Credit Card Travel Insurance Westpac/Bendigo Rules. Can One Transaction Activate Spouse and Dependants Insurance

NinjaGamer on 19/10/2025 - 21:43

Hi Everyone,

I've got both the Bendigo Ready Credit Card and Westpac Platinum Credit card.
I was wondering if car rental purchases via services such as Booking.com can activate the free travel insurance?
Also can one big single transaction activate me, my wife's and dependants/kid's travel insurance?
Also does my wife/spouse need to be listed as a cardholder?
So for example I use it for plane tickets or car rental insurance would it activate all of our travel insurance from one transaction?

Thank you,

Travel Credit Card Insurance Travel Insurance

Comments

  • SBOB on 19/10/2025 - 21:51
    +3

    Have you read your cards insurance doco?

    I'm sure it will clearly spell out the requirements for activation/validity

    • NinjaGamer on 19/10/2025 - 21:56

      Does not seem 100% clear to me. According to someone comment on a old thread one big transaction can activate everyone's travel insurance but when I uploaded the pdf to google ai, gemini said it has to be three separate transaction. So I'm receiving conflicting info. Hopefully someone from the credit card threads should help. I should have probs put the credit card tag,

      • soan papdi on 20/10/2025 - 11:25
        +1

        It's literally one paragraph in the pdf, you don't need AI to summarise it.

        Also can one big single transaction activate me, my wife's and dependants/kid's travel insurance?

        Yes

        Also does my wife/spouse need to be listed as a cardholder?

        No

        https://www.bendigobank.com.au/globalassets/documents/disclo… Page 15 says

        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 or are the holder of a visa issued under the Migration Act 1958 (Cth) which entitles them to residency;
        2. each spouse and/or dependant is travelling with the cardholder for at least 50% of the period of cover available to the cardholder for the cardholder’s overseas journey; and
        3. before leaving Australia at least $500 of each of the spouse and/or dependant’s prepaid travel costs for example, return overseas travel ticket, prepaid overseas accommodation, prepaid cruise, travel or tour, are charged to the accountholder’s card account; and
        4. each of the spouse and/or dependants has a return overseas travel ticket before leaving Australia; and
        5. each spouse and/or dependant is aged under 81 years at the time they each become eligible for the cover available by meeting conditions 1 to 4 listed above.

  • trex on 19/10/2025 - 22:39

    According to Westpac Credit Cards Complimentary Insurance Policy:-

    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
    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.

    Bendigo's T&C appears to be the same.

    • NinjaGamer on 19/10/2025 - 22:51

      Thank you but as said in my reply to the other comment I'm still confused if one big transaction can cover it or if I need 3 separate transaction of $500. I keep receiving conflicting info. I'm hopping something like the flights or car rental activate it due to being thousands of dollars and being more than 1500.

      • trex on 19/10/2025 - 22:55
        +1
        1. 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

        Car rental is in your name so it might not qualify for each of them. Flight tickets definitely would but does it cost at least $500 for each of them? If you want confirmation, you could reach out to the insurer?

        • star-ggg on 20/10/2025 - 00:25

          Accommodation you book for how many people are staying. I assume that would count towards each person's travel cost even though the booking is under one name only. I agree would want to clarify with the CC directly.

      • soan papdi on 20/10/2025 - 11:28
        +1

        You don't need $500 in separate transactions but your total expenditure should come up to $500 per person traveling. Let's say this is husband, wife and one dependent. Then you can spend $1000 total on tickets and $500 total on accommodation (even if this is two separate transactions). Total is $1500 which is $500 per person.

  • sajidmib on 19/10/2025 - 23:33
    -5

    If you really want to cover them for travel, get a new policy from auspost or covermore.

    simples!

  • NinjaGamer on 20/10/2025 - 23:47

    Has anyone got experience in getting complimentary credit card travel insurance?

    • soan papdi on 21/10/2025 - 16:54

      Try this post, has many good suggestions. https://www.ozbargain.com.au/node/929323

      • NinjaGamer on 21/10/2025 - 17:04

        Thank you. Yes I saw your comments. Thank you for your help. Do you know how to claim it once you meet the eligibility? Like do I contact them and they send me a letter of confirmation or something?
        I know I could contact Alliance but I can only seem to find their number and not a email.
        https://travel.agaassistance.com.au/westpac/travel-insurance

        • soan papdi on 21/10/2025 - 18:29

          There's nothing needed to activate the insurance. You contact them if you have a claim to make (e.g. you have medical issues overseas or lose your luggage). There's usually a number to call from overseas.

          • NinjaGamer on 21/10/2025 - 18:47

            @soan papdi: Sounds a bit scary and risky. I'll see if theirs a way for them to send me certificate of insurance. I don't think my wife will happy if theirs no proof

          • NinjaGamer on 21/10/2025 - 18:58
            +1

            @soan papdi: All good just found out that Allianz can send you a letter of confirmation if requested.

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