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ANZ credit card complimentary travel insurance

Wondering what cover you get with ANZ credit card complimentary travel insurance? Here’s what you need to know and how to make a claim.

What you need to know:

  • ANZ credit cards with complimentary international travel insurance offer comprehensive cover for up to 3 or 6 consecutive months 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).

Which ANZ credit cards have complimentary travel insurance?

CardInternational travel insuranceDomestic travel insuranceRental vehicle excess in Australia insurancePurchase protection insuranceExtended warranty insurance
ANZ Frequent Flyer PlatinumYesYesYesYesYes
ANZ Frequent Flyer BlackYesYesYesYesYes
ANZ Rewards PlatinumYesYesYesYesYes
ANZ Rewards BlackYesYesYesYesYes
ANZ PlatinumYesYesYesYesYes
ANZ FirstNoNoNoYesYes
⚠️ Important: This guide is based on details in the ANZ complimentary credit card insurance policy booklets effective 7 June 2024. Please refer to anz.com/allianz for the most up to date information on ANZ complimentary credit card insurance.

How can you access ANZ credit card international travel insurance?

If you have an eligible ANZ credit card, you may be able to use this cover when you meet the eligibility requirements in the insurance policy booklet, including (but not limited to):

  • Prepayment of at least $250 of your travel costs before you leave Australia
  • Having a return overseas travel ticket to Australia before the start of your trip

Cover may also be available for your spouse and/or eligible dependents when both you and they meet the requirements in the policy information booklet.

If you need written confirmation of cover, you can also visit http://www.checkyourcover.com.au/anz or call Allianz on 1300 135 271 for more details.

What's covered by ANZ complimentary international travel insurance?

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

BenefitClaim limit for people under 81 years of ageExcess payment (per claim)
Overseas emergency assistance (including medical evacuation and repatriation)$20 million$0
Overseas emergency medical $20 million$500
Overseas Emergency Dental (spontaneous toothache)Up to $2,000 per cardholder or spouse

Note: Any claims for dependants will come out of the limit for the cardholder and/or their spouse

$500
Hospital cash allowanceUp to $75 per person, up to a maximum total limit of $8,000 per cardholder or spouse. Dependants are included in the limit available to the cardholder or spouse.

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 incomeYour verified income per week, up to a maximum total limit of $10,000 per cardholder or spouse. No cover is available for dependants.$0
Permanent disability$50,000 per cardholder or spouse. Dependants are included in the limit available to the cardholder or spouse.$0
Additional expenses$100,000$500

Please note that each travel claim is subject to an assessment and there may be an excess applicable.

ANZ complimentary international travel insurance for cancellation, delays, accommodation and transport

BenefitClaim limit for people under 81 years of ageExcess payment (per claim)
CancellationUp 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.
$500
Travel delayAfter 6 consecutive hours, 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 per cardholder or spouse. Dependants are included in the limit available to the cardholder or spouse.$0
Domestic pet accommodationUp to a maximum total limit of $500 per cardholder or spouse. Dependants are included in the limit available to the cardholder or spouse.$0
Alternative transportUp to $2,000 per cardholder or spouse. Dependants are included in the limit available to the cardholder or spouse.$0
Return home and resumption of journey (including following the death of a relative)Up to a maximum total limit of $3,000 per cardholder or spouse. Dependants are included in the limit available to the cardholder or spouse.$0
Rental vehicle excessRental vehicle theft or damage:
Up to a maximum total limit of $5,000 per cardholder or spouse. Dependants are included in the limit available to the cardholder or spouse.

Return of rental vehicle:
Up to a maximum total rental vehicle limit of $750 per cardholder or spouse. Dependants are included in the limit available to the cardholder or spouse.

