{"id":99056,"date":"2026-08-27T09:55:22","date_gmt":"2026-08-27T00:25:22","guid":{"rendered":"https:\/\/thechampagnemile.com.au\/deals\/?page_id=99056"},"modified":"2026-11-03T09:51:28","modified_gmt":"2026-11-02T23:21:28","slug":"credit-card-travel-insurance","status":"publish","type":"page","link":"https:\/\/thechampagnemile.com.au\/deals\/guides\/credit-card-travel-insurance\/","title":{"rendered":"Credit Card Travel Insurance: What It Actually Covers"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">If you hold a premium rewards credit card, there&#8217;s a good chance it comes with complimentary travel insurance attached, and for a lot of trips, that cover is genuinely useful. It&#8217;s one of the more underrated perks sitting on a card you might already be paying an annual fee for anyway. But &#8220;complimentary&#8221; doesn&#8217;t mean &#8220;unconditional,&#8221; and knowing exactly what switches your cover on, and where it stops, is worth five minutes before you rely on it for an entire trip.<\/p>\n\n\n\n<p class=\"has-small-font-size wp-block-paragraph\"><em><strong>Affiliate Disclosure: <\/strong>The Champagne Mile may earn a commission via links on this page. You should assess your own financial situation and needs and read all relevant Product Disclosure Statements and Terms and Conditions on the website of each Vendor before making a decision to purchase any service or product we display.<\/em><\/p>\n\n\n\n<!-- TCM Quick Answer card (tcm-qa-), replaces key takeaways -->\n<style>.tcm-qa{border:1px solid #e4e7f0;border-radius:14px;overflow:hidden;background:#fff;margin:0 0 28px;box-shadow:0 2px 10px rgba(10,31,92,.06)}.tcm-qa__head{background:#0a1f5c;color:#fff;padding:12px 20px;display:flex;align-items:center;gap:8px;font-size:13px;font-weight:700;letter-spacing:.08em;text-transform:uppercase}.tcm-qa__head i{color:#b8992e;font-size:18px}.tcm-qa__pick{padding:20px;border-left:4px solid #b8992e;border-bottom:1px solid #eef0f6;display:flex;gap:16px;align-items:center;justify-content:space-between;flex-wrap:wrap}.tcm-qa__body{flex:1 1 280px}.tcm-qa__label{font-size:12px;font-weight:700;color:#b8992e;text-transform:uppercase;letter-spacing:.06em;margin:0 0 4px}.tcm-qa__name{font-size:20px;font-weight:800;color:#0a1f5c;margin:0 0 4px;line-height:1.25}.tcm-qa__why{font-size:15px;color:#3a4256;margin:0;line-height:1.5}.tcm-qa__answer{font-size:16px;color:#1f2740;margin:0;line-height:1.6}.tcm-qa__alts{display:grid;grid-template-columns:1fr 1fr}.tcm-qa__alts--3{grid-template-columns:1fr 1fr 1fr}.tcm-qa__alt{padding:16px 20px;display:flex;flex-direction:column;gap:12px;justify-content:space-between}.tcm-qa__alt+.tcm-qa__alt{border-left:1px solid #eef0f6}.tcm-qa__alt .tcm-qa__name{font-size:16px}.tcm-qa__alt .tcm-qa__why{font-size:14px}.tcm-qa a.tcm-qa__btn{display:inline-block;align-self:flex-start;background:#0a1f5c!important;color:#fff!important;-webkit-text-fill-color:#fff!important;text-decoration:none!important;font-weight:700;font-size:14px;line-height:1.2;padding:11px 18px;border-radius:8px;white-space:nowrap}.tcm-qa a.tcm-qa__btn:hover{background:#b8992e!important}.tcm-qa a.tcm-qa__btn--alt{background:#fff!important;color:#0a1f5c!important;-webkit-text-fill-color:#0a1f5c!important;border:1.5px solid #0a1f5c}.tcm-qa a.tcm-qa__btn--alt:hover{background:#0a1f5c!important;color:#fff!important;-webkit-text-fill-color:#fff!important}@media(max-width:820px){.tcm-qa__alts--3{grid-template-columns:1fr}.tcm-qa__alts--3 .tcm-qa__alt+.tcm-qa__alt{border-left:0;border-top:1px solid #eef0f6}}@media(max-width:640px){.tcm-qa__alts{grid-template-columns:1fr}.tcm-qa__alt+.tcm-qa__alt{border-left:0;border-top:1px solid #eef0f6}.tcm-qa a.tcm-qa__btn{display:block;width:100%;text-align:center;box-sizing:border-box}}<\/style><div class=\"tcm-qa\"><div class=\"tcm-qa__head\"><i class=\"ti ti-bolt\" aria-hidden=\"true\"><\/i>Quick answer<\/div><div class=\"tcm-qa__pick\"><div class=\"tcm-qa__body\"><p class=\"tcm-qa__answer\">Card cover usually only activates if you pay for all or most of the trip with the eligible card. It\u2019s a solid starting point for a straightforward trip, but age caps, limited pregnancy and dependant cover, and adventure exclusions are where a standalone policy earns its place.<\/p><\/div><\/div><div class=\"tcm-qa__alts tcm-qa__alts--3\"><div class=\"tcm-qa__alt\"><div><p class=\"tcm-qa__label\">If age caps rule you out<\/p><p class=\"tcm-qa__name\">AllClear<\/p><p class=\"tcm-qa__why\">No upper age limit, with specialist underwriting for declared conditions.<\/p><\/div><a class=\"tcm-qa__btn tcm-qa__btn--alt\" href=\"https:\/\/thechampagnemile.com.au\/deals\/recommends\/allclear\" target=\"_blank\" rel=\"nofollow sponsored\">Get a quote<\/a><\/div><div class=\"tcm-qa__alt\"><div><p class=\"tcm-qa__label\">If you\u2019re travelling with kids<\/p><p class=\"tcm-qa__name\">Zoom<\/p><p class=\"tcm-qa__why\">Dependent children and grandchildren under 19 travel free.<\/p><\/div><a class=\"tcm-qa__btn tcm-qa__btn--alt\" href=\"https:\/\/thechampagnemile.com.au\/deals\/recommends\/zoom\" target=\"_blank\" rel=\"nofollow sponsored\">Get a quote<\/a><\/div><div class=\"tcm-qa__alt\"><div><p class=\"tcm-qa__label\">For broad standalone cover<\/p><p class=\"tcm-qa__name\">Cover-More<\/p><p class=\"tcm-qa__why\">Mainstream comprehensive cover to age 99, backed by Zurich.<\/p><\/div><a class=\"tcm-qa__btn tcm-qa__btn--alt\" href=\"https:\/\/thechampagnemile.com.au\/deals\/recommends\/covermore\" target=\"_blank\" rel=\"nofollow sponsored\">Get a quote<\/a><\/div><\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\">How Complimentary Credit Card Travel Insurance Works<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Complimentary travel insurance is a genuine benefit bundled into eligible credit cards, not an afterthought. When it&#8217;s active, it typically covers the same broad categories as a standalone policy: overseas medical expenses, emergency evacuation, cancellation costs, and lost or delayed baggage. For a straightforward trip with no unusual circumstances, it can be a legitimately good deal, effectively adding insurance value on top of whatever points or rewards you&#8217;re already earning on the card.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The thing to understand upfront is that this cover isn&#8217;t automatic just because you hold the card. It has to be triggered, and it comes with its own set of terms, conditions and exclusions, the same way any other insurance policy does. Treating it as a genuine policy, rather than a blanket guarantee, is the right way to think about it.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">What You Need to Do to Trigger the Cover<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">This is the part that catches people out more than any other. Most complimentary card policies only activate once you&#8217;ve paid the full cost, or the predominant portion, of your trip using the eligible card. That usually means your return airfares, but the exact requirement varies by card and issuer, so it&#8217;s worth checking your specific product&#8217;s terms rather than assuming.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A few things worth confirming before you travel:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Whether you need to pay for return airfares specifically, or whether other trip costs count toward the activation threshold<\/li>\n\n\n\n<li>Whether there&#8217;s a minimum spend requirement on the card, separate from the trip cost itself, that needs to be met in a set period<\/li>\n\n\n\n<li>Whether all travellers on the booking need to be named cardholders, or whether cover extends to accompanying family members automatically<\/li>\n\n\n\n<li>Whether the card needs to remain open and in good standing for the duration of the trip, not just at the point of booking<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">If you&#8217;ve booked with points, split the payment across multiple cards, or paid with a different card altogether, don&#8217;t assume the cover applies. Check the PDS specifically for the activation clause before you travel.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Where Credit Card Insurance Falls Short<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">None of this is a knock on complimentary cover. It&#8217;s a genuinely good benefit within its scope, but that scope is narrower than a dedicated standalone policy, and it&#8217;s worth knowing where the edges are.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Lower sub-limits.<\/strong> Complimentary policies often cap individual benefit categories, like baggage or rental vehicle excess, well below what a standalone policy would offer. The headline &#8220;unlimited overseas medical&#8221; language you&#8217;ll sometimes see can still sit alongside much lower limits for everything else.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Tighter age caps.<\/strong> Most complimentary policies apply an upper age limit for cover to apply at all, and it&#8217;s typically lower than what specialist standalone insurers offer older travellers.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Narrower pre-existing condition allowances.<\/strong> Where a standalone insurer might individually assess a pre-existing condition, card cover tends to take a blanket approach, excluding a broader range of conditions outright rather than assessing them case by case.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Shorter maximum trip durations.<\/strong> Card cover is generally built around a typical holiday length. Extended trips, particularly anything beyond 90 days, often fall outside what&#8217;s covered, even if you meet every other requirement.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Narrower activity cover.<\/strong> Adventure or higher-risk activities are commonly excluded, or covered with much tighter sub-limits than you&#8217;d get from an insurer that specialises in adventure travel.