Anyone else have this problem - I will be applying in Australia shortly and have two main bank accounts with different banks - one has 60% of required amount and balance in the other.

Is this likely to be a problem?

Anonymous participant thank Heath Bridge for the wake up call.

Anonymous participant my understanding was the cover attached to credit cards had a lot of limitations however from what I have found over the weekend as long as you tick all their boxes you should be ok - minimum spend, and have a returned flight booked - easy to book a flight and just make Flexi if you're not 100% sure if return date.

I went away from fancy cards and rewards a few years ago but I've just upgraded over the weekend - the $300 annual fee is nothing compared to the cost of buying long term travel insurance and/or expat medical cover

Hey - Heath - I did some checking and you're spot on - I spent 50 years in the insurance industry so always sceptical and very different to what's available in the normal travel insurance market - I even checked the trip duration with Covermore and they have confirmed up to 365 days. Did a lot of business with Covermore over they years and the maximum they normally give is 180 days so the ComBank Smart Credit card you have is great. Length of journey can differ depending on what card people have and which Bank - I checked a few other Banks and most Banks only give a maximum of 6 months.

A lot have said it - look into a WISE account

@Heath *******

just check small print - usually the policies provided with credit cards will limit how many days a trip can be - usually 90 days and then cover ceases - yours might be longer but I doubt it will allow 365 days for any one trip

Very carefully check the conditions of any travel insurance - often they will have a time limit per trip of anything from 90 days to some policies might give up to 180 days - even annual travel insurance policies will still have a limit any one trip with the intention you will need to return home before the next trip.

Maybe look at expat health insurance - only cover medical but can be for a full 12 months and more.