anz platinum visa travel insurance covid

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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Credit card travel insurance

How do I qualify for travel insurance using my credit card?

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 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..

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, what's not covered, 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 questions, what you need to know:.

• ANZ credit cards with complimentary international travel insurance offer comprehensive cover for up to 6 months in a row 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

Example of when you might use this cover on an overseas trip.

If got sick overseas and had to go to hospital for a few days, you could get cover for costs related to:

• Doctor's fees
• Hospital fees
• Changes in your travel plans

Just keep in mind that each travel claim is subject to an assessment and there may be excess payments if you're eligible for a payout.

ANZ complimentary international travel insurance for cancellation, delays, accommodation and transport

⚠️ Keep in mind: Cancellations and other changes to your travel plans are only covered under specific circumstances. For example, if you missed a flight because you needed urgent medical treatment for a covered health issue.

Luggage and personal items cover offered with ANZ credit card complimentary insurance

Hijacking, personal liability, death and other cover offered with anz complimentary credit card travel insurance.

Claims under these benefits are less common and usually only apply in extreme circumstances. None of them have an excess payment but we have listed their claim limits.

• Hijacking: Unlimited
• Emergency accommodation due to terrorism: Up to $300 per day and a maximum of $3,000 per cardholder or spouse
• Personal safety evacuation: Unlimited
• Personal liability: Up to $3 million per cardholder or spouse
• Legal expenses: Up to $15,000 per cardholder or spouse
• Accidental death: $50,000 per cardholder or spouse, up to $1,000 per dependant
• Funeral expenses: Up to $25,000 for a cardholder or spouse

Note: Unless a specific limit is listed for dependants, any claims related to them will come out of the limit for the cardholder and/or their spouse.

Some of the key things you won’t be covered for with ANZ credit card complimentary international travel insurance include:

• If you don’t follow advice from any government, official body or mass media announcements
• Issues related to drinking alcohol or taking non-prescription drugs
• Travel that’s for the purpose of medical treatment
• If you or your partner give birth during the trip, or there are complications arising after week 26 of the pregnancy
• Dangerous activities including rock climbing (with equipment), white water rafting, bungy jumping, off-piste snowboarding or skiing and quad or motorbike riding if the engine has a capacity of 200cc or more

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
• Overseas emergency medical
• Evacuation and repatriation
• Cancellation
• Additional expenses

If you're travelling with someone who tests positive for COVID-19, some cover is also available under the cancellation and additional expenses benefits.

⚠️ Remember: Check the ANZ credit card insurance policy booklet or call Allianz on 1300 135 271 for more details about COVID-19 claims and any exclusions.

Does ANZ credit card travel insurance cover family members?

Yes, your spouse and dependants (i.e. your children) can also get cover when they are travelling with your for at least 50% of your trip. They also need to meet the same travel booking requirements and other conditions of the insurance policy. Check the policy document for full details.

ANZ’s complimentary credit card international travel insurance offers cover for a select number of pre-existing medical conditions when you meet the requirements, including:

• High blood pressure
• High cholesterol
• Coeliac disease
• Diabetes (types 1 and 2)

If your condition is listed in the policy document, you don't need to apply for written confirmation as long as you meet the following criteria:

• The condition is stable
• You are not waiting for treatment
• You are not waiting on results of medical tests or investigations
• You’re not on a hospital waiting list
• You meet any other criteria specifically listed for your medical condition

Some pre-existing medical conditions have additional requirements. For example, with diabetes, you need to have been diagnosed at least 12 months before your trip. You also can’t have any known cardiovascular, hypertensive or vascular disease – or any related kidney, eye or neuropathy complications.

⚠️ Keep in mind: Every travel insurance policy has its own definition and details about pre-existing conditions. You'll find full details in the ANZ credit card complimentary travel insurance policy document.

What if I don't meet the requirements or have a different pre-existing condition?

Call Allianz on 1300 135 271 to check if you can use this insurance. You may be able to get written confirmation from Allianz that a pre-existing medical condition is covered. Keep in mind that a $75 administration fee may apply as part of this process.

Otherwise, you won't get cover for any pre-existing conditions that cause issues. This includes conditions that you've had professional treatment for and untreated conditions you're aware of before you travel.

Got a pre-existing health condition? Compare other travel insurance policies that offer cover for conditions including anxiety, high blood pressure and knee replacement.

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 of $3,000.
• Travel delay expenses: After 4 hours or more, $125 per person up to a maximum of $300.
• Additional expenses: Up to $3,000.
• Luggage: Up to $750 per covered item with a maximum of $2,000.
• Luggage delay: After a delay of 12 hours or more, $150 per person up to a maximum of $400 for all claims combined.
• When can I use it? If you have paid for your return domestic flight with your eligible ANZ credit card before you leave. Or, if you have a return domestic flight and have paid for at least $250 domestic travel costs before you leave (such as accommodation).
• 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? Cover for damage or theft of a car or other vehicle you have hired in Australia, up to a maximum of $5,000.
• 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 .

Is pregnancy covered by this travel insurance?

Pregnancy is treated as a pre-existing medical condition but some cover may be available for complications of your pregnancy caused by injury or sickness. This includes naturally conceived and medically assisted (e.g. by IVF) pregnancies. If there were complications before you became eligible for cover, you typically won't get cover for pregnancy-related claims.

There are also exclusions related to pregnancy, such as for antenatal care. Make sure you read the ANZ credit card complimentary insurance booklet for full details, or call Allianz on 1300 135 271.

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.

More guides on Finder

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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.

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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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153 Responses

Does my complimentary travel insurance also cover my wife travelling with me

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.

HI I’ve been diagnosed with Motor Neurone Disease and have a trip to Bali on May 25th. Will I still have coverage under a frequent flyer Anz black card if I need to be flown back to Australia. Many thanks.

Unfortunately, Motor Neurone Disease is not one of the pre-existing medical conditions that is listed as being covered without an assessment. But you can call Allianz on 1300 135 271 to organise an assessment of your condition, which may allow you to get written confirmation from Allianz that the pre-existing medical condition is covered. A $75 administration fee may apply as part of this process.

Alternatively, you can compare travel insurance for pre-existing conditions and learn more about different options on Finder. I hope that helps.

