ANZ Credit Card Complimentary Travel Insurance
Save on travel costs with an ANZ credit card that offers complimentary travel insurance.
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A range of ANZ credit cards come with premium benefits, including complimentary insurance for overseas trips, interstate flights and rental car excess payments. These policies are underwritten by Allianz Australia Insurance, and have the potential to save you hundreds or thousands of dollars. Just as with purchased insurance, there are terms and conditions you need to meet before you can use this cover.
This guide looks at the ANZ credit cards that come with complimentary travel insurance, what coverage options they provide and how to make an insurance claim, so that you can get the most out of this bonus feature. ANZ offers complimentary travel insurance to both platinum and black credit card customers.
ANZ credit cards with complimentary travel insurance
Does my ANZ credit card have complimentary insurance?
What are the eligibility requirements?
To activate your complimentary travel insurance, you will need to use your participating ANZ credit card to pay for at least AUD$250 (inclusive of taxes and other charges) of your prepaid travel costs.
There are also a number of other requirements you need to meet to use this cover. Allianz has outlined the following key conditions:
- Residency status. You should be a permanent Australian citizen or resident or hold a visa that allows you to live and work in Australia issued under the Migration Act 1958 (Cth).
- Ticket. You must have a valid return overseas travel ticket before leaving Australia.
- Age. You must be 80 years of age or under on the day you activated the insurance policy.
- Dependents. A spouse and/or a child who is travelling with the cardholder on the trip for at least 50% of the period of cover is also eligible for the travel insurance.
How do I know if I’m covered and what I’m covered for?
ANZ credit cards come with three main types of complimentary travel insurance. These are broadly defined as follows:
- International travel insurance. Credit cards with international travel insurance policy include medical expenses, cancellations, damage or loss of luggage and other personal items, rental vehicle expenses and loss of life or income. Cover begins on the day you depart your home in Australia and ends on your return or after six months of travel, whichever happens first.
- Transit accident insurance. Credit cards with transit accident insurance cover you against accidents or injuries that may be sustained when you are travelling on an authorised travel vehicle, including planes, trains, tourist buses and short-haul ferries. The insurance also covers any accidents or injuries that occur when you board or leave these carriers. The cover begins from the date your trip commences up until the date you return home. You can take advantage of this insurance cover when you've used your ANZ Platinum or Black card to pay for the full cost of the relevant transportation.
- Rental vehicle excess in Australia insurances. Credit cards with rental vehicle excess reimburses you for the amount of any collision excess that you have to pay when you have hired an eligible vehicle in Australia using your card. Cover begins and ends based on the dates and terms of your rental vehicle agreement.
The three travel insurance policies also cover your spouse and any dependent children who are travelling with you. They will also have to meet the eligibility criteria, including the eligible spend required on the card as part of the prepaid travel booking.
How do I make a claim?
Allianz is responsible for processing all insurance claims made under these policies, and specifies that all claims must be made within 30 days of the completion of your journey. You can take the following steps to submit a claim at any time:
- Contact Allianz. Call the insurance company on 1300 135 271 in Australia or + 61 7 3305 7465 from overseas. You can also email Allianz at www.claimmanager.com.au/anz. To speed up the claims process, make sure you report incidents as soon as you can after they happen.
- Follow all other requirements relating to the issue. Allianz outlines a number of requirements for specific claims, including submitting expenses to your private health fund for medical issues and reporting damaged or lost luggage within 24 hours of its disappearance. Refer to the ANZ Premium Cards insurance booklet (.pdf) for information on these specific conditions.
- Fill out the claim form. Allianz will provide you with a claim form once you have got in touch. Make sure you include as much detail as possible when filling it out.
- Provide supporting documentation. Depending on the type of claim you are making, you will need to provide evidence in the form of receipts, medical or police reports, declarations, valuations and incident reports.
Allianz will settle your claim within 10 working days of receiving a completed claim form with all the necessary supporting information, or contact you if more information is required.
What insurances am I covered under?
Before you head off on a trip with this insurance, it’s important to know what you’ll be covered for and how much you can claim for each issue. The tables below outline what coverage you get, policy limits and excess costs for each type of complimentary travel insurance available with an ANZ credit card.
What does excess mean?
Excess refers to the amount you must pay towards any claim that you make.
