commonwealth gold card travel insurance

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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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Full List of Travel Insurance Benefits for the Amex Gold Card [2023]

Christine Krzyszton

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Car rental loss and damage insurance, trip delay insurance, baggage insurance plan, travel accident insurance, emergency travel assistance, no foreign transaction fees, additional travel benefits, final thoughts.

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The American Express ® Gold Card is known for being a go-to card for everyday purchases at restaurants and at U.S. supermarkets. The card also doubles as a travel rewards card offering elevated earnings on select flight purchases and a nice selection of flexible travel redemption options.

The card is far less known for its travel insurance benefits. Today, we’re turning the spotlight on some of the useful travel insurance benefits that come with the card and talking about how these benefits can add value to the cardholder.

First, let’s look at the overall earning and redemption features of the Amex Gold card, then jump right into the list of travel insurance benefits you can expect to find on the card.

Amex Gold Card — Snapshot

American Express ® Gold Card

This is the best card for food lovers who dine out at restaurants (worldwide), order take-out and want big rewards at U.S. supermarkets!

The American Express ® Gold Card  is a game-changer.

With this card, you can earn 4x Membership Rewards points at restaurants and you’ll also earn 4x Membership Rewards points at U.S. supermarkets on up to $25,000 per calendar year in purchases, then 1x.

There isn’t another card on the market that offers a 1-2 punch like this. Of course, there are several other benefits of the Gold Card as well, including extra monthly dining rewards and more.

• 4x points per dollar at restaurants, plus takeout and delivery in the U.S.
• 4x points per dollar at U.S. supermarkets, up to $25,000 per calendar year in purchases; and 1x thereafter
• 3x points per dollar on flights purchased directly from airlines or at Amex Travel
• Up to $120 annual dining credit: up to $10 monthly statement credit when you pay with the Amex Gold card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com , Milk Bar and select Shake Shack locations
• Up to $120 in annual Uber Cash : get $10 monthly in Uber Cash for Uber Eats orders or Uber rides in the U.S. when you add your Gold Card to your Uber account
• No foreign transaction fees (see rates and fees )
• Access to Amex’s The Hotel Collection
• Access to American Express transfer partners
• $250 annual fee (see rates and fees )
• No lounge access
• Earn 60,000 Membership Rewards ® points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership.
• Earn 4X Membership Rewards ® Points at Restaurants, plus takeout and delivery in the U.S., and earn 4X Membership Rewards ® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
• Earn 3X Membership Rewards ® points on flights booked directly with airlines or on amextravel.com.
• $120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.
• $120 Dining Credit: Satisfy your cravings and earn up to $10 in statement credits monthly when you pay with the American Express ® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and select Shake Shack locations. Enrollment required.
• Get a $100 experience credit with a minimum two-night stay when you book The Hotel Collection through American Express Travel. Experience credit varies by property.
• Choose the color that suits your style. Gold or Rose Gold.
• No Foreign Transaction Fees.
• Annual Fee is $250.
• Terms Apply.

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• APR: See Pay Over Time APR
• Foreign Transaction Fees: None

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Hot Tip:  Check to see if you’re eligible for a welcome bonus offer of up to 90,000 points with the Amex Gold card. The current public offer is 60,000 points. (This targeted offer was independently researched and may not be available to all applicants.)

We like that you can jumpstart your earnings with a generous welcome bonus after meeting minimum spending requirements in the first 6 months after card approval.

The Amex Gold card also strikes a nice balance between functioning as an everyday spending card and offering accelerated earnings on flights. It also offers flexible travel redemption options.

You’ll earn 4x Membership Rewards points at restaurants worldwide and at U.S. supermarkets (on up to $25,000 in purchases each year). Plus, you’ll receive 3x earnings on flights purchased directly with the airline and via AmexTravel.com .

With monthly statement credits for select purchases, it’s easy to find enough value to offset the annual fee.

When it’s time to use your rewards, you’ll have options such as redeeming points for flights via AmexTravel.com or transferring your points to the American Express transfer partners for even more potential value.

