Help & support
Travel insurance is designed to cover you for a range of unexpected events that could happen when you’re travelling overseas or in Australia. It can give both financial and practical support for you and your family. Travel insurance can cover costs like travel delays, hospital expenses, damaged or stolen items.
You should consider buying travel insurance as soon as you have your trip booked and travel plan ready. If your policy includes cancellation cover it may give you an advantage if you have to cancel your trip due to unforeseen circumstances included within your insurance cover.
Yes, however there will be a three day no cover period before you can receive the policy benefits. This means there’s no cover under any section of the policy for any event that has occurred already or that arises within the first three days of buying the policy.
CBA Travel Insurance does not provide cover for sanctioned countries. If the country is subject to certain sanctions by the Australian government or the United Nations, Cover-More may be unable to offer any financial protection at all.
If your trip involves travelling to a country, or part of a country, where the Australian Government’s Smart Traveller website advises travellers to “Reconsider your need to travel” or “Do not travel”, and you choose to proceed with your trip, you should understand that Cover-More may not be able to provide emergency assistance in that location. This is because the current situation (which is the subject of the warning), may limit Cover-More's ability to offer assistance there.
You should select every country you will be travelling to for coverage. If you’re not sure of all your destinations, select a region instead. Cover then applies for travel to all countries within that region. You can also select Worldwide.
If you’re going on a cruise in Australia (e.g. on the Murray River) or in Australian Coastal Waters (e.g. a Kimberley Cruise), please choose “Australia” as your destination. If the cruise departs from a port in Australia to another port(s) in Australia without any stopover at a port outside Australia, choose “Domestic Cruising.”
If you’re going on an overseas cruise, choose the main area of destination based on where you will spend the most time on your trip.
If you’re stopping in a country for less than 72 hours, you do not need to enter or select that country.
If you know you’re pregnant, to receive cover, you’ll need to let Cover-More know of your pregnancy by completing a medical condition assessment.
CBA Travel Insurance provides cover for pregnancy, if it is a single, uncomplicated pregnancy, you have not had complications with any other pregnancy, up to the 24th week (i.e. up to 23 weeks, 6 days provided). Additionally, the pregnancy cannot be medically assisted (e.g. using assisted fertility treatment including hormone therapies or in vitro fertilisation).
If you do not meet this criteria, you will need to apply for cover for your pregnancy and if your pregnancy is accepted for coverage, pay any required additional premium.
CBA Travel Insurance automatically accepts cover for some existing medical conditions, subject to all the criteria outlined in the PDS. For this cover to apply;
If your existing medical condition falls outside the criteria under the conditions Cover-More automatically covers in the PDS, the insurance provider may still be able to cover you for an additional premium, subject to the outcome of a short medical assessment. You must inform Cover-More of your condition. Please complete an online medical condition assessment as part of purchasing your travel insurance or call 1300 467 951 for help. You’ll instantly know if they’re covered. If approved, you may need to pay an additional premium to cover your existing medical condition.
If you’re 80 years old or over at the relevant time, to activate international travel insurance available for eligible cards, you will need to pay a premium and receive your Certificate of Insurance before your trip departure. Cover for the following benefits will only apply to you provided you have completed a medical assessment, Cover-More has agreed to cover you and you have paid any premium that applies.
If you’re 74 years old or older at the relevant time, please read the PDS for any exclusions or special arrangements.
For Inbound Plans, cover is only available for travellers up to 69 years of age.
Yes, you must be an Australian resident, commencing your journey from Australia and returning to Australia at the completion of the period of insurance.
If you live overseas, you have the option to purchase an Inbound Plan. This policy is for people who have a trip to Australia, from overseas.
International travel insurance is available with Low Fee Gold, Low Rate Gold, Gold Awards^, Platinum Awards*, Diamond Awards*, Smart Awards and Ultimate Awards CommBank credit cards and World Debit Mastercard.
For World Debit MastercardTM
You need to activate your insurance before departing Australia to receive comprehensive cover. Overseas Medical cover, which includes overseas emergency medical assistance and hospital expenses and personal liability cover is automatically included.
For eligible credit cards
To receive cover, including Overseas Medical cover#, before you leave Australia you must:
You will also qualify if the $500 worth of prepaid travel costs is redeemed using CommBank Awards points or Travel Booking travel credits. You will need to provide a copy of the letter/statement/email confirming the redemption.
