Covers the non-refundable portion of prepaid travel and accommodation cancelled or rescheduled for unexpected reasons outside your control, up to $25,000 per cardholder or spouse. A $600 excess applies to each cancellation claim. Cover starts once you charge at least $500 of prepaid travel to the card and hold a return ticket.
Suncorp Clear Options Platinum travel insurance: what does it actually cover?
Suncorp Bank·A$129/year·Visa Platinum
4,0/5Independent review · verified August 2026
4,2
4,0
2,6
Our Verdict · Travel Insurance
Our take on travel insurance for the Suncorp Bank Clear Options Platinum
Expert review · Pauline LauroreAuthor of HelloSafe's card insurance reviews
Big overseas medical. Steep excess. Here is what the Suncorp Clear Options Platinum travel insurance actually does once you are on a plane. Charge $500 of prepaid travel to the card, hold a return ticket, and the overseas cover runs to $20 million for medical and evacuation, with cancellation to $25,000. The catch is not the limit, it is the $600 excess on most claims. Most cardholders assume holding the card is enough; it is not, because cover only switches on when the trip is charged to the card and you are under 81. A standalone policy usually carries a $0 to $200 excess and no age wall. If you always put travel on the card and travel before 81, the cover is genuinely usable; book on points elsewhere with only taxes on the card, and you may not be covered at all.
What works on travel
- Overseas emergency medical and evacuation to $20 million: no realistic ceiling on a hospital bill abroad
- Cancellation covered to $25,000 for all prepaid travel, with a broad list of covered reasons including pandemic
- On-piste skiing and snowboarding covered under the overseas policy at no extra cost
- Domestic interstate cover included: cancellation, delay and luggage on flights within Australia
Where travel breaks down
- $600 excess on most claims, including overseas medical and cancellation, well above the $0 to $300 many policies charge
- Activation by spend: no cover unless $500 of prepaid travel is charged to the card and you hold a return ticket
- Hard age wall at 81: no international cover at all once you turn 81
- Overseas trips capped at three months, domestic trips at 14 days
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 Suncorp Bank Clear Options Platinum Travel Insurance actually cover?
Cover only applies if you charged at least $500 of prepaid travel to the card and hold a return ticket. A points booking made elsewhere where only taxes hit the card may not be covered.
What's covered
- Sickness, injury or death of you, a relative or a travel companion
- Epidemic or pandemic diagnosis, such as COVID-19, that prevents you travelling
- Unused prepaid travel and accommodation you cannot recover elsewhere
- Travel agent cancellation fees and lost frequent flyer points or vouchers
- Reasonable costs of rescheduling the journey
What's not covered
- A pre-existing medical condition not assessed and confirmed in writing
- Cancelling because you no longer wish to travel
- Travel against Australian government or Smartraveller advice
A $600 excess applies to every overseas medical claim, and pre-existing conditions are not covered unless assessed and confirmed in writing for a $75 fee.
Overseas emergency medical and hospital costs are covered up to $20 million, arranged through the 24/7 assistance line. A $600 excess applies to each medical claim. Cover runs for the trip and can continue up to 12 months where you are certified unfit to travel home.
What's covered
- Emergency hospital and medical treatment overseas
- Ambulance and doctor costs from a covered injury or sickness
- Treatment for a pre-existing condition only if assessed and confirmed
What's not covered
- Pre-existing conditions not assessed and confirmed in writing
- Pregnancy after the 26th week
- Treatment sought against medical advice
Emergency evacuation and repatriation are covered up to $20 million, with no excess, arranged by Allianz Global Assistance around the clock. It covers moving you to appropriate care or home to Australia when medically necessary, and repatriation of remains.
What's covered
- Emergency medical evacuation to appropriate treatment or home
- Repatriation to Australia when medically necessary
- Repatriation of remains and related funeral costs overseas
What's not covered
- Costs not authorised by the assistance line
- Evacuation for a pre-existing condition not assessed and confirmed
Covers emergency dental treatment for sudden and acute pain (toothache) to natural teeth, up to $2,000 per person. A $600 excess applies. Routine, cosmetic and denture-related dental work is not covered.
What's covered
- Sudden acute pain to natural teeth requiring emergency treatment
What's not covered
- Routine or cosmetic dental treatment
- Repair or replacement of dentures or dental prostheses
- Dental costs arising from a pre-existing condition
Pays $100 per person for each day you are hospitalised overseas, up to a total of $15,000 per cardholder or spouse. Dependants share the cardholder limit. There is no excess on this benefit.
