Reimburses prepaid, non-refundable travel you cannot use after an unexpected event outside your control, up to $25,000 per cardholder or spouse. Travel agent cancellation fees are capped at $2,000. Cover starts only once you charge at least $500 of prepaid travel to the card and hold a return ticket, and a $600 excess applies per claim.
NAB Qantas Rewards Premium travel insurance: what does the complimentary cover actually pay?
NAB·A$295/year·Visa Platinum
3,7/5Independent review · verified August 2026
3,8
3,8
2,6
Our Verdict · Travel Insurance
Our take on travel insurance for the NAB Qantas Rewards Premium
Expert review · Pauline LauroreAuthor of HelloSafe's card insurance reviews
Twenty million in overseas medical. Thirty-day ceiling. That is the shape of the NAB Qantas Rewards Premium travel insurance, and it decides who this cover suits. Charge at least $500 of prepaid travel to the card and the overseas benefits do real work: $20 million for emergency medical and evacuation, $25,000 cancellation, plus the interstate flight home. The limits are not the trap. Activation is. Most people paying the $295 fee assume the cover runs the moment the card is in their wallet, but book the flights on points so only taxes touch the card and a hospital bill in Bali is yours alone. A standalone policy skips the $500 spend rule and keeps going past the 30 days this card stops at. If you always put travel on the card and keep trips under a month, the overseas cover earns its place.
What works on travel
- Overseas emergency medical to $20 million, with evacuation and repatriation on top
- Trip cancellation up to $25,000 for prepaid non-refundable travel charged to the card
- Interstate flight cover included: domestic cancellation, delay and luggage
- Spouse and dependants covered when they travel with you and meet the eligibility rules
Where travel breaks down
- Activation by spend: no cover unless you charge $500 of prepaid travel to the card and hold a return ticket
- Overseas cover stops at 30 days per trip, so a longer holiday runs uninsured past day 30
- $600 excess on medical, cancellation, luggage and additional-expenses claims
- Pre-existing conditions not covered unless assessed and confirmed in writing, with a $75 fee
- Cover ends the day you turn 81, so an older travelling companion can be shut out
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 Qantas Rewards Premium Travel Insurance actually cover?
Cover applies only if at least $500 of the trip was charged to the card and you hold a return ticket. Book on points so only the taxes hit the card, and the cancellation cover may never switch on.
What's covered
- Illness, injury or death of you, a travelling companion or a relative
- Unexpected circumstances outside your control
- Travel agent cancellation fees up to $2,000
What's not covered
- Pre-existing medical conditions not assessed and confirmed in writing
- Cancellation for a reason within your control
- Losses recoverable from a provider or airline
The $20 million limit switches on only once the trip is charged to the card, and cover ends after 30 days per journey. Plan a longer trip and the later days need a standalone policy.
Pays overseas emergency medical and hospital costs up to $20 million, coordinated through the 24/7 Allianz Global Assistance line, with a $600 excess per claim. Medicare pays nothing outside Australia, so this is the benefit that matters most on the card. Cover runs for a single journey of up to 30 consecutive days once the trip is charged to the card.
What's covered
- Emergency hospital and medical treatment overseas
- Medical evacuation and repatriation arranged by the assistance line
- Ongoing treatment for up to 12 months from onset
What's not covered
- Pre-existing conditions not assessed and confirmed in writing
- Pregnancy beyond the 26th week
- Off-piste skiing, off-piste snowboarding and snowmobiling
Covers emergency evacuation and repatriation to Australia up to $20 million, with no excess, arranged by the 24/7 Allianz Global Assistance team. The same benefit brings you home for ongoing treatment when a doctor says it is necessary. Repatriation of remains is covered up to $60,000.
What's covered
- Emergency medical evacuation to the nearest suitable facility
- Repatriation to Australia when medically necessary
- Repatriation of remains up to $60,000
What's not covered
- Evacuation not authorised by the assistance provider
- Travel booked against medical advice
Covers emergency dental treatment for sudden and acute pain (toothache) to natural teeth, up to $2,000 per person, with a $600 excess. With that excess, only a real dental emergency is worth claiming. Routine and cosmetic dental work is not covered.
What's covered
- Emergency treatment for sudden acute pain to natural teeth
What's not covered
- Routine, preventive or cosmetic dental work
- Damage to non-natural teeth
Pays $100 per person for each day you are admitted to hospital overseas, up to a total of $15,000 per cardholder or spouse. It is a cash allowance for incidentals, paid on top of your medical cover, with no excess.
What's covered
- $100 per person for each day admitted to hospital overseas
What's not covered
- Day admissions with no overnight stay
Covers reasonable extra travel and accommodation when an insured event disrupts your trip, up to $200,000 per cardholder or spouse, with a $600 excess. It picks up the unplanned costs a cut-short or diverted journey creates. The disruption has to come from an event the policy covers.
