anz complimentary travel insurance review

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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 Travel insurance customer reviews

Overall rating, recent anz travel insurance customer reviews.

ANZ Travel Insurance

It was a good level of cover for me, I was concerned with value for money mostly and as I was young, not as concerned with coverage. I did not have to make a claim but it was a good experience when I did contact them.

Really solid

ANZ provided some solid travel insurance for my trip to Europe.

Nice staff and easy to understand information

Easy to understand

Enjoy the benefits of ANZ internationally

I enjoy being with an internationally connected provider

Bank with them every time

Very happy with them all.

Both reliable and trustworthy for customers.

A confident and reliable insurer is what provided us the stable backbone to our vacation, without worries or 'what if's', ANZ has proved many doubters wrong, myself included, and would be worthy for anyone.

Great value for money

Very good .

Friendly customer service, great price for family.

Great, friendly people and always willing to answer my questions.

Easy and convenient

I get my travel insurance through my credit card, it's super convenient and gives me peace of mind.

Great for customers

It's pretty good.

Great customer service and options

They had many options covering anything that could possibly go wrong.

Trust worthy and decent customer service

They are helpful when I need help, nothing bad has happened whilst traveling so far but I know they would sort out anything that affects me negatively when I decide to travel.

Would like to pay cheaper like others for medical

I find travel insurance is a little expensive and I also made sure my family was covered for Asthma and Eczema as an additional cost. I think travel insurance should cover all medical for the same price.

Competitive premiums and great customer service

I like this insurer as they are reliable and my other family members use them.

About Mozo community reviews

Mozo gives you the inside story on the best banking, energy and insurance products as rated by thousands of real customers around Australia. We don't make subjective judgments, nor do advertisers influence our ratings. Although our reviews may be moderated to improve quality standards, they are moderated independently of any of Mozo’s commercial relationships.

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

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

Information on this page is correct as of 27 April 2022

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

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

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

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

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

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

What is a General Exclusion?

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

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

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

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

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

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

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

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

Can ANZ Eligible Cardholders make a claim for consideration?

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

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

Claim Online 

Call our claims team.

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Please Note - If you are cruising around Australia you need to select Pacific. With Regions, variances can apply for Bali, Indonesia, Japan and Middle East. You are not required to enter stop-over countries if your stop-over is less than 48 hours.

If you don’t know where you’re traveling to within the next 12 months, choose Worldwide to ensure you’re covered no matter where you go. If you’re travelling to multiple countries choose the region that you are visiting that is furthest away (excluding stopovers less than 48 hours). In most cases you will be covered for the closer regions as well. For example, if you choose Europe, you will also be covered in the Middle East, Asia and Pacific.

Worldwide means anywhere in the world

Americas means USA, Canada, South America, Latin America, Hawaii and the Caribbean

Europe means all European countries, including UK

Middle East refers to the area from Syria to Yemen; Egypt to Iran

Asia generally means Asia and the Indian subcontinent. For some insurers this excludes Japan*

Pacific means the South West Pacific, Australia and Indonesia/Bali*. Select Pacific for domestic cruises in New Zealand waters

New Zealand means domestic travel within New Zealand only

*Note: Variances apply for Bali, Indonesia, Japan and Middle East. Check that your destination is covered once directed to your chosen insurer’s site.

Credit card travel insurance

Complimentary or 'free' credit card travel insurance is a popular feature which many travellers rely on for cover during their travels.  Checking the fine print of your credit card travel insurance policy terms is essential - otherwise, you might find common exclusions leave you out of pocket.

What is  credit card travel insurance?

Pros and cons of credit card travel insurance.

Here's the top four pros and cons of complimentary credit card travel insurance:

Most credit card policies are underwritten by the same companies as standalone policies, so you know legitimate claims will be paid. 

Most credit card travel insurance policies specifically exclude pre-existing conditions from cover.

While standard travel insurance gets more expensive as you get older, there's no extra cost on credit card travel insurance policies. 

Many cards have an age limit or restrictions once you hit 75 years of age. Trip duration is often limited of 1 to 6 months, so you might not be covered at all even though you've paid your annual fee. 

You don't have to pay extra to be covered for places like Japan and the USA, which typically cost more with standalone policies due to .

If you're going skiing, riding a motorcycle, or partaking in adventure activities be sure to check the policy detail as they may be excluded.

You've already paid for your policy using your annual fees, so there's no additional cost to you. 

Annual card fees can be hefty. Depending upon your trip details, a standalone policy may be cheaper than your credit card annual fee.

Activating  credit card travel insurance

1. ​activation on purchase, 2. activation on value or percentage of trip purchases, 3. activation on flight purchase, 4. activation on notification.

You need to call your card provider or log in to their internet banking or app and notify them of your trip to activate the policy.

compare credit card  travel insurance conditions 

The information provided is factual at the time of writing and general in nature.  We have not considered your personal circumstances.  Eligibility requirements and terms and conditions for cover are subject to change from time to time.  Please refer to your credit card provider and the latest policy wording prior to your travels. 

Will credit card insurance cover you?

Spouse or family members, trip length.

what credit card travel insurance may not cover

Pre-existing conditions, holiday activities,   high-value items, what credit card travel insurance covers, overseas emergency medical treatment, cancellation fees and lost deposits, luggage and personal effects, public liability, credit card travel cover  faqs, is credit card travel insurance any good.

Whether credit card travel insurance is as good as or better than standalone travel insurance depends entirely on you and your circumstances. If you're going for a short trip, you've paid for your flight on your card, and you have no pre-existing medical conditions, taking advantage of 'free' credit card travel insurance might be a winner. But if you're going for a while, doing any adventurous activities, or you're got existing health issues, a standalone product may offer you the coverage you're looking for.

Which Australian credit cards come with travel insurance?

