anz bank travel insurance nz

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Complimentary insurances with your ANZ credit card

We often don't think about insurance until we actually need it. Whether you need it now or not, you may be eligible for some complimentary travel or shopping insurance with your ANZ credit card. Take a look and see!

What are you looking for?

• International travel insurance

Emergency and medical assistance

• Insurance booklets

How to make a claim

Important changes to complimentary insurances.

Complimentary insurances for ANZ credit cards have undergone some recent changes, which will take effect from 7 June 2024 . Please refer to your new policy booklets and our helpful FAQs for details.

See what complimentary insurances are available

Select your card category below to see what complimentary insurances you may be eligible for on your existing ANZ credit card.

• Platinum or Black cards
• ANZ First cards

For ANZ Platinum and Black credit cards:

The eligible ANZ Platinum and Black credit cards are as follows:

• ANZ Rewards Travel Adventures (no longer for sale)

Refer to the policy information booklet for terms, conditions, exclusion, limits, applicable sub-limits and eligibility criteria that apply. disclaimer

You could be eligible for these complimentary insurances disclaimer when you make eligible purchases using your eligible ANZ Platinum or Black credit card (see list below):

• International Travel Insurance disclaimer
• Domestic Travel Insurance disclaimer
• Rental Vehicle Excess In Australia Insurance disclaimer
• Purchase Protection Insurance disclaimer
• Extended Warranty Insurance disclaimer

See your insurance booklet

For ANZ First credit cards:

The eligible ANZ First credit cards are as follows:

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

You could be eligible for these complimentary insurances disclaimer when you make eligible purchases using your eligible ANZ First credit card (see list below):

International Travel Insurance

You may be eligible for up to 6 months of complimentary international travel insurance with your ANZ Black or Platinum credit card. You'll need to meet the eligibility criteria set out in your  policy information booklet including, but not limited to:

• prepayment of, at least, $250 of your travel costs before leaving Australia
• travel costs need to be charged to an ANZ Black or Platinum credit card in your name. 

Before you travel overseas, read your  policy information booklet for full eligibility criteria, terms, conditions, exclusions, limits and applicable sub-limits. disclaimer  You can also check your eligibility and obtain a Letter of Eligibility  online or by phone below.

If your condition is life threatening, please call local emergency services.

Allianz Global Assistance are on call 24 hours a day, 7 days a week. Please contact us using the following contact details:

  1800 010 075   within Australia

+61 7 3305 7465  from overseas

Please note that calls from mobiles, public telephones or hotel rooms may attract additional charges.

Email or fax

Email  [email protected]

Fax  +61 7 3305 7005

Other overseas numbers

Find the number you need from our list below

Looking for all the fine print?

Please refer to the insurance booklet relevant to your ANZ credit card for the eligibility criteria, terms, conditions, exclusions, limits and applicable sub-limits of the Group Insurance Policy.  

Platinum/Black Insurance booklet

First Insurance booklet

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

Lodge your travel claim online or obtain a claim form for other complimentary covers.

  Claim online

24 hours a day, 7 days a week

1300 135 271

8am to 5pm AEST, Monday to Friday (except public holidays)

Email [email protected]

Post your completed claim form to Allianz Global Assistance, Locked Bag 3014, Toowong DC, QLD 4066

Your questions answered

What are the main changes.

A summary of the main changes (PDF) taking place in relation to the ANZ Platinum and Black Personal Credit Cards Complimentary Insurance Policy Information Booklet are:

• Wording updates to definitions and clauses
• Changes to benefit limits
• Excess will increase from $350 to $500 where excess is applicable.
• Period of cover for Platinum cardholders will reduce from 6 consecutive months to 3 consecutive months.

For the full list of benefits and the terms, conditions, exclusions, limits, applicable sub-limits and excesses that apply, please refer to the new ANZ Platinum and Black Personal Credit Cards Complimentary Insurance Policy Information Booklet for more information.

A summary of the main changes (PDF) taking place in relation to the ANZ First Credit Card Complimentary Insurance Policy Information Booklet are:

For the full list of benefits and the terms, conditions, exclusions, limits, applicable sub-limits and excesses that apply, please refer to the new ANZ First Credit Card Complimentary Insurance Policy Information Booklet for more information.

Why are the excess and benefit limits changing for International Travel Insurance?

ANZ and Allianz review the complimentary insurance offering from time to time and make adjustments in line with market conditions.

Why is the period of cover changing for International Travel Insurance for Platinum cardholders?

ANZ and Allianz review the complimentary insurance offering from time to time and make adjustments to reflect changing customer preferences and broader market conditions.

What happens to events occurring before 7 June 2024?

Where you want to make a claim for an insurable event that occurred before 7 June 2024 , the event will be covered under the terms of the policy in place at that time.

For ANZ Platinum and ANZ Black cardholders, if the insurable event occurred before 7 June 2024 , the ANZ Platinum and Black Personal Credit Cards Complimentary Insurance Policy Information Booklet (PDF) dated 8 November 2023 will apply.

Terms, conditions, exclusions, limits, applicable sub-limits and eligibility criteria apply. Please refer the new ANZ Platinum and Black Personal Credit Cards Complimentary Insurance Policy Information Booklet for more information.

For ANZ First Credit Card customers, if the insurable event occurred before 7 June 2024 , the ANZ First Credit Card Complimentary Insurance Policy Information Booklet (PDF) dated 8 November 2023 will apply.

