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If you have an ANZ Airpoints Visa Platinum credit card, and you pay for at least half of your pre-paid travel expenses with your card you may be eligible to receive overseas travel insurance.
To check your eligibility, please visit our ANZ travel insurance website
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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
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ANZ credit card complimentary travel insurance
Wondering what cover you get with anz credit card complimentary travel insurance here’s what you need to know and how to make a claim..
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In this guide
Which ANZ credit cards have complimentary travel insurance?
How can you access anz credit card international travel insurance, what's covered by anz complimentary international travel insurance, pre-existing medical conditions, how to make a claim through your anz credit card complimentary international travel insurance policy, other types of anz complimentary credit card travel insurance, anz credit card complimentary insurance for shopping, anz business credit card complimentary insurance options, frequently asked question, what you need to know:.
- ANZ credit cards with complimentary international travel insurance offer comprehensive cover for up to 3 or 6 consecutive months when you travel overseas.
- You'll get cover when you meet the requirements before travelling (e.g. by paying for your trip with the card).
- Your spouse and dependants travelling with you can also get cover, but there are some requirements and exclusions .
- Do you have a question or need to make a claim right now? Call the insurance provider, Allianz, on 1300 135 271 (from Australia) or +61 7 3305 7465 (from overseas).
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):
- Prepayment of at least $250 of your travel costs before you leave Australia
- Having a return overseas travel ticket to Australia before the start of your trip
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.
Medical, dental and emergencies cover with an ANZ credit card
Please note that each travel claim is subject to an assessment and there may be an excess applicable.
ANZ complimentary international travel insurance for cancellation, delays, accommodation and transport
Luggage and personal items cover offered with anz credit card complimentary insurance, does anz complimentary credit card travel insurance cover pandemics.
Yes, if you are diagnosed with COVID-19 or another epidemic/pandemic illness, this insurance offers cover for claims relating to:
- Overseas emergency assistance (including medical evacuation and repatriation)
- Overseas emergency medical
- Cancellation
- Additional expenses
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:
- Go to the Allianz online claims portal at https://claimmanager.com.au/anz/agreement
- Confirm you agree with the terms and conditions, then select "Create new claim"
- Select the "Credit card insurance" option and provide details of your card
- Fill in the details on the claim form and upload your supporting documentation
You will be contacted about your claim within 10 business days, according to the online claims website.
What to include in your claim
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:
- A referral or letter from a doctor or other professional you see in relation to a claim
- Photo evidence
- Police reports
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.
Domestic travel insurance
- What is it? Cover for specific issues that come up when you're travelling to a different state or territory in Australia. This includes:
- Cancellation: Up to a maximum total limit of $3,000 for all claims combined.
- Flight delay expenses: After 4 hours or more, $125 per person up to a maximum of $300.
- Additional expenses: Up to a maximum total limit of $3,000.
- Luggage: Up to $750 for each covered item, up to a maximum total limit of $2,000.
- Luggage delay: After 4 hours or more, $125 per person up to a maximum total limit of $300 for all claims combined.
- Is there an excess cost? There is a $100 excess cancellation, additional expenses and luggage claims.
Rental vehicle excess in Australia insurance
- What is it? Maximum total limit of up to the amount specified in your rental vehicle agreement or $5,000, whichever is the lesser for all claims combined during the rental.
- When can I use it? If you’ve used your ANZ credit card to pay the full cost of the vehicle rental.
- Is there an excess cost? $100 per claim.
How to make a claim under one of these policies
ANZ credit cards give you access to other types of insurance for items you buy. Here's a basic explainer of each one:
- Purchase protection insurance: Offers cover for up to 90 days when you buy a new item with your eligible card and it's then stolen, accidentally damaged or lost. It covers household and personal items such as laptops, shoes, jewellery and glasses.
- Extended warranty insurance: Cover that doubles the manufacturer's warranty for items bought in Australia, up to a maximum period of 12 months.
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:
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.
Can I get proof of my cover?