What's covered
- Extra accommodation and transport after an insured disruption
- Reasonable additional meal costs
What's not covered
- Costs recoverable from an airline or provider
- Events within your control
Once a delay runs 6 consecutive hours, pays up to $500 per person for each further 24-hour period toward meals and accommodation, up to $2,000 per cardholder or spouse, with no excess. The delay has to be outside your control.
What's covered
- Meals and accommodation during a covered delay
What's not covered
- Delays you knew about before travelling
- Costs an airline reimburses
Pays for alternative transport to reach your destination on time after a covered delay, up to $3,250 per cardholder or spouse, with a $600 excess. It is the benefit that gets you moving when a delay threatens a connection or a time-critical arrangement.
What's covered
- Reasonable alternative transport to catch up with your itinerary
What's not covered
- Delays within your control
- Costs recoverable from the carrier
Covers the cost to fly home early, and to resume your journey, after the death or hospital admission of a relative in Australia, up to $5,000 per cardholder or spouse, with no excess.
What's covered
- Return travel home for a relative's death or hospital admission
- Resuming the journey afterwards
What's not covered
- Known pre-existing conditions of the relative
- Events outside the period of cover
If the airline delays your luggage, pays $500 after a 10-hour delay and a further $1,000 after 72 hours, up to $1,500 per cardholder or spouse, with no excess. It buys the essentials while you wait for the bag. Keep every receipt.
What's covered
- Essential clothing and toiletries while luggage is delayed
What's not covered
- Delays on your final leg home
- Items not essential during the wait
Covers lost, stolen or accidentally damaged luggage and personal effects, up to $15,000 per cardholder or spouse. Per-item sub-limits apply: $4,000 for computers, cameras and video cameras, and $1,000 for any other item, including mobile phones. Items left in a vehicle are covered only in daylight hours, up to $5,000, and a $600 excess applies. Depreciation can reduce what you get back.
What's covered
- Theft, loss or accidental damage to luggage and personal effects
What's not covered
- Valuables left in a vehicle overnight or checked as luggage
- Sporting equipment while in use
Covers the cost to reissue lost or stolen travel documents, transaction cards and cash, up to $5,000, and fraudulent use of your cards up to a further $5,000, with no excess. Report the loss promptly to be able to claim.
What's covered
- Reissue of passports and travel documents
- Fraudulent transactions on lost or stolen cards
What's not covered
- Losses you fail to report
- Cash beyond the stated limit
Covers your legal liability if you injure someone or damage their property overseas, up to $1,000,000 per event on this Level 2 card, with no excess. Legal expenses are covered up to a further $15,000. Anything tied to vehicles, watercraft or aircraft is excluded.
Recommended : A$2,500,000
What's covered
- Third-party injury or property damage you cause overseas
- Legal expenses up to $15,000
What's not covered
- Liability involving vehicles, watercraft or aircraft
- Liability to family or travelling companions
Pays a lump sum if you die from an injury during the journey: $50,000 for the cardholder, $50,000 for a spouse and $25,000 per dependant, up to a family total of $150,000, with no excess. Permanent disability from an injury carries the same $50,000 benefit.
What's covered
- Accidental death of the cardholder, spouse or dependant during the journey
- Permanent disability from a covered injury
What's not covered
- Death from illness or a pre-existing condition
- Death outside the period of cover
Replaces your verified income if an overseas injury stops you working after you return, up to a total of $13,000 each for a cardholder or spouse, with no excess. Dependants are not covered. A waiting period and proof of income apply.
What's covered
- Weekly income replacement after a covered overseas injury
What's not covered
- Loss from illness rather than injury
- Dependants
Covers prepaid interstate travel you cannot use because of a covered event, up to $3,000 for all claims combined, with a $75 excess. Cover applies when the return domestic flight is charged to the card, or you charge at least $250 of prepaid domestic travel and hold a return flight.
What's covered
- Prepaid interstate travel and accommodation you cannot use
What's not covered
- Cancellation for a reason within your control
- Pre-existing conditions not assessed
After an interstate flight delay of 4 hours or more, pays $125 per person up to a total of $300 for meals and accommodation, with no excess.
What's covered
- Meals and accommodation after a 4-hour interstate flight delay
What's not covered
- Costs the airline reimburses
Covers reasonable extra domestic travel and accommodation when a covered event disrupts an interstate trip, up to $3,000, with a $75 excess. There is no domestic medical cover, because Medicare applies within Australia.
What's covered
- Extra interstate travel and accommodation after a covered disruption
What's not covered
- Medical costs within Australia (Medicare applies)
- Events within your control
Covers lost, stolen or damaged luggage on an interstate trip, up to $750 for each covered item and $2,000 in total, with a $75 excess.
