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.
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.
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!
Questions & Answers
Are we covered if the first leg of our trip is not a flight.? Example: We live in Canberra - If we are booked to cruise overseas out of Sydney and we drive to Sydney to meet the cruise ship is our insurance for the cruise period covered? Friends have told us other policies with other banks state that to be covered the first leg of your trip has to be a flight.
Is it correct that under the CBA Credit Card Insurance with CoverMore, if you booked travel before the advent of Coronavirus (Covid 19), you are NOT covered under the policy issued, should you contract the Virus?
How much do I have to spend on travel to get the free insurance?
If you are a CommBank customer and have the right level of Visa credit card membership then its free.
Just log onto CommBank travel insurance, apply for it, and its issued free.
However... I have found (unfortunately) the issuing insurance underwriters (Covermore) makes you jump through endless hoops in order the claim.
I think CommBank are trying to do the right thing, its the underwriter that is my concern as my claim has been rejected.
Alternatively, if you have an AMEX credit card, then any travel booked with Amex that is over $1,000 automatically includes travel insurance.
I highly recommend you inquire into each PDS, however these are my well travelled experiences.
|Other Insurance Types Offered||Car and Home and Contents|
|Maximum Age Covered||100 years old|
|Overseas Emergency Assistance||Unlimited|
|Pregnancy (max weeks)||24 weeks|
|Resumption of Journey||$5,000|
|Hospital Cash Allowance||$100 per 24 hours up to $10,000|
|Overseas Emergency Medical & Hospital Expenses||Unlimited|
|Loss of Income||$7,500|
|Permanent Disability||Not Included|
|Luggage & Personal Effects|
|Theft of Cash||$500 (combined with Credit Card and Travel Documents cover)|
|Delayed Luggage||$500 after 12 hours|
|Credit Card Fraud||$500 (combined with Travel Documents and Theft of Cash cover)|
|Travel Documents / Passport||$500 (combined with Credit Card and Theft of Cash cover)|
|Maximum Single Item Limit||$5,000|
|Luggage & Personal Effects||$15,000|
|Rental Vehicle Excess||$2,250|
|Motorbike / Moped Coverage||Included up to 50cc, optional between 51cc and 250cc|
|Domestic Pet Care||Not Included|
|Special Activities Packages|
|Snow / Ski||Optional Extra|
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