travel insurance with cba

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CommBank Travel Insurance

Our verdict: commbank travel insurance is a budget-friendly option for younger travellers, but excludes most claims related to covid-19..

In this guide

Summary of CBA Travel Insurance Comprehensive policy

How does commbank travel insurance cover covid-19, what policies does commbank offer, here's a breakdown of commbank travel insurance features, standard features, optional add-ons, how to make a commbank travel insurance claim, here's the bottom line about commbank travel insurance, frequently asked questions, request travel insurance quotes and compare policies.

Destinations

• CBA's travel insurance policies are cheaper than many others in the market, offering a budget-friendly option for travellers.
• With four international options and one domestic, travellers have a range of policies, cover levels and price points to choose from.
• Cover for claims related to COVID-19 are completely excluded, with the exception of overseas medical expenses. This does leave travellers exposed to extra risk.
• There's an age limit on some policies including Essentials and Inbound travel insurance (up to 69yrs old).

Compare other options

Table updated August 2023

CommBank has limited cover for COVID-19. All claims are excluded, with the exception of overseas medical expenses.

You won't be covered for:

• Cancellation or amendment costs if you're diagnosed with COVID-19
• Additional accommodation and travel expenses incurred due to COVID-19
• Mandatory quarantine or isolation expenses imposed by the government9

If you need more comprehensive COVID-19 cover, we've compared all the providers that offer cover for COVID-19 .

CBA offers six different policies - Comprehensive, Essentials, Medical Only, Cancellation Only, Inbound and Domestic.

Only CBA's International Comprehensive & Domestic policies can be purchased for a single trip or multiple trips. All other policies can only be purchased for single trips.

International Comprehensive (Single & Multi-Trip)

International Essentials

International Medical Only

International Cancellation

Domestic (Single & Multi-Trip)

The insurer of this product is Zurich Australian Insurance Limited. It comes with a cooling-off period of 21 days.

These are some of the main insured events that CommBank will cover. Some of these benefits are only available for certain levels of cover (e.g. the comprehensive policy versus the essentials policy).

• Accidental death or disability
• Additional accommodation and transportation expenses
• Amendment or cancellation costs
• Delayed luggage allowance
• Loss of income
• Luggage and personal effects
• Overseas medical expenses
• Theft of money
• Travel delay
• Rental car insurance excess

CommBank also offers optional add-ons that provide cover for a wider range of risks. Generally, these will cost more but they do strengthen your policy.

• Existing medical conditions. Cover that includes your existing medical conditions. You will likely have to take an online medical assessment.
• Adventure activities. Cover for riskier activities, including triathlons, outdoor rock climbing, and skydiving.
• Cruise cover. Extra protection for a range of cruise-specific risks including sea sickness, missed ports, and marine rescue.
• Motorcycle/moped riding. Cover if you're planning to ride a motorcycle or moped either as a driver or pillion. Specific criteria must be met, including having a valid Australian licence, wearing a helmet, and not racing.
• Snow sports. Cover if you're hitting the slopes , specifically for skiing, snowboarding or snowmobiling.
• Increased luggage item limits. If you're travelling with expensive items (PDS), you can increase your luggage cover for that item. You may be asked to provide proof of value.
• Electronic gadgets. Increase the individual limits of a variety of tech items, including laptops, headphones, and cameras, up to a maximum of $5,000.
• Increased rental vehicle excess. Get a higher limit for rental car excess, increasing the $6,000 on a Comprehensive policy by a maximum of $3,500..

Unfortunately, insurance policies don't cover everything. Generally, CommBank will not pay your claim if it relates to:

• Unlawful, wreckless or unreasonably unsafe behaviour by you
• Behaviour while you were drunk or under the influence of drugs
• Non-medical claims related to COVID-19
• An act of war, invasion or revolution
• Insolvency of a travel agent , tour operator or accommodation provider
• Mandatory quarantines or isolations
• You being unfit to travel or travelling against medical advic
• Childbirth or pregnancy complications after the 24th week of gestation or if you have had previous pregnancy complications
• A multiple pregnancy or one where the conception was medically assisted
• An elective medical or dental treatment , cosmetic procedure or body modification (including tattoos or piercing)
• Self-inflicted injury or illness, suicide or attempted suicide

Make sure you review CommBank's PDS for a detailed breakdown of what won't be covered, found under its list of general exclusions .

You can claim online or via post. Start by downloading a claim form then either post it to following address below or follow the steps to submit online.

Commonwealth Bank Travel Insurance C/o Cover-More PO Box 2027 North Sydney NSW 2059 Australia

Alternatively, you can submit a claim online by following these steps:

• Head to https://claims.covermore.com.au/CBA/TravelClaims
• Download the claim form
• Fill in your details, describe the incident and provide expenses
• Email your form along with any supporting evidence to [email protected]. Alternatively you can post it to the address above.
• Once your claim has been received you will get a confirmation email and should hear back within 10 working days., and you should hear back within 10 working days

CommBank offers a decent range of travel insurance policies at a good price point. It has multiple options to tailor cover, so you can create a policy which matches most of your needs, including expensive items, riskier holiday activities, and pre-existing medical conditions.

However, it doesn't offer any cover for cancellations, amendments, or general expenses related to COVID-1, other than medical. Older travellers are also excluded, with an age limit of 69 - significantly lower than many other providers in the market.

How long do I have to make a travel insurance claim?

You have 60 days from your return date to submit your travel insurance claim. If you're still waiting on documentation to support your claim but worried you won't make the deadline, you can start the process and submit the additional documentation later.

Can I take out a policy with CommBank if I'm already overseas?

If you are a non-Australian resident travelling to Australia, you can take out Commbank's Inbound policy while overseas. However, Australian residents can't get travel insurance from CommBank while overseas. For other options, you can read our guide on Travel insurance for Australians already overseas .

What is the phone number for CommBank Travel Insurance?

Cover-More supplies CommBank Travel Insurance. You can contact Cover-More on 1300 467 951 if you're in Australia or +612 8907 5060 if you're outside of Australia.

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Nicola Middlemiss

Nicola Middlemiss is a contributing writer at Finder, with a special interest in personal finance and insurance. Formerly a business and finance journalist, Nicola has written thousands of articles helping Australians better understand insurance and grow their personal wealth. She has contributed to a wide range of publications, including Domain, the Educator, Financy, Fundraising and Philanthropy, Insurance Business, MoneyMag, Mortgage Professional, Yahoo Finance, Your Investment Property, and Wealth Professional. Nicola has a Tier 1 General Insurance (General Advice) certification and a Bachelor's degree from the University of Leeds.

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8 Responses

I am 80 and would like to travel to Mauritius. Does the Commonwealth Credit Card or Visa cover me for travelling to Mauritius. I noticed that Westpac age is up to 81 for travel insurance

There are several conditions and restrictions that apply to people aged 80 or over when considering credit card insurance through CommBank. These may include no cover for overseas emergency medical expenses or assistance.

You can find the full details of what you are and are not covered for by reviewing the Product Disclosure Statement on CommBank’s website.

For more travel insurance options, please have a look at our Travel insurance for seniors over 80s page.

Regards, James

Is it possible to add two adult children on insurance included with eligible CBA credit cards?

Thank you for getting in touch with finder.

Yes that is possible. As long as they are unmarried children, from 19 years of age up to and including 21 years of age, who are full-time students attending an accredited institution of higher learning in Australia and who the cardholder has/had sole or shared custody, and who are dependent upon the cardholder for their maintenance and financial support then they can be covered.

I suggest that you also check Commbank credit card travel insurance PDS or contact Commbank directly on this matter.

I hope this helps.

Please feel free to reach out to us if you have any other enquiries.

Thank you and have a wonderful day!

Cheers, Jeni

My husband has type 2 Diabetes. How do I get cover for him?

Hello Silvana,

Please feel free to read through our travel insurance for diabetics guide and learn more about how you can get the right policy for you. While looking for insurers, please make sure you read the terms and conditions of the policy to learn more and know if it is the right policy for you or not.

