What’s changing?

From 1 October 2018, we will be partnering with Cover-More (agent of Zurich Australian Insurance Limited (Zurich)). Eligible cardholders will continue to receive the same benefits you receive today, plus you will have access to additional upgrade options to choose from.

New upgrade options include Motorcycle/Motor scooter/Quadbike Plus and Adventure Plus - a premium will apply to each upgrade that Cover-More agrees to.

Full details of the cover available through Cover-More can be found in the Product Disclosure Statement and Information Booklet (PDF).

What’s staying the same?

As a CommBank Gold, Platinum or Diamond credit card holder you can continue to access the same level of comprehensive cover through the international travel insurance included with your card. The following will not change:

  • No minimum travel related spend is required on your eligible card to access your included travel insurance, our Australian-first activation process is staying the same. All you have to do is activate your cover by following one of the options below 
  • We will send you your Certificate of Insurance which includes your policy number as confirmation that you and your eligible family members or dependents (if they travel with you for the entire journey) are covered while you’re on holiday
  • Print out a copy of your Certificate of Insurance to take with you as it contains important details you may need
  • You can still amend your cover online up to the day you travel through our Travel Insurance Manager 
  • Easy to navigate online claims submission

How to activate your travel insurance

In NetBank

If you have a CommBank Gold, Platinum or Diamond credit card it’s important to activate your international travel insurance before you leave for your trip. 

  • Log on to NetBank
  • Click Settings
  • Choose Travel Insurance Activation and complete the form (make sure you hit Continue on the second screen)

Activate in NetBank

In the CommBank app

  • Log on to the CommBank app
  • Tap top left drop down
  • Choose overseas travel
  • Tap Get travel insurance and complete the form

Explore the CommBank app

Calling the team

  • Before 1 October 2018 call Allianz Global Assistance on 1800 837 177
  • On or after 1 October 2018 call Cover-More on 1300 467 951

Reassurance while you’re away

Always activate your travel insurance included in your CommBank Gold, Platinum and Diamond credit card as soon as your trip is booked to get comprehensive cover.

When you activate, your policy includes these benefits and more:

  • Unlimited2 overseas emergency medical assistance and hospital expenses1
  • Cancellation cover and additional cover for travel delays1
  • Cover for lost luggage and personal belongings1
  • Personal liability cover1
  • Cover for loss of income if an injury prevents you from working1

How to make a claim

Cover activated before 1 October 2018

  • Your claim will be managed by Allianz Global Assistance
  • Make a claim online via Allianz Global Assistance’s Online Claims Portal
  • Call Allianz Global Assistance on 1800 837 177

 

Cover activated on or after 1 October 2018

Important info

Didn’t activate your international travel insurance or need to claim on the other insurances available with your credit card? 

  • If the event you’re claiming for occurred before 1 October, make a claim with Allianz Global Assistance. Call Allianz Global Assistance on 1800 837 177
  • If the event you’re claiming for occurred on or after 1 October, make a claim with Zurich via Cover-More. Call Cover-More on 1300 467 951

If you activate your international travel insurance after you have left Australia, there will be a three day no-cover period before you can receive the comprehensive cover available with the activated policy.

Travel tips

  • Activate your cover as soon as your trip is booked – here’s more information on how to do this.
  • If you have an eligible credit card, already activated the international travel insurance included with your card and have your Certificate of Insurance, you are covered
  • Print your certificate of insurance. We email it to you once your cover has been activated
  • Take a copy of your Certificate of Insurance with you (just in case you need help when you’re away)
  • Keep your belongings safe – discover how

FAQs

What do I need to do?

If you have a Gold, Diamond or Platinum Awards credit card,  have activated your included international travel insurance and have received your Certificate of Insurance, you are already covered.  

Remember, you need to activate your international insurance cover prior to every trip to receive comprehensive cover.

If you don’t activate, you’ll receive personal liability cover and overseas emergency medical assistance and overseas emergency medical and hospital expenses cover only.

I activated my policy with Allianz Global Assistance but I’m travelling after 1 October 2018, is my insurance valid?

Yes, all policies activated before Monday 1 October 2018 will continue to be administered by Allianz Global Assistance. Please refer to the Certificate of Insurance and Product Disclosure Statement emailed to you when you activated the cover. 

Who will be looking after emergency calls?

If you have activated your international travel insurance cover: 

If you activated before 1 October 2018 - call Allianz Global Assistance 24/7 on  +61 7 3305 7499
If you activated or after 1 October 2018 - call Cover-More 24/7 on +61 2 8907 5641 

If you haven’t activated your international travel insurance cover: 

Before 1 October 2018 call Allianz Global Assistance 24/7 on +61 7 3305 7499
On and after 1 October 2018 call Cover-More 24/7 on +61 2 8907 5641

What is a claim event and claim event date?

A claim event is any incident covered under the relevant travel insurance policy for which you can submit a claim.

The claim event date is the date the incident occurred and will determine if you need to claim with Allianz Global Assistance (if the claim event date is before 1 October 2018) or claim with Cover-More (if the claim event date is on or after 1 October 2018).

My claim has been declined, who can I talk to about it?

Allianz Global Assistance: If you have a complaint or dispute in relation to the claim outcome managed by Allianz Global Assistance, please call 1800 837 177.

Alternatively, please put your complaint in writing and send it to the Allianz Global Assistance Dispute Resolution Department, PO Box 162, Toowong, Queensland 4066.

Allianz Global Assistance will attempt to resolve the matter in accordance with their Internal Dispute Resolution process. To obtain a copy of their procedures, please give them a call on 1800 837 177.

Cover-More: If your claim was lodged on or after 1 October 2018 and was declined by Cover-More, you can call the Cover-More Claims Department on 1300 467 951 to discuss your claim with a Claims Officer or request a review of the decision.

Things you should know

1 Terms, conditions, restrictions, exclusions (including for pre-existing medical conditions and persons aged 80 years or over), limits and excesses may apply to all insurances. Please read the relevant Credit Card Insurances Product Disclosure Statement and Information Booklet for more information.

Where used, the term “Unlimited” only means there is no capped dollar sum insured. All costs and expenses claimed must be reasonable. You are only covered for treatment received and/or hospital accommodation during the 12 month period after the sickness first showed itself or the injury happened.

If you activate an international travel insurance policy included with an eligible credit card or where a claim event on other insurances occurs prior to 1 October 2018, the insurance is issued and managed by AWP Australia Pty Limited ABN 52 097 227 177 AFSL No. 245631 (trading as Allianz Global Assistance) on behalf of the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL No. 234708 for Commonwealth Bank of Australia (CBA). Please read the Allianz Global Assistance Credit Card Insurances Product Disclosure Statement and Information Booklet for more information.

If you activate an international travel insurance policy included with an eligible credit card or where a claim event on other insurances occurs on or after 1 October 2018, the insurance is provided by Zurich Australian Insurance Limited, ABN 13 000 296 640, AFS Licence Number 232507 through its agent Cover-More Insurance Services Pty Ltd ABN 95 003 114 145, AFSL 241713 (Cover-More) for Commonwealth Bank of Australia (CBA). Please read the Cover-More Credit Card Insurances Product Disclosure Statement and Information Booklet for more information.

You need to activate your international travel insurance before each trip in order to have comprehensive level of cover. If you don’t activate, you’ll receive personal liability cover and overseas emergency medical assistance and overseas emergency medical and hospital expenses cover only.

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. We do not provide any advice on this insurance based on any consideration of your objectives, financial situation or needs. If you purchase an Upgrade Policy, we receive a commission which is a percentage of your premium - ask us for more details before we provide you with any services on this product.