Close your CBA account and go elsewhere
A Royal Commission has not deterred this company from selling dud policies. Travel Insurance taken out 5 months before pandemic was useless and not worth a cent. Claim denied so now out of pocket thousands. Only way to talk to this bank is to leave and go elsewhere. Been with them for life but when you lose so much money in one hit due to dud insurance agreements, go elsewhere. Policy taken out in good faith well before pandemic means nothing.
I'm impressed by how smooth the handling of my claim was!
I lost my $2000 phone whilst travelling, and when I came back I made a claim. Although the police report was in another language, and the ink was very light among other details that insurances might argue about, still my claim was approved without any questions or arguments in the predefined timeframe, despite being in the middle of the coronavirus crises. I think I'm going to stick with them for good.
Government travel ban, worldwide pandemic, doctors reccomendation for safety of pregnant wife= NO CLAIM
My wife is pregnant. Australia has travel restrictions. The world is literally on lockdown due to this virus. Our obstetrician provided us a letter stating my wife is unable to fly. Commbank has requested that they are unable to provide insurance cover unless our doctor admits my wife into hospital and discharges her We are now paying to visit the Obstetrician to have an additional form completed on our behalf, obviously spending money is the only way to recoup your money. As mentioned in other reviews here, it seems like the pandemic, governme...nt travel bans, the safety of my unborn child and pregnant wife are not valid enough reasons to process our claim. We needed a holiday break, not more anxiety for a trip we paid for and not had the opportunity to enjoy. Shame on you CBA
Pointless, not real insurance
Just finished going through the process of attempting to claim for items stolen from a hire car. Basically so many wriggle words in the PDS that almost nothing was covered, got a $5 approved reimbursement.. pathetic.
Another bank deception
Been a member of the Com bank for 40 years, and after they recommended their credit card travel insurance,then to find out afterwards that it doesn’t cover the Coronavirus.I felt that the bank has continued on there misleading ways.BUYER BEWARE.Considering I activated the policy six months ago,before paying $27,000 for our holiday.
Thanks for nothing
After choosing this card insurance, thinking that it was a reward for being good customers for decades I have just found out like many others that it is useless now with the corona virus problem. If I read the small print correctly, you go OS get sick and they can relate this to the virus you are wiped. If you hear of problems in the media and go you are wiped. This also applies if the Government gives a warning and you go. Also we paid nearly a $1000 extra to cover any pre-existing conditions, I wonder if they will refund us this? I thought all policies were supposed to be transparent and easily understood by the average person.
Never again will I use this service. PS I think we are covered for werewolf bite but will check the fine print.
Absolutely useless - don’t use it
Activated the policy prior to Corvid-19 outbreak. Policy does not cover medical claims or disruption to travel (if I go and am affected by the virus) or cancellation (if I don’t) ... I also note that the cover doesn’t include loss of ‘valuables’ ... which makes me wonder what they actually do cover ... I’m still going on holidays, will manage the risks (having done the research on Japan they’re relatively minor) and will cancel all CBA accounts when I get back (including affiliated banks) and encourage as many others of my friends and family to do the same.
The card and free insurance you should avoid.
I have a Diamond credit card that comes with free travel insurance. CBA promoted the card as a premium card from CBA for the customers. However that is not true. This free insurance is designed to avoid the payments. The first time ever I had an medical issue and had to cancel the trip two months before travel, and made a claim for Airline tickets . CBA rejected the claim for existing medical conditions even I am not claiming for medical expense. There are many unfairs and non-sense T&Cs in the PDS of the free insurance compare to CBA paid ins...urance. I also lost a chance to get credit from Airline because of slow process of the claim I placed. There are many other better credit cards with no or low annual fees that offers free travel insurance on the market. I would have better travel insurance if I didn't have the Diamond card. When I complain about the result, they ask me to send an review requesting email as it states on "Claim decline letter", but no reply for my three emails and my claim status on CBA web site was already "Finalized". I feels like bought a good looking premium car with cheap interior. CBA should stops this kind of Credit card promotions with unfair free insurance. I am going to cancel my personal Diamond Credit card and Business platinum credit card.
Honoured 100% of my claim without debate
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.
Zero zero zero star...Don't use commbank's travel insurance "Covermore by Zurich Australia
I recently went OS on a family holiday and used CommBanks Travel Insurance provider Covermore.
Covermore is a Zurich Australia underwritten company.
We, unfortunately, had items stolen from our checked in Qantas luggage on our return trip. Upon lodging a claim, Covermore handed me a list of hoops to jump through in order to review/deny my claim. I obliged and jumped through the time-consuming hoops.
After a lengthy Covermore delay, I called to find out what was happening with my claim. The following day, it was declined. Covermore clai...med the airline is responsible for items/luggage that has been checked in. The airline, states items such as electronics are not covered by the airline's luggage insurance and Covermore should be supporting the claim.
Absolutely Useless Policy
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!
