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CommBank Travel Insurance

Our verdict: commbank travel insurance is a budget-friendly option for younger travellers, but excludes most claims related to covid-19..

In this guide

Summary of CBA Travel Insurance Comprehensive policy

How does commbank travel insurance cover covid-19, what policies does commbank offer, here's a breakdown of commbank travel insurance features, standard features, optional add-ons, how to make a commbank travel insurance claim, here's the bottom line about commbank travel insurance, frequently asked questions, request travel insurance quotes and compare policies.

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• 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.
• 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).

Compare other options

Table updated August 2023

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 .

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.

International Comprehensive (Single & Multi-Trip)

International Essentials

International Medical Only

International Cancellation

Domestic (Single & Multi-Trip)

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).

• Accidental death or disability
• Additional accommodation and transportation expenses
• Amendment or cancellation costs
• Delayed luggage allowance
• Loss of income
• Luggage and personal effects
• Overseas medical expenses
• Theft of money
• Travel delay
• Rental car insurance excess

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..

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
• 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
• You being unfit to travel or travelling against medical advic
• 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 .

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 [email protected]. 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

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.

However, it doesn't offer any cover for cancellations, amendments, or general expenses related to COVID-1, other than medical. Older travellers are also excluded, with an age limit of 69 - significantly lower than many other providers in the market.

How long do I have to make a travel insurance claim?

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.

Can I take out a policy with CommBank if I'm already overseas?

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 .

What is the phone number for CommBank Travel Insurance?

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.

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Nicola Middlemiss

Nicola Middlemiss is a contributing writer at Finder, with a special interest in personal finance and insurance. Formerly a business and finance journalist, Nicola has written thousands of articles helping Australians better understand insurance and grow their personal wealth. She has contributed to a wide range of publications, including Domain, the Educator, Financy, Fundraising and Philanthropy, Insurance Business, MoneyMag, Mortgage Professional, Yahoo Finance, Your Investment Property, and Wealth Professional. Nicola has a Tier 1 General Insurance (General Advice) certification and a Bachelor's degree from the University of Leeds. See full profile

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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

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?

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

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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Commbank Travel Insurance Review

An Aussie Insure summary of...

Commbank Travel Insurance is an integral part of the Commonwealth Bank and insurance company. The company specialises in providing specific travel cover including multi-trip, skiing or snow boarding breaks and group excursions. Commonwealth also have a selection of products for those who are planning a trip overseas or within Australia.

Commbank offers excellent cover containing decent benefits that will suit most Australians planning a holiday, business trip or other trip. Their policies are priced quite reasonably and the protection they provide represents good value when comparing to other Aussie insurance brokers.

Commonwealth Travel Membership

Commonwealth Travel's membership has grown considerably during the past number of years. Their customers can choose from many types of cover from basic insurance policies to products that are furnished with several extra benefits.

Like most other travel insurance companies, when applying for a claim from Commbank, there could well be a standard excess charge. But when financial experts analyse the average monthly premiums that are charged, most would say they are reasonably priced considering the quality of cover they provide.

Commonwealth Travel Insurance Online

Purchasing an online policy from the Commonwealth website is relatively easy. Click the link below and follow their step-by-step instructions and your personal quote will be calculated within a few moments.

Commbank Travel Insurance Contact Details

Below you will find contact details for Commbank Travel Insurance compiled by the Aussie Insure research team.

Website:    Commbank Travel Insurance

Commbank Travel Insurance Notes

Please note that the information on this page concerning Commbank Travel insurance is accurate at the time of publishing. However, details of insurance companies and brokers may change in the future. Although the team at Aussie Insure strive to keep company information up to date there will be occasions when some info may be out of date.

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Commbank travel insurance.

If you’re planning a trip abroad, one of the most important things you need to think about is travel insurance. No matter how well you plan your trip, there’s always a chance that something might go wrong, and having the right insurance can help protect you from financial losses and other unexpected problems.

What is Commbank Travel Insurance?

Commbank Travel Insurance is a type of travel insurance that is offered by Commonwealth Bank of Australia. This insurance is designed to provide coverage for a wide range of travel-related issues, including medical emergencies, trip cancellations or interruptions, lost or stolen luggage, and more.

Commbank Travel Insurance is available for individuals or families who are traveling domestically or internationally. There are several different levels of coverage available, so you can choose the policy that best fits your needs and budget.

What Does Commbank Travel Insurance Cover?