<\/p>\n\n\n\t\t<div data-elementor-type=\"section\" data-elementor-id=\"102867\" class=\"elementor elementor-102867\" data-elementor-post-type=\"elementor_library\">\n\t\t\t<div class=\"elementor-element elementor-element-3b6c69c7 e-flex e-con-boxed e-con e-parent\" data-id=\"3b6c69c7\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-661a0f04 elementor-widget elementor-widget-html\" data-id=\"661a0f04\" data-element_type=\"widget\" data-e-type=\"widget\" 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.tcm-cc-head{padding:12px 18px 10px!important}\n.tcm-cc-wrap .tcm-cc-title{font-size:16px!important;margin:0 0 2px!important}\n.tcm-cc-wrap .tcm-cc-title i{font-size:17px!important}\n.tcm-cc-wrap .tcm-cc-sub{font-size:12.5px!important}\n.tcm-cc-wrap .tcm-cc-body{max-width:760px!important;padding:14px 18px 14px!important}\n.tcm-cc-wrap .tcm-cc-stepno{font-size:11px!important;margin:0 0 2px!important}\n.tcm-cc-wrap .tcm-cc-qlabel{font-size:15.5px!important;margin:0 0 10px!important}\n.tcm-cc-wrap .tcm-cc-options{gap:6px!important}\n.tcm-cc-wrap button.tcm-cc-option{min-height:42px!important;padding:7px 32px 7px 9px!important;gap:9px!important;font-size:13.5px!important}\n.tcm-cc-wrap button.tcm-cc-option i{width:28px!important;height:28px!important;min-width:28px!important;flex:0 0 28px!important;font-size:15px!important;display:inline-flex!important;align-items:center!important;justify-content:center!important;line-height:1!important;padding:0!important;box-sizing:border-box!important;text-align:center!important}\n.tcm-cc-wrap button.tcm-cc-option i::before{line-height:1!important;display:block!important}\n.tcm-cc-wrap button.tcm-cc-option.selected::after{width:16px!important;height:16px!important;font-size:10px!important}\n.tcm-cc-wrap .tcm-cc-nav{margin-top:8px!important}\n.tcm-cc-wrap .tcm-cc-results{padding:12px 14px!important}\n.tcm-cc-wrap .tcm-cc-result-heading{font-size:16px!important;margin:0 0 2px!important}\n.tcm-cc-wrap .tcm-cc-result-sub{font-size:12.5px!important;margin:0 0 8px!important}\n.tcm-cc-wrap .tcm-cc-chips{gap:5px!important;margin:0 0 10px!important}\n.tcm-cc-wrap .tcm-cc-chip{padding:3px 9px!important;font-size:11.5px!important}\n.tcm-cc-wrap .tcm-cc-cards{gap:8px!important}\n.tcm-cc-wrap .tcm-cc-card{padding:11px 13px!important}\n.tcm-cc-wrap .tcm-cc-card-top-row{margin:0 0 4px!important}\n.tcm-cc-wrap .tcm-cc-card-name{font-size:15px!important}\n.tcm-cc-wrap .tcm-cc-card-why{font-size:13px!important;margin:0 0 8px!important}\n.tcm-cc-wrap .tcm-cc-watch{padding:7px 10px!important;font-size:12.5px!important;margin:0 0 9px!important}\n.tcm-cc-wrap a.tcm-cc-btn{padding:8px 14px!important;font-size:13.5px!important}\n.tcm-cc-wrap .tcm-cc-restart-row{margin-top:10px!important}\n.tcm-cc-wrap .tcm-cc-disclaimer{margin-top:8px!important;font-size:11px!important}\n.tcm-cc-wrap .tcm-cc-step[data-step=\"1\"] .tcm-cc-nav{display:none!important}\n.tcm-cc-wrap button.tcm-cc-back{padding:4px 10px!important;font-size:12.5px!important;min-height:0!important}\n<\/style>\n<div class=\"tcm-cc-wrap\">\n  <div class=\"tcm-cc-head\">\n    <div class=\"tcm-cc-title\"><i class=\"ti ti-credit-card\" aria-hidden=\"true\"><\/i>Credit Card Cover Check<\/div>\n    <div class=\"tcm-cc-sub\">2 quick questions to see where your complimentary cover likely stands.<\/div>\n  <\/div>\n  <div class=\"tcm-cc-progress\"><div class=\"tcm-cc-progress-bar\"><\/div><\/div>\n\n  <div class=\"tcm-cc-body\">\n\n    <div class=\"tcm-cc-step active\" data-step=\"1\">\n      <div class=\"tcm-cc-stepno\">Step 1 of 2<\/div>\n      <div class=\"tcm-cc-qlabel\">How did you pay for this trip?<\/div>\n      <div class=\"tcm-cc-qhint\">Pick the option that best matches how you booked.<\/div>\n      <div class=\"tcm-cc-options\" data-q=\"payment\" data-multi=\"0\" role=\"group\" aria-label=\"How you paid\">\n        <button type=\"button\" class=\"tcm-cc-option\" data-value=\"full\" aria-pressed=\"false\"><i class=\"ti ti-credit-card\" aria-hidden=\"true\"><\/i><span>Paid the full or majority cost on this card<\/span><\/button>\n        <button type=\"button\" class=\"tcm-cc-option\" data-value=\"partial\" aria-pressed=\"false\"><i class=\"ti ti-coins\" aria-hidden=\"true\"><\/i><span>Used points, or only paid part of it on this card<\/span><\/button>\n        <button type=\"button\" class=\"tcm-cc-option\" data-value=\"none\" aria-pressed=\"false\"><i class=\"ti ti-circle-x\" aria-hidden=\"true\"><\/i><span>Didn&rsquo;t use this card for the trip at all<\/span><\/button>\n      <\/div>\n      <div class=\"tcm-cc-qhint tcm-cc-after\">Most credit cards need a minimum spend on the card to switch on the insurance at all, so check this first before anything else.<\/div>\n      <div class=\"tcm-cc-nav\">\n        <button type=\"button\" class=\"tcm-cc-back\" disabled>&larr; Back<\/button>\n      <\/div>\n    <\/div>\n\n    <div class=\"tcm-cc-step\" data-step=\"2\">\n      <div class=\"tcm-cc-stepno\">Step 2 of 2<\/div>\n      <div class=\"tcm-cc-qlabel\">Does anything below apply to your trip?<\/div>\n      <div class=\"tcm-cc-qhint\">Select all that apply, then continue.<\/div>\n      <div class=\"tcm-cc-options\" data-q=\"factors\" data-multi=\"1\" role=\"group\" aria-label=\"Trip factors\">\n        <button type=\"button\" class=\"tcm-cc-option\" data-value=\"family\" aria-pressed=\"false\"><i class=\"ti ti-users-group\" aria-hidden=\"true\"><\/i><span>Travelling with kids or grandkids<\/span><\/button>\n        <button type=\"button\" class=\"tcm-cc-option\" data-value=\"pregnant\" aria-pressed=\"false\"><i class=\"ti ti-baby-carriage\" aria-hidden=\"true\"><\/i><span>Travelling while pregnant<\/span><\/button>\n        <button type=\"button\" class=\"tcm-cc-option\" data-value=\"senior\" aria-pressed=\"false\"><i class=\"ti ti-heart-handshake\" aria-hidden=\"true\"><\/i><span>Travelling with an older family member<\/span><\/button>\n        <button type=\"button\" class=\"tcm-cc-option\" data-value=\"activity\" aria-pressed=\"false\"><i class=\"ti ti-mountain\" aria-hidden=\"true\"><\/i><span>Doing adventure or high-risk activities<\/span><\/button>\n        <button type=\"button\" class=\"tcm-cc-option\" data-value=\"pec\" aria-pressed=\"false\"><i class=\"ti ti-heartbeat\" aria-hidden=\"true\"><\/i><span>Have a pre-existing medical condition<\/span><\/button>\n        <button type=\"button\" class=\"tcm-cc-option\" data-value=\"none\" aria-pressed=\"false\"><i class=\"ti ti-circle-check\" aria-hidden=\"true\"><\/i><span>None of these apply<\/span><\/button>\n      <\/div>\n      <div class=\"tcm-cc-nav\">\n        <button type=\"button\" class=\"tcm-cc-back\">&larr; Back<\/button>\n        <button type=\"button\" class=\"tcm-cc-next\" disabled>See my results &rarr;<\/button>\n      <\/div>\n    <\/div>\n\n    <div class=\"tcm-cc-results\" tabindex=\"-1\" aria-live=\"polite\">\n      <div class=\"tcm-cc-result-heading\">Where your cover likely stands<\/div>\n      <div class=\"tcm-cc-result-sub\">Always confirm the specifics in your card&rsquo;s PDS before you travel.<\/div>\n      <div class=\"tcm-cc-cards\"><\/div>\n      <div class=\"tcm-cc-restart-row\"><button type=\"button\" class=\"tcm-cc-restart\">Start over<\/button><\/div>\n      <div class=\"tcm-cc-disclaimer\">This tool gives general guidance only and isn&rsquo;t personal financial advice. Card insurance terms vary by issuer and product, so always read the PDS before relying on complimentary cover.<\/div>\n    <\/div>\n\n  <\/div>\n<\/div>\n\n<script>\n(function () {\n  var wrap = document.currentScript ? document.currentScript.previousElementSibling : null;\n  if (!wrap || !wrap.classList || !wrap.classList.contains('tcm-cc-wrap')) wrap = document.querySelector('.tcm-cc-wrap');\n  if (!wrap || wrap.getAttribute('data-ready')) return;\n  wrap.setAttribute('data-ready', '1');\n  var steps = wrap.querySelectorAll('.tcm-cc-step');\n  var progress = wrap.querySelector('.tcm-cc-progress-bar');\n  var resultsEl = wrap.querySelector('.tcm-cc-results');\n  var cardsEl = wrap.querySelector('.tcm-cc-cards');\n  var nextBtn = wrap.querySelector('.tcm-cc-next');\n  var answers = { payment: null, factors: [] };\n\n  function setBar(p) { progress.style.setProperty('width', p + '%', 'important'); }\n  function showStep(n) {\n    steps.forEach(function (s) { s.classList.toggle('active', parseInt(s.getAttribute('data-step'), 10) === n); });\n    resultsEl.classList.remove('active');\n    setBar(n \/ 2 * 100);\n  }\n  function press(o, on) {\n    o.classList.toggle('selected', on);\n    o.setAttribute('aria-pressed', on ? 'true' : 'false');\n  }\n\n  var step1 = wrap.querySelector('[data-step=\"1\"]');\n  var step1Options = step1.querySelectorAll('.tcm-cc-option');\n  step1Options.forEach(function (opt) {\n    opt.addEventListener('click', function () {\n      step1Options.forEach(function (o) { press(o, false); });\n      press(opt, true);\n      answers.payment = opt.getAttribute('data-value');\n      setTimeout(function () { if (answers.payment === 'none') renderResults(); else showStep(2); }, 200);\n    });\n  });\n\n  var step2 = wrap.querySelector('[data-step=\"2\"]');\n  var step2Options = step2.querySelectorAll('.tcm-cc-option');\n  step2Options.forEach(function (opt) {\n    opt.addEventListener('click', function () {\n      var val = opt.getAttribute('data-value');\n      if (val === 'none') {\n        step2Options.forEach(function (o) { press(o, false); });\n        press(opt, true);\n        answers.factors = ['none'];\n      } else {\n        press(step2.querySelector('[data-value=\"none\"]'), false);\n        press(opt, !opt.classList.contains('selected'));\n        answers.factors = Array.prototype.filter.call(step2Options, function (o) { return o.classList.contains('selected'); })\n          .map(function (o) { return o.getAttribute('data-value'); });\n      }\n      nextBtn.disabled = answers.factors.length === 0;\n    });\n  });\n  step2.querySelector('.tcm-cc-back').addEventListener('click', function () { showStep(1); });\n  nextBtn.addEventListener('click', function () { renderResults(); });\n\n  wrap.querySelector('.tcm-cc-restart').addEventListener('click', function () {\n    answers = { payment: null, factors: [] };\n    wrap.querySelectorAll('.tcm-cc-option').forEach(function (o) { press(o, false); });\n    nextBtn.disabled = true;\n    showStep(1);\n  });\n\n  var gapInfo = {\n    family: {\n      title: 'Travelling with kids or grandkids',\n      body: 'Complimentary card cover is built for the cardholder first, and dependant cover can be narrower or entirely absent depending on the card. Worth checking whether your family is genuinely all covered, or just you.',\n      cta: 'See our family travel insurance guide',\n      url: 'https:\/\/thechampagnemile.com.au\/deals\/guides\/best-travel-insurance-for-families\/'\n    },\n    pregnant: {\n      title: 'Travelling while pregnant',\n      body: 'Pregnancy cover on complimentary card policies tends to be limited or unclear, especially for anything beyond routine, uncomplicated travel. It\\u2019s worth checking gestation limits and complication cover specifically.',\n      cta: 'See our pregnancy travel insurance guide',\n      url: 'https:\/\/thechampagnemile.com.au\/deals\/guides\/best-travel-insurance-for-pregnant-travellers\/'\n    },\n    senior: {\n      title: 'Travelling with an older family member',\n      body: 'Most complimentary card policies apply an upper age limit, and cover for older travellers can drop off or disappear entirely past a certain point. Worth checking this before you assume everyone\\u2019s covered.',\n      cta: 'See our seniors travel insurance guide',\n      url: 'https:\/\/thechampagnemile.com.au\/deals\/guides\/best-travel-insurance-for-seniors-in-australia\/'\n    },\n    activity: {\n      title: 'Doing adventure or high-risk activities',\n      body: 'Adventure activities are one of the most commonly excluded categories on complimentary card policies, or covered with tighter sub-limits than a standalone policy would offer.',\n      cta: 'See our adventure sports travel insurance guide',\n      url: 'https:\/\/thechampagnemile.com.au\/deals\/guides\/travel-insurance-for-adventure-sports\/'\n    },\n    pec: {\n      title: 'Pre-existing medical condition',\n      body: 'Card cover generally has narrower pre-existing condition allowances than a dedicated policy, and some conditions may be excluded outright rather than assessed individually.',\n      cta: 'See our pre-existing conditions guide',\n      url: 'https:\/\/thechampagnemile.com.au\/deals\/guides\/travel-insurance-pre-existing-medical-conditions\/'\n    }\n  };\n\n  function card(cls, title, body, info) {\n    var c = document.createElement('div');\n    c.className = 'tcm-cc-card ' + cls;\n    c.innerHTML = '<div class=\"tcm-cc-card-title\">' + title + '<\/div><div class=\"tcm-cc-card-body\">' + body + '<\/div>' +\n      (info ? '<a class=\"tcm-cta-btn tcm-cc-btn\" href=\"' + info.url + '\" target=\"_blank\" rel=\"noopener\">' + info.cta + ' &rarr;<\/a>' : '');\n    cardsEl.appendChild(c);\n  }\n\n  function renderResults() {\n    cardsEl.innerHTML = '';\n    if (answers.payment === 'none') {\n      card('tcm-cc-warn', 'You\\u2019re very likely not covered by this card', 'Most credit cards require you to spend a minimum amount on the card, usually by paying for your flights or a set portion of the trip cost, before the complimentary insurance switches on at all. If you didn\\u2019t use this card for the trip, check your card\\u2019s terms before assuming any cover applies. If you\\u2019re not covered, a standalone policy is worth pricing up properly rather than travelling with no cover at all.');\n    } else {\n      if (answers.payment !