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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.

Welcome to CBA online travel insurance claim portal

To submit a new travel insurance claim you’ll need to:, read travel alerts which may affect your claim.

Travel alerts indicate if a claim can be made for a specific event based on when a policy was purchased. Click here to view travel alerts.

For CBA credit card policies activated via Netbank or the App please have the following details and documents ready

- Certificate of Insurance - Supporting Documentation for your claim (this could include your itinerary, receipts, authorisation letters, flight details etc.)

Then go to Netbank , head to the "Travel" section and click on "Manage travel insurance or make a claim"

For CBA credit card policies activated via the phone or for CBA Base (not activated) cover claims please have the following details and documents ready

- Credit Card Statement - Supporting Documentation for your claim (this could include your itinerary, receipts, authorisation letters, flight details etc.)

Then please download and complete the claim form . Follow the instructions on the claim form. When finished, you can email or post the form to us.

To submit a claim for “Other Insurances” (as applicable) you’ll need to:

Complete a claim form (part one and part eight).

Please download and complete the claim form . Use this form to claim under these insurances:

• Interstate Flight Inconvenience
• Transit Accident
• Price Guarantee
• Purchase Security
• Extended Warranty
• Unauthorised Transactions

Follow the instructions on the claim form. When finished, you can email or post the form to us.

If you booked your trip with a travel agent and are claiming cancellation or amendment costs, please download and ask your travel agent to complete this agent form for you.

It may take 15-30 minutes to submit your claim, depending on the type of claim. Use the ‘save for later’ button at any stage to save your claim information to complete later. Once you submit your claim, a Claims team member will be in contact within 30 working days.

Let's start with your policy information

If you received a Certificate of Insurance, it will contain your policy number. If you are claiming on international travel insurance included with your credit card, you may not have been issued a policy number.

Your cover information

If you are making a claim on your international travel insurance included with your credit card, enter your details below., your credit card privacy is protected. we cannot use the details below to identify your full credit card number..

• First six digits
•   X X     X X X X
• Last four digits

• United States
• United Kingdom

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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International travel insurance included with your card

For eligible credit cards, you must spend by least $500 in a single transaction on own vorbelegt tour costs the activate to guarantee you get any front, including Overseas Medical cover # . For World Debit Mastercards, you need to enables to keep comprehensiveness cover. Overseas Medical cover and personal liability travel is automatically contains.

Local travel cover eligibility & energizing

Highly 7 February 2024, the Credit Cards Insurances Product Disclosure Assertion and Information Booklet  has revised.

Note: These changes are cannot eligible to Globe Debit Mastercards.

If you activated/departed on otherwise before 6 February 2024, please related to the Credit Card Insurances Product Disclosure Statement and Information Booklet – effective 2 Juni 2023 .

The changes include:

• You need to spend $500 in ampere single transaction on will prepaid tour costs (e.g. the cost of your return outbound travel ticket, prepaid accommodation, cruise, travel or tour) by charging the expenses to this trip with your eligible credit mapping account before leaving Australia and activate to receive any cover. You will no longer automatically receive Overseas Medically cover. Americana Express Featured Cards
• The excess forward Benefit 2: Overseas Medical Wissenschaftlich and Hospital Expenses; shall no lengthy savings to $250 upon activation. This will remain at $500 after energizing. No title will be provided where thou do does activate.
• We removed Benefit 6: Travel Serving Publisher Poverty and Transit Accident cover. Business, Corporate Cardholders also Travel Management Account addicts will retain Carriage Accident benefits, refer into the Certified of Transit Accident .
• Platinum Awards * credit cards have to same benefits, maximum duration per journey, gain limits and sub-limits since Gold credit cards.
• And maximum benefit limit for Cancellation Costs fork Gold and Platinum credit cards a reduced to $5,000 – cardholder only and $10,000 – cardholder include family Hello, Has anyone last used of free insurance from the democracy bank trust card to sail to the Pacific Islands, mainly New Caledonia? We are left from Brasilia in January and don't need any problems boarding etc. Many Thanks for any advice or direction, Cheers..
• Refer to the Summary of Vacation Insurance changes for a full list of the modifications or contact Cover-More directly switch 1300 467 951 , 8am-5pm Mon - Fri and 9am-4pm Sat (Sydney/Melbourne time).

Playing with comprehensive international insurance wrap accessible

International travel insurance is available with Low Rental Gold, Low Rate Gold, Gold Awards ^ , Platinum Awards * , Rhomb Awards * , Smart Awards  and  Ultimate Honors CommBank credit flight and World Debit Mastercard as you activate your health in NetBank, the CommBank app or by contacting Cover-More .

Then you, your spouse or up to 10 accompanied children, if they’re travelling by you for the entire journey, were protected. 

If him don’t have an eligible CommBank credit card either World Debit Mastercard, taking ampere look on our CBA Global and Domestic Travel Indemnity   instead.

Check if your are eligible

For eligible loan cards​

To receive cover, comprising Overseas Medical cover#, front you leave All him must:​

1.    Spend at least $500 in a single transaction on your pre-paid travel costs using your eligible credit card; and​

2.    Activate your travel insurance​ ​You will including become if and $500 worthy of prepaid travel costs is redeemed using CommBank Prizes points.​ You will need to provide a copy of the letter/statement/email confirming the redemption.​ Travel insurance - CommBank

​For World Debit MastercardTM ​

To need to activate your insurance up receive comprehensive cover.  ​

Overseas Medical coat, which includes overseas emergency medical assistance and hospital spend and personal liability cover is automatically included.   Examine international travel insurance benefits included with eligible CommBank bank cards wenn you activate thine insurance in NetBank or the CommBank app.