International travel insurance
Medical benefits
| Benefit | Policy limit (per person) | Excess |
|---|---|---|
Overseas medical and dental expenses | Unlimited except for dental treatment which is limited to $2,000. | $250 |
Medical evacuation and repatriation | Unlimited | $250 |
Hospital cash allowance | $75 per person per day, up to $8,000 plus $500 if due to assault | Nil |
| Accidental death | $50,000 per cardholder or spouse $1,000 per dependant | Nil |
| Funeral expenses | Up to $25,000 per cardholder or spouse | Nil |
| Permanent disability | Up to $50,000 per cardholder or spouse | Nil |
| Loss of income | Up to $10,000 per cardholder or spouse | Nil |
Cancellation and additional expenses
| Benefit | Policy limit (per person) | Excess |
|---|---|---|
| Cancellation for unused arrangements and travel agent fees, frequent flyer, air miles, loyalty card points & redeemable vouchers | Unlimited Exceptions: Agent's fees up to $2,000 or level of commission or service fee on booking | $250 |
| Withdrawal of services | After 48 hours, up to $50 for each subsequent 24-hour period with up to $500 each for a cardholder or a spouse with accompanying dependants | Nil |
Luggage and personal effects
| Benefit | Policy limit (per person) | Excess |
|---|---|---|
Covered items stolen, accidentally damaged or permanently lost | Up to $12,000 | $250 |
Personal computer, cameras & video camera | $4,000 | $250 |
Any other item | $1,000 | $250 |
| Luggage delay | $500 (after 10 hours) and an additional $1,000 (after 72 hours) up to $1,500 per cardholder or spouse | Nil |
| Replacement golf and surf equipment | $200 | Nil |
| Replacement passports and travel documents | $3,000 | Nil |
| Fraudulent use of credit or debit cards | $3,000 | Nil |
Extra travel cover
| Benefit | Policy limit (per person) | Excess |
|---|---|---|
Travel delays, missed connections (special events) | After 6 hours, up to $50 for meals and $250 accommodation expenses for each subsequent 24-hour period with up to $2,000 each for a cardholder or a spouse with accompanying dependants participating in the limit available. | Nil |
| Alternative transport | $2,000 | Nil |
Return home and resumption of journey (following death of a relative) | $3,000 | Nil |
| Hijacking | Unlimited | Nil |
| Emergency accommodation due to terrorism | $3,000 | Nil |
| Domestic pets | $500 | Nil |
Personal liability and legal expenses
| Benefit | Policy limit (per person) | Excess |
|---|---|---|
Personal liability | $3,000,000 | Nil |
Legal expenses | $15,000 | Nil |
Transit accident insurance
The table below outlines the specific scenarios and insurance sums for transit accident claims. Note that Allianz does not specify any excess payment requirements for this cover.
| Transit accident injury resulting in: | Sum insured |
|---|---|
Loss of life | $750,000 Exception: a dependent child where the maximum payable is $20,000 |
Loss of both hands or both feet | $375,000 |
Loss of one hand and one foot | $375,000 |
| Loss of entire sight of both eyes | $375,000 |
| Loss of entire sight of one eye and loss of one hand or one foot | $375,000 |
| Loss of one hand or one foot | $175,000 |
| Loss of entire sight of one eye | $175,000 |
Rental vehicle excess in Australia insurance
This coverage will provide you with up to $5,000 for rental collision excess costs within Australia. It has an excess payment of $350 per event.
| Benefit | Policy limit (per person) | Excess |
|---|---|---|
Rental vehicle insurance excess | $5,000 | Nil |
Return of rental vehicle | $750 | Nil |
Interstate flight inconvenience insurance
This insurance covers you, your spouse and any dependent children when you experience delays or cancellations for domestic flights you have booked and paid for in full using your eligible ANZ credit card.
| Benefit | Limit |
|---|---|
Flight delay | Up to $100 in total |
12-hour luggage delay | Up to $250 |
Loss or damage to personal items | Up to $1,200 |
| Funeral expenses as a result of accidental death | Up to $4,500 |
| Cancellation of domestic travel arrangements | $1,500 |
Purchase protection insurance
This policy provides cardholders with coverage for 90 consecutive days to protect against the theft, accidental damage or loss of most personal items purchased with an eligible ANZ credit card. The moment the items are charged to your credit card, the policy becomes active, regardless of where in the world the purchase was made. Claims are capped at AUD$3,500 per claim for jewellery, watches and fine art or $135,000 in any 12-month period.
