Commonwealth Bank Travel Insurance

Get peace of mind while travelling with CBA Travel Insurance.

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Travel insurance rules continue to change as a result of the pandemic. Some information may not be accurate at this time. It’s even more important to double-check all details that matter to you before taking out cover. Please note:
    • Some policies may not be available through Finder at this time
    • It’s unlikely that your policy will cover expenses from border closures
    The largest bank in the Southern Hemisphere, Commonwealth Bank offers its customers a comprehensive portfolio of integrated financial solutions, from retail, business and institutional banking to personal loans and stockbroking.

    Commonwealth Bank offers five travel insurance plans to cover your domestic and international trips. Commonwealth Bank travel insurance is managed by Cover-More.

    Commonwealth Bank travel insurance is not currently available via finder. You can visit their website at for more information or compare alternative options available below.

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    warning Finally, some good news! Domestic travel is picking up, so some insurers have started offering cover again 🦘
    Just remember, you won't be covered for any pandemic related claims if you do take out domestic travel insurance.
    International travel insurance is limited and sometimes unavailable at this point.

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    What are the different policies available from Commonwealth?

    Your choice of travel insurance depends on the nature of your trip and your destination. Your premium is calculated on factors including the length of your trip, the ages of the people you’d like insured and the level of cover you require.


    This plan is available to all travellers irrespective of age. The Comprehensive Plan provides cover for the following:

    • Unlimited emergency assistance and hospitalisation
    • Unlimited cover for cancellation fees and lost deposits
    • Dental expenses
    • Hospital cash allowance
    • Accidental death and permanent disability
    • Luggage and personal effects
    • Travel delay and alternative transportation expenses
    • Personal liability


    A simpler version of the Comprehensive option, this plan provides unlimited cover for medical assistance and hospitalisation, as well as:

    • Cancellation fees and lost deposits
    • Additional expenses
    • Travel delays
    • Luggage and personal effects
    • Travel documentation
    • Car hire insurance excess
    • Personal liability


    This plan is suited to travel within Australia. Medical assistance and hospitalisation are not covered since your private health insurance should cover that. The Domestic Plan provides for:

    • Accidental death
    • Cancellation fees and lost deposits
    • Travel delays and expenses for alternative transportation
    • Luggage and personal effects
    • Car hire insurance excess
    • Personal liability


    If you’re a frequent traveller, this plan will cover your journeys for an unlimited amount of journeys within a 12-month period. The amount of compensation indicated is the maximum that will be paid for the combined claims during the 12-month policy period. This plan is not available to travellers aged 75 years and older. The Multi-Trip Plan covers the following:

    • Unlimited medical assistance and hospitalisation expenses
    • Accidental death and permanent disability
    • Loss of income
    • Travel delays and alternative transportation expenses
    • Luggage and personal effects
    • Travel documents, banks cards and travellers cheques


    This plan is available to travellers with a pre-existing medical condition and does not provide cover in the case of a medical or dental emergency. If you choose the Non-medical Plan, you will be covered for:

    • Accidental death and permanent disability
    • Unlimited cover for cancellation fees and lost deposits
    • Travel delay and alternative transportation expenses
    • Travel documents, bank cards and travellers cheques
    • Car hire insurance excess
    • Personal liability

    What are the different cover types?

    Depending on your choice of travel insurance plan, you can purchase one of the following cover types:

    • Single (Comprehensive, Essentials, Domestic or Multi-Trip Plan)
    • Family (Comprehensive, Essentials, Domestic, or Multi-Trip Plan)
    • Individual (Non-medical)

    Benefits available on Commonwealth Bank Travel Insurance policies

    Benefits of Commonwealth Bank travel insurance include:

    • Emergency medical assistance and hospitalisation overseas. Cover-More provides emergency assistance when necessary. All hospitalisation cost will be covered, but you must do your best to keep expenses to a minimum.
    • Emergency dental expenses: Cover is available for the emergency dental expenses you incur while overseas.
    • Accidental death: Commonwealth Bank Travel Insurance pays a lump sum benefit to your estate if you die as a result of an accident that occurs on your trip.
    • Permanent disability: Receive a lump sum payment if you become permanently disabled as a result of injuries suffered during your journey.
    • Cancellation fees and lost deposits. All unused travel and accommodation costs will be covered by your travel insurance plan.
    • Luggage and personal effects. Your plan will cover the replacement or repair of lost or damaged luggage. In the case of misplaced or misdirected luggage, you will need to show written proof from the carrier.
    • Travel documents. Your policy will cover the replacement of stolen or destroyed travel documents, bank cards and travellers cheques.
    • Theft of cash: This benefit provides protection when cash is stolen from you on your journey.
    • Rental vehicle insurance excess: Receive cover for the rental company insurance excess when your rental vehicle is stolen, damaged or involved in a collision.
    • Personal liability: Commonwealth Bank Travel Insurance also provides legal liability cover when you cause bodily injury or property damage to a third party.