You will also qualify for international travel insurance if the $500 worth of prepaid travel costs is redeemed using CommBank Awards points or Travel Booking travel credits. You will need to provide a copy of the letter/statement/email confirming the redemption.
You won’t qualify for international travel insurance if you pay using Qantas points.
The travel insurance available with eligible cards only covers international trips. For domestic trips, refer to CBA Travel Insurance plans.
International travel insurance available with eligible cards provide coverage for cardholders, their spouse, and accompanied children travelling with them for the entire journey. This may include:
You can also upgrade your policy to add cover for adventure sports, snow sports, cruising and motorcycling.
To know if a travel insurance policy is right for you, read the Product Disclosure Statement (PDS). A PDS will include information about policy coverage levels including excess, inclusions, exclusions, how the claims process works, and the type of emergency support available for you.
If you have purchased one of the CBA Travel Insurance Plans
If you are travelling and wish to be insured for longer than the original period shown on your Certificate of Insurance, you need to purchase a new policy by calling or emailing Cover-More prior to the expiry date.
Call 1300 467 951 (within Australia) or +61 2 8907 5060 (from overseas), or email commbank@covermore.com.au
If you have activated international travel insurance available with your eligible card
If you intend to be travelling for longer than the period of cover applying to the eligible credit card, you can apply to extend the relevant period of cover by calling or emailing Cover-More prior to the expiry date.
Call 1300 467 951 (within Australia) or +61 2 8907 5060 (from overseas), or email commbank@covermore.com.au
If you have purchased one of the CBA Travel Insurance Plans
To update your contact information, change the details of your trip, extend your travel insurance, add or remove names of people travelling with you, change your cover options, or upgrade, you will need to contact Cover-More. This may include additional charges.
Call 1300 467 951 (within Australia) or +61 2 8907 5060 (from overseas), or email commbank@covermore.com.au
If you have activated international travel insurance available with your eligible card
Log on to your secure Travel Insurance portal where you can easily:
If you need assistance or for any other amendments, please contact Cover-More.
Cover-More’s cooling-off period means you can cancel or change your policy at any time within 21 days of your issued Certificate of Insurance and before you leave home. If you cancel a policy within the cooling-off period, have not departed on your journey, have not made a claim or intend on making a claim, Cover-More will provide a full refund to you.
Call Cover-More on 1300 467 951 (8am-5pm Mon - Fri and 9am-4pm Sat, Sydney/Melbourne time) within the cooling-off period, to cancel your policy.
After the cooling-off period ends, you still have the right to cancel your policy. However, Cover-More may deduct some costs from any refund.
The excess is the first amount of a claim that the travel insurance provider will not pay for. It is deducted from your claim if it is approved by Cover-More. The excess amount will be shown on your Product Disclosure Statement (PDS) and Certificate of Insurance.
For paid CBA Travel Insurance International Plans, you can choose your excess.
We recommend you submit claims or inform Cover-More as soon as possible to ensure your evidence is recent. For certain claims, you may need to provide documents like a police report or medical documentation, so make sure you obtain relevant evidence before you return home.
Make a claim online or call 8am-5pm Mon - Fri and 9am-4pm Sat (Sydney/Melbourne time)
Cover-More will respond within 10 working days. For claim-related enquiries, it is best to contact Cover-More on 1300 467 951 (8am-5pm Mon - Fri and 9am-4pm Sat, Sydney/Melbourne time).
You can contact Cover-More's emergency assistance team 24 hours a day, 365 days a year while you’re travelling overseas or in Australia. The team of doctors, nurses, case managers and travel agents will are there to help you.
Note: certain services are subject to your claim being approved.
In an emergency, call Cover-More immediately.
You, or someone on your behalf, should phone Cover-More's emergency assistance team as soon as possible if you require hospitalisation, if your medical expenses exceed $2,000, or if you must return early.
When you call, please have the following information at hand:
If you can’t return home on your original date due to an unforeseen event outside your control, contact Cover-More for support. The policy will automatically extend, subject to conditions in the PDS. For further details on coverage, refer to your issued Product Disclosure Statement (PDS).
# 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 or Travel Booking travel credits. You will need to provide a copy of the letter/statement/email confirming the redemption, or a screenshot of the Travel Booking confirmation with the payment method.
~ Cover will not exceed 12 months from onset of the illness, condition, or injury.
* Sub-limits apply. Please refer to the PDS for full policy conditions.
^ Gold Awards cards are no longer available for sale from 23 March 2018.
* Platinum Awards & Diamond Awards cards are no longer available for sale from 3 June 2023.
