ANZ Credit Card Complimentary Travel Insurance

Save on travel costs with an ANZ credit card that offers complimentary travel insurance.

Updated

Fact checked
Hikers

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.

Warning: Most travel insurance companies will not cover any coronavirus related claim if you activate a policy today. Coronavirus has been a known event since January 2020 and you can find more information about credit card travel insurance here. You can still use travel insurance for its other benefits. For more details on how coronavirus might affect your trip, contact your insurer directly and monitor the developing situation on Smartraveller.

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:

  1. 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.
  2. 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.
  3. 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:

  1. 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.
  2. 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.
  3. 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.
  4. 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.

flying airplace with sunset background

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
BenefitPolicy 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 assaultNil
Accidental death$50,000 per cardholder or spouse

$1,000 per dependant

Nil
Funeral expensesUp to $25,000 per cardholder or spouseNil
Permanent disabilityUp to $50,000 per cardholder or spouseNil
Loss of incomeUp to $10,000 per cardholder or spouseNil

Cancellation and additional expenses

BenefitPolicy limit (per person)Excess
Cancellation for unused arrangements and travel agent fees, frequent flyer, air miles, loyalty card points & redeemable vouchersUnlimited

Exceptions: Agent's fees up to $2,000 or level of commission or service fee on booking

$250
Withdrawal of servicesAfter 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

BenefitPolicy 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 spouseNil
Replacement golf and surf equipment$200Nil
Replacement passports and travel documents$3,000Nil
Fraudulent use of credit or debit cards$3,000Nil

Extra travel cover

BenefitPolicy 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$2,000Nil

Return home and resumption of journey (following death of a relative)

$3,000Nil
HijackingUnlimitedNil
Emergency accommodation due to terrorism$3,000Nil
Domestic pets$500Nil

Personal liability and legal expenses

BenefitPolicy limit (per person)Excess

Personal liability

$3,000,000Nil

Legal expenses

$15,000Nil

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.

BenefitPolicy limit (per person)Excess

Rental vehicle insurance excess

$5,000Nil

Return of rental vehicle

$750Nil

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.

BenefitLimit

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 deathUp 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 PeriodExtended Warranty PeriodTotal Warranty Period

7 days

7 days14 days

14 days

14 days28 days

1 month

1 month2 months
6 months6 months1 year
1 year1 year2 years
1 to 5 years1 year2 to 6 years
Over 5 yearsNo 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

Back to top

Related Posts

Ask an Expert

You are about to post a question on finder.com.au:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com.au is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms of Use, Disclaimer & Privacy Policy and Privacy & Cookies Policy.

135 Responses

  1. Default Gravatar
    BiancaFebruary 2, 2020

    I have an ANZ Platinum card in my name, is my husband covered if he is driving the hire car?

    • Default Gravatar
      NikkiFebruary 3, 2020

      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

  2. Default Gravatar
    markJanuary 20, 2020

    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.

    • Default Gravatar
      NikkiJanuary 21, 2020

      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

  3. Default Gravatar
    NikkiDecember 6, 2019

    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

  4. Default Gravatar
    GailDecember 5, 2019

    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

    • Default Gravatar
      NikkiDecember 9, 2019

      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 HERE. To find and compare insurers, you can use the online form on top of the page or scroll down to see the GREEN button that says “Find the best policy for you.”

      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.

      Hope this helps!

      Best,
      Nikki

  5. Default Gravatar
    BryanOctober 27, 2019

    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 ?

    • Default Gravatar
      NikkiOctober 29, 2019

      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

  6. Default Gravatar
    HelenOctober 18, 2019

    Good afternoon!

    We have an ANZ platinum credit card. We are under 65 years old – next year we are going on a cruise in Europe. We are putting the amount on our credit card – if we get sick or injured and are unable to go on the cruise will we get a full refund for the price of the cruise or should I look at separate cruise insurance?

    Thank you.

