So I have travel insurance cover through my NAB Platinum card and used it to purchase flights which meets the minimum $500 spend BUT
does it really give sufficient cover compared to purchased policies?
Flight Centre had all these warnings when I was signing off on the purchase but I took that as the usual FUD to sell me theirs so ignored it. So now I want to make sure.
You'll have to read the PDS of your CCs policy. Each policy will differ, and even if someone used the one provided by your CC, it might have been updated since then.
Most CC travel insurance doesn't cover much, for example sports are often excluded. I always buy seperate travel insurance, I don't buy from a travel agent or use the CC policy.