What's covered
- Theft, loss or accidental damage to luggage on an interstate trip
What's not covered
- Valuables left unattended
- Sporting equipment while in use
If your luggage is delayed 12 hours or more on an interstate trip, pays $150 per person up to a total of $400 for essential purchases, with no excess.
What's covered
- Essential replacements while interstate luggage is delayed
What's not covered
- Delays on your final leg home
Policy document
We source benefits from official card guides, but PDFs are sometimes hard to obtain or update. Spotted something off?
Coverage Radar
Where the NAB Qantas Rewards Premium wins, where it loses
Coverage snapshot for this tab — click any layer to highlight its scores.
Compare
Qantas Rewards PremiumThis card3.7/5?
A$295/yrWith travel insuranceIdeal
Complete coverage · 5.0 / 5Premium card avg.
A$240 avg. annual feeClick a layer to highlight its scores on the radar.
Side-by-side comparison
How the NAB Qantas Rewards Premium stacks up against the alternatives
Same 5 coverage dimensions, ranked head-to-head against the cards most Qantas Rewards Premium shoppers also consider.
| Card | This card Qantas Rewards Premium NAB · A$295/yr 3.7/5? | Rewards Signature NAB · A$395/yr 4.2/5? | Amplify Signature Bank of Melbourne · A$295/yr 4.3/5? | Amplify Qantas Platinum St.George · A$250/yr 4.3/5? |
|---|---|---|---|---|
Trip cancellation Per person, per trip cap | $25,000 per person All prepaid travel | $25,000 per person All prepaid travel | Unlimited Unlimited | Unlimited Unlimited |
Emergency medical Hospital bills abroad | $20,000,000 Capped $20m | $20,000,000 Capped $20m | Unlimited Unlimited | Unlimited Unlimited |
Emergency evacuation Air ambulance + repatriation | $20,000,000 Capped $20m | $20,000,000 Capped $20m | Unlimited Unlimited evacuation | Unlimited Unlimited evacuation |
Trip delay trigger Hours before benefits kick in | 6h / $2,000 Trigger: 6 hours | 6h / $2,000 Trigger: 6 hours | 6h / $1,100 Trigger: 6 hours | 6h / $500 Trigger: 6 hours |
Trip interruption Covered amount | $200,000 per person Extra travel & accommodation | $200,000 per person Extra travel & accommodation | 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 Qantas Rewards Premium
Real experiences with Allianz Global Assistance travel cover and claims 40 reviews
AS
Adrian S. (ProductReview)
Big medical claim, eventually paid
I still give Allianz a 5 star rating.
PF
Peter F (ProductReview)
Rental excess claim, less than half back
Allianz did process the claim within about 5 weeks and they say that they will refund me AUS$862.27 (approx. £440), less than half what I claimed.
NF
Nick Florido (ProductReview)
Turned down over the age limit
When we made a claim it was pointed out that if anyone is over 80 years of age then they are not covered.
Emergency · Card assistance line
How to contact NAB Qantas Rewards Premium assistance?
Australia Claims & Enquiries
1800 187 025
Enquiries Mon to Fri 8am to 7pm AEST; claims Mon to Fri 8:30am to 5pm AEST
24/7 Overseas Emergency Assistance
+61 7 3305 8800
Call charges may apply from mobiles, public phones or hotels · 24/7
Benefit administrator: Allianz Global Assistance (AWP Australia) for NAB
Claims & pre-authorizations
How to make a NAB Qantas Rewards Premium claim
1
Step 1: Call the 24/7 assistance line before treatment where you can
For a medical or evacuation emergency overseas, call Allianz Global Assistance on +61 7 3305 8800 before you arrange treatment, so they can approve and coordinate your care.
2
Step 2: Lodge the claim and pull your documents together
Lodge international travel claims online at claimmanager.com.au/nab, or call 1800 187 025 within Australia. Keep itemised accounts, a police or carrier report for luggage, and your receipts.
3
Step 3: Prove the trip was charged to the card
Include the card statement showing you charged at least $500 of the trip to the account. Without that proof the cover may not have activated, and the claim can be declined.
FAQ
What people ask about the NAB Qantas Rewards Premium
- The overseas cover switches on when you charge at least $500 of your prepaid travel costs, such as your return airfare, accommodation or tours, to the NAB Qantas Rewards Premium before you leave Australia, and you hold a return overseas travel ticket. There is no separate registration step, but holding the card is not enough on its own. You also need to be aged under 81, and each trip is covered for up to 30 consecutive days. For domestic cover, either charge the whole return interstate flight to the card, or spend at least $250 on prepaid domestic travel and hold a return flight. If you book flights on Qantas Points and only the taxes hit the card, the $500 spend may not be met, so read the PDS first.
