Compare Gold/Platinum Credit Cards Travel insurance Cover
Most
Gold, Platinum or Titanium credit cards offer free travel insurance
when paying for your flights & holiday costs with your credit card.
As you can see below its a minefield of information and the
companies don't make it easy to compare! Each has slightly different
terms & conditions.
To activate the travel insurance cover each has slightly different terms.
Some
say you need to pay for the whole trip with credit card, some allow you
to pay with account funds from linked bank account (ASB credit card
with their ban account).
Please note: Always
check the terms haven't changed since this table was published. Always
check your with the card issuers before relying on this below as it is
only a guide and can change at any time.
The policies & their wordings can change at any time so
always check your policy before departure.
Make
sure you always have proof of purchase for anything in your baggage you
may want to claim as the insurance company will always ask for this.
This is the most recent information we have if looking for new card or looking to see what you get.
| | type | No. of days insurance if holiday bought with card
| Can I use Frequent flyer points?
| Card Fee /yr
|
AMEX
| Platinum | 180 | Only if bought flight with Amex destination miles
| $325
|
ANZ
| Gold
Qantas Platinum
| 90
90
| Yes but must pay
50% holiday costs on card
| $80
$105
|
ASB
| Gold Platinum | 90 120 | Yes Yes | $80 $170 |
BNZ
| Gold | 35 | Only Air New Zealand or Flybuys & must pay any taxes etc with card
| $80
|
KiwiBank
| Gold | 40 | Yes but must pay other holiday costs on card
| $80
|
National Bank
| Gold Thoroughbred
Gold
| 90
90
| Yes
Yes
| $95
$75
|
GlobalPlus
| Gold
Platinum
| 35
90
| Yes
Yes
| $105
$200
|
Westpac
| Gold
Titanium
| 35
120
| Minimum $1000 travel costs pre-paid
Min $500 travel prepaid
| $70
$290 |