# Source: https://www.westpac.com.au/personal-banking/credit-cards/reward/altitude-platinum/

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Save

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EFTPOS & Payments

* [EFTPOS on your phone](https://www.westpac.com.au/business-banking/merchants-and-payments/eftpos-air-mobile-payments-app/ "EFTPOS on your phone")
* [EFTPOS Terminals](https://www.westpac.com.au/business-banking/merchants-and-payments/eftpos/ "EFTPOS Terminals")
* [Online & ecommerce](https://www.westpac.com.au/business-banking/merchants-and-payments/online-payments/ "Online & ecommerce")
* [Billing & recurring payments](https://www.westpac.com.au/business-banking/merchants-and-payments/billing-and-invoicing/ "Billing & recurring payments")
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Insights & Industries

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Solutions

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Industries

* [Consumer and industrials](https://www.westpac.com.au/corporate-banking/corporate-institutional/stronger-relationships/consumer-and-industrials/ "Consumer and industrials")
* [Financial institutions](https://www.westpac.com.au/corporate-banking/corporate-institutional/stronger-relationships/financial-institutions/ "Financial institutions")
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* [Institutional real estate](https://www.westpac.com.au/corporate-banking/corporate-institutional/stronger-relationships/institutional-property/ "Institutional real estate")
* [Natural resources](https://www.westpac.com.au/corporate-banking/corporate-institutional/stronger-relationships/natural-resources/ "Natural resources")
* [Public sector](https://www.westpac.com.au/corporate-banking/corporate-institutional/stronger-relationships/public-sector/ "Public sector")

Insights

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* [Westpac IQ](https://www.westpac.com.au/corporate-banking/westpaciq/ "Westpac IQ")

Online Banking

* [Corporate Online](https://www.westpac.com.au/corporate-banking/corporate-online/ "Corporate Online")
* [Westpac One](https://www.westpac.com.au/corporate-banking/westpac-one/ "Westpac One")

Register for Online Banking

* [Online Banking - Personal](https://www.westpac.com.au/personal-banking/online-banking/getting-started "Online Banking - Personal")
* [Online Banking - Business](https://www.westpac.com.au/business-banking/online-banking/register "Online Banking - Business")
* [Corporate Online](https://www.westpac.com.au/corporate-banking/corporate-online "Corporate Online")
* [Westpac Share Trading](https://www.westpac.com.au/personal-banking/share-trading "Westpac Share Trading")
* [WinTrade](https://www.westpac.com.au/business-banking/wintrade "WinTrade")

Online Banking - PersonalOnline Banking - BusinessCorporate OnlineWestpac Share TradingWestpac Margin LendingWestpac OneWinTradeGlobal Investment ServicesView all online services

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Bank

* [Bank accounts](https://www.westpac.com.au/bank-accounts "Bank accounts")
* [Savings accounts](https://www.westpac.com.au/bank-accounts/savings-accounts "Savings accounts")
* [Credit cards](https://www.westpac.com.au/credit-cards "Credit cards")
* [International & Travel](https://www.westpac.com.au/international-travel "International & Travel")

Borrow

* [Home loans](https://www.westpac.com.au/home-loans "Home loans")
* [Personal loans](https://www.westpac.com.au/personal-loans "Personal loans")
* [Credit cards](https://www.westpac.com.au/credit-cards "Credit cards")

Invest

* [Share trading](https://www.westpac.com.au/personal-banking/share-trading/ "Share trading")
* [Term deposits](https://www.westpac.com.au/bank-accounts/term-deposit "Term deposits")
* [Super](https://www.westpac.com.au/personal-banking/superannuation/ "Super")
* [Margin lending](https://www.westpac.com.au/personal-banking/margin-lending/ "Margin lending")

Bank

* [Transaction accounts](https://www.westpac.com.au/business-banking/transaction-accounts/ "Transaction accounts")
* [FX & international payments](https://www.westpac.com.au/business-banking/international-trade/ "FX & international payments")
* [Credit cards](https://www.westpac.com.au/business-banking/credit-cards/ "Credit cards")

Save

* [Savings accounts](https://www.westpac.com.au/business-banking/savings-accounts/cash-reserve/ "Savings accounts")
* [Term deposits](https://www.westpac.com.au/business-banking/savings-accounts/term-deposits/ "Term deposits")

Borrow

* [Business loans](https://www.westpac.com.au/business-banking/loans-finance/business-loan/ "Business loans")
* [Business overdrafts](https://www.westpac.com.au/business-banking/loans-finance/business-overdraft/ "Business overdrafts")
* [Vehicle & equipment finance](https://www.westpac.com.au/business-banking/loans-finance/vehicle-equipment-finance/ "Vehicle & equipment finance")
* [All loans and finance](https://www.westpac.com.au/business-banking/loans-finance/ "All loans and finance")

EFTPOS & Payments

* [EFTPOS on your phone](https://www.westpac.com.au/business-banking/merchants-and-payments/eftpos-air-mobile-payments-app/ "EFTPOS on your phone")
* [EFTPOS Terminals](https://www.westpac.com.au/business-banking/merchants-and-payments/eftpos/ "EFTPOS Terminals")
* [Online & ecommerce](https://www.westpac.com.au/business-banking/merchants-and-payments/online-payments/ "Online & ecommerce")
* [Billing & recurring payments](https://www.westpac.com.au/business-banking/merchants-and-payments/billing-and-invoicing/ "Billing & recurring payments")
* [Merchant support](https://www.westpac.com.au/business-banking/merchants-and-payments/manage/ "Merchant support")

Insights & Industries

* [Industry banking](https://www.westpac.com.au/business-banking/industries/ "Industry banking")
* [Start up hub](https://www.westpac.com.au/business-banking/startup-hub/ "Start up hub")
* [Help for your business](https://www.westpac.com.au/business-banking/help-for-your-business/ "Help for your business")

Solutions

* [Transaction banking](https://www.westpac.com.au/corporate-banking/transactional-banking/ "Transaction banking")
* [Corporate & structured finance](https://www.westpac.com.au/corporate-banking/corporate-and-structured-finance/ "Corporate & structured finance")
* [Commodities, trade & transition](https://www.westpac.com.au/corporate-banking/trade-supply-chain-finance/ "Commodities, trade & transition")
* [Financial markets](https://www.westpac.com.au/corporate-banking/financial-markets/ "Financial markets")

Industries

* [Consumer and industrials](https://www.westpac.com.au/corporate-banking/corporate-institutional/stronger-relationships/consumer-and-industrials/ "Consumer and industrials")
* [Financial institutions](https://www.westpac.com.au/corporate-banking/corporate-institutional/stronger-relationships/financial-institutions/ "Financial institutions")
* [Health and aged care](https://www.westpac.com.au/corporate-banking/corporate-institutional/stronger-relationships/health-and-aged-care/ "Health and aged care")
* [Infrastructure and utilities](https://www.westpac.com.au/corporate-banking/corporate-institutional/stronger-relationships/infrastructure-and-utilities/ "Infrastructure and utilities")
* [Institutional real estate](https://www.westpac.com.au/corporate-banking/corporate-institutional/stronger-relationships/institutional-property/ "Institutional real estate")
* [Natural resources](https://www.westpac.com.au/corporate-banking/corporate-institutional/stronger-relationships/natural-resources/ "Natural resources")
* [Public sector](https://www.westpac.com.au/corporate-banking/corporate-institutional/stronger-relationships/public-sector/ "Public sector")

Insights

* [Economics & strategy](https://www.westpac.com.au/corporate-banking/financial-markets/economics-and-strategy/ "Economics & strategy")
* [Westpac DataX](https://www.westpac.com.au/corporate-banking/corporate-institutional/datax/ "Westpac DataX")
* [Westpac IQ](https://www.westpac.com.au/corporate-banking/westpaciq/ "Westpac IQ")

Online Banking

* [Corporate Online](https://www.westpac.com.au/corporate-banking/corporate-online/ "Corporate Online")
* [Westpac One](https://www.westpac.com.au/corporate-banking/westpac-one/ "Westpac One")

Register for Online Banking

* [Online Banking - Personal](https://www.westpac.com.au/personal-banking/online-banking/getting-started "Online Banking - Personal")
* [Online Banking - Business](https://www.westpac.com.au/business-banking/online-banking/register "Online Banking - Business")
* [Corporate Online](https://www.westpac.com.au/corporate-banking/corporate-online "Corporate Online")
* [Westpac Share Trading](https://www.westpac.com.au/personal-banking/share-trading "Westpac Share Trading")
* [WinTrade](https://www.westpac.com.au/business-banking/wintrade "WinTrade")

Sign in 

* [Online Banking - Personal](https://banking.westpac.com.au/wbc/banking/handler?TAM%5FOP=login&segment=personal)
* [Online Banking - Business](https://banking.westpac.com.au/wbc/banking/handler?TAM%5FOP=login&segment=business)
* [Corporate Online](https://online.corp.westpac.com.au/)
* [All sign in](https://www.westpac.com.au/all-online-services)

Search anything

true

### Suggestions:

* Make sure all words are spelled correctly
* Try different keywords
* Try more general keywords

### Perhaps these links may help:

* Sign in to our [Online banking - Personal](https://banking.westpac.com.au/wbc/banking/handler?TAM%5FOP=login&segment=personal) or [Business](https://banking.westpac.com.au/wbc/banking/handler?TAM%5FOP=login&segment=business), [Corporate Online](https://online.corp.westpac.com.au/) or [Westpac Online Investing](https://onlineinvesting.westpac.com.au/)
* View all of [our online services](https://www.westpac.com.au/all-online-services/)
* [Personal](https://www.westpac.com.au/) or [Business products](https://www.westpac.com.au/business-banking/)
* Ask questions in [FAQ](https://www.westpac.com.au/faq/)
* or you can visit [your local branch](https://www.westpac.com.au/locateus/)

true

This is an AI-generated summary. Important details may be omitted and recent website updates may not be reflected. Check the website before relying on this information. If you need to tell us something, click on ‘[Contact us](https://www.westpac.com.au/contact-us/?fid=GL:GPH:None:wbc:www:contact-us)’.

false

This is an AI-generated summary of your search results and may not contain all relevant details. AI can make mistakes, so check the website before relying on it. If you need to tell us something, click on ‘[Contact us](https://www.westpac.com.au/contact-us/?fid=GL:GPH:None:wbc:www:contact-us)’.

true

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true

5

Interest rates

Altitude rewards

Home loans

Activate card

Calculators

true

3

5

5

# Altitude Platinum Card

Our platinum credit card has a lower annual fee and the ability to earn points. Enjoy travel related benefits designed to make your journey safe and convenient.

#### Important notice

From 1 October 2026, we’re making changes to the Westpac Credit Cards Complimentary Insurance Policy. [Find out more](https://www.westpac.com.au/credit-cards/credit-card-changes?fid=op:infob:concc:ip:cta1#CCCI)

## Find a reward program that's right for you

* Offer  
  
### Altitude Qantas Platinum  
Earn Qantas Points directly to your [Qantas Frequent Flyer](https://www.westpac.com.au/credit-cards/qantas-credit-cards) account and enjoy Platinum credit card benefits.  
Offer Rates Features  
You could earn up to **100,000** bonus Qantas Points.[\[1\]](#disclaimer-1)  
**Already with Westpac?** Sign in to apply and get a **$99** first year card fee (reverts to $175 p.a. thereafter).[\[2\]](#disclaimer-2)  
Offer not available if you’ve held a Westpac credit card in the last 24 months. New cards only. Credit criteria and T&Cs apply.  
   * **Variable purchase rate** \- 23.98% p.a.  
   * **Variable cash advance rate** \- 23.99% p.a.  
   * **Annual card fee** \- $175  
   * **Annual Altitude Qantas Rewards Program fee** \- $125  
   * **Minimum credit limit** \- $3,000  
   * **Minimum income** \- $30,000 p.a.  
   * Earn up to 0.75 Qantas Points per $1 spent on eligible purchases[\[3\]](#disclaimer-3)  
   * Plus earn 1 bonus Qantas Point per $1 spent on selected Qantas products and services[\[4\]](#disclaimer-4) in Australia  
   * Complimentary International Medical Travel Insurance,[\[5\]](#disclaimer-5)Complimentary Domestic Travel Insurance and Rental Vehicle Excess Insurance in Australia[\[5\]](#disclaimer-5)  
Apply now [Find out more](https://www.westpac.com.au/credit-cards/reward/altitude-qantas-platinum?fid=cp:salob:concc:pc:cta2)
* Offer  
  
### Altitude Rewards Platinum  
Enjoy Platinum Card benefits and the flexibility of Altitude Rewards. Choose from gift cards, merchandise or our unique 'Pay with Points’ feature.  
Offer Rates Features  
You could earn up to **100,000** bonus Altitude Points[\[6\]](#disclaimer-6) plus a **$99** first year card fee (reverts to $175 p.a. thereafter).[\[7\]](#disclaimer-7)  
**Already with Westpac?** Sign in to apply and get a **$49** first year card fee (reverts to $175 p.a. thereafter).[\[8\]](#disclaimer-8)  
Offer not available if you’ve held a Westpac credit card in the last 24 months. New cards only. Credit criteria and T&Cs apply.  
   * **Variable purchase rate** \- 23.98% p.a.  
   * **Variable cash advance rate** \- 23.99% p.a.  
   * **Annual card fee** \- $175  
   * **Annual Altitude Rewards Program fee** \- $75  
   * **Minimum credit limit** \- $3,000  
   * **Minimum income** \- $30,000 p.a.  
   * Earn up to 2 Altitude Points per $1 spent on eligible purchases[\[3\]](#disclaimer-3)  
   * Complimentary International Medical Travel Insurance[\[5\]](#disclaimer-5) and Complimentary Domestic Travel Insurance and Rental Vehicle Excess Insurance in Australia[\[5\]](#disclaimer-5)  
Apply now [Find out more](https://www.westpac.com.au/credit-cards/reward/altitude-rewards-platinum?fid=cp:salob:concc:pc:cta2)
* Offer  
  
### Altitude Velocity Platinum  
Earn Velocity Points directly into your [Velocity Frequent Flyer](https://www.westpac.com.au/credit-cards/velocity-credit-cards) account and enjoy Platinum credit card benefits.  
Offer Rates Features  
You could earn up to **100,000** bonus Velocity Points.[\[9\]](#disclaimer-9)  
**Already with Westpac?** Sign in to apply and get a **$99** first year card fee (reverts to $175 p.a. thereafter).[\[10\]](#disclaimer-10)  
Offer not available if you’ve held a Westpac credit card in the last 24 months. New cards only. Credit criteria and T&Cs apply.  
   * **Variable purchase rate** \- 23.98% p.a.  
   * **Variable cash advance rate** \- 23.99% p.a.  
   * **Annual card fee** \- $175  
   * **Annual Altitude Velocity Rewards Program fee** \- $125  
   * **Minimum credit limit** \- $3,000  
   * **Minimum income** \- $30,000 p.a.  
   * Earn up to 0.75 Velocity Points per $1 spent on eligible purchases[\[3\]](#disclaimer-3)  
   * Complimentary International Medical Travel Insurance,[\[5\]](#disclaimer-5)Complimentary Domestic Travel Insurance and Rental Vehicle Excess Insurance in Australia[\[5\]](#disclaimer-5)  
Apply now [Find out more](https://www.westpac.com.au/credit-cards/reward/altitude-velocity-platinum?fid=cp:salob:concc:pc:cta2)

## Westpac credit card features

**Up to 45 days interest-free** \- To give you more opportunity to avoid interest charges on your purchases.[\[11\]](#disclaimer-11) Note cash advances aren’t covered by this interest-free period.

**Cashback and discounts** \- With a Westpac credit card, you'll get personalised cashback offers from [Westpac Extras](https://www.westpac.com.au/personal-banking/credit-cards/westpac-extras/), Westpac bonus Cashback when you shop via the Westpac Lounge on [ShopBack](https://www.westpac.com.au/personal-banking/online-banking/making-the-most/rewards-and-offers/offers/shopback/), plus other discounts and offers from a wide range of shops, in-store and online.​

**Split your purchases** \- Split your purchases over $100 into 4 payments over 6 weeks with the [PartPay](https://www.westpac.com.au/credit-cards/partpay) feature on your credit card.

**We got your back** \- Use the [Dynamic CVC](https://www.westpac.com.au/personal-banking/mobile-wallets/digital-card/) on your digital card. The 3-digit number changes every 24 hours for added fraud protection.

**Australia’s Best Banking App** \- Manage your credit card in the [Westpac App](https://www.westpac.com.au/personal-banking/online-banking/mobile-app/)[\[12\]](#disclaimer-12), with features to help you budget, save and stay on top of your finances.

## Frequently asked questions

### How does the Complimentary International Travel Insurance work and am I eligible for it?

For full details on how the complimentary travel insurance works go to [Westpac Complimentary Travel Insurance](https://www.westpac.com.au/credit-cards/manage/travelling-overseas-insurance/insurance-cover) website.

### What do the complimentary insurances cover?

**From 1 October 2026 (where you meet the eligibility criteria) the complimentary credit card insurance will include**:

**Domestic Travel Insurance**[\[5\]](#disclaimer-5)

Domestic Travel Insurance covers flights within and between states in Australia. Cover includes Cancellation, Flight Delay, Luggage and Luggage Delay. Please refer to the [Westpac Credit Card Domestic Complimentary Insurance Policy Information Booklet (PDF)](https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/WBC%5FCredit%5FCard%5FDomestic%5FComplimentary%5FInsurance%5FPolicy%5FInformation%5FBooklet.pdf) for full eligibility criteria, terms, conditions and exclusions.

**Rental Vehicle Excess Insurance in Australia**[\[5\]](#disclaimer-5)

Cover if a rental vehicle you have rented from a rental company or agency in Australia is involved in an accident while you’re driving it, or is damaged or stolen while in your custody. Please refer to the [Westpac Credit Card Domestic Complimentary Insurance Policy Information Booklet (PDF)](https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/WBC%5FCredit%5FCard%5FDomestic%5FComplimentary%5FInsurance%5FPolicy%5FInformation%5FBooklet.pdf) for full eligibility criteria, terms, conditions and exclusions.

**Complimentary International Medical Travel Insurance**[\[5\]](#disclaimer-5)

Up to 3 months (subject to your eligible card) Complimentary International Medical Travel Insurance which includes Overseas Medical & Hospital Expenses, Funeral Expenses, Personal Liability and Overseas Emergency Assistance. To have access to cover you must meet all eligibility criteria including, but not limited to $500 minimum spend and activating your insurance before departing Australia. Please refer to the [Westpac Credit Card International Travel Insurance, Product Disclosure Statements (PDF)](https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/WBC%5FCredit%5FCard%5FInternational%5FTravel%5FInsurance%5FPDS.pdf) for eligibility criteria, terms, conditions, exclusions, limits and applicable sub-limits.

**On or before 30 September 2026 (where you meet the eligibility criteria) the credit card complimentary insurance will include**:

**International Travel Insurance**[\[5\]](#disclaimer-5)(see policy for details)

Access up to 3 months' complimentary cover for International Travel Insurance when you meet the eligibility criteria as set out in the Credit Card Complimentary Insurance Policy including prepaying $500 of your travel costs to your eligible card and holding a return overseas ticket before departing Australia, (see policy document for full eligibility criteria, terms, conditions, and exclusions).

**Overseas Transit Accident Insurance**[\[5\]](#disclaimer-5)

Overseas Transit Accident Insurance covers against specified accidental death or injury when sustained overseas while riding, boarding or alighting as a passenger in a plane, bus, train or shorthaul ferry when you have purchased the tickets for the entire trip using your Credit Card before you leave (terms, conditions, exclusions and eligibility criteria apply).

**Purchase Protection Insurance**[\[5\]](#disclaimer-5)

Access to up to 4 months Purchase Protection Insurance on eligible purchases, as set out in the Credit Card Complimentary Insurance Policy (terms, conditions, exclusions and eligibility criteria apply).

**Extended Warranty Insurance**[\[5\]](#disclaimer-5)

Up to 24 months extended warranty insurance cover (in addition to the manufacturer's expressed Australian warranty) on a range of personal items purchased using your Credit Card (terms, conditions, exclusions and eligibility criteria apply).

### How do I access my Economy X Seat Upgrades?

When you choose Altitude Velocity rewards you can also enjoy 2 Economy X seat upgrades a year, on selected domestic Virgin Australia flights.[\[13\]](#disclaimer-13) To receive the upgrades, simply provide us with your Velocity Frequent Flyer number and make a direct spend at Virgin Australia on your Altitude Black Mastercard. Vouchers will then be available in your Velocity Frequent Flyer account within 10 business days.[\[13\]](#disclaimer-13)

To redeem your Economy X Seat Upgrade vouchers you must first book an eligible domestic flight directly with Virgin Australia. Once you have booked an eligible domestic flight with Virgin Australia, you will need to call the Virgin Australia Guest Contact Centre on [1300 038 373](tel:1300038373) to redeem your Economy X Seat Upgrade vouchers.[\[13\]](#disclaimer-13)

## Things you should know

[Westpac Credit Cards Key Facts Sheet](https://www.westpac.com.au/credit-cards/credit-cards-fact-sheet)

[Credit Card Terms and Conditions (PDF)](https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/westpac-credit-card-terms-and-conditions.pdf)

[Altitude Terms and Conditions (PDF)](https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/westpac-altitude-terms-and-conditions.pdf)

[Westpac Credit Cards Complimentary Insurance Policy (PDF)](https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/WBC%5FConsumer%5FCredit%5FCard%5FComp%5FInsurance%5FAllianz.pdf) – Effective 23 February 2023 (Where you have met the eligibility criteria prior to 1 October 2026)

[Westpac Credit Card Domestic Complimentary Insurance Policy Information Booklet (PDF)](https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/WBC%5FCredit%5FCard%5FDomestic%5FComplimentary%5FInsurance%5FPolicy%5FInformation%5FBooklet.pdf) \- Effective 1 October 2026 (where you have met the eligibility criteria on or after 1 October 2026)

[Westpac Credit Card International Travel Insurance, Product Disclosure Statements (PDF)](https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/WBC%5FCredit%5FCard%5FInternational%5FTravel%5FInsurance%5FPDS.pdf) \- Effective 1 October 2026 (where you have met the eligibility criteria on or after 1 October 2026)

[PartPay Card Terms and Conditions (PDF)](https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/partpay%5Fcard%5Fterms%5Fand%5Fconditions.pdf)

[ID checklist to become a customer (PDF)](https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/new-customer-checklist/Checklist%5FIndividualCustomers.pdf)

Credit criteria, fees and charges apply. Credit Card Product Switches, upgrades or Westpac group staff are ineligible.

This promotion may be varied or withdrawn at any time and is not available in conjunction with any other promotion.

**Be credit savvy**: Before applying, consider a realistic credit limit and check all conditions, interest rates, fees and charges on your selected card.

\[1\] 

**Bonus Qantas Points Promotion Altitude Platinum**: Offer commenced 27th November 2025\. To be eligible for bonus Qantas Points, you must apply and be approved for a new Altitude Qantas Platinum credit card before the offer is withdrawn. You will receive an initial 70,000 bonus points if you spend $4k or more on eligible purchases within 90 days from card approval. These will be credited to your points balance within 12 weeks of meeting this spend criteria. In your second year, spend a minimum of $4k on eligible purchases within 90 days of your card opened date anniversary, and you'll earn an additional 30,000 bonus points. These additional points will be credited to your points balance within 12 weeks of meeting the spend criteria. If you do not meet the minimum spend in the first year, you forfeit the bonus points for the first year only, however you are still eligible for bonus points in the subsequent year if you meet the minimum spend in the subsequent year during the promotional period. Existing Westpac customers who currently hold an Earth Classic, Earth Platinum, Earth Platinum Plus, Earth Black, Altitude Classic, Altitude Platinum or Altitude Black credit card, or who have held one in the last 24 months, are not eligible for this offer. Qantas Points earned during a statement cycle are added to your Qantas Points balance on a monthly basis. Eligible purchases do not include interest, fees and charges, cash or ATM cash advances, cash equivalent transactions, gambling transactions, a purchase from or payment to a local, state or federal government or government related agency, BPAY or similar transactions (such as Post Billpay), refunds and balance transfers debited from the card account. Credit Card Product Switches, upgrades or Westpac group staff are ineligible for this offer. This promotion may be varied or withdrawn at any time and is not available in conjunction with any other promotion.

[Return to footnote 1](#) 

\[2\] 

**Existing customers only - Reduced First year Card Fee for Altitude Qantas Platinum**: Offer commenced 27th November 2025\. The discounted first year Card Fee of $99 is available for existing Westpac customers when you apply and are approved for a new Altitude Qantas Platinum card before the offer is withdrawn. After the first year, the Card Fee reverts to $175, and will be debited to your card account on the 12-month anniversary of the Card Fee date and annually thereafter. A $125 annual Rewards Program Fee still applies for Altitude Qantas if you choose these programs. This promotion may be varied or withdrawn at any time and is not available in conjunction with any other promotion.

[Return to footnote 2](#) 

\[3\] 

**Eligible purchases** do not include interest, fees and charges, cash or ATM cash advances, cash equivalent transactions, gambling transactions, a purchase from or payment to a local, state or federal government or government related agency, BPAY or similar transactions (such as Post Billpay), refunds and balance transfers debited from the card account.

[Return to footnote 3](#) 

\[4\] 

**Qantas products and services**: Bonus Qantas Points earned on Qantas passenger flights (with a QF flight number) booked directly with Qantas, Qantas Club and Qantas Frequent Flyer memberships, when purchased from Qantas and charged as a domestic transaction only. Excludes Jetstar flights and services. You do not earn bonus points on Qantas Freight, Qantas Business Travel, Jetset Travelworld channels and Qantas Staff Travel, and on any international transactions, whether charged in Australian Dollars and/or in any foreign currency.

[Return to footnote 4](#) 

\[5\] 

**Complimentary travel insurance covers**:

AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631, trading as Allianz Global Assistance (AGA), under a binder from the insurer, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 (Allianz), has issued an insurance group policy to Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714 (Westpac) which allows eligible persons to claim under it as third party beneficiaries. Access to the benefit of cover under the Credit Card Complimentary Insurance is provided to eligible Westpac cardholders by operation of s48 of the Insurance Contracts Act 1984 (Cth). If an eligible person wishes to claim any of these benefits, they will be bound by the eligibility criteria, terms, conditions, exclusions, limits and applicable sub-limits contained in the relevant Policy Information Booklet and/or Product Disclosure Statements which may be amended from time to time. This insurance is underwritten by Allianz. Westpac does not guarantee this insurance. This information does not take your personal objectives, circumstances or needs into account. Consider its appropriateness to these factors before acting on it.  
  
**On or before 30 September 2026 (where you meet the eligibility criteria on or before that date) the following Policy Information Booklet will apply**: [Complimentary Insurance Policy Information booklet (PDF)](https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/WBC%5FConsumer%5FCredit%5FCard%5FComp%5FInsurance%5FAllianz.pdf).  
  
**From 1 October 2026 the following policy documents will apply**: [Policy Information Booklet (regarding the Domestic Travel Insurance and Rental Vehicle Excess Insurance in Australia) (PDF)](https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/WBC%5FCredit%5FCard%5FDomestic%5FComplimentary%5FInsurance%5FPolicy%5FInformation%5FBooklet.pdf) and/or [Product Disclosure Statements (for the Complimentary International Medical Travel Insurance) (PDF)](https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/WBC%5FCredit%5FCard%5FInternational%5FTravel%5FInsurance%5FPDS.pdf). The Target Market Determination for the Complimentary International Medical Travel Insurance is available at [www.allianzpartners.com.au/policies/](https://www.allianzpartners.com.au/policies/).

[Return to footnote 5](#) 

\[6\] 

**Altitude Rewards Platinum Bonus Points Promotion**: Offer commenced 27th August 2025\. To be eligible for bonus Altitude Reward Points, you must apply and be approved for a new Altitude Rewards Platinum card before the offer is withdrawn. You will receive an initial 75,000 bonus points if you spend $3k or more on eligible purchases within 90 days of card approval. These will be credited to your points balance within 12 weeks of meeting this spend criteria. You will receive an additional 25,000 bonus points if you keep your account open for more than 12 months and continue to use the card. These additional points will be credited to your points balance within 12 weeks, after the first eligible purchase is made in the second year of your card account being active. If you do not meet the minimum spend criteria within 90 days of card approval, you forfeit the initial 75,000 bonus points only. However, you are still eligible for the additional 25,000 bonus points in the second year if you continue to use your card. Existing Westpac customers who currently hold an Earth Classic, Earth Platinum, Earth Platinum Plus, Earth Black, Altitude Classic, Altitude Platinum or Altitude Black credit card, or who have held one in the last 24 months, are not eligible for this offer. Eligible purchases do not include interest, fees and charges, cash or ATM cash advances, cash equivalent transactions, gambling transactions, a purchase from or payment to a local, state or federal government or government related agency, BPAY or similar transactions (such as Post Billpay), refunds and balance transfers debited from the card account. Credit Card Product Switches, upgrades or Westpac group staff are ineligible for this offer. This promotion may be varied or withdrawn at any time and is not available in conjunction with any other promotion.

[Return to footnote 6](#) 

\[7\] 

**Reduced First year Card Fee for Altitude Rewards Platinum**: Offer commenced 27th August 2025\. The discounted first year Card Fee of $99 is available when you apply and are approved for a new Altitude Rewards Platinum card before the offer is withdrawn. After the first year, the Card Fee reverts to $175 thereafter, and will be debited to your card account on the 12-month anniversary of the Card Fee date and annually thereafter. This promotion may be varied or withdrawn at any time and is not available in conjunction with any other promotion.

[Return to footnote 7](#) 

\[8\] 

**Existing customers only - Reduced First year Card Fee for Altitude Rewards Platinum**: Offer commenced 27th August 2025\. The discounted first year Card Fee of $49 is available when you apply and are approved for a new Altitude Rewards Platinum credit card before the offer is withdrawn. After the first year, the Card Fee reverts to $175 thereafter, and will be debited to your account annually on the 12-month anniversary of the Card Fee date and annually thereafter. This promotion may be varied or withdrawn at any time and is not available in conjunction with any other promotion.

[Return to footnote 8](#) 

\[9\] 

**Bonus Velocity Points Promotion Altitude Platinum**: Offer commenced 27th November 2025\. To be eligible for bonus Velocity Points, you must apply and be approved for a new Altitude Velocity Platinum credit card before the offer is withdrawn. You will receive an initial 70,000 bonus points if you spend $4k or more on eligible purchases within 90 days from card approval. These will be credited to your points balance within 12 weeks of meeting this spend criteria. In your second year, spend a minimum of $4k on eligible purchases within 90 days of your card opened date anniversary, and you'll earn an additional 30,000 bonus points. These additional points will be credited to your points balance within 12 weeks of meeting the spend criteria. If you do not meet the minimum spend in the first year, you forfeit the bonus points for the first year only, however you are still eligible for bonus points in the subsequent year if you meet the minimum spend in the subsequent year during the promotional period. Existing Westpac customers who currently hold an Earth Classic, Earth Platinum, Earth Platinum Plus, Earth Black, Altitude Classic, Altitude Platinum or Altitude Black credit card, or who have held one in the last 24 months, are not eligible for this offer. Velocity Points earned during a statement cycle are added to your Velocity Points balance on a monthly basis. Eligible purchases do not include interest, fees and charges, cash or ATM cash advances, cash equivalent transactions, gambling transactions, a purchase from or payment to a local, state or federal government or government related agency, BPAY or similar transactions (such as Post Billpay), refunds and balance transfers debited from the card account. Credit Card Product Switches, upgrades or Westpac group staff are ineligible for this offer. This promotion may be varied or withdrawn at any time and is not available in conjunction with any other promotion.

[Return to footnote 9](#) 

\[10\] 

**Existing customers only - Reduced First year Card Fee for Altitude Velocity Platinum**: Offer commenced 27th November 2025\. The discounted first year Card Fee of $99 is available for existing Westpac customers when you apply and are approved for a new Altitude Velocity Platinum card before the offer is withdrawn. After the first year, the Card Fee reverts to $175, and will be debited to your card account on the 12-month anniversary of the Card Fee date and annually thereafter. A $125 annual Rewards Program Fee still applies for Altitude Velocity if you choose these programs. This promotion may be varied or withdrawn at any time and is not available in conjunction with any other promotion.

[Return to footnote 10](#) 

\[11\] 

**Interest free period** is available when you pay the Closing Balance (or the Monthly Payment Balance if you have a Balance Transfer, a SmartPlan or a PartPay Card) in full by the payment due date.

[Return to footnote 11](#) 

\[12\] 

This claim is based on **The Forrester Digital Experience Review**™ of 4 Australian mobile banking apps in Q3 2025\. Future findings are subject to change. Forrester does not endorse any company or brand, nor their products or services, nor advise anyone to select them based on this review. If you want to learn more, go to the [Forrester website](https://www.forrester.com/about-us/objectivity/).

[Return to footnote 12](#) 

\[13\] 

**Economy X Seat Upgrade Vouchers**: Two complimentary Economy X Seat Upgrade Vouchers (for eligible domestic flights only) are available to Westpac Altitude Platinum Mastercard and Westpac Altitude Black Mastercard primary cardholders earning Velocity Points through the Altitude Velocity rewards program. To be eligible, your card account must not be in arrears for more than two consecutive statement cycles in accordance with the Altitude Terms and Conditions, you must have provided Westpac with your Velocity Frequent Flyer number and you have made a direct spend with Virgin Australia (Eligible Spend) on your Altitude Platinum Mastercard or Altitude Black Mastercard every year from card open date. Economy X Seat Upgrade Vouchers are valid for 12 months from date of issuance and will appear on your Velocity Frequent Flyer membership account within 10 business days of meeting Eligible Spend. Economy X Seat Upgrades are available to other passengers travelling on the same itinerary as the primary cardholder. Each Economy X Seat Upgrade Voucher can only be redeemed on an eligible non-stop Virgin Australia operated domestic Australian flight. The Economy X Upgrade Voucher is valid per single flight sector only. All Economy X Seat Upgrade Voucher redemptions are subject to availability. No Velocity Points or Status Credits will be awarded for Economy X Seat Upgrade Voucher redemptions. To redeem, book an eligible domestic flight with Virgin Australia on your Altitude Velocity Mastercard and then call the Virgin Australia Guest Contact Centre on [1300 038 373](tel:1300038373) at least 24 hours prior to your flight to apply your Economy X Seat Upgrade. All Economy X Seat Upgrade Voucher redemptions are subject to availability and neither Virgin Australia nor Westpac guarantee that Economy X seats will be available on the flight you may wish to redeem on. All travel is subject to the [Economy X standard Terms and Conditions](https://www.virginaustralia.com/eu/en/travel-info/onboard-experience/seat-selection/eligibility/) and the [Virgin Australia Fare Conditions and Virgin Australia Conditions of Carriage](https://www.virginaustralia.com/us/en/about-us/policies/legal/conditions-of-carriage/) as amended from time to time.

[Return to footnote 13](#) 

**Rewards Points**: The earning and redemption of Altitude Points are subject to the [Altitude Terms and Conditions (PDF)](https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/westpac-altitude-terms-and-conditions.pdf). Purchases that are not eligible to earn Rewards Points are set out in the [Altitude Terms and Conditions (PDF)](https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/westpac-altitude-terms-and-conditions.pdf). You do not receive points if you have not paid the Minimum Payment Due in full and on time and in other circumstances. Points earnt for [PartPay (PDF)](https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/partpay%5Fcard%5Fterms%5Fand%5Fconditions.pdf) Purchases are based on the full value of the purchase, and not on each instalment amount. Altitude Points earned during a statement cycle are added to your respective Points balance on a monthly basis.

**Altitude Rewards**: To earn and redeem points, you must be a member of the applicable rewards program. Additional fees may apply and vary by rewards program. See the applicable card's product page for details. For more information on the Altitude Rewards program, visit [Altitude Rewards](https://www.altituderewards.com.au/rewards/phoenix/altitude/ProgramInfo/altitudewelcome).

**Qantas Rewards Points**: The earning and redemption of Qantas Points are subject to the [Altitude Terms and Conditions (PDF)](https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/westpac-altitude-terms-and-conditions.pdf). Purchases that are not eligible to earn Rewards Points are set out in the [Altitude Terms and Conditions (PDF)](https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/westpac-altitude-terms-and-conditions.pdf). You do not receive points if you have not paid the Minimum Payment Due in full and on time and in other circumstances. Points earnt for [PartPay (PDF)](https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/partpay%5Fcard%5Fterms%5Fand%5Fconditions.pdf) Purchases are based on the full value of the purchase, and not on each instalment amount. Qantas Points earned during a statement cycle are added to your respective Points balance on a monthly basis.

**Altitude Qantas**: To earn and redeem points, you must be a member of the applicable Frequent Flyer program. Annual Rewards Program fees apply and vary by rewards program. See the applicable card's product page for details.

**Velocity Rewards Points**: The earning and redemption of Velocity Points are subject to the [Altitude Terms and Conditions (PDF)](https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/westpac-altitude-terms-and-conditions.pdf). Purchases that are not eligible to earn Rewards Points are set out in the [Altitude Terms and Conditions (PDF)](https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/westpac-altitude-terms-and-conditions.pdf). You do not receive points if you have not paid the Minimum Payment Due in full and on time and in other circumstances. Points earnt for [PartPay (PDF)](https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/partpay%5Fcard%5Fterms%5Fand%5Fconditions.pdf) Purchases are based on the full value of the purchase, and not on each instalment amount. Velocity Points earned during a statement cycle are added to your respective Points balance on a monthly basis.

**Altitude Velocity**: To earn and redeem points, you must be a member of the applicable Frequent Flyer program. Annual Rewards Program fees apply and vary by rewards program. See the applicable card's product page for details.

Mastercard® is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

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### Important information

* [Access and Inclusion](https://www.westpac.com.au/web-accessibility/?fid=op-infob-nprs-ftr-cta1)
* [Security](https://www.westpac.com.au/security/?fid=op-serob-nprs-ftr-cta1)
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* [Site index](https://www.westpac.com.au/sitemap/?fid=op-infob-nprs-ftr-cta1)
* [Modern Slavery Statement](https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/aw/sustainability/wbc-2025-modern-slavery-statement.pdf?fid=op-infob-nprs-ftr-cta1)

For Westpac issued products, conditions, fees and charges apply. These may change or we may introduce new ones in the future. Full details are available on request. Lending criteria apply to approval of credit products. This information does not take your personal objectives, circumstances or needs into account. Consider its appropriateness to these factors before acting on it. Read the disclosure documents for your selected product or service, including the [Terms and Conditions](https://www.westpac.com.au/terms-conditions/?fid=op-infob-nprs-ftr-cta1), before deciding. [Target Market Determinations](https://www.westpac.com.au/tmd/?fid=op-infob-nprs-ftr-cta1) for the products are available. Unless otherwise specified, the products and services described on this website are available only in Australia from © Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714.

Westpac acknowledges the Traditional Owners as the custodians of this land, recognising their connection to land, waters and community. We pay our respects to Australia’s First Peoples, and to their Elders past and present. View our [Indigenous hub](https://www.westpac.com.au/about-westpac/indigenous/?fid=op-infob-nprs-ftr-cta2)

## Not a Westpac customer

[ Apply now](#) 

## Already a Westpac customer

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---

# Source: https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/WBC_Consumer_Credit_Card_Comp_Insurance_Allianz.pdf

Important notice – replacement of Westpac Credit Cards
Complimentary Insurance policy 
From 1 October 2026, where you hold an eligible Westpac credit card and meet the eligibility criteria for cover
on or after that date, coverage for travel is provided as set out in the following policy documents: 
•   Westpac Credit Card International Travel Insurance Product Disclosure Statements 1 
•   Westpac Credit Card Domestic Complimentary Insurance Policy Information Booklet 1 
(New Policy Documents) 
The New Policy Documents are available at   westpac.com.au/cctravelinsurance 
Purchase Protection Insurance, Extended Warranty Insurance and Overseas Transit Accident Insurance will
no longer be offered from 1 October 2026 – unless you meet the terms and conditions and eligibility criteria
for those insurances before 1 October 2026 (see below for more information). 
Travel bookings or purchases made before 1 October 2026. 
Where you meet the terms and conditions and eligibility criteria   before   1 October 2026, this Policy
Information Booklet will continue to apply for each of the following insurances: 
•   International Travel Insurance 
•   Overseas Transit Accident Insurance 
•   Interstate Flight Inconvenience Insurance 
•   Rental Vehicle Excess in Australia Insurance 
However, if your journey in accordance with this Policy Information Booklet extends beyond 
30 September 2027, the period of cover will end on 30 September 2027 (Period of Cover End Date). 
This means that the “eligibility criteria” and “period of cover” for each of the above insurances is amended in
the Policy Information Booklet such that: 
•   Where it specifies that, in order to be eligible, you must spend or charge to your card account a certain
amount on prepaid travel or rental vehicle costs, you must do so on or before 30 September 2026; and 
•   any references to the “period of cover” are subject to the Period of Cover End Date.

The following table sets out examples of when this insurance cover in this Booklet will continue to apply: 
Type of
insurance   Eligibility Criteria   Covered by the policy in this Booklet? 
International
Travel Insurance 
On 15 September 2026, you have
met all eligibility requirements for
International Travel Insurance. 
Your flight leaves on 26 December
2026 and returns on 15 January 2027. 
Yes. 
International
Travel Insurance 
On 1 October 2026, you have
met all eligibility requirements for
International Travel Insurance. 
Your flight leaves on 26 December
2026 and returns on 15 January 2027. 
No. Purchases which meet the minimum
spend eligibility on or after 1 October
2026 are no longer covered by this Booklet.
Please refer to Westpac Credit Card
International Travel Insurance, effective 
1 October 2026. 1 
Purchase Protection Insurance and Extended Warranty Insurance. 
Purchase Protection Insurance and Extended Warranty Insurance will continue to apply as set out in the
Policy Information Booklet in full, provided that you meet the terms and conditions and eligibility criteria
before 1 October 2026. This means that any qualifying purchase must be made before 1 October 2026.
There is no change to the Period of Cover. 
Accessibility support. 
Visit   westpac.com.au/web-accessibility   for further information on our accessible products and services for
people with disability, who are neurodivergent or where English is not your preferred language. 
Westpac acknowledges the Traditional Owners as the custodians of this land, recognising their connection
to land, waters and community. We pay our respects to Australia’s First Peoples, and to their Elders, 
past and present. 
Things   you   should   know:   1.   Complimentary   International   Medical   Travel   Insurance,   Domestic   Travel
Insurance and Rental Vehicle Excess Insurance in Australia is issued and managed by: AWP Australia Pty Ltd 
ABN 52 097 227 177 AFSL 245631, trading as Allianz Global Assistance (AGA), under a binder from the
insurer, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 (Allianz), has issued an
insurance group policy to Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit
licence 233714 (Westpac) which allows eligible persons to claim under it as third party beneficiaries.
Westpac is the policyholder. Access to the benefit of cover under the Credit Card Complimentary Insurance
is provided to eligible Westpac cardholders by operation of s48 of the   Insurance Contracts Act 1984   (Cth).
If an eligible person wishes to claim any of these benefits, they will be bound by the eligibility criteria,
terms, conditions, exclusions, limits and applicable sub-limits contained in the Policy Information Booklet
(regarding the Domestic Travel Insurance and Rental Vehicle Excess Insurance in Australia) & Product
Disclosure Statement (regarding the Complimentary International Medical Travel Insurance) which may
be amended from time to time. Allianz is the insurer of these insurances. Westpac does not guarantee the
Complimentary International Medical Travel Insurance and Domestic Travel Insurance and Rental Vehicle
Excess Insurance in Australia. This information does not take your personal objectives, circumstances or
needs into account. Consider its appropriateness to these factors before acting on it. The PDS is available at 
www.westpac.com.au/credit-cards/manage/travelling-overseas-insurance/insurance-cover   and the TMD
for the Complimentary International – Travel Insurance is available at   www.allianzpartners.com.au/policies/ 
© Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714.
WBCWCI001 1026

Westpac Credit Cards
Complimentary
Insurance 
Policy information booklet. 
Effective date: 23 February 2023

The Insurer is: 
Allianz Australia Insurance Limited 
ABN 15 000 122 850, AFSL 234708, 
Level 16, 10 Carrington Street, 
Sydney, NSW 2000. 
Phone: 13 10 00 
The Group policy is issued and managed by: 
AWP Australia Pty Ltd trading as Allianz Global Assistance 
ABN 52 097 227 177 AFS Licence 245631 as an agent for 
Allianz Australia Insurance Limited, of Level 16, 310 Ann Street, 
Brisbane, QLD 4000. 
Phone: 1800 091 710

3 
Claims and Enquiries 
You can contact Allianz Global Assistance for claims and enquiries using the
contact details below.
Access claim forms and lodge your travel claim, 24 hours a day, 7 days a week at: 
insurance.agaassistance.com.au/westpac/ 
cardclaims@allianz-assistance.com.au 
Within Australia: 1800 091 710 
Monday to Friday: 8am to 8pm AEST 
Saturday: 8am to 5pm AEST 
24-Hour Emergency Assistance 
Please call emergency services immediately if your condition is life threatening. 
Allianz Global Assistance 
Within Australia: 1800 227 773 
From overseas: +61 7 3305 7468 
Please note, additional charges may apply for any calls made from mobiles,
public telephones or hotel rooms. 
Letter of Eligibility for International Travel Insurance 
You can obtain written confirmation of eligibility for cover for your overseas
journey based on the answers you give us, by applying online at: 
checkyourcover.com.au/westpac 
If you provide us with incorrect answers to the questions we ask you, you may
not be eligible for cover under the group policy issued to Westpac. 
Changes to this Booklet 
The information in this booklet is correct and current as at the date on the
cover however, from time to time it is subject to change. Any changes to terms
and conditions related to insurance coverage will be communicated to you in
writing. Any minor changes unrelated to insurance coverage will be published
on Westpac’s website at: 
westpac.com.au

4 
Contents 
Important information about the complimentary covers available   ..................   7 
Introduction . ............................................................................................................................   7 
Allianz – the insurer . ..............................................................................................................   7 
Westpac is not the issuer (insurer) of these covers . ...................................................   8 
Termination or variation of cover . .....................................................................................   8 
Other insurances . ...................................................................................................................   8 
Limitation of cover . ................................................................................................................   9 
Allianz Global Assistance Privacy Notice   ................................................................   9 
Definitions   ...................................................................................................................... 11 
International Travel Insurance (for persons aged under 81 years)   ................. 21 
Part A – Eligibility for Cover . ............................................................................................ 21 
Part B – Period of Cover . .................................................................................................... 22 
Part C – Benefits Limits . .................................................................................................... 24 
Part D – Excesses and General Exclusions . ................................................................ 29 
Excesses – what you contribute to a claim . ...................................................................   29 
General exclusions . ................................................................................................................   30 
Part E – The Cover Available . .......................................................................................... 33 
Epidemics and Pandemics (such as COVID-19)   ..........................................................   33 
Pre-existing medical conditions . .......................................................................................   34 
Pre-existing medical conditions that are covered (some restrictions apply) . ...   35 
Pregnancy . ................................................................................................................................   36 
Emergency and medical services while overseas . ......................................................   38 
Travelling overseas . ...............................................................................................................   39 
Section 1.1 Overseas emergency assistance . ............................................................ 40 
Section 1.2 Overseas emergency medical . ................................................................. 41 
Section 1.3 Overseas emergency dental (spontaneous toothache) . .................. 43 
Section 1.4 Evacuation & repatriation . ......................................................................... 44 
Section 1.5 Hospital cash allowance . ........................................................................... 44 
Section 1.6 Accidental death . .......................................................................................... 45

5 
Section 1.7 Funeral expenses . ........................................................................................ 45 
Section 1.8 Loss of income . .............................................................................................. 45 
Section 1.9 Assault requiring hospital admission . ................................................... 46 
Section 2.1 Cancellation . .................................................................................................. 46 
Section 3.1 Additional expenses . ................................................................................... 50 
Section 3.2 Travel delay expenses . ............................................................................... 53 
Section 3.3 Alternative transport expenses . .............................................................. 53 
Section 3.4 Return home & resumption of journey
following death of a relative . ........................................................................................... 54 
Section 3.5 Domestic pets . ............................................................................................... 55 
Section 3.6 Hijack . ............................................................................................................... 55 
Section 3.7 Kidnap & ransom . ......................................................................................... 55 
Section 4.1 Luggage . .......................................................................................................... 56 
Section 4.2 Travel documents, transaction cards & travellers cheques . ........... 60 
Section 4.3 Luggage delay . .............................................................................................. 61 
Section 5.1 Rental vehicle excess . ................................................................................. 61 
Section 6.1 Personal liability . .......................................................................................... 62 
Overseas Transit Accident Insurance   ...................................................................... 64 
Part A – Eligibility for Cover . ............................................................................................ 64 
Part B – Period of Cover . .................................................................................................... 65 
Part C – Benefit Limits . ...................................................................................................... 65 
Part D – Excess and Exclusions . ...................................................................................... 68 
Part E – The cover available . ............................................................................................ 69 
Interstate Flight Inconvenience Insurance   ............................................................ 69 
Part A – Eligibility for Cover . ............................................................................................ 69 
Part B – Period of Cover . .................................................................................................... 71 
Part C – Benefit Limits . ...................................................................................................... 71 
Part D – Excesses and General Exclusions . ................................................................ 72 
Part E – The cover available . ............................................................................................   74 
Section 1.1 Cancellation . .....................................................................................................   74 
Section 2.1 Flight delay . ......................................................................................................   76 
Section 3.1 Luggage . ............................................................................................................   76

6 
Section 3.2 Luggage delay . ................................................................................................   79 
Section 4.1 Funeral expenses . ...........................................................................................   80 
Rental Vehicle Excess in Australia Insurance   ....................................................... 80 
Part A – Eligibility for Cover . ............................................................................................ 80 
Part B – Period of Cover . .................................................................................................... 80 
Part C – Benefit Limits . ...................................................................................................... 81 
Part D – Excess and Exclusions . ...................................................................................... 81 
Part E – The cover available . ............................................................................................ 82 
Purchase Protection Insurance   ................................................................................. 83 
Part A – Eligibility for Cover . ............................................................................................ 83 
Part B – Period of Cover . .................................................................................................... 84 
Part C – Benefit Limits . ...................................................................................................... 84 
Part D – Excess and Exclusions . ...................................................................................... 84 
Part E – The cover available . ............................................................................................ 86 
Extended Warranty Insurance   .................................................................................. 87 
Part A – Eligibility for Cover . ............................................................................................ 87 
Part B – Period of Cover . .................................................................................................... 88 
Part C – Benefit Limits   ....................................................................................................... 88 
Part D – Excess and Exclusions   ....................................................................................... 89 
Part E – The cover available . ............................................................................................ 90 
Claims . .....................................................................................................................................   91 
How to make a claim . ............................................................................................................   91 
Depreciation . ............................................................................................................................   92 
You should not admit fault or liability . ............................................................................   93 
Recovery . ...................................................................................................................................   93 
How GST may affect your claim . ......................................................................................   94 
Fraud . ..........................................................................................................................................   94 
Complaints & disputes   ................................................................................................ 95 
General Insurance Code of Practice   ........................................................................ 95

7 
Important information about the complimentary
covers available 
Introduction. 
This booklet describes the complimentary insurance benefits provided by Allianz,
which are available to Westpac card cardholders and other eligible beneficiaries.
Cover applies to events occurring on or after 23 February, 2023. You are not
covered for events occurring after termination of or the expiry of the period
of the group policy. Westpac will provide accountholders with details of any
replacement cover. 
Allianz – the insurer. 
These covers are available under a group policy issued to Westpac Banking
Corporation, ABN 33 007 457 141, AFSL and Australian credit licence
No 233714 (Westpac) of 275 Kent Street, Sydney, NSW 2000 by AWP
Australia Pty Ltd, ABN 52 097 227 177, AFSL 245631 trading as Allianz
Global Assistance of 310 Ann Street, Brisbane QLD 4000 (Allianz Global
Assistance) under a binder from the insurer, Allianz Australia Insurance Limited,
ABN 15 000 122 850, AFSL 234708, Level 16, 10 Carrington Street, Sydney,
NSW 2000 (Allianz). For general enquiries call Allianz Global Assistance. Allianz
Global Assistance issues and manages the group policy on behalf of Allianz. 
The covers described in this booklet are available for your benefit under a group
policy entered into between Allianz Global Assistance and Westpac. Westpac
is the policy owner. When eligible, you have the benefit of cover as a third party
beneficiary by reason of the statutory operation of section 48 of the   Insurance
Contracts Act 1984   (Cth). 
There is no obligation to accept any of these benefits. However, if you wish
to claim any of these benefits, you will be bound by the definitions, terms,
conditions, exclusions, limits, applicable sub-limits and claims procedures
contained in this booklet. 
Please read this booklet carefully and keep it in a safe place. Also please
keep detailed particulars and proof of any loss including the sales receipts and
Westpac card account statements showing any purchases.

8 
Westpac is not the issuer (insurer) of these covers. 
Westpac is not the issuer of these covers and neither it nor any of its related
corporations guarantee or are liable to pay any of the benefits under
these covers. 
These benefits are available to the beneficiaries upon meeting the eligibility
requirements under these covers. Neither Westpac nor any of its related
corporations are Authorised Representatives of Allianz, Allianz Global
Assistance or any of their related companies and Westpac does not receive any
commission or remuneration in relation to the insurance set out in this booklet. 
Termination or variation of cover. 
Westpac or Allianz Global Assistance may terminate any one or all of the
covers described in this booklet, and if so Westpac will notify accountholders
of the termination or change in writing. The existing cover will only apply to
events occurring before the date of change or termination. No cover is available
for events occurring after the date of termination. Westpac will provide
accountholders with details of any replacement cover. 
Other insurances. 
If you are entitled to receive a benefit or make a claim under another insurance
policy (Other Policy) (for example, a comprehensive travel insurance policy
for your overseas journey), in respect of the same loss as your claim under the
group policy, then, subject to the provisions of the   Insurance Contracts Act
1984   (Cth) Allianz is not liable to provide indemnity under the group policy
until the amount of any indemnity under that Other Policy is exhausted. In
other words, any cover available under the group policy in respect of the
same loss shall only be excess insurance cover over and above the applicable
Other Policy. 
If you make a claim under another insurance policy and you are not paid the full
amount of the claim, then, subject to the provisions of the   Insurance Contracts
Act 1984   (Cth), the cover available to you under the group policy will make up
the difference, to the extent of cover that applies, in accordance with the terms
and conditions contained in this booklet. 
We may seek contribution from your other insurer. You must give us any
information that we reasonably require to help us make a claim from the
other insurer.

9 
Limitation of cover. 
Irrespective of any other provision of the policy, we shall not be deemed to
provide cover or be liable to pay any claim or provide any benefit (including
a refund on premium) hereunder to the extent that the provision of such
cover, payment of such claim or provision of such benefit would contravene
or otherwise expose us to the risk of any penalty, sanction, prohibition
or restriction under United Nations resolutions or the trade or economic
sanctions, laws or regulations of Australia, New Zealand, the European Union,
United Kingdom or United States of America. 
Allianz Global Assistance Privacy Notice 
To offer or provide you with our insurance services, we, namely AWP Australia
Pty Ltd ABN 52 097 227 177 trading as ‘Allianz Global Assistance’ and as
agent for the insurer Allianz, collects, stores, uses, and discloses your personal
information including sensitive information. The insurance cover arises from a
group policy taken out between your bank (Westpac) and Allianz and under
which you are entitled to cover as a beneficiary when you meet the eligibility
criteria set out in the group policy wording. 
We usually collect your personal information directly from you, but sometimes
from others depending upon the circumstances. 
For example, when you make a claim for cover, we may collect your personal
information from you, the group policy holder to check you have met eligibility
requirements, your family members and travel companions, as well as from
third parties that provide services including doctors, hospitals, airlines, travel
and accommodation providers, your agents and representatives, our agents,
and other service providers. We are responsible for ensuring your personal
information is used and protected in accordance with applicable laws and
regulations, including the   Privacy Act 1988 . We collect your personal
information to enable us to properly assess and manage your insurance claim,
and to provide the services we have agreed to provide under the group policy.
For example, we collect your name, address, date of birth, email address,
and sometimes your medical information, bank account details, as well as
other information we collect through devices like ‘cookies’ when you visit our
website such as your IP address and online preferences.

10 
We use your personal information to offer and provide our services and to
manage your and our rights and obligations in connection with your claim.
For instance, we use it to check, process, and finalise your insurance claim.
We may also use it for product development, customer data analytics, research,
IT systems maintenance and development, recovery against third parties,
for the detection and investigation of fraud, and for other purposes with your
consent or where permitted by law. 
We do not use your personal or sensitive information for marketing purposes or
provide that information to any third parties for marketing. 
Your personal information may be disclosed to third parties (some of whom are
data processors) who assist us to carry out the above activities both inside and
outside of Australia, such as claims management providers, travel agents and
intermediaries, insurers, investigators, cost containment providers, medical and
health service providers, overseas data storage (including ‘cloud’ storage) and
data handling providers, legal and other professional advisers, your agents, your
travel group leader if you travel in a group, your bank (Westpac) if you are the
beneficiary of the bank’s credit card insurances, insurance reference bureaux, and
our related and group companies including Allianz. Some of these third parties
may be located in other countries including in Europe, Asia, Canada, or the USA. 
When you provide personal information to us about other individuals, we rely
on you to have first obtained the individual’s consent, and to have made them
aware of the matters set out in this Privacy Notice. 
You may also seek access to your personal data and ask us to correct and
update it. We will delete your personal data when we no longer need it for a
legitimate purpose. 
You may not access or correct personal information of others unless you have
been authorised by their express consent, or unless they are your dependants
under 16 years of age. 
If you have a request or complaint concerning your personal information
or about data privacy, please contact: The Privacy Officer, Allianz
Global Assistance, PO Box 162, Toowong, QLD 4066, or email 
DataPrivacyAU@allianz-assistance.com.au . 
You can also contact the Privacy Commissioner at the Office of the Australian
Information Commissioner, GPO Box 5218, Sydney, NSW 2001 if you have
a complaint.

11 
For more information about our corporate privacy policy and handling of
personal information, including further details about access, correction and
complaints, please visit our website at   allianz-assistance.com.au   and click on
the ‘Privacy & Security’ link in the footer. 
If you do not agree with the matters set out in our privacy policy or will not
provide us with the personal information we request, we may not be able to
provide you with our services including the assessment and payment of any
claims. In cases where we cannot comply with your request concerning your
personal information, we will give you reasons why. 
Definitions 
There are some words in this booklet that have a special meaning. These words
and their meanings are set out in the table below. Headings have been included
for ease of reference but do not form part of the terms and conditions of the
cover available. 
Word   Meaning 
accident
accidental
accidentally 
a sudden, unforeseen and unintended event. 
accountholder   a Westpac customer, being an individual, business
entity or company, who has entered into a card account
with Westpac and in whose name the card account was
opened. The accountholder is the individual, business
entity or company that has contractual obligations with
Westpac under the card account. 
Allianz   Allianz Australia Insurance Limited,
ABN 15 000 122 850, AFSL 234708. 
Allianz Global
Assistance 
AWP Australia Pty Ltd, ABN 52 097 227 177,
AFSL 245631. 
card   a current and valid Level 1 Card or Level 2 Card issued
by Westpac. This includes a PartPay Card that is linked
to a current and valid Level 1 Card or Level 2 Card.

12 
Word   Meaning 
card account   •   a current and valid Westpac card facility provided by
Westpac to which purchases made by cardholders on
a Westpac card are charged; or 
•   the primary account linked to a Westpac card to
which a transaction is routed by any electronic funds
transfer facility. 
cardholder   a person who resides in Australia (including holders of
a visa issued under the   Migration Act 1958   (Cth) which
entitles the holder of the visa to residency), to whom
Westpac has issued a Westpac card. 
chronic   a persistent and lasting condition. It may have a pattern
of relapse and remission. 
concealed
storage
compartment 
a boot, trunk, glove box, enclosed centre console, or
concealed cargo area of a vehicle. 
covered
breakdown 
the failure of a covered product to operate for the
purpose for which it was designed, as a direct result
of a breakdown or defect. This does not include where
the breakdown or defect is covered by the terms of the
manufacturer’s warranty. 
covered item   an item acquired for personal, domestic or household
use but excludes: 
•   items acquired for the purpose of sale or trade; 
•   animals or plant life; 
•   boats, automobiles, motorboats, motorcycles,
airplanes or any other motorised vehicles and their
integral parts and installed accessories; 
•   computer software and other non-tangible items; 
•   cash, bullion, negotiable instruments, vouchers,
gift cards, securities, trading cards, tickets of any
description, travellers cheques or collections such as
stamps, coins and cards;

13 
Word   Meaning 
•   consumable or perishable items (including but not
limited to food, drink, drugs, cosmetics, fuel or oil); 
•   manuscripts and books of account; 
•   second-hand items including works of art and antiques; 
•   items of contraband; 
•   real estate and movable fixtures or fittings (including
but not limited to dish washers, stoves, ovens and
fixed air conditioners) which are or are intended to
form part of any home or real estate. 
covered product   a new domestic appliance product purchased in
Australia that has a manufacturer’s warranty of at least
six (6) months and of no more than five (5) years. It does
not include any other product. 
dependant   •   your child (including step-child, adopted child, foster
child and child you care for under a legal guardian
arrangement), not in full-time employment who is
aged under twenty five (25) years at the time that
their eligibility for cover is met; or 
•   all persons who are physically or mentally incapable
of self-support who the cardholder has custody of and
who live with the cardholder. 
Dependant does not include any person other than
those listed. 
epidemic   an infectious disease that rapidly spreads to a large
number of people in a community, population or region. 
excess   the deduction we will make from the amount otherwise
payable for each claimable incident or event. 
financial default   insolvency, bankruptcy, provisional liquidation, financial
collapse, appointment of receivers, or any other form of
insolvency administration or the happening of anything
of a similar nature under the laws of any jurisdiction.

14 
Word   Meaning 
funeral expenses   the costs charged by a funeral director for arranging
a funeral service and by a cemetery for a burial or a
crematorium for a cremation. It does not include the cost
of memorialisation or any other costs. 
home   the place where you normally live in Australia. 
hospital   an established hospital registered under any legislation
that applies to it, that provides in-patient medical
care. It does not include any institution used primarily
as a nursing or convalescent home, or a place for
the treatment of alcoholism, drug addiction or
substance addiction. 
income   the amount of money you earn from your employment
in a trade, business, profession or occupation after the
deduction of income tax. 
injure 
injured 
injury 
bodily injury caused solely and directly by violent,
accidental, visible and external means, which happens
at a definite time and place during the period of cover
available and does not result from any illness, sickness
or disease. 
interstate flight   return travel on a registered and scheduled commercial
passenger airline from any Australian state or territory
to another Australian state or territory. 
journey   travel which begins when you leave home or your
place of business to commence your travel and ends
when you arrive back home or at a hospital or nursing
home in Australia (if you are evacuated or repatriated),
whichever happens earlier. 
kidnap 
kidnapped 
your actual taking away against your will to hold you
in false imprisonment without legal authority for the
purpose of demanding ransom.

15 
Word   Meaning 
Level 1 Card   the following Westpac issued credit cards: 
•   Earth Black; 
•   Earth Platinum Plus; 
•   Altitude Black (including Altitude Qantas Black and
Altitude Velocity Black); 
•   Altitude Platinum Plus (including Private Bank
Altitude Platinum Plus); 
•   Altitude Qantas Platinum Plus (including Private Bank
Altitude Qantas Platinum Plus); 
•   Singapore Airlines Westpac Platinum; 
•   Low Fee Platinum; and 
•   55 Day Platinum. 
This includes a Westpac PartPay Card that is linked to a
current and valid Level 1 Card. 
Level 2 Card   the following Westpac issued credit cards: 
•   Earth Platinum; 
•   Altitude Platinum (including Altitude Qantas Platinum
and Altitude Velocity Platinum); 
•   Singapore Airlines Westpac Gold; 
•   55 Day Gold; and 
•   Private Bank Gold Mastercard ® . 
This includes a Westpac PartPay Card that is linked to a
current and valid Level 2 Card. 
loss of   as used with reference to hand or foot means severance
through or above the wrist or ankle joint. 
manufacturer’s
warranty 
the manufacturer’s written warranty, properly registered
with the manufacturer, that is applicable and able to be
fulfilled within Australia.

16 
Word   Meaning 
medical adviser   a doctor, a clinical psychologist or a dentist, who is not
you, your travel companion or a relative or an employee
of you, your travel companion or a relative, holding the
necessary certification for the country in which they are
currently practicing and qualified to give the diagnosis
being provided. 
medical
expenses 
reasonable expenses incurred for: 
•   medical, paramedical or surgical treatment and other
treatment given or prescribed by a medical adviser; or 
•   ambulance or hospital charges; or 
•   dental treatment arising as a result of an injury. 
mental illness   any illness, condition or disorder listed in the
current edition of the Diagnostic and Statistical
Manual of Mental Disorders (used by clinicians and
psychiatrists to diagnose psychiatric illnesses – see 
psychiatry.org/psychiatrists/practice/dsm   or consult
your medical adviser). 
motorcycle   any two-wheeled or three-wheeled motor vehicle. 
natural disaster   any event or force of nature that has catastrophic
consequences, such as avalanche, earthquake, flood,
bush fire, hurricane, tornado, cyclone, tsunami and
volcanic eruption, but not epidemics or pandemics. 
overseas   outside of Australia and its territories, and includes
when you are aboard a foreign registered cruise vessel
in Australian territorial waters. 
pandemic   an epidemic that spreads to multiple countries,
continents, or worldwide.

17 
Word   Meaning 
pre-existing
medical
condition 
a condition of which a reasonable person in the
circumstances, should have been aware at the time
eligibility for the cover available was met, including: 
•   any dental condition; or 
•   any physical condition; or 
•   pregnancy; or 
•   any lifelong illness; or 
•   any chronic illness; or 
•   any mental illness; or 
•   any current or previously treated cancer, or 
any condition which, in the last two (2) years at the time
eligibility for the cover available was met: 
•   was treated by surgery (including day surgery); or 
•   required regular medication; or 
•   required on-going treatment; or 
•   was referred to a specialist medical adviser; or 
•   had regular reviews or check-ups; or 
•   caused admission to hospital; or 
•   was treated at a hospital emergency department or
out-patient clinic. 
quad bike   a motorised vehicle designed to travel on four or more
wheels, having a seat straddled by the operator and
handlebars for steering control. 
ransom   cash, negotiable instruments, and/or marketable goods
surrendered by or on behalf of you to facilitate the
ending of a kidnap incident.

18 
Word   Meaning 
reasonable   •   for medical expenses, the standard level given in the
country you are in not exceeding the level you would
normally receive in Australia; 
•   for other covered expenses, a level comparable to
those you have booked for the rest of your journey; or 
•   reasonable, having regard to the circumstances. 
Reciprocal
Health Care
Agreement 
an agreement between the Government of Australia and
the government of another country where Australian
residents are provided with subsidised essential medical
treatment. (Please visit   dfat.gov.au   for details of
Reciprocal Health Care Agreements with Australia). 
relative   •   spouse, fiance, fiancee; 
•   parent, parent-in-law, step parent, guardian,
grandparent; 
•   child, grandchild, step child, foster child, ward; 
•   brother, half brother, step brother, brother-in-law,
sister, half sister, step sister, sister-in-law; 
•   daughter-in-law, son-in-law; or 
•   uncle, aunt, niece, nephew. 
Relative does not include any other person. 
rental vehicle   a campervan/motorhome that does not exceed
4.5 tonnes, a sedan, coupe, hatchback, station-wagon,
SUV, four wheel drive or mini bus/people mover rented
from a licensed motor vehicle rental company or agency.
Rental vehicle does not include any other vehicle
irrespective of type or weight. 
return overseas
travel ticket 
a ticket from Australia and return to Australia. 
sick, sickness   a medical condition (including a mental illness), not
being an injury, the signs or symptoms of which first
occur or manifest during the period of cover available.

19 
Word   Meaning 
special event   a wedding, funeral, 25th or 50th wedding anniversary,
pre-paid conference, pre-paid sporting event, pre-paid
concert, pre-paid cruise, pre-paid dinner or pre-paid
tour which before you left Australia you had planned to
attend. Special event does not include any other event. 
sporting
equipment 
equipment needed and used to participate in a particular
sport and which can be carried about with you. 
spouse   the partner of the cardholder who is in a permanent
relationship with the cardholder at the time the journey
or trip starts. 
transaction card   a debit card, credit card or travel money card. 
transportation   an aircraft, vehicle, taxi, train, bus or short-haul ferry
(but not a cruise ship) that is licensed or authorised to
carry fare-paying passengers. Transportation does not
include any other means of transport. 
travel companion   a person with whom you made arrangements before
the journey began, to travel with you for at least fifty
per cent (50%) of the period of cover available for
your journey. Travel companion does not include any
other person. 
trip   an overseas passage by the cardholder and their spouse
and/or dependants as fare paying passengers on
transportation. 
unlimited   there is no capped dollar sum insured. 
Terms, conditions, exclusions, limits and applicable
sub-limits apply – refer to Part D – Excesses and
General Exclusions and Part E – The Cover Available in
this policy information booklet.

20 
Word   Meaning 
valuables   jewellery, watches, precious metals or semi-precious
stones/precious stones and items made of or containing
precious metals or semi-precious stones/precious
stones, furs, binoculars, telescopes, computer games,
any kind of photographic, audio, video, computer,
television, fax and phone equipment (including mobile
phones), tablets, MP3/4 players and PDAs. 
Westpac   Westpac Banking Corporation, ABN 33 007 457 141,
AFSL and Australian credit licence 233714. 
we, our, us   Allianz Australia Insurance Limited, ABN 15 000 122
850, AFSL 234708 and its agent AWP Australia Pty
Ltd, ABN 52 097 227 177, AFSL 245631 trading as
Allianz Global Assistance. 
you, your,
yourself 
cardholder, spouse or dependants if they are eligible for
the cover available.