Not every credit card comes with travel insurance. Complimentary travel insurance is typically offered on premium credit or rewards cards that have higher annual fees. Check your policy documents for details or contact your bank. You can also check the table above for some of the more popular credit cards.

What is the best credit card for travel insurance?

The benefits you get with credit cards varies based on the type of card you have, the policy provider and your individual circumstances, so there isn’t actually a “best” credit card for travel insurance. Our table lists Australia's premium cards that provide travel insurance and outlines any activation criteria.

Can I cover my medical conditions with my credit card cover?

In most cases, pre-existing medical conditions will not be covered by travel insurance that comes with your credit card, but you may be able to get cover for this by contacting the insurer and paying an additional premium. You will need to check the Product Disclosure Statement (PDS), also known as policy wording to find out whether pre-existing medical conditions are covered. The alternative is a standalone travel insurance, learn more about covering your medical conditions.

Am I covered if I go skiing?

Like all insurances, some limitations apply to the travel insurance that comes with your credit card or rewards card and skiing is often one of them. Winter sports activities such as skiing and snowboarding are often excluded from credit card travel insurance, so if you're planning on hitting the slopes you should contact your provider to ensure that you have adequate cover for your planned activities. If not, opt for a standalone ski insurance policy.

Crystal Moran

With a research and journalism background, and certified in Tier 2 General Insurance General Advice, Crystal is passionate about investigating customers’ tricky travel questions and helping them find the answers they’re looking for. A writer and filmmaker whose favourite trips have been to film festivals in Cuba and South Korea, and campervanning around the USA, she loves getting to know new people and seeing a glimpse of the world through their eyes.

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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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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.

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.

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...

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.

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.

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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Anz platinum credit card.

Offers $300 back to your new card and no annual fee for the first year, with an $87 annual fee after that.

• $300 credit back on your new card
• $0 annual fee in the first year ($87 p.a. thereafter). The annual fee is waived if you spend more than $20,000 on the card each year.
• Complimentary insurance covers, including international travel insurance, purchase protection insurance and extended warranty insurance
• Does not offer a rewards program
• Charges a 3% foreign transaction fee

The ANZ Platinum offers a range of complimentary insurance options for travel and shopping. Right now, you can get $300 back on your new ANZ Platinum Credit Card when you spend $1,500 on eligible purchases in the first 3 months. You’ll also save with a $0 annual fee in the first year, which goes to $87 p.a. after that. This will be waived after the first year when you spend over $20,000 on your card annually.

Eligibility criteria

• Residency requirement. Citizens and permanent residents of Australia are eligible to apply. If you are a non-Australian permanent resident, you must have an eligible working or business visa with at least 9 months remaining.
• New cardholder. The $300 credit back offer and the first-year annual fee waiver are only available to new ANZ Platinum credit card customers.
• Eligible balance transfer debt. ANZ allows you to transfer from $100 up to 95% of your credit limit from non-ANZ credit and store card accounts.
• Credit history. You'll need to have a good credit score to receive approval. You can get your credit score and comprehensive credit report for free through Finder .
• Age. You must be at least 18 years old to apply.

Required documents

• Personal details. Including your full name, date of birth, address and contact details.
• Proof of identification. Such as your Australian driver's licence number.
• Income and finances. You'll need to verify your income with 2 recent payslips and provide details of your expenses, assets and liabilities.
• Employment. List your current employment as well as your employer's contact details. If you're self-employed, you'll need to include your accountant's phone number.
• Balance transfer. Detail the amount you're transferring and provide the account number that you're moving the debt from.
• $300 back. You'll get $300 back to your new card when you apply for a new ANZ Platinum Credit Card and spend $1,500 on eligible purchases in the first 3 months from card approval.
• $0 annual fee in the first year. The ANZ Platinum offers a waived annual fee in the first year for new cardholders. After the first year, a $87 annual fee applies. This is waived if your annual spending on the ANZ Platinum Credit Card is over $20,000. The annual spend is calculated 12 months following your account's "fee date".
• Complimentary insurance covers. The ANZ Platinum credit card offers a range of complimentary insurances for travel and shopping, including international travel insurance, domestic travel insurance, rental vehicle excess in Australia insurance, purchase protection insurance and extended warranty insurance. The eligibility criteria include making eligible spend with your ANZ Platinum credit card.
• Mobile wallets. Whether you use an Android, Samsung, or Apple device, you can use Google Pay , Samsung Pay or Apple Pay to make contactless payments with your eligible smartphone at the checkout. You can also link your ANZ card and make contactless payments with Fitbit Pay and Garmin Pay.
• Fraud protection. ANZ credit cards are protected by ANZ Falcon anti-fraud monitoring system. If you are a victim of a fraudulent transaction, you'll be protected by ANZ's Fraud Money Back Guarantee.

Rates & fees

• Purchase interest rate. Your purchases will collect the 20.99% p.a. interest rate if you carry a balance beyond the interest-free period.
• Interest-free days. When you pay the closing balance in full by the statement due date, you can save with up to 55 interest-free days on purchases. Note that if you have promotional balances from relevant balance transfer plans, instalment plans and buy now pay later plans , you will need to pay the full Adjusted Closing Balance listed on your statement to be eligible for interest-free days. This is calculated as your closing balance less the sum of any relevant promotional plans.
• Additional cardholders. You can add up to 9 additional cardholders for $0.
• Cash advances. If you use your card to make a cash advance (such as an ATM withdrawal), you'll be charged a 21.99% p.a. interest rate. You'll also be charged 3% of the transaction amount or $3 in Australia or 3% of the transaction amount or $4 (whichever is greater) for overseas transactions.
• ANZ Platinum Credit Card information PDF
• ANZ Platinum Credit Card TMD

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 profile

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