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What you need to know:
- ANZ credit cards with complimentary international travel insurance offer comprehensive cover for up to 6 months in a row when you travel overseas.
- You'll get cover when you meet the requirements before travelling (e.g. by paying for your trip with the card).
- Your spouse and dependants travelling with you can also get cover, but there are some requirements and exclusions.
- Do you have a question or need to make a claim right now? Call the insurance provider, Allianz, on 1300 135 271 (from Australia) or +61 7 3305 7465 (from overseas).
⚠️ Important: This guide is based on details in the ANZ complimentary credit card insurance policies, effective 27 April 2022, with a particular focus on the policy for Platinum and Black personal credit cards (
PDF). This was the current version when we updated this guide, but you can also check for updates
on the ANZ website.
- Use your ANZ credit card to pay for at least $250 of overseas travel costs before you leave Australia (e.g. your overseas airfare, cruise or accommodation bookings).
- Have a return ticket to Australia before the start of your trip.
- Meet the following residency and age requirements:
- Permanently live in Australia or have a visa that entitles you to residency under the Migration Act (1958)
- Be under 81 years of age at the time you meet the rest of these requirements
- Make sure your trip is for 6 consecutive months or less. Trips over 6 months long won't be covered by this policy.
When you meet these requirements, cover is automatically available to you and eligible family members travelling with you (when they meet the requirements).
Need written confirmation of cover? Use the “Check eligibility” tool online or call Allianz on 1300 135 271 for more details.
Here, we've broken down the key options for different types of claims and situations. But remember: you should always read the insurance policy booklet for complete details of the cover.
Medical, dental and emergencies cover with an ANZ credit card
Overseas emergency assistance | Unlimited | $0 |
Overseas emergency medical (except dental) | Unlimited | $350 |
Overseas emergency dental expenses due to sudden, acute pain in a natural tooth (toothache) | Up to $2,000 for a cardholder or their spouse Note: Any claims for dependants will come out of the limit for the cardholder and/or their spouse | $350 | Medical evacuation and repatriation | Unlimited | $350 |
Hospital cash allowance | Up to $75 per person, per day, up to $8,000 total Note: Any claims for dependants will come out of the limit for the cardholder and/or their spouse | $0 |
Assault requiring hospitalisation | $500 per person | $0 |
Loss of income | Your verified income per week, up to a maximum total limit of $10,000 per cardholder or spouse | $0 |
Permanent disability | Up to a maximum total limit of $50,000 Note: Any claims for dependants will come out of the limit for the cardholder and/or their spouse | $0 | Additional expenses Note: With ANZ credit card travel insurance, this includes a range of sub-limits. To see details, refer to Section 3.1 in the ANZ Premium Cards Insurances Booklet (page 30 of the PDF) | Unlimited | $250 |
Example of when you might use this cover on an overseas trip
If got sick overseas and had to go to hospital for a few days, you could get cover for costs related to:
- Doctor's fees
- Hospital fees
- Changes in your travel plans
Just keep in mind that each travel claim is subject to an assessment and there may be excess payments if you're eligible for a payout.
ANZ complimentary international travel insurance for cancellation, delays, accommodation and transport
Cancellation | Up to $20,000 total, with the following sub-limits:- Travel agents' cancellation fees: Up to a maximum of $2,000 per person (or less if the commission booking fee is lower)
- Rescheduling your journey: Up to $75 per day with a total of $500 for meals and up to $250 per person for internet and phone costs involved in the rescheduling.
| $350 |
Travel delay | Up to $50 for food and $250 for accommodation per cardholder or spouse in each 24-hour period, with a maximum claim amount of $2,000 Note: Any claims for dependants will come out of the limit for the cardholder and/or their spouse | $0 |
Domestic pets (additional kennel or boarding costs in Australia) | Up to $500 per cardholder or spouse (including any related claims for dependants) | $0 |
Alternative transport | Up to $2,000 for a cardholder or spouse Note: Any claims for dependants will come out of the limit for the cardholder and/or their spouse | $0 |
Return home and resumption of journey (including following the death of a relative) | Up to $3,000 for a cardholder or spouse Note: Any claims for dependants will come out of the limit for the cardholder and/or their spouse | $0 |
Rental vehicle excess | Rental vehicle theft or damage: Up to $5,000 for a cardholder or spouseReturn of rental vehicle: Up to $750 for a cardholder or spouse Note: Any claims for dependants will come out of the limit for the cardholder and/or their spouse | $0 |
Withdrawal of services (accommodation) | Up to $50 for each subsequent 24-consecutive-hour period with a maximum total limit of $500 each Note: Any claims for dependants will come out of the limit for the cardholder and/or their spouse | $0 |
⚠️ Keep in mind: Cancellations and other changes to your travel plans are only covered under specific circumstances. For example, if you missed a flight because you needed urgent medical treatment for a covered health issue.