What's covered
- Cash allowance for each full day of overseas hospital admission
What's not covered
- Hospitalisation arising from an excluded or unassessed pre-existing condition
Covers reasonable additional travel and accommodation costs when your journey is disrupted by a covered event such as injury, illness or a natural disaster, up to $200,000. A $600 excess applies. It is the benefit that keeps you moving when plans fall apart overseas.
What's covered
- Extra accommodation and travel to continue or complete the journey
- Disruption from injury, sickness, natural disaster or transport failure
What's not covered
- Costs recoverable from an airline or other provider
- Disruption from an unassessed pre-existing condition
After a delay of 6 consecutive hours, covers up to $500 per person for meals and accommodation, to a total of $2,000 per cardholder or spouse. There is no excess. The delay must be to your scheduled transport and outside your control.
What's covered
- Meals and accommodation during a delay of 6 hours or more
What's not covered
- Delays you were aware of before the journey
- Costs an airline or carrier reimburses
Covers alternative transport to reach a destination on time after a covered delay or disruption, up to $3,250 per cardholder or spouse. A $600 excess applies. It is meant for reaching a connection, cruise or prepaid event you would otherwise miss.
What's covered
- Reasonable alternative transport to reach a scheduled connection or event
What's not covered
- Costs recoverable from the transport provider
- Delays known before departure
Covers the cost to return home and resume your journey after the death or hospital admission of a relative in Australia, up to $5,000 per cardholder or spouse. There is no excess. It pays for both the trip home and getting back to finish the journey.
What's covered
- Return home after a relative's death or hospital admission
- Resumption of the journey afterwards
What's not covered
- Return for reasons outside the covered triggers
- Events linked to an unassessed pre-existing condition
Covers essential purchases when your luggage is delayed: up to $500 after a 10-hour delay, plus a further $1,000 after 72 hours, to a total of $1,500. There is no excess. Keep receipts for the clothes and toiletries you buy while you wait.
What's covered
- Essential clothing and toiletries during a luggage delay
What's not covered
- Delays on the final leg home
- Items not reasonably essential
Electronics are capped at $4,000 per item and everything else, including phones, at $1,000, so a high-end camera and a laptop together are not fully covered.
Covers stolen, accidentally damaged or permanently lost luggage up to $15,000 per cardholder or spouse, with a $600 excess. Sub-limits apply: $4,000 per item for computers, cameras and video cameras, and $1,000 per item for anything else, including mobile phones. Depreciation applies to older items.
What's covered
- Theft, accidental damage or permanent loss of covered items
- Items left in a vehicle during daylight hours, within sub-limits
What's not covered
- Valuables left in a vehicle or checked-in luggage, beyond stated limits
- Sporting equipment damaged while in use
- Items left behind or unattended
Covers the reissue or replacement of travel documents, transaction cards, travellers cheques and cash up to $5,000, plus fraudulent use of your cards up to a further $5,000. There is no excess. Report any theft or loss promptly to support the claim.
What's covered
- Reissue of passports, travel documents and transaction cards
- Fraudulent use of stolen transaction cards
What's not covered
- Losses not reported within a reasonable time
- Cash beyond the stated limit
Covers your legal liability for accidental injury to other people or damage to their property overseas, up to $1,000,000 per event. There is no excess. Vehicle, aircraft and business-related liability are excluded.
What's covered
- Legal liability for third-party injury or property damage overseas
What's not covered
- Liability from owning or using a vehicle, aircraft or watercraft
- Liability to a relative, employee or travel companion
Pays a lump sum of $50,000 for the accidental death of the cardholder or spouse and $25,000 per dependant, up to a family total of $150,000. There is no excess. Death must result from an injury during the journey.
What's covered
- Accidental death of the cardholder, spouse or a dependant during the journey
What's not covered
- Death from sickness or a pre-existing condition
- Death from excluded dangerous activities
Replaces your verified weekly income if an overseas injury stops you working after you return, up to a total of $13,000 for a cardholder or spouse. There is no excess and no cover for dependants. Proof of income and a waiting period apply.
What's covered
- Verified income replacement after an injury on the journey
What's not covered
- Loss of income from sickness rather than injury
- Any cover for dependants
Covers cancellation of prepaid interstate travel charged to the card, up to $3,000 for all claims combined. A $75 excess applies. Cover needs the return domestic flight charged to the card, or at least $250 of prepaid domestic travel plus a return flight ticket.
What's covered
- Non-refundable prepaid interstate travel and accommodation
What's not covered
- Cancelling because you no longer wish to travel
- Unassessed pre-existing conditions
After a domestic flight delay of 4 hours or more, pays $125 per person for meals and refreshments, up to a total of $300. There is no excess. It is modest cover for a delayed interstate flight, not a full delay policy.
