Travel Insurance Credit Cards – Discover the best credit card for travel insurance

Travel insurance credit cards are credit cards that offer travel insurance cover as a benefit for the card holder. Credit card travel insurance often also covers your partner and dependant children travelling with you. What’s more the annual fee for these credit cards is often lower or similar to a typical annual family travel insurance package. Compare credit cards with free travel insurance to find the best credit card travel insurance to meet your need.

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Updated: 6 Jul, 2025

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Card	Description	Purchase Rate (p.a.)	Balance Transfer	Cash Rate (p.a.)	Annual Fee	Interest Free Days
The American Express Airpoints Platinum Card Platinum Award (Personal)	This card is the FASTEST Airpoints Dollar^TM earning Platinum Credit Card in NZ. Every $70 you spend earns you 1 Airpoints Dollar. CURRENT OFFER: Get rewarded with 300 bonus Airpoints Dollars™ when you apply, are approved and spend $1,500 on your new Amex Airpoints Platinum Card within the first 3 months. New Amex Card Members only. T&Cs apply. Other benefits include: Complimentary Travel Insurance for domestic and international travel, waived Koru joining fee, Koru annual fee discount of $145, Two VIP Lounges access with Priority Pass per year and more. Reward Points Cash Equivalent: $100 spend earns $1.42 cash equivalent^.	22.95% p.a.	N/A	22.95% p.a.	$195.00	55 days More Info » Apply Now » No documents required to apply¹
The American Express Gold Rewards Credit Card Platinum Award (Personal)	Amex's FASTEST earn rate credit card in NZ. Get 2 points per $1 spent with this award-winning Membership Rewards programme. CURRENT OFFER: Get $200 back* (Statement Credit). *Apply online, be approved and spend $1,500 on your new Card within the first 3 months. New Card Members only. T&Cs apply. Reward Points Cash Equivalent: $100 spend earns $1.25 cash equivalent^.	22.95% p.a.	N/A	22.95% p.a.	$200.00	55 days More Info » Apply Now » No documents required to apply¹
HSBC Corporate Credit Card Gold Award (Business)	The HSBC Corporate Card is a business credit card that not only allows you to effectively manage your business expenditure but also includes travel insurance protection as a key benefit . HSBC does not disclose the annual fee or purchase rate for the HSBC Corporate Credit Card on their website.	Undisclosed	N/A	N/A	$-1.00	54 days More Info » Apply Now »
American Express Gold Business Credit Card Platinum Award (Business)	The American Express Gold Business Card is a rewards business credit card that also comes with complimentary travel insurance, business trip completion cover and transport accident cover. You earn 2 Membership Rewards points for every $1 dollar spent on your card until 31 August 2025 and then it reverts to 1 Membership Rewards point per $1 spent thereafter. CURRENT OFFER: Receive 50,000 Bonus Membership Rewards® Points (*Min spend $1k in first 3 months. T&Cs apply. New Amex Card Members only).	N/A	N/A	N/A	$95.00	Up to 50 cash flow days More Info » Apply Now » No documents required to apply¹
Westpac Hotpoints World MasterCard Credit Card Gold Award (Personal)	Earn 2 hotpoints for every $1 spent on your card up to (and including) $15,000 then 1 hotpoint for every $1 spent on your card each month. Plus Priority Pass lounge access to over 1,500 airport lounges around the world and overseas travel insurance for up to 120 days per round trip. Reward Points Cash Equivalent: $100 spend earns $1.11 cash equivalent (for up to $15,000 spend)^. $100 spend earns $0.55 cash equivalent (for over $15,000 spend)^.	16.95% p.a.	5.95% for life of balance transferred	22.95% p.a.	$285.00	44 days More Info » Apply Now »
Westpac Airpoints World MasterCard Credit Card Gold Award (Personal)	This card is a touch of everything including Airpoints, a relatively low interest rate of 16.95% and a balance transfer offer of 5.95% for life of balance transferred. It also comes with Priority Pass lounge access to over 1,500 airport lounges around the world. Reward Points Cash Equivalent: $100 spend earns $1.05 cash equivalent (for up to $15,000 spend)^. $100 spend earns $0.52 cash equivalent (for over $15,000 spend)^.	16.95%	5.95% for life of balance transferred	22.95%	$310.00	44 days More Info » Apply Now »