    Are the any additional options available?

    Each travel plan can be upgraded to include optional extras. Additional benefits require additional premiums. The sections of these packs cannot be sold separately.

    Business Pack

    Available on the Comprehensive and Multi-Trip plans, this optional extra is tailored for business travel and covers:

    • Alternative staff
    • Business equipment and hire
    • Recreation of business documents

    Snow Pack

    If you’re planning a skiing holiday, this optional extra provides cover for:

    • Emergency rescue
    • Your own and hired snow sport equipment
    • Piste closure
    • Adverse weather and avalanches

    Cruise Pack

    Ideal for cruise ship holidays, this additional benefit option covers:

    • Medical and dental expenses while onboard
    • Evacuation and cabin confinement
    • Damaged or lost formal attire
    • Marine cruise diversion

    Can I get travel insurance with a pre-existing medical condition?

    Unless specifically agreed to in your contract, pre-existing medical conditions are not covered by your travel insurance policy. Any claim submitted for illness or an accident as a result of a pre-existing medical condition will not be honoured. Certain medical conditions like asthma, diabetes and gout are automatically covered, but the onus is on you to make sure that it appears on the list provided.

    How do I make a claim with Commonwealth Bank Travel Insurance?

    • Notify your insurance agent immediately. If you need to submit a claim, it’s best to get in touch with your insurance agent as quickly as possible. If there’s a perceived delay, you might be liable for penalties payable to Cover-More for loss incurred.
    • Submit all necessary documents. In order to help Cover-More process your claim quickly and efficiently, it’s important to supply all the documentation required. This includes:
      • Police reports
      • Medical reports
      • Valuations
      • Original receipts
      • Proof of purchase
    • Australian dollars. All claims are payable in Australian dollars and will be transferred to an account you designated.

    Who is eligible for Commonwealth Bank Travel Insurance?

    Commonwealth Bank Travel Insurance is available to people who:

    • Are Australian residents
    • Purchase cover before commencing their journey
    • Are taking a journey that begins and ends in Australia

    However, temporary residents can also take out cover under a Comprehensive Plan if they purchase a policy before commencing their journey, and if their journey starts and ends in Australia.

    Different age limits also apply to Commonwealth Bank Travel Insurance policies:

    • Comprehensive and Domestic Plans can be taken out by travellers of all ages
    • The Essentials Plan and Multi-Trip Plan are only available to travellers 74 years or younger
    • The Non-Medical Plan is available to travellers of all ages who have a pre-existing medical condition that is automatically excluded from cover

    Want to know more?

    Q. How can I get a quote for Commonwealth Bank Travel Insurance?

    • A. You can get a quote online from the Cover-More's website.

    Q. Does Commonwealth Bank Travel Insurance cover me for rental vehicle insurance excess?

    • A. Yes, $3,000 cover is provided on all policies, although you also have the option to increase this level of cover on all except an Essentials Plan.

    Q. I’m 75 years old – is cover provided by the Snow Pack for my skiing holiday?

    • A. No. You must be 74 years or younger to be eligible for the Snow Pack.

    Q. What should I do if I’m a victim of theft on my trip?

    • A. Report the incident to the police or local authorities as soon as possible and obtain a written copy of their report. You can also contact Cover-More for help if required.

    Q. What should I do if I’m hospitalised overseas?

    • A. You (or your travelling companion) should call Cover-More as soon as possible to arrange cover for your medical and hospital costs.

    Q. Is there a cooling-off period after I purchase cover?

    • A. Yes, you have 14 days to decide whether Commonwealth Bank Travel Insurance is right for you. If you decide to cancel your policy during this time, you will receive a full refund of any premiums paid.

    Q. What affects the cost of my travel insurance premium?

    • A. A range of factors impact upon premium costs, including where you’re going, the length of your journey, the number of people to be covered and their age. The type of plan you select, any extra-cost options you add to your policy and the excess you choose will also be taken into account.

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    6 Responses

      Default Gravatar
      JanaDecember 22, 2018

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

        Avatarfinder Customer Care
        JeniDecember 24, 2018Staff

        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!


      Default Gravatar
      SilvanaJuly 4, 2017

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

        Default Gravatar
        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.


      Default Gravatar
      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

        Avatarfinder Customer Care
        MayFebruary 5, 2017Staff

        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.


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