anz credit card travel insurance covid 19

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ANZ Complimentary Credit Card Insurance and COVID-19 (Coronavirus) FAQ

Information for anz eligible cardholders regarding covid-19 and with a claim event date on and after 27 th april 2022.

Information on this page is correct as of 27 April 2022

Stay up to date on Travel Information for COVID-19 from the Department of Foreign Affairs and Trade (DFAT)  Smartraveller website and World Health Organisation   (WHO) and Department of Home Affairs .

Always consult the smartraveller.gov.au website prior to any travel.   In addition to visas, COVID-19 testing, and proof of vaccination requirements, many countries now have compulsory insurance and medical cover proof conditions.  Check with the nearest embassy, consulate or immigration department of the destination you are entering. If you require additional documentation regarding the complimentary international travel insurance policy due to international entry requirements, please contact us on 1300 135 271.

Are Eligible travellers covered for COVID-19 with this complimentary credit card travel insurance?

This complimentary travel insurance policy is designed to provide cover under select benefits to eligible travellers, if you or your travel companion are positively diagnosed as suffering a sickness recognised as an epidemic or pandemic such as COVID-19, and cover is expressly included under certain sections of the relevant ANZ Policy Information Booklet for which your eligible ANZ card is applicable under:    ANZ Platinum and Black Personal Credit Cards Complimentary Insurance Policy Information Booklet   or the  ANZ Business Black Complimentary Travel Insurance Policy Information booklet .  A General Exclusion for epidemic/pandemic applies for all claims relating to any epidemic/pandemic outside of the select benefits in the applicable policy information booklet. Please note, terms, conditions, limits and exclusions apply.

To receive a formal outcome, Eligible ANZ Cardholders must submit a claim.

Eligible ANZ travellers who meet the eligibility criteria should be aware that other General Exclusions have the potential to apply.

What is a General Exclusion?

A General Exclusion is an exclusion which will be applied across all sections of an insurance policy, and applies regardless of when eligibility for cover was gained.  Should a General Exclusion apply, this means that your complimentary credit card travel insurance excludes cover for the event, activities or circumstances (specified in the exclusion) that causes your claim.

To understand what is excluded from the ANZ Complimentary Insurance covers, please refer to the General Exclusions section and the section specific exclusions of the relevant ANZ Policy Information Booklet for which your eligible ANZ card is applicable under:  Premium Cards – Insurances, Insurance Policy Information booklet or the  ANZ Business Black Travel Insurance, Policy Information booklet

Other exclusions may apply depending upon the circumstances of an individual claim. General Exclusions include but are not limited to:

• where your claim arises because you did not follow an advice or warning that a reasonable person would have been aware of:
•                 by the Australian government (when a ‘Reconsider your need to travel’ or ‘Do not travel’ alert is in place), which can be found on                 www.smartraveller.gov.au; or
•                 which was published in a reliable mass media source.
• any interference with your travel plans by any government, government regulation or prohibition or intervention or official authority;  For example, if  Smartraveller has a warning, ‘Do not travel’ or ‘Reconsider your need to travel’ due to the risk of COVID-19 infection for a destination, and a cardholder chooses to ignore the warning and is infected with COVID-19, cover may be excluded.  Or if, a government closes its borders to inbound travellers due to COVID-19 and you are unable to enter and follow your planned travel across the closed border, cover may be excluded.

What if an ANZ Eligible Cardholder has booked travel and needs to cancel due to contracting COVID-19?

If you are unable to travel as a result of contracting COVID-19, Cancellation cover may be provided to eligible travellers, if you or your travel companion are positively diagnosed as suffering a sickness recognised as an epidemic or pandemic such as COVID-19, and cover is expressly included under the Cancellation section of the relevant ANZ Policy Information Booklet for which your eligible ANZ card is applicable under:  ANZ Platinum and Black Personal Credit Cards Complimentary Insurance Policy Information Booklet  or the ANZ Business Black Complimentary Travel Insurance Policy Information booklet     . If you are unable to travel as a result of an Epidemic or Pandemic related event which does not include you or your travel companion being positively diagnosed as suffering a sickness recognised as an epidemic or pandemic, for example a border closure, there may be no provision to claim as a general exclusion for epidemic and pandemic applies. A General Exclusion for epidemic/pandemic applies for all claims relating to any epidemic/pandemic outside of the cancellation benefits in the applicable policy information booklet. Please note, terms, conditions, limits and exclusions apply.

You therefore need to consider your own personal circumstances. We are not able to provide you with a cover decision before submitting a claim. To receive a formal outcome, ANZ Eligible Cardholders must submit a claim.

