Help us improve our website by completing a quick survey. Start survey now

Complimentary international travel insurance

How it works

  • Use your CommBank Awards points or CommBank Gold, Platinum or Diamond credit card to pay for overseas travel before leaving Australia (and meet some eligibility criteria)
  • Receive travel insurance cover for you, your spouse and your dependent children  who travel with you for the entire journey
  • You’re covered if you get sick or injured, or have your belongings stolen while you’re away* 
  • You could also be covered for other expenses such as unexpected flight delays or the costs of arranging alternative transport*

Complimentary International Travel insurance is extended to all eligible CommBank Gold, Platinum or Diamond credit card holders who before leaving Australia simply:

  • Spend $1,000 or more on prepaid travel costs listed below by redeeming your CommBank Award points and/or using your active, eligible CommBank Gold, Platinum or Diamond credit card; and 
  • Have return overseas travel tickets.

If you’re eligible as outlined above, then your spouse and dependent children who travel with you for the entire journey on the same itinerary will also be covered, provided that before leaving Australia they have a return overseas travel ticket and you spend on each $1,000 or more on their prepaid travel costs by redeeming your CommBank Award points and/or using your active eligible CommBank Gold, Platinum or Diamond credit card

See the ‘What isn't covered’ section for aged 80-plus restrictions.

‘Pre-paid travel costs’ are the expenses related to your overseas journey that you pay for using your eligible CommBank Gold, Platinum or Diamond credit card or by redeeming your CommBank Award points before leaving Australia. For example, payment for:

  • Your return overseas travel tickets; and/or
  • Airport and departure taxes; and/or
  • Pre-paid overseas accommodation; and/or
  • Pre-paid overseas tours/travel; and/or
  • Pre-paid overseas car hire; and/or
  • Pre-paid overseas itinerary items

You do not have to let CommBank or the insurance provider, Zurich, know that you are travelling. You’re automatically covered once you’re  eligible (as described above) for this insurance.

However, if you, your spouse or your dependent children have any pre-existing medical conditions, these pre-existing medical conditions are not covered unless express approval has been given by the insurer. To apply to cover these medical conditions, please call1800 285 189. 

†This must include travelling from and returning to Australia.

If you have this card

Your cover will last for

Looking to apply?

Diamond Awards

Up to 12 months of travel

Platinum Awards

Up to 6 months of travel

Gold Awards

Up to 3 months of travel

Low Rate Gold

Up to 3 months of travel

Low Fee Gold

Up to 3 months of travel

Awards

Not available

Low Rate

Not available

Low Fee

Not available

What is covered

Benefit1

Diamond and Platinum (all amounts in AUD)

Gold (all amounts in AUD)

Medical and hospital expenses incurred overseas

Note: From 1 September, 2013, people aged 80 years and over are not eligible for this benefit.

Enjoy unlimited cover, except for these limits:

  • Emergency dental treatment up to $1,500
  • Bed-care patient allowance (extras such as TV rental or newspapers) up to $100 for each continuous 24 hours while you’re in hospital, to $10,000

Enjoy unlimited cover, except for these limits:

  • Emergency dental treatment up to $1,500
  • Bed-care patient allowance (extras such as TV rental or newspapers) up to $75 for each continuous 24 hours while you’re in hospital, to $7,500

Loss of or damage to business and personal belongings

Up to $15,000 a person, to a maximum $30,000. Limits also apply to specific items2.

Up to $10,000 a person, to a maximum $20,000. Limits also apply to specific items2.

Unexpected cancellation of travel arrangements and other unexpected expenses

Note: From 1 September, 2013, cover for some events will not be provided for people aged 80 years or over.

Unlimited (some exceptions and limits apply)2.

Unlimited (some exceptions and limits apply)2.

Restarting your journey

A limit of $5,000 a person, to a maximum $10,000 for a cardholder travelling with their spouse and/or dependent children.

A limit of $5,000 a person, to a maximum $10,000 for a cardholder travelling with their spouse and/or dependent children.

Special events

Up to $3,500 to cover arranging alternative public transport.

