| 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.
With up to 150,000 bonus Qantas Points and complimentary insurances, the ANZ Qantas Business Rewards Credit Card could be an appealing option for business owners.
Repay your debt and save with 0% p.a. on balance transfers for 28 months and a $0 first-year annual fee.
This business rewards credit card offers up to 150,000 extra ANZ Reward Points, transfers to Velocity 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 this low rate business credit card designed to help your company manage employee expenses.
Compare the features of this ANZ business credit card, including accounting software data feeds, additional cards for employees and up to 55 interest-free days on purchases.
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.
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
my wife has a supplementary anz credit card that is off my platimum card .
She has paid 870 for hotel accommodation and 800 for air fares .
Does this entitle us to complimentary travel insurance with anz as we are about to fly to bali this week.
Hi Mark,
Thanks for your comment and I hope you are doing well.
As it says on the page, “to activate your complimentary travel insurance, you will need to use your participating ANZ credit card to pay for at least AUD$250 (inclusive of taxes and other charges) of your prepaid travel costs.” Which includes hotel and airfare.There are also a number of other requirements you need to meet to use this cover. Allianz has outlined the following key conditions:
Residency status. You should be a permanent Australian citizen or resident or hold a visa that allows you to live and work in Australia issued under the Migration Act 1958 (Cth).
Ticket. You must have a valid return overseas travel ticket before leaving Australia.
Age. You must be 80 years of age or under on the day you activated the insurance policy.
Dependents. A spouse and/or a child who is traveling with the cardholder on the trip for at least 50% of the period of cover is also eligible for the travel insurance.
Given this, you are entitled to complimentary travel insurance from ANZ.
Hope this helps and have a safe trip!
Cheers,
Nikki
Hi Vince,
Thanks for your comment and I hope you are doing well.
You are able to obtain your policy number and travel insurance documentation by calling Allianz. They are the underwriter of the ANZ credit card’s travel insurance policy. Have a great cruise!
Hope this helps and feel free to reach out to us again for further assistance.
Best,
Nikki
My husband I are travelling by car on 22nd December 2019 from Brisbane to Melbourne to travel on the Spirit of Tasmania on 24th December 2019 returning on the Spirit of Tasmania on 9th January 2020 and travelling by car back to Brisbane Queensland arriving on 12th January 2020. I meet the criteria for travel insurance. Is my trip to Tasmania covered
Hi Gail,
Thanks for your comment. I wish you are well.
It’s helpful to know that the complimentary insurance for premium ANZ credit cards is for international use only. Nonetheless, we invite you to view our page that talks about Australian domestic travel insurance to find and compare insurers.
As a friendly reminder, carefully review the Product Disclosure Statement of the product before applying. You may also contact the insurance provider should you have any questions about their policy. When you are ready, press the ‘Get quote’ button to request free quotations.
Hope this helps!
Best,
Nikki
I have already purchased my flight ticket and now looking at the ANZ Rewards Travel Adventures card for overseas purchases and general use as a Visa card. When I purchased the card am I automatically covered for travel insurance . If not what do I need to do to qualify for complimentary insurance ?
Hi Bryan,
Thanks for your comment and I hope you are well.
The ANZ Rewards Travel adventures card requirements to activate your complimentary travel insurance, you will need to use your participating ANZ credit card to pay for at least AUD$250 (inclusive of taxes and other charges) of your prepaid travel costs.
You will find other eligibility requirements, how to make a claim and what you’re covered for as included in the complimentary travel insurance.
Hope this helps!
Best,
Nikki