21 
International Travel Insurance
(for persons aged under 81 years) 
Part A – Eligibility for Cover. 
Not all insurance covers are available for all Westpac cards or all cardholders
and different conditions may also be available for different cardholders,
so please refer to each Part of this insurance to determine the complimentary
insurance benefits that may be available to you. 
Eligibility for the cover available depends upon the type of Westpac card
you have. 
Who is eligible? 
As a cardholder with a Level 1 Card or Level 2 Card you are eligible for the
cover available under this International Travel Insurance when you meet all of
the following criteria: 
1.   you reside in Australia and your journey begins and ends in Australia; and 
2.   before leaving Australia you spend at least $500 on your prepaid travel
costs (i.e. your travel costs that you pay for before leaving Australia)
and you charge these costs (e.g. cost of your return overseas travel
ticket; and/or airport/departure taxes; and/or your prepaid overseas
accommodation/travel; and/or your other prepaid overseas itinerary items)
to the accountholder’s card account; and 
3.   you have a return overseas travel ticket before you leave Australia; and 
4.   you are aged under eighty one (81) years at the time you become eligible
for the cover available by meeting conditions 1 to 3 listed above. 
Who else is eligible? 
If the cardholder becomes eligible for the cover available, a spouse and/or
dependant(s) also becomes eligible, when each of them individually meets all
of the following eligibility criteria: 
1.   the spouse and/or dependants reside in Australia and their journey begins
and ends in Australia; and 
2.   each of the spouse and/or dependants is travelling with the cardholder
for at least fifty per cent (50%) of the period of cover available to the
cardholder for the cardholder’s overseas journey; and

22 
3.   before leaving Australia at least $500 of each of the spouse and/or
dependant’s prepaid travel costs (e.g. cost of return overseas travel ticket,
and/or airport/departure taxes, and/or prepaid overseas accommodation/
travel, and/or other prepaid overseas itinerary items) are charged to the
accountholder’s card account; and 
4.   each of the spouse and/or dependants has a return overseas travel ticket
before they leave Australia; and 
5.   each of the spouse and/or dependants are aged under eighty one (81) years
at the time they each become eligible for the cover available by meeting
conditions 1 to 4 listed above. 
Dependants under the age of two years at the date the
journey commences. 
If a cardholder satisfies the eligibility criteria set out above, their dependant(s)
under the age of two (2) years as at the date the journey commences is eligible
for the cover provided the dependant is travelling with the cardholder for at
least fifty per cent (50%) of the period of cover available to the cardholder for
the cardholder’s overseas journey. 
No cover is available for dependants born on the journey. Refer to the
Pregnancy section in Part E – The Cover Available. 
When a cardholder, spouse and dependant are travelling together only one
eligible person can claim the benefits payable to a cardholder. The other
eligible persons may only claim as a spouse or dependant. 
Part B – Period of Cover. 
If you have met all the criteria listed under Part A – Eligibility for Cover before
leaving Australia, the following maximum period of cover is available for
your journey. 
Card   Period of cover 
Level 1 Cards   Up to six (6) consecutive months for cardholders,
their spouses and/or dependants 
Level 2 Cards   Up to three (3) consecutive months for cardholders,
their spouses and/or dependants

23 
The maximum period of cover available for your journey cannot be extended
by you. 
The period of cover available under SECTION 2.1 CANCELLATION begins
on the date you become eligible by meeting the criteria set out in Part A –
Eligibility for Cover. 
Provided you meet the eligibility criteria set out in Part A – Eligibility for Cover,
the period of cover available for all other insured events commences when you
leave your home to start your journey or on the departure date shown on your
return overseas travel ticket, whichever occurs later. 
Cover available under all sections ends when the first of the following occurs: 
•   when you return to your home; or 
•   when you arrive at a hospital or nursing home in Australia (if you are
evacuated or repatriated); or 
•   at midnight on the date when you are due to return to your home as shown on
your return overseas travel ticket; or 
•   six (6) consecutive months for Level 1 Card cardholders, spouses and/or
dependants or three (3) consecutive months for Level 2 Card cardholders,
spouses and/or dependants after the date of departure shown on your return
overseas travel tickets; or 
•   when you cancel your return overseas travel ticket. 
If you have a return overseas travel ticket and your return to Australia is
delayed because of a covered event, or because your scheduled means of
transport is delayed for reasons beyond your control: 
•   the period of cover available will automatically be extended by us for up to
four (4) consecutive weeks; or 
•   if you are under the care of a medical adviser overseas, who certifies in
writing that you are incapable of travel at the end of the additional four (4)
consecutive weeks, cover will continue for medical expenses and evacuation
for up to twelve (12) consecutive months from the date of your departure
from Australia; or 
•   until you are fit to return to your home, whichever occurs first.

24 
Part C – Benefits Limits. 
The table below sets out the amounts and maximum limits of what we will pay
under each section of International Travel Insurance. All limits and sub-limits in
the table are shown in Australian dollars. 
The cover available is outlined in Part E and is subject to the applicable terms,
conditions, exclusions, limits and sub-limits. This is a summary only. 
~ Where used, the term ‘Unlimited’ means there is no capped dollar sum
insured. Terms, conditions, exclusions, limits and applicable sub-limits apply
– refer to Part D – Excesses and General Exclusions and Part E – The Cover
Available in this policy information booklet. 
All costs and expenses claimed must be necessary and reasonable. We will
only pay for treatment received and/or hospital accommodation during the
twelve (12) consecutive month period after the sickness first showed itself or
the injury happened. 
Section 
Limit 
Level 1 Cards 
and Level 2 Cards 
1.1 Overseas
Emergency
Assistance 
Unlimited ~ 
1.2 Overseas
Emergency Medical 
Unlimited ~ 
1.3 Overseas
Emergency Dental
(spontaneous
toothache) 
Emergency dental treatment for sudden and acute
pain to natural teeth (spontaneous toothache) up to a
maximum total limit of $2,000 per person. 
1.4 Evacuation
& Repatriation 
Unlimited ~ 
1.5 Hospital
Cash Allowance 
$100 per person per day up to a maximum total limit
of $15,000 per person.

25 
Section 
Limit 
Level 1 Cards 
and Level 2 Cards 
1.6 Accidental
Death 
$50,000 per cardholder 
$25,000 per spouse 
$25,000 per dependant 
Up to a maximum total limit of $150,000. 
1.7 Funeral
Expenses 
Unlimited ~ 
1.8 Loss of Income   Your verified income, up to $1,000 per person per
week for a cardholder and spouse, limited to twelve
(12) consecutive weeks incapacity and a maximum of
$12,000 for all claims combined. 
1.9 Assault
requiring Hospital
Admission 
$500 per person 
2.1 Cancellation   Unlimited ~   except: 
2.1.1 a]
Travel agents
cancellation fees 
•   For travel agent’s cancellation fee which is limited
to an amount equal to the lesser of $500 or 15% of
the value of the travel arranged by the agent. 
2.1.1 b]
Accidental death
of specified
relative living
overseas 
•   $2,500 per person up to a maximum total limit of
$5,000. 
3.1 Additional
Expenses 
Unlimited ~ 
3.1.1 a]
Additional
travel &
accommodation
expenses due to
your incapacity 
Unlimited ~

26 
Section 
Limit 
Level 1 Cards 
and Level 2 Cards 
3.1.1 b]
Emergency
travel &
accommodation
expenses for
a necessary
companion 
Unlimited ~ 
3.1.1 c]
Additional
travel &
accommodation
expenses due
to your travel
companions
incapacity 
Unlimited ~ 
3.1.1 d]
Expenses due to
your evacuation
or repatriation
home 
Unlimited ~ 
3.1.1 e]
Repatriation
of dependants
left without
supervision 
Unlimited ~ 
3.1.1 f]
Additional
travel &
accommodation
expenses due to
specified events 
Unlimited ~

27 
Section 
Limit 
Level 1 Cards 
and Level 2 Cards 
3.2 Travel Delay
Expenses 
After six (6) consecutive hours delay, up to $500 per
person for meal and accommodation expenses up
to a maximum total limit of $1,100 for a cardholder
travelling with their spouse and/or dependants. 
3.3 Alternative
Transport Expenses 
Up to a maximum total limit of $3,750. 
3.4 Return Home
& Resumption of
Journey following
Death of a Relative 
Up to $5,750 per person up to a maximum total limit
of $12,500 for a cardholder travelling with their
spouse and/or dependants. 
3.5 Domestic Pets   Up to $50 per 24-hour period up to a maximum total
limit of $500. 
3.6 Hijack   Up to $250 per person per 12-hour period. 
Up to a maximum total limit of $20,000 for a
cardholder travelling with their spouse and/or
dependants. 
3.7 Kidnap
& Ransom 
Up to a maximum total limit of $100,000. 
4.1.1 a] 
Luggage 
Up to $20,000 per person up to a maximum total
limit of $30,000 for a cardholder travelling with
their spouse and/or dependants subject to the
following limits: 
•   Up to $5,000 per item for baggage, clothing,
personal valuables, portable electrical equipment
and binoculars; 
•   Up to $5,500 per camera for cameras and
associated equipment/accessories; 
•   Up to $5,500 in total for laptop computers and
associated equipment/accessories.

28 
Section 
Limit 
Level 1 Cards 
and Level 2 Cards 
4.1.1 b]
Luggage (other than
valuables, left in
a vehicle) 
Notwithstanding the above limits under sub-section
4.1.1 a], any covered items that are left unattended
in a motor vehicle are only insured up to a maximum
total limit of $5,000. 
4.1.1 c]
Luggage (valuables
left in a vehicle or
checked in luggage) 
No cover available except as in the circumstances
described under 4.1.1 c] which is limited to a
maximum of $5,500. 
4.1.1 d]
Sporting Equipment
while it is in use 
No cover available. 
4.2 Travel
Documents,
Transaction Cards
& Travellers
Cheques 
Up to $550 per person up to a maximum total limit of
$1,250 for a cardholder travelling with their spouse
and/or dependants for travel documents, travellers
cheques, bank notes, currency notes, postal orders,
money orders, cash or transaction cards. 
4.3 Luggage Delay   Up to $800 per person up to a maximum total limit
of $1,600 for a cardholder travelling with a spouse
and/or dependants. 
5.1 Rental
Vehicle Excess 
Up to a maximum total limit of $5,500. 
6.1 Personal
Liability 
Up to a maximum total limit of $2,500,000.

29 
Part D – Excesses and General Exclusions. 
Excesses – what you contribute to a claim. 
You must pay the following excess amounts for each claim made under the
following covers even if a number of claims are submitted on the one claim
form. However, if you make more than one claim as the result of a single event,
the highest excess will apply but will only apply once. 
Section   Excess amount 
1.1 Overseas Emergency Assistance   Nil 
1.2 Overseas Emergency Medical   $300 
1.3 Overseas Emergency Dental
(spontaneous toothache) 
$300 
1.4 Evacuation & Repatriation   $300 
1.5 Hospital Cash Allowance   $300 
1.6 Accidental Death   Nil 
1.7 Funeral Expenses   Nil 
1.8 Loss of Income   Nil 
1.9 Assault requiring
Hospital Admission 
Nil 
2.1 Cancellation   $300 
3.1 Additional Expenses   $300 
3.2 Travel Delay Expenses   $300 
3.3 Alternative
Transport Expenses 
$300 
3.4 Return Home & Resumption
of Journey following Death
of a Relative 
$300

30 
Section   Excess amount 
3.5 Domestic Pets   Nil 
3.6 Hijack   Nil 
3.7 Kidnap & Ransom   Nil 
4.1 Luggage   $300 
4.2 Travel Documents, Transaction
Cards & Travellers Cheques 
Nil 
4.3 Luggage Delay   Nil 
5.1 Rental Vehicle Excess   $300 
6.1 Personal Liability   Nil 
General exclusions. 
The general exclusions below set out what is not covered. 
You should also read each section as they contain specific exclusions that
also apply. 
To the extent permitted by law we do not cover you for any loss, damage or
expense arising from, caused by, or in any way related to: 
1.   your loss of enjoyment; loss of opportunity; loss of revenue; loss of profits
or loss of goodwill; 
2.   you booking or taking travel against medical advice, travel for the purpose
of getting medical treatment or advice, or travel taken after a medical
adviser informs you that you are terminally ill; 
3.   your intentional self harm or your suicide or your attempted suicide; 
4.   your use of alcohol or drugs or any transmissible disease resulting from
the giving or taking a drug, unless the use of the drug is supervised by a
medical adviser; 
5.   any expense arising: 
•   from regular or routine antenatal care; 
•   from childbirth at any gestation (except when arising from an injury
or sickness);

31 
•   from care of a newborn child; 
•   after the end of the twenty sixth (26th) week of your pregnancy (the
twenty sixth (26th) week of your pregnancy is calculated based on your
estimated date of delivery as confirmed in writing by your obstetrician); 
•   from pregnancy related sickness if you have had complications in your
pregnancy before you became eligible for cover; 
6.   your travel in any air supported device other than as a passenger in: 
•   a fully licensed aircraft operated by an airline or charter company; or 
•   a regulated or licensed hot air balloon; 
7.   your participation in any dangerous activities or your exposure of yourself to
danger during your journey unless in an attempt to preserve your life or the
life of another person, and includes but is not limited to activities such as: 
•   scuba diving unless you hold an open water diving certificate or are diving
with a qualified and registered diving instructor; 
•   mountaineering or rock climbing requiring the use of ropes and/or
climbing equipment, racing (other than amateur racing on foot), white
water rafting, white water boating, abseiling, parasailing, skydiving, hang
gliding, base jumping, bungy jumping, pot holing, canyoning, caving,
fire walking, running with the bulls, rodeo riding, polo playing, hunting,
shooting, archery, tobogganing, water skiing, jet skiing, off-piste snow
skiing, off-piste snowboarding, snowmobiling or any other similar activity; 
•   any kind of training for, coaching or competing in any sporting event
where you are entitled to receive, or are eligible to receive, an appearance
fee, wage, salary or prize money in excess of $1,000; and 
•   quad bike or motorcycle riding during your journey unless it involves
you only driving a motorcycle, with an engine capacity of 200cc or less,
for which you hold a valid motorcycle licence in Australia or a licence
valid for the country you are travelling in if your Australian licence is not
recognised in that country; 
8.   illegal or criminal acts by you, your spouse, your dependants or any other
person acting with your consent or under your direction; 
9.   your participation as a crew member or pilot of any transportation; 
10.   your or your travel companion’s failure to obtain a visa, a passport or a
passport with a required minimum remaining validity;

32 
11.   the injury, illness or death of any person who is aged eighty-one (81) years
or over at the time you become eligible for cover under International Travel
Insurance; 
12.   any interference with your travel plans by any government, government
regulation or prohibition or intervention or official authority; 
13.   changes in currency rates; 
14.   your failure to take reasonable care; 
15.   any epidemic or pandemic, unless your claim relates to you or your travel
companion being positively diagnosed as suffering a sickness recognised
as an epidemic or pandemic, such as COVID-19, and cover is expressly
included in the following sections: 
1.1 Overseas emergency assistance 
1.2 Overseas emergency medical 
1.4 Evacuation & repatriation 
2.1 Cancellation 
3.1 Additional expenses; 
16.   any act of war, whether war is declared or not, or from any rebellion,
revolution, insurrection or taking of power by the military; 
17.   a nuclear reaction or contamination from nuclear weapons or radioactivity; 
18.   biological and/or chemical materials, substances, compounds or the like
used directly or indirectly for the purpose of harming or to destroy human
life and/or create public fear; 
19.   providing cover or being liable to pay any claim or provide any benefit
(including a refund on premium) hereunder to the extent that the provision
of such cover, payment of such claim or provision of such benefit would
contravene or otherwise expose us to the risk of any penalty, sanction,
prohibition or restriction under United Nations resolutions or the trade or
economic sanctions, laws or regulations of Australia, New Zealand, the
European Union, United Kingdom or United States of America; 
20.   your claim arising because you did not follow an advice or warning that a
reasonable person would have been aware of: 
•   by an Australian government (when a ‘Reconsider your need to
travel’ or ‘Do not travel’ alert is in place), which can be found on 
smartraveller.gov.au ; or 
•   which was   published   in a reliable mass media source.

33 
Part E – The Cover Available. 
Epidemics and Pandemics (such as COVID-19) 
If, during the period of cover available, you (including your spouse and/or
dependants who are eligible for cover) are positively diagnosed as suffering a
sickness recognised as an epidemic or pandemic, such as COVID-19, cover is
available to you under the following sections: 
1.1 Overseas emergency assistance 
1.2 Overseas emergency medical 
1.4 Evacuation & repatriation 
2.1 Cancellation 
3.1 Additional expenses 
If your travel companion is positively diagnosed as suffering a sickness
recognised as an epidemic or pandemic, such as COVID-19, which impacts your
journey, cover is available to you under the following sections: 
2.1 Cancellation 
3.1 Additional expenses 
Terms, conditions, exclusions, limits and applicable sub-limits apply. Please
refer to Part D – Excesses and General Exclusions and the exclusions set out in
each of the above sections. 
For example, you will not be covered if you are positively diagnosed as
suffering a sickness recognised as an epidemic or pandemic while travelling
against an advice or warning issued by an Australian government and you
did not take reasonable care to avoid contracting the sickness (for example
by delaying travel to the country or part of the country referred to in the
warning), refer to General Exclusions 14 and 20 in Part D for more information.
Please note, this also applies even if the Australian government has given
you permission to travel or you fall under a specific exemption where there is
otherwise a travel ban in place that prohibits you from travelling. 
For all other sections and any other claim arising from, or related to, epidemics
or pandemics, there is no cover.

34 
Pre-existing medical conditions. 
Please ensure that you read the definition of pre-existing medical condition in
the section headed Definitions. 
No cover is available for any claims arising from, related to or associated with,
your pre-existing medical condition unless: 
a]   Allianz Global Assistance has confirmed in writing to you that the pre-existing
medical condition causing your claim is covered by the group policy; or 
b]   the pre-existing medical condition meets the requirements set out under
the heading PRE-EXISTING MEDICAL CONDITIONS THAT ARE COVERED
(SOME RESTRICTIONS APPLY). 
If you have a pre-existing medical condition that is not covered, we will not pay
any claims arising from, related to or associated with that condition. This means
that you may have to pay for an overseas medical emergency and any associated
costs, which can be prohibitive in some countries. 
Before going overseas, you can apply for assessment of whether your pre-existing
medical condition is covered by the group policy online or over the phone. 
Online:   checkyourcover.com.au/westpac 
Within Australia Phone: 1800 091 710 
During assessment you must answer all of our questions honestly and
truthfully. If you do not answer all of our questions honestly and truthfully,
your pre-existing medical condition may not be covered by the group policy
and any confirmation of cover issued may be invalid. 
If after assessment, Allianz Global Assistance confirm to you that your
pre-existing medical condition is covered by the group policy, you will need to
pay an administration fee of $45 for assessment by phone or an administration
fee of $45 for an online assessment. After payment of any required
administration fee, Allianz Global Assistance will send you written confirmation
(for the period of cover available) that your pre-existing medical condition is
covered by the group policy. 
This International Travel Insurance does not cover any claim arising from the
pre-existing medical conditions of your relatives, travel companion or any
other person. 
The pre-existing medical conditions listed in the following table are covered under
this International Travel Insurance without assessment, provided the pre-existing
medical condition you have meets the specified requirements that must be met.

35 
Pre-existing medical conditions that are covered
(some restrictions apply). 
If your condition is listed in the table, but the criteria for cover are not met, you
may still apply for assessment of whether the pre-existing medical condition
you have is covered by the group policy. If after assessment, Allianz Global
Assistance confirm to you that your pre-existing medical condition is covered
by the group policy, you will need to pay an administration fee as outlined
under the heading PRE-EXISTING MEDICAL CONDITIONS. 
Pre-existing
medical condition   Requirements that must be met 
Acne   If you have not required treatment by a medical adviser
in the last three (3) consecutive months. 
Allergies   If the condition has not required treatment by a
medical adviser in the last nine (9) consecutive
months and you have no known respiratory conditions
e.g. Asthma. 
Asthma   If no exacerbation requiring treatment by a medical
adviser in the last twelve (12) consecutive months. 
Cataracts/
Glaucoma 
If you have no ongoing complications, are not on
a waiting list for an operation and have not been
operated on in the last two (2) consecutive months. 
Coeliac Disease   If the condition has not required treatment by a
medical adviser in the last six (6) consecutive months. 
Diabetes/Glucose
Intolerance 
If you were diagnosed over twelve (12) consecutive
months ago and have not had any complications in the
last twelve (12) consecutive months. You must also
have a Blood Sugar Level reading between four (4)
and twelve (12) or a HbA1C score of nine per cent (9%)
or less. You must also not currently be undergoing
treatment for kidney, eye or nerve complications. 
Ear Grommets   With no current infection.

36 
Pre-existing
medical condition   Requirements that must be met 
Epilepsy   If there are no underlying medical conditions
(e.g. previous head trauma, stroke) and you have not
required treatment by a medical adviser for a seizure
in the last two (2) consecutive years. 
Gastric Reflux   If the condition does not relate to another underlying
diagnosis (e.g. Hernia/Gastric Ulcer). 
Gout   If the gout has remained stable for the last nine (9)
consecutive months. 
Hiatus Hernia   If no surgery is planned. 
Hip/Knee
Replacement 
If performed more than nine (9) consecutive months
ago and less than ten (10) consecutive years ago. 
Hypertension
(High Blood
Pressure) 
If you have no known heart conditions and your current
blood pressure reading is lower than one hundred and
sixty five over ninety five (165/95). 
Pregnancy. 
This International Travel Insurance may not be adequate for your needs if you
are planning to travel beyond the twenty sixth (26th) week of your pregnancy. 
No cover is available for a child born during the period of cover available for
your journey unless as a consequence of an injury or sickness (occurring during
the period of cover available). 
If you are pregnant when you become eligible for cover available your
pregnancy will be defined as a pre-existing medical condition however,
any complications of your pregnancy arising from injury or sickness occurring
after you became eligible will be covered by the group policy issued to
Westpac except if you have had complications in your pregnancy before you
became eligible for the cover available. 
If you fall pregnant after you become eligible, you will be entitled to the cover
available arising from any complications of your pregnancy caused by injury
or sickness.

37 
No cover is available for: 
•   antenatal care; 
•   childbirth at any gestation (except when arising from an injury or sickness); 
•   care of a newborn child; 
•   any expenses related to your pregnancy arising after the end of the twenty
sixth (26th) week of your pregnancy (the twenty sixth (26th) week of
your pregnancy is calculated based on your estimated date of delivery as
confirmed in writing by your obstetrician); 
•   pregnancy related sickness if you have had complications in your pregnancy
before you became eligible for cover. 
These provisions apply whether you fall pregnant naturally or as a result of
medical assistance (such as, through IVF treatment). 
Any pregnancy related expenses incurred during your journey after the end
of the twenty sixth (26) week of your pregnancy will not be covered by
this insurance. 
As a guide to the cover available for pregnancy under the group policy issued
to Westpac, including limitations and restrictions, please read through the
table below. 
Your pregnancy   Outcome 
a] You are not yet
pregnant however,
you are attempting
to become pregnant
or are undergoing
fertility treatment. 
If you become pregnant after you became eligible,
cover is available for any complication arising from
an injury or sickness. No cover is available for the
course of any treatment you are undergoing at the
time your journey commences. 
b] You will require
antenatal care
during the period of
cover available for
your journey. 
No cover is available for antenatal care.

38 
Your pregnancy   Outcome 
c] You are pregnant
and are undergoing a
course of treatment
at the time your
journey begins. 
No cover is available for the course of treatment
you are undergoing at the time your journey
commences. Cover is available, for medical
expenses arising out of an injury. Cover is available
for complications arising from sickness but not
if you have had complications in your pregnancy
before you became eligible for the cover available. 
d] You are injured
or become sick
during your journey
and give birth as a
consequence. 
Cover is available for medical expenses incurred
for the treatment of your injury or sickness and
the childbirth occurring as a consequence of the
injury or sickness however, no cover is available
for complications arising from sickness or a
childbirth resulting from sickness if you have had
complications in your pregnancy before you became
eligible for the cover available. 
e] You give birth
naturally during
the period of
cover available for
your journey. 
No cover is available either for the childbirth or care
of the newborn child. 
f] You travel beyond
twenty six (26)
weeks gestation and
give birth while you
are still overseas. 
No cover is available for the childbirth, care of the
newborn child or any expenses related to your
pregnancy. 
Emergency and medical services while overseas. 
Please call emergency services immediately if your condition is life threatening. 
In the event of an emergency overseas, simply call Allianz Global Assistance
at any time on +61 7 3305 7468. Please note, additional charges may apply for
any calls made from mobiles, public telephones or hotel rooms. 
Allianz Global Assistance’s team of medical professionals is available to you
24 hours a day, 7 days a week for advice and assistance in the event of a
medical emergency and any associated problems which occur outside Australia.

39 
Allianz Global Assistance has access to a worldwide team of skilled doctors
and medical professionals and provides the following services: 
•   Access to medical advisers for emergency assistance and advice; 
•   Emergency transportation to the nearest suitable hospital; 
•   Emergency evacuation, if necessary; 
•   If requested by you, your family in Australia will be advised of your medical
condition and be kept informed of the situation; 
•   Payment guarantees to hospitals for reasonable medical expenses and
cover verification; 
•   Second opinions on medical matters; 
•   Urgent message service and emergency travel planning. 
Travelling overseas. 
You do not have to tell us or Westpac that you will be travelling. Provided you
meet the eligibility criteria (see Part A – Eligibility for Cover) and comply with
the terms and conditions of this insurance, you will be entitled to the benefits
of the cover available. 
In the event of an emergency overseas contact Allianz Global Assistance
using the contact details shown on the inside front cover of this booklet.
Allianz Global Assistance are available 24 hours a day, seven days a week. 
You must take all reasonable steps to prevent or minimise loss. 
You must take all reasonable precautions to safeguard your belongings.
For example, leaving your belongings unsupervised, leaving them behind or
walking away from them in a place the public has access to encourages theft
and are not reasonable precautions. 
You must take all reasonable steps to safeguard your own safety and follow the
advice and heed the warnings of any government or government agency and
any official body and heed warnings broadcast in the mass media. 
You should take this booklet with you when travelling overseas as it contains
important phone numbers and details of the cover available, together with
copies of your card account statement and card receipt to establish that you
gained your eligibility for cover in accordance with the criteria set out in the
section headed Part A – Eligibility for Cover.

40 
In the event you wish to make a claim under the cover available (especially if
claiming whilst overseas), it will be necessary for you or your agents to confirm
to Allianz Global Assistance or its agents that the eligibility criteria was met
as previously outlined. Without this information, a claim may be delayed and it
may not be possible for Allianz Global Assistance or its agents to give approval
for overseas medical attention or assistance. 
Section 1.1 Overseas emergency assistance. 
Allianz Global Assistance will help you with any overseas emergency (also see
EMERGENCY AND MEDICAL SERVICES WHILE OVERSEAS above). 
You may contact Allianz Global Assistance 24 hours a day, 7 days a week. 
In addition to an overseas journey, eligible cardholders, spouses and
dependants who are onboard a foreign registered vessel in Australian territorial
waters will be eligible for the benefits available under this section subject to
the terms, conditions, exclusions, limits and applicable sub-limits that apply. 
1.1.1 Allianz Global Assistance will arrange. 
If while overseas, during the period of cover available: 
a]   you injure yourself or become sick (including if you are positively diagnosed
as suffering a sickness recognised as an epidemic or pandemic, such as
COVID-19), provided the relevant injury or sickness is covered by the group
policy; or 
b]   require treatment for a pre-existing medical condition: 
•   that Allianz Global Assistance has confirmed in writing is covered by the
group policy: or 
•   for which cover is available as specified in the section headed
PRE-EXISTING MEDICAL CONDITIONS, 
Allianz Global Assistance will arrange for the following assistance services: 
a]   access to a medical adviser for emergency medical treatment while
overseas; 
b]   any messages which need to be passed on to your family or employer in the
case of an emergency; 
c]   provision of any written guarantees for payment under SECTION 1.2 –
OVERSEAS EMERGENCY MEDICAL of medical expenses incurred
while overseas;

41 
d]   provision of any written guarantees for payment under SECTION 1.4 –
EVACUATION & REPATRIATION of reasonable expenses for your medical
transfer or evacuation to the nearest hospital overseas for emergency
medical treatment or to be brought back to your home with appropriate
medical supervision; and 
e]   advice and assistance with emergency travel planning. 
1.1.2 What we exclude. 
To the extent permitted by law, we will not be responsible for costs and
expenses that you would not have incurred had you followed reasonable
medical advice. This includes any subsequent medical, hospital or evacuation
expenses incurred when you did not follow the reasonable medical advice. 
Section 1.2 Overseas emergency medical. 
In addition to an overseas journey, eligible cardholders, spouses and
dependants who are onboard a foreign registered vessel in Australian territorial
waters will be eligible for the benefits available under this section subject to
the terms, conditions, exclusions, limits and applicable sub-limits that apply. 
1.2.1 What we cover. 
Overseas medical expenses due to covered injury or sickness. 
a]   If you injure yourself or become sick (including if you are positively
diagnosed as suffering a sickness recognised as an epidemic or pandemic,
such as COVID-19) while overseas, during the period of cover available for
your journey, we will reimburse the reasonable medical expenses you incur
until you get back to Australia provided that the relevant injury or sickness
is covered by this insurance. The medical expenses must have been for
treatment given or prescribed by a medical adviser. 
You should make every reasonable effort to keep your medical expenses to
a minimum. 
Overseas medical expenses due to covered pre-existing medical condition 
b]   If, while overseas during the period of cover available for your journey, you
require medical or hospital treatment for a pre-existing medical condition: 
•   that Allianz Global Assistance has confirmed in writing is covered by the
group policy: or 
•   for which cover is available as specified in the section headed 
PRE-EXISTI NG MEDICAL CONDITIONS,

42 
we will reimburse you for the medical expenses for treatment given or
prescribed by a medical adviser, except for the cost of medication you were
on or the cost of a course of treatment you were receiving at the time your
journey began. 
You should make every reasonable effort to keep your medical expenses to
a minimum. 
If you are prevented from returning home because of a sickness, injury or
pre-existing medical condition that is covered, we will only pay for medical
expenses incurred during the twelve (12) consecutive month period after the
sickness was first diagnosed or the injury happened or the pre-existing medical
condition we agreed to cover required treatment. 
If, after assessment of your claim, the reasonable medical advice is that
you should return to Australia for treatment and you do not agree to do so,
we will pay you an amount up to the limit shown in Part C – Benefit Limits
– 1.2 Overseas Emergency Medical, which we reasonably consider to be
equivalent to: 
•   your medical expenses incurred overseas to the date Allianz Global
Assistance advise you to return to your home; plus 
•   the reasonable amount it would cost us to return you to your home; plus 
•   the non-refundable portion of unused travel and accommodation
arrangements you would have incurred had you followed the advice of
Allianz Global Assistance. 
You will then be responsible for any ongoing or additional costs relating to
or arising out of the event you have claimed for. 
1.2.2 What we exclude. 
To the extent permitted by law, we will not pay for medical expenses: 
a]   that you would not have incurred had you followed the advice of
Allianz Global Assistance; 
b]   if you have received care under a Reciprocal Health Care Agreement; 
c]   relating to dental treatment involving the use of precious metals or for
cosmetic dentistry; 
d]   for dental treatment caused by or related to the deterioration and/or
decay of teeth; 
e]   for preventative dental treatment;

43 
f]   arising from a pre-existing medical condition except: 
•   if you satisfy the criteria as set out under the heading PRE-EXISTING
MEDICAL CONDITIONS THAT ARE COVERED (SOME RESTRICTIONS
APPLY) in the PRE-EXISTING MEDICAL CONDITIONS section in Part E –
The cover available; or 
•   as provided in the medical terms letter if Allianz Global Assistance
confirmed in writing that the pre-existing medical condition is covered by
the group policy; 
g]   any payment which would result in us contravening the   Health Insurance
Act 1973   (Cth), the   Private Health Insurance Act 2007   (Cth) or the   National
Health Act 1953   (Cth) or any other applicable legislation (whether in
Australia or not). 
Section 1.3 Overseas emergency dental (spontaneous toothache). 
1.3.1 What we cover. 
If during the period of cover available for your journey, you suffer sudden and
acute pain (spontaneous toothache) to natural teeth that is not an injury or
sickness covered under section 1.2, we will cover you for the cost of necessary
emergency dental treatment to treat the sudden and acute pain, up to the
limit specified in Part C – Benefit Limits – 1.3 Overseas Emergency Dental
(Spontaneous Toothache). 
1.3.2 What we exclude. 
To the extent permitted by law, we will not pay for expenses: 
a]   if you have received care under a Reciprocal Health Care Agreement; 
b]   relating to dental treatment involving the use of precious metals or for
cosmetic dentistry; 
c]   for dental treatment caused by or related to the deterioration and/or decay
of teeth; 
d]   for preventative dental treatment; or 
e]   arising from a pre-existing medical condition.

44 
Section 1.4 Evacuation & repatriation. 
1.4.1 What we cover. 
If while overseas during the period of cover available for your journey, you injure
yourself, or become sick, (including if you are positively diagnosed as suffering
a sickness recognised as an epidemic or pandemic, such as COVID-19) or
require treatment for a pre-existing medical condition and the relevant injury, or
sickness, or pre-existing medical condition is covered by this insurance, we will
pay the reasonable cost of your medical transfer or evacuation if you must be
transported to the nearest hospital for emergency medical treatment overseas
or be brought back to your home on the written advice of a medical adviser. 
1.4.2 What we exclude. 
To the extent permitted by law we will not pay a claim under this section
in addition to a claim under SECTION 2.1 CANCELLATION for the same
or similar services. We will only pay the highest amount incurred by you,
not both amounts. 
Section 1.5 Hospital cash allowance. 
1.5.1 What we cover. 
If during the period of cover available for your journey, you are admitted
to hospital overseas for a continuous period of more than twenty four (24)
consecutive hours as a result of an injury or sickness or pre-existing medical
condition that we have agreed is covered, then we will pay you the benefit
specified in Part C – Benefit Limits – 1.5 Hospital Cash Allowance for each
day in excess of twenty four (24) consecutive hours that you continue to be a
hospital inpatient up to the maximum total limit. 
1.5.2 What we exclude. 
To the extent permitted by law we will not pay if you cannot claim for
medical expenses connected with the hospital admission under SECTION 1.2
OVERSEAS EMERGENCY MEDICAL.

45 
Section 1.6 Accidental death. 
1.6.1 What we cover. 
If, during the period of cover available for your journey; 
a]   you are injured and you die because of that injury within twelve (12)
consecutive months of the injury; or 
b]   something you are travelling on or in disappears, sinks or crashes and
your body is not found within twelve (12) consecutive months and you are
presumed dead; and 
c]   you are not entitled to a loss of life benefit payable under Overseas Transit
Accident Insurance, we will pay the benefit specified in Part C – Benefit
Limits – 1.6 Accidental Death, up to the maximum total limit, to your estate. 
Section 1.7 Funeral expenses. 
1.7.1 What we cover. 
If during the period of cover available for your journey you die from a cause
that is not excluded, we will pay for your reasonable funeral expenses incurred
overseas or the reasonable cost of bringing your remains back to your home. 
The maximum amount we will pay is specified in Part C – Benefit Limits –
1.7 Funeral Expenses. 
1.7.2 What we exclude. 
To the extent permitted by law, we will not pay for any expenses, or any costs
incurred in Australia except the reasonable cost of transporting your remains
from the inbound port or airport to your home or nominated funeral home. 
Section 1.8 Loss of income. 
1.8.1 What we cover. 
If you are a cardholder or a spouse and during the period of cover available for
your journey, you suffer an injury requiring medical treatment overseas, and: 
a]   because of the injury you become disabled; and 
b]   the disablement continues for more than thirty (30) consecutive days from
the date of your return to your home; and

46 
c]   you are under the regular care of and acting in accordance with the
instructions or advice of a medical adviser who certifies in writing that the
disablement prevents you from gainful employment; and 
d]   as a result you lose all your income, 
then we will pay you up to the specified benefit per week for up to the specified
number of consecutive weeks as shown in Part C – Benefit Limits – 1.8 Loss of
Income, starting from the thirty first (31st) consecutive day after your return to
your home. 
1.8.2 What we exclude. 
No cover is available for loss of income if you are a dependant. 
Section 1.9 Assault requiring hospital admission. 
1.9.1 What we cover: 
If during the period of cover available for your journey, you suffer an injury
resulting from you being assaulted which requires your hospital admission
as an inpatient for treatment we will pay you the benefit specified in Part C –
Benefit Limits – 1.9 Assault Requiring Hospital Admission. 
Conditions. 
If you want to claim under the cover available, you should provide us with
written advice from your treating medical adviser specifying the nature of your
injury; and a police report detailing the circumstances of the assault as this may
be the easiest way to provide proof of your claim. 
Section 2.1 Cancellation. 
2.1.1 What we cover: 
Unused arrangements, travel agents fees & rescheduling. 
If after you have met the eligibility criteria set out in Part A – Eligibility for
Cover, including having a return overseas travel ticket or you intend to obtain
a return overseas travel ticket before leaving Australia, and up until the end of
the period of cover available for your journey (where the claim is not covered
elsewhere in this International Travel Insurance), cover is available for: 
a]   any of the following events which are unexpected and unforeseen by you
and outside your control:

47 
•   you or your travel companion is seriously injured or becomes seriously
ill (including if you or your travel companion are positively diagnosed
as suffering a sickness recognised as an epidemic or pandemic, such as
COVID-19, which reasonably prevents you from travelling); 
•   you or your travel companion’s relative living in Australia dies, is seriously
injured or becomes seriously ill; 
•   you require medical attention relating to a pre-existing medical condition: 
−   that Allianz Global Assistance has confirmed in writing that cover is
available for under the group policy; or 
−   for which cover is available as specified in the section headed
PRE-EXISTING MEDICAL CONDITIONS THAT ARE COVERED
(SOME RESTRICTIONS APPLY), 
which prevents you from travelling; 
•   you are pregnant and before your departure from Australia, an
unexpected and unforeseen medical complication occurs (which is
confirmed in writing by a medical adviser) that prevents you from
travelling because such travel would be unsafe for your health or the
health of your unborn child however: 
−   no cover is available beyond the end of the 26th week of your
pregnancy (the 26th week of your pregnancy is calculated based
on your estimated date of delivery as confirmed in writing by your
obstetrician); or 
−   if you suffered complications in your pregnancy before you became
eligible for the cover available; 
•   your arranged travel is cancelled or delayed by the carrier because
of mechanical breakdown of your means of transport, riots, strikes,
civil commotion (but not an act of terrorism), weather conditions or
natural disasters; 
•   there is a natural disaster, or a natural disaster has recently happened or
is reasonably expected to happen either at your destination or at your or
your travel companion’s normal residence in Australia; 
•   a special event is cancelled or postponed; 
•   your or your travel companion’s travel documents are stolen or lost after
the purchase of your return overseas travel ticket; 
•   you or your travel companion are quarantined (except when arising from
an epidemic or pandemic); 
•   your or your travel companion’s home is totally destroyed;

48 
•   you or your travel companion are subpoenaed to attend court in Australia
(after having purchased your return overseas travel ticket) on a date
falling during the period of cover available for your journey; 
•   you or your travel companion are retrenched or made redundant
(not including voluntary retrenchment or voluntary redundancy); 
•   you or your travel companion having to sit exams during the period of
cover available for your journey, for studies either of you are undertaking,
provided that you or your travel companion had no prior knowledge of the
date of the exam before you obtained your return overseas travel ticket; 
•   your or your travel companion’s employer cancelling your or your travel
companion’s prearranged leave provided you or your travel companion
are a full time employee of the police, fire, ambulance, defence or
emergency services; 
•   you miss your arranged travel because your preceding flight was delayed
or cancelled; or 
b]   accidental death (but not sickness or illness) of any of the following
living overseas: 
•   spouse, fiancé, fiancée, parent, parent-in-law, step-parent, guardian; or 
•   child, stepchild, foster child, grandchild; or 
•   sister, sister-in-law, step-sister, brother, brother-in-law, step-brother. 
If you do not reschedule your journey. 
If you do not reschedule your travel arrangements, we will reimburse you the
non-refundable portion of unused travel and accommodation arrangements
scheduled to be used during the period of cover available for your journey that
you have paid in advance of cancellation and cannot recover in any other way,
inclusive of travel agent’s cancellation fees which are limited to the amount
specified in Part C – Benefit Limits – 2.1 Cancellation, up to the maximum total
limit specified in Part C – Benefit Limits – 2.1 Cancellation. 
If you reschedule your journey. 
If you reschedule your travel arrangements at the earliest possible opportunity
after the unexpected event listed above, we will at our option pay for either: 
a]   any part of your travel and accommodation arrangements scheduled to be
used during the period of cover available for your journey, (for which you
have previously paid but are unable to use and are non-refundable) that you
have rescheduled; or

49 
b]   the cost of a higher class of travel on the same type of means of transport
scheduled to be used during the period of cover available for your journey, or
increased seasonal rates for travel, if that is the only class or rate available. 
We will pay these costs minus the amount of any refundable part of your travel
arrangements that you rescheduled. 
Frequent flyer, airmiles, loyalty points & vouchers. 
For the value of frequent flyer points, air miles, loyalty card points, redeemable
vouchers or other similar schemes lost by you as a result of cancelling the
services paid for or obtained with those points, air miles, vouchers or schemes,
but only if you cannot recover your loss in any other way. We calculate the
amount we pay you as follows: 
c]   for frequent flyer points, air miles or loyalty card points: 
•   the cost of an equivalent booking based on the same advance booking
period as your original booking less any payment you made toward the
booking, multiplied 
•   by the total number of points or air miles lost, 
•   divided by the total number of points or air miles used to make the booking. 
d]   for vouchers, the face value of the voucher. If there is no face value on the
voucher we will pay the market value. 
Conditions. 
If you want to claim under the cover available, you should do the following
as soon as possible after the happening of the unexpected event causing
your claim: 
•   cancel any pre-arranged travel and accommodation scheduled to be used
during the period of cover available for your journey that you are now unable
to use; and 
•   recover any refund that you are entitled to. 
If you think that you may have to cancel your journey or shorten your journey
you should tell us as soon as possible – for more information see under the
heading Claims or call the contact number shown on the inside front cover of
this booklet. 
If you fail to cancel your pre-arranged travel and accommodation arrangements
and we are prejudiced by your delay or failure, we may reduce any amount
payable by the amount of prejudice we have suffered.

50 
2.1.2 What we exclude. 
To the extent permitted by law we will not pay your claim if: 
a]   you were aware, or a reasonable person in your circumstances would
have been aware before you became eligible for the cover available,
of any reason that may cause your journey to be cancelled, rescheduled
or shortened; 
b]   caused by you or your travel companion changing plans; 
c]   caused by any business, financial or contractual obligations which prevent
you or your travel companion from travelling. This exclusion does not
apply to claims where you or your travel companion are retrenched or
made redundant in Australia except where a reasonable person in a similar
situation would have been aware before you became eligible for cover that
the retrenchment or redundancy was to occur; 
d]   a tour operator or wholesaler is unable to complete arrangements for any
tour because there were not enough people to go on the tour. This exclusion
does not apply to prepaid travel arrangements bought separately to reach
the departure point for the tour or for other travel arrangements scheduled
to be used during the period of cover available for your journey, which do
not form part of the tour; 
e]   caused by any service provider misappropriating your funds or failing to
arrange or provide services for which you have paid; 
f]   caused by financial default or financial collapse of a services provider with
whom you make a booking or the financial default or financial collapse of
any company, organisation or person with whom they deal; 
g]   caused by an act of terrorism. 
Section 3.1 Additional expenses. 
3.1.1 What we cover. 
Additional travel & accommodation expenses due to your incapacity. 
a]   If you cannot continue your journey because of an injury, or sickness,
(including if you are positively diagnosed as suffering a sickness recognised
as an epidemic or pandemic, such as COVID-19) or pre-existing medical
condition that is covered by this insurance, which occurs during the
period of cover available for your journey and needs immediate treatment
from a medical adviser, we will reimburse your reasonable additional
accommodation and travel expenses.

51 
Emergency travel & accommodation expenses for a necessary companion. 
b]   If during the period of cover available for your journey, you are admitted
to hospital suffering from a life threatening or other serious condition
covered by this insurance we will reimburse the reasonable travel and
accommodation expenses for a relative or friend to travel to you, stay near
you or escort you. He or she must travel to you, stay near you or escort you
on the written advice of your treating medical adviser and with the prior
written approval of Allianz Global Assistance. Please contact Allianz Global
Assistance for approval of these costs. 
Additional travel & accommodation expenses due to   your travel
companion’s   incapacity. 
c]   If your travel companion cannot continue their journey because of an injury
or sickness (including if your travel companion is positively diagnosed
as suffering a sickness recognised as an epidemic or pandemic, such as
COVID-19) which occurs during the period of cover available for your
journey and which needs immediate treatment from a medical adviser,
we will reimburse your reasonable additional accommodation and travel
expenses for you to remain with your travel companion. Please contact
Allianz Global Assistance for approval of these costs. No cover is available
for a claim arising from any pre-existing medical condition of your
travel companion. 
Expenses due to   your   repatriation or evacuation   home . 
d]   If during the period of cover available, you shorten your journey and
return to your home due to a covered event on the advice of your treating
medical adviser and with the approval of Allianz Global Assistance, we
will reimburse the reasonable additional cost of your return to your home.
We will only pay the cost of the fare class that you had planned to travel
at and you must make use of any pre-arranged return travel to your home.
Please contact Allianz Global Assistance for approval of these costs. 
Repatriation of   dependants   left without supervision. 
e]   If your dependants are left without supervision following your hospital
admission or evacuation during the period of cover available for your
journey, we will pay the reasonable additional travel and accommodation
expenses incurred to return them to Australia, including the travel and
accommodation expenses of an escort if agreed to by Allianz Global
Assistance. Please contact Allianz Global Assistance for approval of
these costs.

52 
Additional travel & accommodation expenses due to specified events. 
f]   In addition, if during the period of cover available a disruption to your
journey arises from: 
•   your scheduled or connecting transport is cancelled, delayed,
rescheduled or diverted because of a strike, riot, hijack, civil protest,
weather, natural disaster or accident affecting your mode of transport; 
•   you unknowingly break any quarantine rule (but not a quarantine rule
applying to an epidemic or pandemic); 
•   you lose your passport, travel documents or transaction cards or they are
stolen; or 
•   your home being rendered uninhabitable by fire, explosion, earthquake
or flood, 
we will reimburse your reasonable additional travel and accommodation
expenses. Please contact Allianz Global Assistance for approval of
these costs. 
Whenever claims are made by you under this section and SECTION 2.1
CANCELLATION for cancelled services/facilities or alternative arrangements
for the same or similar services/facilities, we will pay for the higher of the two
amounts, not both. 
3.1.2 What we exclude. 
To the extent permitted by law, we will not pay your claim: 
a]   if you were aware, or a reasonable person in your circumstances would
have been aware, of any reason, before you became eligible for the period
of cover available, that may cause your journey to be cancelled, disrupted or
delayed; 
b]   arising from a pre-existing medical condition of you, your travel companion
or a relative except: 
•   if you satisfy the criteria as set out under the heading PRE-EXISTING
MEDICAL CONDITIONS THAT ARE COVERED (SOME RESTRICTIONS
APPLY) in the PRE-EXISTING MEDICAL CONDITIONS section in Part E –
The cover available; or 
•   as provided in the medical terms letter if Allianz Global Assistance
confirmed in writing that the pre-existing medical condition is covered by
the group policy.

53 
c]   if you can claim your additional travel and accommodation expenses from
anyone else; 
d]   if caused by any service provider misappropriating your funds or failing to
arrange or provide services for which you have paid; 
e]   for cancellations, delays, rescheduling or diversions to your scheduled or
connecting transport unless it is due to a strike, riot, hijack, civil protest,
weather, natural disaster or accident affecting your mode of transport; 
f]   if your claim arises directly or indirectly out of you operating a rental vehicle
in violation of the rental agreement. 
Section 3.2 Travel delay expenses. 
3.2.1 What we cover. 
If a delay to your journey, for at least six (6) consecutive hours, arises from
circumstances outside your control during the period of cover available,
we will reimburse the cost of your reasonable additional meals and
accommodation expenses. 
We will pay up to the amount specified in Part C – Benefit Limits – 3.2 Travel
Delay Expenses at the end of the initial six (6) consecutive hour period. 
3.2.2 What we exclude. 
We will not pay if a delay to your journey arises: 
a]   from an act of terrorism; or 
b]   due to the financial default or financial collapse of a services provider with
whom you make a booking or the financial default or financial collapse of
any company, organisation or person with whom they deal. 
Section 3.3 Alternative transport expenses. 
3.3.1 What we cover. 
If during the period of cover available for your journey, your journey is
interrupted by any unforeseen and unexpected cause outside of your control
and that means you would not arrive at a special event on time, we will pay
your reasonable additional travel expenses up to the amount specified in
Part C – Benefit Limits – 3.3 Alternative Transport Expenses to enable you to
arrive on time.

54 
3.3.2 What we exclude. 
To the extent permitted by law we will not pay if your scheduled transport is
cancelled, delayed, shortened or diverted: 
a]   due to an act of terrorism; or 
b]   due to the financial default or financial collapse of a service provider with
whom you make a booking or the financial default or financial collapse of
any company, organisation or person with whom they deal. 
Section 3.4 Return home & resumption of journey following death
of a relative. 
3.4.1 What we cover. 
a]   If, during the period of cover available for your journey, your relative who is
resident in Australia dies unexpectedly, we will reimburse the reasonable
additional cost of your early return to your home. We will only pay the cost
of the fare class you had planned to travel at. Please contact Allianz Global
Assistance for approval of these costs. 
b]   If during the period of cover available for your journey, you return to your
home because: 
•   a relative of yours who is resident in Australia dies unexpectedly; and 
•   it is possible for your journey to be resumed; and 
•   there is more than fourteen (14) consecutive days or twenty five per cent
(25%), whichever is the greater, remaining of the period of cover available
for your journey, as noted on your return overseas travel ticket; and 
•   you resume your journey within thirty (30) consecutive days of your return
to your home, 
we will reimburse you for airfares for you to return to the place you were
when your journey was interrupted. 
However, if the event causing your claim is due to your relative’s pre-existing
medical condition, we will reimburse your covered expenses up to the limit
specified in Part C – Benefit Limits – 3.4 Return Home & Resumption of Journey
following Death of a Relative provided that before you commenced your journey
a medical adviser had not diagnosed your relative as being terminally ill. 
The most we will pay under this sub-section is up to the limit shown in Part C –
Benefit Limits – 3.4 Return Home & Resumption of Journey following Death of
a Relative.

55 
Section 3.5 Domestic pets. 
3.5.1 What we cover. 
If your return home is delayed beyond the end date of the period of cover
available for your journey due to a covered event, that is not expected or
intended by you and is outside of your control and you incur additional boarding
kennel or boarding cattery fees for domestic dogs or cats owned by you, we
will reimburse you for the additional fees you incur up to the limit per day
specified in Part C – Benefit Limits – 3.5 Domestic Pets up to the maximum
total limit specified in Part C – Benefit Limits – 3.5 Domestic Pets. 
3.5.2 What we exclude. 
To the extent permitted by law we will not pay if your delay is due to an act
of terrorism. 
Section 3.6 Hijack. 
3.6.1 What we cover. 
If, during the period of cover available for your journey, control of the
transportation you are travelling in is seized by force or threat of force
by unauthorised persons and you are detained for more than twelve (12)
continuous hours by these persons using violence or threat of violence, we will
pay you the benefit per day specified in Part C – Benefit Limits – 3.6 Hijack up
to the maximum total limit specified in Part C – Benefit Limits – 3.6 Hijack. 
3.6.2 What we exclude. 
To the extent permitted by law we will not pay if your claim arises from an act
of terrorism. 
Section 3.7 Kidnap & ransom. 
3.7.1 What we cover. 
If, during the period of cover available for your journey, you are kidnapped,
we will reimburse you up to the limits specified in Part C – Benefit Limits – 3.7
Kidnap & Ransom for ransom paid to your abductors which results in your
release from kidnap.

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Conditions. 
You must make every reasonable effort to: 
•   minimise your loss; 
•   not disclose the existence of this insurance cover; 
•   immediately inform the appropriate authorities and conform with their
recommendations and instructions; 
•   advise us of the circumstances as soon as practicable; and 
•   keep identifying details (such as serial numbers) of any ransom exchanged for
your release. 
3.7.2 What we exclude. 
To the extent permitted by law we will not pay if you are kidnapped in the
countries or territorial waters of the United Mexican States, the Philippines,
Somalia or in any country (or their territorial waters) located in Central America
or South America, south of the border between the United Mexican States and
the United States of America. 
Section 4.1 Luggage. 
You must take all reasonable precautions to safeguard your covered items and
your valuables. If you do not, we will not pay your claim. For example, you will
not be taking reasonable precautions if you leave your belongings in a publicly
accessible location: 
•   at such a distance from you that you are unable to prevent them being taken; or 
•   with a person who is not a travel companion or a relative (or if these persons
fail to take all reasonable precautions to safeguard your covered items
or valuables). 
This includes forgetting or misplacing any items, leaving them behind or
walking away from them. 
4.1.1 What we cover. 
a]   If, during the period of cover available for your journey, the following
covered items or valuables: 
•   baggage, clothing or personal valuables; 
•   portable electrical equipment, laptop computers and associated
equipment/accessories, binoculars, cameras and associated
equipment/accessories;

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are stolen, accidentally damaged or are permanently lost, except when: 
•   left in a vehicle (see sub-section 4.1.1 b] below); or 
•   are valuables left in a vehicle or checked in to be transported in the cargo
hold of any aircraft, ship, train, tram or bus (see sub-section 4.1.1 c]
below); or 
•   is sporting equipment while in use (see sub-section 4.1.1 d] below). 
The amount we will pay (acting reasonably) will be the lesser of: 
•   the depreciated value after allowing for age, wear and tear
(see Depreciation on   page 92   for details); 
•   the original purchase price; 
•   the replacement cost; or 
•   the repair cost. 
We will not apply depreciation to any item we pay for where less
than twelve (12) consecutive months have elapsed since the item was
purchased new. 
The maximum amount we will pay for any item is: 
•   up to the item limit specified in Part C – Benefit Limits – 4.1 Luggage for
personal computers, video recorders or cameras; 
•   up to the item limit specified in Part C – Benefit Limits – 4.1 Luggage for
mobile phones (including PDAs and any items with phone capabilities); or 
•   up to the item limit specified in Part C – Benefit Limits – 4.1 Luggage for
all other items. 
A pair or related set of items, for example (but not limited to): 
•   a camera, lenses (attached or not), tripod and accessories; 
•   a matched or unmatched set of golf clubs, golf bag and buggy; or 
•   a matching pair of earrings, 
are considered as only one item for the purpose of this cover, and the
appropriate single item limit will be applied. 
b]   Covered items specified in 4.1.1 a] that are left in a vehicle during the
period of cover provided for your journey are only covered during daylight
hours and must have been left in a concealed storage compartment of a
locked vehicle, and in the event of theft forced entry must have been made.
The most we will pay is up to the total amount specified in Part C – Benefit
Limits – 4.1.1 b] Luggage for all covered items stolen from a locked vehicle.

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c]   No cover is available for valuables left in a vehicle at any time or valuables
checked in to be transported in the cargo hold of any aircraft, ship, train,
tram or bus including any loss from the point of check in until collection by
you from the baggage carousel or collection area at the end of your flight,
voyage or trip. However, cover will be available for loss theft or accidental
damage to laptops, tablets and mobile/smartphones when (without prior
notice) you are directed by the airline with whom you have a flight booking
to place the laptop, tablet or mobile/smartphone into your checked in
baggage or overhead cabin locker for the duration of your flight. 
d]   No cover is available for sporting equipment while it is in use. 
Conditions. 
If you make a claim, you will need to provide proof of your ownership and the
value of your belongings. Examples of proof include receipts and/or valuations
(e.g. receipt or valuation for jewellery). 
If you cannot prove the value of the items, the most we will pay for each
individual item is ten per cent (10%) of the limit shown for that type of item in
the Part C – Benefit Limits – 4.1 Luggage. 
We expect you to report any loss or theft to the police or an office of the bus
line, airline, shipping line or rail authority you were travelling on when the loss
or theft occurred. 
You should make reasonable efforts to obtain confirmation from whoever you
made the report to as this may be the easiest way to provide evidence of the
loss or theft. If you delay or fail to make a report and we are prejudiced by
your delay or failure, we may be entitled to reduce your claim by the amount of
prejudice we have suffered. 
If you are entitled to be reimbursed by the bus line, airline, shipping line or rail
authority you were travelling on when the loss, theft, misplacement or damage
occurred we will deduct the amount you are entitled to from any claim payable
by us. However, if you are not reimbursed the full amount of your loss, we
will pay the difference between the amount of your loss and what you were
reimbursed, up to the limit of the cover available.

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4.1.2 What we exclude. 
To the extent permitted by law, we will not pay a claim in relation to your
covered items and valuables if: 
a]   the loss, theft or damage is to, or of, covered items or valuables left behind
in any hotel or motel room after you have checked out, or items left behind
in any aircraft, ship, train, tram, taxi or bus; 
b]   the covered items or valuables were being sent unaccompanied by you or
under a freight contract; 
c]   the loss or damage arises from any process of cleaning, repair or alteration; 
d]   the loss or damage arises from ordinary wear and tear, deterioration,
atmospheric or weather conditions, insects, rodents or vermin; 
e]   the covered item or valuable disappears in circumstances that cannot be
explained to our reasonable satisfaction; 
f]   your claim arises from a government authority confiscating, detaining or
destroying anything; 
g]   you do not take all reasonable precautions to safeguard your covered items
or valuables. For example, you will not be taking reasonable precautions if
you leave your belongings in a publicly accessible location: 
•   at such a distance from you that you are unable to prevent them being
taken; or 
•   with a person who is not a travel companion or a relative (or if these
persons fail to take all reasonable precautions to safeguard your covered
items or valuables). 
This includes forgetting or misplacing any items, leaving them behind or
walking away from them; 
h]   the covered item or valuable has an inherent defect or an electrical or
mechanical breakdown; 
i]   the covered item or valuable is fragile or brittle or is an electrical
component and is broken unless the breakage was caused by theft, fire or
an accident involving a vehicle in which you were travelling; or 
j]   the loss or damage arises from scratches occurring to lenses or screens
of covered items or valuables however caused.

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Section 4.2 Travel documents, transaction cards & travellers
cheques. 
4.2.1 What we cover. 
If during the period of cover available for your journey: 
Re-issue or replacement cost. 
a]   any essential travel documents (including passports), transaction cards or
travellers cheques are lost by you, stolen from you or destroyed, then we
will pay the issuer’s fees or the replacement costs (including communication
costs) of the items lost, stolen or destroyed. 
Fraudulent use. 
b]   your transaction cards or travellers cheques are lost or stolen, then we will
pay for any loss resulting from the fraudulent use of the transaction cards
or travellers cheques. 
The most we will pay is up to the limit specified in Part C – Benefit Limits – 4.2
Travel Documents, Transaction Cards & Travellers Cheques. 
Conditions. 
We expect you to report any loss or theft to the police and, in the case of
transaction cards or travellers cheques, to the issuing bank or company in
accordance with the conditions under which the transaction cards or travellers
cheques were issued. 
You should make reasonable efforts to obtain confirmation from whoever you
made the report to as this may be the easiest way to provide evidence of the
loss or theft. If you delay or fail to make a report and we are prejudiced by
your delay or failure, we may be entitled to reduce your claim by the amount of
prejudice we have suffered. 
4.2.2 What we exclude. 
To the extent permitted by law, we will not pay: 
a]   if your loss arises from your failure to comply with the recommended
security guidelines for the use of travellers cheques or transaction cards; or 
b]   for any amounts covered by any guarantee given by the bank or issuing
company to you as the holder of the transaction cards or travellers cheques.

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Section 4.3 Luggage delay. 
4.3.1 What we cover. 
If during the period of cover available for your journey any of your covered items
are delayed, misdirected or misplaced by the carrier for more than twelve (12)
consecutive hours, we will reimburse you for the reasonable costs you incur for
you to purchase essential items of clothing or other personal items, up to the
amount specified in Part C – Benefit Limits – 4.3 Luggage Delay. 
Conditions. 
You will need to make reasonable efforts to obtain confirmation from the carrier
who was responsible for your covered items confirming that your items were
delayed, misdirected or misplaced as this may be the easiest way to provide
evidence of the delay. 
We will deduct any amount we pay you under this section from any subsequent
claim you make for lost covered items payable under SECTION 4.1 LUGGAGE. 
If you are entitled to be reimbursed by the bus line, airline, shipping line or rail
authority you were travelling on when the loss, theft, misplacement or damage
occurred we will deduct the amount you are entitled to from any claim payable
by us. 
However, if you are not reimbursed the full amount of your loss, we will pay the
difference between the amount of your loss and what you were reimbursed, up
to the limit of cover available. 
Section 5.1 Rental vehicle excess. 
Cover is only available under this section if your rental vehicle agreement
specifies an amount that is payable in the event the rental vehicle is damaged
or stolen while in your custody. 
This section does not cover items such as, but not limited to, tyres and/or
windscreens, roof and underbody if they are not covered by the indemnity
provided by the rental company or agency under the rental vehicle agreement
to which the amount payable applies.

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5.1.1 What we cover. 
If, during the period of cover available for your journey, a rental vehicle you have
rented from a rental company or agency is: 
•   involved in a motor vehicle accident while you are driving it; or 
•   damaged or stolen while in your custody, 
then we will pay you the lesser of: 
•   property damage for which you are liable; or 
•   the amount specified that you must pay under your rental vehicle agreement; or 
•   the limit shown in Part C – Benefit Limits – 5.1 Rental Vehicle Excess. 
Conditions. 
You will need to provide us with a copy of: 
•   your rental vehicle agreement; 
•   the incident report that was completed; 
•   repair account; 
•   an itemised list of the value of the damage; and 
•   written notice from the rental company or agency advising that you are liable
to pay the amount specified in your rental vehicle agreement. 
5.1.2 What we exclude. 
To the extent permitted by law, we will not pay for a claim that arises from,
or is for: 
a]   you using the rental vehicle in breach of the rental agreement; 
b]   you using the rental vehicle without a licence for the purpose that you were
using it (such as but not limited to the carrying of passengers or freight); or 
c]   administrative charges or fees of the rental company that are not a
component of the amount payable specified in your rental vehicle
agreement. 
Section 6.1 Personal liability. 
6.1.1 What we cover. 
If you become legally liable to pay compensation for negligently causing: 
•   death or bodily injury; or 
•   physical loss of, or damage to property,

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that happens during the period of cover available for your journey, then we
will cover you up to the limit shown in Part C – Benefit Limits – 6.1 Personal
Liability, for: 
•   the compensation (including legal costs) awarded against you; and 
•   any reasonable legal costs incurred by you for settling or defending a claim
made against you, provided you have approval in writing from Allianz Global
Assistance before incurring these costs. Please contact Allianz Global
Assistance to confirm approval for these costs. 
Conditions. 
We should be told as soon as you or your personal representatives are, or a
reasonable person in your circumstances would have been, aware of a possible
prosecution, inquest, fatality, accident or incident which might lead to a claim
against you. 
You should not pay or promise to pay, settle with, admit or deny liability to
anyone who makes a claim against you without our written consent. If you do,
we may reduce or refuse your claim to the extent we are prejudiced. 
6.1.2 What we exclude. 
To the extent permitted by law, we will not pay any amount you become legally
liable to pay if the liability arises directly or indirectly from, or is in any way
connected with, or is for: 
a]   bodily injury to you, your travel companion or to a relative or employee of
any of you; 
b]   loss of or damage to property belonging to you, or in your care, custody
or control (unless the property is a residence and you occupy it during
the period of cover available for your journey as a tenant or lessee,
or temporary guest); 
c]   your ownership, custody, control or use of any firearm or weapon; 
d]   your ownership, control or use of a motorised vehicle, an aircraft, or
a watercraft (other than a non-motorised watercraft used on inland
waterways) however, if you do not own or control the vehicle, aircraft
or watercraft and are only using it as a passenger, this exclusion does
not apply; 
e]   your conduct of, or employment in any business, profession, trade or
occupation

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f]   any loss, damage or expenses which are covered or should have been
covered under a statutory or compulsory insurance policy, or compensation
scheme or fund, or under Workers Compensation legislation, an industrial
award or agreement, or Accident Compensation legislation; 
g]   any fine or penalty, or aggravated, punitive, exemplary or liquidated
damages; 
h]   any relief or recovery from you other than monetary amounts; 
i]   a contract that imposes on you a liability which you would not otherwise have; 
j]   assault and/or battery committed by you or at your direction; 
k]   any act intended to cause bodily injury, property damage or liability done by
you or any person acting with your knowledge, connivance or consent. 
Overseas Transit Accident Insurance 
Part A – Eligibility for Cover. 
Not all insurance covers are available for all Westpac cards or all cardholders
and different conditions may also be available for different cardholders, so
please refer to each Part of this insurance to determine the complimentary
insurance benefits that may be available to you. 
Eligibility for the covers available depends upon the type of Westpac card
you have. 
Who is eligible? 
Level 1 Card and Level 2 Card cardholders are eligible for the cover available
under Overseas Transit Accident Insurance if the entire payment for the trip
was charged to the accountholder’s card account prior to the commencement of
the trip. 
Who else is eligible? 
If the cardholder is eligible for the cover available, the cardholder’s spouse
and/or dependants are also eligible provided: 
1.   the spouse and/or dependants reside in Australia; and 
2.   each of them is travelling with the cardholder on the entire trip; and 
3.   the entire payment for their trip was charged to the accountholder’s card
account prior to the commencement of the trip.

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Dependants under the age of two years at the date the
trip commences. 
If a cardholder satisfies the eligibility criteria set out above, their dependant
under the age of two (2) years as at the date the trip commences is eligible for
the cover available provided the dependant is travelling with the cardholder for
the entire trip. 
When a cardholder, spouse and dependant are travelling together only one
eligible person can claim the benefits payable to a cardholder. The other
eligible persons may only claim as a spouse or dependant. 
Part B – Period of Cover. 
Overseas Transit Accident Insurance provides cover when: 
a]   you board your transportation for your trip and ends when you disembark
from your transportation at the end of your trip; 
b]   boarding or alighting, being when you physically get on or off
transportation, at any airport, coach depot, railway station or dock during
your trip; and 
c]   travelling as a passenger in transportation directly to or from any airport,
coach depot, railway station or dock immediately before or after the
scheduled trip. 
Part C – Benefit Limits. 
The Aggregate Limit of Liability and the table below set out the maximum
limits of what we will pay under Overseas Transit Accident Insurance. All limits
and sub-limits are shown in Australian dollars. 
The cover available is outlined in Part E and is subject to the applicable terms,
conditions, exclusions, limits and sub-limits. 
Aggregate limit of liability. 
This Overseas Transit Accident Insurance contains an aggregate (maximum)
limit of liability for claims from all eligible cardholders, spouses and/or
dependants arising from the one event. 
The most we will pay under Overseas Transit Accident Insurance cover for
one event (e.g. a bus crash) is $1,300,000 for Level 1 Cards and Level 2 Cards
respectively.

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This means that regardless of the number of cardholders, spouses or
dependants involved in an event who suffer injury, we will pay each on
a proportional basis (using the amounts in the table appearing in Part C
– Benefit Limits) up to total of $1,300,000 for Level 1 Cards and up to a
total of $1,300,000 for Level 2 Cards with a maximum combined total limit
of $2,600,000. 
For example, if five Level 1 Card cardholders plus five Level 2 Card cardholders
lost their lives in the same bus crash, we would pay benefits, calculated
as follows: 
Level 1 cards. 
Five Level 1 Card cardholders: 
$750,000 each = $3,750,000; 
Total benefit amount: $3,750,000 
Dividing the total aggregate exposure ($1,300,000) by the total benefit amount
($3,750,000) determines the percentage (34.66%) to proportionally reduce
benefits to. 
In this case, the payable benefits would work out to be: 
Five Level 1 Card cardholders: 
$260,000 each = $1,300,000 
Total benefit amount payable: $1,300,000 
Level 2 cards. 
Five Level 2 Card cardholders: 
$750,000 each = $3,750,000; 
Total benefit amount: $3,750,000 
Dividing the total aggregate exposure ($1,300,000) by the total benefit amount
($3,750,000) determines the percentage (34.66%) to proportionally reduce
benefits to. 
In this case, the payable benefits would work out to be: 
Five Level 2 Card cardholders: 
$260,000 each = $1,300,000 
Total benefit amount payable: $1,300,000

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Maximum benefit amounts. 
The table below sets out the maximum Benefit Amounts we will pay under
Overseas Transit Accident Insurance if an aggregate limit of liability does not
apply (see above). 
Injury 
Benefit Amount 
Level 1 Cards 
and Level 2 Cards 
Loss of life   $750,000 
Loss of both hands or
loss of both feet 
$500,000 
Loss of one hand and
loss of one foot 
$500,000 
Loss of the entire sight
in both eyes 
$500,000 
Loss of the entire sight
in one eye and loss of
one hand and/or loss of
one foot 
$500,000 
Loss of one hand or loss
of one foot 
$250,000 
Loss of the entire sight
in one eye 
$250,000 
If an eligible cardholder, spouse and/or dependant sustains more than one
injury arising from an event, we will only pay for one injury, being the injury
suffered by the eligible cardholder, spouse and/or dependant which attracts
the highest Benefit Amount.

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Part D – Excess and Exclusions. 
Excess – what you contribute to a claim. 
No excess applies to any claim under Overseas Transit Accident Insurance. 
Exclusions. 
The exclusions below set out what is not covered. 
You should also read each section as they contain specific exclusions that
also apply. 
To the extent permitted by law we do not cover you for any loss, damage or
expense caused by, arising from, or in any way related to: 
1.   your loss of enjoyment; loss of opportunity; loss of revenue; loss of profits
or loss of goodwill; 
2.   you booking or taking travel against medical advice, travel for the purpose
of getting medical treatment or advice, or travel taken after a medical
adviser informs you that you are terminally ill; 
3.   your intentional self harm or your suicide or your attempted suicide; 
4.   illegal or criminal acts by you, your spouse, your dependants or any other
person acting with your consent or under your direction; 
5.   you failing to take reasonable care; 
6.   your travel in any air supported device other than as a passenger in a fully
licensed aircraft operated by an airline; 
7.   your participation as a crew member or pilot of any transportation; 
8.   any act of terrorism; 
9.   any act of war, whether war is declared or not, or from any rebellion,
revolution, insurrection or taking of power by the military; 
10.   a nuclear reaction or contamination from nuclear weapons or radioactivity; 
11.   biological and/or chemical materials, substances, compounds or the like
used directly or indirectly for the purpose of harming or to destroy human
life and/or create public fear; 
12.   providing cover or being liable to pay any claim or provide any benefit
(including a refund on premium) hereunder to the extent that the provision
of such cover, payment of such claim or provision of such benefit would
contravene or otherwise expose us to the risk of any penalty, sanction,
prohibition or restriction under United Nations resolutions or the trade
or economic sanctions, laws or regulations of Australia, New Zealand,
the European Union, United Kingdom or United States of America.

