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Commonwealth Bank Credit Card Complimentary Travel Insurance Now Includes COVID-19 Cover

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Commonwealth Bank Credit Card Complimentary Travel Insurance Now Includes COVID-19 Cover
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undercut on 15/09/2022 - 16:52 commbank.com.au (3324 clicks)
Last edited 29/09/2022 - 11:38 by 1 other user

As of 10 August 2022, our International Travel Insurance included with eligible CommBank cards will include overseas emergency medical expenses cover related to COVID-19.

Note: There is no cover for cancellation claims related to COVID-19.
For more information, including on exactly what’s covered by our COVID-19 travel insurance benefits, refer to the Credit Card Insurances Product Disclosure Statement and Information Booklet and international travel insurance available with our World Debit Mastercard (PDF), or contact Cover-More directly on 1300 467 951, 8am-5pm Mon - Fri and 9am-4pm Sat (Sydney/Melbourne time)

Travel COVID-19 Credit Card Insurance Travel Insurance

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closed Comments

  • foogle on 15/09/2022 - 16:59
    +1

    Which cards are eligible?

    • sachz on 15/09/2022 - 17:09
      -1

      Are CBA VISA debit cards applicable?!

    • b3au on 15/09/2022 - 17:10
      +5

      International travel insurance is included with Low Fee Gold, Low Rate Gold, Gold Awards^, Platinum Awards, Diamond 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.

      https://www.commbank.com.au/travel/travel-insurance/travel-i…

      • sachz on 16/09/2022 - 09:20

        So that's a no.

  • GhostNipple on 15/09/2022 - 17:03
    +3

    So does HSBC, got update this week.

  • Cluster on 15/09/2022 - 17:12
    +27

    "Note: There is no cover for cancellation claims related to COVID-19."

    This is often the most expensive part of catching COVID. Catch COVID a day before heading off overseas and it will ruin your entire holiday.

    • incipient on 15/09/2022 - 17:15
      +5

      This. Also cancellation while you're away. Eg missing flights, trips, events, etc.

      The medical cover is important, but chances are you're going to need the cancellation/inconvenience cover a lot more.

      • J6 on 15/09/2022 - 18:20

        Does any credit.cars cover this?

        • incipient on 15/09/2022 - 18:32

          Not sure, but I'm more saying I'd want to get better cover if I was travelling - at least until you're not going to get locked out of flights etc if you have covid.

    • countmein on 15/09/2022 - 17:55

      Does traditional travel insurance cover this though? Allianz or 1cover…

      • Jayblesz on 16/09/2022 - 00:06
        +1

        SCTI

    • J6 on 15/09/2022 - 18:20

      Does any card cover this?

      • Spizz on 15/09/2022 - 19:02
        +4

        ANZ does.

      • actinium227 on 15/09/2022 - 21:15
        +1

        American express explorer travel insurance does

    • boomramada on 15/09/2022 - 21:33
      +1

      At this rate this won't be a issue, pretty soon you probably can fly with covid.

      • Koulie on 15/09/2022 - 22:00
        +1

        Already heard of people doing this over the last few months…

      • mikeb on 16/09/2022 - 09:11
        +10

        Take your bullshit elsewhere.

        • 1st-Amendment on 16/09/2022 - 15:42
          -7

          Take your bullshit elsewhere.

          Take your bullshit elsewhere.

      • thrifty mum on 16/09/2022 - 09:37
        -1

        Agreed!

      • Eeples on 30/09/2022 - 08:07

        We can already look back in time and see the 1 year plus (2 year plus?) decline of life expectancy in the USA. So says the CDC.

        But they’re are in on it, right?

  • BJReplay on 15/09/2022 - 17:22
    +10

    I rate this insurance (the general part, not necessarily the COVID part) - I had a bunch of claims on a recent trip (lost luggage, delays, tour operator insolvency), and this insurance picked up where the insurance I paid for ran out of steam very quickly.

    And in terms of COVID cover, we had COVID cover under paid insurance, and it wasn't worth the paper it was written on.

    If you get COVID while travelling, you've got to make the decision to cancel your plans and stay at your own cost, or keep travelling and spread COVID.

    With rules the way they are, in most places, you can travel; there are no tests required in many destinations, you simply need to be vaccinated.

