Very disappointing. Claim declined
I purchased travel tickets using nab platinum card to go to USA in November last year with travel date in April 20. The airline cancelled the flight and the travel agent also went in liquidation. The insurance company declined my claim. All my banking is with nab including several home loans and credit card purchases of 3 to 4 international travel tickets per year. This was my only claim I made and I found this very disappointing. I am considering moving my business to another financial institution.
Terrible! Declined my claim despite having my doctor’s certification advising against travel
I lodged a claim as my doctor strongly advised against travelling Due to illness but they declined my claim because it hasnt happened yet. They state theres an exclusion for change of mind, disappointing. Beware of the fine print! It’s such a shame that they have no regard for my young family's health and wellbeing despite providing a medical
Practitioner’s written advise and the obvious pandemic declared.
The reviewer stated that an incentive was offered for this review
NAB Complimentary Travel Insurance for NAB Visa Credit Card Holders has its limitations
I called to make enquiries about an upcoming trip for my wife and I. The good part of this insurance is that it is complimentary if you spend $500 or more on your travel plans.
The limitations are that you can only get 90 days for 1 trip. If you go longer you need to go and buy separate insurance for your travels. I also think that the excess of $300 per claim is also high. This insurance does not cover any pre existing medical problems you may have either.
There is also one other point that must be raised. If you pay for a trip for your wif...e/partner as well as yourself then they are covered too. However they must travel with at all times. That means that if your partner goes further on a trip and you you go home as the primary card holder then your partner will not be covered. The consultant suggested to me that to get around this the secondary card holder should also spend at least $500 on his/her card to be covered as well. i.e. If you spend $2,000 on a trip do not put it on your card alone, split it on both cards and you will both be covered. This of course is not necessary if you both travel together for the whole trip. It's not a bad complimentary insurance but there are pitfalls and limitations that you need to be aware of. Know your exact circumstances, if in doubt call them.
Trivargo found me the 'best' deal, and that company went broke: NAB did not allow the claim
Trivargo got me a deal with a booking agent called Amoma. I paid them abt AUD650 for a hotel booking. Got a receipt and it was endorsed 'Paid in Full'. I rang the hotel and they said the money was paid. I showed up 10 days later and found Amoma had cancelled my booking leaving me high and dry - except they said, 'claim it back on your travel insurance'. I tried but was told by Allianz they didn't cover claims where the provider 'ceases trading'! My god! What is travel insurance for if not to cover such! Buyers beware. Stay away from NAB's and Allianz's insurance.
Watch the fine print and the ambigious phrases used to allow NAB to not live up to obligations.
Set out more than 12 months ago to cruise only around part of Australia and Tasmania.Became ill and was off loaded in Adelaide.The medical claim was large because Norwegian Line charged $5000.00 for one night in their hospital then situation was compounded by NAB refusing to acknowledge liability because of wording on their brochure,to this day neither QBE nor NAB have changed ambigious phrasing or acknowledged that they were in the wrong(QBE did pay the charge for Ship's service)
I used my NAB complimentary insurance for the first time after years of paying a lot for travel insurance. I found out it covered just as much as my previous insurer. I was a bit worried when I had to make a claim but it was fine. It took a while to receive payment as there was more paperwork needed that I thought I had sent.
I don't understand the low ratings.
I was unfortunate enough to have had to use the insurance claim once for an illness on holiday in Thailand. I called the toll free number, and they told me to charge everything to my card then submit the claim when I got home. The full claim was paid within a week of submission - no questions.
- Travel Insurance
We had to call upon our complimentary NAB credit card insurance on a recent family holiday to Thailand.
I fell sick on the way to the airport on our way home and we had to return back to our hotel. We had to extend our stay twice as my daughter and wife also fell sick.
To my horror Singapore Airways charged $4500 For the original change and then $900 for the second change. Including doctors fees and additional accommodation we were out of pocket almost $7000.
Thank goodness for our NAB complimentary insurance through QBE. They reimbursed us...