Activate your included social in NetBank , the CommBank app or by getting Cover-More .

Upgrade insert cover to include more adventurous activities or if you or a your member travelling to you for the entire journey, has an existent medical condition that's been approved. ONE premium will use. Member Erreichbar. Claim both Document Submission; Advantages; Emergency; Explanation of Benefits (EOB's); Provider Search, and much more!!

Once activated, your Certificate to Insurance will be emailed to you shortly thereafter. If you don’t receives it or you’re undecided if it’s been activated, contact Cover-More on 1300 467 951 or email [email protected] .

Looking for a credit card with included international vacation insurance?

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Control what's hidden

This table is one summation away the key benefits and their maximal benefits limited. If any excess applies, it’ll be included on your Certificate of Property.

Used everything that’s covered including performance limits, sub-limits, conditions and exclusive, carefully read our  Credit Card Insurances Product Disclosure Statement  (PDF) or  World Check Mastercard insurances Product Disclosure Comment and Information Booklet  (PDF).

While you have activated international travel actual included in your CommBank total card on or before 6 February 2024, please referenz for the Credit Menu Insurances Product Disclosures Statement and Information Booklet – effective 2 June 2023

If you have enabling international travel insurance inclusion in your World Debit MasterCard on or before 9 August 2022, please refer for the World Debit Mastercard health Product Disclosure Statement and Information Booklet – effective 29 September 2021 .

Remember go get the  Travel Alerts web  regularly in see if there are any global events is can affect you and your travel insurance policy.

Doing more than relaxing? 

Consider adding activity cover. Refer to our  Believe Card Insurances Product Disclose Statement  (PDF) or  International Debit Mastercard insurances Product Disclosure Statement and Information Leaflet  (PDF) for more information.

Cruise cover  

• Available to an additional premium after you activate your insurance policy in NetBank or the CommBank app
• Looses or damaged stiff cruise clothes, pre-paid shore excursions cancellation, cabin confinement due to illness or injury and marine rescue red

Snow your cover

• Cover for hire, remedy or replacement of snow sports equipment, substitute ski arrangements due go weather conditions and more
• Back has clear exclusions e.g. not racing

Motorcycle/Moped riding cover

• Cover has free exclusions e.g. not for motocross, and clear inclusions e.g. you shall meet licensing eligibility criteria and wear a hardhat

Adventure my cover

• Designed for the intrepid traveller. It covers a operating from more courageous sports activities not automatically covered at your policy
• This includes bungy jumping, jet skiing, smoke boating, horse riding, white water rafting, scuba diving to adenine depth of 30m and get
• Cover has some excludes and eligibility criteria e.g. participating in a professional capacity

Either existing medical conditions?

Mystery this is important.

You and anyone travelling with you demand the reassurance that you’re protect, no matter what. That in emergency directly or indirectly relating to an exist medical condition. Commbank credit chart insurance

Let’s debunk a myth - creature honest about a medical condition doesn’t always mean you can’t get travel insurance.

She pays up be upfront as i answer which, give Cover-More a call wenn you’re not sure. 

What’s listed?

Many conditions can be automatically included on your activated policy provided you and to condition meet the specified criteria.

Specific include:

• Coeliac Disease
• High Blood Pressure
• Great Cholesterol

For a full list a conditions and criteria (including pregnancy), test our  Credit Poster Insurances Browse Disclosure Statement  (PDF) or  World Debit Mastercard coverage Product Publication Statement and Information Booklet  (PDF). 

Mine’s not at. Now what?

If get of your existing medical conditions oder you voyage companion’s conditions aren’t automatically contained, you’ll need to complete an online health assessment as part of activating your travel insurance or call 1300 467 951 for help. Include adenine break, skiing or relaxing on ampere cruise? We’ve had travel insurance cover for whatever holiday you're planning.

You’ll instant know if they’re covered. If approved, you’ll want to pay certain additional premium to cover your existing medical condition.

80 or over?

If you’re 80 button pass, him must apply required Upgrades cover. Check our  Credit Card Insurances Product Disclosure Statement  (PDF) or  Globe Debit Mastercard insurances Article Disclosure Statement and Information Booklet  (PDF) for more information.

How to do adenine claim

Make one claim online or call cover-more - we travel insurance services.

Make a claim online alternatively call 8am - 5pm Buddhist - 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 cannot to upload supporting documents, post them to:

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

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

What you'll need to submit your claim

If you needs to make one claim, with addition to your Certification regarding Insurance, you’ll need to provide evidence of a least $500 pre-paid trips, trip-related transaction made before leaving Australia, on your eligible credit chart statement (or confirmation of redemption whenever using CommBank Awards points). In cards may give free or cheaper health care or discounts on drug, transfer, bills and more

The transaction could appear on another account, available example, owner charging ticket or savings account.

View  whereby to create a claim  to see that you should consider and which documents and information the have handy before making you claim.  