$0
Withdrawal of services (accommodation)Up to $50 per person per 24 consecutive hours, up to a maximum total limit of $500 per cardholder or spouse. Dependants are included in the limit available to the cardholder or spouse.$0

Luggage and personal items cover offered with ANZ credit card complimentary insurance

BenefitClaim limit for people under 81 years of ageExcess payment (per claim)
LuggageUp to a maximum total limit of $12,000 per cardholder or spouse, dependants are included in the limit available to the cardholder or spouse. Sub-limits may apply, please refer to the insurance policy booklet.$500
Travel documents, transaction cards and traveller’s chequesRe-issue or replacement costs: Up to a maximum total limit replacement cost of $3,000 per cardholder or spouse. Dependants are included in the limit available to the cardholder or spouse.

Fraudulent use of transaction cards or traveller’s cheques: Up to a maximum total limit of $3,000 per cardholder or spouse. Dependants are included in the limit available to the cardholder or spouse.

$0
Luggage delayUp to $500 after a delay of 10 consecutive hours, and an additional $1,000 after a delay of 72 consecutive hours, up to a maximum total limit of $1,500 per cardholder or spouse. Dependants are included in the limit available to the cardholder or spouse.$0
Replacement sporting equipmentUp to a maximum total limit of $200. Dependants are included in the limit available to the cardholder or spouse.$0

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 (including medical evacuation and repatriation)
  • Overseas emergency medical
  • Cancellation
  • Additional expenses

Pre-existing medical conditions

Please contact Allianz if you have a pre-existing medical condition and would like to know if you will be covered under the ANZ complimentary insurance policy.

How to make a claim through your ANZ credit card complimentary international travel insurance policy

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:

  1. Go to the Allianz online claims portal at https://claimmanager.com.au/anz/agreement
  2. Confirm you agree with the terms and conditions, then select "Create new claim"
  3. Select the "Credit card insurance" option and provide details of your card
  4. 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.

Other types of ANZ complimentary credit card travel insurance

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 total limit of $3,000 for all claims combined.
    • Flight delay expenses: After 4 hours or more, $125 per person up to a maximum of $300.
    • Additional expenses: Up to a maximum total limit of $3,000.
    • Luggage: Up to $750 for each covered item, up to a maximum total limit of $2,000.
    • Luggage delay: After 4 hours or more, $125 per person up to a maximum total limit of $300 for all claims combined.
  • 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? Maximum total limit of up to the amount specified in your rental vehicle agreement or $5,000, whichever is the lesser for all claims combined during the rental.
  • 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.

How to make a claim under one of these policies

Call Allianz on 1300 135 271 in Australia or +61 7 3305 7465 from overseas. You can lodge your claim online at https://claimmanager.com.au/anz/agreement or email ANZTravelTeam@allianz-assistance.com.au. or email ANZTravelTeam@allianz-assistance.com.au.

ANZ credit card complimentary insurance for shopping

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.

ANZ business credit card complimentary insurance options

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:

CardInternational travel insuranceTransit accident insuranceUnauthorised transaction insurance
ANZ Business BlackYesYesYes
ANZ Business Rewards OptionsNoYesYes
ANZ Business 55 Interest Free DaysNoYesYes
ANZ Business Low RateNoYesYes

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.

Frequently asked question

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153 Responses

    Default Gravatar
    BobSeptember 26, 2023

    Does my complimentary travel insurance also cover my wife travelling with me

      AvatarFinder
      AmySeptember 27, 2023Finder

      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.

    Default Gravatar
    JohnSeptember 3, 2023

    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?

      AvatarFinder
      AmySeptember 4, 2023Finder

      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.

    Default Gravatar
    RonAugust 5, 2023

    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.

      AvatarFinder
      AmyAugust 7, 2023Finder

      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.

    Default Gravatar
    ClareAugust 4, 2023

    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?

      AvatarFinder
      AmyAugust 4, 2023Finder

      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.

    Default Gravatar
    RichMay 6, 2023

    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.

      AvatarFinder
      AmyMay 8, 2023Finder

      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.

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