No trip cancellation. This benefit is not included with this card. Prepaid flights, hotels, and tours are not reimbursable if you cancel. A standalone travel insurance policy is required for this coverage.
Virgin Money Low Rate travel insurance: what cover do you actually get?
Virgin Money·$99/year·Visa
0,0/5Independent review · verified October 2026
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Our Verdict · Travel Insurance
Our take on travel insurance for the Virgin Money Low Rate
Expert review · Pauline LauroreAuthor of HelloSafe's card insurance reviews
Cheap to hold. Uninsured the moment you fly. The Virgin Money Low Rate travel insurance that some cardholders assume is bundled here simply does not exist. Picture a hospital admission in Bali where the front desk wants a payment guarantee before treatment: that cost is yours. Most people expect any Virgin Money card to carry the same cover as the Velocity High Flyer, but the Product Disclosure Statement (the official policy booklet) never lists the Low Rate at all. Medicare pays nothing outside Australia, and a serious overseas hospital stay runs $50,000 to $200,000. A standalone travel policy covers that same night in Bali from a few dollars a day, with no card to activate first. If this card stays home for everyday spending, the gap costs you nothing; the day you book an overseas trip, you are on your own until you buy cover yourself.
What works on travel
- Nothing to activate: there is no prepaid-travel spend threshold to meet, because no travel policy is attached to this card
- No age limit and no per-trip duration cap to catch you out, since there is no travel cover to age out of
- The position is unambiguous: the booklet never lists the Low Rate, so there is no fine print to misread
Where travel breaks down
- No overseas emergency medical: hospital, treatment and evacuation costs are entirely yours, and Medicare does not apply outside Australia
- No trip cancellation: prepaid flights, hotels and tours are unrecoverable through this card if you cancel
- No luggage, delay or missed-connection cover: every disruption expense on an overseas trip is out of pocket
- No personal liability cover overseas: a third-party injury or property damage claim is uninsured
- No domestic interstate cover: there is no Virgin Money travel policy on this tier at all
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 Low Rate Travel Insurance actually cover?
What's not covered
- Cancellation cover is limited to the Virgin Australia Velocity High Flyer Card
- The Low Rate is not listed for any travel cover in the booklet
No overseas emergency medical cover. This benefit is not included with this card. 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.
What's not covered
- International Travel Insurance is limited to the Virgin Australia Velocity High Flyer Card
- Charging overseas travel to the Low Rate does not create any medical cover
No emergency evacuation or repatriation cover. This benefit is not included with this card. Emergency evacuation costs are entirely the cardholder's responsibility. An air ambulance from Southeast Asia to Australia runs $60,000 to $100,000.
What's not covered
- Overseas emergency assistance sits inside the High Flyer International Travel Insurance only
- Repatriation of remains is likewise not covered on this card
No emergency dental cover. This benefit is not included with this card. Emergency dental treatment overseas is out of pocket.
What's not covered
- Overseas emergency dental is part of the High Flyer International Travel Insurance only
No hospital cash allowance. This benefit is not included with this card. There is no daily cash payment if you are admitted to hospital overseas.
What's not covered
- Hospital cash allowance is part of the High Flyer International Travel Insurance only
No additional expenses cover. This benefit is not included with this card. Costs from a trip cut short, including return flights and unused accommodation, are out of pocket.
What's not covered
- Additional expenses cover is part of the High Flyer International Travel Insurance only
No travel delay cover. This benefit is not included with this card. Meals, accommodation, and transport during a delay are the cardholder's responsibility.
What's not covered
- Travel delay expenses are part of the High Flyer International Travel Insurance only
No alternative transport cover. This benefit is not included with this card. The cost of rebooking to reach your destination after a missed connection is out of pocket.
What's not covered
- Alternative transport expenses are part of the High Flyer International Travel Insurance only
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.
What's not covered
- Return home and resumption of journey sits inside the High Flyer International Travel Insurance only
No luggage delay cover. This benefit is not included with this card. Purchases of essential items during a bag delay are out of pocket.
What's not covered
- Luggage delay cover is part of the High Flyer travel policies only
No luggage or personal effects cover. This benefit is not included with this card. Replacement costs for lost or stolen bags are the cardholder's responsibility.
What's not covered
- Luggage and personal effects cover is part of the High Flyer travel policies only
- The Low Rate has no purchase protection either, so an individual item is not covered that way
No travel documents cover. This benefit is not included with this card. Replacing a stolen passport or covering fraudulent card use overseas is at your own cost.
What's not covered
- Travel documents, transaction cards and cash cover is part of the High Flyer International Travel Insurance only
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.
What's not covered
- Personal liability cover is part of the High Flyer International Travel Insurance only
No accidental death benefit. This benefit is not included with this card. There is no lump sum payable to your family if you die in an accident while travelling.