Google is considered a '3rd party provider' (so no compensation)
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.
Thankful for them..
It was easy to buy the insurance as it was online. I compared two quotes and they're the cheapest - I know two is not much but it is almost half cheaper than the previous travel insurance that I bought that I didn't think much about it.
I was hospitalised overseas and when I called them, they offered to call me back instead so I won't be spending money on mobile phone credits. The hospital that I was on didn't accept insurance so I have to fork out cash but it was the hospital that I chose, so it was on me. But the insurance offered to get me t...
Never again CBA insurance!
Do not choose CBA Travel Insurance, It does not cover you properly, only cover your overseas medical assistance if it is fitt in the policy, but if you bring back any problems from overseas and it is cost you thousands of dollars after you back then they will not cover your expenses.
I will never use CBA Ti. again!
Also, the claim is horrible. It takes about 20 min to get someone to the phone to talk with.
The reviewer stated that an incentive was offered for this review
- 12 reviews
- 9 likes
'Free' but if you have to pay for expensive add-ons it's uncompetitive
I often ride motorcycles in Thailand. I can only get cover from this insurance if I pay extra and even then the cover is limited to small capacity motorcycles. I also rent cars occasionally and again I have to pay extra. So my 'free' cover is actually not free at all.
Plus I had major surgery a few years ago -- some travel insurance allows for this as a covered pre-existing medical condition, no problem, but Covermore wanted so much extra that it was better to buy a decent policy outright from another insurer.
I'm sure this policy works for ...
Questions & Answers
To activate our overseas travel insurance on our Platinum Credit Card do we have to pay for the trip with this card please?
We paid a deposit of $8000 (50% of cost of tour). This was for a 20-day tour of Russia and the Scandinavian countries commencing on 22 July 2020.
We have a Diamond Awards credit card which we use for all our travel insurance.
Because of the Coronavirus we will not be undertaking this trip this year.
Please advise if we are entitled to claim refund of deposit.
Get an answer from our members
|Category||Travel Insurance||Travel Insurance||Travel Insurance||Travel Insurance|
|Other Insurance Types Offered||Car and Home and Contents||Car and Home and Contents||Car and Home and Contents||Car and Home and Contents|
|Maximum Age Covered||100 years old||100 years old||100 years old||99 years old|
|Overseas Emergency Assistance||Unlimited||Unlimited||Unlimited||Unlimited|
|Pregnancy (max weeks)||24 weeks||24 weeks||24 weeks||24 weeks|
|Resumption of Journey||$5,000||$5,000||$5,000||$3,000|
|Hospital Cash Allowance||$75 per 24 hours up to $7,500||$100 per 24 hours up to $10,000||$75 per 24 hours up to $7,500||$50 per day up to $5,000|
|Overseas Emergency Medical & Hospital Expenses||Unlimited||Unlimited||Unlimited||Unlimited|
|Loss of Income||$7,500||$7,500||$7,500 (up to $750 per week for a maximum period of 3 months)||$10,400|
|Permanent Disability||Not Included||Not Included||Not Included||$25,000|
|Luggage & Personal Effects|
|Theft of Cash||$500 (combined with Credit Card and Travel Documents cover)||$500 (combined with Credit Card and Travel Documents cover)||$500 (combined with Credit Card and Travel Documents cover)||$250|
|Delayed Luggage||$500 after 12 hours||$500 after 12 hours||$500 after 12 hours||$750|
|Credit Card Fraud||$500 (combined with Travel Documents and Theft of Cash cover)||$500 (combined with Travel Documents and Theft of Cash cover)||$500 (combined with Travel Documents and Theft of Cash cover)||$10,000|
|Travel Documents / Passport||$500 (combined with Credit Card and Theft of Cash cover)||$500 (combined with Credit Card and Theft of Cash cover)||$500 (combined with Credit Card and Theft of Cash cover)||$10,000|
|Maximum Single Item Limit||$3,000||$5,000||$3,000||$500|
|Luggage & Personal Effects||$10,000||$15,000||$5,000||$10,000|
|Rental Vehicle Excess||$2,250||$2,250||$2,250||$6,000 plus up to an additional $3,500 as an optional extra|
|Motorbike / Moped Coverage||Included up to 50cc, optional between 51cc and 250cc||Included up to 50cc, optional between 51cc and 250cc||Included up to 50cc, optional between 51cc and 250cc||Optional cover for unlimited engine capacities|
|Domestic Pet Care||Not Included||Not Included||Not Included||Not Included|
|Special Activities Packages|
|Golf||Not Included||Not Included||Not Included||Not Included|
|Cruise||Optional Extra||Optional Extra||Optional Extra||Optional Extra|
|Adventure||Optional Extra||Optional Extra||Optional Extra||Optional Extra|
|Snow / Ski||Optional Extra||Optional Extra||Optional Extra||Optional Extra|
|Manual||Download manual||Download manual||Download manual||Download manual||Download manual|
Other Travel Insurance
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