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Part E – The cover available. 
What we cover. 
If, during the period of cover available, you suffer an accident that causes an
injury listed in Part C – Benefit Limits within twelve (12) consecutive months
of the accident, we will pay you the Benefit Amount (unless reduced by the
group policy aggregate limit of liability) specified for the injury listed in Part C –
Benefit Limits, that you suffered. 
In addition, if during a trip: 
a]   you are unavoidably exposed to the elements due to an accident which
results in the disappearance, sinking or wrecking of the transportation in
which you were travelling and as a result of such exposure you suffer an
injury for which a Benefit Amount (unless reduced by the group policy
aggregate limit of liability) is payable; 
b]   you disappear due to an accident which results in the disappearance,
sinking or wrecking of the transportation in which you were travelling and
your body has not been found within twelve (12) consecutive months after
the date of such accident, it will be presumed, subject to there being no
evidence to the contrary, that you died, 
we will pay the applicable Benefit Amount (unless reduced by the group policy
aggregate limit of liability) listed in Part C – Benefit Limits to you, or to your
estate in the case of your death. 
If you suffer more than one injury as a result of the accident we will pay you
no more than the specified Benefit Amount for the most serious injury listed in
Part C – Benefit Limits that you suffered. 
Interstate Flight Inconvenience Insurance 
Not all insurance covers are available for all Westpac cards or all cardholders
and different conditions may also be available for different cardholders,
so please refer to each Part of this insurance to determine the complimentary
insurance benefits that may be available to you. 
Part A – Eligibility for Cover. 
Eligibility for the covers available depends upon the type of Westpac card
you have.

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Who is eligible? 
As a cardholder with a Level 1 Card or Level 2 Card you are eligible for the
cover available if: 
1.   you reside in Australia; and 
2.   the entire cost of the return interstate flight (excluding taxes and airport
and travel agent charges) is charged to the accountholder’s card account
prior to commencing the journey. 
Who else is eligible? 
If the cardholder is eligible for the cover available, the cardholder’s spouse and
dependants are also eligible provided: 
1.   the spouse and/or dependants reside in Australia; and 
2.   the entire cost of the spouse and/or dependant(s) return interstate flight
(excluding taxes and airport and travel agent charges) is charged to the
accountholder’s card account prior to commencing the journey; and 
3.   the spouse and/or dependants are travelling with the cardholder for at least
fifty per cent (50%) of the period of cover available to the cardholder for the
cardholder’s journey. 
Dependants under the age of two years at the date the journey
commences. 
If a cardholder satisfies the eligibility criteria set out above, their dependant
under the age of two (2) years as at the date the journey commences is eligible
for the cover provided the dependant is travelling with the cardholder for at
least fifty per cent (50%) of the period of cover available to the cardholder for
the cardholder’s journey. 
No cover is available for dependants born on the journey. 
When a cardholder, spouse and dependant are travelling together only one
eligible person can claim the benefits payable to a cardholder. The other
eligible persons may only claim as a spouse or dependant.

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Part B – Period of Cover. 
The period of cover available under SECTION 1.1 CANCELLATION begins on
the date you become eligible for cover by meeting the eligibility criteria set out
in Part A – Eligibility for Cover. 
Provided you meet the eligibility criteria set out in Part A – Eligibility for Cover,
the period of cover available for all other insured events commences when you
leave your home to start your journey or on the departure date shown on your
interstate flight ticket, whichever is the later. 
Cover under all sections ends when the first of the following occurs: 
a]   when you return to your home from the airport shown on your return
interstate flight ticket; or 
b]   you cancel your return interstate flight ticket; or 
c]   fourteen (14) consecutive days after your journey starts. 
Part C – Benefit Limits. 
The table below sets out the maximum limits of what we will pay under each
section of Interstate Flight Inconvenience Insurance. 
The cover available is outlined in Part E and is subject to the applicable terms,
conditions, exclusions, limits and sub-limits. 
If you need advice in respect of your particular circumstances or needs please
consult an appropriately licensed insurance adviser. 
Section   Limit 
1.1 Cancellation   $3,000 maximum total limit 
2.1 Flight Delay   4 hours or more, $125 per person up to a maximum
total limit of $500 
3.1 Luggage   Up to $500 for each item up to a maximum total
limit of $1,500 
3.2 Luggage Delay   12 hours or more, $125 per person charged to the
card account, up to a maximum total limit of $500 
4.1 Funeral expenses   Up to $2,500 per person up to a maximum total
limit of $5,000

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Part D – Excesses and General Exclusions. 
Excesses – what you contribute to a claim. 
You must pay the following excess amounts for each claim made under the
following covers even if a number of claims are submitted on the one claim
form. However, if you make more than one claim as the result of a single event,
the highest excess will apply but will only apply once. 
Section   Excess amount 
1.1 Cancellation   $300 
2.1 Flight Delay   Nil 
3.1 Luggage   $300 
3.2 Luggage Delay   Nil 
4.1 Funeral expenses   Nil 
General exclusions. 
The general exclusions below set out what is not covered. 
You should also read each section as they contain specific exclusions that may
also apply. 
To the extent permitted by law we do not cover you for any loss, damage or
expense caused by, arising from or in any way related to: 
1.   your loss of enjoyment; loss of opportunity; loss of revenue; loss of profits
or loss of goodwill; 
2.   any pre-existing medical condition of yours, or of a relative, or of a travel
companion; 
3.   you booking or taking travel against medical advice, travel for the purpose
of getting medical treatment or advice, or travel taken after a medical
adviser informs you that you are terminally ill; 
4.   your intentional self harm or your suicide or your attempted suicide; 
5.   your use of alcohol or drugs or any transmissible disease as a result of
giving or taking a drug, unless the use of the drug is supervised by a
medical adviser;

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6.   your travel in any air supported device other than as a passenger in: 
•   a fully licensed aircraft operated by an airline or charter company; or 
•   a regulated or licensed hot air balloon; 
7.   your participation in any dangerous activities or your exposure of yourself to
danger during your journey unless in an attempt to preserve your life or the
life of another person, and includes but is not limited to activities such as: 
•   scuba diving unless you hold an open water diving certificate or are diving
with a qualified and registered diving instructor; 
•   mountaineering or rock climbing requiring the use of ropes and/or
climbing equipment, racing (other than amateur racing on foot), white
water rafting, white water boating, abseiling, parasailing, skydiving, hang
gliding, base jumping, bungy jumping, pot holing, canyoning, caving,
fire walking, running with the bulls, rodeo riding, polo playing, hunting,
shooting, archery, tobogganing, water skiing, jet skiing, off-piste snow
skiing, off-piste snowboarding, snowmobiling or any other similar activity; 
•   any kind of training for, coaching or competing in any sporting event
where you are entitled to receive, or are eligible to receive, an appearance
fee, wage, salary or prize money in excess of $1,000; and 
•   quad bike or motorcycle riding during your journey unless it involves
you only driving a motorcycle, with an engine capacity of 200cc or less,
for which you hold a valid motorcycle licence; 
8.   illegal or criminal acts by you, your spouse, your dependants or any other
person acting with your consent or under your direction; 
9.   your participation as a crew member or pilot of any transportation; 
10.   the injury, illness or death of any person who is aged 80 years or
over at the time you become eligible for cover under Interstate Flight
Inconvenience Insurance; 
11.   any interference with your travel plans by any government, government
regulation or prohibition or intervention or official authority; 
12.   your failure to take reasonable care; 
13.   any epidemic or pandemic; 
14.   any act of war, whether war is declared or not, or from any rebellion,
revolution, insurrection or taking of power by the military; 
15.   a nuclear reaction or contamination from nuclear weapons or radioactivity;

74 
16.   biological and/or chemical materials, substances, compounds or the like
used directly or indirectly for the purpose of harming or to destroy human
life and/or create public fear; 
17.   providing cover or being liable to pay any claim or provide any benefit
(including a refund on premium) hereunder to the extent that the provision
of such cover, payment of such claim or provision of such benefit would
contravene or otherwise expose us to the risk of any penalty, sanction,
prohibition or restriction under United Nations resolutions or the trade or
economic sanctions, laws or regulations of Australia, New Zealand, the
European Union, United Kingdom or United States of America. 
Part E – The cover available. 
Section 1.1 Cancellation. 
1.1.1 What we cover: 
If, after you have obtained your interstate flight ticket and up until the end of
the period of cover available for your journey (where the claim is not covered
elsewhere in this insurance) and because of any of the following events which
are unexpected and unforeseen by you and outside your control: 
•   you, your travel companion or a relative dies, is seriously injured or becomes
seriously ill (except arising from a pre-existing medical condition); 
•   your arranged travel is cancelled or delayed by the carrier because of
unexpected natural disasters; 
•   you are quarantined (except arising from an epidemic or pandemic); 
•   your home is totally destroyed; 
•   you are subpoenaed to attend court in Australia (after having purchased your
interstate flight ticket) on a date falling during the period of cover available
for your journey; 
•   you are retrenched or made redundant (not including voluntary retrenchment
or voluntary redundancy), 
then we will reimburse you: 
a]   the non-refundable portion of unused travel and accommodation
arrangements scheduled to be used during the period of cover available
for your journey that you have paid in advance of cancellation and cannot
recover in any other way (inclusive of travel agent’s cancellation fees),
up to the maximum total limit specified in Part C – Benefit Limits – 1.1
Cancellation; or

75 
b]   your reasonable costs of rescheduling your journey. The most we will pay
for rescheduling your journey is the unrecoverable amount that would have
been payable under 1.1.1 a] had your journey been cancelled. We will not
pay a claim under 1.1.1 b] in addition to a claim under 1.1.1 a] for the same
services/facilities. 
Conditions. 
If you want to claim under the cover available, you should do the following as
soon as possible after the happening of the unexpected event causing your claim: 
•   cancel any pre-arranged travel and accommodation scheduled to be used
during the period of cover available for your journey that you are now unable
to use; and 
•   recover any refund that you are entitled to. 
If you think that you may have to cancel your journey or shorten your journey
you should tell us as soon as possible – for more information see under the
headings CLAIMS or call the contact number shown on the inside front cover of
this booklet. 
If you fail to cancel your pre-arranged travel and accommodation arrangements
and we are prejudiced by your delay or failure, we may reduce any amount
payable by the amount of prejudice we have suffered. 
1.1.2 What we exclude. 
To the extent permitted by law we will not pay your claim if: 
a]   you were aware, or a reasonable person in your circumstances would have
been aware before you became eligible for the cover available, of any reason
that may cause your journey to be cancelled, rescheduled or shortened; 
b]   caused by you or your travel companion changing your plans; 
c]   caused by any business, financial or contractual obligations which prevent
you or your travel companion from travelling. This exclusion does not
apply to claims where you or your travel companion are retrenched or
made redundant in Australia except where a reasonable person in a similar
situation would have been aware before you became eligible for cover that
the retrenchment or redundancy was to occur; 
d]   a tour operator or wholesaler is unable to complete arrangements for any
tour because there were not enough people to go on the tour. This exclusion
does not apply to prepaid travel arrangements bought separately to reach
the departure point for the tour or for other travel arrangements scheduled
to be used during the period of cover available for your journey, which do 
not form part o f the tour;

76 
e]   caused by any service provider misappropriating your funds or failing to
arrange or provide services for which you have paid; 
f]   caused by financial default or financial collapse of a service provider with
whom you make a booking or the financial default or financial collapse of
any company, organisation or person with whom they deal. 
Section 2.1 Flight delay. 
2.1.1 What we cover. 
If during the period of cover available for your journey, the departure of your
interstate flight, is delayed for the period specified in Part C – Benefit Limits –
2.1 Flight Delay, due to circumstances outside your control and no alternative
transport is provided by the carrier, we will reimburse the cost of your
reasonable additional meal and accommodation expenses, up to the amount
specified in Part C – Benefit Limits – 2.1 Flight Delay. 
2.1.2 What we exclude. 
We will not pay if a delay to your journey arises from an act of terrorism. 
Section 3.1 Luggage. 
You must take all reasonable precautions to safeguard your covered items and
your valuables. If you do not, we will not pay your claim. For example, you will
not be taking reasonable precautions if you leave your belongings in a publicly
accessible location: 
•   at such a distance from you that you are unable to prevent them being taken; or 
•   with a person who is not a travel companion or a relative (or if these persons
fail to take all reasonable precautions to safeguard your covered items
or valuables). 
This includes forgetting or misplacing any items, leaving them behind or
walking away from them. 
3.1.1 What we cover. 
a]   If, during the period of cover available for your journey, your: 
•   baggage, clothing; or 
•   portable electrical equipment, binoculars, cameras and associated
equipment/accessories (but not any other valuables), 
are stolen, accidentally damaged or are permanently lost, except when: 
•   left in a vehicle (see 3.1.1 b]); or

77 
•   are valuables checked in to be transported in the cargo hold of any
aircraft, ship, train, tram or bus (see 3.1.1 c]); or 
•   is sporting equipment while in use (see 3.1.1 d]). 
The amount we will pay (acting reasonably) will be the lesser of: 
•   the depreciated value after allowing for age, wear and tear
(see Depreciation on   page 92   for details); 
•   the original purchase price; 
•   the replacement cost; or 
•   the repair cost. 
We will not apply depreciation to any item we pay you for where less
than twelve (12) consecutive months have elapsed since the item was
purchased new. 
The maximum amount we will pay for any item is up to the item limit
specified in Part C – Benefit Limits – 3.1 Luggage and the maximum total
limit specified in Part C – Benefit Limits – 3.1 Luggage for all items combined. 
A pair or related set of items, for example (but not limited to) a camera,
lenses (attached or not), tripod and accessories are considered as only one
item for the purpose of this cover, and the appropriate single item limit will
be applied. 
b]   Items specified in 3.1.1 a] that are left in a vehicle are only covered
during daylight hours and must have been left in a concealed storage
compartment of a locked vehicle, and in the event of theft forced entry
must have been made. The most we will pay is up to the amount specified
in Part C – Benefit Limits – 3.1 Luggage for each item stolen from a vehicle,
and up to the total amount specified in Part C – Benefit Limits – 3.1
Luggage for all items stolen from a vehicle. 
c]   No cover is available for valuables left in a vehicle at any time or valuables
checked in to be transported in the cargo hold of any aircraft, ship, train,
tram or bus including any loss from the point of check in until collection by
you from the baggage carousel or collection area at the end of your flight,
voyage or trip. However, cover will be available for loss theft or accidental
damage to tablets and mobile/smartphones (but not any other valuables)
when (without prior notice) you are directed by the airline with whom you
have a flight booking to place the tablet or mobile/smartphone into your
checked in baggage or overhead cabin locker for the duration of your flight. 
d]   No cover is available for sporting equipment while it is in use.

78 
Conditions. 
If you make a claim, you will need to provide proof of your ownership and the
value of your belongings. Examples of proof include receipts and/or valuations
(e.g. receipt or valuation for jewellery). 
If you cannot prove the value of the items, the most we will pay for each
individual item is ten per cent (10%) of the limit shown for that type of item in
the Part C – Benefit Limits – 3.1 Luggage. 
We expect you to report any loss or theft to the police or an office of the bus
line, airline, shipping line or rail authority you were travelling on when the loss
or theft occurred. 
You should make reasonable efforts to obtain confirmation from whoever you
made the report to as this may be the easiest way to provide evidence of the
loss or theft. If you delay or fail to make a report and we are prejudiced by
your delay or failure, we may be entitled to reduce your claim by the amount of
prejudice we have suffered. 
If you are entitled to be reimbursed by the bus line, airline, shipping line or rail
authority you were travelling on when the loss, theft, misplacement or damage
occurred we will deduct the amount you are entitled to from any claim payable
by us. However, if you are not reimbursed the full amount of your loss, we
will pay the difference between the amount of your loss and what you were
reimbursed, up to the limit of the cover available. 
3.1.2 What we exclude. 
To the extent permitted by law, we will not pay a claim in relation to your items
(including valuables) if: 
a]   the loss, theft or damage is to, or of, items left behind in any hotel or motel
room after you have checked out, or items left behind in any aircraft, ship,
train, tram, taxi or bus; 
b]   the covered items or valuables were being sent unaccompanied by you or
under a freight contract; 
c]   the loss or damage arises from any process of cleaning, repair or alteration; 
d]   the loss or damage arises from ordinary wear and tear, deterioration,
atmospheric or weather conditions, insects, rodents or vermin; 
e]   the covered item or valuable disappears in circumstances that cannot be
explained to our reasonable satisfaction; 
f]   your claim arises from a government authority confiscating, detaining or 
destroying any thing;

79 
g]   you do not take all reasonable precautions to safeguard your covered items
or valuables. For example, you will not be taking reasonable precautions if
you leave your belongings in a publicly accessible location: 
•   at such a distance from you that you are unable to prevent them being
taken; or 
•   with a person who is not a travel companion or a relative (or if these
persons fail to take all reasonable precautions to safeguard your covered
items or valuables). 
This includes forgetting or misplacing any items, leaving them behind or
walking away from them; 
h]   the covered item or valuable has an inherent defect or an electrical or
mechanical breakdown; 
i]   the covered item or valuable is fragile or brittle or is an electrical
component and is broken unless the breakage was caused by theft, fire or
an accident involving a vehicle in which you were travelling; or 
j]   the loss or damage arises from scratches occurring to lenses or screens of
covered items or valuables however caused. 
Section 3.2 Luggage delay. 
3.2.1 What we cover. 
If during the period of cover available for your journey, any items of your
baggage, clothing and personal valuables are delayed, misdirected or
misplaced by the carrier for more than twelve (12) consecutive hours, we will
reimburse you for the reasonable costs you incur for you to purchase essential
items of clothing or other personal items, up to the limit shown in Part C –
Benefit Limits – 3.2 Luggage Delay. 
Conditions. 
You will need to make reasonable efforts to obtain confirmation from the carrier
who was responsible for your luggage and personal effects confirming that
your items were delayed, misdirected or misplaced as this may be the easiest
way to provide evidence of the delay. 
We will deduct any amount we pay you under this section from any
subsequent claim you make for lost clothing or personal items payable under
SECTION 3.1 LUGGAGE.

80 
If you are entitled to be reimbursed by the bus line, airline, shipping line or
rail authority you were travelling on when the loss, theft, misplacement or
damage occurred we will deduct the amount you are entitled to from any claim
payable by us. However, if you are not reimbursed the full amount of your loss,
we will pay the difference between the amount of your loss and what you were
reimbursed, up to the limit of the cover available. 
Section 4.1 Funeral expenses. 
4.1.1 What we cover. 
If you die as a result of an injury occurring during the period of cover
available for your journey we will pay your reasonable funeral expenses or
the cost of repatriation of your remains to your home or nominated funeral
home (if necessary) up to the amount specified in Part C – Benefit Limits –
4.1 Funeral Expenses. 
Rental Vehicle Excess in Australia Insurance 
Part A – Eligibility for Cover. 
Not all insurance covers are available for all Westpac cards or all cardholders
and different conditions may also be available for different cardholders,
so please refer to each Part of this insurance to determine the complimentary
insurance benefits that may be available to you. 
Eligibility for the cover available depends upon the type of Westpac card
you have. 
Who is eligible? 
Level 1 Card and Level 2 Card cardholders are eligible when the entire payment
for the vehicle rental was charged to the accountholder’s card account. 
Part B – Period of Cover. 
The cover available begins when you collect the rental vehicle from the
rental vehicle company or agency you have entered into a rental vehicle
agreement with and ends when you return the rental vehicle to the rental
vehicle company or agency or the expiry of the rental vehicle agreement,
whichever occurs earlier.

81 
Part C – Benefit Limits. 
The table sets out the maximum limits of what we will pay under Rental
Vehicle Excess in Australia Insurance. 
Please read the entire booklet to ensure that the covers, limits and benefits
meet your requirements. 
If you need advice in respect of your particular circumstances or needs please
consult an appropriately licensed insurance adviser. 
Card   Limit 
Level 1 Card
and Level 2 Cards 
Maximum total limit of up to the amount specified
in your rental vehicle agreement or $5,500,
whichever is the lesser. 
Part D – Excess and Exclusions. 
Excess – what you contribute to a claim. 
An excess of $300 applies to each claim payable under Rental Vehicle Excess
in Australia Insurance. 
You must pay the excess amount for each claim made even if a number of
claims are submitted on the one claim form. 
Exclusions. 
The exclusions below set out what is not covered. 
You should also read each section as they contain specific exclusions that
also apply. 
To the extent permitted by law we do not cover you for any loss, damage or
expense caused by, arising from, or in any way related to: 
1.   you using the rental vehicle in breach of the rental vehicle agreement; 
2.   you using the rental vehicle without a licence for the purpose that you were
using it; (such as but not limited to the carrying of fare paying passengers or
the carrying of freight); 
3.   administrative charges or fees of the rental company that are not a
component of the amount that is specified in your rental vehicle agreement;

82 
4.   your claim is for consequential loss of any kind including loss of enjoyment; 
5.   you booking or taking travel against medical advice, travel for the purpose
of getting medical treatment or advice, or travel taken after a medical
adviser informs you that you are terminally ill; 
6.   your intentional self harm or your suicide or your attempted suicide; 
7.   the effect of or your chronic use of alcohol or drugs or any transmissible
disease as a result of giving or taking a drug, unless the use of the drug is
supervised by a medical adviser; 
8.   any act of terrorism; 
9.   any act of war, whether war is declared or not, or from any rebellion,
revolution, insurrection or taking of power by the military; 
10.   a nuclear reaction or contamination from nuclear weapons or radioactivity; 
11.   biological and/or chemical materials, substances, compounds or the like
used directly or indirectly for the purpose of harming or to destroy human
life and/or create public fear; 
12.   providing cover or being liable to pay any claim or provide any benefit
(including a refund on premium) hereunder to the extent that the provision
of such cover, payment of such claim or provision of such benefit would
contravene or otherwise expose us to the risk of any penalty, sanction,
prohibition or restriction under United Nations resolutions or the trade or
economic sanctions, laws or regulations of Australia, New Zealand, the
European Union, United Kingdom or United States of America. 
Part E – The cover available. 
Cover is only available if your rental vehicle agreement specifies an amount that is
payable in the event the rental vehicle is damaged or stolen while in your custody. 
This section does not cover items such as, but not limited to, tyres and/or
windscreens, roof and underbody if they are not covered by the indemnity
provided by the rental company or agency under the rental vehicle agreement
to which the amount payable applies. 
What we cover. 
If, during the period of cover available, a rental vehicle you have rented from a
rental company or agency is: 
•   involved in a motor vehicle accident while you are driving it; or 
•   damaged or stolen while in your custody,

83 
then we will pay you the lesser of: 
•   property damage for which you are liable; or 
•   the amount specified that you must pay under your rental vehicle agreement;
or 
•   the limit shown in Part C – Benefit Limits. 
Conditions. 
If you make a claim you must provide a copy of: 
•   your rental vehicle agreement; 
•   the incident report that was completed; 
•   repair account; 
•   an itemised list of the value of the damage; and 
•   written notice from the rental company or agency advising that you are liable
to pay the amount specified in your rental vehicle agreement. 
Purchase Protection Insurance 
Part A – Eligibility for Cover. 
Not all insurance covers are available for all Westpac cards or all cardholders
and different conditions may also be available for different cardholders,
so please refer to each Part of this insurance to determine the limits of the
complimentary insurance benefits that may be available to you. 
Eligibility for the cover available depends upon the type of Westpac card
you have. 
Who is eligible? 
Level 1 Card and Level 2 Card cardholders are eligible for Purchase Protection
Insurance for covered items or valuables: 
•   purchased anywhere in the world; or 
•   given as a gift to any permanent Australian resident, 
provided the whole purchase price of the covered item is charged to the
accountholder’s card account.

84 
Part B – Period of Cover. 
Purchase Protection Insurance applies to covered items and valuables after
the date that you take possession of the covered item or valuable when the full
purchase price of the covered item or valuable is charged to the accountholder’s
card account. The following maximum period of cover is available for your
covered items and valuables. 
Card   Period of Cover 
Level 1 Cards
and Level 2 Cards 
Four (4) consecutive months for purchases made with
Level 1 Cards and Level 2 Cards 
Part C – Benefit Limits. 
The table sets out the maximum limits of what we will pay under Purchase
Protection Insurance. All limits and sub-limits in the table below are shown in
Australian dollars. 
The cover available is outlined in Part E and is subject to the applicable terms,
conditions, exclusions, limits and sub-limits. 
If you need advice in respect of your particular circumstances or needs please
consult an appropriately licensed insurance adviser. 
Card   Limit 
Level 1 Cards
and Level 2 Cards 
Purchase price charged to card account limited to
$10,000 per covered item or valuable except for
jewellery watches and new works of art which are
limited to $3,500 per claim. Maximum total limit of all
claims in any twelve (12) month period is $135,000. 
Part D – Excess and Exclusions. 
Excess – what you contribute to a claim. 
An excess of $300 applies to each claim payable under Purchase Protection
Insurance. 
You must pay the excess amount for each claim made even if a number of
claims are submitted on the one claim form.

85 
Exclusions. 
The exclusions below set out what is not covered. 
You should also read each section as they contain specific exclusions that
also apply. 
To the extent permitted by law we do not cover you for any loss, damage or
expense caused by, arising directly or indirectly from or in any way related to: 
1.   the loss, theft or damage to, or of, items left behind in any hotel or motel
room after you have checked out, or items left behind in any aircraft, ship,
train, tram, taxi or bus; 
2.   covered items or valuables being sent unaccompanied by you or under a
freight contract; 
3.   loss or damage arising from any process of cleaning, repair or alteration; 
4.   loss or damage arising from ordinary wear and tear, deterioration,
atmospheric or weather conditions, insects, rodents or vermin; 
5.   the disappearance of covered items or valuables in circumstances that
cannot be explained to our reasonable satisfaction; 
6.   your claim arising from a government authority confiscating, detaining or
destroying anything; 
7.   you not taking all reasonable precautions to safeguard your covered items
or valuables. For example, you will not be taking reasonable precautions if
you leave your belongings in a publicly accessible location: 
•   at such a distance from you that you are unable to prevent them being
taken; or 
•   with a person who is not a travel companion or a relative (or these
persons fail to take all reasonable precautions to safeguard your covered
items or valuables). 
This includes forgetting or misplacing any items, leaving them behind or
walking away from them; 
8.   the covered item or valuable having an electrical or mechanical
breakdown. 
9.   any act of war, whether war is declared or not, or from any rebellion,
revolution, insurrection or taking of power by the military; 
10.   a nuclear reaction or contamination from nuclear weapons or radioactivity;

86 
11.   biological and/or chemical materials, substances, compounds or the like
used directly or indirectly for the purpose of harming or to destroy human
life and/or create public fear; 
12.   providing cover or being liable to pay any claim or provide any benefit
(including a refund on premium) hereunder to the extent that the provision
of such cover, payment of such claim or provision of such benefit would
contravene or otherwise expose us to the risk of any penalty, sanction,
prohibition or restriction under United Nations resolutions or the trade
or economic sanctions, laws or regulations of Australia, New Zealand,
the European Union, United Kingdom or United States of America; 
13.   illegal or criminal acts by you, your spouse, your dependants or any other
person acting with your consent or under your direction; 
14.   your failure to take reasonable care. 
Part E – The cover available. 
You must take all reasonable precautions to safeguard your covered items and
your valuables. If you do not, we will not pay your claim. For example, you will
not be taking reasonable precautions if you leave your covered items or your
valuables in a publicly accessible location: 
•   at such a distance from you that you are unable to prevent them being taken;
or 
•   with a person who is not a travel companion or a relative (or if these persons
fail to take all reasonable precautions to safeguard your covered items and
your valuables). 
This includes forgetting or misplacing any items, leaving them behind or
walking away from them. 
What we cover. 
If during the period of cover available, your covered item or valuable is stolen,
accidentally damaged or permanently lost, except when: 
•   left in a vehicle; or 
•   are valuables checked in to be transported in the cargo hold of any aircraft,
ship, train, tram or bus; or 
•   is sporting equipment while in use,

87 
we will pay the lesser of: 
a]   the original purchase price charged to the accountholder’s card account up
to the limit specified in Part C – Benefit Limits; or 
b]   the limit per claim specified in Part C – Benefit Limits in respect of
jewellery, watches and new works of art. 
The most we will pay in any twelve (12) month period in respect of any one
card account is the maximum total limit specified in Part C – Benefit Limits. 
Conditions. 
If you make a claim, you will need to provide proof of your ownership and the
value of your belongings. Examples of proof include receipts and/or valuations
(e.g. receipt or valuation for jewellery). 
We expect you to report any loss or theft to the police or an office of the bus
line, airline, shipping line or rail authority you were travelling on when the loss
or theft occurred. 
You should make reasonable efforts to obtain confirmation from whoever you
made the report to as this may be the easiest way to provide evidence of the
loss or theft. If you delay or fail to make a report and we are prejudiced by
your delay or failure, we may be entitled to reduce your claim by the amount
of prejudice we have suffered. 
If you are entitled to be reimbursed by the bus line, airline, shipping line or
rail authority you were travelling on when the loss, theft, misplacement or
damage occurred we will deduct the amount you are entitled to from any claim
payable by us. However, if you are not reimbursed the full amount of your loss,
we will pay the difference between the amount of your loss and what you were
reimbursed, up to the limit of the cover available. 
Extended Warranty Insurance 
Part A – Eligibility for Cover. 
Not all insurance covers are available for all Westpac cards or all cardholders
and different conditions may also be available for different cardholders, so
please refer to each section of this booklet to determine the complimentary
insurance benefits that may be available to you. 
Eligibility for the cover available depends upon the type of Westpac card
you have.

88 
Who is eligible? 
Level 1 Card and Level 2 Card cardholders are eligible for Extended Warranty
Insurance when the whole purchase price of the covered product is charged
to the accountholder’s card account. This Extended Warranty Insurance is
not transferable. 
Part B – Period of Cover. 
Cover applies from the date the manufacturer’s warranty expires and applies
for the same period as the manufacturer’s warranty for up to a maximum of
two (2) consecutive full years. However, there is no cover if the manufacturer’s
warranty exceeds five (5) years. 
The table below sets out examples of how extended warranty periods apply. 
Manufacturer’s
Warranty Period 
Extended Warranty Period 
Level 1 Cards 
and Level 2 Cards 
6 months   6 months 
1 year   1 year 
2 to 5 years   2 years 
Over 5 years   No cover 
Part C – Benefit Limits 
The table sets out the maximum limits of what we will pay under Extended
Warranty Insurance. All limits and sub-limits in the table below are shown in
Australian dollars. 
The cover available is outlined in Part E and is subject to the applicable terms,
conditions, exclusions, limits and sub-limits. 
If you need advice in respect of your particular circumstances or needs please
consult an appropriately licensed insurance adviser.

89 
Card   Limit 
Level 1 Cards
and Level 2 Cards 
Purchase price charged to card account limited to
$20,000 per covered product up to a maximum total
limit of $20,000 per card account in any twelve (12)
month period. 
Part D – Excess and Exclusions 
Excess – what   you   contribute to a claim. 
An excess of $300 applies to each claim payable under Extended Warranty
Insurance. 
You must pay the excess amount for each claim made even if a number of
claims are submitted on the one claim form. 
Exclusions. 
The exclusions below set out what is not covered. 
You should also read each section as they contain specific exclusions that
also apply. 
To the extent permitted by law we do not cover you for any loss, damage or
expense caused by, arising from, or in any way related to: 
1.   illegal or criminal acts by you, your spouse, your dependants or any other
person acting with your consent or under your direction; 
2.   your failure to take reasonable care; 
3.   any act of war, whether war is declared or not, or from any rebellion,
revolution, insurrection or taking of power by the military; 
4.   a nuclear reaction or contamination from nuclear weapons or radioactivity; 
5.   biological and/or chemical materials, substances, compounds or the like
used directly or indirectly for the purpose of harming or to destroy human
life and/or create public fear; 
6.   providing cover or being liable to pay any claim or provide any benefit
(including a refund on premium) hereunder to the extent that the provision
of such cover, payment of such claim or provision of such benefit would
contravene or otherwise expose us to the risk of any penalty, sanction,
prohibition or restriction under United Nations resolutions or the trade
or economic sanctions, laws or regulations of Australia, New Zealand,
the European Union, United Kingdom or United States of America.

90 
Part E – The cover available. 
Your covered product may come with guarantees that cannot be excluded under
the Australian Consumer Law (ACL) or other relevant law. This cover operates
alongside, and in addition to, the rights and remedies to which you may be
entitled under the ACL and any other law that applies to your covered product
and does not change those rights or remedies. 
What we cover. 
If a covered product that you purchased and charged the whole purchase price
of to the accountholder’s card account, suffers a covered breakdown during
the period of cover available after the manufacturer’s warranty expires we will
reimburse you the lesser of: 
•   the original purchase price, or 
•   the repair cost; or 
•   the replacement cost; or 
•   the limit per covered product specified in Part C – Benefit Limits – Extended
Warranty Insurance, 
subject to the maximum total limit for any one card account in any twelve
(12) consecutive month period specified in Part C – Benefit Limits – Extended
Warranty Insurance. 
Conditions. 
Only items with a manufacturer’s unique identification serial number on them
are covered under this insurance. 
You should take all reasonable care to protect and/or maintain your covered
products. 
You should obtain our approval before starting any repairs or replacement of
any covered product that has suffered a covered breakdown. 
You should keep the covered product for which you are claiming or relevant
parts of the covered product so that we may inspect them.

91 
Claims. 
How to make a claim. 
Please do not contact Westpac in the event of a claim. 
First check that you are entitled to claim by reading the appropriate section in
this booklet, especially Part D of that section, to see exactly what is, and is not
covered, noting particularly any conditions, limitations and exclusions. 
Allianz Global Assistance administers the benefits available under the group
policy. You should give Allianz Global Assistance notice of your claim as soon
as possible. 
In order to be sure that any expenses you claim are covered by the group policy
you should always, when practicable, contact Allianz Global Assistance for
approval before you incur expenses you wish to claim. If you do not, we will
pay for expenses incurred up to the amount we would have authorised had you
asked us first. 
You are not covered for any claim made after termination of, or the expiry of
the period of insurance specified in, the group policy. Westpac will provide you
with details of any replacement cover. 
You can obtain claim forms and information on how to make a claim at: 
insurance.agaassistance.com.au/westpac/ 
You can lodge your travel claim online at: 
claimmanager.com.au/westpac 
Allianz Global Assistance will consider your claim within 10 business days
of receiving a completed claim form and all necessary documentation. If they
need additional information, a written notification will be sent to you within
10 business days. 
If there is a delay in claim notification, or you do not provide sufficient detail
for Allianz Global Assistance to consider your claim, we can reduce any claim
payable by the amount of prejudice we have suffered because of the delay. 
You should give any information Allianz Global Assistance reasonably asks
for to support your claim at your expense, such as but not limited to police
reports, valuations, medical reports, original receipts or proof of purchase
and ownership. If required Allianz Global Assistance may ask you to provide
them with translations into English of any such documents to enable their 
consideration of y our claim.

92 
You should co-operate at all times in relation to providing supporting evidence
and such other information that may reasonably be required. 
In particular: 
•   If you think that you may have to cancel your journey or shorten your journey
you should tell us as soon as reasonably possible. Contact Allianz Global
Assistance using the contact number, or if overseas the 24-hour Emergency
Assistance number, shown inside the front cover of this booklet. 
•   In the event of an emergency or admission to hospital overseas or for
medical, hospital or dental claims, contact Allianz Global Assistance as
soon as practicable. 
•   For loss or theft of your covered items or valuables, you should report it as
soon as possible to the police and obtain confirmation of your report. If you
delay or fail to make a report, we may reduce or refuse your claim to the
extent we are prejudiced by your delay or failure. 
•   For damage or misplacement of your covered items or valuables, caused
by the airline or any other operator or accommodation provider, report the
damage or misplacement as soon as possible to an appropriate official and
make reasonable efforts to obtain a written report, including any offer of
settlement that they may make. 
Depreciation. 
When taking into consideration the age of a covered item or valuable we will
(acting reasonably) deduct the following amounts from our settlement for each
item you have claimed: 
•   For toiletries and medication (including skin care, make-up, perfume,
deodorant and aftershave) we will deduct 50% of the purchase price for each
year you have owned the item up to a maximum deduction of 80%; 
•   For mobile phones, smart phones, electrical devices, communication devices,
all computers (including laptops and tablets), photographic equipment and
electronics equipment we will deduct 20% of the purchase price for each year
you have owned the item up to a maximum deduction of 80%; 
•   For clothing, footwear, luggage and books we will deduct 15% of the
purchase price for each year you have owned the item up to a maximum
deduction of 80%; 
•   For camping, sporting and leisure equipment (but not leisure clothing) and
musical instruments we will deduct 10% of the purchase price for each year
you have owned the item up to a maximum deduction of 80%;

93 
•   For jewellery we will not make any deduction. Please note, watches are not
considered jewellery and are included under other items below; 
•   For all other items we will deduct 15% of the purchase price for each year
you have owned the item up to a maximum deduction of 80%. 
For example: 
You have a $500 digital camera that was purchased 2 years before the date it
was lost. The rate of depreciation would be 20% per year. 
In settlement of your claim we would pay you $300 (i.e. we will depreciate the
value of the digital camera by 20% of the purchase price for each of the 2 years
you have owned it), calculated as follows: 
Year 1 – Purchase price of $500 less 20% ($100) = $400 
Year 2 – Depreciated value of $400 less 20% of the purchase price ($100)
= $300 
Claims are payable in Australian dollars. 
We will pay all claims in Australian dollars. We will pay you unless you tell us
to pay someone else. The rate of currency exchange that will apply is the rate
at the time you incurred the expense. Payment will be made by direct credit to
a bank account nominated by you. 
You should not admit fault or liability. 
You should not admit that you are at fault, for any accident, incident or event
causing a claim, and you must not offer or promise to pay any money, or become
involved in legal action, without the approval of Allianz Global Assistance. If you
do, we may reduce or refuse your claim to the extent we are prejudiced. 
Recovery. 
If we have a claim against someone in relation to the money we have to pay
or we have paid, you must take reasonable steps to help us do that in legal
proceedings. If you are aware of any third party that you or we may recover
money from, you should inform us of such third party. 
When making a claim you should tell us about any other insurance under which
you are or might be able to claim. If you can claim from another insurer and we
also pay you in respect of the same insured event, then you will be required to
refund to us the amount we paid if the other insurer also paid you. 
You cannot claim from us and from the other insurer to obtain an aggregate
amount that exceeds your loss.

94 
If during the period of cover made available, you suffer a loss which is not
covered by the group policy, we may offer to attempt to recover your uninsured
loss for you. 
You may specifically ask us to recover this for you however, we have no
obligation to do so. You will need to give us documents supporting your loss.
Before we include any uninsured loss in a recovery action we will also ask you
to agree to the basis on which we will handle your uninsured recovery action.
You may need to contribute to legal costs in some circumstances. 
We will apply any money we recover from someone else under a right of
subrogation in the following order: 
1.   To us, our costs (administration and legal) arising from the recovery. 
2.   To us, an amount equal to the amount that we paid to you under the
group policy. 
3.   To you, your uninsured loss (less your excess). 
4.   To you, your excess. 
Once we pay your total loss (including your uninsured loss and any excess) we
will keep all money left over. 
If we have paid your total loss and you receive a payment from someone else
for that loss or damage, you will need to pay us the amount of that payment up
to the amount of the claim we paid you. 
How GST may affect your claim. 
If you are entitled to claim an input tax credit in respect of a cost for which a
claim is made, or would be entitled to an input tax credit if you were to incur
the relevant cost (i.e. in replacing a lost or stolen item), the amount we would
otherwise pay will be reduced by the amount of that input tax credit. 
Fraud. 
When making a claim you have a responsibility to assist us and to act in an
honest and truthful manner. 
If any claim is fraudulent in any way or if you or anyone acting on your behalf
uses fraudulent means to make a claim on the cover described in this booklet,
then no payment will be made in regard to the claim. Also Westpac will be
informed of the situation and you may no longer be eligible for the cover
described in this booklet.

95 
Complaints & disputes 
If you are dissatisfied with our service in any way, please contact us and we will
attempt to resolve the matter in accordance with our internal dispute resolution
procedures. 
If we do not make a decision within the period that we tell you we will respond,
we will tell you about your right to lodge a complaint with an external dispute
resolution scheme. 
If you are not happy with our response, you can refer your complaint to AFCA
subject to its terms of reference. AFCA provides a free and independent dispute
resolution service for consumers who have general insurance disputes falling
within its terms. AFCA’s contact details are: 
The Australian Financial Complaints Authority 
Online:   www.afca.org.au 
Phone:   1800 931 678 
Email:   info@afca.org.au 
Mail:   GPO Box 3 
Melbourne VIC 3001 
For more information on how we handle complaints you can request a copy of
our procedures, using our contact details on the inside front cover. 
General Insurance Code of Practice 
The General Insurance Code of Practice was developed by the Insurance
Council of Australia to further raise standards of practice and service across the
insurance industry. The Code Governance Committee (CGC) is an independent
body that monitors and enforces insurers’ compliance with the Code. 
You can obtain more information on the Code of Practice and how it assists
you by contacting us. Contact details are provided on the inside front cover of
this booklet. For more information on the Code Governance Committee (CGC)
go to   www.insurancecode.org.au.

96 
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97 
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98 
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We’re here to help 
For Complimentary Insurance claims and enquiries,
contact Allianz Global Assistance on 
1800 091 710 
Monday to Friday: 8am to 8pm AEST 
Saturday: 8am to 5pm AEST 
For Card related queries, contact Westpac on 
132 032 
8am to 8pm EST 
Monday to Friday (excluding public holidays) 
westpac.com.au 
Ask at any branch 
Accessibility support 
If you are deaf, hard of hearing, or have speech/communication
difficulty, you can message us within the Westpac App
or communicate with us using the National Relay Service 
www.accesshub.gov.au/about-the-nrs . 
If English is not your preferred language, contact us and we
can arrange a language interpreter. 
Visit   www.westpac.com.au/web-accessibility   for further
information on the accessible features on our products,
services and accessible collateral for people with disability,
who are neurodivergent or where English is not your
preferred language. 
Westpac acknowledges the Traditional Owners as the custodians of this land,
recognising their connection to land, waters and community. We pay our respects to
Australia’s First Peoples, and to their Elders, past and present. 
Mastercard ®   is a registered trademark of Mastercard International Incorporated. 
© Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit
licence 233714. WBCWCI001 1026

---

# Source: https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/WBC_Credit_Card_Domestic_Complimentary_Insurance_Policy_Information_Booklet.pdf

Westpac Credit Card
Domestic
Complimentary
Insurance
Effective: 1 October 2026
Policy Information Booklet

Contact Allianz Global Assistance 
Claims and general enquiries
1800 091 710
Monday to Friday 8am to 8pm AEST
Saturday 8am to 5pm AEST
Access claim forms 24 hours a day, 7 days a week at:
travel.agaassistance.com.au/westpac/make-a-claim
Email: cardclaims@allianz-assistance.com.au 
24 hour Assistance 
1800 227 773 (within Australia)
Please note additional charges may apply for any calls
made from mobiles, public telephones or hotel rooms. 
The Group Policy is issued and managed by 
AWP Australia Pty Ltd trading as Allianz Global
Assistance ABN 52 097 227 177 AFS Licence 245631 as
an agent for Allianz Australia Insurance Limited 
Registered Office 
Level 16, 310 Ann Street Brisbane QLD 4000 
The Group Policy is insured by 
Allianz Australia Insurance Limited
ABN 15 000 122 850
AFS Licence 234708
Level 16, 10 Carrington St Sydney, NSW 2000

Contents
PART A Summary of products and benefits available   1 
Who is the Insurer?   3
Who is Allianz Global Assistance?   3 
PART B The Cover Available   4 
Introduction   5
The Bank is not the issuer or insurer of the covers   5
Termination or variation of cover   6
Other Insurances   7 
Domestic Travel Insurance   8 
Eligibility   8
Period of Cover   9
Table of Benefits   9
Excesses   10
The Cover Available   10
Exclusions   22 
Rental Vehicle Excess Insurance in Australia   25 
Eligibility   25
Period of Cover   25
Table of Benefits   25
Excesses   26
The Cover Available   26
Exclusions   27 
PART C Important things you need to know   29 
Limitation of cover   30
Jurisdiction and choice of law   30
Privacy Notice   30
Claims   32
Complaints & Disputes   37
General Insurance Code of Practice   38
Definitions   38

PART A
Summary of
products and
benefits available 
1

Depending on your card type, you may be eligible to
access certain insurance benefits under your Bank’s
Group Policy, this cover is included with your card at no
added cost to you.
You must fulfil the eligibility criteria for your eligible card
type in order to access the complimentary cover in this
Policy Information Booklet.
All benefits listed below in this Part A are a summary
only. Terms, conditions, exclusions, limits and applicable
sub-limits apply. Please refer to the relevant parts for
more information. 
Level 1 Cards and Level 2 Cards
Domestic Travel Insurance 
Cancellation
Additional Expenses
Flight Delay
Luggage
Luggage Delay 
Rental Vehicle Excess Insurance in Australia 
Rental Vehicle Excess
Insurance in Australia PART A – Summary of products and benefits available 
2

Eligible cards
LEVEL 1 CARDS 
•   Altitude Black Mastercard
•   Altitude Qantas Black Mastercard
•   Altitude Velocity Black Mastercard
•   Low Fee Platinum Mastercard
This includes a Westpac PartPay Card that is linked to a
current and valid card. 
LEVEL 2 CARDS 
•   Altitude Platinum Mastercard
•   Altitude Qantas Platinum Mastercard
•   Altitude Velocity Platinum Mastercard
This includes a Westpac PartPay Card that is linked to a
current and valid card. 
Who is the Insurer? 
The insurance cover described in the
Policy Information Booklet are insured by 
Allianz Australia Insurance Limited 
ABN 15 000 122 850
AFS Licence No. 234708 (Allianz),
telephone 132 664. 
Who is Allianz Global Assistance? 
Allianz Global Assistance is a trading name of AWP
Australia Pty Ltd ABN 52 097 227 177 AFS Licence No.
245631, of Level 16, 310 Ann Street, Brisbane, QLD 4000,
telephone (07) 3305 7000. Allianz Global Assistance
is authorised by Allianz to issue and manage the
insurances. Allianz Global Assistance is also authorised to
deal with and settle any claims under them, as the agent
of Allianz, not as your agent. Allianz Global Assistance
acts under a binder which means that it can do these
things as if it were the insurer. It administers all the
benefits of these insurances. For all assistance services,
you may contact Allianz Global Assistance 24 hours a
day, 7 days a week. 
3 PART A – Summary of products and benefits available

PART B
The Cover
Available 
4

Introduction 
The covers within this Policy Information Booklet are
available to eligible cardholders by virtue of the Group
Policy entered into with the Bank.
Part B describes the complimentary insurance benefits
provided by Allianz which are available to eligible
cardholders and other eligible beneficiaries. The cover
in this group policy applies when the eligibility criteria is
met on or after 1 October 2026. You are not covered if
you meet eligibility criteria after termination of or expiry
of the period of the Group Policy. The Bank will advise
cardholders of any replacement cover.
For general enquiries call Allianz Global Assistance.
Allianz Global Assistance issues and manages the
Group Policy on behalf of Allianz.
The covers described in this Part B are available for
your benefit under a Group Policy entered into between
Allianz Global Assistance on behalf of Allianz and the
Bank. The Bank is the Group Policy owner. When eligible,
you have the benefit of cover as a third party beneficiary
by reason of the statutory operation of Section 48 of
the Insurance Contracts Act 1984 (Cth). There is no
obligation to accept any of these benefits. However, if
you wish to claim any of these benefits, you will be bound
by the definitions, terms, conditions, exclusions, limits,
applicable sub-limits and claims procedures contained
in this Policy Information Booklet. 
Please read the Policy Information Booklet carefully
and keep it in a safe place . Also please keep detailed
particulars and proof of any loss. Examples may include
sales receipts and card account statements showing any
purchases. 
The Bank is not the issuer or insurer
of the covers 
The Bank is not the issuer or insurer of the Group
Policy and neither it nor any of its related corporations
guarantee or are liable to pay any of the benefits under
the covers available. These benefits are available to
the beneficiaries upon meeting the eligibility under
these covers. Neither the Bank nor any of its related
corporations are Authorised Representatives of Allianz, 
5 PART B – The Cover Available

Allianz Global Assistance or their related companies
and the Bank does not receive any commission or
remuneration in relation to the covers set out in the
Policy Information Booklet. 
Termination or variation of cover 
The Bank or Allianz may terminate or agree to vary the
terms, conditions and cover available to cardholders
under the Group Policy as set out in this Policy
Information Booklet. If this occurs, the Bank will give the
accountholder at least 30 days’ written notice before the
termination or change takes effect. The Bank may give
less notice, or publish the notice on the Bank’s website if:
•   there is a minor change with no effect to the
cardholders’ cover or eligibility criteria (e.g. change of
contact details);
•   the variation is favourable to the cardholder (in which
case the Bank will take reasonable steps to provide
written notice as soon as reasonably possible); or
•   the Bank and Allianz is reasonably required to act
quickly to change the terms of the Group Policy to
manage a material and immediate risk arising from: 
a)   a potential or actual breach of any law; or 
b)   a proposed change in, or interpretation of, a law or
any decision, recommendation, regulatory guidance
or standard of any court, tribunal, ombudsman
service, regulatory or other similar body. 
A risk will be considered material and immediate
if to protect the Bank’s and/or Allianz’s legitimate
business interests, the Bank and/or Allianz are
required to act quickly to change the terms,
conditions and/or cover, or terminate the cover,
as set out in this Part B.
Where there is a termination or change to the terms,
conditions and/or cover as set out in this Policy
Information Booklet the existing terms, conditions and/
or cover will only apply where eligibility criteria are met
before the date of the change or termination. Where the
Group Policy is terminated, no cover is available where
eligibility criteria are met after the date of termination.
The Bank will provide accountholders with details of any
replacement cover and its relevant effective date. PART B – The Cover Available 
6

Other Insurances 
If you are entitled to receive a benefit or make a claim
under another insurance policy (Other Policy) (for
example, a travel insurance policy you purchased
separately for your domestic journey), in respect of the
same loss as your claim under this Group Policy, then,
subject to the provisions of the Insurance Contracts Act
1984 (Cth), Allianz is not liable to provide indemnity
under this Group Policy until the amount of any indemnity
under that Other Policy is exhausted. In other words,
any cover made available under this Group Policy in
respect of the same loss shall only be excess insurance
cover over and above the applicable Other Policy. If you
make a claim under another insurance policy and you
are not paid the full amount of the claim, then, subject to
the provisions of the Insurance Contracts Act 1984 (Cth),
the cover made available to you under the Group Policy
will make up the difference, to the extent of cover that
applies, in accordance with the terms and conditions
contained in this Policy Information Booklet. Should we
make payment to you for the full amount of the claim,
we may seek contribution from your other insurer. In such
circumstances, you must give us any information that we
reasonably require to help us make a contribution claim
from the other insurer. 
7 PART B – The Cover Available

Domestic Travel
Insurance
Eligibility
WHO IS ELIGIBLE? 
If you are a Level 1 Card or Level 2 Card cardholder, you
are eligible for the cover available if:
•   the entire cost of your return domestic flight ticket is
charged to the accountholder’s card account prior to
commencing the journey.
In order to be eligible to claim under Domestic Travel
Insurance your eligible card must remain current and
valid for the entire duration of your journey. 
WHO ELSE IS ELIGIBLE? 
If the cardholder is eligible for the cover available, the
cardholder’s spouse and dependants are also eligible if: 
a)   the entire cost of the spouse and/or dependant(s)
return domestic flight ticket is charged to the
accountholder’s card account prior to commencing
the journey; and 
b)   the spouse and/or dependants are travelling with
the cardholder for at least 50% of the period of cover
made available to the cardholder for the cardholder’s
journey. 
Dependants under the age of two years at the date
the journey commences 
If a cardholder satisfies the eligibility criteria set out
above, their dependant under the age of two years as at
the date the journey commences is eligible for the cover
provided the dependant is travelling with the cardholder
for at least 50% of the period of cover available to the
cardholder for the cardholder’s journey. No cover is
available for dependants born on the journey. PART B – The Cover Available 
8

Period of Cover 
The period of cover available under 1.1 Cancellation on
page 12 begins on the date you become eligible for cover
by meeting the eligibility criteria set out in the Eligibility
section. Provided you meet the eligibility criteria set out in
the Eligibility section, the period of cover made available
for all other insured events commences when you leave
your home to start your journey or on the departure date
shown on your return domestic flight ticket, whichever is
the later. 
Card   Period of Cover 
Level 1 Cards &
Level 2 Cards
Up to 14 consecutive
days per journey
Cover under all sections of the Domestic Travel Insurance
ends when the first of the following occurs: 
a)   when you return to your home from the airport shown
on your return domestic flight ticket; or 
b)   when you cancel your return domestic flight ticket; or 
c)   14 consecutive days after your journey starts.
For the avoidance of doubt, the period of cover available
is for a maximum of 14 days per journey. 
Table of Benefits 
The table below sets out the benefits available and the
maximum amount we will pay for all claims combined
under each benefit of Domestic Travel Insurance,
including any sub-limits. All limits and sub-limits in the
table are shown in Australian dollars. The cover available
is outlined in The Cover Available and is subject to the
applicable terms, conditions, exclusions, limits and
applicable sub-limits. All costs and expenses claimed
must be necessary and reasonable. 
9 PART B – The Cover Available

Benefit   Excess
applies   Limit 
1.1 Cancellation   Yes   $3,000 
2.1   Flight Delay
(4 hours or more)   No   $500 
(Up to $125 per person)
3.1 Additional Expenses   Yes   $1,000 
4.1 Luggage   Yes   $1,500 
(Up to $500 for each
covered item)
4.2   Luggage Delay
(12 hours or more)   No   $500 
(Up to $125 per person) 
Excesses 
You must pay the following excess amounts for each
claim made under the following benefits even if a
number of claims are submitted on the one claim form.
However if you make more than one claim as the result of
a single event, the highest excess will apply but will only
apply once. 
Section   Cover type   Excess 
1.1   Cancellation   $100 
2.1   Flight Delay   Nil 
3.1   Additional Expenses   $100 
4.1   Luggage   $100 
4.2   Luggage Delay   Nil
The Cover Available 
In order to be sure that you are covered under this
Domestic Travel Insurance, where reasonable, you
should always call us for approval before you incur
certain expenses.
If you do not, we will pay for expenses incurred up to the
amount we would have authorised had you asked us first. PART B – The Cover Available 
10

EPIDEMICS AND PANDEMICS (COVID-19) 
If, during the period of cover available, you (including
your spouse and/or dependants who are eligible for
cover) are positively diagnosed as suffering a sickness
recognised as an epidemic or pandemic, such as
COVID-19, cover is available to you under the
following sections:
•   1.1 Cancellation
•   3.1 Additional Expenses
If your travel companion is positively diagnosed as
suffering a sickness recognised as an epidemic or
pandemic, such as COVID-19, which impacts your journey,
cover is available to you under the following sections:
•   1.1 Cancellation
•   3.1 Additional Expenses
Terms, conditions, exclusions, limits and applicable
sub-limits apply.
Please refer to General Exclusions for Domestic Travel
Insurance on page 22 and the exclusions set out in each
of the above sections.
For example, you will not be covered if you are positively
diagnosed as suffering a sickness recognised as an
epidemic or pandemic while travelling against an
advice or warning issued by an Australian government
(including Commonwealth, State or Territory
governments) and you did not take reasonable care to
avoid contracting the sickness (for example by delaying
travel to the country or part of the country referred to
in the warning), refer to General Exclusions 5 and 13
for Domestic Travel Insurance on page 22 for more
information. Please note, this also applies even if the
Australian government has given you permission to travel
or you fall under a specific exemption where there is
otherwise a travel ban in place that prohibits you from
travelling. For all other sections and any claim arising
from, or related to, epidemics and pandemics, there is
no cover. 
11 PART B – The Cover Available

1.1 Cancellation
1.1.1 WHAT WE COVER 
If, during the period of cover available, your journey
is cancelled, disrupted or rescheduled because of
circumstances that were not expected or intended by
you and outside your control (including if you or your
travel companion are positively diagnosed as suffering
a sickness recognised as an epidemic or pandemic,
such as COVID-19, which reasonably prevents you from
travelling), we will reimburse you: 
Unused travel and accommodation arrangements
a)   the non-refundable portion of unused travel and
accommodation arrangements scheduled to be used
during the period of cover available for your journey,
that you have paid in advance of cancellation or
disruption and cannot recover in any other way,
limited to the maximum total limit specified in the
Table of Benefits for Domestic Travel Insurance –
1.1 Cancellation. 
Travel agent’s fees
b)   Your travel agent’s cancellation fees and any
commission or service fees retained by your travel
agent, limited to the amount of commission or service
fees that your travel agent would have earned had
your journey not been cancelled or the amount
specified in the Table of Benefits for Domestic Travel
Insurance – 1.1 Cancellation, whichever is the lesser. 
Frequent flyer, airmiles, loyalty points & vouchers
c)   For the value of frequent flyer points, air miles, loyalty
card points, redeemable vouchers or other similar
schemes lost by you as a result of cancelling the
services paid for or obtained with those points, air
miles, vouchers or schemes, but only if you cannot
recover your loss in any other way. We calculate
the amount we will pay you, which is limited to the
maximum total limit specified in Table of Benefits for
Domestic Travel Insurance – 1.1 Cancellation,
as follows: PART B – The Cover Available 
12

•   For frequent flyer points, air miles or loyalty
card points:
–   the cost of an equivalent booking based on the
same advance booking period as your original
booking less any payment you made toward the
booking, multiplied by
–   the total number of points or air miles lost,
divided by
–   the total number of points or air miles used to
make the booking.
•   for vouchers, the face value of the voucher. If there
is no face value on the voucher we will pay the
market value. 
Rescheduling your journey
d)   Your reasonable costs of rescheduling your journey.
The most we will pay for rescheduling your journey
is the unrecoverable amount that would have been
payable under sub-sections 1.1.1 a), b) and c) had
your journey been cancelled. We will not pay a claim
under sub-section 1.1.1 d) in addition to a claim
under sub-sections 1.1.1 a), b) and c) for the same
services/facilities. 
Conditions 
If you want to claim under the cover available, you should
do the following as soon as reasonably possible after the
happening of the unexpected event causing your claim:
•   cancel any pre-arranged travel and accommodation
scheduled to be used during the period of cover
available for your journey that you are now unable
to use; and
•   recover any refund that you are entitled to. If you
think that you may have to cancel your journey or
shorten your journey you should tell us as soon as
reasonably possible. For more information see under
the headings Claims on page 32 or call the contact
number shown on the inside front cover of this Policy
Information Booklet.
If you unreasonably delay or fail to cancel your
pre-arranged travel and accommodation arrangements
and we are prejudiced by your delay or failure, we may
reduce the amount payable for your claim to the extent
we are prejudiced. 
13 PART B – The Cover Available

If your claim is related to your fitness to travel, you
should take reasonable steps to provide us with written
confirmation from a medical adviser. 
1.1.2 WHAT WE EXCLUDE 
To the extent permitted by law we will not pay your
claim if: 
a)   you were aware, or a reasonable person in your
circumstances would have been aware before you
became eligible for the cover, of any reason that may
cause your journey to be cancelled, rescheduled or
shortened; 
b)   the claim arises from an injury, illness or death of
any person who is aged 81 years or over at the time
you become eligible for cover under Domestic Travel
Insurance; 
c)   caused by you or your travel companion changing
plans; 
d)   caused by financial default or financial collapse of
a services provider with whom you make a booking
or the financial default or financial collapse of any
company, organisation or person with whom they deal; 
e)   caused by an act of terrorism. 
2.1 Flight Delay
2.1.1 WHAT WE COVER 
If during the period of cover available for your journey,
the departure of your domestic flight, is delayed for the
period specified in Table of Benefits for Domestic Travel
Insurance – 2.1 Flight Delay due to circumstances outside
your control and no alternative transport is provided by
the carrier, we will reimburse the cost of your reasonable
additional meal and accommodation expenses, up to the
amount specified in Table of Benefits for Domestic Travel
Insurance 2.1 Flight Delay. 
2.1.2 WHAT WE EXCLUDE 
We will not pay if a delay to your journey arises from an
act of terrorism. PART B – The Cover Available 
14

3.1 Additional Expenses
3.1.1 WHAT WE COVER
Additional travel & accommodation expenses due to
your incapacity
a)   If you cannot continue your journey because of an
injury or sickness (including if you are positively
diagnosed as suffering a sickness recognised as an
epidemic or pandemic, such as COVID-19) which
occurs during the period of cover available for your
journey and needs immediate treatment from a
medical adviser, we will reimburse your reasonable
additional accommodation and travel expenses. 
Emergency travel & accommodation expenses for a
necessary companion
b)   If during the period of cover available for your
journey, you are admitted to hospital suffering from
a life threatening or other serious condition which
occurs during the period of cover available for your
journey, we will reimburse the reasonable travel and
accommodation expenses for a relative or friend to
travel to you, stay near you or escort you. The relative
or friend must travel to you, stay near you or escort
you on the written advice of your treating medical
adviser and with the prior written approval of Allianz
Global Assistance, for which approval will not be
unreasonably withheld or delayed. Please contact
Allianz Global Assistance for approval of these costs.
Otherwise, we may reduce the amount payable for
your claim to the extent we are prejudiced. 
Additional travel & accommodation expenses due to
your travel companion’s incapacity
c)   If your travel companion cannot continue their
journey because of an injury or sickness (including
if your travel companion is positively diagnosed as
suffering a sickness recognised as an epidemic or
pandemic, such as COVID-19) which occurs during
the period of cover available for your journey and
which needs immediate treatment from a medical
adviser, we will reimburse your reasonable additional
accommodation and travel expenses for you to
remain with your travel companion. Please contact
Allianz Global Assistance for approval of these costs.
No cover is available for a claim arising from any pre-
existing medical condition of your travel companion. 
15 PART B – The Cover Available

Expenses due to your repatriation or evacuation home
d)   If during the period of cover available, you shorten
your journey and return to your home on the advice of
your treating medical adviser and with the approval
of Allianz Global Assistance, we will reimburse the
reasonable additional cost of your return to your
home. We will only pay the cost of the fare class that
you had planned to travel at and you must make
use of any pre-arranged return travel to your home.
Please contact Allianz Global Assistance for approval
of these costs. 
Repatriation of dependants left without supervision
e)   If your dependants are left without supervision
following your hospital admission or evacuation
during the period of cover available for your journey,
we will pay the reasonable additional travel and
accommodation expenses incurred to return them to
your home, including the travel and accommodation
expenses of an escort if agreed to by Allianz Global
Assistance. Please contact Allianz Global Assistance
for approval of these costs. 
Additional travel & accommodation expenses due to
specified events
f)   In addition, if during the period of cover available a
disruption to your journey arises from:
•   your scheduled or connecting transport being
cancelled, delayed, rescheduled or diverted
because of a strike, riot, hijack, civil protest,
weather, natural disaster or accident affecting your
mode of transport;
•   you unknowingly break any quarantine rule (but
not a quarantine rule applying to an epidemic or
pandemic);
•   you lose your passport, travel documents or
transaction cards or they are stolen; or
•   your home being rendered uninhabitable by
fire, explosion, earthquake or flood, we will
reimburse your reasonable additional travel and
accommodation expenses. Please contact Allianz
Global Assistance for approval of these costs.
Whenever claims are made by you under this
section and Section 1.1 Cancellation for cancelled
services/facilities or alternative arrangements for
the same or similar services/facilities, we will pay
for the higher of the two amounts, not both. PART B – The Cover Available   16

3.1.2 WHAT WE EXCLUDE 
To the extent permitted by law, we will not pay
your claim: 
a)   if you were aware, or a reasonable person in your
circumstances would have been aware, of any
reason, before you became eligible for the period of
cover available, that may cause your journey to be
cancelled, disrupted or delayed; 
b)   if the claim arises from an injury, illness or death of
any person who is aged 81 years or over at the time
you become eligible for cover under Domestic Travel
Insurance; 
c)   if you can recover your additional travel and
accommodation expenses from someone else, for
example, an airline or tour provider; 
d)   if caused by any service provider misappropriating
your funds or failing to arrange or provide services for
which you have paid; 
e)   for cancellations, delays, rescheduling or diversions
to your scheduled or connecting transport unless it
is due to a strike, riot, hijack, civil protest, weather,
natural disaster or accident affecting your mode of
transport; 
f)   if your claim arises directly or indirectly out of you
operating a rental vehicle in violation of the rental
agreement. 
4.1 Luggage 
You must take all reasonable precautions to safeguard
your covered items and your valuables. If you do not,
we will not pay your claim. For example, you will not
be taking reasonable precautions if you leave your
belongings in a publicly accessible location:
•   at such a distance from you that you are unable to
prevent them being taken; or
•   with a person who is not a travel companion or a
relative (or if these persons fail to take all reasonable
precautions to safeguard your covered items or
valuables). 
17 PART B – The Cover Available

This includes forgetting or misplacing any items, leaving
them behind or walking away from them. 
4.1.1 WHAT WE COVER
a)   If, during the period of cover available for your
journey, the following covered items or valuables:
•   baggage, clothing or personal valuables;
•   portable electrical equipment, laptop computers
and associated equipment/accessories, binoculars,
cameras and associated equipment accessories, 
are stolen, accidentally damaged or are permanently
lost, except when:
•   left in a vehicle (see sub-section 4.1.1 b) below); or
•   are valuables left in a vehicle or checked in to be
transported in the cargo hold of any aircraft, ship,
train, tram or bus (see sub-section 4.1.1 c) below). 
We will pay the lesser of:
•   the depreciated value after allowing for age, wear
and tear (see ‘Claims’ the Depreciation section in
Part C on page 34 for more detail);
•   the original purchase price;
•   the replacement cost; or
•   the repair cost. 
We will not apply depreciation to any item we pay for
where less than 12 consecutive months have elapsed
since the item was purchased new. 
The maximum amount we will pay for any item is up
to the item limit specified in the Table of Benefits –
Domestic Travel Insurance 4.1 Luggage on page 10. 
A pair or related set of items, for example (but not
limited to):
•   a camera, lenses (attached or not), tripod and
accessories; – a matched or unmatched set of golf
clubs, golf bag and buggy; or
•   a matching pair of earrings, are considered as
only one item for the purpose of this cover, and the
appropriate single item limit will be applied. PART B – The Cover Available 
18

b)   Covered items specified in 4.1.1 a) on page 18 that are
left in a vehicle during the period of cover available
for your journey are only covered during daylight
hours and must have been left in a concealed storage
compartment of a locked vehicle, and in the event of
theft, forced entry must have been made. The most
we will pay is up to the total amount specified in the
Table of Benefits – Domestic Travel Insurance 4.1.1 b)
Luggage on page 10 for all covered items stolen from
a locked vehicle. 
c)   No cover is available for valuables left in a vehicle at
any time or valuables checked in to be transported
in the cargo hold of any aircraft, ship, train tram or
bus including any loss from the point of check in
until collection by you from the baggage carousel
or collection area at the end of your flight, voyage
or trip. However, cover will be available for loss,
theft or accidental damage to laptops, tablets and
mobile/ smartphones when (without prior notice)
you are directed by the airline with whom you have a
flight booking to place the laptop, tablet or mobile/
smartphone into your checked baggage or overhead
cabin locker for the duration of your flight. 
Conditions 
If you make a claim, you will need to provide proof of
ownership and the value of your belongings. Examples
of proof include receipts and/or valuations (e.g. receipt
or valuation for jewellery). If you cannot prove the value
of the items, the most we will pay for each individual item
is 10% of the per covered item limit shown in the Table
of Benefits – Domestic Travel Insurance 4.1 Luggage on
page 10.
As soon as practical, you should report any loss or theft
to the police or an office of the bus line, airline, shipping
line or rail authority you were travelling on when the loss
or theft occurred. You should make reasonable efforts to
obtain confirmation from whoever you made the report
to as this may be the easiest way to provide evidence
of the loss or theft. If you unreasonably delay or fail to
make a report and we are prejudiced by your delay or
failure, we may reduce the amount payable for your
claim to the extent we are prejudiced. If you are entitled
to be reimbursed by the bus line, airline, shipping line or
rail authority you were travelling on when the loss, theft,
misplacement or damage occurred we will deduct the 
19 PART B – The Cover Available

amount you are entitled to from any claim payable by
us. However, if you are not reimbursed the full amount of
your loss, we will pay the difference between the amount
of your loss and what you were reimbursed, up to the
limit of the cover available. 
4.1.2 WHAT WE EXCLUDE 
To the extent permitted by law, we will not pay a claim in
relation to your covered items and valuables if: 
a)   the loss, theft or damage is to, or of, covered items
left behind in any hotel or motel room after you have
checked out, or items left behind in any aircraft, ship,
train, tram, taxi or bus; 
b)   the covered items or valuables were being sent
unaccompanied by you or under a freight contract; 
c)   the loss or damage arises from any process of
cleaning, repair or alteration; 
d)   the loss or damage arises from ordinary wear
and tear, deterioration, atmospheric or weather
conditions, insects, rodents or vermin; 
e)   the covered item disappears in circumstances that
cannot be reasonably explained; 
f)   your claim arises from a government authority
confiscating, detaining or destroying anything; 
g)   you do not take reasonable precautions to safeguard
your covered items or valuables. For example, you
will not be taking reasonable precautions if you leave
your belongings in a publicly accessible location:
•   at such a distance from you that you are unable to
prevent them being taken; or
•   with a person who is not a travel companion
or a relative (or if these persons fail to take all
reasonable precautions to safeguard your covered
items or valuables). 
This includes forgetting or misplacing any items,
leaving them behind or walking away from them; 
h)   the covered item or valuable has an electrical or
mechanical breakdown or an inherent defect that is
known or could reasonably be known by you; PART B – The Cover Available 
20

i)   the covered item or valuable is fragile or brittle or
is an electrical component and is broken, unless the
breakage was caused by theft, fire or an accident
involving a vehicle in which you were travelling; 
j)   the loss or damage arises from scratches occurring
to lenses or screens of covered items or valuables
however caused; or 
k)   the covered items were sporting equipment that were
damaged during use. 
4.2 Luggage Delay
4.2.1 WHAT WE COVER 
If during the period of cover available for your journey
any of your covered items are delayed, misdirected or
misplaced by the carrier for more than 12 consecutive
hours, we will reimburse you for the reasonable costs you
incur for you to purchase essential items of clothing or
other personal items, up to the amount specified in Table
of Benefits Domestic Travel Insurance 4.2 Luggage Delay. 
Conditions 
You will need to make reasonable efforts to obtain
confirmation from the carrier who was responsible for
your covered items confirming that your items were
delayed, misdirected or misplaced as this may be the
easiest way to provide evidence of the delay. We will
deduct any amount we pay you under this section from
any subsequent claim you make for lost covered items
payable under Section 4.1 Luggage on page 17. If you are
entitled to be reimbursed by the bus line, airline, shipping
line or rail authority you were travelling on when the loss,
theft, misplacement or damage occurred we will deduct
the amount you are entitled to from any claim payable by
us. However, if you are not reimbursed the full amount of
your loss, we will pay the difference between the amount
of your loss and what you were reimbursed, up to the
limit of the cover available. 
21 PART B – The Cover Available

