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Top travel insurance tips

Published 9 October 2018 

Ensure you get the right cover to travel with confidence.

A holiday is one of life’s great pleasures. But when you’re away from home, it can be difficult - and expensive - if something goes wrong. A broken ankle while sightseeing in the US could not only ruin your trip, but leave you with hefty medical bills. And lost or delayed luggage - or a stolen camera - can mean you’re up for unexpected costs.

1. Check if you already have cover

Some credit cards offer travel insurance when you use them to pay for your trip - so check what’s already covered before you buy more. If you want cover for more activities or higher coverage with fewer exclusions, it may be worth taking out a separate policy before you leave.

2. Consider your destination

Where you plan to travel will influence the cover that you need. When travelling to countries with limited hospital facilities, consider policies that will bring you home for medical help. Or look for higher benefits for expensive destinations, like Europe and the US. Most policies exclude cover for countries with a Department of Foreign Affairs and Trade (DFAT) ‘do not travel’ warning - visit before you go.

3. Look for unlimited medical and dental benefits

If you need medical help overseas - or assistance with emergency dental treatment or repairs - you don’t want to be worried about the cost. So it makes sense to choose a policy you can count on to cover all your expenses - so you can get the treatment you need.

4. Get enough cancellation cover

Sometimes an unforeseen event can wreak havoc with your holiday plans. You may break a leg before a hiking trip, or the illness or death of a close relative may mean you have to cancel or cut short your trip. While most policies offer cancellation cover, they may have limits on how much they’ll pay - and when they’ll pay it. You should also check if there’s a benefit to help restart your trip later on.

5. Think about your activities

Most travel insurance won’t cover high-risk activities, like professional racing, rock-climbing or mountaineering, or running with the bulls. But a surprising number also won’t cover common holiday activities - like white-water rafting, ballooning, snow sports, bungee jumping and scuba diving. So if your plans include taking part in a few extra activities, make sure that your insurance will protect you if something goes wrong.

6. Keep your policy details close to hand

Get the ANZ App and bring all your policies with ANZ and other insurers into one place. That way you will always have your cover details handy when you need them most.

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This information was published on 9 October 2018 and is subject to change.

The issuer of this information is ANZ. While ANZ has taken care to ensure that this information is from reliable sources, it cannot warrant its accuracy, completeness or suitability for your intended use. To the extent permitted by law, ANZ does not accept any responsibility or liability arising from your use of this information.

ANZ Travel Insurance is issued by QBE Insurance (Australia) Limited (QBE) ABN 78 003 191 035 (AFSL 239545). We recommend that you read the ANZ Financial Services Guide (PDF 479kB) and ANZ Travel Insurance Product Disclosure Statement and Policy Document (PDF 496kB) (available online or by calling 13 16 14) before deciding whether to acquire, or to continue to hold, this product.

Although Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522 AFSL 234527 distributes these products, ANZ does not guarantee the issuers or their products.

This information is of a general nature and has been prepared without taking account of your objectives, financial situation or needs. You should consider whether the information is appropriate for you having regard to your objectives, financial situation and needs. 

The ANZ App is provided by Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Super, Shares and Insurance (if available) are not provided by ANZ but entities which are not banks. ANZ does not guarantee them. This information is general in nature only and does not take into account your personal objectives, financial situation or needs. ANZ does not represent or guarantee that access to the ANZ App will be uninterrupted. Temporary service disruptions may occur. ANZ recommends that you read the ANZ App Terms and Conditions available at and consider if this service is appropriate to you prior to making a decision to acquire or use the ANZ App.

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