Yes. If you’re going on a cruise or tour that requires proof of insurance, you can get a letter of eligibility online at www.checkyourcover.com.au/ANZ .
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Amy Bradney-George
Amy Bradney-George was the senior writer for credit cards at Finder, and editorial lead for Finder Green. She has over 16 years of editorial experience and has been featured in publications including ABC News, Money Magazine and The Sydney Morning Herald. See full bio
More guides on Finder
The ANZ Rewards Platinum Credit Card offers up to 100,000 bonus Velocity Points and a range of complimentary insurance covers.
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.
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.
Save with a 0% p.a. interest rate on balance transfers for 28 months. Plus, pay a $0 annual fee for the first year and 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.
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.
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Does ANZ credit card insurance cover cruises leaving from overseas ports?
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It looks like cruises are covered. Page 14 of the ANZ PDS defines overseas as “outside of Australia and its territories, and includes when you are aboard a foreign registered cruise vessel in Australian territorial waters”.
Hope this helps!
Does my complimentary travel insurance also cover my wife travelling with me
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Hi Bob, Yes, if your wife is travelling with you for the entire trip and both of you meet the requirements, you’ll both be able to use this travel insurance. If you have more specific questions about this cover, you can also contact the insurer Allianz on 1300 135 271. I hope this helps.
We are going on a 35 day cruise going around Australia with many stops in Australia and also one stop in Denpasar Indonesia and 3 stop around New Zealand. The Cruise starts in Sydney and finish in Sydney. I’m using my ANZ Platinum card, are we covered?
Hi John, The international travel insurance policy for the ANZ Platinum Credit Card has a definition for “overseas” that includes “when you are aboard a foreign registered cruise vessel in Australian territorial waters.” So if the cruise ship is registered outside Australia, it’s possible you would be covered. But you should call the insurance provider, Allianz, on 1300 135 271 to check the details specific to your travel plans. I hope this helps.
Hi I am about to turn 81 years of age will I still be covered by my Platinum card. If not will my wife who is 76 be covered even if I am not.
Hi Ron, If you meet the other eligibility requirements for cover before you turn 81, you would be eligible for this cover. This means you would need to spend at least $250 of your prepaid travel expenses on your eligible ANZ Platinum card, have a return overseas travel ticket before you leave Australia and meet the residency requirements. Your wife would also be eligible if you met the eligibility requirements. If you have further questions, you can contact the insurance provider Allianz on 1300 135 271. I hope this helps.
Does paying for car hire on a trip count for the $250 you need to put on your platinum Visa card for Domestic travel insurance?
Hi Clare, Car hire would generally be considered as a pre-paid travel cost. A sit’s not specifically mentioned in the ANZ Platinum and Black Complimentary Insurance policy booklet, it’s a good idea to call the insurance provider, Allianz, on 1300 135 271 to check your eligibility. I hope this helps.
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- Australia & New Zealand Cruisers
Cruising. Westpac and ANZ complimentary Travel Insurance
By sanne , July 19, 2023 in Australia & New Zealand Cruisers
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![Rank: 250+ Club (5/20) 250+ Club](https://content.invisioncic.com/j283755/monthly_2024_06/rocket.png.ccc6d84906971451c1ac75be3bc0b95a.png)
I’ve searched the T&C PDFs of both Westpac and ANZ Credit card Complimentary Travel Insurance and can’t find any mention of cover for cruises and medical evacuation from a cruise ship. Maybe someone can point me in the right direction.
And from what I read, the cancellation of a trip is capped at $20,000 for ANZ and in unlimited for Westpac. Maybe someone is able to confirm that.
Thanks for your help.
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I can only guide you re ANZ Complimentary Insurance.