    Given that, the way it is structured, given you're going to lose airfares, accommodation, etc. if you cancel bookings, you're going to travel. It sucks, but that's the way it is. Insurance won't cover you, and your insurer won't help you - even when you call them - so you decide to suck it up, get on that plane, and go to your next destination.

  • mady123 on 15/09/2022 - 17:45
    +2

    Do we have to spend /buy anything using eligible commbank card to activate the insurance or it will just activate automatically?

    • shivaussie on 15/09/2022 - 17:47
      +1

      I have the same question..

    • undercut on 15/09/2022 - 18:03
      +4

      No spend requirement. Just need to activate your travel insurance policy prior to your trip
      https://www.commbank.com.au/travel/travel-insurance/travel-i…

      • belbo on 19/09/2022 - 18:28

        I've used this multiple times and I recommend activating as soon as you book. We have an upcoming overseas trip. One of the domestic airlines in our destination country went bankrupt. I activated well after booking, only when I saw the news they were in trouble and had suspended flights - but before they filed for bankruptcy. Booking was on the same ticket as our international flights with Qantas (something I always do now unless there are very significant cost savings for not doing so). Didn't need the cover in the end. Qantas cancelled the flight and said they would re-book us within 72 hours. I decided not to hang around and called Qantas straight away. A competitor airline had put on a flight at the same time so I changed our booking. Qantas didn't even have the new flight on their internal system yet - even though I could see it on their web booking page - but it started showing while we were talking.

    • Freeza on 15/09/2022 - 18:04

      The insurance will activate when you register your upcoming trip on the Comm Bank website. (https://www.my.commbank.com.au/netbank/Fss/STP/TravelOversea…)

    • ca6leguy on 15/09/2022 - 19:59

      No

    • bamzero on 16/09/2022 - 10:06

      As already stated, no need to purchase tickets with this card, just activate the insurance.

      Back at the start of COVID, they paid out on a cancelled flight I purchased with another card (it was Virgin, so didn't claim because of COVID cancellation but because they went into administration)

  • 87percent on 15/09/2022 - 17:46

    Anyone recommend a good travel card? Have a 28 degrees, but anything else?

    • undercut on 15/09/2022 - 18:09
      +3

      ING Orange Everyday debit card. No international transaction fees. Fee-free cash withdrawal from overseas ATMs. They'll also refund the ATM fee that overseas banks charge when you use their ATMs.

      No monthly fees, but there are a couple of hoops to jump through each month to get the above benefits - make 5 transactions using your card and deposit $1k into the account. This $1k can be transferred in and straight out though, no need to keep it in the account

    • YadaYadaYada on 15/09/2022 - 18:17
      +2

      https://www.ozbargain.com.au/wiki/cards_with_no_overseas_tra…

      I suggest you get a debit card with no international transaction fees to pair with the 28 degrees one, for free ATM withdrawals.

    • branners on 16/09/2022 - 07:13

      I use the Wise debit card and find it to be very good.
      Good exchange rates (much better than the banks) and can be used to make CC purchases, either in the currency local to where you are or in AUD.
      I also use it for CC payments in other currencies (like US and UK subscriptions) and it has the capability to receive payments in foreign currencies, without having to use Swift or IBAN numbers.

    • 2cheap2frugal on 16/09/2022 - 08:23
      +1

      The Maquarie daily transaction 'platinum' debit card was great for me when in Canada, no ATM withdrawal fees (except from the Canadian banks ~$4), no currency conversion rates or charges, it was literally just put AUD into the account and it sorts out the rest at no cost. Also a great interest rate at 2.75% now.

    • BJReplay on 16/09/2022 - 12:12

      CBA Ultimate if you meet the minimum spend ($2,500 per month) to avoid the monthly fee ($35 per month) - no transaction / conversion fees, and wholesale rate.

    • BJReplay on 16/09/2022 - 12:16
      +1

      Also UBank (was 86 400) debit card.

    • md333 on 16/09/2022 - 12:20
      +1

      I like the Bankwest Zero Platinum. No annual fees, no fees on currency conversion/international purchases. Also has free travel insurance, so very handy when wanting to combine no fees for airfares in foreign currency, with free travel insurance that requires using the CC to buy the airfare. I used to have 28 degrees but cancelled it when they started charging for cash withdrawals.