Hope this helps.

Cheers, Jonathan

I have a gold credit card and are entitled to travel insurance for an overseas trip.Going to Canada and Alaska in June this year: is a 8day cruise included in the insurance? Thanks for your prompt replay. Ursula

Thanks for your question.

Yes, the complimentary travel insurance covers cruising. But if you want to include the benefits provided in the Cruise Pack (which is detailed in the PDS I sent to your email), you will need to upgrade your policy, this is in addition, to cover provided in the Base International Travel Insurance and Activated Policy for cruising. Please contact Allianz Australia Insurance to upgrade.

Cheers, May

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Home > Travel Insurance > Commonwealth Bank Travel Insurance Review

Commonwealth Bank Travel Insurance Review

Learn more about Commonwealth Bank’s travel insurance policies to find out about their coverage and fees and compare them with other insurers today.  

Fact checked

As one of Australia’s ‘big four’ banks, the Commonwealth Bank of Australia (CBA) offers a range of travel insurance products for international or domestic travellers. The wide range of policies is issued and underwritten by Allianz, one of the world’s largest companies.

If you have your eye on any of CBA's travel insurance policies, be sure to compare them with Savvy to see how they compare to some of the alternatives on the market. You'll have the best chance of getting the ideal travel insurance policy for your holiday if you do a bit of simple homework.

Get a quote right away and learn more about CBA’s travel insurance plans when you compare with Savvy today.

*Please note that Savvy doesn’t represent Commonwealth Bank for its travel insurance products.

More about Commonwealth Bank travel insurance

What travel insurance policies does commonwealth bank offer.

Commonwealth Bank offers several travel insurance policies, both standalone and complimentary with their range of credit cards. These include:

• Comprehensive: for you and up to ten named travel companions, this comprehensive policy covers you for international medical, lost baggage and cancellation. This policy is available for both single and multiple visits, both inside Australia and abroad.
• Essentials: a basic insurance policy which covers you and up to ten others for international medical and other expenses. This policy, which includes cancellation coverage, is only available for single trips to and from Australia and other countries.
• Medical-Only: this policy only covers emergency medical costs, excluding pre-existing conditions, and some dental treatment for you and up to ten other named policyholders.
• Cancellation-Only: available only for single trips abroad, this policy covers you purely for cancellation of your trip due to a covered incident.
• Inbound Australia: if you’re a non-resident travelling outside of Australia, this inbound travel insurance policy will cover you for overseas medical expenses, hospital incidentals, cancellation and personal liability.
• Non-Medical: if you want to go without coverage for any medical expenses while you’re overseas, this CBA policy provides you with limited coverage for cancellation, loss or damage to your luggage and additional expenses.
• Annual Multi-Trip: if you go on several trips each year, CBA offers an annual multi-trip policy for frequent flyers. This provides cover for an unlimited number of trips, so long as they’re 250km away from your house. Your holiday must also include at least one night’s paid accommodation (such as a hotel, bed and breakfast, serviced apartment or Airbnb) if you’re travelling closer than that.

Before you buy your travel insurance, it’s important to compare your options with Savvy to make sure the policy you’re choosing is the one best suited to your trip, no matter whether you’re travelling to Sri Lanka or Sydney.

What optional extras are available through Commonwealth Bank?

CBA makes a few optional extras available to its travel insurance customers, including:

• Cruise cover: this add-on is available with CBA’s comprehensive, essential and medical-only policies at an extra cost. This cruise pack covers you if you need medical treatment abroad the ocean liner or need ship-to-shore evacuation. You’re also covered for emergency dental work, loss of damaged formal wear and cabin confinement.
• Snow sports cover: heading over to Switzerland or Falls Creek to carve up the slopes? CBA offers snow sports cover for those wanting to take part in some recreational skiing, snowboarding and tobogganing. This optional extra is available on CBA’s comprehensive, essential, medical-only and inbound policies and doesn’t cover you for racing.
• Adventure activities cover: CBA’s optional adventure activities plan covers you for bungy jumping, scuba diving, white water rafting, horse riding and jet boating while on your holiday.
• Motorcycle/moped riding cover: planning to explore your domestic or international destination on two wheels? CBA offers this add-on for those wanting to ride a motorcycle , moped or scooter on their holiday. Some exclusions apply, including if you have an accident and you’re not wearing a helmet or holding a valid license.
• Vehicle rental excess insurance cover: while this package is already included under CBA’s comprehensive international policy, you can add it to other policies, such as the domestic or non-medical policy, for a higher premium.

What exclusions should I be aware of when buying travel insurance through Commonwealth Bank?

Some of the general exclusions on CBA’s policies include:

• Theft of your belongings left in a car or unattended
• Breaking the law
• Travelling against the advice of your doctor
• Intentionally harming yourself or attempting suicide
• Not obtaining relevant travel documents, such as a visa, ESTA or a valid passport
• Travelling to a country or region against government warnings
• Treatment for unapproved pre-existing medical conditions, such as types of diabetes

If you’ve found a travel insurance policy that draws your eye, make sure you review the Product Disclosure Statement (PDS) before you set your decision in stone.

What we think of Commonwealth Bank travel insurance

What we like, complimentary with credit cards.

If you’ve got a Low Fee Gold, Low Rate Gold, Gold Awards, Platinum, Diamond Awards or Ultimate Awards credit or Visa debit card, you can get international travel insurance for free by using your card to book some pre-paid expenses.

Plenty of options

CBA gives you plenty of options when it comes to policies, with about six standalone options and a handful of optional extras to choose from.

Overseas rent cover

One of the rarer benefits CBA offers is overseas rent. This comprehensive travel insurance benefit allows you to claim up to $5, 000 if you can't return to work due to disabling injury, illness or disease.

What we don't like

Limited covid-19-related coverage.

Commonwealth Bank is one of the few travel insurance providers who don’t offer coverage cancellation or additional expenses due to COVID-19.

Reduced personal liability

CBA’s personal liability insurance is less comprehensive than some of its rivals. They offer between $1. 5 million and $2. 5 million, but other insurers offer between $5 million and $10 million.

Shorter cooling-off periods

While a 14-day cooling-off period may be ample, many other travel insurance providers offer up to 25 days if you need to cancel for any reason.

Types of travel insurance

International.

International travel insurance can offer cover for a range of events, including medical expenses, lost luggage or items, cancellation fees and more when you're overseas and a long way from home.

If you're journeying within Australia, domestic policies are designed to offer many of the same protections as international travel insurance (with the exception of medical expenses).

Single trip

The most standard and common type of travel insurance, this policy can cover you for one trip starting and ending in Australia (and is available for both international and domestic travel).

Annual multi-trip

As the name suggests, this type of travel insurance covers multiple trips over a 12-month period. Depending on your insurer, you may be able to take an unlimited number of trips up to 90 days each.

You don't have to have a return ticket booked to take out cover while you're overseas. One-way travel insurance enables you to access cover without a set end date, such as if you're moving temporarily.

You may need to take out specialist coverage if you're setting sail on a cruise. Fortunately, cruise insurance can cover emergency evacuation, cabin confinement and more.

Just because you're older doesn't mean travel insurance isn't still important. If you qualify for cover, seniors' travel insurance can offer greater peace of mind for included events while you're travelling.

Adding winter sports or ski cover to your policy can add protection against damage to your equipment, piste closure due to bad weather and activities such as back-country skiing, heliskiing and more.

Adventure sports

Looking to enjoy some adventure sports on holiday? An adventure sports pack can grant you cover for a range of activities, such as hiking, scuba diving and motorcycle or scooter riding.

Jetsetting with the whole clan in tow? Some insurers offer family travel insurance, which enables you to include yourself, your partner and your dependent children under one policy to help you save.

If you're travelling interstate or overseas with your partner (or simply another friend or family member), you may be able to access a discount by taking out a joint or duo travel insurance policy.

Why compare travel insurance with Savvy?

Reputable insurance partners, fast and convenient online process.

You can complete the quote, comparison and purchase process online through Savvy quickly and easily.