The Booklet I refer to covers these cards
ELIGIBLE CARDS: The complimentary insurance outlined in this booklet is available to the eligible beneficiaries of the following credit cards: • ANZ Frequent Flyer Platinum • ANZ Frequent Flyer Black • ANZ Rewards Platinum • ANZ Rewards Travel Adventures • ANZ Rewards Black • ANZ Platinum
Do you have one of these cards? If so, page 14 defines Overseas as
"outside of Australia and its territories, and includes when you are aboard a foreign registered cruise vessel in Australian territorial waters"
Therefore further down on whats covered, page 21
Overseas Emergency, medical and evacuation are unlimited.
And yes, cancellation is capped at $20,000 so you need to work out if that is good for your situation.
For us, our cruise holidays are never more than that.
![travel insurance anz card Like](https://content.invisioncic.com/j283755/reactions/react_like.png)
31 minutes ago, sanne said: I’ve searched the T&C PDFs of both Westpac and ANZ Credit card Complimentary Travel Insurance and can’t find any mention of cover for cruises and medical evacuation from a cruise ship. Maybe someone can point me in the right direction. And from what I read, the cancellation of a trip is capped at $20,000 for ANZ and in unlimited for Westpac. Maybe someone is able to confirm that. Thanks for your help.
Further to cheznandy The Westpac has a similar cluase under their Definitions see below
Definitions There are some words in this booklet that have a special meaning. These words and their meanings are set out in the table below and are highlighted in italics throughout the booklet. Headings have been included for ease of reference but do not form part of the terms and conditions of the cover available Word Meaning
Overseas
outside of Australia and its territories, and includes when you are aboard a foreign registered cruise vessel in Australian territorial waters.
So you are covered as I see it for Unlimited Overseas Emergency, medical and evacuation
as cheznandy said above.
BUT as always don't assume we are right, contact your bank and make sure your are covered.
And that there are not small riders or conditions we missed in our readings of the T&Cs and PDS
5 minutes ago, Ozwoody said: Hi Sanne Further to cheznandy The Westpac has a similar cluase under their Definitions see below Definitions There are some words in this booklet that have a special meaning. These words and their meanings are set out in the table below and are highlighted in italics throughout the booklet. Headings have been included for ease of reference but do not form part of the terms and conditions of the cover available Word Meaning Overseas outside of Australia and its territories, and includes when you are aboard a foreign registered cruise vessel in Australian territorial waters. So you are covered as I see it for Unlimited Overseas Emergency, medical and evacuation as cheznandy said above. BUT as always don't assume we are right, contact your bank and make sure your are covered. And that there are not small riders or conditions we missed in our readings of the T&Cs and PDS
Great advice John, I have called often over the years we have been using this insurance to clarify any changes in wording, they have always been great to talk to over the phone.
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2022cruisey
The ANZ FF Black definitely covers cruising. They will also email you with a certificate that you can show if you are going to New Caledonia.
Thank you very much cheznandy, 2022cruisey, and Ozwoody for your excellent reply to my queries. Very kind of you all to post the relevant paragraphs. Much appreciated.
We use the ANZ card cover for cruising. There is a handy webpage to 'check your cover ' (underwritten by Allianz) where you enter your type of card, destination (I always select worldwide) and dates of trip. They then send you a certificate via email which shows the cruise and covid cover on page 2. This is what we show when boarding a cruise to New Caledonia where this cover is required.
Similar to answer above, we never require more than $20000 cancellation cover.
LittleFish1976
Prior to covid I used ANZ card insurance for a cruise. I was very concerned about making sure I would be covered for a cruise by them, and more importantly for any medical evacuation from the ship. I emailed them and asked them if they could confirm those things. The email they sent me was comforting as they clearly stated that yes, I was covered for those specific eventualities. I felt happy having it in writing from them and particular to my situation. They can also send you the master policy number for complimentary insurances in case you need to present it as proof of insurance anywhere.
- 2 weeks later...
