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.
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
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.
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!
- Travel Insurance - Credit / Debit Card Insurances
- Verified customer
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.
Worst free travel insurance..Don't trust them
CBA provides free travel insurance for their credit card holders. Also, they sell travel insurance.
The problem is that their free credit card travel insurance has many loophole to avoid any payment.
All CBA group travel insurance is offered by Covermore.
If you read their PDS, you will find their PDS is very inferior. Their PDS said mobile phone, tablet, laptops and any small electronic devices are NOT personal goods.
Therefore their free travel insurance doesn't cover any small electronic device.
I thin their insurance is only insurance which doesn't cover any mobile phone and tablet in Australia.
But, their paid travel insurance is different. Their PDS said mobile phone is personal goods.
It's strange policy.
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.
are flights covered
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