Competitive quote costs

Regardless of the type of insurance you’re looking for, we can help you compare between competitive quotes.

Frequently asked questions about Commonwealth Bank travel insurance

Making a claim through CBA is relatively straightforward as the bank allows you to do it online. If you need to make a claim, follow these steps:

• Phone your insurance agent as soon as possible
• Provide ample details about the claimable incident
• Gather your supporting documents, including receipts, medical reports, valuations or proof of purchase documents
• Submit your claim

  It can take up to ten working days for CBA to process your claim. That’s why if you’re asked to clarify certain parts of your claim, it’s best to respond promptly so it doesn’t hold up the process.

There’s no one ballpark price of travel insurance , as there are several factors which affect how much you’ll pay for a policy, including:

• Destination
• Level of coverage
• Optional extras you choose
• Pre-existing medical conditions
• Chosen policy excess
• Type of insurer and insurance policy you purchase

If you get injured or fall sick while travelling and give birth, CBA will provide coverage up until the 24th week of your pregnancy. However, pregnant travellers who have had prior pregnancies with problems, are travelling for fertility treatment, or must pay for their new baby's care do not have coverage.

Unlike annual multi-trip policies, which cover many travels throughout the year, single-trip insurance only covers one trip. When it is covered by an annual multi-trip policy, like those offered by CBA, a trip can last up to 45 days. On the other hand, vacations taken without a confirmed return flight are covered by one-way travel insurance plans. These policies often allow you to select to extend your coverage for an additional year.

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Disclaimer: We do not compare all travel insurance brands currently operating in the market. Any advice presented above or on other pages is general in nature and does not consider your personal or business objectives, needs or finances. It’s always important to consider whether advice is suitable for you before purchasing an insurance policy.

Savvy earns a commission from our partners each time a customer buys a travel insurance policy via our website. We don’t arrange for products to be purchased from these brands directly, as all purchases are conducted via their websites.

Before purchasing your policy, we recommend you refer to the provider’s PDS for any further information on the terms, inclusions and exclusions.

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CBA Travel Insurance

Important information on terms, conditions and sub-limits.

Are you looking at choosing CommInsure for your travel insurance? We’ve combed the fine-print to answer your questions about CommInsure, their travel insurance plans, any important exclusions, and which policy add-ons you might need, so you can make a more informed decision.

CommInsure is a general insurer that provides travel insurance, as part of the Commonwealth Bank Group. Among their insurance categories are health insurance, car insurance, life insurance, and income protection. CommInsure is underwritten by the Hollard Group.

CommInsure travel insurance policies

Currently, CommInsure offers domestic travel insurance and international travel insurance . They provide a range of international cover options, including Comprehensive, Essentials, Medical Only, Non-Medical, and Cancellation Only packages. With each tier of cover, your premium will change, including what you’re covered for and the relevant cover limits.

Check out the data table below to see an overview of the kinds of plans CommInsure offers.

Limits shown apply

Covid medical cover

Covid cancellation cover

Overseas emergency hospital expense

Overseas emergency medical assistance

Maximum excess

Cancellation fees

Pay extra for no excess

Luggage and personal effects

Additional accomodation & travel

Emergency companion

Resumption of journey

Hospital cash allowance

Accidental death

Permanent disability

Loss of income

Credit Card fraud and replacement

Travellers cheques

Travel documents

Rental vehicle excess

Alternative travel expenses

Personal liability

Pre existing conditions

Cardiovascular disease

Mental health illness

High cholesterol

High blood pressure

Blood thinning medication

Activities covered

Bungee jumping

Conservation work

Mountain biking

Mountaineering

Rock climbing

Scuba diving

Snow sports

Ocean Cruise

Comprehensive

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Any information provided on this page should be considered a summary and general advice only. All information should be verified before purchase via the relevant Product Disclosure Statement (PDS).

What is included in a CommInsure international travel insurance policy? 

CommInsure offers a single-trip international policy and an international multi-trip insurance policy on their Comprehensive plan. However, only single-trip is available on their Essentials, Medical Only, Non-Medical, and Cancellation Only plans. They also offer multi-trip domestic travel insurance. 

But remember: check Mozo’s data fields or the CommInsure product disclosure statement (PDS) for details on pay-out limits and general exclusions for specific parts of their travel insurance policy across the range.

Here’s what you can expect from the international Essentials policy:

Emergency overseas medical and dental expenses

Overseas rent

Additional expenses related to your health and non-travellers

Amendment or cancellation costs

Prepaid festival or gig cover so that you get there on time 

Personal luggage and travel documents

If you opt for the Comprehensive tier of coverage, you can also expect the following insurance cover on top of what’s listed under the Essentials plan:

Hospital incidentals

Travel delay expenses

Special events cover (like weddings and funerals)

Delayed luggage allowance

Personal money cover 

Rental vehicle insurance excess cover 

Accidental death and disability

CommInsure’s Medical Only policy will cover you for:

CommInsure’s Cancellation Only policy will cover you for:

CommInsure’s Non-Medical policy will cover you for:

Additional expenses

Travel delays

Special events

Festivals and gigs

Luggage and travel documents

Luggage delay expenses

Personal money

Rental vehicle insurance excess 

Does CommInsure travel insurance have COVID-19 cover?

No, a CommInsure travel insurance policy does not cover COVID-19 related claims.

What other optional extras can I add to my CommInsure policy?

They offer a few extras which you can add to your policy, if you need to tailor your insurance to cover the kinds of activities you’ll be participating in, or the purpose of your trip. These include, increased luggage item limits, an adventure activities pack, motorcycle and moped riding cover, snow sports cover, and rental vehicle insurance excess increase. These add-ons will increase the premium you pay, but without them you may not be covered for anything that happens related to these sorts of activities. Always be sure to check out the PDS to find details regarding limits on cover amounts and general exclusions.

Snow sports cover

Snow insurance cover is vital if you’re hitting the ski fields. CommInsure offers two versions of their snow insurance cover: Snow Sports and Snow Sports+. These are not available on Cancellation Only or Non-Medical policy options.

The standard snow insurance, Snow Sports, includes coverage for:

On-piste skiing

On-piste snowboarding

On-piste cross-country skiing

On-piste snowmobiling

However, they won’t cover you if you are competing in a professional capacity, or if you’re racing.

One level up, Snow Sports+ will include coverage for:

Off-piste skiing

Off-piste snowboarding

Off-piste cross-country skiing

Off-piste snowmobiling

Heli-skiing (only on a guided tour with a licensed tour operator)

Once again, you won’t be covered if you’re competing in a professional capacity or racing, and you won’t be covered if you’re going off-piste against local advice or warnings. 

An important thing to note is that when it comes to snow sports, you won’t be covered under the personal liability benefit of your policy. This means that if you are responsible for costs associated with damage to vehicles or property, or another person’s injury, while participating in snow sports, then your insurance will not cover you for personal liability.

Cruise cover

If you are travelling two or more nights on a cruise ship, then you may need cruise travel insurance for any cover related to that portion of your journey. However, if you’re not leaving Australian waters (e.g. you’re cruising the Murray River, or doing the Kimberly Cruise) then you won’t need to add cruise insurance to your policy.

Cruise cover includes:

Cancellation of your cruise 

On-board medical and dental cover

Ship to shore medical cover 

Sea sickness cover

Cabin confinement (if you’re unwell) 

Missed port

Missed shore excursions 

Formal wear

Marine rescue diversion

Unfortunately, COVID-19 is not covered if you’re on a multi-night cruise, meaning that you could be liable for any medical expenses if you contract the virus. 

Adventure activities cover

Arguably, the most important part of travelling is the experiences you have. With CommInsure, there are many activities automatically included across all policy plans. But for those who are a little more adventurous, some activities require you to purchase the Adventure and Adventure+ optional add-ons. 

If you’re planning on participating in adventure activities, then you may want to add this optional-extra to your CommInsure policy. But note, if you’re engaging in these activities in a professional capacity, you may not receive the benefits of your policy on any claims you make. 