What's covered
- Meals and refreshments after a 4-hour domestic flight delay
What's not covered
- Delays known before departure
- Costs the airline reimburses
Covers reasonable extra travel and accommodation on an interstate trip disrupted by a covered event, up to $3,000. A $75 excess applies. There is no domestic medical cover here, because Medicare applies within Australia.
What's covered
- Extra accommodation and travel after a covered domestic disruption
What's not covered
- Domestic medical or hospital costs
- Disruption from an unassessed pre-existing condition
Covers loss, theft or accidental damage to luggage on a domestic trip, up to $750 per item and $2,000 in total. A $75 excess applies. Report any theft to police or the carrier as soon as you can.
What's covered
- Theft, loss or accidental damage to covered domestic luggage
What's not covered
- Items left unattended in a public place
- Valuables beyond the per-item limit
After a domestic luggage delay of 12 hours or more, pays $150 per person for essential items, up to a total of $400. There is no excess. Keep receipts for the essentials you buy while you wait.
What's covered
- Essential purchases after a 12-hour domestic luggage delay
What's not covered
- Delays on the final leg home
- Non-essential purchases
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 Suncorp Bank Clear Options Platinum wins, where it loses
Coverage snapshot for this tab — click any layer to highlight its scores.
Compare
Clear Options PlatinumThis card4.0/5?
A$129/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 Suncorp Bank Clear Options Platinum stacks up against the alternatives
Same 5 coverage dimensions, ranked head-to-head against the cards most Clear Options Platinum shoppers also consider.
| Card | This card Clear Options Platinum Suncorp Bank · A$129/yr 4.0/5? | 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 | $25,000 per person All prepaid travel | Unlimited Unlimited | Unlimited Unlimited | |
Emergency medical Hospital bills abroad | $20,000,000 $20m cover | Unlimited Unlimited | Unlimited Unlimited | |
Emergency evacuation Air ambulance + repatriation | $20,000,000 $20m evacuation | Unlimited Unlimited evacuation | Unlimited Unlimited evacuation | |
Trip delay trigger Hours before benefits kick in | 6h / $2,000 Trigger: 6 hours | 6h / $500 Trigger: 6 hours | 6h / $1,100 Trigger: 6 hours | |
Trip interruption Covered amount | $200,000 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 Suncorp Bank Clear Options Platinum
Real experiences with the card, its complimentary cover and Allianz claims 27 reviews
DB
David B. (ProductReview, Allianz claim)
Medical claim paid in 10 days
Ruptured Achilles tendon and fractured ankle 4 weeks before trip. Allianz paid all monies paid excepting excess within 10 days of claiming. No issues, no hassles.
T(
Tara (ProductReview)
Complimentary travel insurance pulled
And now they've just issued a notice today they are removing the complimentary travel insurance from it in less than 2 months time. I've booked an overseas trip in October with it which I had coverage for. But apparently not now!
A(
Anthony (ProductReview)
Overseas fee on an Australian purchase
Was charged an 'international currency transfer' fee for a charge made in Australian dollars. When I raised this with Suncorp I was told that the merchant is headquartered overseas and as such 'their system' automatically charges this fee.
Emergency · Card assistance line
How to contact Suncorp Bank Clear Options Platinum assistance?
Australia (Allianz Global Assistance)
1800 072 791
Mon to Fri, AEST
Overseas emergency (24/7)
+61 7 3305 7499
Call charges may apply from mobiles, public phones or hotels · 24/7
Benefit administrator: AWP Australia (Allianz Global Assistance) for NAB, underwritten by Allianz Australia Insurance Limited
Claims & pre-authorizations
How to make a Clear Options Platinum claim
1
Step 1: Call Allianz Global Assistance before major costs
For an overseas medical emergency call +61 7 3305 7499 any time, or 1800 072 791 within Australia. Getting approval before you incur large costs protects the claim, since expenses run up without contacting them may be reduced.
2
Step 2: Lodge the claim and gather your documents
Lodge online at travelclaims.com.au as soon as reasonably possible. Keep itemised accounts, a police or carrier report for lost luggage, and your card statement showing the trip was charged.
3
Step 3: Show the trip was charged to the card
The first thing checked is eligibility: at least $500 of prepaid travel on the card and a return ticket. Have that proof ready, plus any written confirmation of a pre-existing condition assessment.
FAQ
What people ask about the Suncorp Bank Clear Options Platinum
- The overseas cover switches on when you charge at least $500 of prepaid travel costs to the card and hold a return overseas ticket before you leave Australia. Redeeming Suncorp Rewards points for the return ticket, or booking it through the Take Flight program, also qualifies. There is no separate registration step, but the cover is not automatic just from holding the card, and you must be aged under 81. Domestic cover works differently: charge the whole return domestic flight to the card, or at least $250 of prepaid domestic travel plus a return flight ticket. If you book on points elsewhere and only taxes hit the card, check the eligibility rules carefully, because that may not meet the spend condition.