== 'full') {\n        card('tcm-cc-warn', 'Your cover may not have activated', 'Most complimentary card policies only switch on once you\\u2019ve paid the full or predominant portion of your trip cost on the eligible card. If you booked with points, a split payment, or a different card, it\\u2019s worth double-checking your activation terms before you assume you\\u2019re covered at all.');\n      }\n      var factors = answers.factors.filter(function (f) { return f !== 'none'; });\n      factors.forEach(function (key) {\n        var info = gapInfo[key];\n        if (info) card('tcm-cc-gap', info.title, info.body, info);\n      });\n      if (answers.payment === 'full' && factors.length === 0) {\n        card('tcm-cc-good', 'A reasonable starting point', 'For a standard trip with none of the factors above, complimentary card cover is often a genuinely useful benefit. Still worth a quick read of the PDS for medical sub-limits and cancellation caps, since these are usually lower than a standalone policy.');\n      }\n    }\n    steps.forEach(function (s) { s.classList.remove('active'); });\n    resultsEl.classList.add('active');\n    setBar(100);\n    try { resultsEl.focus({ preventScroll: true }); } catch (e) {}\n  }\n})();\n<\/script>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\n\n\n\n<style>\n  \/* Colour tokens: change these to re-theme the whole block *\/\n  .tcm-sp {\n    --sp-bg: #ffffff;\n    --sp-border: #e7dcbc;\n    --sp-accent-bar: #b8992e;\n    --sp-panel: #f8f3e3;\n    --sp-ink: #0a1f5c;\n    --sp-ink-soft: #4a5578;\n    --sp-figure: #7a6212;\n    --sp-rule: #e2d4a8;\n    --sp-btn-bg: #0a1f5c;\n    --sp-btn-text: #ffffff;\n    --sp-focus: #b8992e;\n\n    box-sizing: border-box;\n    margin: 28px 0 !important;\n    padding: 26px 28px 24px !important;\n    background: var(--sp-bg) !important;\n    border: 1px solid var(--sp-border);\n    border-top: 4px solid var(--sp-accent-bar);\n    border-radius: 14px;\n    color: var(--sp-ink);\n    font-size: 15px;\n    line-height: 1.5;\n    box-shadow: 0 6px 18px rgba(10, 31, 92, 0.07);\n  }\n  .tcm-sp *, .tcm-sp *::before, .tcm-sp *::after { box-sizing: border-box; }\n\n  \/* Header: logo + headline *\/\n  .tcm-sp__head { display: flex; align-items: center; gap: 20px; }\n  .tcm-sp__logo {\n    flex: 0 0 136px;\n    height: 72px;\n    background: #fff;\n    border: 1px solid var(--sp-border);\n    border-radius: 10px;\n    display: flex;\n    align-items: center;\n    justify-content: center;\n    padding: 8px 12px;\n  }\n  .tcm-sp__logo img {\n    display: block;\n    width: 100% !important;\n    height: 100% !important;\n    max-width: 100% !important;\n    object-fit: contain;\n    margin: 0 !important;\n    border: 0 !important;\n    box-shadow: none !important;\n  }\n  .tcm-sp__logo--photo { padding: 0 !important; overflow: hidden; }\n  .tcm-sp__logo--photo img { object-fit: cover !important; }\n  .tcm-sp__intro { min-width: 0; }\n  .tcm-sp p.tcm-sp__tag {\n    margin: 0 0 6px !important;\n    padding: 0 !important;\n    font-size: 13px !important;\n    line-height: 1.4 !important;\n    color: var(--sp-ink-soft) !important;\n  }\n  .tcm-sp__tag span {\n    color: var(--sp-figure);\n    font-weight: 700;\n    margin-right: 6px;\n    padding-right: 8px;\n    border-right: 1px solid var(--sp-rule);\n  }\n  .tcm-sp h3.tcm-sp__title {\n    margin: 0 !important;\n    padding: 0 !important;\n    font-size: 22px !important;\n    line-height: 1.25 !important;\n    font-weight: 700 !important;\n    color: var(--sp-ink) !important;\n    letter-spacing: -0.01em;\n  }\n\n  \/* Perks ledger *\/\n  .tcm-sp ul.tcm-sp__perks {\n    list-style: none !important;\n    display: grid;\n    grid-template-columns: repeat(3, 1fr);\n    margin: 22px 0 !important;\n    padding: 0 !important;\n    background: var(--sp-panel);\n    border-radius: 10px;\n  }\n  .tcm-sp ul.tcm-sp__perks li {\n    list-style: none !important;\n    margin: 0 !important;\n    padding: 16px 18px !important;\n    border-left: 1px solid var(--sp-rule);\n  }\n  .tcm-sp ul.tcm-sp__perks li::before,\n  .tcm-sp ul.tcm-sp__perks li::marker { content: none !important; display: none !important; }\n  .tcm-sp ul.tcm-sp__perks li:first-child { border-left: 0; }\n  .tcm-sp__perks strong {\n    display: block;\n    font-size: 26px;\n    line-height: 1.1;\n    font-weight: 800;\n    color: var(--sp-figure) !important;\n    margin-bottom: 4px;\n  }\n  .tcm-sp__perks span {\n    display: block;\n    font-size: 13.5px;\n    line-height: 1.45;\n    color: var(--sp-ink-soft);\n  }\n\n  \/* Footer: buttons *\/\n  .tcm-sp__foot { display: flex; align-items: center; flex-wrap: wrap; gap: 12px; }\n\n  html body .tcm-sp a.tcm-sp__btn,\n  html body .tcm-sp a.tcm-sp__btn:link,\n  html body .tcm-sp a.tcm-sp__btn:visited,\n  html body .tcm-sp a.tcm-sp__btn:hover,\n  html body .tcm-sp a.tcm-sp__btn:focus,\n  html body .tcm-sp a.tcm-sp__btn:active {\n    display: inline-block;\n    background: var(--sp-btn-bg) !important;\n    background-image: none !important;\n    color: var(--sp-btn-text) !important;\n    -webkit-text-fill-color: var(--sp-btn-text) !important;\n    font-size: 15px !important;\n    font-weight: 700 !important;\n    line-height: 1.2 !important;\n    padding: 13px 24px !important;\n    border: 1px solid var(--sp-btn-bg) !important;\n    border-radius: 8px;\n    text-decoration: none !important;\n    text-shadow: none !important;\n    box-shadow: none !important;\n  }\n  html body .tcm-sp a.tcm-sp__btn:hover { filter: brightness(1.35); }\n\n  html body .tcm-sp a.tcm-sp__btn-alt,\n  html body .tcm-sp a.tcm-sp__btn-alt:link,\n  html body .tcm-sp a.tcm-sp__btn-alt:visited,\n  html body .tcm-sp a.tcm-sp__btn-alt:hover,\n  html body .tcm-sp a.tcm-sp__btn-alt:focus,\n  html body .tcm-sp a.tcm-sp__btn-alt:active {\n    display: inline-block;\n    background: transparent !important;\n    background-image: none !important;\n    color: var(--sp-ink) !important;\n    -webkit-text-fill-color: var(--sp-ink) !important;\n    font-size: 15px !important;\n    font-weight: 600 !important;\n    line-height: 1.2 !important;\n    padding: 13px 22px !important;\n    border: 1px solid var(--sp-ink) !important;\n    border-radius: 8px;\n    text-decoration: none !important;\n    text-shadow: none !important;\n    box-shadow: none !important;\n  }\n  html body .tcm-sp a.tcm-sp__btn-alt:hover { background: var(--sp-panel) !important; }\n\n  html body .tcm-sp a.tcm-sp__btn span,\n  html body .tcm-sp a.tcm-sp__btn-alt span { text-decoration: none !important; }\n  html body .tcm-sp a.tcm-sp__btn:focus-visible,\n  html body .tcm-sp a.tcm-sp__btn-alt:focus-visible { outline: 3px solid var(--sp-focus) !important; outline-offset: 3px; }\n\n  \/* Tablet and mobile *\/\n  @media (max-width: 640px) {\n    .tcm-sp { padding: 22px 18px 20px !important; }\n    .tcm-sp__head { flex-direction: column; align-items: flex-start; gap: 14px; }\n    .tcm-sp__logo { flex-basis: auto; width: 128px; height: 66px; }\n    .tcm-sp h3.tcm-sp__title { font-size: 20px !important; }\n    .tcm-sp ul.tcm-sp__perks { grid-template-columns: 1fr; }\n    .tcm-sp ul.tcm-sp__perks li {\n      display: flex;\n      align-items: baseline;\n      gap: 14px;\n      padding: 12px 16px !important;\n      border-left: 0;\n      border-top: 1px solid var(--sp-rule);\n    }\n    .tcm-sp ul.tcm-sp__perks li:first-child { border-top: 0; }\n    .tcm-sp__perks strong { flex: 0 0 122px; font-size: 22px; margin: 0; }\n    .tcm-sp__foot { flex-direction: column; align-items: stretch; }\n    html body .tcm-sp a.tcm-sp__btn,\n    html body .tcm-sp a.tcm-sp__btn-alt { text-align: center; }\n  }\n<\/style>\n<div class=\"tcm-sp\">\n  <div class=\"tcm-sp__head\">\n    <div class=\"tcm-sp__logo\">\n      <img decoding=\"async\" src=\"https:\/\/thechampagnemile.com.au\/deals\/wp-content\/uploads\/2024\/11\/covermore-promo-code-logo-4.png\" alt=\"Cover-More Travel Insurance logo\" loading=\"lazy\">\n    <\/div>\n    <div class=\"tcm-sp__intro\">\n      <p class=\"tcm-sp__tag\"><span>TCM Spotlight<\/span> Standalone cover for when your card falls short<\/p>\n      <h3 class=\"tcm-sp__title\">Fill the gaps your card\u2019s free cover leaves<\/h3>\n    <\/div>\n  <\/div>\n\n  <ul class=\"tcm-sp__perks\">\n    <li>\n      <strong>To 99<\/strong>\n      <span>Comprehensive cover up to age 99<\/span>\n    <\/li>\n    <li>\n      <strong>Your call<\/strong>\n      <span>Choose your own cancellation cover amount<\/span>\n    <\/li>\n    <li>\n      <strong>Add-ons<\/strong>\n      <span>Add snow sports or cruise cover when your trip needs it<\/span>\n    <\/li>\n  <\/ul>\n\n  <div class=\"tcm-sp__foot\">\n    <a class=\"tcm-sp__btn\" href=\"https:\/\/thechampagnemile.com.au\/deals\/recommends\/covermore\" rel=\"nofollow sponsored\" target=\"_blank\" style=\"background:#0a1f5c !important;color:#ffffff !important;-webkit-text-fill-color:#ffffff !important;text-decoration:none !important;\"><span style=\"color:#ffffff !important;-webkit-text-fill-color:#ffffff !important;\">Get a Cover-More quote<\/span><\/a>\n  <\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\">When You Won&#8217;t Be Covered at All<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Beyond the general shortfalls above, there are specific scenarios where complimentary cover simply doesn&#8217;t apply, regardless of how good the card&#8217;s benefits otherwise are:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>You didn&#8217;t meet the activation requirement.<\/strong> If you didn&#8217;t pay the qualifying portion of your trip on the card, or didn&#8217;t meet a minimum spend threshold, cover generally doesn&#8217;t apply at all, not even partially.<\/li>\n\n\n\n<li><strong>One-way tickets.<\/strong> Some complimentary policies specifically require a return ticket to be purchased on the card, which can leave one-way itineraries uncovered.<\/li>\n\n\n\n<li><strong>Points-only or predominantly points bookings.<\/strong> If you redeemed points rather than paying cash for your flights, this can fall outside the activation requirement depending on the card.<\/li>\n\n\n\n<li><strong>The card is cancelled or downgraded mid-trip.