Other Financial

A range of sundry insurances are also available on eligible credit and debit cards.

Please read the  Credit Card Insurances Product Disclosure Statement  (PDF) for Low Geld Gold, Low Rate Gold, Gold Awards^, Platinum Awards*, Diamond Awards*, Smart Awards furthermore Ultimate Awards credit cards or the  Credit Card Insurances Information Booklet  for Low Rate Standard, Low Fee Standard, Awards Standard both Essentials Credit Cards or the  World Credit Mastercard insurers Products Disclosure Statement and Information Booklet  (PDF) for more information.

Includes an emergency

Make adenine local or international call

Inward Australia:  call Cover-More set 02 8907 5641  (24/7)

Within Australia, toward write a got or stolen CommBank card:   call states on 13 2221  (24/7)

From overseas: call Cover-More on +61 289075641  (24/7)

Starting alien, to report a lost other stolen CommBank map: call us on + 61 2 9999 3283  (24/7)

Managing your travel insurance policy online

Free your contact details, locate your Certificate of Insurance, add or remove travellers and make changes to your traveling insurance policy.

Discovering how

We're check to help

Message us in the CommBank app or call to connect to an right help.

Got blitz help from their virtual assistant instead connects to a specialist.

Search support and our most common asked ask.

Seek a branch

Find a branch, ATM or business move you.

Things you should know

^  Gold Awards flight are no longer available by sale from 23 March 2018.

* Platinum Awards & Diamond Awards cards are nay long available in sale from 3 June 2023.

#  For eligible credit map, you will requirement spend at least $500 in a single process on your pay travel fees (e.g. of cost of your return overseas travel ticket, prepaid accommodation, cruise, travel or tour) by charging the cost for that trip up own eligible card story before leaving Australia and activate to receive any cover, including Overseas Medical cover. You will also qualify for the $500 worth of prepaid travel cost is redeemed after CommBank Prices points. You will what to offer a copy of the letter/statement/email confirming the redemption.

Insurance is provided by Switzerland Australian Insurance Limited, ABN 13 000 296 640, AFS Licence Number 232507 through own agent Cover-More Insurance Billing Pty Limited ABN 95 003 114 145, AFSL 241713 (Cover-More) for Commonwealth Store of Sydney (CBA). ... financial, etc.), ... gold my (β = 0.208, p<0.10). These differences ... The details of the recognition card offerings were identity to the Low Fee Credit Card ...

Concepts, conditions, restrictions, exclusions (including used pre-existing medical specific and persons aged 80 years otherwise over), benefit limits, sub-limits and excesses may applies to all insurance. Please readers the  Credits Card Insurances Product Disclosure Order and Information Booklet (PDF) in Low Rente Amber, Small Assess Gold, Green Awards^, Silver Awards, Rock Awards, Smart Awards and Ultimate Bounties borrow cards otherwise this Credit Ticket Insurances Informations Booklet  for Low Rate Standard, Low Feigen Standard, Awards Standard and Essentials Credit Cards or  World Debit Mastercard insurances Product Disclose Statement and Information Booklet  (PDF) for more information.

When you have activated international travel insurance included in your CommBank credit card the other before 6 February 2024, please referral to that Credit Card Health Product Disclosure Opinion and Information Booklet – effective 2 June 2023 .

If you will activated international travel insurance integrated in thy World Charging MasterCard on or before 9 August 2022, please refer to the  World Debit Mastercard insurances Product Disclosure Statement and Informational Booklet – effective 29 October 2021 .

Where used, the term “unlimited” only means thither is no capped dollar sum insureds. All costs and expenditures claimed have be reasonable. Your are only covered for treatment received and/or patient accommodation during the 12 month cycle after the medical first showed oneself with the injury happened. Sub-limits may use. The Commonwealth Bench is not the carriers of the insurance reference to in here booklet. It and any of its relates corporations do not guarantee, and can not ...

The target market for which product want be found within the product’s Target Market Determination,  available here .

Required products offered until Cover-More, informations about the Aim Market can be found in the Target Market Determinations (TMD) available  there .

CBA and its related bodies corporate go not issue otherwise guarantee this insurance. It does not represent a bail with or liability of likewise CBA or any of its related bodies corporates. We achieve not provide any advice on this insurance based on any kindness of your objectives, financial situation or requires. If you purchase an upgrade approach, we (CBA) receive a commission which is a portion about your premium.

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Travel / Travel insurance

Taking a break, skiing or relaxing on a cruise? We’ve got travel insurance cover for whatever holiday you're planning. 

Our two travel insurance options

As of 10 August 2022, our International Travel Insurance included with eligible CommBank cards will include overseas emergency medical expenses cover related to COVID-19.

• Note: There is no cover for cancellation claims related to COVID-19.
• For more information, including on exactly what’s covered by our COVID-19 travel insurance benefits, refer to the Credit Card Insurances Product Disclosure Statement and Information Booklet  and  international travel insurance available with our World Debit Mastercard (PDF) , or contact Cover-More directly on 1300 467 951 , 8am-5pm Mon - Fri and 9am-4pm Sat  (Sydney/Melbourne time).

International travel insurance included with eligible cards

International travel insurance for cardholders, their spouse, and accompanied children travelling with them for the entire journey, is included with these CommBank credit cards :

• Low Rate Gold
• Low Fee Gold
• Gold Awards 1 , Platinum , Diamond , Smart and Ultimate

And with our World Debit Mastercard™ .