General Exclusions 
The general exclusions below set out what is not covered
for Domestic Travel Insurance. You should also read each
section as they contain specific exclusions that may
also apply.
To the extent permitted by law we do not cover you for
any loss, damage or expense caused by or arising from: 
1.   your loss of enjoyment; loss of revenue, loss of profits
or loss of goodwill; 
2.   you booking or taking travel against medical advice,
travel for the purpose of getting medical treatment or
advice, or travel taken after a medical adviser informs
you that you are terminally ill; 
3.   your intentional self harm or your suicide or your
attempted suicide; 
4.   your claim arises from, or is caused, or is contributed
to, by you being affected by any intoxicating liquor
or drug to the extent that your physical, or mental
functions, or your judgement are impaired, except
a drug prescribed to you by a medical adviser, and
taken in accordance with their instructions; 
5.   you not following an advice or warning that a
reasonable person would have been aware of:
•   by an Australian government (including
Commonwealth, State and Territory governments);
or
•   which was published in a reliable mass media
source; 
6.   flying other than when you are travelling as a
passenger in:
•   a fully licensed aircraft operated by an airline or
charter company; or
•   a regulated or licensed hot air balloon; 
7.   your participation in any dangerous activities or your
exposure of yourself to danger during your journey
unless in an attempt to preserve your life or the life of
another person, such as: PART B – The Cover Available 
22

•   scuba diving unless you hold an open water diving
certificate or are diving with a qualified and
registered diving instructor;
•   mountaineering or rock climbing requiring the
use of ropes and/or climbing equipment, racing
(other than amateur racing on foot), white water
rafting, white water boating, abseiling, parasailing,
skydiving, hang gliding, base jumping, bungy
jumping, pot holing, canyoning, caving, fire
walking, running with the bulls, rodeo riding, polo
playing, hunting, shooting, archery, tobogganing,
water skiing, jet skiing, off-piste snow skiing, off-
piste snowboarding, snowmobiling or any other
similar activity;
•   quad-bike or motorcycle riding during your journey
unless it involves you only driving a motorcycle, with
an engine capacity of 200cc or less, for which you
hold a valid motorcycle licence;
•   any other similar activity that a reasonable person
would consider dangerous; 
8.   any kind of training for, coaching or competing in
any sporting event where you are entitled to receive,
or are eligible to receive, an appearance fee, wage,
salary or prize money in excess of $1,000; 
9.   your claim arises from, or is caused, or is contributed
to by an illegal or criminal act by you, your spouse,
your dependants or any other person acting with your
consent or under your direction; 
10.   your participation as a crew member or pilot of any
transportation; 
11.   the injury, illness or death of any person who is aged
81 years or over at the time you become eligible for
cover under Domestic Travel Insurance; 
12.   any interference with your travel plans by any
government, government regulation or prohibition or
intervention or official authority; 
13.   your failure to take reasonable care such as failure to
wear appropriate safety equipment; 
23 PART B – The Cover Available

14.   any epidemic or pandemic, or in any way related to
any epidemic or pandemic, unless your claim relates
to you or your travel companion being positively
diagnosed with a sickness recognised as an epidemic
or pandemic and cover is expressly included in the
following sections:
•   1.1 Cancellation
•   3.1 Additional Expenses 
15.   any act of war, whether war is declared or not, or
from any rebellion, revolution, insurrection or taking
of power by the military; 
16.   a nuclear reaction or contamination from nuclear
weapons or radioactivity; 
17.   biological and/or chemical materials, substances,
compounds or the like used directly or indirectly for
the purpose of harming or to destroy human life and/
or create public fear; 
18.   providing any cover or benefit or pay any claim where
the provision of cover or benefit or payment of claim
would constitute a breach of any trade or economic
sanction, embargo, prohibition or restriction imposed
by any of the following: United Nations, United
States of America, Australia, European Union, United
Kingdom, or New Zealand, or any other applicable
national trade or economic sanctions, laws or
regulations. This applies where such geographical
location, provision of goods, services or other reasons
shall contravene such sanction, embargo, prohibition
or restriction. PART B – The Cover Available 
24

Rental Vehicle
Excess Insurance
in Australia
Eligibility
WHO IS ELIGIBLE? 
Level 1 Card and Level 2 Card Cardholders are eligible
when the entire payment for the vehicle rental was
charged to the accountholder’s card account and your
eligible card must remain current and valid for the
duration of the rental agreement. 
Period of Cover 
The cover available begins when you collect the rental
vehicle from the rental vehicle company or agency you
have entered into a rental vehicle agreement with and
ends when you return the rental vehicle to the rental
vehicle company or agency or at the expiry of the rental
vehicle agreement, whichever occurs earlier. 
Table of Benefits 
The table sets out the maximum limits of what we will
pay under Rental Vehicle Excess Insurance in Australia.
All limits and sub-limits in the table below are shown in
Australian dollars.
The cover available is outlined in the Cover Available and
is subject to the applicable terms, conditions, exclusions,
limits and sub-limits. 
Card   Limit 
Level 1 Cards &
Level 2 Cards
The amount specified in your rental
vehicle agreement up to the maximum
total limit of   $5,500   for all claims
combined during the rental period. 
25 PART B – The Cover Available

Excesses 
You must pay the following excess amount for each
claim made under this Rental Vehicle Excess Insurance in
Australia, even if a number of claims are submitted on the
one claim form.
However, if you make more than one claim as the result
of a single event, the highest excess will apply, but will
only apply once.
An excess of $300 applies to each claim payable under
Rental Vehicle Excess Insurance in Australia. 
The Cover Available 
In order to be sure that you are covered under this Rental
Vehicle Excess Insurance in Australia, where reasonable,
you should always call us for approval before you incur
certain expenses.
If you do not, we will pay for expenses incurred up to the
amount we would have authorised had you asked us first.
Cover is only available if your rental vehicle agreement
specifies an amount that is payable in the event the
rental vehicle is damaged or stolen while in your custody.
This cover will not provide cover for items, such as but
not limited to, tyres, rims, windscreens, glass, roof and/or
underbody if damage to these items is in addition to the
specific amount shown in your rental vehicle agreement
that you are responsible to pay for damage or theft. 
WHAT WE COVER 
If, during the period of cover available, a rental vehicle
you have rented from a rental company or agency in
Australia is:
•   involved in a motor vehicle accident while you are
driving it; or
•   damaged or stolen while in your custody,
then we will pay you the lesser of:
•   the cost of property damage for which you are liable;
•   the amount specified that you must pay under your
rental vehicle agreement; or
•   the limit shown in Table of Benefits on page 25. PART B – The Cover Available 
26

Conditions 
To support your claim, you must take reasonable steps
to provide:
•   your rental vehicle agreement;
•   the incident report that was completed; and
•   written confirmation from the rental company or
agency of the amount for which you are liable.
You may also need to provide:
•   the repair account and invoice from the motor vehicle
repairer (if available to you); and
•   an itemised list of the value of the damage. 
Exclusions 
The exclusions below set out what is not covered under
this Rental Vehicle Excess Insurance in Australia. You
should also read each section as they contain specific
exclusions that also apply. To the extent permitted by
law we do not cover you for any loss, damage or expense
caused by or arising from: 
1.   your loss of enjoyment; loss of opportunity; loss of
revenue; loss of profits or loss of goodwill; 
2.   your intentional self harm or your suicide or
attempted suicide; 
3.   a claim arising from, or is caused, or is contributed
to, by you being affected by any intoxicating liquor
or drug to the extent that your physical, or mental
functions, or your judgement are impaired, except
a drug prescribed to you by a medical adviser, and
taken in accordance with their instructions; 
4.   you using the rental vehicle in breach of the rental
agreement; 
5.   you using the rental vehicle without a licence for
the purpose that you were using it; (such as but not
limited to the carrying of fare paying passengers or
the carrying of freight); 
6.   administrative charges or fees of the rental company
that are not a component of the amount that is
specified in your rental vehicle agreement; 
27 PART B – The Cover Available

7.   any act of terrorism; 
8 .   any act of war, whether war is declared or not, or
from any rebellion, revolution, insurrection or taking
of power by the military; 
9.   a nuclear reaction or contamination from nuclear
weapons or radioactivity; 
10.   biological and/or chemical materials, substances,
compounds or the like used directly or indirectly for
the purpose of harming or to destroy human life and/
or create public fear; 
11.   providing any cover or benefit or pay any claim where
the provision of cover or benefit or payment of claim
would constitute a breach of any trade or economic
sanction, embargo, prohibition or restriction imposed
by any of the following: United Nations, United
States of America, Australia, European Union, United
Kingdom, or New Zealand, or any other applicable
national trade or economic sanctions, laws or
regulations. This applies where such geographical
location, provision of goods, services or other reasons
shall contravene such sanction, embargo, prohibition
or restriction; 
12.   your failure to take reasonable care such as failure to
wear appropriate safety equipment. PART B – The Cover Available 
28

PART C
Important things
you need to know 
29

Limitation of cover 
Regardless of anything contained in this Policy
Information Booklet to the contrary, we shall not be
liable to provide any cover or benefit or pay any claim
where the provision of cover or benefit or payment of
claim would constitute a breach of any trade or economic
sanction, embargo, prohibition or restriction imposed
by any of the following: United Nations, United States of
America, Australia, European Union, United Kingdom,
or New Zealand, or any other applicable national trade
or economic sanctions, laws or regulations. This applies
where such geographical location, provision of goods,
services or other reasons shall contravene such sanction,
embargo, prohibition or restriction. 
Jurisdiction and choice of law 
The Group Policy is governed by and construed in
accordance with the law of Queensland, Australia and
you agree to submit to the exclusive jurisdiction of the
courts of Queensland. You agree that it is your intention
that this Jurisdiction and Choice of Law clause applies. 
Allianz Global Assistance
Privacy Notice 
To offer or provide you with our insurance services,
we, namely AWP Australia Pty Ltd ABN 52 097 227 177
trading as ‘Allianz Global Assistance’ and as agent for the
insurer Allianz, collects, stores, uses, and discloses your
personal information including sensitive information.
The insurance cover arises from a Group Policy taken
out between your bank and Allianz and under which you
are entitled to cover as a beneficiary when you meet the
eligibility criteria set out in the Group Policy wording.
We usually collect your personal information directly
from you, but sometimes from others depending upon
the circumstances.
For example, when you make a claim for cover, we
may collect your personal information from you, the
Group Policy holder (to check you have met eligibility
requirements), your family members and travel
companions, as well as from third parties that provide
services including doctors, hospitals, airlines, travel 
PART C – Important things you need to know 
30

and accommodation providers, your agents and
representatives, our agents, and other service providers.
We are responsible for ensuring your personal
information is used and protected in accordance with
applicable laws and regulations, including the Privacy
Act 1988. We collect your personal information to
enable us to properly assess and manage your insurance
claim, and to provide the services we have agreed to
provide under the Group Policy. For example, we collect
your name, address, date of birth, email address, and
sometimes your medical information, bank account
details, as well as other information we collect through
devices like ‘cookies’ when you visit our website such as
your IP address and online preferences.
We use your personal information to offer and provide
our services and to manage your and our rights and
obligations in connection with your claim. For instance, we
use it to check, process, and finalise your insurance claim.
We may also use it for product development, customer
data analytics, research, IT systems maintenance and
development, recovery against third parties, for the
detection and investigation of fraud, and for other
purposes with your consent or where permitted by law.
We do not use your personal or sensitive information for
marketing purposes or provide that information to any
third parties for marketing.
Your personal information may be disclosed to third
parties (some of whom are data processors) who assist us
to carry out the above activities both inside and outside
of Australia, such as claims management providers,
travel agents and intermediaries, insurers, investigators,
cost containment providers, medical and health service
providers, overseas data storage (including ‘cloud’
storage) and data handling providers, legal and other
professional advisers, your agents, your travel group
leader if you travel in a group, the Bank if you are the
beneficiary of the Bank’s card insurances, insurance
reference bureaux, and our related and group companies
including Allianz. Some of these third parties may be
located in other countries including in Europe, Asia,
Canada, or the USA.
When you provide personal information to us about
other individuals, we rely on you to have first obtained 
31 
PART C – Important things you need to know

the individual’s consent, and to have made them aware
of the matters set out in this Privacy Notice.
You may also seek access to your personal data and ask
us to correct and update it. We will delete your personal
data when we no longer need it for a legitimate purpose.
You may not access or correct personal information of
others unless you have been authorised by their express
consent, or unless they are your dependants under 16
years of age.
If you have a request or complaint concerning
your personal information or about data privacy,
please contact: The Privacy Officer, Allianz Global
Assistance, PO Box 162, Toowong, QLD 4066, or email
DataPrivacyAU@allianz-assistance.com.au.
You can also contact the Privacy Commissioner at the
Office of The Australian Information Commissioner,
if you have a complaint.
For more information about our corporate privacy policy
and handling of personal information, including further
details about access, correction and complaints, please
visit our website at www.allianz-assistance.com.au and
click on the ‘Privacy & Security’ link in the footer.
If you do not agree with the matters set out in our privacy
policy or will not provide us with the personal information
we request, we may not be able to provide you with
our services including the assessment and payment of
any claims. In cases where we cannot comply with your
request concerning your personal information, we will
give you reasons why. 
Claims
HOW TO MAKE A CLAIM
Please do not contact the Bank in the event of a claim. 
First check that you are entitled to claim by reading
the appropriate section in this booklet, to see exactly
what is, and is not covered, noting any applicable
terms, conditions, exclusions, limits and sub-limits.
Allianz Global Assistance administers the benefits
available under the Group Policy. You should give
Allianz Global Assistance notice of your claim as
soon as reasonably possible. 
PART C – Important things you need to know 
32

Please submit full details of your claim as soon as
reasonably possible by emailing or posting a completed
claim form to Allianz Global Assistance.
In order to be sure that any expenses you claim are
covered by the Group Policy you should always, when
reasonably practicable, contact Allianz Global Assistance
for approval before you incur expenses you wish to claim.
Otherwise, we may reduce the amount payable for your
claim to the extent we are prejudiced.
You are not covered for any claim made after termination
of, or the expiry of, the period of insurance specified in
the Group Policy. The Bank will provide you with details
of any replacement cover. 
WHERE TO MAKE A CLAIM 
You can obtain claim forms and instructions on how
to make a claim by:
•   visiting travel.agaassistance.com.au/westpac/
make-a-claim, or
•   emailing Allianz Global Assistance at
cardclaims@allianz-assistance.com.au,
•   calling the contact number on the inside front
cover of this Policy Information Booklet.
Allianz Global Assistance will consider your claim within
10 business days of receiving a completed claim form
and all reasonably requested documentation. If we need
additional information, a written notification will be sent
to you within 10 business days.
If there is a delay in claim notification, or you do not
provide sufficient detail for Allianz Global Assistance to
consider your claim, we may reduce the amount payable
for your claim to the extent we are prejudiced.
You should take all reasonable steps to give any
information Allianz Global Assistance reasonably asks
for to support your claim at your expense. Examples of
information to support your claim includes police reports,
valuations, medical reports, original receipts or proof
of purchase and ownership. If required Allianz Global
Assistance may reasonably ask you to provide them with
translations into English of any such documents to enable
their consideration of your claim. 
33 
PART C – Important things you need to know

You should take all reasonable steps to co-operate in
relation to providing supporting evidence and such other
information that may reasonably be required.
In particular:
•   If you think that you may have to cancel or shorten
your journey you should tell us as soon as reasonably
possible. Contact Allianz Global Assistance using the
contact number shown on the inside front cover of this
Policy Information Booklet;
•   For loss or theft of your covered items or valuables,
you should as soon as reasonably practicable report
it to the police and obtain confirmation of your report.
If you unreasonably delay or fail to make a report, we
may reduce or refuse your claim to the extent we are
prejudiced;
•   For damage or misplacement of your covered items or
valuables, caused by the airline or any other operator
or accommodation provider, report the damage or
misplacement as soon as reasonably possible to an
appropriate official and make reasonable efforts
to obtain a written report, including any offer of
settlement that they may make. 
DEPRECIATION 
When taking into consideration the age of a covered
item we will deduct the following amounts from our
settlement for each item you have claimed:
•   For toiletries and medication (including skin care,
make-up, perfume, deodorant and aftershave) we
will deduct 50% of the purchase price for each year
you have owned the item up to a maximum deduction
of 80%;
•   For mobile phones, smart phones, electrical devices,
communication devices, all computers (including
laptops and tablets), photographic equipment and
electronics equipment we will deduct 20% of the
purchase price for each year you have owned the
item up to a maximum deduction of 80%;
•   For clothing, footwear, luggage and books we will
deduct 15% of the purchase price for each year you
have owned the item up to a maximum deduction
of 80%; 
PART C – Important things you need to know 
34

•   For camping, sporting and leisure equipment (but not
leisure clothing) and musical instruments we will deduct
10% of the purchase price for each year you have owned
the item up to a maximum deduction of 80%;
•   For jewellery we will not make any deduction;
•   For all other items we will deduct 15% of the purchase
price for each year you have owned the item up to a
maximum deduction of 80%.
For example:
You have a $500 digital camera that was purchased
2 years before the date it was lost. The rate of
depreciation would be 20% per year. In settlement of
your claim we would pay you $300 (i.e. we will depreciate
the value of the digital camera by 20% of the purchase
price for each of the 2 years you have owned it),
calculated as follows: 
Year 1   - Purchase price of $500 less 20% ($100) =   $400
Year 2   -   Depreciated value of $400 less 20% of the
purchase price ($100) =   $300
Claims are payable in Australian dollars to you 
We will pay all claims in Australian dollars. We will pay
you unless you tell us to pay someone else. The rate of
currency exchange that will apply is the rate at the time
you incurred the expense. Payment will be made by
direct credit to a bank account nominated by you. 
How GST may affect your claim 
If you are entitled to claim an input tax credit in respect
of a cost for which a claim is made, or would be entitled
to an input tax credit if you were to incur the relevant
cost (i.e. in replacing a lost or stolen item), the amount we
would otherwise pay will be reduced by the amount of
that input tax credit. 
You should not admit fault or liability before
consulting us 
You should not admit that you are at fault for any
accident, incident or event causing a claim under this
Group Policy, and you must not offer or promise to pay
any money, or take any steps in relation to any legal
action, without the approval of Allianz Global Assistance.
Such approval will not be unreasonably withheld or
delayed. If you do, we may reduce or refuse your claim to
the extent we are prejudiced. 
35 
PART C – Important things you need to know

Fraud 
When making a claim you have a responsibility to assist
us and to act in an honest and truthful manner.
If any claim is fraudulent in any way or if you or anyone
acting on your behalf uses fraudulent means to make a
claim on the cover described in this Policy Information
Booklet, then no payment will be made in regard to the
claim. Also, the Bank will be informed of the situation and
you may no longer be eligible for the cover described in
this Policy Information Booklet.
You can help by reporting insurance fraud by calling
Allianz Global Assistance on 1800 453 937.
All information will be treated as confidential and
protected to the full extent under law. 
Recovery 
If we or you have a claim against someone in relation to
the money we have to pay or we have paid under your
policy, you must take reasonable steps to help us recover
that potential or actual outlay in legal proceedings. If you
are aware of any third party that you or we may recover
money from, you must take reasonable steps to inform us
of such third party.
When making a claim you should tell us about any other
insurance under which you are or might be able to claim.
We may, at our discretion, undertake in your name and
on your behalf, control and settle proceedings for our
own benefit in your name to recover compensation or
secure indemnity from any party in respect of anything
covered by this Policy Information Booklet. We will act
reasonably having regard to your interests, and will keep
you informed if you ask us to.
You are to assist and permit to be done, everything
reasonably required by us for the purpose of recovering
compensation or securing indemnity from other parties
to which we may become entitled or subrogated, upon us
paying your claim under this Policy Information Booklet
regardless of whether we have yet paid your claim and
whether or not the amount we pay you is less than full
compensation for your loss. These rights exist regardless
of whether your claim is paid under a non-indemnity or
an indemnity clause of this Policy Information Booklet. 
PART C – Important things you need to know 
36

We will apply any money we recover from someone else
under a right of subrogation in the following order: 
1.   to us, our costs (administration and legal) arising from
the recovery. 
2.   to us, an amount equal to the amount that we paid to
you under the Group Policy. 
3.   to you, your uninsured loss. 
4.   to you, your excess.
Once we pay your total loss, we will pay you the balance
of any money left over.
If we have paid your total loss and you receive a payment
from someone else for that loss or damage, you must pay
us the amount of that payment up to the amount of the
claim we paid you. 
Complaints and disputes 
If you are dissatisfied with our service in any way,
please contact us using the details on the inside front
cover of this booklet and we will attempt to resolve
the matter in accordance with our internal dispute
resolution procedures.
If we do not make a decision within the period that
we tell you we will respond, we will tell you about your
right to lodge a complaint with an external dispute
resolution scheme.
If you are not happy with our response you can refer your
complaint to AFCA subject to its terms of reference. AFCA
provides a free and independent dispute resolution service
for consumers who have general insurance disputes falling
within its terms. AFCA’s contact details are: 
The Australian Financial Complaints Authority
Online:   www.afca.org.au 
Phone:   1800 931 678 
Email:   info@afca.org.au 
Mail:   GPO Box 3, Melbourne VIC 3001 
37 
PART C – Important things you need to know

All complaints and disputes are handled and dealt with
by Allianz Global Assistance on behalf of Allianz. For
more information on how we handle complaints you
can request a copy of our procedures, using our contact
details on the inside front cover. 
General Insurance Code of Practice 
Allianz and Allianz Global Assistance proudly support
the General Insurance Code of Practice. The General
Insurance Code of Practice was developed by the
Insurance Council of Australia to further raise standards
of practice and service across the insurance industry. The
Code Governance Committee (CGC) is an independent
body that monitors and enforces insurers’ compliance
with the Code.
You can obtain more information on the Code of Practice
and how it assists you by contacting us. Contact details
are provided on the inside front cover of this booklet. For
more information on the Code Governance Committee
(CGC) go to www.insurancecode.org.au. 
Definitions 
When the following words and phrases appear in this
Policy Information Booklet they have the meanings given
below. The use of the singular shall also include the use
of the plural and vice versa. 
Accident, accidental, accidentally   means any sudden
and unexpected physical event not intended by you. 
Accompanying   means travelling with the insured person
for the journey. 
Accountholder   means a customer of the Bank, being
an individual, business entity or company, who has
entered into a card account with the Bank and in whose
name the card account was opened. The accountholder
is the individual, business entity or company that has
contractual obligations with the Bank under the card
account. 
Allianz   means Allianz Australia Insurance Limited
ABN 15 000 122 850, AFSL 234708. 
Allianz Global Assistance   means AWP Australia Pty Ltd
ABN 52 097 227 177, AFSL 245631. 
PART C – Important things you need to know 
38

Bank   means Westpac Banking Corporation ABN 33 007
457 141, AFSL and Australian credit licence 233714. 
Card   means a current and valid Level 1 Card or Level
2 Card issued by the Bank. An eligible card that is
cancelled or suspended is not current and valid. 
Card account   means:
•   a current and valid card facility provided by the Bank
to which purchases made by cardholders on a card are
charged; or
•   the primary account linked to a card issued by the
Bank to which a transaction is routed by any electronic
funds transfer facility. 
Cardholder   means a person who resides in Australia
(including holders of a visa issued under the Migration
Act 1958 (Cth) which entitles the holder of the visa to
residency) to whom the Bank has issued a card (this
includes primary and additional cardholders). 
Carrier   means an aircraft, train, tram, vessel or other
scheduled transport operated under a licence for the
purpose of transporting passengers. However, it does not
mean a taxi, limousine or similar service. 
Chronic   means a persistent and lasting condition. It may
have a pattern of relapse and remission. 
Concealed storage compartment   means a boot, trunk,
glove box, enclosed centre console, or concealed cargo
area of a motor vehicle. 
Covered item   means an item acquired for personal,
domestic or household use but excludes:
•   items acquired for the purpose of sale or trade;
•   animals or plant life;
•   boats, automobiles, motorboats, motorcycles,
airplanes or any other motorised vehicles and their
integral parts and installed accessories;
•   computer software and other non-tangible items; cash,
bullion, negotiable instruments, vouchers, gift cards,
securities, trading cards, tickets of any description,
travellers cheques or collections such as stamps, coins
and cards; 
39 
PART C – Important things you need to know

•   consumable or perishable items (including but not
limited to food, drink, drugs, cosmetics, fuel or oil);
•   manuscripts and books of account;
•   second-hand items including works of art and antiques;
•   items of contraband;
•   real estate and movable fixtures or fittings (including
but not limited to dishwashers, stoves, ovens and fixed
air conditioners) which are or are intended to form part
of any residence or real estate. 
Dependant   means your child or grandchild (including
step-child, adopted child, foster child and child you care
for under a legal guardian arrangement), and who are:
•   not in full-time employment;
•   accompanying you on the journey; and
•   aged under 25 years at the time eligibility for
cover is met.
Dependant does not include any other person. 
Depreciation   means the deduction from the original
purchase price of an amount calculated to be the
reduction in value because of wear and tear and/or the
passing of time. 
Epidemic   means an infectious disease that rapidly
spreads to a large number of people in a community,
population, or region. 
Excess   means the deduction we will make from the amount
otherwise payable for each claimable incident or event. 
Financial default   means insolvency, bankruptcy,
provisional liquidation, financial collapse, appointment of
receivers, or any other form of insolvency administration
or the happening of anything of a similar nature under
the laws of any jurisdiction. 
Group Policy   means an insurance policy on the terms
and conditions set out in this booklet, issued by Allianz
Global Assistance on behalf of the Insurer Allianz, under
which the Insurer does, by operation of section 48 of the
Insurance Contracts Act, provide insurance cover benefits
for cardholders (including spouses and/or dependants/s)
as third party beneficiaries (as that term is defined in the
Insurance Contracts Act). 
PART C – Important things you need to know 
40

Home   means the place where you normally live in
Australia. 
Hospital   means an established hospital registered under
any legislation that applies to it, that provides in-patient
medical care. It does not include any institution used
primarily as a residential care facility, a health retreat, or
a rehabilitation or external care facility for the treatment
of alcoholism, drug addiction or substance addiction. 
Injure, injured   or   injury   means bodily injury caused solely
and directly by violent, accidental, visible and external
means, which happens at a definite time and place
during the period of cover available and does not result
from any illness, sickness or disease. 
Jewellery   means a form of personal adornment, such
as brooches, rings, necklaces, earrings, and bracelets. It
does not include watches or items of clothing. 
Journey   means from the time you leave your home or
your place of employment or business to commence your
travel and ends when you:
•   return to your home; or
•   arrive at a hospital or residential care facility in
Australia (if you are evacuated or repatriated for
medical reasons), whichever happens first. 
Legal costs   means fees, costs and expenses (including
any applicable taxes and charges) in connection with
a legal action. It also means any costs which you are
ordered to pay by a court or arbitrator (other than any
fine or penalty, or aggravated, punitive, exemplary or
liquidated damages) or any other costs we agree to pay. 
Level 1 Cards   means the following current and valid
Westpac issued credit cards:
•   Altitude Black Mastercard
•   Altitude Qantas Black Mastercard
•   Altitude Velocity Black Mastercard
•   Low Fee Platinum Mastercard
This includes a Westpac PartPay Card that is linked to a
current and valid card. 
41 
PART C – Important things you need to know

Level 2 Cards   means the following current and valid
Westpac issued credit cards:
•   Altitude Platinum Mastercard
•   Altitude Qantas Platinum Mastercard
•   Altitude Velocity Platinum Mastercard
This includes a Westpac PartPay Card that is linked to a
current and valid card. 
Medical adviser   means a doctor (including a clinical
psychologist) or dentist qualified to diagnose the
condition or disorder, holding the necessary current
certification in the country in which they are currently
practising, and who is not you or your travel companion,
or a relative or employee of you or your travel
companion. 
Mental illness   means any illness, condition or disorder
listed in the current edition of the Diagnostic and
Statistical Manual of Mental Disorders (Used by clinicians
and psychiatrists to diagnose psychiatric illnesses.
Consult your medical advisor for more information). 
Natural disaster   means any event or force of nature
that has catastrophic consequences, such as avalanche,
earthquake, flood, bush fire, hurricane, tornado, cyclone,
tsunami and volcanic eruption, but not epidemics or
pandemics. 
Pandemic means   an epidemic that spreads to multiple
countries, continents, or worldwide. 
Pre-existing medical   condition means a condition of
which a reasonable person in the circumstances, should
have been aware at the time of eligibility, including:
•   any dental condition; or
•   any physical condition; or
•   pregnancy; or
•   any lifelong illness; or
•   any chronic illness; or
•   any mental illness; or
•   any current or previously treated cancer,
or any condition which, in the last two (2) years: 
PART C – Important things you need to know 
42

•   was treated by surgery (including day surgery); or
•   required regular medication; or
•   required on-going treatment; or
•   was referred to a specialist medical adviser; or
•   had regular reviews or check-ups; or
•   caused admission to hospital; or
•   was treated at a hospital emergency department or
out-patient clinic. 
Proof of your ownership,   proof of purchase   or 
value   means receipts, invoices, valuations, and other
documents directly showing ownership and value. Where
direct proof of ownership or valuation is not reasonably
available to the insured, and depending upon the
value and nature of the claim, it can include statutory
declarations or other information which show the insured
is most likely the owner. 
Quad bike   means a motorised vehicle designed to travel
on four or more wheels, having a seat straddled by the
operator and handlebars for steering control. 
Reasonable   or   reasonably   means:
•   for covered booking and travel related expenses,
a level comparable to those you have booked for
the rest of your journey; if no similar booked travel
arrangements or for covered expenses of relatives,
a level that is appropriate and moderate in the
circumstances; not extravagant;
•   for situations where we ask you to do something
such as to assist us or to or provide documents or
information or to take reasonable care or to make
reasonable efforts - to the extent that is practically
achievable by you and within your control or ability
using ordinary efforts;
•   for reasonable medical advice, advice provided by
a doctor or other medically qualified practitioner
experienced in the medical issue in question and
engaged either on your behalf or on behalf of Allianz
Global Assistance to provide medical advice;
•   reasonable legal costs or expenses: means the usual or
normal legal costs and expenses incurred in defending
or settling a claim, including engaging a mid-tier firm
of lawyers, their reasonable disbursements, etc; not
extravagant; 
43 
PART C – Important things you need to know

•   for conduct, acts or knowledge of ‘a reasonable
person’, what would be expected of an average person
in the circumstances, and achievable by the insured
through normal endeavours;
•   for any other circumstances, including conduct or acts
of a reasonable person - what is reasonable in the
circumstances, having regard to common community
standards, and fairness. 
Relative   means only a grandparent, parent, parent-in-
law, step parent, step parent-in-law, sister, step sister,
sister-in-law, brother, step brother, brother-in-law, spouse,
partner, fiancé(e), son, son-in-law, daughter, daughter-in-
law, step child, foster child, grandchild, ward or guardian. 
Rental vehicle   means a campervan/motorhome that
does not exceed 4.5 tonnes, a sedan, coupe, hatchback,
station-wagon, SUV, four wheel drive or mini bus/
people mover, rented from a licensed rental company or
agency. Rental vehicle does not include any other vehicle
irrespective of use or weight. 
Sick   or   sickness   means a medical condition (including
a mental illness), not being an injury, the symptoms of
which first occur or manifest during the period of cover
available. 
Return domestic flight ticket   means a flight ticket to and
from a destination in Australia and its territories on a
scheduled commercial passenger airline. 
Snow sport equipment   means skis, poles, boots, bindings
or snowboards. Snow sport equipment does not include
any equipment other than the equipment listed. 
Sporting equipment   means equipment needed and
used to participate in a particular sport and which can be
carried about with you. 
Spouse   means the partner of the cardholder who is in a
permanent relationship with the cardholder at the time
the journey starts. 
Transaction card   means a debit card, credit card or
travel money card. 
PART C – Important things you need to know 
44

Travel companion   means a person with whom you made
arrangements before the journey began, to travel with
you for at least 50% of the period of cover available for
your journey. Travel companion does not include any
other person. 
Valuables   means jewellery, antiques, curios or works
of art, watches, semi-precious/ precious metals or
semi-precious stones/precious stones and items made
of or containing semi-precious/ precious metals or
semi-precious stones/precious stones, furs, binoculars,
telescopes, any kind of photographic, audio, video,
computer (including monitors), fax or phone equipment
(including mobile phones), tablets, MP3/4 players and
PDAs. 
Vehicle   means any car, van or bus (including but not
limited to a coupe, hatchback, station wagon, SUV/4WD
or campervan), motorcycle, moped or scooter. 
We, our, us   means Allianz Australia Insurance Limited
ABN 15 000 122 850, AFSL 234708. 
You, your, yourself   and   insured person   means each
person eligible for the cover available under the group
policy. 
Westpac   means Westpac Banking Corporation, ABN 33
007 457 141, AFSL and Australian credit licence 233714. 
45 
PART C – Important things you need to know

PART C – Important things you need to know 
46

47 
PART C – Important things you need to know

xxx 
IMP3746 
We’re here to help 
For claims and enquiries, contact t
Allianz Global Assistance on 
1800 091 710 ,
Monday to Friday: 8am to 8pm AEST
Saturday: 8am to 5pm AEST
For Card related queries,
contact Westpac on 
132 032 ,
8.00am to 8.00pm EST, 
Mon-Fri, excl. public holidays 
westpac.com.au
Ask at any branch

---

# Source: https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/WBC_Credit_Card_International_Travel_Insurance_PDS.pdf

Westpac Credit Card
International
Travel
Insurance
Effective: 1 October 2026
Product Disclosure Statements

Contact Allianz Global Assistance 
Sales and general enquiries
1800 091 710
Monday to Friday 8am to 8pm AEST
Saturday 8am to 5pm AEST 
24 hour Emergency Assistance 
+61 7 3305 7468 (overseas)
1800 227 773 (within Australia)
Please note additional charges may apply for any calls
made from mobiles, public telephones or hotel rooms. 
This document includes the following insurances
under the following product disclosure statements: 
Complimentary International Medical Travel Insurance via
the Group Policy; and
Comprehensive International Travel Insurance 
These insurances are issued and managed by 
AWP Australia Pty Ltd trading as Allianz Global Assistance
ABN 52 097 227 177 AFS Licence 245631 as an agent for
Allianz Australia Insurance Limited
Registered Office
Level 16, 310 Ann Street Brisbane QLD 4000 
These insurances are insured by 
Allianz Australia Insurance Limited
ABN 15 000 122 850 AFS Licence 234708
Registered Office
Level 16, 10 Carrington Street Sydney NSW 2000

Contents
PART A   Summary of cover available   2 
Eligible cards   5 
How to activate and upgrade   6 
Who is the Insurer?   8 
Who is Allianz Global Assistance?   8 
PART B   Complimentary International   9
Medical Travel Insurance 
Group Policy   10 
The Bank is not the issuer or insurer of the covers   11 
Termination or Variation of cover   11 
Other Insurances   12 
The Cover   13 
Table of benefits   16 
General Exclusions   33 
PART C   Comprehensive International Travel Insurance   40 
About this Product Disclosure Statement   41 
Understanding this product and its important   42
terms and conditions 
Updating the PDS   43 
Your duty to take reasonable care not to   43
make a misrepresentation 
Other Insurances   44 
Purchasing this Product   45 
Applying for cover   46 
Your insurance premium   47 
Cooling Off Period   48 
Period of Cover   50 
Table of Benefits   53 
Excesses   58 
Policy Benefits   68 
Snow Pack   103 
General Exclusions to Part C   113 
PART D   Important things you need to know in both PDSs   121 
Limitation of cover   122 
Jurisdiction and choice of law   122 
General Insurance Code of Practice   122 
Financial Claims Scheme   123 
Privacy Notice   123 
Claims   126 
Our Definitions   135

PART A
Summary of
cover available 
2

Subject to activation and meeting eligibility criteria, as
a cardholder you have access to both complimentary
benefits and access to purchase upgrades.
Depending on your card type, and subject to meeting
eligibility criteria, you can access certain insurance
benefits under your Bank’s Group Policy set out in the
PDS for the Complimentary International Medical
Travel Insurance, providing benefits included with your
card at no added cost to you. You also have the option
to purchase further cover set out in the PDS for the
Comprehensive International
Travel Insurance that are not included with your card.
You must activate the cover and fulfil the eligibility
criteria for your card type in order to access both the
Complimentary International Medical Travel Insurance
and the purchased cover in the Comprehensive
International Travel Insurance of these Product
Disclosure Statements.
All benefits listed below in this Part A are a summary
only. Terms, conditions, exclusions, limits and applicable
sub-limits apply. Please refer to the relevant parts for
more information. 
Summaries of the Complimentary
International Medical Travel
Insurance and the Comprehensive
International Travel Insurance 
You must Activate your   Complimentary
International Medical Travel Insurance   and meet
all of the eligibility criteria in order to access any of
the benefits available to you. For more information,
see the ‘How to activate your Complimentary
International Medical Travel Insurance and upgrade
your cover’ section on page 6. PART A – SUMMARY 
3

Benefits
Complimentary
International
Medical Travel
Insurance
Comprehensive
International
Travel
Insurance
Activation
required
Premium
payable 
Overseas
Emergency
Assistance
(including Medical
Evacuation and
Repatriation)
Included
Overseas Medical &
Hospital Expenses
(including Dental)
Included
Funeral Expenses   Included
Personal Liability   Included
Accidental Death
Permanent
Disability
Hospital Cash
Allowance
Cancellation
Additional
Expenses
Travel Delay
Expenses
Alternative
Transport Expenses
Luggage, Personal
Effects & Valuables
Luggage &
Personal Effects
Delay Expenses
Travel Documents,
Transaction Cards &
Travellers Cheques
Theft of Cash
Rental Vehicle
Excess 
4 PART A – SUMMARY

Optional Covers:   The below Optional Covers
are available upon purchase of an upgrade to
Comprehensive International Travel Insurance.
An additional premium may be payable for
Optional Covers. 
Optional
Covers
Complimentary
International
Medical Travel
Insurance
Comprehensive
International
Travel
Insurance 
+   Pre-Existing
Medical
Conditions cover
+ Cruise Pack
+ Snow Pack
+ Adventure Pack
+   Increased Item
Limits Cover
+   Extension of trip
duration
+   Cover for persons
aged 81 years or
over 
Eligible cards
LEVEL 1 CARDS 
•   Altitude Black Mastercard
•   Altitude Qantas Black Mastercard
•   Altitude Velocity Black Mastercard
•   Low Fee Platinum Mastercard
This includes a Westpac PartPay Card that is linked
to a current and valid Level 1 Card. 
LEVEL 2 CARDS 
•   Altitude Platinum Mastercard
•   Altitude Qantas Platinum Mastercard
•   Altitude Velocity Platinum Mastercard
This includes a Westpac PartPay Card that is linked
to a current and valid Level 2 Card. PART A – SUMMARY 
5

How to activate Complimentary
International Medical Travel
Insurance and upgrade your cover
STEP 1   Activate your Complimentary
International Medical Travel Insurance 
Check you meet eligibility criteria on page
13 including   spending at least $500   on
your prepaid travel costs on your eligible
card before leaving Australia or upgrade
your cover by purchasing Comprehensive
International Travel Insurance. 
Activate your cover   by logging in to your 
Westpac App   or   Westpac Online Banking 
or call Allianz Global Assistance
You will be asked to enter your trip details.
You can activate cover up to 12 months in
advance of your departure date.
You will need to consider if the
Complimentary International Medical
Travel Insurance cover meets your needs.
Additional cover can be obtained through
purchasing Comprehensive International
Travel Insurance (see Step 2). 
Taking your spouse and/or dependants? 
Your spouse and up to 10 dependants
are also eligible where they meet the
eligibility criteria on page 13 including
spending at least $500 on prepaid travel
costs on the accountholders card account
before leaving Australia or purchasing
Comprehensive International Travel
Insurance and travelling with you at least
50% of your journey.
Refer to Our Definitions for the definition
of spouse and dependant on pages 144
and 137. 
6 PART A – SUMMARY

STEP 2   Consider upgrading your cover
by purchasing Comprehensive
International Travel Insurance 
Consider if you need additional cover
for your trip, for example, cover for trip
cancellation, travel delay or luggage
by referring to Part C - Comprehensive
International Travel Insurance Benefits
summary on page 4 and   Table of Benefits 
for Comprehensive International Travel
Insurance on page 53.
Additional cover is available by
purchasing Comprehensive International
Travel Insurance. 
STEP 3   Purchase Optional Covers if required 
Once you purchase Comprehensive
International Travel Insurance, you will
also have access to purchase Optional
Covers including cover for pre-existing
medical conditions and activities such
as cruising and snow sports. PART A – SUMMARY 
7

Who is the Insurer? 
The insurance cover described in the
Policy Information Booklet are insured by 
Allianz Australia Insurance Limited 
ABN 15 000 122 850
AFS Licence No. 234708 (Allianz),
telephone 132 664. 
Who is Allianz Global Assistance? 
Allianz Global Assistance is a trading name of AWP
Australia Pty Ltd ABN 52 097 227 177 AFS Licence No.
245631, of Level 16, 310 Ann Street, Brisbane, QLD 4000,
telephone (07) 3305 7000. Allianz Global Assistance
is authorised by Allianz to issue and manage the
insurances, (including the Comprehensive International
Travel Insurance and the Complimentary International
Medical Travel Insurance, under the Group Policy entered
into with the Bank on behalf of Allianz). Allianz Global
Assistance is also authorised to deal with and settle any
claims under them, as the agent of Allianz, not as your
agent. Allianz Global Assistance acts under a binder
which means that it can do these things as if it were the
insurer. It administers all the benefits of these insurances.
For all assistance services, you may contact Allianz
Global Assistance 24 hours a day, 7 days a week. 
8 PART A – SUMMARY

PART B
Complimentary
International
Medical Travel
Insurance PDS 
9

Group Policy 
This Complimentary International Medical Travel
Insurance is made available pursuant to the Group Policy
issued to the Bank. Activation of the cover under this
section does not establish an insurance contract or create
a retail insurance relationship between you and the
Bank, Allianz Global Assistance or Allianz.
Any references in this Part B – Complimentary
International Medical Travel Insurance to the cover
provided in Part C – Comprehensive International Travel
Insurance do not form part of the wording of this Part B
and are included for information purposes only.
Part B – Complimentary International Medical Travel
Insurance is a PDS which describes the complimentary
insurance benefits provided by Allianz which are
available to cardholders and other eligible beneficiaries.
This Complimentary International Medical Travel
Insurance applies to cover that is activated on or after
1 October 2026.
For general enquiries call Allianz Global Assistance.
Allianz Global Assistance issues and manages the
Group Policy on behalf of Allianz.
The cover described in this Part B – Complimentary
International Medical Travel Insurance is available for
your benefit subject to activation and eligibility criteria
being met, under a Group Policy entered into between
Allianz Global Assistance on behalf of Allianz and the
Bank. The Bank is the Group Policy owner. When eligible
and once activated, you have the benefit of cover as
a third party beneficiary by reason of the statutory
operation of Section 48 of the Insurance Contracts Act
1984 (Cth). There is no obligation to accept any of these
benefits. However, if you wish to claim any of these
benefits, you will be bound by the definitions, terms,
conditions, exclusions, limits, applicable sub-limits and
claims procedures contained in the complimentary
cover in Part B. 
Please read the PDS for the Complimentary
International Medical Travel Insurance carefully
and keep it in a safe place.   Also please keep detailed
particulars and proof of any loss. Examples may include
sales receipts and card account statements showing
any purchases. 
10 PART B – COMPLIMENTARY

The Bank is not the issuer or
insurer of the covers 
The Bank is not the issuer or insurer of the Group Policy
or the Product Disclosure Statements and neither it nor
any of its related corporations guarantee or are liable
to pay any of the benefits under the covers available.
These benefits are available to the beneficiaries upon
meeting the eligibility under these covers. Neither the
Bank nor any of its related corporations are Authorised
Representatives of Allianz, Allianz Global Assistance or
their related companies and the Bank does not receive
any commission or remuneration in relation to the covers
set out in the Complimentary International Medical
Travel Insurance. 
Termination or variation of cover 
The Bank or Allianz may terminate or agree to vary the
terms, conditions and cover available to cardholders
under the Group Policy as set out in this Part B. If this
occurs, the Bank will give the accountholder at least
30 days’ written notice before the termination or change
takes effect. The Bank may give less notice, or publish
the notice on the Bank’s website if:
•   there is a minor change with no effect to the
cardholders’ cover or eligibility criteria (e.g. change
of contact details);
•   the variation is favourable to the cardholder (in which
case the Bank will take reasonable steps to provide
written notice as soon as reasonably possible); or
•   the Bank and Allianz are reasonably required to act
quickly to change the terms of the Group Policy to
manage a material and immediate risk arising from: 
a)   a potential or actual breach of any law; or 
b)   a proposed change in, or interpretation of, a law or
any decision, recommendation, regulatory guidance
or standard of any court, tribunal, ombudsman
service, regulatory or other similar body.
A risk will be considered material and immediate if to
protect the Bank’s and/or Allianz’s legitimate business
interests, the Bank and/or Allianz are required to act
quickly to change the terms, conditions and/or cover, or
terminate the cover, as set out in this Part B. PART B – COMPLIMENTARY 
11

Where there is a termination or change to the
terms, conditions and/or cover as set out in Part B -
Complimentary International Medical Travel Insurance,
the existing terms, conditions and/or cover will only apply
to cover that is activated before the date of the change
or termination. Where the Group Policy is terminated,
no cover is available for activation after the date of
termination. The Bank will provide accountholders
with details of any replacement cover and its relevant
effective date.
If you have activated your cover, you will be covered
under the benefits of the PDS in Part B - Complimentary
International Medical Travel Insurance, and, if purchased,
the PDS in Part C - Comprehensive International Travel
Insurance, for the dates listed on your Letter of Eligibility
or Certificate of Insurance regardless of whether the
Group Policy has been terminated or varied. 
Other Insurances 
If you are entitled to receive a benefit or make a claim
under another insurance policy (Other Policy) (for
example, a travel insurance policy you purchased
separately for your overseas journey), in respect of the
same loss as your claim under this Group Policy, then,
subject to the provisions of the Insurance Contracts Act
1984 (Cth), Allianz is not liable to provide indemnity
under this Group Policy until the amount of any indemnity
under that Other Policy is exhausted. In other words,
any cover made available under this Group Policy in
respect of the same loss shall only be excess insurance
cover over and above the applicable Other Policy. If you
make a claim under another insurance policy and you
are not paid the full amount of the claim, then, subject to
the provisions of the Insurance Contracts Act 1984 (Cth),
the cover made available to you under the Group Policy
will make up the difference, to the extent of cover that
applies, in accordance with the terms and conditions
contained in this Part B. Should we make payment to you
for the full amount of the claim, we may seek contribution
from your other insurer. In such circumstances, you must
give us any information that we reasonably require to
help us make a contribution claim from the other insurer.
The above clause does not apply to the purchase of
an upgrade to Comprehensive International Travel
Insurance) under Part C of this document and will only
apply to separately purchased policies. 
12 PART B – COMPLIMENTARY

The Cover 
Complimentary
International
Medical Travel
Insurance
You must meet all of the eligibility criteria below,
including activation of the   Complimentary International
Medical Travel Insurance   for access to cover - see page
6 for how to activate. You can activate cover up to
12 months in advance of your journey. 
Eligibility 
As a Level 1 Card or Level 2 Card cardholder you are
eligible for cover under Complimentary International
Medical Travel Insurance when you meet all of the
following eligibility criteria: 
1.   you activate cover for your journey before leaving
Australia via Westpac App or Online Banking, or call
Allianz Global Assistance; and 
2.   before leaving Australia you spend at least $500 on
your prepaid travel costs on your eligible card or you
upgrade your cover by purchasing Comprehensive
International Travel Insurance. Prepaid travel costs
include your return overseas travel ticket, your
prepaid overseas accommodation, your prepaid
cruise, travel or tour; and 
3.   you have a permanent home in Australia and you:
•   are a permanent resident of Australia; or
•   hold a current Australian visa - but not a tourist or
working holiday visa- that will remain valid after
your journey ends and allows you unrestricted
right of entry into Australia; or
•   hold a valid Australian Medicare card; and PART B – COMPLIMENTARY 
13

4.   you have a return overseas travel ticket before
leaving Australia. 
Important:   Complimentary International Medical
Travel Insurance is only available to eligible
cardholders and spouses   under the age of 81 years .
Cardholders and spouses aged 81 years or over can
consider purchasing a Comprehensive International
Travel Insurance.
In order to be eligible to claim under Complimentary
International Medical Travel Insurance your eligible card
must remain current and valid for the entire duration of
your journey. 
WHO ELSE IS ELIGIBLE? 
If the cardholder is eligible for the cover under this
Complimentary International Medical Travel Insurance,
the cardholder’s spouse and up to 10 dependants also
become eligible, when each of them individually meets
all of the following eligibility criteria: 
1.   you   activate   cover for your spouse and/or
dependant(s) journey before leaving Australia via
Westpac App or Online Banking, or call Allianz
Global Assistance; and 
2.   before leaving Australia at least $500 of each of the
spouse and/or dependant/s prepaid travel costs are
charged to the accountholder’s card account or they
upgrade their cover by purchasing Comprehensive
International Travel Insurance. Prepaid travel costs
include your return overseas travel ticket, your
prepaid overseas accommodation, your prepaid
cruise, travel or tour; and 
3.   the spouse and/or dependant(s) have a permanent
home in Australia and:
•   are a permanent resident of Australia; or
•   hold a current Australian visa - but not a tourist or
working holiday visa- that will remain valid after
your journey ends and allows you unrestricted right
of entry into Australia ; or
•   hold a valid Australian Medicare card; and 
14 PART B – COMPLIMENTARY

4.   any dependants are aged under 25 years old at the
time the cardholder activates this cover; and 
5.   each spouse and/or dependant has a return overseas
travel ticket before leaving Australia; and 
6.   each spouse and/or dependent is travelling with
the cardholder for at least 50% of the period of
cover made available to the cardholder for the
cardholder’s journey. 
Important:   Complimentary International Medical
Travel Insurance is only available to eligible
cardholders and spouses   under the age of 81 years .
Cardholders and spouses aged 81 years or over can
consider purchasing a Comprehensive International
Travel Insurance. 
Period of Cover 
If you have met all of the eligibility criteria listed under
the Eligibility section including activating your cover
before leaving Australia, the following maximum period
of cover is available for your journey. 
Card   Period of Cover 
Level 1 Cards
Up to three (3) consecutive months
for cardholders, their spouses and/
or dependants from the date you
commence your journey
Level 2 Cards
Up to one (1) month for cardholders,
their spouses and/or dependants from
the date you commence your journey
The maximum period of cover available for your journey
cannot be extended by you unless you purchase a
Comprehensive International Travel Insurance.
Provided you meet the eligibility criteria listed under
Eligibility, the period of cover available commences when
you leave your home or your place of employment or
business to start your journey, or on the departure date
shown on your Letter of Eligibility, whichever occurs later. PART B – COMPLIMENTARY 
15

WHEN DOES MY COVER END? 
Cover ends when the first of the following occurs:
•   when you return to your home; or
•   when you arrive at a hospital or nursing home in
Australia (if you are evacuated or repatriated); or
•   three (3) consecutive months for Level 1 Card
cardholders, spouses and/or dependant(s) or one (1)
month for Level 2 Card cardholders, spouses and/or
dependant(s) after the date of departure shown on
your return overseas travel ticket.
If, during your period of cover, your return to Australia
is delayed due to an event that is covered under this
Complimentary International Medical Travel Insurance,
or because your scheduled means of transport is delayed
for reasons beyond your control:
•   the period of cover available will automatically be
extended by us for up to four (4) consecutive weeks; or
•   if you are under the care of a medical adviser overseas,
who certifies in writing that you are incapable of travel
at the end of the additional four (4) consecutive weeks,
cover will continue for expenses and evacuation for
up to twelve (12) consecutive months from the date of
your departure from Australia; or
•   until you are medically fit to return to Australia.
The cover will end on the date that Allianz Global
Assistance would have been able to reasonably
facilitate your return to Australia, provided this falls
within 12 consecutive months from the date of your
departure from Australia. 
Table of Benefits 
The table below sets out the benefits that apply to the
Complimentary International Medical Travel Insurance.
This table is a summary only.   Please carefully read the
PDS for the Complimentary International Medical
Travel Insurance in full to ensure you understand the
extent of cover provided and limitations (including
any sub-limits) that apply. 
16 PART B – COMPLIMENTARY

All limits and sub-limits in the table are shown in
Australian dollars.
All costs and expenses claimed must be necessary and
reasonable.
Limits are either for a Cardholder travelling alone or
with dependants or for a Cardholder & Spouse travelling
together including any dependants. Dependants are
included in the limits available. For clarity, a cardholder
can only claim under one set of benefit limits per journey,
not both. 
Complimentary International Medical
Travel Insurance Level 1 & Level 2 Cards
Benefit   Excess
Cardholder
Limit
Cardholder
& Spouse
Limit 
Dependants are included in
the limits available 
1.1   Overseas
Emergency
Assistance (including
Medical Evacuation
and Repatriation) ^ 
No   $20 million   $40 million
1.2   Overseas
Medical & Hospital
Expenses (including
Dental) ^ 
Yes   $20 million   $40 million
1.3   Funeral
Expenses ^   No   $60,000   $120,000
6.1   Personal
Liability #   Yes   $5 million   $5 million
^   you do not have cover under this benefit while travelling in Australia. 
#   you will not have cover under Benefit 6.1 Personal Liability for any claims arising
from your participation in any activity not listed under Activities included in this
product on pages 21 to 23. There is no cover under benefit 6.1 Personal Liability
for your participation in snow sports activities. If you purchase Comprehensive
International Travel Insurance and the Adventure Pack or Snow Pack, there is no
cover for Benefit 6.1 Personal Liability for participation in any of the activities listed
under the Adventure Pack or snow sport activities. PART B – COMPLIMENTARY 
17

Excesses 
An excess is an amount which may be deducted from
any claim payment we make to you. Please read the
following information about the excesses which may
apply to Complimentary International Medical
Travel Insurance.
You must pay the following excess amounts for each
event causing a claim under the following benefits. If you
make more than one claim as a result of a single event,
only one excess is payable. 
Complimentary International Medical
Travel Insurance Level 1 & Level 2 Cards
Benefit   Excess
1.1   Overseas Emergency Assistance (including
Medical Evacuation and Repatriation)   Nil
1.2   Overseas Medical & Hospital Expenses
(including Dental)   $500
1.3   Funeral Expenses   Nil
6.1   Personal Liability   $500 
If you purchase Comprehensive International Travel
Insurance, any variation of the base excess for the
Comprehensive International Travel Insurance will apply
to claims made for the benefits in this Complimentary
International Medical Travel Insurance. 
The Cover Available
EPIDEMICS AND PANDEMICS
(SUCH AS COVID-19) 
If during your period of cover, you are positively
diagnosed as suffering a sickness recognised as an
epidemic or pandemic, such as COVID-19, cover is
available to you under the following benefits within
Complimentary International Medical Travel Insurance: 
1.1   Overseas Emergency Assistance
(including Medical Evacuation and Repatriation)
1.2   Overseas Medical & Hospital Expenses
(including Dental)
1.3   Funeral Expenses 
18 PART B – COMPLIMENTARY

Terms, conditions, exclusions, limits and applicable
sub-limits apply. Please refer to the   General Exclusions
for Complimentary International Medical Travel
Insurance   on page 33 and the exclusions set out in each
of the sections listed above. For all other sections and
any other claim arising from, or related to, epidemics
or pandemics, there is no cover. 
TRAVEL DURING PREGNANCY 
If you know you are pregnant at the time of activating
your Complimentary International Medical Travel
Insurance, and:
•   you have had pregnancy complications* with this
or a previous pregnancy; or
•   you are expecting more than one child,
there is no cover under Complimentary International
Medical Travel Insurance.
However, you may consider purchasing an upgrade to
a Comprehensive International Travel Insurance and
apply to include cover under it for claims arising directly
or indirectly from your pregnancy by completing our
medical assessment.
Otherwise, you do not need to tell us about your
pregnancy as your Complimentary International Medical
Travel Insurance will automatically provide cover for
pregnancy-related claims arising from an unforeseen
event, as long as:
•   the event occurred prior to the 24th week of your
pregnancy; and
•   it is not something excluded under Complimentary
International Medical Travel Insurance.
This automatic cover will also apply if you become
pregnant or discover you are pregnant after activation. 
Important:   the cover provided under Complimentary
International Medical Travel Insurance in relation to
pregnancy is for unforeseen events only. PART B – COMPLIMENTARY 
19

This Complimentary International Medical Travel
Insurance will never provide any cover for:
•   a pregnancy once it is 24 weeks or more gestation; or
•   any expenses for routine or regular antenatal care; or
•   childbirth at any stage of your pregnancy or costs
relating to the care or health of a newborn child, other
than as a result of an accident occurring prior to the
24th week of your pregnancy which:
•   causes you to give birth prematurely; or
•   requires you to be admitted to hospital beyond the
24th week of your pregnancy, during which time
your child is born.
*We define ‘pregnancy complications’ as meaning a medical condition for which
the diagnosis is distinct from pregnancy but is caused by or adversely affected by
pregnancy.
Please ensure you also read all the other sections
of the Complimentary International Medical
Travel Insurance so that you are aware of the
limitations and extent of the cover provided.
In particular, please consider the   General Exclusions
for Complimentary International Medical Travel
Insurance   on pages 33 to 39 and   Our Definitions   on
pages 135 to 144 in Part D. 
PRE-EXISTING MEDICAL CONDITIONS 
There is no cover for any claims arising from, related to
or associated with your pre-existing medical conditions
under Complimentary International Medical Travel
Insurance. Please ensure you read the definition of
Pre-Existing Medical Condition in the   Our Definitions 
section on pages 135 to 144.
The following paragraphs a) to c) are included for
information purposes only and are not part of the
cover provided by the PDS in Part B for Complimentary
International Medical Travel Insurance: 
a)   Cover may be available under Comprehensive
International Travel Insurance for pre-existing
medical conditions (refer to Parts C & D of this
document). 
20 PART B – COMPLIMENTARY

b)   Please ensure that you read the definition of pre-
existing medical condition in the   Our Definitions 
section on pages 135 to 144 in Part D. The definition
makes reference to ‘a condition of which a reasonable
person in the circumstances, should have been aware
at the time of issue of the Certificate of Insurance’.
Reference to a reasonable person is a reference to
what would be expected of an average person in the
circumstances. 
c)   Any claims arising from, related to or associated
with your pre-existing medical condition will only
be included if you have purchased Comprehensive
International Travel Insurance and you have disclosed
the condition to Allianz Global Assistance by applying
for cover for your pre-existing medical condition and
they have agreed in writing to include cover under
your Comprehensive International Travel Insurance
for the condition. An additional premium may apply.
Please ensure you also read all the other sections
of the Complimentary International Medical
Travel Insurance so that you are aware of the
limitations and extent of the cover provided.
In particular, please consider the   General Exclusions
for Complimentary International Medical Travel
Insurance   on pages 33 to 39 and   Our Definitions   on
pages 135 to 144 in Part D. 
ACTIVITIES INCLUDED IN THIS PRODUCT 
This Complimentary International Medical Travel
Insurance automatically provides cover for your
participation in the activities listed under the 
Included activities   section during your journey.
Additional activities are available in our   Optional Covers 
section, if you purchase an upgrade to a Comprehensive
International Travel Insurance and the relevant pack.
The   Optional Covers   section on pages 56 to 57 details
the other activities for which cover can be purchased. PART B – COMPLIMENTARY 
21

It is important you are aware of the limitations and extent
of cover this Complimentary International Medical Travel
Insurance provides. Please ensure you read and consider:
•   information about the benefit under which your claim
is made;
•   all the other sections of the   Complimentary
International Medical Travel Insurance ;
•   the   General Exclusions   on pages 33 to 39; and
•   Our Definitions   on pages 135 to 144 of Part D. 
INCLUDED ACTIVITIES 
•   aqua zorbing;
•   archery;
•   bar and restaurant work (excluding security or crowd
control);
•   bicycling (excluding bicycle motocross (BMX) or
downhill mountain biking);
•   bungee jumping or canyon swinging;
•   camel, donkey or elephant riding (under appropriate
supervision);
•   dancing;
•   dog sledding;
•   diving underwater at a depth no greater than 10 metres;
•   diving underwater using an artificial breathing
apparatus at a depth no greater than 10 metres (in
order to be covered for this activity, you must hold an
open water diving licence recognised in Australia, or
dive with an instructor licensed for these activities, and
note that restrictions apply - refer to   General Exclusion
‘Diving alone’ );
•   fishing (on land or within 2 nautical miles of land);
•   fruit picking that does not involve the use of machinery;
•   go-karting;
•   golf;
•   gym activities (excluding powerlifting);
•   gymnastics (excluding competitions);
•   horse riding (excluding competitions, equestrian
events, steeple chasing, jumping, or polo);
•   ice skating on a rink (excluding competitive skating,
racing, speed skating, and tour skating); 
22 PART B – COMPLIMENTARY

•   leisure activities (meaning any activities involving
minimal physical exertion that are undertaken for
relaxation or pleasure. For example, sight-seeing,
picnics, photography and museum or art gallery visits);
•   music and singing;
•   orienteering;
•   paintball (with eye protection);
•   racing on foot as an amateur, for distances up to and
including full marathon (42.2 kilometres or 26.2 miles)
and note that restrictions apply - refer to General
Exclusions ‘Activities’ and ‘Professional sport;
•   racing in a triathlon as an amateur, for distances up
to and including a 1.5 kilometre swim, 40 kilometre
bicycle ride and 10 kilometre run, and note that
restrictions apply - refer to General Exclusions to Part B
‘Activities’ and ‘Professional sport’;
•   racquet and ball sports not involving physical contact;
•   regulated or licensed ballooning;
•   river cruising;
•   rockwall climbing (under appropriate supervision);
•   safari (under appropriate supervision, but not hunting);
•   sailing up to 10 nautical miles from land;
•   shark cage diving (subject to diving restrictions listed
above);
•   shooting (fixed target only);
•   skateboarding, roller skating, inline skating (excluding
vert skating or acrobatics);
•   snorkelling at a depth no greater than 10 metres;
•   soccer;
•   surface water activities in rivers or rapids graded I, II
or III under the International Scale of River Difficulty,
or lakes or canals (see www.waterwaysguide.org.au/
GradingSystem);
•   surface water activities (other than sailing) up to 2
nautical miles off any land mass;
•   track and field athletics; and
•   walking, hiking, trekking or tramping, peaking at
altitudes up to 3,000 metres where specialist climbing
equipment is not required (excluding expeditions to or
on the Kokoda Track/Trail). PART B – COMPLIMENTARY 
23

EXCLUDED ACTIVITIES 
This Complimentary International Medical Travel
Insurance will not provide cover for any activity not
included in the list above. For the avoidance of doubt,
the following activities are not covered:
•   Cruising meaning leisure or holiday travel as a
passenger on-board a commercially operated
sea or ocean-going vessel which has on-board
accommodation and trained medical staff, whether
or not the travel includes stopping at ports or other
locations for sightseeing. Please note, river cruising is
an included activity.
•   Skiing and snowboarding including off-piste skiing,
off-piste snowboarding, or snowmobiling
•   Riding a motorcycle, moped or motorised scooter
Additional activities including cover for some of the
activities listed above are available in our   Optional
Covers section , if you purchase Comprehensive
International Travel Insurance and the relevant pack.
The   Optional Covers   section on pages 56 to 57 details
the other activities for which cover can be purchased. 
The Cover 
In order to be sure that you are covered under this
Complimentary International Medical Travel Insurance
you should always contact Allianz Global Assistance for
approval before you incur expenses you wish to claim.
If you do not, we will pay for expenses incurred up to the
amount we would have authorised had you asked us first. 
1.1 OVERSEAS EMERGENCY ASSISTANCE
(INCLUDING MEDICAL EVACUATION AND
REPATRIATION) 
Allianz Global Assistance will help you with any overseas
medical emergency.
You can contact Allianz Global Assistance 24 hours a day,
7 days a week. 
24 PART B – COMPLIMENTARY

1.1.1 Emergency Arrangements 
Allianz Global Assistance will arrange and pay the cost
of the following assistance services overseas if, during
the period of cover for your journey, you injure yourself,
or become sick, (including if you are positively diagnosed
as suffering a sickness recognised as an epidemic or
pandemic such as COVID-19): 
a)   access to a medical adviser for emergency medical
treatment while overseas; 
b)   any messages which need to be passed on to your
family or employer in the case of an emergency, as
well as contacting relevant embassies and consulates
if required; 
c)   provision of any written guarantees for payment
under Section 1.2 of reasonable expenses for
emergency hospital treatment while overseas; 
d)   your medical transfer or evacuation if you must be
transported to the nearest overseas hospital for
emergency medical treatment or be brought back to
Australia with appropriate medical supervision; and 
e)   the return to Australia of your dependants if they are
left without supervision following your admission to
hospital or your evacuation. 
1.1.2 What we do not cover 
To the extent permitted by law, we will not pay: 
a)   for any expenses for medical evacuation unless it
has been approved by Allianz Global Assistance,
such approval shall not be unreasonably withheld or
denied. Please contact Allianz Global Assistance to
confirm approval for these costs; 
b)   for costs and expenses that you would not have
incurred had you followed reasonable medical
advice. This includes any subsequent medical,
hospital or evacuation expenses incurred when you
did not follow the reasonable medical advice; PART B – COMPLIMENTARY 
25

c)   any claims which arise directly or indirectly from
your pre-existing medical condition   (for information
purposes only and not forming part of the cover in
Part B - Complimentary International Medical Travel
Insurance, there may be cover under Part C if you
have purchased a Comprehensive International
Travel Insurance, disclosed the condition to us and
we have agreed in writing to include cover for your 
condition) ; 
d)   any claims under this benefit arising from your
participation in snow sport activities or while you are
on a cruise   (for information purposes only and not
forming part of the cover in Part B - Complimentary
International Medical Travel Insurance, there
may be cover under Part C – Comprehensive
International Travel Insurance if you have purchased
an upgrade to a Comprehensive International Travel
Insurance and purchased its Optional Cover for
these activities) .
Please ensure you also read all sections of the
Complimentary International Medical Travel
Insurance - in particular, consider the   General
Exclusions for Complimentary International
Medical Travel Insurance   on pages 33 to 39
and   Our Definitions   on pages 135 to 144 in Part D. 
1.2 OVERSEAS MEDICAL & HOSPITAL EXPENSES
(INCLUDING DENTAL)
1.2.1 What we cover
a)   If during the period of cover you injure yourself
or become sick while overseas (including if you
are positively diagnosed as suffering a sickness
recognised as an epidemic or pandemic such as
COVID-19), we will reimburse the reasonable medical
or hospital expenses you incur until you return to
Australia provided the relevant injury or sickness
is covered by your Complimentary International
Medical Travel Insurance. 
26 PART B – COMPLIMENTARY

The medical or hospital expenses must have been
incurred for treatment given or prescribed by a
medical adviser.
We will pay for treatment received and/or hospital
accommodation you require up to a maximum period
of 12 months after the sickness first presented itself or
the injury occurred.
If, after assessment of your claim, the reasonable
medical advice is that you should return to Australia for
treatment and you do not agree to do so, we will pay you
a reasonable amount up to the limit shown in the   Table
of Benefits for Complimentary International Medical
Travel Insurance   on page 17, equivalent to:
•   your medical expenses and/or related costs incurred
overseas to the date that we would have been able to
reasonably facilitate your return to Australia; plus
•   the reasonable amount it would cost to facilitate your
return to Australia; plus
•   the non-refundable portion of unused travel and
accommodation arrangements you would have
lost had you followed the advice of Allianz Global
Assistance.
You will then be responsible for any ongoing or
additional costs relating to or arising out of the event
you have claimed for. 
Overseas Dental Treatment 
Subject to the conditions above, we will cover dental
expenses that are: 
Due to an injury:   due to an injury if you are involved in an
accident while you are overseas and require treatment
as provided under sub-section 1.2.1. We will also pay
the necessary costs you incur overseas to repair damage
to your teeth caused by injuries you sustained in the
accident. 
Due to sudden onset of pain:   due to sudden onset of
dental pain that requires urgent treatment while you
are overseas. PART B – COMPLIMENTARY 
27