![travel insurance anz card Mareblu](https://content.invisioncic.com/j283755/monthly_2022_06/EFDF9136-3E53-48AA-B0A4-DCC4D5FDD00F.thumb.jpeg.26ab6c72de570a5d0dab3e80e5030902.jpeg)
Only last week I applied for and received free travel insurance through our Westpac mastercard, for next year's trip, which includes two cruises (Oceania and Cunard). I completely missed reading the last section of the Letter of Eligibility we received, and being concerned about cover for the cruises, I rang the helpline. A patient and efficient person confirmed we are automatically covered for cruises, and directed me to, "Eligibility for Cover while Cruising and for Epidemic/Pandemic (such as COVID-19) Cover".
Hope this answers your question, as it did mine 🙂
11 hours ago, Mareblu said: Only last week I applied for and received free travel insurance through our Westpac mastercard, for next year's trip, which includes two cruises (Oceania and Cunard). I completely missed reading the last section of the Letter of Eligibility we received, and being concerned about cover for the cruises, I rang the helpline. A patient and efficient person confirmed we are automatically covered for cruises, and directed me to, "Eligibility for Cover while Cruising and for Epidemic/Pandemic (such as COVID-19) Cover". Hope this answers your question, as it did mine 🙂
I wish the Westpac card (underwritten by Allianz) covered my pre existing medical condition.
7 hours ago, cruisine21 said: I wish the Westpac card (underwritten by Allianz) covered my pre existing medical condition.
Yep! Me too!
I agree that pre-existing conditions are a real problem, and probably why more people don't travel.
Really like that people are ringing there Credit Card Insurer to clarify cover, and reporting back here.
Gives us some confidence that we are covered, not just thinking we might be.
Thanks guys for your posts.
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4 hours ago, Mareblu said: I agree that pre-existing conditions are a real problem, and probably why more people don't travel.
Agree with that comment, Linda.
Re the Westpac CC insurance. My son has this card and asked me if his fiancé who lives with him at the same address is considered his ‘spouse’ in the T&C. I will give them a call but first of all I’d ask since there are some very knowledgeable and helpful people here.
1 hour ago, sanne said: Re the Westpac CC insurance. My son has this card and asked me if his fiancé who lives with him at the same address is considered his ‘spouse’ in the T&C. I will give them a call but first of all I’d ask since there are some very knowledgeable and helpful people here.
If they live together and are in a relationship then the law views them as being in a de facto relationship which is as good as married in the eyes of the law so I should think the answer is 'yes'. Do the T&Cs mention 'de facto spouse'?
Thank you LittleFish1976. I have just received this from Westpac ( Allianz). I’ve posted it to be helpful to others.
Please be advised that according to Policy information booklet (on page 18), Definition of Spouse:
“ the partner of the cardholder who is in a permanent relationship with the cardholder at the time the journey or trip starts.”
According to above information if you are in permanent relationship however not married, you will be considered as partners under this definition
Should you require any further assistance, please do not hesitate to contact us on the number below.
17 minutes ago, sanne said: Thank you LittleFish1976. I have just received this from Westpac ( Allianz). I’ve posted it to be helpful to others. Please be advised that according to Policy information booklet (on page 18), Definition of Spouse: “ the partner of the cardholder who is in a permanent relationship with the cardholder at the time the journey or trip starts.” According to above information if you are in permanent relationship however not married, you will be considered as partners under this definition Should you require any further assistance, please do not hesitate to contact us on the number below.
You're welcome sanne. Glad you had confirmation that works out well for your family.
- 4 months later...
On 7/28/2023 at 3:52 PM, Mareblu said: Only last week I applied for and received free travel insurance through our Westpac mastercard, for next year's trip, which includes two cruises (Oceania and Cunard). I completely missed reading the last section of the Letter of Eligibility we received, and being concerned about cover for the cruises, I rang the helpline. A patient and efficient person confirmed we are automatically covered for cruises, and directed me to, "Eligibility for Cover while Cruising and for Epidemic/Pandemic (such as COVID-19) Cover". Hope this answers your question, as it did mine 🙂
Hi, I'm just sorting my insurance now for a January cruise and have Westpac Platinum card. Was this sentence "Eligibility for Cover while Cruising and for Epidemic/Pandemic (such as COVID-19) Cover" specifically stated in the letter you received or in the policy document?
