anz-insurance

ANZ Credit Card Complimentary Travel Insurance

Information verified correct on December 3rd, 2016

Interested in ANZ credit cards with complimentary travel insurance? Find out more about your options here.

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 QBE Insurance Australia, and have the potential to save you hundreds of dollars. Just as with purchased insurance, though, 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. There are six options currently available.

Compare ANZ credit cards with complimentary insurance

Rates last updated December 3rd, 2016
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
ANZ Platinum Credit Card - Exclusive Offer
Receive a low introductory offer of 0% p.a. on purchases for 3 months and 0% p.a. on balance transfers for 12 months. Also, enjoy an annual fee waiver in the first year.
0% p.a. for 3 months (reverts to 19.74% p.a.) 0% p.a. for 12 months $0 p.a. annual fee for the first year ($87 p.a. thereafter) Go to site More info
ANZ First Visa Credit Card
Enjoy 0% p.a. balance transfer rate for the first 18 months, a low annual fee, interest-free days on purchases and a low minimum credit limit.
19.74% p.a. 0% p.a. for 18 months with 3% balance transfer fee $30 p.a. Go to site More info
ANZ Frequent Flyer Platinum
Get 50,000 bonus Qantas Points when you apply online, are approved and spend $2,500 on eligible purchases within the first 3 months. Enjoy a waived annual fee for the first year and earn up to 1.5 Qantas Points per dollar spent.
19.99% p.a. $0 p.a. annual fee for the first year ($295 p.a. thereafter) Go to site More info
ANZ Rewards Travel Adventures card
Pay no overseas transaction fee on purchases and receive complimentary domestic return flight and lounge passes each year you hold the card when you spend $500 on eligible purchases within the first three months.
20.24% p.a. $225 p.a. Go to site More info
ANZ Rewards Platinum
Receive 50,000 bonus Reward Points after your first eligible purchase is made within 3 months of card approval and earn up 2 Reward Points for every dollar spent on purchases.
18.79% p.a. $95 p.a. Go to site More info
ANZ Low Rate Platinum Credit Card
$250 Back plus 0% p.a. for the first 6 months on purchases from approval.
0% p.a. for 6 months (reverts to 13.49% p.a.) $99 p.a. Go to site More info
ANZ Frequent Flyer Black
Earn 75,000 bonus Qantas Points after you spend $2,500 on eligible purchases within the first 3 months plus enjoy $0 annual fee for the first year. Plus, enjoy easy payments with Apple Pay.
19.99% p.a. $0 p.a. annual fee for the first year ($425 p.a. thereafter) Go to site More info
ANZ Rewards Black Credit Card
Earn 75,000 Reward Points after your first eligible purchase within the first three months. Up to 3 reward points per dollar spent and unlimited access to airport lounges with complimentary travel insurance.
18.79% p.a. $375 p.a. Go to site More info
ANZ Platinum Credit Card
Enjoy platinum card benefits with $0 annual fee in the first year and complimentary overseas travel and medical insurance.
19.74% p.a. 0% p.a. for 18 months with 3% balance transfer fee $0 p.a. annual fee for the first year ($87 p.a. thereafter) Go to site More info

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. QBE 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, QBE will not insure you or anyone else for issues that are caused by a pre-existing medical condition, or for any travel you take for the purpose of getting medical treatment.

What is a pre-existing medical condition?

QBE defines a pre-existing medical condition as: “any existing medical condition, including but not limited to mental disorder, anxiety, alcoholism, drug addiction or pregnancy and/or any chronic or ongoing physical, medical or dental condition.” These conditions will not be covered if consultations, treatment or medication has been prescribed or taken before you paid for your flights, or before your trip begins. In some circumstances, the complications that arise from any of these conditions may be covered by the insurance. You can contact QBE on 1300 135 271 to discuss these exceptions and find out what cover you can get based on your individual circumstances.
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 QBE on 1300 135 271.

