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Complimentary Insurances

Complimentary travel and shopping insurances

Types of Complimentary Insurances available for eligible ANZ credit cardholders

You could be eligible for these complimentary insurances when you make eligible purchases on your ANZ Platinum or Black credit card:

Terms, conditions, exclusions and eligibility criteria apply. Refer to the Premium Cards - Insurances, Insurance Policy Information booklet (PDF 366kB) to be read with the Premium Cards Insurances Notification for further information.

You could be eligible for these complimentary insurances when you make eligible purchases on your ANZ First credit card:

Terms, conditions, exclusions and eligibility criteria apply. Refer to the ANZ Credit Cards Insurance Features booklet (PDF 428kB) for further information.

Changes to Complimentary Insurances for Consumer Credit Card customers
effective 2 October 2019

Effective from 2 October 2019, Allianz Global Assistance are making changes to:

Premium Cards – Insurances, Insurance Policy Information booklet,
relevant for the following products:

  • ANZ Frequent Flyer Platinum
  • ANZ Frequent Flyer Black
  • ANZ Rewards Platinum
  • ANZ Rewards Travel Adventures
  • ANZ Rewards Black
  • ANZ Platinum
  • ANZ Low Rate Platinum (no longer for sale)

ANZ Credit Cards Insurance Features booklet,
relevant for the following products:

  • ANZ First Free Days Visa
  • ANZ First Low Interest Visa (no longer for sale)
  • ANZ Free Days MasterCard® (no longer for sale)
  • ANZ Low Interest MasterCard® (no longer for sale)

What is changing?

Changes to Premium Cards – Insurances, Insurance Policy Information booklet:

  • A summary of changes to the Premium Cards – Insurances, Insurance Policy Information booklet is accessible here.
  • You should also read the new Premium Cards – Insurances, Insurance Policy Information booklet (effective 2 October 2019) which you can access here.

The changes include the correction of some errors in the Tables of Benefits section of the booklet for Overseas Travel and Medical Insurance which have now been updated to set out the maximum limits of what Allianz Global Assistance will pay in the event of a successful eligible claim. Overseas Travel and Medical Insurance has been renamed International Travel Insurance in the replacement booklet.

Allianz Global Assistance processes which may impact how eligibility for cover is assessed are also changing and may continue to change from time to time. Please note that not all Pre-Existing Medical Conditions are covered by International Travel Insurance. Each time you travel, you will need to meet the eligibility criteria and apply for confirmation of cover before going overseas for any pre-existing medical conditions you have, not listed in the Premium Cards - Insurances, Insurance Policy Information booklet.

Changes to ANZ Credit Cards Insurance Features booklet:

  • A summary of changes to the ANZ Credit Cards Insurance Features booklet is accessible here.
  • You should also read the new ANZ Credit Cards Insurance Features booklet (effective 2 October 2019) which you can access here.

Allianz Global Assistance processes which may impact how eligibility for cover is assessed are also changing and may continue to change from time to time.

What does it mean for you?

Premium Cards – Insurances, Insurance Policy Information booklet

You should review the changes to the Premium Cards - Insurances, Insurance Policy Information booklet and consider if the cover suits your needs, financial situation and objectives. If the event causing your claim occurs before 2 October 2019, Premium Cards - Insurances, Insurance Policy Information booklet (PDF 366kB) with effective date of 11 April 2018 (to be read with the Premium Cards Insurances Notification) will contain the eligibility criteria, terms, conditions, limits and exclusions for the relevant claim. If the event causing your claim occurs on or after 2 October 2019, Premium Cards - Insurances, Insurance Policy Information booklet (PDF 276kB) with effective date of 2 October 2019 will contain the eligibility criteria, terms, conditions, limits and exclusions for the relevant claimdisclaimer.

