Help & support
International travel insurance for cardholders, their spouse, and up to 8 accompanied children travelling with them for the entire journey, is available with eligible CommBank
For eligible cards (Gold Awards1, Platinum Awards2, Diamond Awards2, Smart, Ultimate, Qantas Business Rewards credit cards and World Debit Mastercard) to receive cover, before you leave Australia you must:
1. Spend at least $500 in a single transaction on your prepaid travel costs (e.g. airline tickets, hotels, tours etc) using your eligible credit card; and
2. Activate your travel insurance.
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.
Doing more than relaxing? Consider additional cover if you’re participating in activities like skiing, motorbiking or adventure sports. A premium will apply.
Terms and conditions apply.
See more in the:
Travel Insurance has you covered with international and domestic travel insurance plans that you can tailor for yourself (as the policyholder) and up to 9 people travelling with you for the entire journey.
Plans include:
Comprehensive:
Cover to protect you from lost luggage to cancellations, overseas medical emergency assistance (international plans only), choose your cancellation coverage amount, lost luggage and travel documents, loss of income and permanent disability.Comprehensive cover including unlimited³ overseas emergency medical and hospital expenses cover and more
Domestic:
Protection for trips inside Australia including cover for lost luggage and travel documents, $10,000 in cancellation fees and lost deposits, travel delay expenses and accidental death.
Doing more than relaxing? Consider additional cover if you’re participating in activities like skiing, motorbiking or adventure sports. A premium will apply.
Terms and conditions apply.
See more in the Travel Insurance Combined Product Disclosure Statement and Financial Services Guide
Keep in mind, we’ll need to provide some of your personal details during the purchase or activation (and the personal details of all cardholders on the relevant eligible card) to our insurance provider, XCover. During your activation or 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.
Your claim will be managed by XCover:
Make a claim online; or
call XCover, 8am–5pm Mon–Fri and 9am–4pm Sat (Sydney/Melbourne time) using the phone number displayed on your policy or activation e-mail.
For policies purchased or activated prior to 29 September 2026:
Your claim will be managed by Cover-More:
Cover-More, 8am–5pm Mon–Fri and 9am–4pm Sat (Sydney/Melbourne time).
Within Australia: 1300 467 951
From overseas: +61 2 8907 5060 (call charges may apply)
For Travel Insurance Policies Purchased or Activated from 29 September 2026, call XCover using the phone numbers displayed in your policy email.
Make sure to have your trip reference number (ending in -TRP) and insurance policy number (ending in -INS) at hand when you call.
For Travel Insurance Policies Purchased or Activated prior to 29 September 2026
Within Australia: Cover-More on 02 8907 5641 (24/7)
From overseas: Cover-More on +61 2 8907 5641 (24/7)
Within Australia, lost or stolen CommBank card: 13 2221 (24/7)
From overseas, lost or stolen CommBank card: +61 2 9999 3283 (24/7)
Update your contact details, locate your Certificate of Insurance, add or remove travellers and make changes to your travel insurance policy.
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)
