ANZ Travel Insurance

ANZ Insurance Travel Insurance Review

Travel insurance is one of those things you don’t realise the value of until you need it, especially if you are excitedly focused on itineraries, tour plans and shopping destinations. While travelling abroad and within Australia can be one of the most amazing experiences of your life, it can also be fraught with various unforeseen risks that when experienced overseas, can be extremely expensive to manage. You could suffer a serious illness or injury, your flight could be delayed or your baggage could be lost or stolen. Travel Insurance ensures that in the event you suffer a loss while travelling, adequate emergency and financial support is there to ensure you receive the best treatment and are not left out of pocket. does not currently have access to this travel insurance brand. You may wish to compare options available on the travel insurance homepage.

Who Underwrites ANZ Travel Insurance?

ANZ Travel Insurance is co-issued by OnePath General Insurance Pty Limited and QBE Insurance. OnePath is one of Australia’s top providers of insurance, wealth and advice solutions. QBE Insurance Group is one of the world's top 20 reinsurance and general insurance companies.
With so many different travel insurance products available on the Australian market, choosing the right option for your trip can take a bit of time. It is not only a process of comparing the different policy options available but also comparing the providers that will be providing you with support. ANZ is one of the most well-known financial institutions in Australia, offering a range of banking and financial protection solutions to a variety of customers. With over 48,000 employees and operations in 32 countries, ANZ serves around eight million satisfied customers. Australia is ANZ’s largest market, where it serves approximately six million retail and commercial customers through a network of around 800 branches, 115 business centres, 2,700 ATMs, and leading online and mobile banking applications.This review will offer some background to ANZ and the range of travel insurance policies that they offer.

Who is ANZ?

The history of ANZ dates back over 175 years. It first opened as the Bank of Australasia in Sydney in 1835, then in Melbourne in 1838. The company is committed to building lasting partnerships with customers, shareholders and communities in 32 countries. In addition to Australia and New Zealand, it operates throughout Asia, the Pacific, the Middle East, Europe and America. ANZ’s world headquarters is located in Melbourne.

Continued Growth

ANZ aims to become a super regional bank. This involves growing its presence in the Asia Pacific region. It is aiming to source 25-30% of its earnings from its Asia Pacific Europe and America Divisions by 2017, while also being very focused on growth in its core domestic businesses in Australia and New Zealand.

ANZ has many solutions to offer to cater for your needs. ANZ has a range of travel insurance policies with different level of cover so you may find a solution that aligns to your cover requirements and budget. The bank provides an International travel plan and an Australian travel plan.

Why take out ANZ Travel Insurance?

ANZ is a well-trusted brand. With its long history and presence in 32 countries across the world, ANZ has worked hard to ensure they offer superior customer support when it is needed most. Whether submitting your application, receiving support while overseas or lodging a claim, ANZs team of staff will be on hand to ensure you receive the right assistance.

If you are away from home, it's a quiet comfort to be know that there is someone watching your back and, in the event that something does go wrong, you will be able to get in contact with a real person and get the support that you need.

ANZ travel insurance covers activities that other insurers don’t, so you don’t have to miss out on the fun and you can make the most of your holiday confident that you will be covered.
It covers:

  • Medical and dental expenses
  • Missed flight connections
  • Luggage and belongings
  • Cancellation and additional expenses
  • Rental vehicles
  • Evacuation and repatriation
  • Death, permanent disability and loss of income
  • Legal costs
  • Snow sports package, bungee jumping, scuba diving, whitewater rafting
  • Support is available for you 24/7 no matter where you are in the world

ANZ Travel Insurance Benefits

ANZ Travel Insurance policies provide cover for a range of different events. There may be certain exclusions applied to different events so it is always worth reading through the product disclosure statement to know exactly when a benefit may be paid:

Medical and dental expenses

  • Unlimited medical and dental expenses – medical and dental expenses which are reasonable and necessary to treat an injury to a healthy body and natural teeth, and up to $2,000 (single) and $4,000 (double)
  • Hospital compensation - up to $8,000 (single) and $16,000 (double)
  • Emergency travel expenses for a relative - up to $20,000 (single) and $40,000 (double)
  • Post-hospital accommodation - up to $500 (single) and $1,000 (double)
  • Cover for known and existing medical conditions - an additional form might have to be completed and a premium loading may be applied

Luggage and belongings

  • Lost, stolen or damaged luggage or belongings - international, up to $15,000 (single) and $30,000 (double), and domestic, up to $4,000 (single) and $8,000 (double)
  • Emergency luggage - up to $500 (single) and $1,000 (double)
  • Stolen cash up to $200
  • Hiring replacement golf and surf equipment
  • Replacement passports and travel documents

Cancellation and additional expenses

  • Unlimited international cancellation cover; domestic, up to $10,000 (single) and $20,000 (double)
  • Emergency travel and accommodation
  • Loss of reward points
  • Travel delay, including additional accommodation and meals
  • Airfare compensation for medical attendant
  • Resumption of trip
  • Hijacking
  • Domestic pet boarding fees if you’re delayed
  • Childcare costs in Australia
  • Missed flight connections
  • Emergency phone assistance line, available 24 hours a day, seven days a week

Rental vehicles

  • Rental vehicle excess or cost of repair - international up to $5,000 and domestic up to $3,000
  • The cost of returning a rental vehicle to the nearest depot

Evacuation and repatriation

  • Medical evacuation and repatriation
  • Non-medical evacuation and repatriation
  • Unlimited international cover; domestic, up to $5,000 (single) and $10,000 (double)

Death, permanent disability and loss of income

  • Accidental death cover
  • Funeral expenses overseas or repatriation of remains
  • Funeral expenses in Australia, up to $5,000 a person
  • Total permanent disability cover
  • Cover for loss of income due to injury or illness

Legal Costs

  • Personal liability up to $3,000,000
  • Legal expenses up to $15,000 (single) and $30,000 (double)

It is important to refer to the Product Disclosure Statement for the additional benefits provided under different covers.

