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 four international options and one domestic, travellers have a range of policies, cover levels and price points to choose from.
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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CBA offers six different policies - Comprehensive, Essentials, Medical Only, Cancellation Only, Inbound and Domestic. Only CBA's International Comprehensive & Domestic policies can be purchased for a single trip or multiple trips. All other policies can only be purchased for single trips.
The insurer of this product is Zurich Australian Insurance Limited. It comes with a cooling-off period of 21 days.
These are some of the main insured events that CommBank will cover. Some of these benefits are only available for certain levels of cover (e.g. the comprehensive policy versus the essentials policy).
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..
Exclusions
Unfortunately, insurance policies don't cover everything. Generally, CommBank will not pay your claim if it relates to:
Unlawful, wreckless or unreasonably unsafe behaviour by you
Behaviour while you were drunk or under the influence of drugs
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:
Head to https://claims.covermore.com.au/CBA/TravelClaims
Download the claim form
Fill in your details, describe the incident and provide expenses
Email your form along with any supporting evidence to cbaclaims@covermore.com.au. Alternatively you can post it to the address above.
Once your claim has been received you will get a confirmation email and should hear back within 10 working days., and you should hear back within 10 working days
Frequently asked questions
CommBank has limited cover for COVID-19. All claims are excluded, with the exception of overseas medical expenses.
You won't be covered for:
Cancellation or amendment costs if you're diagnosed with COVID-19
Additional accommodation and travel expenses incurred due to COVID-19
Mandatory quarantine or isolation expenses imposed by the government9
If you need more comprehensive COVID-19 cover, we've compared all the providers that offer cover for COVID-19.
You have 60 days from your return date to submit your travel insurance claim. If you're still waiting on documentation to support your claim but worried you won't make the deadline, you can start the process and submit the additional documentation later.
If you are a non-Australian resident travelling to Australia, you can take out Commbank's Inbound policy while overseas. However, Australian residents can't get travel insurance from CommBank while overseas. For other options, you can read our guide on Travel insurance for Australians already overseas.
Cover-More supplies CommBank Travel Insurance. You can contact Cover-More on 1300 467 951 if you're in Australia or +612 8907 5060 if you're outside of Australia.
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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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
Finder
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.
Is it possible to add two adult children on insurance included with eligible CBA credit cards?
Finder
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
SilvanaJuly 4, 2017
My husband has type 2 Diabetes. How do I get cover for him?
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
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
Finder
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.
A long-term trip to Europe requires a visa and travel insurance of least €30,000 in medical benefits. Protect yourself from common travel concerns by reading Finder's comprehensive guide.
Domestic travel insurance can provide cover for trip cancellation (domestic flights), loss or damage to luggage and expensive items, car rental excess charges and much more. Find out why domestic travel insurance is worth getting and compare policies from Australian insurers.
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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
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
Is it possible to add two adult children on insurance included with eligible CBA credit cards?
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
My husband has type 2 Diabetes. How do I get cover for him?
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
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
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