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ANZ credit card complimentary travel insurance

If you have one of ANZ's eligible credit cards you could be eligible for free travel cover.

If you have either an ANZ Airpoints Visa Platinum or a Qantas ANZ Visa Platinum (no longer accepting new applications) credit card, you have access to ANZ’s complimentary travel insurance. This cover is managed by AWP Services New Zealand Limited

Find out more about what ANZ’s complimentary travel insurance covers and the eligibility criteria involved.

Who’s eligible?

To activate your complimentary travel insurance, you will need to use your eligible ANZ credit card to pay for at least half of your pre-paid travel expenses. In addition, you still need to meet certain requirements to claim free overseas travel insurance. If you would like to make use of the travel insurance, make sure to check if you qualify by using ANZ’s eligibility checker.

There are a number of other requirements you need to meet to use this cover:

  • Card status. You must be a current eligible ANZ cardholder, or a spouse or dependent child of the cardholder.
  • Age. You must be under 75 years of age, although limited benefits may apply to those aged 75 or older.
  • Residency status. You must be either a New Zealand citizen or permanent resident.
  • Return ticket. You must have a valid return ticket to New Zealand.
  • Trip duration. Your trip must be for 90 days or fewer.
  • Pre-existing medical conditions. You will not be insured for pre-existing medical conditions unless ANZ provides written approval.
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What does it cover?

Before you head off on a trip with this insurance, it is important to know what you will be covered for . The table below outlines what coverage you receive, policy limits and excess costs for each type of complimentary travel insurance available with an ANZ credit card.

What does excess mean?

Note: An excess in insurance is basically the amount you must pay towards any claim that you make.

BenefitThe maximum amount payable for each person covered


Overseas medical and dental expenses

Please read carefully the policy provisions relating to pre-existing medical conditions and Travel Guard



Additional expenses*$20,000

Sub-limits applying to Section 1B:

Loss of deposits

In-hospital cash*

Funeral expenses*

False arrest


Legal costs

Transport delay


$50 per day to maximum $5,000



$250 per day to maximum $10,000


$250 per day to maximum $500

2Luggage/personal effects and travel document$20,000
Sub-limits applying to Section 2:

Limit any one item

Deprivation of luggage

Laptop computers






3Missed transport connection$10,000
4APersonal injury*
Death *

Other types of injuries (Events 2–15)*

Broken bones (Event 16)

Dependant children (Events 1–15)





4BLoss of income*$12,000
5Personal liability$2,500,000
6Kidnap and ransom$250,000
7Rental vehicle excess$3,000
8Alternative employee expenses$10,000

Where you see an asterisk (*) an age limit applies. Check the policy document for more details.

How do I make a claim?

You can make a claim using the online claims portal on the ANZ website.

You can also call +61 7 3305 7194 24 hours a day, 7 days a week. You will need to have your ANZ card number, contact details and policy number handy (if you have been issued a certificate of insurance).

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ANZ’s complimentary travel insurance is a great perk to have, there are still many terms and conditions you need to consider. Use ANZ’s eligibility checker to be sure you’re covered for your trip and refer to the policy document for full details of coverage.

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