bank of melbourne travel insurance

Bank of Melbourne Travel Insurance Review

By David Jones

Last updated on March 3rd, 2022

Read Here for Our Bank of Melbourne Travel Insurance Review:

What Does Bank of Melbourne Travel Insurance Offer?

Having travel insurance means you have fewer things to worry about and have more time to just relax and enjoy your vacation. Bank of Melbourne will give you this peace of mind and something more. They offer travel insurance underwritten by Allianz Australia to provide you with protection against medical emergencies and lost luggage, amongst other things.

What can you get from this policy?

Bank of Melbourne travel insurance provides comprehensive coverage that will make your trip worry-free.

• Emergency medical expenses. If you get involved in an accident, get sick or injured whilst overseas, this policy will cover your medical expenses. This includes your hospital bills and any other medical expenses you incur until you go back home to Australia.
• Hospital cash allowance . This policy provides a cash benefit if you’re hospitalised while travelling overseas. You will receive $50 daily if you’re admitted to a hospital for more than 48 hours.
• Emergency medical assistance. If you are sick or injured overseas, you will be covered for the cost of the ambulance and other emergency medical assistance offered by Allianz Global Assistance.
• Emergency dental expenses. This covers your emergency dental expenses whilst in another country.
• Additional expenses . This covers your accommodation and travel expenses if you or your companion are medically unfit to travel due to an illness or injury. Your repatriation to Australia, as well as travel expenses of a relative who will go to you, stay with you and accompany you home, are also covered.
• Trip cancellations . With this travel insurance policy, you don’t have to worry about cancellation fees and non-refundable deposits when you have to shorten or even cancel your trip due to unforeseen circumstances. This includes death in the family and the loss of a job.
• Permanent disability. You will receive a lump-sum benefit if you sustain an injury during your trip that results in permanent disability.
• Loss of income. This insurance policy covers loss of income if you suffer an injury whilst travelling that leads to disability.
• Lost or stolen documents and credit cards. You’ll be able to make a claim if your travel documents, traveller’s cheques and credit cards are lost or stolen.
• Stolen cash. You’ll be reimbursed for the cash that is stolen from you.
• Lost or stolen luggage. The cost of repairing or replacing your lost or damaged luggage and other personal effects is covered by this policy. It also provides cover when a transport services provider delayed your luggage and personal effects.
• Travel delay expenses. An ongoing benefit is given if your travel is delayed by circumstances beyond your control. This applies only if you have been delayed for at least six consecutive hours.
• Alternative transport expenses. Pre-booking your transport is smart and can save you money. If this is cancelled, delayed or diverted, your travel insurance policy will take care of any additional travel expenses you incur to help you get to a special event on time.
• Personal liability . This travel insurance policy provides cover for your legal liability when you injure someone or damage their property.
• Accidental death. Your beneficiary will receive a lump sum benefit if you die due to an accident while travelling. This cover is also available for any of your dependents travelling with you.

Compare Travel Insurance Policies

Some insurance policies seem great at first glance. But to get the best cover for your upcoming trip, you should never settle for what seems to be the best. You have to invest a little of your time to be sure.

Makes Cents lets you review and compare some of the best insurance providers in Australia. Start shopping for the right travel insurance today.

Our Bank of Melbourne Travel Insurance Review is just one of many. You can also read many more Travel Insurance Reviews at MakesCents .

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Information for Bank of Melbourne Eligible Cardholders regarding COVID-19

Information on this page is correct as of 30 June 2022.

Stay up to date on Travel Information for COVID-19 from the Department of Foreign Affairs and Trade (DFAT)  Smartraveller  website and  World Health Organisation  (WHO) and Department of Home Affairs .

Always consult the smartraveller.gov.au website prior to any travel.   In addition to visas, COVID-19 testing, and proof of vaccination requirements, many countries now have compulsory insurance and medical cover proof conditions.  Check with the nearest embassy, consulate or immigration department of the destination you are entering. If you require additional documentation regarding the complimentary international travel insurance policy due to international entry requirements, please contact us on 1800 091 710.

Are Eligible Cardholders covered for COVID-19 with their complimentary credit card travel insurance?

From 30 June 2022, if during the period of your cover, you (and your spouse/dependents, if they’re eligible for cover) are positively diagnosed as suffering a sickness recognised as an epidemic or pandemic (such as COVID-19), cover may be available under the following sections:

1.1 Overseas Emergency Assistance

• 1.2 Overseas Emergency Medical
• 1.4 Medical Evacuation & Repatriation
• 2.1 Cancellation
• 3.1 Additional Expenses

If your travel companion is positively diagnosed as suffering a sickness recognised as an epidemic or pandemic, such as COVID-19, which impacts your journey, cover may be available to you under the following sections: 

Note, you won’t be covered while travelling against advice or warnings issued by the Australian government and you did not take reasonable care to avoid contracting the sickness, for example by delaying travel to the country listed in a warning.

The above is a summary only, please refer to Bank of Melbourne Credit Card Complimentary Insurance Policy Information Booklet  for eligibility criteria, full terms, conditions, limits and exclusions.

A General Exclusion for epidemic/pandemic applies for all claims relating to any epidemic/pandemic outside of the select benefits in the applicable policy information booklet Bank of Melbourne Credit Card Complimentary Insurance Policy Information Booklet . Please note, terms, conditions, limits and exclusions apply.

To receive a formal outcome, Eligible Bank of Melbourne Cardholders must submit a claim.

Eligible Bank of Melbourne travellers who meet the eligibility criteria should be aware that other General Exclusions have the potential to apply.

What is a General Exclusion?

A General Exclusion is an exclusion which will be applied across all sections of an insurance policy, and applies regardless of when eligibility for cover was gained.  Should a General Exclusion apply, this means that your complimentary credit card travel insurance excludes cover for the event, activities or circumstances (specified in the exclusion) that causes your claim.

To understand what is excluded from the Bank of Melbourne Complimentary Insurance covers, please refer to Part D – Excesses & General Exclusions section and the section specific exclusions of the relevant Bank of Melbourne Policy Information Booklet for which your eligible Bank of Melbourne card is applicable under:   Bank of Melbourne Credit Card Complimentary Insurance Policy Information Booklet.

Other exclusions may apply depending upon the circumstances of an individual claim. General Exclusions include but are not limited to:

• where your claim arises because you did not follow an advice or warning that a reasonable person would have been aware of

                     -     by the Australian government (when a ‘Reconsider your need to travel’ or ‘Do not travel’ alert is in place), which can be found on                     www.smartraveller.gov.au; or

                     -     which was published in a reliable mass media source.