<\/strong> Cover is generally tied to the card remaining open and active, not just active at the time of booking.<\/li>\n\n\n\n<li><strong>You&#8217;re travelling beyond the age limit.<\/strong> Once a traveller exceeds the policy&#8217;s age cap, cover typically doesn&#8217;t apply to them at all, even if the rest of the group is covered.<\/li>\n\n\n\n<li><strong>The activity falls under a specific exclusion.<\/strong> Certain adventure or high-risk activities can be excluded entirely, not just capped at a lower limit.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">None of these are unusual or unfair conditions by insurance standards, they&#8217;re just easy to miss if you assume the card&#8217;s insurance works the same way every time, for every trip.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">What About Rental Car Excess Cover?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Separate from the trip cancellation and medical benefits, a lot of premium cards also bundle complimentary rental vehicle excess cover, and it&#8217;s worth understanding on its own terms since it works a little differently to the rest of the policy. Instead of paying the rental company&#8217;s excess out of pocket if the hire car is damaged or stolen, the card reimburses that excess for you, up to the policy&#8217;s limit.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Like the rest of the cover, this benefit generally needs to be triggered, usually by paying for the entire rental cost on the eligible card. If you paid a deposit on one card and the balance on another, or booked through a third party without the full amount going through the card, the cover may not apply.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A few things worth checking before you rely on it:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Whether certain vehicle categories are excluded, such as 4WDs, vans, motorhomes or motorcycles<\/li>\n\n\n\n<li>Whether cover applies in every country you&#8217;re driving in, since some cards restrict cover to specific regions<\/li>\n\n\n\n<li>Whether the reimbursement cap is high enough to cover the rental company&#8217;s actual excess, since some hire companies set theirs higher than the card&#8217;s limit<\/li>\n\n\n\n<li>Whether you still need to decline or accept the rental company&#8217;s own excess reduction product at the counter, since some cards require you to decline it for the cover to apply, which can catch travellers off guard if they&#8217;re not expecting it<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">This is a genuinely useful benefit when it lines up with your trip, but it&#8217;s worth confirming the specifics rather than assuming it covers whatever excess the rental company quotes you.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Amex, Qantas &amp; Velocity Cards for Frequent Flyers<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">For frequent flyers who already hold a premium card for the points, the complimentary insurance is a genuine bonus on top of the earn rate, and worth factoring into how you think about the card&#8217;s overall value.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Many premium<a href=\"https:\/\/thechampagnemile.com.au\/amex-membership-rewards-credit-cards\/\"> American Express cards<\/a> bundle complimentary travel insurance alongside the points earn rate and other travel perks, which is worth understanding in full if you&#8217;re weighing up a card&#8217;s annual fee against what you get back. The same applies to <a href=\"https:\/\/thechampagnemile.com.au\/qantas-frequent-flyer-credit-cards\/\">Qantas <\/a>and <a href=\"https:\/\/thechampagnemile.com.au\/velocity-frequent-flyer-credit-cards\/\">Velocity <\/a>co-branded cards: the insurance sits alongside the points earning and any travel credits, and it&#8217;s worth checking the specific terms rather than assuming it mirrors a standalone Qantas or Velocity travel insurance product. For a full breakdown of what individual cards offer beyond the insurance itself, our <a href=\"https:\/\/thechampagnemile.com.au\/credit-cards\/\">credit card pages<\/a> cover the points, perks and eligibility criteria in more detail.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">When It&#8217;s Worth Adding Standalone Cover<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Complimentary card cover is a solid starting point for a straightforward trip, but there are specific situations where it&#8217;s worth layering a standalone policy on top rather than relying on the card alone:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Travelling with kids or grandkids.<\/strong> Dependant cover on complimentary policies can be narrower than you&#8217;d expect. Our <a href=\"https:\/\/thechampagnemile.com.au\/deals\/guides\/best-travel-insurance-for-families\/\">family travel insurance guide<\/a> covers what to look for.<\/li>\n\n\n\n<li><strong>Travelling while pregnant.<\/strong> Gestation limits and complication cover on card policies tend to be limited or unclear. Our <a href=\"https:\/\/thechampagnemile.com.au\/deals\/guides\/best-travel-insurance-for-pregnant-travellers\/\">pregnancy travel insurance guide<\/a> breaks down how different insurers handle it.<\/li>\n\n\n\n<li><strong>Travelling with an older family member.<\/strong> Age caps on card cover can leave older travellers unprotected entirely. Our <a href=\"https:\/\/thechampagnemile.com.au\/deals\/guides\/best-travel-insurance-for-seniors-in-australia\/\">seniors travel insurance guide<\/a> covers the specialist options.<\/li>\n\n\n\n<li><strong>Doing adventure or high-risk activities.<\/strong> Card cover often excludes these outright. Our <a href=\"https:\/\/thechampagnemile.com.au\/deals\/guides\/travel-insurance-for-adventure-sports\/\">adventure sports travel insurance guide<\/a> covers insurers that actually cater for it.<\/li>\n\n\n\n<li><strong>Managing a pre-existing medical condition.<\/strong> Card cover tends to take a broader exclusion approach than a specialist assessment. Our <a href=\"https:\/\/thechampagnemile.com.au\/deals\/guides\/travel-insurance-pre-existing-medical-conditions\/\">pre-existing conditions guide<\/a> covers what actually gets assessed and how.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">The two aren&#8217;t mutually exclusive. For a lot of travellers, the smartest approach is using the card&#8217;s complimentary cover as a baseline and topping up with a standalone policy specifically for the areas where the card falls short, rather than choosing one over the other entirely.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Current offers from these insurers<\/h3>\n\n\n\n<div class=\"wp-block-rehub-deal-coupon-list rhpb-deal-coupon-grid rhpb-9c8a645b-c1f9-44fe-9336-bd5883c051c1\">\t\t<div class=\"woo_offer_list \" data-filterargs='{\"post_type\":\"post\",\"posts_per_page\":12,\"order\":\"desc\",\"tag__in\":[\"999\"],\"orderby\":\"date\",\"no_found_rows\":1,\"ignore_sticky_posts\":1}' data-template=\"postlistpart\" id=\"rh_filterid_1691441839\" data-innerargs='{\"aff_link\":\"\"}'>\r\n\t\t\r\n\t\t\t\r\n\t\t\t<div class=\"rh_offer_list  defdealtype\"> \r\n             \r\n    <div class=\"rh_grid_image_3_col\">\r\n        <div class=\"rh_gr_img_first offer_thumb\"> \r\n            <div class=\"border-grey deal_img_wrap position-relative text-center width-100\"> \r\n            <div class=\"favorrightside wishonimage\"><\/div>      \r\n            <a title=\"Southern Cross Travel Insurance: Big Family Trip, Small Premium\" href=\"https:\/\/thechampagnemile.com.au\/deals\/southern-cross-travel-insurance-big-family-trip-small-premium\/\"   class=\"re_track_btn\">\r\n                          \r\n                <img decoding=\"async\" class=\"nolazyftheme\" src=\"https:\/\/thechampagnemile.com.au\/deals\/wp-content\/uploads\/thumbs_dir\/southern-cross-travel-insurance-promo-codes-feature-image-4-rrrw9xiig46ivk6ppo74vc7crqpi2gmxvalzhxfrdk.jpg\" height=\"92\" alt=\"Southern Cross Travel Insurance: Big Family Trip, Small Premium\" \/>                        <\/a>\r\n            <div class=\" defdealtype_deal_string deal_string border-top font70 lineheight25 text-center upper-text-trans\">Deal<\/div>\r\n            <\/div>\r\n\r\n        <\/div>\r\n        <div class=\"rh_gr_top_middle\"> \r\n            <div class=\"woo_list_desc\">\r\n                <div class=\"woolist_meta mb10\">\r\n                                            <span class=\"date_ago mr5\">\r\n                            <i class=\"rhicon rhi-clock\"><\/i> \r\n                                                            1 week ago                                                    <\/span>\r\n                    \r\n                       \r\n                                          \r\n                <\/div>                        \r\n                <h3 class=\"font110 mb10 mt0 moblineheight20 \"><a href=\"https:\/\/thechampagnemile.com.au\/deals\/southern-cross-travel-insurance-big-family-trip-small-premium\/\"   class=\"re_track_btn\">Southern Cross Travel Insurance: Big Family Trip, Small Premium<\/a><\/h2>\r\n                \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\n\t\t \n\t\t\t\t    \t\t\t\n\t                 \r\n                                                 \r\n                <div class=\"clearfix\"><\/div>                                                                                         \r\n            <\/div>               \r\n        <\/div>\r\n        <div class=\"rh_gr_middle_desc font80 lineheight15\">\r\n            \nAward-winning cover trusted by over 6 million travellers, with free cover for dependent kids and a policy for every budget.\n        <\/div>  \r\n        \n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\"><\/div>\n        <div class=\"rh_gr_btn_block\">\r\n            \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\n\t\t \n\t\t\t\t\t        <div class=\"priced_block clearfix  mobile_block_btnclock mb0\">\n\t              \t        \t\n\t            \t    \t\t\t    \t\t\t<span class=\"rh_button_wrapper\">\n\t\t            \t<a href=\"https:\/\/thechampagnemile.com.au\/deals\/recommends\/scti\" class=\"btn_offer_block re_track_btn\" target=\"_blank\" rel=\"nofollow sponsored\">\n\t\t\t            \t\t\t            \tget quote\t\t\t            \t\t\t            \t\t            <\/a>\n\t\t        \t<\/span>\n\t            \t\n\t\t    \t\t\t\t\t\t\t\t    \t\t\n\t\t        \t            \t        \n\t        <\/div>\n            \t    \t\t    \t\t\t\n\t        <\/div>        \r\n    <\/div>\r\n        \r\n<\/div>\t\t\t\r\n\t\t\t<div class=\"rh_offer_list  coupontype\"> \r\n             \r\n    <div class=\"rh_grid_image_3_col\">\r\n        <div class=\"rh_gr_img_first offer_thumb\"> \r\n            <div class=\"border-grey deal_img_wrap position-relative text-center width-100\"> \r\n            <div class=\"favorrightside wishonimage\"><\/div>      \r\n            <a title=\"CoverMore: Save 15% on your next policy.\" href=\"https:\/\/thechampagnemile.com.au\/deals\/covermore-save-15-on-your-next-policy\/\"   class=\"re_track_btn\">\r\n                          \r\n                <img decoding=\"async\" class=\"nolazyftheme\" src=\"https:\/\/thechampagnemile.com.au\/deals\/wp-content\/uploads\/thumbs_dir\/covermore-promo-code-logo-4-rp859idy2pinmraudcpy1yq73h6cgjg959awp24yfs.png\" height=\"92\" alt=\"CoverMore: Save 15% on your next policy.