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CBA now include free international travel insurance without conditions

N860CR

AFF Supporter
Joined
Nov 30, 2004
Messages
3,315
I'd use caution before relying on this product.

I have been trying to obtain clarification regarding the contradictory terms in the PDS with this insurance. CBA referred me to Allianz claiming they have nothing to do with the insurance product. Allianz sent me back to CBA saying that while they issue the product, CBA determine elibigility with their cards.

CBAs response to the FOS today was "we do not issue the insurance product, Allianz is responsible for it. This is our final decision".

Given neither CBA or Allianz are prepared to accept responsibility for this, I have obtained another insurance product.
 

Boris spatsky

Established Member
Joined
Oct 8, 2010
Messages
1,851
I'd use caution before relying on this product.

I have been trying to obtain clarification regarding the contradictory terms in the PDS with this insurance. CBA referred me to Allianz claiming they have nothing to do with the insurance product. Allianz sent me back to CBA saying that while they issue the product, CBA determine elibigility with their cards.

CBAs response to the FOS today was "we do not issue the insurance product, Allianz is responsible for it. This is our final decision".

Given neither CBA or Allianz are prepared to accept responsibility for this, I have obtained another insurance product.
Were you trying to claim? I activated it, and was sent a certificate of insurance. It clearly tells me how to claim should i need to. Just interested.
 

N860CR

AFF Supporter
Joined
Nov 30, 2004
Messages
3,315
No I was trying to clarify some contradicting points in the PDS. There are still several references to "proving eligible spend" etc which still suggest that the PDS expects a spend on the statement. The first CBA staff member agreed and said that there was a contradiction, however they then put the wall up. Allianz isn't interested either.

Given the PDS has some serious issues and the bank doesn't seem interested in fixing them, it sounds like the sort of thing they'd try to use to deny a claim
 

Zchanf7

Junior Member
Joined
Sep 25, 2011
Messages
11
I've activated mine for trip to USA. Reading through the policy it looks better than the insurance I paid for last year. Limits are higher and quite generous. Finally ''free'' travel insurance worth having.
 

SOPOOR

AFF Supporter
Joined
Jan 12, 2009
Messages
2,482
hey eveyrone

is this still avaialbe?

i used it a few months ago, but cant seem to find it online under my netbank login
 

SOPOOR

AFF Supporter
Joined
Jan 12, 2009
Messages
2,482
found the link,
it was very hard to find buried
still aviaalble

I always wonder if you accidentaly give the wrong info do they void your claim

eg travel between 1st jan to 31 jan

and you acidentally submit it as 1 jan to 1st of feb

or put the wrong country down eg you arrive in cambodia, put down cambodia but spend most of your time in laos and have a accident in laos?
 

SOPOOR

AFF Supporter
Joined
Jan 12, 2009
Messages
2,482
Just curious

Am currently on holidays.
My plane has been delayed half a day am which means an extra night in hotel

My excess is 200 or 250
Is there any point in making a claim if I'm only going to net $50?
Ie do excesses go up? Or they won't insure you? Etc etc
 

ChrisFlyer

AFF Supporter
Joined
Jun 4, 2009
Messages
1,419
Flights
My Map
Just curious

Am currently on holidays.
My plane has been delayed half a day am which means an extra night in hotel

My excess is 200 or 250
Is there any point in making a claim if I'm only going to net $50?
Ie do excesses go up? Or they won't insure you? Etc etc
If it were a paid policy which had a renewal option I'd consider not claiming, but given that CBA is paying, go for it! Any excess is the standard amount for all cardholders, unless you have special cover like for pre-existing conditions, snow etc.
 

SOPOOR

AFF Supporter
Joined
Jan 12, 2009
Messages
2,482
If it were a paid policy which had a renewal option I'd consider not claiming, but given that CBA is paying, go for it! Any excess is the standard amount for all cardholders, unless you have special cover like for pre-existing conditions, snow etc.
sorry for the late reply,

thank you for your help,I

will claim the next time, as its probably not much benefit to claim this time
 

Cynicor

AFF Supporter
Joined
Jun 13, 2007
Messages
3,748
They (any TI I have seen) don't take past claims into account, so always claim.
 

potm

Member
Joined
Aug 29, 2010
Messages
481
Anyone actually claimed anything on this? Reading productreviews site doesn't instill a lot of confidence into me.
 

theblank

Established Member
Joined
Aug 3, 2014
Messages
1,079
The Insurance Terms and Conditions will explain that.

As for the 'schoolies' abandoned in bali, i am sure most of them are destitute and heartbroken at being stuck there. We might need to crowdfund for a greenpeace ship to go pick them up.

For those claiming they have been abandoned by insurance companies can go cry me a river. Who could not have possibly known about this potential issue leading up to the event.

p.s. the Bali hotels are giving 1st night free and subsequent nights 50% off for stranded travellers. Governer and hoteliers association mandate.
 

Skyhawk

Member
Joined
Sep 28, 2016
Messages
128
N860CR - Did you ever receive any feedback re the conflicting terms of this policy?
 

N860CR

AFF Supporter
Joined
Nov 30, 2004
Messages
3,315
N860CR - Did you ever receive any feedback re the conflicting terms of this policy?
Not really, no. CBA said "not my problem" and referred it back to the insurance provider.

They sent a very washy email stating that "some people are covered under the old provisions, and some under the new, so the terms may not reflect your situation".

All in all... I'm not really sure how confident I'd be in the product. CBA totally distance themselves from it, and the insurer doesn't seem to be very good
 

SOPOOR

AFF Supporter
Joined
Jan 12, 2009
Messages
2,482
Any experts on the cba comp travel insurance.

Going to Bali in a few weeks
1. Is flights cancelled due to volcano covered I had a quick look at the pads but couldn't find it I'm sure it's in there though

2. If I can't get to Bali and hence all the hotels I booked. How does insurance work with amex travel credit bookings, or points redemptions

Thanks everyone
 

JinbaIttai

AFF Supporter
Joined
Nov 4, 2014
Messages
51
Going to Bali in a few weeks
1. Is flights cancelled due to volcano covered I had a quick look at the pads but couldn't find it I'm sure it's in there though
The free cover is provided by Allianz, and their website says:

If you entered into a policy after 7am (AEST) Friday 29 June, 2018 we would expect that this was done with an awareness of the increased activity of Mt Agung and that this could affect travel. For these policies, where that is so, claims that arise due to volcanic activity associated with Mt Agung (for example, flight delays or cancellations) may not be covered or have reduced cover.

So provided you activated your cover earlier you should be OK

Compare that with eg. Covermore who won't cover anyone for Bali unless the policy is older than Sept 2017!

2. If I can't get to Bali and hence all the hotels I booked. How does insurance work with amex travel credit bookings, or points redemptions
That is a very good question, and I suspect until someone goes through a claim process we won't know the answer.

My first thought for the Amex travel credit was "I have an invoice for the full amount, it should be covered" but I checked my invoice (for a flight booked with Explorer travel credit) and it says:

$536.82
Discount - $400.00
Tax $93.17
PAYMENT RECEIVED: $229.99

So from the insurance PoV we've received a "discount" on our bookings and are only owed for the amount we paid over and above the travel credit.


 

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