CommInsure automatically covers activities such as:

Scuba diving (max depth 30m)

White water rafting

Working holidays

You will need the Adventure add-on if you plan on participating in activities like:

Closed circuit triathlons

Outdoor rock climbing (with ropes and/or guides, or bolted) less than 2,000 metres above sea level

Scuba diving (between depths of 30 to 50m, with an accredited instructor)

You will need the Adventure+ add-on if you plan on participating in activities like:

Parachuting or skydiving (not including BASE jumping)

Trekking Everest base camp (fully organised tours only)

Trekking the Kokoda Track

If you think you might be participating in an activity that is particularly risky, then it’s always best to double-check the PDS, in case your activity isn’t covered, or if there are conditions.

Motorcycle and moped riding cover

If you plan on riding a motorcycle or moped on your trip, then purchasing extra cover for these activities can cover you in case something goes wrong. You have two cover levels for this sort of activity: Motorcycle/Moped Riding cover or Motorcycle/Moped Riding+ cover. 

The engine capacity of your motorcycle or moped is capped at 200cc if you go with the Motorcycle/Moped Riding policy add-on. You will only receive cover if:

You hold a valid Australian motorcycle or moped licence 

If you’re the passenger, the driver holds a valid Australian motorcycle or moped licence 

You are wearing a helmet

You’re not participating in a professional capacity

You’re not racing

You’re not participating in motocross

On the Motorcycle/Moped Riding+ cover level, your engine capacity is unlimited. You will only receive cover if:

The motorcycle/moped is hired

You have held an Australian motorcycle rider’s licence for the last 5 years

You currently hold a valid Australian motorcycle rider’s licence

You are a registered owner of a motorcycle/moped in Australia with an engine capacity equal to or less than the hired motorcycle/moped 

An important thing to note is that when it comes to motorcycle and moped riding, you won’t be covered under the personal liability benefit of your policy. This means that if you are responsible for costs associated with damage to vehicles or property, or another person’s injury, while participating in motorcycle and moped riding, then your insurance will not cover you for personal liability.

Are pre-existing medical conditions covered under CommInsure’s travel insurance?

CommInsure provides cover for travelling with pre-existing conditions , however they must be approved after completing a medical health assessment. 

There are some pre-existing conditions which are automatically covered under CommInsure’s policies, but they may have additional criteria relating to your eligibility for cover. These include:

Bell’s Palsy

Coeliac disease

Hip, knee, and shoulder replacements 

If your pre-existing condition isn’t listed among the automatically covered ones, then you may still be able to apply to cover them. This includes automatically included conditions for which you do not meet the eligibility requirements. To get your pre-existing condition covered, you can complete an online health assessment through CommInsure.

What exclusions are there to look out for in a CommInsure travel insurance policy? 

Unless you have already had your pre-existing medical condition approved for coverage with CommInsure, they will not cover you for claims related to a pre-existing medical condition. This includes trip cancellations prior to departure due to your medical condition, and medical expenses incurred. 

If the country you are travelling to, or choose to remain in, has a ‘Do Not Travel’ warning issued by the Australian government’s Smartraveller website, then you will not be covered under CommInsure’s policies regarding any COVID-19 claims. 

A brief list of general exclusions also include claims relating to:

Deliberately putting yourself, or if any covered person puts themself, in danger

Not taking reasonable care to protect your belongings in the case that they are stolen

The consumption of alcohol or drugs 

Biological or chemical warfare 

The use of a motor vehicle by an unlicensed driver, or not following local safety laws

Any involvement in illegal acts

Always make sure to check the PDS for details relating to general exclusions.

What do I do if there’s an emergency during my trip? 

If there’s an emergency during your overseas trip, call CommInsure on their emergency assistance line. Depending on where you’re calling from, the number will vary. See below for the numbers you can call, toll free. 

USA: 1844 345 1662 

Canada: 1844 345 1662 

UK:   0808 234 3737 

NZ:   0800 632 031

Other countries: +61 2 8907 5641

Fax: +61 2 9055 3303

The emergency assistance line is available 24/7 if you need it. CommInsure’s team will be able to help you out with things like finding medical facilities and emergency hospital expenses, among other things. When you call, make sure you have your policy number and a phone number which they can call you back on if need be.

How do I make a claim with CommInsure travel insurance? 

You can submit your claim online at www.commbank.com.au/cbatravelclaims . To register a claim with CommInsure, you will need to have all the relevant documentation to support your claim, like receipts for valuables, or invoices from hospitals and doctors if you incurred medical costs.

Follow the prompts and complete the checklist, then upload your scanned documents to their claims portal. 

You can also post your supporting documents to CommInsure, if need be. Make sure to make copies of the originals though, in case they get lost along the way. CommInsure’s postal address is:

Commonwealth Bank Travel Insurance

C/o Cover-More

PO Box 2027

North Sydney NSW 2059

Is it possible to cancel my CommInsure travel insurance policy?

You can cancel your policy and receive a full-refund within 21 days of purchasing it, provided you haven’t started your journey or intend to make a claim.

CBA customer reviews

Cba travel insurance.

Overall 4.0

Value for money

Policy coverage

Customer service

Claims handling

Recent CBA travel insurance customer reviews Recent CBA travel insurance customer reviews

CBA Travel Insurance review

Overall rating   6 / 10

Very happy with Commins.

I have had my home insurance with Commins for over 20 years. They have been very professional, and always helpful to assist in any of my enquiries. Also, it is always a pleasant experience to be talking to someone who works in Australia and...

Full review

I have had my home insurance with Commins for over 20 years. They have been very professional, and always helpful to assist in any of my enquiries. Also, it is always a pleasant experience to be talking to someone who works in Australia and can understand you and your query as they speak good English and not someone from overseas. Commins would back me back and also send an email with a follow up after my first call. If I wanted to talk to a consultant in person, I can go into a CBA bank as their are a few Commonwealth banks near by to do so at. I would recommend Commins to anyone. Thank you for your time.

Value for money   8 / 10

Customer service   5 / 10

Claims handling   6 / 10

Trust   5 / 10

Aranka, Victoria, reviewed over 2 years ago

Overall rating   2 / 10

Bad after sales service

Have been waiting for my claim to get approved since Christmas day 26/12/19. I choose their builder to perform the works. They informed me 3 days ago that their builder cant do the job and i need to find one. These delays are effecting my health...

Have been waiting for my claim to get approved since Christmas day 26/12/19. I choose their builder to perform the works. They informed me 3 days ago that their builder cant do the job and i need to find one. These delays are effecting my health as i need to move around hotels as im 85 years old and coronavirus is on. They did not care about my health risk with this pandemic

Value for money   2 / 10

Policy coverage   4 / 10

Customer service   1 / 10

Claims handling   2 / 10

Trust   3 / 10

Stylianos, New South Wales, reviewed over 3 years ago

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Entry Requirements & COVID-19 Travel Resources 

Confused about entry requirements for your destination? Our  interactive map shows current travel rules and restrictions for each destination, including info on COVID-19 testing, necessary travel documents and quarantine periods.

Find out how our  Epidemic Coverage Endorsement can protect your next trip from certain losses related to COVID-19.

Why do I need travel insurance?

Because sometimes..., you have to cancel a trip last-minute..

Travel insurance can reimburse you for your prepaid, non-refundable trip costs — including vacation rentals, car rentals, hotels and flights — if you have to cancel for a covered reason.

Travel delays leave you stranded.

Travel insurance can reimburse you for eligible meals, accommodation and transportation expenses during a covered delay.

You get sick or hurt when you're far from home.

Travel insurance can reimburse you for care following a covered medical emergency while traveling. We can even arrange and pay for a medical evacuation if needed.

Fender-benders are unavoidable.

Renting a car means taking on a big financial risk; even a tiny scrape can cost you hundreds. Low-priced rental car insurance lets you drive worry-free.

You need help in a hurry.

Whether you're planning a week-long road trip or a weekend getaway, you never know what might happen. Travel insurance gives you access to our 24-Hour Assistance hotline for expert, personalized support in a crisis.

