| 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 hold an ANZ Platinum Visa credit card. Am I eligible to apply as I meet all the requirements? How do I apply for travel insurance from here?
Ian
Hi Ian,
Thank you for getting in touch with Finder.
If you have an ANZ Platinum credit card, yes it has complimentary travel insurance. You do not have to apply for or activate your card’s complimentary travel insurance given that you have used your ANZ Platinum credit card to pay for some of your trips, for at least AUD$250 and you meet the other requirements listed on this page.
I hope this helps.
Thank you and have a wonderful day!
Cheers,
Jeni
Hi, for the Vehicle Insurance, I am hiring a rental car in Italy for 7 days, do I still need to take car insurance or does the ANZ Complimentary Travel Insurance just cover the excess? Do I have to pay on the car insurance that I take out?
Thanks.
Hi Mark,
Thank you for contacting Finder.
The ANZ Credit Card Complimentary Travel Insurance has a cover for the Rental Vehicle Excess which will start upon your departure in Australia and will end on your return. You must meet the following conditions:
* the vehicle is from a registered rental company
* the damage is caused by accident, storm, fire or theft
* you will be the driver for the rental vehicle
I hope this helps.
Please do not hesitate to reach out again to us.
Cheers,
Ash
I intend to spend more than $250 in Australia to pay fees for Visa as required by certain countries . If I pay the fees with my participating ANZ credit card, will I get the complimentary Travel insurance cover.
This is because the airfares, transport and accommodation have already been paid with a non-ANZ credit card.
Hi Khanh,
Thank you for contacting Finder.
For the $250, you may not use it to pay for your Visa as to be eligible for the Complimentary Travel Insurance you may only spend it on either:
* Transport costs (airfares and/or cruises)
* Land content costs (tours, hire cars or other hired transport and accommodation)
They have not publish a specific list of countries where you are restricted to use the Complimentary Travel Insurance. You may call ANZ directly to confirm whether the country where you are heading to is covered.
I hope this helps.
Please do not hesitate to reach out if you have additional questions.
Cheers,
Ash
From reading a previous response regarding the cut-off age for cover using my Platinum ANZ Credit Card, can you confirm that as long as I book my travel whilst I’m 80 years old, I will be covered by insurance even if my by return date I have had my 81st birthday?
Hi Shirley,
Thank you for contacting Finder.
No, you need to be 80 years old or lower once you have activated the Complimentary Travel Insurance which means once you depart Australia since this will be the basis of the start of your policy. According to the Terms and Conditions, your policy will start upon you depart in Australia and will end upon your return.
I hope this helps.
Please do not hesitate to reach out again to us if you have additional questions.
Cheers,
Ash
I have had a ANZ platinum card for many years and have never claimed anything on the free travel insurance. I will be 80 next year and am in good health. Is my travel insurance still applicable after I reach 80 years old.
Hi Roland,
Thanks for getting in touch!
I checked our pages and it shows that the age limit for the ANZ credit card is 80 years of age or under on the day you activated the insurance policy. If you are still looking for travel insurance options, you may enter your travel details in our seniors travel insurance quote engine. This will allow you to compare quotes from different 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.
Hope this was helpful. Don’t hesitate to message us back if you have more questions.
Best,
Nikki