Policy Benefits

Westpac Gold, Platinum and Business Card Schedule of Benefits

The tables below show the maximum amounts payable per period of insurance, for each policy benefit. Sub-limits or reduced payment levels may apply. Please refer to the applicable policy benefit for full cover details, to ensure that the policy meets your requirements.

The policy wording can be downloaded in PDF format by opening the link at the bottom of each schedule.

 

  

Maximum amount payable for each Period of Insurance

Benefit

  

Age up to and including 74 years

Ages 75 to 90 years inclusive**

1

Cancellation of travel*

Unlimited

$5,000 per person
$10,000 per family

 

Travel agent's cancellation fee

Maximum of $500 per family

Maximum of $500 per family

2

Overseas medical and associated expenses*

Unlimited

Not covered

 

Bed care patient allowance

$55 per day
Maximum of $5,500 per person
Maximum of $11,000 per family

Not covered

 

Follow on/deferred treatment in New Zealand

$1,000 per person

Not covered

3

Unexpected travel and accommodation expenses*

$10,000 per person
$20,000 per family

$10,000 per person
$20,000 per family

4

Death of a relative and resumption of journey*

$3,000 per person
$6,000 per family

$3,000 per person
$6,000 per family

5

Luggage, personal effects and travel documents*

$12,500 per person
$20,000 per family

$12,500 per person
$20,000 per family

 

Limit any one item Laptop computers and associated equipment/accessories

$3,000 per item
$6,000 in total

$3,000 per item
$6,000 in total

 

Emergency replacement of luggage

$500 per person
$1,000 per family

$500 per person
$1,000 per family

 

Replacement of travel documents

$550 per person
$1,000 per family

$550 per person
$1,000 per family

 

Unauthorised use of travel documents

$550 per person
$1,000 per family

$550 per person
$1,000 per family

6

Travel delay

After a 6 hour delay -
up to $275 per person,
$600 per family
Each additional 12 hour delay -
up to $275 per person,
$600 per family
Maximum of $825 per person,
$1,800 per family

After a 6 hour delay -
up to $275 per person,
$600 per family
Each additional 12 hour delay -
up to $275 per person,
$600 per family
Maximum of $825 per person,
$1,800 per family

7

Missed connection*

Maximum of $3,000 per family

Maximum of $3,000 per family

8

Funeral expenses

$12,500 per person
$20,000 per family

Not covered

9

Accidental death

$100,000 per cardholder
$50,000 per spouse
$5,000 per dependent child
Maximum of $150,000 per family

$100,000 per cardholder
$50,000 per spouse
$5,000 per dependent child
Maximum of $150,000 per family

10

Loss of income

Up to $1,100 per week
Maximum of $14,300 per person
 $22,000 per family

Not covered

11

Accidental death and disablement (common carrier cover)

$100,000 per cardholder
$50,000 per spouse
$5,000 per dependent child
Maximum of $150,000 per family

$100,000 per cardholder
$50,000 per spouse
$5,000 per dependent child
Maximum of $150,000 per family

12

Hijack and detention

$100 per day to a maximum of
$6,000 per person,
$12,000 per family

$100 per day to a maximum of
$6,000 per person,
$12,000 per family

13

Kidnap and ransom

Maximum of $250,000 per family

Maximum of $250,000 per family

14

Rental vehicle collision damage and theft excess cover*

$3,000 per family

$3,000 per family

15

Personal liability*

Maximum of $2,500,000 per family

Maximum of $2,500,000 per family

16

Snow sports***

Maximum of $10,000 per family

Maximum of $10,000 per family

* A $200 excess applies for each claim event made under Part D: benefits 1, 2, 3, 4, 5, 7, 14 and 15 of cover.

** Age references are to the age as at the date of departure for each respective journey. Refer to Age limit (Part A: 4.) and Application for cover for ages 75 years and older (Part A: 5.)

***Benefit 16 Snow sports only applies if you have purchased a snow sports extension by applying for cover.

 

 

Westpac World Card Schedule of Benefits

 

  

Maximum amount payable for each Period of Insurance

Benefit

  

Age up to and including 74 years

Ages 75 to 90 years inclusive**

1

Cancellation of travel*

Unlimited

$5,000 per person
$10,000 per family

 

Travel agent's cancellation fee

Maximum of $500 per family

Maximum of $500 per family

2

Overseas medical and associated expenses*

Unlimited

Not covered

  

Bed care patient allowance

$55 per day
Maximum of $5,500 per person
Maximum of $11,000 per family

Not covered

  

Follow on/deferred treatment in New Zealand

$1,000 per person

Not covered

3

Unexpected travel and accommodation expenses*

Unlimited

$10,000 per person
$20,000 per family

4

Death of a relative and resumption of journey*

$6,000 per person
$10,000 per family

$6,000 per person
$10,000 per family

5

Luggage, personal effects and travel documents*

$12,500 per person
$20,000 per family

$12,500 per person
$20,000 per family

 

Limit any one item Laptop computers and associated equipment/accessories

$3,000 per item
$6,000 in total

$3,000 per item
$6,000 in total

 

Emergency replacement of luggage

$500 per person
$1,000 per family

$500 per person
$1,000 per family

 

Replacement of travel documents

$550 per person
$1,000 per family

$550 per person
$1,000 per family

 

Unauthorised use of travel documents

$550 per person
$1,000 per family

$550 per person
$1,000 per family

6

Travel delay

After a 6 hour delay -
up to $275 per person,
$600 per family
Each additional 12 hour delay -
up to $275 per person,
$600 per family
Maximum of $825 per person,
$1,800 per family

After a 6 hour delay -
up to $275 per person,
$600 per family
Each additional 12 hour delay -
up to $275 per person,
$600 per family
Maximum of $825 per person,
$1,800 per family

7

Missed connection*

Maximum of $3,000 per family

Maximum of $3,000 per family

8

Funeral expenses

$12,500 per person
$20,000 per family

Not covered

9

Accidental death

$100,000 per cardholder
$50,000 per spouse
$5,000 per dependent child
Maximum of $150,000 per family

$100,000 per cardholder
$50,000 per spouse
$5,000 per dependent child
Maximum of $150,000 per family

10

Loss of income

Up to $1,100 per week
Maximum of $14,300 per
person, $22,000 per family

Not covered

11

Accidental death and disablement (common carrier cover)

$100,000 per cardholder
$50,000 per spouse
$5,000 per dependent child
Maximum of $150,000 per family

$100,000 per cardholder
$50,000 per spouse
$5,000 per dependent child
Maximum of $150,000 per family

12

Hijack and detention

$100 per day to a maximum of
$6,000 per person,
$12,000 per family

$100 per day to a maximum of
$6,000 per person,
$12,000 per family

13

Kidnap and ransom

Maximum of $250,000 per family

Maximum of $250,000 per family

14

Rental vehicle collision damage and theft excess cover*

$3,000 per family

$3,000 per family

15

Personal liability*

Maximum of $2,500,000 per family

Maximum of $2,500,000 per family

16

Snow sports***

Maximum of $10,000 per family

Maximum of $10,000 per family

* A $200 excess applies for each claim event made under Part D: benefits 1, 2, 3, 4, 5, 7, 14 and 15 of cover.

** Age references are to the age as at the date of departure for each respective journey. Refer to Age limit (Part A: 4.) and Application for cover for ages 75 years and older (Part A: 5.)

***Benefit 16 Snow sports only applies if you have purchased a snow sports extension by applying for cover.