For cover to apply:
•   the tooth or teeth being treated must be healthy
natural teeth (including teeth restored with fillings)
with no impairment, periodontal or other conditions;
and
•   the treatment is prescribed by the treating dentist
solely for the immediate relief of sudden and acute
onset of pain due to either an infection or you biting on
something which caused the tooth to chip or break. 
1.2.2 What we do not cover 
To the extent permitted by law, we will not pay for costs
or expenses: 
a)   when you have not notified Allianz Global Assistance
as soon as reasonably practicable of your admission
to hospital; 
b)   any claims which arise directly or indirectly from
your pre-existing medical condition (for information
purposes only and not part of the cover in Part
B - Complimentary International Medical Travel
Insurance, there may be cover under Part C if you
have purchased a Comprehensive International
Travel Insurance, disclosed the condition to us
and we have agreed in writing to include cover for
your condition, in which case we will reimburse the
reasonable medical or hospital expenses you incur
until you return to Australia. The medical or hospital
expenses must have been incurred for treatment
given or prescribed by a medical adviser; however we
will not pay for the cost of medication you were on, or
the cost of a course of treatment you were receiving
at the time your journey began); 
c)   that relate to treatment exceeding more than 2
weeks by a dentist unless approved by Allianz Global
Assistance, such approval shall not be unreasonably
withheld or denied. Please contact Allianz Global
Assistance to obtain approval for these costs; 
d)   that you would not have incurred had you followed
the reasonable advice of Allianz Global Assistance
unless you can show the expense was necessarily
incurred in circumstances beyond your control; 
e)   if you have received medical care under a Reciprocal
Health Care Agreement; 
28 PART B – COMPLIMENTARY

f)   for damage to dentures, dental prostheses, bridges or
crowns; 
g)   relating to dental treatment involving the use of
precious metals or for cosmetic dentistry; 
h)   for dental treatment caused by or related to the
deterioration and/or decay of teeth; or 
i)   for routine or preventative dental treatment.
Please ensure you also read all sections of the
Complimentary International Medical Travel
Insurance - in particular, consider the   General
Exclusions for Complimentary International
Medical Travel Insurance   on pages 33 to 39
and   Our Definitions   on pages 135 to 144 in Part D. 
1.3 FUNERAL EXPENSES
1.3.1 What we cover 
If you die overseas as a result of an injury, or a sickness
(including if you are positively diagnosed as suffering
a sickness recognised as an epidemic or pandemic
such as COVID-19), during the period of cover for your
journey, we will pay for your reasonable funeral expenses
incurred overseas or the cost of bringing your remains
back to your home. The maximum amount we will pay
under this benefit is the benefit limit outlined in the   Table
of Benefits for Complimentary International Medical
Travel Insurance   on page 17. 
Please note   that we will not pay for any costs incurred in
Australia except the reasonable cost of transporting your
remains from the inbound port or airport to your home or
nominated funeral service. 
1.3.2 What we do not cover 
To the extent permitted by law, we will not pay: 
a)   for any expenses for funeral expenses incurred
overseas or bringing your remains back to your
home unless it has been approved by Allianz Global
Assistance, such approval shall not be unreasonably
withheld or denied. Please contact Allianz Global
Assistance to confirm approval for these costs; PART B – COMPLIMENTARY 
29

b)   any claims which arise directly or indirectly from
your pre-existing medical condition (for information
purposes only and not part of the cover in Part
B - Complimentary International Medical Travel
Insurance, there may be cover under Part C if you
have purchased an upgrade to Comprehensive
International Travel Insurance, disclosed the condition
to us and we have agreed in writing to include cover
for your condition you may have cover under the
Comprehensive International Travel Insurance; 
c)   any claims under this benefit arising from your
participation in snow sport activities. However,
you may have cover under   Benefit 7.8 Overseas
Emergency Snow Sport Assistance   if you
have purchased the optional   Snow Pack   under
Comprehensive International Travel Insurance; 
d)   any claims under this benefit arising while you are
on a cruise. However, you may have cover under
Benefit   7.2 Evacuation Cover - Ship to Shore   if you
have purchased the optional   Cruise Pack   under
Comprehensive International Travel Insurance.
Please ensure you also read all sections of the
Complimentary International Medical Travel
Insurance - in particular, consider the   General
Exclusions for Complimentary International
Medical Travel Insurance   on pages 33 to 39
and   Our Definitions   on pages 135 to 144 in Part D. 
6.1 PERSONAL LIABILITY
6.1.1 What we cover 
If you become legally liable to pay compensation for:
•   death or bodily injury to someone else; or
•   physical loss of, or damage to, someone else’s property,
as a result of an accident, or a series of accidents arising
out of the one event, that happens during your journey,
then we will cover you for:
•   the compensation (including legal costs) awarded
against you; and 
30 PART B – COMPLIMENTARY

•   any reasonable legal costs incurred by you for settling
or defending a claim made against you, providing you
have approval in writing from Allianz Global Assistance
before incurring these costs. If you fail to do so, we will
only pay for costs incurred up to the amount we would
have authorised had you asked us first. Please contact
Allianz Global Assistance to confirm approval for
these costs.
Where reasonably practicable, we should be told as soon
as you or your personal representatives are aware, or
a reasonable person in your circumstances would have
been aware, of a possible prosecution, inquest, fatal
injury, accident or incident which might lead to a claim
against you.
You should not pay or promise to pay, settle with, admit
or deny liability to anyone who makes a claim against
you without our written consent. If you do, we may reduce
or refuse your claim to the extent we are prejudiced. 
6.1.2 What we do not cover 
To the extent permitted by law, we will not pay any
amount you become legally liable to pay if the liability
arises directly or indirectly from, or is in any way
connected with, or is for: 
a)   bodily injury to you, your travel companion or to a
relative or employee of any of you; 
b)   loss of or damage to property belonging to, or
in the care, custody or control of you, your travel
companion, a relative or an employee of any of you; 
c)   your ownership, custody, control or use of any firearm
or weapon, aerial device, watercraft or motorised
vehicle; 
d)   your conduct of, or employment in any business,
profession, trade or occupation; 
e)   any loss, damage or expenses which are covered
or should have been covered under a statutory or
compulsory insurance, or compensation scheme or
fund, or under Workers Compensation legislation, or
an industrial award or agreement; PART B – COMPLIMENTARY 
31

f)   any fine or penalty, or aggravated, punitive,
exemplary or liquidated damages; 
g)   illness, sickness or disease that is transmitted by you; 
h)   any relief or recovery other than monetary amounts; 
i)   a contract that imposes on you a liability which you
would not otherwise have; 
j)   assault and/or battery committed by you or at your
direction; 
k)   any act intended to cause bodily injury, property
damage or liability done by you or any person acting
with your knowledge, connivance or consent; 
l)   your participation in snow sport activities or activities
not listed under the   Activities Included in this
Product   section on pages 21 to 23. 
For information purposes only and not forming part
of the Complimentary International Medical Travel
Insurance cover, if you purchase Comprehensive
International Travel Insurance, exclusion 6.1.2 l)
above applies even if you have purchased an 
Adventure Pack   or   Snow Pack .
Please ensure you also read all sections of the
Complimentary International Medical Travel
Insurance - in particular, consider the   General
Exclusions for Complimentary International
Medical Travel Insurance   on pages 33 to 39
and   Our Definitions   on pages 135 to 144 in Part D. 
32 PART B – COMPLIMENTARY

General Exclusions
What we don’t cover unless this Complimentary
International Medical Travel Insurance specifically
allows it. 
In addition to any exclusions listed under each benefit,
here is a list of things that, to the extent permitted by
law, we won’t cover under any benefit of Complimentary
International Medical Travel Insurance, as well as a list
of things that we will never cover. Please ensure you
read these general exclusions, together with the other
sections of the Complimentary International Medical
Travel Insurance so that you are aware of the limitations
and extent of the cover the Complimentary International
Travel Insurance provides. In particular, please consider 
Our Definitions   in Part D on pages 135 to 144. 
1. Activities 
Your claim arises from, or is in any way connected with
you participating in:
•   any activity not listed in the   Activities Included in this
product   section on pages 21 to 23; or
•   cruising, except river cruising; or
•   flying other than when you are travelling as a
passenger in:
•   a fully licensed aircraft operated by an airline or
charter company; or
•   a regulated or licensed hot air balloon. 
2. Pre-existing Medical Conditions 
Your claim arises from, is related to or associated with
a pre-existing medical condition of you, or your travel
companion, or a relative unless:
•   the pre-existing medical condition is a condition that
you did not need to disclose to us as advised under the
heading   Travel During Pregnancy   section. PART B – COMPLIMENTARY 
33

3. Pregnancy 
Your claim arises directly or indirectly out of pregnancy or
pregnancy complications except where: 
a)   you did not need to disclose your pregnancy to us as
advised under the heading   Travel During Pregnancy 
section; or 
b)   it is as a result of an accident occurring prior to the
24th week of your pregnancy which:
•   causes you to give birth prematurely; or
•   requires you to be admitted to hospital beyond the
24th week of your pregnancy, during which time
your child is born. 
Important:   Even if Allianz Global Assistance has included
cover under your Complimentary International Medical
Travel Insurance for your pregnancy, other than as set
out in point b) above, this Complimentary International
Medical Travel Insurance will never provide any cover for:
•   a pregnancy once it is 24 weeks or more gestation;
•   any expenses for routine or regular antenatal care;
•   childbirth at any stage of your pregnancy; or
•   care of, or relating to the health of, a newborn child. 
4. Private medical treatment 
You elect to receive private medical treatment
where public funded services or treatment is readily
available, including medical or hospital treatment
under a Reciprocal Health Care Agreement between
the Government of Australia and the government of
any other country, unless Allianz Global Assistance has
agreed to you receiving that private medical treatment.
Please contact Allianz Global Assistance to confirm
approval for these costs. 
34 PART B – COMPLIMENTARY

5. Vehicles 
Your claim arises directly or indirectly from, or is in any
way connected with you:
•   riding a quad bike, or riding or travelling as a pillion
passenger on a motorcycle, moped or motorised
scooter,   (for information purposes only and not
forming part of the cover in Part B - Complimentary
International Medical Travel Insurance, there may
be cover under Part C if you have purchased a
Comprehensive International Travel Insurance and
have purchased the optional   Adventure Pack ) ; or
•   driving or riding a vehicle as the driver, unless you hold
the appropriate class of licence (excluding learners
licences) in Australia for that vehicle, or a licence valid
for the country you are travelling in if your Australian
licence is not recognised in that country.
This exclusion does not apply to you travelling as a
passenger in a taxi or other transport vehicle. 
WHAT WE WILL NEVER COVER
There is no cover under any benefit of Complimentary
International Medical Travel Insurance if:
6. Acting intentionally or recklessly 
You do not do everything you reasonably can to avoid or
reduce any loss as much as possible or you intentionally
or recklessly act in a way that:
•   reasonably poses a risk to your safety or the safety of
your luggage and personal effects, valuables or other
belongings; or
•   increases the chance of a claim being made under the
Complimentary International Medical Travel Insurance,
unless you do so in an attempt to protect the safety of
a person or to protect property. PART B – COMPLIMENTARY 
35

7. Addiction 
Your claim arises from:
•   you or any other person being admitted to hospital
or confined to a clinic, where you or that other person
(as the case may be) is being treated for addiction to
drugs, substances or alcohol, or is using the hospital
or clinic as a nursing, convalescent or rehabilitation
place; or
•   a therapeutic or illicit drug, substance or alcohol
addiction suffered by you or any other person. 
8. Aware of circumstances 
At the time of activation, you were aware, or a
reasonable person in your circumstances would have
been aware, of something that would give rise to you
making a claim under this Complimentary International
Medical Travel Insurance. 
9. Diving alone 
An incident or event occurs while you are diving alone. 
10. Elective surgery 
Your claim arises from, is related to or associated with
elective surgery, and/or treatment received by you or
your travel companion during your journey. 
11. Epidemic/ pandemic 
Your claim arises from, is related to an epidemic or
pandemic unless your claim relates to you or your
travel companion contracting an epidemic or
pandemic sickness and cover is expressly included
in the following sections: 
1.1   Overseas Emergency Assistance
(including Medical Evacuation and Repatriation)
1.2   Overseas Medical & Hospital Expenses
(including Dental)
1.3 Funeral Expenses
12. Errors or omissions 
Your claim arises from errors or omissions in any booking
arrangements or failure to obtain any relevant visa,
passport or travel documents. 
36 PART B – COMPLIMENTARY

13. Government confiscation 
Your claim arises from a government authority
confiscating, detaining or destroying anything. 
14. Health insurance 
Your claim arises from, or associated with any loss,
damage, liability, event, occurrence, injury or sickness
where providing you with such cover would result in us
contravening the Health Insurance Act 1973 (Cth), the
Private Health Insurance Act 2007 (Cth) or the National
Health Act 1953 (Cth) or where Allianz does not have the
necessary licenses or authority to provide such cover. 
15. Ignoring safety warnings 
Your claim arises directly or indirectly from, or is in
any way connected with, you not observing all safety
warnings and advice about adverse weather and
terrain conditions. 
16. Illegal acts 
Your claim arises because you breach any government
prohibition or regulation, including visa requirements or
intentionally act illegally. 
17. Loss of enjoyment 
Your claim is for loss of enjoyment of any kind. 
18. Medical complications 
Your claim arises, or is a consequence of complications
from, medical, surgical or dental procedures or
treatments received by you or your travel companion
during your journey that arise from a pre-existing
medical condition.   (for information purposes only and
not forming part of the cover in Part B - Complimentary
International Medical Travel Insurance, there may
be cover under Part C if you have purchased a
Comprehensive International Travel Insurance and
applied for cover for your pre-existing medical condition
and we have agreed in writing to cover. A premium may
be payable.) PART B – COMPLIMENTARY 
37

19. Medication already in use 
Your claim is for the cost of medication you are using at
the time the journey began or the cost for maintaining
a course of treatment you were on prior to the start of
the journey. 
20. Nuclear materials, biological or
chemical weapons 
Your claim arises from:
•   a nuclear reaction or contamination from nuclear
weapons or radioactivity; or
•   biological and/or chemical materials, substances,
compounds or the like including when used directly
or indirectly for the purpose of harming or to destroy
human life and/or create public fear. 
21. Professional sport 
Your claim arises from you or your travel companion
participating in professional sport of any kind (including
professional racing on foot). 
22. Protective gear 
Your claim arises directly or indirectly from, or is in any
way connected with, you not wearing the appropriate
protective clothing and head protection for the sport or
activity you are participating in. 
23. Suicide 
Your claim arises from your intentional self harm or your
suicide or attempted suicide. 
24. Travel against medical advice 
Your claim is in respect of travel booked or undertaken
by you against the advice of any medical adviser. 
25. Travel alerts and other warnings 
Your claim arises because you did not follow an advice
or warning that a reasonable person would have been
aware of:
•   by the Australian government (when a ‘Do not travel’
alert is in place), which can be found on
www.smartraveller.gov.au; or
•   which was published in a reliable mass media source. 
38 PART B – COMPLIMENTARY

26. Under the influence 
Your claim arises from, or is caused, or is contributed to,
by you being affected by any intoxicating liquor or drug
to the extent that your physical, or mental functions, or
your judgement are impaired, except a drug prescribed
to you by a medical adviser, and taken in accordance
with their instructions. 
27. Violation of sanctions, laws or regulations 
Providing cover or being liable to pay any claim or
provide any benefit (including a refund on premium)
under this Complimentary International Medical Travel
Insurance to the extent that the provision of such cover,
payment of such claim or provision of such benefit would
constitute a breach of any trade or economic sanction,
embargo, prohibition or restriction imposed by any of
the following: United Nations, United States of America,
Australia, European Union, United Kingdom, or New
Zealand, or any other applicable national trade or
economic sanctions, laws or regulations. This clause shall
apply where such geographical location, provision of
goods, services or other reasons shall contravene such
sanction, embargo, prohibition or restriction. 
28. War 
Your claim arises from any act of war, whether war
is declared or not, or from any rebellion, revolution,
insurrection or taking of power by the military. 
29. Workers compensation 
Your claim is for a loss which is recoverable by
compensation from any transport provider, or under any
workers compensation law, government sponsored fund,
plan, or medical benefit scheme, or any other similar type
of legislation required to be effected by or under a law.
Please also read Part D from page 121 which
forms part of the Complimentary International
Medical Travel Insurance. Part D includes important
information including   Claims   and   Our Definitions . PART B – COMPLIMENTARY 
39

PART C
Comprehensive
International
Travel Insurance
PDS 
40

About this Product Disclosure
Statement 
A Product Disclosure Statement (PDS) for the
Comprehensive International Travel Insurance is a
document required by the Corporations Act 2001 (Cth)
and contains information designed to help you decide
whether to buy this product and to compare it with other
products you may be considering.
This PDS sets out the cover available, what isn’t covered
and the terms and conditions which apply. Please note
that any recommendations or opinions in this document
are of a general nature only and do not take into account
your objectives, financial situation or needs. Before
you make any decisions about the product, you should
read this Comprehensive International Travel Insurance
carefully to ensure that it is suitable for you. You need to
decide if the benefit limits, type, and level of cover are
appropriate for you and will cover your potential loss.
You may be eligible under other insurance that include
some or all of the benefits provided under this product.
You should read this Comprehensive International Travel
Insurance carefully and consider whether this product
suits your objectives, financial situation or needs.
If you have any queries, want further information
about this product or want to confirm a transaction,
please use the contact details on the inside front cover
of this document.
The documents that form your policy for Comprehensive
International Travel Insurance are listed below. Please
carefully read them and make sure you can access them
while travelling and upon your return:
•   this Comprehensive International Travel Insurance
Parts C and D;
•   Certificate of Insurance;
•   Medical Terms of Cover document (if applicable) 
41 PART C – COMPREHENSIVE

Understanding this product and its
important terms and conditions 
To properly understand this product’s features, benefits,
limits, conditions and exclusions you need to carefully
read this Comprehensive International Travel Insurance
in full, including without limitation, please read:
•   the section headed   Purchasing this Product   – contains
important information on who is eligible to purchase
a policy, age limits, your period of cover and when the
cover can be extended or amended, your insurance
premium, the cooling-off period, and more;
•   about the benefit limits that we will pay in the   Table
of Benefits , applicable excesses in the section headed 
Excesses , the activities which are automatically
included, and any options in the section headed 
Optional Covers   – including the limits on the amount
we will pay in the Cruise Pack and Snow Pack Tables of
Benefits;
•   the section headed   Pre-existing Medical Conditions 
(remember certain words have defined meanings – see
the section headed   Our Definitions   in Part D on pages
135 to 144);
•   the section headed   Your Duty to Take Reasonable
Care Not to Make a Misrepresentation ;
•   the section headed   Important Things You Need To
Know   - contains information on the General Insurance
Code of Practice, the Financial Claims Scheme, our
Privacy Notice, and more;
•   what we cover and what we do not cover under each 
Policy Benefits   section and   Optional Covers   section
(where applicable to any cover you purchase), and in
the section headed   General Exclusions ;
•   the section headed   Claims   - when you can choose
your own doctor, and when you should contact
Allianz Global Assistance concerning 24 hour medical
assistance, overseas hospitalisation or medical
evacuation. This section also sets out important
information about how we will consider claims
and certain obligations that you and we have,
circumstances in which we may refuse to pay or reduce
the amount we will pay in relation to a claim, our
dispute resolution process, and more. 
42 PART C – COMPREHENSIVE

Updating the PDS 
We may need to update this Comprehensive
International Travel Insurance from time to time. We will
do this if certain changes occur, and we are required
and permitted by law to do so. We will issue you with a
new PDS or a supplementary PDS to update the relevant
information except in limited cases.
Where the information is not to correct a misleading or
deceptive statement or an omission that is materially
adverse, from the point of view of a reasonable person
considering whether to buy this product, Allianz Global
Assistance may provide the updated information on
their website.
You can also get a paper copy of the updated
information free of charge by calling the contact number
shown on the inside front cover of this document. 
Your Duty to Take Reasonable Care
Not to Make a Misrepresentation 
When you purchase a Comprehensive International
Travel Insurance and purchase any of its   Optional
Covers , you must take reasonable care not to make
a misrepresentation to us. This responsibility applies
until we issue you with Comprehensive International
Travel Insurance for the first time or agree to renew,
extend, vary/ change, or reinstate your Comprehensive
International Travel Insurance.
You must answer our questions honestly, accurately
and to the best of your knowledge. A misrepresentation
includes a statement that is false, partially false,
or which does not fairly reflect the truth. It is not a
misrepresentation if you do not answer a question or if
your answer is obviously incomplete or irrelevant to the
question asked.
The responsibility to take reasonable care not to make
a misrepresentation applies to everyone who will be
insured under the Comprehensive International Travel
Insurance. If you are answering questions on behalf of
anyone, we will treat your answers or representations
as theirs. 
43 PART C – COMPREHENSIVE

Whether or not you have taken reasonable care not to
make a misrepresentation is to be determined having
regard to all relevant circumstances, including the type
of insurance, who it is intended to be sold to, whether
you are represented by a broker, your particular
characteristics and circumstances we are aware of.
If you do not meet the above duty, we may reject or not
fully pay your claim and/or cancel your Comprehensive
International Travel Insurance. If the misrepresentation
was deliberate or reckless, this is an act of fraud, and we
may treat your policy as if it never existed.
If our information or questions are unclear, you can
contact us using the contact information on the inside
front cover of this document. 
Other insurance 
If any loss, damage or liability covered under this
Comprehensive International Travel Insurance is covered
by any other insurance, you must give us details. If you
make a claim under one insurance and you are paid the
full amount of your claim, you cannot make a claim under
the other insurance. If you make a claim under any other
insurance and you are not paid the full amount of your
claim, we will make up the difference, up to the amount
this Comprehensive International Travel Insurance
covers you for, provided your claim is covered by this
Comprehensive International Travel Insurance. We may
seek contribution to amounts we have paid, or must pay,
from your other insurer. You must give us any information
we reasonably ask for to help us make a claim from your
other insurer. 
44 PART C – COMPREHENSIVE

Purchasing this Product
WHO IS ELIGIBLE TO PURCHASE
COMPREHENSIVE INTERNATIONAL
TRAVEL INSURANCE? 
You, your spouse and dependants are eligible to
purchase a Comprehensive International Travel
Insurance if you, your spouse and dependants meet
the following eligibility criteria:
•   you are a Level 1 or Level 2 cardholder and you
activate your Complimentary International Medical
Travel Insurance; and
•   you, your spouse and dependants have a permanent
home in Australia and you, your spouse and
dependants:
•   are permanent residents of Australia; or
•   hold a current Australian visa - but not a tourist or
working holiday visa - that will remain valid after
your journey ends and allows you unrestricted right
of entry into Australia; or
•   hold a valid Australian Medicare card; and
•   you purchase your Comprehensive International Travel
Insurance before leaving Australia; and
•   you, your spouse and dependants have a return
overseas travel ticket before leaving Australia.
Please note that if requested, you will need to prove
your eligibility (where reasonable) by providing any of
the following: 
a)   a copy of your passport; 
b)   Australian residency documents; 
c)   a copy of your current Australian visa; 
d)   a copy of your valid Medicare card; or 
e)   other official documents confirming your
right to reside in Australia; or 
f)   a copy of your flight or travel itinerary. 
45 PART C – COMPREHENSIVE

DO ANY AGE LIMITS APPLY? 
Comprehensive International Travel Insurance is
available to eligible travellers of all ages.
The Comprehensive International Travel Insurance’s 
Adventure Pack   and   Snow Pack   are only available for
eligible travellers under the age of 81 years.
Eligible dependants must be aged under 25 years at the
time of issue of your Certificate of Insurance. 
Applying for cover 
When you apply for your Comprehensive International
Travel Insurance, we will confirm with you things such
as the period of cover, your premium, what cover
options you have selected and what excesses will apply,
and whether any standard terms are to be varied.
These details will be recorded on the Certificate of
Insurance issued to you which may vary the standard
Comprehensive International Travel Insurance terms.
To confirm any Comprehensive International Travel
Insurance transaction, (if the Certificate of Insurance
does not have all the information you require), call Allianz
Global Assistance using the contact number shown on
the inside front cover of this document.
If we are unable to offer you the cover you seek, it will be
because the particular product offered is not designed to
cover a particular risk or risks including, but not limited to,
some geographical regions, some pre-existing medical
conditions or some ages. In such a case, if you would like
to discuss your options please use the contact details on
the inside front cover of this document, or contact the
Insurance Council of Australia (ICA) - the ICA provides
a referral service which is available on their website at
www.insurancecouncil.com.au. Select ‘Find an Insurer’ to
view a list of general insurers who may be able to provide
insurance to suit your requirements. 
46 PART C – COMPREHENSIVE

Your insurance premium 
The cost of your insurance is called a ‘premium’.
You will be told the premium that is payable for your
Comprehensive International Travel Insurance when
you apply and it will be shown on your Certificate
of Insurance.
The premium amount is calculated using a number of
factors including:
•   your risk profile. We work this out using a number of
factors such as:
•   your travel destination(s),
•   the length of your journey,
•   the amount and type of cover you require, –
the number of people to be insured under the
Comprehensive International Travel Insurance, and
their ages,
•   the time between the date you purchase your
Comprehensive International Travel Insurance and
the start date of your journey,
•   the pre-existing medical condition(s) of the people
insured under the Comprehensive International
Travel Insurance,
•   the likelihood of a claim being made on your
Comprehensive International Travel Insurance.
•   any commissions that may be payable;
•   any discounts that may apply;
•   any government charges we pay, such as Stamp Duty
and GST;
•   any other charges we tell you about;
•   the excess you choose.
The Bank may receive a commission from the premium
you pay when you purchase a Comprehensive
International Travel Insurance or purchase its   Optional
Covers . The calculation of your premium does not include
the covers within the complimentary covers in Part B
which have been made available to you and funded by
the Bank. 
47 PART C – COMPREHENSIVE

Cooling Off Period 
Even after you have purchased your Comprehensive
International Travel Insurance, you have cooling-
off rights. If you decide that you do not want your
Comprehensive International Travel Insurance, you
may cancel it within 14 days after you are issued your
Certificate of Insurance. We will give you a full refund of
the premium you paid, provided:
•   you have not started your journey; and
•   you do not want to make a claim under your
Comprehensive International Travel Insurance; and
•   you do not want to exercise any other right under your
Comprehensive International Travel Insurance. 
Cancellation After the Cooling
Off Period 
If you wish to cancel your Comprehensive International
Travel Insurance more than 14 days after you are issued
your Certificate of Insurance, we will provide a partial
premium refund of the premium you paid, provided:
•   you have not started your journey; and
•   you do not want to make a claim under your
Comprehensive International Travel Insurance; and
•   you do not want to exercise any other right under your
Comprehensive International Travel Insurance policy.
We will calculate the partial refund on a pro-rata
basis from the date you contact us to cancel your
Comprehensive International Travel Insurance policy
until the end date of the period of cover provided by your
Comprehensive International Travel Insurance. 
Cancellation After the Cooling
Off Period due to COVID-19 
If you have been prevented from travelling or, where you
have already commenced your journey, you have had
your journey shortened, because: 
48 PART C – COMPREHENSIVE

•   of a border closure arising from COVID-19; or
•   you are required to complete a mandatory quarantine
period because of where you are travelling or intend to
travel to or from,
you may cancel your Comprehensive International Travel
Insurance after the cooling off period. We will give you
a partial refund or full refund of the premium you paid,
subject to the conditions outlined below.
The border closure or quarantine must be:
•   due to COVID-19; and
•   enforced by a government or other competent
authority in the jurisdiction where you are travelling or
intend to travel to or from; and
•   in effect at the time you cancel your policy or at the
time when you are due to commence your journey.
We will calculate any premium refund we give you due to
border closure or quarantine arising from COVID-19
as follows: 
If you have not commenced your journey 
We will provide a full premium refund. 
If you have commenced your journey 
We will provide a partial premium refund.
We will calculate the partial refund on a pro-rata basis
from the date you returned home from your journey until
the end date of the period of cover provided by your
Comprehensive International Travel Insurance. You will
not be eligible for any premium refund if:
•   you have made a claim which is paid in part or full; or
•   you want to make a claim; or
•   you want to exercise any other right under your
Comprehensive International Travel Insurance.
Outside of these circumstances, you can still cancel your
Comprehensive International Travel Insurance but, we
will not refund any part of your premium if you do. 
49 PART C – COMPREHENSIVE

Period of Cover 
We will confirm the issue of your Comprehensive
International Travel Insurance by providing you with a
Certificate of Insurance. The Certificate of Insurance will
list the period you are insured for. See   When does my
cover start?   and   When does my cover end?   below. 
IMPORTANT TRAVEL ALERT INFORMATION 
Before purchasing Comprehensive International Travel
Insurance, check http://www.smartraveller.gov.au and
http://www.allianzpartners.com.au/travel-insurance/
travel-alerts for travel alerts or advisories for your
intended destination(s).
Coverage may be affected or declined where a claim
arises because you did not follow an advice or warning
issued by an Australian government relating to your
destination. This includes travelling when a ‘Do not
travel’ alert is in place and not taking action to minimise
or avoid any potential claim. Please note, this also
applies even if the Australian government has given
you permission to travel or you fall under a specific
exemption where there is otherwise a travel ban in place
that prohibits you from travelling. 
WHEN DOES MY COVER START? 
If you purchase a Comprehensive International Travel
Insurance and any of its Optional Covers:
•   cover under Benefit 2.1 Cancellation begins from
the date your Comprehensive International Travel
Insurance is issued - this is shown on your Certificate of
Insurance as the date of issue. Note that cover under
Benefit 2.1 Cancellation only applies to the travel
arrangements you will be using between the start and
end dates shown on your Certificate of Insurance.
•   cover for all other benefits begins when you start your
journey or on the start date shown on your Certificate
of Insurance, whichever happens later. 
WHERE WILL I BE COVERED? 
Before you activate and purchase your Comprehensive
International Travel Insurance, we will ask you to list the
destinations you intend to visit, including any destination
where you will have a transit time or stop-over of more 
50 PART C – COMPREHENSIVE

than 24 hours. However, you don’t need to list the
destinations where your transit time or stop-over is
less than 24 hours.
If you haven’t yet decided on all of the destinations
you will be visiting, you can list the region(s) you’re
travelling to instead (rather than trying to work out
each destination).
The Certificate of Insurance will list the destination(s),
countries, and/or regions you have selected for cover.
In addition, the Certificate of Insurance will also list the
region/s you can travel to with this cover at no additional
cost. Refer to www.allianzpartners.com.au/travel-
insurance/regions for our Regions list.
Aside from any destinations where your transit time or
stop-over is less than 24 hours, your Comprehensive
International Travel Insurance will not provide cover
outside of the destination(s), countries and/or regions
listed on your Certificate of Insurance. 
WHEN DOES MY COVER END? 
Cover finishes at the end of your journey or on the end
date shown on your Certificate of Insurance, whichever
happens first. 
AUTOMATIC EXTENSIONS OF COVER 
Your cover will be extended at no additional charge if
your return to your home has been delayed because of
one or more of the following:
•   a bus line, airline, shipping line or rail authority you are
travelling on, or that has accepted your fare or luggage
and personal effects, is delayed; or
•   the delay is due to an event that is covered under
this Comprehensive International Travel Insurance.
If the event causing the delay is not covered under
Comprehensive International Travel Insurance, please
refer to the section headed   Extending your cover
if you are already travelling   of the Comprehensive
International Travel Insurance as you may be eligible
to extend your original period of cover. 
51 PART C – COMPREHENSIVE

The cover provided under   Benefit 1.4 Accidental
Death   on page 54 will not automatically extend for
any period more than 12 consecutive months from the
start date shown on your Certificate of Insurance, in any
circumstances.
The cover will end when you return home or if after
assessment of your claim, the reasonable medical advice
is that you are medically fit to return to Australia, the
cover will end on the date that Allianz Global Assistance
would have been able to reasonably facilitate your return
to Australia. 
EXTENDING YOUR COVER IF YOU ARE ALREADY
TRAVELLING 
If you are already travelling and would like to be insured
for longer than your original period of cover, you will
need to apply for cover prior to the expiry of your original
Comprehensive International Travel Insurance.
To apply, please contact us on the number shown on the
inside front cover of this document to determine your
eligibility. Please note that acceptance is not guaranteed
and may be subject to certain underwriting requirements.
If accepted, an additional premium will apply.
If we accept your application, we will issue you with a
new Comprehensive International Travel Insurance which
will not be an extension of your original Comprehensive
International Travel Insurance.
A new period of cover will apply and you will be issued
with a new Certificate of Insurance.
The period of cover on your new Certificate of Insurance
cannot exceed 12 months from the start date shown on
your new Certificate of Insurance. 
Important:   Cover under your new Comprehensive
International Travel Insurance will not be provided:
•   for any pre-existing medical condition covered under
your original Comprehensive International Travel
Insurance unless you make further application for
cover and Allianz Global Assistance agrees to provide
cover for your pre-existing medical condition; 
52 PART C – COMPREHENSIVE

•   for any medical condition you suffered during the term
of your original Comprehensive International Travel
Insurance (which will be defined as a pre-existing
medical condition under your new Comprehensive
International Travel Insurance policy) unless you
apply for cover at the time you apply for your new
Comprehensive International Travel Insurance and we
agree in writing to provide cover for your pre-existing
medical condition; or
•   for any circumstances that have given (or may give)
rise to a claim under your original Comprehensive
International Travel Insurance. 
Table of Benefits 
The tables below sets out the benefits that apply to the
Comprehensive International Travel Insurance and its 
Optional Covers   and the maximum amount we will
pay for all claims combined under each benefit.   This
table is a summary only. Please carefully read the
Comprehensive International Travel Insurance in full to
ensure you understand the extent of cover provided and
limitations (including any sub-limits) that apply .
All limits and sub-limits in the table are shown in
Australian dollars.
All costs and expenses claimed must be necessary and
reasonable.
Benefit limits are either for a Cardholder or Cardholder &
Spouse. Dependants are included in the limits available.
For clarity, a cardholder can only claim under one set of
benefit limits per journey, not both.
The benefits below are in addition to the benefits available
to you under the Complimentary International Medical
Travel Insurance after you have activated it. Refer to
the   Table of Benefits for Complimentary International
Medical Travel Insurance   in Part B on pages 16 and 17: 
53 PART C – COMPREHENSIVE

Comprehensive International Travel
Insurance Level 1 & Level 2 Cards
Benefits   Excess
Applies
Cardholder
Limit
Cardholder
& Spouse
Limit 
Dependants are included in
the limits available 
1.4   Accidental Death   Yes   $50,000
$100,000 
($50,000 per
person) 
1.5   Permanent
Disability ^ #   Yes   $50,000
$100,000 
($50,000 per
person) 
1.6   Hospital Cash
Allowance ^   No 
$5,000 
($50 per night
after an initial
48 hours) 
$10,000 
($50 per person,
up to $100 per
night, after an
initial 48 hours) 
2.1   Cancellation
Sub-limits:   Yes   As selected †   As selected † 
•   Travel Agents
Cancellation Fees   $1,500
$1,500 per
person up to
$3,000
•   Pre-existing medical
condition of a relative   $2,000
$2,000 per
person up to
$4,000 
3.1   Additional
Expenses   Yes 
$50,000 
($2,000 for pre-
existing medical
condition of a
relative) 
$100,000 
($2,000 per
person up to
$4,000 for pre-
existing medical
condition of a
relative) 
3.2   Travel Delay
Expenses   No 
$3,000 
($300 after an
initial 6-hour
delay then
again for each
consecutive 24-
hour period) 
$6,000 
($300 per
person, up to
$600, after an
initial 6-hour
delay then
again for each
consecutive 24-
hour period) 
3.3   Alternative
Transport Expenses ^   Yes   $5,000   $10,000 
54 PART C – COMPREHENSIVE

Benefits   Excess
Applies
Cardholder
Limit
Cardholder
& Spouse
Limit 
Dependants are included in
the limits available 
4.1   Luggage,
Personal Effects &
Valuables
Yes   $10,000   $20,000 
Individual item sub-limits:
•   $3,000 for personal computers,
tablets, cameras or video cameras.
•   $1,000 for mobile phones
(including smart phones and any
items with phone capabilities).
•   $750 for all other items (including
jewellery and watches).
•   Items left in a concealed storage
compartment of a locked vehicle
during daylight hours - $200 per
item up to a maximum of $2,000. 
4.2   Luggage &
Personal Effects
Delay Expenses
No 
$1,000 
(Minimum delay
10 hours) 
$2,000 
(Minimum delay
10 hours) 
4.3   Travel
Documents,
Transaction Cards &
Travellers Cheques ^ 
Yes   $5,000   $10,000
4.4   Theft of Cash   No   $250   $500
5.1   Rental Vehicle
Excess   Yes   $6,000   $6,000
†   A default limit for Benefit 2.1 Cancellation is automatically included in your cover
unless you make a selection. However, you are able to choose different levels of
cover from the amounts available to you when you purchase your Comprehensive
International Travel Insurance. Any benefit limit selected by you will be shown on
your Certificate of Insurance. The benefit limit shown will be the most we will pay
for all claims under Benefit 2.1 Cancellation. 
^   you do not have cover under this benefit while travelling in Australia. 
#   you will not have cover under Benefits 1.5 Permanent Disability for any claims
arising from your participation in any of the activities listed under Adventure Pack
or your participation in snow sport activities. 
55 PART C – COMPREHENSIVE

Optional Covers
Cruise Pack
Benefits   Excess
Applies
Cardholder
Limit
Cardholder
& Spouse
Limit 
Dependants are included in
the limits available 
7.1   Medical Cover
while Cruising #   Yes   $20 million   $40 million
7.2   Evacuation Cover
- Ship to Shore #   Yes 
$20 million 
($60,000
for funeral
expenses) 
$40 million 
($60,000 per
person up
to $120,000
for funeral
expenses) 
7.3   Cabin
Confinement #   No 
$500 
($50 after initial
48 hours, then
again for each
consecutive
24-hour period
thereafter) 
$1,000 
($50 per person
up to $100,
after initial 48
hours, then
again for each
consecutive
24-hour period
thereafter) 
7.4   Pre-paid
Shore Excursion
Cancellation # 
Yes   $1,000   $2,000
7.5   Formal Wear -
Cruise #   Yes   $1,000   $2,000
7.6   Formal Wear
Delay Expenses #   No 
$250 
(Minimum delay
12 hours) 
$500 
(Minimum delay
12 hours) 
7.7   Marine Rescue
Diversion #   No   $500 
($100 per day) 
$1,000 
($100 per
person, up to
a maximum of
$200 per day) 
#   you only have cover for these benefits if the relevant pack has been purchased. 
56 PART C – COMPREHENSIVE

Snow Pack 
Only available for customers aged under 81 years at the
time of issue of your Certificate of Insurance. 
Benefits   Excess
Applies
Cardholder
Limit
Cardholder
& Spouse
Limit 
Dependants are included in
the limits available 
7.8   Overseas
Emergency Snow
Sport Assistance # 
Yes 
$100,000 
($60,000
for funeral
expenses) 
$200,000 
($60,000 per
person up
to $120,000
for funeral
expenses) 
7.9   Own Snow Sport
Equipment #   Yes 
$2,000 
($200 per item
if left in or on
a vehicle and
$1,000 in total
for all stolen
items) 
$4,000 
($200 per item
if left in or on
a vehicle and
$1,000 in total
for all stolen
items) 
7.10   Snow Sport
Equipment Hire #   Yes 
$2,000 
(Minimum delay
24 hours) 
$4,000 
(Minimum delay
24 hours) 
7.11   Snow Sport
Pack #   Yes   $1,000   $2,000
7.12   Piste Closure #   No 
$1,000 
($100 after
initial
24 hours, then
again for each
consecutive
24-hour period
thereafter) 
$2,000 
($100 per
person up to
a maximum of
$200 after initial
24 hours, then
again for each
consecutive
24-hour period
thereafter) 
7.13   Bad Weather &
Avalanches #   Yes   $1,000   $2,000
#   you only have cover for these benefits if the relevant pack has been purchased. 
57 PART C – COMPREHENSIVE

Excesses 
An excess is an amount which may be deducted from
any claim payment we make to you. Please read the
following information about the types of excesses
which may apply to your Comprehensive International
Travel Insurance. 
BASE EXCESS 
Your Comprehensive International Travel Insurance
has a base excess which is shown on your Certificate
of Insurance.
The base excess applies to each event causing a payable
claim except where the claim is solely payable under any
of the following benefits in which case the base excess
will not apply: 
1.6 Hospital Cash Allowance
3.2 Travel Delay Expenses
4.2 Luggage & Personal Effects Delay Expenses
4.4 Theft of Cash
7.3 Cabin Confinement
7.6 Formal Wear Delay Expenses
7.7 Marine Rescue Diversion
7.12 Piste Closure 
You also have the option to vary the amount of the
Complimentary International Medical Travel Insurance
base excess - refer to the section headed   Varying The
Base Excess   in the   Optional Covers   section for details. 
OTHER EXCESSES
a)   If you apply for cover of your pre-existing medical
conditions (and Allianz Global Assistance agrees to
provide you with cover), a medical excess may apply
to claims arising from those approved pre-existing
medical conditions. Where a medical excess applies
to a claim, it will replace the base excess, not be
additional to it. We will inform you in writing if a
medical excess applies and this will be shown on your
Certificate of Insurance. 
58 PART C – COMPREHENSIVE

For example: Sam selects a $250 base excess for his
Comprehensive International Travel Insurance. Sam
applies for cover of a pre-existing heart condition.
Allianz Global Assistance agrees to provide cover
for this condition and Sam selects a $500 medical
excess. If Sam needs to make a claim arising from
this condition, the medical excess of $500 will be
applied to the claim. However, if Sam needs to
make a claim which is not related to any covered
pre-existing medical condition, then the $250 base
excess will be applied - not the medical excess. 
b)   In addition to your base excess, a non-removable
excess of $500 will apply to any claim payable under
Benefits   1.2 Overseas Medical & Hospital Expenses
(including Dental)   and   2.1 Cancellation   if you have
purchased:
•   a Snow Pack and your claim arises from your
participation in snow sport activities; or
•   an Adventure Pack and your claim arises from your
participation in any of the activities listed under the
Adventure Pack in the Optional Covers section. 
EPIDEMICS AND PANDEMICS (SUCH AS
COVID-19) 
If during your period of cover, you are positively
diagnosed as suffering a sickness recognised as an
epidemic or pandemic, such as COVID-19, cover is
available to you under the following sections: 
1.1   Overseas Emergency Assistance
(including Medical Evacuation and Repatriation)
1.2   Overseas Medical & Hospital Expenses
(including Dental)
1.3 Funeral Expenses
1.6 Hospital Cash Allowance
2.1 Cancellation
3.1 Additional Expenses 
59 PART C – COMPREHENSIVE

In addition, if you have purchased the optional 
Cruise Pack , cover is available to you under the
following sections: 
7.1 Medical Cover While Cruising
7.2 Evacuation Cover – Ship to Shore
7.3 Cabin Confinement
7.4 Pre-paid Shore Excursion Cancellation 
If you have purchased the optional   Snow Pack , cover is
available to you under the following sections: 
7.8 Overseas Emergency Snow Sport Assistance
7.11 Snow Sport Pack 
If during your period of cover, your travel companion is
positively diagnosed as suffering a sickness recognised
as an epidemic or pandemic, such as COVID-19, which
impacts your journey, cover is available to you under the
following sections: 
2.1 Cancellation
3.1 Additional Expenses 
In addition, if you have purchased the optional 
Cruise Pack , cover is available to you under the
following section: 
7.4 Pre-paid Shore Excursion Cancellation 
Terms, conditions, exclusions, limits and applicable
sub-limits apply. Please refer to the   General Exclusions 
section and the exclusions set out in each of the sections
listed above. For all other sections and any other claim
arising from, or related to, epidemics or pandemics, there
is no cover. 
PRE-EXISTING MEDICAL CONDITIONS 
Pre-existing medical conditions can complicate
medical treatment, lengthen your recovery time, and
increase medical costs if you are injured or become
sick while overseas. The likelihood of needing to cancel
your holiday for health reasons is also a possibility.
Therefore, it is important that you understand what this
Comprehensive International Travel Insurance covers
when it comes to your health. 
60 PART C – COMPREHENSIVE

Please ensure that you read the definition of
pre-existing medical condition in the section headed   Our
Definitions   on pages 135 to 144. The definition makes
reference to ‘a condition of which a reasonable person
in the circumstances, should have been aware at the
time of issue of the Certificate of Insurance’. Reference
to a reasonable person is a reference to what would be
expected of an average person in the circumstances. 
Please read the following information carefully. 
We will only provide cover for claims which arise directly
or indirectly from your pre-existing medical condition
if you have disclosed the condition to Allianz Global
Assistance and they have agreed in writing to include
cover under your Comprehensive International Travel
Insurance for the condition. Details of the approved
pre-existing medical condition(s) will be set out on
your Certificate of Insurance or Medical Terms of
Cover document.
If you:
•   choose not to disclose any pre-existing medical
condition; or
•   disclose your pre-existing medical condition to Allianz
Global Assistance but do not accept the offer from
them to include cover under your Comprehensive
International Travel Insurance for your condition,
you won’t be covered for any claim that arises from
that condition. 
INCLUDING COVER FOR YOUR PRE-EXISTING
MEDICAL CONDITION 
You can apply to include cover under your
Comprehensive International Travel Insurance for
certain pre-existing medical condition(s) at the time of
purchasing your Comprehensive International Travel
Insurance. You will need to complete our medical
assessment which can be done on-line or by calling the
sales and general enquiries number shown on the inside
front cover of this document. 
61 PART C – COMPREHENSIVE

If you are pregnant at the time of purchasing your
Comprehensive International Travel Insurance, your
pregnancy is considered to be a pre-existing medical
condition. Please ensure you read the section titled 
Travel During Pregnancy   on page 64 for important
information about the cover this product provides for
pregnancy and when you need to apply for cover for a
pre-existing medical condition. 
SIGNS OR SYMPTOMS OF UNDIAGNOSED
MEDICAL CONDITIONS 
If you are experiencing signs or symptoms of a medical
condition at the time of purchasing your Comprehensive
International Travel Insurance, but
•   you have not sought medical advice or a diagnosis;
•   you have not been diagnosed;
•   you are awaiting a specialist opinion; or
•   the signs and symptoms are under investigation,
(collectively, undiagnosed medical condition)
you cannot apply to include cover for the undiagnosed
medical condition under your Comprehensive
International Travel Insurance as a pre-existing medical
condition. Examples of undiagnosed signs or symptoms
include, but are not limited to, unexplained bleeding,
persistent cough, or localised mass or growth.
In these circumstances, the   Pre-existing Medical
Conditions   exclusion will be applicable. Refer to
the   General Exclusions   on pages 113 and 114 for
more details.
If after you have purchased your Comprehensive
International Travel Insurance and the medical
investigation of your signs or symptoms has been
completed and a diagnosis has been made for those
signs and symptoms, provided you have not started
your journey, you can complete a pre-existing medical
assessment relating to the signs or symptoms investigated.
Please note that acceptance is not guaranteed. If
accepted, an additional premium may apply. 
62 PART C – COMPREHENSIVE

You cannot apply for cover of any pre-existing
medical conditions:
•   which involve signs or symptoms you are aware
of but which have not yet been diagnosed by a
medical adviser, or which are under investigation,
or are awaiting a specialist opinion; or
•   for any person who is not travelling with you on
your journey and who will not be listed as an
insured person on your Certificate of Insurance. 
WHAT HAPPENS ONCE YOU APPLY FOR COVER
FOR A PRE-EXISTING MEDICAL CONDITION? 
Once you have completed our medical assessment,
we will advise you of the outcome. Depending on
your pre-existing medical condition(s), Allianz Global
Assistance may either: 
a)   agree in writing to include cover under your
Comprehensive International Travel Insurance for
your pre-existing medical condition(s) (an additional
premium may be payable, and a medical excess may
apply); or 
b)   decline to include cover under your Comprehensive
International Travel Insurance for your pre-existing
medical condition(s).
Please note that if Allianz Global Assistance declines
to provide you with cover for your pre-existing medical
condition, you will still need to proceed with the
activation process to be eligible for cover for events
unrelated to your pre-existing medical condition. If you
require cover for your medical condition there may be
other options available such as:
•   contacting the Insurance Council of Australia (ICA) -
the ICA provides a referral service which is available
on their website at www.insurancecouncil.com.au.
Select ‘Find an Insurer’ to view a list of general insurers
who may be able to provide insurance to suit your
requirements. If you have any other questions about
pre-existing medical conditions, please call the sales
and general enquiries number shown on the inside
front cover of this document. 
63 PART C – COMPREHENSIVE

TRAVEL DURING PREGNANCY 
If you know you are pregnant at the time of purchasing
your Comprehensive International Travel Insurance, and:
•   you have had pregnancy complications* with this or a
previous pregnancy; or
•   you are expecting more than one child,
you will need to apply to include cover under the
Comprehensive International Travel Insurance for claims
arising directly or indirectly from your pregnancy by
completing our medical assessment.
Otherwise, you do not need to tell us about your
pregnancy as your Comprehensive International
Travel Insurance will automatically provide cover for
pregnancy-related claims arising from an unforeseen
event, as long as:
•   the event occurred prior to the 24th week of your
pregnancy; and
•   it is not something excluded under the Comprehensive
International Travel Insurance.
This automatic cover will also apply if you become
pregnant or discover you are pregnant after your
Certificate of Insurance has been issued. 
Important:   the cover provided under this Comprehensive
International Travel Insurance in relation to pregnancy
is for unforeseen events only. Even if Allianz Global
Assistance has included cover under your Comprehensive
International Travel Insurance for your pregnancy, this
Comprehensive International Travel Insurance will never
provide any cover for:
•   a pregnancy once it is 24 weeks or more gestation; or
•   any expenses for routine or regular antenatal care; or
•   childbirth at any stage of your pregnancy or costs
relating to the care or health of a newborn child, other
than as a result of an accident occurring prior to the
24th week of your pregnancy which:
•   causes you to give birth prematurely; or
•   requires you to be admitted to hospital beyond the
24th week of your pregnancy, during which time
your child is born.
*We define ‘pregnancy complications’ as meaning a medical condition for which the
diagnosis is distinct from pregnancy but is caused by or adversely affected by pregnancy. 
64 PART C – COMPREHENSIVE

Please ensure you read all the sections of the
Comprehensive International Travel Insurance so
that you are aware of the limitations and extent of
the cover the Comprehensive International Travel
Insurance provides. In particular, please consider the 
General Exclusions   on pages 113 to 120 as well as 
Our Definitions   on pages 135 to 144 of Part D. 
Useful Tips
1.   It’s a good idea to make sure your doctor and/or
midwife are aware of your travel plans. 
2.   Be aware that due to health and safety
requirements, many airlines and ferry/cruise
companies have their own restrictions regarding
travel during pregnancy. 
Please note that their requirements may be
different to the terms and conditions set out in
this product. 
3.   Consider whether this insurance is appropriate
for your needs if you are planning to travel
beyond 24 weeks’ gestation. 
ACTIVITIES INCLUDED IN THIS PRODUCT 
This Comprehensive International Travel Insurance
automatically provides cover for your participation in
the activities listed under the ‘Included activities’ section
during your journey.
Additional activities are available in our   Optional Covers 
section, if you purchase an upgrade to Comprehensive
International Travel Insurance and the relevant pack.
The   Optional Covers   section on pages 90 to 112 details
the other activities for which cover can be purchased.
Details of any Optional Cover you purchase will be shown
on your Certificate of Insurance. 
65 PART C – COMPREHENSIVE

It is important you are aware of the limitations and
extent of cover this Comprehensive International Travel
Insurance provides. Please ensure you read and consider:
•   information about the benefit under which your claim
is made;
•   all the other sections of the   Comprehensive
International Travel Insurance ;
•   the   General Exclusions   on pages 113 to 120; and
•   Our Definitions   on pages 135 to 144 of Part D. 
Included activities 
•   aqua zorbing;
•   archery;
•   bar and restaurant work (excluding security or crowd
control);
•   bicycling (excluding bicycle motocross (BMX) or
downhill mountain biking);
•   bungee jumping or canyon swinging;
•   camel, donkey or elephant riding (under appropriate
supervision);
•   dancing;
•   dog sledding;
•   diving underwater at a depth no greater than
10 metres;
•   diving underwater using an artificial breathing
apparatus at a depth no greater than 10 metres (in
order to be covered for this activity, you must hold an
open water diving licence recognised in Australia, or
dive with an instructor licensed for these activities, and
note that restrictions apply - refer to   General Exclusion
‘Diving alone’ );
•   fishing (on land or within 2 nautical miles of land);
•   fruit picking that does not involve the use of machinery;
•   go-karting;
•   golf;
•   gym activities (excluding powerlifting);
•   gymnastics (excluding competitions);
•   horse riding (excluding competitions, equestrian
events, steeple chasing, jumping, or polo);
•   ice skating on a rink (excluding competitive skating,
racing, speed skating, and tour skating); 
66 PART C – COMPREHENSIVE

•   leisure activities (meaning any activities involving
minimal physical exertion that are undertaken for
relaxation or pleasure. For example, sight-seeing,
picnics, photography and museum or art gallery visits);
•   music and singing;
•   orienteering;
•   paintball (with eye protection);
•   racing on foot as an amateur, for distances up to and
including full marathon (42.2 kilometres or 26.2 miles)
and note that restrictions apply - refer to   General
Exclusions   ‘Activities’ and ‘Professional sport’;
•   racing in a triathlon as an amateur, for distances up
to and including a 1.5 kilometre swim, 40 kilometre
bicycle ride and 10 kilometre run, and note that
restrictions apply - refer to   General Exclusions 
‘Activities’ and ‘Professional sport’;
•   racquet and ball sports not involving physical contact;
•   regulated or licensed ballooning;
•   river cruising;
•   rockwall climbing (under appropriate supervision);
•   safari (under appropriate supervision, but not hunting);
•   sailing up to 10 nautical miles from land;
•   shark cage diving (subject to diving restrictions listed
above);
•   shooting (fixed target only);
•   skateboarding, roller skating, inline skating (excluding
vert skating or acrobatics);
•   snorkelling at a depth no greater than 10 metres;
•   soccer;
•   surface water activities in rivers or rapids graded I, II
or III under the International Scale of River Difficulty,
or lakes or canals (see www.waterwaysguide.org.au/
GradingSystem);
•   surface water activities (other than sailing) up to 2
nautical miles off any land mass;
•   track and field athletics; and
•   walking, hiking, trekking or tramping, peaking at
altitudes up to 3,000 metres where specialist climbing
equipment is not required (excluding expeditions to or
on the Kokoda Track/Trail). 
67 PART C – COMPREHENSIVE

Policy Benefits 
The maximum amount we will pay for all claims
combined under each benefit is shown in the   Table
of Benefits   for Comprehensive International Travel
Insurance on pages 53 to 55. Sub-limits (where
applicable) are also shown in the Benefit sections
that follow.
Please ensure you also read all the other sections of
the Comprehensive International Travel Insurance so
that you are aware of the limitations and extent of the
cover the Comprehensive International Travel Insurance
provides. In particular, please consider the   General
Exclusions   on pages 113 to 120 and   Our Definitions   on
pages 135 to 144 of Part D.
In order to be sure that you are covered under this
Comprehensive International Travel Insurance you should
always contact Allianz Global Assistance for approval
before you incur expenses you wish to claim. If you do
not, we will pay for expenses incurred up to the amount
we would have authorised had you asked us first. 
For information purposes only and not forming
part of this Comprehensive International Travel
Insurance, when you have purchased Comprehensive
International Travel Insurance, you will retain access
to the cover available under the Complimentary
International Medical Travel Insurance via the
Group Policy.
For further information only and not forming part of
the Comprehensive International Travel Insurance,
this includes the following benefits available under
the PDS for the Complimentary International
Medical Travel Insurance: 
1.1   Overseas Emergency Assistance (including
Medical Evacuation & Repatriation)
1.2   Overseas Medical & Hospital Expenses
(including Dental)
1.3   Funeral Expenses
6.1 Personal Liability 
68 PART C – COMPREHENSIVE

Refer to the PDS for   Complimentary International
Medical Travel Insurance   in Part B from page 9
for the cover available including what is and is not
covered. Terms, conditions, limits, exclusions and
applicable sub-limits apply.) 
1.4 ACCIDENTAL DEATH
1.4.1 What we cover 
If, during the period of cover for your journey: 
a)   you are injured and due to that injury you die within
12 months of it occurring; or 
b)   something you are travelling on or in disappears,
sinks or crashes and your body is not found within
12 months and you are presumed dead,
we will pay the benefit limit payable under this benefit to
your estate.
The amount we will pay under this benefit is the benefit
limit in the   Table of Benefits   for Comprehensive
International Travel Insurance on page 54.
Please ensure you also read all the sections of the
Comprehensive International Travel Insurance
- in particular, consider the   General Exclusions 
on pages 113 to 120 and   Our Definitions   on pages
135 to 144 in Part D. 
1.5 PERMANENT DISABILITY
1.5.1 What we cover 
If you are injured during the period of cover for your
journey; and 
a)   due to that injury, you suffer permanent disability
(permanent loss of all the sight in one or both eyes,
or the use of a hand at or above the wrist or a foot
at or above the ankle), within 12 months of the injury
occurring; and 
b)   your permanent disability continues for at least 12
consecutive months and at the expiry of that period,
in the opinion of an appropriate medical specialist, is
beyond hope of improvement, 
69 PART C – COMPREHENSIVE

we will pay the benefit limit payable under this benefit
to you.
The amount we will pay under this benefit is the benefit
limit in the   Table of Benefits   for Comprehensive
International Travel Insurance on page 54. 
1.5.2 What we do not cover 
To the extent permitted by law we will not pay if
your permanent disability arises from, is related to or
associated with your participation in snow sport activities
or activities listed under   Adventure Pack   in the Optional
Covers section. This exclusion applies even if you have
purchased a   Snow Pack   or an   Adventure Pack .
Please ensure you also read all the sections of the
Comprehensive International Travel Insurance
- in particular, consider the   General Exclusions   on
pages 113 to 120 and   Our Definitions   on pages 135
to 144 in Part D. 
1.6 HOSPITAL CASH ALLOWANCE
1.6.1 What we cover 
If during the period of cover, you are admitted to
hospital overseas for a period of more than 48
consecutive hours as a result of an injury or sickness
(including if you are positively diagnosed as suffering
a sickness recognised as an epidemic or pandemic such
as COVID-19), or pre-existing medical condition that
we agreed in writing to cover, then we will pay you
$50 for a Cardholder or $50 per person (up to a
maximum limit of $100) for a Cardholder and Spouse
for each consecutive night that you remain in hospital
beyond the initial 48 consecutive hours.
The maximum amount we will pay is the benefit limit
shown in the   Table of Benefits   for Comprehensive
International Travel Insurance. 
1.6.2 What we do not cover 
To the extent permitted by law, we will not pay if you
cannot claim for medical expenses connected with the
hospital admission under Benefit 1.2 Overseas Medical &
Hospital Expenses (including Dental). 
70 PART C – COMPREHENSIVE

Please ensure you also read all the sections of the
Comprehensive International Travel Insurance
- in particular, consider the   General Exclusions   on
pages 113 to 120 and   Our Definitions   on pages 135
to 144 in Part D. 
2.1 CANCELLATION 
A default limit for   Benefit 2.1 Cancellation   is
automatically included in your cover unless you make
a selection. However, you are able to choose different
levels of cover from the amounts available to you when
you purchase your Comprehensive International Travel
Insurance. Any benefit limit selected by you will be shown
on your Certificate of Insurance. The benefit limit shown
will be the most we will pay for all claims under   Benefit
2.1 Cancellation .
If you think that you may have to cancel or shorten your
journey, you must tell us as soon as possible.
Call us using the contact number shown on the inside
front cover of this document, or the 24 hour emergency
assistance number if you are still overseas. 
2.1.1 What we cover 
If during the period of cover, your journey is cancelled,
rescheduled or shortened because of circumstances
that were not expected or intended by you and are
outside your control (including if you or your travelling
companion are positively diagnosed as suffering a
sickness recognised as an epidemic or pandemic such as
COVID-19) we will reimburse you: 
a)   the non-refundable portion of unused travel and
accommodation arrangements scheduled to be used
by you during your journey, that you have paid in
advance of cancellation and cannot recover in any
other way, inclusive of:
•   your travel agent’s cancellation fees and any
commission or service fees retained by your travel
agent up to the amount of commission or service
fees that your travel agent would have earned had
your journey not been cancelled, limited to $1,500
for a Cardholder or $1,500 per person up to a
maximum of $3,000 for a Cardholder and Spouse. 
71 PART C – COMPREHENSIVE

b)   for the value of frequent flyer points, air miles, loyalty
card points, redeemable vouchers or other similar
schemes lost by you as a result of cancelling the
services paid for or obtained with those points, air
miles, vouchers or schemes, but only if you cannot
recover your loss in any other way. 
We calculate the amount we pay you as follows: 
i)   for frequent flyer points, air miles or loyalty
card points: 
•   the cost of an equivalent booking based on
the same advance booking period as your
original booking less any payment you made
toward the booking, 
multiplied by 
•   the total number of points or air miles lost,
divided by the total number of points or air
miles used to make the booking. 
ii)   for vouchers, the face value of the voucher.
If there is no face value on the voucher we pay
the market value. 
c)   your reasonable costs of rescheduling your journey.
The most we will pay for rescheduling your journey
is the unrecoverable amount that would have been
payable under sub-sections   2.1.1 a)   and   b)   had your
journey been cancelled. We will not pay a claim
under sub-section   2.1.1 c)   in addition to a claim
under sub-sections   2.1.1 a)   and   b)   for the same
arrangements. 
If during the period of cover for your journey a relative
of yours who resides in Australia or New Zealand:
•   dies or is admitted to hospital in Australia or New
Zealand as a result of a pre-existing medical
condition, and
•   at the time of the issue of your Comprehensive
International Travel Insurance you were, or a
reasonable person in your circumstances would
have been, unaware of the likelihood of their dying
or being admitted to hospital, 
then, the most we will pay for all claims under sub-
sections   2.1.1 a)   and   b)   or sub-section   2.1.1 c)   is
$2,000 for a Cardholder or $2,000 per person up to a
maximum of $4,000 for a Cardholder and Spouse. 
72 PART C – COMPREHENSIVE

2.1.2 What we do not cover 
To the extent permitted by law we will not pay your
claim if: 
a)   you were aware, or a reasonable person in your
circumstances would have been aware before your
Comprehensive International Travel Insurance was
issued, of any reason that may cause your journey to
be cancelled, rescheduled or shortened; 
b)   caused by the death, injury or illness of any person,
including a relative of yours or of your travel
companion, who resides outside of Australia or New
Zealand, unless they are listed as an insured person
on your Certificate of Insurance; 
c)   caused by the death, injury or illness of your relative
arising from a pre-existing medical condition except
as specified under sub-section   2.1.1 c) ; 
d)   caused by you or your travel companion changing
plans; 
e)   caused by the breakdown or dissolution of any
personal relationship; 
f)   caused by any business, financial or contractual
obligations which prevent you or your travel
companion from travelling. This exclusion does not
apply to claims where you or your travel companion
are made redundant in Australia except where a
reasonable person in a similar situation would have
been aware before the Comprehensive International
Travel Insurance was purchased that the redundancy
was likely to occur; 
g)   it arises as a result of a tour operator or wholesaler
being unable to complete arrangements for any
tour because there were not enough people to go
on the tour. This exclusion does not apply to prepaid
travel arrangements bought separately to reach
the departure point for the tour or for other travel
arrangements which do not form part of the tour; 
h)   caused by delays or rescheduling by a bus line,
airline, shipping line or rail authority; 
i)   caused by any service provider misappropriating
your funds or failing to arrange or provide services for
which you have paid;   73 PART C – COMPREHENSIVE

j)   caused by the financial collapse or insolvency of any
service provider; 
k)   caused by the mechanical breakdown of any means
of transport; 
l)   caused by an act of terrorism; or 
m)   you are a full-time permanent employee and your
pre-arranged leave is cancelled by your employer
unless you are a full-time member of the Australian
Defence Force or of federal, state or territory
emergency services.
Please ensure you also read all the sections of the
Comprehensive International Travel Insurance
- in particular, consider the   General Exclusions   on
pages 113 to 120 and   Our Definitions   on pages 135
to 144 in Part D. 
3.1 ADDITIONAL EXPENSES 
We will reimburse reasonable additional travel
and accommodation expenses if you or your travel
companion cannot continue your journey, need to return
to Australia, or your journey is otherwise disrupted due
to any of the events described under subsections   3.1.1 a) 
to   f) . 
Explanation – Travel expenses &
Accommodation expenses 
•   Travel expenses refers to expenses directly related
to transport, such as airfares, rail fares, bus fares,
taxi fares, and rideshare services.
•   Accommodation expenses refers to the room rate
of a hotel or any other kind of lodging for which
you make a reservation and does not include
expenses such as meals, drinks, room service,
and laundry. 
74 PART C – COMPREHENSIVE

3.1.1 What we cover
a)   Additional travel & accommodation expenses due
to your incapacity 
If you cannot continue your journey because of
an injury, sickness (including if you are positively
diagnosed as suffering a sickness recognised as
an epidemic or pandemic such as COVID-19) or
pre-existing medical condition (that we have
approved cover for in writing) that needs immediate
and continued treatment from a medical adviser
and is covered by this Comprehensive International
Travel Insurance, we will reimburse your reasonable
additional travel and accommodation expenses. To
provide proof of incapacity and inability to travel,
where reasonably practicable, you should obtain
written confirmation from the treating medical
adviser. Please call Allianz Global Assistance to
confirm approval for these expenses. Otherwise, we
may reduce the amount payable for your claim to the
extent we are prejudiced. Such approval will not be
unreasonably withheld or delayed. 
b)   Additional travel & accommodation expenses due
to your travel companion’s incapacity 
If your travel companion cannot continue their
journey because of an injury or sickness (including
if your travelling companion is positively diagnosed
as suffering a sickness recognised as an epidemic
or pandemic such as COVID-19) (but not a pre-
existing medical condition) that needs immediate
and continued treatment from a medical adviser
and would be covered by this Comprehensive
International Travel Insurance, we will reimburse your
reasonable additional travel and accommodation
expenses for you to remain with your travel
companion. To provide proof of your travel
companion’s incapacity and inability to travel, where
reasonably practicable, they should obtain written
confirmation from their treating medical adviser.
Please call Allianz Global Assistance to confirm
approval for these expenses. Otherwise, we may
reduce the amount payable for your claim to the
extent we are prejudiced. Such approval will not be
unreasonably withheld or delayed. 
75 PART C – COMPREHENSIVE

c)   Emergency travel & accommodation expenses
for a necessary companion 
If during the period of cover available for your
journey, you are admitted to hospital with a life
threatening or other serious medical condition
covered by this Comprehensive International Travel
Insurance, or are evacuated for medical reasons
covered by your Comprehensive International Travel
Insurance, we will reimburse the reasonable travel
and accommodation expenses for a relative or friend
to travel to you, stay near you, or escort you. The
relative or friend must travel to you, stay near you, or
escort you on the recommendation of your treating
medical adviser and with the prior agreement of
Allianz Global Assistance for which approval will not
be unreasonably withheld or delayed. Please call
Allianz Global Assistance for approval before any
expenses are incurred. Otherwise, we may reduce
the amount payable for your claim to the extent we
are prejudiced. 
d)   Return home on medical advice 
If you shorten your journey and return to Australia
on the advice of your treating medical adviser and
with the approval of Allianz Global Assistance,
such approval will not be unreasonably withheld
or delayed, we will reimburse your reasonable
additional travel and accommodation expenses. We
will only pay the cost of the fare class that you had
originally planned to return home on and you must
take advantage of any pre-arranged return travel
to Australia. Please call Allianz Global Assistance to
confirm approval for these expenses. 
e)   Return home due to relative’s death or hospital
admission 
If you need to return to Australia earlier than planned
because, during the period of cover for your journey:
•   your travel companion dies unexpectedly or is
admitted to hospital as a result of a serious injury
or illness; or
•   a relative of yours or of your travel companion,
who resides in Australia or New Zealand dies
unexpectedly or is admitted to hospital in Australia
or New Zealand as a result of a serious injury or
illness, 
76 PART C – COMPREHENSIVE

we will reimburse your reasonable additional travel
and accommodation expenses up to the limit shown
in the   Table of Benefits   on page 54, except if the
death, injury or illness arises from a pre-existing
medical condition. 
If the death, injury or illness arises from a pre-existing
medical condition, the most we will pay for all
claims under subsection   3.1.1. e)   will be $2,000 for
a cardholder or $2,000 per person to a maximum
total limit of $4,000 for a cardholder travelling with
their spouse, but only if at the time of issue of your
Comprehensive International Travel Insurance you
were, or a reasonable person in your circumstances
would have been, unaware of the likelihood of their
dying or being admitted to hospital. 
Please call Allianz Global Assistance to confirm
approval for these expenses. 
f)   Additional travel and accommodation expenses
due to specified events 
If a disruption to your journey arises from any of the
following reasons during the period of cover:
•   your scheduled or connecting transport is
cancelled, delayed, rescheduled or diverted
because of a strike, riot, hijack, civil protest,
weather, natural disaster or accident affecting your
mode of transport;
•   you unknowingly break any quarantine rule;
•   you lose your passport, travel documents or
transaction cards or they are stolen; or
•   you need to return to Australia early because your
home is rendered uninhabitable by fire, explosion,
earthquake or flood, 
we will reimburse your reasonable travel and
accommodation expenses. We will only pay the fare
class that you had originally planned to travel on and
you must take advantage of any prearranged travel. 
Please call Allianz Global Assistance to confirm
approval for these expenses. 
77 PART C – COMPREHENSIVE

If we pay your claim for additional travel expenses to
return to your home and you do not have a return ticket
booked to Australia before the event causing your claim
occurred, we will reduce the amount of your claim by the
price of the fare to Australia from the place you planned
to return to Australia from. The fare will be at the same
fare class as the one you left Australia on.
Whenever claims are made by you under Benefits 3.1
Additional Expenses and 2.1 Cancellation for cancelled
services/ facilities or alternative arrangements for the
same or similar services/facilities, we will pay for the
higher of the two amounts, not both.
Note: If Allianz Global Assistance arranges your travel or
accommodation under Benefit 3.1 Additional Expenses,
any claim payable to you under 2.1 Cancellation for the
same or similar services/facilities will be reduced by the
amount Allianz Global Assistance incurred in arranging
your travel or accommodation. 
Example – Additional Expenses vs Cancellation 
An unforeseen medical event means you need to
change your journey. Your original trip costs are:
•   Flights $2,000
•   Accommodation $1,000
To continue your journey you need to spend $2,500
for new flights and $500 on accommodation. Your
airline gives you a full refund for the original flights
and you are only able to get a $250 refund on your
accommodation.
Allowable claim:
•   Flights $500 - new flights $2,500 less refund of
$2,000 from original flights
•   Accommodation $750 - original accommodation
of $1,000 less $250 is higher than new
accommodation of $500.
Your claimable amount will be $1,250.
This will put you back in your original financial
position. Note that any applicable excess will be
deducted from the claimable amount. 
78 PART C – COMPREHENSIVE

