Myth: You don’t need travel insurance if you’re going to a safe country
Even if the country you’re going to isn’t known for pickpockets, travel insurance can still help you out should your luggage be lost, a flight missed or there’s any damage to your rental car.
Myth: You don’t need travel insurance if you’re healthy
Some travel insurance claims have nothing to do with illness or injury. Travel insurance is just as likely to come to your rescue for a dropped camera or stolen property as it is for a trip to the emergency room.
Myth: Your claim won’t be approved if you have a pre-existing medical condition
This isn’t always the case. The Product Disclosure Statement (PDS) of the travel insurance policy you’re looking at may have a list of pre-existing medical conditions that are automatically covered under your policy.
If in doubt, ask the insurer for more information.
Myth: You don’t need to purchase travel insurance until the day you leave
If you can, it’s worthwhile trying to purchase travel insurance as soon as you start booking your holiday.
It shouldn’t cost you any more to take out travel insurance in the weeks leading up to your trip because you’ll still be entering the same travel dates. But by purchasing it sooner rather than later, you may be covered should something happen in the lead-up to your trip that means you can no longer travel on those dates or have to make other changes.
Myth: You’ll be covered for everything if you book your trip on your credit card
It’s great if your credit card includes international travel insurance that you simply need to activate.
But, as with any insurance policy, it’s important to read the policy terms and conditions to check whether you need to do anything to activate insurance cover and to make sure you’re covered for everything you want to be covered for.
If you’re not, see if you can upgrade the cover you’ve already activated, or look at what additional insurance you may want to add to give yourself peace of mind.
CommBank emergency details
- Lock, Block, Limit your CommBank credit card or lock your Travel Money Card for added security
- Cancel and order replacement CommBank cards in NetBank or the CommBank app
- Call us 24/7 on +61 2 9999 3283 to report lost or stolen CommBank cards
For 24 hour travel insurance emergency assistance, call Cover-More in Australia direct and toll free on +61 2 8907 5641. You can also call from:
- Canada on 1844 345 1662
- New Zealand on 0800 632 031
- UK on 0808 234 3737
- USA on 1844 345 1662
Charges apply if calling from a pay phone or a mobile phone.