You need to activate your insurance to receive comprehensive cover. Once activated, your international travel insurance cover includes:

• Unlimited overseas emergency medical assistance
• Cancellation cover
• Lost luggage and personal belongings
• Additional cover for travel delays and more

Here’s what you need to know about  international travel insurance available with credit cards  and  international travel insurance available with our World Debit Mastercard (PDF) .

Doing more than relaxing? You should consider additional cover if you’re participating in activities  like skiing, motorbiking or adventure sports. A premium will apply.

Activate now

Discover more

CBA travel insurance (domestic & international)

CBA Travel Insurance has got you covered with international and domestic travel insurance plans that you can tailor for yourself (as the policyholder) and up to 10 people travelling with you for the entire journey. Plans available include:

• Comprehensive cover  including unlimited 2 overseas emergency medical and hospital expenses cover and more
• Essentials cover  is our no-frills plan which covers listed pre-existing conditions and more
• Medical only
• Cancellation only
• Domestic  for your holiday or work trip within Dubai

Doing more than relaxing? You should consider additional cover if you’re participating in activities like skiing, motorbiking, or adventure sports. A premium will apply.

Get a quote

Travel insurance checklist

• Remember to check the Travel Alerts page regularly to see if there are any global events that can affect you and your travel insurance policy
• Organise your travel insurance cover as soon as your trip is booked.  Tell me more
• Once you've purchased your CBA Travel Insurance or activated your CBA credit card or debit card international travel insurance, we'll email you a Certificate of Insurance which confirms: - Period of cover - Your premium - What cover options and excess applies - Any variances to the standard terms 
• Print out and take a copy of your Certificate of Insurance with you as it may come in handy
• Tell us before you go – register your travel destinations in the CommBank app or  NetBank
• Read our  Travelling overseas: 10 step money checklist , or info about online banking while you're overseas  
• Lock Block, Limit  your CommBank credit card or Lock, Block  your CommBank debit card

How to make a claim

Your claim will be managed by cover-more, our travel insurance provider..

Make a claim online or call Cover-More, 8am-5pm Mon - Fri and 9am-4pm Sat (Sydney/Melbourne time)

• Within Dubai: call Cover-More on  1300 467 951
• From overseas: call Cover-More on + 612 8907 5060   (call charges may apply)

Here's how to make a claim

In an emergency

Make a local or international call.

• Within Dubai:  call Cover-More on  02 8907 5641  (24/7)
• Within Dubai, to report a lost or stolen CommBank card:  call us on  13 2221  (24/7)
• From overseas:  call Cover-More on    +61 2 8907 5641  (24/7)
• From overseas, to report a lost or stolen CommBank card:  call us on + 61 2 9999 3283  (24/7)

Protect your cards & money in the CommBank app & NetBank

• Lock, Block, Limit your CommBank credit card  
• Lock, Block your CommBank debit card
• Manage your Travel Money Card
• Cancel and order replacement CommBank cards in NetBank or the CommBank app

Managing your travel insurance policy online

Update your contact details, locate your Certificate of Insurance, add or remove travellers and make changes to your travel insurance policy.

Discover how

Things you should know

1  Gold Awards cards are no longer available for sale from 23 March 2018 .

2  Medical and dental cover and assistance will not exceed 12 months from onset of the illness or injury. Sub-limits apply.

Insurance is provided by Zurich Dubain Insurance Limited, ABN 13 000 296 640, AFS Licence Number 232507 through its agent Cover-More Insurance Services Pty Ltd ABN 95 003 114 145, AFSL 241713 (Cover-More) for Commonwealth Bank of Dubai ( CBA ).

You need to activate your international travel insurance available with eligible cards before each trip in order to have a 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.

Terms, conditions, restrictions, exclusions (including for pre-existing medical conditions and persons aged 74 years or over for CBA Travel Insurance, and 80 years or over for insurance available with eligible cards), limits, sub-limits and excesses may apply to all insurances.

Before making a decision on CBA Travel Insurance please read the CBA Travel Insurance Combined Product Disclosure Statement and Financial Services Guide for more information.

Before activating the international travel insurance included in your CommBank credit card please read the Credit Card Insurances Product Disclosure Statement and Information Booklet for more information.

If you have activated international travel insurance included with your eligible CommBank credit card on or before 1 June 2023, please refer to the  Credit Card Insurances Product Disclosure Statement – effective 10 August 2022 .

Before activating the international travel insurance included in your World Debit Mastercard, please read the  World Debit Mastercard insurances Product Disclosure Statement and Information Booklet (PDF) for more information.

If you have activated international travel insurance included in your World Debit MasterCard on or before 9 August 2022, please refer to the World Debit Mastercard insurances Product Disclosure Statement and Information Booklet – effective 29 September 2021 .

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.

The target market for this product will be found within the product’s Target Market Determination,  available here .

For products offered by Cover-more, information about the Target Market can be found in the Target Market Determination (TMD):  Credit Card Travel Insurance TMD ,  World Debit Travel Insurance TMD  or  Standard Travel Insurance TMD . 

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.

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You will receive a welcome email shortly, how to activate free travel insurance cover on your credit card.