Amex Gold Card — Travel Insurance Benefits

While the Amex Gold card doesn’t come with a long list of comprehensive travel benefits, you’ll find these core travel insurance benefits useful for saving money and for access to assistance should something go wrong during your journey.

Having car rental insurance can save you money and provide a level of peace of mind when renting a vehicle . The Amex Gold card comes with secondary car rental insurance that would require you to first file a claim with any other applicable insurance before card coverage kicks in.

Secondary coverage can still be valuable coverage, but there is another car rental coverage option included on the card that is a much better choice.

Premium Protection

The option to purchase Premium Protection car rental insurance on the Amex Gold card is a game changer.

You’ll pay one low price of $12.25 to $24.95 for the entire period, up to 42 total days, for primary theft and damage coverage. The actual rate will depend on your state of residence and the level of coverage chosen. Note that this is not a per-day rate like the car rental agencies charge.

Just enroll in the coverage via your online card account, then whenever you charge your rental car to your card, you’ll have the coverage automatically. You are not charged prior to renting a car.

There is no deductible. Accidental death/dismemberment coverage is included. Liability coverage, uninsured/under-insured motorist coverage, or disability coverage is not included.

Cardholders and authorized listed drivers are covered.

Applicable coverages for both secondary and Premium Protection include rental car damage, theft, and loss of use.

Coverage is not available when renting vehicles in Australia, Ireland, Israel, Italy, Jamaica, and New Zealand.

There are several additional exclusions, including the theft of an unlocked vehicle, illegal activity, intoxication of the driver, and war. Access the Guide to Benefits for a complete list of exclusions, terms, and conditions.

Filing a Claim

You can file a claim online or call 800-338-1670. You must file the claim within 30 days of the event and submit the required claim form within an additional 15 days. You’ll then have 60 days to submit the required documentation.

Bottom Line: The Amex Gold card comes with secondary car rental insurance with the option to purchase primary Premium Protection for one low rate that covers the entire rental period. 

To be eligible for trip delay insurance, you must pay for your entire trip with your Amex Gold card, associated rewards, or a combination of the 2. Using airline vouchers, certificates, or discounts, such as those associated with your frequent flyer account, in combination with your card, are also acceptable. Eligible travelers include family members, travel companions, and a spouse or domestic partner.

Trip delay insurance reimburses an eligible traveler for incidental expenses incurred after a 12-hour or greater trip delay. Eligible expenses can include lodging, meals, toiletries, medication, and necessary personal items.

Eligible Losses and Coverage Limits

The following types of losses are eligible covered losses :

• Inclement weather preventing a traveler from beginning a trip or continuing on a trip
• Terrorism or hijacking
• A common carrier’s equipment failure (documented)
• Lost/stolen travel documents, such as passports

You could receive up to $300 per trip with a limit of 2 claims per card, per 12-month period. Coverage is secondary to any other applicable coverage including reimbursement by the airline.

Loss exclusions include prepaid expenses, losses that were known to the public or the traveler prior to the trip, and intentional acts by the covered traveler. Access the card’s  Guide to Benefits for more details on loss exclusions under trip delay coverage.

You’ll have 60 days from the date of the loss to file a claim. You can do so by calling 844-933-0648 or the number on the back of your card to be directed to the claims department.

You’ll then have 180 days to submit the required documentation, which can include a statement from the common carrier validating the delay, receipts, your card statement showing the trip charge, and other requested supporting information.

Bottom Line: The Amex Gold card comes with trip delay insurance that provides up to $300 per trip for eligible expenses incurred after a 12-hour or greater delay due to a covered loss. 

To be eligible for baggage insurance, pay for your common carrier ticket entirely with your Amex Gold card and/or associated rewards. Trips paid for, in full or in part, with non-American Express rewards such as airline loyalty programs are not eligible.

You, your spouse or domestic partner, children under 23, and certain dependent handicapped children are covered for baggage insurance as long as the trip is paid for in full with your card and/or associated rewards.

Lost, damaged, or stolen baggage is covered, except in the event of war, government confiscation, or acts arising out of customer actions, for the following coverage limits.

High-risk items such as jewelry, gold, silver, platinum, electronics, furs, and sporting equipment, are limited to $250 per item maximum, per trip. 