• any interference with your travel plans by any government, government regulation or prohibition or intervention or official authority. For example, if  Smartraveller  has a warning, ‘Do not travel’ or ‘Reconsider your need to travel’ due to the risk of COVID-19 infection for a destination, and a cardholder chooses to ignore the warning and is infected with COVID-19, cover may be excluded.  Or if a government closes its borders to inbound travellers due to COVID-19 and you are unable to enter and follow your planned travel across the closed border, cover may be excluded.

What if a Bank of Melbourne Eligible Cardholder has booked travel and needs to cancel due to contracting COVID-19?

If you are unable to travel as a result of contracting COVID-19, Cancellation cover may be provided to eligible travellers, if you or your travel companion are positively diagnosed as suffering a sickness recognised as an epidemic or pandemic such as COVID-19, and cover is expressly included under the Cancellation section of the relevant Bank of Melbourne Policy Information Booklet for which your eligible Bank of Melbourne card is applicable under:  Bank of Melbourne Credit Card Complimentary Insurance Policy Information Booklet. 

If you are unable to travel as a result of an Epidemic or Pandemic related event which does not include you or your travel companion being positively diagnosed as suffering a sickness recognised as an epidemic or pandemic, for example a border closure, there may be no provision to claim as a general exclusion for epidemic and pandemic applies. A General Exclusion for epidemic/pandemic applies for all claims relating to any epidemic/pandemic outside of the cancellation benefits in the applicable policy information booklet. Please note, terms, conditions, limits and exclusions apply.

You therefore need to consider your own personal circumstances. We are not able to provide you with a cover decision before submitting a claim. To receive a formal outcome, Bank of Melbourne Eligible Cardholders must submit a claim.

You should also contact your travel agent or travel service provider (airline, cruise line or Tour Company, etc) as they may be able to support you in obtaining refunds, credits or travel re-scheduling.

Can Bank of Melbourne Eligible Cardholders make a claim for consideration?

Lodge your claim online, call our claims team.

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Credit Cards with Free Travel Insurance

One of the most popular extras offered on credit cards these days is complimentary travel insurance, which can cover everything from emergency medical expenses to car rental excess to flight delays.

Qantas Premier Platinum Credit Card

Get up to 100,000 bonus Qantas Points. 0% p.a. on balance transfers for 12 months. Discounted annual fee for the first year. Earn uncapped Qantas points. Complimentary lounge access, travel insurance, and more.

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$1 earn rate  

Bonus points

Your points • 30 days is indicative of 1 month • Point caps are reset every statement period, which we have also assumed to be 1 month • There is a fixed monthly spend for 365 day. • Your monthly spend is multiplied by the earn rate for that 12 months. • You’ll be getting the highest earn rate for spending (if the card has tiered earn rates). • Points capping is factored in, if applicable, as is any sign-up bonus. Bear in mind though, terms and conditions always apply to points earning and sign-up bonus points.">

Limited time super-sized Qantas Points

Earn 70k when you spend $3,000 within the first 3 months, plus 30k when you haven’t earned Qantas Points with a credit card in the last 12 months. 0% p.a. on balance transfers for 12 months. Save 20% on flights for you and 8 friends. Complimentary travel insurance.

Up to 100,000 bonus Qantas Points

Earn 70,000 when you spend $3,000 within the first 3 months, plus 30,000 when you haven’t earned Qantas Points with a credit card in the last 12 months. 0% p.a. on balance transfers for 12 months. Discounted annual fee for the first year.

Earn rate per $1

save card more info

ANZ Rewards Black Credit Card

180,000 extra anz reward points + $150 back.

Rare platinum features + flexibility: Get 180,000 extra ANZ Reward Points (redeemable for $720 ANZ Cashback or $800 digital gift card) plus $150 back to your new card when you spend $3,000 on eligible purchases in the first 3 months from approval (T&Cs apply). Redeem points for flights, merch and more. Save on travel with complimentary international travel insurance and rental vehicle excess in Australia.

Enjoy 180,000 extra ANZ Reward Points (redeemable for $720 ANZ Cashback or $800 digital gift card) plus $150 back to your new card when you spend $3,000 on eligible purchases in the first 3 months from approval. T&Cs apply. Complimentary international travel insurance.

American Express Qantas Business Rewards Card

170,000 bonus qantas points.

Spend $6,000 on eligible purchases within 3 months of card approval. Get up to $100 credit (maximum of two credits at a total of $200 each year) when you spend with Dell Technologies. No fee for Employee Cards (up to 99).

Earn 170,000 bonus Qantas Points in the first 3 months, minimum spend applies. Get up to $100 credit (maximum of two credits at a total of $200 each year) when you spend with Dell Technologies. No fee for Employee Cards (up to 99).

Apply by 15 May 24

American Express Velocity Platinum Credit Card

Receive 100,000 bonus velocity points.

Spend $3,000 within the first 3 months. Earn 1.25 Velocity Points per $1 spent on everyday purchases. Complimentary annual domestic flight, lounge passes, 100 Velocity Frequent Flyer Status Credits.

when you apply online, are approved, and spend $3,000 on eligible purchases on your new Card within the first 3 months. Earn 1.25 Velocity Points per $1 spent on everyday purchases. Complimentary annual domestic flight, lounge passes, 100 Velocity Frequent Flyer Status Credits.

• ANZ Platinum Credit Card

$300 back + free travel insurance

Enjoy $300 back when you make $1,500 of eligible purchases within 3 months of approval. Includes travel insurance and rental vehicle excess cover. No annual fee each following year if you meet the minimum annual spend requirement.

Apply by 28 May 24

Qantas American Express Ultimate Credit Card

60,000 bonus qantas points.

Spend $3,000 within the first 3 months. $450 Qantas Travel Credit to use on eligible domestic or international Qantas flights each year. Two complimentary The Centurion® Lounge entries each year plus travel insurance covers. T&Cs apply.

When you spend $3,000 within the first 3 months. $450 Annual Qantas Travel Credit. Two complimentary The Centurion® Lounge entries each year plus travel insurance covers. Add 4 additional cardholders for free.

American Express Platinum Business Card

350,000 membership rewards bonus points.

Min. spend applies. Up to 55 cash flow days. Transfer points to 12 Airline programs including Qantas. Complimentary domestic and international Travel Insurance. Up to 99 Employee Card Members at no cost.

Minimum spend applies. Up to 55 cash flow days. Transfer points to 12 Airline programs including Qantas. Complimentary domestic and international Travel Insurance. Up to 99 Employee Card Members at no cost.

American Express Velocity Business Charge Card

200,000 bonus Velocity Points + Travel Insurance

Spend $5,000 within the first 2 months of your approval date. Receive complimentary international and domestic travel insurance. T&Cs apply. 2 single entry passes to the Virgin Australia lounges per year. No pre-set spending limit.

