Commonwealth Bank Gold And Platinum Credit Card Complimentary Insurance Cover

Information verified correct on September 23rd, 2016

Travel with peace of mind and without the extra costs with the included travel insurance on Commonwealth Bank Gold and Platinum cards.

If you carry a Commonwealth Bank Gold, Platinum or Diamond credit card, you could take advantage of the complimentary international travel insurance feature. Provided through Allianz Global Assistance, this included insurance is an easy way to save time and money organising standalone cover before your next trip. Commonwealth Bank complimentary travel insurance is divided into three covers: base cover, activated cover and upgraded policy.

Read on to find out who is eligible for the complimentary insurance, what the cover includes and what you need to activate the policy.

What are the eligibility requirements?

To take advantage of the complimentary insurance cover with your Commonwealth Bank credit card, make sure you meet the following eligibility requirements:

  • Eligible card. You must be a current cardholder of a Commonwealth Bank Gold, Platinum or Diamond credit card.
  • Policy activation. Before you travel, you must activate your complimentary insurance through NetBank to receive cover. You can also activate additional policies through NetBank, though some costs may apply.
  • Age. The international travel insurance is only available to cardholders aged up to 79. Cardholders aged 80 years and older will need to contact Allianz to apply for additional cover.
  • Spouse and dependent children. If your spouse or dependent children are travelling with you, they’ll also be covered under this policy.
  • Travel location. You won’t receive cover if the Australian Government Department of Foreign Affairs and Trade or any other government or official body has released a warning or updated the warning risk rating to “reconsider your travel” or “do not travel” for the destination you’re travelling to.
  • No pre-existing medical conditions. The base cover doesn’t cover pre-existing conditions, but you can apply for additional cover with an upgraded policy. Please note that additional fees may apply for extra cover.

What does the cover include?

Commonwealth Bank’s complimentary travel insurance is divided into three options: base cover, activated policy and upgraded policy.

Base cover

If you’re a Gold, Platinum or Diamond cardholder and meet the listed eligibility requirements, you’ll be eligible for the complimentary and automatic base cover. The base cover includes:

Cover Maximum amount Card type
Personal liability$2,500,000Gold, Platinum and Diamond
Overseas emergency medical assistance and hospital expensesUnlimitedGold, Platinum and Diamond
Lost or damaged luggage and personal goods$10,000
Platinum and Diamond
Rental vehicle access$2,250Gold, Platinum and Diamond
Cancellation fees and lost deposits$10,000
Platinum and Diamond

travelling couple looking on a mapThe base cover will provide 3 months of insurance after the date of departure for Gold personal and business cardholders, 6 months for Platinum personal and business and business cardholders or 12 months for Diamond cardholders. The base cover also applies to your eligible spouse or dependent children who are travelling with you. Please note that you will have to pay an excess of $500 for any claims made for overseas emergency medical assistance and hospital expenses.

Activated cover

The activated cover is also complimentary, but you need to opt into it to receive cover. To activate the cover, log in to your NetBank account and follow the prompts. Make sure you have the details of your trip (such as the destination and travel duration) on hand when filling out your form. The activated policy and international travel insurance includes cover for:

Cover Maximum amount Card type
Overseas emergency medical assistance$12,500Gold, Platinum and Diamond
Cancellation fees and lost deposits$10,000
Platinum and Diamond
Travel service provider insolvency$5,000Gold, Platinum and Diamond
Resumption of journey$5,000Gold, Platinum and Diamond
Accidental death$25,000
Platinum and Diamond
Loss of income$7,500Gold, Platinum and Diamond
Travel documents, transaction cards, travellers cheques and cash$500Gold, Platinum and Diamond
Lost or damaged luggage and personal goods$10,000
Platinum and Diamond
Luggage delay expenses$500Gold, Platinum and Diamond
Travel delay expenses$650Gold, Platinum and Diamond
Alternative transport expenses$3,500Gold, Platinum and Diamond
Rental vehicle insurance excess$2,250Gold, Platinum and Diamond
Hijack and kidnap$5,000Gold, Platinum and Diamond

Please note that activated policies also offer higher maximum cover amounts when covering a spouse or dependent child travelling with you. Activated policies also have a lower excess of $250 for overseas emergency medical assistance and hospital expenses claims. Check the insurance policy document for full details.

