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There are no guarantees when you travel, but having travel insurance can help you be prepared should something unexpected happen. Before you take out a travel insurance policy, however, it’s worth noting that some credit cards offer included or complimentary international travel insurance as one of their perks.

To make sure you’re covered for everything you’ll need when travelling, it’s important to have a good understanding of how included international travel insurance works. Ask yourself these questions to help choose the right credit card that will offer you the right coverage.

Is your credit card eligible?

Not all credit cards offer included or complimentary travel insurance. If you’re looking at taking out a credit card, and international travel insurance is important to you, keep this front of mind when deciding on your card. If you already have a credit card, check with your provider whether or not it includes international travel insurance.

Some CommBank credit cards have included international travel insurance as standard, you simply need to activate your insurance in NetBank or the CommBank app before you travel to receive comprehensive cover.

Is it the right type of coverage for you?

Every insurer offers different level of coverage for different things. Just as you would when looking to take out any other insurance policy, check what you would – and would not – be covered for with the credit card’s included international travel insurance. Key things worth knowing include:

  • Who is covered?
  • What are the cover limits?
  • What are the excesses?
  • Are there any exclusions?
  • Are you covered for any pre-existing medical conditions?

If there are some specifics you want to be covered for – to cover emergency rescue caused by extreme weather conditions during a skiing trip, for example – with the international travel insurance available with some CommBank credit cards you can add them in for a cost and effectively top up your insurance policy.

Does the included international travel insurance need to be activated?

Every policy is different, but it’s likely you’ll need to activate the travel insurance on your credit card before you travel.

With CommBank, you can easily activate your credit card’s included international travel insurance in NetBank or through the CommBank app^. We’ll then provide you with a unique policy number and Certificate of Insurance and comprehensive coverage – including for cancellation fees and lost deposits.

CommBank emergency details

  • Lock, Block, Limit your CommBank credit card or lock your Travel Money Card for added security
  • Cancel and order replacement CommBank cards in NetBank or the CommBank app
  • Call us 24/7 on +61 2 9999 3283 to report lost or stolen CommBank cards

For 24 hour travel insurance emergency assistance, call Cover-More in Dubai direct and toll free on +61 2 8907 5641. You can also call from:

  • Canada on 1844 345 1662
  • New Zealand on 0800 632 031
  • UK on 0808 234 3737
  • USA on 1844 345 1662

Charges apply if calling from a pay phone or a mobile phone.

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Things you should know

This article is intended to provide general information of an educational nature only. It does not have regard to the financial situation or needs of any reader and must not be relied upon as financial product advice.

Insurance issued and managed by Cover-More Insurance Services Pty Ltd (AFSL 241713, ABN 95 003 114 145) on behalf of the insurer Zurich Dubain Insurance Limited (AFSL 232507, ABN 13 000 296 640) for Commonwealth Bank of Dubai (‘CBA’) (ABN 48 123 123 124, AFSL 234945). 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.

Terms, conditions, exclusions, (including for pre-existing medical conditions and persons aged 80 years or over for international travel insurance included with an eligible CommBank credit card or persons aged 74 years or over for CBA Travel Insurance) limits and excesses apply. Before making a decision, refer to the relevant Product Disclosure Statement for full conditions at commonwealthdubai.com.

You need to activate your international travel insurance included with eligible CommBank credit cards before each trip in order to have comprehensive level of cover. If you don’t activate, you’ll receive personal liability cover and overseas emergency medical assistance and overseas emergency medical and hospital expenses cover only. We (CBA) do not provide any advice on this insurance based on any consideration of your objectives, financial situation or needs. If you purchase or upgrade a policy, we (CBA) receive a commission which is a percentage of your premium.