How Much Does ANZ Travel Insurance Cost?

When calculating the cost of your policy, ANZ will consider a number of different factors including:

  • The length of your trip
  • The travel plan selected, whether it is a Single or Double Policy
  • Whether you are travelling with any dependent children
  • Where you are travelling to
  • Your age
  • Any additional amounts determined by them to cover an existing medical condition

The premium payable by you for the travel plan selected and any cover for an approved existing medical condition will be shown on your Certificate of Insurance, including compulsory government charges (such as Stamp Duty and GST wherever applicable). The policy is only valid when you pay the premium and they issue a Certificate of Insurance to you.

Making an ANZ Travel Insurance Claim

You must do everything reasonable to prevent a loss from occurring or, when a loss has occurred, to prevent it from becoming worse. In the event of a claim you must:

  • Notify ANZ promptly of your claim and complete a claim form
  • Provide the insurance company with (at your own expense) any documents, letters or notices relating to a claim or rental agreements, possible claim, repair quotes, original receipts, medical certificates, itemised medical accounts, ticket and luggage checks, or any information that the company requests
  • Pass on any and all documents or letter that you receive relating to a potential claim
  • Mot make any promise or offer of payment, admit fault to anyone, or become involved in any litigation in respect of an event that may result in a claim under this policy, without the consent of the company
  • In the event of a claim caused by any medical condition, obtain evidence from the treating doctor as soon as you are aware of signs or symptoms of the condition
  • In cases of theft, damage or loss, report the matter to the police, transport provider, hotel or other authority within 24 hours and obtain a copy of that report
  • Report any loss of or damage to your accompanying luggage in writing to the carrier within three days and send the company a property irregularity report, along with details of any settlement that they make in relation to the loss or damage

The bank may refuse to pay a claim under this policy if you do not comply with the conditions of this policy.

Who is Eligible for ANZ Travel Insurance?

In order to be allowed to get ANZ Travel Insurance, the applicants must:

  • When certificate of insurance is provided the applicant must be in Australia
  • Take out travel cover prior to commencing their trip
  • Live in Australia and are eligible to receive a Medicare card
  • Take out cover within 12 months of their departure
  • Plan to return to Australia at the end of their journey

Can I take out cover if I have a pre-existing medical condition?

Yes it is possible to take out cover if you have a pre-existing medical condition. ANZ has a list of medical conditions that are automatically covered. Additional medical information will be required if you are under 70 years of age with a medical condition or if you are over 70 years of age.

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6 Responses to ANZ Travel Insurance

  1. Default Gravatar
    Jenny | September 18, 2016

    Does your ANZ travel insurance cover cruise ships from US to Australia

    • Staff
      Richard | September 20, 2016

      Hi Jenny,

      Thanks for your question. is a comparison service and not an insurer. ANZ is not currently one of the providers in our panel but they do provide cruise insurance under their international travel insurance as long the cruise has an international stop over.

      If you would like to compare cruise cover from the brands in our panel, please head over to cruise travel insurance page.

      I hope this was helpful,

  2. Default Gravatar
    Philip | May 27, 2016

    Does ANZ credit card International Travel insurance cover the event of a close relative,s death eg (Brother ,Mother etc) back home where you have to return to Australia.Do they cover the cost of flights home

    Thank You

    • Staff
      Richard | May 30, 2016

      Hi Phil,

      Thanks for your question. It will depend on the age of your relative and whether or not their death is due to an underlying condition. According to the ANZ Travel Insurance product disclosure statement:

      What is covered?
      QBE Travel Insurance (underwriters of the policy) will cover you if you have to return to Australia because of the hospitalisation or death of a relative in Australia during your trip as a direct result of a serious illness initially diagnosed, or serious injury occurring during your trip. QBE Travel Insurance will pay you for the transport costs you have paid to resume your original trip so you can use any pre-paid travel, accommodation or tours.
      However, QBE Travel Insurance will only do so if:

      • You obtain our consent for the resumption of your trip
      • You have more than 25% of your trip remaining
      • Your return overseas occurs prior to the original return date of your original trip
      • No claim due to the same event is made under any other section of this Travel Master Policy

      What is not covered?

      1. QBE Travel Insurance will pay no more than the cancellation costs that would have been incurred on those pre-paid arrangements had you not resumed your trip.
      2. Any cover where you have made a claim for the same costs under any other section of the Travel Master Policy.

      What is the most QBE Travel Insurance will pay?
      The most QBE Travel Insurance will pay under this benefit is $3,000.”

      For more information about how travel insurance covers these event, you may find our travel insurance for non-travelling relatives article useful.

      I hope this was helpful,

  3. Default Gravatar
    Jeanette | July 17, 2015

    Do you have insurance for cruises?

    • Staff
      Maurice | July 17, 2015

      Hi Jeanette,

      Thank’s for the question. is not a travel insurance provider, we are a comparison service. ANZ is not currently one of the providers in our panel but they do provide cruise insurance under their international travel insurance as long the cruise has an international stop over.

      However, if you’d like to compare travel insurance for cruises from the providers in our panel, please consult our guide to cruise travel insurance

      Hope this helps,


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