Covers prepaid, non-refundable travel if you cancel or amend an overseas trip for a covered reason, up to $20,000 per person with a $500 excess. A travel agent commission sub-limit of $1,000 or 15% and additional travel and accommodation of $500 also apply overseas. Cover exists only if the return fare was charged to the card or paid with Qantas points earned on it.
Qantas Premier credit card travel insurance: what does it actually cover?
Qantas Money·A$99/year·Mastercard
2,6/5Independent review · verified August 2026
2,9
2,8
0,0
Our Verdict · Travel Insurance
Our take on travel insurance for the Qantas Money Qantas Premier Everyday
Expert review · Pauline LauroreAuthor of HelloSafe's card insurance reviews
Strong overseas medical. No cover unless the fare is on the card. That single condition decides whether this card protects you at all. Pay for a return flight on the Qantas Premier Everyday, or use Qantas points earned on it, and the Chubb cover switches on: up to $1,000,000 in overseas emergency medical for 12 months, cancellation to $20,000, and rental excess reimbursed overseas and in Australia. Here is the catch with Qantas Premier credit card travel insurance: it is not automatic, so a points booking where only taxes hit the card can leave you uninsured. Most people assume the $99 annual fee buys cover just for holding the card. It doesn't. For a two week holiday charged to the card the overseas cover earns its keep; go past the 30 day trip cap and the last days are on you.
What works on travel
- Overseas emergency medical up to $1,000,000 for 12 months, $500 excess per claim
- Trip cancellation up to $20,000 for prepaid flights, accommodation and tours
- Interstate flight cover included: domestic cancellation to $2,000 plus flight and luggage delay
- Spouse and dependent children travelling with you are covered at no extra cost
Where travel breaks down
- Activation by full airfare: no cover unless the return fare is on the card or paid with Qantas points earned on it
- 30 day overseas trip cap: a longer trip is uninsured from day 31, with no option to extend
- Pre-existing medical conditions excluded under every section, with no assessment option
- No cover for travellers over 79, who cannot meet the age condition at booking
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 Qantas Money Qantas Premier Everyday Travel Insurance actually cover?
Cover only applies if the trip was charged to the card or paid with Qantas points earned on it. A points booking where only taxes hit the card may not be covered.
What's covered
- Illness or injury of a traveller or close relative
- Death of a traveller or close relative
- Unexpected transport cancellation by the provider
What's not covered
- Pre-existing medical conditions
- One-way trips
- Cancellation for a reason not listed as covered
- Disinclination to travel
Overseas only, and pre-existing conditions are excluded with no assessment option. Medicare does not cover you outside Australia.
Pays overseas emergency medical and hospital costs up to $1,000,000 for up to 12 months from the date of injury or illness, with a $500 excess. Emergency dental for sudden acute pain is sub-limited to $1,250. There is no overseas medical cover for domestic trips, because Medicare applies within Australia.
What's covered
- Overseas hospital and treatment costs
- Emergency dental for sudden acute pain (sub-limit $1,250)
- Incidental in-hospital expenses $50 per 24h to $3,000
What's not covered
- Pre-existing medical conditions
- Pregnancy after the 23rd week
- Treatment you could reasonably delay until returning home
Covers emergency evacuation and repatriation up to $250,000 overseas ($50,000 on a domestic trip), arranged through Chubb Assistance on the 24/7 line. Repatriation of remains, funeral or burial is covered up to $10,000 overseas and $5,000 domestic. A $500 excess applies to the medical section.
What's covered
- Emergency evacuation to the nearest suitable facility or home
- Repatriation of remains, funeral or burial
What's not covered
- Evacuation you arrange without Chubb approval where practical
- Pre-existing medical conditions
Pays up to $1,250 for overseas emergency dental to relieve sudden acute pain to natural teeth. Routine, cosmetic and planned dental work is not covered. A $500 excess applies.
What's covered
- Emergency treatment for sudden acute pain to natural teeth
What's not covered
- Routine or cosmetic dental
- Deterioration of an existing dental condition
Pays incidental in-hospital expenses of up to $50 for each 24 hour period you are hospitalised overseas, to a maximum of $3,000. It is a small extra on top of the medical section, meant for day to day incidentals during an admission.
What's covered
- Incidental costs during an overseas hospital admission
What's not covered
- Domestic hospital stays
This is the overseas extra-accommodation sub-limit of the medical section, capped at $4,000, not a broad additional-expenses benefit.