3.1.2 What we do not cover 
To the extent permitted by law, we will not pay your
claim if: 
a)   you were aware, or a reasonable person in your
circumstances would have been aware, of any
reason, before your period of cover commenced,
that may cause your journey to be cancelled,
disrupted or delayed; 
b)   caused by the death, injury or illness of your relative
arising from a pre-existing medical condition, except
as specified under sub-section   3.1.1 e) ; 
c)   you can recover your additional travel and
accommodation expenses from anyone else. If
you are not paid the full amount of your claim, we
will make up the difference, up to the amount this
Comprehensive International Travel Insurance covers
your for; 
d)   your claim relates to the financial collapse or
insolvency of any service provider; 
e)   caused by any service provider misappropriating
your funds or failing to arrange or provide services for
which you have paid; 
f)   for cancellations, delays, rescheduling or diversions
to your scheduled or connecting transport unless due
to a strike, riot, hijack, civil protest, weather, natural
disaster or accident affecting your mode of transport;
or 
g)   your claim arises directly or indirectly out of you
operating a rental vehicle in violation of the rental
vehicle agreement.
Please ensure you also read all the sections of the
Comprehensive International Travel Insurance
- in particular, consider the   General Exclusions   on
pages 113 to 120 and   Our Definitions   on pages 135
to 144 in Part D. 
79 PART C – COMPREHENSIVE

3.2 TRAVEL DELAY EXPENSES
3.2.1 What we cover 
If circumstances outside your control result in an
unexpected delay to your journey of at least 6
consecutive hours during the period of cover, we will
reimburse your reasonable additional meals and
accommodation expenses.
We will pay up to $300 for a cardholder or $300 per
person for a cardholder travelling with their spouse (up
to a maximum limit of $600) after the initial 6 consecutive
hour delay, as well as for each subsequent consecutive
24 hours that the delay continues. 
Explanation - Accommodation expenses 
refers to the room rate of a hotel or any other kind
of lodging for which you make a reservation and
does not include expenses such as room service and
laundry. 
3.2.2 What we do not cover 
To the extent permitted by law we will not pay if a delay
to your journey: 
a)   arises from an act of terrorism; or 
b)   is caused by the financial collapse or insolvency of
any service provider.
Please ensure you also read all the sections of the
Comprehensive International Travel Insurance
- in particular, consider the   General Exclusions   on
pages 113 to 120 and   Our Definitions   on pages 135
to 144 in Part D. 
3.3 ALTERNATIVE TRANSPORT EXPENSES
3.3.1 What we cover 
If your scheduled transport is cancelled, delayed,
shortened or diverted during the period of cover and
that means you would not arrive on time to a wedding,
funeral, prepaid airline/rail travel, pre-paid tour/cruise,
pre-paid conference, pre-paid sporting event, pre-paid 
80 PART C – COMPREHENSIVE

concert/cultural event or pre-paid accommodation
which, before you left Australia, you had planned to
attend or utilise while you are overseas, we will pay your
reasonable additional travel expenses to enable you to
arrive on time. 
Explanation - Travel expenses 
refers to expenses directly related to transport,
such as airfares, rail fares, bus fares, taxi fares, and
rideshare services. 
3.3.2 What we do not cover 
To the extent permitted by law we will not pay if the
cancellation, delay, shortening or diversion: 
a)   arises from an act of terrorism; or 
b)   is caused by the financial collapse or insolvency of
any service provider.
Please ensure you also read all the sections of the
Comprehensive International Travel Insurance
- in particular, consider the   General Exclusions   on
pages 113 to 120 and   Our Definitions   on pages 135
to 144 in Part D. 
4.1 LUGGAGE, PERSONAL EFFECTS & VALUABLES 
You must take all reasonable precautions to safeguard
your luggage and personal effects and your valuables. If
you do not, we will not pay your claim. For example, you
will not be taking reasonable precautions if you leave
your belongings in a public space:
•   at such a distance from you that you are unable to
prevent them being taken; or
•   with a person who is not named on your Certificate of
Insurance, or who is not a travelling companion or a
relative (or if these persons fail to take all reasonable
precautions to safeguard your luggage and personal
effects or valuables).
This includes forgetting or misplacing any items, leaving
them behind or walking away from them. 
81 PART C – COMPREHENSIVE

4.1.1 What we cover
a)   Cover is provided for your luggage and personal
effects or valuables if, during the period of cover for
your journey, they are stolen, accidentally damaged
or are permanently lost, unless they are:
•   left in any vehicle (other than as stated in
sub-section   4.1.1 c) ); or
•   sporting equipment while it is in use; or
•   valuables which have been: 
–   left in a vehicle at any time (even if they were in a
concealed storage compartment), or 
–   checked in to be transported in the cargo hold of
any aircraft, ship, train, tram or bus, including any
loss or damage which occurs during the time after
check-in but prior to you collecting your items
from the designated collection area, in which case
no cover will be provided under this benefit. 
The amount we will pay will be the lesser of:
•   the depreciated value after allowing for age, wear
and tear (see the   Depreciation   section on pages
129 and 130 for more detail);
•   the original purchase price; the replacement cost;
or
•   the repair cost, 
limited to a maximum amount for any one item of:
•   $3,000 for personal computers, tablets, cameras or
video cameras;
•   $1,000 for mobile phones (including smart phones
and any items with phone capabilities); or
•   $750 for all other items (including jewellery and
watches), 
up to the benefit limit shown in the   Table of Benefits 
for your Comprehensive International Travel
Insurance on page 55. 
We will not apply depreciation to any item we pay for
where less than 12 consecutive months have elapsed
since the item was purchased new. 
82 PART C – COMPREHENSIVE

A pair or related set of items are considered to be only
one item for the purpose of this insurance and the
relevant single item limit will be applied. 
For example: a pair or related set of items could
include, but not be limited to, the following:
•   a camera, lenses (attached or not), tripod and
accessories;
•   a matched or unmatched set of golf clubs, golf bag
and buggy; or
•   a pair of earrings. 
b)   If you have purchased the optional Increased Item
Limits Cover, the item limits set out in sub-section 
4.1.1 a)   will not apply to those item types shown on
your Certificate of Insurance. Depreciation will also
not be applied to any item types for which you have
purchased Increased Item Limits Cover. 
The maximum amount we will pay for any one item
(including a pair or related set of items as shown
in the example in sub-section   4.1.1 a) ) is up to the
increased item limit shown on your Certificate of
Insurance. 
The maximum we will pay for all claims combined
under Benefit 4.1 Luggage, Personal Effects &
Valuables is the benefit limit shown in the   Table of
Benefits   for this Comprehensive International Travel
Insurance on page 55, even if you have purchased 
Increased Item Limits Cover . 
c)   Any luggage and personal effects left in a vehicle
will only be covered during daylight hours and only
if the items were placed in a concealed storage
compartment of a locked vehicle. In the event of theft,
forced entry must have been made to the vehicle. 
The most we will pay in the event of a payable claim
under   4.1.1 c)   is $200 for each item, and $2,000 in
total for all stolen items, even if you have purchased
the optional Increased Item Limits Cover. No cover is
available for valuables left in a vehicle at any time. 
The maximum amount we will pay for all claims
combined under this benefit is the benefit limit shown
in   Table of Benefits , even if you have purchased the
optional   Increased Item Limits Cover . 
83 PART C – COMPREHENSIVE

We expect you to report any loss or theft to the police
or an office of the bus line, airline, shipping line or
rail authority you were travelling on when the loss or
theft occurred. 
You should make reasonable efforts to obtain
confirmation from whoever you made the report to.
This may be the easiest way to provide evidence of
the loss or theft. 
We may be entitled to reduce your claim if you
unreasonably delay or fail to make a report. A
reduction in your claim may occur to the extent of
the amount of prejudice we have suffered caused
by your delay. 
4.1.2 What we do not cover 
To the extent permitted by law, we will not pay a claim
in relation to your luggage and personal effects or
valuables if: 
a)   the loss, theft or damage is to, or of, items which have
been left behind in any aircraft, ship, train, tram, taxi,
ride share or bus, or in any hotel or motel room after
you have checked out; 
b)   the luggage and personal effects or valuables were
being sent unaccompanied by you or under a freight
contract; 
c)   the loss or damage arises from any process of
cleaning, repair or alteration; 
d)   the loss or damage arises from ordinary wear and
tear, inherent defect, deterioration, atmospheric or
weather conditions, insects, rodents or vermin; 
e)   you do not take all reasonable precautions to
safeguard your luggage and personal effects or
valuables. For example, you will not be taking
reasonable precautions if you leave your belongings
in a public space:
•   at such a distance from you that you are unable to
prevent them being taken; or
•   with a person who is not named on your Certificate
of Insurance, or who is not a travelling companion
or a relative (or if these persons fail to take all
reasonable precautions to safeguard your luggage
and personal effects or valuables). 
84 PART C – COMPREHENSIVE

This includes forgetting or misplacing any items,
leaving them behind or walking away from them; 
f)   the luggage and personal effects or valuables have
an electrical or mechanical breakdown; 
g)   the damage relates to:
•   items which are fragile or brittle;
•   cracking or breakage of the screen of mobile
phones, smart watches, laptops or tablets; or
•   an electronic component which is broken or
scratched, 
other than where:
•   the item is the lens of spectacles, binoculars or
photographic or video equipment; or
•   the damage was caused by a crash involving a
vehicle or carrier in which you are travelling; or 
h)   you are entitled to be reimbursed by the bus line,
airline, shipping line or rail authority you were
travelling on when the loss, theft, misplacement or
damage occurred. However, if you are not reimbursed
the full amount of your claim, we will pay the
difference between the amount of your loss and what
you were reimbursed, up to the limit of your cover in
the   Table of Benefits   (allowing for depreciation due
to age, wear and tear if. See the   Depreciation   section
on pages 129 and 130 for more details.).
Please ensure you also read all the sections of the
Comprehensive International Travel Insurance
- in particular, consider the   General Exclusions   on
pages 113 to 120 and   Our Definitions   on pages 135
to 144 in Part D. 
4.2 LUGGAGE & PERSONAL EFFECTS DELAY
EXPENSES
4.2.1 What we cover 
If during the period of cover your luggage and personal
effects are delayed, misdirected or misplaced by the
carrier for more than 10 consecutive hours (except on the
final leg of your journey to your home), we will reimburse
you for the reasonable expenses you incur up to the
amount shown in   Table of Benefits   to purchase essential
items of clothing or other personal items.   85 PART C – COMPREHENSIVE

You should make reasonable efforts to obtain
confirmation from the carrier who was responsible for
your luggage and personal effects confirming that your
items were delayed, misdirected or misplaced. This may
be the easiest way to provide evidence of the delay. 
If your items are not returned to you and are
considered to be permanently lost, we will deduct
the amount we have paid you under this benefit
from any payable claim you have made under 
Benefit 4.1 Luggage, Personal Effects & Valuables 
for those items. 
4.2.2 What we do not cover 
To the extent permitted by law, we will not pay if you
are entitled to compensation from the carrier you were
travelling on for the relevant amount claimed.
However, if you are not reimbursed the full amount,
we will pay the difference between the amount of your
expenses and what you were reimbursed, up to the limit
of your cover.
Please ensure you also read all the sections of the
Comprehensive International Travel Insurance
- in particular, consider the   General Exclusions   on
pages 113 to 120 and   Our Definitions   on pages 135
to 144 in Part D. 
4.3 TRAVEL DOCUMENTS, TRANSACTION
CARDS & TRAVELLERS CHEQUES
4.3.1 What we cover 
If during the period of cover for your journey, you lose
any essential travel documents (including passports),
transaction cards or travellers cheques, or they are stolen
from you or destroyed, we will reimburse you up to the
amount shown in   Table of Benefits   for:
•   the issuer’s fees for any replacement costs (including
communication costs) of the items which have been
lost, stolen or destroyed; and/or 
86 PART C – COMPREHENSIVE

•   any loss resulting from fraudulent use of your lost or
stolen transaction cards or travellers cheques other
than those amounts covered by any guarantee given
by the bank or issuing company to you as the holder of
the transaction cards or travellers cheques.
Where reasonably practicable, we expect you to
report any loss or theft to the police and, in the case of
transaction cards or travellers cheques, to the issuing
bank or company in accordance with the conditions
under which the transaction cards or travellers cheques
were issued.
You should make reasonable efforts to obtain
confirmation from whoever you made the report to.
This may be the easiest way to provide evidence of the
loss or theft.
We may be entitled to reduce your claim if you
unreasonably delay or fail to make a report. A reduction
in your claim may occur to the extent of the amount of
prejudice we have suffered caused by your delay.
Please ensure you also read all the sections of the
Comprehensive International Travel Insurance
- in particular, consider the   General Exclusions   on
pages 113 to 120 and   Our Definitions   on pages 135
to 144 in Part D. 
4.4 THEFT OF CASH
4.4.1 What we cover 
If cash, bank notes, currency notes, postal orders or
money orders are stolen from your person during the
period of cover for your journey, we will reimburse you
up to the amount shown in   Table of Benefits   for the
Comprehensive International Travel Insurance on
page 55.
Where reasonably practicable, we expect you to report
the theft to the police or an office of the bus line, airline,
shipping line or rail authority you were travelling on when
the theft occurred.
You should make reasonable efforts to obtain
confirmation from whoever you made the report to. This
may be the easiest way to provide evidence of the theft. 
87 PART C – COMPREHENSIVE

We may be entitled to reduce your claim if you
unreasonably delay or fail to make a report. A reduction
in your claim may occur to the extent of the amount of
prejudice we have suffered caused by your delay.
Please ensure you also read all the sections of the
Comprehensive International Travel Insurance
- in particular, consider the   General Exclusions   on
pages 113 to 120 and   Our Definitions   on pages 135
to 144 in Part D. 
5.1 RENTAL VEHICLE EXCESS 
This cover will apply if:
•   you hire a rental vehicle from a rental company or
agency;
•   you are a nominated driver on the rental vehicle
agreement; and
•   the rental vehicle agreement offered by the rental
company or agency specifies a maximum amount that
you must pay if the rental vehicle is damaged or stolen. 
This Benefit only provides cover for the amount
specified in your rental vehicle agreement that
you are responsible to pay if you are involved in
an accident or the rental vehicle is stolen. Please
carefully read the rental vehicle agreement and
the options available to limit the amount you are
responsible for. The rental vehicle agreement may
also contain conditions or exclusions that you need
to be aware of.
This Benefit may not provide cover for items, such
as but not limited to, tyres, rims, windscreens, glass,
roof and/or underbody if damage to these items is in
addition to the specific amount shown in your rental
vehicle agreement that you are responsible to pay
for damage or theft. 
88 PART C – COMPREHENSIVE

5.1.1 What we cover
a)   Rental vehicle accident/theft 
If, during the period of cover for your journey, the
rental vehicle is:
•   involved in a motor vehicle accident while you are
driving it; or
•   damaged or stolen while in your custody, 
we will pay you the lesser of:
•   the amount specified that you are liable to pay
under your rental vehicle agreement; or
•   the cost of property damage for which you are
liable, 
up to the limit shown in the   Table of Benefits   for
Comprehensive International Travel Insurance on
page 55. 
To support your claim, you will need to take
reasonable steps to provide:
•   your rental vehicle agreement;
•   the incident report that was completed; and
•   written confirmation from the rental company or
agency of the amount for which you are liable. 
You may also need to provide:
•   the repair account and invoice from the motor
vehicle repairer (if available to you); and
•   an itemised list of the value of the damage. 
b)   Return of rental vehicle due to incapacity 
If you are incapacitated during the period of cover for
your journey by an event covered by this policy, and
a treating medical adviser diagnoses you as unfit to
return the rental vehicle to the nearest depot, we will
pay up to the amount shown in the   Table of Benefits 
for Comprehensive International Travel Insurance on
page 55, for the cost of returning the rental vehicle. 
89 PART C – COMPREHENSIVE

5.1.2 What we do not cover 
To the extent permitted by law, we will not pay for a
claim which arises from, or is for: 
a)   any damage or theft caused by you using the
rental vehicle in breach of the terms of the rental
agreement; 
b)   you using the rental vehicle without a licence for the
purpose you were using it (such as carrying freight or
passengers for payment); 
c)   any loss or damage involving an unauthorised driver; 
d)   costs other than those specified in sub-section   5.1.1
a)   or   b) ; or 
e)   diminishment of value, depreciation, administration
charges or other fees or any loss of use penalties
charged by the rental company or agency.
Please ensure you also read all the sections of the
Comprehensive International Travel Insurance
- in particular, consider the   General Exclusions   on
pages 113 to 120 and   Our Definitions   on pages 135
to 144 in Part D. 
OPTIONAL COVERS 
You may also be able to add one or more of our optional
covers to your Comprehensive International Travel
Insurance. Please read about the available options on
pages 90 to 112 for information on how to:
•   include cover for additional activities by purchasing an
optional pack.
•   increase the standard item limits which apply to your
luggage, personal effects and valuables.
•   vary the base excess amount which applies to your
Comprehensive International Travel Insurance.
Any optional covers you purchase will be shown on your
Certificate of Insurance. 
90 PART C – COMPREHENSIVE

Please ensure you read this section in full, as well as
all the sections of the Comprehensive International
Travel Insurance, so that you are aware of the
limitations and extent of the cover this product
provides. In particular, please consider the 
General Exclusions   on pages 113 to 120 as well as 
Our Definitions   on pages 135 to 144 in Part D. 
Cover for additional activities 
If your travel plans include an activity not listed in the
section   Activities included in this Product   on pages
65 to 67, you may wish to purchase one of our optional
packs. Our   Adventure Pack, Cruise Pack   and   Snow
Pack   are detailed on pages 91 to 112, and are available
for purchase with a Comprehensive International Travel
Insurance.
Age and cover restrictions, as well as an additional $500
excess, apply to our   Adventure Pack   and   Snow Pack . 
Adventure Pack 
Our   Adventure Pack   provides cover for your
participation in the activities listed on page 92, in
addition to the activities listed in the section Activities
Included in this Product on pages 65 to 67. If you
purchase the   Adventure Pack , it will be shown on your
Certificate of Insurance.
You must be aged under 81 years at the time of issue of
your Certificate of Insurance in order to purchase this
optional pack.
•   No cover will apply under   Benefits 1.5 Permanent
Disability   in the Comprehensive International Travel
Insurance or   Benefit 6.1 Personal Liability   in the
Complimentary International Travel Insurance for
any claims arising from, or in any way connected with
you participating in any of the activities listed in the 
Adventure Pack .
•   An excess of $500, which is in addition to any base
excess, will apply to any claims made under   Benefits
1.2 Overseas Medical & Hospital Expenses (including
Dental)   or   2.1 Cancellation   which arise from, or are
in any way connected with you participating in any of
the   Adventure Pack   listed activities. You cannot pay to
remove this excess. 
91 PART C – COMPREHENSIVE

Covered adventure activities 
•   abseiling;
•   animal conservation and handling (under appropriate
supervision);
•   battle re-enactment (but not with firearms);
•   cave/river tubing;
•   caving/potholing;
•   contact sports (including any form of rugby, Australian
Rules football or American football);
•   deep sea fishing;
•   diving underwater using an artificial breathing
apparatus at a depth more than 10 metres no greater
than 30 metres (in order to be covered for this activity,
you must hold an open water diving licence recognised
in Australia or dive with an instructor licensed for these
activities and note that restrictions apply - refer to 
General Exclusions   ‘Activities’ and ‘Diving alone’);
•   expeditions to or on the Kokoda Track/ Trail;
•   flying fox/zip lining;
•   hiking, trekking or tramping, peaking at altitudes from
3,000 metres up to 6,000 metres, where specialist
climbing equipment is not required;
•   martial arts;
•   motorcycles, mopeds or motorised scooters – including
as the driver or as a pillion passenger (see below);
•   outdoor rock climbing (with ropes and appropriate
safety gear);
•   quad bike riding -but only single rider (see below);
•   sailing from 11 to 15 nautical miles from land;
•   shooting (moving target - eg. clay pigeon), but not
hunting;
•   surface water activities in rivers or rapids graded IV or
V under the International Scale of River Difficulty (see
www.waterwaysguide.org.au/GradingSystem);
•   tandem parachuting, tandem sky diving, tandem hang
gliding, tandem gliding and tandem paragliding (but
you must be in tandem with a licensed instructor for
these activities). 
92 PART C – COMPREHENSIVE

Even if you purchase the   Adventure Pack , you will
only be covered while riding on a motorcycle, moped,
motorised scooter or quad bike if:
•   you hold the appropriate class of licence
(excluding learners licences) in Australia for the
vehicle you are driving, or a licence valid for the
country you are riding in, if your Australian licence
is not recognised in that country;
•   when you are riding as a pillion passenger on a
motorcycle, moped or motorised scooter, the driver
holds a licence valid for that vehicle and for the
country it is being ridden in. However, this restriction
will not apply if it is reasonable that you did not
know that the driver was not licensed and no
exclusion applies to the circumstances of your claim;
•   you are the driver of a quad bike and you are not
carrying a pillion passenger – there is also no cover
if you ride as a pillion passenger on a quad bike;
•   you wear an appropriate safety helmet at all
times; and
•   you are not participating in any race or riding a
motorcycle, moped, motorised scooter or quad
bike in a professional capacity. 
Optional Covers - Cruise Pack and Snow Pack
Policy Benefits 
The maximum amount we will pay for all claims
combined under each benefit is shown in the 
Table of Benefits   section.
Your Certificate of Insurance will also show the 
Optional Covers   you are covered for.
Please ensure you also read all the sections of this
Comprehensive International Travel Insurance so
that you are aware of the limitations and extent of
the cover the policy provides. In particular, please
consider the   General Exclusions   on pages 113 to 120
as well as   Our Definitions   on pages 135 to 144 in
Part D. 
93 PART C – COMPREHENSIVE

Cruise Pack 
Our   Cruise Pack   provides cover for you to participate in
sea and ocean cruising while you are overseas.
Please refer to the definition of ‘Cruise or cruising’ in 
Our Definitions   on page 137 in Part D.
The   Cruise Pack Table of Benefits   on page 56 sets
out the benefits that apply to the optional   Cruise Pack 
and the maximum amount we will pay for all claims
combined under each benefit.
For full details of the cover provided, see the   Optional
Covers - Cruise Pack Policy Benefits 7.1 – 7.7 .
You cannot purchase any benefits of the   Cruise Pack 
individually.
If you purchase the   Cruise Pack , it will be shown on your
Certificate of Insurance. 
You will not need to purchase a Cruise Pack if: 
•   you will only be participating in river cruising - this
activity is automatically covered in the section 
Activities included in this Product   on pages
65 to 67; or 
7.1 MEDICAL COVER WHILE CRUISING 
You have this cover if you purchased the optional 
Cruise Pack . See the Optional Covers section for details. 
7.1.1 What we cover
a)   If while on your cruise during the period of cover,
you injure yourself, or become sick (including if you
are positively diagnosed as suffering a sickness
recognised as an epidemic or pandemic such as
COVID-19), we will reimburse the reasonable medical
or hospital expenses you incur until you return to
Australia provided the relevant injury or sickness
is covered by your policy. The medical or hospital
expenses must have been incurred for treatment
given or prescribed by a medical adviser. 
94 PART C – COMPREHENSIVE

b)   If during the period of cover, you require treatment
while on a cruise, for a pre-existing medical condition
for which we have agreed in writing to provide cover,
we will reimburse the reasonable medical or hospital
expenses you incur until you return to Australia.
The medical or hospital expenses must have been
incurred for treatment given or prescribed by a
medical adviser; however we will not pay for the
cost of medication you were on, or the cost of a
course of treatment you were receiving at the time
your journey began.
We will pay for treatment received and/or hospital
accommodation you require until either:
•   you return to Australia; or
•   a maximum period of 12 consecutive months after the
sickness first presented itself, or the injury occurred, or
the pre-existing medical condition we agreed in writing
to cover required treatment, has been reached,
whichever happens first.
If after assessment of your claim, the reasonable medical
advice indicates that you should return to Australia for
treatment and you do not agree to do so, we will pay you
a reasonable amount up to the limit shown under the 
Cruise Pack Table of Benefits , equivalent to:
•   your medical expenses and/or related costs incurred
overseas, including those incurred while on-board the
cruise, until the date that we would have been able to
reasonably facilitate your return to Australia; plus
•   the reasonable amount it would cost to facilitate your
return to Australia; plus
•   the non-refundable portion of unused travel and
accommodation arrangements you would have
lost had you followed the advice of Allianz Global
Assistance.
You will then be responsible for any ongoing or
additional costs relating to or arising out of the event
you have claimed for. 
95 PART C – COMPREHENSIVE

Dental Treatment while Cruising 
Subject to the conditions above, we will cover dental
expenses that are: 
Due to an injury:   due to an injury if you are involved in
an accident while you are on your cruise and require
treatment as provided under sub-section   7.1.1 . We will
also pay the necessary costs incurred on the cruise and/
or overseas to repair damage to your teeth caused by
injuries you sustained in the accident. 
Due to sudden onset of pain:   due to sudden onset of
dental pain that requires urgent treatment while you are
on your cruise.
For cover to apply:
•   the tooth or teeth being treated must be healthy
natural teeth (including teeth restored with fillings)
with no impairment, periodontal or other conditions;
and
•   the treatment is prescribed by the treating dentist
solely for the immediate relief of sudden and acute
onset of pain due to either an infection or you biting on
something which caused the tooth to chip or break. 
7.1.2 What we do not cover 
To the extent permitted by law, we will not pay for costs
or expenses: 
a)   when you have not notified Allianz Global Assistance
as soon as practicable of your admittance to hospital; 
b)   that relate to treatment exceeding more than 2
weeks by a dentist unless approved by Allianz Global
Assistance, such approval shall not be unreasonably
withheld or denied. Please contact Allianz Global
Assistance to obtain approval for these costs; 
c)   that you would not have incurred had you followed
the reasonable advice of Allianz Global Assistance
unless you can show the expense was necessarily
incurred in circumstances beyond your control; 
d)   for damage to dentures, dental prostheses, bridges or
crowns; 
e)   relating to dental treatment involving the use of
precious metals or for cosmetic dentistry; 
96 PART C – COMPREHENSIVE

f)   for dental treatment caused by or related to the
deterioration and/or decay of teeth; or 
g)   for preventative dental treatment.
Please ensure you also read all the sections of the
Comprehensive International Travel Insurance
- in particular, consider the   General Exclusions   on
pages 113 to 120 and   Our Definitions   on pages 135
to 144 in Part D. 
7.2 EVACUATION COVER - SHIP TO SHORE 
You have this cover if you purchased the optional 
Cruise Pack . See the   Optional Covers   section for details. 
7.2.1 Emergency arrangements 
Allianz Global Assistance will arrange and pay the cost
of the following assistance services if, while onboard a
cruise during the period of cover you injure yourself, or
become sick (including if you are positively diagnosed
as suffering a sickness recognised as an epidemic or
pandemic such as COVID-19), or require treatment for a
pre-existing medical condition that we have agreed in
writing to cover, provided the relevant injury, or sickness,
or pre-existing medical condition is covered by the policy: 
a)   access to a medical adviser for emergency medical
treatment; 
b)   any messages which need to be passed on to your
family or employer in the case of an emergency, as
well as contacting relevant embassies and consulates
if required; 
c)   provision of any written guarantees for payment
of reasonable expenses for emergency hospital
admission while on a cruise or overseas; 
d)   your medical transfer or evacuation if you must be
transported to the nearest overseas hospital for
emergency medical treatment or be brought back to
Australia with appropriate medical supervision; and 
e)   the return to Australia of your dependants if they
are left without supervision following your hospital
admission or evacuation. 
97 PART C – COMPREHENSIVE

In addition: 
f)   if you die while on a cruise as a result of an injury, or
a sickness (including if you are positively diagnosed
as suffering a sickness recognised as an epidemic
or pandemic such as COVID-19), or a pre-existing
medical condition that we have agreed in writing
to cover, during the period of cover for your cruise,
we will pay for your reasonable funeral expenses
incurred overseas or the cost of bringing your remains
back to your home. The maximum amount we will
pay is the sub-limit shown in the   Cruise Pack Table of
Benefits   for   Evacuation Cover – Ship to Shore . 
Please note that we will not pay for any costs
incurred in Australia except the reasonable cost of
transporting your remains from the inbound port or
airport to your home or nominated funeral service. 
7.2.2 What we do not cover 
To the extent permitted by law, we will not pay: 
a)   for any expenses for medical evacuation, funeral
expenses incurred overseas or bringing your remains
back to your home unless it has been approved by
Allianz Global Assistance, such approval will not be
unreasonably withheld or delayed. Please contact
Allianz Global Assistance to confirm approval for
these expenses; 
b)   for costs and expenses that you would not have
incurred had you followed reasonable medical
advice. This includes any subsequent medical,
hospital or evacuation expenses incurred when you
did not follow the reasonable medical advice.
Please ensure you also read all the sections of the
Comprehensive International Travel Insurance
- in particular, consider the   General Exclusions   on
pages 113 to 120 and   Our Definitions   on pages 135
to 144 in Part D. 
7.3 CABIN CONFINEMENT 
You have this cover if you purchased the optional 
Cruise Pack . See the   Optional Covers   section for details. 
98 PART C – COMPREHENSIVE

7.3.1 What we cover 
If while onboard a cruise during the period of cover,
you are confined to your cabin or in a medical facility
for a period of more than 48 consecutive hours due
to an injury, or sickness (including if you are positively
diagnosed as suffering a sickness recognised as an
epidemic or pandemic such as COVID-19), or pre-existing
medical condition that we agreed in writing to cover, that
you suffer during the period of cover for your journey,
we will pay you $50 for a cardholder or $50 per person
up to $100 for a cardholder and spouse for each 24
consecutive hours that you continue to be confined
beyond the initial 48 consecutive hours up to the benefit
limit shown in the   Cruise Pack Table of Benefits .
Please ensure you also read all the sections of the
Comprehensive International Travel Insurance
- in particular, consider the   General Exclusions   on
pages 113 to 120 and   Our Definitions   on pages 135
to 144 in Part D. 
7.4 PRE-PAID SHORE EXCURSION CANCELLATION 
You have this cover if you purchased the optional 
Cruise Pack . See the   Optional Covers   section for details. 
7.4.1 What we cover 
If while onboard a cruise during the period of cover, you
are confined to your cabin or in a medical facility as a
result of circumstances outside your control (including if
you or your travelling companion are positively diagnosed
as suffering a sickness recognised as an epidemic or
pandemic such as COVID-19), and cannot participate in
your pre-paid shore excursion(s), we will reimburse you
the non-refundable portion of your shore excursion costs
which you had paid in advance of cancellation.
Please ensure you also read all the sections of the
Comprehensive International Travel Insurance
- in particular, consider the   General Exclusions   on
pages 113 to 120 and   Our Definitions   on pages 135
to 144 in Part D. 
99 PART C – COMPREHENSIVE

7.5 FORMAL WEAR - CRUISE 
You have this cover if you purchased the optional 
Cruise Pack . See the   Optional Covers   section for details. 
7.5.1 What we cover 
Cover is provided for your formal wear if, during the
period of cover for your journey, it is stolen, accidentally
damaged or is permanently lost.
The amount we will pay will be the lesser of:
•   the depreciated value after allowing for age, wear
and tear (see the   Depreciation   section on pages 129
and 130 for more detail);
•   the original purchase price;
•   the replacement cost; or
•   the repair cost,
up to the limit shown in the   Cruise Pack Table of Benefits .
We expect you to report any loss or theft to the police
or an office of the bus line, airline, shipping line or rail
authority you were travelling on when the loss or theft
occurred.
You should make reasonable efforts to obtain confirmation
from whoever you made the report to. This may be the
easiest way to provide evidence of the loss or theft.
We may be entitled to reduce your claim if you
unreasonably delay or fail to make a report. A reduction
in your claim may occur to the extent of the amount of
prejudice we have suffered caused by your delay. 
7.5.2 What we do not cover 
To the extent permitted by law, we will not pay a claim in
relation to your formal wear if: 
a)   the loss, theft or damage is to, or of, formal wear left
behind in any aircraft, ship, train, tram, taxi or bus, or
in any hotel or motel room after you have checked
out, or in your cabin after you have disembarked at
the end of your cruise; 
b)   the formal wear was being sent unaccompanied by
you or under a freight contract; 
c)   the loss or damage arises from any process of
cleaning, repair or alteration; 
100 PART C – COMPREHENSIVE

d)   the loss or damage arises from ordinary wear
and tear, deterioration, atmospheric or weather
conditions, insects, rodents or vermin; 
e)   you did not take all reasonable precautions to
safeguard the formal wear. For example, you will not
be taking reasonable precautions if you leave your
belongings in a public space:
•   at such a distance from you that you are unable to
prevent them being taken; or
•   with a person who is not named on your Certificate
of Insurance, or who is not a travelling companion
or a relative (or if these persons fail to safeguard
your luggage).
This includes forgetting or misplacing any items, leaving
them behind or walking away from them; or 
f)   you are entitled to be reimbursed by the bus line,
airline, shipping line or rail authority you were
travelling on when the loss, theft or damage
occurred. However, if you are not reimbursed the
full amount of your claim, we will pay the difference
between the amount of your loss and what you were
reimbursed, up to the limit of your cover.
Please ensure you also read all the sections of the
Comprehensive International Travel Insurance
- in particular, consider the   General Exclusions   on
pages 113 to 120 and   Our Definitions   on pages 135
to 144 in Part D. 
7.6 FORMAL WEAR DELAY EXPENSES 
You have this cover if you purchased the optional 
Cruise Pack . See the   Optional Covers   section for details. 
7.6.1 What we cover 
If you need to purchase or hire replacement formal wear
because while on the outbound section of your journey
during the period of cover, your formal wear is delayed,
misdirected, or misplaced for more than 12 consecutive
hours from the time you boarded your cruise, we will
reimburse you for the reasonable purchase or hire costs
you incur. 
101 PART C – COMPREHENSIVE

7.6.2 What we do not cover 
To the extent permitted by law, we will not pay if you
are entitled to compensation from the carrier you were
travelling on for the relevant amount claimed. However,
if you are not reimbursed the full amount, we will pay the
difference between the amount of your expenses and
what you were reimbursed, up to the limit of your cover.
Please ensure you also read all the sections of the
Comprehensive International Travel Insurance
- in particular, consider the   General Exclusions   on
pages 113 to 120 and   Our Definitions   on pages 135
to 144 in Part D. 
7.7 MARINE RESCUE DIVERSION 
You have this cover if you purchased the optional 
Cruise Pack . See the   Optional Covers   section for details. 
7.7.1 What we cover 
In the event your cruise is required to divert from its
scheduled course in order to carry out a marine rescue
in accordance with obligations under international
conventions governing the Law of the Sea, and Search
and Rescue during the period of cover, we will pay you
up to the limit shown in the   Cruise Pack Table of Benefits 
for each day your cruise is diverted, up to a maximum of
5 consecutive days.
Please ensure you also read all the sections of the
Comprehensive International Travel Insurance
- in particular, consider the   General Exclusions   on
pages 113 to 120 and   Our Definitions   on pages 135
to 144 in Part D. 
102 PART C – COMPREHENSIVE

Snow Pack 
You must be aged under 81 years at the time of issue of
your Certificate of Insurance in order to purchase this
optional pack.
Our   Snow Pack   provides cover for you to participate
in snow sport activities. Please refer to the definition of
‘Snow sport activities’ in   Our Definitions   on page 144.
The   Table of Benefits   sets out the benefits that apply
to the optional   Snow Pack   and the maximum amount
we will pay for all claims combined under each benefit.
For full details of the cover provided, see the   Optional
Covers - Snow Pack Policy Benefits 7.8 – 7.13 .
You cannot purchase any benefits of the   Snow Pack 
individually. If you purchase the   Snow Pack , it will be
shown on your Certificate of Insurance. The   Table of
Benefits   is a summary only. Please carefully read this
Comprehensive International Travel Insurance in full to
ensure you understand the extent of cover provided and
limitations (including sub-limits) that apply.
•   No cover will apply:
•   for any form of racing, acrobatics, jumping,
stunting, aerial or freestyle activities, or competing
in a professional capacity;
•   if you participate in snow sport activities which
involve you going off-piste or back-country; or
•   under   Benefits 1.5 Permanent Disability   in the
Comprehensive International Travel Insurance
or   6.1 Personal Liability   in the Complimentary
International Medical Travel Insurance for any
claims arising from, or in any way connected with
you participating in snow sport activities.
•   An excess of $500, which is in addition to any base
excess, will apply to any claims made under   Benefits
1.2 Overseas Medical & Hospital Expenses (including
Dental)   or   2.1 Cancellation   which arise from, or are
in any way connected with you participating in snow
sport activities. You cannot pay to remove this excess.
•   There is no cover under   Benefit 7.8 Overseas
Emergency Snow Sport Assistance   while travelling
in Australia. 
103 PART C – COMPREHENSIVE

7.8 OVERSEAS EMERGENCY SNOW SPORT
ASSISTANCE 
You only have this cover if you purchased the optional 
Snow Pack . See the   Optional Covers   section for details. 
7.8.1 Emergency arrangements 
Allianz Global Assistance will arrange and pay the cost
of the following assistance services if while participating
in snow sport activities overseas during the period of
cover for your journey, you injure yourself, or become sick
(including if you are positively diagnosed as suffering a
sickness recognised as an epidemic or pandemic such
as COVID-19), or require treatment for a pre-existing
medical condition that we have agreed in writing
to cover, provided the relevant injury, or sickness, or
preexisting medical condition is covered by your policy: 
a)   access to a medical adviser for emergency medical
treatment while overseas; 
b)   any messages which need to be passed on to your
family or employer in the case of an emergency, as
well as contacting relevant embassies and consulates
if required; 
c)   provision of any written guarantees for payment
of reasonable expenses for emergency hospital
admission while overseas; 
d)   your medical transfer or evacuation if you must be
transported to the nearest overseas hospital for
emergency medical treatment or be brought back to
Australia with appropriate medical supervision; and 
e)   the return to Australia of your dependants if they
are left without supervision following your hospital
admission or evacuation.
In addition: 
f)   if you die as a result of an injury, or a sickness, or
pre-existing medical condition that we have agreed
in writing to cover, during the period of cover for
your journey, we will pay for your reasonable funeral
expenses incurred overseas or the cost of bringing
your remains back to your home. The maximum
amount we will pay is the limit shown in the table
of benefits for   Overseas Emergency Snow Sport
Assistance . 
104 PART C – COMPREHENSIVE

Please note that we will not pay for any costs incurred in
Australia except the reasonable cost of transporting your
remains from the inbound port or airport to your home or
nominated funeral service. 
7.8.2 What we do not cover 
To the extent permitted by law, we will not pay: 
a)   for any expenses for medical evacuation, funeral
expenses incurred overseas or bringing your remains
back to your home unless it has been approved by
Allianz Global Assistance, such approval will not be
unreasonably withheld or delayed. Please contact
Allianz Global Assistance to confirm approval for
these expenses; 
b)   for costs and expenses that you would not have
incurred had you followed reasonable medical
advice. This includes any subsequent medical,
hospital or evacuation expenses incurred when you
did not follow the reasonable medical advice; 
c)   if your claim arises from bobsleighing, snow rafting,
parapenting, ski acrobatics, ski or snowboard
jumping, aerial skiing, stunting, freestyle, skijoring
or any form of power-assisted skiing or use of
mechanised snow-mobiles except as provided by the
recognised piste authorities for transport to and from
areas designed for recreational skiing; or 
d)   for any claims arising outside the period 15th
December to 31st March in Northern Hemisphere
resorts, and 15th June to 30th September in Southern
Hemisphere resorts. This exclusion will not apply
to those resorts which are open outside these time
periods and have sufficient snow for normal skiing
activities.
Please ensure you also read all the sections of the
Comprehensive International Travel Insurance
- in particular, consider the   General Exclusions   on
pages 113 to 120 and   Our Definitions   on pages 135
to 144 in Part D. 
105 PART C – COMPREHENSIVE

7.9 OWN SNOW SPORT EQUIPMENT 
You only have this cover if you purchased the optional 
Snow Pack . See the   Optional Covers   section for details. 
7.9.1 What we cover
a)   Cover is provided for your snow sport equipment if,
during the period of cover for your journey, it is stolen,
accidentally damaged or is permanently lost unless:
•   it is left in any vehicle (other than as stated in
sub-section   7.9.1 b) ); or
•   it is in use, 
in which case no cover will be provided under
this benefit. 
The amount we will pay, will be the lesser of:
•   the original purchase price;
•   the replacement cost; or
•   the repair cost 
up to the benefit shown in the   Snow Pack Table
of Benefits . 
b)   Any snow sport equipment left in or on a vehicle will
only be covered during daylight hours, and only if the
items were:
•   placed in a concealed storage compartment of a
locked vehicle or, where this is not possible;
•   securely locked to the luggage/ski racks fitted to
the roof of a locked vehicle.
In the event of theft, forced entry must have been made
to the vehicle or, where the items were securely locked to
the luggage/ski racks, leaving evidence of damage to the
locking mechanism.
The most we will pay in the event of a payable claim
under   7.9.1 b)   is $200 for each item, and $1,000 in total
for all stolen items.
We expect you to report the loss or theft to the police
or an office of the bus line, airline, shipping line or rail
authority you were travelling on when the theft occurred.
You should make reasonable efforts to obtain
confirmation from whoever you made the report to. 
106 PART C – COMPREHENSIVE

This may be the easiest way to provide evidence of the
loss or theft.
We may be entitled to reduce your claim if you
unreasonably delay or fail to make a report. A reduction
in your claim may occur to the extent of the amount of
prejudice we have suffered caused by your delay. 
7.9.2 What we do not cover 
To the extent permitted by law, we will not pay a claim in
relation to your snow sport equipment if: 
a)   the loss, theft or damage is to, or of, snow sport
equipment left behind in any aircraft, ship, train, tram,
taxi or bus, or in any hotel or motel room after you
have checked out; 
b)   the snow sport equipment was being sent
unaccompanied by you or under a freight contract; 
c)   the loss or damage arises from any process of
cleaning, repair or alteration; 
d)   the loss or damage arises from ordinary wear
and tear, deterioration, atmospheric or weather
conditions, insects, rodents or vermin; 
e)   you did not take all reasonable precautions to
safeguard the snow sport equipment. For example,
you will not be taking reasonable precautions if you
leave your belongings in a publicly space:
•   at such a distance from you that you are unable to
prevent them being taken; or
•   with a person who is not named on your
Certificate of Insurance, or who is not a travelling
companion or a relative (or these persons fail to
take all reasonable precautions to safeguard your
luggage). 
This includes forgetting or misplacing any items,
leaving them behind or walking away from them; 
f)   you are entitled to be reimbursed by the bus line,
airline, shipping line or rail authority you were
travelling on when the loss, theft or damage
occurred. However, if you are not reimbursed the
full amount of your claim, we will pay the difference
between the amount of your loss and what you were
reimbursed, up to the limit of your cover. 
107 PART C – COMPREHENSIVE

Please ensure you also read all the sections of the
Comprehensive International Travel Insurance
- in particular, consider the   General Exclusions   on
pages 113 to 120 and   Our Definitions   on pages 135
to 144 in Part D. 
7.10 SNOW SPORT EQUIPMENT HIRE 
You only have this cover if you purchased the optional 
Snow Pack . See the   Optional Covers   section for details. 
7.10.1 What we cover 
If during the period of cover, you need to hire snow sport
equipment because:
•   your snow sport equipment was misdirected or delayed
for more than 24 consecutive hours; or
•   your snow sport equipment is stolen, accidentally
damaged or permanently lost, provided you have a
payable claim under Benefit   7.9 Own Snow Sport
Equipment   for that theft, accidental damage or loss;
we will pay for the reasonable costs of hiring alternative
snow sport equipment.
In addition, if you have paid for snow sport equipment
hire cover from the hire company or agency and they
charge you for the loss of, or damage to the snow
sport equipment hired by you, we will reimburse you
for that charge.
Please ensure you also read all the sections of the
Comprehensive International Travel Insurance
- in particular, consider the   General Exclusions   on
pages 113 to 120 and   Our Definitions   on pages 135
to 144 in Part D. 
7.11 SNOW SPORT PACK 
You only have this cover if you purchased the optional 
Snow Pack . See the   Optional Covers   section for details. 
7.11.1 What we cover 
If you are unable to utilise the full duration of your
pre-booked and pre-paid ski passes, snow sport
equipment hire, tuition fees, or lift passes due to: 
108 PART C – COMPREHENSIVE

•   an injury; or
•   sickness (including if you are positively diagnosed
as suffering a sickness recognised as an epidemic or
pandemic such as COVID-19),
that you suffer, or
•   due to a pre-existing medical condition that we have
agreed to cover requiring treatment,
during the period of cover for your journey, we will
reimburse you the non-refundable portion of your
unused costs. 
7.11.2 What we do not cover 
To the extent permitted by law, we will not pay: 
a)   if your claim arises from bobsleighing, snow rafting,
parapenting, ski acrobatics, ski or snowboard
jumping, aerial skiing, stunting, freestyle, skijoring
or any form of power-assisted skiing or use of
mechanised snow-mobiles except as provided by the
recognised piste authorities for transport to and from
areas designed for recreational skiing; or 
b)   for any claims arising outside the period 15th
December to 31st March in Northern Hemisphere
resorts and 15th June to 30th September in Southern
Hemisphere resorts. This exclusion will not apply
to those resorts which are open outside these time
periods and have sufficient snow for normal skiing
activities.
Please ensure you also read all the sections of the
Comprehensive International Travel Insurance
- in particular, consider the   General Exclusions   on
pages 113 to 120 and   Our Definitions   on pages 135
to 144 in Part D. 
7.12 PISTE CLOSURE 
You only have this cover if you purchased the optional 
Snow Pack . See the   Optional Covers   section for details. 
7.12.1 What we cover 
If, during the period of cover for your journey, you
are unable to participate in your planned snow sport
activities because all lift systems in your pre-booked 
109 PART C – COMPREHENSIVE

holiday resort were closed for more than 24 consecutive
hours due to insufficient snow, bad weather or a power
failure during the period of your booking, we will
reimburse you, up to $100 for a Cardholder or $100 per
person (up to a maximum of $200) for a Cardholder and
Spouse for each additional 24 consecutive hour period
you are unable to participate in your planned activities,
for the expenses you incur for either:
•   transport to the nearest resort; or
•   additional ski passes. 
7.12.2 What we do not cover 
To the extent permitted by law, we will not pay: 
a)   for any claims relating to resorts that do not have
skiing facilities greater than 1,000 metres above sea
level; or 
b)   for any claims arising outside the period 15th
December to 31st March in Northern Hemisphere
resorts and 15th June to 30th September in Southern
Hemisphere resorts. This exclusion will not apply
to those resorts which are open outside these time
periods and have sufficient snow for normal skiing
activities.
Please ensure you also read all the sections of the
Comprehensive International Travel Insurance
- in particular, consider the   General Exclusions   on
pages 113 to 120 and   Our Definitions   on pages 135
to 144 in Part D. 
7.13 BAD WEATHER & AVALANCHES 
You only have this cover if you purchased the optional 
Snow Pack . See the   Optional Covers   section for details. 
7.13.1 What we cover 
If, during the period of cover for your journey, your
pre-booked outbound or return travel is delayed for
more than 12 consecutive hours from your scheduled
departure time due to bad weather or an avalanche, we
will reimburse you for the reasonable additional travel
and accommodation expenses you incur until the reason
for the delay has ended and you are able to continue
with your travel. 
110 PART C – COMPREHENSIVE

You should make reasonable efforts to obtain a
statement from the appropriate authority confirming the
reason for the delay was related to either bad weather or
an avalanche, and how long the delay was for. This may
be the easiest way to provide evidence of your delay. 
7.13.2 What we do not cover 
To the extent permitted by law, we will not pay: 
a)   for any claims relating to resorts that do not have
skiing facilities greater than 1,000 metres above sea
level; or 
b)   for any claims arising outside the period 15th
December to 31st March in Northern Hemisphere
resorts and 15th June to 30th September in Southern
Hemisphere resorts. This exclusion will not apply
to those resorts which are open outside these time
periods and have sufficient snow for normal skiing
activities.
Please ensure you also read all the sections of the
Comprehensive International Travel Insurance
- in particular, consider the   General Exclusions   on
pages 113 to 120 and   Our Definitions   on pages 135
to 144 in Part D. 
INCREASED ITEM LIMITS COVER 
This product provides cover for your luggage and
personal effects and valuables under   Benefit 4.1
Luggage, Personal Effects & Valuables . The standard
item limits which apply in the event of a claim are as
follows (please refer to sub-section   4.1.1a)   on pages 82
and 83 for further details):
•   $3,000 for personal computers, tablets, cameras or
video cameras;
•   $1,000 for mobile phones (including any items with
phone capabilities); or
•   $750 for all other items (including jewellery and
watches).
You can increase the standard item limits that apply
under   Benefit 4.1 Luggage, Personal Effects &
Valuables   for a variety of items by purchasing Increased
Item Limits Cover and selecting the item type(s) and new
item limits you require from the choices available.   111 PART C – COMPREHENSIVE

The total limit which can be selected for all item types
combined is $7,000 for a Cardholder or $14,000 for a
Cardholder & Spouse.
The details of the option you have purchased will be
shown on your Certificate of Insurance.
Please note in the event of a claim:
•   depreciation and the item limits set out in sub-section 
4.1.1 a)   will not apply to the item types for which you
have purchased Increased Item Limits Cover, as shown
on your Certificate of Insurance.
•   no cover will apply for any valuables left in a vehicle
at any time, or which have been checked in to be
transported in the cargo hold of any aircraft, ship, train,
tram or bus.
•   the most we will pay for luggage and personal effects
left in a concealed storage compartment of a locked
vehicle during daylight hours is $200 per item, up to a
total amount of $2,000.
•   the maximum we will pay for all claims combined under 
Benefit 4.1 Luggage, Personal Effects & Valuables   is
the benefit limit shown in the   Table of Benefits , even if
you have purchased Increased Item Limits Cover.
•   you will need to provide proof of your ownership of,
and the value of, any item for which you make a claim.
Examples of proof include receipts and/ or valuations. 
VARYING THE BASE EXCESS 
You may vary the base excess by choosing to pay an
additional premium to decrease the base excess
The base excess you have selected will be shown on your
Certificate of Insurance. 
For information purposes only and not forming part
of this Comprehensive International Travel Insurance,
if you vary the base excess for the Comprehensive
International Travel Insurance this will apply to
claims made for the benefits in the Complimentary
International Medical Travel Insurance. 
112 PART C – COMPREHENSIVE

General Exclusions to Part C 
In addition to any exclusions listed under each
benefit in the   Policy Benefits and   the   Optional
Covers - Cruise Pack   and   Snow Pack Policy Benefits ,
here is a list of things that, to the extent permitted
by law, we won’t cover under any benefit of the
Comprehensive International Travel Insurance unless
your Comprehensive International Travel Insurance
specifically allows it, as well as a list of things that we
will never cover.
Please ensure you read these general exclusions,
together with all the sections of this Comprehensive
International Travel Insurance, so that you are
aware of the limitations and extent of the cover
the Comprehensive International Travel Insurance
provides. In particular, please consider 
Our Definitions   on pages 135 to 144 in Part D. 
WHAT WE DON’T COVER UNLESS YOUR
COMPREHENSIVE INTERNATIONAL TRAVEL
INSURANCE SPECIFICALLY ALLOWS IT
1. Activities 
Your claim arises from, or is in any way connected with
you participating in:
•   any activity not listed in the   Activities included in this
Product   section on pages 65 to 67 unless you had
purchased:
•   the optional   Adventure Pack   and the activity is
listed as covered under that optional pack; and/or
•   the optional   Snow Pack   and the activity is a snow
sport activity covered under that optional pack; or
•   cruising unless you had purchased the optional   Cruise
Pack   to include cover under your Comprehensive
International Travel Insurance for your participation in
cruising; or
•   any race, speed or time trial, or endurance event other
than amateur racing on foot in races for distances up
to and including the full marathon (42.2 kilometres or
26.2 miles) and amateur riding in a triathlon in races
for distances up to and including a 1.5 kilometre swim,
40 kilometre bicycle ride and 10 kilometre run; or 
113 PART C – COMPREHENSIVE

•   flying other than when you are travelling as a
passenger in:
•   a fully licensed aircraft operated by an airline or
charter company; or
•   a regulated or licensed hot air balloon. 
2. Pre-existing Medical Conditions 
Your claim arises from a pre-existing medical condition of
you, or your travel companion, or a relative unless:
•   the pre-existing medical condition is a pregnancy that
you did not need to disclose to us as advised under the
heading   Travel During Pregnancy   in the   Pre-existing
Medical Conditions   section on page 64; or
•   you had applied to include cover under your
Comprehensive International Travel Insurance for
your pre-existing medical condition and Allianz Global
Assistance had agreed in writing to include cover as
shown on your Certificate of Insurance; or
•   your travel companion or relative is an insured person
and Allianz Global Assistance had agreed in writing to
include cover under the Comprehensive International
Travel Insurance for their pre-existing medical
condition as shown on your Certificate of Insurance; or
•   it meets the requirements under sub-section   2.1.1 c) 
and sub-section   3.1.1 e)   on pages 72 and 76. 
3. Pregnancy 
Your claim arises directly or indirectly out of pregnancy or
pregnancy complications except where: 
a)   you did not need to disclose your pregnancy to us as
advised under the heading   Travel During Pregnancy 
in the   Pre-Existing Medical Conditions   section; or 
b)   Allianz Global Assistance had agreed in writing
to include cover under your Comprehensive
International Travel Insurance as shown on your
Certificate of Insurance; or 
c)   it is as a result of an accident occurring prior to the
24th week of your pregnancy which:
•   causes you to give birth prematurely; or
•   requires you to be admitted to hospital beyond the
24th week of your pregnancy, during which time
your child is born. 
114 PART C – COMPREHENSIVE

Important:   Even if Allianz Global Assistance
has included cover under your Comprehensive
International Travel Insurance for your pregnancy,
other than as set out in point c) above, this policy will
never provide any cover for:
•   a pregnancy once it is 24 weeks or more gestation;
•   any expenses for routine or regular antenatal care;
•   childbirth at any stage of your pregnancy; or
•   care of, or relating to the health of, a newborn child 
4. Private medical treatment 
You elect to receive private medical treatment
where public funded services or treatment is readily
available, including medical or hospital treatment
under a Reciprocal Health Care Agreement between
the Government of Australia and the government of
any other country, unless Allianz Global Assistance has
agreed to you receiving that private medical treatment.
Please contact Allianz Global Assistance to confirm
approval for these costs. 
5. Vehicles 
Your claim arises directly or indirectly from, or is in any
way connected with you:
•   riding a quad bike, or riding or travelling as a pillion
passenger on a motorcycle, moped or motorised
scooter, unless you had purchased the optional 
Adventure Pack ; or
•   driving or riding a vehicle as the driver, unless you hold
the appropriate class of licence (excluding learners
licences) in Australia for that vehicle, or a licence valid
for the country you are travelling in if your Australian
licence is not recognised in that country.
This exclusion does not apply to you travelling as a
passenger in a taxi or other transport vehicle. 
115 PART C – COMPREHENSIVE

WHAT WE WILL NEVER COVER 
There is no cover under any benefit of this Comprehensive
International Travel Insurance if: 
6. Acting intentionally or recklessly 
You do not do everything you reasonably can to avoid or
reduce any loss as much as possible or you intentionally
or recklessly act in a way that:
•   reasonably poses a risk to your safety or the safety of
your luggage and personal effects, valuables or other
belongings; or
•   increases the chance of a claim being made under the
policy, unless you do so in an attempt to protect the
safety of a person or to protect property. 
7. Addiction 
Your claim arises from:
•   you or any other person being admitted to hospital
or confined to a clinic, where you or that other person
(as the case may be) is being treated for addiction to
drugs, substances or alcohol, or is using the hospital
or clinic as a nursing, convalescent or rehabilitation
place; or
•   a therapeutic or illicit drug, substance or alcohol
addiction suffered by you or any other person. 
8. Aware of circumstances 
At the time of purchasing this Comprehensive
International Travel Insurance, you were aware, or a
reasonable person in your circumstances would have
been aware, of something that would give rise to you
making a claim under the Comprehensive International
Travel Insurance. 
9. Diving alone 
An incident or event occurs while you are diving alone. 
10. Elective surgery 
Your claim arises from, is related to or associated with
elective surgery, and/or treatment received by you or
your travel companion during your journey. 
116 PART C – COMPREHENSIVE

11. Epidemic/ pandemic 
Your claim arises from, is related to an epidemic or
pandemic unless your claim relates to you or your
travel companion contracting an epidemic or pandemic
sickness and cover is expressly included in the following
sections: 
1.1 Overseas Emergency Assistance
(including Medical Evacuation & Repatriation)
1.2 Overseas Medical & Hospital Expenses
(including Dental)
1.3 Funeral Expenses
1.6 Hospital Cash Allowance
2.1 Cancellation
3.1 Additional Expenses
7.1 Medical Cover while Cruising
7.2 Evacuation Cover – Ship to Shore
7.3 Cabin Confinement
7.4 Pre-Paid Shore Excursion Cancellation
7.8 Overseas Emergency Snow Sport Assistance
7.11 Snow Sport Pack
12. Errors or omissions 
Your claim arises from errors or omissions in any booking
arrangements or failure to obtain any relevant visa,
passport or travel documents. 
13. Government confiscation 
Your claim arises from a government authority
confiscating, detaining or destroying anything. 
14. Health insurance 
Your claim arises from, or associated with any loss,
damage, liability, event, occurrence, injury or sickness
where providing you with such cover would result in us
contravening the Health Insurance Act 1973 (Cth), the
Private Health Insurance Act 2007 (Cth) or the National
Health Act 1953 (Cth) or where Allianz does not have the
necessary licenses or authority to provide such cover. 
117 PART C – COMPREHENSIVE

15. Ignoring safety warnings 
Your claim arises directly or indirectly from, or is in
any way connected with, you not observing all safety
warnings and advice about adverse weather and terrain
conditions. 
16. Illegal acts 
Your claim arises because you breach any government
prohibition or regulation, including visa requirements or
intentionally act illegally. 
17. Loss of enjoyment 
Your claim is for loss of enjoyment of any kind. 
18. Medical complications 
Your claim arises, or is a consequence of complications
from, medical, surgical or dental procedures or
treatments received by you or your travel companion
during your journey that are not for an injury, or sickness,
or pre-existing medical condition that we have agreed in
writing to cover, that would be otherwise be covered by
this Comprehensive International Travel Insurance. 
19. Medication already in use 
Your claim is for the cost of medication you are using at
the time the journey began or the cost for maintaining a
course of treatment you were on prior to the start of the
journey. 
20. Nuclear materials, biological or chemical
weapons 
Your claim arises from:
•   a nuclear reaction or contamination from nuclear
weapons or radioactivity; or
•   biological and/or chemical materials, substances,
compounds or the like including when used directly
or indirectly for the purpose of harming or to destroy
human life and/or create public fear. 
21. Professional sport 
Your claim arises from you or your travel companion
participating in professional sport of any kind (including
professional racing on foot). 
118 PART C – COMPREHENSIVE

22. Protective gear 
Your claim arises directly or indirectly from, or is in any
way connected with, you not wearing the appropriate
protective clothing and head protection for the sport or
activity you are participating in. 
23. Suicide 
Your claim arises from your intentional self harm or your
suicide or attempted suicide. 
24. Travel against medical advice 
Your claim is in respect of travel booked or undertaken by
you against the advice of any medical adviser. 
25. Travel alerts and other warnings 
Your claim arises because you did not follow an advice
or warning that a reasonable person would have been
aware of:
•   by the Australian government (when a ‘Do not travel’
alert is in place), which can be found on
www.smartraveller.gov.au; or
•   which was published in a reliable mass media source. 
26. Under the influence 
Your claim arises from, or is caused, or is contributed to,
by you being affected by any intoxicating liquor or drug
to the extent that your physical, or mental functions, or
your judgement are impaired, except a drug prescribed
to you by a medical adviser, and taken in accordance
with their instructions. 
27. Violation of sanctions, laws or regulations 
Providing cover or being liable to pay any claim or
provide any benefit (including a refund on premium)
under this Comprehensive International Travel Insurance
to the extent that the provision of such cover, payment of
such claim or provision of such benefit would constitute
a breach of any trade or economic sanction, embargo,
prohibition or restriction imposed by any of the following:
United Nations, United States of America, Australia,
European Union, United Kingdom, or New Zealand,
or any other applicable national trade or economic
sanctions, laws or regulations. This clause shall apply
where such geographical location, provision of goods,
services or other reasons shall contravene such sanction,
embargo, prohibition or restriction. 
119 PART C – COMPREHENSIVE

28. War 
Your claim arises from any act of war, whether war
is declared or not, or from any rebellion, revolution,
insurrection or taking of power by the military. 
29. Workers compensation 
Your claim is for a loss which is recoverable by
compensation from any transport provider, or under any
workers compensation law, government sponsored fund,
plan, or medical benefit scheme, or any other similar type
legislation required to be effected by or under a law. 
120 PART C – COMPREHENSIVE

PART D
Important things
you need to know 
121

Part D applies as referenced to either or both of the
Complimentary International Medical Travel Insurance
and the Comprehensive International Travel Insurance. 
Limitation of cover 
Regardless of anything contained in the Complimentary
International Medical Travel Insurance or Comprehensive
International Travel Insurance to the contrary, we shall
not be liable to provide any cover or benefit or pay
any claim where the provision of cover or benefit or
payment of claim would constitute a breach of any
trade or economic sanction, embargo, prohibition or
restriction imposed by any of the following: United
Nations, United States of America, Australia, European
Union, United Kingdom, or New Zealand, or any other
applicable national trade or economic sanctions, laws
or regulations. This applies where such geographical
location, provision of goods, services or other reasons
shall contravene such sanction, embargo, prohibition
or restriction. 
Jurisdiction and choice of law 
Your Complimentary International Medical Travel
Insurance or Comprehensive International Travel
Insurance are governed by and construed in accordance
with the law of Queensland, Australia and you agree
to submit to the exclusive jurisdiction of the courts of
Queensland. You agree that it is your intention that this
Jurisdiction and Choice of Law clause applies. 
General Insurance Code of Practice 
Allianz and Allianz Global Assistance proudly support the
General Insurance Code of Practice.
The General Insurance Code of Practice was developed
by the Insurance Council of Australia to further raise
standards of practice and service across the insurance
industry.
The Code Governance Committee (CGC) is an
independent body that monitors and enforces insurers’
compliance with the Code. 
122 PART D – IMPORTANT THINGS

You can obtain more information on the Code of Practice
and how it assists you by contacting us. Contact details
are provided on the inside front cover of this document.
For more information on the Code Governance
Committee (CGC) go to www.insurancecode.org.au. 
Financial Claims Scheme 
In the unlikely event Allianz were to become insolvent
and could not meet its obligations under your
Complimentary International Medical Travel Insurance or
Comprehensive International Travel Insurance, a person
entitled to claim may be entitled to payment under the
Financial Claims Scheme. Access to the Scheme is subject
to eligibility criteria.
More information can be obtained from the APRA
website at www.apra.gov.au and the APRA hotline on
1300 558 849. 
Privacy Notice
WE COLLECT YOUR PERSONAL INFORMATION 
Your privacy is important to us. To offer, quote, and
provide you with this Complimentary International
Medical Travel Insurance or Comprehensive International
Travel Insurance and our services, we, namely AWP
Australia Pty Ltd ABN 52 097 227 177 AFSL 245631
trading as ‘Allianz Global Assistance’ as agent for the
insurer, Allianz Australia Insurance Limited ABN 15 000
122 850, AFSL 234708, collect, store, use, and disclose
your personal information including sensitive information.
We usually collect your personal information directly
from you but sometimes from others depending on the
circumstances.
For example, when you make a claim for cover, we
may collect your personal information from you, the
Group Policy holder (to check you have met eligibility
requirements), our business partners and agents, or from
your family members or travelling companions, as well as
from third parties that provide services including doctors,
hospitals, airlines, travel and accommodation providers,
your agents and representatives, our agents, and other
service providers. 
123 PART D – IMPORTANT THINGS

We are responsible for ensuring your personal
information is used and protected in accordance with
applicable laws including the Privacy Act 1988. Personal
information we collect includes, for example, your name,
address, date of birth, email address, and sometimes
your medical information, bank account details (to pay
your claim or for refunds), as well as other information
we collect through devices like ‘cookies’ when you visit
our website such as your IP address. We collect your
personal information to enable us to properly assess and
manage your insurance claim, and to provide the services
we have agreed to provide under the Complimentary
International Medical Travel Insurance or Comprehensive
International Travel Insurance. 
USES AND PURPOSES OF COLLECTION 
We use your personal information to offer, quote, and
provide our travel insurance products and services to you
(including renewals). Further, we use it to manage your
and our rights and obligations in connection with any
such products, including for claims handling. We may
also use it for product development, fraud investigations,
marketing, customer data analytics, research, IT systems
maintenance and development, recovery against third
parties, to liaise where necessary with Government
Departments, regulators, and insurance reference bodies
and for other purposes with your consent or where
permitted by law.
We do not use sensitive information for marketing
purposes nor do we provide sensitive information to any
third parties for marketing. 
DISCLOSURE TO THIRD PARTIES 
Your personal information may be disclosed to third
parties who assist us to carry out the activities in the
paragraph above, such as to claims management
providers, travel agents and intermediaries, insurers,
investigators, cost containment providers, medical
and health service providers, overseas data storage
(including ‘cloud’ storage) and data handling providers,
legal and other professional advisers, your agents and
broker, your travel group leader if you travel in a group,
your employer if you have a corporate travel policy,
family members or travelling companions listed on your
travel insurance policy, insurance reference bodies in the
case of suspicious claims or credit card transactions, 
124 PART D – IMPORTANT THINGS

the Bank if you are the beneficiary of the Bank’s card
insurances, and our related and group companies
including Allianz. Some of these persons and entities to
whom we disclose your personal information may be
located in other countries including in Europe, the UK
and Ireland, Asia, Canada, the USA, and other countries
where Allianz has a presence. We also, where necessary,
disclose your personal information to Government
Departments and to regulatory bodies. 
PROMOTIONAL MATERIAL 
We may contact you by telephone, normal mail, email,
electronic messages such as SMS, and via other means
with promotional material and offers of products or
services from us, our related companies, as well as offers
from our business partners that we consider may be
relevant and of interest to you. Where we contact you for
promotional purposes, you can withdraw your consent at
any time by calling us on 1800 023 767 or by contacting
us – see below. 
PROVIDING US WITH PERSONAL INFORMATION
OF OTHERS 
When, in connection with one of our products, you
provide personal information to us about another
person or you receive personal information from us
about another person (such as when you are the primary
policyholder for your family or a group obtaining travel
insurance from us), we rely on you to have first obtained
the other person’s consent for you to provide and receive
their personal information, and we rely upon you to make
them aware of the matters set out in this Privacy Notice. If
you don’t have the person’s consent, you must inform us.
Note, if the person is listed as an insured person on the
Complimentary International Medical Travel Insurance
or Comprehensive International Travel Insurance and
they contact us for information about the Complimentary
International Medical Travel Insurance or Comprehensive
International Travel Insurance, we will provide it to them. 
YOUR RIGHT TO ACCESS 
You may also seek access to your personal data and ask
us to correct and update it. You may not access or correct
personal information of others unless you have been
authorised by their express consent, or unless they are
your dependants under 16 years of age. 
125 PART D – IMPORTANT THINGS

If you have a request for access or a complaint
concerning our handling of your personal information,
please contact: Privacy Officer, Allianz Partners,
PO Box 162, Toowong, QLD 4066, or email
DataPrivacyAU@allianzassistance.com.au.
You can also contact the Privacy Commissioner at the
Office of The Australian Information Commissioner, if you
have a complaint.
For more information about our Allianz Partners Privacy
Policy and handling of personal information, including
further details about access, correction, and complaints,
please visit our website at allianz-assistance.com.au and
click on the Privacy & Security link in the footer.
If you do not agree with the matters set out in our privacy
policy or will not provide us with the personal information
we request, we may not be able to provide you with
our products or services including the assessment and
payment of any claims. In cases where we cannot comply
with your request concerning your personal information,
we will give you reasons why. 
Claims 
Please read through the terms, conditions, exclusions,
limits and applicable sub-limits of this Complimentary
International Medical Travel Insurance and
Comprehensive International Travel Insurance. For
example, the benefits listed under the   Policy Benefits 
and   General Exclusions   in Part B and C and also in the 
Optional Covers - Cruise Pack   and   Snow Pack Policy
Benefits   in Part C, or on your Certificate of Insurance,
if you have purchased a Comprehensive International
Travel Insurance, to check whether you are covered.
Allianz Global Assistance administers the benefits
available under the Complimentary International
Medical Travel Insurance and Comprehensive
International Travel Insurance.
You must notify Allianz Global Assistance as soon as
you are reasonably aware of any potential claim. Please
submit full details of your claim as soon as reasonably
possible by either:
•   lodging your claim on-line 24 hours a day at
www.claimmanager.com.au; or 
126 PART D – IMPORTANT THINGS

