 within Australia, and keep the receipt plus proof the item was charged in full to the NAB Low Fee card. For a phone claim, lodge with AIG at mycardbenefits.com and show that your monthly bill was paid with the card.

Step 3: Wait for assessment and escalate if needed

Allianz assesses a completed purchase protection claim once it has all requested documents, and depreciation can apply to electronics. If a claim is declined and you disagree, you can escalate to AFCA for free.

There is nothing to activate, because the NAB Low Fee has no complimentary travel insurance to switch on. It is a Level 3 card in NAB's insurance booklet, and international and domestic travel cover sit only on Level 1 and Level 2 cards. The two complimentary insurances it does carry, purchase protection and mobile phone insurance, need no travel-style activation. Purchase protection applies once you charge the whole purchase price of an item to the card, and phone cover applies while you pay your monthly phone bill with an eligible NAB card. For any trip, you will need a separate standalone travel insurance policy, since the card provides none.
The complimentary cover on the NAB Low Fee is limited to purchase protection and mobile phone insurance, and both attach to the card account and the cardholder who charged the purchase or pays the phone bill. Because there is no travel or rental insurance, there are no covered travellers, no spouse or partner travel cover, and no dependent children cover. For a purchase claim, the key condition is not who you are but proof the item was bought with the card. Check the NAB Card Insurance Policy Information Booklet for the exact definitions that apply to your card level.
It does not work, because the NAB Low Fee has no rental vehicle excess benefit, in Australia or overseas. That cover sits only on NAB's Level 1 and Level 2 cards, and the Low Fee is a Level 3 card. If you damage or lose a hire car, the excess, the amount the rental company makes you pay towards the damage, is entirely your cost, commonly $2,000 to $5,500 on an Australian hire. At the counter you can take the rental company's own excess-reduction product, or arrange a standalone rental excess policy, which covers Australian hires from a few dollars a day. Do not decline the counter cover assuming the card has your back, because it does not.
You can only claim on purchase protection or mobile phone insurance, since those are the sole complimentary insurances on the card. Purchase protection is handled by Allianz Global Assistance for NAB, not by NAB itself. Lodge it at claimmanager.com.au/nab or call 1800 187 025 within Australia, and keep the receipt plus proof the item was charged in full to the card. Phone claims go to AIG at mycardbenefits.com, where you show your monthly bill was paid with the card. Allianz assesses a completed claim once it has all documents, and if a claim is declined and you disagree, you can escalate to AFCA for free.
The NAB Low Fee does not cover any travel or rental risk. There is no overseas emergency medical, no trip cancellation, no evacuation, no luggage or delay cover, no interstate travel cover, and no rental vehicle excess in Australia or abroad. It also has no extended warranty, since that sits on higher NAB card tiers, and no price protection or refund cover. What it does include is purchase protection for new goods against theft, accidental damage or loss for 90 days, and mobile phone insurance. Treat it as a low-fee everyday card, not a travel or device card, and cover the gaps with separate policies.
Yes. The NAB Low Fee carries no travel insurance at all, so it does nothing for an overseas medical emergency, a cancelled trip, lost luggage or a delayed flight. Medicare does not cover you outside Australia, and a serious hospital admission overseas can run $50,000 to $200,000, which would fall entirely on you. For any trip, treat the card as a way to pay and take out a standalone travel insurance policy before you go. Compare policies on cover level and excess rather than price alone, since the cheapest option often caps medical or leaves out what you actually need.
Yes. The NAB Low Fee includes complimentary mobile phone insurance, underwritten by AIG, covering accidental damage and theft up to $1,000 per claim and $1,650 per year, with a $50 excess. The catch is the condition: cover only applies while you pay your monthly mobile phone bill with an eligible NAB card, and it starts the first day of the month after your first qualifying payment. Loss is not covered, only theft and accidental damage. If you rely on this, set your phone plan to bill to the card, because miss that and the cover switches off.
Yes, this is the card's main insurance strength. Purchase protection covers new items charged to the NAB Low Fee against theft, accidental damage or loss for 90 days from the purchase date. There is no per-item dollar cap on most goods, with a $200,000 annual limit per card account, though jewellery, watches and new artworks are capped at $5,000 a claim. No excess applies. Unlike NAB's higher card tiers, the Low Fee does not add extended warranty, so cover ends when the manufacturer's warranty does. Keep the receipt and proof the purchase was charged to the card, since Allianz asks for both.
No. Snow sports are only ever covered as part of an overseas travel insurance policy, and the NAB Low Fee has no travel cover of any kind. So there is no cover for a skiing or snowboarding injury, on-piste or off-piste, and no cover for the medical evacuation a serious snow injury overseas can require. A helicopter off the mountain and the surgery after it would be entirely your cost. If you are planning a ski trip, a dedicated snow travel insurance policy is the only way to be covered, because this card offers no travel or medical protection at all.