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Premium insurances

Complimentary travel and shopping insurances

We offer Platinum and Black credit cards that could give you Overseas Travel and Medical Insurance, Rental Excess Cover, Extended Warranty Security, Purchase Security Insurance and moredisclaimer.

What's on this page

 

 

Complimentary insurance provider changed from QBE to Allianz

Effective 11 April 2018, the insurer of your ANZ Credit Cards Complimentary Insurance changed from QBE 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:

Check if you are eligible for ANZ Premium Overseas Travel and Medical Insurancedisclaimer with this online tool

Check eligibility

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 Insurances 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 Insurances booklet to be read with the Premium Cards Insurances Notification 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.

No, if you have paid the administration fee for confirmation from QBE that your pre-existing medical condition is covered for the duration of your trip, Allianz will also cover your pre-existing medical condition subject to the terms and conditions of the Master Policies.

As was previously the case, you will need to let the insurer (Allianz) know if any changes to the following as these may affect your cover or require you to undergo an assessment:

  • trip dates
  • destination(s)
  • new condition(s) or changes in the circumstances of your existing condition(s).

 

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 traveldisclaimer (eligibility criteria apply, including using your eligible card to make the purchase)

Overseas Travel and Medical Insurance can cover you for up to a period of 6 continuous months, except for cancellation benefits, which will cover you from the date you activate your cover in accordance with the eligibility criteria. 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 Insurances booklet to be read with the Premium Cards Insurances Notification.


 

Peace of mind when you rent a car in Australiadisclaimer

The Rental Excess benefit will cover you for the rental vehicle insurance excess, or the cost of repairing the vehicle (whichever is lower and up to the maximum benefit limit) if you rent a vehicle from a rental company, it is damaged by storm, fire, accident or theft, and you are a nominated driver on the rental agreement. Conditions, exclusions and sub-limits apply. For more information please read the Premium Cards Insurances booklet to be read with the Premium Cards Insurances Notification and ANZ Credit Cards Insurance Features booklet).



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 loss or damage to personal items. Conditions, exclusions and sub-limits (including limits on individual items) apply. For more information please read the Premium Cards Insurances booklet to be read with the Premium Cards Insurances Notification and ANZ Credit Cards Insurance Features booklet.

 

 

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 shoppingdisclaimer (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 and their accessories - boats, automobiles, motorboats or airplanes
  • Real estate and movable fixtures or fittings, e.g. dishwashers, air conditioners
  • Articles of contraband
  • 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
  • Claims made for goods which do not have a manufacturer's unique identification serial number. 


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

How does the Best Price Guarantee Scheme work?

  • Make the entire 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, Allianz Global Assistance 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
Australia 1800 010 075
Canada 1800 214 5514
China North 10800 610 0434
China South 10800 261 1323
France 0800 905 823
Germany 0800 182 7635
Greece 0800 611 4107
Hong Kong 800 900 389
India 00080 0610 1108
Indonesia 0018 036 1098
Italy 800 787 451
Japan 0066 3386 1052

 

Emergency contact numbers table 1
Country Telephone
Malaysia 1800 815 102
Netherlands 08000 0232 683
New Zealand 0800 778 103
Singapore 800 61602187
Spain 900 996 115
Switzerland 0800 561 361
Thailand 001 800 612 1082
United Kingdom 0800 289 270
United States 1866 844 4085

 

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

Phone: + 61 7 3305 7465

Fax: + 61 7 3305 7005

Within Australia: 1800 010 075 or 03 8523 2800

Email: medical@allianz-assistance.com.au

 

 

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, click here.

For all other covers, click here.

You'll find full details about these insurances policies in the relevant Premium Cards Insurances booklet to be read with the Premium Cards Insurances Notification.


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 Master Policies to Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522 AFSL and Australian credit licence 234527 which allow eligible ANZ account holders and cardholders to claim under the Master Policies as third party beneficiaries. The eligibility criteria, terms, conditions, limits and exclusions of the Master Policies are set out in the Premium Cards - Insurances Policy Information booklet (PDF 366kB) and the ANZ Credit Cards Insurance Features booklet (PDF 111.5kB) which may be amended from time to time. 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. 

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90-day Purchase Security Insurance and Extended Warranty 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 Master Policies to Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522 AFSL and Australian credit license 234527 which allow eligible ANZ account holders and cardholders to claim under the Master Policies as third party beneficiaries. The eligibility criteria, terms, conditions, limits and exclusions of the Master Policies are set out in the ANZ Credit Cards Insurance Features booklet (PDF 437kB) which may be amended from time to time. ANZ does not guarantee this insurance. Any advice has been prepared without taking into account your objects, financial situation or needs. You must check whether or not it is appropriate, in light of your own circumstances, to act on this advice.

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