Covers extra room-only accommodation of up to $200 per 24 hours to a maximum of $4,000 overseas if illness or injury disrupts your trip. This is the medical section's accommodation sub-limit, not a broad additional-expenses benefit, and it does not apply to domestic trips. A $500 excess applies.
What's covered
- Extra room-only accommodation after a covered medical event overseas
What's not covered
- Domestic trips
- Costs not linked to a covered medical event
If your onward flight is delayed, cancelled, overbooked or missed for at least 6 hours overseas, the card pays up to $600, then up to $600 per 24 hours (first payable after 30 hours) to a maximum of $3,000. Domestic delays pay up to $100, to a maximum of $300. No excess applies.
What's covered
- Meals and accommodation during a covered delay
- Rebooking costs after a missed onward flight
What's not covered
- Delays you were aware of before booking
- Delays caused by your own actions
This reflects the overseas delayed-arrival-to-a-special-event benefit only, capped at $600. There is no general missed-connection cover.
The only related benefit is delayed arrival to a special event overseas, paying up to $600 if a covered delay makes you late. There is no general missed-connection or alternative-transport benefit beyond the trip delay section. It does not apply to domestic trips.
What's covered
- Extra transport to reach a special event on time overseas after a covered delay
What's not covered
- Domestic trips
- Delays not tied to a special event
On an overseas trip of more than 14 days, the card pays up to $3,000 ($2,000 for a pre-existing condition) to return to Australia for the death or hospitalisation of a close relative, and to resume the trip. A $500 excess applies. It does not apply to domestic trips.
What's covered
- Return to Australia for a close relative's death or hospitalisation
- Resumption of the long overseas trip
What's not covered
- Domestic trips
- Return for reasons other than a covered close-relative event
If checked-in baggage is delayed at least 12 hours overseas, the card pays up to $400, then up to $400 per 24 hours (first payable after 36 hours) to a maximum of $2,000, for essential items you buy while you wait. Domestic delays pay up to $100, to a maximum of $300. No excess applies.
What's covered
- Essential clothing and toiletries bought during a covered delay
What's not covered
- Items bought after the baggage is returned
- Delays on the final leg home
Covers lost, stolen or damaged personal baggage up to $10,000 per person overseas ($2,500 domestic), with a $500 excess. Sub-limits apply: $1,000 each for one smartphone, one laptop and one camera, $1,000 for any single item, pair or set overseas, and $8,000 total for valuables. Depreciation applies to the amount paid.
What's covered
- Lost, stolen or accidentally damaged luggage and personal effects
What's not covered
- Sporting equipment damaged while in use
- Items left unattended in a public place
- Valuables in checked baggage
Covers loss or theft of money and travel documents up to $500 overseas ($250 domestic) as a sub-limit of the baggage section, with a $500 excess. It helps with reissuing passports or tickets and replacing stolen cash within the sub-limit.
What's covered
- Reissue of lost or stolen travel documents
- Stolen cash within the sub-limit
What's not covered
- Losses not reported
- Shortages due to error or exchange rate
Covers your legal liability for injury to others or damage to their property while travelling, up to $2,500,000 overseas ($1,000,000 domestic), with a $500 excess. It responds to claims and defence costs for a covered incident.
What's covered
- Third-party injury or property damage you are liable for
- Associated legal defence costs
What's not covered
- Liability to family or travelling companions
- Liability from owning or driving a vehicle
- Business or professional liability
Pays a lump sum of $20,000 for the cardholder or spouse ($10,000 for a dependent child) on accidental death during an overseas trip, with no excess. Separate public transport accident cover pays up to $200,000 for death or permanent disablement while travelling as a passenger.
What's covered
- Accidental death during a covered overseas trip
What's not covered
- Domestic trips
- Death from illness or a pre-existing condition
No loss of income cover. This benefit is not included with this card. Lost earnings after a travel injury are the cardholder's responsibility.
What's not covered
- Not offered under this policy
Covers prepaid, non-refundable domestic travel if you cancel a covered interstate return trip, up to $2,000 with a $500 excess. Domestic cover activates when you either spend $500 or more on accommodation or pay the full return fare on the card. Limits are lower than the overseas policy.
