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Commonwealth Bank - Complementary International Travel Insurance for Gold, Platinum & Diamond CC Holders

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Commonwealth Bank - Complementary International Travel Insurance for Gold, Platinum & Diamond CC Holders
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cornucopia on 21/07/2015 - 09:39 commbank.com.au (3648 clicks)
Last edited 21/07/2015 - 11:13 by 2 other users

Commonwealth Bank is now offering the complementary international travel insurance available to holders of their Gold, Platinum and Diamond cards with no purchase conditions attached. You apply for the insurance online (via Netbank) and they issue a numbered cover certificate, however if you have one of the cards and travel WITHOUT applying for the certification you will still have basic cover which includes unlimited medical and hospital. Read the following extract from the site:

"Activate via NetBank
Log on to NetBank to register your travel plans and activate your insurance.
Add optional extras
Extend your cover by purchasing upgrade options such as increased cover for Rental vehicle excess, increased Snow cover or increased Cruise cover.^

Receive your Certificate of Insurance
Your Certificate will be emailed to you with your personalised policy number and cover details.
You can also activate your cover by calling Allianz Global Assistance on 1800 837 177 or +61 7 3377 3988.
If you activate while travelling there will be a 3 day waiting period before you receive the activated level of cover.*
If you don’t activate you’ll receive Base cover which includes personal liability cover and unlimited overseas medical assistance and hospital expenses only.*"

NB: there is no given expiry date, the offer is open ended.

NB2: It appears from the PDS that the cover INCLUDES on-piste skiing/boarding which is a bonus as not all card insurances provide this cover in the base policy. See page 25 of the PDS. Note that all off-piste activities are EXCLUDED from cover.

https://www.commbank.com.au/content/dam/commbank/personal/ap…

Travel Credit Card Insurance Travel Insurance

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Commonwealth Bank
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closed Comments

  • barryquinn on 21/07/2015 - 09:41
    +7

    Complimentary

    barryquinn on 21/07/2015 - 09:41 (Collapsed - Offtopic. Show)
    • cornucopia on 21/07/2015 - 09:43

      Actually both are true. It complements the card and it is free.

      • barryquinn on 21/07/2015 - 09:49
        +1

        You're clutching at straws, and since when does an ozbargainer get negged for correcting spelling?

        • foobar on 21/07/2015 - 09:53
          -4

          It appears that you may in fact be the one doing just that, a compliment is "a polite expression of praise or admiration" whereas a complement is "a thing that contributes extra features to something else in such a way as to improve or emphasise its quality" which would seem entirely appropriate in this instance.

          Having said that though, they're probably mixed up and used incorrectly all the time so there's really nothing to it anyway. Certainly not as bad as they're/there/their, your/you're or my personal favourite alot.

        • cornucopia on 21/07/2015 - 09:54

          What neg? Not by me…

        • barryquinn on 21/07/2015 - 09:56
          +8

          @foobar:
          Rubbish. Look up a dictionary. Complimentary means free. Complementary means "goes with".
          http://www.thinctanc.co.uk/words/with_compliments.html

        • barryquinn on 21/07/2015 - 09:58

          @cornucopia:
          Apologies to you, but I didn't imply this. I assumed it was some ignoramus.

        • foobar on 21/07/2015 - 09:59

          @barryquinn:

          I did look it up which is why I have the definitions in quotation marks. There's no point going any further with it, no victory to be had and nothing more than pointless bickering in both our futures.

        • barryquinn on 21/07/2015 - 10:04

          @foobar:
          I once bought a house, whose advertisement included the phrase "complimentary outdoor setting". When we met, I was upset to find that all of the outdoor furniture had been removed. It doesn't hurt to look up a dictionary every now and then.

        • barryquinn on 21/07/2015 - 11:26

          @cornucopia:
          BTW, I did vote positively. As well, the CBA document, I am pleased to say, has the correct spelling.

