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 cover.
Does the NAB Rewards Platinum with Velocity include any travel insurance?
NAB·A$195/year·Visa Platinum
0,0/5Independent review · verified July 2026
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Our Verdict · Travel Insurance
Our take on travel insurance for the NAB Rewards Platinum with Velocity
Expert review · Pauline LauroreAuthor of HelloSafe's card insurance reviews
No travel insurance. Not overseas, not domestic. NAB Rewards Platinum with Velocity travel insurance was withdrawn on 15 May 2026, so the card now carries no complimentary cover at all. Most cardholders assume a platinum card quietly insures their trips, and this one does not: there is no activation step, because there is no policy to switch on. A serious hospital admission in Bali can run $50,000 to $200,000, and Medicare pays none of it overseas. Standalone travel insurance covers that same trip from a few dollars a day, with cancellation, medical and luggage in one policy. If you travel at all, treat this as a points card and buy a separate travel policy before you go.
What works on travel
- No activation trap: there is no spend threshold to forget, because there is no cover to switch on
- Nothing misleading to read: the card makes no travel insurance promise you could misjudge before a trip
- Full freedom to choose: you pick any standalone travel policy that fits the trip, not a fixed card insurer
Where travel breaks down
- No overseas emergency medical: a hospital admission in Bali of $50,000 to $200,000 is entirely on you
- No trip cancellation: prepaid flights, hotels and tours are not reimbursed if you cancel
- No domestic or interstate cover: cancelled or delayed flights within Australia are out of pocket
- No cover at any tier: NAB withdrew all travel insurance from this card on 15 May 2026
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 Rewards Platinum with Velocity Travel Insurance actually cover?
No overseas emergency medical cover. This benefit is not included with this card. All medical costs overseas are yours to pay, 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 benefit is not included with this card. Evacuation and repatriation costs are entirely yours, and an air ambulance from Southeast Asia to Australia runs $60,000 to $100,000.
No overseas dental cover. 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, 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 yours to pay.
No missed connection cover. This benefit is not included with this card. Alternative transport to catch up with your itinerary 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. Essential items bought while a 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 yours to carry.
No travel documents cover. This benefit is not included with this card. Replacing a lost passport or covering fraudulent card use 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. There is no lump-sum payout for an accident during travel.
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 yours to pay.
No domestic additional expenses cover. This benefit is not included with this card. Extra interstate travel and accommodation from disruption are out of pocket.
No domestic luggage cover. This benefit is not included with this card. Lost or damaged bags on an interstate trip are not reimbursed.
No domestic luggage delay cover. This benefit is not included with this card. Essential purchases during a delayed interstate bag 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 NAB Rewards Platinum with Velocity wins, where it loses
Coverage snapshot for this tab — click any layer to highlight its scores.
Trip Cancel: not covered by this card
Medical: not covered by this card
Evacuation: not covered by this card
Compare
Rewards Platinum with VelocityThis card0.0/5?
A$195/yrWith travel insuranceIdeal
Complete coverage · 5.0 / 5Premium card avg.
A$241 avg. annual feeClick a layer to highlight its scores on the radar.
Side-by-side comparison
How the NAB Rewards Platinum with Velocity stacks up against the alternatives
Same 5 coverage dimensions, ranked head-to-head against the cards most Rewards Platinum with Velocity shoppers also consider.
| Card | This card Rewards Platinum with Velocity NAB · A$195/yr 0.0/5? | Amplify Qantas Platinum Bank of Melbourne · A$250/yr 4.3/5? | Amplify Qantas Signature Bank of Melbourne · A$370/yr 4.3/5? | |
|---|---|---|---|---|
Trip cancellation Per person, per trip cap | Not covered Cover this gap → | Unlimited Unlimited | 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 / $500 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 Rewards Platinum with Velocity
Real experiences with the complimentary travel cover and its mid-2026 withdrawal 40 reviews
C(
Claire (ProductReview)
Complimentary cover came through
Very pleased – I used my NAB complimentary insurance
D1
Disgruntled 1 (Australian Frequent Flyer)
Benefit cut, fee unchanged
They are removing a huge benefit especially for the mature traveller, but we will not see a reduction in Annual fee???
S(
SCM (Australian Frequent Flyer)
30 days is too short
30 days is ridiculous though, many people are going on travel trips over 30 days, especially if you combine work and holiday travel.
Emergency · Card assistance line
How to contact NAB Rewards Platinum with Velocity assistance?
