| 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.
When do I notify the of my trip and what information is required?
Hi Mary Ellen,
Thanks for your question. Providing you meet the conditions as set on the part of our page that says “What are the eligibility requirements?”, 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 Allianz on 1300 135 271. You can also use the eligibility tool on the ANZ website to see if you’re covered.
Hope this helps!
Best,
Nikki
Hi,
I am travelling to USA. I have a Visa Platinum card. I have booked my flight and car rental on that card, cost more that $250, so I assume I am automatically covered. I would like to clarify that car rental exceess (up to $5000) is covered. It’s unclear from the above, as it says car rental for cars rented in Australia. Is it also covered overseas?
Hi Mick,
Thank you for contacting Finder.
The Rental Excess coverage is indeed for a rental vehicle registered in Australia and its offshore (including its external territories).
I hope this helps.
Please do not hesitate to reach out again to us if you have additional questions.
Cheers,
Ash
I need a letter stating my travel overseas. I have a platinum card. How do I go about this?
Thanks!
Judy
Hi Judy,
Thank you for getting in touch with Finder.
Please note that ANZ complimentary travel insurance is underwritten by Allianz Australia Insurance. Kindly reach them out if you need proof of covering your overseas trip.
I hope this helps.
Thank you and have a wonderful day!
Cheers,
Jeni
The term ferry in the policy, does it include ocean liners?
Hi Kevin,
Thanks for getting int ouch! For insurance purposes, a ferry is not an “ocean liner.” It is licensed by the local regulatory authority to carry fare-paying passengers. An ocean liner would most likely be a “cruise” when it comes to the insurance definition, as it is across seas or oceans.
Hope this helps!
Best,
Nikki
Do I have to activate my card for insurance each year or is it a one-off activation?
Hi Padgh,
Thank you for contacting Finder.
Yes, you will only activate your Credit Card once for you to use it. But for the eligibility criteria, you need to meet them for every trip that you will have to activate the Complimentary Travel Insurance from ANZ.
I hope this helps.
Please do not hesitate to reach out to us if you have additional questions.
Cheers,
Ash