        • Tiggrrrrr on 21/07/2015 - 11:33
          +1

          @barryquinn : re spelling - When they are jv?

      • oodian on 21/07/2015 - 10:39

        Their is no need for this bickering; your all fighting over nothing. Ozbargainer's don't care about grammar.

        • skinny on 21/07/2015 - 10:53

          and spellink!

  • SuiCid3 on 21/07/2015 - 09:42
    -3

    Nothing new. This has been the case for years with these cards

    Edit: Actually… it looks like it's an additional full package compared to those bundled with platinum cards.
    Cool.

    • cornucopia on 21/07/2015 - 09:45
      +2

      Not true, there has never been free travel insurance available with a credit card that had NO purchase conditions to qualify for the cover (that I'm aware of anyway!)

      • SuiCid3 on 21/07/2015 - 09:47

        I HIGHLY doubt there are NO purchase conditions involved.

        • SuiCid3 on 21/07/2015 - 09:55
          +11

          And it looks like I may possibly be wrong!

        • DarkAvernus on 21/07/2015 - 10:10
          +1

          @SuiCid3:
          You weren't wrong, commonwealth gold has had travel insurance for a long time although the cover was pretty poor. This may be a better level of cover, but i dont have the time to read into it currently

        • SuiCid3 on 21/07/2015 - 10:27

          @DarkAvernus:
          The BASE cover appears to still be the same, if not slightly better than the old Zurich insurance (this new one is with Allianz).
          The free 'Activated' policy is where the goods are at.

      • tonester on 21/07/2015 - 11:34
        +1

        Not true, there has never been free travel insurance available with a credit card that had NO purchase conditions to qualify for the cover (that I'm aware of anyway!)

        https://www.ozbargain.com.au/node/203684#comment-2916801 :)

    • adam149 on 21/07/2015 - 09:46
      +9

      you needed to spend $1000 and then it was a bit of a lottery with a company called Zurich

      • jv on 21/07/2015 - 09:49
        +12

        a bit of a lottery with a company called Zurich

        Oh, the 75th largest public company in the world… Yeah, a bit risky… I'd stick to the top 74 only…

        • RockyRaccoon on 21/07/2015 - 09:57
          +5

          How do you think they got to being 75th. Doh!!!

      • Make it so on 21/07/2015 - 09:57

        I heard people say this but could find no evidence. But plenty of positive reviews. If I have it in writing that I'm covered, that's good enough for me.

        • adam149 on 21/07/2015 - 10:02

          there was never anything in writing, they would refuse

        • Make it so on 21/07/2015 - 11:03

          @adam149: Not sure what you mean, but I have a booklet from my bank which spells out my entitlements quite clearly. It is also possible to get a certificate on request. It's the same kind of thing I would get from any other insurance provider.

        • pumpkinspice on 21/07/2015 - 11:57

          I'm in the process of lodging a claim with them now (for an event 2 months ago) on the compleimentary CBA travel insurance.
          Fingers crossed it's not an awful experience in the end.

        • maximum on 21/07/2015 - 16:11

          @legiong: my mum had to do one not so long ago -only issue was when she scanned the documents the email rejected by their system as it was too big- but didn't send a rejection back so if she hadn't followed it up it would not of been processed. This added 2 weeks to the claim process. Just something to be aware of.

        • robbyjones on 21/07/2015 - 21:31

          @adam149: Not so. We have been with CBA for years and required a policy number for one of the cruise lines. We contacted CBA and they emailed us a policy. You just had to ask for it.

        • pumpkinspice on 22/07/2015 - 08:30

          @maximum: Thanks! I'll make sure to contact them after I email it all through.

      • Fuzor on 21/07/2015 - 11:36
        +6

        Zurich is terrible. Way too many strings attached. Terms of the cover is absolutely not in your favor. To the point where it's almost useless. I'm glad they've switched to Allianz

  • jv on 21/07/2015 - 09:46
    +1

    with no purchase conditions attached.

