Is it really worth while using the Commbank Credit card free travel insurance? after a quick comparison looks fairly similar to most travel insurance except for slightly lower coverage amounts.
Pros V Cons would be great to have some insight from someone thats actually made a claim through the insurance.
Upgrades! are there any upgrades you can apple to this type of travel insurance (increased coverage)
TIA
Indeed, for most CBA card types there's now a $500 qualifying spend prior to activation and a $500 excess applicable to many benefits, including medical. Definitely worth shopping around for a lower policy excess… unless your travels are limited to the eleven countries with reciprocal healthcare agreements.
Do you mind to list those eleven countries? I have a CommBank CC and was thinking to use their travel insurance. Tia
It's free, so what's the problem?
Just because it's free doesn't mean its any good. as mentioned above high excess and fro what I have read coverage is lower.
Just because it's free doesn't mean its any good.
You know you can get insurance from more than one insurer.
I always get at least one free one as a backup.
Solid advice.. I insure my car with 3 different insurers just in case.
Commbank travel insurance won’t be free if you have to use it and pay whatever the international fee is as opposed to another card with 0% international fee.
@Save 50 Cent: 100% Not free! I booked some flights with my commbank card and fees were $78 for the transaction amount of about $2200 AUD. Shining light was the merchant double charged my card, then it took about a week to get reimbursed and it ended up being an issue with Commbank…so as a good will measure they also refunded the transaction fee. Win win.
@kiwimex: Depends on the card. I have the Low Fee Gold and I have zero international fee.
Literally more than pays for itself after one vacation. Just sucks that it was free before (minimal spend of $10k/year) but now cost like $8/mo
@borgainerz: UPDATE: OMFG: they changed the terms (can't find any emails) and they started charging me international fees, what a surprise today to see a couples hundred dollars of transactions fees. So pissed of; I'll churn asap
should still cover emergency evac on a cruise etc so I think is still pretty good
Yep, when you purchase add-on cruise cover.
I think it was like 16$ add-on for a family of 4, negligible.
We've been using the Commbank travel insurance for years and found it excellent. We've claimed a couple of times and they are easy to deal with. The new changes also include a limit of 90 days travel. We spend 4 to 5 months overseas most years, as anyone found an alternative with long trip cover with another bank?
Is that travel Insurance for Debit Card or Credit Card?
A bit late reply to you, but thought still worth posting;
"Diamond, Smart Awards and Ultimate Awards cardholders receive 12 months cover per journey without having to upgrade."
https://acrobat.adobe.com/id/urn:aaid:sc:AP:ef3b2408-c22e-4e…
Just in case you hadn't noticed, at least on my card, free cover now only applies when you spend a chunk of the travel bookings on your CBA card.