Ask Finder: How can I get policy details for complimentary travel insurance?

While ANZ is the issuer of your platinum credit card, the complimentary travel insurance is actually provided by Allianz Global Assistance under a master policy taken out by ANZ.

In case you're wondering, master policies are different to the individual travel insurance policies you can buy because they are designed to cover a specific group of people. In this case, eligible ANZ cardholders and their spouse or dependent children.

This means you don't get an individual policy number, but are covered by the overall master policy number – which is what you'll need to provide for the cruise company. You can get this number by calling Allianz on 1300 135 271 or by emailing ANZTravelTeam@allianz-assistance.com.au and asking for a letter of eligibility.

Along with the policy number, this letter outlines the eligibility requirements for your travel insurance. In your case, the ANZ Platinum offers this cover when you use your credit card to pay for at least $250 of your overseas travel costs before you go overseas – so paying for your cruise tickets should have covered that requirement.

It's also worth going over the other eligibility requirements, including age (you're covered if your under 80 years old) and existing medical conditions. Many medical conditions are automatically covered by this policy – including stable hypertension – but it's still worth checking the insurance policy document (pages 29-31) to see if you need to request additional cover.

Another important detail to note: you should contact Allianz, rather than ANZ, if you have any questions about the cover or need to make a claim. So it's worth taking a copy of the letter of eligibility with you when you travel, as well as keeping the policy document and contact details handy.

What about other credit card travel insurance policies?

This question raises a really important point for anyone going on a cruise or tour because, as was the case here, you may be asked for details of your travel insurance before you leave.

If you have complimentary travel insurance through a different credit card provider, the policy will be slightly different.

CommBank, for example, provides you with a certificate of cover (including your policy number) when you activate your insurance through NetBank. Meanwhile, NAB lists all the policy numbers on the complimentary credit card insurance product disclosure statement. Both St.George and Bank of Melbourne do the same with their complimentary credit card travel insurance documents.

So, in most cases, the easiest way to get details of your insurance provider and policy is to check the complimentary insurance policy product disclosure statement. If the policy number/s are not listed on it, you can call the insurance provider to get the details you need.

And, if you can't find the complimentary travel insurance policy details, contact your credit card company and ask them for the travel insurance provider's information so that you can follow up directly.

Not every cruise or travel company will ask for travel insurance details, but at least now you know how you can get this information if you ever need it again. Happy travels!