Commbank Travel Insurance provides coverage for a variety of travel-related issues, including:

• Medical emergencies, including hospitalization, medical evacuation, and repatriation
• Trip cancellations or interruptions due to unforeseen circumstances, such as illness, injury, or death of a family member
• Lost, stolen, or damaged luggage and personal belongings
• Personal liability, in case you cause damage to someone else’s property or injure someone else while traveling
• Emergency travel assistance, including 24/7 access to a team of travel experts who can help you with anything from lost passports to emergency medical care

How Do I Purchase Commbank Travel Insurance?

You can purchase Commbank Travel Insurance online, over the phone, or in person at a Commonwealth Bank branch. The application process is easy and straightforward, and you can typically get a quote and purchase your policy in just a few minutes.

Before purchasing a policy, it’s important to carefully review the terms and conditions of the policy to make sure it meets your needs and provides the coverage you need. You should also make sure to disclose any pre-existing medical conditions, as failure to do so could invalidate your coverage.

What’s Not Covered by Commbank Travel Insurance?

Commbank Travel Insurance provides coverage for a wide range of travel-related issues, but there are some things that are not covered by the policy. These include:

• Pre-existing medical conditions that have not been disclosed
• Travel to countries or regions that are considered high-risk or unsafe
• Activities that are considered high-risk, such as extreme sports or bungee jumping
• Loss or damage caused by negligence or reckless behavior

It’s important to carefully review the policy terms and conditions to understand what is and isn’t covered before purchasing your policy.

How Do I Make a Claim with Commbank Travel Insurance?

If you experience a travel-related problem that is covered by your Commbank Travel Insurance policy, you can file a claim to receive reimbursement for your expenses. To make a claim, you will need to provide documentation of the issue, such as medical bills or police reports, and fill out a claim form.

You can submit your claim online or by mail, and you should receive a response within a few weeks. It’s important to file your claim as soon as possible after the issue occurs, as there may be time limits for filing claims.

If you’re planning a trip abroad, Commbank Travel Insurance can provide you with peace of mind and protection against a wide range of travel-related issues. With several different levels of coverage available, you can choose the policy that best fits your needs and budget.

Remember to carefully review the policy terms and conditions before purchasing your policy, and to disclose any pre-existing medical conditions to ensure that you are fully covered. And if you do experience a travel-related issue that is covered by your policy, be sure to file a claim promptly to receive reimbursement for your expenses.

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Comm Bank Credit Card travel insurance

Is it really worth while using the Commbank Credit card free travel insurance? after a quick comparison looks fairly similar to most travel insurance except for slightly lower coverage amounts.

Pros V Cons would be great to have some insight from someone thats actually made a claim through the insurance.

Upgrades! are there any upgrades you can apple to this type of travel insurance (increased coverage)

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Just in case you hadn't noticed, at least on my card, free cover now only applies when you spend a chunk of the travel bookings on your CBA card.

Indeed, for most CBA card types there's now a $500 qualifying spend prior to activation and a $500 excess applicable to many benefits, including medical. Definitely worth shopping around for a lower policy excess… unless your travels are limited to the eleven countries with reciprocal healthcare agreements.

Do you mind to list those eleven countries? I have a CommBank CC and was thinking to use their travel insurance. Tia

https://www.servicesaustralia.gov.au/about-reciprocal-health…

@sumyungguy: Damn! I was hoping Japan was one of the countries. Thanks for the link.

It's free , so what's the problem?

Just because it's free doesn't mean its any good. as mentioned above high excess and fro what I have read coverage is lower.

Just because it's free doesn't mean its any good.

You know you can get insurance from more than one insurer.

I always get at least one free one as a backup.

Solid advice.. I insure my car with 3 different insurers just in case. Commbank travel insurance won’t be free if you have to use it and pay whatever the international fee is as opposed to another card with 0% international fee.

@Ridiculous Panda: 100% Not free! I booked some flights with my commbank card and fees were $78 for the transaction amount of about $2200 AUD. Shining light was the merchant double charged my card, then it took about a week to get reimbursed and it ended up being an issue with Commbank…so as a good will measure they also refunded the transaction fee. Win win.

@kiwimex: Depends on the card. I have the Low Fee Gold and I have zero international fee.

Literally more than pays for itself after one vacation. Just sucks that it was free before (minimal spend of $10k/year) but now cost like $8/mo

@borgainerz: UPDATE: OMFG: they changed the terms (can't find any emails) and they started charging me international fees, what a surprise today to see a couples hundred dollars of transactions fees. So pissed of; I'll churn asap

should still cover emergency evac on a cruise etc so I think is still pretty good

Yep, when you purchase add-on cruise cover.