What's covered
- Cancellation of a covered domestic return trip for illness, injury or a covered event
What's not covered
- Pre-existing medical conditions
- One-way trips
If a domestic onward flight is delayed at least 6 hours, the card pays up to $100, then up to $100 per 24 hours to a maximum of $300, for meals and accommodation. No excess applies. It is modest interstate cover, not a full domestic policy.
What's covered
- Meals and accommodation during a covered domestic delay
What's not covered
- Delays known before booking
No domestic additional expenses cover. The domestic policy is limited to cancellation and flight or luggage delay. Extra costs from a disrupted interstate trip are the cardholder's responsibility.
What's not covered
- Not offered under the domestic sections
Covers lost, stolen or damaged baggage on a covered domestic trip up to $2,500 per person, with a $500 excess and a $500 single-item sub-limit. Cover activates when the domestic trip is charged to the card as required.
What's covered
- Lost, stolen or damaged luggage on a covered domestic trip
What's not covered
- Items left unattended
- Sporting equipment in use
If checked-in baggage is delayed at least 12 hours on a covered domestic trip, the card pays up to $100, then up to $100 per 24 hours to a maximum of $300, for essential items. No excess applies.
What's covered
- Essential items bought during a covered domestic baggage delay
What's not covered
- Items bought after baggage returned
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 Qantas Money Qantas Premier Everyday wins, where it loses
Coverage snapshot for this tab — click any layer to highlight its scores.
Trip interruption: below the market average
Medical repatriation: below the market average
Compare
Qantas Premier EverydayThis card2.6/5?
A$99/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 Qantas Money Qantas Premier Everyday stacks up against the alternatives
Same 5 coverage dimensions, ranked head-to-head against the cards most Qantas Premier Everyday shoppers also consider.
| Card | This card Qantas Premier Everyday Qantas Money · A$99/yr 2.6/5? | Amplify Signature St.George · A$99/yr 4.3/5? | Amplify Signature Bank of Melbourne · A$295/yr 4.3/5? | |
|---|---|---|---|---|
Trip cancellation Per person, per trip cap | $20,000 per person All prepaid travel | Unlimited Unlimited (all prepaid) | Unlimited Unlimited | |
Emergency medical Hospital bills abroad | $1,000,000 Capped $1,000,000 | Unlimited Unlimited | Unlimited Unlimited | |
Emergency evacuation Air ambulance + repatriation | $250,000 Capped $250,000 | Unlimited Unlimited evacuation | Unlimited Unlimited evacuation | |
Trip delay trigger Hours before benefits kick in | 6h / $3,000 Trigger: 6 hours | 6h / $1,100 Trigger: 6 hours | 6h / $1,100 Trigger: 6 hours | |
Trip interruption Covered amount | $4,000 per person Extra 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 Qantas Money Qantas Premier Everyday
Real experiences on the travel cover and claims 24 reviews
W(
Wendy (ProductReview)
The complimentary insurance makes it worth holding
Complimentary travel Insurance means that this can be a handy card.
A(
ApeLex (Australian Frequent Flyer)
Not sure the claim process is worth it
would it cover me if I get sick or any injuries? I get that the process may be painful to claim but mainly looking to see if this will suffice or I should get separate travel insurance?
P(
PeterD (ProductReview)
Could not get help when I needed it
Qantas Credit Card people won't help. Won't return contact requests.
Emergency · Card assistance line
How to contact Qantas Money Qantas Premier Everyday assistance?
Australia enquiries
1800 055 268
Mon to Fri 8:30am to 5:00pm AEST
Overseas emergency (Chubb Assistance)
+61 2 8907 5666
Reverse charge accepted · 24/7
Benefit administrator: Chubb Insurance Australia Limited, with Chubb Assistance (Group Policy 09NACCITI1, issued to NAB)
Claims & pre-authorizations
How to make a Qantas Premier Everyday claim
1
Step 1: Call Chubb Assistance before treatment where you can
In an overseas medical emergency, phone Chubb Assistance on +61 2 8907 5666 before you are treated where possible, so they can approve and arrange your care. Keep the file or reference number they give you.
2
Step 2: Lodge online and gather your documents
Start the claim at chubbclaims.com.au or call 1800 055 268. Gather itemised accounts, police or property irregularity reports for lost or stolen items, and receipts for any expenses you are claiming.
3
Step 3: Prove the trip was charged to the card
Include the card statement showing the return fare, or the Qantas points booking, charged to your Qantas Premier Everyday. Chubb checks this first, because the cover only applies when the trip was paid for on the card.