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You will receive a welcome email shortly, are you covered for coronavirus under your credit card travel insurance.

Now that the early-pandemic days of clearing supermarket shelves and hoarding toilet paper are behind us, and most countries are open to travellers, you might be wondering if your complimentary credit card travel insurance policy will cover the spicy cough on your upcoming overseas trip.

Unfortunately, as we’ve come to expect over the past couple of years, there are no blanket rules when it comes to Covid coverage, and each credit card travel insurance provider seems to have its own way of treating the matter.

Some credit card travel insurance providers will cover COVID-19 to some extent, while others will flat-out exclude cover related to any losses connected with epidemics or pandemics.

So, if you’re heading overseas and plan on relying upon your bundled credit card travel insurance policy, you’ll want to know exactly where you stand regarding Covid cover.

The best way to know for sure is by looking through the product disclosure statement (PDS) that comes with your policy with a fine-tooth comb. But, you can start here with some of the more frequently asked ones. 

Two of the more important Covid-related travel insurance benefits you should be looking into are medical and cancellation cover. But to make things easier, we’ve put together a breakdown of some providers and how they treat Coronavirus under their credit card travel insurance policies.

But before we get into the overview, there are a couple of important things to note:

Activate your bundled credit card travel insurance before you go

Generally you’ll have to activate your credit card travel insurance when heading overseas. If you don’t make sure to check if it’s active, then you might not be covered on your overseas trip for anything that happens outside the period of insurance.

Eligibility requirements for credit card travel insurance

To be eligible for your bundled credit card travel insurance, you might have to spend a certain amount on your card, or even make eligible purchases, which will be outlined in further detail on the various providers’ websites.  

Further eligibility requirements may include being under a certain age (under 79 is a common requirement), but there may be more. So, always read the PDS. 

Always read the PDS that comes with your credit card travel insurance policy

By reading the PDS, you’ll be able to understand the limitations of Covid-related cover on your credit card travel insurance policy, including under what circumstances your provider will or will not cover pandemics.

ANZ credit card travel insurance

Commonwealth bank credit card travel insurance, nab credit card travel insurance, westpac credit card travel insurance, american express credit card travel insurance, citi credit card travel insurance, hsbc credit card travel insurance, which other providers offer complimentary travel insurance with their credit cards.

Underwritten by: Allianz Global Assistance  ANZ credit cards that offer complimentary travel insurance include:

• ANZ Frequent Flyer Platinum
• ANZ Frequent Flyer Black
• ANZ Rewards Platinum
• ANZ Rewards Black
• ANZ Rewards Travel Adventures
• ANZ Platinum

Does ANZ credit card travel insurance cover Coronavirus? 

If you are positively diagnosed as suffering a sickness recognised as an epidemic or pandemic, such as COVID-19, cover is available for:

• Overseas medical assistance
• Overseas emergency medical
• Evacuation and repatriation
• Cancellation
• Additional expenses 

For more information call Allianz Global Assistance on: 1300 135 271

Underwritten by: Zurich Australian Insurance through Cover-More 

CommBank credit cards that offer complimentary travel insurance:

• CommBank Low Fee Gold Credit Card 
• CommBank Low Rate Gold Credit Card 
• CommBank Gold Awards Credit Card
• CommBank Platinum Awards Credit Card
• CommBank Diamond Awards Credit Card 
• CommBank Ultimate Awards Credit Card
• World Debit Mastercard

Does Commonwealth Bank credit card travel insurance cover Coronavirus? 

Commonwealth Bank credit card travel insurance provides limited cover for overseas emergency medical expenses related to COVID-19. 

However, CommBank credit card travel insurance does not provide cancellation cover related to COVID-19.

CommBank's standalone travel insurance policy, i.e. not the bundled policy, does not provide cover for Covid whatsoever. 

For more information call Cover-More on: 1300 467 951

Underwritten by: Allianz Global Assistance 

NAB credit cards that offer complimentary travel insurance:

• NAB Premium Credit Card
• NAB Platinum Credit Card
• NAB Signature Credit Card
• NAB Platinum Visa Debit Card

Does NAB credit card travel insurance cover Coronavirus?

From 30 June 2022, NAB credit card travel insurance may provide limited cover for COVID-19 related events, such as:

• Overseas Emergency Assistance
• Overseas Emergency Medical
• Medical Evacuation & Repatriation
• Additional Expenses

For more information call Allianz Global Assistance on: 1800 187 025

Underwritten by: Allianz Global Assistance

Westpac credit cards that offer complimentary travel insurance:

• Westpac Earth Black
• Westpac Earth Platinum
• Westpac Earth Platinum Plus
• Westpac Altitude Black
• Westpac Altitude Platinum 
• Westpac Altitude Platinum Plus
• Singapore Airlines Platinum
• Singapore Airlines Gold
• Westpac Low Fee Platinum
• Private Bank Gold Mastercard

Does Westpac credit card travel insurance cover Coronavirus?

From 8 July, Westpac has announced it will be providing COVID-19 and pandemic cover on eligible travel insurance policies through select credit cards (T&Cs apply). Benefits include:

For more information call Allianz Global Assistance on: 1800 091 710

Underwritten by: Chubb 

American Express credit cards that offer complimentary travel insurance:

• American Express Platinum Card 
• American Express Gold Card 
• American Express Rewards Advantage Card 
• American Express Green Card  
• American Express Explorer Credit Card 
• American Express Platinum Reserve Credit Card 
• American Express Platinum Edge Credit Card 
• American Express Platinum Rewards Credit Card 
• Qantas American Express Ultimate Credit Card 
• American Express Velocity Gold Credit Card  
• American Express Elevate Credit Card 
• American Express Elevate Premium Credit Card

Does American Express credit card travel insurance cover Coronavirus?

American Express credit card travel insurance provides limited cover for Covid-related events, such as:

• Trip cancellations, curtailments, and changes
• Medical emergency expenses cover 

It's recommended you check the specific PDS for your card to make sure you're aware of the way your credit card travel insurance treats Covid. 

Note: There is no cover if you travel against a Smartraveller ‘Do Not Travel’ warning or if borders have closed at your destination prior to departure.