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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 follow:

  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.
  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. 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.

What is a spouse?

QBE defines a spouse as 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”.

What is a dependent child?

Your children, stepchildren, 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 will be considered as dependents who are eligible for insurance coverage. For transit accident insurance, dependents up to the age of 25 can also be insured if they are studying full time and unmarried. Check with QBE Insurance if you are unsure of the eligibility of a child travelling with you.
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How do I make a claim?

QBE 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 QBE. Call the insurance company on 1300 135 271 in Australia or + 61 3 8523 2800 from overseas. You can also email QBE at travel.claims@qbe.com. 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. QBE 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. QBE 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.

QBE 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
BenefitPolicy limit (per person)Excess

Overseas medical and dental expenses

Unlimited$250

Evacuation and repatriation

Unlimited $250

Hospital compensation

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

Cancellation and additional expenses

BenefitPolicy limit (per person)Excess

Cancellation or holiday deferment costs

Unlimited Exceptions: Agents fees up to a maximum of $2,000$250

Emergency travel arrangements and accommodation expenses

Unlimited

Exceptions: Meals up to $500 and internet and telephone calls up to $250

$250

Loss of reward points

Unlimited$250
Non-medical evacuation and repatriationUnlimited$250
Luggage and personal effects
BenefitPolicy 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$1,000Nil
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)

$2,000Nil

Resumption of trip

$3,000Nil

Withdrawal of services

$500Nil
HijackingUnlimitedNil
Emergency accommodation due to terrorism$3,000Nil
Domestic pets$500Nil
Rental vehicle expenses
BenefitPolicy limit (per person)Excess

Rental vehicle insurance excess

$5,000Nil

Return of rental vehicle

$750Nil
Accidental death, permanent disability and loss of income
BenefitPolicy limit (per person)Excess

Accidental death

$50,000Exception: $1,000 for each accompanying dependent childNil

Funeral expenses or repatriation of remains

$25,000Nil

Total permanent disability

$50,000Nil

Loss of income

$10,000Nil
Personal liability and legal expenses
BenefitPolicy limit (per person)Excess

Personal liability

$3,000,000 per eventNil

Legal expenses

$15,000Nil
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Transport accident insurance

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

Transport accident injury resulting in:Sum insured

Loss of life

$750,000

Loss of both hands or both feet

$375,000

Loss of one hand and one foot

$375,000
Loss of entire sight in both eyes$375,000
Loss of entire sight in both eyes and loss of one hand or one foot$375,000
Loss of one hand or one foot$175,000
Loss of entire sight in 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.

BenefitLimit

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 90 days to protect against the theft, 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
  • Anything over $3,500 in jewellery, watches and fine art
  • More than $135,000 over a 12-month period to your account

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
3 years1 year4 years
5 years1 year6 years
Over 5 yearsNo 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). It outlines the following exceptions:

  • Goods purchased with the intent of reselling or resupplying them
  • Goods purchased for transformation or to be used in the operation of a business
  • Goods used in operating a business
  • Goods that do not have a unique identification serial number given by the manufacturer
  • Goods that already have an Australian warranty that is longer than five years
  • Vehicles with engines including but not limited to boats, cars, motor boats and airplanes, as well as parts and accessories for these items
  • Second-hand goods, which include antiques
  • Real estate and movable fittings or fixtures that are an integral part of a residential, commercial or other type of property
  • Goods that cost more than $2,000

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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Conclusion

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 theANZ Premium Insurance guide for full details of each policy. Alternatively, you can contact QBE directly on 1300 135 271 with any specific questions or concerns.

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10 Responses to ANZ Credit Card Complimentary Travel Insurance

  1. Default Gravatar
    Sid | November 28, 2016

    Hi,

    Quick question regarding the extended warranty on offer with the ANZ Black card. So, if I buy an eligible item having 2 years Australian warranty, extended warranty would be another 2 years- so total of 4 years. My question is can I still claim extended warranty (3rd year and later) if I have surrendered the card since, even if I had originally purchased the item using the ANZ black card? Thanks.

