| Card | International travel insurance | Domestic travel insurance | Rental vehicle excess in Australia insurance | Purchase protection insurance | Extended warranty insurance |
|---|---|---|---|---|---|
| ANZ Frequent Flyer Platinum | Yes | Yes | Yes | Yes | Yes |
| ANZ Frequent Flyer Black | Yes | Yes | Yes | Yes | Yes |
| ANZ Rewards Platinum | Yes | Yes | Yes | Yes | Yes |
| ANZ Rewards Black | Yes | Yes | Yes | Yes | Yes |
| ANZ Platinum | Yes | Yes | Yes | Yes | Yes |
| ANZ First | 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 |
|---|---|---|---|
| ANZ Business Black | Yes | Yes | Yes |
| ANZ Business Rewards Options | No | Yes | Yes |
| ANZ Business 55 Interest Free Days | No | Yes | Yes |
| ANZ Business Low Rate | 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.
The ANZ Rewards Platinum Credit Card offers up to 100,000 bonus Velocity Points and a range of complimentary insurance covers.
Receive $250 back to your card with this promo offer. Plus, save with a competitive 13.74% p.a. purchase rate.
This platinum card offers a $0 first-year annual fee, $300 credit back offer and complimentary insurance covers.
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.
Compare the features of the ANZ Rewards Black, including 180,000 bonus points offer, a high earn rate and complimentary insurance.
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 28 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.
Does the Platinum Card cover Overseas Car Rental Excess as I see
in your wording “in Australia” ?
Hi Stuart,
Thanks for reaching out to finder.
While we do not represent Allianz insurance, as per ANZ Premium card’s insurance booklet, the car rental excess will only reimburse any collision excess that you have paid under any rental vehicle agreement with a car rental company to hire a rental vehicle registered in Australia, including its external territories. It does not include overseas coverage.
You can also contact Allianz insurance or ANZ directly to re-confirm this information.
I hope this helps.
Cheers,
Charisse
I am going to rent a car in NZ. I’m not sure if the complimentary travel insurance covers any damage or liability. Should I get full protection cover with the rental car company?
Hello Ken,
Thank you for your comment.
As per checking, the complimentary travel insurance with ANZ can cover you for the rental vehicle insurance excess, or the cost of repairing the rental vehicle, whichever is lower. This is if you rent a rental vehicle from a rental company or it is damaged by accident, storm, fire or theft or you are a nominated driver on the rental vehicle agreement. The maximum limit they can pay you under this is $5,000.
Please note that you can activate the complimentary travel insurance by using your participating ANZ credit card to pay for some of your trip.
Should you wish to have real-time answers to your questions, try our chat box on the lower right corner of our page.
Regards,
Jhezelyn
Hi,
I would like to confirm that as a 457 visa holder travel insurance applies as per the information in the booklet when purchasing a return ticket with a platinum card?
Thanks
Justin
Hi Justin,
Thank you for getting in touch with finder.
Yes, 457 visa is included under the residency status as part of the eligibility criteria to be covered by the ANZ complimentary travel insurance. In addition, your total spent needs to be at least AUD$250 either your transport like your return ticket or land content costs.
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
I have a platinum card and I have booked my tickets with the card,
1. I know they state that there is Insurance coverage. Do I have to activate anything before my holidays to be covered by Insurance
2. As I understand the insurance is from QBE and we need to contact them directly for any claims
3. Please provide the details on how to activate the insurance if I have procured the ticket by my card
Regards
Venkatesh
Hey Venkatesh,
Thank you for reaching out to us.
In the “What are the eligibility requirements?“, there are other conditions to meet aside from spending a total of $250 on the ticket with your card.
Providing you meet these conditions, your cover will be automatically activated before your trip. If you have questions about these requirements or want to get a letter of eligibility for your insurance, you can call QBE directly. Their number is also found on this page.
I hope this helps.
Best,
Maria
Is there an age limit on eligibility?
Hi, John!
Thank you for reaching out to us.
As of this writing, you have to be 80 years of age or under on the day you activated the insurance policy.
You can also check out the other eligibility requirements on this page found after the ANZ credit cards comparison table.
I hope this helps.
Cheers!
Maria