\" \/>                        <\/a>\r\n            <div class=\" coupontype_deal_string deal_string border-top font70 lineheight25 text-center upper-text-trans\">Coupon<\/div>\r\n            <\/div>\r\n\r\n        <\/div>\r\n        <div class=\"rh_gr_top_middle\"> \r\n            <div class=\"woo_list_desc\">\r\n                <div class=\"woolist_meta mb10\">\r\n                                            <span class=\"date_ago mr5\">\r\n                            <i class=\"rhicon rhi-clock\"><\/i> \r\n                                                            1 week ago                                                    <\/span>\r\n                    \r\n                       \r\n                                          \r\n                <\/div>                        \r\n                <h3 class=\"font110 mb10 mt0 moblineheight20 \"><a href=\"https:\/\/thechampagnemile.com.au\/deals\/covermore-save-15-on-your-next-policy\/\"   class=\"re_track_btn\">CoverMore: Save 15% on your next policy.<\/a><\/h2>\r\n                \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\n\t\t \n\t\t\t\t    \t\t\t\n\t                 \r\n                                                 \r\n                <div class=\"clearfix\"><\/div>                                                                                         \r\n            <\/div>               \r\n        <\/div>\r\n        <div class=\"rh_gr_middle_desc font80 lineheight15\">\r\n            \nGet great cover and greater value. Save 15% on travel insurance with our promo code. T&amp;Cs apply.\n        <\/div>  \r\n        \n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\"><\/div>\n        <div class=\"rh_gr_btn_block\">\r\n            \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\n\t\t \n\t\t\t\t\t        <div class=\"priced_block clearfix  reveal_enabled mobile_block_btnclock mb0\">\n\t              \t        \t\n\t            \t    \t\t\t    \t\t\t<span class=\"rh_button_wrapper\">\n\t\t            \t<a href=\"https:\/\/thechampagnemile.com.au\/deals\/recommends\/covermore\" class=\"btn_offer_block re_track_btn\" target=\"_blank\" rel=\"nofollow sponsored\">\n\t\t\t            \t\t\t            \tget discount\t\t\t            \t\t\t            \t\t            <\/a>\n\t\t        \t<\/span>\n\t            \t\n\t\t    \t\t\t    \t\t\t\t\t    \t\t<div class=\"post_offer_anons\">\n\t\t\t    \t\t\t\t\t                \t<span class=\"coupon_btn re_track_btn btn_offer_block rehub_offer_coupon masked_coupon \" data-clipboard-text=\"MORE15\" data-codeid=\"96018\" data-dest=\"https:\/\/thechampagnemile.com.au\/deals\/recommends\/covermore\">\n\t\t                \t\t\t\t\t            \t\t\tget discount\t\t                \t\t\t\t                \t<\/span>\n\t\t            \t<\/div>\n\t            \t\t\t    \t\t            \t        \n\t        <\/div>\n            \t    \t\t    \t\t\t\n\t        <\/div>        \r\n    <\/div>\r\n        \r\n<\/div>\t\t\t\r\n\t\t\t<div class=\"rh_offer_list  defdealtype\"> \r\n             \r\n    <div class=\"rh_grid_image_3_col\">\r\n        <div class=\"rh_gr_img_first offer_thumb\"> \r\n            <div class=\"border-grey deal_img_wrap position-relative text-center width-100\"> \r\n            <div class=\"favorrightside wishonimage\"><\/div>      \r\n            <a title=\"Travel insurance made simple with Fast Cover\" href=\"https:\/\/thechampagnemile.com.au\/deals\/travel-insurance-made-simple-with-fast-cover\/\"   class=\"re_track_btn\">\r\n                          \r\n                <img decoding=\"async\" class=\"nolazyftheme\" src=\"https:\/\/thechampagnemile.com.au\/deals\/wp-content\/uploads\/thumbs_dir\/fast-cover-promo-code-logo-4-rp8551njm1emhfsbfx8qpladil6kwaq5j5qvmqr9zs.png\" height=\"92\" alt=\"Travel insurance made simple with Fast Cover\" \/>                        <\/a>\r\n            <div class=\" defdealtype_deal_string deal_string border-top font70 lineheight25 text-center upper-text-trans\">Deal<\/div>\r\n            <\/div>\r\n\r\n        <\/div>\r\n        <div class=\"rh_gr_top_middle\"> \r\n            <div class=\"woo_list_desc\">\r\n                <div class=\"woolist_meta mb10\">\r\n                                            <span class=\"date_ago mr5\">\r\n                            <i class=\"rhicon rhi-clock\"><\/i> \r\n                                                            1 week ago                                                    <\/span>\r\n                    \r\n                       \r\n                                          \r\n                <\/div>                        \r\n                <h3 class=\"font110 mb10 mt0 moblineheight20 \"><a href=\"https:\/\/thechampagnemile.com.au\/deals\/travel-insurance-made-simple-with-fast-cover\/\"   class=\"re_track_btn\">Travel insurance made simple with Fast Cover<\/a><\/h2>\r\n                \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\n\t\t \n\t\t\t\t    \t\t\t\n\t                 \r\n                                                 \r\n                <div class=\"clearfix\"><\/div>                                                                                         \r\n            <\/div>               \r\n        <\/div>\r\n        <div class=\"rh_gr_middle_desc font80 lineheight15\">\r\n            \nGet a Travel Insurance Quote in under 60 seconds. That&#8217;s FAST!\n        <\/div>  \r\n        \n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\"><\/div>\n        <div class=\"rh_gr_btn_block\">\r\n            \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\n\t\t \n\t\t\t\t\t        <div class=\"priced_block clearfix  mobile_block_btnclock mb0\">\n\t              \t        \t\n\t            \t    \t\t\t    \t\t\t<span class=\"rh_button_wrapper\">\n\t\t            \t<a href=\"https:\/\/thechampagnemile.com.au\/deals\/recommends\/fastcover\" class=\"btn_offer_block re_track_btn\" target=\"_blank\" rel=\"nofollow sponsored\">\n\t\t\t            \t\t\t            \tget quote\t\t\t            \t\t\t            \t\t            <\/a>\n\t\t        \t<\/span>\n\t            \t\n\t\t    \t\t\t\t\t\t\t\t    \t\t\n\t\t        \t            \t        \n\t        <\/div>\n            \t    \t\t    \t\t\t\n\t        <\/div>        \r\n    <\/div>\r\n        \r\n<\/div>\t\t\t\r\n\t\t\t<div class=\"rh_offer_list  defdealtype\"> \r\n             \r\n    <div class=\"rh_grid_image_3_col\">\r\n        <div class=\"rh_gr_img_first offer_thumb\"> \r\n            <div class=\"border-grey deal_img_wrap position-relative text-center width-100\"> \r\n            <div class=\"favorrightside wishonimage\"><\/div>      \r\n            <a title=\"10% Off When You Sign Up with Zoom Travel Insurance\" href=\"https:\/\/thechampagnemile.com.au\/deals\/10-off-when-you-sign-up-with-zoom-travel-insurance\/\"   class=\"re_track_btn\">\r\n                          \r\n                <img decoding=\"async\" class=\"nolazyftheme\" src=\"https:\/\/thechampagnemile.com.au\/deals\/wp-content\/uploads\/thumbs_dir\/zoom-travel-insurance-promo-code-logo-4-rp855ikn121saf3qp4k0yh0o7iv6qulblhhm9q26vs.png\" height=\"92\" alt=\"10% Off When You Sign Up with Zoom Travel Insurance\" \/>                        <\/a>\r\n            <div class=\" defdealtype_deal_string deal_string border-top font70 lineheight25 text-center upper-text-trans\">Deal<\/div>\r\n            <\/div>\r\n\r\n        <\/div>\r\n        <div class=\"rh_gr_top_middle\"> \r\n            <div class=\"woo_list_desc\">\r\n                <div class=\"woolist_meta mb10\">\r\n                                            <span class=\"date_ago mr5\">\r\n                            <i class=\"rhicon rhi-clock\"><\/i> \r\n                                                            1 week ago                                                    <\/span>\r\n                    \r\n                       \r\n                                          \r\n                <\/div>                        \r\n                <h3 class=\"font110 mb10 mt0 moblineheight20 \"><a href=\"https:\/\/thechampagnemile.com.au\/deals\/10-off-when-you-sign-up-with-zoom-travel-insurance\/\"   class=\"re_track_btn\">10% Off When You Sign Up with Zoom Travel Insurance<\/a><\/h2>\r\n                \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\n\t\t \n\t\t\t\t    \t\t\t\n\t                 \r\n                                                 \r\n                <div class=\"clearfix\"><\/div>                                                                                         \r\n            <\/div>               \r\n        <\/div>\r\n        <div class=\"rh_gr_middle_desc font80 lineheight15\">\r\n            \nThat&#8217;s right. Score a 10% discount using this code to save on your next Zoom Insurance policy. Works on Comprehensive, Standard, and Basic plans.\u00a0\n        <\/div>  \r\n        \n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\"><\/div>\n        <div class=\"rh_gr_btn_block\">\r\n            \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\n\t\t \n\t\t\t\t\t        <div class=\"priced_block clearfix  mobile_block_btnclock mb0\">\n\t              \t        \t\n\t            \t    \t\t\t    \t\t\t<span class=\"rh_button_wrapper\">\n\t\t            \t<a href=\"https:\/\/thechampagnemile.com.au\/deals\/recommends\/zoom\" class=\"btn_offer_block re_track_btn\" target=\"_blank\" rel=\"nofollow sponsored\">\n\t\t\t            \t\t\t            \tget discount\t\t\t            \t\t\t            \t\t            <\/a>\n\t\t        \t<\/span>\n\t            \t\n\t\t    \t\t\t\t\t\t\t\t    \t\t\n\t\t        \t            \t        \n\t        <\/div>\n            \t    \t\t    \t\t\t\n\t        <\/div>        \r\n    <\/div>\r\n        \r\n<\/div>\t\t\t\r\n\t\t\t<div class=\"rh_offer_list  defdealtype\"> \r\n             \r\n    <div class=\"rh_grid_image_3_col\">\r\n        <div class=\"rh_gr_img_first offer_thumb\"> \r\n            <div class=\"border-grey deal_img_wrap position-relative text-center width-100\"> \r\n            <div class=\"favorrightside wishonimage\"><\/div>      \r\n            <a title=\"Save 15% off your next travel insurance policy with Freely\" href=\"https:\/\/thechampagnemile.com.au\/deals\/save-15-off-your-next-travel-insurance-policy-with-freely\/\"   class=\"re_track_btn\">\r\n                          \r\n                <img decoding=\"async\" class=\"nolazyftheme\" src=\"https:\/\/thechampagnemile.com.au\/deals\/wp-content\/uploads\/thumbs_dir\/freely-discount-code-logo-4-rp855a43bjq7dxg12iwdu15iv20vtknqkbm8y8eqfs.png\" height=\"92\" alt=\"Save 15% off your next travel insurance policy with Freely\" \/>                        <\/a>\r\n            <div class=\" defdealtype_deal_string deal_string border-top font70 lineheight25 text-center upper-text-trans\">Deal<\/div>\r\n            <\/div>\r\n\r\n        <\/div>\r\n        <div class=\"rh_gr_top_middle\"> \r\n            <div class=\"woo_list_desc\">\r\n                <div class=\"woolist_meta mb10\">\r\n                                            <span class=\"date_ago mr5\">\r\n                            <i class=\"rhicon rhi-clock\"><\/i> \r\n                                                            1 week ago                                                    <\/span>\r\n                    \r\n                       \r\n                                          \r\n                <\/div>                        \r\n                <h3 class=\"font110 mb10 mt0 moblineheight20 \"><a href=\"https:\/\/thechampagnemile.com.au\/deals\/save-15-off-your-next-travel-insurance-policy-with-freely\/\"   class=\"re_track_btn\">Save 15% off your next travel insurance policy with Freely<\/a><\/h2>\r\n                \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\n\t\t \n\t\t\t\t    \t\t\t\n\t                 \r\n                                                 \r\n                <div class=\"clearfix\"><\/div>                                                                                         \r\n            <\/div>               \r\n        <\/div>\r\n        <div class=\"rh_gr_middle_desc font80 lineheight15\">\r\n            \nSave 15% on your next travel insurance policy with Freely. Get reliable cover, flexible options, and travel with confidence for less.