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Travel / Travel Insurance / Credit Card Travel Insurance

International travel cover eligibility & activation

  • Cards with comprehensive international insurance cover available

    International travel insurance available with eligible cards

    International travel insurance for cardholders, their spouse, and up to ​​​8​ accompanied children travelling with them for the entire journey, is included with these CommBank ​​cards:

    • ​​Gold Awards1 credit card

    • ​Platinum Awards2 credit card

    • ​Diamond Awards2 credit card

    • ​Smart credit card

    • ​Ultimate credit card

    • ​​Qantas Business Rewards credit card ​ ​​​

    • ​​World Debit Mastercard™

  • Check if you are eligible

    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:

    1. Spend at least $500 in a single transaction on your prepaid travel costs (e.g. airline tickets, hotels, tours etc) using your eligible card; and​

    2. Activate your travel insurance. 

    Customers will need to activate Travel Insurance via the CommBank App. You will need to open your CommBank App and:

    1. Search ‘Travel Insurance’, 

    2. Select ‘Travel Insurance’ from the search results. 

    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.

Check what's covered

The following is a working copy of the webpage’s summary of key benefits and maximum benefit limits. Refer to the relevant Product Disclosure Statement for full limits, sub-limits, conditions, exclusions and excesses.

Benefit
Gold Awards & Platinum
Diamond, Smart & Ultimate
World Debit Mastercard
Qantas Business Rewards
Overseas medical benefits – excess applies
Yes
cardholder + family
Yes
cardholder + family
Yes
cardholder + family
Yes
cardholder + family
Overseas funeral, cremation, body repatriation
$12,500 cardholder / $25,000 family 
$12,500 cardholder / $25,000 family 
$12,500 cardholder / $25,000 family 
$12,500 cardholder / $25,000 family 
Cancellation costs – excess applies
$2,500 cardholder / $5,000 family
Ultimate – Unlimited  Smart + Diamond - $2,500 cardholder / $5,000 family 
$5,000 cardholder / $10,000 family 
$5,000 cardholder / $10,000 family 
Resumption of journey – excess applies
$5,000 cardholder / $10,000 family 
$5,000 cardholder / $10,000 family 
$5,000 cardholder / $10,000 family 
$5,000 cardholder / $10,000 family 
Accidental death
$25,000 cardholder + spouse / $5,000 child 
$50,000 cardholder / $25,000 spouse / $5,000 child 
$25,000 cardholder + spouse / $5,000 child 
$25,000 cardholder / $25,000 spouse / $5,000 child 
Loss of income
$7,500 cardholder + family
$7,500 cardholder + family
$7,500 cardholder + family
Up to $750/week (max 3 months) 
Travel documents, cards, cheques and cash 
$500 cardholder / $1,000 family 
$500 cardholder / $1,000 family 
$500 cardholder / $1,000 family 
$500 cardholder / $1,000 family 
Baggage & personal goods – excess applies
$10,000 cardholder / $20,000 family 
$15,000 cardholder / $30,000 family
$5,000 cardholder / $10,000 family
$15,000 cardholder / $30,000 family
Baggage delay expenses
$500 cardholder / $1,000 family 
$500 cardholder / $1,000 family 
$500 cardholder / $1,000 family 
$500 cardholder / $1,000 family 
Travel delay expenses
$650 cardholder / $1,300 family 
$650 cardholder / $1,300 family 
$650 cardholder / $1,300 family 
$650 cardholder / $1,300 family 
Alternative transport expenses – excess applies
$3,500 cardholder + family
$3,500 cardholder + family
$3,500 cardholder + family
$3,500 cardholder + family
Rental vehicle insurance excess
$2,250 cardholder + family
$2,250 cardholder + family
$2,250 cardholder + family
$2,250 cardholder + family
Hijack and kidnapping
$5,000 cardholder + family
$5,000 cardholder + family
$5,000 cardholder + family
$5,000 cardholder + family

Doing more than relaxing? 

​​​​Consider adding activity cover. Optional activity cover may be available for an additional premium.​​ 

Couple on cruise ship

Cruise extras  

Includes cover for lost or damaged formal cruise clothes, pre-paid shore excursion cancellation, cabin confinement due to illness or injury and marine rescue diversion.

Skiing

Snow extras

Includes cover for hire, repair or replacement of snow sports equipment, alternative ski arrangements due to weather conditions, as well as cover for unused lift passes, ski hire or lesson costs if you’re sick or injured during your trip.