BNZ Advantage Visa Platinum Credit Card Gold Award (Personal)	Spend $1 and get 1.67 BNZ Points. The BNZ Advantage Platinum Visa Card also comes with a 90 days platinum International Leisure Travel Insurance and Domestic rental and vehicle excess insurance. Reward Points Cash Equivalent: $100 spend earns $1.11 cash equivalent^.	18.95%	N/A	18.95%	$90.00	55 days More Info » Apply Now »
ASB Visa Platinum Rewards Credit Card Gold Award (Personal)	Choose between True Rewards or Everyday Rewards points. Earn 1 True Rewards Dollar for every $100 you spend or 1 Everyday Rewards point for every $1 spent on your ASB card. This card also comes with travel insurance for you, your spouse and your dependent children. Reward Points Cash Equivalent: $100 spend earns $1.00 cash equivalent in True Rewards points^.	19.95%	0% p.a. for 6 months	22.95%	$80.00	55 days More Info » Apply Now »
ASB Visa Business Rewards Credit Card Gold Award (Business)	The ASB Visa Business Rewards Credit Card is a business rewards credit card that allows you to earn either True Rewards or Everyday Rewards. For True Rewards, you get 1 True Rewards Dollar for every $100 you spend with your ASB Visa Business Rewards Credit Card, and for Everyday Rewards, you earn 1 Everyday Rewards point for every $1 you spend on your card.	19.95%	0.00%	22.95%	$70.00	50 days More Info » Apply Now »
ANZ CashBack Platinum Credit Card Gold Award (Personal)	The ANZ Cash back Platinum card allows you to earn $1 cash back for every $120 spent on eligible purchases. Reward Points Cash Equivalent: $100 spend earns $0.83 cash equivalent^.	20.95%	N/A	20.95%	$80.00	55 days More Info » Apply Now »
ANZ Airpoints Visa Platinum Credit Card Gold Award (Personal)	Earn 1 Airpoints Dollar for every $110 you spend on eligible purchases. Reward Points Cash Equivalent: $100 spend earns $0.90 cash equivalent^.	20.95%	N/A	20.95%	$150.00	44 days More Info » Apply Now »
Westpac Hotpoints Platinum MasterCard Credit Card Gold Award (Personal)	Earn 1.5 hotpoints for every $1 spent on your card up to (and including) $7,000 then 1 hotpoint for every $1 spent on your card each month. Reward Points Cash Equivalent: $100 spend earns $0.83 cash equivalent (for up to $7,000 spend)^. $100 spend earns $0.55 cash equivalent (for over $7,000 spend)^.	20.95% p.a.	5.95% for life of balance transferred	22.95% p.a.	$70.00	55 days More Info » Apply Now »
Westpac Airpoints Platinum MasterCard Credit Card Gold Award (Personal)	Earn 1 Airpoints Dollar for every $110 spent on your card up to (and including) $7,000 then 1 Airpoints Dollar for every $220 spent on your card each month plus get 5.95% for the life of the balance transferred. Reward Points Cash Equivalent: $100 spend earns $0.90 cash equivalent (for up to $7,000 spend)^. $100 spend earns $0.45 cash equivalent (for over $7,000 spend)^.	20.95% p.a.	5.95% for life of balance transferred	22.95% p.a.	$125.00	44 days More Info » Apply Now »
Westpac Airpoints Business Mastercard Credit Card Gold Award (Business)	The Westpac Airpoints Business Mastercard is a business rewards credit card that allows you to earn 1 Airpoints Dollar for every $85 on eligible business spend, plus it comes with other benefits such as Up to 35 days of overseas travel insurance, purchase protection of up to 90 days, discount on 12-month Air New Zealand koru membership, extended warranty on purchases, and you earn one Status Point for every $225 you spend on eligible purchases.	20.95%	N/A	22.95%	$145.00	44 days More Info » Apply Now »
Westpac BusinessPLUS Mastercard with Hotpoints Gold Award (Business)	The Westpac BusinessPLUS Mastercard with Hotpoints credit card is a business rewards credit card that allows you to earn 1.25 hotpoints® for every $1 of business spend but also comes with other benefits such as Up to 35 days of overseas travel insurance and purchase protection of up to 90 days, and extended warranty on purchases.	20.95%	5.95%	22.95%	$100.00	55 days More Info » Apply Now »
Kiwibank Air New Zealand Airpoints Platinum Visa Credit Card Gold Award (Personal)	Earn 1 Airpoints Dollar™ for every $115 spent on eligible purchases. This card also comes with complimentary overseas travel insurance for you and your immediate family travelling with you for up to 40 days. Reward Points Cash Equivalent: $100 spend earns $0.64 cash equivalent^.	20.95%	1.99% p.a. for 6 months	20.95%	$180.00	44 days More Info » Apply Now »
TSB Platinum Mastercard Credit Card Gold Award (Personal)	Earn $1 cashback on every $100 spent on eligible purchases. Plus a range of insurance. Reward Points Cash Equivalent: $100 spend earns $1.00 cash equivalent^.	20.95%	N/A	22.95%	$90.00	55 days More Info » Apply Now »