Why go with Allianz Travel Insurance?

As a world leader in travel protection, we help more than 70 million people answer the call of adventure with confidence every year.

We're Protecting You

From protection for trip cancellation to medical bills abroad, our benefits are designed to help you explore reassured.

We're There For You

We've got your back with award-winning 24/7 assistance and a worldwide network of prescreened hospitals to help you get the right care.

We're Built For You

From our Allyz ® TravelSmart app to proactive SmartBenefits, we innovate for the way you travel today - and tomorrow.

TRAVEL RESOURCES

How Travel Insurance Works

How the Cancel Anytime Upgrade Works

What Does Rental Car Insurance Cover?

Is It Too Late to Buy Travel Insurance?

The Comprehensive Guide to Annual Travel Insurance

5 Ways the Allyz ®  TravelSmart App Can Help During Winter Travels

Travel Insurance with Emergency Medical Benefits

Destination Guide: Croatia

Travel Insurance & COVID-19: The Epidemic Coverage Endorsement Explained

More Travel Resources »

LATEST COVERAGE ALERTS

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Terms, conditions, and exclusions apply. Please see your plan for full details. Benefits/Coverage may vary by state, and sublimits may apply.

Insurance benefits underwritten by BCS Insurance Company (OH, Administrative Office: 2 Mid America Plaza, Suite 200, Oakbrook Terrace, IL 60181), rated “A” (Excellent) by A.M. Best Co., under BCS Form No. 52.201 series or 52.401 series, or Jefferson Insurance Company (NY, Administrative Office: 9950 Mayland Drive, Richmond, VA 23233), rated “A+” (Superior) by A.M. Best Co., under Jefferson Form No. 101-C series or 101-P series, depending on your state of residence and plan chosen. A+ (Superior) and A (Excellent) are the 2nd and 3rd highest, respectively, of A.M. Best's 13 Financial Strength Ratings. Plans only available to U.S. residents and may not be available in all jurisdictions. Allianz Global Assistance and Allianz Travel Insurance are marks of AGA Service Company dba Allianz Global Assistance or its affiliates. Allianz Travel Insurance products are distributed by Allianz Global Assistance, the licensed producer and administrator of these plans and an affiliate of Jefferson Insurance Company. The insured shall not receive any special benefit or advantage due to the affiliation between AGA Service Company and Jefferson Insurance Company. Plans include insurance benefits and assistance services. Any Non-Insurance Assistance services purchased are provided through AGA Service Company. Except as expressly provided under your plan, you are responsible for charges you incur from third parties. Contact AGA Service Company at  800-284-8300 or 9950 Mayland Drive, Richmond, VA 23233 or [email protected] .

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Key benefits of travel medical insurance

• Travel medical insurance coverage
• Who needs medical travel insurance?

Choosing the right travel medical insurance

How to use travel medical insurance, is travel medical insurance right for your next trip, travel medical insurance: essential coverage for health and safety abroad.

Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate insurance products to write unbiased product reviews.

• Travel medical insurance covers unexpected emergency medical expenses while traveling.
• Travelers off to foreign countries or remote areas should strongly consider travel medical insurance.
• If you have to use your travel medical insurance, keep all documents related to your treatment.

Of all the delights associated with travel to far-flung locales, getting sick or injured while away from home is low on the savvy traveler's list. Beyond gut-wrenching anxiety, seeking medical treatment in a foreign country can be exceedingly inconvenient and expensive.

The peace of mind that comes with travel insurance for the many things that could ail you while abroad is priceless. As options for travel-related insurance abound, it's essential to research, read the fine print, and act according to the specifics of your itinerary, pocketbook, and other needs.

Travel insurance reimburses you for any unexpected medical expenses incurred while traveling. On domestic trips, travel medical insurance usually take a backseat to your health insurance. However, when traveling to a foreign country, where your primary health insurance can't cover you, travel medical insurance takes the wheel. This can be especially helpful in countries with high medical care costs, such as Scandinavian countries.

Emergency medical evacuation insurance

Another benefit that often comes with travel medical insurance, emergency medical evacuation insurance covers you for any costs to transport you to an adequately equipped medical center. Emergency medical evacuation insurance is often paired with repatriation insurance, which covers costs associated with returning your remains to your home country if the worst happens. 

These benefits are for worst-case scenarios, but they might be more necessary depending on the type of trips you take. Emergency medical evacuation insurance is helpful if you're planning on traveling to a remote location or if you're traveling on a cruise as sea to land evacuations can be costly. Some of the best travel insurance companies also offer non-medical evacuations as part of an adventure sports insurance package.

It's also worth mentioning that emergency medical evacuation insurance is required for international students studying in the US on a J Visa. 

Types of coverage offered by travel medical insurance

The exact terms of your coverage will vary depending on your insurer, but you can expect most travel medical insurance policies to offer the following coverages.

• Hospital room and board
• Inpatient/outpatient hospital services
• Prescription Drugs
• COVID-19 treatment
• Emergency room services
• Urgent care visits
• Local ambulance
• Acute onset of pre-existing conditions
• Dental coverage (accident/sudden relief of pain)
• Medical care due to terrorist attack
• Emergency medical evacuation 
• Repatriation of mortal remains
• Accidental death and dismemberment

Travel medical insurance and pre-existing conditions

Many travel insurance providers will cover pre-existing conditions as long as certain conditions are met. For one, travelers need to purchase their travel insurance within a certain time frame from when they placed a deposit on their trip, usually two to three weeks. 

Additionally, travel insurance companies usually only cover stable medical conditions, which are conditions that don't need additional medical treatment, diagnosis, or medications.

Who needs travel medical insurance?

Even the best-laid travel plans can go awry. As such, it pays to consider your potential healthcare needs before taking off, even if you are generally healthy. Even if well-managed, preexisting conditions like diabetes or asthma can make a medical backup plan even more vital.

Having what you need to refill prescriptions or get other care if you get stuck somewhere other than home could be essential to your health and well-being. That's without counting all the accidents and illnesses that can hit us when away from home.

Individuals traveling for extended periods (more than six months) or engaging in high-risk activities (think scuba diving or parasailing) should also consider a solid medical travel plan. Both scenarios increase the likelihood that medical attention, whether routine or emergency, could be needed.

In the case of travel via the friendly seas, it's also worth considering cruise trip medical travel insurance . Routine care will be available onboard. But anything beyond that will require transportation to the nearest land mass (and could quickly become extremely expensive, especially if you're in another country).

Like other types of insurance, medical travel insurance rates are calculated based on various factors. Failing to disclose a preexisting health condition could result in a lapse of coverage right when you need it, as insurers can cancel your policy if you withhold material information. So honesty is always the best policy.

Even the best-laid travel plans can go awry. As such, it pays to consider your potential healthcare needs before taking off, even if you are generally healthy. Making the right choice when shopping for travel medical insurance can mean the difference between a minor hiccup in your travels and a financial nightmare. 

When a travel insurance company comes up with a quote for your policy, they take a few factors into consideration, such as your age, your destination, and the duration of your trip. You should do the same when assessing a travel insurance company. 

For example, older travelers who are more susceptible to injury may benefit from travel medical insurance (though your premiums will be higher). If you're traveling for extended periods throughout one calendar year, you should look into an annual travel medical insurance plan . If you're engaging in high-risk activities (think scuba diving or parasailing), you should seek a plan that includes coverage for injuries sustained in adventure sports.

Travel medical insurance isn't just for peace of mind. If you travel often enough, there's a good chance you'll eventually experience an incident where medical treatment is necessary.

Before you submit your claim, you should take some time to understand your policy. Your travel medical insurance is either primary (you can submit claims directly to your travel medical insurance provider) or secondary (you must first submit claims to your primary insurance provider). In the case of secondary travel medical insurance, a refusal notice from your primary insurance provider, even if it does not cover medical claims outside the US, is often required as evidence of protocol.

On that note, you should be sure to document every step of your medical treatment. You should keep any receipts for filled prescriptions, hospital bills, and anything else documenting your medical emergency.