Many thanks
Hi phoenixx,
On Page 3 of Letter of Eligibility:
"Under this group policy, the eligible traveller/s listed below have access to International Travel Insurance which includes epidemic/pandemic (such as COVID-19) coverage and cover while cruising including while aboard a foreign registered cruise vessel in Australian territorial waters. Cover is outlined in the sections below, subject to the terms, conditions, exclusions, limits and applicable sub-limits outlined in the Policy Information Booklet."
The PI Booklet is viewable online as part of the complete information forwarded by Westpac, and a scan through reveals the normal travel insurance inclusions and exclusions. Allianz is the underwriter.
Hope this helps.
2 hours ago, Mareblu said: Hi phoenixx, On Page 3 of Letter of Eligibility: "Under this group policy, the eligible traveller/s listed below have access to International Travel Insurance which includes epidemic/pandemic (such as COVID-19) coverage and cover while cruising including while aboard a foreign registered cruise vessel in Australian territorial waters. Cover is outlined in the sections below, subject to the terms, conditions, exclusions, limits and applicable sub-limits outlined in the Policy Information Booklet." The PI Booklet is viewable online as part of the complete information forwarded by Westpac, and a scan through reveals the normal travel insurance inclusions and exclusions. Allianz is the underwriter. Hope this helps.
I'm in NZ and policy is with AIG. I've just spoken to them and there is no Covid cover! How stupid is that, if Westpac Australia cover Covid but NZ does not, what's the difference? (Rhetorical question but really, that's seems unfair). It also does not cover when in NZ waters, which I see yours does.
![travel insurance anz card MicCanberra](https://content.invisioncic.com/j283755/monthly_2019_05/Us.thumb.jpg.9cb1279b83e3a13debf2fab1b8d92c81.jpg)
MicCanberra
Be very wary of CC insurance as it can be very tricky, some have a minimal spend on each item of travel I.e. $250 on flights, another on hotel, another on the cruise not just on the whole trip.
56 minutes ago, MicCanberra said: Be very wary of CC insurance as it can be very tricky, some have a minimal spend on each item of travel I.e. $250 on flights, another on hotel, another on the cruise not just on the whole trip.
Thanks, Mic, but we checked that point, and we are clear. W’s is cumulative.
1 hour ago, phoenixx said: I'm in NZ and policy is with AIG. I've just spoken to them and there is no Covid cover! How stupid is that, if Westpac Australia cover Covid but NZ does not, what's the difference? (Rhetorical question but really, that's seems unfair). It also does not cover when in NZ waters, which I see yours does.
Gosh, that’s very one-sided.
Newbie here….I have ANZ card with complimentary travel insurance. I know that Covid is covered.
Wondering if you get confined in your room on a cruise for say 5 days, anyone knows whether there is any compensation from ANZ Allianz travel insurance?
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8 times your credit card’s travel insurance might not cover you
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Editor's Note
Travel insurance is a great perk that comes with a number of travel rewards credit cards . If you're traveling and something goes wrong — like lost luggage, a trip delay or an unplanned medical emergency — there's a chance your credit card's travel protection could save you a lot of money.
Although some level of travel insurance can be a valuable credit card benefit, it's also important to realize that it won't cover every scenario. Like any insurance coverage, there are times when the travel insurance that comes with your credit card might not protect you.
Every policy is different, and you'll need to check with your card issuer to confirm specific policy details and limitations. Typically, you can find a full guide to your card's benefits and exclusions online.
Here are eight scenarios where your credit card's travel insurance probably won't be helpful.
Paying with the wrong credit card
Some card issuers require you to pay for travel-related expenses (or, at least, a portion of them) with their specific card to be covered if something goes wrong. But if you use multiple cards to pay for your travel purchases, perhaps in a quest to score the most rewards possible, you might find yourself only partially protected.