    Where does it say that? Don't you need to pay for the travel with your Commonwealth card? Which has always been the case with these cards…

    • adam149 on 21/07/2015 - 09:47
      +1

      no conditions

    • cornucopia on 21/07/2015 - 09:52
      +2

      No purchase required. If you don't believe me AND you have one of these cards, run an application through the site and have them issue a cover certificate. I've already done that for a planned August European trip. I've purchased nothing related with the card and I have the certificate. Originally CBA attached an invitation to my Netbank account stating no purchase was required, but its not a targetted offer (other than to all CBA Gold, Platinum and Diamond card holders).

    • SuiCid3 on 21/07/2015 - 10:21

      From what I've read in the PDS it doesn't mention any purchases required.
      If this is the case, CBA are changing the face of the game.

    • ExtraSalt on 21/07/2015 - 11:49

      correct…sort of.

      It's always been free as long as you purchase your tickets using the card. Unless OP means you can pay cash and still claim free Travel Insurance

    • wog_ta on 21/07/2015 - 13:03

      when i asked cba 3-4 months ago they told me I had to purchase with the card.

      • quop on 21/07/2015 - 13:16

        Yes, that was true 3-4 months ago. This (no purchase requirement) is new as of 1 July 2015.

  • jv on 21/07/2015 - 09:47
    +7

    it also covers your spouse / partner and up to 10 dependent children travelling with you.

    Only 10 ???

    • [Deactivated] on 21/07/2015 - 09:51
      +1

      Damn. Only got that extra one more.

      • sama on 21/07/2015 - 10:10
        +5

        Better pick your favourites, then.

      • skinny on 21/07/2015 - 10:55
        +1

        Get a second partner & card and distribute children between, now you can have another 9 more!

      • ExtraSalt on 21/07/2015 - 11:49
        +3

        there goes the Jones family soccer team

  • SuiCid3 on 21/07/2015 - 09:55
    +1

    This is very interesting…
    T&C mentions nothing about the costs needing to be charged to the CBA card…

  • Mr BoMBAStiG on 21/07/2015 - 09:57
    +1

    Was just about to cancel this card as I have my bonus points; great reason to keep it around. However will still be cancelling before the 1 year free is up!

  • RockyRaccoon on 21/07/2015 - 09:58

    Anyone know if it applies to any additional card holder?

    eg if son has card on you account and goes travelling, while you are at home. Is he covered?

    • xdirex on 21/07/2015 - 10:40

      I would also like to know this. My partner and I share an account and have our own (named) cards.

      • tonester on 21/07/2015 - 17:35

        yes: additional cardholder = cardholder :)

        • gimli on 26/07/2015 - 16:12
          -1

          yes can confirm this. just applied for insurance.

          thanks OP!

  • SuiCid3 on 21/07/2015 - 10:04
    +1

    MY MIND IS BLOWN!

    I cannot see anywhere being mentioned that ANYTHING needs to be purchased on the card.
    This appears to be a straight up FULL TRAVEL INSURANCE POLICY that is being offered FREE, just for having a CBA Gold/Platinum/Diamond card!!

    • SuiCid3 on 21/07/2015 - 11:50

      THIS IS A LIE!

      Refer to my more recent post towards the bottom.

  • [Deactivated] on 21/07/2015 - 10:08
    +2

    If it's as good as it sounds this is great.

    There are heaps of scenarios this will be good.

    • Flights paid via bank to avoid $$$ CC booking fees
    • Award points bookings
    • Personal extension to business paid travel
      And specifically for CBA:
    • Trips where airfare is below $1000
    • tonester on 21/07/2015 - 11:26
      +1

      purchases using discounted gift cards :)

    • maximum on 21/07/2015 - 16:13

      If you win an overseas trip or two like me

  • ShootingStar3388 on 21/07/2015 - 10:14

    Thanks OP, I just logged into Commbank online and it came up with the offer, filled in the details and it was done in 5 mins. Perfect for my overseas trip in April 2016.