Certain items are not covered under baggage insurance — here is a condensed list of those items:

• Credit cards, cash, securities, or money equivalents (such as money orders or gift cards)
• Travel documents, tickets, passports, or visas
• Plants, animals, or food
• Glasses, contact lenses, hearing aids, prosthetic devices, and prescription or non-prescription drugs
• Property shipped prior to departure

You’ll have 30 days from the date of the loss to file a claim. To file a claim, you can go online or call 800-228-6855 within the U.S. To call from outside of the U.S., call 303-273-6498 collect.

You’ll then have 60 days to submit supporting documentation including a list of items lost, receipts, a statement showing the trip was purchased with the card or associated rewards, and common carrier reports.

Please note that we have abbreviated coverage descriptions and all terms and conditions are not spelled out in their entirety. You’ll want to access the benefits guide for full information.

Bottom Line: You and certain family members are covered for baggage insurance of up to $1,250 per person when traveling with a common carrier. You’ll need to pay for your entire trip with your card or rewards associated with your card for coverage to be valid. 

Travel accident insurance that comes with the Amex Gold card pays a benefit in the unlikely event of accidental death or dismemberment of the primary card member, additional card member, spouse or domestic partner, or children under the age of 23.

The trip must be paid for with the Amex Gold card and/or associated Membership Rewards points (Pay With Points).

The coverage pays a benefit for death or severe injury suffered as a result of riding in, boarding, exiting from, or being struck by a common carrier.

The benefit paid is based on a table provided and can be up to $100,000.

Travel Benefits

While not travel insurance specifically, these additional benefits can provide assistance when planning a trip or if an unexpected event should disrupt your trip.

The Amex Global Assist Hotline provides important 24/7 assistance when traveling more than 100 miles from home. Receive help finding medical, legal, and translation referrals as well as assistance securing emergency transportation.

In addition, you could receive help securing a replacement passport or finding missing luggage.

You can reach the Global Assist Hotline at 800-333-2639. Outside the U.S., call 715-343-7977.

Actual services provided by third parties that incur costs are the responsibility of the cardholder.

Services are also not available in areas such as Cuba, Iran, Syria, North Korea, or the Crimea region.

You’ll want to include the Amex Gold card during your next trip, as the card does not charge foreign transaction fees ( rates & fees ).

Receive help planning your trip with Insider Fares via AmexTravel.com, upgrade your flights with points , American Express Travel Insurance , onsite benefits at The Hotel Collection , Amex Offers , and more.

While the Amex Gold card comes with several valuable travel insurance benefits, you would not select the card for this specific reason. The card shines when it comes to earning on select everyday purchases, for purchasing airline tickets, and its flexible travel redemption options. Those should be key reasons for selecting the card.

The fact that there are travel insurance benefits that come complimentary with the card is just one more reason to consider the card.

If having premium travel insurance benefits is a priority for you, you might consider the Chase Sapphire Preferred ® Card , The Platinum Card ® from American Express , the Chase Sapphire Reserve ® , or the Capital One Venture X Rewards Credit Card , all of which offer some of the best travel insurance benefits.

You can read about more credit cards with travel insurance  in our article on this specific topic.

For the car rental collision damage coverage benefit of the American Express Gold Card, car rental loss and damage insurance can provide coverage up to $50,000 for theft of or damage to most rental vehicles when you use your eligible card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car rental loss or damage coverage is offered through American Express Travel Related Services Company, Inc. For the trip delay insurance benefit of the American Express Gold Card, up to $300 per covered trip that is delayed for more than 12 hours; and 2 claims per eligible card per 12 consecutive month period. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company. For the baggage insurance plan benefit of the American Express Gold Card, baggage insurance plan coverage can be in effect for eligible persons for eligible lost, damaged, or stolen baggage during their travel on a common carrier (e.g. plane, train, ship, or bus) when the entire fare for a common carrier vehicle ticket for the trip (one-way or round-trip) is charged to an eligible account. Coverage can be provided for up to $1,250 for carry-on baggage and up to $500 for checked baggage, in excess of coverage provided by the common carrier (e.g. plane, train, ship, or bus). For New York State residents, there is a $10,000 aggregate maximum limit for all covered persons per covered trip. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. For the global assist hotline benefit of the American Express Gold Card, you can rely on the Global Assist Hotline 24 hours a day / 7 days a week for medical, legal, financial or other select emergency coordination and assistance services while traveling more than 100 miles away from your home. Third-party service costs may be your responsibility. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for more details. Card members may be responsible for the costs charged by third-party service providers.

