| 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.
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.
| Benefit | Claim limit for people under 81 years of age | Excess payment (per claim) |
|---|---|---|
| Overseas emergency assistance | Unlimited | $0 |
| Overseas emergency medical (except dental) | Unlimited | $350 | Overseas emergency dental expenses due to sudden, acute pain in a natural tooth (toothache) | Up to $2,000 for a cardholder or their spouse Note: Any claims for dependants will come out of the limit for the cardholder and/or their spouse | $350 |
| Medical evacuation and repatriation | Unlimited | $350 |
| Hospital cash allowance | Up to $75 per person, per day, up to $8,000 total 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 | $0 | Permanent disability | Up to a maximum total limit of $50,000 Note: Any claims for dependants will come out of the limit for the cardholder and/or their spouse | $0 |
| Additional expenses Note: With ANZ credit card travel insurance, this includes a range of sub-limits. To see details, refer to Section 3.1 in the ANZ Premium Cards Insurances Booklet (page 30 of the PDF) | Unlimited | $250 |
If got sick overseas and had to go to hospital for a few days, you could get cover for costs related to:
Just keep in mind that each travel claim is subject to an assessment and there may be excess payments if you're eligible for a payout.
| 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:
| $350 |
| Travel delay | 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 Note: Any claims for dependants will come out of the limit for the cardholder and/or their spouse | $0 |
| Domestic pets (additional kennel or boarding costs in Australia) | Up to $500 per cardholder or spouse (including any related claims for dependants) | $0 |
| Alternative transport | Up to $2,000 for a cardholder or spouse Note: Any claims for dependants will come out of the limit for the cardholder and/or their spouse | $0 |
| Return home and resumption of journey (including following the death of a relative) | Up to $3,000 for a cardholder or spouse Note: Any claims for dependants will come out of the limit for the cardholder and/or their spouse | $0 |
| Rental vehicle excess | Rental vehicle theft or damage: Up to $5,000 for a cardholder or spouse Return of rental vehicle: Note: Any claims for dependants will come out of the limit for the cardholder and/or their spouse | $0 | Withdrawal of services (accommodation) | Up to $50 for each subsequent 24-consecutive-hour period with a maximum total limit of $500 each Note: Any claims for dependants will come out of the limit for the cardholder and/or their spouse | $0 |
⚠️ Keep in mind: Cancellations and other changes to your travel plans are only covered under specific circumstances. For example, if you missed a flight because you needed urgent medical treatment for a covered health issue.
| Benefit | Claim limit for people under 81 years of age | Excess payment (per claim) |
|---|---|---|
| Luggage Note: Valuables left in a vehicle or in checked-in luggage won’t be covered | Up to $12,000 per cardholder or spouse (including related claims for dependants), with the following specific limits: Computers, cameras, video cameras: Up to $4,000 Any other item: Up to $1,000 Covered items left in a vehicle during daylight hours: Up to $5,000 | $350 |
| Travel documents, transaction cards and traveller’s cheques | Re-issue or replacement costs: Up to $3,000 per cardholder or spouse Fraudulent use of transaction cards or traveller’s cheques: Up to $3,000 per cardholder or spouse Note: Any claims for dependants will come out of the limit for the cardholder and/or their spouse | $0 |
| Luggage delay | After 10 hours: Up to $500 After 72 hours: Up to $1,000 There is a maximum total of $1,500 per cardholder or spouse (including related claims for dependants) | $0 |
| Replacement sporting equipment | Up to $200 | $0 |
Claims under these benefits are less common and usually only apply in extreme circumstances. None of them have an excess payment but we have listed their claim limits.
Note: Unless a specific limit is listed for dependants, any claims related to them will come out of the limit for the cardholder and/or their spouse.
Some of the key things you won’t be covered for with ANZ credit card complimentary international travel insurance include:
Yes, if you are diagnosed with COVID-19 or another epidemic/pandemic illness, this insurance offers cover for claims relating to:
If you're travelling with someone who tests positive for COVID-19, some cover is also available under the cancellation and additional expenses benefits.
⚠️ Remember: Check the ANZ credit card insurance policy booklet or call Allianz on 1300 135 271 for more details about COVID-19 claims and any exclusions.
Yes, your spouse and dependants (i.e. your children) can also get cover when they are travelling with your for at least 50% of your trip. They also need to meet the same travel booking requirements and other conditions of the insurance policy. Check the policy document for full details.
ANZ’s complimentary credit card international travel insurance offers cover for a select number of pre-existing medical conditions when you meet the requirements, including:
If your condition is listed in the policy document, you don't need to apply for written confirmation as long as you meet the following criteria:
Some pre-existing medical conditions have additional requirements. For example, with diabetes, you need to have been diagnosed at least 12 months before your trip. You also can’t have any known cardiovascular, hypertensive or vascular disease – or any related kidney, eye or neuropathy complications.
⚠️ Keep in mind: Every travel insurance policy has its own definition and details about pre-existing conditions. You'll find full details in the ANZ credit card complimentary travel insurance policy document.