Up to $3,500 to cover arranging alternative public transport.

Rental vehicle insurance excess

Up to $2,250.

Up to $2,250.

Travel delay

Costs of meals and accommodation after a six-hour delay. There is a limit of $250 a person, up to $500 for a cardholder travelling with their spouse and/or dependent children.

For each extra 12-hour period, see the policy booklet.

Costs of meals and accommodation after a six-hour delay. There is a limit of $250 a person, up to $500 for a cardholder travelling with their spouse and/or dependent children.

For each extra 12-hour period, see the policy booklet.

Funeral expenses

A limit of $12,500 a person, up to $25,000 for a cardholder travelling with their spouse and/or dependent children for an overseas funeral or cremation, or return of the remains to Australia.

A limit of $12,500 a person, up to $25,000 for a cardholder travelling with their spouse and/or dependent children for an overseas funeral or cremation, or return of the remains to Australia.

Accidental death

For an accidental death not covered under the Transit Accident Insurance, $50,000 a cardholder, $25,000 a spouse and $5,000 a dependent child.

For an accidental death not covered under the Transit Accident Insurance, $25,000 a cardholder, $25,000 a spouse and $5,000 a dependent child.

Legal liability

Limit of $2,500,000.

Limit of $2,500,000.

Loss of income

Up to three months' cover for the loss of usual income, up to $750 a person per week, up to $7,500.

Up to three months' cover for the loss of usual income, up to $750 a person per week, up to $7,500.

Hijack and detention

Up to $250 a person for each continuous 24 hours you are detained, up to $5,000.

Up to $250 a person for each continuous 24 hours you are detained, up to $5,000.

1All benefits are subject to the terms and conditions contained in the Credit Card Complimentary Insurance and Guaranteed Pricing Cover brochure (PDF 228KB).

2See ‘Part A: Cover limits and summary of what cover we provide’ in the Credit Card Complimentary Insurance and Guaranteed Pricing Cover brochure for details.

What isn't covered

Like any insurance, there are some exclusions and limitations to help keep the costs of premiums down for all our customers. Examples include:

  • Pre-existing medical conditions (unless the insurer has expressly agreed to cover them and you have paid an administration fee for the application)
  • Any expenses from a normal pregnancy; and
  • Travel taken against medical advice; and
  • Travel where the  purpose is to seek medical advice; and
  • Lost, stolen or damaged items left unattended in a public place; and
  • The financial collapse or insolvency of any unlicensed travel agent or any unlicensed service provider; and
  • Any event that you or someone else acting for you caused on purpose; and
  • Some items you or your travel companion take or buy during your trip; and
  • Some dangerous activities; and
  • We also don’t pay a benefit if a benefit is provided or extended to you, your spouse or dependent child under another Insurance policy for the same claim.

For full details see ‘Policy exclusions – What is not covered’ (pages 18-22) and ‘Pre-existing medical conditions’ (page 32) of the Credit Card Complimentary Insurance and Guaranteed Pricing Cover brochure.

  • From 1 September 2013, in regard to Benefit ‘1. Medical and hospital expenses incurred overseas for persons aged 79 years or younger at the time they became eligible for this insurance’ of the International travel insurance (page 38) policy, cover is not provided for persons 80 years of age or older at the time they become eligible for the insurance
  • Also in regard to Benefit ‘3. Unexpected cancellation of travel arrangements and other unexpected expense’ of the International travel insurance (page 42) policy, cover for some events is not provided for persons 80 years of age or older

For full details of restrictions on cover for those aged 80 years or over, please refer to the Credit Card Complimentary Insurance and Guaranteed Pricing Cover brochure.