Complimentary Credit Card Insurance Works
Recently travelled overseas, in 7 weeks took 2 cruises with 6 days in Spain. Our travel insurance was complimentary on NAB Visa credit card. Unfortunately had to test it as my wife suffered an acute heart attack in Barcelona. The NAB were contacted, put me through to the Insurer - QBE Travel Assist team. They were calm, polite totally professional. Attention was on my wife's condition on every contact. Advice and actions were all timely and effective, really helping me to get some piece of mind at a difficult emotional time. The claim process w...as simple and successful. The people involved were fantastic. Highly recommend each company. I also recommend other travellers know to keep a copy of every stage of their itinerary for the entire trip - really helped to get a quick acceptance of the claim - only 4 days over a weekend using emails.
We had plane to travel to Bali on the 29th Nov 2017, received advise that the flight was cancelled due to Mt Aungu eruption. Had purchased a Scoopon Voucher for the holiday but it had to be redeemed by the 20th Dec 2017. Offered flights on the 20th Dec but as we had booked another holiday we where unable to fly, also if airport open. Gruda offered a refund which we accepted. Made a claim for the holiday portion on the 29th November 2017, checked with NAB travel as Scoopon advise did not state price but hotel advise did all of which were forw...ard to NAB claim. After numerous phone calls and emails response 18th Jan, I was required to obtain a invoice from Scoopon stating price which I obtained and forwarded forward on the 19th January 2018, As at the 5th Feb 2018 no response I again contacted NAB travel to be advised that they require a letter from the airline stating that the flight was cancelled, I advised that advise was received via text then stated that they would require a copy of that text. Apart from supplying no phone number to forward to text too, you have got to be kidding. [name removed] advised that no one in his office know about the volcanic eruption on Bali. NAB no worries travel claim you have to be kidding. February 8th 2018 Update: 2 1/2 Months down the track no settlement Claim submitted 29/11/17, no settlement as at 8/2/18, to whom to go to complain NAB not interested just refer back to QBE, Called for the 18th time documentation not correct again they requested Flight cancellation letter, which was actually received via text, from the Airline when I am not even making a claim for flights.
Pre existing conditions
In general terms, I think the free insurance (if you qualify) is a good product but watch out for pre existing conditions as there is no cover at all irrespective of how long ago the injury was and even if you no longer have any issues with it. Maybe look at another policy that covers pre existing conditions, it may have a premium loading added, and then rely on the Nab card insurance for everything else.
Very hesitant to use it
I am qualified for NAB Platinum Visa card travel insurance but after conversation with (?) QBE Representative who only took my first name and email I am really afraid to use it. I do not know if I have spoken to someone in Australia or elsewhere in the world. Dialled NAB number and have been transfer to "travel insurance section"They are not asking for client details, there is no Insurance documents, seem a lot of things is not covered. They are saying that my Insurance proof is my Platinum Card statement (?). I am travelling to Europe and Chin...a, far too risky to use this enigmatic travel insurance. Decided to purchase proper one, like every year in the past through Medibank. At least I know what I am covered for and whom to ring, if I need help. There is my name and details on insurance documents. It is not complimentary but I feel secure.
- Travel Insurance
Never choosing anyone else!
Hi went to NAB when I was going traveling to Europe and the USA for 3 months. They were cheaper than some of the others that I saw and had really good limits with a NIL excess. I so payed NAB and took the insurance out. On my trip I got really sick. I made of 20 insurance claims and all of them were sorted out for me within 7 business days with no issues. As I didnt have access to an Ambulance at one point, I used a taxi to transport myself to and from hospital. They only took cash and no proof of purchase was given. Allianz Global Assistance c...overed me for it anyway. They even offered to move me to Austria where I can get better treatment as treatment was awful in the medical facilities of where I was. I am so happy NAB chose to go with Allianz Global Assistance as a partner. To make it even better, two months later my parents went to the USA. Iinsicted that they get the same insurance. Both of my parents suddenly fell ill, but that is no issue because the 24 hour nurses helped them and in the end all expenses were sorted out. I recommend this insurance fully to anyone that needs to travel. Go into NAB and buy yourself travel insurance! You wont regret it, its like having your own guardian angel.
