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Premium insurances

Travel and shop with our ANZ Platinum credit cards or Black credit cards

We offer Platinum and Black credit cards that could give you complimentary Overseas Travel and Medical Insurancedisclaimer, Car Rental Excess Coverdisclaimer, Extended Warranty Insurancedisclaimer, 90-day Purchase Security Insurancedisclaimer  and much more.

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Complimentary insurance provider is changing from QBE to Allianz

Effective 11 April 2018, the insurer of your ANZ Credit Cards Complimentary Insurance will be changing from QBEdisclaimer Insurance to Allianzdisclaimer.

Although we are switching provider, please be assured that you do not need to do anything. The complimentary insurances will continue to exist so that you can keep on enjoying complimentary insurance as a benefit of your ANZ Platinum, ANZ Black, or ANZ First credit card.

If you satisfy the eligibility criteria for cover under the Master Policies and an insurable event occurs on or after 11 April 2018, your claim will be addressed by Allianz. For events occuring prior to 11 April 2018, your claim will be addressed by QBE.

For full details, please refer to the relevant policy booklet below:

 

Frequently asked questions

Your cover with Allianz will remain substantially the same as QBE. There are some limited exceptions which have been summarised below:

  • Master Policy Arrangement - Effective 11 April 2018, the complimentary insurance policies (known as the “Master Policies”) will be issued and managed by Allianz Global Assistance.
  • Termination of Master Policy - Allianz or ANZ may terminate the Master Policies at any time, and ANZ will provide written notification to customers if this occurs.
  • The privacy statement has changed to align with Allianz Global Assistance’s privacy policy for each of the Master Policies.
  • The general definition of mental illness has been updated in the Premium Cards Insurance booklet.
  • Extended Warranty Insurance - Australian Competition and Consumer Law explanatory paragraph inserted into Extended Warranty Insurance Master Policy.
  • Resolving Complaints and Disputes - The Premium Cards Insurances booklet has been updated to clarify that any complaints referred to an ASIC (Australian Securities and Investments Commission) body will be subject to that body’s terms of reference.
  • QBE Travel’s contact details have been replaced with Allianz Global Assistance’s contact details throughout the policy booklets.

 

Please refer to the Premium Cards Insurance booklet and ANZ Credit Cards Insurance Features booklet effective 11 April 2018 for further details.

If you satisfy eligibility criteria for cover under the credit card complimentary insurance policy booklet relevant to your card and an insurable event occurs on or after 11 April 2018, your claim will be addressed by Allianz. For events occurring prior to 11 April 2018 your claim will be addressed by QBE.

If you satisfy eligibility criteria for cover under the relevant insurance policy, your claim will be addressed by Allianz.

If you satisfy eligibility criteria for cover under the relevant insurance policy, your claim will be addressed by QBE.

If you have made a claim prior to 11 April 2018, QBE will continue to address your existing claim. Please refer to correspondence received from QBE, which will contain the contact details of your QBE case manager.

 

If you require further assistance in relation to your ANZ Credit Cards Complimentary Insurance please contact 1300 135 271 Monday to Friday, 9am–5pm (AEDT) where a customer service consultant will assist you.

Complimentary insurance when you travel (eligibility criteria apply, including using your eligible card to make the purchase)

You could save up to $740disclaimer on Overseas Travel and Medical Insurancedisclaimer.

Overseas Travel and Medical Insurance can cover you for up to a period of 6 continuous months. This is for a range of contingencies including:

  • overseas medical and dental expenses
  • cancellation and additional expenses
  • loss or damage of luggage and travel documents
  • accidental death and permanent disability
  • loss of income
  • personal liability

A range of pre-existing medical conditions is automatically covered and cover for other pre-existing medical conditions may be available at an additional cost.

For more information, please read the relevant Premium Cards Insurance booklet.