For more information call Chubb on: (02) 9335 3200

Citi credit cards that offer complimentary travel insurance:

• Citi Prestige credit card
• Citi Premier credit card
• Citi Rewards credit card
• Emirates Citi World Mastercard
• CitiBusiness Gold credit card

Does Citi credit card travel insurance cover Coronavirus?

Unfortunately, Citi will not cover you for any loss, damages, or expenses caused by, arising directly or indirectly from or in any way related to any epidemic or pandemic, including COVID-19. 

For more information call Allianz Global Assistance on: 1800 072 791

HSBC credit cards that offer complimentary travel insurance:

• HSBC Platinum credit card
• HSBC Platinum Qantas credit card
• HSBC Premier World MasterCard
• Low Rate credit card

Does HSBC credit card travel insurance cover Coronavirus?

HSBC credit card travel insurance provides some cover for Covid, including for benefits like: 

• Overseas emergency assistance
• Overseas emergency medical 
• Evacuation and repatriation 
• Cancellation 

Make sure you read through the relevant PDS to understand the limits of HSBC’s coverage.

For more information call Allianz Global Assistance on: 1800 648 093

According to Mozo’s database, 32 credit card providers on site offer complimentary travel insurance on their credit cards. 

If you are concerned about whether you are covered for any medical issues or cancellations due to the outbreak of the coronavirus, contact your provider, or its travel insurance underwriter, on one of the following numbers.

RELATED ARTICLE: Everything you need to know about travel insurance

Interested in what other travel features come complimentary on credit card products? Jump over to our credit card comparison table to check out various options or Mozo's top choices of the best credit cards.

^See information about the Mozo Experts Choice Credit Card Awards

Mozo provides general product information. We don't consider your personal objectives, financial situation or needs and we aren't recommending any specific product to you. You should make your own decision after reading the PDS or offer documentation, or seeking independent advice.

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Home > Travel Insurance > ANZ Travel Insurance Review

ANZ Travel Insurance Review

Learn more about ANZ’s travel insurance policies to find out about their coverage and fees and compare them with other insurers today.

Fact checked

One of Australia’s ‘big four’ banks, ANZ has been servicing the country’s banking and finance needs for more than 50 years. The bank was formed in 1970 after the merger of the Bank of Australasia and the Union Bank of Australia. Since then, ANZ has branched out into offering insurance, credit cards and investment management.

Whether you’re travelling to Singapore or Sydney, if you have your eye on one of ANZ’s travel insurance policies, it's crucial to make sure you do your research with Savvy and compare them with other offers available. By doing so, you can give yourself the best chance at finding the right cover for your travel-related needs.

Get a quote right away and learn more about ANZ’s travel insurance plans when you compare with Savvy today.

*Please note that Savvy does not represent ANZ for its travel insurance products.

More about ANZ travel insurance

What travel insurance policies does anz offer.

Travel insurance is only accessible if you’re a cardholder with ANZ. If you have an ANZ Platinum or Black credit card, you can be automatically covered for the following:

• International Travel Insurance: aside from cancellation benefits, which activate the day you take out your cover, this policy can protect you for up to six consecutive months. You’re also covered for any overseas medical or dental emergencies and the loss or damage of your luggage and travel documents. If you’re a senior traveller under 81, you can qualify for this type of travel insurance policy.
• Domestic Travel Insurance: your interstate and intrastate travel may be covered by domestic travel insurance, as well as travel to Australian territories, with a return domestic flight booked up to 28 days after your departure. The initial 28 days of your holiday are covered, even if it lasts longer. The available coverage includes cancellation or travel delay costs, supplemental costs, and lost or delayed luggage.
• Rental Vehicle Excess: if you hire a car in Australia and charge the entire cost of the rental to your ANZ Black or Platinum credit card account, you may be covered by the rental vehicle excess insurance. The Rental Vehicle Excess in Australia Insurance will cover your rental excess up to $5,000 or the maximum total limit specified in your rental vehicle agreement, whichever is less, provided you are a nominated driver on the rental agreement. If the rental vehicle is damaged or stolen while in your care, the insurance will cover the damage or theft up to the maximum limit of up to the amount in your agreement.

Whether you're travelling to Croatia , taking a flight to Singapore or just journeying within Australia, it's crucial to compare domestic and foreign insurance quotes with Savvy before you purchase your coverage.

What optional extras are available through ANZ?

Unlike other travel insurance companies who provide you with a choice of optional extras such as adventure sports or snow sports cover, ANZ doesn’t offer any extra coverage. You’ll only be offered coverage for what’s already included in your policy.

What exclusions should I be aware of when buying travel insurance through ANZ?

It's crucial to keep in mind that even the most comprehensive travel insurance policy won't give you endless coverage. The exclusions found in ANZ’s Product Disclosure Statement (PDS) include:

• Loss of enjoyment
• Booking travel against doctors’ advice
• Intentionally injuring yourself or attempting suicide
• Knowingly travelling to a country with a ‘do not travel’ warning
• Partaking in dangerous activities, such as rodeo riding, canyoning or running with the bulls in Spain on a European holiday
• Illegal or criminal acts
• Injury, illness or death if you’re over 81 (international insurance)

If you’ve found a policy that draws your eye, make sure you review the PDS before you set your decision in stone.

What we think of ANZ travel insurance

What we like, instant, complimentary travel insurance coverage.

By spending $250 on pre-paid travel costs using your ANZ credit card, you’ll receive instant cover for up to six months free of charge, no matter where in the world you’re holidaying.

Competitive luggage cover

While some travel insurance companies scrimp on the coverage for lost, stolen or damaged luggage, ANZ allows you to claim up to $12,000.

Cover for domestic pets

ANZ lets you claim up to $500 per cardholder if your return home is delayed and you need to cover the cost of additional boarding kennel or cattery fees.

What we don't like

Only available to credit card customers.

ANZ doesn’t offer any standalone travel insurance policies, allowing only those with Platinum or Black credit cards to access cover for a holiday.

No optional extras

In a rare move for a travel insurer, ANZ doesn’t include any add-ons or optional extras as part of its policies.

High excesses

While other travel insurers will usually make you pay between $150 and $250 to make a claim, ANZ’s standard excess is an eye-watering $350.

