Commonwealth Bank Travel Insurance - Credit / Debit Card Insurances

While others have criticised this insurance, I only have high praise. I travel frequently and always read the PDS carefully whenever I purchase insurance. This time I took the free travel insurance as it offered everything we needed. When my father sadly died requiring a sudden return from our trip the call centre staff were sympathetic and helpful. Yes you have to book and pay your own way home, but I expected that, and yes the claim form is a little arduous to complete, but they did not dispute any of my expenses and paid promptly once the death certificate was provided. If you read the PDS and it has what you need then I highly recommend this travel insurance.

Phone was stolen with cash inside the wallet, whilst the phone on table with arm touching it. Provided evidence of the fact of the withdrawal amount as they requested this. Came back with a response stating that the cash must have been on my physically and denied cash aspect of claim.

The phone they only compensate for purchase price and not the rrp. Makes it difficult when the phone was a one off sale or a gift as they only give the purchase price. Never again!

When I lost my flight ticket due to no fault of my own (the airline, WOW air, shut down overnight with no warning and no compensation for customers) I called the Commbank Insurance people. They told me that Google is considered a 3rd party provider, so they could not refund my ticket. They said this was written on page 46 of their booklet. This seems like a good way of getting out of paying insurance to customers. Nobody reads 46 pages of an insurance policy, let alone 1 page, and Google is probably the go-to provider for 9 out of 10 people, so to call it a 3rd party provider is not appropriate. They are the main provider. This is not reasonable. I'm disappointed with this insurance policy.

I use the complimentary international travel insurance that comes with my credit card every time I travel. I put in for 2 claims this year for a bali trip that was cut short due to the earthquake. I found the process to be easy, great customer service and received full claim with no trouble and a speedy manner. Very impressed and will continue to use each time I travel.