We needed to make a claim as a result of a kidney stone attack in Japan with my partner, we had had a previous attack in August 2017 and I was worried it could be considered as pre existing, but to our surprise it was fully paid. Was very happy
- Travel Insurance
- Verified customer
Worst travel insurance ever!! Do not use
These guys claim you get travel insurance as part of your Credit Card. It's all a big con.. I had heard of insurance companies that find any excuse or clause not to pay you but hadn't experienced it until now. Both claims we had for flight delays and medical were declined for some random fineprint clauses they make up so they don't have to pay you.
Do NOT ever use these guys or assume your credit card insurance will cover you.
over 1 year to get my claim
I think inclusions wise they were good but I would never ever recommend this insurance to anyone. It was easy to set up and activate, inclusions are good but once the initial illness was over and we were back home their customer service left a lot to be desired. Such a long convoluted process to be able to both get my claim assessed and to finally (hopefully) obtain the money we paid over a year ago. We have had repeated requests for documents I had either already submitted online or emailed to them, requests for letters from airlines and our t...ravel agent that neither had ever been asked for, once my phone rang in my hand and before I could answer it it stopped ringing and I then got a "sorry you were unavailable" email. But eventually we got our claim. So you get what you pay for basically, and be prepared to have to deal with repeated requests for information you have already supplied 3-4 times.
Cover for Electronics lost while snowboarding
I have managed to lose backpack with my electronics gear in (phone, camera... etc) while snowboarding. I have made a call while overseas and started a claim. When I got back to Australia, I Have received the email with an online claim, where I had to add description and photos/receipts etc to support claim. Claim was approved within 10 working days period and paid out minus the excess. Everything went smooth and easy and the online claim, as well as being updated via the phone. Thanks CBA/Allianz.
The initial contact with CBA travel insurance, was scant on detail of what they required for the cla
The policy was good value and was comprehensive. It was easily set up and verification documentation was prompt. The initial issue was the generic information sheet which was difficult to relate to my claim.
Once some specific requirements were advised the process improved to a suitable outcome.
- Travel Insurance
- Verified customer
After my wife had an accident that required urgent surgery, you guys wanted to fly us back when she was in no conditions for that. After finally agreeing to pay for the surgery, the hospital requested the payment of an initial fee which you denied. I end up having to pay for the surgery myself, over 10 grand, and only then I was reimbursed when back in Australia. After the accident I was in a period of much distress and although your team kept in touch I was disgusted with your attitude to want to fly us back to Australia and not pay for the surgery on the spot in that critical moment which we needed your support.
- Travel Insurance
- Verified customer
Took 3 months for medical reimbursement
I paid for my trip on Bankwest Platinum Card. Allianz were so sweet over the phone, rang me in Thailand on numerous occasions to find out how I was, each time feeling I was getting interrogated to find a loop hole in my story. I paid for the hospital and doctor's bill $5K. I came back to Australia and they kept asking me for information I had already given them whilst in hospital, then they realised they had set up to claims. All sorted - wrong - after sending the last bit of information I waited a further 3 weeks and rang up to find out wh...at the hold up was, he said he didn't receive my express post information, I was furious as they hadn't touched my claim for 3 weeks! After hanging up they instantly rang back and said they found it and will proceed, then 7 days later they needed more information, I don't understand why they didn't look through the claim and send one email with ALL the paperwork they require. Finally after 3 months I received the money...useless!!!
Don’t bother it’s not real insurance
Surely you would have thought by having a diamond MasterCard that you would get premium travel insurance...wrong, our flight was delayed by 10hrs which allso meant we lost our pre booked first nights accommodation. Made a claim and guess what.. wasn’t insured because they don’t cover delayed flights due to mechanical issues. Hahaha what a joke!!
- Travel Insurance
- Verified customer
Looks good on the surface but watch out for the detail
The CBA offers international travel insurance IF you pay for all your travel with your CBA gold (or higher) credit card. That seems nice. However, please note, unless you go into your netbank and ACTIVATE the cover - there is a push button on the insurance page -, or call, or call into a branch to activate it, you only get the absolute MINIMUM cover. If you do either of the latter, take a note and/or send a confirmatory email.
Fortunately, we picked this nuance up, what I will call "sleight of hand" a few months later when browsing the page an...
Exceptional Free Product
I must make a delayed review regarding CBA/Allianze Travel Insurance to help balance the register of negative comments. We travelled to Italy last year - April/May. While away I had a health episode requiring medical attention forcing cancellation of prebooked activities and trips. Upon contacting the insurers to make a claim, I was amazed at the helpful supportive and timely manner in which my needs were met. All moneys were refunded without hesitation. I absolutely recommend this product!
DEBACLE - THIS IS A RORT! SHAME ON COMM BANK
We made the mistake of utilising this insurance . We activated it before travelling with our 2 young children overseas and due to a delayed flight missed the connecting flights back to Australia. After calling the insurance helpline that night - we found that it was manned by one person who had no idea about the travel insurance policies and could offer no assistance whatsoever unless it was a medical emergency. We then came home and put in a claim for the new tickets home - which were same price as the original tickets. After months of paper...work shuffling which we had to chase up from day one..I was informed by some teenage rep from allianz that our claim whilst "legitimate'our claim for those tickets would not be paid as the letter from the airline re the delay which we obtained was not clear enough about the cause for the delay. Apparently...it would have been fine if we were hi jacked (unlikely) We are now left to ask the Comm bank for assistance on the failed product we took out through them. Their answer -take it up with your insurer Allianze/comm bank. Allianz answer - take it up with the airline... the airlines answer - we provided proof so take it up with the insurer. What a joke. After years of handing money over for a mortgage and business account and insurance the one time we ask for assistance from this bank and they stonewall you. They don't even give a toss when you say you will move your accounts elsewhere. The customer support was patronising and abysmal. This bank is a joke and this insurance policy is an expensive joke. Do not rely on it and certainly don't trust that they will assist if you do and actually have to make a claim. They will pass the buck like nobody business...they cannot claim Can as their attitude.Its an inside joke to anyone who has dealt with the true nature of this institution.
