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ANZ Credit Card Complimentary Travel Insurance

Travel overseas with peace of mind and save with an ANZ credit card that offers 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.

Compare ANZ credit cards with complimentary travel insurance

Rates last updated May 27th, 2019
Name Product Purchase rate (p.a.) Balance transfer rate Annual fee Product Description
ANZ Rewards Platinum
18.79% p.a.
$95 p.a.
Receive 50,000 bonus Reward Points and $50 back onto your card when you spend $2,000 on eligible purchases in the first 3 months.
ANZ Rewards Black Credit Card
18.79% p.a.
$375 p.a.
Receive 100,000 bonus Reward Points and $100 back onto your card when you spend $4,000 within the first 3 months, plus, lounge passes.
ANZ Platinum Credit Card
19.74% p.a.
0% p.a. for 18 months with 2% balance transfer fee
$0 p.a. annual fee for the first year ($87 p.a. thereafter)
Receive a 0% p.a. for 18 month balance transfer offer and a $0 first year annual fee. Plus, complimentary overseas travel and medical insurance.
ANZ Rewards Travel Adventures card
20.24% p.a.
$225 p.a.
Receive 40,000 bonus Velocity Points, 2 yearly Virgin Australia lounge passes, plus enjoy $0 overseas purchase transaction fees.

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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.
  • 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 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.

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.

$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.

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.

Back to top

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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86 Responses

  1. Default Gravatar
    paulMay 20, 2019

    I am traveling on an organized coach tour of Tasmania. I will be flying from Melbourne to Launceston by air and return. Am I covered by this insurance policy?

    • Avatarfinder Customer Care
      JeniMay 21, 2019Staff

      Hi Paul,

      Thank you for getting in touch with Finder.

      Yes, since ANZ complimentary travel insurance covers for both domestic and international travel. Please note that you’re covered with your domestic travel if you experience delays or cancellations for domestic flights you have booked and paid for in full using your eligible ANZ credit card.

      I hope this helps.

      Thank you and have a wonderful day!

      Cheers,
      Jeni

  2. Default Gravatar
    RomiMay 20, 2019

    I am travelling to England. Is my car rental excess and any other liabilities related to car hire included in my travel insurance on my ANZ Platinum card?

    Thank you.

    • Avatarfinder Customer Care
      JeniMay 21, 2019Staff

      Hi Romi,

      Thank you for getting in touch with Finder.

      Your complimentary travel insurance is a comprehensive international travel insurance policy that includes rental vehicle expenses. For the level of your rental vehicle cover, please contact Allianz Australia Insurance for further clarification on this matter.

      I hope this helps.

      Thank you and have a wonderful day!

      Cheers,
      Jeni

  3. Default Gravatar
    TiniMay 10, 2019

    Does the Travel Insurance cover bus trips in Australia?

    • Avatarfinder Customer Care
      MaiMay 11, 2019Staff

      Hi Tini,

      Thank you for reaching out.

      If your insurance has transport accident cover then yes you will have coverage on 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. To take advantage of this insurance cover, you need to use your ANZ Platinum or Black card to pay for the full cost of the relevant transportation.

      Hope this helps! 😊

      Kind Regards,
      Mai

  4. Default Gravatar
    William[Bill]April 26, 2019

    I have travelled using ANZ Platinum credit card travel insurance for many years. I turned 80 a few months ago. Am I still covered over 80?

    • Avatarfinder Customer Care
      JeniApril 27, 2019Staff

      Hi Bill,

      Thank you for getting in touch with Finder.

      Please note that with the ANZ complimentary travel insurance, you have to be 80 years of age or under on the day you activated the insurance policy. If you wish to use the benefit of your ANZ Platinum credit card, please contact Allianz to discuss your options.

      I hope this helps.

      Thank you and have a wonderful day!

      Cheers,
      Jeni

  5. Default Gravatar
    DozApril 14, 2019

    Is rental vehicle excess cover included for car rental in New Zealand?

    • Avatarfinder Customer Care
      MaiApril 15, 2019Staff

      Hi Doz,

      Thank you for reaching out.

      It shows that with ANZ Credit card’s complimentary travel insurance, it only covers domestic rental vehicle insurance excess. It does not cover New Zealand. You may want to reach out to Allianz too should you wish to verify.

      Hope this helps.

      Kind Regards,
      Mai

  6. Default Gravatar
    MichApril 11, 2019

    Am I covered for snow sports or skiing whilst visiting New Zealand? should or can I take out an additional policy for that cover?
    Is one policy void if there is more than one policy in place?

    • Avatarfinder Customer Care
      NikkiApril 12, 2019Staff

      Hi Mich,

      Thanks for getting in touch! The complimentary travel insurance of ANZ doesn’t cover snow sports or skiing. You can go to this page to compare Ski insurances options. You can take out an additional/premium cover for snow sports and it won’t void either policy. 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

  7. Default Gravatar
    NarelleApril 9, 2019

    I would like to know if I am covered if I don’t have a return ticket when I leave Australia. Thank you!

    • Avatarfinder Customer Care
      JoshuaApril 9, 2019Staff

      Hi Narelle,

      Thanks for getting in touch with Finder. I hope all is well with you. 😃

      I’m afraid you won’t be covered by ANZ’s complimentary travel insurance, Narelle. One of their requirements is for you to valid return ticket to Australia. You may also review other requirements listed above to be sure.

      I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.

      Have a wonderful day!

      Cheers,
      Joshua

  8. Default Gravatar
    robApril 9, 2019

    On 22nd Jeni responded to a question with, “They will also have to meet the eligibility criteria, including payments to your card for part of their travel bookings.” I have paid for my wife and children’s accommodation on my ANZ Black card. What do they need to do to be covered for complimentary travel insurance?

    Thank you for your assistance.

    • Avatarfinder Customer Care
      JeniApril 9, 2019Staff

      Hi Rob,

      Thank you for getting in touch with Finder.

      Aside from using your participating ANZ Black credit card to pay for some of your trip that is at least AUD$250, some of the eligibility requirements are:

      1. 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).
      2. 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.
      3. You must have a valid return ticket to Australia.
      4. You have to be 80 years of age or under on the day you activated the insurance policy and no pre-existing medical condition.

      I hope this helps.

      Thank you and have a wonderful day!

      Cheers,
      Jeni

  9. Default Gravatar
    AnhApril 1, 2019

    I qualify for the complimentary insurance (according to the above criteria), but do I have to do something to activate the policy?

    • Avatarfinder Customer Care
      JoshuaApril 3, 2019Staff

      Hi Anh,

      Thanks for getting in touch with Finder. I hope all is well with you. 😃

      If you believe you qualified for the complimentary insurance and have met the eligibility requirement, the cover will automatically activate before your trip. However, if you want to confirm or you have questions about the requirements, you may call Allianz on 1300 135 271. You can also go to ANZ’s website and use their eligibility tool to see if you’re covered.

      I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.

      Have a wonderful day!

      Cheers,
      Joshua

  10. Default Gravatar
    BrigitteMarch 26, 2019

    What is the maximum days this insurance will cover for? We will be out of the country under three months, are we covered?

    • Avatarfinder Customer Care
      JeniMarch 28, 2019Staff

      Hi Brigitte,

      Thank you for getting in touch with Finder.

      The ANZ credit card complimentary travel insurance 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.

      I hope this helps.

      Thank you and have a wonderful day!

      Cheers,
      Jeni

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