Commonwealth Bank Travel Insurance Questions & Answers

Hi Anja,
No, you are not covered. CBA offers International travel insurance, not domestic. Even you plan to travel oversea with CBA free travel insurance, I suggest to read the PDS very carefully. Free insurance doesn't mean they will pay you your expenses free. If you are not a lawyer, I would recommend to get a proper travel insurance with good reviews.

yes. You need to register your trip online or via the commbank app. You no longer have to purchase the ticket with your card . Hope that helps

thanks

Unfortunately not.

Not at all. You must just register it on the commbank website.

The CBA must have changed their policies. Last it was necessary to pay on a credit card.
Thanks

Yes its been a few years

Absolutely. The key thing to note is that the deemed condition was not pre existing.

Unfortunately not. Its only pre departure. But did you know even if you didnt purchase the ticket with your cc you are still covered? Best to call them if you have further questions as Id hate to misinform you.

Thank you for your reply. I knew that I do not need to pay for tickets by credit card. The reason is that if I add on snow sport when activating now I have to pay extra $170 while I am currently not sure I will have that activity in my trip or not. (Just in case of changing our mind). Anyway I will activate and add on snow sport before my trip for peace in mind. Thanks.

If you are a CommBank customer and have the right level of Visa credit card membership then its free.

Just log onto CommBank travel insurance, apply for it, and its issued free.

However... I have found (unfortunately) the issuing insurance underwriters (Covermore) makes you jump through endless hoops in order the claim.

I think CommBank are trying to do the right thing, its the underwriter that is my concern as my claim has been rejected.

Alternatively, if you have an AMEX credit card, then any travel booked with Amex that is over $1,000 automatically includes travel insurance.

I highly recommend you inquire into each PDS, however these are my well travelled experiences.

You probably should ask them, but most likely only you will be covered if you activate it on NetBank/combank. Also check what is covered, most likely minimal cover

Read their PDS very carefully. Their PDS is very inferior if it's credit card complementary insurance. It's different to their paid insurance.

I seem to remember that I would have had to pay extra if I wanted car rental excess protection. I agree with the previous poster: read their PDS very carefully – and I would also look at insurance options other than this one.

All CBA group (CBA, Bankwest) credit card travel insurance is very inferior. Regardless of international or domestic, they don't cover any small electronic device (mobile phone, tablet, laptop). Avoid their credit card.

No you have to. I phoned up a while ago to ask them this and they said you used a while ago but not anymore

Travelers are warned (not well enough by the banks though) that complimentary CC travel insurance typically only covers items paid for by your CC and consequential to those particular losses. You should still avail yourself of travel insurance for items/losses paid for some other way - cash, EFT, online etc.. Apart from this it appears the CBA has washed its hands of CC TI by outsourcing it to corporate psychopaths. I have a particular use for CC TI in that it saves me 25 euros a day off car rental excess waiver and the automatic 1500 euro bill for a mere car park door dent. Beyond that you'd absolutely be in a lottery to see if they're going to pay 10's of '000's of euros for some loss you incurred that didn't even involve your credit card. They're not in it to go bust. You don't get what you don't pay for. Do your sums and figure it out for yourself. Understand the costs/risks/benefits, or get burnt.

If I were you I would contact the insurer underwriter direct as some providers exclude hire bikes due to the risk.

Secondly you do not need purchase travel on the card to qualify, just register via the cba net banking or app

You I not need to pay for the travel with the card to qualify. Just register online with the bank you are traveling and it will take you to the link to register for the travel insurance

You have to go into NetBank and activate it on there (there’s a section that says something like “tell us your travel plans” where you put in the dates and where you’ll be going. You do have to buy something for your holiday eg flights or accommodation for it to actually activate I believe.