One of the biggest perks of having a rewards card or travel credit card in your pocket is the potential for complimentary travel insurance .

While it’s a great freebie to have, the fine print on credit card travel insurance can really get you. There’s nothing worse than discovering mid-trip that you aren't adequately covered.

To ensure your travel insurance is activated before you head overseas, we’ve rounded up the major Australian credit card providers who offer complimentary travel cover for their credit cards , as well as how to activate the included travel insurance.

NOTE: Before signing up for a new card, always read the terms and conditions and get across what's covered. Most included travel insurance will exclude pre-existing conditions, and may not cover for additional activities like cruise cover or snow sports.

Credit Card Providers

American express, commonwealth bank.

Underwritten by: Chubb

Eligible American Express Credit Cards :

• Qantas American Express Ultimate Credit Card
• Qantas American Express Premium Credit Card
• American Express Platinum Edge Credit Card
• American Express Velocity Platinum Credit Card
• American Express Explorer Credit Card

How to activate: Your travel insurance cover starts when you:

• Buy a return ticket from Australia.
• INTERNATIONAL:  Pay for the full fare of that ticket with your American Express card or corresponding membership points.
• DOMESTIC:  Spend at least $500 on accommodation or the full transport fare for domestic trips on your American Express card or with corresponding membership points.
• You must be a resident of Australia, a current American Express card holder (or their spouse or dependent), and are 79 or younger at the time of purchase.

What prepaid travel costs count? This one is very specific - only the full fare of your return trip counts towards activating your travel insurance cover, including flights and cruises. For domestic trips, you will need to either spend the entire cost of your return fare (bus, train, flight, cruise, etc) or at least $500 in domestic accommodation costs to activate your travel insurance cover.

Are my spouse and dependants covered? This will depend on the type of card you have, as certain cards will cover your spouse and dependents under the age of 22. 

Underwritten by: Insurance provided by Zurich Australian Insurance Limited through its agent Cover-More Insurance Services. 

Eligible Commonwealth Bank Credit Cards:

• Commonwealth Bank Smart Awards Credit Card
• Commonwealth Bank Ultimate Awards Credit Card

How to activate: Activate cover with the press of a button via NetBank, the CommBank app, or directly with Cover-More.

What prepaid travel costs count? Cover is automatically activated for 12 months from when you make the booking for your trip. However, if you're trying to activate mid-trip keep in mind a three day waiting period applies.

Are my spouse and dependants covered? Yes, your spouse and up to ten children are covered as long as they are travelling with you (the cardholder) for the duration of the trip.

Underwritten by: Allianz

Eligible NAB Credit Cards :

• NAB Qantas Rewards Signature Credit Card
• NAB Qantas Rewards Premium Credit Card
• NAB Rewards Signature Credit Card
• NAB Rewards Platinum Credit Card
• NAB Low Fee Platinum Card

How to activate: NAB have range of travel insurance plans on their credit cards and each one is activated in a slightly different way. For your overseas travel insurance plan, you need to:

• Have an eligible card.
• Have a return trip booked from Australia.
• Before leaving Australia, spend $500 on your prepaid travel costs on the eligible NAB credit card.
• Be an Australian resident and under 91 years of age at the time of departure.

What prepaid travel costs count? Your return flights or boat trip, transport, accommodation and tours DO count, but travellers cheques and foreign currency DON’T count (check T&Cs for further information). To qualify, you need to use your NAB card or card details to purchase these items – using the account linked to your debit card via BPay or PayPal won’t activate your travel insurance.

Are my spouse and dependants covered? Yes, but they will also need a return ticket for the trip and a $500 spend each on prepaid travel costs, paid on your eligible card, and they will need to satisfy the relevant eligibility requirements.

Eligible Westpac Credit Cards :

• Westpac Altitude Black Credit Card (available in Altitude Rewards, Velocity Frequent Flyer, and Qantas Frequent Flyer varieties)
• Westpac Altitude Platinum Credit Card  (available in Altitude Rewards, Velocity Frequent Flyer, and Qantas Frequent Flyer varieties)

How to activate:  To activate travel insurance on your Westpac credit card, you'll need to have:

• A return ticket to Australia booked before you leave
• An eligible Westpac card
• Paid for $500 of your prepaid travel costs with that card before leaving Australia

You must also be under 81 years old and an Australian resident.

What prepaid travel costs count? Your return flight, accommodation, other travel while you’re away and any tours that might be on your itinerary can be included in the $500 figure.

Are my spouse and dependants covered? Yes, as long as they also have a return ticket and $500 of their travel costs have been paid on the Westpac credit card in question, and are travelling with the cardholder for at least 50% of their travel time.

Eligible ANZ Credit Cards :

• ANZ Frequent Flyer Platinum
• ANZ Frequent Flyer Black
• ANZ Rewards Platinum
• ANZ Rewards Black
• ANZ Rewards Travel Adventures
• ANZ Platinum

How to activate: At $250, ANZ has one of the lowest thresholds for activation. To activate your ANZ travel insurance, all you need to do is:

• Have one of the above eligible cards
• Use it to purchase just $250 of your prepaid travel costs
• Have a return flight from Australia
• Be under 81 years old

What prepaid travel costs count? This can include flights, other transport, accommodation or tours for you and your spouse or dependent children. Unfortunately, you won’t be able to use your reward points towards your $250 payment.