Types of travel insurance

International.

International travel insurance can offer cover for a range of events, including medical expenses, lost luggage or items, cancellation fees and more when you're overseas and a long way from home.

If you're journeying within Australia, domestic policies are designed to offer many of the same protections as international travel insurance (with the exception of medical expenses).

Single trip

The most standard and common type of travel insurance, this policy can cover you for one trip starting and ending in Australia (and is available for both international and domestic travel).

Annual multi-trip

As the name suggests, this type of travel insurance covers multiple trips over a 12-month period. Depending on your insurer, you may be able to take an unlimited number of trips up to 90 days each.

You don't have to have a return ticket booked to take out cover while you're overseas. One-way travel insurance enables you to access cover without a set end date, such as if you're moving temporarily.

You may need to take out specialist coverage if you're setting sail on a cruise. Fortunately, cruise insurance can cover emergency evacuation, cabin confinement and more.

Just because you're older doesn't mean travel insurance isn't still important. If you qualify for cover, seniors' travel insurance can offer greater peace of mind for included events while you're travelling.

Adding winter sports or ski cover to your policy can add protection against damage to your equipment, piste closure due to bad weather and activities such as back-country skiing, heliskiing and more.

Adventure sports

Looking to enjoy some adventure sports on holiday? An adventure sports pack can grant you cover for a range of activities, such as hiking, scuba diving and motorcycle or scooter riding.

Jetsetting with the whole clan in tow? Some insurers offer family travel insurance, which enables you to include yourself, your partner and your dependent children under one policy to help you save.

If you're travelling interstate or overseas with your partner (or simply another friend or family member), you may be able to access a discount by taking out a joint or duo travel insurance policy.

Why compare travel insurance with Savvy?

Reputable insurance partners, fast and convenient online process.

You can complete the quote, comparison and purchase process online through Savvy quickly and easily.

Competitive quote costs

Regardless of the type of insurance you’re looking for, we can help you compare between competitive quotes.

Frequently asked questions about ANZ travel insurance

Yes – if you’re diagnosed with COVID-19 during your international holiday, ANZ covers you for overseas emergency assistance, medical costs, cancellation and evacuation costs. If your travelling companion is struck down with coronavirus, you’ll be able to claim any cancellation costs or additional expenses.

Yes – ANZ will cover travellers up to the 26th week of their pregnancy if they become injured or sick during their holiday and give birth. However, no cover is available if you suffer from complications due to your pregnancy or use IVF in an attempt to become pregnant.

Lodging a claim with ANZ on your travel insurance is relatively easy and can be done online. ANZ Global Assistance pays out approved claims, so it’s best to lodge your claim with them. Once you’ve provided all the details surrounding your claim, plus supporting evidence such as medical and police reports of any incidents or receipts, you can submit your claim. It will take about ten business days for a claim form and all necessary documentation to be processed.

There’s no one average cost of travel insurance which you’ll receive, with the price of premiums determined by a unique set of variables including:

• Your date of birth
• Your chosen destination
• The level of coverage you buy
• Any optional extras you need
• Pre-existing medical conditions you need to disclose
• The policy excess you choose
• The type of insurer and insurance policy you buy

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ANZ Platinum credit card

Our simple, everyday credit card.  The new card offer gives you:

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 first year, currently $87 thereafter). disclaimer

What to expect from this card...

$87 annual fee.

if you spend less than $20,000 a year on eligible purchases disclaimer

 interest rate

on purchases disclaimer

$6,000 minimum credit limit

and you expect you will be able to repay all or most of the closing balance each month

No ongoing annual fee

if you spend $20,000 a year or more on eligible purchases (less refunds or reversals.) disclaimer

Things to consider

• No ANZ Reward or Qantas Points benefits
• A higher interest rate on purchases compared to the ANZ Low Rate card
• A higher Annual Fee compared to the ANZ First card

Apply online

Apply online now

You’ll need details of your income, expenses, liabilities, assets and proof of identity.

Plus you'll also get...

Travel insurance.

Planning a trip? You may be eligible for complimentary travel insurance, disclaimer plus cover for rental vehicle excess in Australia, disclaimer when you purchase travel using your ANZ credit card.

T&Cs, limits, applicable sub-limits, exclusions and eligibility criteria apply . disclaimer

Insurance on purchases

Purchase using your ANZ credit card to be eligible for complimentary Extended Warranty Insurance disclaimer and Purchase Protection Insurance. disclaimer

T&Cs, limits, applicable sub-limits, exclusions and eligibility criteria apply. disclaimer

Buy now, repay later

ANZ Instalment Plans could be a handy way to repay your eligible credit card purchases over 3, 6 or 12 months.

Approval, eligibility and T&Cs apply. Fees and charges may apply.

24/7 Personal concierge

Get help with domestic and international restaurant or hotel bookings, gift ideas, travel recommendations and much more. disclaimer

Call us on 1300 580 765 (or +61 2 7907 0805 ).

ANZ Falcon® fraud protection

ANZ Falcon® provides 24/7 anti-fraud protection. If we identify any unusual transactions, we’ll contact you to help protect your money.

Balance transfers

Transferring your outstanding balances from non-ANZ credit or store cards could consolidate your debts into one regular repayment. disclaimer

Cashrewards

Earn cashback from more than 2,000 popular retailers when you shop through Cashrewards. disclaimer

Digital wallet compatible

An easy way to pay using your ANZ credit card on your compatible mobile device. disclaimer And, if you need a replacement card, digital cards are faster than the post.

Rates and fees

$6,000 Minimum credit limit

Up to 55 Interest-free days on purchases disclaimer

Standard interest rates

on cash advances disclaimer

on balance transfers disclaimer

Annual fees

$0 Annual Fee in the first year disclaimer

$87 if you spend less than $20,000 per year on eligible purchases (less refunds or reversals) disclaimer

up to 9 additional cardholders no cost for additional cardholders

For details about all applicable fees & charges please refer to the   ANZ Credit Cards Conditions of Use (PDF)  and  ANZ Personal Banking Account Fees and Charges (PDF) .

Eligibility

Who can apply  .

