CommBank Travel Insurance

Our verdict: CommBank Travel Insurance is a budget-friendly option for younger travellers, but excludes most claims related to COVID-19.

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Nicola Middlemiss

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CommBank

Key takeaways

  • CommBank offers budget-friendly travel insurance, providing diverse policy options at competitive prices.
  • However, most non-medical claims related to COVID-19 are explicitly excluded from cover.
  • Some policies have age limits up to 69 years old, impacting older travellers seeking cover.

Our Verdict

CommBank offers a decent range of travel insurance policies at a good price point. It has multiple options to tailor cover, so you can create a policy which matches most of your needs, including expensive items, riskier holiday activities, and pre-existing medical conditions.

Pros

  • CBA's travel insurance policies are cheaper than many others in the market, offering a budget-friendly option for travellers.
  • With international and domestic plans plus optional upgrades, travellers can tailor their cover to suit their trip.

Cons

  • Cover for claims related to COVID-19 are completely excluded, with the exception of overseas medical expenses. This does leave travellers exposed to extra risk.
  • There's an age limit on some policies including Essentials and Inbound travel insurance (up to 69yrs old).

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What policies does CommBank offer?

For policies bought from 29 September 2026, CommBank Travel Insurance is provided by XCover and comes in two plans: Comprehensive (for overseas trips) and Domestic. You can add optional upgrades such as snow, cruise, adventure and motorcycle cover for an extra premium.

The insurer of this product is Zurich Australian Insurance Limited. It comes with a cooling-off period of 21 days.

CommBank Travel Insurance features

Standard features
Optional add-ons
Exclusions
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Optional add-ons

CommBank also offers optional add-ons that provide cover for a wider range of risks. Generally, these will cost more but they do strengthen your policy.

  • Existing medical conditions. Cover that includes your existing medical conditions. You will likely have to take an online medical assessment.
  • Adventure activities. Cover for riskier activities, including triathlons, outdoor rock climbing, and skydiving.
  • Cruise cover. Extra protection for a range of cruise-specific risks including sea sickness, missed ports, and marine rescue.
  • Motorcycle/moped riding. Cover if you're planning to ride a motorcycle or moped either as a driver or pillion. Specific criteria must be met, including having a valid Australian licence, wearing a helmet, and not racing.
  • Snow sports. Cover if you're hitting the slopes, specifically for skiing, snowboarding or snowmobiling.
  • Increased luggage item limits. If you're travelling with expensive items (PDS), you can increase your luggage cover for that item. You may be asked to provide proof of value.
  • Electronic gadgets. Increase the individual limits of a variety of tech items, including laptops, headphones, and cameras, up to a maximum of $5,000.
  • Increased rental vehicle excess. Get a higher limit for rental car excess, increasing the $6,000 on a Comprehensive policy by a maximum of $3,500.
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Exclusions

Unfortunately, insurance policies don't cover everything. Generally, CommBank will not pay your claim if it relates to:

  • Unlawful, reckless or unreasonably unsafe behaviour by you
  • Behaviour while you were drunk or under the influence of drugs
  • Non-medical claims related to COVID-19
  • An act of war, invasion or revolution
  • Insolvency of a travel agent, tour operator or accommodation provider
  • Mandatory quarantines or isolations
  • An act of war, invasion or revolution
  • You being unfit to travel or travelling against medical advice
  • Childbirth or pregnancy complications after the 24th week of gestation or if you have had previous pregnancy complications
  • A multiple pregnancy or one where the conception was medically assisted
  • An elective medical or dental treatment, cosmetic procedure or body modification (including tattoos or piercing)
  • Self-inflicted injury or illness, suicide or attempted suicide

Make sure you review CommBank's PDS for a detailed breakdown of what won't be covered, found under its list of general exclusions.

How to make a CommBank Travel Insurance claim

You can claim online or via post. Start by downloading a claim form then either post it to following address below or follow the steps to submit online.

Commonwealth Bank Travel Insurance C/o Cover-More
PO Box 2027
North Sydney
NSW
2059
Australia

Alternatively, you can submit a claim online by following these steps:

  1. Head to https://claims.covermore.com.au/CBA/TravelClaims
  2. Download the claim form
  3. Fill in your details, describe the incident and provide expenses
  4. Email your form along with any supporting evidence to cbaclaims@covermore.com.au. Alternatively you can post it to the address above.
  5. Once your claim has been received you will get a confirmation email and should hear back within 10 working days.

Frequently asked questions

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Nicola Middlemiss is a journalist with nearly a decade of experience in personal finance and insurance. She has contributed to Domain, Yahoo Finance, Money Magazine and Insurance Business Australia, offering in-depth insights into commercial insurance in the Australian market. Nicola holds a Bachelor’s degree in English from the University of Leeds and a Tier 1 General Insurance (General Advice) certification, which complies with ASIC standards. See full bio

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8 Responses

    Clency's avatar
    ClencyApril 11, 2022

    I am 80 and would like to travel to Mauritius. Does the Commonwealth Credit Card or Visa cover me for travelling to Mauritius. I noticed that Westpac age is up to 81 for travel insurance

      James Martin's headshotFinder
      JamesApril 20, 2022Finder

      Hi Clency,

      There are several conditions and restrictions that apply to people aged 80 or over when considering credit card insurance through CommBank. These may include no cover for overseas emergency medical expenses or assistance.

      You can find the full details of what you are and are not covered for by reviewing the Product Disclosure Statement on CommBank’s website.

      For more travel insurance options, please have a look at our Travel insurance for seniors over 80s page.

      Regards,
      James

    Jana's avatar
    JanaDecember 22, 2018

    Is it possible to add two adult children on insurance included with eligible CBA credit cards?

      Jeni's avatarFinder
      JeniDecember 24, 2018Finder

      Hi Jana,

      Thank you for getting in touch with finder.

      Yes that is possible. As long as they are unmarried children, from 19 years of age up to and including 21 years of age, who are full-time students attending an accredited institution of higher learning in Australia and who the cardholder has/had sole or shared custody, and who are dependent upon the cardholder for their maintenance and financial support then they can be covered.

      I suggest that you also check Commbank credit card travel insurance PDS or contact Commbank directly on this matter.

      I hope this helps.

      Please feel free to reach out to us if you have any other enquiries.

      Thank you and have a wonderful day!

      Cheers,
      Jeni

    Silvana's avatar
    SilvanaJuly 4, 2017

    My husband has type 2 Diabetes. How do I get cover for him?

      Jonathan's avatar
      JonathanJuly 4, 2017

      Hello Silvana,

      Please feel free to read through our travel insurance for diabetics guide and learn more about how you can get the right policy for you. While looking for insurers, please make sure you read the terms and conditions of the policy to learn more and know if it is the right policy for you or not.

      Hope this helps.

      Cheers,
      Jonathan

    Ursula's avatar
    UrsulaFebruary 3, 2017

    I have a gold credit card and are entitled to travel insurance for an overseas trip.Going to Canada and Alaska in June this year: is a 8day cruise included in the insurance? Thanks for your prompt replay. Ursula

      May's avatarFinder
      MayFebruary 5, 2017Finder

      Hi Ursula,

      Thanks for your question.

      Yes, the complimentary travel insurance covers cruising. But if you want to include the benefits provided in the Cruise Pack (which is detailed in the PDS I sent to your email), you will need to upgrade your policy, this is in addition, to cover provided in the Base International Travel Insurance and Activated Policy for cruising. Please contact Allianz Australia Insurance to upgrade.

      Cheers,
      May

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