  • cmyk on 15/09/2022 - 18:04
    +1

    Too slow CBA, many people had already applied for ANZ etc.

  • soph44 on 15/09/2022 - 18:09
    +2

    I’ve made a few claims over the years. The underwriter has changed a few times - I believe it’s now Cover-more. The claims have been settled very quickly with very little back and forth. Go online and register your trip to activate the full cover insurance, my understanding is that there is a still limited insurance if you forget to activate before your trip.
    Very happy with it. Covid cover makes it even better obviously.

  • bargainatoraah on 15/09/2022 - 18:17
    +2

    Covid still a thing?

    • belongsinforums on 15/09/2022 - 18:29
      -1

      No it's like santa or god

    • nobro25 on 16/09/2022 - 04:22
      +2

      Apparently in Chyna it still is.

    • ben5000 on 03/06/2023 - 00:53

      For cowards and low intelligence subhuman Dan Andrews supporters, it'll ALWAYS be a thing.

  • mando7 on 15/09/2022 - 18:49
    +1

    Can you book double complimentary insurance with 2 different cards? I have registered a complimentary insurance with BOM Amplify Signature card. Can I book this as well?

    Are there any advantages and/or disadvantages of doing this?

    Thanks.

    • countmein on 15/09/2022 - 19:38

      Yeah keen to know as i got some options too, i think as long as the insurance companies are different would be fine, im not sure tho

    • rogsamsy on 15/09/2022 - 21:01
      +2

      You can have multiple policies but can only claim on one.

      • BJReplay on 16/09/2022 - 12:15
        +1

        You can't claim insurance for something where you have cover from some other party - airline or other insurer.

        But, you can claim insurance where that cover runs out.

        Example: Airline pays USD$100 for delayed luggage. Travel Insurance A pays AUD$250 for delayed luggage with certain conditions and exclusions. Travel Insurance B pays AUD$500 for delayed luggage but with different conditions and exclusions. Total cost are $1,000. You can claim on all three, as long as you don't claim the same items on all three.

  • The Wololo Wombat on 15/09/2022 - 19:25
    +13

    When the insurances companies start offering cover, this is when you know COVID is not longer a serious issue!

      • Eeples on 30/09/2022 - 08:11

        Yeah old/obese/existing conditions ppl don’t deserve to be safe or live.

        Can you hear yourself?

        • 1st-Amendment on 30/09/2022 - 08:34
          -1

          Yeah old/obese/existing conditions ppl don’t deserve to be safe or live.

          Strawman

          Can you hear yourself?

          Yes, can you?

          • Eeples on 03/10/2022 - 17:46

            @1st-Amendment: Calling it a ‘nothing burger’ denies the millions of ppl who have died.

            It is disrespecting their memory and the sorrow of their families.

            • 1st-Amendment on 04/10/2022 - 09:03

              @Eeples:

              Calling it a ‘nothing burger’ denies the millions of ppl who have died.

              Cool story. Over a million people die each week what has changed? Why is it ok to treat them differently?

            • ben5000 on 03/06/2023 - 00:51

              @Eeples: Millions? Yet no one seems to have first hand knowledge of a single person who was even hospitalised. It's all repeated second hand accounts. Fabricated news stories, exaggerated garbage. Stop talking nonsense.

  • rith on 15/09/2022 - 21:46
    +2

    This post made me check if Bankwest was the same and yes, it seems that since August 24th, the Platinum card has (limited) COVID cover.

    • Assclown on 16/09/2022 - 02:53

      I'll have to check out this also

  • cornucopia on 16/09/2022 - 06:58

    No COVID cover on cruises with this insurance .. it's in the fine print .. 🙄 .. there's something fundamentally wrong with insurance when the insurer can exclude areas of risk IMHO .. surely this is what insurance is for .. 😱 .. ??!!

    https://www.commbank.com.au/content/dam/commbank-assets/impo…

    • Hangryuman on 16/09/2022 - 17:05

      'there's something fundamentally wrong with insurance when the insurer can exclude areas of risk IMHO .. surely this is what insurance is for .. 😱 .. ??!!'

      that's beautiful - I was enjoying a belly chuckle at your irony - until ? I wondered … if you were serious ?

      if so, an ex-insurance actuary (risk calculator) once told me that insurance will happily cover you for anything unless it was actually likely to happen to you, in which case it will be carefully excluded in the fine print.

