| Card | International travel insurance | Domestic travel insurance | Rental vehicle excess in Australia insurance | Purchase protection insurance | Extended warranty insurance |
|---|---|---|---|---|---|
| ANZ Frequent Flyer Platinum | Yes | Yes | Yes | Yes | Yes |
| ANZ Frequent Flyer Black | Yes | Yes | Yes | Yes | Yes |
| ANZ Rewards Platinum | Yes | Yes | Yes | Yes | Yes |
| ANZ Rewards Black | Yes | Yes | Yes | Yes | Yes |
| ANZ Platinum | Yes | Yes | Yes | Yes | Yes |
| ANZ First | No | No | No | Yes | Yes |
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):
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.
ANZ complimentary credit card travel insurance is generally available to eligible cardholders aged under 81 years of age at the time of activation. Those aged 81 or older are typically not eligible for the standard complimentary coverage provided with ANZ credit cards.
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.
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
Permanent disability
$50,000 per cardholder or spouse. Dependants are included in the limit available to the cardholder or spouse.
| Benefit | Claim limit for people under 81 years of age | Excess payment (per claim) |
|---|---|---|
| Overseas emergency assistance (including medical evacuation and repatriation) | $20 million | $0 |
| Overseas emergency medical | $20 million | $500 |
| Hospital cash allowance | Up 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 income | Your verified income per week, up to a maximum total limit of $10,000 per cardholder or spouse. No cover is available for dependants. | $0 |
| Additional expenses | $100,000 | $500 |
Please note that each travel claim is subject to an assessment and there may be an excess applicable.
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
| Benefit | Claim limit for people under 81 years of age | Excess payment (per claim) |
|---|---|---|
| Cancellation | Up to $20,000 total, with the following sub-limits:
| $500 |
| Travel delay | After 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 accommodation | 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 |
| Alternative transport | Up 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 excess | Rental 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 |
| Benefit | Claim limit for people under 81 years of age | Excess payment (per claim) |
|---|---|---|
| Luggage | Up 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 cheques | Re-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 delay | Up 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 equipment | Up to a maximum total limit of $200. Dependants are included in the limit available to the cardholder or spouse. | $0 |
Yes, if you are diagnosed with COVID-19 or another epidemic/pandemic illness, this insurance offers cover for claims relating to:
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.
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:
You will be contacted about your claim within 10 business days, according to the online claims website.
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:
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.
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 cards give you access to other types of insurance for items you buy. Here's a basic explainer of each one:
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:
| Card | International travel insurance | Transit accident insurance | Unauthorised transaction insurance |
|---|---|---|---|
| ANZ Business Black | Yes | Yes | Yes |
| ANZ Business Rewards Options | No | Yes | Yes |
| ANZ Business 55 Interest Free Days | No | Yes | Yes |
| ANZ Business Low Rate | No | Yes | Yes |
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.
The ANZ Rewards Platinum Credit Card offers up to 80,000 bonus Velocity Points and a range of complimentary insurance covers.
Receive $400 back to your card with this promo offer. Plus, save with a competitive 13.74% p.a. purchase rate.
Got an ANZ credit card? Earn points towards rewards with your everyday spending.
This platinum card offers a $0 first-year annual fee, $450 credit back offer and complimentary insurance covers.
The ANZ Frequent Flyer Black has a competitive bonus Qantas Points offer and perks including Qantas Club Lounge invitations and complimentary insurance. Weigh up if it's worth the $425 annual fee.
Compare the features of the ANZ Rewards Black, including a high earn rate and complimentary insurance.
The ANZ Rewards Platinum Credit Card offers a competitive rewards program, up to 125,000 bonus ANZ Reward Points and a range of complimentary insurance covers.
Save with a 0% p.a. interest rate on balance transfers for 26 months. Plus, enjoy a $0 annual fee in the first year and a competitive 13.74% p.a. purchase rate.