    • Avatarfinder Customer Care
      JeniOctober 20, 2019Staff

      Hi Helen,

      Thank you for getting in touch with Finder.

      Yes, so long that you meet the eligibility requirements for ANZ complimentary travel insurance then you will be covered for the trip cancellation. You may reach out to Allianz if you have further query on the complimentary travel insurance.

      I hope this helps.

      Thank you and have a wonderful day!

      Cheers,
      Jeni

  7. Default Gravatar
    LoreleiOctober 17, 2019

    Am I covered under “included travel insurance “as the primary card holder will not be travelling with me.? I am the secondary ANZ credit card holder(spouse).

    • Default Gravatar
      NikkiOctober 17, 2019

      Hi Lorelei,

      Thanks for reaching out to us. The travel insurance cover for the secondary cardholder will depend on the type of ANZ credit card you have. Generally, there is no cover for the secondary cardholder unless they are spouse or children and if so the primary cardholder would need to be travelling with them 50% of the travel period.

      Please seek assistance directly from the ANZ to obtain more information.

      Hope this helps and feel free to reach out to us again for further assistance.

      Best,
      Nikki

  8. Default Gravatar
    SueSeptember 10, 2019

    We are travelling from Victoria to Queensland. Is Domestic Travel Insurance included?

    • Avatarfinder Customer Care
      JeniSeptember 10, 2019Staff

      Hi Sue,

      Thank you for getting in touch with Finder.

      Given that you become eligible for the complimentary travel insurance using your ANZ credit card, you will get the interstate flight inconvenience insurance where you’re only covered for cancellations of your domestic flights.

      I hope this helps.

      Thank you and have a wonderful day!

      Cheers,
      Jeni

  9. Default Gravatar
    FranSeptember 5, 2019

    Rental car collision coverage, does it apply to cars rented overseas?

    • Avatarfinder Customer Care
      JeniSeptember 5, 2019Staff

      Hi Fran,

      Thank you for getting in touch with Finder.

      No. It applies to rented car within Australia only.

      I hope this helps.

      Thank you and have a wonderful day!

      Cheers,
      Jeni

  10. Default Gravatar
    KenSeptember 2, 2019

    Does travel insurance cover additional cardholders on ANZ Platinum card if key criteria are met?

    • Avatarfinder Customer Care
      JhezSeptember 2, 2019Staff

      Hi Ken,

      Thank you for your comment.

      If the eligibility criteria are met, you and your spouse and child, who are in the same trip with you shall be covered as well.

      You may also refer to the insurance policy information or master policy found on the ANZ website to be guided.

      Regards,
      Jhezelyn

Credit Cards Comparison

Data indicated here is updated regularly
Name Product Purchase rate Balance transfer rate Annual fee
Skye Mastercard - Exclusive Offer
23.99% p.a.
0% p.a. for 25 months
$99
Finder Exclusive
Save with 0% p.a. on balance transfers for 25 months, up to 110 days interest-free on purchases and flexible instalment plan options.
NAB Qantas Rewards Signature Card
19.99% p.a.
0% p.a. for 6 months with 2% balance transfer fee
$295 annual fee for the first year ($395 p.a. thereafter)
Collect up to 130,000 bonus Qantas Points. Get 100k when you spend $3,000 on eligible purchases in the first 60 days and 30k after 12 months.
ANZ Platinum Credit Card
0% for 17 months, reverts to 20.24% p.a.
20.24% p.a.
$0 annual fee for the first year ($87 p.a. thereafter)
Receive a 0% purchase rate offer for 17 months and a $0 first-year annual fee. Plus, complimentary overseas travel and medical insurance.
loading

Compare up to 4 providers

* The credit card offers compared on this page are chosen from a range of credit cards finder.com.au has access to track details from and is not representative of all the products available in the market. Products are displayed in no particular order or ranking. The use of terms 'Best' and 'Top' are not product ratings and are subject to our disclaimer. You should consider seeking independent financial advice and consider your own personal financial circumstances when comparing cards.

Go to site