\n        <\/div>  \r\n        \n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\"><\/div>\n        <div class=\"rh_gr_btn_block\">\r\n            \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\n\t\t \n\t\t\t\t\t        <div class=\"priced_block clearfix  mobile_block_btnclock mb0\">\n\t              \t        \t\n\t            \t    \t\t\t    \t\t\t<span class=\"rh_button_wrapper\">\n\t\t            \t<a href=\"https:\/\/thechampagnemile.com.au\/deals\/recommends\/freely\" class=\"btn_offer_block re_track_btn\" target=\"_blank\" rel=\"nofollow sponsored\">\n\t\t\t            \t\t\t            \tget discount\t\t\t            \t\t\t            \t\t            <\/a>\n\t\t        \t<\/span>\n\t            \t\n\t\t    \t\t\t\t\t\t\t\t    \t\t\n\t\t        \t            \t        \n\t        <\/div>\n            \t    \t\t    \t\t\t\n\t        <\/div>        \r\n    <\/div>\r\n        \r\n<\/div>\t\t\t\r\n\t\t\t<div class=\"rh_offer_list  defdealtype pt0 pb0 pl0 pr0 w_disclaimer\"> \r\n             \r\n    <div class=\"rh_grid_image_3_col\">\r\n        <div class=\"rh_gr_img_first offer_thumb\"> \r\n            <div class=\"border-grey deal_img_wrap position-relative text-center width-100\"> \r\n            <div class=\"favorrightside wishonimage\"><\/div>      \r\n            <a title=\"Tick for straightforward, affordable cover\" href=\"https:\/\/thechampagnemile.com.au\/deals\/all-pre-existing-medical-conditions-considered\/\"   class=\"re_track_btn\">\r\n                          \r\n                <img decoding=\"async\" class=\"nolazyftheme\" src=\"https:\/\/thechampagnemile.com.au\/deals\/wp-content\/uploads\/thumbs_dir\/tick-travel-insurance-promo-code-logo-4-rp859idy2pinmraudcpy1yq73h6cgjg959awp24yfs.png\" height=\"92\" alt=\"Tick for straightforward, affordable cover\" \/>                        <\/a>\r\n            <div class=\" defdealtype_deal_string deal_string border-top font70 lineheight25 text-center upper-text-trans\">Deal<\/div>\r\n            <\/div>\r\n\r\n        <\/div>\r\n        <div class=\"rh_gr_top_middle\"> \r\n            <div class=\"woo_list_desc\">\r\n                <div class=\"woolist_meta mb10\">\r\n                                            <span class=\"date_ago mr5\">\r\n                            <i class=\"rhicon rhi-clock\"><\/i> \r\n                                                            1 week ago                                                    <\/span>\r\n                    \r\n                       \r\n                                          \r\n                <\/div>                        \r\n                <h3 class=\"font110 mb10 mt0 moblineheight20 \"><a href=\"https:\/\/thechampagnemile.com.au\/deals\/all-pre-existing-medical-conditions-considered\/\"   class=\"re_track_btn\">Tick for straightforward, affordable cover<\/a><\/h2>\r\n                \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\n\t\t \n\t\t\t\t    \t\t\t\n\t                 \r\n                                                 \r\n                <div class=\"clearfix\"><\/div>                                                                                         \r\n            <\/div>               \r\n        <\/div>\r\n        <div class=\"rh_gr_middle_desc font80 lineheight15\">\r\n            \nChoose cover from four no-nonsense tiers &#8211; so you get exactly what you need without paying for what you don&#8217;t.\n        <\/div>  \r\n        \n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\"><\/div>\n        <div class=\"rh_gr_btn_block\">\r\n            \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\n\t\t \n\t\t\t\t\t        <div class=\"priced_block clearfix  mobile_block_btnclock mb0\">\n\t              \t        \t\n\t            \t    \t\t\t    \t\t\t<span class=\"rh_button_wrapper\">\n\t\t            \t<a href=\"https:\/\/thechampagnemile.com.au\/deals\/recommends\/ticktravelinsurance\" class=\"btn_offer_block re_track_btn\" target=\"_blank\" rel=\"nofollow sponsored\">\n\t\t\t            \t\t\t            \tget quote\t\t\t            \t\t\t            \t\t            <\/a>\n\t\t        \t<\/span>\n\t            \t\n\t\t    \t\t\t\t\t\t\t\t    \t\t\n\t\t        \t            \t        \n\t        <\/div>\n            \t    \t\t    \t\t\t\n\t        <\/div>        \r\n    <\/div>\r\n            <div class=\"rev_disclaimer lightgreybg font60 greycolor lineheight15 pt5 pb5 pl15 pr15\">Tick Travel Insurance Disclaimer: \r\n\r\nThis insurance is underwritten by the insurer Europ Assistance Australia Pty Ltd, ACN 140 219 594, AFSL 552106, trading as Tick Travel Insurance and other brands. Sub-limits, terms, conditions, and exclusions may apply. Please refer to the PDS for full details.\u202f (https:\/\/www.tickinsurance.com.au\/policy-wordings\/)\r\n\r\n \r\n\r\nIf you take out a Travel Insurance policy with Tick Travel Insurance as a result of the services provided by us, Europ Assistance Australia Pty Ltd (Trading as Tick Travel Insurance) may pay us a referral fee.<\/div>\r\n        \r\n<\/div>\t\t\r\n\t\t\r\n\t<\/div>\r\n\t<div class=\"clearfix\"><\/div>\r\n\r\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Bringing It All Together<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Complimentary credit card travel insurance is a genuine benefit when it&#8217;s triggered correctly and your trip fits within its scope. The value is real, and for a straightforward trip it can save you the cost of a standalone policy entirely. Where it&#8217;s worth being careful is assuming it stretches further than it does, particularly around activation requirements, age limits, and anything outside a fairly standard leisure trip.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The five-minute check is the same one that applies to any travel insurance decision: read the PDS for your specific card before you travel, confirm you&#8217;ve met the activation requirement, and if your trip includes any of the circumstances above, price up a standalone policy alongside it rather than assuming the card alone has you covered.<\/p>\n\n\n\t\t<div data-elementor-type=\"section\" data-elementor-id=\"103389\" class=\"elementor elementor-103389\" data-elementor-post-type=\"elementor_library\">\n\t\t\t<div class=\"elementor-element elementor-element-7a6007a e-flex e-con-boxed e-con e-parent\" data-id=\"7a6007a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element- elementor-widget elementor-widget-html\" data-id=\"\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<style>\r\nhtml body .tcm-mtig { display:block !important; width:100% !important; margin:0 !important; padding:0 !important; font-family:inherit !important; box-sizing:border-box !important; }\r\nhtml body .tcm-mtig *, html body .tcm-mtig *::before, html body .tcm-mtig *::after { box-sizing:border-box !important; }\r\nhtml body .tcm-mtig .tcm-pricematch-grid { display:grid !important; grid-template-columns:repeat(auto-fill, minmax(220px, 1fr)) !important; gap:8px !important; margin:0.85rem 0 0 0 !important; padding:0 !important; }\r\nhtml body .tcm-mtig a.tcm-country-link { display:flex !important; align-items:center !important; justify-content:space-between !important; gap:6px !important; font-family:inherit !important; background:#f8f9fc !important; border:1px solid rgba(10,31,92,0.08) !important; border-radius:7px !important; padding:0.55rem 0.75rem !important; margin:0 !important; font-size:12.5px !important; font-weight:600 !important; line-height:1.4 !important; color:inherit !important; text-decoration:none !important; box-shadow:none !important; transition:border-color 0.15s ease, background 0.15s ease !important; }\r\nhtml body .tcm-mtig a.tcm-country-link:hover { border-color:#b8992e !important; background:#ffffff !important; color:inherit !important; text-decoration:none !important; }\r\nhtml body .tcm-mtig a.tcm-country-link:focus-visible { outline:2px solid #b8992e !important; outline-offset:2px !important; }\r\nhtml body .tcm-mtig .tcm-country-link-label { display:inline-flex !important; align-items:center !important; gap:7px !important; color:inherit !important; }\r\nhtml body .tcm-mtig .tcm-country-link-icon { font-size:13px !important; color:#b8992e !important; flex-shrink:0 !important; }\r\n@media (max-width: 600px) {\r\n  html body .tcm-mtig .tcm-pricematch-grid { grid-template-columns:minmax(0, 1fr) !important; }\r\n}\r\n<\/style>\r\n\r\n<h2 class=\"wp-block-heading\">More Travel Insurance Guides<\/h2>\r\n\r\n<div class=\"tcm-mtig\">\r\n  <p class=\"wp-block-paragraph\">Every trip, traveller and risk changes what you need from a policy. These guides go deeper on each situation, and it&#8217;s worth comparing <a href=\"https:\/\/thechampagnemile.com.au\/deals\/travel-insurance-promo-codes\/\">providers<\/a> before you buy. <a href=\"https:\/\/thechampagnemile.com.au\/deals\/guides\/#travel-insurance-guides\">Browse all travel insurance guides<\/a>.