ANZ Credit Cards Insurance Features booklet

You should review the changes to the ANZ Credit Cards Insurance Features booklet and consider if the cover suits your needs, financial situation and objectives. If the event causing your claim occurs before 2 October 2019, the ANZ Credit Cards Insurance Features booklet (PDF 428kB) with effective date of 11 April 2018 will contain the eligibility criteria, terms, conditions, limits and exclusions for the relevant claim. If the event causing your claim occurs on or after 2 October 2019, the ANZ Credit Cards Insurance Features booklet (PDF 155kB) with effective date of 2 October 2019 will contain the eligibility criteria, terms, conditions, limits and exclusions for the relevant claimdisclaimer.

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

Check eligibility

Confirmation of eligibility

You can obtain written confirmation of your eligibility for cover for your overseas journey (based on the answers you provide Allianz Global Assistance), by applying online at www.checkyourcover.com.au/anz or by calling Allianz Global Assistance on 1300 135 271, 9am to 5pm AEST, Monday to Friday, except public holidays.

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, Insurance Policy Information booklet (PDF 366kB) to be read with the Premium Cards Insurances Notification.

Rental Excess Cover 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, Insurance Policy Information booklet (PDF 366kB) to be read with the Premium Cards Insurances Notification.

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 credit 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, Insurance Policy Information booklet (PDF 366kB) to be read with the Premium Cards Insurances Notification.

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 credit card account. For more information please read the Premium Cards – Insurances, Insurance Policy Information booklet (PDF 366kB) to be read with the Premium Cards Insurances Notification.

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, ANZ Black or ANZ First credit card 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.

For more information please read the Premium Cards – Insurances, Insurance Policy Information booklet (PDF 366KB) to be read with the Premium Cards Insurances Notification and ANZ Credit Cards Insurance Features booklet (PDF 428kB).

Get the welcome reassurance of Extended Warranty Insurancedisclaimer

Extended Warranty Insurance may cover you when you purchase major personal and household items with your ANZ Platinum, ANZ Black or ANZ First credit card – 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.

For more information please read the Premium Cards – Insurances, Insurance Policy Information booklet (PDF 366kB) to be read with the Premium Cards Insurances Notification and ANZ Credit Cards Insurance Features booklet (PDF 428kB).

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 ANZ 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).

For more information please read the Premium Cards – Insurances, Insurance Policy Information booklet (PDF 366kB) to be read with the Premium Cards Insurances Notification.

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

For more information please read the ANZ Credit Cards Insurance Features booklet (PDF 428kB).

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. If you can't use the toll free numbers, please contact us using the following contact details:

 

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
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

How to make a claim

Please pick any of the following options to make a claim to the Allianz Global Assistance/ANZ Travel team:

  • Lodge it online or obtain a claim form for other complimentary covers at www.claimmanager.com.au/anz 24 hours a day, 7 days a week.
  • Call 1300 135 271, 9am to 5pm AEST, Monday to Friday (except public holidays). Please note that calls from mobiles, public telephones or hotel rooms may attract additional charges.
  • Email ANZTravelTeam@allianz-assistance.com.au
  • Post your completed claim form to Allianz Global Assistance, Locked Bag 3014, Toowong DC, QLD 4066

You'll find full details about these insurances policies in the relevant Premium Cards – Insurances, Insurance Policy Information booklet (PDF 366kB) to be read with the Premium Cards Insurances Notification.

Complimentary insurances: 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 a Group Policy 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 Group Policy as third party beneficiaries.

If the event causing your claim occurs before 2 October 2019, the ANZ Credit Cards Insurance Features booklet with effective date of 11 April 2018 will contain the eligibility criteria, terms, conditions, limits and exclusions for the relevant claim. If the event causing your claim occurs on or after 2 October 2019, the ANZ Credit Cards Insurance Features booklet with effective date of 2 October 2019 at anz.com/allianz will contain the eligibility criteria, terms, conditions, limits and exclusions for the relevant claim and 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.

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, Insurance Policy Information booklet (PDF 366kB) and the ANZ Credit Cards Insurance Features booklet (PDF 428kB) which may be amended from time to time. An excess may be deducted from any benefit paid. 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 428kB) 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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Eligibility criteria, terms, conditions, limits and exclusions for claims may change from time to time. ANZ does not guarantee this insurance.

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