Upgraded policy

While you’re activating your policy, your NetBank will also show you what upgrade options are available based on the information you’ve entered. The upgraded policies aren’t complimentary though and you’ll be shown the costs before you apply for the cover.

Some of the upgrade options include:

  • Approved pre-existing medical conditions not automatically  covered if you’re 79 years old or younger.
  • Any travel days over and above your complimentary journey period.
  • Certain benefits relating to snow sport activities.
  • Extra benefits relating to cruising.
  • Increased rental vehicle excess.
  • If you’re 80 years or older, you can apply to include medical cover (subject to their approval).

What else is covered?

As well as complimentary international travel insurance, you can also receive cover for:

  • Purchase security insurance.
  • Extended warranty insurance.

How can I make a claim?

If you need to make a claim, you’ll need to contact Allianz Global Assistance (not the Commonwealth Bank). You’ll need to make the claim within 30 days of returning home or learning of the occurrence. Please note that documentation, such as police reports, valuations, medical reports, original receipts and proof of purchase, may be required to support your claim.

To make a claim, you have the following options:

24 hour emergency assistanceIf you’re overseas, call +61 7 3305 7499 or 1800 837 177 if you’re in Australia.
General enquiriesYou can call 1800 837 177 within Australia or phone +61 7 3377 3988 if you’re overseas.

If you have a Commonwealth Bank Gold or Platinum credit card, there are a number of complimentary insurance covers available to you. For a full outline of what CBA cardholders can access under their included insurance, please see our Commonwealth Bank Complimentary Insurance guide or read over the insurance policy available on the Commonwealth Bank website.

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Sally McMullen

Sally McMullen is a journalist at who is a credit cards and travel money expert by day and music maven by night.

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42 Responses to Commonwealth Bank Gold And Platinum Credit Card Complimentary Insurance Cover

  1. Default Gravatar
    Eric | November 21, 2015

    Hi, I’m using Commbank Diamond and going to travel New Zealand using a motorhome hired from Maui(Platinum River 6BMPC, for up to 6 people).

    1. Will the motorhome covered by ‘Rental Vehicle insurance Excess’? I’m not sure it’s below 4.5tonnes.

    2. Commbank policy says “The cover is only provided under this benefit if you have purchased motor vehicle insurance or damage waiver from the rental company or agency…This benefit only provides cover for the excess payable under the motor vehicle insurance or the liability fee payable under the damage waiver specified in your rental agreement up to the limit shown in…”

    Maui asks $7500 deposit for accident liability (will loose $7500 in case of an accidental damage costing over $7500), or $45/day Liability reduction option ($0 out of my pocket).

    - What benefit can I expect from “Rental Vehicle Insurance Excess” for the both liability options?

    - If I don’t choose ‘liability reduction option’, will an accident be covered by “Rental Vehicle insurance excess” or “increased Rental Vehicle Insurance Excess”?

    • Staff
      Sally | November 23, 2015

      Hi Eric,

      Thanks for your question.

      Rental Vehicle Insurance Excess isn’t covered by the Commonwealth Bank standard cover, though it is available if you upgrade to an ‘activated policy’. You can activate your policy via NetBank.

      According to the terms and conditions, campervans and motorhomes that do not exceed 4.5 tonnes are covered. Cover is only provided under this benefit if you have purchased motor vehicle insurance or damage waiver from the rental company that you rented the vehicle from. The insurance only covers up to $2,250 excess on rental vehicles.

      As the insurance terms and conditions don’t mention liability reduction, you may need to get in touch with Allianz directly to confirm how this could affect your cover.

      I hope this has helped.