•   emailing or posting a completed claim form to
Allianz Global Assistance.
You can obtain a claim form by emailing Allianz Global
Assistance at travelclaims@allianz-assistance.com.au or
by calling the contact number on the inside front cover of
this document.
In order to be sure that you are covered under
Complimentary International Medical Travel Insurance
or Comprehensive International Travel Insurance you
should, where practical, always contact Allianz Global
Assistance for approval before you incur expenses you
wish to claim in order to check you are covered and that
the amount is reasonable. If you do not, we may reduce
your claim to the extent that we are prejudiced.
Please note that if you have purchased a Comprehensive
International Travel Insurance, you will also be covered
under the Complimentary International Medical Travel
Insurance for the dates listed on your Certificate of
Insurance regardless of whether the Complimentary
International Medical Travel Insurance has been
otherwise varied or terminated in accordance with
Part B.
You must take all reasonable steps to co-operate at all
times in relation to providing supporting evidence and
such other information that may reasonably be required.
You must take all reasonable steps to give any
information Allianz Global Assistance reasonably asks
for to support your claim at your expense. Examples of
information to support your claim includes police reports,
valuations, medical reports, original receipts or proof
of purchase and ownership. If required Allianz Global
Assistance may reasonably ask you to provide them with
translations into English of any such documents to enable
their consideration of your claim. 
a)   If you think that you may have to cancel or shorten
your journey you must tell us as soon as possible.
Contact Allianz Global Assistance using the contact
number shown on the inside front cover of this
document , or the 24 hour emergency assistance
number if you are still overseas. 
b)   For medical, hospital or dental claims, contact Allianz
Global Assistance as soon as reasonably practicable. 
127 PART D – IMPORTANT THINGS

c)   For loss or theft of your luggage and personal
effects or valuables, report it as soon as reasonably
practicable to the police and obtain a written notice
of your report. This may be the easiest way to provide
evidence of the loss or theft. If you unreasonably
delay or fail to make a report and we are prejudiced
by your delay or failure, we may be entitled to reduce
your claim by the amount of prejudice we have
suffered. 
d)   For damage or misplacement of your luggage
and personal effects, caused by the airline or any
other operator or accommodation provider, report
the damage or misplacement to an appropriate
official as soon as reasonably possible and take all
reasonable steps to obtain a written report, including
any offer of settlement that they may make.
Allianz Global Assistance will consider your claim within
10 business days of receiving a completed claim form and
all reasonably necessary documentation. If they need
additional information, a written notification will be sent
to you within 10 business days.
If there is a delay in claim notification, or you do not
provide sufficient detail for Allianz Global Assistance to
consider your claim, we can reduce any claim payable by
the amount of prejudice we have suffered because of
the delay. 
Overseas hospital admission or medical
evacuation 
If you require emergency assistance, Allianz Global
Assistance is only a telephone call away. The team will
help with medical problems, locating nearest medical
facilities, your evacuation home, locating nearest
embassies and consulates, as well as keeping you in
touch with your family and work in an emergency.
If you are admitted to hospital, or you are being treated
as an outpatient and the total cost of such treatment
is likely to exceed $2,000, you or a member of your
travelling party, should contact Allianz Global Assistance
as reasonably as possible to seek approval to incur such
cost. Otherwise, we may reduce the amount payable for
your claim to the extent we are prejudiced. Approval will
not be unreasonably withheld or delayed. 
128 PART D – IMPORTANT THINGS

Please note that we will not pay for any hospital, medical
or dental costs you incur in Australia.
This is because we are not licensed to pay these costs in
Australia. Therefore, you should treat them as you would
any other health-related costs you incur when you aren’t
travelling, such as claiming through Medicare or your
private health insurer. 
You can choose your own doctor 
Unless you are treated under a Reciprocal Health Care
Agreement you are free to choose your own medical
adviser or, if you ask them to, Allianz Global Assistance
can appoint a medical adviser to see you, subject to the
‘Private Medical Treatment’ exclusion on page 34 and
115.
You must, as soon as possible, advise Allianz Global
Assistance of your admission to hospital or your early
return to Australia based on written medical advice.
If you do not get the medical treatment you expect,
Allianz Global Assistance can assist you but neither
Allianz nor Allianz Global Assistance are liable for
anything that results from that. 
DEPRECIATION 
The following information on Depreciation relates
only to Part C Comprehensive International
Travel Insurance and does not form part of Part
B Complimentary International Medical Travel
Insurance
When taking into consideration the age of a covered
item we will deduct the following amounts from our
settlement for each item you have claimed under the
Comprehensive International Travel Insurance: 
129 PART D – IMPORTANT THINGS

•   For toiletries and medication (including skin care,
make-up, perfume, deodorant and aftershave) we will
deduct 50% of the purchase price for each year you
have owned the item up to a maximum deduction
of 80%;
•   For mobile phones, smart phones, electrical devices,
communication devices, all computers (including
laptops and tablets), photographic equipment and
electronics equipment we will deduct 20% of the
purchase price for each year you have owned the
item up to a maximum deduction of 80%;
•   For clothing, footwear, luggage and books we will
deduct 15% of the purchase price for each year you
have owned the item up to a maximum deduction
of 80%;
•   For camping, sporting and leisure equipment (but
not leisure clothing) and musical instruments we will
deduct 10% of the purchase price for each year you
have owned the item up to a maximum deduction
of 80%;
•   For jewellery we will not make any deduction;
•   For all other items we will deduct 15% of the purchase
price for each year you have owned the item up to a
maximum deduction of 80%. 
For example: 
You have a $500 digital camera that was purchased
2 years before the date it was lost. The rate of
depreciation would be 20% per year.
In settlement of your claim we would pay you $300
(i.e. we will depreciate the value of the digital
camera by 20% of the purchase price for each of the
2 years you have owned it), calculated as follows: 
Year 1   -   Purchase price of $500
less 20% ($100) =   $400 
Year 2   -   Depreciated value of $400
less 20% of the purchase price ($100) =   $300 . 
130 PART D – IMPORTANT THINGS

HOW GST MAY AFFECT YOUR CLAIM 
If you are entitled to claim an input tax credit in respect
of a cost for which a claim is made, or would be entitled
to an input tax credit if you were to incur the relevant
cost (i.e. in replacing a lost or stolen item), the amount we
would otherwise pay will be reduced by the amount of
that input tax credit. 
The following paragraph relates only to Part C
Comprehensive International Travel Insurance
and does not form part of Part B Complimentary
International Medical Travel Insurance
If you are entitled to claim an input tax credit in
respect to any premium you have paid relating to the
Comprehensive International Travel Insurance you must
inform us of the amount of that input tax credit (as a
percentage) at the time you first make a claim. If you fail
to do so, you may have a liability for GST if we pay you
an amount under your Comprehensive International
Travel Insurance. 
CLAIMS ARE PAYABLE IN AUSTRALIAN DOLLARS
TO YOU 
We will pay all claims in Australian dollars. We will pay
you unless you tell us to pay someone else. The rate of
currency exchange that will apply is the rate at the time
you incurred the expense. Payment will be made by
direct credit to a bank account nominated by you. 
YOU SHOULD NOT ADMIT FAULT OR LIABILITY
BEFORE CONSULTING US 
You should not admit that you are at fault for any
accident, incident or event causing a claim under your
Complimentary International Medical Travel Insurance
or Comprehensive International Travel Insurance, and
you must not offer or promise to pay any money, or take
any steps in relation to any legal action, without the
approval of Allianz Global Assistance. Such approval
will not be unreasonably withheld or delayed. If you do,
we may reduce or refuse your claim to the extent we are
prejudiced. 
131 PART D – IMPORTANT THINGS

FRAUD 
When making a claim you have a responsibility to assist
us and to act in an honest and truthful manner.
If any claim is fraudulent in any way or if you or anyone
acting on your behalf uses fraudulent means to make
a claim on the cover described in Complimentary
International Medical Travel Insurance or Comprehensive
International Travel Insurance, then no payment will
be made in regard to the claim. Also, the Bank will be
informed of the situation and you may no longer be
eligible for the cover described in this Complimentary
International Medical Travel Insurance or Comprehensive
International Travel Insurance.
Insurance fraud places additional costs on honest
policyholders. Fraudulent claims force insurance
premiums to rise. We encourage the community to assist
in the prevention of insurance fraud.
You can help by reporting insurance fraud by calling
Allianz Global Assistance on 1800 453 937. All
information will be treated as confidential and protected
to the full extent under law. 
RECOVERY 
If we or you have a claim against someone in relation to
the money we have to pay or we have paid under your
policy, you must take reasonable steps to help us recover
that prospective or actual outlay in legal proceedings.
If you are aware of any third party that you or we may
recover money from, you must take reasonable steps to
inform us of such third party.
When making a claim you should tell us about any other
insurance under which you are or might be able to claim.
We may, at our discretion, undertake in your name and
on your behalf, control and settle proceedings for our
own benefit in your name to recover compensation or
secure indemnity from any party in respect of anything
covered by this Complimentary International Medical
Travel Insurance or Comprehensive International Travel
Insurance. We will act reasonably having regard to your
interests, and will keep you informed if you ask us to. 
132 PART D – IMPORTANT THINGS

You are to assist and permit to be done, everything
reasonably required by us for the purpose of recovering
compensation or securing indemnity from other parties
to which we may become entitled or subrogated,
upon us paying your claim under this Complimentary
International Medical Travel Insurance or Comprehensive
International Travel Insurance regardless of whether we
have yet paid your claim and whether or not the amount
we pay you is less than full compensation for your loss.
These rights exist regardless of whether your claim is paid
under a non-indemnity or an indemnity clause of this
Complimentary International Medical Travel Insurance or
Comprehensive International Travel Insurance.
We will apply any money we recover from someone else
under a right of subrogation in the following order: 
1.   to us, our costs (administration and legal) arising from
the recovery. 
2.   to us, an amount equal to the amount that we paid to
you under your Complimentary International Medical
Travel Insurance or Comprehensive International
Travel Insurance. 
3.   to you, your uninsured loss (less your excess). 
4.   to you, your excess.
Once we pay your total loss, we will pay you the balance
of any money left over.
If we have paid your total loss and you receive a payment
from someone else for that loss or damage, you must pay
us the amount of that payment up to the amount of the
claim we paid you. 
COMPLAINTS AND DISPUTES 
If you are dissatisfied with our service in any way, please
contact us and we will attempt to resolve the matter
in accordance with our internal dispute resolution
procedures. You can contact us to make a complaint
and request a copy of our procedures using the contact
details provided below. 
133 PART D – IMPORTANT THINGS

Allianz Global Assistance 
www.allianz-assistance.com.au
1300 795 636
idrcommittee@allianz-assistance.com.au
Locked Bag 3014, Toowong DC QLD 4066.
If you are not happy with the proposed resolution of your
complaint, or we do not make a decision within the period
that we tell you we will respond, we will tell you about
your right to escalate your complaint to the Australian
Financial Complaints Authority (AFCA). AFCA provides
a free and independent dispute resolution service for
consumers who have general insurance disputes falling
within its terms. If you wish to exercise your right to refer
your complaint to external dispute resolution, you may
contact AFCA using the details provided below. 
The Australian Financial Complaints Authority 
www.afca.org.au
1800 931 678
info@afca.org.au
GPO Box 3, Melbourne VIC 3001. 
CONDUCT OF OTHERS 
Where a claim is made for a loss that is excluded as the
result of the act of any person who is insured under this
Complimentary International Medical Travel Insurance
or Comprehensive International Travel Insurance, we
may consider certain factors that may have triggered
the exclusion and we may make a discretionary decision
to assist you in a way which is fair and reasonable in the
circumstances. If we do this we may make a payment to
you or repair, reinstate or replace an item. This will apply
even though we are not legally required to pay the claim.
Factors we will consider include: 
1.   Mental illness; 
2.   An act of violence or intimidation; and/or 
3.   When cover has been varied or terminated with
malicious intent. 
134 PART D – IMPORTANT THINGS

This clause does not apply to the liability section of the
Complimentary International Medical Travel Insurance
or Comprehensive International Travel Insurance or form
part of the terms and conditions of this Complimentary
International Medical Travel Insurance or Comprehensive
International Travel Insurance and does not confer any
contractual or other right.
Any payment we may make is at our sole discretion only. 
CONFIRMATION OF TRANSACTION 
If you require further information about this insurance or
wish to confirm a transaction, including a claim, please
contact us.
Alternatively, if you wish to automatically receive the
confirmation of the transaction after it occurs e.g. at the
conclusion or settlement of the claim, please contact us. 
Our Definitions 
When the following words and phrases appear in this
Complimentary International Medical Travel Insurance
or Comprehensive International Travel Insurance, your
Letter of Eligibility, Certificate of Insurance or any other
document that forms part of your Complimentary
International Medical Travel Insurance or Comprehensive
International Travel Insurance, they have the meanings
given below. The use of the singular shall also include the
use of the plural and vice versa. 
Accident, accidental, accidentally   means any sudden
and unexpected physical event not intended by you. 
Accountholder   means a customer of the Bank, being
an individual, business entity or company, who has
entered into a card account with the Bank and in whose
name the card account was opened. The accountholder
is the individual, business entity or company that has
contractual obligations with the Bank under the card
account. 
Activate, activating   or   activation   means registering
each journey via Westpac App or Online Banking, or
by calling Allianz Global Assistance and providing your
journey details including destination dates, travellers and
ages and receiving a Letter of Eligibility or Certificate of
Insurance as confirmation of the activation. 
135 PART D – IMPORTANT THINGS

Allianz   means Allianz Australia Insurance Limited ABN
15 000 122 850, AFSL 234708. 
Allianz Global Assistance   means AWP Australia Pty Ltd
ABN 52 097 227 177, AFSL 245631. 
Appropriate supervision   means under the supervision
of a person who possesses the necessary skills,
qualifications and licensing appropriate for the
supervision of the activity being undertaken. 
Bank   means Westpac Banking Corporation ABN 33 007
457 141, AFSL and Australian credit licence 233714. 
Bicycles   means any bicycle, tricycle, tandem, trailer cycle
or push scooter that is powered by human pedalling and/
or a battery. 
Business samples   means demonstration goods or
examples of goods sold by you or your company. 
Card   means a current and valid Level 1 Card or Level
2 Card issued by the Bank. An eligible card that is
cancelled or suspended is not current and valid. 
Card account   means:
•   a current and valid card facility provided by the Bank
to which purchases made by cardholders on a card are
charged; or
•   the primary account linked to a card issued by the
Bank to which a transaction is routed by any electronic
funds transfer facility. 
Cardholder   means a person who resides in Australia
(including holders of a visa issued under the Migration
Act 1958 (Cth) which entitles the holder of the visa to
residency) to whom the Bank has issued a card (this
includes primary and additional cardholders). 
Carrier   means an aircraft, train, tram, vessel or other
scheduled transport operated under a licence for the
purpose of transporting passengers. However, it does not
mean a taxi, limousine or similar service. 
Certificate of Insurance   is the document we give you
which confirms that we have issued a Comprehensive
International Travel Insurance to you and sets out details
of your cover. 
136 PART D – IMPORTANT THINGS

Chronic   means a persistent and lasting condition. It may
have a pattern of relapse and remission. 
Complimentary International Medical Travel Insurance 
means the group policy cover set out in the PDS in Part B
of this document. 
Comprehensive International Travel Insurance   means
the retail policy cover set out in the PDS in Part C of this
document. 
Concealed storage compartment   means a boot, trunk,
glove box, enclosed centre console, or concealed cargo
area of a motor vehicle. 
Cruise   or   cruising   means leisure or holiday travel as a
passenger on-board a commercially operated sea or
ocean-going vessel which has on-board accommodation
and trained medical staff, whether or not the travel
includes stopping at ports or other locations for
sightseeing. 
Date of issue   means the date and time of issue on your
Certificate of Insurance. 
Dependant   means your child or grandchild (including
step-child, adopted child, foster child and child you care
for under a legal guardian arrangement), and who are:
•   not in full-time employment,
•   travelling with you for at least 50% of your journey; and
•   aged under 25 years at the time of issue of your Letter
of Eligibility or Certificate of Insurance.
Dependant does not include any person other than
those listed on your Letter of Eligibility or Certificate of
Insurance. 
Depreciation   means the deduction from the original
purchase price of an amount calculated to be the
reduction in value because of wear and tear and/or the
passing of time. 
Epidemic   means an infectious disease that rapidly
spreads to a large number of people in a community,
population, or region. 
Excess   means the deduction we will make from the
amount otherwise payable for each claimable incident
or event. 
137 PART D – IMPORTANT THINGS

Formal wear   means dinner suit, dress shirt, bowtie,
evening gown, cocktail dress or other items of clothing
which are required attire for formal dining/functions. This
includes wedding attire but does not include jewellery. 
Funeral expenses   means the costs charged by a
funeral director for arranging your funeral service
and by a cemetery for your burial or a crematorium
for your cremation. It does not include the cost of
memorialisation. 
Group Policy   means an insurance policy on the
terms and conditions set out in the Complimentary
International Medical Travel Insurance, issued by Allianz
Global Assistance on behalf of the Insurer Allianz, under
which the Insurer does, by operation of section 48 of the
Insurance Contracts Act, provide insurance cover benefits
for cardholders (including spouses and/or dependant/s)
as third party beneficiaries (as that term is defined in the
Insurance Contracts Act). 
Home   means the place where you normally live in
Australia. 
Hospital   means an established hospital registered under
any legislation that applies to it, that provides in-patient
medical care. It does not include any institution used
primarily as a residential care facility, a health retreat, or
a rehabilitation or external care facility for the treatment
of alcoholism, drug addiction or substance addiction. 
Injure, injured   or   injury   means bodily injury caused solely
and directly by violent, accidental, visible and external
means, which happens at a definite time and place
during your period of cover and does not result from any
illness, sickness or disease. 
Insolvency   or   insolvent   means bankruptcy, provisional
liquidation, liquidation, appointment of a receiver,
manager or administrator, entry into any official or
unofficial scheme of arrangement, statutory protection,
restructuring or composition with creditors, or the
happening of anything of a similar nature under the laws
of any jurisdiction. 
Jewellery   means a form of personal adornment, such
as brooches, rings, necklaces, earrings, and bracelets.
It does not include watches or items of clothing. 
138 PART D – IMPORTANT THINGS

Journey   means from the time you leave your home or
your place of employment or business to commence your
travel and ends when you:
•   return to your home; or
•   arrive at a hospital or residential care facility in
Australia (if you are evacuated or repatriated for
medical reasons), whichever happens first. 
Legal costs   means fees, costs and expenses (including
any applicable taxes and charges) in connection with
a legal action. It also means any costs which you are
ordered to pay by a court or arbitrator (other than any
fine or penalty, or aggravated, punitive, exemplary or
liquidated damages) or any other costs we agree to pay. 
Letter of Eligibility   is the document we give you
which confirms your activation for Complimentary
International Medical Travel Insurance and sets out
details of your cover. 
Level 1 Cards   means the following current and valid
Westpac issued credit cards:
•   Altitude Black MasterCard
•   Altitude Qantas Black MasterCard
•   Altitude Velocity Black MasterCard
•   Low Fee Platinum MasterCard
This includes a Westpac PartPay Card that is linked to a
current and valid card. 
Level 2 Cards   means the following current and valid
Westpac issued credit cards:
•   Altitude Platinum MasterCard
•   Altitude Qantas Platinum MasterCard
•   Altitude Velocity Platinum MasterCard
This includes a Westpac PartPay Card that is linked to a
current and valid card. 
Luggage and personal effects   means your suitcases,
trunks and similar containers (including their contents),
articles worn or carried by you, and sporting equipment.
It does not mean or include any:
•   bicycle;
•   business samples or items that you intend to trade; 
139 PART D – IMPORTANT THINGS

•   valuables;
•   snow sport equipment;
•   passport or travel documents;
•   cash, bank notes, currency notes, cheques or
negotiable instruments;
•   electronic data, software or intangible asset;
•   watercraft of any type (other than surfboards);
•   furniture, furnishings, household appliances;
•   hired items; or
•   any other item which may be listed as excluded on your
Certificate of Insurance. 
Medical adviser   means a doctor (including a clinical
psychologist) or dentist qualified to diagnose the
condition or disorder, holding the necessary current
certification in the country in which they are currently
practising, and who is not you or your travel companion,
or a relative or employee of you or your travel
companion. 
Medical Terms of Cover   means the document we give
you as a schedule which details the terms and conditions
relating to any Pre-existing medical condition that you
disclose to us. 
Mental illness   means any illness, condition or disorder
listed in the current edition of the Diagnostic and
Statistical Manual of Mental Disorders (as used by
clinicians and psychiatrists to diagnose psychiatric
illnesses. Consult your medical advisor for more
information). 
Natural disaster   means any event or force of nature
that has catastrophic consequences, such as avalanche,
earthquake, flood, bush fire, hurricane, tornado, cyclone,
tsunami and volcanic eruption, but not epidemics or
pandemics. 
Overseas   means outside of Australia and its territories. 
Pandemic   means an epidemic that spreads to multiple
countries, continents, or worldwide. 
PDS   means Product Disclosure Statement and any
Supplementary Product Disclosure Statement. 
140 PART D – IMPORTANT THINGS

Permanent disability   means permanent loss of all the
sight in one or both eyes, or the use of a hand at or above
the wrist or a foot at or above the ankle. 
Pregnancy-related   means arising from or directly
connected with the process and changes in a mother
resulting from a developing foetus. It covers the
mother and foetus, when either requires emergency
medical care. 
Pre-existing medical condition   means a condition of
which a reasonable person in the circumstances, should
have been aware at the time of activation and/or issue of
the Certificate of Insurance, including:
•   any dental condition; or
•   any physical condition; or
•   pregnancy; or
•   any lifelong illness; or
•   any chronic illness; or
•   any mental illness; or
•   any current or previously treated cancer, or
any condition which, in the last two (2) years:
•   was treated by surgery (including day surgery); or
•   required regular medication; or
•   required on-going treatment; or
•   was referred to a specialist medical adviser; or
•   had regular reviews or check-ups; or
•   caused admission to hospital; or
•   was treated at a hospital emergency department or
out-patient clinic. 
Proof of your ownership, proof of purchase or
value   means receipts, invoices, valuations, and other
documents directly showing ownership and value. Where
direct proof of ownership or valuation is not reasonably
available to you , and depending upon the value and
nature of the claim, it can include statutory declarations
or other information which show the insured is most likely
the owner. 
141 PART D – IMPORTANT THINGS

Professional sport   means training for, coaching or
competing in any sporting event where you are entitled
to receive, or are eligible to receive, an appearance fee,
wage, salary or prize money more than $1,000. 
Public space   means any area to which the public has
access (whether authorised or not) including but not
limited to hotel foyers and grounds, restaurants, public
toilets, beaches, airports, railway stations, bus terminals,
taxi stands and wharves. 
Quad bike   means a motorised vehicle designed to travel
on four or more wheels, having a seat straddled by the
operator and handlebars for steering control. 
Reasonable   or   reasonably   means:
•   for covered medical, hospital or dental expenses, at
the standard level of care given in the country you are
in but not exceeding that provided through the public
hospital system in Australia;
•   for covered booking and travel related expenses,
a level comparable to those you have booked for
the rest of your journey; if no similar booked travel
arrangements or for covered expenses of relatives,
a level that is appropriate and moderate in the
circumstances; not extravagant;
•   for covered funeral expenses, a level that in the
circumstances is moderate; not premium;
•   for situations where we ask you to do something
such as to assist us or to or provide documents or
information or to take reasonable care or to make
reasonable efforts - to the extent that is practically
achievable by you and within your control or ability
using ordinary efforts;
•   for reasonable medical advice, advice provided by
a doctor or other medically qualified practitioner
experienced in the medical issue in question and
engaged either on your behalf or on behalf of Allianz
Global Assistance to provide medical advice;
•   reasonable legal costs or expenses: means the usual or
normal legal costs and expenses incurred in defending
or settling a claim, including engaging a mid-tier firm
of lawyers, their reasonable disbursements, etc; not
extravagant; 
142 PART D – IMPORTANT THINGS

•   for conduct, acts or knowledge of ‘a reasonable
person’, what would be expected of an average person
in the circumstances, and achievable by the insured
through normal endeavours;
•   for any other circumstances, including conduct or acts
of a reasonable person - what is reasonable in the
circumstances, having regard to common community
standards, and fairness. 
Reciprocal Health Care Agreement   means an
agreement between the government of Australia and
the government of another country where permanent
residents of Australia are provided with subsidised
essential medical treatment. (Please visit www.
servicesaustralia.gov.au for details of Reciprocal Health
Care Agreements with Australia.) 
Redundant   or   redundancy   means loss of permanent
paid full time employment (except voluntary
redundancy), after a continuous working period of two
years with the same employer. 
Relative   means only a grandparent, parent, parent-in-
law, step parent, step parent in-law, sister, step sister,
sister-in-law, brother, step brother, brother-in-law, spouse,
partner, fiancé(e), son, son-in-law, daughter, daughter-in-
law, step child, foster child, grandchild, ward or guardian. 
Rental vehicle   means a campervan/motorhome that
does not exceed 4.5 tonnes, a sedan, coupe, hatchback,
station-wagon, SUV, four wheel drive or mini bus/
people mover, rented from a licensed rental company or
agency. Rental vehicle does not include any other vehicle
irrespective of use or weight. 
Sick   or   sickness   means a medical condition (including
a mental illness), not being an injury, the symptoms of
which first occur or manifest during your period of cover. 
Return overseas travel ticket   means an air or cruise
ticket departing from and returning to Australia. 
Snow sport activities   means amateur skiing,
snowboarding, sledding, tobogganing, or tubing
conducted on groomed terrain, marked slopes or trails
that are open, maintained and monitored within ski
resort boundaries but does not include any form of
racing, acrobatics, jumping, stunting, aerial or
freestyle activities. 
143 PART D – IMPORTANT THINGS

Snow sport equipment   means skis, poles, boots, bindings
or snowboards. Snow sport equipment does not include
any equipment other than the equipment listed. 
Sporting equipment   means equipment needed and
used to participate in a particular sport and which can be
carried about with you. 
Spouse   means the partner of the cardholder who is in a
permanent relationship with the cardholder at the time
the journey starts. 
Transaction card   means a debit card, credit card or
travel money card. 
Travel companion   means only those persons with whom
you have made arrangements before your Certificate of
Insurance was issued, to travel with you for at least 50%
of your journey. 
Upgrade   means an increase in the overall cover you
enjoy arising from your paying a premium to purchase
a Comprehensive International Travel Insurance policy
which is a retail policy, in addition to being provided
with the group policy comprising the Complimentary
International Medical Travel Insurance. 
Valuables   means jewellery, antiques, curios or works
of art, watches, semi-precious/ precious metals or
semi-precious stones/precious stones and items made
of or containing semi-precious/ precious metals or
semi-precious stones/precious stones, furs, binoculars,
telescopes, any kind of photographic, audio, video,
computer (including monitors), fax or phone equipment
(including mobile phones), tablets, MP3/4 players
and PDAs. 
Vehicle   means any car, van or bus (including but not
limited to a coupe, hatchback, station wagon, SUV/4WD
or campervan), motorcycle, moped or motorised scooter. 
We, our, us   means Allianz Australia Insurance Limited
ABN 15 000 122 850, AFSL 234708. 
You, your, yourself   and   insured person   means each
person named on the Letter of Eligibility or Certificate
of Insurance. 
Westpac   means Westpac Banking Corporation, ABN 33
007 457 141, AFSL and Australian credit licence 233714. 
144 PART D – IMPORTANT THINGS

IMP3698 
We’re here to help 
For International Travel Insurance
claims and enquiries, contact
Allianz Global Assistance on 
1800 091 710 ,
Monday to Friday: 8am to 8pm AEST
Saturday: 8am to 5pm AEST
For Card related queries,
contact Westpac on 
132 032 ,
8.00am to 8.00pm EST, 
Mon-Fri, excl. public holidays 
westpac.com.au
Ask at any branch

---

# Source: https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/partpay_card_terms_and_conditions.pdf

Effective Date: May 2023 
PartPay Card 
Terms and Conditions

3 
Contents 
1.   What is a PartPay Card?   ...................................................................................   4 
2.   How can I get a PartPay Card?   .......................................................................   4 
3.   Using your PartPay Card   ................................................................................... 5 
4.   Interest charges   .................................................................................................. 7 
5.   How does a PartPay Card affect what you need to pay each month?   ... 7 
6.   Making payments and how we apply your payments   ................................ 9 
7.   Excess credit   ..................................................................................................... 10 
8.   Cancelling your PartPay Card   ........................................................................ 10 
9.   Changes to these PartPay Terms   ................................................................... 11 
10.   Meaning of important terms   ..........................................................................   12

4 
When a PartPay Card is used to make Purchases, these Terms and 
Conditions will apply. They should be read together with the Westpac Credit 
Cards Terms and Conditions that also apply to PartPay Cards and your Card 
Account (the   Card Conditions ) and the other documents that form part of 
your contract with us. If there is any inconsistency between these PartPay 
Terms and your Card Conditions, these PartPay Terms will apply. 
1.   What is a PartPay Card? 
A PartPay Card is a digital only Card that can be issued to an existing 
eligible Card Account. Once issued, it can then be added to a digital 
wallet and used to make eligible Purchases which you may repay in 
four PartPay Payments. See Clause 5 and 6 below for further details. 
2.   How can I get a PartPay Card? 
Before you can request a PartPay Card, you will need: 
•   an active and eligible Card Account. Please see our website for 
details on which card accounts are eligible for a PartPay Card; 
•   access to Online Banking and have installed the Mobile Banking App 
on a mobile device; 
•   have registered for Westpac Protect™ SMS Code; and 
•   have provided us with a valid email address, mobile number and 
mailing address. 
Once set up you can submit your request to us via your Mobile 
Banking App. 
There may be times when we will not accept your request. 
For example, if your Card Account is overdue, you have exceeded 
your credit limit or we have blocked your account (see Clause 9.2 
of the Card Conditions for more details on when we can block your 
Card Account). 
If we accept your request we will let you know via the Mobile Banking 
App. We will also send you a welcome email to your nominated email 
address. This may take up to 2 business days after your request is 
submitted to us. We will also make your PartPay Card available in your 
Mobile Banking App. You cannot use the card until you have set up an 
Autopay arrangement with us. See Clause 3.1 below for more details 
about setting up Autopay. No physical cards will be sent to you.

5 
3.   Using your PartPay Card 
3.1   Setting up Autopay. 
In order for you to transact on your PartPay Card, you must set up and 
maintain an active automatic payment from an eligible Australian bank 
account that you hold. You do this by providing us with a direct debit 
request. Within Westpac, this is called Autopay. 
Any Autopay arrangement set up for your PartPay Card will be 
separate to any Autopay arrangement that you set up to make other 
payments (e.g. to pay the Minimum Payment Due) on your Card 
Account. By setting up Autopay you are requesting us to automatically 
pay each PartPay Payment on its PartPay Payment Date by debiting 
the PartPay Payment amount from your nominated account on that 
date. This means that any other balances on your Card Account that 
attract a higher Annual Percentage Rate may be repaid later and may, 
as a result, attract greater interest charges. 
You may cancel your Autopay arrangement at any time but if you do 
then we may suspend or cancel your PartPay Card. See Clause 8.2 for 
more information on what happens if we suspend or cancel your card. 
If you want to change your existing Autopay arrangement (for 
example change your nominated account) you can do so via your 
Mobile Banking App (or via any other method that we allow). If you 
need to set up a new Autopay arrangement, you should contact us 
using the contact details at the start of the Card Conditions. In certain 
circumstances, including where we suspect fraud or need to take 
action to prevent losses, you will not be able to set up a new Autopay 
without our authorisation. 
Further details about setting up Autopay can be found in the Autopay 
terms and conditions. Your Autopay terms and conditions can be 
found here   westpac.com.au/partpay-direct-debit 
Important   - You need to ensure that your bank account details for 
Autopay are valid and the account remains active. If not, then we 
may suspend the use of your PartPay Card until you nominate a 
new account.

6 
3.2   What you can use your card for. 
Once your PartPay Card is available in your Mobile Banking App, it can 
be used to make eligible Purchases. You may also add the card to your 
digital wallet. 
An ‘eligible Purchase’ is any Purchase on your PartPay Card that is 
equal to or greater than the Minimum Purchase Amount. If you make 
a Purchase with your PartPay Card that is less than the Minimum 
Purchase Amount then we may in our absolute discretion, acting 
reasonably, decline the transaction. If we do process the transaction 
then the Purchase will be treated the same as any other ‘eligible 
Purchase’ (and all references in these PartPay Terms to ‘eligible 
Purchase’ are to be read as including the transaction). An example 
of when we may process a Purchase that is less than the Minimum 
Purchase Amount is in cases where our systems are offline at the time 
of the transaction. 
There may be cases where you make a Purchase on your PartPay Card 
or you set up your PartPay Card as a payment method with a merchant 
and the merchant then sends through a pre-authorisation amount, 
which is a temporary hold on funds. If the pre-authorisation amount 
sent by the merchant is less than the Minimum Purchase Amount, we 
may in our discretion, acting reasonably, decline the transaction. This 
may mean that you are unable to finalise a Purchase with that merchant 
on your PartPay Card as the pre-authorisation amount was declined. 
There is no limit on the number of eligible Purchases that can be made 
on a PartPay Card but all PartPay Cards, issued on the same Card 
Account, will be subject to the credit limit of that account. When a 
PartPay Card is added to your Card Account, you must continue to 
keep your total balance within your credit limit as detailed in Clause 
3.6 of the Card Conditions. 
For more details on using your card, including where you can use 
your card and details on recurring payments, see Clause 3 of your 
Card Conditions. 
3.3   Additional Cardholders. 
If an Additional Cardholder has been added to your Card Account 
(meaning you have asked for an Additional Card to be issued to 
another person in accordance with Clause 2.3 of the Card Conditions), 
then we will also make a PartPay Card available to that Additional 
Cardholder via their Mobile Banking App. To use their PartPay Card

7 
the Additional Cardholder will need to install the Mobile Banking App 
on a mobile device. 
4.   Interest charges 
We will not charge interest on a PartPay Payment if the amount is paid 
by you on or before its PartPay Payment Date. 
If you don’t pay a PartPay Payment in full by its PartPay Payment 
Date (for example, because we are unable to debit your nominated 
account for the PartPay Payment amount), the unpaid amount will be 
deducted from your PartPay Balance and included in your Purchase 
Balance. This amount is referred to as a Missed PartPay Payment. 
This means that a Missed PartPay Payment will accrue interest at the 
Annual Percentage Rate that applies to your Purchase Balance from 
the date that we include the Missed PartPay Payment in your Purchase 
Balance. Whether interest is then payable by you on the Missed 
PartPay Payment will depend on whether your Purchase Balance 
benefits from interest free periods at that time. If it does, then it will 
also depend on whether you meet the interest free period conditions 
in Clause 5.2 of the Card Conditions at the time we include the Missed 
PartPay Payment in your Purchase Balance. For more details on how 
we calculate and charge interest see Clause 5.3 of the Card Conditions. 
5.   How does a PartPay Card affect what you need to 
pay each month? 
5.1   Paying PartPay Payments. 
If an eligible Purchase is made on a PartPay Card, the payment (which 
will include any Foreign Transaction Fees, if applicable) will be split into 
four repayment amounts (called   PartPay Payments ). If the payment 
cannot be split into four equal repayment amounts, then your last 
PartPay Payment will be adjusted accordingly. The example below 
shows how. The details of PartPay Payments will be shown in your 
Mobile Banking App. 
You can pay a PartPay Payment at any time before its PartPay 
Payment Date. For details on how to do this see Clause 6 below. If you 
have not paid a PartPay Payment by its PartPay Payment Date then 
we will debit your nominated account for the amount on that date 
using Autopay.

8 
The PartPay Payment Date for the first PartPay Payment will be on or 
about the date we process the related Purchase to your Card Account. 
The PartPay Payment Dates for the remaining PartPay Payments will 
be on or about the date falling fourteen days after the immediately 
preceding PartPay Payment Date (so every two weeks). Weekends 
and national public holidays may affect your PartPay Payment Dates. 
For details on all PartPay Payment Dates and PartPay Payment 
amounts for each eligible Purchase please see the applicable PartPay 
Payment Schedule in your Mobile Banking App. 
PartPay Payment example 
You make an eligible Purchase on your PartPay Card of $100.05 
Your first three PartPay Payments will be $25.01 each and your 
final PartPay Payment will be $25.02. 
Important   – Purchases made on any other Card issued on your Card 
Account are not eligible for split repayment. This means that if you 
were to accidentally make a Purchase on a Card (other than a PartPay 
Card) and you intended for that Purchase to be made on your PartPay 
Card, you cannot later ask us to transfer that Purchase to your PartPay 
Balance and/or request that the Purchase be repaid in four repayment 
amounts. When using a card in a digital wallet we suggest that you 
check the card first before you make a purchase. 
5.2   Other amounts you may need to pay. 
Adding a PartPay Card to your Card Account will not change your: 
•   Monthly Payment Balance   – which is the amount you must pay each 
month to retain interest free periods; 
•   Minimum Payment Due   – which is the amount you must pay each 
month to meet your minimum payment requirements; or 
•   Monthly Payment   – which, if applicable, is the amount you must pay 
each month if you want to keep your SmartPlans active. 
See your Card Conditions for further details on each of these 
payments, including how they are calculated and when they must 
be paid.

9 
6.   Making payments and how we apply your payments 
You can make additional PartPay Balance payments in two ways. 
•   You can repay a specific PartPay Payment (in full only) via your 
Mobile Banking App. If you do then your payment will be applied 
to repay the specific PartPay Payment only. Unless we agree 
otherwise, this payment can only be made from another eligible 
Westpac account. 
•   You may use B PAY ® (or any other payment method that we allow) 
to make a general PartPay Balance payment. If you do then your 
payment will be applied to repay your PartPay Payments or part 
thereof in chronological order based on their PartPay Payment 
Dates (with the earliest date being repaid first and so on). If you 
have multiple PartPay Payments with the same PartPay Payment 
Date then we will apply your payment in the order of lowest PartPay 
Payment amount to highest PartPay Payment amount. 
When you make a PartPay Balance payment you are requesting us to 
apply that payment towards repayment of your PartPay Balance in the 
ways described above. This means that any other balances on your 
Card Account that attract a higher Annual Percentage Rate may be 
repaid later and may, as a result, attract greater interest charges. 
All PartPay Balance payments must be in Australian Dollars. 
All other payments to your Card Account will be treated as a ‘general’ 
Card Account payment and will be applied in accordance with Clause 
6.3 of the Card Conditions or, if you have a SmartPlan, in accordance 
with Clause 7.6 of your Card Conditions. 
® Registered to B PAY   Pty Ltd ABN 69 079 137 518

10 
7.   Excess credit 
Unless we agree otherwise, your PartPay Card cannot have a credit 
balance. If you use B PAY ® (or any other payment method that we 
allow) to transfer an amount to your PartPay Card and the amount 
exceeds your PartPay Balance then the excess credit amount will 
be applied in accordance with Clause 6.3 of the Card Conditions 
or, if you have a SmartPlan, in accordance with Clause 7.6 of your 
Card Conditions. 
8.   Cancelling your PartPay Card 
8.1   When can you cancel your PartPay Card? 
You may cancel a PartPay Card at any time via the Mobile Banking 
App or by phone. When we receive a cancellation request we will 
cancel your PartPay Card immediately. 
8.2   When can we suspend or cancel a PartPay Card? 
In addition to our rights under Clause 9.2 of the Card Conditions we 
may cancel a PartPay Card if: 
(a)   you change card products and a PartPay Card is not available on 
your new product. 
(b)   you deregister your access to Online Banking. 
(c)   you cancel your Autopay arrangement and do not subsequently 
set-up a new Autopay arrangement. 
(d)   you opt-out of receiving any electronic communications from us 
in connection with your PartPay Card. 
We may also suspend the use of a PartPay Card if you cancel your 
Autopay arrangement or if your nominated account is no longer active 
or is otherwise invalid.

11 
8.3   When will an Additional Cardholder’s PartPay Card 
be cancelled? 
If you or an Additional Cardholder cancel an Additional Card then 
the linked PartPay Card will automatically be cancelled. In addition, 
if your PartPay Card is cancelled by either you or us then all PartPay 
Cards issued to Additional Cardholders on the same Card Account will 
automatically be cancelled. 
8.4   What you must do when a PartPay Card is cancelled. 
When a PartPay Card has been cancelled for any reason, all recurring 
payments which are linked to the PartPay Card must be cancelled. 
You will remain liable for any recurring payments which have not been 
cancelled. If you have not cancelled a recurring payment, it will be 
processed as an eligible Purchase on your Card Account and will be 
split into four PartPay Payments. See Clause 5.1 above for more details. 
However, if we cancel your card under Clause 8.2(a), any recurring 
payments that have not been cancelled will be treated as a new 
Purchase on your new Card Account. You will also remain liable for all 
eligible Purchases made before the PartPay Card is cancelled. 
If you cancel your PartPay Card or we cancel your card under Clause 
9.2 of the Card Conditions or under Clause 8.2(b), (c) or (d) above 
you must continue to repay any outstanding PartPay Payments in 
accordance with your PartPay Payment Schedule and Clause 5.1. 
You may also pay your PartPay Balance off in full when your card is 
cancelled. See Clause 6 for details on how to do this. 
If we cancel your card under Clause 8.2(a) above all outstanding 
PartPay Payments will be cancelled, and your outstanding PartPay 
Balance will be treated as a new Purchase on your new Card Account. 
9.   Changes to these PartPay Terms 
We can change these PartPay Terms in the same way as we can 
change the Card Conditions as set out under the heading ‘Variation’ of 
the Card Conditions.

12 
10.   Meaning of important terms 
Capitalised words used in these PartPay Terms have the same meaning 
as in the Card Conditions, and: 
eligible Purchase   – has the meaning given to it in Clause 3.2. 
Minimum Purchase Amount   – the minimum amount that any Purchase 
must be equal to or greater than in order for the Purchase to be split 
into four fortnightly payments as set out in these PartPay Terms, using 
a PartPay Card. See   westpac.com.au/partpay   for the current Minimum 
Purchase Amount that applies to your PartPay Card. 
PartPay Balance payment   – the repayment of any PartPay Payment in 
accordance with these PartPay Terms. 
PartPay Payment   – has the meaning given to that term in Clause 5.1. 
PartPay Payment Date   – has the meaning given to that term in 
Clause 5.1. 
PartPay Payment Schedule   – the schedule of PartPay Payments and 
PartPay Payment Dates for each eligible Purchase provided by us 
to you via your Mobile Banking App (or if unavailable via any other 
electronic delivery method available to us such as email or messages 
in Online Banking). 
Purchase   – all payments you make using your Card that are not Cash 
Advances or Balance Transfers.

13 
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14 
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© Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit 
licence 233714. WBCPPC001 0523

---

# Source: https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/westpac-altitude-terms-and-conditions.pdf

Westpac Altitude
Terms & Conditions 
Altitude Rewards Altitude Qantas and Altitude Velocity. 
Effective as at 30 September 2026

We’re here to help 
If you have any questions about the
Altitude program: 
Access your Altitude Rewards Account
via Online Banking or the Westpac App 
Call the Altitude Rewards Centre
on 1300 887 820 
For any questions relating to Frequent
Flyer Points please contact your Frequent
Flyer Program. 
For questions relating to your Card
Account please call the number on the
back of your Card. 
Accessibility support. 
If you are deaf, hard of hearing, or
have speech/communication difficulty,
you can message us within the
Westpac App or communicate with
us using the National Relay Service 
www.accesshub.gov.au/about-the-nrs . 
If English is not your preferred language,
contact us and we can arrange a language
interpreter. 
Visit   www.westpac.com.au/web-accessibility 
for further information on the accessible
features on our products, services and
accessible collateral for people with disability,
who are neurodivergent or where English is
not your preferred language.

3 
Contents 
1.   When these Terms and Conditions apply   ............................................................ 4 
2.   Selecting and switching between Altitude programs   ..................................... 4 
3.   Earning Points   ................................................................................................................ 5 
4.   Redeeming Altitude Points for a reward   .............................................................. 7 
5.   Frequent Flyer Programs   ............................................................................................ 9 
6.   Managing your Points   .................................................................................................. 9 
7.   Communicating with each other   ...........................................................................   11 
8.   Points themselves do not have monetary value   .............................................   11 
9.   Changes to these Terms and Conditions and Altitude   .................................   11 
10.   Termination   ..................................................................................................................   12 
11.   Right of assignment   ..................................................................................................   12 
12.   Meaning of Important Words   ................................................................................   13

4 
1.   When these Terms and Conditions apply 
You are treated as having agreed to be bound by these Terms and 
Conditions when you activate your Altitude Card or you or an Additional 
Cardholder first make a transaction. 
These Terms and Conditions govern: 
•   earning Points on your Altitude Card issued by Westpac; and 
•   redeeming Altitude Points for a reward. 
Frequent Flyer Points redemptions are covered by the terms and 
conditions of the applicable Frequent Flyer Program. For more details 
please contact your Frequent Flyer Program. 
The use and operation of your Card is also subject to separate Terms and 
Conditions which were provided by Westpac. You can contact Westpac 
to request an additional copy at any time. 
2.   Selecting and switching between Altitude programs 
When you apply for your Altitude Card you will choose one of the 
following rewards programs to apply to your Card Account: 
•   Altitude Rewards (to earn Altitude Points); 
•   Altitude Qantas (to earn Qantas Frequent Flyer Points); or 
•   Altitude Velocity (to earn Velocity Frequent Flyer Points). 
You may request to switch between rewards programs that are available 
to your Card Account. Once processed, you will stop earning Points in 
the previous program and Points earned prior to the switch will not be 
converted to Points in the new rewards program. 
Fees apply for each rewards program and will be disclosed in your Card 
Account’s Financial Table.

5 
3.   Earning Points 
3.1   How do you earn Points? 
You earn Points for each transaction on your Card Account unless the 
transaction is ineligible for a reason set out in Clause 3.2. Points will 
be deducted when a transaction is refunded or reversed. Points are 
awarded or deducted based on the earn rate applicable on the day 
a   transaction is   processed. 
3.2   When will you not earn Points? 
You will not earn Points on: 
•   all fees and interest charges; 
•   Cash Advances; 
•   Balance Transfers; 
•   purchases that are declined on your PartPay Card; 
•   transactions made using bill payment services such as B PA Y ® 
or   Post   Billpay; or 
•   Government Related Payments. 
You will also not earn Points (and cannot redeem Altitude Points) if: 
•   you have not paid the Minimum Payment Due in full and on time; 
•   your Card is blocked or cancelled or your Card Account is blocked 
or   closed; 
•   there is fraud on your Card Account; 
•   your Card has been reported as lost or stolen; 
•   your Card is used for business related purposes; or 
•   you do not comply with any of your important obligations under the 
Terms and Conditions of your Card Account (including making sure you 
do not exceed your authorised credit limit). 
We may adjust your Points balance by the amount of any Points awarded 
in any of the above circumstances. 
Notwithstanding the above, we may allow you to redeem some or all of 
your Points at our discretion. 
®   Registered to BPAY Pty Ltd ABN 69 079 137 518.

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3.3   Earning Frequent Flyer Points on the Altitude Qantas and 
Altitude Velocity Programs. 
When you choose the Altitude Qantas or Altitude Velocity Program, the 
Points you earn under Clauses 3.1 and 3.2 are credited to your Frequent 
Flyer Program. For this to happen you must: 
•   be a member of the associated Frequent Flyer Program; 
•   advise us of your valid Frequent Flyer membership number; and 
•   ensure the first and last name of your Frequent Flyer membership 
matches the first and last name we have on record for you. 
When we don’t have your Frequent Flyer membership number or your 
full name doesn’t match, the Points will be shown on your statement 
as ‘earned’ but not ‘transferred’. If you correct the issue within four 
(4) months of opting-in to the relevant rewards program the Points 
previously earned will be transferred. Otherwise they will be forfeited. 
Membership of a Frequent Flyer Program is subject to the terms and 
conditions of that program and fees may apply. 
3.4   How many Points will you earn? 
Points are calculated on the Australian dollar value of eligible 
transactions posted to your Card Account, rounded down to the nearest 
whole dollar. Only whole Points will be awarded and fractions of Points 
will be discarded at the time points are awarded. 
A cap may apply to the number of Points that you can earn in any 
statement period. 
To find out how many Points you earn per dollar, when you will receive 
Points, the Points cap that may apply to your Card Account and how to 
earn Bonus Points please visit   westpac.com.au/ccrewards   or call us 
on   1300 887 820.

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4.   Redeeming Altitude Points for a reward 
4.1   What are the rewards? 
Information on the rewards available and how many Altitude Points are 
needed to redeem the rewards can viewed on your Altitude Rewards 
Account which can be accessed via Online Banking or the Westpac App. 
Alternatively, you can contact the Altitude Rewards Centre using the 
number shown at the front of this document. 
All rewards are subject to availability and substitutions may be 
necessary. We will only substitute rewards where they are comparable. 
Please ensure you read the specific conditions set by the reward provider 
before redeeming. If there is any inconsistency between the specific 
conditions and these Westpac Altitude Terms and Conditions, the 
specific conditions set by the reward provider will apply. 
4.2   How do you redeem your Altitude Points for a reward? 
You can redeem your Altitude Points via your Altitude Rewards 
Account which can be accessed via Online Banking or the Westpac 
App. Alternatively, you can contact the Altitude Rewards Centre 
on   1300 887 820 . 
To redeem your Altitude Points you must: 
•   be the Account Holder (Additional Cardholders cannot 
redeem   rewards); 
•   have a balance of at least 3,000 Points unless we advise you 
otherwise; and 
•   have enough Points in your balance at the time of your claim. 
Your Altitude Points can be combined with Altitude Points earned on 
another eligible Altitude Card Account when the account is in your name. 
You cannot combine your Altitude Points with Altitude Points earned on 
an   account in someone else’s name.

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Unless we specifically advise you otherwise, you cannot cancel or 
change a reward claim once your redemption is processed, nor can you 
exchange or return a reward to obtain a re-credit of Altitude Points 
because you change your mind. 
We are not responsible if you cannot redeem your Altitude Points for a 
reward for reasons beyond our control. 
If your Card Account is closed, or you switch into a rewards program 
other than Altitude Rewards, it may affect the way that you redeem 
Altitude Points and/or the rewards available for redemption. For 
example, you may need to redeem your Altitude Points through the 
Altitude Rewards Centre rather than via Online Banking. 
4.3   Delivery of Rewards. 
Neither we nor our agents are responsible if a reward is lost, stolen 
or damaged after it has been dispatched for reasons beyond our 
reasonable   control. 
4.4   Pay with Points. 
We may allow you from time to time to use the ‘Pay with Points’ feature 
to redeem Altitude Points and receive a credit (cashback) to your account 
shortly after making an eligible purchase. This credit amount is applied 
to your credit balance and will appear on your statement as a separate 
transaction. 
We will provide information about how Pay with Points works in the 
Westpac App and/or our website, including: 
•   any restrictions on the value and types of transactions that you can 
apply Pay with Points to; 
•   your ‘Rewards Available’, which is the dollar amount of   credit/cashback 
you could redeem if you use Pay with Points on your next eligible 
purchase; and 
•   any minimum value of Rewards Available that you need before you are 
eligible to use Pay with Points.

9 
Your Rewards Available figure is based on your current balance and our 
current conversion rate, which we may change from time to time. 
Any credits you receive through using Pay with Points do not count as 
payments to your account for the purposes of your payment obligations 
under your credit contract. 
Clause 8 provides that Altitude Points are not property or money, and 
have no cash value. By displaying an amount of Rewards Available to 
you in the Westpac App, we do not intend to suggest or imply anything 
contrary to Clause 8. 
5.   Frequent Flyer Programs 
Westpac is not responsible for any Frequent Flyer Program in any way. 
If   changes are made to a Frequent Flyer Program or it is discontinued, 
we will not be responsible for the impact this may have on Points earned 
through use of your Card. 
We make no express or implied warranty or representation in connection 
with Frequent Flyer Points and are not liable for any loss you suffer 
arising in connection with them, including loss suffered due to a 
Frequent Flyer Program ceasing its operations. 
6.   Managing your Points 
6.1   How long do you have to use your Points? 
Altitude Points do not expire while your Card Account is open and you 
remain enrolled in Altitude Rewards. If your Card Account is closed, you 
must use your Points within 90 days. 
Altitude Points expire upon the death of the Account Holder. However, if 
we are notified within six months of the Account Holder’s death, we will 
convert the remaining Altitude Points to a statement credit to the Card 
Account. We will use the rate that applies to an ‘Altitude Card Fee rebate’ 
at that time, which is available by contacting the Altitude Rewards Centre.

10 
For details regarding Frequent Flyer Point expiry please contact your 
Frequent Flyer Program. 
6.2   How can you keep track of your Points balance? 
You may check your Altitude Points balance at any time on your Altitude 
Rewards Account which can be accessed via Online Banking, the 
Westpac App or by contacting the Altitude Rewards Centre. 
To check your Frequent Flyer Points balance please contact your 
Frequent Flyer Program. 
If your Altitude Card is issued by Westpac, your Card statement will 
show for the period covered: 
•   your Altitude Points balance, including Altitude Points earned and 
redeemed; and 
•   any Frequent Flyer Points earned and credited to your Frequent Flyer 
Account. 
6.3   What should you do if you have questions relating to the 
Points information? 
If you have any questions relating to the Points information displayed on 
your Card statement, please contact the Altitude Rewards Centre. If you 
believe you are missing Points you must contact us within six months of 
the date of the relevant Purchase. You may be required to send copies of 
the relevant sale receipts or the Card statement showing the Purchase. 
Before you do this, please check your Card statement and Points record 
carefully. We may adjust your total Points balance if Points have been 
incorrectly credited or debited for any reason.

11 
7.   Communicating with each other 
We will send communications in connection with the Altitude program 
to the postal or email address that we have on record. You must tell us 
if you change your postal or email address. For Altitude Cards issued 
by Westpac we may also send communications through Westpac 
Online   Banking. 
Details of how you can contact us are included at the front of this 
document. 
8.   Points themselves do not have monetary value 
Points are not property or money, cannot be transferred to another 
person and have no cash value. Altitude Points can only be used to 
redeem rewards as outlined in Clause 4. Frequent Flyer Points will only 
be transferred to your Frequent Flyer Account as outlined in Clause 3.3. 
9.   Changes to these Terms and Conditions and Altitude 
We may change these Terms and Conditions and other aspects of the 
Altitude program at any time. For example, we may: 
•   change the way you earn Points, or the amount of Points you earn on 
your Altitude Card issued by Westpac; 
•   introduce fees or vary fees we have introduced on your Altitude Card 
issued by Westpac; 
•   change the way you redeem Altitude Points, or the amount of Altitude 
Points required to redeem for a reward; 
•   change the rewards that are available through Altitude Rewards and 
the specific conditions on which those rewards are made available. 
We will provide at least 30 days prior notice of changes, unless: 
•   a change is necessitated by an immediate need to restore or maintain 
the security of our systems or of individual accounts; or

12 
•   a change is necessitated by changes in law, an official directive or the 
guidelines or requirements of a regulator; or 
•   a change is necessitated by changes to a Frequent Flyer Program; 
•   we reasonably consider the change to be non-material; or 
•   the change is beneficial to you. 
10.   Termination 
We may terminate the Altitude program at any time but will give you 
90   days notice unless it is impractical to do so. We will provide you with 
a pro-rata refund of any fees you paid for participating in the terminated 
reward program for the current membership year. 
11.   Right of assignment 
We may assign our rights under these Terms and Conditions to someone 
else. You may not assign your rights under these Terms and Conditions to 
another person.

13 
12.   Meaning of Important Words 
Term   Meaning 
Account Holder   The person who opens the Card Account with us. 
Altitude   The rewards programs operated by us on these Terms and 
Conditions comprising Altitude Rewards, Altitude Qantas 
and Altitude Velocity. 
Altitude Card 
or Card 
A Westpac branded Altitude credit card, including a 
PartPay Card that is linked to a Westpac branded Altitude 
credit card, issued by Westpac (or, in relation to Points 
redemption, any card issued by American Express prior to 
24 February 2021). 
Card Account   Means the credit card account linked to your Altitude Card. 
For the avoidance of doubt, if you have a PartPay Card 
linked to your Altitude Card, your PartPay Card will also 
form part of the Card Account.

14 
Term   Meaning 
Cash Advance   A transaction where you: 
•   withdraw cash; 
•   pay for items we consider to be equivalent to cash
(for example, foreign currency, traveller’s cheques,
money orders or stored value cards); 
•   transfer funds to another account or stored value card
(for example, a bank account, trading account or prepaid
card) except where this is done as a Balance Transfer; 
•   pay bills over the counter or through a third party (other
than BPAY); 
•   pay a Merchant that provides gambling services and
products, including merchants that sell lottery tickets; 
or anything else we treat as being a Cash Advance. 
We classify transactions using information provided to
us by the card scheme (Visa or Mastercard ® ), which tells
us about the main type of business conducted by the
Merchant. All transactions with Merchants, especially
those whose main business is listed above, may be treated
as Cash Advances. 
Mastercard ®   is a registered trademark and the circles design is a trademark of Mastercard
International Incorporated.

15 
Term   Meaning 
Frequent Flyer 
or   Frequent 
Flyer Program 
A program provided by an airline through which Frequent 
Flyer Points earned can be redeemed for flights and/or 
other rewards. 
Government 
Related 
Payment 
A Purchase from or payment to a local, state or federal 
government or government related agency, including 
to the Australian Tax Office, Australia Post or to motor 
vehicle registries. We classify transactions using 
information provided to us by the card scheme (Visa or 
Mastercard), which tells us the main type of business 
conducted by the Merchant. We will treat any transaction 
that the card scheme tells us is government related as a 
Government Related Payment. 
Point   A rewards Point that has been earned under either 
the Altitude Rewards, Altitude Qantas or Altitude 
Velocity   programs. 
Westpac   Westpac Banking Corporation ABN 33 007 457 141 
AFSL and Australian credit licence 233714. 
we   or   us   Altitude Rewards Pty Ltd (ACN 099 127 376), a wholly 
owned subsidiary of Westpac Banking Corporation, in 
connection with the earning and redeeming of Altitude 
Points; or 
Westpac Banking Corporation, in connection with the 
earning of Frequent Flyer Points. 
You   The Account Holder. 
Unless they are defined above, terms which have a defined meaning in the Card 
Account Terms and Conditions will have the same meaning in these Westpac 
Altitude Terms and Conditions. Where there is a reference to a document, the 
reference will also apply to any variation or replacement of that document.

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Westpac acknowledges the Traditional Owners as the custodians of this land,
recognising their connection to land, waters and community. We pay our respects to
Australia’s First Peoples, and to their Elders, past and present. 
© Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit
licence 233714. WBCARQ001 0926

---

# Source: https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/westpac-credit-card-terms-and-conditions.pdf

WESTPAC 
CREDIT CARDS 
•   Terms and Conditions 
•   Credit Guide 
•   Information Statement. 
Effective date: 27 June 2024

We’re here to help 
For general enquiries relating to your Card Account or to report a 
problem please contact us using any of the methods below. You must 
contact us immediately if your Card is lost or stolen or you believe 
your PIN or other passcodes have been compromised (this may stop 
you being liable for some types of transactions (see Clause 8)). 
Visit us online at 
westpac.com.au/personal-banking/credit-cards 
Call us 24/7 on 1300 651 089 if you are in Australia, 
+61 2 9155 7700 if you are abroad 
Visit us in branch 
If you’re experiencing financial hardship and need financial assistance, 
or have a complaint, please get in touch with us. 
Customer Solutions and Support. 
Phone:   132 032 
Online:   westpac.com.au/contact-us/feedback-complaints 
Westpac Assist. 
(If you are experiencing financial difficulties please contact us as soon 
as possible) 
Phone:   1800 067 497 
Online:   westpac.com.au/westpacassist 
Australian Financial Complaints Authority (AFCA). 
If you are not satisfied with our response or handling of your complaint you 
may contact this free, independent external dispute resolution scheme. 
Phone:   1800 931 678 (free call) 
Online:   www.afca.org.au 
Email:   info@afca.org.au 
Mail:   GPO Box 3, Melbourne VIC 3001 
Accessibility support. 
At any time, you can inform us how you would prefer to be 
contacted. If you are deaf and/or find it hard hearing or speaking 
with people who use a phone, you can reach us through the National 
Relay Service (NRS). To use the NRS you can register by visiting 
accesshub.gov.au/about-the-nrs 
Visit   westpac.com.au/web-accessibility   for further information on our 
accessible products and services for people with disability.

3 
Contents 
We’re here to help   ...................................................................................................... 2 
Important Information   ..............................................................................................   4 
Terms and Conditions   ................................................................................................ 6 
1.0   About your contract with us.   ............................................................................................ 6 
2.0   Your Card and PIN.   ................................................................................................................. 7 
3.0   Using your Card.   ...................................................................................................................... 8 
4.0   Statements and other communications.   ..................................................................   12 
5.0   Fees and interest.   ..................................................................................................................   13 
6.0   Paying your Card Account.   ..............................................................................................   18 
7.0   Westpac SmartPlan.   ............................................................................................................   19 
8.0   What to do if you have a problem.   .............................................................................   22 
9.0   Closing your Card Account or cancelling your Card.   ....................................... 24 
10.0   Our additional obligations and rights.   ...................................................................... 26 
11.0   Meaning of important terms.   .........................................................................................   28 
Credit Guide   ...............................................................................................................   31 
Information Statement   ...........................................................................................   34

4 
Important Information 
These Terms and Conditions, together with your Financial Table, set out the 
terms of your Credit Card Contract. It is important that you read all of the 
terms of your Credit Card Contract. However, set out below are some of 
the key terms that you should be aware of before agreeing to enter into the 
Credit Card Contract: 
•   As set out in our Privacy Policy and Privacy Statement, we may collect 
information about you and about your use of the Card Account, and 
disclose such information to third parties (this may include suppliers and 
service providers, credit reporting bodies and government agencies). This 
means that third parties may hold and use personal information about you. 
•   You must use your Card Account primarily for personal and household 
expenses. This means that we may cancel your Card if we believe that you 
are using your Card Account mainly for business purposes. See Clause 3.1 
for further details. 
•   We may decline to authorise a transaction without prior warning to you for 
various reasons, including if your Card Account is in arrears, the transaction 
would cause you to exceed your credit limit or we believe the transaction 
may involve fraud or illegality. See Clause 3.5. 
•   You must promptly tell us if your contact details change. If you don’t 
provide up to date contact information, this may impact your rights under 
the Credit Card Contract. See Clause 4.2. 
•   In certain circumstances, you may be liable for unauthorised use of 
any Card issued on your Card Account. See Clauses 2.1 and 8.1 for 
circumstances where you may be liable. 
•   We may cancel your Card or block your Card Account in certain 
circumstances without giving notice. Examples of where this may occur are 
if we suspect fraud or need to take action to prevent losses or you are in 
default under your Credit Card Contract. See Clause 9.2 for further details 
of when we can do this. 
•   If you are in default (which is described in Clause 9.3), we may require you 
to immediately repay the entire balance of your Card Account and you 
may be liable for reasonable enforcement expenses if we take enforcement 
proceedings to recover amounts owing to us. See Clause 9.3.

5 
•   If your Card Account is closed or your Card is cancelled, you must destroy 
any physical Card you have received. You will be liable for recurring 
payments and transactions debited to your account prior to the Card 
Account being closed. Even if your Card is cancelled or the Card Account 
is blocked, you still need to comply with your obligations under the Credit 
Card Contract, including any payment obligations. See Clause 9.4 for 
further details. 
•   We may use your funds held in one account to repay amounts owing to us 
on another account. See Clause 10.1. 
•   We may vary your Credit Card Contract without your consent and, in some 
cases, without prior notice. See Clause 10.3 for details of the changes we 
can make and how we can make them.

6 
Terms and Conditions 
1.0   About your contract with us. 
1.1   Introduction. 
These Terms and Conditions govern all Westpac-brand consumer Credit 
Cards issued by Westpac. 
1.2   The Credit Card Contract. 
The Credit Card Contract is made up of these Terms and Conditions along 
with the Financial Table attached to the letter of offer that we sent you 
(both contain some of your pre-contractual information). Please read 
these documents together and keep them. 
1.3   When the contract is formed. 
The Credit Card Contract between you and us is formed and these Terms 
and Conditions take effect when you activate the Card Account, accept 
the Credit Card Contract using any other method we make available, 
or when the first transaction is made on the Card Account. 
We may issue you a PartPay Card at your request. This is at our discretion 
and the PartPay Card may not be available at certain times or for certain 
credit card products. If we agree to issue you a PartPay Card, the PartPay 
Terms will be incorporated into your Credit Card Contract between you and 
us and take effect after you accept the terms in your Mobile Banking App 
(or accept the terms using any other method we make available) and we 
have made your PartPay Card available to you in your Mobile Banking App. 
1.4   Codes of practice. 
The relevant provisions of the Banking Code of Practice apply to the services 
referred to in this document. We will comply with the Banking Code of 
Practice and the ePayments Code where they apply to the Card Account. 
•   You can view a copy of the Banking Code of Practice on our website 
or ask us for a hard copy at one of our branches or over the phone. 
•   You can also view a copy of the Banking Code of Practice on the 
Australian Banking Association’s website:   www.ausbanking.org.au 
•   The ePayments Code can be found on ASIC’s website:   www.asic.gov.au

7 
2.0   Your Card and PIN. 
2.1   Protecting your Card and PIN. 
When a Card (other than a PartPay Card) is issued we will also provide 
you with a personal identification number (‘PIN’) or instructions on how 
to generate a PIN. When a PartPay Card is issued, the PIN for the card will 
be the same as the PIN on your linked Card. If we issue a PartPay Card to 
an Additional Cardholder then the PIN on their card will be the same as 
the PIN on their linked Additional Card. If you or an Additional Cardholder 
later change your linked Card PIN then the PIN for your PartPay Card will 
not automatically change. If you or an Additional Cardholder would like the 
same PIN for both Cards then you or the Additional Cardholder will need to 
separately change the PIN on the PartPay Card. 
Your PIN is used to securely identify yourself and approve transactions. 
You must sign your Card (other than a PartPay Card) as soon as you receive 
it and keep it with you or in a safe place at all times. You do not need to sign 
a PartPay Card as it is a digital card. 
Do not select a PIN that represents your birthdate or could be easily guessed. 
Do not tell anyone your PIN (including family and friends) and do not write it 
on your Card (or anything you keep or carry with your Card). You should try 
to memorise your PIN. However, if you need to keep a record of it you must 
take reasonable steps to properly hide or disguise it (such as hiding it among 
other records or putting it in a place where a PIN would not be expected 
to be found) or protect it from unauthorised access (such as keeping it 
in a secured locked place). 
It is important that you take proper steps to protect your Card and PIN. 
If you do not, you may be liable if someone uses your Card without your 
permission (see Clause 8 for more detail). 
2.2   Card validity and ownership. 
All Cards are the property of Westpac. We may (but do not have to) 
issue a new Card to you at any time. Your Card must not be used after 
its expiry date. 
2.3   Additional Cards. 
You can ask for a Card (other than a PartPay Card) to be issued to another 
person aged 16 years or over. That card is referred to as an Additional Card 
and that person is referred to as the Additional Cardholder. Where these 
Terms and Conditions refer to obligations relating to ‘your Card’, those 
obligations will also apply to the Additional Card (for example PIN security). 
You must require each Additional Cardholder to confirm that they have read

8 
the Terms and Conditions because you remain responsible for all aspects of 
the Card Account including: 
•   any usage by the Additional Cardholder; and 
•   any breach of your Credit Card Contract caused by the Additional 
Cardholder. 
By nominating an Additional Cardholder, You authorise the Additional 
Cardholder to act on your behalf to request a replacement card where the 
Additional Cardholder’s existing card is lost, damaged or stolen, except 
where the card has been cancelled by You. 
An Additional Cardholder will have access to the Card Account but will not 
be able to change the credit limit, close the account, or ask for a replacement 
Card after it has been cancelled by you. Additional Cards are not available 
on Westpac Student Visa Accounts. 
You do not need to ask for a PartPay Card to be issued to an Additional 
Cardholder. For details on how an Additional Cardholder can use a PartPay 
Card see Clause 3.3 of the PartPay Terms. 
3.0   Using your Card. 
3.1   What you can use your Card for. 
You can use your Card (other than a PartPay Card) to make a Purchase 
or a Cash Advance or carry out a Balance Transfer from another Credit 
Card. Where your Card has been linked to a Westpac deposit account, 
you can use the Card to make purchases or withdraw cash from the linked 
account at eftpos terminals and ATMs by selecting the cheque or savings 
account options. 
You can only use a PartPay Card to make eligible Purchases. See the PartPay 
Terms for more details. 
All Cards must be used mainly for personal or household expenses. 
If we believe your Card is being used mainly for business related expenses, 
we may transfer you to another product or cancel your Card. Your Card 
must not be used for any illegal purpose or in a way that would breach 
international sanctions. 
Cash Advances are not permitted on the Westpac Lite Card, or on a PartPay 
Card. However, if you do attempt to make a Cash Advance, there may be 
circumstances where we are unable to block it. If this happens on a Westpac 
Lite Card then the transaction will be treated as a Purchase and you must

9 
still repay the resulting balance. If this happens on a PartPay Card then the 
transaction will be treated as a PartPay Purchase and you must repay the 
amount in accordance with Clause 5.1 of the PartPay Terms. 
3.2   Where you can use your Card. 
You can use your Card in many places in Australia and around the world. 
Look for the Visa and Mastercard® signs that match those shown on your 
Card. If your Card is accepted by a Merchant, branch or ATM provider 
you can use it to: 
Pay for Purchases 
•   through payment terminals, e.g. at a shop, etc. 
•   online 
•   within a mobile app 
•   by telephone 
•   through mail order 
Withdraw Cash 
•   at an ATM 
•   at a Bank branch 
3.3   Recurring payments. 
You may authorise a Merchant to charge recurring payments to your Card 
automatically without requesting your authorisation on each occasion. 
If a Merchant is using Tokenised Credentials your Card details may be 
automatically updated (for example, if your Card is reissued or replaced). 
In those circumstances, reissuing or replacing a card may not stop recurring 
payments with that merchant. You should update your details with the 
Merchant whenever your Card details change. If you wish to cancel or 
change a recurring payment arrangement you should contact the Merchant 
directly before the next payment is due. Depending on your agreement with 
the Merchant, if you do not leave enough time, you may still be liable for that 
payment. If a Merchant does not act on your instruction to cancel a recurring 
payment you may contact us to dispute the transaction on your behalf. 
Please see Clause 8.1 for details on how to dispute a transaction.