^ To help you compare reward points across different credit cards and rewards programs, we provide an estimate of the cash-equivalent of the reward points that you will get back for every $100 you spend on eligible purchases with your card. The cash equivalent value given is an estimate only based on a specific redemption example. In some cases you might earn less or more depending on how you redeem your ponts and some reward points cannot be redeemed for cash directly. Click on the card to find out how the estimate was calculated.

About Credit Cards with Travel Insurance

Travelling can be so much fun, but unexpected events can turn a dream holiday into a nightmare. Whether it’s a delayed flight, medical emergency, or a lost luggage, such inconveniences can disrupt or ruin your travel plans and incur significant expenses. Many credit cards offer built-in travel insurance to help provide peace of mind and financial protection for your travels but it is important to find the best travel insurance credit card that meets your personal needs.

What are the benefits of credit cards with free Travel Insurance?

Credit cards with travel insurance can offer almost the same protection as a standard travel insurance. Below are some of the benefits you can expect from having a credit card for travel insurance but keep in mind that you usually have to book your holiday or a signifcant portion of it using your travel insurance. NOTE: not all credit card with free travel insurance will offer all the benefits mentioned below.

Trip Cancellation or Interruption Cover

If you need to cancel or cut short your trip due to a covered reason such as illness, severe weather, or other emergencies, your complimentary credit card travel insurance can reimburse you for non-refundable expenses such as flights, hotels, and tours.

Lost or Delayed Baggage Cover

With a credit cards offering free travel insurance you can get reimbursed if your luggage is lost, damaged, or delayed. This can help cover the cost of clothing and other necessities.

Travel Accident Insurance

Credit cards with free travel insurance can provides cover in case of accidental death or dismemberment while travelling. This cover offers financial protection for you and your loved ones in the event of a serious accident.

Emergency Medical and Dental Cover

This can provide medical expenses if you become ill or injured while travelling. Some credit cards even include emergency dental cover, ensuring you’re taken care of if you face health issues away from home.

Emergency Evacuation and Transportation

In a medical emergency requiring you to be transported to a hospital or returned home, your credit cards travel insurance can cover the costs associated with emergency evacuation and transportation.

Rental Car Insurance

Many travel credit cards offer rental car insurance, which can save you money by allowing you to decline the rental company’s insurance. This cover often includes protection against damage or theft of the rental vehicle.

Tips for Maximising Your Travel Insurance Benefits

Read the Fine Print:

Understand the specific terms and conditions of your card’s travel insurance benefits. Pay attention to cover limits, exclusions, excess and claim procedures.

Keep Documentation:

Save all receipts, itineraries, and relevant documentation related to your trip. This will be essential if you need to file a claim.

Notify Your Card Issuer:

If an issue arises, contact your card issuer as soon as possible to report the incident and start the claims process.

Use Your Card for Purchases:

To be eligible for travel insurance benefits, ensure you use your credit card to book flights, hotels, and other travel-related expenses. Read the terms and conditions to find out what you must book with your card to quality for the travel insurance.

Credit Card Travel Insurance FAQs

What is the best credit card for travel insurance?

Although the best credit card for travel insurance depends on your insurance needs, the American Express Airpoints Platinum Credit Card offers the longest coverage of 180 days in contrast to other credit cards such as the Westpac hotpoints Platinum Mastercard which only offers 35 days coverage. The American Express Airpoints Platinum credit card also covers both domestic and overseas travel unlike most other credit cards in New Zealand which only cover overseas travel, but be sure to take into account the annual fee of the credit card to find the credit card with best travel insurance for you.

What is credit card travel insurance?

Credit card travel insurance is coverage provided by your credit card issuer that protects you during travel-related events, such as trip cancellations, delays, lost luggage, and medical emergencies.

How do I know if my credit card offers travel insurance?

Check your credit card’s benefits guide or contact your credit card issuer to confirm if travel insurance is included and what specific coverages apply. Make sure you check the coverage details such as eligibility criteria and number of coverage days.

What types of travel insurance does my credit card cover?

