Activate cover to protect yourself and your family

Comprehensive international insurance cover

International travel insurance is included with Low Fee Gold, Low Rate Gold, Gold Awards1, Platinum Awards and Diamond Awards CommBank credit cards when you activate your insurance in NetBank or the CommBank app.

Then you, your spouse and up to 10 accompanied children, if they’re travelling with you for the entire journey, are protected. 

If you don’t have an eligible CommBank credit card, take a look at our CBA International and Domestic Travel Insurance instead.

Activate it. Then you’re protected

Paid for your accommodation or flights? Activate your included cover in NetBank or the CommBank app to receive comprehensive cover.

Upgrade your cover to include more adventurous activities or if you or a family member travelling with you for the entire journey, has an existing medical condition that's been approved. A premium will apply.

Check what's covered

This table is a summary of the key benefits and their maximum benefit limits. If any excess applies, it’ll be included on your Certificate of Insurance.

For everything that’s covered including limits, sub-limits, conditions and exclusions, carefully read our Product Disclosure Statement (PDS).

Summary of benefits
Low Fee Gold, Low Rate Gold & Gold Awards1
Platinum Awards & Diamond Awards
Overseas medical benefits – excess applies
Yes
cardholder + family
Yes
cardholder + family
Overseas funeral, cremation, body repatriation
$12,500 – cardholder only
$25,000 – family
$12,500 – cardholder only
$25,000 – family
Cancellation costs – excess applies
$10,000 – cardholder only
$20,000 – family
Unlimited
cardholder + family
Travel services provider insolvency – excess applies
$5,000 – cardholder only
$12,000 – family
$5,000 – cardholder only
$12,000 – family
Resumption of journey – excess applies
$5,000 – cardholder only
$10,000 – family
$5,000 – cardholder only
$10,000 – family
Accidental death
$25,000 – cardholder + spouse
$5,000 – child
$50,000 – cardholder only
$25,000 – spouse
$5,000 – child
Loss of income
$7,500
cardholder + family
$7,500
cardholder + family
Travel documents, transaction cards, traveller’s cheques and cash
$500 – cardholder only
$1,000 – family
$500 – cardholder only
$1,000 – family
Baggage & personal goods – excess applies
$10,000 – cardholder only
$20,000 – family
$15,000 – cardholder only
$30,000 – family
Baggage delay expenses
$500 – cardholder only
$1,000 – family
$500 – cardholder only
$1,000 – family
Travel delay expenses
$650 – cardholder only
$1,300 – family
$650 – cardholder only
$1,300 – family
Alternative transport expenses – excess applies
$3,500
cardholder + family
$3,500
cardholder + family
Rental vehicle insurance excess
$2,250
cardholder + family
$2,250
cardholder + family
Hijack and kidnapping
$5,000
cardholder + family
$5,000
cardholder + family

Doing more than relaxing? 

Consider adding activity cover 

Couple on cruise ship

Cruise cover  

  • Available on Comprehensive, Essentials, Medical only and Inbound Australia for an additional premium
  • Lost or damaged formal cruise clothes, pre-paid shore excursion cancellation, cabin confinement due to illness or injury and marine rescue diversion

Refer to PDS for more info

Skiing

Snow sports cover

  • Cover for hire, repair or replacement of snow sports equipment, alternative ski arrangements due to weather conditions and more
  • Cover has clear exclusions e.g. not racing

Refer to PDS for more info

Couple on moped

Motorcycle/Moped riding cover

  • Cover has clear exclusions e.g. not for motocross, and clear inclusions e.g. you must meet licensing eligibility criteria and wear a helmet

Refer to PDS for more info

Scuba diver

Adventure activities cover

Refer to PDS for more info

Any existing medical conditions?

Why this is important

You and anyone travelling with you needs the reassurance that you’re protected, no matter what. That includes claims directly or indirectly relating to an existing medical condition.

Let’s debunk a myth - being honest about a medical condition doesn’t always mean you can’t get travel insurance.

It pays to be upfront when you answer this, give Cover-More a call if you’re not sure. 

What’s listed?

Many conditions can be automatically included on your activated policy provided you and your condition meet the specified criteria.

Conditions include:

  • Asthma
  • Gout
  • Hay Fever
  • Coeliac Disease
  • High Blood Pressure
  • High Cholesterol

For a full list of conditions and criteria (including pregnancy), check our PDS.

Mine’s not there. Now what?

If all of your existing medical conditions or your travel companion’s conditions aren’t automatically included, you’ll need to complete an online health assessment as part of activating your travel insurance or call 1300 467 951 for help.

You’ll instantly know if they’re covered. If approved, you’ll need to pay an additional premium to cover your existing medical condition.

80 or over?

If you’re 80 or over, you must apply for Upgrades cover. Check our PDS for more info.

How to make a claim

Make a claim online or call Cover-More - our travel insurance provider

Make a claim online or call 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, post them to:

CommBank Travel Insurance
c/o Cover-More
Private Bag 913
North Sydney NSW 2059
Australia

It’s important to also include your policy number and contact details.

What you'll need to submit your claim

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

Make a local or international call

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

Within Australia, to report a lost or stolen CommBank card: 
call us on 13 2221 (24/7)

From overseas: call Cover-More on +61 289075641 (24/7)

From overseas, to report a lost or stolen CommBank card:
call us on +61 2 9999 3283 (24/7)

Woman travelling

Things you should know

We’re simplifying our Awards credit card range, so Gold Awards customers will soon no longer be able to use their Gold Awards card.

To ensure that they continue to get great value, we’re upgrading Gold Awards customers (and their additional cardholder, if applicable) to a new Platinum Awards card at no extra cost. Read more

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).

Terms, conditions, restrictions, exclusions (including for pre-existing medical conditions and persons aged 80 years or over), limits, sub-limits and excesses may apply to all insurances. Please read the Product Disclosure Statement and Information Booklet for more information.

Where used, the term “unlimited” only means there is no capped dollar sum insured. All costs and expenses claimed must be reasonable. You are only covered for treatment received and/or hospital accommodation during the 12 month period after the sickness first showed itself or the injury happened. Sub-limits may apply.

You need to activate your international travel insurance available with eligible credit cards before each trip in order to have a comprehensive level of cover. If you don’t activate, you’ll receive personal liability cover and overseas emergency medical assistance and overseas emergency medical and hospital expenses cover only.

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. If you purchase an upgrade policy, we (CBA) receive a commission which is a percentage of your premium.