![travel insurance anz card](https://thepointsguy.global.ssl.fastly.net/us/originals/2022/07/GettyImages-1391657653.jpg?width=3840)
For example, if you pay for your flights and hotel room with your Ink Business Preferred® Credit Card but use something else to pay for the excursions on your trip. In this scenario, the excursions might not be covered if your travel plans are unexpectedly cut short because a hurricane rolls into town. However, if the second card you used also offers travel insurance, you might simply need to make multiple claims.
Related: Best credit cards with travel insurance
Preexisting medical conditions
If you need to cancel your trip due to a preexisting medical condition, you may have a hard time getting a reimbursement with your card's trip cancellation coverage. The same rule of thumb may apply if you need an emergency medical evacuation during your trip.
Depending on the card issuer's travel insurance policy, there is a potential workaround here. In a situation where you didn't know about the medical condition in advance, you might be able to make a convincing case when you file a claim.
Traveling for medical treatment
Are you planning a trip to a destination with the intention of visiting a doctor or medical facility? If so, that action hits pretty close to the definition of traveling with a preexisting condition.
When the purpose of your trip is to seek medical treatment, there's a good chance your credit card's insurance policy won't cover you if a problem comes up. Instead, you might need to consider a stand-alone travel insurance policy with a waiver for preexisting conditions if you want coverage for this type of scenario.
Related: How to pick the right travel credit card for you
Length of the trip doesn't qualify for coverage
The travel insurance policy offered through your credit card may only apply to trips of a certain length. You could run into coverage issues here if your trip is either too long or too short.
![travel insurance anz card](https://thepointsguy.global.ssl.fastly.net/us/originals/2022/10/Woman-packing-suitcase-with-sunhat_d3sign.jpg?width=3840)
For example, with the Chase Sapphire Reserve® , you won't be covered if you're traveling for more than 60 days. With The Business Platinum Card® from American Express , travel that exceeds 365 days away from your city of residence is ineligible for trip cancellation and interruption claims.
Traveling in a war zone
Taking a trip to an area that's deemed to be a war zone (either declared or undeclared) can be troubling for several reasons, but one concern is canceled flights or other travel-related issues due to military or war-like situations. In that case, related expenses are often ineligible for travel insurance coverage through a credit card provider.
Whether war breaks out before or after you arrive at your destination, your card's travel insurance benefits likely won't cover you. If you're traveling to an unstable location or one that has a history of unrest, you may want to consider purchasing supplemental travel insurance for added peace of mind.
Recently filed claim
Some credit card travel insurance policies have an upper limit of how much money you can claim for reimbursement per 12-month period. So, if you've already filed a large claim in the last 12 months, you might not be eligible to get paid for another.
![travel insurance anz card](https://thepointsguy.global.ssl.fastly.net/us/originals/2024/02/Man-with-coffee-making-payment-with-credit-card-on-smart-phone-at-outdoor-patio_-Jose-Luis-Agudo-Gonzalez.jpg?width=3840)
It's worth noting that The Platinum Card® from American Express offers many of its benefits per trip, so you may not have to worry as much about this particular limit if you're a cardholder.*
*Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for details. Policies are underwritten by New Hampshire Insurance Company, an AIG Company.
Related: Best credit cards that offer trip cancellation and interruption insurance
You test positive for COVID-19
COVID-19 is often a non-eligible sickness to qualify for coverage with certain credit card travel insurance policies. Whether you have to cancel a trip, change your travel dates or quarantine due to a positive COVID-19 test result, you might be stuck paying those expenses on your own.
All protection isn't created equal
The travel insurance provided by different card issuers comes with different types of coverage. Take the Chase Sapphire Reserve® and the Chase Sapphire Preferred® Card as examples. Both cards offer insurance coverage for trip cancellation and trip interruption. The Amex Platinum , on the other hand, only provides this benefit on round-trip travel purchased entirely with an eligible card.*
Similarly, the Sapphire Reserve offers cardholders emergency medical evacuation insurance up to $100,000, but the Sapphire Preferred does not include this benefit.