You should also contact your travel agent or travel service provider (airline, cruise line or Tour Company, etc) as they may be able to support you in obtaining refunds, credits or travel re-scheduling.

Can ANZ Eligible Cardholders make a claim for consideration?

Every ANZ Eligible Cardholder can submit a claim and have their individual circumstances considered in accordance with the eligibility criteria which includes the terms, conditions, limits and exclusions that apply as set out in the  and the  Premium Cards – Insurances, Insurance Policy Information booklet   or the  ANZ Business Black Travel Insurance, Policy Information booklet.

If you would like to claim, we encourage you to claim online via  www.claimmanager.com.au/anz

Claim Online 

Call our claims team.

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Will My Travel Insurance Cover Coronavirus?

Many, or all, of the products featured on this page are from our advertising partners who compensate us when you take certain actions on our website or click to take an action on their website. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money .

If you have upcoming travel plans and are considering a travel insurance policy, check if it covers COVID. Not all providers do, and it's important to know for sure. So, does your travel insurance cover COVID? How can you tell?

As with many things in life, the short answer is: "It depends." And the long answer is: You can only start to determine if your insurance covers COVID when you understand what type of coverage you have, which provider you bought it from and what the exact reason is for your trip cancellation.

While we can give general guidance as to most travel insurance plans, it is in your best interest to give your insurance provider a call to verify whether a given policy will cover coronavirus-related interruptions.

» Learn more: The best travel insurance policies that include COVID coverage

Reasons travel insurance typically covers

While not a comprehensive list (and remember all insurance policies are different), here are some standard reasons when a comprehensive travel insurance policy will kick in:

Sickness, injury or death.

Common carrier cancellations or delays.

Labor strike.

Car accident.

Hijacking or quarantine.

Home uninhabitable.

Destination uninhabitable.

Travel document theft.

Medical evacuation.

Military duty.

Military leave revoked.

Terrorist act.

New vaccination requirements.

Civil disorder.

Some of those reasons might apply to your specific coronavirus situation, such as if you are already ill or under quarantine by a doctor's orders. If you (or your travel companion) contract COVID-19, your travel insurance provider may cover cancellation for a medical reason. You will likely be required to submit a medical diagnosis from a physician.

Nonetheless, we recommend giving your travel insurance provider a call before your trip to verify coverage. And, since many airlines and hotels have loosened change and cancellation policies due to COVID-19, first try to get a refund from the travel supplier. It may be an easier process than dealing with the insurance provider.

Is coronavirus a foreseen event?

If you purchased travel insurance after the World Health Organization declared coronavirus a pandemic on March 11, 2020, then COVID-19 might be viewed by your insurance company as a foreseen event and it may not be covered.

In other words, the company says that you should have known about the potential risks but still chose to travel, so the cost of travel and its consequences are on you. We recommend checking with your insurance provider about the "known" or "foreseeable" status dates of the coronavirus outbreak and how this may affect your specific coverage.

Claims due to known, foreseeable or expected events, epidemics or fear of travel are generally not covered, and coverage can vary by state. However, until further notice, although not covered under most plans, some underwriters are currently accommodating claims for:

Under Emergency Medical Care and Emergency Medical Transportation Benefits: Emergency medical care and emergency medical transportation for a customer who becomes ill with COVID-19 while on their trip.

Under Trip Cancellation or Trip Interruption Benefits: Trip cancellation and trip interruption if a customer becomes ill with COVID-19 either before or during their trip.

Under Trip Cancellation Benefit: Nonrefundable, nontransferable trip cancellation expenses for customers who purchased their plan prior to January 22, 2020, for trip components in Mainland China, South Korea or the Lombardy or Veneto regions of Italy and departing prior to April 1, 2020.”

However, due to the evolving pandemic over the last few years, many providers have updated their policies to include coronavirus coverage. For example, in May 2021, Allianz announced the addition of epidemic-related covered reasons to its popular insurance plans. Plans are now offering accommodations for COVID-19.

» Learn more: Where U.S. citizens can travel right now

Is "I’m afraid to travel" a legit reason?

Almost all travel insurance policies have a "fear of travel" clause. According to AIG , one of the world’s largest travel insurance providers, "Trip cancellation for concern or fear of travel associated with sickness, epidemic, or pandemic, including Coronavirus, is not covered."

If you bought a ticket, then become afraid to travel because of any sickness, that is probably not a covered reason. If you want ultimate flexibility in canceling your trip for any reason, you’ll want to consider "cancel for any reason" (CFAR) travel insurance coverage.