200,000 bonus Velocity Points + Complimentary 12-month Velocity Frequent Flyer Gold Membership

Qantas american express premium credit card, 20,000 bonus qantas points.

Min. spend applies. Earn 1 Qantas Points for every $1 spent on everyday purchases and 2 Qantas Club lounge passes per year, domestic & overseas Travel Insurance.

Min. spend applies. Earn 1 Qantas Points per $1 spent on everyday purchases. 2 Qantas Club lounge passes per year, domestic & overseas Travel Insurance covers.

American Express Platinum Edge Credit Card

$0 annual card fee first year.

Pay $0 Annual Card Fee in the first year. $200 Travel Credit every year. Earn up to 3 Rewards points per $1 spent. Transfer points to a choice of 11 airline partner programs. Complimentary Travel Insurance and more.

American Express Explorer Credit Card

50,000 bonus membership rewards points.

Min. spend applies. $400 Travel Credit every year. Earn 2 points for every $1 spent on purchases. Up to $500 Smartphone Screen Cover

50,000 Bonus Membership Rewards Points, minimum spend applies. $400 Travel Credit every year. Up to $500 Smartphone Screen Cover. Earn up to 2 points for every $1 spent

Westpac Altitude Black Credit Card

Up to 150,000 bonus Altitude points

Min spend and offer T&Cs apply. Reduced annual fee in the first year. Complimentary insurance covers plus, 2 lounge passes each year with Priority Pass.

Up to 150,000 bonus Altitude points - get 100k points when you spend $6,000 within the first 120 days in year 1 plus 50k points after first eligible purchase in year 2. Complimentary overseas travel insurance. T&Cs apply.

• American Express Platinum Charge Card

150,000 Bonus Membership Rewards Points

Minimum spend applies. New American Express Card Members only. Enjoy $450 Platinum Travel Credit each year. Access to over 1,400 airport lounges.

Receive 150,000 Bonus Membership Rewards Points, minimum spend applies. New American Express Card Members only. Enjoy $450 Platinum Travel Credit each year. Access to over 1,400 airport lounges.

Bankwest Zero Platinum Mastercard

No annual fee for life.

For a limited time, enjoy 0% p.a. on balance transfers for 28 months (a 3% balance transfer fee applies). No foreign transaction fees on online and overseas purchases. Complimentary overseas travel insurance and other platinum benefits. Other fees, T&Cs apply.

Pay no annual fee ever and for a limited time, enjoy 0% p.a. on balance transfers for 28 months (a 3% balance transfer fee applies). No foreign transaction fees on online and overseas purchases. Complimentary overseas travel insurance and other platinum benefits. Other fees, T&Cs apply.

Qantas Premier Everyday Credit Card

Up to 8,000 bonus qantas points.

Big rewards for a tiny annual fee: earn up to 8000 bonus points in the first 4 months plus up to 1 point per $1 on your regular spending (up to $3000 per statement period). Earn 1 bonus point for Qantas products and services. Complimentary overseas travel insurance with rental vehicle excess cover and 0% p.a. on balance transfers for 12 months with 2% BT fee.

Earn 2 bonus Qantas Points per $1 spent on eligible purchases within 4 months of card approval, up to 8,000 bonus Qantas Points. 0% p.a. on balance transfers for 12 months, 2% BT fee applies. Low $99 annual fee.

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What is complimentary credit card insurance?

Credit card travel insurance is an added feature on many premium and rewards credit cards. It offers free travel cover overseas or domestically (or both), which helps you save money when you travel.

Credit card travel insurance covers the cardholder and often additional cardholders, spouses and dependents as well. You'll usually need to pay for your travel on the card to activate the insurance, so it's important to read the PDS to make sure you're covered for your trip.

Let's look at how credit card travel insurance works.

Is credit card insurance really ‘complimentary’?

Technically, yes, the insurance is free. However, these kinds of extras are usually found on credit cards with higher annual fees or higher interest rates.

You might also need to spend a certain amount on your travel for the insurance to activate. For instance, it's typical to need to spend at least $500 on your card on flights, car hire or accommodation.

If you meet all the eligibility criteria, travel insurance is a great perk that can save you money every time you travel.

Should you choose a credit card simply for the insurance offered?

If you're a frequent traveller then complimentary travel insurance can help offset costs on your trips. Since travel insurance is usually found on cards with other travel extras, it could be a good 'package deal' that saves money on insurances, foreign fees, and gives flight discounts or earns rewards points.

It's important to read the terms if you know you're going to be using the complimentary insurance. Make sure you meet the eligibility criteria for age (most insurances don't cover you if you're over 80 years old) and that it covers any family members who travel with you.

Pros and Cons

• You may be able to save money, especially if you are a frequent traveller.
• The cover offered may be similar to standalone cover.
• You can save time comparing standalone cover for each trip you take.
• The policy may cover your family if they are travelling with you (as long as you activate the policy correctly).
• You may be able to enjoy continuing cover as you get older, whereas standalone cover can charge higher premiums for older travellers.
• Your policy may offer cover for a range of international destinations, whereas the cost for standalone cover may vary according to where you travel.
• As credit card travel insurance is considered a premium feature, you may pay higher annual fees and interest.
• Activation of travel insurance varies by card. You may have to spend a certain amount or pay for your entire trip using your card for the insurance to activate.
• Cover varies. Your policy may offer cover overseas only, or within Australia only.
• If you don’t travel that often, you may not get that much value from the insurance offered. You might find you're paying more in annual fees and interest and not getting the returns from perks like insurance.
• Certain exclusions and an excess may apply.
• The cover offered may not be as extensive as standalone travel insurance, in terms of the length on trip covered, the limits offered, or the activities covered.

🗨 Frequently Asked Questions

What should you be aware of when comparing credit card insurance.

Double-check these factors before applying for a card, especially if you're expecting to use the travel insurance for a trip.

• Activation and eligibility: Cover is activated in different ways. Some require a minimum spend on the card, some need a return ticket. Some activate automatically while others need an online request. The PDS will tell you how to make sure you're covered.
• Length of travel: Check how long the standard cover goes for. It could be 2 weeks, 30 days or 6 months. Some need a specific request for longer cover.
• Excess: Whether excess is payable depends on the card and the cover policy. Think about how much you are willing to pay in excess, and whether the policy still offers value if you have to make a claim.
• Terms and conditions: It's tedious, but important that you read the terms and conditions in full. Do this before you rely on the cover – not after you want to make a claim.

Which credit cards offer complimentary credit card insurance?

There's a wide range of credit cards that offer travel insurance, including low-cost cards. It's more common to find it as a perk on premium cards, specifically ones that focus on travel. That includes frequent flyer cards, rewards cards and platinum cards.