To apply for an ANZ Platinum credit card, you’ll need to:

• be 18 years of age or over
• be an Australian or New Zealand citizen, permanent resident or have more than 9 months left on your visa

Not sure if you’re eligible?

Call our credit card specialists on 13 22 73 .

Get started online

You’ll need:

• Details of your income, expenses, liabilities and assets
• Proof of identity.

Credit Card Quick Start

Get started now

Start your application online. We’ll call you back within 2 business days to help you complete it.

You may also be interested in

• ANZ's lowest annual fee card disclaimer
• $1,000 Minimum credit limit
• $30 current annual fee disclaimer

Get $125 back to your new ANZ First credit card when you spend $750 on eligible purchases in the first 3 months from approval. disclaimer Plus, get a $0 annual fee in the first year. disclaimer

T&Cs, eligibility criteria, fees and charges apply (including an annual fee, $0 for the first year, currently $30 thereafter). disclaimer

See ANZ First  

• ANZ's lowest interest rate on purchases disclaimer
• $58 current annual fee disclaimer

Choose between one of these two new card offers:

Get a 0% p.a. balance transfer rate for a 28-month promo period, with a 3% balance transfer fee + $0 annual fee in the first year. disclaimer

28-month promotional period starts when we issue a Letter of Offer, not when the Balance Transfer is processed (usually 3-15 business days after card activation). Rate reverts to standard BT rate at the end of the promotional period, currently disclaimer T&Cs, eligibility criteria, fees and charges apply (including an annual fee, $0 for the first year, currently $58 thereafter).

Get $250 back to your new card when you spend $1,500 on eligible purchases in the first 3 months from approval. disclaimer

T&Cs, eligibility and spend criteria, fees and charges apply (including an annual fee, currently $58). disclaimer

See ANZ Low Rate card  

Ways your credit card is protected

Fraud money back guarantee.

Provided you didn’t contribute to the loss, notified us promptly of the fraudulent activity and complied with the product T&Cs. disclaimer

Card security microchip

An embedded card microchip makes it harder for your card to be fraudulently copied.

Visa secure

(formerly known as verified by visa).

Some added peace of mind to securely shop online. 

Choose the card for you

Compare each card’s features, considerations and fees to help you choose.

Compare credit cards

Budgeting and credit card education

Tips to fit your budget to your spending.

A healthy budget helps with peace of mind and a greater sense of financial wellbeing. But where to get started?

Let's take a look

How to manage your credit card debt

There are some potential pitfalls to watch out for when it comes to credit cards. See how to make your repayments work for you.

Things to know about paying off your card

Make sure you avoid late payment fees with things like due date reminders and direct debits.

Your questions answered

Can i apply for a credit card if i don't have credit history.

Yes. A credit rating or history plays an important part in assessing credit card applications, but it’s not the deciding factor. Your employment history, expenses, assets and liabilities are also considered.

Do I have to be a permanent resident of Australia to apply for an ANZ credit card?

No. If you have more than 9 months remaining on your visa, you are eligible to apply for an ANZ credit card. 

Will you run a credit check for my application?

When you apply for a credit card, we’ll conduct a credit check on you by requesting information from one or more credit reporting agencies.

You will find that this is standard practice across the industry.

Learn more about credit reporting .

Credit scores

What's a good credit score.

Depending on which credit scoring agency you go to, you may get a different score. Meaning what is considered a ‘good’ credit score will vary from place to place. 

Generally, your score will sit somewhere between 0 and 1,000 or 0 and 1,200, depending on which agency is calculating your score. No matter where you go, a higher number always means a better credit score.

Visit the Credit Smart website for more information on good credit scores and ratings.

How do I check my credit report?

The credit reporting bodies will provide you with one free credit report per year. Additional reports can be requested at a cost.

To obtain your credit report you’ll need to contact one or a combination of the credit reporting bodies.

Visit the Credit Smart website for more information

How can I improve my credit score?

There is no quick fix, improving your credit score will take time. Getting on top of your repayments and ensuring they are made on time is a good place to start. For more tips on how to improve your score, visit the Credit Smart website.

How credit cards work

What is a credit card.

A credit card is a credit facility which allows you to borrow money from the bank to make purchases and get cash advances. Each credit card has a credit limit which is the amount you have been approved to spend on your card. Read “What is a credit limit” in our FAQ for more information on credit limits.

When you take out a credit card you agree to pay back the money you borrow plus any applicable interest, fees and charges.  Learn more  about ANZ’s interest rates, fees and charges.

What's an interest-free period?

When you make an eligible purchase with your ANZ credit card, you may have a period of time to repay the amount without being charged any interest. This is an interest-free period. disclaimer

Whether an interest free period is available and what period of time can vary. Please refer to our credit card education pages for more info. 

What is a credit limit?

The credit limit is the amount you have been approved to spend on your credit card.

• From time to time there may be a debit made to your Credit Card Account, which, if processed, would temporarily result in the outstanding balance exceeding your credit limit.
• ANZ has an informal overlimit facility to help you in these circumstances.
• Please note an overlimit fee will be charged in these circumstances.
• You can ask ANZ to decline certain transactions so that you don't exceed your credit limit. 
• Please refer to the ANZ Credit Cards Conditions of Use for further information.

What happens if I miss the due day for repayment?

You must be sure you will be able to repay a credit card before you take one out. If you miss a repayment due date you may have to pay interest and other fees and charges. It’s really important to understand your payment obligations and how credit card statements are structured. Our credit card education section contains a lot of useful information on your payment obligations and how credit cards work.

Will I be charged interest if I only make the minimum payment?

Yes. If you choose to only make the minimum monthly repayments, you’ll end up paying more interest and it may take longer to pay off or reduce your credit card balance. It could be tempting to simply pay this amount. But if you keep doing this, it could end up costing you much more in interest in the long run. disclaimer

Your statement should include a ‘minimum repayment warning’, which shows you two different scenarios. disclaimer Depending on how big your closing balance is, these two scenarios can be chalk and cheese. The first scenario gives an estimate of how long it could take you to pay off your credit card closing balance if you only make the minimum repayment each month and make no more purchases. It also provides an estimate of how much interest you could end up paying over that timeframe (assuming you make no new transactions, and fees and interest don’t change). The second scenario gives an estimate of how much you’d need to pay each statement period to pay off the closing balance in two years (assuming you make no new transactions, and fees and interest don’t change). This scenario includes an estimate of how much you could save in total interest charges.

