4 questions from our users
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?
I am a platinum Visa card holder and would like to know if I hire a car in Adelaide
Am I covered for the damage excess if required on the car ? This is for the complimentary insurance for my travel from Canberra to Adelaide return by air and car hire in Adelaide. Thanks Anja
No, you are not covered. CBA offers International travel insurance, not domestic. Even you plan to travel oversea with CBA free travel insurance, I suggest to read the PDS very carefully. Free insurance doesn't mean they will pay you your expenses free. If you are not a lawyer, I would recommend to get a proper travel insurance with good reviews.
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.
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