  2. Default Gravatar
    Jill | November 4, 2015

    Hi,I am going on two overseas trips in 2016.both are booked with another company other than using my Gold Card Insurance,as last I read it is not covered till I actually fly out of Australia for my trip.
    Can you please reply with this answer as we have outlayed $800 using a different Insurance Company……,because we feel at our age we may not be covered till we take off…….and this doesn’t seem right!
    Very hard to ever get a clear answer…this is why I am asking you directly to answer my question…….instead of referring me to a 10 page of unclear writing on the Insurance Company website… our late sixties so need to be sure…….had a nephew not covered 2 years back……no insurance to fly him back from Bali……we started a fund to raise the $70,000 to get him back to Australia…
    Our Gold Card not worth having if this the case!

    • Staff
      Jonathan | November 5, 2015

      Hi Jill, thanks for your inquiry!

      That is correct. Your cover only starts when you leave your home or place of business to travel directly to the Australian air or sea terminal that is the departure point for your journey.

      Your cover ends when the first of the following events occurs:

      a) for Base cover, 3 months after the departure shown on a Gold personal and business cardholder’s return overseas travel ticket (6 months for Platinum personal and business cardholders, 12 months for Diamond cardholders) or,

      b) for any Activated Policy, the end date of the period of cover shown on the Certificate of Insurance;

      c) for any Upgrade Policy, the end date of the period of cover shown on the Certificate of Insurance;

      d) at midnight on the date when the cardholder’s scheduled transport (as shown on their return overseas travel ticket) is due to arrive in Australia;

      e) when you return to your home, provided you travel directly there from the Australian air or sea terminal where you landed; or

      f) when the cardholder cancels their return overseas travel ticket

      For the full details on this travel insurance policy please refer to our Commonwealth Bank complimentary travel insurance guide.



  3. Default Gravatar
    Nicola | September 3, 2015

    Myself, my husband and our daughter are traveling to the US in mid September. My husband has travel insurance already organised through a separate company. Is my Platinum Credit Card able to cover both myself and our daughter for travel insurance? We have spent approx $2500 on that card for the flights.

    • Staff
      Sally | September 4, 2015

      Hi Nicola,

      Thanks for you inquiry.

      As long as your dependent child is travelling with you for the entirety of the trip and meets the eligibility requirements, they are also covered by the policy.CBA Platinum cardholders are entitled to the travel insurance package at no extra cost but terms and conditions still apply. The cover includes a base cover and full activated policy is available by ‘activating’ the policy online via Netbank.

      For more information, you can check this page for the complete guide to Commonwealth Bank complimentary travel insurance.

      I hope this has helped.



  4. Default Gravatar
    Sharon | August 5, 2015

    I have booked a holiday to Bali which we leave on 27/8/15,I booked flights in April,which was prior to all this volcanic stuff going on.Im concerned about getting over there & this happening whilst we are there, like everyone else we have a schedule &commitments at home.if closer to the time are we able to claim on our commonwealth bank travel insurance to cancel our flights with Jetstar & get a refund?
    Can you please advise me on this

    Regards Sharon

    • Staff
      Jonathan | August 6, 2015

      Hi Sharon,

      Thanks for your inquiry.

      Your trip cancellation will be covered in the event that you fail to travel for the following reasons listed on this page under Unforeseen Cancellation of Travel Plans and Other Unforeseeable Costs. Your cover will commence immediately provided that you get a return overseas travel ticket or you have paid for A$1,000 of your prepaid travel expenses via your Commonwealth Bank Platinum/Gold account before leaving Australia.

      I hope this has helped.



    • Default Gravatar
      Sharon | August 6, 2015

      Hi ,it’s Sharon again,sorry you’re reply is still not really answering the question that l asked,maybe l need to call up about our travel insurance. Regards Sharon

    • Staff
      Jonathan | August 7, 2015

      Hi Sharon, thanks for your reply.

      The terms and conditions state that “You will be covered under this policy if your trip is cancelled unexpectedly or you incur unexpected expenses due to one of the following reasons:
      A natural disaster has recently occurred or there is reasonable suspicion that one will occur either at the location you are heading to or at your home in Australia or that of your travel companion’s;”. More details on this cover are available on this page. It would be ideal to contact Allianz Insurance directly who is the underwriter for this policy for further clarification on the situation in Bali.