While you’re away

  • A copy of the Credit Card Complimentary Insurance and Guaranteed Pricing Cover brochure. If you can’t print it, call us on 13 2221 and we’ll post one to you
  • A copy of your itinerary or proof of travel arrangements, plus receipt or tax invoice
  • Account statements for your eligible credit card, proving that you used this card to pay for your ticket and other travel purchases; and/or
  • A copy of the letter, statement or email confirming that you redeemed your CommAwards points to pay for some or all of your overseas travel tickets
  • If applicable, a copy of the document confirming that cover is provided for your pre-existing medical condition/s

Jewellery, watches, cameras, laptops, mobile phones, electrical items or cash won’t be covered if you leave them in:

  • Motor vehicles
  • Checked-in bags
  • Luggage or bags (unless you or your travel companion/s are in close proximity and are watching them)

None of your belongings will be covered if they are:

  • Left unattended in a public place
  • Left unattended in an unlocked motor vehicle
  • Left unattended in a motor vehicle where someone outside the vehicle can see them
  • Left unattended in a motor vehicle overnight
  • Left behind, forgotten or misplaced in a public place
  • Left with someone who steals or deliberately damages them
  • If you need help while you’re overseas, call Zurich Assist in Australia at any time on +61 2 9995 2020
  • You can make reverse charge calls to this number from many countries through Australia Direct®, Telstra’s international reverse charge service
  • Report the loss, theft or damage to the police or nearest government agency within 24 hours of it happening
  • In your report, list and describe each missing or damaged item
  • Make a copy of your report and get the police or government authority to sign it, and write on it that it is a true and accurate copy of the original

Making a claim

  • Call Zurich Assist in Australia at any time on +61 2 9995 2020
  • You can make reverse charge calls to this number from many countries through Australia Direct®, Telstra’s international reverse charge service
  • 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
  • Include copies of documents showing you qualify for cover and supporting your claim 
Learn more
  • You may need to pay an excess (part of the cost of the claim that you must pay first before insurance cover applies) on some claims
  • You’ll have to pay the first $250 for each claim you make for:
    • Medical and hospital expenses incurred overseas
    • Loss of or damage to certain business and personal items
    • Unexpected cancellation of travel arrangements
    • Other unexpected expenses
    • Restarting your trip
    • Missing a special event
  • If you make more than one claim because of a single event, you’ll only need to pay the excess once
  • There’s no excess for replacing your travel documents, credit cards and travellers cheques, or the emergency replacement of your clothes and toiletries

Related topics

Insure your card with Credit Card Plus to ensure you can pay your credit card bill in the event of unforeseen circumstances.

Learn more

Provides protection for most purchases made with a CommBank Gold, Platinum or Diamond credit card.

Learn more

Receive up to one year’s extra warranty on most purchases made with a CommBank Gold, Platinum or Diamond credit card.

Learn more

Provides a more secure way to shop online with added protection against the fraudulent use of your card.

Learn more

Further reading

How can we help you?

Important information
*As with any insurance cover, there are conditions and limits. See our Credit Card Complimentary Insurance and Guaranteed Pricing Cover brochure for full details. You can also check the definitions of key terms such as spouse’ and ‘dependent children’ here.

Credit Card Complimentary Insurances and Guaranteed Pricing Cover (“the Cover”) is issued by Zurich Australian Insurance Limited ABN 13 000 296 640 AFSL 232507 (“Zurich”). Neither the Commonwealth Bank of Australia nor any of its related corporations guarantee or are liable to pay any of the benefits provided under the Cover, nor are they authorised representatives of Zurich. The Commonwealth Bank arranges these insurance Covers with the product issuer. You do not hold these insurances, which are automatically available to you, but receive benefits under the insurance Covers as a third party beneficiary, although you are not obliged to accept them. If you do want to make a claim under any of the insurance Covers, you will be bound by the terms and conditions of the insurance Covers, as set out in the Credit Card Complimentary Insurance and Guaranteed Pricing Cover brochure (PDF 374KB). No commission or remuneration is paid to the Commonwealth Bank or its staff in relation to the Cover. Note that terms and conditions, limits to Cover, and some excesses apply. You should consult the Credit Card Complimentary Insurance and Guaranteed Pricing Cover brochure (PDF 374KB) for more information, or phone Zurich on 1800 285 189, 8.00am to 5.00pm (Sydney time).

Loading…
Google+