The information regarding the Capital One Venture X Rewards Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.

For rates and fees of the American Express ® Gold Card, click  here . For rates and fees of The Platinum Card ® from American Express, click here .

Frequently Asked Questions

Does the amex gold card have travel insurance benefits.

While the list of travel insurance benefits on the Amex Gold card is not extensive, you will find coverage such as secondary car rental insurance, the option to purchase Premium Protection car rental insurance, trip delay, baggage insurance, a Global Assist Hotline, and travel accident insurance.

Does the Amex Gold card have trip interruption or trip cancellation insurance?

No. The Amex Gold card does not offer trip interruption or trip cancellation insurance. The card does come with trip delay insurance.

Does the Amex Gold card charge foreign transaction fees?

No. You will not be charged foreign transaction fees when using the Amex Gold card for foreign purchases ( rates & fees) .

Does the Amex Gold card cover lost luggage?

Yes, the Amex Gold card can cover lost, stolen, or damaged luggage. The coverage is secondary to any coverage or reimbursement received by the airline or other applicable insurance.

Does the Amex Gold card have good car rental insurance?

The Amex Gold card comes with secondary car rental insurance, which means that you must first file a claim with any other applicable insurance before card coverage kicks in. You will have the option, however, to purchase Premium Protection for one low rate that covers the entire rental period, up to 42 days.

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About Christine Krzyszton

Christine ran her own business developing and managing insurance and financial services. This stoked a passion for points and miles and she now has over 2 dozen credit cards and creates in-depth, detailed content for UP.

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How the Delta SkyMiles® Gold American Express Card’s Travel Insurance Works

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Whether you are traveling internationally or within the U.S., it is advantageous to have travel insurance if plans go awry. Many credit cards include some form of travel insurance to cover travel booked using the card.

The Delta SkyMiles® Gold American Express Card has some protections, but not all travel insurance policies are created equal. For example, who qualifies and under what circumstances? Here is what you need to know about Delta SkyMiles® Gold American Express Card travel insurance. Terms apply.

When does the Delta SkyMiles® Gold American Express Card provide coverage?

The insurance coverage that comes with the Delta SkyMiles® Gold American Express Card applies to the cardholder and traveling companions as long as they permanently reside in the U.S. and use the card to pay for the travel purchase. Terms apply.

The insurance will cover car rental loss or protection and baggage delay or damage, and it includes a global hotline for assistance. You must pay for the entire trip with the card. Using SkyMiles to cover the cost of the trip is not eligible for travel insurance benefits. Terms apply.

» Learn more: Common myths about travel insurance and what it covers

AmEx Delta travel insurance benefits and limits

The card provides only limited forms of travel coverage, which does not include if your trip gets canceled or delayed. It does include car rental coverage, bag delay assistance and a global assistance hotline for emergency help when traveling. Terms apply.

Car rental coverage

This is one of the biggest travel benefits that comes with the card, but it is secondary to other insurance you have. The cardholder must use the card to pay for the entire rental, although the use of certain coupons or discounts is allowed. You must be the cardmember or an authorized user on the card and have signed the rental agreement. Terms apply.

Your permanent residence must also be within the 50 U.S. states, the District of Columbia, Puerto Rico or the U.S. Virgin Islands. Terms apply.

» Learn more: Do Delta credit cards have rental car insurance?

To activate the coverage, you must decline the full collision damage waiver or pay for a partial collision damage waiver at the rental desk. The policy covers damage or theft to a rental vehicle up to $50,000, but several vehicle types are excluded from coverage including off-road vehicles, motorcycles, mopeds, vans with more than eight seats or cars rented in Italy, Australia or New Zealand, among others. Terms apply.

