ANZ Credit Card Complimentary Travel Insurance

Travel overseas with peace of mind and save 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.

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.
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.

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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 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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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
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.


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


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)

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


Exception: a dependent child where the maximum payable is $20,000

Loss of both hands or both feet


Loss of one hand and one foot

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


12-hour luggage delay


Loss or damage to personal items

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.

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 -

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.

Pictures: Shutterstock

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122 Responses

  1. 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!


  2. 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!


  3. 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.


  4. Default Gravatar
    IanAugust 29, 2019

    I hold an ANZ Platinum Visa credit card. Am I eligible to apply as I meet all the requirements? How do I apply for travel insurance from here?


    • Avatarfinder Customer Care
      JeniAugust 29, 2019Staff

      Hi Ian,

      Thank you for getting in touch with Finder.

      If you have an ANZ Platinum credit card, yes, it has complimentary travel insurance. You do not have to apply for or activate your card’s complimentary travel insurance given that you have used your ANZ Platinum credit card to pay for some of your trip, for at least AUD$250 and you meet the other requirements listed on this page.

      I hope this helps.

      Thank you and have a wonderful day!


  5. Default Gravatar
    MarkAugust 16, 2019

    Hi, for the Vehicle Insurance, I am hiring a rental car in Italy for 7 days, do I still need to take car insurance or does the ANZ Complimentary Travel Insurance just cover the excess? Do I have to pay on the car insurance that I take out?


    • Avatarfinder Customer Care
      AshAugust 17, 2019Staff

      Hi Mark,

      Thank you for contacting Finder.

      The ANZ Credit Card Complimentary Travel Insurance has a cover for the Rental Vehicle Excess which will start upon your departure in Australia and will end on your return. You must meet the following conditions:

      * the vehicle is from a registered rental company
      * the damage is caused by accident, storm, fire or theft
      * you will be the driver for the rental vehicle

      I hope this helps.

      Please do not hesitate to reach out again to us.


  6. Default Gravatar
    KhanhAugust 12, 2019

    I intend to spend more than $250 in Australia to pay fees for Visa as required by certain countries . If I pay the fees with my participating ANZ credit card, will I get the complimentary Travel insurance cover.

    This is because the airfares, transport and accommodation have already been paid with a non-ANZ credit card.

    • Avatarfinder Customer Care
      AshAugust 13, 2019Staff

      Hi Khanh,

      Thank you for contacting Finder.

      For the $250, you may not use it to pay for your Visa as to be eligible for the Complimentary Travel Insurance you may only spend it on either:

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

      They have not publish a specific list of countries where you are restricted to use the Complimentary Travel Insurance. You may call ANZ directly to confirm whether the country where you are heading to is covered.

      I hope this helps.

      Please do not hesitate to reach out if you have additional questions.


  7. Default Gravatar
    shirleyAugust 10, 2019

    From reading a previous response regarding the cut-off age for cover using my Platinum ANZ Credit Card, can you confirm that as long as I book my travel whilst I’m 80 years old, I will be covered by insurance even if my by return date I have had my 81st birthday?

    • Avatarfinder Customer Care
      AshAugust 10, 2019Staff

      Hi Shirley,

      Thank you for contacting Finder.

      No, you need to be 80 years old or lower once you have activated the Complimentary Travel Insurance which means once you depart Australia since this will be the basis of the start of your policy. According to the Terms and Conditions, your policy will start upon you depart in Australia and will end upon your return.

      I hope this helps.

      Please do not hesitate to reach out again to us if you have additional questions.


  8. Default Gravatar
    RolandAugust 8, 2019

    I have had a ANZ platinum card for many years and have never claimed anything on the free travel insurance. I will be 80 next year and am in good health. Is my travel insurance still applicable after I reach 80 years old.

    • Avatarfinder Customer Care
      NikkiAugust 8, 2019Staff

      Hi Roland,

      Thanks for getting in touch! I checked our pages and it shows the age limit for the ANZ Credit Card is 80 years of age or under on the day you activated the insurance policy. If you are still looking for travel insurance options, you can check this page. 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 was helpful. Don’t hesitate to message us back if you have more questions.


  9. Default Gravatar
    maryAugust 7, 2019

    When do I notify the of my trip and what information is required?

    • Avatarfinder Customer Care
      NikkiAugust 7, 2019Staff

      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!


  10. Default Gravatar
    MickAugust 2, 2019

    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?

    • Avatarfinder Customer Care
      AshAugust 3, 2019Staff

      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.


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