Luggage and personal items cover offered with ANZ credit card complimentary insurance
Luggage Note: Valuables left in a vehicle or in checked-in luggage won’t be covered | Up to $12,000 per cardholder or spouse (including related claims for dependants), with the following specific limits: Computers, cameras, video cameras: Up to $4,000 Any other item: Up to $1,000 Covered items left in a vehicle during daylight hours: Up to $5,000 | $350 |
Travel documents, transaction cards and traveller’s cheques | Re-issue or replacement costs: Up to $3,000 per cardholder or spouse Fraudulent use of transaction cards or traveller’s cheques: Up to $3,000 per cardholder or spouse Note: Any claims for dependants will come out of the limit for the cardholder and/or their spouse | $0 |
Luggage delay | After 10 hours: Up to $500 After 72 hours: Up to $1,000 There is a maximum total of $1,500 per cardholder or spouse (including related claims for dependants) | $0 |
Replacement sporting equipment | Up to $200 | $0 |
Hijacking, personal liability, death and other cover offered with ANZ complimentary credit card travel insurance
Claims under these benefits are less common and usually only apply in extreme circumstances. None of them have an excess payment but we have listed their claim limits.
- Hijacking: Unlimited
- Emergency accommodation due to terrorism: Up to $300 per day and a maximum of $3,000 per cardholder or spouse
- Personal safety evacuation: Unlimited
- Personal liability: Up to $3 million per cardholder or spouse
- Legal expenses: Up to $15,000 per cardholder or spouse
- Accidental death: $50,000 per cardholder or spouse, up to $1,000 per dependant
- Funeral expenses: Up to $25,000 for a cardholder or spouse
Note: Unless a specific limit is listed for dependants, any claims related to them will come out of the limit for the cardholder and/or their spouse.
Some of the key things you won’t be covered for with ANZ credit card complimentary international travel insurance include:
- If you don’t follow advice from any government, official body or mass media announcements
- Issues related to drinking alcohol or taking non-prescription drugs
- Travel that’s for the purpose of medical treatment
- If you or your partner give birth during the trip, or there are complications arising after week 26 of the pregnancy
- Dangerous activities including rock climbing (with equipment), white water rafting, bungy jumping, off-piste snowboarding or skiing and quad or motorbike riding if the engine has a capacity of 200cc or more
Does ANZ complimentary credit card travel insurance cover pandemics?
Yes, if you are diagnosed with COVID-19 or another epidemic/pandemic illness, this insurance offers cover for claims relating to:
- Overseas emergency assistance
- Overseas emergency medical
- Evacuation and repatriation
- Cancellation
- Additional expenses
If you're travelling with someone who tests positive for COVID-19, some cover is also available under the cancellation and additional expenses benefits.
⚠️ Remember: Check the ANZ credit card insurance policy booklet or call Allianz on 1300 135 271 for more details about COVID-19 claims and any exclusions.
Does ANZ credit card travel insurance cover family members?
Yes, your spouse and dependants (i.e. your children) can also get cover when they are travelling with your for at least 50% of your trip. They also need to meet the same travel booking requirements and other conditions of the insurance policy. Check the policy document for full details.
ANZ’s complimentary credit card international travel insurance offers cover for a select number of pre-existing medical conditions when you meet the requirements, including:
- High blood pressure
- High cholesterol
- Allergies
- Coeliac disease
- Diabetes (types 1 and 2)
If your condition is listed in the policy document, you don't need to apply for written confirmation as long as you meet the following criteria:
- The condition is stable
- You are not waiting for treatment
- You are not waiting on results of medical tests or investigations
- You’re not on a hospital waiting list
- You meet any other criteria specifically listed for your medical condition
Some pre-existing medical conditions have additional requirements. For example, with diabetes, you need to have been diagnosed at least 12 months before your trip. You also can’t have any known cardiovascular, hypertensive or vascular disease – or any related kidney, eye or neuropathy complications.
⚠️ Keep in mind: Every travel insurance policy has its own definition and details about pre-existing conditions. You'll find full details in the ANZ credit card complimentary travel insurance policy document.
What if I don't meet the requirements or have a different pre-existing condition?
Call Allianz on 1300 135 271 to check if you can use this insurance. You may be able to get written confirmation from Allianz that a pre-existing medical condition is covered. Keep in mind that a $75 administration fee may apply as part of this process.
Otherwise, you won't get cover for any pre-existing conditions that cause issues. This includes conditions that you've had professional treatment for and untreated conditions you're aware of before you travel.
Got a pre-existing health condition? Compare other travel insurance policies that offer cover for conditions including anxiety, high blood pressure and knee replacement.
If it's an emergency, call Allianz on +61 7 3305 7465 when you're overseas or 1300 135 271 in Australia. You can also submit a claim online by following these steps:
- Go to the Allianz online claims portal at https://claimmanager.com.au/anz/agreement
- Confirm you agree with the terms and conditions, then select "Create new claim"
- Select the "Credit card insurance" option and provide details of your card
- Fill in the details on the claim form and upload your supporting documentation
You will be contacted about your claim within 10 business days, according to the online claims website.