<\/p>\r\n  <div class=\"tcm-pricematch-grid\"><a class=\"tcm-country-link\" href=\"https:\/\/thechampagnemile.com.au\/deals\/guides\/best-travel-insurance-for-families\/\"><span class=\"tcm-country-link-label\"><i class=\"ti ti-users-group tcm-country-link-icon\" aria-hidden=\"true\"><\/i>Best Travel Insurance for Families<\/span><\/a><a class=\"tcm-country-link\" href=\"https:\/\/thechampagnemile.com.au\/deals\/guides\/best-travel-insurance-for-backpackers\/\"><span class=\"tcm-country-link-label\"><i class=\"ti ti-backpack tcm-country-link-icon\" aria-hidden=\"true\"><\/i>Best Travel Insurance for Backpackers<\/span><\/a><a class=\"tcm-country-link\" href=\"https:\/\/thechampagnemile.com.au\/deals\/guides\/best-travel-insurance-for-students\/\"><span class=\"tcm-country-link-label\"><i class=\"ti ti-school tcm-country-link-icon\" aria-hidden=\"true\"><\/i>Best Travel Insurance for Students<\/span><\/a><a class=\"tcm-country-link\" href=\"https:\/\/thechampagnemile.com.au\/deals\/guides\/best-travel-insurance-for-pregnant-travellers\/\"><span class=\"tcm-country-link-label\"><i class=\"ti ti-baby-carriage tcm-country-link-icon\" aria-hidden=\"true\"><\/i>Best Travel Insurance for Pregnant Travellers<\/span><\/a><a class=\"tcm-country-link\" href=\"https:\/\/thechampagnemile.com.au\/deals\/guides\/best-travel-insurance-for-seniors-in-australia\/\"><span class=\"tcm-country-link-label\"><i class=\"ti ti-heart-handshake tcm-country-link-icon\" aria-hidden=\"true\"><\/i>Best Travel Insurance for Seniors<\/span><\/a><a class=\"tcm-country-link\" href=\"https:\/\/thechampagnemile.com.au\/deals\/guides\/best-travel-insurance-for-cruises\/\"><span class=\"tcm-country-link-label\"><i class=\"ti ti-anchor tcm-country-link-icon\" aria-hidden=\"true\"><\/i>Best Travel Insurance for Cruises<\/span><\/a><a class=\"tcm-country-link\" href=\"https:\/\/thechampagnemile.com.au\/deals\/guides\/annual-vs-single-trip-travel-insurance\/\"><span class=\"tcm-country-link-label\"><i class=\"ti ti-calendar-repeat tcm-country-link-icon\" aria-hidden=\"true\"><\/i>Annual vs Single Trip Travel Insurance<\/span><\/a><a class=\"tcm-country-link\" href=\"https:\/\/thechampagnemile.com.au\/deals\/guides\/domestic-travel-insurance\/\"><span class=\"tcm-country-link-label\"><i class=\"ti ti-map-pin tcm-country-link-icon\" aria-hidden=\"true\"><\/i>Domestic Travel Insurance<\/span><\/a><a class=\"tcm-country-link\" href=\"https:\/\/thechampagnemile.com.au\/deals\/guides\/travel-insurance-pre-existing-medical-conditions\/\"><span class=\"tcm-country-link-label\"><i class=\"ti ti-heartbeat tcm-country-link-icon\" aria-hidden=\"true\"><\/i>Pre-Existing Medical Conditions<\/span><\/a><a class=\"tcm-country-link\" href=\"https:\/\/thechampagnemile.com.au\/deals\/guides\/travel-insurance-for-adventure-sports\/\"><span class=\"tcm-country-link-label\"><i class=\"ti ti-mountain tcm-country-link-icon\" aria-hidden=\"true\"><\/i>Travel Insurance for Adventure Sports<\/span><\/a><a class=\"tcm-country-link\" href=\"https:\/\/thechampagnemile.com.au\/deals\/guides\/credit-card-travel-insurance\/\"><span class=\"tcm-country-link-label\"><i class=\"ti ti-credit-card tcm-country-link-icon\" aria-hidden=\"true\"><\/i>Credit Card Travel Insurance<\/span><\/a><\/div>\r\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\n\n\n\n<h2 class=\"wp-block-heading\">Other Useful Links<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Got a complaint about a travel insurer? Lodge it with the <a href=\"https:\/\/www.afca.org.au\/make-a-complaint\/insurance\">Australian Financial Complaints Authority (AFCA)<\/a> \u2013 give the insurer a chance to resolve it internally first, usually within 45 days.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For current government travel advisories, check <a href=\"https:\/\/www.smartraveller.gov.au\/\">Smartraveller<\/a> \u2013 Australia&#8217;s official travel advisory service.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Frequently Asked Questions<\/h2>\n\n\n\n<div class=\"wp-block-aioseo-faq\" data-schema-only=\"false\"><h3 class=\"aioseo-faq-block-question\">Does my credit card&#8217;s travel insurance cover me automatically?<\/h3><div class=\"aioseo-faq-block-answer\">\n<p class=\"wp-block-paragraph\">No. Most complimentary card policies require you to meet an activation requirement first, typically paying the full or predominant cost of your trip on the eligible card. Simply holding the card isn&#8217;t enough on its own.<\/p>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-aioseo-faq\" data-schema-only=\"false\"><h3 class=\"aioseo-faq-block-question\">What&#8217;s the most common reason people aren&#8217;t covered by their card&#8217;s travel insurance?<\/h3><div class=\"aioseo-faq-block-answer\">\n<p class=\"wp-block-paragraph\">Not meeting the activation requirement. Paying for flights with points, splitting payment across multiple cards, or using a different card for the trip can all mean the cover never actually switches on.<\/p>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-aioseo-faq\" data-schema-only=\"false\"><h3 class=\"aioseo-faq-block-question\">Is credit card travel insurance as good as a standalone policy?<\/h3><div class=\"aioseo-faq-block-answer\">\n<p class=\"wp-block-paragraph\">For a straightforward trip, it can be a genuinely solid option. Where it tends to fall short is lower sub-limits, tighter age caps, narrower pre-existing condition allowances, and exclusions for adventure activities and extended trips.<\/p>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-aioseo-faq\" data-schema-only=\"false\"><h3 class=\"aioseo-faq-block-question\">Should I get standalone travel insurance if my card already includes cover?<\/h3><div class=\"aioseo-faq-block-answer\">\n<p class=\"wp-block-paragraph\">It depends on your trip. If you&#8217;re travelling with family, while pregnant, with an older traveller, doing adventure activities, or managing a pre-existing condition, it&#8217;s worth pricing up standalone cover alongside your card&#8217;s complimentary policy rather than relying on the card alone.<\/p>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-aioseo-faq\" data-schema-only=\"false\"><h3 class=\"aioseo-faq-block-question\">How does credit card travel insurance work?<\/h3><div class=\"aioseo-faq-block-answer\">\n<p class=\"wp-block-paragraph\">Some credit cards include complimentary travel insurance. You usually need to meet conditions to activate it, such as paying a set portion of your trip costs on the card, and there are often limits on age, trip length and pre-existing conditions. Cover levels can be lower than a standalone policy, so read the card&#8217;s insurance terms before you rely on it.<\/p>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-aioseo-faq\" data-schema-only=\"false\"><h3 class=\"aioseo-faq-block-question\">Does credit card travel insurance cover flights booked with points?<\/h3><div class=\"aioseo-faq-block-answer\">\n<p class=\"wp-block-paragraph\">Not always. If you redeemed points rather than paying cash for your flights, the booking can fall outside the card\u2019s activation requirement, depending on the card. Check your card\u2019s insurance terms before you book a points flight and rely on the cover.<\/p>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-aioseo-faq\" data-schema-only=\"false\"><h3 class=\"aioseo-faq-block-question\">Does my credit card cover rental car excess?<\/h3><div class=\"aioseo-faq-block-answer\">\n<p class=\"wp-block-paragraph\">Many premium cards include complimentary rental vehicle excess cover, which reimburses the rental company\u2019s excess up to the policy limit if the car is damaged or stolen. It\u2019s usually triggered by paying the entire rental cost on the eligible card, so a split payment or a third-party booking may not qualify. Some vehicle types, such as 4WDs, vans, motorhomes or motorcycles, can also be excluded.<\/p>\n<\/div><\/div>\n\n\n\t\t<div data-elementor-type=\"container\" data-elementor-id=\"102958\" class=\"elementor elementor-102958\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-cc77e70 e-con-full e-flex e-con e-parent\" data-id=\"cc77e70\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-733ec7f elementor-widget elementor-widget-html\" data-id=\"733ec7f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<style>\nsection.tcm-eeat{margin:0 0 24px;font-family:inherit;color:#1c1f2a}\nsection.tcm-eeat ul.tcm-eeat-items{list-style:none !important;margin:0 !important;padding:0 !important;display:grid !important;grid-template-columns:1fr 1fr;gap:10px}\nsection.tcm-eeat ul.tcm-eeat-items li.tcm-eeat-item{list-style:none !important;display:flex !important;gap:12px;align-items:flex-start;background:#f5f6fb;border:1px solid #e6e9f3;border-radius:10px;padding:12px 14px !important;margin:0 !important}\nsection.tcm-eeat li.tcm-eeat-item::before,section.tcm-eeat li.tcm-eeat-item::marker{display:none !important;content:none !important}\nsection.tcm-eeat li.tcm-eeat-item > i{flex:0 0 auto;display:block;font-size:20px;color:#b8992e;margin-top:2px}\nsection.tcm-eeat.tcm-eeat ul.tcm-eeat-items li.tcm-eeat-item h3{margin:0 0 3px !important;padding:0 !important;font-size:15px !important;line-height:1.35 !important;font-weight:700;color:#0a1f5c}\nsection.tcm-eeat .tcm-eeat-item p{margin:0 !important;padding:0 !important;font-size:14px;line-height:1.55;color:#454a5a}\n.tcm-eeat a{color:#0a1f5c;text-decoration:underline;text-decoration-color:#b8992e;text-underline-offset:2px}\n.tcm-eeat a:hover{color:#b8992e}\n@media (max-width:640px){section.tcm-eeat ul.tcm-eeat-items{grid-template-columns:1fr}}\n<\/style>\n<section class=\"tcm-eeat\" aria-label=\"Why trust us\">\n  <h2 class=\"wp-block-heading\">Why Trust Us<\/h2>\n  <ul class=\"tcm-eeat-items\">\n    <li class=\"tcm-eeat-item\">\n      <i class=\"ti ti-map-pin-check\" aria-hidden=\"true\"><\/i>\n      <div>\n        <h3>Independent and Australian<\/h3>\n        <p>We focus on deals Australians can actually use. Commercial partnerships never decide which brands we cover or how we rank them.<\/p>\n      <\/div>\n    <\/li>\n    <li class=\"tcm-eeat-item\">\n      <i class=\"ti ti-shield-check\" aria-hidden=\"true\"><\/i>\n      <div>\n        <h3>Sourced and checked<\/h3>\n        <p>Codes come from the brands themselves and our official affiliate partners, not scraped from other coupon sites. We note terms like minimum spend, eligible products and new customer rules.<\/p>\n      <\/div>\n    <\/li>\n    <li class=\"tcm-eeat-item\">\n      <i class=\"ti ti-refresh\" aria-hidden=\"true\"><\/i>\n      <div>\n        <h3>Kept up to date<\/h3>\n        <p>Offers can change at short notice, so we review our pages regularly. The last updated date is shown on this page.<\/p>\n      <\/div>\n    <\/li>\n    <li class=\"tcm-eeat-item\">\n      <i class=\"ti ti-message-report\" aria-hidden=\"true\"><\/i>\n      <div>\n        <h3>Corrections welcome<\/h3>\n        <p>Spotted something out of date? <a href=\"https:\/\/thechampagnemile.com.au\/deals\/contact\/\">Let us know<\/a> and we will look into it and update the page. See our <a href=\"https:\/\/thechampagnemile.com.au\/editorial-policy\/\">editorial policy<\/a>.