Ask Credit Card Finder: Can I get complimentary travel insurance if I have high blood pressure?

Posted: 5 December 2018 9:00 am

If you have high blood pressure or another managed medical condition, will you still be able to use your credit card’s complimentary travel insurance policy?

I have an ANZ Rewards Platinum credit card and my husband and myself are planning to use the travel insurance it offers for upcoming international and domestic trips. We both have stable hypertension that’s managed well with oral medication, with no other medical conditions. Do we need to fill out a medical appraisal form to get coverage?

This type of question comes up a lot when people are looking at credit cards with complimentary travel insurance – and the answer depends on the card and the policy provider.

The overseas travel and medical insurance policy offered on the ANZ Rewards Platinum will cover hypertension (aka high blood pressure) as long as it is stable and you’re not waiting for treatment, on a hospital waiting list or awaiting the results of medical tests or investigations.

So, both you and your husband can get coverage under this policy when you have used the card to pay for at least $250 worth of flights, accommodation or other eligible travel costs before you go overseas.

You’ll also need to be less than 80 years of age at the time of your trip. If either you or your husband is over 80, you could look at travel insurance policies that have higher age limits or no age limits.

Complimentary travel insurance in Australia

An important detail to note is that the overseas medical and travel insurance cover offered on the ANZ Rewards Platinum won’t extend to your domestic travel plans. Instead, any trips that you take entirely within Australia may be eligible for the card’s interstate flight inconvenience insurance, which offers cover for the following issues:

  • Flight delays and luggage delays
  • Loss or damage to personal items
  • Funeral expenses as a result of accidental death
  • Cancellation of domestic travel arrangements due to serious injury, illness, or an unexpected death
  • Rental vehicle excess cover

To get this cover for domestic travel, you’ll need to pay for the entire trip with your ANZ Rewards Platinum card and be away for a maximum of 14 days.

As there are differences between the cover you’ll get when travelling overseas or in Australia, take a look at the insurance policy booklet (pdf) to decide if the coverage is suitable for you and your husband. Alternatively, you could call the insurance provider – Allianz – on 1300 135 271.

What about other medical conditions?

As well as hypertension, the complimentary overseas travel insurance offered on premium ANZ credit cards offers automatic coverage for a number of existing medical conditions, including allergies, anaemia, Bell’s palsy, carpal tunnel syndrome, coeliac disease and high cholesterol.

Once again, the condition will need to be stable and you must not be waiting for medical treatment, on a hospital waiting list or awaiting results of medical tests or investigations.

If you’re currently waiting for diagnosis or test results, or if you have an existing medical condition not listed in the policy booklet, you could apply to get cover by calling Allianz on 1300 135 271 before your trip.

Similar requirements usually apply for the complimentary travel insurance offered on other credit cards, although the details of what conditions will and won’t get automatic cover do vary. So, if you have any questions, check the policy booklet or call the insurance provider to make sure you can get cover before you go overseas.

Ask Credit Card Finder is a weekly column written by Finder's credit card expert Amy Bradney-George. All rates and fees are correct at time of publication and we only give general advice.

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