Getting started

Activate card and set PIN  

Set up automatic payments  

Add a card to your digital wallet  

Interest rates, fees & terms  

Using your card

Order a replacement card  

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Important information

Applications for credit are subject to ANZ’s credit approval criteria. Terms and conditions, and fees and charges apply. Australian credit licence number 234527.

The ANZ App is provided by Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Super and Insurance (if available) are not provided by ANZ but entities which are not banks. ANZ does not guarantee them. This information is general in nature only and does not take into account your personal objectives, financial situation or needs. ANZ recommends that you read the ANZ App Terms and Conditions available here for iOS (PDF) and here for Android (PDF) and consider if this service is appropriate to you prior to making a decision to acquire or use the ANZ App.

Offer is for new and approved credit card applicants and is limited to one offer per applicant.

ANZ may vary or end this offer at any time without notice. Not available in conjunction with other offers, packages or promotions, or when transferring from an existing ANZ credit card. The time it takes to process, approve an application and deliver or activate a card can vary and there may be delays.

Eligible applicants must meet the spend criteria within 3 months of the date of approval. The date of approval of an application is the disclosure date specified in your Letter of Offer. Eligible purchases includes purchases made using your account but excludes specific purchases as set out in the ANZ Credit Card Conditions of Use (PDF) . Excluded purchases include, for example, fees, cash advances, cash equivalent transactions, balances transfers, premiums paid for ANZ credit card insurance, transactions for gambling or gaming purposes or reversed or refunded transactions and will not qualify. The $300 will generally be credited to your ANZ Credit Card Account within 3 months of meeting the spend criteria. The $300 credit will be applied to the purchases balance and does not constitute a payment under your Credit Card Contract with ANZ. You will not be eligible for $300 back if your ANZ Credit Card Account is cancelled, suspended, transferred, or you are in default or breached the ANZ Credit Card Conditions of Use (PDF) .

The ANZ Platinum Annual Fee will be waived in the first year. In each subsequent year, if Eligible Purchases of $20,000 or more are processed to your ANZ Platinum Credit Card Account during the relevant annual period, your next Annual Fee will be waived. The date Purchases are processed may be different from the date they were made. The relevant annual period starts on the day after your last Annual Fee was charged (or the day it would have been charged, if it was waived, or the day you accepted this offer or your transfer to ANZ Platinum became effective, if it is the first time we are due to charge your Annual Fee) and ends on the day your next Annual Fee would be charged. Eligible Purchases includes purchases made using your account, but excludes Balance Transfers, cash advances, interest and fees. Refunds and reversals processed during the period will be deducted from your total Purchases (even if they relate to transactions in a previous period). If you do not make at least $20,000 of Eligible Purchases excluding refunds and reversals in the year prior to your Fee Date the Annual Fee will be charged to your account. The Annual Fee is currently $87 but is subject to change.

Standard annual interest rate for ANZ Platinum is  on the purchases balance,  on the cash advances balance and  on the standard balance transfers balance as at  and is subject to change.

Complimentary insurance covers: AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631(trading as Allianz Global Assistance) under a binder from the insurer, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 has issued a group policy to Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522 AFSL and Australian credit licence 234527 which allows eligible ANZ account holders and cardholders to claim under the group policy as a third party beneficiary by reason of the statutory operation of Section 48 of the Insurance Contracts Act 1984 (Cth).  The eligibility criteria, terms, conditions, limits and exclusions of the group policy are set out in the  ANZ Platinum and Black Credit Card Complimentary Insurance booklet (PDF) which may be amended from time to time. An excess may be deducted from any benefit paid. ANZ does not guarantee this insurance. Any advice has been prepared without taking into account your objectives, financial situation or needs.  You must check whether or not it is appropriate, in light of your own circumstances, to act on this advice.

The ANZ Concierge Service is available for all ANZ Rewards Black, ANZ Rewards Platinum, ANZ Rewards Travel Adventures, ANZ Platinum, ANZ Frequent Flyer Black and ANZ Frequent Flyer Platinum credit cardholders.

ANZ may change, replace or withdraw the ANZ Concierge Service by giving you reasonable notice.

Applies to transfers of $100 or more from eligible non-ANZ Australian credit and store card debts only. ANZ cannot accept a transfer if the balance of your card has reached 95% or more of the available credit limit balance, if you are in default on any existing ANZ credit card account or if the other account named in your application is in default at the time the application is received.

Cashrewards is offered by Cashrewards and not ANZ. Cashrewards is not exclusive to ANZ cardholders. The Cashrewards account is not an ANZ account. To earn cashback you must be a Cashrewards member. Exclusions and caps may apply. Eligibility criteria, cashback redemption and withdrawal conditions and T&Cs apply .  Please visit Cashrewards for further details.

Mobile payments available on compatible devices and eligible ANZ cards. View the full list at anz.com/mobilepayments . Terms and conditions apply to the use of Apple Pay , Google Pay , Samsung Pay ,  Fitbit Pay and Garmin Pay .

Interest free periods on purchases do not apply if you do not pay the Closing Balance (or if applicable, your 'Adjusted Closing Balance') shown on each statement in full by the applicable due date. Your Adjusted Closing Balance is calculated as your Closing Balance less the sum of any relevant Promotional Plan balances that relate to an Instalment Plan, a Buy Now Pay Later plan, or a Promotional Balance Transfer Plan, plus any instalments due (including instalments previously due which have not yet been paid). Payments to your account are applied in the order set out in the  ANZ Credit Cards Conditions of Use (PDF) . Existing customers should review their credit contract for information regarding their account.

The standard annual interest rate is  on the purchases balance,  on the cash advances balance and  on the standard balance transfers balance as at  and is subject to change.

The annual fee is currently $58 (as at ) but is subject to change. For applicable fees and charges please see the ANZ Personal Banking Account Fees and Charges (PDF) .

Applications for credit are subject to ANZ’s eligibility and credit approval criteria. Offer is for new and approved credit card applicants and is limited to one offer per applicant. ANZ may vary or end this offer at any time without notice.