As many people have found out the hard way, reading the fine print is vital. Most travel insurance policies will reimburse your prepaid, nonrefundable expenses if you fall ill with a severe condition, including illnesses like COVID-19. 

Still on the fence about whether or not medical travel insurance is worth it ? It's worth noting that many travel insurance plans also include medical protections, so you can also protect against trip cancellations and other unexpected developments while obtaining travel medical insurance.

While short, domestic trips may not warrant travel medical insurance, it may be a good idea to insure longer, international trips. You should also consider travel medical insurance for trips to remote areas, where a medical evacuation may be expensive, and more physically tasking trips.

While shopping for travel medical insurance may not be fun, a little advance leg work can let you relax on your trip and give you peace of mind. After all, that is the point of a vacation. 

Medical travel insurance frequently asked questions

Trip insurance covers any unexpected financial losses while traveling, such as the cost of replacing lost luggage, trip interruptions, and unexpected medical expenses. Travel medical insurance just covers those medical expenses without the trip interruption or cancellation insurance.

Travel insurance companies usually offer adventure sports as add-on coverage or a separate plan entirely. You'll likely pay more for a policy with adventure sports coverage. 

Many travel medical insurance policies now include coverage for COVID-19 related medical expenses and treat it like any other illness. However, you should double-check your policy to ensure that is the case.

Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. Read our editorial standards .

Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.

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WorldTrips is the best cheap travel insurance company of 2024 based on our in-depth analysis of the cheapest travel insurance plans. Its Atlas Journey Preferred and Atlas Journey Premier plans offer affordable travel insurance with high limits for emergency medical and evacuation benefits bundled with good coverage for trip delays, travel inconvenience and missed connections.

Cheapest travel insurance of 2024

Why trust our travel insurance experts

Our team of travel insurance experts analyzes hundreds of insurance products and thousands of data points to help you find the best travel insurance for your next trip. We use a data-driven methodology to determine each rating. Advertisers do not influence our editorial content . You can read more about our methodology below.

• 1,855 coverage details evaluated.
• 567 rates reviewed.
• 5 levels of fact-checking.

Best cheap travel insurance

Top-scoring plans

Average cost, medical limit per person, medical evacuation limit per person, why it’s the best.

WorldTrips tops our rating of the cheapest travel insurance with two plans:

• Atlas Journey Preferred is the cheaper travel insurance plan of the two, with $100,000 per person in emergency medical benefits as secondary coverage and an optional upgrade to primary coverage. It’s also our pick for the best travel insurance for cruises .
• Atlas Journey Premier costs a little more but gives you $150,000 in travel medical insurance with primary coverage . This is a good option if health insurance for international travel is a priority.

Pros and cons

• Atlas Journey Preferred is the cheapest of our 5-star travel insurance plans.
• Atlas Journey Premier offers $150,000 in primary medical coverage.
• Both plans have top-notch $1 million per person in medical evacuation coverage.
• Each plan offers travel inconvenience coverage of $750 per person.
• 12 optional upgrades, including destination wedding and rental car damage and theft.
• No non-medical evacuation coverage.

Cheap travel insurance for cruises

Travel insured.

Top-scoring plan

Travel Insured offers cheap travel insurance for cruises and its Worldwide Trip Protector plan gets 4 stars in our rating of the best cruise travel insurance .

• Worldwide Trip Protector offers $1 million in emergency evacuation coverage per person and a rare $150,000 in non-medical evacuation per person. It also has primary coverage for travel medical insurance benefits, which means you won’t have to file medical claims with your health insurance first.
• Cheap trip insurance for cruises.
• Offers a rare $150,000 for non-medical evacuation.
• $500 per person baggage delay benefit only requires a 3-hour delay.
• Optional rental car damage benefit up to $50,000.
• Missed connection benefit of $500 per person only available for cruises and tours.

Best cheap travel insurance for families

Travelex has the best cheap travel insurance for families because kids age 17 are covered by your policy for free when they’re traveling with you.

• Free coverage for children 17 and under on the same policy.
• $2,000 travel delay coverage per person ($250 per day) after 5 hours.
• Hurricane and weather coverage after a common carrier delay of any amount of time.
• Only $50,000 per person emergency medical coverage.
• Baggage delay coverage is only $200 and requires a 12-hour delay.

Best cheap travel insurance for seniors

Evacuation limit per person

Nationwide has the best cheap travel insurance for seniors — its Prime plan gets 4 stars in our best senior travel insurance rating. However, Nationwide’s Cruise Choice plan ranks higher in our best cheap travel insurance rating.

• Cruise Choice has a $500 per person benefit if a cruise itinerary change causes you to miss a prepaid excursion. It also has a missed connections benefit of $1,500 per person after only a 3-hour delay, for cruises or tours. But note that this coverage is secondary coverage to any compensation provided by a common carrier.
• Coverage for cruise itinerary changes, ship-based mechanical breakdowns and covered shipboard service disruptions.
• Non-medical evacuation benefit of $25,000 per person.
• Baggage loss benefits of $2,500 per person.
• Travel medical coverage is secondary.
• Trip cancellation benefit for losing your job requires three years of continuous employment.
• No “cancel for any reason” (CFAR) upgrade available.
• Missed connection coverage of $1,500 per person is only for tours and cruises, after a 3-hour delay.

Best cheap travel insurance for add-on options

AIG offers the best cheap travel insurance for add-on options because the Travel Guard Preferred plan allows you to customize your policy with a host of optional upgrades.

• Travel Guard Preferred upgrades include “cancel for any reason” (CFAR) coverage , rental vehicle damage coverage and bundles that offer additional benefits for adventure sports, travel inconvenience, quarantine, pets, security and weddings. There’s also a medical bundle that increases the travel medical benefit to $100,000 and emergency evacuation to $1 million.
• Bundle upgrades allow you to customize your affordable travel insurance policy.
• Emergency medical and evacuation limits can be doubled with optional upgrade.
• Base travel insurance policy has relatively low medical limits.
• $300 baggage delay benefit requires a 12-hour delay.
• Optional CFAR upgrade only reimburses up to 50% of trip cost.

Best cheap travel insurance for missed connections

TravelSafe has the best cheap travel insurance for missed connections because coverage is not limited to cruises and tours, as it is with many policies.

• Best-in-class $2,500 per person in missed connection coverage.
• $1 million per person in medical evacuation and $25,000 in non-medical evacuation coverage.
• Generous $2,500 per person baggage and personal items loss benefit.
• Most expensive of the best cheap travel insurance plans.
• No “interruption for any reason” coverage available.
• Weak baggage delay coverage of $250 per person after 12 hours.

Cheapest travel insurance comparison

How much does the cheapest travel insurance cost?

The cheapest travel insurance in our rating is $334. This is for a WorldTrips Atlas Journey Preferred travel insurance plan, based on the average of seven quotes for travelers of various ages to international destinations with a range of trip values.  

Factors that determine travel insurance cost

There are several factors that determine the cost of travel insurance, including:

• Age and number of travelers being insured.
• Trip length.
• Total trip cost.
• The travel insurance plan you choose.
• The travel insurance company.
• Any add-ons, features or upgraded benefits you include in the travel insurance plan.

Expert tip: “In general, travelers can expect to pay anywhere from 4% to 10% of their total prepaid, non-refundable trip costs,” said Suzanne Morrow, CEO of InsureMyTrip.

Is buying the cheapest travel insurance a good idea?

Choosing cheaper travel insurance without paying attention to what a plan covers and excludes could leave you underinsured for your trip. Comparing travel insurance plans side-by-side can help ensure you get enough coverage to protect yourself financially in an emergency for the best price. 

For example, compare these two Travelex travel insurance plans:

• Travel Basic is cheaper but it only provides up to $15,000 for emergency medical expense coverage. You’ll also have to pay extra for coverage for children.
• Travel Select will cost you a bit more but it covers up to $50,000 in medical expenses and includes coverage for kids aged 17 and younger traveling with you. It also offers upgrades such additional medical coverage, “cancel for any reason” (CFAR) coverage and an adventure sports rider that may be a good fit for your trip.

