Help & support
The policy has a general exclusion for pandemics.
It states: We will not pay for claims caused by, or claims arising from, an epidemic, pandemic or outbreak of a contagious disease or any derivative or mutation of such viruses, or the threat or perceived threat of any of these. Refer to who.int and smartraveller.gov.au for further information on epidemics and pandemics.
Therefore, there’s no cover for cancellation due to concerns about coronavirus.
There’s no cover for cancellation if you cancel your trip due to the impact of coronavirus. We encourage you to contact your own travel agent, transport provider, accommodation or tour operator to discuss any actual or proposed changes to travel plans. Your travel provider can provide you with more information about your options for adjusting your travel itinerary or getting a refund.
No, there’s no cover for cancellation because of the impact of the coronavirus pandemic. We recommend all travellers contact their travel provider(s) to discuss any actual or proposed changes to travel plans. Your travel provider can give you more information about your options for adjusting your travel itinerary or getting a refund.
No, there’s no cover for cancellation because of the impact of the coronavirus pandemic.
No, there’s no cover for cancellation because of the impact of the coronavirus pandemic.
No, there’s no cover for cancellation because of the impact of the coronavirus pandemic.
No, there’s no cover for cancellation due to the coronavirus pandemic as there’s a general exclusion on the policy. It’s also a known event, which is excluded from the policy.
If you’re overseas and have been directly affected by coronavirus and need medical help, please call the Cover-More 24-hour emergency assistance team immediately on +61 2 8907 5619.
COVID-19 cover under the Overseas Emergency Medical and Hospital Expenses benefit is now available on eligible CommBank cards for travellers whose journey commenced on or after 10 August 2022, or who activated their policy on or after 10 August 2022. There is no COVID-19 cover for cruise travel. Terms and conditions apply. Please refer to the PDS.
Once you’re back in Australia, there’s no cover under the policy. For example, this means there’s no cover for any medical expenses, out-of-pocket expenses, or loss of income once you’re back in Australia.
‘Overseas Medical Expenses’ and ‘Additional Expenses If You Become Sick’, as defined in your policy, are still covered, as long as they’re unrelated to coronavirus if you choose to travel overseas after the 15 March 2020 Australian Government advice.
Remember – it’s a condition of the policy that you must take all reasonable steps to prevent or minimise a claim. Claims will be assessed in accordance with your policy, taking into account the circumstances of your claim, when you purchased your policy, advice publicly available prior to your entry to a region, where you are travelling to, and the dates of your trip.
The policy has a general exclusion for pandemics. Therefore, you won’t be covered for additional expenses relating to any changes to your trip.
No – you’ll need to contact Cover-More to request an extension and pay any required additional premium, whether you’re genuinely stuck overseas or decide to remain overseas.
The policy has a general exclusion for pandemics. Therefore, you won’t be covered for additional expenses relating to being quarantined, whether you have coronavirus or not.
However, if you’re a CBA credit or debit cardholder, the Cover-More 24-hour assistance team can support you with non-financial assistance, such as assisting with changes to travel arrangements including flights, accommodation and ground transfers. We encourage you to contact your travel agent, transport provider, accommodation or tour operator to check what they can provide under these circumstances.
No, there’s no cover for travel delays or missed connections because of the impact of the coronavirus pandemic.
Your travel insurance product disclosure statement (PDS) (Credit Card Insurances Product Disclosure Statement or World Debit Mastercard insurances Product Disclosure Statement and Information Booklet) includes definitions of ‘pandemic’ and ‘epidemic’ that are used for the purposes of your travel insurance policy wording.
An ‘epidemic’ means a fast-spreading contagious disease or illness in an area, as documented by a recognised public health authority. A ‘pandemic’ means an epidemic that’s expected to affect an unusually large number of people or involves an extensive geographic area.
It’s important that you refer to your PDS for any specific details about your travel insurance cover.
For the most up-to-date information on coronavirus (COVID-19), please refer to the World Health Organization (WHO) and Smart Traveller websites.
Stay up-to-date on information about coronavirus (COVID-19) from the Department of Foreign Affairs and Trade (DFAT) Smart Traveller website and the World Health Organization (WHO).
If you are currently overseas or if you have further questions around what you’re covered for or need to make a claim, contact Cover-More:
This information must be read in conjunction with the Product Disclosure Statement (PDS) as certain terms, conditions, limits, and exclusions apply. These terms, conditions, limits and exclusions are detailed in the PDS and we draw your attention to ‘’Overseas Travel Insurance’ and ‘General Exclusions’ sections of the PDS. Any advice is general advice only.
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).
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.