 

Peace of mind when you rent a car in Australiadisclaimer

Rental Excess Cover reduces your excess if you have an accident in a car you hire from a major car rental company in Australia using your ANZ Platinum or ANZ Black card account. Most car rental companies generally charge around $20 to $30 per day for this type of insurance. Without it, your excess for damage to a rental car in the event of an accident could be anywhere between $2,000 to $5,000. This complimentary cover will pay your rental excess over the first $350 up to a maximum of $5,000.



Interstate Flight Inconvenience Insurance when you fly within Australiadisclaimer

When you purchase a return interstate flight fare for a trip of up to 14 days on your ANZ Platinum or ANZ Black card account, you may be covered by Interstate Flight Inconvenience Insurance. This could protect you against unforeseen events in certain cases including trip cancellation and lost or stolen luggage.

 

Transport Accident Coverdisclaimer

Transport Accident Cover pays a benefit of up to $750,000 in the event of accidental death or up to $375,000 for an injury, while you are a passenger in a licensed plane, tourist bus, train or ferry provided you have paid for the full cost of that transportation with your ANZ Platinum or ANZ Black card account.

 

 

Complimentary insurance for your shopping (eligibility criteria apply, including using your eligible card to make the purchase)

Shop with confidence with 90-day Purchase Security Insurancedisclaimer

90-day Purchase Security Insurance covers you against loss, theft or accidental damage for most personal items you purchase on your ANZ Platinum or Black credit cards for 3 months from the date of purchase.

What credit card purchases are you covered for? Most personal items like: cameras, mobile phones, handbags and stereos.

What types of purchases aren’t you covered for?

  • Items purchased for the purpose of resupply/resale
  • Business related items
  • Animals or plant life
  • Computer software or non-tangible purchases
  • Cash, trading cards, traveller’s cheques, collectable, gambling or second-hand items
  • Consumables, e.g. food or oil
  • Vehicles - boats, automobiles, motorboats or airplanes
  • Real estate and movable fixtures or fittings, e.g. dishwashers, air conditioners
  • Purchased items exceeding $10,000.
  • Anything over $3500 in jewellery, watches and fine arts
  • More than $135,000 over a 12-month period to your account


Get the welcome reassurance of Extended Warranty Insurancedisclaimer

Extended Warranty Insurance gives you peace-of-mind when you purchase major personal and household items with your ANZ Platinum or Black card account – increasing the Manufacturer’s Warranty for up to an additional 12 months.

What the Extended Warranty Insurance could cover you for:

Extended Warranty Insurance could cover most personal items for breakdown or defect, as long as you were using the item for the purpose it was made and the breakdown or defect is covered by the terms of the Australian warranty.

What the Extended Warranty Insurance doesn’t cover you for:

  • Claims made for more money than the product was initially charged for on the credit card (if you paid for your item part by card, part by cash, you’ll only be eligible to get back what you charged on your card)
  • Claims made for more than the sum of $10,000 in a 12 month period per participating credit card account. 


Don’t fret over the price of your purchases with Best Price Guarantee Schemedisclaimer

How does the Best Price Guarantee Scheme work?

  • Make the purchase on your ANZ Platinum or Black credit card account to be eligible
  • Find the same product (same model number, year and manufacturer) advertised later in a printed catalogue at a cheaper price within 21 days of purchase
  • The store must be within 25km of the store where the item was purchased
  • The price difference must be more than $75 – up to a maximum of $300 (E.g. If you bought a camera for $800, the better price you’ve spotted must be less than $725 and more than $500).

 

 

Complimentary insurances for ANZ First

Like ANZ Platinum and Black cardholders, ANZ First cardholders may also be eligible for complimentary insurance for shopping. ANZ First cardholders can enjoy the same benefits with:

  • 90-Day Purchase Security Insurancedisclaimer (excluding anything over $1000 in jewellery, watches and fine arts and excluding more than $50,000 over a 12-month period to your account)
  • Extended Warranty Insurancedisclaimer

Read the relevant ANZ Credit Cards Insurance Features booklet for more information.