What to include in your claim
With insurance claims, include as many details as you can. This makes it easier for the insurer to look at the claim and your eligibility for a payout. Some examples include:
- A referral or letter from a doctor or other professional you see in relation to a claim
- Photo evidence
- Police reports
Tip: Use a travel wallet or create an online folder to keep all your important documents together. This could include your passport, itinerary, printed tickets, a copy of the ANZ card insurance policy booklet – plus anything that could become supporting documentation for claims.
Domestic travel insurance
- What is it? Cover for specific issues that come up when you're travelling to a different state or territory in Australia. This includes:
- Cancellation: Up to a maximum of $3,000.
- Travel delay expenses: After 4 hours or more, $125 per person up to a maximum of $300.
- Additional expenses: Up to $3,000.
- Luggage: Up to $750 per covered item with a maximum of $2,000.
- Luggage delay: After a delay of 12 hours or more, $150 per person up to a maximum of $400 for all claims combined.
- When can I use it? If you have paid for your return domestic flight with your eligible ANZ credit card before you leave. Or, if you have a return domestic flight and have paid for at least $250 domestic travel costs before you leave (such as accommodation).
- Is there an excess cost? There is a $100 excess cancellation, additional expenses and luggage claims.
Rental vehicle excess in Australia insurance
- What is it? Cover for damage or theft of a car or other vehicle you have hired in Australia, up to a maximum of $5,000.
- When can I use it? If you’ve used your ANZ credit card to pay the full cost of the vehicle rental.
- Is there an excess cost? $100 per claim.
ANZ credit cards give you access to other types of insurance for items you buy. Here's a basic explainer of each one:
- Purchase protection insurance: Offers cover for up to 90 days when you buy a new item with your eligible card and it's then stolen, accidentally damaged or lost. It covers household and personal items such as laptops, shoes, jewellery and glasses.
- Extended warranty insurance: Cover that doubles the manufacturer's warranty for items bought in Australia, up to a maximum period of 12 months.
Don’t have complimentary insurance on your credit card yet? Compare ANZ credit cards or other cards that offer insurance.
All ANZ business credit cards offer complimentary unauthorised transaction insurance. Some also offer complimentary international travel insurance and transit accident insurance. Here’s a summary for different ANZ business cards:
Have an ANZ credit card that’s not on this list? Check the terms and conditions available on the ANZ website to see if your card is eligible. Or, look at ANZ travel insurance you can get without a credit card.
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Does my complimentary travel insurance also cover my wife travelling with me
Hi Bob,
Yes, if your wife is travelling with you for the entire trip and both of you meet the requirements, you’ll both be able to use this travel insurance. If you have more specific questions about this cover, you can also contact the insurer Allianz on 1300 135 271. I hope this helps.
We are going on a 35 day cruise going around Australia with many stops in Australia and also one stop in Denpasar Indonesia and 3 stop around New Zealand. The Cruise starts in Sydney and finish in Sydney. I’m using my ANZ Platinum card, are we covered?
Hi John,
The international travel insurance policy for the ANZ Platinum Credit Card has a definition for “overseas” that includes “when you are aboard a foreign registered cruise vessel in Australian territorial waters.” So if the cruise ship is registered outside Australia, it’s possible you would be covered. But you should call the insurance provider, Allianz, on 1300 135 271 to check the details specific to your travel plans. I hope this helps.
Hi I am about to turn 81 years of age will I still be covered by my Platinum card. If not will my wife who is 76 be covered even if I am not.
Hi Ron,
If you meet the other eligibility requirements for cover before you turn 81, you would be eligible for this cover. This means you would need to spend at least $250 of your prepaid travel expenses on your eligible ANZ Platinum card, have a return overseas travel ticket before you leave Australia and meet the residency requirements. Your wife would also be eligible if you met the eligibility requirements. If you have further questions, you can contact the insurance provider Allianz on 1300 135 271. I hope this helps.
Does paying for car hire on a trip count for the $250 you need to put on your platinum Visa card for Domestic travel insurance?
Hi Clare,
Car hire would generally be considered as a pre-paid travel cost. A sit’s not specifically mentioned in the ANZ Platinum and Black Complimentary Insurance policy booklet, it’s a good idea to call the insurance provider, Allianz, on 1300 135 271 to check your eligibility. I hope this helps.
HI
I’ve been diagnosed with Motor Neurone Disease and have a trip to Bali on May 25th. Will I still have coverage under a frequent flyer Anz black card if I need to be flown back to Australia.
Many thanks.
Hi Rich,
Unfortunately, Motor Neurone Disease is not one of the pre-existing medical conditions that is listed as being covered without an assessment. But you can call Allianz on 1300 135 271 to organise an assessment of your condition, which may allow you to get written confirmation from Allianz that the pre-existing medical condition is covered. A $75 administration fee may apply as part of this process.
Alternatively, you can compare travel insurance for pre-existing conditions and learn more about different options on Finder. I hope that helps.