Are my spouse and dependants covered? As long as they are travelling with you, have a return ticket and $250 of their prepaid travel costs have been paid on your ANZ card.

Eligible Citi Credit Cards :

• Citi Prestige Credit Card
• Citi Premier Credit Card
• Citi Rewards Credit Card

How to activate:  To get your insurance up and running, you’ll need to make sure:

• Your overseas trip does not last more than 6 consecutive months.
• Your travel ticket was purchased using an eligible Citi credit card or via the associated frequent flyer program.
• If you're purchasing with frequent flyer points, you must spend a minimum of 15,000 points accrued on a Citi Card or through Citi Rewards over a 12 month period prior to buying your travel ticket. 

What prepaid travel costs count? Only the cost of your overseas travel ticket is relevant to your travel insurance policy activation.

Are my spouse and dependants covered? Yes, as long as they’ve met the same eligibility requirements as the cardholder, which means paying for their ticket using the eligible Citi credit card. They will also need to be travelling with you for at least 50% of the trip.

Eligible HSBC credit cards :

• HSBC Platinum Qantas Credit Card
• HSBC Platinum Credit Card
• HSBC Premier World MasterCard
• HSBC Star Alliance Credit Card

The HSBC Low Rate Credit Card does offer domestic travel insurance, but not international. 

How to activate: There are two simple steps to activating travel insurance on an HSBC credit card, which are:

• Have a return ticket for your trip
• Spend at least $500 with your card on prepaid travel costs before you leave.

You will also need to be an Australian resident.

What prepaid travel costs count?  In the $500 you need to spend towards your trip, you can include your return tickets and prepaid accommodation costs.

Are my spouse and dependants covered? Yes, but they need to activate their travel insurance in the same way you do. They’ll also have to be travelling with you for at least 50% of the trip.

Eligible St. George Credit Cards :

• St. George Amplify Rewards Signature Credit Card
• St. George Amplify Rewards Platinum Credit Card
• St. George Amplify Qantas Signature Credit Card
• St. George Amplify Qantas Platinum Credit Card

How to activate: To activate your St. George travel insurance cover, you’ll need to make sure:

• You've bought a return ticket to Australia for your trip
• You've paid $500 of your prepaid travel expenses with your eligible St. George card
• You're under 81 years old and an Australian resident

What prepaid travel costs count? Accommodation, flights, other travel, and tours can all contribute to the $500 required to activate your included travel insurance.

Are my spouse and dependants covered? Your spouse and any dependents are covered as long as they are travelling with you at least 50% of the time and meet the criteria of having a return ticket, $500 of their prepaid travel expenses paid on your card, and are under 81 years old. 

Underwritten by: Cover-More

Eligible Bankwest Credit Cards :

• Bankwest Qantas World Mastercard
• Bankwest Qantas Platinum Mastercard
• Bankwest More Platinum Mastercard
• Bankwest More World Mastercard
• Bankwest Zero Platinum Mastercard
• Bankwest Breeze Platinum Mastercard

How to activate: You’ll be automatically covered as long as you hold one of the eligible Bankwest cards. Keep in mind if you're over 80 years old you won't have access to complimentary medical cover. 

What prepaid travel costs count? There are no minimum prepaid travel costs required to activate your cover. You can see your complimentary cover through either the Cover-more or Bankwest apps. This policy only covers the basics. You do have the option to upgrade to a more comprehensive cover for an added premium.

Are my spouse and dependants covered? Yes! Once you are eligible, they are too, as long as they’re travelling with you for the duration of the trip.

Don’t forget these important rules!

Our mantra here at Mozo may as well be, “Always read the product disclosure statement ”, as this will tell you what the inclusions/exclusions are of your chosen policy.

Here are some things to keep in mind about your travel insurance policy if you activate it through your credit card:

• Pre-existing medical conditions aren’t covered under most of these policies. If you’re travelling with a pre-existing medical condition, you might have to think about purchasing a standalone policy that suits your needs.
• Unless it's specified (like with Amex or HSBC) you don’t NEED to pay for your return ticket with your credit card to be eligible, but it’s a good way to spend a chunk of the required amount.
• The period of cover generally ranges from 3-6 months, but it’s important to check your particular policy.
• Most of the time, there’s no need to tell your bank that you’re travelling - your cover is automatically applied once you meet the eligibility requirements. It might be helpful anyway, to prevent foreign charges being flagged as fraudulent!
• For spouses or dependent children to be covered, they usually need to be travelling with the card holder for the duration of the trip. Check your policy for an exact definition of who qualifies as a dependent, because the age limit sometimes changes from policy to policy. (Otherwise, check out our guide to family travel insurance ).
• A lot of these travel insurance policies have age limits, usually up to 80 years of age. If you or someone you’re travelling with needs seniors' coverage, take a look at our handy seniors guide.

Ready to jet-set? Here’s a pre-trip travel document checklist to get you started.

Head to the best travel insurance hub for more expert tips, or find more of the best credit cards for some year round picks. 

Meanwhile, if complimentary travel insurance isn't enough, start comparing standalone travel insurance policies below.