Global baggage protection

This type of insurance covers lost, delayed or stolen baggage, whether mishandled via an airline as a carry-on or checked item. The protection will provide a reimbursement of up to $1,250 per covered person or up to $250 per high-risk item like jewelry, sports equipment or computers. The card must have been used to pay for the eligible travel. Terms apply.

Checked bags are protected only when on the aircraft, while carry-on bags are protected on board the aircraft, at the airport and in transit to the airport. There are numerous exclusions to protection benefits, too, including sunglasses, contact lenses, hearing aids and prescription medication, among other items. Terms apply.

» Learn more: The guide to baggage insurance

Global Assist hotline

When traveling more than 100 miles away from home, you can take advantage of the Global Assist hotline for emergency coordination or assistance at any hour, as long as you’ve used your Delta SkyMiles® Gold American Express Card to pay for the trip. This can come in handy when you’re in a pinch. Terms apply.

The service can help with lost passports , wiring cash, providing medical or legal referrals or offering advice with a bag delay. While there is a fee for some of these services, it is good to have a resource to know where to start. Terms apply.

How to claim AmEx travel insurance

Filing an insurance claim with AmEx can be done online at americanexpress.com/onlineclaim or by calling 800-228-6855. Claim information is available in the documentation and benefits guide mailed to you when you receive the card.

Keep all supporting documentation because it will be required when filing a claim.

You must file a claim within a certain time period after an incident. Be sure to verify all deadlines to ensure you don’t miss out on coverage.

The documentation can include details from the airline or other transportation carrier about missing bags, receipts for purchases or other proof of covered items that were lost, damaged or stolen.

» Learn more: How much is travel insurance?

What if the card benefits aren’t enough?

Depending on the type of trip you take or the items you travel with, you may determine that Delta SkyMiles® Gold American Express Card travel insurance is not enough, especially because it doesn’t include trip interruption or delay insurance. That’s why you may want to consider purchasing additional coverage.

To search for a policy, contact your insurance provider or check out an insurance comparison site such as Squaremouth. There are numerous kinds of policies , including travel medical insurance, long-term travel insurance or “Cancel For Any Reason” insurance . The latter is often an upgrade to existing coverage but can refund a large chunk of your expenses — no matter what the reason for cancellation.

» Learn more: The best travel insurance companies

Delta SkyMiles® Gold American Express Card travel insurance, recapped

Whether you use travel insurance that comes with your credit card or buy another policy, it is helpful to know you have coverage in the event of a trip mishap or emergency. Be familiar with the intricacies of each plan because they can vary.

The Delta SkyMiles® Gold American Express Card travel insurance offers basic protections that can help when hiccups occur along the way, but it does not provide the most comprehensive protections that other cards may have . Terms apply.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024 , including those best for:

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

on Chase's website

1x-5x 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.

on Capital One's website

2x-5x Earn unlimited 2X miles on every purchase, every day. Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options.

75,000 Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel.

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Moscow introduces a special card for tourists

From December 1, Moscow guests can purchase a special tourist card, which will help them save money while visiting museums, restaurants and attractions of the capital. For Moscow, it will be the first experience. The tourist card will be named Moscow Pass.

In Russia, Moscow Pass will cost 2,400 rubles, while abroad 59.99 euros, – informs the newspaper “Vedomosty”. Card validity period is three days from the date of activation.

The list of museums, which will be free for owners of Moscow Pass, will include the Museum of World War II of 1812, the Museum of Contemporary Russian History, the Museum of Russian Icons, and the State Historical Museum. In addition, the cardholders will be offered free walking and motor-ship tours, as well as restaurant discount of 10-20% with Moscow Pass.

As the card developers report, its main task will be to participate in the program of the Moscow Government to attract tourists to the capital. It is known that in many major cities around the world such tourist cards have long existed and were successfully used. For example, this card can be bought by travelers in New York, Berlin, Prague, London, and Paris. Last year, the similar card got on sale in St. Petersburg.

Later, it is planned to expand the Moscow Pass range: according to the list of free museums and the number of discounts the cost of the card will vary. So far, the only type of tourist card are available to travelers in hotels “Baltschug Kempinski”, “National”, “Lotte Hotel”, “Ararat Park Hyatt”, “Marriott Royal Aurora” and several other well-known hotels of the capital, as well as in travel agencies and museum ticket offices.