Earn Qantas Points as you spend, enjoy complimentary travel insurance and take advantage of an introductory offer on the ANZ Frequent Flyer Platinum.
This entry-level card offers a $220 credit back offer and mobile payments through Apple Pay, Google Pay, Samsung Pay and Garmin Pay.
I’d like to ask about medical insurance for my child who is 3 years old. I’m working in Melbourne and I have ANZ debit card. Next week my family will come to Melbourne and they are going to stay there for 2 months. Do you have medical insurance for my child?
Hi Yoshi,
Thanks for getting in touch with Finder. I hope all is well with you. :)
If you have ANZ, debit card, it is less likely that you or your child won’t get covered. Moreover, please note that even if you have an ANZ credit card, not all their credit cards come with medical insurance. Most of them only come with complimentary travel insurance. This means that you or your child will only be covered when you travel and when you use your credit card in purchasing travel-related items or services.
If you need medical or health insurance, you would need to check other providers. We have a page where you can find some of your health insurance options. On that page, you will be able to compare health insurance, get quotes, and other necessary information about health insurance.
I hope this helps. Should you have further questions, please don’t hesitate to reach out again.
Have a wonderful day!
Cheers,
Joshua
I paid my oversees travel ticket (in April and May and I used my ANZ platinum card. I would like to have ANZ travel Insurance . How to do IShould I call to ANZ Bank to tel date and place my oversees travel or should I go personally to any branch of ANZ bank ?
Hi Edward,
Thank you for reaching out to Finder.
Generally, if you paid for the entire trip using your ANZ Platinum card you should already be covered. Though you may have this verified by calling ANZ customer service. The number is available near the bottom of the page we are on. Hope this helps!
Cheers,
Reggie
Travelling to N.Z and will be hiring a car will this policy cover the excess
Hi Wendy,
Thanks for getting in touch! This card comes with premium benefits, including complimentary insurance for overseas trips, interstate flights and rental car excess payment. Please note that car rental excess will only reimburse any collision excess that you have paid under any rental vehicle agreement with a car rental company to hire a rental vehicle registered in Australia, including its external territories. It does not include overseas coverage.
We suggest to contact ANZ or Allianz insurance to double check on this information.
Best,
Nikki
What constitutes a pre-existing condition which must be advised? Does not having a spleen, i.e. being a fully vaccinated spleenectomised patient constitute as a pre-existing condition. How to apply to have this recognised?
Hi Terence,
Thank you for getting in touch with finder.
Please note that the ANZ credit card complimentary travel insurance is underwritten by Allianz Australia Insurance. Kindly contact them directly to discuss your pre-existing medical condition and have a medical assessment. In the event that your medical condition is approved and you choose to get cover, you’ll have to pay an administration fee.
I hope this helps.
Thank you and have a wonderful day!
Cheers,
Jeni
We are travelling to Cocos Islands in June and hiring a vehicle on arrival.
Does this insurance cover the excess on vehicle collision damage?
We are both in the age group around 70 yrs. We are to pay for accommodation and if we pay for this with our credit card, are we covered?
Airfares have already been paid (not from credit card) and Vehicle hire is payable on arrival. (will pay from Credit card)
Hi Shirley,
Thanks for getting in touch with finder. I hope all is well with you. :)
The Rental excess cover of ANZ’s complimentary insurance will provide you with up to $5,000 for rental collision excess costs within Australia. It has an excess payment of $350 per event. ANZ considers Cocos Island as an overseas travel. For this reason, you might not be covered by ANZ since their rental excess cover is only available within Australia.
Regarding your second question, you can activate ANZ travel insurance by paying for your accommodation and car rental. Make sure that you spent at least $250 on your card. You can learn more how to activate ANZ’s travel insurance by reading the information under the subheading “What are the eligibility requirements?” You can find this information above this page.
It would also be a good idea to directly get in touch with ANZ to obtain a more personalised answer.
I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.
Have a wonderful day!
Cheers,
Joshua