How do you make a claim on your credit card insurance?

Credit card travel insurance is backed by an underwriter, not the credit card provider. For instance, Allianz is the underwriter for NAB and Westpac insurance cover.

You'll find details on making a claim in the credit card insurance PDS. It's a good idea to know how to make a claim before you travel, just in case.

How do you choose the right credit card with the right travel insurance?

That's a very big question! Firstly, think about what you need from the card, and how you will use it. If you're looking for travel rewards, look for frequent flyer credit cards. Then compare the different features: travel insurance, lounge access, flight vouchers, flight delay cover and rewards points.

Another factor to consider is currency conversion fees and rates, if you plan to use the card while overseas. Some cards waive conversion fees altogether.

Is credit card travel insurance the same as regular insurance?

We get asked this one a lot. Travel insurance on a credit card is underwritten by the same insurers that you would take out a standalone policy with (for example, Allianz, Zurich or Chubb Insurance). So, there isn't a whole lot of difference.

You'll likely be covered for the same medical, emergency, transport and death cover that a standalone policy would. Just remember that some high-risk activities aren't covered by any insurers, such as skiing. You'll need add-on cover for that.

If you're comparing credit card insurance to standalone insurance, just make sure to consider:

• Who is covered: credit card insurance usually covers you, additional cardholders and family members.
• What is covered: credit card insurance sometimes covers rental vehicle excess, flight delays, lost baggage and trip cancellations as well.
• Limitations and exclusions: credit card insurance can be more inclusive of seniors, with some cards offering optional extras for those over 79. It also rarely comes with extra costs for travelling to certain destinations, unlike standalone insurance.

Always check the PDS to make sure you're fully covered and your insurance is activated before you travel. I know I've repeated that over and over again, but it's really important with insurance cover.

Credit cards with included COVID-19 cover

These banks have released updates to include limited cover for pandemics and epidemics. Click to see the details of cover for each brand:

• American Express
• Latitude 28° Global Platinum Mastercard (limited time offer)

Bendigo Bank

Bank of melbourne, qantas money.

Until early this year, no credit card travel insurance covered events caused by COVID-19, meaning you had to cross your fingers and hope borders stayed open and you stayed well.

Now, most major credit card providers have jumped on the COVID-19 bandwagon, which is great to see since it gives a little more peace of mind around travelling. We've put together a rundown of each credit card and its coronavirus policy, but always check the card's PDS since it can change quickly.

Interestingly, some providers like ANZ and St. George have changed their terms to include all pandemic/epidemic disruptions from now on. Let's hope we don't need that anytime soon.

Remember, terms, conditions and exclusions apply to travel insurance. Check the PDS for more information.

American Express 

Domestic return trips:.

• you can change, curtail or cancel your return trip if you, your travel buddy or the person you were visiting test positive for coronavirus.
• You aren't covered if you need to cancel or reschedule because borders closed or travel advisory warnings are put in place.
• If you become unwell with coronavirus while travelling, you can claim under Medical Emergency Expenses cover (not valid while a 'do not travel' warning is in place)

International return trips:

• You can be covered if borders close or a travel advisory warning is issued for the country you're visiting.
• You won't be covered if Australia issues a 'do not travel' warning.
• You won't be covered if the borders at your destination are already closed.

Amex credit cards with complimentary travel insurance including COVID-19 cover:

• American Express Platinum Edge
• American Express Explorer
• American Express Velocity Platinum
• Qantas American Express Ultimate
• Qantas American Express Premium

Claims related to pandemics/epidemics:

• if you or any dependents covered by the travel insurance test positive to COVID-19, or any illness recognised as a pandemic/epidemic, you may be able to claim the Cancellation, Additional Expenses, Evacuation & Repatriation, and Overseas Emergency Assistance cover.
• If you become ill with COVID-19, you may be able to claim Overseas Medical Emergency cover.
• If your travel buddy becomes ill with COVID-19, cover is available under Cancellation and Additional Expenses.
• There is no mention of coverage if you're prevented from travelling by border closures or travel warnings.
• You aren't covered if you travel to a destination with a travel advice warning by the Australian government.

ANZ credit cards with complimentary travel insurance including COVID-19 cover:

• ANZ Frequent Flyer Platinum
• ANZ Frequent Flyer Black
• ANZ Rewards Platinum
• ANZ Rewards Travel Adventures Card
• ANZ Rewards Black
• If you or any dependents covered by the travel insurance test positive to COVID-19, or any illness recognised as a pandemic/epidemic, you may be able to claim the Overseas Emergency Assistance, Overseas Emergency Medical, Medical Evacuation & Repatriation, Cancellation, and Additional Expenses cover.
• You aren't covered if you don't follow advice or warnings when travelling to a destination; for example, a 'Reconsider your need to travel' or 'Do not travel' alert from the Australian government, or published by a reliable media source.
• NAB's travel insurance policy specifically states there are no other pandemic or epidemic-related circumstances covered, which likely includes border closures or other travel restrictions.

NAB credit cards with complimentary travel insurance including COVID-19 cover:

• NAB Low Fee Platinum
• NAB Qantas Rewards Signature
• NAB Rewards Signature
• NAB Qantas Rewards Premium
• NAB Rewards Platinum

Latitude 28° Global Platinum Mastercard 

Claims related to covid-19:.

• Cover applies to you and your 'family', which includes you, your spouse and up to 3 eligible children
• You can claim up to $700,000 per person in medical costs if you need treatment for COVID-19 during an overseas covered trip
• You may be covered for travel and accommodation deposits if you contract COVID-19 on a covered trip and a doctor certifies you're unfit to travel
• If you have to quarantine just before departure because you've tested positive to COVID-19, you may be covered for administrative costs (but not any other additional costs related to your quarantine)
• You're not covered for any additional costs such as accommodation or flights because of borders closures or travel disruptions
• If you or any dependents covered by the travel insurance test positive to COVID-19, or any illness recognised as a pandemic/epidemic, you may be able to claim the Cancellation, Additional Expenses, Evacuation & Repatriation, and Overseas Emergency Assistance cover.
• If you become ill with COVID-19, you may be able to claim Overseas Emergency Medical cover.
• You aren't covered if you travel to a destination with a travel advice warning by the Australian government, even if you have an exemption or permission from the Australian government to travel

Bendigo Bank credit cards with complimentary travel insurance including pandemic cover:

• Bendigo Platinum Rewards
• Bendigo Bank Qantas Platinum

St. George 

• If you or any dependents covered by the travel insurance test positive for COVID-19, or any illness recognised as a pandemic/epidemic, you may be able to claim the Overseas Emergency Assistance, Overseas Emergency Medical, Medical Evacuation & Repatriation, Cancellation, and Additional Expenses cover.
• If you or your companion become so sick with COVID-19 that can't continue travelling, you may be reimbursed for additional accommodation and travel expenses.