10 
3.4   Foreign transactions. 
You may be charged Foreign Transaction Fees (as set out in the Financial 
Table or advised to you from time to time) on all Foreign Transactions. 
A Foreign Transaction is any transaction made in a foreign currency or 
processed outside Australia. This includes transactions made while you 
are in Australia where the Merchant or financial institution processing the 
transaction is located outside Australia (even if you are not aware of this). 
Any transaction in a foreign currency will be converted into Australian 
Dollars by the card scheme (either Visa or Mastercard) that processes the 
transaction at an exchange rate they set. If this transaction is later reversed 
or refunded in full or in part, the exchange rate used for the reversal or 
refund may differ from that used for the original transaction. 
Some Merchants and ATM operators allow you to convert a foreign currency 
into Australian Dollars at the time of purchase. If you select this option the 
exchange rate will be set by the Merchant or ATM operator and you may still 
be charged a Foreign Transaction Fee. 
3.5   Confirming and authorising transactions. 
There are a number of ways you may be able to confirm a transaction. 
These include: 
•   signing your name 
•   holding your mobile device (if your Card is enrolled in a digital wallet), or 
physical Card in front of a contactless payment device 
•   entering your PIN 
•   entering your Card details and any other information required. 
Before you do so, you must check that the transaction amount is correct 
and you are sure you wish to proceed with the transaction. 
After you have confirmed a transaction it may need to be authorised. 
The amount you can access on the Card Account will then reduce. 
Sometimes a transaction will not be completed after it is authorised, 
such as where it is reversed by a Merchant. If this happens, the amount 
you can access may still be reduced for up to four business days. 
We reserve the right not to authorise any transaction but we will typically 
only do this where: 
•   the transaction would cause you to exceed any of the limits that apply 
to your Card (more detail on limits can be found in Clause 3.6); 
•   we believe the transaction may involve fraud; 
•   the Card Account is in arrears; or 
•   we believe the transaction may be illegal or prohibited by 
international sanctions.

11 
3.6   Limits that apply. 
Your Card Account has a credit limit and a transaction limit. 
Credit limit   – This is the total amount you can access on your Card Account 
and is initially listed in your Financial Table. All authorised transactions 
(including holds placed on your Card Account) reduce the amount you can 
access even if they have yet to be processed to your Card Account. Some 
transactions may proceed even though they may take the Card Account 
balance over the credit limit. If this happens, any amount above your limit 
is payable immediately and you may incur an over-limit Fee. 
If you ask us to, we will reduce your credit limit (subject to any minimum 
credit limit that applies to the Card Account). If you wish to reduce 
the credit limit to a level below your outstanding balance you must first 
repay the difference. 
Transaction limit   – This is the daily limit, as initially listed on your Financial 
Table, that applies to the combined value of the following transactions made 
with your Card: 
•   ATM cash withdrawals 
•   Bank@Post transactions 
•   Transactions you charge to any linked deposit accounts by selecting 
the cheque or savings option. 
Some Merchants and ATM operators may apply their own additional restrictions. 
3.7   Gambling blocks. 
If you wish to limit access to gambling services through the Card Account, 
please call us or log into your online banking and activate gambling block 
in the Card Services menu. 
Once we process your request we will decline all transactions for 
the Card Account where: 
•   the card scheme (Visa or Mastercard) tells us that the Merchant offers 
gambling services; and 
•   we receive an authorisation request for the transaction. 
If you ask us to cancel this service, it may take two business days for your 
request to take effect. 
This service will not prevent all gambling transactions. For example, it will 
not prevent gambling transactions: 
•   that are recurring Card payments you have authorised before making 
the request 
•   through B PAY ® transactions or cash withdrawals

12 
•   in any other cases where we do not receive an authorisation request 
(for example if our systems are offline or the Merchant automatically 
approves the transaction). 
3.8   Processing of transactions. 
We will determine the order in which we process transactions on any given 
day, based on our business systems and processes. This means for example 
that transactions may not be processed in the order they were made. The 
processing order can affect how transactions are treated, including for 
the purposes of applying interest charges. Please contact us if you have 
any queries. 
4.0   Statements and other communications. 
4.1   Statements. 
We will issue a statement for the Card Account to you every month unless 
the account has a balance of $10 or less and there has been no account 
activity in that month. You can choose to receive statements by mail 
or electronically. 
We use statements to provide you with information, including changes to 
your Card Account, these Terms and Condition (see Clause 10.3 for more 
information) or the PartPay Terms (if applicable). If you have any questions 
about an item on your statement please call us. 
4.2   Keeping your contact details updated. 
You must promptly tell us if your contact details change (including your 
mailing address, email address and telephone number). If you do not do this 
it may impact your rights under the Credit Card Contract and you may miss 
out on other important information. For example, we may not be able or 
required to send you certain notices or statements. 
4.3.   Checking your statements regularly. 
Sometimes we get things wrong. Where we do, we will work to make 
things right. You will not be liable for any fees, charges or interest that we 
incorrectly charge to your account contrary to our applicable terms and 
conditions. Please check the entries listed in your account statements 
regularly, and if you see an error please contact us promptly on 132 032.

13 
5.0   Fees and interest. 
5.1   Fees and interest rates. 
You must pay the Fees that we post to your Card Account. Information 
about current standard Fees and any Annual Percentage Rates is available 
on request. You can also access this information online at: 
westpac.com.au/personal-banking/credit-cards 
5.2   Interest free period. 
An interest free period may apply to the Purchase Balance on your card. 
Please refer to the Financial Table attached to your letter of offer or visit us 
online at   westpac.com.au   to see whether an interest free period may apply. 
If your card comes with an interest free period on the Purchase Balance, you 
won’t incur interest on the Purchase Balance during the interest free period if 
you meet the conditions set out below. 
If your new Card Account has interest free days, you will automatically have 
an interest free period up to and including the first payment due date on 
your statement. Whether the interest free period will continue to apply 
will depend on whether you have paid the relevant amount outlined in the 
table below.

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If you do not have a Balance 
Transfer, a Smart Plan or a 
PartPay Card 
If you do have a Balance Transfer, 
a SmartPlan or a PartPay Card 
The interest free period will 
continue to apply as long as you 
pay the closing balance shown on 
your statement by the due date 
each month. 
The interest free period will 
continue to apply as long as you 
pay the Monthly Payment Balance 
shown on your statement by the 
due date each month. 
Your Monthly Payment Balance 
is calculated so that you do not 
need to pay off your entire Balance 
Transfer or SmartPlan Balance to 
enjoy your interest free period. 
Your Monthly Payment Balance is 
calculated so that you do not need 
to pay off your PartPay Balance at 
all to enjoy your interest free period. 
If you set up a SmartPlan after 
we have sent you a statement, 
the amount you need to pay that 
month to maintain your interest free 
period will be the Monthly Payment 
Balance shown on your statement 
minus the amount you transfer onto 
the new SmartPlan. 
Your interest free period will end on your due date if the relevant amount 
outlined in the table above (as applicable) is not paid in full. While you have 
a Balance Transfer or SmartPlan Balance, your interest free period will end on 
your due date if the Monthly Payment Balance is not paid in full. This means 
you will incur interest on any new Purchases and your outstanding Purchase 
Balance (regardless of when particular Purchases were made). 
A new interest free period will start the next time you pay your closing 
balance or Monthly Payment Balance (as applicable) in full by the due date. 
You may see interest charges on your next statement even after paying the 
closing balance or Monthly Payment Balance in full by the due date. This 
usually happens where you did not pay the previous closing balance or 
Monthly Payment Balance in full by the due date (the new interest charges 
are for the period between your last statement and when you paid the 
closing balance or Monthly Payment Balance).

15 
5.3   Calculation and application of interest charges. 
Unless you satisfy the interest free period conditions set out in Clause 5.2, 
you must pay interest on all amounts outstanding on the Card Account 
(other than on amounts outstanding on your PartPay Balance). 
Interest charges are applied at the end of each statement period, but are 
calculated daily based on the amounts outstanding on the Card Account 
(excluding amounts outstanding on your PartPay Balance) at the end of 
each day. 
Your Card Account balance is divided into ‘balance categories’ and this 
determines the Annual Percentage Rate that applies and when interest 
begins to be charged. 
•   Table 1   shows what is included in each balance category and which Annual 
Percentage Rate applies to each balance category. 
•   Table 2   shows when interest begins to be charged on different parts 
of your balance. 
On each day the outstanding balances for each category are multiplied by 
the applicable Annual Percentage Rate(s) divided by 365. The total amount 
of interest due is calculated by adding together all of the daily values across 
each day of the statement period.

16 
Table 1 
Balance 
category 
Items included in 
balance category 
Annual Percentage 
Rate that applies 
Purchase Balance   Purchases and interest 
charged on your 
Purchase Balance 
All Fees except Cash Advance 
Fees, Balance Transfer Fees 
and SmartPlan Fees 
Missed PartPay Payment 
Purchase Rate 
Cash Advance 
Balance 
Cash Advances, Cash 
Advance Fees and interest 
charged on your Cash 
Advance Balance 
Cash Advance 
Rate 
Balance Transfer 
Balance(s) 
Balance Transfers, Balance 
Transfer Fees and interest 
charged on your Balance 
Transfer Balance 
Balance Transfer 
Rate(s) 
SmartPlan 
Balance(s) 
SmartPlans, SmartPlan Fees 
and interest charged on your 
SmartPlan Balance 
SmartPlan Rate(s) 
PartPay Balance   PartPay Purchases 
Foreign Transaction Fees 
0.00% 
Other Balance   Any other amounts   As separately 
disclosed to or 
agreed with   you

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Table 2 
Item   Interest Charged from 
Purchases and 
Cash Advances 
The day   you   make the Cash Advance or Purchase 
(subject to any interest free period described in 
Clause 5.2) 
Interest charges, 
annual Fees and 
monthly Fees 
The day after the interest charge or Fee is applied 
to the Card Account 
All other Fees   The day the Fee is applied to the Card Account 
Balance Transfers   The day the Balance Transfer is transferred 
to the Card Account* 
Missed PartPay 
Payments 
The day the Missed PartPay Payment is included 
in your Purchase Balance*** 
SmartPlans   The day the SmartPlan is activated** 
Any other amounts   As separately disclosed to or agreed with   you 
*At the expiry of the promotional period applicable to a Balance Transfer, 
the remaining balance will become part of the Purchase Balance or Cash 
Balance in line with the terms of the promotional offer. 
**If any SmartPlan Balance remains outstanding at the end of the SmartPlan 
term it will be transferred back to your Purchase Balance, Cash Advance 
Balance or Balance Transfer Balance (depending on where the balance was 
prior to being on a SmartPlan) and will have interest applied accordingly. 
***See your PartPay Terms for details on when a Missed PartPay Payment 
is included in your Purchase Balance. 
5.4   Adjustments. 
If you make a Purchase (other than a PartPay Purchase) that is later refunded 
you will be charged interest on that Purchase for the period between the 
date of the original transaction and the date of the refund unless an interest 
free period applies. 
We will adjust your Card Account in relation to the relevant Purchase amount 
if we discover an error, a payment to the Card Account is dishonoured, 
or transactions are reversed following a dispute or unauthorised use. In 
the case of a PartPay Balance payment we may also adjust a PartPay 
Payment Schedule.

18 
6.0   Paying your Card Account. 
6.1   How much you have to pay each month. 
You must pay at least the Minimum Payment Due as shown on each 
statement by the due date. If you fail to do so, we may apply a Missed 
Payment Fee to the Card Account. (Please refer to your Financial Table for 
the Fees applicable to your account.) You can choose to pay more than the 
Minimum Payment Due. 
Account credits such as refunds, reversals, cashback and overpayments 
in prior months, do not count towards the Minimum Payment Due. PartPay 
Balance payments credited to your Card Account between your statement 
date and the due date for that statement, will count towards the Minimum 
Payment Due. 
If you cannot make a payment, you must contact us promptly as we may be 
able to help you. 
6.2   How you can make your payment. 
Payments (other than PartPay Balance payments) must be made 
in Australian Dollars using one of the ways listed in your statement. 
You can also opt to have your payment made automatically through 
our Card Autopay facility, further details of which can be found at: 
westpac.com.au/autopay 
See the PartPay Terms for details on how you can make a PartPay 
Balance payment. 
You should allow plenty of time ahead of your payment due date for your 
payment to reach us, for us to process it and for funds to clear into your 
account. After we receive your payment we will process and credit the 
verified amount to the Card Account as soon as we can. You can only access 
an amount that you have paid once the payment has cleared. Processing 
and clearing times will depend on how you pay and at what time of day. 
For more information about processing times, please call us. For Smart ATM 
processing and cut-off times visit   westpac.com.au   and search ‘ATM features’. 
6.3   How we apply your payments. 
Payments to the Card Account are applied to: 
1.   balances owing on your most recent statement; and then 
2.   transactions made since your last statement was issued. 
Within each balance or group of balances above we pay off the balances 
in order of the Annual Percentage Rate they attract, from highest to lowest. 
If the same Annual Percentage Rate applies to more than one amount, we 
apply the payment to those amounts in the following order:

19 
•   Interest charges incurred to date; 
•   Fees incurred to date; and 
•   Transactions (such as Cash Advances, Purchases or Missed 
PartPay Payments). 
Within each of the three categories above, the payment is applied in 
the order in which the relevant amount was debited to the Card Account. 
If you have more than one promotional plan on your account where special 
terms apply (for example a Balance Transfer offer) and they both have the same 
Annual Percentage Rate, we will apply payments to the oldest plan first. 
If you have a SmartPlan see Clause 7.6. If you have a PartPay Card see your 
PartPay Terms. 
7.0   Westpac SmartPlan. 
7.1   What is a SmartPlan? 
A SmartPlan helps you split an eligible large Purchase and part or all of your 
credit card balance (excluding your PartPay Balance) into manageable 
instalments. When you set up a SmartPlan your Card Account balance will 
be split into: 
•   a SmartPlan Balance – this will include all of your active SmartPlans 
•   your Main Account Balance, which is made up of any remaining amounts. 
Setting up a SmartPlan does not change the credit limit of your Card 
Account or your obligation to keep your total balance within your credit limit 
as detailed in Clause 3.6. 
7.2   How do you set up a SmartPlan? 
You can ask us to set up a SmartPlan using Online Banking (either on 
your desktop or in the Westpac mobile app). Your request may take 
up to 2 business days, but we will notify you if we accept your request. 
The maximum number of SmartPlans you can have at one time is eight (8). 
7.3   Are there Fees and charges? 
We will advise you of the Annual Percentage Rate and any Fees that apply 
to your SmartPlan when you ask for it to be set up. All applicable Fees 
and interest charges will be added to the total SmartPlan Balance and be 
included in your instalment payments. 
When you ask us to set up your SmartPlan, we will provide you with an 
‘Estimated Total Repayment’ figure. The actual amount you will pay will vary 
depending on the date your SmartPlan is activated and on the payments 
that you make.

20 
7.4   How does SmartPlan affect what you need to pay each month? 
When you set up a SmartPlan you will choose the number of monthly 
instalment payments you will need to make. To keep the SmartPlan open 
you need to pay these instalments by the due date on your statement 
each month. 
Having a SmartPlan doesn’t change your obligation to always pay 
the Minimum Payment Due each month as explained in Clause 6.1. 
7.5   Does a SmartPlan change Autopay instructions? 
Setting up a SmartPlan will affect your Autopay. If you have set up Autopay 
to pay a fixed dollar amount or a fixed percentage of your balance you will 
need to update your preference before you can request a SmartPlan. If you 
have a PartPay Card, it will not affect your Autopay for that card as that 
arrangement only applies to your PartPay Payments. 
To set up a SmartPlan you must change your Autopay instruction to either 
pay the: 
•   Monthly Payment Balance – to retain interest free periods; or 
•   Monthly Payment – to meet your minimum payment requirements on your 
Main Account Balance and pay your SmartPlan instalment. 
If you already have Autopay set to one of these options the amounts collected 
will be automatically adjusted to include any SmartPlan instalments. 
Regardless of any changes due to you setting up a SmartPlan, Autopay will 
always collect at least the Minimum Payment Due. 
7.6   How does SmartPlan affect how we apply your payments? 
When you have a SmartPlan we will adjust the order in which payments 
are applied to your Card Account. Payments will be applied in the 
following order: 
1.   To the SmartPlan instalment(s) shown on your most recent statement * 
2.   To your Main Account Balance (excluding your PartPay Balance) in the 
order as described in Clause 6.3 
3.   To any outstanding SmartPlan Balance(s)* 
4.   To your PartPay Balance in accordance with Clause 6 of your 
PartPay Terms 
*If you have more than one we pay them off in order of the Annual 
Percentage Rate they attract, from highest to lowest. If two or more 
SmartPlans have the same Annual Percentage Rate, payments will be 
applied first to the oldest SmartPlan.

21 
By setting up a SmartPlan, you are asking us to apply payments in this way. 
In some circumstances, this means you might pay more interest than if you 
did not have a SmartPlan. You can cancel your SmartPlan at any time via 
Online Banking. 
7.7   What happens if you do not pay your SmartPlan instalment 
in full or pay late? 
If you do not pay your SmartPlan instalment in full by the due date we 
may cancel your SmartPlan and move the balance back to the Main 
Account Balance. We will not refund any Fees you may have paid to set up 
your SmartPlan. 
If we allow your SmartPlan to continue we will not adjust your SmartPlan 
instalments. When this happens you will need to make catch-up payments 
to ensure your SmartPlan Balance is paid in full by the end of the plan term. 
If any SmartPlan Balance remains outstanding at the end of the SmartPlan 
term it will be transferred back to your Purchase Balance, Cash Advance 
Balance or Balance Transfer Balance (depending on where the balance was 
prior to being on a SmartPlan) and will have interest applied accordingly. 
7.8   When does a SmartPlan end? 
Your SmartPlan will end: 
•   on the last day of the SmartPlan term; or 
•   when you pay off the full SmartPlan Balance; or 
•   when the SmartPlan is cancelled 
You can cancel your SmartPlan at any time in Online Banking. 
We may cancel a SmartPlan if: 
•   You fail to pay your SmartPlan instalment by the due date shown on your 
statement; or 
•   You make an arrangement with us to pay less than the Monthly Payment; 
or 
•   You do not comply with your obligations under these Terms and Conditions. 
We will notify you if we cancel a SmartPlan.

22 
8.0   What to do if you have a problem. 
8.1   Security problems and transaction disputes. 
Security problems. 
If your Card is lost or stolen or you believe your PIN or other passcodes have 
been compromised you must contact us immediately. If you fail to do so you 
may be liable for any losses that result from your failure to notify us or any 
delay in doing so. 
Unauthorised transactions. 
If you believe your Card has been used to make transactions without your 
permission you must contact us immediately so that we can block the Card 
Account and investigate the issue. 
Other transaction disputes. 
If you are not happy with goods and services you have purchased with your 
Card or you believe the Merchant has charged you incorrectly you should 
first try to resolve your dispute with that Merchant. If this does not resolve 
your dispute you may have additional rights under the Mastercard or Visa 
dispute process. Please call us or use the ‘Dispute this transaction’ function 
within Online Banking. We encourage you to notify us of the dispute as soon 
as possible and if we ask you for further information you must provide that 
information within 14 days (or such longer period as it may be reasonable to 
allow). Our ability to obtain a refund may be restricted under Mastercard or 
Visa rules depending on how quickly you notify us. 
For further information on what to do and the options available to you when 
problems occur please visit: 
westpac.com.au/fraud-disputes-lost-stolen-cards

23 
Liability for unauthorised transactions and system failures. 
We apply the ePayments Code to determine liability for any losses that 
result from unauthorised electronic transactions or systems or equipment 
malfunctions. The below provides examples of when you may be liable for 
losses from an unauthorised transaction and when you are not. For more 
information, see the ePayments Code at ASIC’s website:   www.asic.gov.au . 
When you may be liable *   When you are not liable 
•   When you contributed 
to the loss through fraud 
or failing to protect 
your PIN as set out 
in Clause 2.1 
•   When you leave your 
Card in an ATM 
•   When you unreasonably 
delay in telling us about 
the misuse, loss or theft 
of your Card, or that the 
security of your PIN has 
been breached 
•   When it is clear that you did not contribute 
to the loss ** 
•   Losses due to our (or our people’s) fraud 
or negligence 
•   Transactions incorrectly charged more than 
once to the Card Account 
•   Unauthorised transactions after you tell us 
about a Card, PIN or password security issue 
•   Unauthorised transactions that can 
be made using your Card number 
and expiry date, without your Card, 
PIN or other password 
•   Losses arising from a system malfunction 
where a transaction is not completed in line 
with instructions you have submitted and 
that have been accepted by the system 
* You will not be liable for the portion of losses that exceed your credit limit, 
or that were incurred in one day in excess of your transaction limit. 
**Where losses arise from a transaction that requires a PIN and it is not clear 
if you contributed to the loss your liability will be no more than $150. 
To avoid liability for transactions involving handwritten signatures, you must 
also adequately protect your Card. 
8.2   Resolving problems and complaints. 
If you have a problem or complaint, we aim to resolve it at your first point 
of contact with us. If we cannot do so, we will escalate it to our Customer 
Solutions Team. 
If you are not satisfied with our response or handling of your complaint, 
you may be able to lodge a complaint with the free, independent external 
dispute resolution scheme, the Australian Financial Complaints Authority 
(AFCA). AFCA’s details can be found at the front of this document.

24 
9.0   Closing your Card Account or cancelling your Card. 
9.1   Your right to close your Card Account. 
You may ask us to close your Card Account through Online Banking or by 
contacting us. When we receive a closure request we will cancel your Cards 
immediately and close your Card Account (which ends your Credit Card 
Contract) as soon as your balance is repaid in full. 
To cancel an Additional Card (but not close the Card Account) please notify 
us in branch or by phone. 
To cancel a PartPay Card please see your PartPay Terms. 
9.2   Our right to cancel a Card or block the Card Account. 
We may cancel a Card or block the Card Account without giving notice: 
•   if we suspect fraud or need to take action to prevent losses; 
•   to manage regulatory risk; 
•   where we reasonably believe the use of an account has caused harm 
(including financial abuse) to another person; or 
•   for any other reason determined by us acting reasonably. 
We may also cancel a Card or block the Card Account if you are in default. 
Further details are provided below in Clause 9.3. 
If your account has a positive (credit) balance when it is closed by you or us, 
we may: 
•   transfer that amount to another account in your name that you hold with 
us; and/or 
•   attempt to contact you to return the amount. 
If we have given you notice and you have not contacted us to seek return 
of the amount and it is less than $10, we may transfer those funds to a 
charitable organisation or association. 
9.3   Our rights when you are in Default. 
You are in default if: 
•   You don’t make the required payments when due (for the avoidance of 
doubt you will not be in default if you do not pay a PartPay Payment by its 
PartPay Payment Date); 
•   You become bankrupt or enter into any arrangement with creditors; or 
•   You or the Additional Cardholder do any of the following and, in our 
reasonable opinion, this has a material impact on our credit, legal 
or reputational risks:

25 
−   fail to comply with the law; 
−   engage in conduct that is misleading; 
−   use the Card Account for a non-approved purpose. 
When you are in default the Bank may require immediate payment of all 
amounts you owe under this Credit Card Contract, including amounts 
accrued or charged but not yet debited to your account. You may also have 
to pay reasonable enforcement expenses, including any amount reasonably 
incurred by the use of our staff and facilities. 
Before we require immediate repayment in full, you will normally be given 
30 days’ written notice to allow you an opportunity to remedy the default. 
Sometimes we may immediately start enforcement proceedings without 
providing notice, for example where: 
•   we believe, on reasonable grounds, that we were induced by fraud on your 
part to enter into this Credit Card Contract; 
•   we have made reasonable efforts to locate you without success; or 
•   a court authorises us to commence enforcement proceedings without 
notice to you. 
9.4   What you must do when a Card is cancelled or the Card 
Account is closed. 
When the Card Account has been closed or a Card (other than a PartPay 
Card) has been cancelled for any reason, you must: 
•   Destroy the Card(s) in a secure manner. If you cannot destroy an Additional 
Card you must tell the Additional Cardholder not to use the Card and tell 
us so that we may cancel the Card. 
•   Cancel any recurring payments which are linked to the Card Account 
because, although a stop may have been placed on the Card Account, the 
Additional Card may still be used in some circumstances that are out of 
our control. 
You will remain liable for recurring payments which have not been cancelled, 
and transactions debited to the Card Account which were made before 
closing your account. 
While the Card Account remains open, even if a Card is cancelled or a Card 
Account is blocked, you must continue to meet your payment obligations 
and all other obligations under these Terms and Conditions. Fees and 
charges including interest will continue to apply until the balance is paid off 
and the Card Account is closed. 
Please see the PartPay Terms for details on what you must do when your 
PartPay Card is cancelled.

26 
10.0   Our additional obligations and rights. 
10.1   Right of set-off. 
Where you also have another account with Westpac (for example a deposit 
account) we may use funds from one to pay amounts owed on the other. 
Unless specifically allowed under law, you may not set off or deduct any 
amounts we owe you against amounts you owe on your Card Account. 
10.2   Right of assignment. 
We may assign our rights under your Credit Card Contract to someone 
else. You may not assign your rights under your Credit Card Contract 
to another person. 
10.3   Right of variation. 
We may make the following changes to the Credit Card Contract: 
•   Changes to interest (including changing the Annual Percentage Rate(s) 
or how we calculate and apply interest); 
•   Changes to your payments (for example, how much, how they are 
calculated or when or how often you need to pay); 
•   Changes to Fees (including introducing new Fees, changing the amount 
of them or the time of payment); 
•   Changes to credit or transaction limits (including reducing your credit limit); 
•   Other changes that: 
−   reflect changes in law, official directives, or the guidance from a regulator; 
−   reflect changes to our business or systems; 
−   reflect current industry or market practice or conditions; 
−   are administrative or correct a mistake; 
−   we reasonably think you will benefit from; 
−   are reasonably necessary to protect our legitimate interests. 
We will generally apply these changes to a class of customers or a product, 
but where they reflect changes to a credit limit, our risk associated with you, 
a mistake on your account or will be beneficial to you, we may apply them 
just to you.

27 
How and when we notify you of changes. 
Changes to Annual Percentage Rates 
How   In writing (which may be on your statement) or a notice 
we publish* 
When   As soon as reasonably possible, but no later than the day 
the change happens. 
Changes to Fees 
How   In writing (which may be on your statement) or a notice 
we publish* 
When   As soon as reasonably possible. However, if we believe the 
change is unfavourable to   you , we will give   you   notice at least 
30 days in advance.** 
Changes that reduce your obligations, extend the time for payment 
How   In writing (which may be on your statement) 
When   As soon as reasonably possible but no later than the next 
statement after the change takes effect. 
Any other changes (including reducing your credit limit or changes that 
we believe are unfavourable to you) 
How   In writing (which may be on your statement) 
When   As soon as reasonably possible, at least 30 days in advance.** 
*We may use a range of means of publishing a notice from time to time, 
including in a newspaper, on our website or our Online Banking app, or a 
combination of one or more of these. We will also inform you of the change 
before or when we send you the next statement after the change takes effect. 
**Where it is reasonable for us to manage a material and immediate risk 
(for example, you are in default, or your Card Account has been inactive 
for 6 months), or immediately restore or maintain the security of one of our 
systems, or a Card Account, we may make unfavourable changes with less 
notice or no notice. 
Where we are allowed to do so, we can notify you of changes electronically 
(e.g. by email or messages in Online Banking).

28 
10.4   Tax Reporting Obligations. 
We are required under domestic and international laws to collect and report 
financial and account information relating to individuals and organisations 
who are, or may be, foreign tax residents. We may ask you whether you or 
any shareholder, beneficiary, settlor or controlling person are a foreign tax 
resident from time to time, such as when you open an account with us, or 
if your circumstances change. If you do not provide this information to us, 
including information about the foreign tax identification number for all 
countries you or any shareholder, beneficiary, settlor or controlling person 
are a foreign tax resident of, we may be required to limit the services we 
provide to you. This could include not opening your product, or limiting 
functions or services of your product, or closing it. 
Unless you tell us otherwise, by completing any application for products 
covered by these terms and conditions, you certify that you, any shareholder, 
named beneficiary, settlor or controlling person is not a foreign tax resident. 
You must tell us if you, or any shareholder, named beneficiary, settlor 
or controlling person is, or becomes, a foreign tax resident (unless an 
exemption applies, such as for shareholders of listed companies). Where 
there are no named beneficiaries (e.g. for beneficiaries identified only as a 
class) you must tell us if a beneficiary is a foreign tax resident immediately 
when any decision is made to identify such beneficiary and, in any case, 
before such distribution is to be made to them. You may contact us to 
provide foreign tax residence information by calling 1300 725 863. We 
cannot give tax advice, so please contact your independent tax advisor if 
you need help finding out whether any person is a foreign tax resident. 
11.0   Meaning of important terms. 
Annual Percentage Rate   – An annual interest rate that applies to a balance 
category (e.g. Purchases, Cash Advances or Balance Transfers) of your 
Card Account as specified in the Financial Table, as advised to you from time 
to time or as specified in a promotional offer. 
Balance Transfer   – A balance transferred to your Card Account from another 
card account to which specific terms may apply. 
Bank, Westpac, our, we, or us   – Westpac Banking Corporation 
ABN 33 007 457 141 AFSL and Australian credit licence 233714. 
Card, or Credit Card   – Any credit card (whether in plastic or digital form) 
issued by us to you or to an Additional Cardholder, which can be used to 
access credit on your Card Account, and includes, for the avoidance of 
doubt, any PartPay Card.

29 
Card Account   – The account used to record transactions under the Credit 
Card Contract. 
Cash Advance   – A transaction where you: 
•   withdraw cash 
•   pay for items we consider to be equivalent to cash (for example; foreign 
currency including cryptocurrency, traveller’s cheques, money orders or 
stored value cards) 
•   transfer funds to another account or stored value card (for example a bank 
account, trading account or prepaid card) except where this is done 
as a Balance Transfer 
•   pay bills over the counter or through a third party (other than B PAY ) 
•   pay a Merchant that provides gambling services and products, including 
Merchants that sell lottery tickets, 
or anything else we treat as being a Cash Advance. 
We classify transactions using information provided to us by the card 
scheme (Visa or Mastercard), which tells us about the main type of business 
conducted by the Merchant. All transactions with Merchants, especially those 
whose main business is listed above, may be treated as Cash Advances. 
Financial Table   – The document attached to your letter of offer that forms 
part of your Credit Card Contract and contains important details such 
as the interest rates and Fees that apply to your Card Account. 
Fees   – Fees and charges that apply to your Card Account as specified 
in the Financial Table, as advised to you from time to time, or as specified 
in a promotional offer. 
Main Account Balance   – The balance of your Card Account less any 
SmartPlan Balance. 
Merchant   – A provider of goods or services who accepts payment by Card. 
Minimum Payment Due   – The minimum payment you must make each 
month under your Credit Card Contract. Details of how this is calculated are 
set out in the Financial Table or advised to you from time to time. 
Minimum Payment Due on Main Account Balance   – The minimum payment 
that relates to your Main Account Balance. Calculated the same way we work 
out the Minimum Payment Due but using the Main Account Balance instead 
of the whole closing balance of your Card Account to work out that amount. 
Missed PartPay Payment   – Has the meaning given to that term in Clause 4 of 
the PartPay Terms.

30 
Monthly Payment   – The amount you must pay each month if you want 
to keep your SmartPlans active. Calculated as the Minimum Payment 
Due on Main Account Balance plus any SmartPlan instalments shown 
on a statement. 
Monthly Payment Balance   – The amount you must pay to retain an interest 
free period. Calculated as the Main Account Balance minus the Balance 
Transfer Balance and the PartPay Balance plus any SmartPlan instalments 
shown on a statement. 
Online Banking   – All methods that we provide to allow you to digitally 
access and manage your Card Account. This Includes mobile/tablet apps, 
and browser-based access. Online Banking is governed by separate Terms 
and Conditions located on our website. 
PartPay Payment   – Has the meaning given to it in the PartPay Terms. 
PartPay Purchase   – An ‘eligible Purchase’ (as defined in the PartPay Terms) 
made using your PartPay Card. 
PartPay Terms   – The Westpac document with PartPay Card Terms and 
Conditions in its title. 
Purchase   – All payments you make using your Card (other than a PartPay 
Card) that are not Cash Advances or Balance Transfers. 
SmartPlan   – An instalment plan available on your Card Account to which 
specific terms may apply. 
Tokenised Credentials   – The unique number created in some circumstances 
by the card scheme (Mastercard or Visa) which represents your Card 
number and may be used by a Merchant to process payments. 
You   – The person who is the owner of the Card Account and who is 
responsible for all transactions on the account.

31 
Credit Guide 
This Credit Guide gives you important information about the products 
we provide which are regulated by the National Credit Code (‘consumer 
lending products’). 
In this document, the words ‘we’, ‘us’, ‘our’ and ‘Westpac’ refer to Westpac 
Banking Corporation. References to the ‘Westpac Group’ refer to all our 
related bodies corporate. The Westpac Group has additional products 
and services that are not covered by this document. In your interaction 
with the Westpac Group, you may receive Financial Services Guides 
and additional Credit Guides. 
Westpac’s consumer lending products include: 
•   Credit cards 
•   Home loans 
•   Residential property investment loans, and 
•   Personal loans. 
1.0   Our general obligations. 
In relation to our consumer lending products, we will not, as a credit provider: 
•   Enter into a credit contract with you; or 
•   Increase the credit limit of a credit contract with you, 
if we assess that the credit contract is unsuitable for you. 
We refer to this assessment as the Suitability Assessment. To make this 
assessment, we will make reasonable inquiries about your: 
•   requirements and objectives in relation to the credit contract or credit limit; 
and 
•   financial situation and take reasonable steps to verify. 
2.0   When will the credit contract be unsuitable? 
A credit contract will be unsuitable if: 
•   The credit contract does not meet your requirements or objectives; or 
•   It is likely that you will be unable to comply with your financial obligations 
under the credit contract; or 
•   It is likely that you could only comply with your financial obligations under 
the credit contract with substantial hardship.

32 
3.0   How can you access a copy of the Suitability Assessment? 
If your application for credit or increase in credit has been approved, you can 
call 132 032 and request a written copy of the Suitability Assessment which 
we will provide within the following timeframes: 
Your request is made:   We will give you your assessment: 
Before the Credit Day *   As soon as possible after we receive your request 
Up to 2 years after 
the Credit Day* 
Within 7 business days after we receive 
your request 
Between 2 and 7 years 
after the Credit Day* 
Within 21 business days after we receive 
your request 
*The Credit Day is the date the credit contract is entered into or the credit 
limit is increased. 
We are not required to provide you with a copy of the assessment if the 
credit application or increase has been declined or if the credit contract your 
request relates to was entered into before 1 January 2011. 
4.0   Getting your complaint heard. 
Please talk to us   fi rst. 
We aim to resolve your complaint at your first point of contact 
with us, so we encourage you to raise your complaint through any 
of the following channels: 
132 032 
westpac.com.au/contact-us/feedback-complaints 
Reply Paid 5265, Sydney NSW 2001

33 
5.0   Our Customer Solutions Team. 
In the unlikely event that we can’t resolve your complaint at your first point 
of contact with the Bank, we will escalate your complaint to our Customer 
Solutions Team for further investigation. 
6.0   What to do if you are still not happy. 
If you are not satisfied with our response, you may lodge a complaint: 
Australian Financial Complaints Authority (AFCA). 
Online:   www.afca.org.au 
Email:   info@afca.org.au 
Phone:   1800 931 678 (free call) 
Mail:   Australian Financial Complaints Authority 
GPO Box 3 
Melbourne VIC 3001 
Australian Securities and Investments Commission (ASIC). 
ASIC has a free call Infoline on 1300 300 630. You can call this number 
to make a complaint and to obtain information about your rights. 
Office of the Australian Information Commissioner. 
You may also make a complaint to the OAIC where your complaint is about 
the way we handle your personal information. OAIC requires you to first 
lodge a complaint with us. The law also allows 30 days for us to deal with 
your complaint before you can make a complaint to the OAIC. 
The contact details for OAIC are set out below: 
Online:   www.oaic.gov.au 
Online enquiries:   Enquiry Form 
Phone:   1300 363 992 
Post:   Office of the Australian Information Commissioner 
GPO Box 5218 
Sydney NSW 2001

34 
Information Statement 
Things you should know about your proposed credit contract. 
Westpac is your credit provider. This statement tells you about some 
of the rights and obligations, you and we have. It does not state the terms 
and conditions of your contract. 
If you have any concerns about your contract, contact us and, if you still have 
concerns, the AFCA scheme, or get legal advice. 
The contract. 
1.   How can I get details of my proposed credit contract? 
We must give you a precontractual statement containing certain information 
about your contract. The precontractual statement, and this document, must 
be given to you before: 
•   Your contract is entered into; or 
•   You make an offer to enter into the contract; 
whichever happens first. 
2.   How can I get a copy of the   fi nal contract? 
If the contract document is to be signed by you and returned to us, you must 
be given a copy to keep. Also, we must give you a copy of the final contract 
within 14 days after it is made. This rule does not, however, apply if we have 
previously given you a copy of the contract document to keep. 
If you want another copy of your contract, write to us and ask for one. 
We may charge you a Fee. We have to give you a copy: 
•   Within 14 days of your written request if the original contract came into 
existence 1 year or less before your request; or 
•   Otherwise within 30 days’ of your written request. 
3. Can I terminate the contract? 
Yes. You can terminate the contract by writing to us so long as: 
•   You have not obtained any credit under the contract; or 
•   A card or other means of obtaining credit given to you by us has not been 
used to acquire goods or services for which credit is to be provided under 
the contract. 
However, you will still have to pay any Fees or charges incurred before you 
terminated the contract.

35 
4. Can I pay my credit contract out early? 
Yes. Pay us the amount required to pay out your credit contract on the day 
you wish to end your contract. 
5. How can I   fi nd out the pay-out   fi gure? 
You can write to us at any time and ask for a statement of the pay-out figure 
as at any date you specify. You can also ask for details of how the amount 
is made up. 
We must give you the statement within 7 days after you give your request 
to us. You may be charged a Fee for the statement. 
6.   Will I pay less interest if I pay out my contract early? 
Yes. The interest you can be charged depends on the actual time money 
is owing. However, you may have to pay an early termination charge 
(if your contract permits us to charge one) and other Fees. 
7.   Can my contract be changed by Westpac? 
Yes, but only if your contract says so. 
8.   Will I be told in advance if Westpac is going to make a change 
in the contract? 
That depends on the type of change. For example: 
•   You get at least same day notice for a change to an Annual Percentage 
Rate. That notice may be a written notice to you or a notice published by 
your credit provider. 
•   You get 30 days’ advance written notice for: 
−   A change in the way in which interest is calculated; or 
−   A change in credit Fees and charges; or 
−   Any other changes by Westpac 
except where the change reduces what you have to pay or the change 
happens automatically under the contract. 
9.   Is there anything I can do if I think that my contract is unjust? 
Yes. You should first talk to us. Discuss the matter and see if you can come 
to some arrangement. 
If that is not successful, you may contact the AFCA scheme. The AFCA 
scheme is a free service established to provide you with an independent 
mechanism to resolve specific complaints.

36 
The AFCA scheme can be contacted at: 
Australian Financial Complaints Authority 
Online:   www.afca.org.au 
Email:   info@afca.org.au 
Phone:   1800 931 678 (free call) 
Mail:   Australian Financial Complaints Authority 
GPO Box 3 
Melbourne VIC 3001 
Alternatively, you can go to court. You may wish to get legal advice, 
for example from your community legal centre or Legal Aid. 
You can also contact ASIC, the regulator, for information on 1300 300 630 
or through ASIC’s website at   www.asic.gov.au . 
General. 
10.   What do I do if I cannot make a repayment? 
Get in touch with us immediately. Discuss the matter and see if you can 
come to some arrangement. You can ask us to change your contract 
in a number of ways: 
•   To extend the term of your contract and reduce payments; or 
•   To extend the term of your contract and delay payments for a set time; or 
•   To delay payments for a set time. 
11.   What if we cannot agree on a suitable arrangement? 
If we refuse your request to change the repayments, you can ask us to review 
this decision if you think it is wrong. 
If we still refuse your request you can complain to the AFCA scheme. 
Further details about this scheme are set out below in question 13. 
12. Can Westpac take action against me? 
Yes, if you are in default under your contract. But the law says that you 
cannot be unduly harassed or threatened for repayments. If you think you 
are being unduly harassed or threatened, contact the AFCA scheme or ASIC, 
or get legal advice. 
13.   Do I have any other rights and obligations? 
Yes. The law will give you other rights and obligations. You should also 
READ YOUR CONTRACT carefully.

37 
If you have any complaints about your credit contract, or want more 
information, contact us. You must attempt to resolve your complaint with us 
before contacting the   AFCA   scheme. If you have a complaint which remains 
unresolved after speaking to us you can contact the   AFCA   scheme or get 
legal advice. 
The   AFCA   scheme is a free service established to provide you with an 
independent mechanism to resolve specific complaints. The   AFCA   scheme 
can be contacted at: 
Australian Financial Complaints Authority 
Online:   www.afca.org.au 
Email:   info@afca.org.au 
Phone:   1800 931 678 (free call) 
Mail:   Australian Financial Complaints Authority 
GPO Box 3 
Melbourne VIC 3001 
Please keep this information statement. You may want some information 
from it at a later date.

38 
This page has been left blank intentionally.

Westpac acknowledges the Traditional Owners as the custodians of this land, 
recognising their connection to land, waters and community. We pay our respects 
to Australia’s First Peoples, and to their Elders, past and present. 
Mastercard® is a registered trademark, and the circles design is a trademark of 
Mastercard International Incorporated.   ®   Registered to B PAY   Pty Ltd ABN 69 079 137 518. 
© Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit 
licence 233714. WBCCGT200 0624

---

# Source: https://www.westpac.com.au/credit-cards/credit-cards-fact-sheet

Key facts about these credit cards

This information sheet is an Australian Government requirement under the National Consumer Credit Protection Act 2009.

true

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Correct as at: **30 September 2026**

### **Description of Credit Cards**

| **Product Name**                                                                                                                                                                                                                                     | **Altitude Platinum Card**                                                                                                                                      | **Altitude Black Card**                                                                                                                  | **Low Fee Card**                                                                                                                           | **Low Rate Card**                                                                                                                      | **Westpac Lite Card**                                                                                                                  |
| ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | --------------------------------------------------------------------------------------------------------------------------------------------------------------- | ---------------------------------------------------------------------------------------------------------------------------------------- | ------------------------------------------------------------------------------------------------------------------------------------------ | -------------------------------------------------------------------------------------------------------------------------------------- | -------------------------------------------------------------------------------------------------------------------------------------- |
| **Minimum credit limit**                                                                                                                                                                                                                             | $3,000                                                                                                                                                          | $6,000                                                                                                                                   | $500                                                                                                                                       | $500                                                                                                                                   | $1,000                                                                                                                                 |
| **Minimum repayments**                                                                                                                                                                                                                               | 2.5% of the closing balance outstanding, or $25; whichever is greater. If the closing balance is less than $25, it must be paid in full.                        | 2.5% of the closing balance outstanding, or $25; whichever is greater. If the closing balance is less than $25, it must be paid in full. | 2% of the closing balance outstanding, or $10; whichever is greater. If the closing balance is less than $10, it must be paid in full.     | 2% of the closing balance outstanding, or $10; whichever is greater. If the closing balance is less than $10, it must be paid in full. | 2% of the closing balance outstanding, or $10; whichever is greater. If the closing balance is less than $10, it must be paid in full. |
| **Interest on purchases[\[#\]](https://www.westpac.com.au/content/dam/westpac/au/cf/disclaimers/credit-cards/cc-promotional-offers)**                                                                                                                | 23.98% p.a.                                                                                                                                                     | 20.99% p.a.                                                                                                                              | 13.74% p.a.                                                                                                                                | 9.90% p.a.                                                                                                                             |                                                                                                                                        |
| **Interest free period[\[#\]](https://www.westpac.com.au/content/dam/westpac/au/cf/disclaimers/credit-cards/cc-interest-free-period)**                                                                                                               | Up to 45 days on purchases only                                                                                                                                 | Up to 55 days on purchases only                                                                                                          | Up to 45 days on purchases only                                                                                                            |                                                                                                                                        |                                                                                                                                        |
| **Interest on cash advances[\[#\]](https://www.westpac.com.au/content/dam/westpac/au/cf/disclaimers/credit-cards/cc-promotional-offers)**                                                                                                            | 23.99% p.a.                                                                                                                                                     | 23.99% p.a.                                                                                                                              | 21.99% p.a.                                                                                                                                | 21.99% p.a.                                                                                                                            | Not offered                                                                                                                            |
| **Balance transfer interest rate[\[#\]](https://www.westpac.com.au/content/dam/westpac/au/cf/disclaimers/credit-cards/cc-promotional-offers)**                                                                                                       | For each product, please refer to the Balance Transfer interest rate, term and balance transfer fee (if applicable) set out in the offer details viewed by you. | Not offered                                                                                                                              |                                                                                                                                            |                                                                                                                                        |                                                                                                                                        |
| **Annual or monthly fee[\[#\]](https://www.westpac.com.au/content/dam/westpac/au/cf/disclaimers/credit-cards/cc-promotional-offers),[\[#\]](https://www.westpac.com.au/content/dam/westpac/au/cf/disclaimers/credit-cards/cc-referred-as-card-fee)** | $175 per year                                                                                                                                                   | $295 per year                                                                                                                            | $0 or $30 per year[\[#\]](https://www.westpac.com.au/content/dam/westpac/au/cf/disclaimers/credit-cards/cc-low-fee-annual-card-fee-waiver) | $7 a month (equating to $84 per year)                                                                                                  | $9 a month (equating to $108 per year)                                                                                                 |
| **Late payment fee[\[#\]](https://www.westpac.com.au/content/dam/westpac/au/cf/disclaimers/credit-cards/cc-referred-as-missed-payment-fee)**                                                                                                         | $20                                                                                                                                                             | $0                                                                                                                                       |                                                                                                                                            |                                                                                                                                        |                                                                                                                                        |

There may be circumstances in which you have to pay other fees. A full list of current fees applicable to this credit card can be obtained from [www.westpac.com.au/creditcardfees](https://www.westpac.com.au/credit-cards/manage/fees-interest/minimising-fees).

For more information on choosing and using credit cards visit the ASIC consumer website at [www.moneysmart.gov.au](https://www.moneysmart.gov.au/).

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Things you should know

Be credit savvy: Before applying, consider a realistic credit limit and check all conditions, interest rates, fees and charges on your selected card.

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---

# Source: https://www.westpac.com.au/terms-conditions/?fid=op-infob-nprs-ftr-cta1

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* [ Contact us ](https://www.westpac.com.au/contact-us "Contact us")
* [ Locate us ](https://www.westpac.com.au/locateus "Locate us")

Help centre

* [All Help centre](https://www.westpac.com.au/help "All Help centre")
* [Financial hardship support](https://www.westpac.com.au/help/support-with-tough-times/applying-for-financial-hardship-support "Financial hardship support")
* [Support with tough times](https://www.westpac.com.au/help/support-with-tough-times "Support with tough times")
* [ID verification](https://www.westpac.com.au/security/how-we-protect-you/westpac-id-secure "ID verification")
* [Lost or stolen card](https://www.westpac.com.au/personal-banking/online-banking/making-the-most/lost-stolen-card "Lost or stolen card")
* [Update contact details](https://www.westpac.com.au/personal-banking/online-banking/making-the-most/update-details "Update contact details")
* [Forgotten password](https://www.westpac.com.au/faq/forgotten-login "Forgotten password")
* [Security hub](https://www.westpac.com.au/security "Security hub")
* Register for Online Banking

Quick links 
* [ Contact us ](https://www.westpac.com.au/contact-us "Contact us")
* [ Locate us ](https://www.westpac.com.au/locateus "Locate us")

Quick links 
* [ Contact us ](https://www.westpac.com.au/contact-us "Contact us")
* [ Locate us ](https://www.westpac.com.au/locateus "Locate us")

 Sign in 

* [Online Banking - Personal](https://banking.westpac.com.au/wbc/banking/handler?TAM%5FOP=login&segment=personal "Online Banking - Personal")
* [Online Banking - Business](https://banking.westpac.com.au/wbc/banking/handler?TAM%5FOP=login&segment=business "Online Banking - Business")
* [Corporate Online](https://online.corp.westpac.com.au/ "Corporate Online")
* [All sign in](https://www.westpac.com.au/all-online-services "All sign in")

Bank

* [Bank accounts](https://www.westpac.com.au/bank-accounts "Bank accounts")
* [Savings accounts](https://www.westpac.com.au/bank-accounts/savings-accounts "Savings accounts")
* [Credit cards](https://www.westpac.com.au/credit-cards "Credit cards")
* [International & Travel](https://www.westpac.com.au/international-travel "International & Travel")

Borrow

* [Home loans](https://www.westpac.com.au/home-loans "Home loans")
* [Personal loans](https://www.westpac.com.au/personal-loans "Personal loans")
* [Credit cards](https://www.westpac.com.au/credit-cards "Credit cards")

Invest

* [Share trading](https://www.westpac.com.au/personal-banking/share-trading/ "Share trading")
* [Term deposits](https://www.westpac.com.au/bank-accounts/term-deposit "Term deposits")
* [Super](https://www.westpac.com.au/personal-banking/superannuation/ "Super")
* [Margin lending](https://www.westpac.com.au/personal-banking/margin-lending/ "Margin lending")

Bank

* [Transaction accounts](https://www.westpac.com.au/business-banking/transaction-accounts/ "Transaction accounts")
* [FX & international payments](https://www.westpac.com.au/business-banking/international-trade/ "FX & international payments")
* [Credit cards](https://www.westpac.com.au/business-banking/credit-cards/ "Credit cards")

Save

* [Savings accounts](https://www.westpac.com.au/business-banking/savings-accounts/cash-reserve/ "Savings accounts")
* [Term deposits](https://www.westpac.com.au/business-banking/savings-accounts/term-deposits/ "Term deposits")

Borrow

* [Business loans](https://www.westpac.com.au/business-banking/loans-finance/business-loan/ "Business loans")
* [Business overdrafts](https://www.westpac.com.au/business-banking/loans-finance/business-overdraft/ "Business overdrafts")
* [Vehicle & equipment finance](https://www.westpac.com.au/business-banking/loans-finance/vehicle-equipment-finance/ "Vehicle & equipment finance")
* [All loans and finance](https://www.westpac.com.au/business-banking/loans-finance/ "All loans and finance")

EFTPOS & Payments

* [EFTPOS on your phone](https://www.westpac.com.au/business-banking/merchants-and-payments/eftpos-air-mobile-payments-app/ "EFTPOS on your phone")
* [EFTPOS Terminals](https://www.westpac.com.au/business-banking/merchants-and-payments/eftpos/ "EFTPOS Terminals")
* [Online & ecommerce](https://www.westpac.com.au/business-banking/merchants-and-payments/online-payments/ "Online & ecommerce")
* [Billing & recurring payments](https://www.westpac.com.au/business-banking/merchants-and-payments/billing-and-invoicing/ "Billing & recurring payments")
* [Merchant support](https://www.westpac.com.au/business-banking/merchants-and-payments/manage/ "Merchant support")

Insights & Industries

* [Industry banking](https://www.westpac.com.au/business-banking/industries/ "Industry banking")
* [Start up hub](https://www.westpac.com.au/business-banking/startup-hub/ "Start up hub")
* [Help for your business](https://www.westpac.com.au/business-banking/help-for-your-business/ "Help for your business")

Solutions

* [Transaction banking](https://www.westpac.com.au/corporate-banking/transactional-banking/ "Transaction banking")
* [Corporate & structured finance](https://www.westpac.com.au/corporate-banking/corporate-and-structured-finance/ "Corporate & structured finance")
* [Commodities, trade & transition](https://www.westpac.com.au/corporate-banking/trade-supply-chain-finance/ "Commodities, trade & transition")
* [Financial markets](https://www.westpac.com.au/corporate-banking/financial-markets/ "Financial markets")

Industries

* [Consumer and industrials](https://www.westpac.com.au/corporate-banking/corporate-institutional/stronger-relationships/consumer-and-industrials/ "Consumer and industrials")
* [Financial institutions](https://www.westpac.com.au/corporate-banking/corporate-institutional/stronger-relationships/financial-institutions/ "Financial institutions")
* [Health and aged care](https://www.westpac.com.au/corporate-banking/corporate-institutional/stronger-relationships/health-and-aged-care/ "Health and aged care")
* [Infrastructure and utilities](https://www.westpac.com.au/corporate-banking/corporate-institutional/stronger-relationships/infrastructure-and-utilities/ "Infrastructure and utilities")
* [Institutional real estate](https://www.westpac.com.au/corporate-banking/corporate-institutional/stronger-relationships/institutional-property/ "Institutional real estate")
* [Natural resources](https://www.westpac.com.au/corporate-banking/corporate-institutional/stronger-relationships/natural-resources/ "Natural resources")
* [Public sector](https://www.westpac.com.au/corporate-banking/corporate-institutional/stronger-relationships/public-sector/ "Public sector")

Insights

* [Economics & strategy](https://www.westpac.com.au/corporate-banking/financial-markets/economics-and-strategy/ "Economics & strategy")
* [Westpac DataX](https://www.westpac.com.au/corporate-banking/corporate-institutional/datax/ "Westpac DataX")
* [Westpac IQ](https://www.westpac.com.au/corporate-banking/westpaciq/ "Westpac IQ")

Online Banking

* [Corporate Online](https://www.westpac.com.au/corporate-banking/corporate-online/ "Corporate Online")
* [Westpac One](https://www.westpac.com.au/corporate-banking/westpac-one/ "Westpac One")

Register for Online Banking

* [Online Banking - Personal](https://www.westpac.com.au/personal-banking/online-banking/getting-started "Online Banking - Personal")
* [Online Banking - Business](https://www.westpac.com.au/business-banking/online-banking/register "Online Banking - Business")
* [Corporate Online](https://www.westpac.com.au/corporate-banking/corporate-online "Corporate Online")
* [Westpac Share Trading](https://www.westpac.com.au/personal-banking/share-trading "Westpac Share Trading")
* [WinTrade](https://www.westpac.com.au/business-banking/wintrade "WinTrade")

Sign in 

* [Online Banking - Personal](https://banking.westpac.com.au/wbc/banking/handler?TAM%5FOP=login&segment=personal)
* [Online Banking - Business](https://banking.westpac.com.au/wbc/banking/handler?TAM%5FOP=login&segment=business)
* [Corporate Online](https://online.corp.westpac.com.au/)
* [All sign in](https://www.westpac.com.au/all-online-services)

 Close 

* [ Sign in](#)
* [ Personal](#)
* [ Business](#)
* [ Corporate](#)
* [ About us](#)
* [  Help](#)

* Sign in [Sign in](#)  
   * [All Sign in](https://www.westpac.com.au/all-online-services/ "Sign in")  
   * * [Online Banking - Personal](https://banking.westpac.com.au/wbc/banking/handler?TAM%5FOP=login&segment=personal "Online Banking - Personal")  
         * [Online Banking - Business](https://banking.westpac.com.au/wbc/banking/handler?TAM%5FOP=login&segment=business "Online Banking - Business")  
         * [Corporate Online](https://online.corp.westpac.com.au/ "Corporate Online")
* Home [Home](https://www.westpac.com.au/)
* Personal [Personal](#)  
   * [All Personal](https://www.westpac.com.au/personal-banking/ "Personal")  
   * * [Bank accounts](https://www.westpac.com.au/personal-banking/bank-accounts/ "Bank accounts")  
         * [Home loans](https://www.westpac.com.au/personal-banking/home-loans/ "Home loans")  
         * [Credit cards](https://www.westpac.com.au/personal-banking/credit-cards/ "Credit cards")  
         * [Personal loans](https://www.westpac.com.au/personal-banking/personal-loans/ "Personal loans")  
         * [International & Travel](https://www.westpac.com.au/personal-banking/travel-centre/ "International & Travel")  
         * [Insurance](https://www.westpac.com.au/personal-banking/insurance/ "Insurance")  
         * [Superannuation](https://www.westpac.com.au/personal-banking/superannuation/ "Superannuation")  
   * * [Investments](https://www.westpac.com.au/personal-banking/investments/ "Investments")  
         * [Share Trading](https://www.westpac.com.au/personal-banking/share-trading/ "Share Trading")  
         * [Margin Lending](https://www.westpac.com.au/personal-banking/margin-lending/ "Margin Lending")  
         * [Westpac Private](https://www.westpac.com.au/personal-banking/private-banking-services/ "Westpac Private")  
         * [Services](https://www.westpac.com.au/personal-banking/services/ "Services")  
         * [Westpac Online Banking](https://www.westpac.com.au/personal-banking/online-banking/ "Westpac Online Banking")  
         * [Ways to pay](https://www.westpac.com.au/personal-banking/mobile-wallets/ "Ways to pay")
* Business [Business](#)  
   * [All Business](https://www.westpac.com.au/business-banking/ "Business")  
   * * [Business Bank accounts](https://www.westpac.com.au/business-banking/bank-accounts/ "Business Bank accounts")  
         * [Savings accounts](https://www.westpac.com.au/business-banking/savings-accounts/ "Savings accounts")  
         * [Credit cards](https://www.westpac.com.au/business-banking/credit-cards/ "Credit cards")  
         * [Loans and finance](https://www.westpac.com.au/business-banking/loans-finance/ "Loans and finance")  
         * [EFTPOS & eCommerce](https://www.westpac.com.au/business-banking/merchants-and-payments/ "EFTPOS & eCommerce")  
         * [Business Insurance](https://www.westpac.com.au/business-banking/insurance/ "Business Insurance")  
         * [FX & International](https://www.westpac.com.au/business-banking/international-trade/ "FX & International")  
         * [Commercial & Industry Banking](https://www.westpac.com.au/business-banking/industries/ "Commercial & Industry Banking")  
         * [Business digital wallets](https://www.westpac.com.au/business-banking/mobile-wallets/ "Business digital wallets")  
   * * [Business setup help](https://www.westpac.com.au/business-banking/business-setup/ "Business setup help")  
         * [Tax Entity Classification Information](https://www.westpac.com.au/business-banking/tax-entity-classification/ "Tax Entity Classification Information")  
         * [Online Banking for Business](https://www.westpac.com.au/business-banking/online-banking/ "Online Banking for Business")  
         * [Help for your business](https://www.westpac.com.au/business-banking/help-for-your-business/ "Help for your business")  
         * [Current offers](https://www.westpac.com.au/business-banking/current-offers/ "Current offers")  
         * [Business Term Deposit](https://www.westpac.com.au/business-banking/term-deposits/ "Business Term Deposit")  
         * [Business Transaction Accounts](https://www.westpac.com.au/business-banking/transaction-accounts/ "Business Transaction Accounts")  
         * [Startup Business Hub](https://www.westpac.com.au/business-banking/startup-hub/ "Startup Business Hub")  
         * [Rapid Response](https://www.westpac.com.au/business-banking/rapid-response/ "Rapid Response")
* Corporate [Corporate](#)  
   * [All Corporate](https://www.westpac.com.au/corporate-banking/ "Corporate")  
   * * [Sustainability for corporate and institutional](https://www.westpac.com.au/corporate-banking/esg-environmental-social-governance/ "Sustainability for corporate and institutional")  
         * [Westpac IQ](https://www.westpac.com.au/corporate-banking/westpaciq/ "Westpac IQ")  
         * [Corporate & institutional](https://www.westpac.com.au/corporate-banking/corporate-institutional/ "Corporate & institutional")  
         * [Transaction banking](https://www.westpac.com.au/corporate-banking/transactional-banking/ "Transaction banking")  
         * [Financial markets](https://www.westpac.com.au/corporate-banking/financial-markets/ "Financial markets")  
   * * [Corporate & structured finance](https://www.westpac.com.au/corporate-banking/corporate-and-structured-finance/ "Corporate & structured finance")  
         * [Commodities, Trade & Transition](https://www.westpac.com.au/corporate-banking/trade-supply-chain-finance/ "Commodities, Trade & Transition")  
         * [Corporate Online](https://www.westpac.com.au/corporate-banking/corporate-online/ "Corporate Online")  
         * [Westpac One](https://www.westpac.com.au/corporate-banking/westpac-one/ "Westpac One")
* About us [About us](#)  
   * [All About us](https://www.westpac.com.au/about-westpac/ "About us")  
   * * [Indigenous](https://www.westpac.com.au/about-westpac/indigenous/ "Indigenous")  
         * [Westpac Group](https://www.westpac.com.au/about-westpac/westpac-group/ "Westpac Group")  
         * [Investor Centre](https://www.westpac.com.au/about-westpac/investor-centre/ "Investor Centre")  
         * [Media centre](https://www.westpac.com.au/about-westpac/media/ "Media centre")  
         * [Westpac Wire](https://www.westpac.com.au/about-westpac/westpac-wire/ "Westpac Wire")  
         * [Careers](https://www.westpac.com.au/about-westpac/careers/ "Careers")  
   * * [Sustainability](https://www.westpac.com.au/about-westpac/sustainability/ "Sustainability")  
         * [Our Foundations](https://www.westpac.com.au/about-westpac/our-foundations/ "Our Foundations")  
         * [Global locations](https://www.westpac.com.au/about-westpac/global-locations/ "Global locations")  
         * [Innovation](https://www.westpac.com.au/about-westpac/innovation/ "Innovation")  
         * [Diversity, Equity & Inclusion](https://www.westpac.com.au/about-westpac/diversity-equity-and-inclusion/ "Diversity, Equity & Inclusion")
* Help [Help](#)  
   * [All Help](https://www.westpac.com.au/help/ "Help")  
   * * [Financial hardship support](https://www.westpac.com.au/help/financial-hardship-support/ "Financial hardship support")  
         * [Contact us](https://www.westpac.com.au/help/contact-us/ "Contact us")  
         * [Locate us](https://www.westpac.com.au/help/locate-us/ "Locate us")  
         * [Ways to bank](https://www.westpac.com.au/help/ways-to-bank/ "Ways to bank")  
         * [Lost or stolen cards](https://www.westpac.com.au/help/lost-stolen-card/ "Lost or stolen cards")  
         * [Frequently asked questions](https://www.westpac.com.au/help/faq/ "Frequently asked questions")  
         * [Life moments](https://www.westpac.com.au/help/lifemoments/ "Life moments")  
         * [Community](https://www.westpac.com.au/help/community/ "Community")  
   * * [Indigenous & Remote Banking](https://www.westpac.com.au/help/indigenous-banking/ "Indigenous & Remote Banking")  
         * [Disaster help](https://www.westpac.com.au/help/disaster-help/ "Disaster help")  
         * [Security](https://www.westpac.com.au/help/security/ "Security")  
         * [Master your money](https://www.westpac.com.au/help/master-your-money/ "Master your money")  
         * [Making things right ](https://www.westpac.com.au/help/remediation/ "Making things right ")  
         * [Support with Tough Times](https://www.westpac.com.au/help/support-with-tough-times/ "Support with Tough Times")  
         * [Become a customer](https://www.westpac.com.au/help/become-a-customer/ "Become a customer")  
         * [Telephone Banking](https://www.westpac.com.au/help/telephone-banking/ "Telephone Banking")

* Terms and Conditions  
   * [Personal customers' Terms & Conditions](https://www.westpac.com.au/terms-conditions/wpgc-personal-disclosure-doc/)  
   * [Business customers' Terms & Conditions](https://www.westpac.com.au/terms-conditions/wpgc-bus-disclosure-docs/)

# Terms & Conditions

 Find our important information on Financial Services Guides, Product Disclosure Statements and Terms and Conditions.

## Important information

### [Personal customers](https://www.westpac.com.au/terms-conditions/wpgc-personal-disclosure-doc/)

### [Business customers](https://www.westpac.com.au/terms-conditions/wpgc-bus-disclosure-docs/)

---

### Target Market Determinations  

From 5th October 2021, the Design and Distribution Obligations (DDO) require product issuers to have a [Target Market Determination (TMD)](https://www.westpac.com.au/tmd/) in place for certain products they offer.

### Financial Services Guide (FSG)

A **Financial Services Guide (FSG)** describes the financial services offered by, and important information about, a financial services licensee. Westpac Banking Corporation holds an Australian Financial Services Licence (AFSL) AFSL No 233714.  

[Westpac FSG (PDF 218KB)](https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/FSR%5FWestpacGeneralFSG.pdf)

[Westpac Securities Limited and Australian Investment Exchange Ltd FSGs](https://onlineinvesting.westpac.com.au/media/34837/securitiesblanket.pdf)

### Credit Guide (CG)

Credit Guide (CG) provides important information about a licensee's obligations in relation to consumer lending products regulated by the National Credit Code. Effective 1 March 2011, Westpac holds an Australian Credit Licence (ACL) No. 233714.

[Westpac Credit Guide (PDF 68KB)](https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/Westpac%5FCredit%5FGuide.pdf)

### Principles for responsible marketing and fair advertising

We believe [responsible marketing and fair advertising (PDF 77KB)](https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/wbc-responsible-marketing-advertising.pdf) is a key element to ensuring our customers are informed about the products and services they are considering, and that our advertising is accurate and useful.

 Developed and overseen by the Chief Growth, Brand & Marketing Officer, these principles align with Westpac’s reputation as a trusted bank while ensuring a responsible, fair and ethical approach. These principles also align to the commitments set out in our Code of Conduct and our regulatory compliance obligations.

### The Banking Code of Practice

The [Banking Code of Practice](https://www.ausbanking.org.au/banking-code/) sets the standards of practice and service in the Australian banking industry. The Code applies to individual and small business customers, as well as their individual guarantors. More information about the Code can be found [here](https://www.westpac.com.au/about-westpac/sustainability/governance-and-accountability/banking-code-practice/).

### Retail payment service availability  

Each quarter you'll find the most recent report detailing the reliability of the seven retail payment services you might use with us. Past reports can also be found on this page. [Find out more](https://www.westpac.com.au/terms-conditions/retail-payment-service-availability/).

### International

* [United Kingdom](https://www.westpac.com.au/terms-conditions/uk-disclosure-documents/)

* [Singapore](https://www.westpac.com.au/terms-conditions/singapore-disclosure-documents/)

### Tax Reporting Obligations

Effective from 1 July 2024, we’re updating our home loan terms to clarify our obligations to collect and report information on **foreign tax residents** as shown in this new clause:  
  
**Tax Reporting Obligations**

We are required under domestic and international laws to collect and report financial and account information relating to individuals and organisations who are, or may be, foreign tax residents. We may ask you whether you or any shareholder, beneficiary, settlor or controlling person are a foreign tax resident from time to time, such as when you open an account with us, or if your circumstances change.

 If you do not provide this information to us, including information about the foreign tax identification number for all countries you or any shareholder, beneficiary, settlor or controlling person are a foreign tax resident of, we may be required to limit the services we provide to you. This could include not opening your product, or limiting functions or services of your product, or closing it.  
  
Unless you tell us otherwise, by completing any application for products covered by these terms and conditions, you certify that you, any shareholder, named beneficiary, settlor or controlling person is not a foreign tax resident. You must tell us if you, or any shareholder, named beneficiary, settlor or controlling person is, or becomes, a foreign tax resident (unless an exemption applies, such as for shareholders of listed companies). Where there are no named beneficiaries (e.g. for beneficiaries identified only as a class) you must tell us if a beneficiary is a foreign tax resident immediately when any decision is made to identify such beneficiary and, in any case, before such distribution is to be made to them.   
  
You may contact us to provide foreign tax residence information by calling 1300 725 863\. We cannot give tax advice, so please contact your independent tax advisor if you need help finding out whether any person is a foreign tax resident.

## Things you should know

A Product Disclosure Statement (PDS) is a document, or sometimes a group of documents, that contains information about a financial product including any significant benefits and risks, the cost of the financial product and the fees and charges that the financial product issuer may receive. Supplementary PDSs may be issued from time to time and must be read in conjunction with the PDS to which they relate.

 This website also contains other disclosure documents such as prospectuses, product information statements (PIS), annual reports and product offerings.  

### Connect

* [Contact us](https://www.westpac.com.au/contact-us/?fid=op-serob-nprs-ftr-cta1 "Contact us")
* [Locate us](https://www.westpac.com.au/locateus/?fid=op-serob-nprs-ftr-cta1 "Locate us")
* [FAQs](https://www.westpac.com.au/faq/?fid=op-serob-nprs-ftr-cta1 "FAQs")
* [Financial hardship support](https://www.westpac.com.au/help/support-with-tough-times/applying-for-financial-hardship-support/?fid=op-serob-nprs-ftr-cta1 "Financial hardship support")
* [Complaints and compliments](https://www.westpac.com.au/contact-us/complaints-compliments/?fid=op-serob-nprs-ftr-cta1 "Complaints and compliments")

### About us

* [Westpac Group](https://www.westpac.com.au/about-westpac/westpac-group/?fid=op-infob-nprs-ftr-cta1 "Westpac Group")
* [Careers](https://www.westpac.com.au/about-westpac/careers/?fid=op-infob-nprs-ftr-cta1 "Careers")
* [Investor centre](https://www.westpac.com.au/about-westpac/investor-centre/?fid=op-infob-nprs-ftr-cta1 "Investor centre")
* [Media centre](https://www.westpac.com.au/about-westpac/media/?fid=op-infob-nprs-ftr-cta1 "Media centre")
* [Westpac Wire](https://www.westpac.com.au/news/?fid=op-infob-nprs-ftr-cta1 "Westpac Wire")
* [Sustainability](https://www.westpac.com.au/about-westpac/sustainability/?fid=op-infob-nprs-ftr-cta1 "Sustainability")
* [Indigenous hub](https://www.westpac.com.au/about-westpac/indigenous/?fid=op-infob-nprs-ftr-cta1 "Indigenous hub")
* [Diversity, equity and inclusion](https://www.westpac.com.au/about-westpac/diversity-equity-and-inclusion/?fid=op-infob-nprs-ftr-cta1 "Diversity, equity and inclusion")
* [Our Foundations](https://www.westpac.com.au/about-westpac/our-foundations/?fid=op-infob-nprs-ftr-cta1 "Our Foundations")
* [Global locations](https://www.westpac.com.au/about-westpac/global-locations/?fid=op-infob-nprs-ftr-cta1 "Global locations")
* [Innovation](https://www.westpac.com.au/about-westpac/innovation/?fid=op-infob-nprs-ftr-cta1 "Innovation")

### Important information

* [Access and Inclusion](https://www.westpac.com.au/web-accessibility/?fid=op-infob-nprs-ftr-cta1 "Access and Inclusion")
* [Security](https://www.westpac.com.au/security/?fid=op-serob-nprs-ftr-cta1 "Security")
* [Privacy](https://www.westpac.com.au/privacy/?fid=op-infob-nprs-ftr-cta1 "Privacy")
* [Website terms and conditions](https://www.westpac.com.au/terms-and-conditions/?fid=op-infob-nprs-ftr-cta1 "Website terms and conditions")
* [Site index](https://www.westpac.com.au/sitemap/?fid=op-infob-nprs-ftr-cta1 "Site index")
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