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, XCover 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 XCover 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 XCover’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.
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 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 XCover 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;
all your existing medical conditions must be on this list;
you must not have been hospitalised or required treatment by a medical practitioner in the last 12 months for any of the listed conditions;
you must not be under investigation for any of the listed conditions;
you must not be awaiting investigation, surgery, treatment, or procedures for any of the listed conditions; and
your condition meets the criteria outlined in the relevant PDS:
If your existing medical condition falls outside the criteria under the conditions XCover automatically covers, 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 XCover of your condition. Please complete an online medical condition assessment as part of purchasing your travel insurance or call us using the phone numbers displayed on your travel insurance hub. You’ll know instantly 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, XCover 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 review the relevant PDS for any exclusions or special arrangements.
For Inbound Plans, cover is only available for travellers up to 79 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.
For eligible cards (Gold Awards1, Platinum Awards2, Diamond Awards2, Smart, Ultimate, Qantas Business Rewards credit card and World Debit Mastercard), to receive cover, before you leave Australia you must:
Keep in mind, we’ll need to provide some personal details of all cardholders on your account (if activating insurance included on your eligible card) and some of your personal details to our insurance provider, XCover. During your activation or policy purchase you’ll be transferred to the XCover website. Any further Personal Information (including health information) you provide to XCover directly will be handled by XCover in accordance with the XCover - Privacy Policy.
Customers will also qualify if the $500 worth of prepaid travel costs is redeemed using CommBank Awards points or Travel Booking travel credits (prior to 29 September 2026) or using CommBank Yello points or Travel booking credits (from 29 September 2026). Customers 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.
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 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.
For policies from 29 September 2026
Update your contact details, locate your Certificate of Insurance, add or remove travellers and make changes to your travel insurance policy.
1. Products & Features,
2. Travel,
3. More Travel Services, then
4. Make a claim or Manage.
Keep in mind you’ll be transferred to the XCover website. Any further Personal Information (including health information) you provide to XCover directly will be handled by XCover in accordance with the XCover - Privacy Policy.
For policies activated prior to 29 September 2026
Managing your travel insurance policy over the phone
Update your contact details, locate your Certificate of Insurance, add or remove travellers and make changes to your travel insurance policy.
Call Cover-More, 8am-5pm Mon - Fri and 9am-4pm Sat (Sydney/Melbourne time)
Within Australia: call Cover-More on 1300 467 951
From overseas: call Cover-More on +612 8907 5060 (call charges may apply)
If you have purchased one of the Travel Insurance Plans from 29 September 2026
You can manage modifications through the travel insurance hub. It only takes a couple of minutes to get requoted and covered again with new travellers, destinations or dates.
If you have activated international travel insurance available with your eligible card from 29 September 2026
If you want to extend your trip for reasons other than an unforeseen delay, you can apply for Trip Extension cover before your original protection period ends. Log in to the CommBank app, go to your activated trip, and add the extension in your Insurance Hub. You can only have one Overseas Travel Policy active per trip, so check your certificate for your current end date and apply quickly.
If you have purchased one of the Travel Insurance Plans prior to 29 September 2026
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 prior to 29 September 2026
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 or activated a policy from 29 September 2026
An excess is the amount you contribute towards an approved claim before XCover pays the rest - for example, if your excess is $500 and your approved claim is $3,000, you’ll receive $2,500.
Excess amounts vary by benefit and by card type. $500 is the standard excess for benefits such as hospital incidentals, emergency dental expenses and cancellation costs, while some benefits, including overseas emergency medical assistance, personal liability and baggage delay expenses, may have no excess. Your Product Disclosure Statement and Certificate of Insurance set out the exact excess that applies to your card and each benefit.
If you have purchased or activated a policy prior to 29 September 2026
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.
If you have purchased or activated a policy from 29 September 2026
Submit your claim as soon as possible after the incident - ideally within 30 days. The sooner you claim, the easier it is to gather supporting documentation and the faster your claim can be assessed. You can submit a claim from anywhere in the world through your Travel Insurance Hub; you don’t need to wait until you’re back in Australia.
Need help knowing which documents you need to gather for your claim? Please check the XCover Help Centre.
If you have purchased or activated a policy prior to 29 September 2026
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.