- Cover extends to the cardholder, their spouse or de facto partner, and dependants who travel with the cardholder for at least half of the trip, once the trip is charged to the card. Each traveller must reside in Australia, hold a return ticket, and be aged under 81 when they become eligible. Dependants under two years old are also covered when travelling with the cardholder. When a couple travel together and both hold cards, only one can claim as the cardholder, and the other claims as a spouse. Check the sums insured in your PDS, because several limits are shared across the family rather than paid to each person.
- It reimburses the excess (the amount the hire company charges you towards damage) after a hire car is damaged or stolen, rather than waiving the damage itself. You pay the hire company first, then claim the excess back. The NAB Qantas Rewards Premium covers this both overseas, up to $5,000 with a $600 excess per claim, and in Australia through a separate benefit, up to $5,000 with a lower $100 excess. To qualify, charge the entire rental cost to the card and drive within the terms of the rental agreement. It does not cover damage caused while breaching the agreement, driving unlicensed, or under the influence of alcohol or drugs.
- Claims go through Allianz Global Assistance, the administrator behind NAB's cover. For international travel, lodge online at claimmanager.com.au/nab, or call 1800 187 025 within Australia. For a medical or evacuation emergency overseas, call the 24-hour line on +61 7 3305 8800 before arranging treatment. Keep the documents that prove your loss: itemised accounts for medical or delay costs, a report from the airline or police for luggage, and your card statement showing the trip was charged to the card. One cardholder had a large medical claim paid and still rated Allianz five stars, while another saw a rental excess claim come back at less than half. Lodge early and keep everything dated.
- The biggest gap is activation: if you did not charge at least $500 of prepaid travel to the card, there is no overseas cover at all. Pre-existing medical conditions are not covered unless Allianz Global Assistance assesses and confirms them in writing, which carries a $75 fee. Overseas cover stops after 30 days per trip, domestic cover after 14 days, and no one aged 81 or over is eligible. Off-piste skiing, off-piste snowboarding and snowmobiling are excluded, though on-piste skiing is covered. There is no mobile phone insurance, no refund cover, no price guarantee and no roadside assistance. There is also no medical cover for domestic trips, because Medicare applies within Australia.
- Overseas cover lasts up to 30 consecutive days per journey on the NAB Qantas Rewards Premium, which is a Level 2 card. The clock starts when you leave home or on your departure date, whichever is later, and you cannot extend it yourself. If your return is delayed by a covered event, cover can extend automatically by up to four weeks, and longer if a doctor certifies you are unfit to travel. For any planned trip beyond 30 days, the card leaves the later days uninsured, so a standalone travel insurance policy is the safer choice for a longer holiday.
- No. The NAB Qantas Rewards Premium does not include standalone mobile phone insurance, so theft of or accidental damage to your phone at home is not covered. While you travel overseas, a phone counts as luggage and is covered up to $1,000 per item under the international travel policy, with a $600 excess. That is a low limit for a flagship handset, and it does not apply outside a covered trip. Replacing a high-end smartphone out of pocket costs roughly $1,200 to $2,300, so if phone cover matters to you, a separate device policy or your home contents insurance is worth checking.
- Yes, through a separate Domestic Travel Insurance benefit for return interstate flights charged to the card. It covers domestic cancellation up to $3,000, flight delay of four hours or more at $125 per person up to $300, additional expenses up to $3,000, and luggage up to $2,000. There is no domestic medical cover, because Medicare applies within Australia. Cover lasts up to 14 days per trip on this Level 2 card. To activate it, charge the entire return domestic flight to the card, or spend at least $250 on prepaid domestic travel and hold a return flight ticket.
- Not automatically. The NAB Qantas Rewards Premium does not publish a list of conditions covered without assessment. No claim arising from a pre-existing condition is paid unless Allianz Global Assistance has assessed it and confirmed cover in writing, which costs a $75 administration fee. You apply for assessment online or by phone before you travel, and you must answer every question honestly or the confirmation can be void. Pregnancy is treated as a pre-existing condition, with no cover beyond the 26th week. If you have an ongoing condition, arrange the assessment early, well before you leave Australia.
- On-piste skiing and snowboarding are covered under the overseas travel policy at no extra cost, because they sit inside the listed activities. Off-piste skiing, off-piste snowboarding and snowmobiling are excluded, so a claim from skiing outside the marked runs would be declined. Replacement sporting equipment is capped at just $200, and your gear is not separately insured while in use, so treat expensive skis as uncovered on the slopes. All the usual conditions still apply, including the $500 activation spend and the 30-day trip limit. For a dedicated snow trip or any off-piste plans, a specialist snow policy is the safer choice.
Not just NAB
Other cards worth considering
Qantas Rewards Premium is a strong choice — but depending on what you prioritize, one of these may suit you better.
Amplify Signature
Bank of Melbourne
Amplify Qantas Platinum
St.George
Amplify Signature
St.George
Amplify Qantas Signature
Bank of Melbourne
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