Consider Cancel For Any Reason travel insurance

"Cancel For Any Reason" coverage allows you to cancel a trip for any reason and receive a partial refund (up to 75%) of your nonrefundable trip costs as long as the trip is canceled at least two days in advance. You cannot purchase CFAR coverage on its own; it is an optional upgrade that is sometimes available when you buy travel insurance. Not all providers offer it, so if you’re looking for the CFAR supplement, you’ll have to ask your travel insurance provider about it or filter your online search accordingly.

» Learn more: Cancel For Any Reason (CFAR) travel insurance explained

Use your credit card's built-in travel insurance

Comprehensive travel insurance policies offer the highest levels of trip cancellation and trip interruption coverage. Some premium travel credit cards include trip insurance as a complimentary benefit. Although the coverage limits may be below those offered by travel insurance companies on comprehensive plans, the limits may be sufficient for you. As with paid travel insurance, check with the provider to confirm if known conditions such as the coronavirus are covered.

» Learn more: Travel insurance benefits on American Express credit cards

As an example, we took a look at the policy for one of the popular travel cards, the Chase Sapphire Preferred® Card . There are some notable bullet points that are common across many programs.

Chase Sapphire Preferred® Card

Similarly, this insurance will not cover a "disinclination to travel based on a pandemic." If you decide that you don’t want to travel because you might get sick or you are afraid to go, you won’t be covered.

The insurance does clearly state, however, that if you are sick or hospitalized before or during your trip, you may be covered by the plan:

Accidental bodily injury, loss of life or sickness experienced by you or your traveling companion which prevents you or your traveling companion from traveling on the trip.

Accidental bodily injury, loss of life, or sickness experienced by an immediate family member of you or your traveling companion when the accidental bodily injury or sickness is considered life-threatening, requires hospitalization or such immediate family member requires care by you or your traveling companion.

If either you or your traveling companion becomes sick and you are prevented from traveling, you may be covered. Also note that if a family member of either you or your traveling companion requires hospitalization and you are needed to care for them, that may be covered as well.

As with all things insurance-related, if you have specific questions about your policy or your credit card’s coverage, it’s always best to give the company a call beforehand. Still, the general consensus is that if you’re afraid you might contract COVID-19, your insurance won't cover you.

» Learn more: Your guide to the Chase Sapphire Reserve's trip cancellation and travel insurance

How travel medical insurance differs

If your trip doesn't include nonrefundable trip costs paid to a travel provider or the trip insurance coverage you have from your credit cards is sufficient, purchasing a standalone travel health insurance policy may be your best bet for an upcoming trip.

These policies provide reimbursement for emergency medical expenses, including evacuations, while you’re traveling. Again, it's important to check if the policy you’re considering has any clauses related to pandemics or exclusions for travel to countries that have current travel advisories to ensure you don't nullify your medical coverage.

» Learn more: Travel medical insurance: emergency coverage while you travel internationally

It depends. Fear of travel generally isn't an allowable reason, so you won't benefit from trip cancellation coverage for nonrefundable payments made to a trip supplier. The reason for cancellation has to fall into one of the unforeseen events listed in the policy. However, if you’ve purchased a CFAR add-on and want to cancel, you will be covered for up to 75% of your nonrefundable deposit as long as you cancel at least two days before the departure date.

Although staying home is the best way to safeguard yourself and others from catching coronavirus, there are some general precautions you can take to reduce the spread. According to the CDC, a few ways include: Checking if the destination you’re going to has increasing cases in the past seven days, knowing whether you’re at an increased risk for severe illness from coronavirus and staying up to date with the airline’s and destination’s requirements/restrictions for travelers (such as wearing masks, enforcing quarantine, etc.). If you choose to travel, consider purchasing a travel insurance policy or a standalone emergency medical insurance plan just in case.

Although staying home is the best way to safeguard yourself and others from catching coronavirus, there are some general precautions you can take to reduce the spread. According to the CDC, a few ways include: Checking if the destination you’re going to has increasing cases in the past seven days, knowing whether you’re at an increased risk for severe illness from coronavirus and staying up to date with the airline’s and destination’s

requirements/restrictions for travelers

(such as wearing masks, enforcing quarantine, etc.). If you choose to travel, consider purchasing a travel insurance policy or a standalone emergency medical insurance plan just in case.

How can I be sure if my travel insurance covers COVID?

Deciding whether to travel during the coronavirus pandemic is a personal decision. Get familiarized with the different insurance protections and airline change/cancellation policies that may be applicable for your trip, as they could help you get your money back in the event of a trip cancellation.

When considering the health implications of travel, keep in mind that travel medical insurance is an option, especially if you don’t need the trip cancellation coverage provided by comprehensive policies. Regardless of which policy you choose, confirm that coronavirus-related losses are covered by insurance before purchasing coverage.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are some of the best travel credit cards of 2024 :

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Wells Fargo Autograph℠ Card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

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