- Cover extends to the cardholder, their spouse or de facto partner, and dependants, when the trip is charged to the card. Each traveller needs their own return ticket and must travel with the cardholder for at least half of the trip. For international cover, everyone must be aged under 81, and there is no cover at all from 81 onwards. Dependants under two are included when travelling with the cardholder. Read the definitions in the PDS (Product Disclosure Statement, the policy booklet), because the sums insured and dependant limits vary by benefit, and additional cardholders are not automatically the same as covered travellers.
- It reimburses the excess (the amount you must pay towards damage or theft under the hire agreement), not the damage itself. You pay the hire company first, then claim the excess back. The card covers this both overseas, within the international policy up to $5,000 with a $600 excess, and in Australia through a separate Rental Vehicle Excess Insurance in Australia benefit, up to $5,000 with a $100 excess. To qualify, charge the whole rental to the card and be a named driver on the agreement. Domestic hire cover is genuinely useful, since many cards reimburse overseas excess only.
- Claims go through Allianz Global Assistance, the administrator behind this Allianz policy, not Suncorp or NAB. Lodge online at travelclaims.com.au as soon as reasonably possible, and call 1800 072 791 in Australia or +61 7 3305 7499 overseas for an emergency. They will ask for itemised accounts, a police or carrier report for lost luggage, and your card statement showing the trip was charged. The first thing checked is whether you met the spend and return-ticket eligibility. Contact them for approval before you run up large costs, because expenses incurred without approval may be reduced.
- The biggest catch is activation: if you did not charge the required prepaid travel to the card, there is no cover at all. A $600 excess applies to most international claims, including overseas medical and cancellation, which is high by market standards. Pre-existing conditions are excluded unless you have them assessed and confirmed in writing for a $75 fee. International cover stops at age 81 and at three months per trip, while domestic trips are capped at 14 days. Off-piste skiing, off-piste snowboarding and snowmobiling are excluded, and there is no mobile phone insurance, refund cover or price guarantee.
- Yes. Alongside the overseas rental excess in the travel policy, the card includes a separate Rental Vehicle Excess Insurance in Australia benefit. It reimburses the excess you are liable for after an Australian hire car is damaged or stolen, up to the amount in your rental agreement or $5,000, whichever is less, with a $100 excess per claim. You must charge the entire vehicle rental to the card. This matters for domestic road trips, because plenty of complimentary policies cover overseas hires only and leave you exposed on an Australian rental.
- Yes, through a separate Domestic Travel Insurance section 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 runs for a maximum of 14 days per journey, and small excesses of $75 apply to cancellation, additional expenses and luggage. It is real protection for interstate air travel, not a full domestic travel policy.
- No. There is no dedicated mobile phone insurance on this card. While travelling, a phone counts as a luggage item under the travel policy, but it sits under the $1,000 per-item sub-limit rather than the higher electronics limit, and a $600 excess applies to luggage claims. Day to day in Australia, theft or a cracked screen is not covered at all. A flagship screen repair runs $200 to $600, and a full replacement $1,200 to $2,300, so if phone cover matters to you, a standalone gadget or mobile policy is the way to fill this gap.
- Not automatically. A pre-existing medical condition is only covered if Allianz Global Assistance assesses it and confirms in writing that it is covered, which costs a $75 administration fee. You apply online at checkyourcover.com.au or by phone before you travel. Without that confirmation, any claim arising from the condition is declined, and the pre-existing conditions of relatives or travel companions are never covered. Pregnancy is treated as pre-existing, with no cover beyond the 26th week. If you have a managed condition, get it assessed early, because an unconfirmed condition is one of the most common reasons a medical claim is refused.
- On-piste skiing and snowboarding are covered under the overseas travel policy at no extra cost, because they sit within the listed activities rather than the exclusions. Off-piste skiing, off-piste snowboarding and snowmobiling are excluded, so a claim from skiing outside the marked runs would be declined. Your ski equipment itself is not separately insured while in use, so treat expensive gear as uncovered on the slopes. If you plan off-piste or backcountry runs, a dedicated snow travel policy is the safer choice.
Not just Suncorp Bank
Other cards worth considering
Clear Options Platinum 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
Fill the gaps in your card
Find complementary travel insurance
We analyze the gaps in your card and recommend the best complementary travel insurance based on your destination and profile.
Step 1 of 3