    • Staff
      May | November 28, 2016

      Hi Sid,

      Thanks for your question.

      Usually, the benefits of the credit cards will no longer take effect and cannot be used in the event that you close or cancel your account. So in case you will close your eligible ANZ card, the extended warranty insurance benefit attached to it can no longer be taken advantage of or claimed.

      Cheers,
      May

  2. Default Gravatar
    Andrew | November 6, 2016

    I am about to travel for a week to Hong Kong and have an ANZ Platinum card. Do I need to pay the fares using this card and do I need to inform the bank when I am leaving and returning. I assume it only covers the card holder.

    • Staff
      Jason | November 10, 2016

      Hi Andrew,

      Thank you for your inquiry.

      You must meet the eligibility requirements to get the complimentary insurance of this ANZ Platinum card. The coverage will automatically activate once you spend a total of least AUD$250 (inclusive of taxes and other charges) for transport or land content costs using the card. The complimentary travel insurance will also cover your spouse and any dependent children that are travelling with you throughout the journey once they meet the eligibility criteria, including payments for their travel bookings using your ANZ Platinum card.

      Cheers,
      Jason

  3. Default Gravatar
    sandy | October 23, 2016

    My family and I are heading to Europe in May 2017 however we are purchasing tickets now, October 2016. Your complimentary insurance covers us from the day we start to travel for a period of 6 months. What happens if a close member of our family (not travellers) becomes seriously ill or dies and we need to cancel the flights prior to departure? Are we covered? Do we get our travel costs covered and reimbursed?

    • Staff
      May | October 28, 2016

      Hi Sandy,

      Thanks for you question. Just to confirm that you’ve reached finder.com.au – a comparison website and general information service, not actually ANZ nor QBE Insurance.

      The Cancellation and Additional Expenses are actually included in the complimentary travel insurance attached to your eligible ANZ credit card, however, certain conditions apply.

      On pages 31 to 33 of the T&Cs, QBE Insurance has not stated that the cancellation and travel expenses will be covered if the reason for cancellation is due to a serious illness or death of a family not travelling with you.

      For your reference, I have sent to your email the ANZ travel insurance PDS.

      Cheers,
      May

  4. Default Gravatar
    | September 16, 2016

    Does this insurance cover me if I’m going snowboarding ?

    • Staff
      Ysa | September 21, 2016

      Hi Todd,

      Thanks for your question.

      Unfortunately, there seems to be no mention of covers on snowboarding and other sports activities on the ANZ credit cards insurance policy.

      I have forwarded the PDF of the insurance policy to your email for your perusal. Should you wish to clarify on this further, you’ll need to get in touch with the QBE Insurance Group Limited (insurer) customer service team for direct assistance. You can find their contact information on the document I’ve sent to your email.

      I hope this helps.

      Cheers,
      Ysa

  5. Default Gravatar
    Kayleigh | July 21, 2016

    Hi,
    I am interested in the ANZ rewards Travel adventure card. In relation to the travel insurance – it says it is valid for 6 months from the day of departure.
    I am heading on a trip for 9 months, can I chose to begin this insurance 3 moths in to my trip to cover the final 6 month period?

    What is the average time to be accepted for this card once applied for?

    Thank you.

    • Staff
      May | July 21, 2016

      Hi Kayleigh,

      Thanks for your inquiry.

      For ANZ complimentary travel insurance, the 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. So for your 9-month travel, you’ll be covered for the first 6 months of your trip. You may want to get a separate insurance cover for the last 3 months of your journey.

      As for the ANZ credit card application, if you will apply online, you should receive a response in 60 seconds, with an online application reference number. Once you’re approved, you will usually receive your card and welcome kit within five business days. Your PIN will be mailed two business days after the card is issued.

      Hope this has helped.

      Cheers,
      May

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