Credit Card Complimentary Insurance Cover

Relax — we've got you covered

When you use your Commonwealth Bank Gold, Platinum or Diamond Credit Card to pay for overseas travel in advance, you can enjoy complimentary insurance cover for yourself, your spouse and your dependent children.

So whether you’re travelling for business or pleasure, you’ll have peace of mind, knowing that you’ll be covered for hospital and medical expenses, belongings and unexpected expenses.
 

Who does it cover?

You, your spouse and your dependent children can enjoy automatic international travel insurance, as long as you travel together for the whole journey and you either:

• Spend at least $950 on each person’s prepaid travel costs using your Commonwealth Bank Gold, Platinum or Diamond Credit Card, your Commonwealth Awards Points, or a combination of them both before leaving Australia. Your travel costs can include tickets, airport and departure taxes, prepaid overseas accommodation, or tours and other prepaid overseas itineraries.
• Pay at least 90% of the cost of each of the return overseas travel tickets for you, your spouse and your dependent children using either your Commonwealth Bank Gold, Platinum or Diamond Credit Card, your Commonwealth Awards Points, or a combination.

There are conditions and limits to your cover. For example, pre-existing medical conditions are generally not covered, and you may need to pay an excess on some claims. To find out more, read our Credit Card Complimentary Insurance and Guaranteed Pricing Cover brochure (PDF 374KB). 

It’s worth noting that if you use Frequent flyer points to buy your travel tickets, you’ll only be eligible for complimentary travel insurance if you spend at least $950 per person on other prepaid travel expenses – such as prepaid accommodation or tours – using your eligible Commonwealth Bank credit card before leaving Australia.
 

What's covered?

Our complimentary International Travel Insurance covers you, your spouse and your dependent children for:

• Medical and hospital expenses overseas.
• Loss of, or damage to, your personal belongings.
• Unexpected cancellation of your travel arrangements, and other unexpected expenses.
• The cost of resuming your journey if there is a death in the family.
• Alternative transport to a special event because of unexpected delays.
• Excess cover for rental vehicle insurance.
• Travel delays.
• Accidental death.
• Funeral expenses.
• Legal liability up to $2,500,000.
• Loss of income.

While this insurance doesn’t usually cover pre-existing medical conditions, you may be able apply for cover by calling Zurich Assist on 1800 285 189.

To find out more about what’s covered, read the Credit Card Complimentary Insurance and Guaranteed Pricing Cover brochure (PDF 374KB) and visit the Frequently Asked Questions.
 

What to take with you

When you travel overseas, it's important to take details of your cover and proof that you qualify so that you can get help quickly when you need it.

Please be sure to take:

• A copy of the Credit Card Complimentary Insurance and Guaranteed Pricing Cover brochure (PDF 374KB). If you can’t print it, call us on 13 2221 and we’ll mail you a copy.
• A copy of your itinerary or proof of travel arrangements.
• Account statements for your qualifying credit card, or card receipts showing the transactions were made using your credit card; or.
• A copy of the letter, statement or email confirming that you redeemed your Commonwealth Awards points through the Commonwealth Awards Program to partially or fully pay for your overseas travel tickets.
  
  

Getting help overseas

If you need help while you’re overseas, call Zurich Assist reverse charges on 
+61-2-9995-2021, 24 hours a day, 7 days a week.
 

Making a claim

While you're overseas

To make a claim while you’re overseas, call Zurich Assist reverse charges on 
+61-2-9995-2021, 24 hours a day, 7 days a week.

When you're back in Australia

You need to make any claims within 30 days of returning from overseas.
 

To make a claim, fill in a Travel Claim Form (PDF 218KB) and send it to Zurich. You'll need copies of documents showing that you qualify for cover and supporting your claim. (See the Frequently Asked Questions for details.)
 

For purchases before 28 March, 2011, please read the Gold Credit Card and Platinum Credit Card Complimentary Insurance and Guaranteed Pricing Cover brochure.
 

Where can I find out more?

• Download the Credit Card Complimentary Insurance and Guaranteed Pricing Cover booklet.
• Email Zurich at pd.claims@zurich.com.au
• Call Zurich on 1800 285 189, 8am – 5pm (Sydney time), Monday to Friday, or reverse charges from overseas on +61-2-9995-2021, 24 hours a day, 7 days a week.