Qantas Travel Insurance Review: What Does It Cover and Who Underwrites It?
Our Qantas travel insurance review breaks down the available policies, what they cover, and who underwrites them.


*Pricing claim based on comparative data for select airports and passes. Live pricing is subject to exchange rate fluctuations.
📱Find out how to get lounge access
If you’ve been hoarding points for a dream trip to Europe or a business class upgrade, the last thing you want is to log in and find a balance of zero. The good news is that keeping your points alive is surprisingly easy—if you know the rules.
In this guide, we’ll break down exactly when Qantas points expire and how you can keep your account active. You can also learn more about the Wise card, an easy way to stretch your dollars when paying in foreign currencies.
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While Qantas points do have an expiry date, they only vanish if your account sits idle for a long period. To maintain your balance, you simply need to earn or spend at least one point every 18 months.1
Think of this as a rolling deadline. Every time you complete an eligible activity, like booking a flight, scanning your card at Woolworths, or even earning points through the Qantas Wellbeing app, the 18-month timer resets from that date. If your account remains completely inactive for 18 consecutive months, your points will expire at midnight (Sydney time) on the last day of that month.
Because your expiry date resets every time you earn or spend a point, Qantas doesn't display an expiry date on your main profile. To determine your current expiry deadline, you’ll need to identify the date of your most recent activity:
To stay on top of your balance, you can opt-in to the Frequent Flyer e-newsletter. This is an easy way to get a heads-up before your points vanish. Here's how to sign up for notifications:
Once you're opted in, Qantas will include a warning in your monthly newsletter starting 60 days before your points are due to expire.4
Staying active is easier than you might think. You simply have to earn or redeem at least one point every 18 months. Every eligible activity resets your rolling deadline. Just keep in mind that Family Transfers and points from Qantas Business Rewards do not count as "eligible activity" for the purpose of stopping expiry.3
Here are some of the easiest ways to earn points:
- Use the Qantas Wellbeing App to earn points for walking, cycling, or even sleeping.2
- Scan your Everyday Rewards card at Woolworths, Big W, or BWS.
- Shop through the Qantas Shopping portal with retailers like Apple, eBay, or David Jones.
- Earn points at BP on fuel or in-store snacks.
- Use a Qantas co-branded credit card for your everyday spending.
- Book a stay with hotel partners like Airbnb, IHG, or Marriott Bonvoy.
- Rent a car through partners like Avis and Budget.
Looking for more options? Check out our full guide on how to earn Qantas points.
Redeeming your points is just as effective at extending your expiry date as earning them. You can reset your 18-month window by using points for:
- Award flights or upgrades with Qantas or its partner airlines.
- The Qantas Rewards Store, where you can use points for tech, appliances, or gift cards.
- Qantas Wine purchases or subscriptions.
- Hotel stays or car rentals booked through Qantas partners.
- Qantas Insurance, including using a mix of points and cash for travel insurance.
While you might be collecting points using your credit cards, these often come with high foreign transaction fees for overseas spending. The Wise card is a simple way to save up to 4x when you're spending internationally. You can spend in 150+ countries at mid-market rate — basically the rate you see on Google. With no foreign transaction fees and low, transparent pricing, Wise usually gives you the best value for your money.

Simply create a Wise account for free, order a card and top-up AUD to get started. Having a physical Wise card allows you to make chip and pin payments, as well as make some free ATM withdrawals each month for when you're abroad. You can get digital cards and add to your Google or Apple Pay wallet for instant use. Spend directly with the Wise account in AUD and let auto-conversion do the trick or convert in advance to your desired currency. You can hold and exchange 40+ currencies in your Wise account and spend the currencies you hold for free.
Wherever your travel takes you, the Wise card makes spending money abroad cheaper and easier.
This general advice does not take into account your objectives, financial circumstances or needs and you should consider if it is appropriate for you. Savings claim based on our rates vs. selected Australian banks and other similar providers in Jan 2026. To learn more please visit https://wise.com/au/compare
Please see Terms of Use and product availability for your region or visit Wise Fees & Pricing for the most up to date pricing and fee information.
*Please see terms of use and product availability for your region or visit Wise fees and pricing for the most up to date pricing and fee information.
This publication is provided for general information purposes and does not constitute legal, tax or other professional advice from Wise Payments Limited or its subsidiaries and its affiliates, and it is not intended as a substitute for obtaining advice from a financial advisor or any other professional.
We make no representations, warranties or guarantees, whether expressed or implied, that the content in the publication is accurate, complete or up to date.
Our Qantas travel insurance review breaks down the available policies, what they cover, and who underwrites them.
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