  • quop on 21/07/2015 - 10:18

    Some people seem to have trouble believing the details but it's exactly as the OP said: "complementary travel insurance … with no purchase conditions attached". The change was announced to to CBA CC customers a while back (I got a flyer with my bill a few months back), and the new travel insurance arrangements is in effect from 01/07/2015. See earlier comment in an unrelated thread.

    • SuiCid3 on 21/07/2015 - 10:23

      That's because this is unprecedented and the complementary travel insurance normally included in these cards are lacking at best.
      Not everyone thinks the best when a major bank comes and announces something completely different to the market.

    • SuiCid3 on 21/07/2015 - 10:24
      +1

      Might want to read the finer details.

      • ShatGPT on 21/07/2015 - 10:27
        -4

        Already read the finer details, they've gone from having a mediocre product which was widely panned by every serious card review site out there, to one that is now par for the course.

        • SuiCid3 on 21/07/2015 - 10:27

          Obviously you haven't read it then…

        • ShatGPT on 21/07/2015 - 10:31
          +1

          Obviously you know nothing about existing credit card offerings…

    • cornucopia on 21/07/2015 - 10:25
      +2

      The point is there are NO PURCHASE requirements with the card to qualify for the cover. You have the card, you get the cover… there are no precedents that I'm aware of.

      • Pab23q on 21/07/2015 - 11:29
        -1

        And that is what MikeyR is saying. These offers have been around for years. Bankwest Zero Platinum card for example, Zero annual fee, no purchase requirements, free travel insurance and a lot of other benefits too.

        This isn't a Bargain. Should be listed in forums.

        • giles on 21/07/2015 - 22:28

          no purchase requirements

          What are you talking about? Bankwest requires at least $500 to have been spent on pre-paid travel costs, on the eligible card, before leaving Australia, for every traveller covered.

          Bankwest Complimentary Credit Card Insurance PDS (pdf), page 34

        • Pab23q on 22/07/2015 - 08:57
          -1

          @giles: "which includes the cost of their return overseas travel ticket"

          You buy a return ticket to USA, Europe, South america, Heck - even NZ when you add taxes and bags.. you're covered therefore no need to spend any cash. If you want to go to somewhere Mediocre for $200, don't waste $70 on travel insurance.

        • [Deactivated] on 22/07/2015 - 14:41
          +1

          @Pab23q: you rekn it's not worth insuring on a cheap 199 return trip to bali? I think quite the contrary.

        • Charity on 22/07/2015 - 23:22

          BankWest = Commonwealth Bank

        • giles on 23/07/2015 - 23:21
          +2

          @Pab23q:

          I'm not disputing that. I've done it many times using other cards.

          What's special about this offer is you don't even need to buy your return ticket on the card and you're covered. You don't have to pay any of your travel costs using that card.

  • Spets on 21/07/2015 - 10:26

    Thanks op!

  • Clear on 21/07/2015 - 10:30
    +1

    I guess this excludes Platinum debit cards then?

    • delfredo on 21/07/2015 - 10:51

      Looks like it

      • Clear on 21/07/2015 - 10:57

        Disappointing. Was going to be useful for my holidays in not-so-safe countires ;)

  • [Deactivated] on 21/07/2015 - 10:33
    -1

    What's a credit card?

      • [Deactivated] on 21/07/2015 - 10:53
        -2

        Does not compute. I don't use money that does not belong to me.

        • maximum on 21/07/2015 - 16:16
          +3

          I use any money that people are silly enough to give me without any extra charge.

        • kez26 on 21/07/2015 - 19:49
          +3

          I don't use money that doesn't belong to me either, I just pay for all my purchases in a lump sum at the end of each month and get hundreds of dollars worth of rewards points for spending the money I was going to spend anyway.