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Coronavirus support for credit & debit card travel insurance

Cancellation, i already have a policy, but i don’t want to go ahead with my trip because i’m concerned i might contract coronavirus. am i covered if i cancel my trip.

The policy has a general exclusion for pandemics.

It states:  We will not pay for claims caused by, or claims arising from, an epidemic, pandemic or outbreak of a contagious disease or any derivative or mutation of such viruses, or the threat or perceived threat of any of these. Refer to  who.int  and  smartraveller.gov.au  for further information on epidemics and pandemics.

Therefore, there’s no cover for cancellation due to concerns about coronavirus.

I already have a policy for my upcoming trip, but I want to cancel the trip now. Will my cancellation costs be covered?

There’s no cover for cancellation if you cancel your trip due to the impact of coronavirus. We encourage you to contact your own travel agent, transport provider, accommodation or tour operator to discuss any actual or proposed changes to travel plans. Your travel provider can provide you with more information about your options for adjusting your travel itinerary or getting a refund.

If my travel provider cancels my arrangements due to coronavirus, will my cancellation costs be covered under my policy?

No, there’s no cover for cancellation because of the impact of the coronavirus pandemic. We recommend all travellers contact their travel provider(s) to discuss any actual or proposed changes to travel plans. Your travel provider can give you more information about your options for adjusting your travel itinerary or getting a refund.

If my travel provider cancels my arrangements and offers me a full refund, but I can’t get a refund for my other prepaid travel expenses, can I claim those?

No, there’s no cover for cancellation because of the impact of the coronavirus pandemic.

If I contract coronavirus and can’t go on my trip, will I be covered by my policy?

If i’m placed in self-isolation and can’t go on my trip, will i be covered by my policy, i haven’t activated my travel insurance cover, but i want to now. will i be covered for cancellation due to coronavirus.

No, there’s no cover for cancellation due to the coronavirus pandemic as there’s a general exclusion on the policy. It’s also a known event, which is excluded from the policy.

If I catch coronavirus while travelling overseas and need medical treatment, what should I do?

If you’re overseas and have been directly affected by coronavirus and need medical help, please call the Cover-More 24-hour emergency assistance team immediately on +61 2 8907 5619.

COVID-19 cover under the Overseas Emergency Medical and Hospital Expenses benefit is now available on eligible CommBank cards for travellers whose journey commenced on or after 10 August 2022, or who activated their policy on or after 10 August 2022. There is no COVID-19 cover for cruise travel. Terms and conditions apply. Please refer to the PDS.

What if I’ve returned home and have to self-isolate? Is there any cover?

Once you’re back in Australia, there’s no cover under the policy. For example, this means there’s no cover for any medical expenses, out-of-pocket expenses, or loss of income once you’re back in Australia.

If, despite the Australian Government’s advice not to travel, I need to travel overseas, will my policy still cover me for medical expenses unrelated to coronavirus?

‘Overseas Medical Expenses’ and ‘Additional Expenses If You Become Sick’, as defined in your policy, are still covered, as long as they’re unrelated to coronavirus if you choose to travel overseas after the 15 March 2020 Australian Government advice.

Remember – it’s a condition of the policy that you must take all reasonable steps to prevent or minimise a claim. Claims will be assessed in accordance with your policy, taking into account the circumstances of your claim, when you purchased your policy, advice publicly available prior to your entry to a region, where you are travelling to, and the dates of your trip.

Currently overseas

I’m already overseas and want to return to australia (and the smart traveller advice is recommending i do so as soon as possible). will i be covered for my extra travel costs.

The policy has a general exclusion for pandemics. Therefore, you won’t be covered for additional expenses relating to any changes to your trip. 

I’m overseas and having trouble getting travel bookings to return home. Will my travel insurance policy automatically extend until I’m able to return home?

No – you’ll need to contact Cover-More to request an extension and pay any required additional premium, whether you’re genuinely stuck overseas or decide to remain overseas.

What if I’m quarantined overseas? Is there any cover for additional expenses?