Extended warranty
This cover extends the Australian manufacturer’s warranty on personal goods purchased on an eligible ANZ credit card. The insurance comes into effect at the end of the warranty period and matches that timeframe when the Australian warranty is for no more than five years. The table below offers some examples:
| Australian Warranty Period | Extended Warranty Period | Total Warranty Period |
|---|---|---|
7 days | 7 days | 14 days |
14 days | 14 days | 28 days |
1 month | 1 month | 2 months |
| 6 months | 6 months | 1 year |
| 1 year | 1 year | 2 years |
| 1 to 5 years | 1 year | 2 to 6 years |
| Over 5 years | No cover | - |
Guaranteed pricing scheme
This policy covers the difference in price when you purchase a personal item with your ANZ credit card and then see the same item advertised in a catalogue at a cheaper price within 21 days of your purchase.
ANZ’s premium credit cards offer a wide range of complimentary insurance options, including cover for both domestic and international travel. This could help you travel and spend with peace of mind. While this guide covers the essential details of ANZ credit card complimentary insurance, it's still important to refer to the ANZ Premium Insurance guide for full details of each policy. Alternatively, you can contact Allianz directly on 1300 135 271 with any specific questions or concerns.
Pictures: Getty
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Ask an Expert
I have an ANZ Platinum card in my name, is my husband covered if he is driving the hire car?
Hi Bianca,
Thanks for getting in touch and I hope you are well.
Typically, in this case, the primary cardholder is the one covered under a rental car cover. As your inquiry, is very specific, we would suggest contacting Allianz to consult about this.
Hope this helps and feel free to reach out to us again for further assistance.
Best,
Nikki
my wife has a supplementary anz credit card that is off my platimum card .
She has paid 870 for hotel accommodation and 800 for air fares .
Does this entitle us to complimentary travel insurance with anz as we are about to fly to bali this week.
Hi Mark,
Thanks for your comment and I hope you are doing well.
As it says on the page, “to activate your complimentary travel insurance, you will need to use your participating ANZ credit card to pay for at least AUD$250 (inclusive of taxes and other charges) of your prepaid travel costs.” Which includes hotel and airfare.There are also a number of other requirements you need to meet to use this cover. Allianz has outlined the following key conditions:
Residency status. You should be a permanent Australian citizen or resident or hold a visa that allows you to live and work in Australia issued under the Migration Act 1958 (Cth).
Ticket. You must have a valid return overseas travel ticket before leaving Australia.
Age. You must be 80 years of age or under on the day you activated the insurance policy.
Dependents. A spouse and/or a child who is traveling with the cardholder on the trip for at least 50% of the period of cover is also eligible for the travel insurance.
Given this, you are entitled to complimentary travel insurance from ANZ.
Hope this helps and have a safe trip!
Cheers,
Nikki
Hi Vince,
Thanks for your comment and I hope you are doing well.
You are able to obtain your policy number and travel insurance documentation by calling Allianz. They are the underwriter of the ANZ credit card’s travel insurance policy. Have a great cruise!
Hope this helps and feel free to reach out to us again for further assistance.
Best,
Nikki
My husband I are travelling by car on 22nd December 2019 from Brisbane to Melbourne to travel on the Spirit of Tasmania on 24th December 2019 returning on the Spirit of Tasmania on 9th January 2020 and travelling by car back to Brisbane Queensland arriving on 12th January 2020. I meet the criteria for travel insurance. Is my trip to Tasmania covered
Hi Gail,
Thanks for your comment. I wish you are well.
It’s helpful to know that the complimentary insurance for premium ANZ credit cards is for international use only. Nonetheless, we invite you to view our page that talks about Australian domestic travel insurance to find and compare insurers.
As a friendly reminder, carefully review the Product Disclosure Statement of the product before applying. You may also contact the insurance provider should you have any questions about their policy. When you are ready, press the ‘Get quote’ button to request free quotations.
Hope this helps!
Best,
Nikki
I have already purchased my flight ticket and now looking at the ANZ Rewards Travel Adventures card for overseas purchases and general use as a Visa card. When I purchased the card am I automatically covered for travel insurance . If not what do I need to do to qualify for complimentary insurance ?
Hi Bryan,
Thanks for your comment and I hope you are well.
The ANZ Rewards Travel adventures card requirements to activate your complimentary travel insurance, you will need to use your participating ANZ credit card to pay for at least AUD$250 (inclusive of taxes and other charges) of your prepaid travel costs.
You will find other eligibility requirements, how to make a claim and what you’re covered for as included in the complimentary travel insurance.
Hope this helps!
Best,
Nikki