Related: How Chase Sapphire travel insurance saved my family over $1,500
Should you purchase more coverage?
No one likes to think about what could go wrong when you travel away from home. Unfortunately, sometimes problems and even disasters happen while people are traveling. If you have the right travel rewards credit cards (and you understand how their travel insurance benefits work), you can enjoy some peace of mind.
![travel insurance anz card](https://thepointsguy.global.ssl.fastly.net/us/originals/2024/05/SPONSORED_Why-getting-the-Capital-One-Venture-X-Business-card_Copy-of-Copy-of-GettyImages-1178599504-D3SIGN.jpg?width=3840)
You could also consider adding third-party travel insurance if you want to beef up your coverage. Sometimes independent travel insurance may cover you when your credit card's travel insurance policy does not.
Additional travel insurance comes at a cost. The investment makes sense in some situations; other times, it does not. If you're considering a separate travel insurance policy, it's a good idea to compare costs, benefits and coverage limitations in advance.
Related: Why I buy an annual travel insurance policy
Bottom line
Whether you choose to pay for additional third-party travel insurance or not, it's helpful to learn about the travel protections the credit cards sitting in your wallet may offer you. Just remember to learn about the rules and limitations of your card's travel insurance benefits. Otherwise, you might be in for a surprise if you ever need to use them.
Read more: Is travel insurance worth it?
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COMMENTS
Please refer the new ANZ First Credit Card Complimentary Insurance Policy Information Booklet for more information. If you have any questions about how the changes may apply to you, please contact Allianz Global Assistance on 1300 135 271 (within Australia) or by email to [email protected].
If you have an ANZ Airpoints Visa Platinum credit card, and you pay for at least half of your pre-paid travel expenses with your card you may be eligible to receive overseas travel insurance. To check your eligibility, please visit our ANZ travel insurance website. Cards.
Period of Cover. Up to six (6) consecutive months for ANZ Black Credit Card cardholders, their spouses and/or dependants. Up to three (3) consecutive months for ANZ Platinum Credit Card cardholders, their spouses and/or dependants. The maximum period of cover available for your journey cannot be extended by you.
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 ...
This makes ANZ Platinum's credit card travel insurance one of the best options for people with common ongoing medical conditions. Income protection: This policy also pays loss of income benefit for people who are injured during an accident overseas of up to $1,500 per person per month for up to six months (this amount will be reduced, though ...
How to make a claim through your ANZ credit card complimentary international travel insurance policy. If it's an emergency, call Allianz on +61 7 3305 7465 when you're overseas or 1300 135 271 in ...
Earn up to 130,000 bonus Qantas Points! Earn 90,000 bonus Qantas Points and $200 credit back to your new ANZ Frequent Flyer Black credit card when you spend $5,000 on eligible purchases in the first 3 months from approval. Plus, earn an additional 40,000 bonus Qantas Points when you keep your card for over 12 months. disclaimer.
Use your card to pay for at least half your pre-paid travel expenses and you'll get Overseas Travel Insurance — for your trip. You can check your ANZ Airpoints Visa Platinum card eligibility, plus other details such as medical exclusions and travel details, on the Overseas Travel Insurance website.
Visa Platinum Credit Card (ANZ Travel Platinum) works. For detailed information ... Complimentary Travel Insurance coverage up to USD500,000 4 - 5 Buy now, pay later, up to 45 days free of interest on purchase Flexible repayment with minimum amount only 5% of monthly outstanding balance Easy internet and phone
Redeem at 1-for-1 conversion rate from ANZ Travel Miles to Lotusmiles (Vietnam Airlines), KrisFlyer (Singapore Airlines) or Asia Miles (Cathay Pacific Airways) and FLY FOR FREE with over 75 global airlines. Redeem Agoda e-voucher VND1mil upon every 2,800 ANZ Travel Miles. Complimentary Travel Insurance coverage up to USD500,000.
