No trip cancellation cover. This benefit has never been included with the Virgin Money Anytime Rewards. Prepaid flights, hotels, and tours are not reimbursable if you cancel, and a standalone travel insurance policy is required for this coverage.
Does the Virgin Money Anytime Rewards card include any travel insurance?
Virgin Money·$149/year·Visa Platinum
0,0/5Independent review · verified October 2026
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Our Verdict · Travel Insurance
Our take on travel insurance for the Virgin Money Anytime Rewards
Expert review · Pauline LauroreAuthor of HelloSafe's card insurance reviews
No travel insurance. Not on this card, not ever. That is the plain answer behind every search for Virgin Money Anytime Rewards travel insurance. So you see a Visa Platinum badge and a $149 annual fee, and you assume a premium rewards card quietly insures the holiday. It doesn't. Virgin Money bundles no complimentary insurance here, so a hospital bill in Bali, a cancelled tour, or a bag that never turns up all land on you, with no 24/7 assistance line to ring. It is also a pricey card to travel on, since every foreign-currency purchase adds a 3.3% overseas transaction fee. Where it earns its keep is the rewards program, not protection: uncapped Virgin Money Points you can shift to Velocity or take as cashback. If you want the trip itself covered, a standalone travel insurance policy starts from a few dollars a day, and it is the only route to overseas medical, cancellation, or evacuation.
What works on travel
- Up to 55 interest-free days on purchases: cheap to carry month to month while you insure trips with a dedicated policy
- Earns uncapped Virgin Money Points: transferable to Velocity or redeemable as cashback, though that is rewards, not cover
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 at all: no cancellation, baggage, delay, evacuation, or liability cover, and none was ever offered
- 3.3% foreign transaction fee on overseas spending: a Visa Platinum badge, but a costly card to actually travel on
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 Virgin Money Anytime Rewards Travel Insurance actually cover?
No overseas emergency medical cover. There is no 24/7 assistance line attached to this card, because it carries no 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 Virgin Money Anytime Rewards. 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 Virgin Money Anytime Rewards 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
Anytime RewardsThis card0.0/5?
$149/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 Virgin Money Anytime Rewards stacks up against the alternatives
Same 5 coverage dimensions, ranked head-to-head against the cards most Anytime Rewards shoppers also consider.
| Card | This card Anytime Rewards Virgin Money · $149/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 Virgin Money Anytime Rewards
Real experiences with the fees, rewards, and the lack of any cover 30 reviews
AK
Ashley K (ProductReview)
Easy card to use day to day
Easy to use credit card, no issues. Good customer service too.
J(
John (ProductReview)
Stung on international fees
$130 for a computer to change one currency to another. How a company like Virgin can rip people off.
R(
RootingKing (ProductReview)
Useless support from overseas
The support was rude, incoherent and useless when I needed help from overseas. Zero support.
Emergency · Card assistance line
How to contact Virgin Money Anytime Rewards assistance?
Virgin Money card servicing (Australia)
13 37 39
Card enquiries and lost or stolen cards, 8am to 8pm weekdays, 9am to 5pm Saturday AEST
Virgin Money card servicing (from overseas)
+61 2 8288 2222
For customer service and lost or stolen cards from overseas, not travel claims · Lost or stolen card and account servicing, not insurance claims
Benefit administrator: Not applicable. The Virgin Money Anytime Rewards 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 Virgin Money Anytime Rewards
1
Step 1: Confirm the gap before you travel
The Virgin Money Anytime Rewards carries no complimentary travel, rental, or purchase insurance, so there is nothing to claim through Virgin Money. Do not assume a Visa Platinum rewards card insures the trip, because this one does not.
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 Virgin Money
Contact Virgin Money on 13 37 39 within Australia, or +61 2 8288 2222 from overseas, for a lost or stolen card or a disputed transaction. This line handles card servicing, not insurance claims.
FAQ
What people ask about the Virgin Money Anytime Rewards
- You cannot, because there is no travel insurance to activate. The Virgin Money Anytime Rewards has never carried complimentary travel insurance, and Virgin Money lists no complimentary insurances for this card. Holding the card, or charging a trip to it, switches nothing on, because there is no policy behind it. This is a rewards card, built to earn Virgin Money Points rather than to insure travel, and the Visa Platinum badge does not add a travel policy. If you want overseas medical, cancellation, or baggage protection, the only route is a standalone travel insurance policy bought before you leave Australia.
- No one. The Virgin Money Anytime Rewards has no complimentary travel, rental, or purchase insurance, so there is no cover for the cardholder, a spouse or partner, or dependent children. Unlike premium cards that bundle a travel policy, the Anytime Rewards has never included complimentary insurance, so there is no covered-persons definition to fall under. Charging a trip to the card changes nothing, since there is no cover to extend to a partner or family. To protect anyone on a trip, take out a separate travel insurance policy that names each traveller.
- It does not, because the Virgin Money Anytime Rewards carries no rental vehicle excess cover at all. Rental excess, the amount the hire company charges you after damage or theft, is reimbursed only by cards that bundle complimentary insurance, and the Anytime Rewards is not one of them. 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 from a few dollars a day, and it is the only way to shift that cost off this card.
- There is nothing to claim, because this card has no complimentary insurance. The Virgin Money Anytime Rewards carries no travel, rental, or purchase cover, so Virgin Money has no insurer or claims administrator attached to it for you to contact. 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 Virgin Money on 13 37 39 within Australia or +61 2 8288 2222 from overseas, though that line handles card servicing, not insurance claims.
- On the insurance side, everything. The Virgin Money Anytime Rewards 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 were ever part of the card. What the Anytime Rewards does offer is uncapped Virgin Money Points, a $149 annual fee, and up to 55 interest-free days, so it is a rewards card for everyday spend, just not an insurance product.
- Yes, and it is not optional if you want to be covered. Because the Virgin Money Anytime Rewards 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 Anytime Rewards is also an expensive card to spend on overseas, with a 3.3% fee on foreign-currency purchases, so treat it as a home card and insure the trip separately.
- No. The Virgin Money Anytime Rewards does not include mobile phone or screen insurance, and it has never carried a dedicated phone cover. 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 premium 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 the Anytime Rewards and budget for repairs yourself.
- No. There is no travel policy attached to the Virgin Money Anytime Rewards, so skiing, snowboarding, and any snow-sports injury or equipment loss are not covered, on-piste or off-piste. Premium cards with complimentary travel insurance often cover on-piste snow sports and exclude off-piste, but the Anytime Rewards carries no travel cover to begin with. 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. Do not rely on this card for anything on the mountain.
- No. Searches for Virgin Money Anytime Rewards travel insurance come up empty because the card has never included any complimentary travel cover. Virgin Money designed the Anytime Rewards around uncapped Virgin Money Points, a $149 annual fee, and up to 55 interest-free days, not around travel benefits, and it carries no complimentary insurances despite the Visa Platinum badge. That means no overseas medical, no cancellation, no baggage, and no rental excess cover. If a trip needs insuring, buy a standalone travel policy before you go, and if you spend overseas, remember the 3.3% foreign transaction fee on this card.
Not just Virgin Money
Other cards worth considering
Anytime Rewards 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
