No trip cancellation cover. This benefit is not included with the Clear Options Gold, which is not an eligible card under the Suncorp insurance booklet. Prepaid flights, hotels, and tours are not reimbursable if you cancel, and a standalone travel insurance policy is required for this coverage.
Does the Suncorp Clear Options Gold come with travel insurance?
Suncorp Bank·$129/year·Visa·None (card not eligible for complimentary insurance)
0,0/5Independent review · verified October 2026
0,0
0,0
0,0
Our Verdict · Travel Insurance
Our take on travel insurance for the Suncorp Bank Clear Options Gold
Expert review · Pauline LauroreAuthor of HelloSafe's card insurance reviews
No travel insurance on the Gold. Not a cent of it. Here is the straight answer to the search for Suncorp Clear Options Gold travel insurance: cover sits on the Clear Options Platinum and Plus cards, and the Gold is not on the eligible list in Suncorp's insurance booklet. So you book a trip and assume a Visa this size brings some cover with it. It doesn't, and the 3.4% foreign transaction fee means every overseas tap costs a little extra on top. What the card leaves you is 55 interest-free days and a rewards point per dollar, useful at home, worth nothing at an overseas hospital. For the trip itself, overseas medical, cancellation, or evacuation, a standalone travel insurance policy starts from a few dollars a day and is the only route this card leaves open.
What works on travel
- Up to 55 interest-free days: room to clear trip spending in full before any interest applies
- Up to 4 additional cardholders at no cost: partner or family cards for shared travel spending
- 1 Suncorp Rewards point per $1 spent, capped at $1,500 a month: points keep accruing on travel bookings
Where travel breaks down
- No overseas emergency medical cover: a serious hospital admission abroad, commonly $50,000 to $200,000, is entirely on you
- No complimentary travel insurance on the Gold tier: cover is reserved for the Clear Options Platinum and Plus cards
- 3.4% foreign transaction fee: every overseas or foreign-currency purchase costs extra
- Every travel benefit reads not available: no cancellation, baggage, delay, evacuation, or liability cover
Our methodology
Every score is derived from official bank documents: terms and conditions, benefit guides, and claim procedures. No commercial relationship influences our ratings.
Travel Insurance · 20 guarantees
What does Suncorp Bank Clear Options Gold Travel Insurance actually cover?
No overseas emergency medical cover. There is no 24/7 assistance line attached to this card, because the Clear Options Gold is not eligible for complimentary insurance. All medical costs overseas are the cardholder's responsibility, Medicare does not cover you outside Australia, and a serious hospital admission overseas can run $50,000 to $200,000.
No emergency evacuation cover. This benefit is not included with the Clear Options Gold. Emergency evacuation costs are entirely the cardholder's responsibility, and an air ambulance from Southeast Asia to Australia runs $60,000 to $100,000.
No overseas dental cover. This benefit is not included with this card. Emergency dental treatment overseas is out of pocket.
No hospital cash allowance. This benefit is not included with this card. A daily cash payment during an overseas hospital stay is not provided.
No additional expenses cover. This benefit is not included with this card. Costs from a trip cut short, such as return flights and unused hotels, are out of pocket.
No travel delay cover. This benefit is not included with this card. Meals, accommodation, and transport during a delay are the cardholder's responsibility.
No alternative transport cover. This benefit is not included with this card. Rebooking to reach a destination after a missed connection is paid out of pocket.
No resumption of journey cover. This benefit is not included with this card. The cost to fly home and resume a trip after a family emergency is out of pocket.
No baggage delay cover. This benefit is not included with this card. Purchases of essential items during a bag delay are out of pocket.
No baggage cover. This benefit is not included with this card. Replacement costs for lost or stolen bags are the cardholder's responsibility.
No travel documents cover. This benefit is not included with this card. Reissuing a stolen passport and covering fraudulent card transactions are paid out of pocket.
No personal liability cover. This benefit is not included with this card. Legal liability for injury to others or property damage overseas is uninsured, and claims commonly reach hundreds of thousands of dollars.
No accidental death benefit. This benefit is not included with this card. No lump sum is paid to your family for an accidental death during a journey.
No loss of income benefit. This benefit is not included with this card. Lost earnings after an overseas injury that stops you working are not replaced.
No domestic cancellation cover. The Interstate Flight Inconvenience benefit does not apply to this card. Cancelled prepaid interstate flights and travel are not reimbursable.
No domestic flight delay cover. This benefit is not included with this card. Meals and accommodation during an interstate flight delay are the cardholder's responsibility.