Call 8am-5pm Mon - Fri and 9am-4pm Sat (Sydney/Melbourne time)
If you have purchased or activated a policy from 29 September 2026
Most claims submitted through the insurance hub are assessed within 5-10 business days of us receiving all required documentation. Complex claims, or those needing additional information, may take longer. You’ll receive email updates at key stages, and you can open the CommBank Travel Insurance Hub at any time to track your claim status in real time.
If you have purchased or activated a policy prior to 29 September 2026
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).
If you have purchased or activated a policy from 29 September 2026
If you have a medical emergency overseas, call XCover Assist immediately. Once your cover is activated, you’ll find the number on your email confirming your activated trip cover and in the CommBank Travel Insurance Hub - it’s worth saving to your phone before you travel. They’ll guide you through the process or direct you to XCover for assistance. You’ll need to provide your trip reference (ending in -TRP) to verify yourself.
XCover Assist can help with:
Overseas emergency medical assistance is covered at an unlimited amount on all eligible CommBank cards, with no excess on the assistance benefit itself.
If you have purchased or activated a policy prior to 29 September 2026
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.
Within Australia: call Cover-More on 02 8907 5641 (24/7)
From overseas: call Cover-More on +61 2 8907 5641 (24/7)
If you have purchased or activated a policy from 29 September 2026
You, or someone on your behalf, should phone XCover Assist as soon as possible if you require hospitalisation, or if you must return early due to a medical incident that’s covered by your international travel insurance. When you call, you will require all of the following:
Your policy number (ending in -INS)
Your trip reference number (ending in -TRP)
If you have purchased or activated a policy prior to 29 September 2026
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 have purchased or activated a policy from 29 September 2026
If you can’t return home by your planned date because of circumstances outside your control - for example your scheduled transport home is delayed for reasons beyond your control, or you’re admitted to hospital overseas - your protection period automatically extends at no extra cost until you’re able to complete your trip. You don’t need to apply for anything; you just need to return home as soon as you’re able to. This automatic extension only covers incidents that occur within your original protection period. If you’d like more time for your trip rather than facing an unforeseen delay, see ‘I want to extend my journey’ below.
If you have purchased or activated a policy prior to 29 September 2026
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).
1 Gold Awards cards are no longer available for sale from 23 March 2018.
2 Platinum Awards & Diamond Awards cards are no longer available for sale from 3 June 2023.
Cover is provided by XCover.com, a trading name of Cover Genius Pty Ltd (ABN 43 159 983 598, AFS Licence No. 490058), and underwritten by Allied World Assurance Company Ltd (ABN 54 163 304 907), for Commonwealth Bank of Australia (CBA). Limitations, exclusions (including for pre-existing medical conditions and persons aged 80 years or over) and eligibility criteria apply. You may need to upgrade your travel insurance in order to have a comprehensive or extended level of cover. Before acting on this information you should consider the appropriateness of the product with regard to your personal circumstances.
See the Card Insurances Combined Product Disclosure Statement and Financial Service Guide and Card Travel Insurance Target Market Determination for details.
For World Debit Mastercard, see the World Debit Mastercard Combined Product Disclosure Statement and Financial Service Guide and World Debit Mastercard Insurances Target Market Determination.
For Qantas Business Rewards, see the Qantas Business Rewards Combined Product Disclosure Statement and Financial Services Guide and Qantas Business Rewards Target Market Determination.
For purchasable Travel Insurance, see Travel Insurance Combined Product Disclosure Statement and Financial Services Guide and Travel Insurance Target Market Determination.
Commonwealth Bank and its related bodies corporate do not issue or guarantee this insurance. It does not represent a deposit with or liability of either Commonwealth Bank 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 (Commonwealth Bank) receive a commission which is a percentage of your premium.
For policies activated prior to 29 September 2026, please see Cover-More’s Card Insurance Combined Product Disclosure Statement & Financial Service Guide (prior to 29 September 2026) and World Debit Mastercard Insurances
For policies purchased prior to 29 September 2026, please see Cover-More’s Travel Insurance - Combined Product Disclosure Statement and Financial Services Guide (prior to 29 September 2026)
~ Cover will not exceed 12 months from onset of the illness, condition, or injury.