<\/p>\n      <\/div>\n    <\/li>\n  <\/ul>\n<\/section>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\n\n\n<div id=\"rh-postel-211518041\" class=\"rh-flex-center-align rh-flex-justify-\">\n\t\t<style>\n\t\t\t#rh-postel-211518041 .heart_thumb_wrap .heartplus{\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-211518041 .price_count{\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-211518041 a.admin{\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-211518041 .admin-name{\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-211518041 a.admin img{\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-211518041 nav.top_menu > ul > li{\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-211518041 .admin_meta_el{\n\t\t\t\t\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-211518041 .priced_block .btn_offer_block{\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-211518041 .wpsm-button.medium{\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-211518041 .menu-cart-btn{\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-211518041 .price_count .rh_regular_price{\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-211518041 .price_count del{\n\t\t\t\t\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-211518041 .rh-header-icon{\n\t\t\t\t\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-211518041 nav.top_menu > ul > li > a{\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-211518041 .dl-menuwrapper button svg line{\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-211518041 .dl-menuwrapper button{\n\t\t\t\t\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-211518041 nav.top_menu ul.sub-menu > li > a{\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-211518041 .heads_icon_label{\n\t\t\t\t\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-211518041 .rh_woocartmenu-amount{\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-211518041 .row_social_inpost span.share-link-image{\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-211518041 .favour_btn_red .heart_thumb_wrap{\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-211518041 .favour_in_row{\n\t\t\t\t\n\t\t\t}\n\t\t<\/style>                    <div class=\"author_detail_box clearfix\"><img alt='Michael Coates' src='https:\/\/secure.gravatar.com\/avatar\/256e32f2f5867573891f17366c8dd5f6358af8dff92dc7f5a4b2b53df73e2e5a?s=69&#038;d=mm&#038;r=g' srcset='https:\/\/secure.gravatar.com\/avatar\/256e32f2f5867573891f17366c8dd5f6358af8dff92dc7f5a4b2b53df73e2e5a?s=138&#038;d=mm&#038;r=g 2x' class='avatar avatar-69 photo' height='69' width='69' \/>                <style>\r\n                    .author_detail_box { background-color: #fff; border: 1px solid #ededed; padding: 20px 0px; margin: 5px auto 40px auto; position: relative; min-height: 90px;width: 100%}\r\n                    .author_detail_box a{text-decoration: none;}\r\n                    .archive .author_detail_box { margin: 0 0 10px 0 }\r\n                    .author_detail_box .avatar {width: 71px; position: absolute; left: 20px; top: 15px; }\r\n                    .author_detail_box > div { width: 100%;    padding: 0 20px 0 110px }\r\n                    .author_detail_box div .social_icon { border-bottom: 1px solid #eee; padding-bottom: 15px; margin-bottom: 15px; }\r\n                    .author_detail_box div h4 {margin: 0 0 8px 0;}\r\n                    .author_detail_box div p { font-size: 14px;line-height: 16px; color: #111111; margin: 0 0 10px 0 }\r\n                    .author_detail_box .rh_mycred-users-badges{display: inline-block; margin-right: 5px }\r\n                    .rtl .author_detail_box .avatar { left: inherit; right: 20px }\r\n                    .rtl .author_detail_box > div { padding: 0 110px 0 20px }\r\n                <\/style>\r\n                <div class=\"clearfix\">\r\n                                    \r\n                    <strong class=\"mb10\">\r\n                        <a href=\"https:\/\/thechampagnemile.com.au\/deals\/author\/michael\/\">Michael Coates<\/a>\r\n                                                \r\n                    <\/strong class=\"mb10\">\r\n                    <div class=\"social_icon small_i\">\r\n                        <div class=\"comm_meta_cred\">\r\n                                                                                <\/div>                     \r\n                        <a href=\"https:\/\/thechampagnemile.com.au\/deals\/\" class=\"author-social hm\" rel=\"nofollow\"><i class=\"rhicon rhi-home\"><\/i><\/a>                                                                                                                                                                                                                     <\/div>\r\n                    <p>Michael has been publishing deals and travel content for Australians for more than 10 years and runs the deals section of The Champagne Mile. With a Bachelor of Commerce and a background in commercial law, he reads the fine print so you don&#8217;t have to, from insurance PDSs to promo code terms. Every deal on the site is checked before it goes live and updated when offers change. When he&#8217;s not testing codes, he&#8217;s planning his next overseas trip or out on his dirt bike.<\/p>                    <p>\r\n                <\/div>\r\n            <\/div>\r\n        <\/div>","protected":false},"excerpt":{"rendered":"<p>If you hold a premium rewards credit card, there&#8217;s a good chance it comes with complimentary travel insurance attached, and for a lot of trips, that cover is genuinely useful. It&#8217;s one of the more underrated perks sitting on a card you might already be paying an annual fee for anyway. But &#8220;complimentary&#8221; doesn&#8217;t mean [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":99058,"parent":96339,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_lmt_disableupdate":"","_lmt_disable":"","footnotes":""},"categories":[],"tags":[],"class_list":["post-99056","page","type-page","status-publish","has-post-thumbnail","hentry"],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO Pro 5.0.5 - aioseo.com -->\n\t<meta name=\"description\" content=\"Does your credit card travel insurance really cover your trip? 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See how it activates, where it falls short, and when standalone cover is worth adding.","twitter:image":"https:\/\/thechampagnemile.com.au\/deals\/wp-content\/uploads\/2026\/08\/credit-card-travel-insurance-feature-image.jpg"},"aioseo_meta_data":{"post_id":"99056","title":null,"description":"Does your credit card travel insurance really cover your trip? 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Simply holding the card isn't enough on its own.","type":"aioseo\/faq"},{"hidden":false,"question":"What's the most common reason people aren't covered by their card's travel insurance?","schemaBlockId":"aioseo-mtarxrrpka5kz","tagName":"h3","answer":"Not meeting the activation requirement. Paying for flights with points, splitting payment across multiple cards, or using a different card for the trip can all mean the cover never actually switches on.","type":"aioseo\/faq"},{"hidden":false,"question":"Is credit card travel insurance as good as a standalone policy?","schemaBlockId":"aioseo-mtary7461q32m","tagName":"h3","answer":"For a straightforward trip, it can be a genuinely solid option. Where it tends to fall short is lower sub-limits, tighter age caps, narrower pre-existing condition allowances, and exclusions for adventure activities and extended trips.","type":"aioseo\/faq"},{"hidden":false,"question":"Should I get standalone travel insurance if my card already includes cover?","schemaBlockId":"aioseo-mtaryovznocs9","tagName":"h3","answer":"It depends on your trip. If you're travelling with family, while pregnant, with an older traveller, doing adventure activities, or managing a pre-existing condition, it's worth pricing up standalone cover alongside your card's complimentary policy rather than relying on the card alone.","type":"aioseo\/faq"},{"hidden":false,"question":"How does credit card travel insurance work?","schemaBlockId":"aioseo-mv3g9wsgtqzz4","tagName":"h3","answer":"Some credit cards include complimentary travel insurance. You usually need to meet conditions to activate it, such as paying a set portion of your trip costs on the card, and there are often limits on age, trip length and pre-existing conditions. Cover levels can be lower than a standalone policy, so read the card's insurance terms before you rely on it.","type":"aioseo\/faq"},{"hidden":false,"question":"Does credit card travel insurance cover flights booked with points?","schemaBlockId":"aioseo-mvrl94zmihzd9","tagName":"h3","answer":"Not always. If you redeemed points rather than paying cash for your flights, the booking can fall outside the card\u2019s activation requirement, depending on the card. Check your card\u2019s insurance terms before you book a points flight and rely on the cover.","type":"aioseo\/faq"},{"hidden":false,"question":"Does my credit card cover rental car excess?","schemaBlockId":"aioseo-mvrl94zn4ku8b","tagName":"h3","answer":"Many premium cards include complimentary rental vehicle excess cover, which reimburses the rental company\u2019s excess up to the policy limit if the car is damaged or stolen. It\u2019s usually triggered by paying the entire rental cost on the eligible card, so a split payment or a third-party booking may not qualify. Some vehicle types, such as 4WDs, vans, motorhomes or motorcycles, can also be excluded.","type":"aioseo\/faq"}],"customGraphs":[],"default":{"data":{"Article":[],"Course":[],"Dataset":[],"FAQPage":[],"Movie":[],"Person":[],"Product":[],"ProductReview":[],"Car":[],"Recipe":[],"Service":[],"SoftwareApplication":[],"WebPage":[]},"graphName":"none","isEnabled":true},"graphs":[{"id":"#aioseo-article-mtarr094","slug":"article","graphName":"Article","label":"Article","properties":{"type":"Article","name":"#post_title","headline":"#post_title","description":"","image":"","keywords":"","author":{"name":"#author_name","url":"#author_url"},"dates":{"include":true,"datePublished":"","dateModified":""}},"value":"article"}]},"schema_type":"default","schema_type_options":null,"pillar_content":false,"robots_default":true,"robots_noindex":false,"robots_noarchive":false,"robots_nosnippet":false,"robots_nofollow":false,"robots_noimageindex":false,"robots_noodp":false,"robots_notranslate":false,"robots_max_snippet":"-1","robots_max_videopreview":"-1","robots_max_imagepreview":"large","priority":null,"frequency":"default","local_seo":null,"seo_analyzer_scan_date":"2026-11-02 23:21:41","breadcrumb_settings":null,"limit_modified_date":0,"reviewed_by":"1","open_ai":null,"ai":{"faqs":[],"keyPoints":[{"title":"Complimentary travel insurance is a real benefit, not automatic","explanation":"It typically covers overseas medical expenses, emergency evacuation, cancellation costs, and lost or delayed baggage, but only when the policy is activated and within the card's terms."},{"title":"How to trigger the cover on your card","explanation":"Activation usually requires paying the full or predominant portion of your trip with the eligible card, but the exact rule varies by card, so check the product's terms before you travel."},{"title":"Activation details to verify before travel","explanation":"Confirm whether specific costs count toward activation, any minimum spend requirements, whether all travelers must be named cardholders, and whether the card must stay open for the trip."},{"title":"Common gaps and exclusions of card coverage","explanation":"Expect lower sub-limits, tighter age caps, narrower pre-existing condition allowances, shorter maximum trip durations, and limited adventure activity coverage compared with standalone policies."},{"title":"When a standalone policy is worth considering","explanation":"For trips with kids, pregnancy, older travelers, adventure activities, or pre-existing conditions, price up standalone cover in addition to the card\u2019s complimentary policy rather than relying on it alone."}],"schemas":[],"titles":[],"descriptions":[],"socialPosts":{"email":{"subject":"","preview":"","content":""},"linkedin":[],"twitter":[],"facebook":[],"instagram":[]}},"created":"2026-08-27 00:09:43","updated":"2026-11-05 12:28:57","focus_keyword":"credit card travel insurance","additional_keywords":null,"truseo_locale":null},"aioseo_breadcrumb":"<div class=\"aioseo-breadcrumbs\"><span class=\"aioseo-breadcrumb\">\n\t<a href=\"https:\/\/thechampagnemile.com.au\/deals\/\" title=\"Home\">Home<\/a>\n<\/span><span 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