ANZ credit cards with complimentary international travel insurance offer comprehensive cover for up to 3 or 6 consecutive months when you travel overseas.
You'll get cover when you meet the requirements before travelling (e.g. by paying for your trip with the card).
Your spouse and dependants travelling with you can also get cover, but there are some requirements and exclusions.
Do you have a question or need to make a claim right now? Call the insurance provider, Allianz, on 1300 135 271 (from Australia) or +61 7 3305 7465 (from overseas).
Which ANZ credit cards have complimentary travel insurance?
⚠️ Important: This guide is based on details in the ANZ complimentary credit card insurance policy booklets effective 7 June 2024. Please refer to anz.com/allianz for the most up to date information on ANZ complimentary credit card insurance.
How can you access ANZ credit card international travel insurance?
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):
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
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.
What's covered by ANZ complimentary international travel insurance?
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.
Medical, dental and emergencies cover with an ANZ credit card
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.
ANZ complimentary international travel insurance for cancellation, delays, accommodation and transport
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:
Travel agents' cancellation fees: Up to a maximum of $2,000 per person (or less if the commission booking fee is lower)
Rescheduling your journey: Up to $75 per day with a total of $500 for meals and up to $250 per person for internet and phone costs involved in the rescheduling.
$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: Up to a maximum total rental vehicle limit of $750 per cardholder or spouse. Dependants are included in the limit available to the cardholder or spouse.
$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
Luggage and personal items cover offered with ANZ credit card complimentary insurance
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
Does ANZ complimentary credit card travel insurance cover pandemics?
Yes, if you are diagnosed with COVID-19 or another epidemic/pandemic illness, this insurance offers cover for claims relating to:
Overseas emergency assistance (including medical evacuation and repatriation)
Overseas emergency medical
Cancellation
Additional expenses
Pre-existing medical conditions
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.
How to make a claim through your ANZ credit card complimentary international travel 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:
Confirm you agree with the terms and conditions, then select "Create new claim"
Select the "Credit card insurance" option and provide details of your card
Fill in the details on the claim form and upload your supporting documentation
You will be contacted about your claim within 10 business days, according to the online claims website.
What to include in your claim
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:
A referral or letter from a doctor or other professional you see in relation to a claim
Photo evidence
Police reports
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.
Other types of ANZ complimentary credit card travel insurance
Domestic travel insurance
What is it? Cover for specific issues that come up when you're travelling to a different state or territory in Australia. This includes:
Cancellation: Up to a maximum total limit of $3,000 for all claims combined.
Flight delay expenses: After 4 hours or more, $125 per person up to a maximum of $300.
Additional expenses: Up to a maximum total limit of $3,000.
Luggage: Up to $750 for each covered item, up to a maximum total limit of $2,000.
Luggage delay: After 4 hours or more, $125 per person up to a maximum total limit of $300 for all claims combined.
Is there an excess cost? There is a $100 excess cancellation, additional expenses and luggage claims.
Rental vehicle excess in Australia insurance
What is it? Maximum total limit of up to the amount specified in your rental vehicle agreement or $5,000, whichever is the lesser for all claims combined during the rental.
When can I use it? If you’ve used your ANZ credit card to pay the full cost of the vehicle rental.
Is there an excess cost? $100 per claim.
How to make a claim under one of these policies
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 card complimentary insurance for shopping
ANZ credit cards give you access to other types of insurance for items you buy. Here's a basic explainer of each one:
Purchase protection insurance: Offers cover for up to 90 days when you buy a new item with your eligible card and it's then stolen, accidentally damaged or lost. It covers household and personal items such as laptops, shoes, jewellery and glasses.
Extended warranty insurance: Cover that doubles the manufacturer's warranty for items bought in Australia, up to a maximum period of 12 months.
ANZ business credit card complimentary insurance options
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:
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.
Frequently asked question
Yes. If you’re going on a cruise or tour that requires proof of insurance, you can get a letter of eligibility online at www.checkyourcover.com.au/ANZ.
Amy Bradney-George was the senior writer for credit cards at Finder, and editorial lead for Finder Green. She has over 16 years of editorial experience and has been featured in publications including ABC News, Money Magazine and The Sydney Morning Herald. See full bio
Amy's expertise
Amy has written 565 Finder guides across topics including:
This business rewards credit card offers 100,000 bonus ANZ Reward Points, transfers to Qantas Frequent Flyer and data feeds for accounting software. So is it right for you?
The ANZ Frequent Flyer Black has a competitive bonus Qantas Points offer and perks including Qantas Club Lounge invitations and complimentary insurance. Weigh up if it's worth the $425 annual fee.