NAB Travel Insurance
Holiday travelling from Perth to Melbourne by car and returning by air was pre booked and paid for using NAB Qantas Platinum Amex Card. Believed this qualified for complimentary travel insurance. Had to cancel due to wife's illness. Tried submitting claim for lost flight but was told did not meet eligibility criteria as was not a return flight!
What kind of insurance is that?! Ridiculous!
Great no cost travel insurance
Travelled to Cambodia and Vietnam in Feb/Mar 2017. Picked up an infection which required treatment at a private clinic in Hanoi. Claiming was easy. Just make sure to send all of the documents that are required. Customer support very helpful.
Questions & Answers
I am travelling to Everest Base camp in Nepal - trekking above 5,000 metres. Does NAB complementary insurance (I am eligible) have any altitude limitation?
I would suggest to all readers to read the policy information booklet for this insurance. Just put aside a good half hour and read everything carefully to make sure you are covered. If you are still not sure just give them a call. You can find it at this link here: https://www.nab.com.au/content/dam/nabrwd/documents/policy/insurance/nab-card-insurance-policy-information.pdf
If someone who has eligibility for QBE Travel Insurance through NAB has high blood pressure, treated with medication, then has a stroke in the period away overseas, which requires medical treatment, hospital and assistance home, are they covered?
Get an answer from our members and NAB representatives
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|Category||Travel Insurance||Travel Insurance||Travel Insurance||Travel Insurance|
|Other Insurance Types Offered||Car, Home and Contents and Life||Car, Home and Contents and Life||Car, Home and Contents and Life||Car, Home and Contents and Life|
|Maximum Age Covered||120 years old||120 years old||120 years old||74 years old|
|Overseas Emergency Assistance||Unlimited||Unlimited||Not Covered||Unlimited|
|Accidental Death||$25,000||Not Included||$25,000||$25,000|
|Emergency Dental||$1,000||$1,000||Not Included||$1,000|
|Pregnancy (max weeks)||Optional cover available for 23 weeks||Optional cover available for 23 weeks||Optional cover available for 23 weeks||Optional cover available for 23 weeks|
|Resumption of Journey||Not Included||Not Included||Not Included||Not Included|
|Hospital Cash Allowance||$5,000||Not Included||Not Included||$5,000|
|Overseas Emergency Medical & Hospital Expenses||Unlimited||Unlimited||Optional cover available for 23 weeks||Unlimited|
|Loss of Income||$10,400||Not Included||Not Included||$10,400|
|Permanent Disability||$25,000||Not Included||Not Included||$25,000|
|Luggage & Personal Effects|
|Theft of Cash||$250||Not Included||$250||$250|
|Credit Card Fraud||$5,000 as part of Travel Document cover||Not Included||Not Included||$5,000 as part of Travel Document cover|
|Travel Documents / Passport||$5,000 as part of Credit Card Fraud cover||Not Included||Not Included||$5,000 as part of Credit Card Fraud cover|
|Maximum Single Item Limit||$1,000 (SmartPhone)||$1,000 (SmartPhone)||$1,000 (SmartPhone)||$1,000 (SmartPhone)|
|Luggage & Personal Effects||$10,000||$10,000||$10,000||$10,000|
|Rental Vehicle Excess||$3,000||$3000||$3000||$3,000|
|Motorbike / Moped Coverage||Not Included||Not Included||Not Included||Not Included|
|Domestic Pet Care||$500||Not Included||Not Included||$500|
|Special Activities Packages|
|Golf||Not Included||Not Included||Not Included||Not Included|
|Cruise||Optional Extra||Optional Extra||Optional Extra||Optional Extra|
|Adventure||Optional Extra||Optional Extra||Optional Extra||Optional Extra|
|Snow / Ski||Optional Extra||Optional Extra||Optional Extra||Optional Extra|
Other Travel Insurance
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