CBA Travel Insurance - Stay away
They are the only bank that require you to go out of your way to activate your insurance. Activation is not automatically done by purchasing airline tickets; so many people are caught out. It’s basically not worth the paper it’s written on.
Excellent Travel Insurance CBA/Allianze
Had to cancel our holiday booking and flights at short notice due to a medical emergency and once we had provided the information requiested by the insurer CBA/Allianze Travel Insurance, they managed the claim in a very professional and timely manner.
Very satisfied customer.
I wish i read these reviews before I used this "free" insurance policy
All I can say is that the reviews which rank this service as "terrible" are absolutely true. I wish I had read them before we went ahead. Our holiday in the pacific was cut short when Cyclone Donna paid us a visit in Vanuatu. Unfortunately for us, that wasn't the worst of it. The worst part was trying to obtain a refund because apparently the warning's issued by the Australian government, the hotel and the entire internet wasn't enough evidence to prove that the cyclone took place and that we were affected by it. Our holiday was in May 2017 - ...four months on it still hasn't been finalized. There is no logic behind the processes followed and you are unlikely to speak with anyone who actually wants to help you. While the policy was free, the hours spent trying to get reimbursement I couldn't put a price on.
Not free at all
Definitely not good value have used a number of times, but when you try to claim good luck. Have been dealing with CBA for decades but seriously thinking of moving, did not even have the courtesy to answer an email
I had a great experience with them
I took out travel insurance from my CBA gold credit card (complimentary) for our trip to New Zealand.
Our little one fell sick and couldn't fly, so the trip waz cancelled.
I made a claim online and submitted all required documentation. The process took about half an hour.
I then Waited about 8-9 business days and was contacted to provide some supporting documentation.
I then got a call that claim was approved and 3 days later Money was paid.
I read reviews on this site and got a bit scared from what I read thinking that they will t...ry to get out of paying but it seems the claim was straight forward. The benefits that is rare these days is that all phone contact was made by Aussies andyo. E hones every time by the same person which was nice. I guess most people leave a review when they are upset but don't when they are happy.
Don't bother the free insurance. Extremely difficult to make any claim
Before you make a claim alliance they think you are making a false claim. One missing proof of evident is deem rejected and some proof can never be obtained. It just a scam
We were misled
After lodging a claim for the return of our two bags, delayed in transit, eventually after 10 days one bag arrived, but after 3 weeks the second bag was declared lost. Qantas refused to accept responsibility as they were not the last carrier. Easyjet refused to accept responsibility as the bag never arrived at their terminal, Contact was made to our insurance company (Commonwealth Bandk Platinum Credit Card) they advised us to contact them after receiving word from the Airlines re claims. We did this and included all relevant information. This ...process was quite involved. Finally we received word that our claim for delayed baggage would be honoured, but our claim for the lost bag would not be honoured due to the fine print on the policy that states that they will not pay if we are entitled to compensation from the airline. As we did not get any compensation from the airline, we have been left with nothing! A return phone call delivered this information. We expected that we would be given the details in writing - at least!
C.B.A. ALLIANZ TRAVEL INSURANCE...... STAY AWAY FROM THIS COMPANY
After paying extra annual fees for a GOLD AMEX and Gold MasterCard credit cards, because a Commonwealth Bank Branch advised us that we could get "FREE TRAVEL INSURANCE" if we had the "Gold Cards", these Gold Cards of course have an increase of around $80.00 annual fee verses credit cards that do not have the Travel Insurance and extra Qantas Points as an incentive. However after reading the Allianz travel insurance policy contract, it basically states in writing "Allianz will NOT PAY FOR most items which are most commonly claimed on travel insu...rance claims" and if they do then the excess is incredibly expensive! My advise to anyone depending on this Travel Policy is READ THE CONTRACT CLEARLY, BEFORE YOU TRAVEL I have read it and fortunately before travel started I got a different policy from another Insurance provider / company. I will soon cancel the two Com Bank Gold Credit Cards. As the increased annual credit card fee for the extra Qantas points does not equate to a good deal either as 4 Com Bank credit card points = 1 QFF point, it's a joke! My advise is save the credit card fee money and pay for your fare outright as it will be cheaper in the long run! Commowealth Bank and Allianz should be ashamed of themselves for theiving from there long term Bank Customers for trying to CON CUSTOMERS.... absolutely terrible!
Took out CBA Diamonds Award credit card insurance and was recently declined cover for re-arranged flights to Asia. They are like forensic lawyers trying to 'catch you out' when in fact they are unwilling to follow a logical, common sense approach to a claim. And this is with all the supporting documentation sent to them. I will not be taking their refusal of cover lying down. I am taking them to the Financial Ombudsman Service. The lady I spoke to on the phone was objectionable and rude. She refused to discuss the matter with me, only "advise m...e my claim was denied". I said, "well can we discuss it?" Answer - no. Her response was you can make a formal complaint and get it reviewed then. I said, "after you have declined it without wishing to discuss it with me?". Yes she said. I don't hold much hope out reading the reviews here.
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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