 

Emergency and medical assistance  

If you’re overseas and need assistance, QBE Assist are on call 24 hours a day, 7 days a week. The numbers below are toll-free from a landline, but you’ll be charged if you’re calling from a mobile phone.

 

Emergency contact numbers table 1
Country Telephone
Austria 0800 291 702
Canada 1800 665 3870
China North 10800 611 0133
China South 10800 361 0151
France 0800 90 5097
Germany 0800 181 7694
Greece 00800 6112 6195
Hong Kong 800 933 877
Ireland 1800 552 636
Israel 180 945 6589
Japan 00531 616 441

 

Emergency contact numbers table 1
Country Telephone
Malaysia 1800 800 428
Netherlands 08000 226 742
New Zealand 0800 441 678
Singapore 800 6161 051
Spain 900 996 167
Switzerland 0800 838 533
Thailand 001 800 611 2885
Turkey 00800 6190 3627
United Kingdom 0800 899 813
United States 1800 765 8631

 

If you can't use the toll free numbers above, please contact the Emergency Assistance team using the contact details below.

Phone: + 61 3 8523 2800

Fax: + 61 3 8523 2815

Within Australia: 1300 555 019 or 03 8523 2800

Email: qbeassist@qbe.com

 

 

How to make a claim

Please do not contact ANZ if you need to make a claim, as we don’t approve or process insurance claims.

 

For Overseas Travel and Medical Insurancedisclaimer, Transport Accident Coverdisclaimer or Rental Excess Coverdisclaimer, please contact QBE Insurance (Australia) Ltd:

Phone (toll free): 1300 135 271 (Monday to Friday 8:30am-6pm AEST)

Email: travel.service@qbe.com

Postal Address: P.O Box 12090 Melbourne VIC 8006

 

You'll find full details about these insurances policies in the relevant Premium Cards Insurances booklet.


The Overseas Travel and Medical Insurance master policy, the Transport Accident Cover master policy and Rental Excess Cover master policy (the Master Policies) are issued by QBE Insurance Australia Limited ABN 78 003 191 035 to ANZ. Cover under the Master Policies is provided to eligible participating cardholders by operation of section 48 of the Insurance Contracts Act 1984 (Cth). The eligibility criteria which you must meet for each of the Master Policies is set out in the Premium Cards - Insurance booklet (PDF 366kB) - Part 1 QBE Product Disclosure Statement and policy wordings. When overseas, we recommend that you carry proof that you have met the eligibility criteria. Any advice has been prepared without taking into account your objectives, financial situation or needs. You must decide whether or not it is appropriate, in light of your own circumstances, to act on this advice. You should ensure you obtain and consider the PDS before you make any decision to acquire it.

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Extended Warranty Insurance, 90-day Purchase Security Insurance, Best Price Guarantee Scheme and Interstate Flight Inconvenience are part of a group policy issued by QBE Insurance (Australia) Limited ABN 78 003 191 035, AFSL 239545 to ANZ. Access to the benefit of cover is provided to eligible ANZ cardholders by operation of s48 of the Insurance Contracts Act 1984 (Cth). Terms, conditions and exclusions apply. For more information refer to the Premium Cards - insurances booklet (PDF 366kB).

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Complimentary insurance is issued and managed by AWP Australia Pty Limited ABN 52 097 227 177 AFSL 245631 (trading as Allianz Global Assistance) acting under a binder from the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708.

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This estimate is based on a couple/family purchasing a standard international annual multi-trip policy underwritten by QBE without any customisation for pre-existing conditions or without taking into account any special conditions or requests as of 14 October 2017.

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Extended Warranty Insurance and 90-day Purchase Security Insurance are part of a group policy issued by QBE Insurance (Australia) Limited ABN 78 003 191 035, AFSL 239545 to ANZ. Access to the benefit of cover is provided to eligible ANZ cardholders by operation of s48 of the Insurance Contracts Act 1984 (Cth). Terms, conditions and exclusions apply. For more information refer to the  ANZ Credit Cards Insurance Features Brochure (108kB).

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