Cba Platinum Card Travel Insurance Pds
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The information provided is factual at the time of writing and general in nature. We have not considered your personal circumstances. Eligibility requirements and terms and conditions for cover are subject to change from time to time. Please refer to your credit card provider and the latest policy wording prior to your travels.
COVID-19 cover under the Overseas Emergency Medical and Hospital Expenses benefit is now available on eligible CommBank cards for travellers whose journey commenced on or after 10 August 2022, or who activated their policy on or after 10 August 2022. There is no COVID-19 cover for cruise travel. Terms and conditions apply. Please refer to the PDS.
If your claim is unrelated to coronavirus, it will be assessed as normal in accordance with the terms, conditions and exclusions in your relevant Product Disclosure Statement (Credit Card Insurances Product Disclosure Statement or World Debit Mastercard insurances Product Disclosure Statement and Information Booklet)I
10 All travel products and offers from Flight Centre Travel Group are subject to availability and can only be booked by the general public. The redemption of Awards points for travel at Flight Centre Travel Group is subject to terms and conditions of the CommBank Awards program available at commbank.com.au as well as booking agency online and retail booking terms and conditions. Flight Centre Travel Group (ABN 25 003 377 188) trading as Flight Centre and Travel Associates. ATAS Accreditation No. A10412. Redemption of Awards points using your credit card via Apple Pay is unavailable in-store at Flight Centre stores Australia-wide and for Flight Centre online via the Awards website. Customers must present their Awards credit card to pay with points at Flight Centre.
Credit card companies love to spruik the \"free\" bonuses that come with their cards, especially those cards named after precious metals and jewels: gold, platinum, diamond. Some of these premium cards come with complimentary travel insurance, provided you meet certain criteria.
Credit card travel insurance can be as good, or even better than standalone travel insurance. But you pay for it through the higher annual fee on your card and the high interest rate on your debt. If you can't afford to pay your balance straight away, consider the financial risk. The average credit card holder pays $700 in interest a year if their interest rate is between 15 and 20%.
If you're looking at a premium credit card because of its complimentary travel insurance, make sure that what you're getting is actually the best deal for your circumstances. If it isn't, consider a standalone multi-trip or single trip policy.
Terms, conditions, restrictions, exclusions (including for pre-existing medical conditions and persons aged 80 years or over for international travel insurance included with eligible credit cards or aged 74 years or over for CBA Travel Insurance), limits and excesses may apply to all insurances.
Before activating the international travel insurance included with an eligible credit card, please read the Credit Card Insurances Product Disclosure Statement and Information Booklet for more information.
Terms, conditions, restrictions, exclusions (including for pre-existing medical conditions and persons aged 80 years or over), limits, sub-limits and excesses may apply to all insurances. Please read the Credit Card Insurances Product Disclosure Statement and Information Booklet for more information about insurances available with eligible credit cards.
Limitations, exclusions (including for pre-existing medical conditions and persons aged 80 years or over) and eligibility criteria apply. You need to upgrade your overseas travel insurance in order to have a comprehensive or extended level of cover. Before acting on this information you should consider the appropriateness of the product with regard to your personal circumstances. See the Credit Card Insurances Product Disclosure Statement and Information booklet (PDF) and Financial Services Guide (PDF) for details.
7 If you activate an international travel insurance policy included with an eligible credit card or where a claim event on other insurances occurs prior to 1 October 2018, the insurance is issued and managed by AWP Australia Pty Limited ABN 52 097 227 177 AFSL No. 245631 (trading as Allianz Global Assistance) on behalf of the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL No. 234708 for Commonwealth Bank of Australia.
If you activate an international travel insurance policy included with an eligible credit card or where a claim event on other insurances occurs on or after 1 October 2018, the insurance is provided by Zurich Australian Insurance Limited, ABN 13 000 296 640, AFS Licence Number 232507 through its agent Cover-More Insurance Services Pty Ltd ABN 95 003 114 145, AFSL 241713 (Cover-More) for Commonwealth Bank of Australia.