Call Allianz on 1300 135 271 to check if you can use this insurance. You may be able to get written confirmation from Allianz that a pre-existing medical condition is covered. Keep in mind that a $75 administration fee may apply as part of this process.
Otherwise, you won't get cover for any pre-existing conditions that cause issues. This includes conditions that you've had professional treatment for and untreated conditions you're aware of before you travel.
Got a pre-existing health condition? Compare other travel insurance policies that offer cover for conditions including anxiety, high blood pressure and knee replacement.
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 also download a claim form from https://insurance.agaassistance.com.au/anzau/page/otherInsurances/claimOther or email ANZTravelTeam@allianz-assistance.com.au but may have to wait longer for a response.
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.
With 130,000 bonus Qantas Points and complimentary insurances, the ANZ Qantas Business Rewards Credit Card could be an appealing option for business owners.
This entry-level card offers a low annual fee, a $200 digital gift card offer and mobile payments through Apple Pay, Google Pay and Samsung Pay.
Receive $250 back to your card with this promo offer. Plus, save with a competitive 13.74% p.a. purchase rate.
This platinum card offers a $0 first-year annual fee, $300 credit back offer and complimentary insurance covers.
This business rewards credit card offers 100,000 bonus ANZ Reward Points, transfers to Qantas Frequent Flyer and data feeds for accounting software. So is it right for you?
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 180,000 bonus points offer, a high earn rate and complimentary insurance.
The ANZ Rewards Platinum Credit Card offers a competitive rewards program, 100,000 bonus ANZ Reward Points and a range of complimentary insurance covers.
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 $0 first-year annual fee, $125 credit back offer and mobile payments through Apple Pay, Google Pay and Samsung Pay.
We have booked a half world cruise from Dover to Sydney with oneway flight to London. Could you please confirm if the ANZ complimentary travel insurance will cover the overseas cruise? if s is the cancellation policy.
Hi Carmen,
Cover is available for overseas cruises when you meet the requirements. There is cancellation cover as part of the policy, with specific limits for travel agent cancellation fees, rescheduling of your journey and withdrawal of services. These details are on page 18 of the policy document (pdf, effective from 27 April 2022).
Keep in mind that you need to use an eligible ANZ credit card for at least $250 worth of travel costs before the trip, live in Australia and have a return overseas travel ticket before you leave Australia. There policy doesn’t say the return travel needs to be via the same mode of transport, either. But if you have further questions, you can call the insurance provider Allianz on 1300 135 271. I hope that helps.
We have booked a cruise to the USA in April next year but can’t book return flights yet as its too early. Are we still covered please
Hi Lorraine,
According to the ANZ Platinum and Black Complimentary Insurance policy booklet, you need to have a return travel ticket before you leave Australia. So if you book your return flight before you leave and meet the other requirements, you should be eligible for cover.
For specific questions like this, it’s also a good idea to check with Allianz directly by calling 1300 135 271. And if you need a letter of eligibility for the cruise, you can get one online at http://www.checkyourcover.com.au/ANZ – after you have booked a return ticket. I hope this helps.
I have paid for overseas accommodation via Paypal that is linked to my ANZ Black Frequent Flyer card am I eligible / covered for ANZ Travel Insurance?
Hi Ronald,
You can check and get written confirmation of eligibility for cover by calling Allianz on 1300 135 271. As far as the terms and conditions go, there is no specific mention of PayPal payments in the ANZ Platinum and Black Complimentary Insurance booklet (pdf effective 27 April 2022). But if you charged at least $250 of overseas accommodation to the card and it’s showing on the account, it’s possible you’ll be covered but checking with Allianz will provide clarification on this. Hope that helps.
does my black rewards card cover my domestic travel insurance for all types of ambulance flights if i have an accident or get sick in desert regions whilst on an organised tour? I will have paid for my tour using my rewards visa card.
Hi John,
The complimentary domestic travel insurance offered on ANZ platinum and black credit cards is only available if you have paid for your return domestic flight with your eligible ANZ credit card before you leave. Or, if you have a return domestic flight and have paid for at least $250 domestic travel costs before you leave (e.g. an eligible tour).
There is some cover available for additional expenses related to injury or sickness, including travel and accommodation expenses in specific situations. The insurance policy booklet has full details of this cover (here is the pdf version effective 27 April 2022, ANZ should provide any updated versions to cardholders). For specific questions, you could also contact Allianz on 1300 135 271 (Mon-Fri between 8am-7pm AEST; Sat 8am-5pm AEST). Or email ANZTravelTeam@allianz-assistance.com.au. I hope that helps.
I have an ANZ Platinum card in my name, is my husband covered if he is driving the hire car?
Hi Bianca,
Thanks for getting in touch and I hope you are well.
Typically, in this case, the primary cardholder is the one covered under a rental car cover. As your inquiry, is very specific, we would suggest contacting Allianz to consult about this.
Hope this helps and feel free to reach out to us again for further assistance.
Best,
Nikki