The ANZ Rewards Platinum Credit Card offers a competitive rewards program, 100,000 bonus ANZ Reward Points and a range of complimentary insurance covers.
does international travel insurance cover, cover cardholder and partner or just cardholder
Finder
RichardNovember 18, 2024Finder
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.
noelNovember 9, 2024
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 ?
Finder
RichardNovember 11, 2024Finder
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.
lesleySeptember 29, 2024
We have declared the same pre existing medical condition in previous applications for insurance. Do we need to complete this again at a $75 cost if none of the responses to any of the questions have changed and it has been approved for previous travel? Thanks
Finder
SarahSeptember 30, 2024Finder
Hi Lesley,
Your best bet is to confirm this directly with ANZ insurance. You can reach them on 1300 135 271 Monday to Friday 8am to 7pm AEST, or Saturday 8am to 5pm AEST. Best of luck!
ianSeptember 11, 2024
Is the accommodation fee for an Airbnb which must be paid upfront covered by ANZ card insurance?
Finder
AngusSeptember 15, 2024Finder
Hi Ian, the cancellation cover should extend to Airbnb fees if you have to cancel a trip for an eligible reason, subject to the claim being approved and the overall limits ($3,000 for domestic travel and $20,000 for overseas travel). If it’s a particularly important consideration for you, it would be worth confirming this directly with ANZ – you can contact the bank on 13 13 14.
WilliamAugust 19, 2024
I have and ANZ Platinum Card and would like to know the cover includes rental cars
Finder
SarahAugust 20, 2024Finder
Hi William,
Generally, cover is provided towards the excess of insurance you have taken out to cover the hire car, which comes standard with most rental cars in Australia. For instance, if you hire a car and the excess is $3,000, this complimentary insurance will cover that $3,000. However if you hire a car with no insurance whatsoever, then this insurance won’t provide any cover.
According to the PDS:
Cover is only available if your rental vehicle agreement specifies an amount that is payable in the event the rental vehicle is damaged or stolen while in your custody. This section does not cover items such as, but not limited to, tyres and/or windscreens, roof and underbody if they are not covered by the indemnity provided by the rental company or agency under the rental vehicle agreement to which the amount payable applies.
WHAT WE COVER
If, during the period of cover available, a rental vehicle you have rented from a rental company or agency is:
involved in a motor vehicle accident while you are driving it; or
damaged or stolen while in your custody,
then we will pay you the lesser of:
property damage for which you are liable; or
the amount specified that you must pay under your rental vehicle agreement; or
the limit shown in Part C – Benefit Limits.
Hope this helps!
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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.
We have declared the same pre existing medical condition in previous applications for insurance. Do we need to complete this again at a $75 cost if none of the responses to any of the questions have changed and it has been approved for previous travel? Thanks
Hi Lesley,
Your best bet is to confirm this directly with ANZ insurance. You can reach them on 1300 135 271 Monday to Friday 8am to 7pm AEST, or Saturday 8am to 5pm AEST. Best of luck!
Is the accommodation fee for an Airbnb which must be paid upfront covered by ANZ card insurance?
Hi Ian, the cancellation cover should extend to Airbnb fees if you have to cancel a trip for an eligible reason, subject to the claim being approved and the overall limits ($3,000 for domestic travel and $20,000 for overseas travel). If it’s a particularly important consideration for you, it would be worth confirming this directly with ANZ – you can contact the bank on 13 13 14.
I have and ANZ Platinum Card and would like to know the cover includes rental cars
Hi William,
Generally, cover is provided towards the excess of insurance you have taken out to cover the hire car, which comes standard with most rental cars in Australia. For instance, if you hire a car and the excess is $3,000, this complimentary insurance will cover that $3,000. However if you hire a car with no insurance whatsoever, then this insurance won’t provide any cover.
According to the PDS:
Cover is only available if your rental vehicle agreement specifies an amount that is payable in the event the rental vehicle is damaged or stolen while in your custody. This section does not cover items such as, but not limited to, tyres and/or windscreens, roof and underbody if they are not covered by the indemnity provided by the rental company or agency under the rental vehicle agreement to which the amount payable applies.
WHAT WE COVER
If, during the period of cover available, a rental vehicle you have rented from a rental company or agency is:
involved in a motor vehicle accident while you are driving it; or
damaged or stolen while in your custody,
then we will pay you the lesser of:
property damage for which you are liable; or
the amount specified that you must pay under your rental vehicle agreement; or
the limit shown in Part C – Benefit Limits.
Hope this helps!