Westpac Altitude Velocity Black: what does the complimentary insurance actually cover?

Covers all prepaid non-refundable travel and accommodation with no dollar cap, one of the strongest cancellation benefits on the market. A $300 excess applies per claim, and travel agent cancellation fees are limited to the lesser of $500 or 15%. Cover starts once you charge at least $500 of prepaid travel to the card and hold a return ticket.

Pays overseas emergency medical and hospital costs with no dollar cap, for treatment during the 12 months after the illness or injury first arises. A $300 excess applies per claim. Overseas emergency assistance is arranged 24 hours a day by Allianz Global Assistance.

Emergency evacuation and repatriation to Australia is covered with no dollar cap, arranged by the 24-hour Allianz Global Assistance line. Repatriation of remains and overseas funeral costs are also unlimited. A $300 excess applies to evacuation and repatriation, while the emergency assistance service itself carries no excess.

Covers up to $2,000 for emergency dental treatment of sudden and acute pain to natural teeth, with a $300 excess. Dental treatment needed because of an accident is covered separately under the medical benefit. Routine or cosmetic dental work is not covered.

Pays $100 for each day you are an overseas hospital inpatient beyond the first 24 hours, up to a total of $15,000, with a $300 excess. It is a cash allowance for incidentals on top of your medical costs. Payments run for each full day in hospital.

Covers additional travel and accommodation costs when your trip is disrupted by illness, injury or a covered event, with no dollar cap and a $300 excess. It also covers bringing you or your dependants home early where needed. Costs must be reasonable and supported by receipts.

Reimburses meals and accommodation when your transport is delayed 6 hours or more, up to $500 per person and $1,100 in total for a family, with a $300 excess. The delay must be outside your control. Keep receipts for anything you claim.

Pays up to $3,750 for additional transport to reach a special event on time after a delay outside your control, with a $300 excess. It applies to prebooked events such as a wedding, conference or cruise departure. The alternative transport must be reasonable.

Covers the cost to fly home and resume your journey after the unexpected death of a relative living in Australia, up to $5,750 per person and $12,500 in total, with a $300 excess. Resumption applies if at least 14 days or a quarter of your trip remains and you return within 30 days. It is a specific trigger, not a general early-return benefit.

Pays for essential items when your luggage is delayed more than 12 hours, up to $800 per person and $1,600 for a family, with no excess. Anything you claim here is deducted from a later lost-luggage claim for the same items. Keep receipts for the essentials you buy.

Covers lost, stolen or damaged luggage and personal effects up to $20,000 per person, with a $300 excess. Per-item limits apply: $5,000 for most items, $5,500 for a camera and $5,500 in total for laptops. Depreciation applies to older items, and sporting equipment is not covered while in use.

Covers replacement of travel documents, transaction cards and cash lost or stolen overseas, up to $550 per person and $1,250 for a family, with no excess. It includes the fraudulent use of stolen cards in some cases. Report any theft to police as soon as you can.

Covers your legal liability for injury to another person or damage to their property overseas, up to $2,500,000, with no excess. It applies to everyday incidents while travelling, not to business or vehicle-related liability. Legal costs agreed with the insurer are included.

Pays a lump sum of $50,000 if the cardholder dies from an injury during the journey, with $25,000 for a spouse or dependant and a family total of $150,000, and no excess. An overseas transit accident benefit adds cover for death or serious injury on public transport. Payment applies if death occurs within 12 months of the injury.

Replaces verified income up to $1,000 a week if an overseas injury stops the cardholder or spouse working after returning home, for up to 12 weeks and $12,000 in total, with no excess. A 30-day waiting period applies, so benefits start from the 31st day. Dependants are not covered.

Covers cancellation of a prepaid interstate trip up to $3,000, with a $300 excess, when you charge the full return interstate airfare to the card. It applies to flights between Australian states, not to overseas travel. Cover runs for up to 14 days from the start of the interstate trip.

Pays for meals and refreshments when an interstate flight is delayed 4 hours or more, up to $125 per person and $500 in total, with no excess. The delay must be outside your control. Keep receipts for what you claim.

No domestic additional expenses cover. The interstate policy pays a funeral allowance of up to $5,000 but not extra travel or accommodation from disruption. Any extra interstate travel or accommodation costs from a delay or illness are the cardholder's responsibility.

Covers luggage and personal effects lost, stolen or damaged on an interstate trip, up to $500 an item and $1,500 in total, with a $300 excess. Depreciation applies to older items. The same in-vehicle and valuables restrictions as the overseas policy apply.

Pays for essential items if your luggage is delayed 12 hours or more on an interstate trip, up to $125 per person and $500 in total, charged to the card, with no excess. Keep receipts for the essentials you buy. Amounts are deducted from a later domestic luggage claim.