NAB card support (Australia)
13 22 65
Lost or stolen cards 24/7 on 1800 033 103
NAB card support (overseas)
+61 3 8641 9121
International call rates apply · 24/7
Benefit administrator: None. This card carries no complimentary insurance, so there is no benefits administrator or claims line.
Claims & pre-authorizations
There is no travel insurance to claim on
1
Step 1: Check the card's cover status
This card has no complimentary travel, rental or purchase insurance. NAB removed those benefits on 15 May 2026, so there is no policy and nothing to lodge a claim against.
2
Step 2: Arrange your own cover before you travel or buy
Take out a standalone travel insurance policy for medical, cancellation and luggage, and a separate rental excess policy if you are hiring a car. Buy it when you book, not at the airport.
3
Step 3: For a lost or stolen card, contact NAB directly
Call NAB on 13 22 65 within Australia or +61 3 8641 9121 from overseas to block a lost or stolen card. This is general card support, not an insurance claims line.
FAQ
What people ask about the NAB Rewards Platinum with Velocity
- You cannot, because there is no complimentary travel insurance on this card to activate. NAB removed International and Domestic Travel Insurance from the Rewards Platinum on 15 May 2026, so there is no spend threshold to meet and no return-ticket rule to satisfy. Nothing switches on when you charge a trip to the card. If you want cover for a trip, the only option is to buy a standalone travel insurance policy before you leave, ideally at the time you book, so cancellation cover starts straight away.
- No one, because the card carries no complimentary insurance. There is no cover for you, a spouse or de facto partner, or dependent children, whether you are travelling overseas or within Australia. This changed on 15 May 2026 when NAB withdrew the travel benefits from the Rewards Platinum. To insure yourself and your family for a trip, take out a standalone travel insurance policy that names each traveller and matches their ages and any medical conditions. A family policy usually costs a few dollars a day for a short overseas trip.
- It does not work, because the card has no rental vehicle excess cover. Rental excess is the amount the hire company charges you towards damage or theft, and this card reimburses none of it, in Australia or overseas. A single excess commonly runs $2,000 to $5,500, and that sits entirely with you after an accident. If you are hiring a car, either take the hire company's excess-reduction cover at the counter or buy a standalone rental excess policy, which covers both Australian and overseas hires from a few dollars a day.
- There is nothing to claim on, because the card includes no complimentary travel, rental or purchase insurance. If you have a loss, it is your own standalone policy you would claim against, using that insurer's process, not NAB. For a lost or stolen card or suspected fraud, call NAB on 13 22 65 within Australia or +61 3 8641 9121 from overseas, available 24 hours a day. Keep in mind that is general card support to block the card, not an insurance claims line, since no insurance applies to this card.
- Almost everything a traveller would want. It has no overseas or domestic travel insurance, no trip cancellation, no rental vehicle excess cover, no purchase protection and no extended warranty. NAB withdrew all of these from the Rewards Platinum on 15 May 2026, moving it to a card level that carries no complimentary insurance. In practice this is a points-earning card, not an insurance product. For medical, cancellation, luggage, rental excess or purchase cover, you need a standalone travel insurance policy and, if relevant, a separate rental excess policy.
- Yes, without exception if you are travelling. The card provides no medical, cancellation, luggage or rental cover of any kind, so a standalone travel insurance policy is the only thing standing between you and the full cost of a problem. A hospital admission overseas can run $50,000 to $200,000, and Medicare pays nothing outside Australia. Buy the policy when you book the trip, so cancellation cover applies from day one, and match the level of medical cover to your destination and any pre-existing conditions.
- No. The card does not include mobile phone insurance, so theft or accidental damage to your handset is not covered. A cracked-screen repair on a flagship phone runs $200 to $600, and a full replacement $1,200 to $2,300, all payable by you. If phone cover matters, look at a standalone gadget insurance policy or check whether your home contents insurance offers a portable-items option. Keep in mind your Australian Consumer Law rights still cover manufacturing faults through the retailer, separately from any insurance.
- No. Since 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 overseas can cost tens of thousands of dollars, and none of it would be met by this card. If you are heading to the snow, take out a standalone travel insurance policy with a specific winter-sports or snow option, and check that it covers the activities you plan, since off-piste and backcountry are often excluded even on paid policies.
Not just NAB
Other cards worth considering
Rewards Platinum with Velocity is a strong choice — but depending on what you prioritize, one of these may suit you better.
Amplify Qantas Signature
Bank of Melbourne
Amplify Qantas Platinum
Bank of Melbourne
Amplify Platinum
Bank of Melbourne
Amplify
Bank of Melbourne
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