I have just rang up Zurich to confirm that I am covered for my travels . The new PDS as of this 28th Oct 2013, states the amount at $1,000 as a minimum spend. I have paid all of my flights by using Qantas FF points but paid >$1,000 on other fees, and all my accommodation costs through my CBA Diamond AMEX. I spoke to a representative named Alex on 132 687 (0800am WAST) and he was helpful enough to clarify/verify that I am still covered by the complimentary credit card insurance though I have used QFF to pay for my tickets. I was told that as long as I have paid any component of my trip (flights & fees /accommodation/activities) exceeds the >$1,000 threshold, it automatically activates the complimentary travel insurance. This is for a single traveler.This is not entirely correct. The insurance is activated by spending $950 on any aspect of the trip - not just flights. So you can book your hotel/s for example, and if the cost is > $950 it doesn't matter how you pay for your ticket, FF points or not.
From the PDS:
Cardholders, their spouses and dependent children become eligible for this International Travel Insurance when, before leaving Australia on an overseas journey, they have a return overseas travel ticket, and at least:
(a) A$950 of each of the cardholder’s, spouse’s and dependent child(ren)’s prepaid travel costs (i.e. costs of the return overseas travel ticket; and/or airport/departure taxes; and/or prepaid overseas accommodation/travel; and/or other prepaid overseas itinerary items); or
(b) 90% of each of the cardholder’s, spouse’s and dependent child(ren)’s return overseas travel ticket(s);
is paid for by one or a combination of the following payment methods:
• charged to the cardholder’s eligible credit card account; or
• paid for by the redemption of the cardholder’s Commonwealth Awards points through the Commonwealth Awards Program, this excludes points redeemed for Frequent Flyer programs;
and, in the case of the spouse and/or dependent child, they are travelling with the cardholder for the entire journey.