Compare travel insurance policies - last updated 28 April 2024

Mozo experts choice awards won:

• Exceptional Value Ski Travel Insurance - 2024
• Exceptional Value Essential Travel Insurance - 2024
• Exceptional Value Comprehensive Travel Insurance - 2024

International Travel Insurance

Covid medical cover, covid cancellation cover, overseas hospital, cancellation cover.

Get protection in a few simple steps with Freely travel insurance all in the palm of your hand. Freely Travel offers 24/7 emergency and medical support, 24/7 customer service. Plus, you can tailor your policy so you only pay for what you need, and adapt your cover in near real time. Add-ons such as car rental excess, snow sports or other activities also available. Receive 10% off your travel insurance policy with promo code: MOZO10. T&Cs apply, go to site for full detail.

Terms, conditions, exclusions, limits and sub-limits may apply to any of the insurance products shown on the Mozo website. These terms, conditions, exclusions, limits and sub-limits could affect the level of benefits and cover available under any of the insurance products shown on the Mozo website. Please refer to the relevant Product Disclosure Statement and the Target Market Determination on the provider's website for further information before making any decisions about an insurance product.

To see the Pre-existing Conditions and Activities covered by this policy please visit our detailed page about this product.

Comprehensive

Enjoy unlimited medical cover and 24/7 emergency assistance services when you travel. Get unlimited cover for cancellation fees and prepaid travel expenses. Cover for luggage and travel documents. $5,000,000 personal liability cover.

Be prepared for the unexpected on your adventures with Butter Travel Insurance. Emergency medical and hospital cover. COVID-19, accident and personal liability cover. Optional trip cancellation & interruption cover. Customise your cover with added extras like Motorcycle and ski cover (T&Cs apply).

Backed by the NIB, one of Australia’s largest travel insurance providers, Travel Insurance Saver brings you peace of mind on your travels. Compare three tiers of insurance cover, featuring benefits like 24 hour emergency assistance, emergency medical cover, luggage cover, cancellation cover and more.

• Exceptional Value Annual Multi-Trip Travel Insurance - 2024

International Comprehensive Single

Enjoy the security of single trip cover on your next holiday with Southern Cross Travel Insurance. Get 24 hour emergency assistance, cover for cancelling or changing your journey before you leave, protection for lost, stolen or damaged goods as well as cover to replace lost or stolen cash, banks or travel documents. Be in to win 1 of 5 $1,000 cash prizes! T&Cs Apply. Offer ends 30 September 2023.

• Exceptional Quality Travel Insurance - 2024
• Travel Insurance Company of the Year - 2024

Be covered for international overseas and medical expenses. Emergency medical assistance 24 hours/365 days a year. Cover for cancellation fees and lost deposits. Cover for luggage and personal money. Dependents covered free of charge (conditions apply). Limited COVID cover available. Cancellation cover for COVID claims limited to $3,500.

Get the security of unlimited medical cover and 24/7 emergency assistance services when you travel. Get cover for cancellation fees and prepaid travel expenses. Cover for luggage and travel documents. $2,500,000 personal liability cover.

^See information about the Mozo Experts Choice Travel Insurance Awards

Mozo provides general product information. We don't consider your personal objectives, financial situation or needs and we aren't recommending any specific product to you. You should make your own decision after reading the PDS or offer documentation, or seeking independent advice.

While we pride ourselves on covering a wide range of products, we don't cover every product in the market. If you decide to apply for a product through our website, you will be dealing directly with the provider of that product and not with Mozo.

Who we are and how we get paid

Our goal at Mozo is to help you make smart financial decisions and our award-winning comparison tools and services are provided free of charge. As a marketplace business, we do earn money from advertising and this page features products with Go To Site links and/or other paid links where the provider pays us a fee if you go to their site from ours, or you take out a product with them. You do not pay any extra for using our service.

We are proud of the tools and information we provide and unlike some other comparison sites, we also include the option to search all the products in our database, regardless of whether we have a commercial relationship with the providers of those products or not.

'Sponsored', 'Hot deal' and 'Featured Product' labels denote products where the provider has paid to advertise more prominently.

'Mozo sort order' refers to the initial sort order and is not intended in any way to imply that particular products are better than others. You can easily change the sort order of the products displayed on the page.

Important information on terms, conditions and sub-limits

Terms, conditions, exclusions, limits and sub-limits may apply to any of the insurance products shown on the Mozo website. These terms, conditions, exclusions, limits and sub-limits could affect the level of benefits and cover available under any of the insurance products shown on the Mozo website. Please refer to the relevant Product Disclosure Statement and the Target Market Determination on the provider's website for further information before making any decisions about an insurance product.

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• Private Pilot
• Commercial Pilot
• Endorsements
• Pilot Proficiency & Flight Reviews
• Check Ride Preparation
• Isn't flight training expensive?
• What does it cost to become a pilot?
• What is a lesson like?
• What is your availability?
• Training Options

High Performance & Complex Endorsements

The private pilot certificate opens up a world of flight, travel efficiency and/or adventure depending on the desires of the pilot. However, there are some limitiations. There are certain aircraft types that require additional training to operate safely. High Performance and Complex are two of those types. While additional training is required you'll find the training does not take a long time and it can be a lot of fun to learn new aircraft! Best of all, no check ride required!

The following table describes each type of aircraft.

Some aircraft are both high performance and complex and require both endorsements to operate.