Travel Insurance Coverage (ANZ Black Card) Travel Insurance Cardholder Family Travel Accident Insurance Accidental death & dismemberment Rp 1,000,000,000 Travel Inconvenience Insurance Flight delay / cancellation (4 hours) Rp 4,000,000 Rp 8,000,000 Luggage delay (6 hours) Rp 4,000,000 Rp 8,000,000
If you have a Business Credit Card, please contact us on 1300 135 271. AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631 trading as Allianz Global Assistance (AGA) under a binder from the insurer, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708, has issued an insurance group policy to Australia and New Zealand Banking ...
If you are looking for information regarding Complimentary Insurance available for ANZ Credit Cardholders (including Travel insurance and Extended Warranty) Find out more. ... ANZ Credit Card Insurance, ANZ CreditCover and ANZ Credit CoverPlus is issued by Zurich Australia Limited ABN 92 000 010 195, AFSL 232510 for Life Benefit, Accidental ...
ANZ Premium Card Overseas Travel Insurance is issued and managed by AWP Services New Zealand Limited trading as Allianz Partners, Level 3, 1 Byron Avenue, Takapuna, Auckland 0622 and underwritten by The Hollard Insurance Company Pty Ltd ABN 78 090 584 473 (Incorporated in Australia), ("Hollard") (referred to as "Us", "We" or "Our ...
I've searched the T&C PDFs of both Westpac and ANZ Credit card Complimentary Travel Insurance and can't find any mention of cover for cruises and medical evacuation from a cruise ship. Maybe someone can point me in the right direction. And from what I read, the cancellation of a trip is capped at $20,000 for ANZ and in unlimited for Westpac.
Business Platinum is a multifaceted Card that offers more than just business luxury travel perks. Unlock over $1,400 per year in value with the Business Platinum Card® for statement credits on select purchases, including tech, recruiting, travel and more. Enrollment required.
ANZ Travel Insurance Tear off the cards below and make sure that you have one with you at all times during your trip. ANZ Travel Insurance is underwritten by CGU Insurance Limited ABN 27 004 478 371 (CGU Insurance) ANZ Travel Insurance 24 hour Emergency Hotline Outside Australia: International code 61 2 9223 5533 Within Australia: 02 9223 5533
Find ANZ Support Centre. ANZ Platinum credit card. Our simple, everyday credit card. The new card offer gives you: $300 back to your new ANZ Platinum card. when you spend $1,500 on eligible purchases in the first 3 months from approval. disclaimer. How to apply. T&Cs, eligibility criteria, fees and charges apply (including an annual fee, $0 for ...
The travel agency have offered a credit less 10% service fee for the ground services portion providing the Air line cancels valid until Dec 2021, If and when the LATAM cancels we have to apply for a refund and wait for 6-12 months. 10. Re: ANZ complimentary credit card insurance. jan j - Thank you.
Travel insurance is a great perk that comes with a number of travel rewards credit cards.If you're traveling and something goes wrong — like lost luggage, a trip delay or an unplanned medical emergency — there's a chance your credit card's travel protection could save you a lot of money.. Although some level of travel insurance can be a valuable credit card benefit, it's also important to ...
non-ANZ credit and store cards to your existing ANZ credit card. Complimentary insurances including International and Domestic Travel Insurance, Rental Vehicle Excess in Australia, Extended Warranty Insurance and Purchase Protection Insurance. Refer to the policy information booklet for terms, conditions, exclusion, limits, applicable
ANZ Travel Insurance is co-issued by OnePath General Insurance Pty Limited (ABN 56 072 892 365, AFSL 288160) (OnePath General Insurance)- phone 132 062, ... need to call any credit card or travellers the card or cheques and arrange for replacements. Call reverse charges. American express 61 + 2 + 9271 8664
Group travel insurance can be an efficient and economical way to obtain travel insurance for 10 or more people traveling together internationally. ... credit card issuer, airlines, hotel chain, or ...