Offer available in respect of balance transfers requested from Australian non-ANZ credit and store cards only at the time of applying for the new ANZ credit card. ANZ will process the balance transfer requested and any applicable fees up to 95% of your approved credit limit. Depending on the credit limit we approve, this might be less than the full amount of the amount of balance transfer you request when you apply.

The balance transfer Promotional Plan annual percentage rate expires 28 months after the date the credit card application is approved, which is the date of your Letter of Offer, and after the first 28 months the standard balance transfer annual percentage rate will apply to any unpaid Promotional Plan balance. A balance transfer can take between 3-15 business days to process once your card has been activated. The standard balance transfers annual percentage rate is currently for ANZ Low Rate Card, and is subject to change. Terms and conditions apply to balance transfers. Payments to your account are applied in accordance with the ANZ Credit Cards Conditions of Use (PDF) .

See the ANZ Credit Card Conditions of Use (PDF) and the ANZ Personal Banking Account Fees and Charges (PDF) for more information about fees and charges. If you transfer to a different credit card account this offer will cease to apply.

The Balance Transfer Fee (which is a Specific Fee on the credit card account) is 3% of the balance transferred and will be applied at the time the balance is transferred and forms part of the Promotional Plan balance.

After the first year an annual fee applies, currently $58. Please see the ANZ Personal Banking Account Fees and Charges (PDF) and ANZ Credit Cards Conditions of Use (PDF) .

Offer is for new and approved credit card applicants and is limited to one offer per applicant. ANZ may vary or end this offer at any time without notice. Not available in conjunction with other offers, packages or promotions, or when transferring from an existing ANZ credit card. The time it takes to process, approve an application and deliver or activate a card can vary and there may be delays.

Eligible applicants must meet the spend criteria within 3 months of approval. The date of approval of an application is the disclosure date specified in your Letter of Offer.

Eligible purchases include purchases made using your account but excludes specific purchases as set out in the ANZ Credit Card Conditions of Use (PDF) . Excluded purchases include, for example, fees, cash advances, cash equivalent transactions, balances transfers, premiums paid for ANZ credit card insurance, transactions for gambling or gaming purposes or reversed or refunded transactions, and will not qualify.

The $250 will generally be credited to your credit card account within three months meeting the spend criteria. The $250 credit will be applied to the purchases balance and does not constitute a payment under your contract with ANZ.

You will not be eligible for the $250 back if your credit card account is cancelled, suspended, transferred, or you are in default or breach of the ANZ Credit Card Conditions of Use (PDF) .

The annual fee for ANZ First is currently $30, the standard annual interest rate is on the purchases balance, on the cash advances balance and on the standard balance transfers balance as at  and is subject to change. For applicable fees and charges please see the ANZ Personal Banking Account Fees and Charges (PDF) .

Eligible applicants must meet the spend criteria within 3 months of the date of approval. The date of approval of an application is the disclosure date specified in your Letter of Offer. Eligible purchases includes purchases made using your ANZ Credit Card Account but excludes specific purchases as set out in the ANZ Credit Card Conditions of Use (PDF) . Excluded purchases include, for example, fees, cash advances, cash equivalent transactions, balances transfers, premiums paid for ANZ credit card insurance, transactions for gambling or gaming purposes or reversed or refunded transactions and will not qualify. The $125 will generally be credited to your ANZ Credit Card Account within 3 months of meeting the spend criteria. The $125 credit will be applied to the purchases balance and does not constitute a payment under your Credit Card Contract with ANZ. You will not be eligible for $125 back if your ANZ Credit Card Account is cancelled, suspended, transferred, or you have breached the ANZ Credit Card Conditions of Use (PDF) .

After the first year an annual fee applies, currently $30. Please see the ANZ Personal Banking Account Fees and Charges (PDF) and ANZ Credit Card Conditions of Use (PDF) .

Refer to the Electronic Banking Conditions of Use contained in your product terms and conditions (PDF) .

Not all transactions (e.g., at ANZ cash advances) get the benefit of interest-free days. Refer to the applicable credit contract for details of which (if any) transactions are eligible for interest-free days.

Compared to if the account holder had paid their Closing Balance in full each month.

The information provided in the Minimum Repayment Warning is provided as a guide only. It provides an estimate of how long it will take an account holder to pay off a credit card Closing Balance for a particular month if the account holder only pays the Minimum Monthly Payment each month. It shows how much interest the account holder could end up paying assuming the account holder makes no new transactions and fees and interest rates do not change.

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You are talking to a small group here. Maybe a dozen people regularly answer Air travel questions, and it is very unlikely that any of us will have been in this position.

In any case, it does not matter what anyone from ANZ says. What matters is the wording of the policy document (Product Disclosure Statement), which you can get from the ANZ web site.

Thank you. Curious to know if any one else have had to claim and what their experience have been.

ANZ are not the insurer so you need to advise who is.

ANZ use Allianz for their travel insurance Frommy.

Sorry yes its Allianz insurance

I have been extremely fortunate as my airline (Singapore Airlines ) will refund my non refundable ticket. My cruise has been cancelled and I have chosen a credit as the bonus was quite significant. If I don’t use it within the next 2 years my deposit will be refunded. Most of my hotels have refunded me (including several that were non refundable) and I have 3 hotels that have given me credits. It remains to be seen whether Australia will permit International travel by July 2021 so that I can use those credits but overall I am quite satisfied.

OP you don’t mention what type of holiday you had booked but have you contacted them to ask what your options are?

rom - yes, I was told the same as you regarding 'government interference'. However I put in a claim anyway with Allianz (through ANZ platinum credit card) for $25,000+ but I’m not holding my breath that this will be successful. I booked the first segment of travel in late October 2019 and this activated the complementary insurance - well before COVID-19 reared it’s ugly head. I have been told the backlog of claims is 40 working days, ie two months, I submitted my claim on May 16th.

It can’t hurt to file a claim - good luck!

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The Guide to AmEx Platinum Travel Insurance

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Table of Contents

When does the AmEx Platinum travel insurance kick in?

Amex platinum travel insurance benefits and limits, how to make an amex travel insurance claim, what if the card’s insurance benefits are insufficient, the platinum card® from american express travel insurance, recapped.

