Having a look at this.
Is this actually true, you don't need to spend a cent on the card towards your trip - just having the card itself is enough?!
How many other cards offer this?
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Am I eligible for Complimentary Overseas Travel Insurance ?
Cardholders
If you have a Bankwest Gold Mastercard, Bankwest Platinum Mastercard or Bankwest World Mastercard, you’re eligible for Complimentary Overseas Travel Insurance when you:
a. travel to an overseas destination from Australia, and
b. hold an eligible credit card at the time of loss that has been activated and is not cancelled or suspended.
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Complimentary Overseas Travel Insurance
This benefits table shows a summary of the benefits and limits available. These benefits are a limited level of travel insurance automatically provided to cardholders (for example, there is no cover for travel delay expenses, delayed luggage or existing medical conditions).
There is no cost for this cover and no requirement to spend a certain amount on prepaid travel costs by charging those costs to your eligible credit card account.
Looks like you have to apply individually for the upgraded benefits, which I take is assessed on a case by case basis.
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How to obtain Upgraded Benefits
If you want to obtain Upgraded Benefits you need to tell us that you will be travelling by:
› applying through the Bankwest website or App, or
› by calling 1300 468 340 before commencing the journey or during the journey if you are applying for an additional period of cover.
The Upgraded Benefits are a contract of insurance between us and you. A premium applies. We will issue a Certificate Of Insurance to you.