FAQ
What people ask about the Qantas Money Qantas Premier Everyday
- There is no separate registration, but the cover is not automatic. For an overseas trip, you must pay the full return flight or cruise fare for each traveller by charging it to your Qantas Premier Everyday or using Qantas points earned on the card, before you leave. For a domestic trip, either spend $500 or more on accommodation or pay the full return fare the same way. You also need to be 79 or younger when you book. If you pay for the flights another way and only taxes hit the card, the cover may never switch on.
- Cover extends to you as the cardholder, your spouse or de facto partner, and your dependent children, when they travel with you and the trip was charged to the card. Dependent children means those 18 or younger, or 24 or younger in full time study. Additional cardholders are not automatically covered travellers. Each person still has to meet the age and residency conditions, so check the covered person definition in your PDS (Product Disclosure Statement, the policy booklet) before you rely on it for anyone but yourself.
- It reimburses the excess (the amount the hire company charges you towards damage) after a rental car is damaged, stolen, or caught in fire or malicious damage. It does not waive the damage, so you pay the hire company first and claim the excess back. The cap is $4,000 on an overseas hire and $3,000 on an Australian hire, with a $500 excess on each claim. To qualify, charge the entire rental cost to your Qantas Premier Everyday and keep the hire to under 30 days. Covering Australian hires as well as overseas is unusual for a complimentary card.
- Claims go through Chubb, the insurer behind the policy. For an overseas medical emergency, call Chubb Assistance on +61 2 8907 5666 before treatment where you can. For everything else, lodge at chubbclaims.com.au or call 1800 055 268. Chubb first checks that the trip was charged to the card, so keep the statement showing the fare or the Qantas points booking, plus itemised accounts and any police or airline reports. Some cardholders describe slow, repeated requests for documents, so lodge early and keep everything dated.
- The biggest trap is activation: if the return fare was not charged to the card or paid with Qantas points earned on it, there is no cover at all. Pre-existing medical conditions are excluded under every section, with no option to have them assessed. Cover stops once an overseas trip runs past 30 consecutive days, or a domestic trip past 14. Travellers over 79 at booking are not eligible, and one way trips are excluded. There is also no purchase protection, extended warranty, or mobile phone cover, since this is a travel only policy.
- Cover runs for up to 30 consecutive days on an overseas return trip and up to 14 consecutive days on a domestic return trip. The clock does not stop or extend, so if an overseas holiday runs to 34 days, days 31 to 34 are uninsured, including any medical costs in that window. This makes the card a fit for short holidays rather than long or open-ended travel. For anything longer, a standalone travel insurance policy that matches your trip length would cover the full duration.
- For a short overseas holiday booked entirely on the card, the cover is genuinely useful: up to $1,000,000 in emergency medical, cancellation to $20,000, and rental excess both ways. It falls short in three places. Pre-existing conditions are not covered at all, the trip cap is 30 days, and nothing is covered if the fare was not charged to the card. If any of those apply to you, a standalone travel insurance policy would fill the gap. Treat this card as a solid base for simple trips, not a replacement for a full policy.
- No. The policy excludes pre-existing medical conditions under every section, and unlike many standalone insurers it offers no option to have a condition assessed or added for a fee. That means a flare up of a known condition overseas, and any claim connected to it, would not be covered. If you have an ongoing medical condition, this is the single biggest reason to take out a separate travel insurance policy that can assess and cover it. Read the pre-existing definition in your PDS closely, since it is broad.
- No. This is a travel only policy, so there is no mobile phone or screen cover, and no purchase protection or extended warranty either. If you crack a phone screen at home, the repair is your cost, commonly $200 to $600 for a flagship handset. Your phone can still be claimed as lost or stolen baggage while you are travelling, under the Section G baggage cover, up to a $1,000 sub-limit for one smartphone with a $500 excess. For everyday screen damage, though, the card does nothing.
- Recreational on piste skiing and snowboarding are covered by omission, since they are not named in the excluded activities list, provided your trip meets the usual eligibility. Heli skiing, ski racing, ski jumping, ski stunting and skidoo or snowmobile riding are excluded, and so is trekking above 3,000 metres. So a normal resort ski holiday is generally fine, but go off the marked runs or into the backcountry and a claim would be declined. If you plan anything beyond groomed runs, a dedicated snow policy is the safer choice.
Not just Qantas Money
Other cards worth considering
Qantas Premier Everyday 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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