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 No Annual Fee travel insurance: what cover do you actually get?
Virgin Money·$0/year·Visa·None
0,0/5Independent review · verified October 2026
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Our Verdict · Travel Insurance
Our take on travel insurance for the Virgin Money No Annual Fee
Expert review · Pauline LauroreAuthor of HelloSafe's card insurance reviews
No travel insurance. None at all. Here is what that gap means before you fly. The Virgin Money No Annual Fee travel insurance search ends the same way every time: there is no complimentary cover on this card, and there never has been. Most people assume any Visa quietly insures overseas trips. This one does not. Charge a flight to it and you are still uninsured the moment you land, so a hospital admission in Bali, commonly $50,000 to $200,000, sits entirely on you. Medicare stops at the airport. A standalone travel policy starts at a few dollars a day for a short trip and covers the medical, cancellation and baggage this card leaves open. If you never travel, the missing cover costs you nothing. If you do, treat this as a payments card and buy insurance separately.
What works on travel
- No annual fee: you are not paying for travel cover you do not receive
- Up to 55 days interest free on purchases when the balance is cleared each statement
- Visa Zero Liability protects you against unauthorised transactions
Where travel breaks down
- No overseas emergency medical cover: a serious hospital admission abroad, often $50,000 to $200,000, is entirely yours
- No trip cancellation: prepaid flights and hotels are not refundable through the card
- No domestic or interstate flight cover: delays and cancellations within Australia are out of pocket
- 3.3% foreign transaction fee on overseas and foreign-currency spending
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 No Annual Fee Travel Insurance actually cover?
No overseas emergency medical cover. The card includes no travel insurance and no assistance line. 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 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.
No emergency 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. The cost of rebooking to reach a destination after a delay is out of pocket.
No return home 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 luggage 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 lost passport and covering fraudulent transactions after a theft are 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 cover. This benefit is not included with this card. There is no lump sum payment for accidental death or serious injury while travelling.
No loss of income cover. This benefit is not included with this card. Lost earnings after a travel injury are not compensated.
No domestic cancellation cover. This benefit is not included with this card. Cancelled interstate flights and prepaid domestic bookings 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 costs from a disrupted interstate trip are out of pocket.
No domestic luggage cover. This benefit is not included with this card. Lost or damaged bags on a domestic flight are not reimbursable.
No domestic luggage delay cover. This benefit is not included with this card. Essential purchases during a domestic bag 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 No Annual Fee 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
No Annual FeeThis card0.0/5?
$0/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 No Annual Fee stacks up against the alternatives
Same 5 coverage dimensions, ranked head-to-head against the cards most No Annual Fee shoppers also consider.
| Card | This card No Annual Fee Virgin Money · $0/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 No Annual Fee
Real experiences on service, fees and the missing cover 196 reviews
AK
Ashley K (ProductReview)
Easier to deal with for Velocity flyers
I like virgin money with velocity points, they're easier to deal with than qantas and have more flights across asia
AS
Amro S. (ProductReview)
Worst card, dated web platform
Worst card ever, the web platform is something from the 90s, and the app is useless.
BB
Benjamin B. (ProductReview)
Clunky site and offshore support
Website is from 19999 with clunky UI and confusing features. Foreign call centres that can't do anything.
Emergency · Card assistance line
How to contact Virgin Money No Annual Fee assistance?
Card support (Australia)
13 37 39
8am to 8pm Mon-Fri, 9am to 5pm Sat AEST
Overseas card support
+61 2 8288 2222
Reverse charge via the local international operator · Lost or stolen card
Benefit administrator: None. The Virgin Money No Annual Fee card carries no complimentary insurance, so there is no insurer or benefit administrator.
Claims & pre-authorizations
Is there anything to claim on the No Annual Fee card?
1
Step 1: Understand there is no insurance to claim
The Virgin Money No Annual Fee card has no complimentary travel, rental or purchase insurance, so there is no insurer, booklet or claims portal attached to it. There is nothing to lodge for a medical, cancellation, baggage or purchase loss.
2
Step 2: Dispute fraud, not a benefit
The only card protection is Visa Zero Liability for unauthorised transactions. Report a suspicious charge or a lost or stolen card to Virgin Money on 13 37 39 in Australia, or +61 2 8288 2222 from overseas, and ask for the transaction to be disputed.