The information contained in the below Combined Financial Services Guide and Product Disclosure Statement (Combined FSG/PDS) will help you understand if we can provide the best travel insurance options for you and your travel needs.
This is our most comprehensive travel insurance plan, available for both International and Domestic trips. It includes all our best travel insurance benefits and the highest coverage amounts to help you travel with extra peace of mind. It includes limited COVID-19 benefits, plus various options so you can vary your cover. Single Trip or Annual Multi-Trip policies are available on this plan.
This is our best travel insurance plan for travellers looking for a mid-tier policy that contains all the essential benefits you need, plus much more. This quality plan contains limited COVID-19 benefits and allows you to include various options to vary your cover depending on your trip type. It is available for both International and Domestic trips and can be purchased as a Single Trip or Annual Multi-Trip policy.
This is our base-level travel insurance plan for budget-conscious travellers who want cover for the absolute essentials only. It is available for International or Domestic trips and contains limited COVID-19 benefits. It is available on a Single Trip policy only.
This is our travel insurance policy for business travellers and their families. It includes limited COVID-19 benefits. It is available on Annual Multi-Trip policies only. For more information or to purchase this policy, please speak to our travel agent partners or call our team on 1300 72 88 22.
Unless specifically agreed to in your contract, pre-existing medical conditions are not covered by your travel insurance policy. Any claim submitted for illness or an accident as a result of a pre-existing medical condition will not be honoured. Certain medical conditions like asthma, diabetes and gout are automatically covered, but the onus is on you to make sure that it appears on the list provided.
There are several conditions and restrictions that apply to people aged 80 or over when considering credit card insurance through CommBank. These may include no cover for overseas emergency medical expenses or assistance.
Please feel free to read through our travel insurance for diabetics guide and learn more about how you can get the right policy for you. While looking for insurers, please make sure you read the terms and conditions of the policy to learn more and know if it is the right policy for you or not.
I have a gold credit card and are entitled to travel insurance for an overseas trip.Going to Canada and Alaska in June this year: is a 8day cruise included in the insurance Thanks for your prompt replay. Ursula
Yes, the complimentary travel insurance covers cruising. But if you want to include the benefits provided in the Cruise Pack (which is detailed in the PDS I sent to your email), you will need to upgrade your policy, this is in addition, to cover provided in the Base International Travel Insurance and Activated Policy for cruising. Please contact Allianz Australia Insurance to upgrade.
Providing or obtaining an estimated insurance quote through us does not guarantee you can get the insurance. Acceptance by insurance companies is based on things like occupation, health and lifestyle. By providing you with the ability to apply for a credit card or loan, we are not guaranteeing that your application will be approved. Your application for credit products is subject to the Provider's terms and conditions as well as their application and lending criteria.
Your travel insurance policy should list or describe the types of events it covers. Events that are not listed on, or not described in, the policy are typically not covered. If an event covered by your travel policy occurs, your coverage may include needed medical attention, protection for your luggage, and reimbursement of prepaid expenses when your trip is interrupted or cancelled. Because coverage varies across policies, you will need to read your particular policy.
Standard travel insurance policies cover trip cancellation or interruption. Coverage is afforded for cancellation or interruption for events outside of your control and typically need to be stated expressly in the policy. Examples of events that are commonly covered under trip cancellation/trip interruption policies include: the illness, injury, or death of the traveler, a traveling companion, or a non-traveling family member; a terrorism incident; inclement weather; and a natural disaster. Exclusions may apply so you will need to read your particular policy.
CFAR protection is distinct from travel insurance but may be offered in conjunction with, or as an alternative to, a travel insurance policy. Unlike trip cancellation/trip interruption insurance, a CFAR benefit is not designed to only cover unforeseeable events. As the name implies, a CFAR benefit generally applies to cancellation of a trip for any reason, although certain contracts may contain specific exclusions, such as pandemics or COVID-19. Accordingly, you will need to read the specific terms of the CFAR benefit. 153554b96e