What's not covered
- Accidental death cover is part of the High Flyer travel policies only
No loss of income benefit. This benefit is not included with this card. If an overseas injury stops you working, there is no income replacement from this card.
What's not covered
- Loss of income cover is part of the High Flyer International Travel Insurance only
No domestic cancellation cover. This benefit is not included with this card. Prepaid interstate flights and accommodation are not reimbursable if you cancel.
What's not covered
- Domestic Travel Insurance requires a Virgin Australia Velocity High Flyer Card
- The Low Rate is not listed for any domestic travel cover
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.
What's not covered
- Domestic Travel Insurance is limited to the Virgin Australia Velocity High Flyer Card
No domestic additional expenses cover. This benefit is not included with this card. Extra travel and accommodation costs on an interstate trip are out of pocket.
What's not covered
- Domestic Travel Insurance is limited to the Virgin Australia Velocity High Flyer Card
- No domestic medical benefit exists on any tier, because Medicare covers treatment in Australia
No domestic luggage cover. This benefit is not included with this card. Bags lost or damaged on an interstate flight are not covered by this card.
What's not covered
- Domestic Travel Insurance is limited to the Virgin Australia Velocity High Flyer Card
No domestic luggage delay cover. This benefit is not included with this card. Essential purchases while you wait for a delayed bag on an interstate trip are out of pocket.
What's not covered
- Domestic Travel Insurance is limited to the Virgin Australia Velocity High Flyer Card
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 Low Rate 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
Low RateThis card0.0/5?
$99/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 Low Rate stacks up against the alternatives
Same 5 coverage dimensions, ranked head-to-head against the cards most Low Rate shoppers also consider.
| Card | This card Low Rate Virgin Money · $99/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 Low Rate
Real experiences on the low rate, the fees and the service 6 reviews
TJ
Tim Jonas-Richards (CreditCard.com.au)
One of the cheapest rates around
Super low interest rates. If you want a cheap card you can't get much better than this. One of the cheapest rates around I think.
TØ
Torsten Ø. (ProductReview)
Worst customer service, times ten
Simply the worst. I wish I had never cancelled my Amex and gone with this company.
K(
Kington (ProductReview)
Poor customer service and hidden fees
I did a balance transfer and didn't read the small print. Ended up paying 20% fee's on all purchases on the card.
Emergency · Card assistance line
How to contact Virgin Money Low Rate assistance?
Virgin Money card services (Australia)
13 37 39
8.00am to 8.00pm Monday to Friday, 9.00am to 5.00pm Saturday AEST
Virgin Money from overseas
+61 2 8288 2222
Call reverse charges via the international operator in the country you are in · For card servicing and lost or stolen cards. This card has no complimentary insurance, so there is no travel assistance line.
Benefit administrator: None. The Low Rate carries no complimentary insurance, so there is no insurer or claims administrator. Virgin Money credit cards are issued by NAB and serviced on 13 37 39.
Claims & pre-authorizations
How claims work on the Low Rate
1
Step 1: Check what cover you actually hold before you look for a claim line
The Low Rate has no complimentary travel, rental excess, purchase or warranty insurance, so there is no policy to claim on. Do not expect a payout for an overseas medical bill, a cancelled trip, a hire-car excess or a damaged purchase. If you need any of these covered, you have to arrange a standalone policy separately, ideally before you travel or buy.
2
Step 2: For a lost or stolen card, or a disputed transaction, call Virgin Money
Call Virgin Money on 13 37 39 within Australia, 8.00am to 8.00pm Monday to Friday and 9.00am to 5.00pm Saturday AEST, or +61 2 8288 2222 from overseas. You can also freeze the card and order a replacement in the Virgin Money app. For a disputed or fraudulent transaction, raise a chargeback with Virgin Money, since the card issuer, not an insurer, handles that.
3
Step 3: For travel, rental or purchase cover, claim on your standalone policy
Any travel medical, cancellation, luggage, rental excess or purchase claim goes to whatever standalone insurer you bought cover from, not to Virgin Money or NAB. Keep receipts, police reports for theft, and itemised accounts for medical costs, and lodge within that policy's deadline. Buy the cover when you book a trip or make a major purchase, so it is in force when something goes wrong.
FAQ
What people ask about the Virgin Money Low Rate
- There is nothing to activate, because the Virgin Money Low Rate does not include complimentary travel insurance. The Virgin Money Credit Cards Complimentary Insurance Policy Information Booklet, effective 15 May 2026, does not list this card under any cover. International Travel Insurance, Domestic Travel Insurance and Rental Vehicle Excess Insurance are limited to the Velocity High Flyer Card, and Purchase Protection and Extended Warranty go to the High Flyer and Velocity Flyer only. Charging your flights to the Low Rate will not switch on any cover, no matter how much you spend. For an overseas trip, arrange a standalone travel insurance policy before you leave.