St. George credit cards with complimentary travel insurance including pandemic and epidemic cover:

• St. George Amplify Platinum
• St. George Amplify Platinum - Qantas
• St. George Amplify Signature
• St. George Amplify Signature - Qantas

Westpac 

Westpac credit cards with complimentary travel insurance including pandemic and epidemic cover:.

• Westpac Altitude Black
• Westpac Altitude Black - Qantas
• Westpac Altitude Platinum Black
• Westpac Altitude Platinum - Qantas
• Westpac Business Choice Rewards Platinum Mastercard
• Westpac Altitude Business Platinum
• Westpac Altitude Business Gold Mastercard
• If your travel buddy becomes ill with COVID-19, cover may be available under Cancellation and Additional Expenses.
• If you or your companion become so sick with COVID-19 that you can't continue travelling, you may be reimbursed for additional accommodation and travel expenses.

Bank of Melbourne credit cards with complimentary travel insurance including pandemic and epidemic cover:

• Bank of Melbourne Amplify Platinum
• Bank of Melbourne Amplify Platinum - Qantas
• Bank of Melbourne Amplify Signature
• Bank of Melbourne Amplify Signature - Qantas
• Bank of Melbourne Amplify Business

BankSA credit cards with complimentary travel insurance including pandemic and epidemic cover:

• BankSA Amplify Platinum
• BankSA Amplify Platinum - Qantas
• BankSA Amplify Signature
• BankSA Amplify Signature - Qantas

Claims related to pandemic/epidemic cover:

• If you test positive for Covid-19 you may be able to access Overseas Medical Emergency and Hospital Expenses cover.
• You aren't covered if you don't take appropriate action to avoid countries with a 'do not travel' warning advised by the Australian government or mass media.
• You will not be covered for flight cancellations, accommodation or any other travel expenses.
• You will not be covered for anything Covid-related on a cruise.

Bankwest credit cards with complimentary travel insurance including COVID-19 cover:

• Bankwest Breeze Platinum Credit Card
• Bankwest Zero Platinum Credit Card
• Bankwest More World Mastercard
• Bankwest Qantas Gold Credit Card
• Bankwest Qantas Platinum Credit Card
• Bankwest More Platinum Credit Card
• If you test positive for COVID-19, or any illness recognised as a pandemic/epidemic, you may be able to claim the Overseas Emergency Assistance, Overseas Emergency Medical, Medical Evacuation & Repatriation, Cancellation, and Additional Expenses cover.
• You aren't covered if borders close during your trip.

HSBC credit cards with complimentary travel insurance including COVID-19 cover:

• HSBC Platinum Card - 0% Balance Transfer Offer
• HSBC Premier Credit Card
• HSBC Platinum Qantas Credit Card
• HSBC Credit Card
• You aren't covered if you don't take appropriate action to avoid countries with a 'do not travel' warning advised by the Smart Traveller website (excluding Australia and New Zealand).
• You may be covered for costs incurred from having to cancel, curtail or change your trip because you or your travel buddy contract COVID-19.
• You may be covered for overseas medical emergency expenses on your overseas return trip and transportation of remains if you die from COVID-19 while travelling (it must be confirmed and diagnosed on your trip).
• Besides Trip Cancellation and Amendment Cover and Overseas Medical Emergency Expenses cover, you won't be covered for anything else caused by COVID-19 or any of its variants.
• You may be covered for overseas medical emergency expenses on your overseas return trip and transportation of remains if you die from COVID-19 while travelling (it must be confirmed or diagnosed on your trip).

Other credit cards with complimentary travel insurance

Almost all banks and insurance companies have updated their insurance terms to include COVID-19 since 2020. You can find and compare credit cards with free travel insurance here , but always check the terms and conditions to see what you're covered for.

Tips for using complimentary travel insurance

First, always read the PDS carefully. I know, it's like a broken record, but insurances come with a lot of 'but's and 'only if's that could leave you high and dry - and out of pocket - if things go awry. Clauses regarding COVID-19 are still new, so make sure you understand what you're covered for.

Second, make sure you activate your credit card's travel insurance. You'll usually be able to check that it's active via the card's website or by calling customer service.

💡 TIP: Accommodations, airlines and tour operators may have their own COVID-19 policies that are worth checking before you book, too. 

Pauline Hatch is a personal finance expert at Creditcard.com.au with 8 years of finance writing under her belt. She loves turning complex money concepts into simple, practical actions so you can win financially. You can ask Pauline any questions by submitting a comment below and get a personal reply.

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• The annual fee is charged in the first month. • You only pay the minimum monthly payment of your overall balance each month. • You do not spend or withdraw cash on the card until the balance transfer period ends or is paid in full. • All other fees and charges that may apply are excluded. When there is no interest savings or a negative interest saving after the introductory period, the calculator will display $0.'> Filter your savings

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Ask a question, bank of melbourne vertigo.

Offers 0% interest on balance transfers for 28 months, with a one-time 1% balance transfer fee and a $55 annual fee.

The $55 annual fee is also on par with other low rate cards. Just keep in mind that there is a one-time 1% balance transfer fee and if you don’t pay off your balance transfer during the first 28 months, a high interest rate of 21.49% p.a. will apply to the remaining balance. To get the most value out of the balance transfer offer, you should focus on paying off your balances during the introductory period and avoid making new purchases during that time.

• 0% p.a. for 28 months on balance transfers
• A low ongoing annual fee
• Competitive purchase interest rate of 13.99% p.a.
• Shopping cashbacks through ShopBack
• Request an additional cardholder at no extra cost
• Charges a one-time 1% balance transfer fee
• Balance transfer rate reverts to 21.49% p.a. at the end of the promotional period
• No rewards program, travel perks and insurance covers

The Bank of Melbourne Vertigo is suited to people who want to keep their card costs down and don’t want a lot of fancy features. If you have a credit card you want to pay off, the long balance transfer offer gives you a way to save with 0% p.a. interest for 28 months (with a one-time 1% balance transfer fee) when you apply by 31 July 2024 and include your balance transfer request as part of the application. It also offers a low ongoing $55 annual fee.

You can apply for the Bank of Melbourne Vertigo credit card online in around 10 minutes. Get started by checking that you meet the eligibility criteria and have all the documents and details you need to complete the application.

Eligibility criteria

• New cardholder. The balance transfer offer is only available when you apply for the Bank of Melbourne Vertigo credit card as a new cardholder before 31 July 2024.
• Eligible balance transfer. If you're planning to take advantage of the balance transfer offer, note that you can transfer debt from Australian credit cards not issued by Bank of Melbourne, St.George or BankSA. You can transfer from $200 up to 80% of your credit limit.
• Residency. To apply online, you must be an Australian citizen or permanent resident.
• Age. You must be at least 18 years old to apply.

