| 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.
Hi,
I am interested in reading more about your oversea travel insurance. I am having trouble downloading the ANZ premium insurance guide. Are you able to email me a copy? We have the Visa Black.
Cheers,
Hi Khim,
Thanks for getting in touch.
Are you looking to get the PDS for the complimentary travel insurance attached to your ANZ Visa Black Card? If so, please refer to the link I sent to your email.
Cheers,
May
Hi, does the travel insurance cover cruises? I assume it does as it not listed as an exclusion but couldn’t see anything about it being included or mentioned
thanks in advance
Hi Zara,
Thank you for your question and for contacting finder.com.au – we are a financial comparison website and general information service designed to help consumers make better decisions. Please note that we are not affiliated with any company we feature on our site.
Yes, cruises are also covered. If you wish to get full details of the complimentary travel insurance attached to the eligible ANZ credit card, you may refer to the page I sent to your email that contains the link to the PDS.
Cheers,
May
Hi,
Quick question regarding the extended warranty on offer with the ANZ Black card. So, if I buy an eligible item having 2 years Australian warranty, extended warranty would be another 2 years- so total of 4 years. My question is can I still claim extended warranty (3rd year and later) if I have surrendered the card since, even if I had originally purchased the item using the ANZ black card? Thanks.
Hi Sid,
Thanks for your question.
Usually, the benefits of the credit cards will no longer take effect and cannot be used in the event that you close or cancel your account. So in case you will close your eligible ANZ card, the extended warranty insurance benefit attached to it can no longer be taken advantage of or claimed.
Cheers,
May
I am about to travel for a week to Hong Kong and have an ANZ Platinum card. Do I need to pay the fares using this card and do I need to inform the bank when I am leaving and returning. I assume it only covers the card holder.
Hi Andrew,
Thank you for your inquiry.
You must meet the eligibility requirements to get the complimentary insurance of this ANZ Platinum card. The coverage will automatically activate once you spend a total of least AUD$250 (inclusive of taxes and other charges) for transport or land content costs using the card. The complimentary travel insurance will also cover your spouse and any dependent children that are travelling with you throughout the journey once they meet the eligibility criteria, including payments for their travel bookings using your ANZ Platinum card.
Cheers,
Jason
My family and I are heading to Europe in May 2017 however we are purchasing tickets now, October 2016. Your complimentary insurance covers us from the day we start to travel for a period of 6 months. What happens if a close member of our family (not travellers) becomes seriously ill or dies and we need to cancel the flights prior to departure? Are we covered? Do we get our travel costs covered and reimbursed?
Hi Sandy,
Thanks for you question. Just to confirm that you’ve reached finder.com.au – a comparison website and general information service, not actually ANZ nor QBE Insurance.
The Cancellation and Additional Expenses are actually included in the complimentary travel insurance attached to your eligible ANZ credit card, however, certain conditions apply.
On pages 31 to 33 of the T&Cs, QBE Insurance has not stated that the cancellation and travel expenses will be covered if the reason for cancellation is due to a serious illness or death of a family not travelling with you.
For your reference, I have sent to your email the ANZ travel insurance PDS.
Cheers,
May