Help & support
Effective 7 February 2024, the Credit Card Insurances Product Disclosure Statement and Information Booklet is changing.
Note: These changes will not be applicable to World Debit Mastercards.
The changes include:
International travel insurance is available with Low Fee Gold, Low Rate Gold, Gold Awards^, Platinum Awards*, Diamond Awards*, Smart Awards and Ultimate Awards CommBank credit cards and World Debit Mastercard when you activate your insurance in NetBank, the CommBank app or by contacting Cover-More.
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 or World Debit Mastercard, take a look at our CBA International and Domestic Travel Insurance instead.
Note: From 7 February 2024, you will need to spend $500 in a single transaction on your prepaid travel costs by charging the cost for that trip using your eligible credit card before leaving Australia and activate to receive any cover#. If you activate and/or depart Australia before 7 February 2024, there is no change to the cover for that trip. If you activate and/or depart on or after 7 February 2024, the new Credit Card Insurances Product Disclosure Statement and Information Booklet will apply. This change will not be applicable to World Debit Mastercards.
Activate your included insurance in NetBank, the CommBank app or by contacting Cover-More 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.
Once activated, your Certificate of Insurance will be emailed to you shortly thereafter. If you don’t receive it or you’re unsure if it’s been activated, contact Cover-More on 1300 467 951 or email commbank@covermore.com.au.
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.
Note: From 7 February 2024, the Credit Card Insurances Product Disclosure Statement and Information Booklet is changing. These changes will not applicable to World Debit Mastercards. For a full list of changes, refer to the Summary of Travel Insurance changes. If you activate and/or depart Australia before 7 February 2024, there is no change to the cover for that trip. If you activate and/or depart on or after 7 February 2024, the new Credit Card Insurances Product Disclosure Statement and Information Booklet will apply.
For everything that’s covered including benefit limits, sub-limits, conditions and exclusions, carefully read our Credit Card Insurances Product Disclosure Statement (PDF) or World Debit Mastercard insurances Product Disclosure Statement and Information Booklet (PDF).
If you have activated international travel insurance included in your CommBank credit card on or before 1 June 2023, please refer to the Credit Card Insurances Product Disclosure Statement – effective 10 August 2022.
If you have activated international travel insurance included in your World Debit MasterCard on or before 9 August 2022, please refer to the World Debit Mastercard insurances Product Disclosure Statement and Information Booklet – effective 29 September 2021.
Remember to check the Travel Alerts page regularly to see if there are any global events that can affect you and your travel insurance policy.
Consider adding activity cover. Refer to our Credit Card Insurances Product Disclosure Statement (PDF) or World Debit Mastercard insurances Product Disclosure Statement and Information Booklet (PDF) for more information.
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.
Many conditions can be automatically included on your activated policy provided you and your condition meet the specified criteria.
Conditions include:
For a full list of conditions and criteria (including pregnancy), check our Credit Card Insurances Product Disclosure Statement (PDF) or World Debit Mastercard insurances Product Disclosure Statement and Information Booklet (PDF).
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.
If you’re 80 or over, you must apply for Upgrades cover. Check our Credit Card Insurances Product Disclosure Statement (PDF) or World Debit Mastercard insurances Product Disclosure Statement and Information Booklet (PDF) for more information.
Make a claim online or call 8am - 5pm Mon - Fri and 9am - 4pm Sat (Sydney/Melbourne time)
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.
View how to make a claim to see what you should consider and which documents and information to have handy before making your claim.
A range of other insurances are also available on eligible credit and debit cards.
Please read the Credit Card Insurances Product Disclosure Statement (PDF) for Low Fee Gold, Low Rate Gold, Gold Awards^, Platinum Awards*, Diamond Awards*, Smart Awards and Ultimate Awards credit cards or the Credit Card Insurances Information Booklet for Low Rate Standard, Low Fee Standard, Awards Standard and Essentials Credit Cards or the World Debit Mastercard insurances Product Disclosure Statement and Information Booklet (PDF) for more information.
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)
Update your contact details, locate your Certificate of Insurance, add or remove travellers and make changes to your travel insurance policy.
^ Gold Awards cards are no longer available for sale from 23 March 2018.
* Platinum Awards & Diamond Awards cards are no longer available for sale from 3 June 2023.
# 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. From 7 February 2024, you will need spend $500 in a single transaction on your prepaid travel costs (e.g. the cost of your return overseas travel ticket, prepaid accommodation, cruise, travel or tour) by charging the cost for that trip on your eligible card before leaving Australia and activate to receive any cover. You will no longer automatically receive any cover, including Base medical cover. This change will not be applicable to World Debit Mastercards.
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).
You need to activate your international travel insurance available with eligible 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. Terms, conditions, restrictions, exclusions (including for pre-existing medical conditions and persons aged 80 years or over), benefit limits, sub-limits and excesses may apply to all insurances. Please read the Credit Card Insurances Product Disclosure Statement (PDF) for Low Fee Gold, Low Rate Gold, Gold Awards^, Platinum Awards, Diamond Awards, Smart Awards and Ultimate Awards credit cards or the Credit Card Insurances Information Booklet for Low Rate Standard, Low Fee Standard, Awards Standard and Essentials Credit Cards or World Debit Mastercard insurances Product Disclosure Statement and Information Booklet (PDF) for more information. Effective 7 February 2024, the Credit Card Insurances Product Disclosure Statement and Information Booklet is changing. The changes are only applicable to eligible credit cards and not applicable to World Debit Mastercards. For a full list of changes, refer to the Summary of Travel Insurance changes or contact Cover-More directly on 1300 467 951, 8am-5pm Mon - Fri and 9am-4pm Sat (Sydney/Melbourne time). If you activate and/or depart Australia before 7 February 2024, there is no change to the cover for that trip. If you activate and/or depart on or after 7 February 2024, the new Credit Card Insurances Product Disclosure Statement and Information Booklet will apply.
If you have activated international travel insurance included in your CommBank credit card on or before 1 June 2023, please refer to the Credit Card Insurances Product Disclosure Statement – effective 10 August 2022.
If you have activated international travel insurance included in your World Debit MasterCard on or before 9 August 2022, please refer to the World Debit Mastercard insurances Product Disclosure Statement and Information Booklet – effective 29 September 2021.
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.
The target market for this product will be found within the product’s Target Market Determination, available here.
For products offered by Cover-more, information about the Target Market can be found in the Target Market Determination (TMD): Credit Card Travel Insurance TMD, World Debit Travel Insurance TMD or Standard Travel Insurance TMD.
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.