3
Step 3: For real cover, hold a separate policy
For medical, cancellation, baggage or rental excess claims, you need a standalone travel insurance policy bought before you travel. Claims then go through that insurer, not Virgin Money, using the documents that policy requires.
FAQ
What people ask about the Virgin Money No Annual Fee
- There is nothing to activate, because the Virgin Money No Annual Fee card does not include complimentary travel insurance. No spend threshold, no return-ticket rule and no registration switches any cover on, since there is no policy behind the card. This is not a benefit you have forgotten to trigger; it was never offered on this card. The bank's complimentary insurance booklet covers only the Velocity High Flyer and Velocity Flyer. If you want travel cover, you need a standalone travel insurance policy, bought separately before you leave.
- No one is covered, because the card carries no complimentary travel, rental or purchase insurance. On cards that do include cover, the policy usually extends to the cardholder, a spouse or partner, and dependent children travelling with them. None of that applies here, since there is no group policy attached to the Virgin Money No Annual Fee card. Additional cardholders share the account but gain no insurance either. For any real protection, each traveller needs their own travel insurance policy.
- It does not work, because there is no rental vehicle excess cover on the Virgin Money No Annual Fee card, for hires in Australia or overseas. If you damage a hire car, the rental company charges you the excess, commonly $2,000 to $5,500, and this card reimburses none of it. Some credit cards reimburse that excess when you charge the full rental to the card, but this one does not. A standalone rental excess policy covers both Australian and overseas hires from a few dollars a day.
- There is no travel or purchase insurance to claim on, so there is no insurer or claims line for cover on the Virgin Money No Annual Fee card. The only thing you can dispute is an unauthorised or fraudulent transaction, handled under Visa Zero Liability by contacting Virgin Money directly. For a lost or stolen card, call 13 37 39 in Australia or +61 2 8288 2222 from overseas. None of that is an insurance claim. For medical, cancellation or baggage claims, you would need a separate travel insurance policy.
- The simplest way to put it: the Virgin Money No Annual Fee card excludes everything, because it includes no complimentary insurance at all. There is no overseas medical cover, no trip cancellation, no baggage or delay cover, no rental vehicle excess, no purchase protection and no extended warranty. The card's own disclosure lists all seven insurance types as not included. Medicare does not cover you overseas, so the medical gap is the one that matters most. Treat this as a payments card, and buy travel and purchase cover separately if you need it.
- No, the Virgin Money No Annual Fee card does not include mobile phone or smartphone screen insurance. The card's disclosure lists smartphone screen insurance as not included, so a cracked or damaged phone is not covered. A flagship screen repair typically runs $200 to $600, and a full replacement far more, all of which is out of pocket. Some premium cards bundle phone cover when you pay the monthly bill on the card, but this one does not. Standalone mobile insurance or your home contents policy would be the alternatives to consider.
- No, the Virgin Money No Annual Fee card does not cover skiing, snowboarding or any snow sports, because it carries no travel insurance of any kind. On cards that do include travel cover, on-piste skiing is often included while off-piste and racing are excluded. Here there is no policy at all, so an injury on the slopes, whether in Australia or overseas, is entirely your cost. Overseas medical evacuation from a ski resort can run into tens of thousands of dollars. A dedicated snow travel insurance policy is the only way to cover this.
- It is not enough for overseas travel on its own, because the Virgin Money No Annual Fee card includes no travel insurance. Charging your flights to it does not insure the trip, and Medicare stops working the moment you leave Australia. A serious hospital admission overseas can run $50,000 to $200,000, none of which this card covers. For any overseas trip, pair the card with a standalone travel insurance policy that covers medical, cancellation and baggage. Used purely as a spending card with no annual fee it is fine; as travel cover, it does nothing.
- Yes, the Virgin Money No Annual Fee card charges a 3.3% foreign transaction fee on purchases made overseas or online in a foreign currency. On a $2,000 overseas spend, that adds about $66 in fees. The card has a $0 annual fee and up to 55 interest-free days on purchases, but the foreign transaction fee makes it a weak choice for regular overseas spending. If you travel often, a card with no foreign transaction fee would save you more than this card's missing annual fee. The fee applies whenever the transaction is in a foreign currency, even if the merchant looks local.
Not just Virgin Money
Other cards worth considering
No Annual Fee 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