- No one, because the Low Rate carries no complimentary insurance. There is no travel, rental excess, purchase or warranty cover on this card, so there is no covered-persons definition, no spouse or dependant cover, and no additional-cardholder benefit. The booklet's eligibility rules for cardholders, partners and dependent children all attach to the Velocity High Flyer and Velocity Flyer tiers, not this one. If you need cover for yourself or your family on a trip, it has to come from a separate policy. A standalone travel insurance policy can cover a couple or a family under one plan.
- It does not, because the Low Rate has no rental vehicle excess cover. Rental excess cover reimburses the excess, the amount a hire company makes you pay towards damage or theft, rather than repairing the vehicle, and this card offers neither overseas nor Australian excess cover. The booklet places Rental Vehicle Excess Insurance on the Velocity High Flyer Card only, where it pays the agreement excess up to $10,000 for the rental period with a $100 excess per claim. On the Low Rate, a damaged hire car leaves the full agreement excess with you, commonly $2,000 to $5,500. Take the hire company's excess-reduction product or buy a standalone rental excess policy.
- There is no complimentary insurance on the Low Rate, so there is no insurer to lodge a claim with. For a lost or stolen card, or a disputed or fraudulent transaction, call Virgin Money on 13 37 39 within Australia, 8.00am to 8.00pm Monday to Friday and 9.00am to 5.00pm Saturday AEST, or +61 2 8288 2222 from overseas. Virgin Money credit cards are issued by NAB, and the card issuer handles chargebacks, not an insurer. Any travel, rental excess or purchase claim goes to whatever standalone policy you bought separately, so keep your receipts and lodge within that policy's deadline.
- Everything on the insurance side. There is no overseas emergency medical cover, no evacuation, no trip cancellation, no luggage or delay cover, and no domestic interstate cover. There is also no rental vehicle excess cover, no roadside assistance, no purchase protection, no extended warranty and no mobile phone insurance. The card is a low-interest Visa positioned on its 12.99% purchase rate and up to 55 days interest free, not on benefits. Treat any travel, hire-car or new-purchase risk as uninsured unless you arrange separate cover, and factor the $99 annual fee against a card that carries no complimentary insurance at all.
- It is not enough on its own, and you need a separate travel policy. The Low Rate carries no international or domestic travel insurance, so an overseas medical bill, a cancelled trip or delayed luggage sits entirely with you. Medicare does not cover treatment outside Australia, a serious hospital admission overseas can run $50,000 to $200,000, and an air ambulance home from Southeast Asia adds $60,000 to $100,000. Standalone travel insurance covers those scenarios with no spend threshold to activate and no dependence on which card paid for the trip. Buy the policy when you book, so cancellation cover applies to money you have already committed.
- No. The Virgin Money Low Rate has no mobile phone insurance, and no purchase protection to fall back on either, unlike the Velocity Flyer and High Flyer where a new handset is a covered item for 90 days. On the Low Rate, a cracked screen or a stolen phone is entirely your cost, and a flagship screen repair runs $200 to $600 while a replacement handset can be well over $1,000. The booklet contains no standalone phone or screen benefit on any tier. If phone cover matters to you, look at a dedicated device insurance policy or a card tier that includes purchase protection.
- No, because the Low Rate has no travel insurance of any kind, so there is nothing to extend to snow sports. On-piste skiing, meaning skiing on marked open runs, and off-piste skiing are equally uncovered here, along with medical treatment, evacuation off a mountain and damage to your gear. That matters most on an overseas ski trip, where a helicopter evacuation and surgery can reach six figures and Medicare does not apply. For a domestic snow trip Medicare covers your treatment in Australia, but transport off the mountain and unused lift passes are still yours. A standalone travel policy with a snow-sports section is the only route to cover, and most still exclude off-piste.
- Yes, but only the top tier, not the Low Rate. The Virgin Money booklet gives International and Domestic Travel Insurance, plus Rental Vehicle Excess Insurance in Australia, to the Velocity High Flyer Card only. The Velocity Flyer carries Purchase Protection and Extended Warranty but no travel cover, and the Low Rate, Anytime Rewards and No Annual Fee cards carry no complimentary insurance at all. So Virgin credit card travel insurance exists, but it is tied to the High Flyer's higher annual fee and its activation rules, such as charging at least $500 of prepaid travel to the card. If you hold the Low Rate, you need a standalone travel policy for any overseas trip.
Not just Virgin Money
Other cards worth considering
Low Rate 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