Coverage varies by card but commonly includes trip cancellation, trip interruption, baggage loss or delay, travel accident insurance, and emergency medical coverage.

Do I need to book my trip with my credit card to qualify for travel insurance?

Yes, most credit card travel insurance policies require that you pay for your trip (or a portion of it) using the credit card to be eligible for coverage.

What does trip cancellation or interruption insurance cover?

This coverage reimburses non-refundable travel expenses if your trip is canceled or interrupted due to covered reasons like illness, severe weather, or other emergencies.

Does my credit card travel insurance cover medical emergencies abroad?

Some credit cards offer emergency medical and dental coverage, but it may be limited. Check your policy details and consider additional travel health insurance if needed.

Are pre-existing medical conditions covered by credit card travel insurance?

Most credit card travel insurance policies do not cover pre-existing medical conditions unless explicitly stated otherwise. Review the policy’s terms carefully. If you or any member of your family have pre-existing medical conditions such as asthma you might want to read the pre-existing medical conditions carefully. Some policies will cover you if you have not had any incidence in the last 12 months.

How do I file a claim for travel insurance benefits?

Contact your credit card issuer or insurance provider promptly, gather necessary documents (like receipts, police reports, or medical records), and submit your claim according to their guidelines.

Are travel delays and missed connections covered?

Many credit cards cover travel delays or missed connections due to specific reasons like weather or airline issues, reimbursing you for expenses like meals, lodging, or rebooking fees.

Does my travel insurance cover rental car damage?

Some credit cards with free travel insurance offer rental car insurance, but coverage details can vary. Ensure you understand what is covered and whether it’s primary or secondary insurance.

Is travel insurance available for all family members?

Many credit card with free travel insurance policies extend coverage to your spouse and dependent children if they are traveling with you and the trip was booked using your credit card. Review specific terms for family coverage.

What is not covered by credit card travel insurance?

Exclusions typically include pre-existing conditions, risky activities (e.g., extreme sports), non-refundable fees, and losses not directly tied to travel (like business losses).

Does credit card travel insurance cover COVID-19-related issues?

Coverage for COVID-19 varies by issuer. Some cards may cover trip cancellations or interruptions due to COVID-19, while others may not. Check your card’s terms for specifics.

Can I rely solely on credit card travel insurance?

While helpful, credit card travel insurance may have coverage limits and exclusions. Consider purchasing additional travel insurance for more comprehensive protection.

How can I find out the coverage limits and exclusions of my credit card travel insurance?

Review the benefits guide provided by your credit card issuer or contact them directly to get detailed information on coverage limits, exclusions, and claim procedures.

Is credit card travel insurance reliable?

Travel insurance that come with credit cards are just as reliable as standard travel insurance but they are less flexible and often do not cover pre-existing conditions and seniors. Credit card travel insurance might not be suitable for everyone. Make sure you read the terms and conditions.

Alternatives to Credit Cards with Travel Insurance

If you travel insurance credit card is not suitable for you then there are other credit cards that might be suitable for traveller and complement standard travel insurance polices such as:

Frequent Flyer Credit Cards

If you travel frequently then a Frequent Flyer Credit Card might be a suitable option for you. Frequent flyer credit cards are tailored to frequent flyers and offer benefits frequent travellers would enjoy such as free travel insurance, Airport lounge access and more.

Rewards Credit Cards

Rewards credit cards allow you to earn reward points which can be redeemed for flights, upgrades, products or even cash back.

Airpoints Credit Cards

Airpoints credit cards are credit cards that allow you to earn Air New Zealand Airpoints Dollars by using your card for purchases. Airponts earned can be redeemed for with Air NZ for flights, upgrades or travel related expenses, or at the Airpoints store which allows you to redeem your points with several New Zealand retailers.

Low Interest Rate Credit Cards

If you are planning to carry a balance on your credit card then a low interest credit card might be a better option than a frequent flyer credit as it will help you save on the interest charge on your credit card balance.

Travel Credit Cards

Both domestic and international regular travelers could benefit from Travel credit cards. Travel credit cards usually allow you to earn points on your spending that can be redeemed for flights, accommodation, and other travel-related expenses. NZ Travel credit card also often include benefits such as free travel insurance and concierge service.

Interest Free Credit Cards

An Interest Free Credit Card is a credit card that charges 0% interest for the first few months or more. Interest free credit cards allow you to make a purchase and pay no interest for a fixed period.

We’ve also put together a list of some of the best credit cards in NZ to help you find the right card, alternatively you can browse through all NZ Credit Cards from our home page using the filters provided to find a suitable card.