Travel insurance can provide peace of mind when you’re away from home, especially when you’ve spent significant money on your vacation. Although you can choose to buy a separate travel insurance policy, not everyone wants or needs to do so.

Many travel credit cards offer complimentary insurance for a variety of occurrences. The Platinum Card® from American Express offers travel insurance with a suite of benefits for eligible travelers, including coverage for trip interruption, rental car damage and lost luggage.

Let’s take a look at travel insurance on The Platinum Card® from American Express , its limits and the benefits it provides.

» Learn more: What is travel insurance?

So, does The Platinum Card® from American Express have travel insurance? The short answer to this is yes, but you’ll need to meet specific requirements for it to apply.

To get coverage from your card, you’ll need to use it to pay for your trip in its entirety. This is true whether you’re looking to utilize the trip insurance or the rental car insurance — you must pay for the full cost with The Platinum Card® from American Express .

Be aware of coverage limitations if you’re traveling using points or miles. While it’s possible to receive benefits when using your card to pay the taxes and fees on a reward redemption, coverage may not always apply.

You may still be covered for trip interruption, delay, and cancellation insurance when using points or frequent flyer miles.

However, rental car and baggage insurance only apply when you’ve used your card to pay for the full cost of whatever you’re buying — no points allowed. The exception is if you redeem American Express Membership Rewards to pay for some or all of the booking.

» Learn more: How does credit card travel insurance work?

We’ve included a breakdown of all the insurance benefits and other travel protections provided by The Platinum Card® from American Express .

Trip cancellation protection

The trip cancellation insurance you’ll receive will pay for any nonrefundable losses you incur due to a covered event.

Given the current climate, you may also be wondering: does The Platinum Card® from American Express travel insurance cover COVID? It can, depending on the reason you need to cancel. Covered events include quarantine imposed by a physician or illness for you, your family members or a traveling companion.

Other eligible events include a change in military orders, inclement weather or jury duty.

If you need to cancel your trip, AmEx will provide up to $10,000 per trip and a maximum of $20,000 every 12 months. Terms apply.

» Learn more: The guide to American Express travel insurance

Trip interruption coverage

As with trip cancellation protection, trip interruption insurance will reimburse you for nonrefundable losses by a covered event.

If your trip is interrupted, American Express will cover you for prepaid land, air and sea travel bookings you’ve missed. They’ll also pay for the cost of an economy-class ticket on the most direct route to rejoin your covered trip (or take you home).

The maximum benefit you’ll receive is $10,000 per trip and up to $20,000 every 12 months. Terms apply.

Trip delay insurance

As it sounds, trip delay insurance will reimburse you for expenses incurred when your trip doesn’t go as scheduled. In the case of The Platinum Card® from American Express , coverage kicks in after you’ve been delayed by at least six hours for a covered reason.

Covered purchases may include food, toiletries, lodging, medication and other personal use items. You’ll be reimbursed for up to $500 on a covered trip and can make two claims within a 12-month period. Terms apply.

Rental car insurance

The Platinum Card® from American Express provides secondary rental car insurance . This means it’ll kick in after other claims — like those made to your personal insurance — have been paid. To activate coverage, you’ll need to decline the insurance offered by the rental car company.

AmEx will provide up to $75,000 due to damage or theft of the rental vehicle, but be aware that the policy doesn’t provide liability insurance.

It’ll also give you up to $1,000 per person (max of $2,000) for personal property lost in the incident and up to $5,000 for accidental injury. Finally, you’ll receive up to $300,000 for accidental death or dismemberment, though the rates will vary depending on the severity of your injuries.

This rental car insurance is valid worldwide with a few notable exceptions, including Australia, Italy and New Zealand. Terms apply.

» Learn more: Credit cards that provide travel insurance

Baggage coverage

Cardholders and their families are eligible for baggage insurance provided they’ve paid for the fare using The Platinum Card® from American Express . This benefit is only for lost baggage; delayed luggage is not protected.

Coverage limits vary depending on whether you’ve checked your bag or carried it on:

Checked bags: Up to $2,000 per person.

Carry-on: Up to $3,000 per person.

Note also that checked baggage is only covered when you’re actually traveling with a common carrier. Meanwhile, carry-on luggage is also covered when traveling to and from or waiting at the terminal.

There are also specific limits for high-risk items such as jewelry and electronic equipment. For these items, you’ll receive a maximum of $1,000 per person per trip. Terms apply.

» Learn more: Baggage insurance explained

Premium Global Assist

What else does The Platinum Card® from American Express travel insurance cover? Although this last benefit isn’t technically a type of travel insurance, it’s worth including as it can offer help while you travel.

AmEx’s Premium Global Assist hotline is a 24/7 service that can assist you in various ways, such as helping you get a new passport, finding translation services and even arranging for emergency medical evacuation.

Although using Premium Global Assist is free, the services that you may end up using are not necessarily covered by AmEx.

There are exceptions to this — if you need repatriation of mortal remains, emergency medical evacuation or if a child under 16 is left without care, AmEx will provide aid at no additional cost. Terms apply.

To file a claim, you’ll need to contact your benefit administrator. The phone number and timeframe will vary according to the type of insurance you’re using:

Trip cancellation, interruption or delay insurance: Within 60 days, call 844-933-0648.

Baggage insurance: Within 30 days, call 800-228-6855 or online .

Rental car insurance: Within 30 days, call 800-338-1670 or online .

» Learn more: The guide to AmEx Platinum rental car benefits

If The Platinum Card® from American Express travel insurance doesn’t seem like it’ll be enough for your trip, or if its coverage doesn’t include features that you’d like to have, consider purchasing a separate travel insurance policy before you travel.

Several companies allow you to compare various policies for any vacation and modify inclusions as you shop.

» Learn more: How much is travel insurance?

The travel insurance offered by The Platinum Card® from American Express includes some pretty generous benefits for travelers, especially since it’s complimentary (the $695 annual fee notwithstanding). Terms apply.

If you want to take advantage of this insurance, pay for your trip using your AmEx card and double-check any other stated requirements before heading out to ensure coverage.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024 , including those best for:

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

No annual fee: Bank of America® Travel Rewards credit 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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