Couple on moped

Motorcycle/Moped riding cover

Clear exclusions e.g. not for motocross. You must meet licensing eligibility criteria and wear a helmet

Scuba diver

Adventure plus

Includes cover for bungy jumping, jet skiing, jet boating, horse riding, white water rafting, scuba diving to a depth of 30m and more.Some exclusions and eligibility criteria:

Any existing medical conditions?

How to make a claim

  • For policies activated from 29 September 2026:​​

    • ​​​Your claim will be managed by XCover:​​
    • ​​​​​Ensure you have your Trip reference (ending in -TRP) and your policy number (ending in -INS) at hand.
    • ​To make a claim, please use the CommBank App. You will need to navigate to:

    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.​​​​
    • ​​​Call XCover, 8am–5pm Mon–Fri and 9am–4pm Sat (Sydney/Melbourne time) using the phone number displayed on the insurance hub or your activation e-mail.​​

  • ​​​For activated prior to 29 September 2026:​​

    Your claim will be managed by Cover-More, our travel insurance provider.

    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’re unable to upload supporting documents​​

  • ​For policies purchased or activated from 29 September 2026:​​​

    ​​​​Reply to your trip activation e-mail from XCover, or get in touch with us at support@xcover.com and let us know what went wrong. Make sure to include a description of your claim, and all supporting evidence. Please note that we might request you to fill out a form to help us understand your situation better.​​​​​

    ​​​​Always include your policy number (-INS), trip reference number (-TRP), and contact details when you contact us, so we can help you as fast as possible.​​​​​​​​​​​​​​​

  • ​​​For policies purchased or activated prior to 29 September 2026:​​

    ​​​Post them to: 
    CommBank Travel Insurance 
    c/o Cover-More 
    Private Bag 913 
    North Sydney NSW 2059 
    Australia 
     
    Include your policy number and contact details.​​

  • What you'll need to submit your claim

    If you need to make a claim, in addition to your Certificate of Insurance, you’ll need to provide evidence of a minimum $500 pre-paid travel, trip-related transaction made before leaving Australia, on your eligible credit card statement (or confirmation of redemption if using CommBank Awards ​points (on policies activated prior to 29 September 2026) or CommBank Yello points (on policies activated from 29 September 2026)​ ​​or Travel Booking travel credits, with supporting confirmation required.​​ points or Travel Booking travel credits).

    The transaction cannot appear on another account, for example, your debit card or savings account. 

    View how to make a claim to see what you should consider and which documents and information to have handy before making your claim.  

In an emergency

​​​For policies activated from 29 September 2026, contact XCover for 24 hour Emergency Assistance: ​​

  • ​​​Your XCover Assist 24 hour emergency assistance number is provided in your Insurance Policy. 

  • ​Or reach out to CBA for support at 1800 861 411 (within Australia) or +61 3 9088 0325 (from overseas). They’ll guide you through the process or direct you to XCover for assistance. 

​For policies activated before 29 September 2026, contact Cover-More for 24 hour Emergency Assistance: 

  • ​You may contact Cover-More emergency assistance at: 

  • ​Within Australia: call Cover-More on 02 8907 5641 (24/7) 

Woman travelling

Other Insurances

​​​A range of other insurances are also available on eligible credit and debit cards.​​

Insurance
Eligible Personal/Business/Corporate Credit Cards
Eligible Debit Cards
Cracked Screen Cover
  • Smart
  • Ultimate
Extended Warranty
  • Qantas Business Rewards
  • Platinum Debit
  • World Debit
Guaranteed Pricing
  • Qantas Business Rewards
  • Platinum Debit
  • World Debit
Interstate Flight Inconvenience
  • Qantas Business Rewards
Purchase Security
  • Qantas Business Rewards
  • Platinum Debit
  • Travel Money
  • World Debit
Transit Accident
  • Business Awards
  • Business Gold Awards
  • Business Interest Free
  • Business Low-Rate 
  • Business Platinum Awards
  • Corporate Charge Card
  • Corporate Credit Card
  • Procurement Management Account (PMA) (Including Virtual Cards and Business Liability Business Credit Cards (BLBCC))
  • Qantas Business Rewards
Unauthorised Transaction
  • Business Awards
  • Business Gold Awards
  • Business Interest Free
  • Business Low-Rate 
  • Business Platinum Awards
  • Corporate Charge Card
  • Corporate Credit Card
  • Procurement Management Account (PMA) (Including Virtual Cards and Business Liability Business Credit Cards (BLBCC))
  • Qantas Business Rewards

Terms and Conditions for other insurance products:

For claims relating to transactions made from 29 September 2026 please refer to:

For claims relating to transactions made prior to 29 September 2026 please refer to:

Travel Insurance FAQs

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