Required documents

• Personal details. This includes your full name, date of birth, email address, phone number, residential address and details of your living arrangements. You will also need to provide valid ID details, such as your driver's licence, passport or Medicare card.
• Employment details. The application requires details such as your current job title, salary, length of employment and your employer's contact details. You may also need to provide recent payslips, bank statements or other documents that confirm your income and employment.
• Financial details. This covers any other income – such as government payments or pensions – along with your savings and assets. You also need to share details of existing debts, loans, credit cards and other liabilities, as well as an estimate of your regular household expenses.
• Balance transfer details. To take advantage of the introductory balance transfer offer on this card, you will need to include your balance transfer request when you apply. This includes the amount of debt you want to transfer and the details for your existing account, including the account name, number and the provider's BSB.
• Balance transfer offer . Apply by 31 July 2024 and include your balance transfer request as part of the application to get a balance transfer rate of 0% p.a. for 28 months (with a one-time 1% balance transfer fee). This reverts to the variable cash advance rate of 21.49% p.a. at the end of the introductory period.
• Competitive purchase rate. The variable interest rate on purchases is 13.99% p.a.
• Interest-free days. When you pay your monthly payment balance in full by the due date listed on each statement, you will get up to 55 days interest-free on purchases. Note that your monthly payment balance excludes current balance transfers. Interest-free days are also separate from any longer-term interest rate promotions.
• Shopping cashbacks. Eligible Bank of Melbourne credit card holders can get cashbacks when they shop with their card on the online rewards platform ShopBack.
• Visa benefits. Take advantage of exclusive offers for travel and hotel bookings, shopping, dining and experiences – with seasonal deals listed on the Visa Australia website. You can also enjoy exclusive event and ticket offers by signing up to the Visa Offers + Perks website.
• Mobile payment technology. You can make tap and go payments using your eligible phone or device by adding this card to your Apple Pay , Google Pay or Samsung Pay wallet .

Rates & fees

• Annual fee. This card charges a $55 annual fee.
• Cash advance costs. If you make a cash advance transaction on the Bank of Melbourne Vertigo credit card, you will be charged the variable cash interest rate of 21.49% p.a. This rate will be effective from the date the transaction occurs. Cash advances also attract a fee of 3% of each cash advance amount.
• International transaction fee. The fee for converting currency and making purchases with merchants overseas or online in a foreign currency is 3% of the transaction value.
• Bank of Melbourne Vertigo Card information PDF
• Bank of Melbourne Vertigo Card TMD

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December 05, 2023

I currently have c/bank gold m/card. D oes this card have similar things?

Amy Bradney-George Finder

December 06, 2023

Hi Brian, The Bank of Melbourne Vertigo is a Visa credit card, so it would offer a similar level of global acceptance to a Mastercard. It has a relatively low interest rate compared to the average credit card rate in Australia, and a competitive annual fee. If you want to compare it specifically to your existing card, a simple way would be to review the details on your account or most recent statement and compare them to the details on our review. If there is a specific feature you want, you can check for it here or contact Bank of Melbourne directly. I hope this helps.

Belinda Petrovski

March 23, 2023

Is this a business credit card

March 24, 2023

Hi Belinda, This is not a business credit card and is designed for personal use. Finder’s guide to Bank of Melbourne credit cards includes its business and corporate options. Alternatively, you can compare a wider range of business credit cards in Finder’s guide. I hope that helps.

March 01, 2017

Hi I’m looking to see if you still have this offer, as I want to do a balance transfer?

The Bank of Melbourne Vertigo Visa does offer 0% p.a. for 18 months on balance transfers and 0% p.a. for 6 months (reverts to 13.24% p.a.) on purchases. You can enjoy these benefits at the same time or is there a better offer?

Many Thanks

March 03, 2017

Thanks for your question.

I’m afraid that the current and available offer for the Bank of Melbourne Vertigo Visa Credit Card is only 0% p.a. interest on BT for 12 months and 0% p.a. interest on purchases for 6 months.

Please make sure though to read the eligibility criteria, features and details of the card, as well as the relevant PDS/ T&Cs of the card before making a decision and consider whether the product is right for you.

Cheers, May

January 30, 2017

Does this card allow promotional rates on both balance transfers AND purchases at the same time?

Ie – I apply for this card, am accepted, but then also want to transfer a balance from another card to this one, will I still receive the promotional rates for both purchases and transfers?

Or is it only one at a time?

Many thanks

Anndy Lou Finder

The Bank of Melbourne Vertigo Visa does offer 0% p.a. for 18 months on balance transfers and 0% p.a. for 6 months (reverts to 13.24% p.a.) on purchases. You can enjoy these benefits at the same time.

To receive the balance transfer offer, you must request for it during the application process. Even with outstanding balance transfer, you can still enjoy the purchase rate offer.

Cheers, Anndy

October 31, 2016

I’m trying to apply for a balance transfer cc on line but it keeps saying my amount to transfer ($4500) is greater than 95% of my credit limit ($30000). My maths seems to give a different answer! Please help.

Hi Barbara,

Please note that the amount that you can transfer to your Bank of Melbourne Vertigo Visa is up to 95% of your approved and available credit limit . If you have further questions about your balance transfer request, you may have to directly get in touch with Bank of Melbourne on 13 22 66.

Amy Bradney-George

Amy Bradney-George was the senior writer for credit cards at Finder, and editorial lead for Finder Green. She has over 16 years of editorial experience and has been featured in publications including ABC News, Money Magazine and The Sydney Morning Herald. See full profile

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• Travel Insurance

Need travel insurance for your next trip?

Cover-More Travel Insurance offers a range of insurance options. In partnering with CGU Insurance, we can help you access Cover-More Travel Insurance.

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International cover.

International Travel Insurance plans help to protect your trip abroad and can provide cover for overseas emergency medical expenses, missed flight connections or travel delays, lost or stolen luggage, and so much more.

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Going overseas?

Travel more and worry less, knowing your travel insurance is sorted if things go wrong while you're away.

Cover-More’s International Travel Insurance plans give you a choice of cover options which can provide cover for overseas emergency medical expenses, personal liability, luggage and travel documents, cancellation costs and more.

Domestic travel

Need a little extra protection for your Australian holiday? Domestic Travel Insurance plans give Australian residents cover for expenses such as lost or damaged luggage and personal effects, cancellation costs, rental car insurance excess and more.

We can help arrange Domestic Travel Insurance for your trip, through Cover-More Travel Insurance.

