ANZ Credit Card Complimentary Travel Insurance

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.

What are the eligibility requirements?

To activate your complimentary travel insurance, you will need to use your participating ANZ credit card to pay for some of your trip. The total spent needs to be at least AUD$250 (inclusive of taxes and other charges), and must go towards the following:

• Transport costs (airfares and/or cruises)
• Land content costs (tours, hire cars or other hired transport and accommodation)

It’s important to note that with this insurance, reward points are “not considered currency in determining achievement of minimum spend”. So if you’re booking your trip with ANZ rewards or frequent flyer points, you still have to spend at least $250 to get this cover.

There are also a number of other requirements you need to meet to use this cover. Allianz has outlined the following key conditions:

• Card status. You must be a current eligible ANZ cardholder, or a spouse or child of the cardholder on the trip with the participating cardholder.
• Age. You have to be 80 years of age or under on the day you activated the insurance policy.
• Residency status. You should be an Australian citizen, resident, or the holder of a visa that allows you to live and work in Australia (including a 457).
• Location status. You must have spent at least 75% of your time in Australia in the 12 months before your trip. New residents and visa holders who have been in Australia for less than a year can get cover if they have been in Australia for at least 75% of the time since they gained their residency or visa.
• Ticket. You must have a valid return ticket to Australia.
• Pre-existing medical conditions. Under this policy, Allianz will not insure you or anyone else for issues that are caused by an existing medical condition, or for any travel you take for the purpose of getting medical treatment. If you do have a pre-existing medical condition, you can contact Allianz Global Assistance to request a medical assessment. If your medical conditions are approved and you choose to get cover, you'll have to pay an administration fee.

• What is an existing medical condition?

  Allianz defines a pre-existing medical condition as:

  1. “any chronic metastatic or ongoing (whether chronic or otherwise) medical or dental condition, illness or disease which you were aware of; you should reasonably have been aware of; or in the 12 months before you activated cover; was medically documented; or was under investigation."
  2. "any physical or medical condition (including pregnancy), defect, illness or disease for which: symptoms were apparent in the 12 months before you activated cover; or treatment, medication, preventative medication, advice, preventative advice or investigation have been received or prescribed by a medical or dental practitioner in the 60 days before you activated cover."

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 Allianz on 1300 135 271. You can also use the eligibility tool on the ANZ website to see if you're covered. Back to top

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. Overseas travel and medical insurance. A comprehensive international travel insurance policy that includes 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. Transport accident cover. Covers you against accidents or injuries that may be sustained when you are travelling on an authorised travel vehicle, including planes, trains, tourist buses and 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 excess cover. 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 ANZ card. Cover begins and ends based on the dates and terms of your rental vehicle agreement.

These three types of travel insurance also cover your spouse and any dependent children that are travelling with you throughout the journey. They will also have to meet the eligibility criteria, including payments to your card for part of their travel bookings.

• How does Allianz define spouse?

  "A legal or de facto spouse or a partner with whom you are in a permanent relationship. We may ask for proof of the marriage or permanent relationship”.

• How does Allianz define Child or Children?

  "Your child or children, stepchild or stepchildren, grandchild or grandchildren, nieces and nephews who are under 21 years of age on the date your cover is activated and who are financially dependent on you during the trip."

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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 7499 from overseas. You can also email Allianz at cardclaims@allianz-assistance.com.au. 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.

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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.

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 compensation	$8,000 plus $500 if due to mugging	Nil
Critical illness or injury – emergency travel expenses for companion	Unlimited	Nil
Post-hospital accommodation	$500	Nil
Dental expenses due to sudden and acute pain	$2,000	$250

Cancellation and additional expenses

Benefit	Policy limit (per person)	Excess
Cancellation or holiday deferment costs	Up to $25,000 per event Exceptions: Agent's fees up to $2,000 and reasonable additional travel arrangements within 48 hours of a public warning of severe weather, natural disaster, riot, strike or civil insurrection that could affect your travel arrangements up to $1,000.	$250
Emergency travel arrangements and accommodation expenses	Up to $25,000 per event Exceptions: Meals up to $500 and internet and telephone calls up to $250	$250
Loss of reward points	Up to $25,000 per event	$250
Non-medical evacuation and repatriation	Up to $25,000 per event	$250

Luggage and personal effects

Benefit	Policy limit (per person)	Excess
Luggage and personal effects (total)	$12,000	$250
Personal computer, cameras & video camera	$4,000	$250
Any other item	$1,000	$250
Emergency luggage	$500 (after 10 hours) $1,000 (after 72 hours)	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)	$2,000	Nil
Resumption of authorised overseas business trip	$3,000	Nil
Withdrawal of services	$500	Nil
Hijacking	Unlimited	Nil
Emergency accommodation due to terrorism	$3,000	Nil
Domestic pets	$500	Nil

Rental vehicle expenses

Benefit	Policy limit (per person)	Excess
Rental vehicle insurance excess	$5,000	Nil
Return of rental vehicle	$750	Nil

Accidental death, permanent disability and loss of income

Benefit	Policy limit (per person)	Excess
Accidental death	$50,000	Nil
Funeral expenses or repatriation of remains	$25,000	Nil
Total permanent disability	$50,000	Nil
Loss of income	$10,000	Nil

Personal liability and legal expenses

Benefit	Policy limit (per person)	Excess
Personal liability	$3,000,000	Nil
Legal expenses	$15,000	Nil

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Transport accident insurance

The table below outlines the specific scenarios and insurance sums for transport accident claims. Note that Allianz does not specify any excess payment requirements for this cover.

Transport 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 excess cover

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.

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	$100
12-hour luggage delay	$250
Loss or damage to personal items	$1,200
Funeral expenses as a result of accidental death	$4,500
Cancellation of domestic travel arrangements	$1,500
Rental vehicle excess cover	$1,250

Purchase security insurance

This policy provides cardholders with coverage for 3 months 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.

• What types of purchases aren’t covered?

  The following items are not eligible for this insurance:

  • Items purchased for the purpose of resupply/resale
  • Business-related items
  • Animals or plant life
  • Computer software or non-tangible purchases
  • Cash, trading cards, traveller’s cheques, collectable, gambling or second-hand items
  • Consumables, e.g. food or oil
  • Vehicles – boats, automobiles, motorboats or airplanes
  • Real estate and movable fixtures or fittings, e.g. dishwashers, air conditioners
  • Purchased items exceeding $10,000

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
3 years	1 year	4 years
5 years	1 year	6 years
Over 5 years	No cover	-

• What types of goods does this policy apply to?

  In this policy, “goods” refers to any personal property that has an Australian warranty and is used domestically or in the household (so, not for business purposes).

Best price guarantee 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. To make a claim, you need to meet the following conditions:

• The catalogue must have been printed after you made your purchase
• The store where the catalogue item is located must be within 25km of your original purchase
• The difference in price must be $75 or more
• The cheaper item must be identical to the item that you purchased

Claim limits for the best price guarantee are capped at $300 per item.

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ANZ’s premium credit cards offer a wide range of complimentary insurance options, including cover for both domestic and international travel. While these credit card perks offer you a way to get insurance without paying for it, there are still many terms and conditions you need to consider. This guide covers the essential details of ANZ credit card complimentary insurance but it is 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.

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