PassportCard
Real-Time Travel Insurance
5399 •••• •••• ••••
Travel insurance that pays claims in minutes, not weeks.
PassportCard is Australia's only travel insurance with instant payouts — a prepaid card loaded the moment your claim is approved. Pay the doctor, replace the essentials, and get on with your trip. No out-of-pocket. No reimbursement wait.
Same price as going direct — you're just backed by a broker who knows the product inside out.
Why PassportCard
The way insurance should be —
quick, simple and hassle-free.
Instant payouts
- Overseas medical costs
- Stolen cash
- Delayed luggage
Award-winning cover
2025's most awarded travel insurer¹
24/7 global support
Instant payouts
The claim and the cash,
in the same phone call.
Unlimited
Medical & dental cover
Overseas medical & dental
Unlimited cover for overseas medical and dental emergencies. Approved costs are loaded straight onto your card — pay the clinic before you walk out.
$500
Instant payout, up to
Stolen cash
No cash, no holiday. Report it to the team and funds are loaded to your card so you can get on with your trip while the paperwork catches up.
$250
Instant payout, up to
Delayed luggage
Your bag took a different holiday. Essentials are covered immediately — toiletries, clothes, whatever you need to get through the first days.
The cover
What else does PassportCard cover?
Serious protection behind the clever card — for the scenarios that actually happen when you're away.
Medical emergencies
Unlimited
Overseas medical & dental, hospital and evacuation — the big-ticket risk, covered without a cap.
Luggage & belongings
Up to $25,000
Cover for lost, stolen or damaged luggage and personal effects across the whole trip.
Rental vehicle excess
Up to $10,000
If your hire car is damaged or stolen, the insurance excess or repairs are covered.
Delays & cancellation
Included
Cover if you need to cancel unexpectedly, or you're hit with costs when travel is delayed.
Optional add-ons
* Sub-limits, terms and exclusions apply. Read the Combined FSG & PDS before deciding.
How it works
Four steps. Zero paperwork panic.
Get a quote, get the card
Buy online in minutes and PassportCard sends a prepaid debit Mastercard before you fly. Add it to Apple Pay or Google Wallet and go.
Something goes wrong
A doctor's visit overseas. Cash stolen from your bag. Luggage that missed the connection. The three most common claims.
Call or WhatsApp, 24/7
The Australian-based team assesses your claim on the spot and points you to the nearest doctor, pharmacy or hospital.
Card loaded, claim paid
Funds hit your PassportCard instantly with a one-time PIN by SMS. Pay direct anywhere Mastercard is accepted, or use an ATM.
Was in the USA and my daughter was unwell and had to see a doctor at the emergency hospital… I called PassportCard and whilst I was still on the phone, in real time, the funds were loaded onto the card.
Get covered before you fly.
Two minutes for a quote. A card in your wallet before you leave. And if "it" happens — money in minutes, not weeks.
You'll be taken to PassportCard's secure quote portal. Same price — Still Travelling may receive a referral fee.
Questions
Straight answers.
PassportCard travel insurance is issued by PassportCard Australia Pty Ltd (ABN 76 621 476 220, AFSL 551057) under a binding authority from the insurer, Guild Insurance Ltd (ABN 55 004 538 863, AFSL 233791) — an Australian insurer with more than 60 years behind it.
The PassportCard is a prepaid debit Mastercard issued with your policy. It starts with nil value. If you have an approved claim while travelling — overseas medical, stolen cash or delayed luggage — the 24/7 team loads the funds onto the card in real time and texts you a one-time PIN. You then pay the provider directly anywhere Mastercard is accepted, or withdraw from an ATM. Using the card is optional; you can always claim the traditional way instead.
No. You pay the same premium as going direct. We have a referral arrangement with PassportCard and may receive a commission if you buy through our link — at no extra cost to you. We recommend PassportCard because, from a broker's perspective, the instant claims experience is the best in the industry.
Some pre-existing conditions are covered automatically, and many others can be assessed and added. Disclose your conditions during the quote process and check the Combined FSG & PDS for the full criteria before you buy.
As soon as you've booked. Cancellation cover starts from the date your policy is issued, so buying early means you're protected if something forces you to change plans. The card arrives before you fly — or use the digital card in your phone wallet.