| Card | International travel insurance | Domestic travel insurance | Rental vehicle excess in Australia insurance | Purchase protection insurance | Extended warranty insurance |
|---|---|---|---|---|---|
Yes | Yes | Yes | Yes | Yes | |
Yes | Yes | Yes | Yes | Yes | |
Yes | Yes | Yes | Yes | Yes | |
Yes | Yes | Yes | Yes | Yes | |
Yes | Yes | Yes | Yes | Yes | |
No | No | No | Yes | Yes |
If you have an eligible ANZ credit card, you may be able to use this cover when you meet the eligibility requirements in the insurance policy booklet, including (but not limited to):
Cover may also be available for your spouse and/or eligible dependents when both you and they meet the requirements in the policy information booklet.
If you need written confirmation of cover, you can also visit http://www.checkyourcover.com.au/anz or call Allianz on 1300 135 271 for more details.
Here, we've broken down the key options for different types of claims and situations. But remember: you should always read the insurance policy booklet for complete details of the cover.
| Benefit | Claim limit for people under 81 years of age | Excess payment (per claim) |
|---|---|---|
Overseas emergency assistance (including medical evacuation and repatriation) | $20 million | $0 |
Overseas emergency medical | $20 million | $500 |
Overseas Emergency Dental (spontaneous toothache) | Up to $2,000 per cardholder or spouse Note: Any claims for dependants will come out of the limit for the cardholder and/or their spouse | $500 |
Hospital cash allowance | Up to $75 per person, up to a maximum total limit of $8,000 per cardholder or spouse. Dependants are included in the limit available to the cardholder or spouse. Note: Any claims for dependants will come out of the limit for the cardholder and/or their spouse | $0 |
Assault requiring hospitalisation | $500 per person | $0 |
Loss of income | Your verified income per week, up to a maximum total limit of $10,000 per cardholder or spouse. No cover is available for dependants. | $0 |
Permanent disability | $50,000 per cardholder or spouse. Dependants are included in the limit available to the cardholder or spouse. | $0 |
Additional expenses | $100,000 | $500 |
Please note that each travel claim is subject to an assessment and there may be an excess applicable.
| Benefit | Claim limit for people under 81 years of age | Excess payment (per claim) |
|---|---|---|
Cancellation | Up to $20,000 total, with the following sub-limits:
| $500 |
Travel delay | After 6 consecutive hours, up to $50 for food and $250 for accommodation per cardholder or spouse in each 24-hour period, with a maximum claim amount of $2,000 per cardholder or spouse. Dependants are included in the limit available to the cardholder or spouse. | $0 |
Domestic pet accommodation | Up to a maximum total limit of $500 per cardholder or spouse. Dependants are included in the limit available to the cardholder or spouse. | $0 |
Alternative transport | Up to $2,000 per cardholder or spouse. Dependants are included in the limit available to the cardholder or spouse. | $0 |
Return home and resumption of journey (including following the death of a relative) | Up to a maximum total limit of $3,000 per cardholder or spouse. Dependants are included in the limit available to the cardholder or spouse. | $0 |
Rental vehicle excess | Rental vehicle theft or damage: Up to a maximum total limit of $5,000 per cardholder or spouse. Dependants are included in the limit available to the cardholder or spouse. Return of rental vehicle: | $0 |
Withdrawal of services (accommodation) | Up to $50 per person per 24 consecutive hours, up to a maximum total limit of $500 per cardholder or spouse. Dependants are included in the limit available to the cardholder or spouse. | $0 |
| Benefit | Claim limit for people under 81 years of age | Excess payment (per claim) |
|---|---|---|
Luggage | Up to a maximum total limit of $12,000 per cardholder or spouse, dependants are included in the limit available to the cardholder or spouse. Sub-limits may apply, please refer to the insurance policy booklet. | $500 |
Travel documents, transaction cards and traveller’s cheques | Re-issue or replacement costs: Up to a maximum total limit replacement cost of $3,000 per cardholder or spouse. Dependants are included in the limit available to the cardholder or spouse. Fraudulent use of transaction cards or traveller’s cheques: Up to a maximum total limit of $3,000 per cardholder or spouse. Dependants are included in the limit available to the cardholder or spouse. | $0 |
Luggage delay | Up to $500 after a delay of 10 consecutive hours, and an additional $1,000 after a delay of 72 consecutive hours, up to a maximum total limit of $1,500 per cardholder or spouse. Dependants are included in the limit available to the cardholder or spouse. | $0 |
Replacement sporting equipment | Up to a maximum total limit of $200. Dependants are included in the limit available to the cardholder or spouse. | $0 |
Yes, if you are diagnosed with COVID-19 or another epidemic/pandemic illness, this insurance offers cover for claims relating to:
Please contact Allianz if you have a pre-existing medical condition and would like to know if you will be covered under the ANZ complimentary insurance policy.
If it's an emergency, call Allianz on +61 7 3305 7465 when you're overseas or 1300 135 271 in Australia. You can also submit a claim online by following these steps:
You will be contacted about your claim within 10 business days, according to the online claims website.