No domestic additional expenses cover. This benefit is not included with this card. Extra interstate travel and accommodation after a disruption are out of pocket.
No domestic luggage cover. This benefit is not included with this card. Loss, theft, or damage to bags on an interstate trip is not reimbursable.
No domestic luggage delay cover. This benefit is not included with this card. Essential purchases during an interstate baggage delay are out of pocket.
We source benefits from official card guides, but PDFs are sometimes hard to obtain or update. Spotted something off?
Coverage Radar
Where the Suncorp Bank Clear Options Gold wins, where it loses
Coverage snapshot for this tab — click any layer to highlight its scores.
Trip cancellation: not covered by this card
Medical fees abroad: not covered by this card
Medical repatriation: not covered by this card
Compare
Clear Options GoldThis card0.0/5?
$129/yrWith travel insuranceIdeal
Complete coverage · 5.0 / 5Premium card avg.
$235 avg. annual feeClick a layer to highlight its scores on the radar.
Side-by-side comparison
How the Suncorp Bank Clear Options Gold stacks up against the alternatives
Same 5 coverage dimensions, ranked head-to-head against the cards most Clear Options Gold shoppers also consider.
| Card | This card Clear Options Gold Suncorp Bank · $129/yr 0.0/5? | Vertigo Platinum St.George · $99/yr 4.3/5? | Amplify Signature Bank of Melbourne · $295/yr 4.3/5? | |
|---|---|---|---|---|
Trip cancellation Per person, per trip cap | Not covered Cover this gap → | Unlimited Unlimited (all prepaid) | Unlimited Unlimited | |
Emergency medical Hospital bills abroad | Not covered Cover this gap → | Unlimited Unlimited | Unlimited Unlimited | |
Emergency evacuation Air ambulance + repatriation | Not covered Cover this gap → | Unlimited Unlimited evacuation | Unlimited Unlimited evacuation | |
Trip delay trigger Hours before benefits kick in | Not covered Cover this gap → | 6h / $1,100 Trigger: 6 hours | 6h / $1,100 Trigger: 6 hours | |
Trip interruption Covered amount | Not covered Cover this gap → | Unlimited Extra travel & accommodation | Unlimited Extra travel & accommodation |
StrongLimited / misleadingNot covered
Data verified against each card's Guide to Benefits, May 2026.
Cardholder reviews
What cardholders say about the Suncorp Bank Clear Options Gold
Real experiences on rewards, rates, and service 4 reviews
J(
jarcel (ProductReview)
Good and honest
I have the card linked to my other accounts and I have never had any hassles with Suncorp.
G(
Gourmetcook (ProductReview)
Avoid Suncorp they do not listen
Avoid Suncorp they do not listen. When we joined them 25 years ago they were the best bank.
B(
Beno74 (ProductReview)
Good card but inflexible
Great card, however very inflexible and difficult to change even if you have a long standing flawless history with them.
Emergency · Card assistance line
How to contact Suncorp Bank Clear Options Gold assistance?
Suncorp Bank card servicing (Australia)
13 11 55
Card and account queries
Suncorp Bank card servicing (from overseas)
+61 7 3362 0257
Standard international call rates · Card and account queries, not travel claims
Benefit administrator: Not applicable. This card has no complimentary insurance, so there is no insurer or claims administrator to contact.
Claims & pre-authorizations
What to do if you need cover with the Clear Options Gold
1
Step 1: Confirm the gap before you travel
The Clear Options Gold carries no complimentary travel, rental, or purchase insurance, so there is nothing to claim through Suncorp Bank or Allianz. Do not assume the Visa logo insures the trip.
2
Step 2: Buy a standalone policy for the trip or hire car
A dedicated travel insurance policy is the only source of overseas medical, cancellation, and rental excess cover for this card. Buy it before you leave Australia, and read the pre-existing condition terms if they apply to you.
3
Step 3: For a lost card or a disputed charge, call Suncorp Bank
Contact Suncorp Bank card servicing on 13 11 55 within Australia, or +61 7 3362 0257 from overseas, for a lost or stolen card, fraud, or a disputed transaction. This line does not handle travel or insurance claims.