  • laurie55 on 16/09/2022 - 08:14

    nab cards with travel insurance include cruises

  • Mark1159 on 16/09/2022 - 11:00

    Read the print - not even fine.
    No cover for any pre existing

  • Mokr on 16/09/2022 - 11:09

    This close to cancelling com bank - 110 annual fee worth it for free insurance

  • rne88 on 16/09/2022 - 12:02

    Anyone having any trouble signing up to this? Once I’ve completed the details in NetBank, the next step to finalise it on the Covermore side of things is not working. Getting an error.

  • Marty156 on 16/09/2022 - 20:37

    Would this cover the mandatory minimum travel insurance required by some countries for ALL medical & hospital, repatriation including medical evacuation?
    If so, how could this be proven?
    Assuming one could obtain a letter from the credid card / insurance company?

  • mickminh on 17/09/2022 - 11:43

    If I pay for my overseas trip by PayPal, which draws money out of my CBA credit card, then I assume that I am entitled to normal travel insurance covers associated with the latter. Is this correct?

    • bamzero on 17/09/2022 - 12:11

      Yes, as you don't even need to purchase with CBA card to activate insurance.

      • mickminh on 17/09/2022 - 13:02

        Thanks Bamzero.
        Just to clarify for certainty:
        With my "Diamonds Awards" CBA credit card (which includes travel insurance), I can activate travel insurance for me and my partner - no matter how I pay for the trip?

  • theblake on 19/09/2022 - 12:02

    Big thumbs up for this cover. IMO, it is better than other paid for cover, once i compared it.

    Recently had a claim for delayed baggage expenses which totalled around $800 that Covermore paid up the $500 maximum very quickly without even asking/checking if the Airlines have reimbursed me. After 2 months the airline yet to even respond to my expenses claim.

    On going through the process to get ready to claim for lost baggage, I realised that the "per item" limit on this Free insurance is $5000 for lost stuff. This is much higher than any other credit card cover as welll us paid for travel insurance, even with covermore. Most polices limit per item to around $1500. As it turns out, i got all my stuff back after 2 months, but this $5000 limit is very important to me, replacement cost on my golf clubs was in fact more than $5k.

    footnote: i have the higher level of the credit card complimemtary insurance for the premium card. big difference between basic cover.

  • cocomelon on 15/01/2023 - 12:32

    just helped my parents to save, due to their age the travel insurance would cost them high $500, thanks Op

  • coolsteps on 03/05/2023 - 19:19

    just holding a World Debit Mastercard you are covered if you register trip? how does one get a World Debit Mastercard or is it only by invite?

  • HeuroMeuro on 26/02/2024 - 12:08

    I know this is an old deal, but for those who still have the card open - have you been recently charged with an $8.00 monthly fee? I have been charged this month.

    • bamzero on 27/02/2024 - 14:34

      Which card? They're all different.

      May have made changes, I just noticed the Ultimate Awards now needs $4000 spend to avoid the monthly fee. Haven't got that card but pretty sure it was $2500 before.

      Should have gotten notification of any changes though.

      CBA fast losing value for me. First took away the rewards program (or added extra requirements), then changed the travel insurance requirements.
      If they increase my annual fee that'll probably be it for them

      • HeuroMeuro on 28/02/2024 - 10:26

        Didn't realise this post didn't specify the card.

        I have the Low Fee Mastercard Gold which was a deal a while back. Just checked again and it has an annual fee that was covered for the initial year. I have to spend $2k per statement to waive the monthly fee.

        But other benefits that seem to have been culled are: "Pay no international transaction fees for purchases you make overseas or online". Now they charge 3.5%.

        Talked to them online where they stated on the 25th of July 23 they underwent a simplification on their products, and that monthly charges were updated on the 7th Feb 2024 and communications have been sent out (I received nothing).

        I'll probably hold this card till end of year as its still cheaper than buying travel insurance with simple activation.

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