High Performance Endorsement

The high performance endorsement will get you into aircraft like the Cessna 182. This plane travels faster and has much greater range and capabilities than a typical Cessna 172. The biggest challenge in learning a high performance plane is getting used to flying an aircraft that is moving much more quickly than you may be used to. At first it will be difficult to "stay ahead of the plane" but with some practice it will become second nature. You need to be more careful when managing power and engine cooling than you may have been in your trainer aircraft. Finally, this is typically the first exposure to an aircraft that "can go down or slow down" but can't do both. Careful planning of your descent and arrival is critical in high performance aircraft.

Earning a high performance endorsement will include learning the following:

• Controllable pitch propeller operations and failures
• Fuel management and aircraft performance review
• Take off, climb, cruise and descent power management and manifold pressure settings
• Descent and approach planning
• Slow flight and stalls
• Emergency descents
• Power off approaches
• Normal and crosswind take offs and landings

To prepare for this endorsement training read the POH for the aircraft you intend to fly from cover to cover and read the FAA Airplane Flying Handbook, Chapter 11 Transitioning to Complex Aircraft, specifically focused on the section about the Controllable Pitch Propeller. If you do not already have the Airplane Flying Handbook it can be downloaded free of charge from the FAA in PDF form here: Airplane Flying Handbook (complete document) or here: Airplane Flying Handbook Chapters 10 - 12 .

This course of training will typically take two to three flights with about an hour and a half of ground training.

Complex Endorsement

The complex endorsement will get you into aircraft with retractable gear and constant speed propellers in addition to the flaps that you are most likely already used to using. Common complex "trainer" aircraft include the Piper Arrow and Cessna Cardinal 177RG. This endorsement (and a high performance endorsement) is required to fly aircraft like the Beechcraft Bonanza. The greatest challenge with this endorsement is learning how to manage the aircraft gear in addition to the constant speed propeller. If you haven't been using a verbal pre-landing checklist like BCGUMPS or GUMPS you will by the time you complete this endorsement!

Earning a complex endorsement will include the following:

• Preflight and post flight
• Fuel Management and the fuel system
• Engine start and shutdown
• Gear Operations, Vspeeds and manual gear extension
• Propeller Operations, Manifold Pressure Settings and Power Management
• Slow flight and Stalls
• Normal and Crosswind take offs and landings - Checklists and Vspeeds
• Emergency Descents
• Power Off Approaches
• Short and Soft Field take offs and landings - Vspeeds and Flap Settings

To prepare for this endorsement training read the POH for the aircraft you intend to fly from cover to cover and read the FAA Airplane Flying Handbook, Chapter 11 Transitioning to Complex Aircraft. Review the entire chapter (you may skip the section on Turbocharging). If you do not already have the Airplane Flying Handbook it can be downloaded free of charge from the FAA in PDF form here: Airplane Flying Handbook (complete document) or here: Airplane Flying Handbook Chapters 10 - 12 .

Some insurance companies require a minimum of 5 hours of dual and 25 take offs and landings with an instructor before a new complex pilot can fly the aircraft solo. In addition you can expect to spend up to two hours total in ground instruction to learn the new aircraft systems. I find this a good minimum to cover everything listed above and to get managing the plane's gear ingrained into the pilot's psyche. I will do my best to make you paraniod about the landing gear to the point that you will never trust it is down without double and tripple checking it. This is on purpose to make sure you stay firmly in the group of pilots that have never had an accidental gear up landing.

BANK OF AMERICA VALLCO PARK

• Branch Name: Vallco Park
• Service Type: Full Service Office
• State & County: California - Santa Clara
• City or Town: Cupertino
• Zip Code: 95014
• Phone Number: 408-725-2809 408-725-2809

BRANCH LOCATION

Office details.

Bank of America Vallco Park branch is one of the 3703 offices of the bank and has been serving the financial needs of their customers in Cupertino, Santa Clara county, California since 1961. Vallco Park office is located at 19376 Stevens Creek Blvd, Cupertino. You can also contact the bank by calling the branch phone number at 408-725-2809

Bank of America Vallco Park branch operates as a full service brick and mortar office. For lobby hours, drive-up hours and online banking services please visit the official website of the bank at www.bankofamerica.com. You can edit branch details by clicking here if you believe the information is incomplete, incorrect, out of date or misleading.

BRANCH HOURS

• ■ Monday: 10:00am - 4:00pm
• ■ Tuesday: 10:00am - 4:00pm
• ■ Wednesday: 10:00am - 4:00pm
• ■ Thursday: 10:00am - 4:00pm
• ■ Friday: 10:00am - 4:00pm
• ■ Saturday: Closed
• ■ Sunday: Closed

Bank of America Vallco Park is open Monday to Friday and closed on Saturdays and Sundays. The branch opens at 10:00am in the morning. Working hours for Vallco Park branch are listed on the table. Note that this data is based on regular opening and closing hours of Bank of America and may also be subject to changes. Please contact Vallco Park branch prior to your visit to confirm their hours of operation and availability.

BANK INFORMATION

• Bank Name: Bank of America
• Bank Type: National Bank
• FDIC Insurance: Certificate #3510
• Routing Number: N/A
• Online Banking: bankofamerica.com
• Branch Count: 3703 Offices in 38 states

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