The policy has a general exclusion for pandemics. Therefore, you won’t be covered for additional expenses relating to being quarantined, whether you have coronavirus or not.

However, if you’re a CBA credit or debit cardholder, the Cover-More 24-hour assistance team can support you with non-financial assistance, such as assisting with changes to travel arrangements including flights, accommodation and ground transfers. We encourage you to contact your travel agent, transport provider, accommodation or tour operator to check what they can provide under these circumstances.

If my transport is delayed or I miss a connection due to the impact of coronavirus, will you pay my claim for that?

No, there’s no cover for travel delays or missed connections because of the impact of the coronavirus pandemic.

Claims unrelated to coronavirus

If i want to make a claim for an event unrelated to coronavirus, will there still be cover.

If your claim is unrelated to coronavirus, it will be assessed as normal in accordance with the terms, conditions and exclusions in your relevant Product Disclosure Statement ( Credit Card Insurances Product Disclosure Statement  or  World Debit Mastercard insurances Product Disclosure Statement and Information Booklet )I

General Information

What is a pandemic and epidemic.

Your travel insurance product disclosure statement (PDS) ( Credit Card Insurances Product Disclosure Statement  or  World Debit Mastercard insurances Product Disclosure Statement and Information Booklet ) includes  definitions of ‘pandemic’ and ‘epidemic’ that are used for the purposes of your travel insurance policy wording.

An ‘epidemic’ means a fast-spreading contagious disease or illness in an area, as documented by a recognised public health authority. A ‘pandemic’ means an epidemic that’s expected to affect an unusually large number of people or involves an extensive geographic area.

It’s important that you refer to your PDS for any specific details about your travel insurance cover.

Is coronavirus (COVID-19) considered both an epidemic and pandemic?

For the most up-to-date information on coronavirus (COVID-19), please refer to the  World Health Organization (WHO)  and  Smart Traveller  websites.

Where should I go for information regarding coronavirus (COVID-19)?

Stay up-to-date on information about coronavirus (COVID-19) from the  Department of Foreign Affairs and Trade (DFAT) Smart Traveller website  and the  World Health Organization (WHO) .

If you are currently overseas or if you have further questions around what you’re covered for or need to make a claim, contact Cover-More:

• Within Australia: call Cover-More on 1300 467 951
• From overseas: call Cover-More on +612 8907 5060  (call charges may apply)
• Or Email: [email protected]

Things you should know

This information must be read in conjunction with the Product Disclosure Statement (PDS) as certain terms, conditions, limits, and exclusions apply. These terms, conditions, limits and exclusions are detailed in the PDS and we draw your attention to ‘’Overseas Travel Insurance’ and ‘General Exclusions’ sections of the PDS. Any advice is general advice only.

Insurance is provided by Zurich Australian 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 Australia (CBA).

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. 

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Moscow and St. Petersburg present a new tourist pass

Russia has introduced a new tourist pass called PassCity , which will be of use not only to foreign travelers who have come to Russia for a few days, but also to students from overseas and expatriates whose stay extends to a few months and more. PassCity has apps available for Android and iOS with free audio guides in English and Chinese.

PassCity has become Russia's first pass which is valid in two cities at once and covers all the major museums of Moscow and St. Petersburg. The price for a tourist pass for 3/5/7/10 days varies from $80 (1 person, 3 days - 5190 rubles ) to $230 (2 people, 10 days - 14,390 rubles ). A 90/180/360-day pass costs from $ 64 (1 person, 90 days -  3990 rubles  ) to $160  (2 people, 360 days - 9990 rubles ).  The package for several days was designed for tourists and includes an unlimited number of museum visits per day, as well as public transit. The 3/6/12-month card is meant for temporary residents of the cities and covers one museum visit a day, without access to public transit.

Apart from admission to museums, the pass gets you free coffee in the DoubleB chain of coffee shops , several trips on the airport express in Moscow, and subway rides in St. Petersburg or by taxi ordered through the Yandex.Taxi service.  