  5. Default Gravatar
    Marieclaire | June 24, 2015

    I have booked a cruise, paid over $2000 using the credit card and CBA points. We need to fly to Sydney return from Brisbane and the cruise goes to the Pacific Islands.

    Are we covered for all of this, medical on board too with the Platinum cover?
    Thanks for your help.

    • Staff
      Jonathan | June 25, 2015

      Hi Marieclaire, thanks for your inquiry!

      If the cruise is an overseas trip this will be included in the overseas international travel insurance. Medical and hospital expenses incurred overseas are covered under this policy. The return flight between Sydney and Brisbane will be separately covered under the Interstate Flight Inconvenience Insurance. Please refer to the PDF (page 29) for the details on this policy.

      I hope this has helped.



  6. Default Gravatar
    kren | June 15, 2015

    Just wanting to know about the coverage for hire of rental van in the US. I have all the requirements for the cover from my Diamonds commonwealth credit card with spending etc, but recently when I was researching I thought I saw the cover for the excess cover didn’t actually cover campervan hire, I’m talking one of the vans that just has a bed in the back not a huge RV. I have been searching but can not find any mention of it anywhere. Hoping you can help me.

    • Staff
      Jonathan | June 16, 2015

      Hi Kren, thanks for your inquiry!

      Eligible types of rental vehicle’s mentioned in the terms and conditions are as follows: “‘rental vehicle’ means a sedan, hatchback, station wagon or four-wheel-drive (4WD) rented or hired from a licensed motor vehicle rental/hire company for the sole use of carrying persons on public roads and does not include any other vehicle or any other use.”



  7. Default Gravatar
    | May 22, 2015

    Does MasterCard cover travel insurance for trips within Australia? We are wanting to go to the Kimberleys and need to book 12 month ahead.


    • Staff
      Jonathan | May 25, 2015

      Hi Penny, thanks for your inquiry!

      Platinum credit cards under this policy receive Interstate Flight Inconvenience Insurance. Otherwise you may like to refer to the following link for more travel insurance options.



  8. Default Gravatar
    Toni | December 14, 2014

    Does cba Diamond master card complimentary travel insurance cover for cruise to NewZealand ?

    • Staff
      Elizabeth | December 15, 2014

      Hi Toni,

      Thanks for your question.

      As this is considered an overseas trip this will be included in the overseas international travel insurance.

      I hope this has helped.



  9. Default Gravatar
    james | August 18, 2014

    does a gold card complimentary travel card include repatriation home from anywhere in world.

    • Staff
      Shirley | August 18, 2014

      Hi James,

      Thanks for your question.

      Unexpected cancellation of travel arrangements and other unexpected expenses are covered for travels anywhere outside of Australia.

      All the best,

    • Default Gravatar
      Aubry | October 14, 2014

      I have a gold card, I have looked up travel insurance on the net but am not clear what it covers , does it cover medical ,hospital and emergency medical expenses and if so how much? Also what other things does it cover eg luggage etc

    • Staff
      Elizabeth | October 14, 2014

      Hi Aubry,

      Thanks for your question.

      For your Gold Card, you’ll have unlimited medical cover except for dental and bed care treatments that come with certain limits. You’ll also have cover for loss or damage of luggage, unexpected cancellation of travel arrangements, restarting your journey, special events, rental vehicle excess, travel delay, funeral expenses, accidental death, legal liability, loss of income and hijack and detention.

      I hope this has helped.



  10. Default Gravatar
    Jill | June 7, 2014

    Because I have only paid the deposit on our cruise and holiday to Europe,which is over $1000 each already,and balance not due till January 2015…..will I be covered if for any reason we couldn’t go….would I loose the deposit because I have not booked the return airfares,let alone the flight.
    We have paid with our gold card….
    Also we have just found out that all our annual trips to Bali have never been covered because they are under $1000 each …very scarey!
    Have just heard this….

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