Cover-More offer Domestic Comprehensive and Domestic Cancellation plans, if you’re an Australian resident travelling within Australia. Domestic travel insurance can help if something unexpected happens and you need to rearrange or cancel your trip (like if you get sick while you're away).

When you choose Domestic Comprehensive cover, your policy will include cover for:

• Luggage and travel documents

• Rental car insurance excess

• Travel delays

• Additional travel and accommodation expenses.

This cover has limits, sub-limits and exclusions, so read the Product Disclosure Statement (PDS) for full details of what’s covered.

Single or multi-trip options

Cover-More offer a range of plans to choose from, depending on your travel needs. Annual multi-trip plans give you the flexibility to travel without the need to purchase a new policy for every trip.

Cover-More offer a range of plans to suit different travel needs and budgets. Annual Multi-Trip plans give you the flexibility to travel without the need to purchase a new policy for every trip. Whether you are planning just one trip this year or several, Cover-More have a range of travel insurance plans to choose from. Cover-More’s International Comprehensive Plan and Domestic Comprehensive Plan are both available as a Single Trip or Annual Multi-Trip policy.

Travel Insurance Plan options

Annual multi-trip.

Annual multi-trip plans give you the flexibility to travel without the need to purchase a new policy for every trip.

•Gives you year round cover to destinations that are over 250 km from your home.

•Gives you year round cover to destinations that are less than 250km from home, if your trip includes at least one night of paid accommodation (like in a hotel or Airbnb).

•The option to select your preferred trip duration and the flexibility to take an unlimited number of trips within your annual policy period. You can choose 30, 45 or 60 days on the International Comprehensive Plan, or 15 or 30 days on the Domestic Comprehensive Plan.

Single trip

A Single Trip policy gives you insurance cover for one journey. If you don’t need cover for multiple trips in a year, consider if a Single Trip policy suits your travel needs.

COVID-19 Cover

If you are diagnosed with COVID-19 whilst travelling, we have benefits available on our domestic and international policies including cover for overseas medical costs.

Common scenarios for COVID-19 cover will be automatically included when taking out travel insurance with Cover-More. The level of benefits included will depend on the coverage and the type of policy you decide to purchase. COVID-19 benefits may include: 

 - COVID-19 cover for overseas medical costs 1

 - COVID-19 cover for cancellation and amendments 2

 - Cover for additional COVID-19 expenses 3

To speak to us about an existing policy

Call 1300 889 137

Email [email protected]

Important documents

• Product Disclosure Statement (PDS) and Financial Services Guide (FSG) PDF
• Target Market Determination PDF
• CGU Insurance’s FSG PDF

We are here when you need us

Emergency assistance.

If you need urgent help, you can call Cover-More 24/7

From overseas: (02) 8907 5221

From Australia: 1300 889 137

Calling from overseas

Cover-More also have numbers you can call from outside Australia. If you're in:

New Zealand, call 0800 600 702

The United Kingdom, call 0800 001 5068

USA 833 462 8181

Canada 1833 511 9289

Any other country, call (02) 8907 5221

When you call, have your Cover-More Travel Insurance policy number handy and a phone number Cover-More can call you back on.

It’s simple and easy to make a claim. Call Cover-More to get started.

Or lodge a claim online 

Claim online now through Cover-More’s easy, 5-step process:

   1.  Describe the incident

   2.  Enter your expenses or losses

   3.  Upload any supporting documents

   4.  Provide your bank details

   5.  Review and finalise your claim

You can save and return to an incomplete claim for up to 28 days.  Once you've lodged your claim, Cover-More will update you on how it's progressing within 10 working days.

Follow up an existing claim

Log in  

Cover-More understand that as a result of your incident, you might already be out of pocket. That's why Cover-More try to process claims as quickly as possible. You'll hear from Cover-More within 10 working days from the time they receive your claim. To check your claim's progress, log into Cover-More’s online claims centre or contact them for more details.

Travel Advice

Dip your toe before you dive in by finding out everything you need to know before you go.

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Home insurance, motor insurance, landlords insurance, boat & caravan insurance.

Limits, sub-limits, conditions and exclusions apply. Any advice provided is general only and does not consider your needs or financial situation. To see if the product is right for you, always consider the Product Disclosure Statement and Target Market Determination.

Cover is subject to limits, sub-limits, conditions, and exclusions in the PDS. Travel insurance issued by Zurich Australian Insurance Limited (ABN 13 000 296 640, AFSL 232507), arranged and administered by Cover-More Insurance Services Pty Ltd (ABN 95 003 114 145, AFSL 241713), and promoted and distributed by Insurance Australia Limited (ABN 11 000 106 722; AFSL 227681) trading as CGU Insurance and its distribution partners (including Bank of us (ABN 32 087 652 088; AFSL 236870)). Any advice provided is general only and does not take into account your individual objectives, financial situation or needs. Consider your own needs and the Combined PDS/FSG available from here to decide if this product is right for you. For information on the Target Market and Target Market Determinations visit here .

1 Medical cover will not exceed 12 months from onset. Medical evacuation cover subject to claim approval.

2 Conditions and limits apply to COVID-19 cancellation cover. Cancellation cover applies to the International and Domestic Comprehensive policies. See the Combined FSG/PDS for more information.

3 Cover is for reasonable Additional accommodation expenses (room rate only) and Additional transport expenses. Conditions apply to COVID-19 additional expense cover. See the Combined FSG/PDS for more information.

Bank of us acknowledges and pays respect to the palawa - Tasmanian Aboriginal people - as the traditional owners of all the lands and waters. And we pay our respects to Elders past, present and emerging for they hold the knowledge, memories and culture of Aboriginal people in lutruwita/ Tasmania.

Bank of us is a trading name of B&E Ltd

ABN: 32 087 652 088

AFSL & Australian Credit Licence: 236870

BSB: 632 001

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Bank of Melbourne travel insurance

Discover the bank of melbourne travel insurance proposal.

Bank of Melbourne offers several types of travel insurance covers:

• domestic , which covers travel risk insurance within Australia
• essentials , which covers journeys overseas
• comprehensive , which covers the trips within the country and abroad
• multi-trip , which covers several journeys within the country to places at least 250 km from your home

The Bank of Melbourne travel insurance includes:

• emergency medical assistance and hospital costs
• on over 6 hours’ journeys delay cover
• up to 3 000 AUD cover for lost or stolen laptops, 1 000 AUD for mobiles, and 750 AUD for other belongings

If you have additional questions, you should call at 1800-825-866.

• Bank of Melbourne - credit card points
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All Bank of Melbourne FAQ

Author: Prostobank Consulting

Updated: 01.05.2024

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Travel / Travel insurance

Taking a break, skiing or relaxing on a cruise? We’ve got travel insurance cover for whatever holiday you're planning. 