With insurance claims, include as many details as you can. This makes it easier for the insurer to look at the claim and your eligibility for a payout. Some examples include:
Tip: Use a travel wallet or create an online folder to keep all your important documents together. This could include your passport, itinerary, printed tickets, a copy of the ANZ card insurance policy booklet – plus anything that could become supporting documentation for claims.
Call Allianz on 1300 135 271 in Australia or +61 7 3305 7465 from overseas. You can lodge your claim online at https://claimmanager.com.au/anz/agreement or email ANZTravelTeam@allianz-assistance.com.au. or email ANZTravelTeam@allianz-assistance.com.au.
ANZ credit cards give you access to other types of insurance for items you buy. Here's a basic explainer of each one:
Don’t have complimentary insurance on your credit card yet? Compare ANZ credit cards or other cards that offer insurance.
All ANZ business credit cards offer complimentary unauthorised transaction insurance. Some also offer complimentary international travel insurance and transit accident insurance. Here’s a summary for different ANZ business cards:
| Card | International travel insurance | Transit accident insurance | Unauthorised transaction insurance |
|---|---|---|---|
Yes | Yes | Yes | |
No | Yes | Yes | |
No | Yes | Yes | |
No | Yes | Yes |
Have an ANZ credit card that’s not on this list? Check the terms and conditions available on the ANZ website to see if your card is eligible. Or, look at ANZ travel insurance you can get without a credit card.
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This platinum card offers a $0 first-year annual fee, $100 credit back offer and complimentary insurance covers.
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The ANZ Rewards Platinum Credit Card offers a competitive rewards program, 100,000 bonus ANZ Reward Points and a range of complimentary insurance covers.
Save with a 0% p.a. interest rate on balance transfers for 26 months. Plus, pay a $0 annual fee for the first year and 13.74% p.a. purchase rate.
Earn Qantas Points as you spend, enjoy complimentary travel insurance and take advantage of an introductory offer on the ANZ Frequent Flyer Platinum.
This entry-level card offers a $0 first-year annual fee, $125 credit back offer and mobile payments through Apple Pay, Google Pay and Samsung Pay.
Hi
I am trying to print out confirmation of cover as I will have paid in excess on 50% of my travel. However I am away for 4 months but the system will only allow me to enter dates of 3 months
Hi Kevin – thanks for your question. First thing to check is whether your credit card insurance is limited to 3 or 6 months. Having a look at the ANZ credit card insurance booklet, there’s a difference between the maximum trip length depending on the type of car you have:
If you have the Platinum card, then the complimentary travel insurance won’t be able to cover a 4 month trip. Unfortunately, credit card insurance policies are rarely able to be extended – though you can give ANZ a call and see if they’re able to make an arrangement for you. If they can’t, you’ll need to pick up a separate travel insurance policy.
If you have the ANZ Black Credit Card, then it sounds like something weird is happening on the website. In that case, give ANZ a call and see if they can help you out with a custom certificate.
Best of luck!
I have an ANZ platinum credit card which I will be using overseas in Japan and Bali and used to book flights and accommodation, do I travel insurance for me and my partner when we are abroad?
Hi Angelo,
To activate this cover, you must spend at least $250 on your prepaid travel costs (such as flights, accom or tours) before leaving Australia on your ANZ platinum card. If you have already purchased flights using the card, then you’ve met this condition already. There are other conditions too: you must be aged under 81, an Australian resident, your account must be current/not be in default and you have a return ticket, with a travel period of less than six months. Your spouse is also covered, as long as they travel with you for at least 50% of the trip.
The full terms and conditions, and information on what the insurance covers, is available here. Enjoy your trip!
Do you get the same travel insurance for domestic travel if you purchase at least $250 of you travel cost before you travel? And you have a return ticket?
It says this for international travel:
International travel insurance conditions:
if you pay for Prepayment of at least $250 of your travel costs before you leave Australia
Having a return overseas travel ticket to Australia before the start of your trip
Hi Suzanne,
The ANZ insurance booklet also mentions domestic travel like this:
As a cardholder with an ANZ Credit Card you are eligible for the
cover available if:
a] the entire cost of your return domestic flight ticket is charged to the account holder’s card account prior to commencing the journey; or
b] before commencing your journey, you spend at least $250 on your prepaid travel costs and you charge these costs (e.g. cost of your return domestic travel ticket; and/or airport/departure taxes; and/or your prepaid domestic accommodation/travel; and/or your other prepaid domestic itinerary items) to the accountholder’s card account and you have a return domestic flight ticket prior to commencing the journey.
does international travel insurance cover, cover cardholder and partner or just cardholder
Hi Jason,
The card’s cover will typically apply to a partner if they are travelling with you. Check the terms and conditions that apply to the specific card. For example, if you look at the terms and conditions for the ANZ Platinum and Black cards (page 15, Who is Eligible?) it mentions when cover applies to spouses and dependents.
If I have a relevant card is myself and spouse covered for insurance purposes on a cruise trip up the queensland coastline to port douglas and back including willis island ?
Hello Noel,
The PDS for ANZ’s complimentary card insurance defines overseas travel as being “outside of Australia and its territories, and includes when you are aboard a foreign registered cruise vessel in Australian territorial waters.” So it may be covered as an international trip even if you are still in Australian waters.
I suggest contacting ANZ directly to be 100% sure.