Reasons to consider paying more for travel insurance 

Make sure you understand what you’re giving up if you buy the cheapest travel insurance. Here are a few reasons you may consider paying a little extra for better coverage. 

• Emergency medical. The best travel medical insurance offers primary coverage for emergency medical benefits. Travel insurance with primary coverage can cost more than secondary coverage but will save you from having to file a claim with your health insurance company before filing a travel insurance claim.
• Emergency evacuation. If you’re traveling to a remote location or planning a boat excursion on your trip, look at travel insurance with a high medical evacuation insurance limit. If you are injured while traveling, transportation to the nearest adequate medical facility could cost in the tens to hundreds of thousands. It may make sense to pay more for travel insurance with robust emergency evacuation coverage. 
• Flexibility. To maximize your trip flexibility, you might consider upgrading your travel insurance to “ cancel for any reason” (CFAR) coverage . This will increase the cost of your travel insurance but allow you to cancel your trip for any reason — not just those listed in your policy. The catch is that you’ll need to cancel at least 48 hours before your trip and will only be reimbursed 50% or 75% of your trip expenses, depending on the plan. 
• Upgrades. Many travel insurance plans have optional extras like car rental collision and adventure sports (which may otherwise be excluded from coverage). These will cost you extra but may give you the coverage you need. 

How to find the cheapest travel insurance

The best way to find the cheapest travel insurance is to determine what you’re looking for in a travel insurance policy and compare plans that meet your needs.

 “Travel insurance isn’t one-size-fits-all. Every trip is different, and every traveler has different needs, wants and concerns. This is why comparison is key,” said Morrow.

Consider the following factors when comparing cheap travel insurance plans.

• How often you’re traveling. A single-trip policy may be the most cost-effective if you’re only going on a single trip this year. But a multi-trip travel insurance plan may be cheaper if you’re going on multiple international trips throughout the year. Annual travel insurance policies cover you for a whole year as long as each trip doesn’t exceed a certain number of days, usually 30 to 90 days. 
• Credit card has travel insurance benefits. The best credit cards offer perks and benefits, and many offer travel insurance-specific benefits. The coverage types and benefit limits can vary, and you must put the entire trip cost on the credit card to use the coverage. If your trip costs more than the coverage limit on your card, you can supplement the rest with a cheaper travel insurance plan.
• The coverage you need. When looking for the best travel insurance option at the most affordable price, only buy extras and upgrades you really need. A basic plan may only provide up to $500 in baggage insurance, but if you only plan to take $300 worth of clothes and accessories, you don’t need to pay more for higher coverage limits.

Is cheap travel insurance worth it?

Cheap travel insurance can be worth it, as long as you understand the plan limitations and exclusions. Taking the time to read your policy, especially the fine print, well before your trip can ensure there won’t be any surprises about what’s covered once your journey begins.

“If a traveler is looking for coverage for travel delays, cancellations, interruptions, medical and baggage — a comprehensive travel insurance policy will provide the most bang for their buck,” said Morrow. But if you’re on a tight budget and are only worried about emergency medical care and evacuation coverage while traveling abroad, stand-alone options are cheaper.

Before buying travel insurance, you should also consider what your health insurance will cover. 

“Most domestic health insurance plans, including Medicare, will not cover medical bills abroad,” said Morrow. Even if you’re staying stateside, you may find value in an affordable travel insurance plan with medical coverage if you have a high-deductible health plan (HDHP). 

A cheap travel insurance plan is better than none at all if you end up in a situation that would have covered some or all of your prepaid, nonrefundable trip expenses.

Methodology

Our insurance experts reviewed 1,855 coverage details and 567 rates to determine the best travel insurance . From those top-scoring travel insurance plans, we chose the most affordable for our rating of the cheapest travel insurance.

Insurers could score up to 100 points based on the following factors:

• Cost: 40 points. We scored the average cost of each travel insurance policy for a variety of trips and traveler profiles.
• Medical expenses: 10 points. We scored travel medical insurance by the coverage amount available. Travel insurance policies with emergency medical expense benefits of $250,000 or more per person were given the highest score of 10 points.
• Medical evacuation: 10 points. We scored each plan’s emergency medical evacuation coverage by coverage amount. Travel insurance policies with medical evacuation expense benefits of $500,000 or more per person were given the highest score of 10 points.
• Pre-existing medical condition exclusion waiver: 10 points. We gave full points to travel insurance policies that cover pre-existing medical conditions if certain conditions are met.
• Missed connection: 10 points. Travel insurance plans with missed connection benefits of $1,000 per person or more received full points.
• “Cancel for any reason” upgrade: 5 points. We gave points to travel insurance plans with optional “cancel for any reason” coverage that reimburses up to 75%.
• Travel delay required waiting time: 5 points. We gave 5 points to travel insurance policies with travel delay benefits that kick in after a delay of 6 hours or less.
• Cancel for work reasons: 5 points. If a travel insurance plan allows you to cancel your trip for work reasons, such as your boss requiring you to stay and work, we gave it 5 points.
• Hurricane and severe weather: 5 points. Travel insurance plans that have a required waiting period for hurricane and weather coverage of 12 hours or less received 5 points.

Some travel insurance companies may offer plans with additional benefits or lower prices than the plans that scored the highest, so make sure to compare travel insurance quotes to see your full range of options.

Cheapest travel insurance FAQs

When buying travel insurance, cheapest is not always the best. The most affordable travel insurance plans typically offer fewer coverages with lower policy limits and few or no optional upgrades. Add up your total nonrefundable trip costs and compare travel insurance plans and available features that cover your travel expenses. This strategy can help you find the cheapest travel insurance policy that best protects you from financial loss if an unforeseen circumstance arises.

Get the coverage you need: Best travel insurance of 2024

According to our analysis, WorldTrips , Travel Insured International and Travelex offer the best cheap travel insurance. Policy coverage types and limits can vary by each travel insurance provider, so the best way to get the cheapest travel insurance plan is to compare several policies and companies to find the right fit for your budget.

A good rate for travel insurance depends on your budget and coverage needs. The most comprehensive travel insurance plan is usually not the cheapest. But cheap trip insurance may not have enough coverage or the types of coverage you want. Comparing different levels of coverage and how much they cost can help you find the best cheap insurance for travel. 

The average cost of travel insurance is between 5% to 6% of your total travel expenses for one trip, according to our analysis of rates. However, you may find cheaper travel insurance if you opt for a plan with fewer benefits or lower coverage limits. How much you pay for travel insurance will also depend on the number of travelers covered, their ages, the length of the trip and any upgrades you add to your plan.

Travel insurance covers nonrefundable, prepaid trip costs — up to the policy coverage limits — when your trip is interrupted or canceled for a covered reason outlined in your plan documents. Even the cheapest travel insurance policies usually provide coverage for:

• Medical emergencies.
• Trip delays.
• Trip interruption.
• Trip cancellation.
• Lost, stolen or damaged luggage.

However, if you’re looking to save on travel insurance, you can shop for a policy that only has travel medical insurance and does not include benefits for trip cancellation .

Even when you buy cheap travel insurance, you can often use upgrade options to customize your policy to meet your specific needs. 

Some common travel insurance add-ons you may want to consider include:

• Rental car damage coverage. 
• Medical bundle.
• Security bundle.
• Accidental death and dismemberment coverage.
• Adventure sports bundle.
• Pet bundle.
• Wedding bundle.
• “Cancel for work reasons” coverage.
• “Interruption for any reason” (IFAR) coverage.
• “Cancel for any reason” (CFAR) coverage .

Blueprint is an independent publisher and comparison service, not an investment advisor. The information provided is for educational purposes only and we encourage you to seek personalized advice from qualified professionals regarding specific financial decisions. Past performance is not indicative of future results.

Blueprint has an advertiser disclosure policy . The opinions, analyses, reviews or recommendations expressed in this article are those of the Blueprint editorial staff alone. Blueprint adheres to strict editorial integrity standards. The information is accurate as of the publish date, but always check the provider’s website for the most current information.

