ANZ credit card complimentary travel insurance review April 2021 | Finder NZ

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ANZ credit card complimentary travel insurance

Interested in ANZ credit cards with complimentary travel insurance? Find out more about your options here.

A number of ANZ credit cards come with premium benefits, including complimentary insurance for overseas trips and rental car excess payments. These policies are underwritten by Allianz Australia Insurance Limited and have the potential to save you hundreds or even thousands of dollars.

Just as with purchased insurance, there are terms and conditions you need to meet before you can use this cover. This guide looks at ANZ credit card complimentary travel insurance, the coverage options provided and how to make an insurance claim, so you can get the most out of this bonus feature. In New Zealand, ANZ offers complimentary travel insurance to platinum credit card customers.

What are the eligibility requirements?

To activate your complimentary travel insurance, you will need to use your participating 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 completing the ANZ “eligibility questionnaire”.

Follow the link from the ANZ credit card site and it will take you to the questionnaire. Questions include such thing as your card type and number, primary destination and whether you have a return or a one-way ticket.

  • It is always important to check that the cover meets your individual requirements, so read the policy wording carefully.

There are a number of other requirements you need to meet to use this cover. Allianz has outlined the following key conditions:

  • Card status. You must be a current eligible ANZ cardholder, or a spouse or dependent child of the cardholder.
  • Age. Certain age exemptions apply to certain parts of the travel policy. These vary from 75 to 90 years of age, so check this out thoroughly.
  • Residency status. You should be a New Zealand citizen or permanent resident.
  • Ticket. You must have a valid return ticket to New Zealand.
  • Pre-existing medical conditions. Under this policy, Allianz will not insure you or anyone else for issues that are caused by certain pre-existing medical conditions, or for any travel you take for the purpose of getting medical treatment. Please see the policy document for more details.
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How do I know if I’m covered and what I’m covered for?

ANZ credit cards come with three main types of complimentary travel insurance. These are broadly defined as follows:

  1. Overseas travel and medical insurance. A comprehensive international travel insurance policy that includes medical expenses, cancellations, damage or loss of luggage and other personal items, rental vehicle expenses and loss of life or income. Cover begins when a policy certificate is issued to you and the required premium is paid. It continues until the expiry date shown on the policy certificate or until you return to your normal place of residence, whichever happens first.
  2. Transport accident insurance. This is an additional policy that is only available to Platinum cardholders. It provides a lump sum payment if you suffer a fatal accident travelling on licensed commercial transport. To qualify you must have “charged the full cost of your trip for the conveyance you are travelling on to your Platinum Card”.
  3. Rental vehicle collision damage and theft excess cover. This will cover you for the excess you are legally liable to pay in the event of a claim against your rental vehicle’s insurance policy. However, the actual vehicle is not covered, so make sure you take out comprehensive insurance and waivers with the rental organisation, “whether discretionary or mandatory”. Cover begins and ends based on the dates and terms of your rental vehicle agreement.
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How do I make a claim?

Allianz is responsible for processing all insurance claims made under these policies, and specifies that all claims must be made within 30 days of the completion of your journey. You can take the following steps to submit a claim at any time:

  1. Contact Allianz from anywhere in the world on +61 (0) 7 3305 7194.
  2. You can also email Allianz at
  3. To speed up the claims process, make sure you report incidents as soon as you can after they happen, but no later than 30 days after completion of your journey.
  4. Follow all other requirements relating to the issue.
  5. Fill out the claim form. You can download a claim form from the Allianz website. Make sure you include as much detail as possible when completing it.
  6. Provide supporting documentation. Depending on the type of claim you are making, you will need to provide evidence in the form of receipts, medical or police reports, declarations, valuations and incident reports.

Allianz will settle your claim once it has received a completed claim form with all the necessary supporting information, or contact you if more information is required.

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What insurances am I covered under?

Before you head off on a trip with this insurance, it is important to know what you will be covered for and how much you can claim for each issue. 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*Unlimited*

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 (Event 1)*

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

An excess is applicable to sections 1A, 1B and 2, and where you see a * an age limit applies, so please be sure to check the Allianz policy document.

Extended warranty

An extended warranty applies to the ANZ Freestyle MasterCard with cover provided by Chartis Insurance New Zealand. The extended warranty covers “any breakdown or failure of an item you buy using your ANZ Freestyle MasterCard, if the original manufacturer’s warranty would have covered that breakdown or failure, and that original manufacturer’s warranty applies in New Zealand”.

The original manufacturer’s warranty is extended for a maximum of 48 months:

Manufacturer’s WarrantyExtended WarrantyTotal Warranty Period

6 months

6 months12 months

12 months

12 months24 months

24 months

24 months48 months
36 months12 months48 months

Some exclusions do apply to the extended warranty, so make sure you check out the full terms and conditions in the ANZ Credit Card Conditions of Use. These exclusions include:

  • Boats, motor vehicles, aeroplanes or other motorised vehicles
  • Items in excess of NZ$10,000
  • Items where the original manufacturer’s warranty is more than 36 months
  • Items bought for commercial use

In addition, other costs and events aren’t covered by the extended warranty, including cost incurred for damage to an item caused by accident, neglect, abuse or wilful act. An excess of $50 will be charged when you make a claim under the extended warranty of the ANZ Freestyle MasterCard, which is then deducted from your payment claim.

Liability waiver insurance

If you are an ANZ business credit card holder, you are automatically protected by liability waiver insurance. This is in case there are any unauthorised transactions by your business’ cardholders. There is maximum coverage of US$25,000 p.a. for each cardholder up to a limit for the company of US$1,650,000 p.a. An excess of $100 applies; make sure you check out the full terms and conditions in the Visa Business credit card guide.

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ANZ’s premium credit cards offer a wide range of complimentary insurance options, including cover for international travel. While these credit card perks offer you a way to get insurance without paying for it, there are still many terms and conditions you need to consider. This guide covers the essential details of ANZ credit card complimentary insurance but it is still important to refer to the ANZ Insurance guides for full details of each policy. Alternatively, you can contact Allianz directly on 0800 499 666 with any specific questions or concerns.

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