I think it was like 16$ add-on for a family of 4, negligible.

We've been using the Commbank travel insurance for years and found it excellent. We've claimed a couple of times and they are easy to deal with. The new changes also include a limit of 90 days travel. We spend 4 to 5 months overseas most years, as anyone found an alternative with long trip cover with another bank?

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How to make a travel insurance claim

A guide to make a travel insurance claim to do with medical or dental treatment and lost, damaged or stolen belongings. 

Part of the fun of a trip can be the unknown. But if the unknown turns out to be something unfortunate like lost luggage or a visit to a medical centre, you may need to make a travel insurance claim.

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Claiming for medical and dental treatment

If you receive medical treatment or emergency dental treatment, then you need to get a medical report confirming the injury, illness or sickness and also the treatment received to support of your claim. Contact your insurer as soon as possible as they may be able to speak to the medical facility to authorise payment. If you make the payment, get a copy of a medical report along with any invoices and receipts.

Claiming for lost, stolen or damaged belongings

If your belongings are lost or stolen, report this to police immediately and keep a copy of the police report. If your luggage is damaged or misplaced by an airline or another transport provider or accommodation staff, report it to an appropriate official. Make sure you get a copy of an official report of the incident as well as documentation of any settlement offers. Any purchase receipts you have for the affected items will also help.

Making a claim

It’s ideal to make your claim as soon as possible. Check the Product Disclosure Statement of your policy to find out if there are any requirements around timing for making a claim. For claims related to international travel insurance included with eligible CommBank credit cards , or claims on CBA Travel Insurance, we recommend you start your claim within 60 days of the event or returning home, whichever is the latest. You can do this by calling Cover-More on  1300 467 951  within Australia or + 612 8907 5060  from overseas (8am-5pm Mon - Fri and 9am-4pm Sat, Sydney/Melbourne time). Call charges may apply. 

For eligible credit cards, you must spend at least $500 in a single transaction on your prepaid travel costs and activate to ensure you receive any cover, including Overseas Medical cover # . For World Debit Mastercards, you need to activate to receive comprehensive cover. Overseas Medical cover and personal liability insurance is automatically included.

If you activated and/or departed Australia before 7 February 2024, there is no change to the cover or eligibility requirements for that trip. Overseas Medical is automatically included and comprehensive cover is available upon activation. Refer to the Credit Card Insurances Product Disclosure Statement and Information Booklet – effective 2 June 2023 .

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Things you should know

This article is intended to provide general information of an educational nature only. It does not have regard to the financial situation or needs of any reader and must not be relied upon as financial product advice.

Insurance issued and managed by Cover-More Insurance Services Pty Ltd (AFSL 241713, ABN 95 003 114 145) on behalf of the insurer Zurich Australian Insurance Limited (AFSL 232507, ABN 13 000 296 640) for Commonwealth Bank of Australia (‘CBA’) (ABN 48 123 123 124, AFSL 234945). CBA and its related bodies corporate do not issue or guarantee this insurance. It does not represent a deposit with or liability of either CBA or any of its related bodies corporate.

# For eligible credit cards, you will need spend at least $500 in a single transaction on your prepaid travel costs (e.g. the cost of your return overseas travel ticket, prepaid accommodation, cruise, travel or tour) by charging the cost for that trip on your eligible card account before leaving Australia and activate to receive any cover, including Overseas Medical cover. You will also qualify if the $500 worth of prepaid travel costs is redeemed using CommBank Awards points. You will need to provide a copy of the letter/statement/email confirming the redemption.

Terms, conditions, exclusions, (including for pre-existing medical conditions and persons aged 80 years or over for international travel insurance included with an eligible CommBank credit card or persons aged 74 years or over for CBA Travel Insurance) limits and excesses apply.

Before activating the international travel insurance included in your CommBank credit card please read the  Credit Card Insurances Product Disclosure Statement and Information Booklet  for more information.

If you have activated international travel insurance included in your CommBank credit card on or before 6 February 2024, please refer to the Credit Card Insurances Product Disclosure Statement and Information Booklet – effective 2 June 2023 .

Before activating the international travel insurance included in your World Debit Mastercard, please read the  World Debit Mastercard insurances Product Disclosure Statement and Information Booklet (PDF)  for more information.

Before making a decision on CBA Travel Insurance please read the  CBA Travel Insurance Combined Product Disclosure Statement and Financial Services Guide  for more information. 

We (CBA) do not provide any advice on this insurance based on any consideration of your objectives, financial situation or needs. If you purchase or upgrade a policy, we (CBA) receive a commission which is a percentage of your premium.