  • Peck on 21/07/2015 - 10:41
    +3

    Great if you are 100% fit and healthy. However my minor preexisting conditions meant that I had to do pages of Q & A's and then ended up with an error message. I was trying to be 100% honest. I will stick with my CC insurance.

    • lddv04 on 21/07/2015 - 15:39

      I had the same issue. I tried on 2 different computers but got the same error message on both. I clicked the link to their contacts page and left my details. I'm not holding my breath though.

  • PaperplaneXXX on 21/07/2015 - 10:43

    thnaks OP! didn't know about that! cool

  • jaybo on 21/07/2015 - 10:50
    +1

    can confirm: logged into netbank this morning, got free travel insurance.

    can also confirm: i paid $220 for a TID policy 2 weeks ago. shit.

    • delfredo on 21/07/2015 - 11:00

      I think TID policy is more comprehensive?

      • jaybo on 21/07/2015 - 11:08

        yeah has some better things on it, more rental car excess ($3000 vs $2250) and a few higher values on some other stuff too i think, i didn't go through it with a fine tooth comb. either way quite nice to have 'free' insurance, especially for shorter trips.

        • PaperplaneXXX on 21/07/2015 - 11:27
          +1

          maybe you can cancel TID! cooling off period , etc. Just call them. 220 for insurance is a lot.

        • jaybo on 23/07/2015 - 16:43
          +1

          @Furan: 2 people for 3 weeks in usa, canada & mexico, seemed fairly reasonable at the time :)

    • lostboi on 21/07/2015 - 11:05

      did you get your email certificate instantly?

  • xdirex on 21/07/2015 - 10:51

    Are 'risky' activities covered, for example snowboarding in northern-hemmisphere ski resorts?

    • SuiCid3 on 21/07/2015 - 11:10

      There is an option to add Snow cover, though I haven't read that part to see what was included.

  • together on 21/07/2015 - 10:53
    +1

    OP please correct the Post, According to the PDF, Transit Accident Insurance and Interstate Flight Inconvenience Insurance DO have purchase conditions attached. May be others , I did not read the whole document.
    https://www.commbank.com.au/content/dam/commbank/personal/ap…

    • SuiCid3 on 21/07/2015 - 11:14

      Only International Flights don't have purchase conditions, everything else does.

    • cornucopia on 21/07/2015 - 11:35

      The original post says:

      Commonwealth Bank is now offering the complementary international travel insurance available to holders of their Gold, Platinum and Diamond cards with no purchase conditions attached.

      'international', so now correction is required .. :-) .. !!

  • noskich on 21/07/2015 - 10:54

    Pretty good, too bad will have to cancel next year. Hope other banks will catch up with this, got a Westpac Black on which I pay no fees ever as staff.

    • PlagueistheCheap on 21/07/2015 - 11:07
      +2

      That is until westpac outsource your job.

      • noskich on 21/07/2015 - 15:09

        Wont happen, Im in compliance. :p
        And either way, staff benefits are for life, even if you stop working there…

  • fishybone on 21/07/2015 - 10:55

    The PDS defines a cardholder as someone who has been issued an eligible card by CBA (amongst other residency requirements). Would you guys interpret this to include supplementary cardholders regardless of whether or not they're travelling with the primary cardholder? As far as I am aware, all other credit card insurance providers only insure the primary cardholder and their travelling companions.

    • tonester on 22/07/2015 - 11:27

      The PDS defines a cardholder as someone who has been issued an eligible card by CBA (amongst other residency requirements). Would you guys interpret this to include supplementary cardholders regardless of whether or not they're travelling with the primary cardholder?

      yes

      As far as I am aware, all other credit card insurance providers only insure the primary cardholder and their travelling companions.

      false :)

  • skinny on 21/07/2015 - 10:56
    +2

    I think in about a month once they have had enough subscribers, they will send the new t & c that could be the real one…

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