FAQ
What people ask about the Suncorp Bank Clear Options Gold
- You cannot, because there is no travel insurance to activate. The Suncorp Clear Options Gold is not an eligible card under the Suncorp Bank Credit Cards Complimentary Insurance Policy Information Booklet (Product Disclosure Statement, the policy booklet), which lists only the Clear Options Platinum and Clear Options Plus cards. Holding the Gold, or spending on it, does not switch any cover on. If you want overseas medical, cancellation, or baggage protection for a trip, the only route is a standalone travel insurance policy bought before you leave Australia.
- No one. The Suncorp Clear Options Gold has no complimentary travel, rental, or purchase insurance, so there is no cover for the cardholder, a spouse or partner, or dependent children. Complimentary cover on the Clear Options range is limited to the Platinum and Plus cards. On those eligible cards, cover can extend to a spouse and accompanying dependent children on the same trip, but the Gold is not on that eligible-card list. To protect anyone on a trip, take out a separate travel insurance policy that names each traveller.
- It does not, because the card carries no rental vehicle excess cover at all. Rental Vehicle Excess Insurance (which reimburses the excess the hire company charges you towards damage or theft) sits inside the Suncorp complimentary insurance reserved for the Clear Options Platinum and Plus cards, not the Gold. So if a hire car is damaged or stolen, the excess is entirely on you, commonly $2,000 to $5,500 on an Australian hire. A standalone rental vehicle excess policy covers both Australian and overseas hires and is the only way to shift that cost off this card.
- There is nothing to claim, because this card has no complimentary insurance. The Suncorp Clear Options Gold is not an eligible card under the insurance booklet, so neither Suncorp Bank nor its insurer Allianz will accept a travel, rental, or purchase claim tied to this card. If you bought a standalone travel policy for your trip, claim through that insurer using the contact details in its own policy document. For a lost or stolen card, fraud, or a disputed transaction, call Suncorp Bank on 13 11 55 within Australia or +61 7 3362 0257 from overseas, though that line does not handle insurance claims.
- The short answer is everything on the insurance side. The Suncorp Clear Options Gold has no overseas emergency medical cover, no evacuation, no trip cancellation, no baggage or delay cover, no personal liability, and no domestic interstate cover. It also has no rental vehicle excess cover, no purchase protection, no extended warranty, no price guarantee, and no mobile phone insurance. None of these are included, because the Gold is not an eligible card under the Suncorp insurance booklet. What the card offers is up to 55 interest-free days and Suncorp Rewards points, so it is a rewards card, not an insurance product, and it charges a 3.4% foreign transaction fee overseas.
- No. The Suncorp Clear Options Gold does not come with any complimentary travel insurance. Complimentary International and Domestic Travel Insurance on the Clear Options range is limited to the Clear Options Platinum and Clear Options Plus cards, which are the eligible cards named in the Suncorp Bank insurance booklet. The Gold is not on that list, so there is no overseas medical, cancellation, or baggage cover attached to it. It also charges a 3.4% foreign transaction fee, so for any overseas trip you would rely on a standalone travel insurance policy for cover.
- No. The Suncorp Clear Options Gold does not include mobile phone or screen insurance. If your phone is lost, stolen, or the screen cracks, the repair or replacement is your cost, and a flagship screen repair alone runs about $200 to $600. Some cards and standalone gadget policies do cover phones, usually on the condition that the monthly phone bill is charged to the card, but that is not part of this product. Treat your phone as uninsured under this card and budget for repairs yourself.
- Yes, and it is not optional if you want to be covered. Because the Suncorp Clear Options Gold has no complimentary travel insurance, a standalone policy is your only source of overseas emergency medical cover, which matters because Medicare pays nothing outside Australia and a serious hospital admission overseas can run $50,000 to $200,000. A separate policy also covers cancellation, baggage, and rental excess, none of which this card provides. The card also charges a 3.4% foreign transaction fee, so it is not a natural travel companion. Buy the policy before you leave, and check its pre-existing condition terms.
- No. There is no travel policy attached to the Suncorp Clear Options Gold, so skiing, snowboarding, and any snow-sports injury or equipment loss are not covered, on-piste or off-piste. On the eligible Clear Options Platinum card, on-piste snow sports are included and off-piste is excluded, but the Gold is not one of those eligible cards. For a ski or snowboard trip, take out a dedicated snow travel insurance policy, which typically covers on-piste activity and can add off-piste cover for an extra premium.
Not just Suncorp Bank
Other cards worth considering
Clear Options Gold is a strong choice — but depending on what you prioritize, one of these may suit you better.
Vertigo Platinum
St.George
Amplify Signature
Bank of Melbourne
Low Fee Platinum
Westpac
Altitude Qantas Black
Westpac