For the practical and the cautious

The Voxxter team spent more than two years developing the pass; while working on it, they established partnerships with Mastercard, Yandex.Money , Yandex.Taxi (a Russian taxi service similar to Uber ), and DoubleB , a popular chain of coffee shops in St. Petersburg and Moscow.  

PassCity is as easy to use as a regular credit card: It uses the Mastercard payment system, and the chosen package of services is activated upon purchase. You can deposit money on the card and use it to pay for other goods and services: Using an extra credit card instead of your primary card when traveling is a sensible security measure.

Cards are delivered through a system that has recently gained popularity among Internet banks. "You can order the pass online or through the app, and our courier will deliver it where and when you decide, for instance, your hotel, or the railway station where the airport express arrives. Our customers have confirmed that this is a lot more convenient than having to look for a sales office in an unknown city," explains Maksim Ivlev, Voxxter CEO.

Voxxter believes the pass could be useful for tourists who come to Russia to watch upcoming sporting events, including the 2018 FIFA World Cup.

If using any of Russia Beyond's content, partly or in full, always provide an active hyperlink to the original material.

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Mailing Address: 875 Perimeter Drive MS 1250 Moscow, ID 83844-1250

Phone: 208-885-8984

Fax: 208-885-2859

Email: [email protected]

Education Abroad

Phone: 208-885-7870

Email: [email protected]

University Requirements

International student fees.

The International Student Fee , implemented in 2009, allows the staff of International Services to provide a comprehensive package of services and activities to serve and support the growing population of international students at the University.

The International Student Orientation Fee was also implemented in 2009. International Services strives to provide new international students with the greatest assistance possible as they settle into their surroundings in Moscow. As such, attendance at the multi-day international student orientation is required for all new students. This orientation includes a complete immigration workshop, cultural activities, access and information to many important academic, social and health-related resources, and provides several meals and interaction with peers and current students.

Health Insurance

The University of Idaho requires international students to enroll in the University of Idaho Student Health Insurance Program (SHIP) .

• You are automatically charged for SHIP when you register for classes. You will see SHIP on your bill from the University of Idaho for each semester. You do not have to fill out any forms.
• If you have dependents, then you need to enroll them an independent medical insurance plan.
• Find out the cost of SHIP and details of coverage .

Please Note: You and your dependents are required to have health insurance the day you enter the U.S. To activate your SHIP insurance coverage prior to the first day of your enrollment, email [email protected] with your name, V#, and date of arrival in the U.S.

Alternative Health Insurance Requirements

J-1 students and dependents of students are required to have health insurance that meets or exceeds the U.S. Department of State requirements. Those requirements are as follows:

• Benefits of at least $50,000 per accident or illness
• A deductible not to exceed $500 per accident or illness
• Co-payment amount not greater than 25% so that the insurance pays at least 75% of charges
• Accident and illness coverage (to include maternity insurance)
• Repatriation coverage (a type of life insurance whereby the deceased is returned to their home country)
• Medical evacuation coverage (If the student is too ill to attend school, this pays for the student to return to their home country.)

Authorized Exceptions to SHIP

• Foreign Embassy Sponsored Students: All embassy sponsored plans that have full medical coverage (pay full medical expenses incurred in the U.S.) are accepted as an authorized alternative plan to SHIP (Royal Embassy of Saudi Arabia, Embassy of the State of Kuwait, Libya, etc.). A sponsor letter stating full medical benefits are paid for the student (and dependents), a copy of the insurance card, and page 1 of the insurance waiver form signed by the student must be submitted to International Services before a SHIP waiver will be processed.
• Engineering Outreach or other Outreach students (taking only Outreach courses) will automatically have a SHIP waiver because they will not be on the U of I campus. If your insurance was not waived, please email [email protected]
• Students at the Idaho State University/University of Idaho Center in Idaho Falls who are registered for classes at Idaho State University (must show Idaho State University registration and insurance) 
• Washington State University students taking concurrent classes at the University of Idaho are ineligible for SHIP at all times.
• H-1B or J-1 scholars taking courses at the University of Idaho must show their insurance cards to International Services for a SHIP waiver.
• Exchange students through another university that are on the University of Idaho Study Abroad Program and are out of the U.S. in another country will not be charged for SHIP insurance.