Our two travel insurance options

International travel insurance available with eligible cards.

International travel insurance for cardholders, their spouse, and accompanied children travelling with them for the entire journey, is available with these CommBank credit cards :

• Low Rate Gold
• Low Fee Gold
• Gold Awards 1 , Platinum 2 , Diamond 2 , Smart and Ultimate

And with our World Debit Mastercard™ .

For eligible credit cards​

To receive cover, including Overseas Medical cover # , before you leave Australia you must:​

1.    Spend at least $500 in a single transaction on your prepaid travel costs using your eligible credit card; and​

2.    Activate your travel insurance​

You will also qualify if the $500 worth of prepaid travel costs is redeemed using CommBank Awards points. You will need to provide a copy of the letter/statement/email confirming the redemption. 

Once you have met the spend requirement and activated, your international travel insurance cover includes:

• Unlimited overseas emergency medical assistance
• Cancellation cover
• Lost luggage and personal belongings
• Additional cover for travel delays and more

For World Debit Mastercard TM ​​ You need to activate your insurance to receive comprehensive cover. ​​

Overseas Medical cover, which includes overseas emergency medical assistance and hospital expenses and personal liability cover is automatically included. 

Here’s what you need to know about  international travel insurance available with credit cards  and  international travel insurance available with our World Debit Mastercard (PDF) .

Doing more than relaxing? You should consider additional cover if you’re participating in activities  like skiing, motorbiking or adventure sports. A premium will apply.

Activate now

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CBA travel insurance (domestic & international)

CBA Travel Insurance has got you covered with international and domestic travel insurance plans that you can tailor for yourself (as the policyholder) and up to 10 people travelling with you for the entire journey. Plans available include:

• Comprehensive cover  including unlimited 3 overseas emergency medical and hospital expenses cover and more
• Essentials cover  is our no-frills plan which covers listed pre-existing conditions and more
• Medical only
• Cancellation only
• Domestic  for your holiday or work trip within Australia

Doing more than relaxing? You should consider additional cover if you’re participating in activities like skiing, motorbiking, or adventure sports. A premium will apply.

Get a quote

Travel insurance checklist

• Remember to check the Travel Alerts page regularly to see if there are any global events that can affect you and your travel insurance policy
• Organise your travel insurance cover as soon as your trip is booked.  Tell me more
• Once you've purchased your CBA Travel Insurance or activated your CBA credit card or debit card international travel insurance, we'll email you a Certificate of Insurance which confirms: - Period of cover - Your premium - What cover options and excess applies - Any variances to the standard terms 
• Print out and take a copy of your Certificate of Insurance with you as it may come in handy
• Tell us before you go – register your travel destinations in the CommBank app or  NetBank
• Read our  Travelling overseas: 10 step money checklist , or info about online banking while you're overseas  
• Lock Block, Limit  your CommBank credit card or Lock, Block  your CommBank debit card

How to make a claim

Your claim will be managed by cover-more, our travel insurance provider..

Make a claim online or call Cover-More, 8am-5pm Mon - Fri and 9am-4pm Sat (Sydney/Melbourne time)

• Within Australia: call Cover-More on  1300 467 951
• From overseas: call Cover-More on + 612 8907 5060   (call charges may apply)

Here's how to make a claim

In an emergency

Make a local or international call.

• Within Australia:  call Cover-More on  02 8907 5641  (24/7)
• Within Australia, to report a lost or stolen CommBank card:  call us on  13 2221  (24/7)
• From overseas:  call Cover-More on    +61 2 8907 5641  (24/7)
• From overseas, to report a lost or stolen CommBank card:  call us on + 61 2 9999 3283  (24/7)

Protect your cards & money in the CommBank app & NetBank

• Lock, Block, Limit your CommBank credit card  
• Lock, Block your CommBank debit card
• Manage your Travel Money Card
• Cancel and order replacement CommBank cards in NetBank or the CommBank app

Managing your travel insurance policy online

Update your contact details, locate your Certificate of Insurance, add or remove travellers and make changes to your travel insurance policy.

Discover how

Things you should know

1  Gold Awards cards are no longer available for sale from 23 March 2018 .

2  Platinum Awards & Diamond Awards cards are no longer available for sale from 3 June 2023.

3 Medical and dental cover and assistance will not exceed 12 months from onset of the illness or injury. Sub-limits apply.

# For eligible credit cards, you will need spend at least $500 in a single transaction on your prepaid travel costs (e.g. the cost of your return overseas travel ticket, prepaid accommodation, cruise, travel or tour) by charging the cost for that trip on your eligible card account before leaving Australia and activate to receive any cover, including Overseas Medical cover. You will also qualify if the $500 worth of prepaid travel costs is redeemed using CommBank Awards points. You will need to provide a copy of the letter/statement/email confirming the redemption.

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 ( CBA ).

Terms, conditions, restrictions, exclusions (including for pre-existing medical conditions and persons aged 74 years or over for CBA Travel Insurance, and 80 years or over for insurance available with eligible cards), benefit limits, sub-limits and excesses may apply to all insurances. Before activating the international travel insurance included in your CommBank credit card please read the  Credit Card Insurances Product Disclosure Statement and Information Booklet  for more information. If you have activated international travel insurance included in your CommBank credit card on or before 6 February 2024, please refer to the Credit Card Insurances Product Disclosure Statement and Information Booklet – effective 2 June 2023 .

Before activating the international travel insurance included in your World Debit Mastercard, please read the  World Debit Mastercard insurances Product Disclosure Statement and Information Booklet (PDF) for more information.

If you have activated international travel insurance included in your World Debit MasterCard on or before 9 August 2022, please refer to the World Debit Mastercard insurances Product Disclosure Statement and Information Booklet – effective 29 September 2021 .

Before making a decision on CBA Travel Insurance please read the  CBA Travel Insurance Combined Product Disclosure Statement and Financial Services Guide  for more information.

Where used, the term “ unlimited” only means there is no capped dollar sum insured. All costs and expenses claimed must be reasonable. You are only covered for treatment received and/or hospital accommodation during the 12 month period after the sickness first showed itself or the injury happened. Sub-limits may apply.

The target market for this product will be found within the product’s Target Market Determination,  available here .

For products offered by Cover-More, information about the Target Market can be found in the Target Market Determinations (TMD) available  here .

CBA and its related bodies corporate do not issue or guarantee this insurance. It does not represent a deposit with or liability of either CBA or any of its related bodies corporate. We do not provide any advice on this insurance based on any consideration of your objectives, financial situation or needs. If you purchase a CBA Travel Insurance policy or purchase an upgrade policy, we (CBA) receive a commission which is a percentage of your premium.