Mandy is an insurance writer who has been creating online content since 2018. Before becoming a full-time freelance writer, Mandy spent 15 years working as an insurance agent. Her work has been published in Bankrate, MoneyGeek, The Insurance Bulletin, U.S. News and more.

Heidi Gollub is the USA TODAY Blueprint managing editor of insurance. She was previously lead editor of insurance at Forbes Advisor and led the insurance team at U.S. News & World Report as assistant managing editor of 360 Reviews. Heidi has an MBA from Emporia State University and is a licensed property and casualty insurance expert.

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Travel / Travel insurance / How to make a claim

How to make a travel insurance claim

Here’s how to make a CBA Travel Insurance (if you purchased a travel insurance policy with us) or a claim if you have international travel insurance included with your card .

What you'll need

Have this info handy.

• Your Certificate of Insurance - it has your policy number at the top and confirms your excess
• If you activate insurance included with your eligible CommBank credit card after you have left Australia, there’ll be a three day no cover period before you can receive any benefits
• copies of your eligible credit card account statement, and ​
• credit card receipt that shows you used your eligible card to spend at least $500 in a single transaction on your prepaid travel costs before leaving Australia and/or a copy of the letter/statement/email confirming the redemption of your CommBank Awards points through the CommBank Awards Program in full or part payment for your return overseas travel ticket(s) (including the spend of at least $500 worth of prepaid travel costs is redeemed using CommBank Awards points).
• Documents like a police report or medical notes relating the event you’re claiming for
• A phone number Cover-More can call you back on

What to consider before you make a claim

• 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.

• 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

• Make sure you’re familiar with the excess applicable to your claim - your excess limit is shown on your Certificate of Insurance
• Check that your insurance includes cancellation cover before you make a cancellation-related claim
• Claims resulting from, or made worse by, an existing medical condition that you haven’t declared are unlikely to be covered

How to make a claim

Make a claim online or call cover-more - our travel insurance provider.

Make a claim online or call 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)

If you’re unable to upload supporting documents, post them to:

CommBank Travel Insurance c/o Cover-More Private Bag 913 North Sydney NSW 2059 Australia

It’s important to also include your policy number and contact details.

Activated your cover before 1 st October 2018?

If your cover was activated before 1 st October 2018, your claim will be managed by Allianz Global Assistance. Call Allianz Global Assistance on  1800 837 177 .

Settling a claim

When Cover-More pay a claim, they consider a number of factors including:

• Terms of cover
• The amount of loss or damage
• Maximum benefit limits and sub-limits
• Reasonable depreciation
• Terms and conditions of the policy

Cover-more aim to settle your claim as quickly as possible. Providing all the relevant info when you first submit your claim, may help speed this up.

Cover-More will either call or email you to confirm the outcome.

If you’re successful, they’ll either deposit money into your chosen bank account or issue you with a cheque.

CommBank support

Report a lost or stolen card.

• Within Australia: call us on  13 2221  (24/7)
• From overseas: call us on + 61 2 9999 3283  (24/7)

See more overseas travel support

Protecting your money & cards

• Lock, Block, Limit your CommBank credit card
• Lock, Block, Alert your CommBank Debit Mastercard
• Lock your Travel Money Card for added security  
• Cancel and order a replacement card

Got a question about travel insurance?

Call Cover-More 8am-5pm Mon - Fri and 9am-4pm Sat (Sydney/Melbourne time):

Within Australia:  1300 467 951  From overseas:  +612 8907 5060

Things you should know

Terms, conditions, restrictions, exclusions (including for pre-existing medical conditions and persons aged 74 years or over), limits and excesses may apply to all insurances. Please read the CBA Travel Insurance Product Disclosure Statement and Information Booklet for more information about CBA Travel Insurance.

Terms, conditions, restrictions, exclusions (including for pre-existing medical conditions and persons aged 80 years or over), limits, sub-limits and excesses may apply to all insurances. Please read the  Credit Card Insurances Product Disclosure Statement and Information Booklet and the World Debit Mastercard insurances Product Disclosure Statement and Information Booklet for more information about insurances.

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 .

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.

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.

Should You Buy Travel Insurance Before Taking a Cruise?

W hen you book most forms of travel these days, you're often asked if you'd like to purchase travel insurance. Different airlines, cruise ships, and hotel brands might have different names for this, such as "vacation protection," but these are optional products that are designed to make sure that if something goes wrong, you aren't on the hook financially.

To be fair, I typically decline travel insurance for flying. Since all of the major airlines allow you to change your flight for free, if I get sick and can't travel, I simply use the value of my ticket toward a future flight.

However, cruises are a different situation. Not only could you potentially get sick and miss the cruise altogether, but there are other things that could go wrong. What if you get so sick on board that you need to be medically evacuated back to the U.S.? What if severe weather in your hometown prevents you from getting to the cruise port?

With these and other potential scenarios in mind, here's what you need to know about buying travel insurance for a cruise and whether it's a good idea.

What does travel insurance cover?

Travel insurance is a type of insurance policy underwritten by an insurance company (not by the cruise line or airline itself). While the exact coverage can vary, here are some of the things it will typically cover on a cruise:

Read more: check out our picks for the best car insurance companies

• Trip cancellation protection
• Trip interruption coverage in case you need to come home early
• Baggage insurance to cover loss, damage, or theft
• Baggage delay protection, which reimburses for essential items while you wait for delayed luggage
• Medical coverage (Note: U.S. health insurance typically doesn't apply when on a cruise ship or when traveling internationally.)
• Evacuation protection, in case you need to be medically evacuated back to the U.S. while traveling

In addition, the protection plans offered directly through the cruise lines might have additional benefits. For example, Carnival's Vacation Protection provides travel insurance underwritten by Nationwide, but also makes it easier to get a refund if you need to cancel.

Not only does it refund 100% of your trip's cost if you need to cancel for a covered reason like weather or illness, but you can cancel for any reason whatsoever and get 75% of your money back (you usually can't get a refund at all once the final payment date has passed).

Different options to consider

For travel insurance, there are two main options: You can buy single trip coverage (this is what the cruise lines and airlines offer) that will protect you on one specific vacation. Or you can buy an annual travel insurance policy directly from an insurance company. For example, Allianz is a major travel insurance provider, and in full disclosure, I have a policy for myself and my family through them.

If you travel more than once or twice per year, especially on cruises, it's worth comparing the costs, as an annual travel insurance policy can often be more budget-friendly (and often provides better coverage). On the other hand, if you're taking a once-in-a-lifetime trip, simply buying protection through the cruise line can be a better way to go.

It's also worth noting that some travel credit cards have their own travel protections. They can provide their own trip cancellation insurance, trip interruption and delay coverage, baggage insurance, and a few other benefits if you use your card to pay for the trip. They may not, however, provide the medical and evacuation coverages that are highly important while cruising, so be sure to research all the details ahead of time.

Make sure you're protected one way or another

The bottom line is that when taking a cruise, it's highly advisable to make sure you have some sort of travel protection, especially for medical emergencies. The best choice for you depends on how often you plan to cruise, as frequent cruisers can typically save money by purchasing an annual travel insurance policy. But if you aren't sure, it can be a smart idea to compare the costs before deciding.

Our best car insurance companies for 2024

Ready to shop for car insurance? Whether you’re focused on price, claims handling, or customer service, we've researched insurers nationwide to provide our best-in-class picks for car insurance coverage. Read our free expert review  today to get started.

We're firm believers in the Golden Rule, which is why editorial opinions are ours alone and have not been previously reviewed, approved, or endorsed by included advertisers. The Ascent does not cover all offers on the market. Editorial content from The Ascent is separate from The Motley Fool editorial content and is created by a different analyst team.American Express is an advertising partner of The Ascent, a Motley Fool company. Matt Frankel has positions in American Express. The Motley Fool has no position in any of the stocks mentioned. The Motley Fool has a disclosure policy .