Terms, conditions, exclusions, limits, applicable sub-limits and eligibility criteria apply. Please refer the new ANZ First Credit Card Complimentary Insurance Policy Information Booklet for more information.

If you have any questions about how the changes may apply to you, please contact Allianz Global Assistance on 1300 135 271 (within Australia) or by email to [email protected] .

Will this change effective from 7 June 2024 impact my current claim?

If you have any questions about an existing insurance claim or how the changes may apply to you, please contact Allianz Global Assistance on 1300 135 271 (within Australia) or by email to [email protected] .

ANZ Complimentary Credit Card Insurance and COVID-19 (Coronavirus) FAQ

Information for anz eligible cardholders regarding covid-19 and with a claim event date on and after 27 th april 2022.

Information on this page is correct as of 27 April 2022

Stay up to date on Travel Information for COVID-19 from the Department of Foreign Affairs and Trade (DFAT)  Smartraveller website and World Health Organisation   (WHO) and Department of Home Affairs .

Always consult the smartraveller.gov.au website prior to any travel.   In addition to visas, COVID-19 testing, and proof of vaccination requirements, many countries now have compulsory insurance and medical cover proof conditions.  Check with the nearest embassy, consulate or immigration department of the destination you are entering. If you require additional documentation regarding the complimentary international travel insurance policy due to international entry requirements, please contact us on 1300 135 271.

Are Eligible travellers covered for COVID-19 with this complimentary credit card travel insurance?

This complimentary travel insurance policy is designed to provide cover under select benefits to eligible travellers, if you or your travel companion are positively diagnosed as suffering a sickness recognised as an epidemic or pandemic such as COVID-19, and cover is expressly included under certain sections of the relevant ANZ Policy Information Booklet for which your eligible ANZ card is applicable under:    ANZ Platinum and Black Personal Credit Cards Complimentary Insurance Policy Information Booklet   or the  ANZ Business Black Complimentary Travel Insurance Policy Information booklet .  A General Exclusion for epidemic/pandemic applies for all claims relating to any epidemic/pandemic outside of the select benefits in the applicable policy information booklet. Please note, terms, conditions, limits and exclusions apply.

To receive a formal outcome, Eligible ANZ Cardholders must submit a claim.

Eligible ANZ travellers who meet the eligibility criteria should be aware that other General Exclusions have the potential to apply.

What is a General Exclusion?

A General Exclusion is an exclusion which will be applied across all sections of an insurance policy, and applies regardless of when eligibility for cover was gained.  Should a General Exclusion apply, this means that your complimentary credit card travel insurance excludes cover for the event, activities or circumstances (specified in the exclusion) that causes your claim.

To understand what is excluded from the ANZ Complimentary Insurance covers, please refer to the General Exclusions section and the section specific exclusions of the relevant ANZ Policy Information Booklet for which your eligible ANZ card is applicable under:  Premium Cards – Insurances, Insurance Policy Information booklet or the  ANZ Business Black Travel Insurance, Policy Information booklet

Other exclusions may apply depending upon the circumstances of an individual claim. General Exclusions include but are not limited to:

• where your claim arises because you did not follow an advice or warning that a reasonable person would have been aware of:
•                 by the Australian government (when a ‘Reconsider your need to travel’ or ‘Do not travel’ alert is in place), which can be found on                 www.smartraveller.gov.au; or
•                 which was published in a reliable mass media source.
• any interference with your travel plans by any government, government regulation or prohibition or intervention or official authority;  For example, if  Smartraveller has a warning, ‘Do not travel’ or ‘Reconsider your need to travel’ due to the risk of COVID-19 infection for a destination, and a cardholder chooses to ignore the warning and is infected with COVID-19, cover may be excluded.  Or if, a government closes its borders to inbound travellers due to COVID-19 and you are unable to enter and follow your planned travel across the closed border, cover may be excluded.

What if an ANZ Eligible Cardholder has booked travel and needs to cancel due to contracting COVID-19?

If you are unable to travel as a result of contracting COVID-19, Cancellation cover may be provided to eligible travellers, if you or your travel companion are positively diagnosed as suffering a sickness recognised as an epidemic or pandemic such as COVID-19, and cover is expressly included under the Cancellation section of the relevant ANZ Policy Information Booklet for which your eligible ANZ card is applicable under:  ANZ Platinum and Black Personal Credit Cards Complimentary Insurance Policy Information Booklet  or the ANZ Business Black Complimentary Travel Insurance Policy Information booklet     . If you are unable to travel as a result of an Epidemic or Pandemic related event which does not include you or your travel companion being positively diagnosed as suffering a sickness recognised as an epidemic or pandemic, for example a border closure, there may be no provision to claim as a general exclusion for epidemic and pandemic applies. A General Exclusion for epidemic/pandemic applies for all claims relating to any epidemic/pandemic outside of the cancellation benefits in the applicable policy information booklet. Please note, terms, conditions, limits and exclusions apply.

You therefore need to consider your own personal circumstances. We are not able to provide you with a cover decision before submitting a claim. To receive a formal outcome, ANZ Eligible Cardholders must submit a claim.

You should also contact your travel agent or travel service provider (airline, cruise line or Tour Company, etc) as they may be able to support you in obtaining refunds, credits or travel re-scheduling.

Can ANZ Eligible Cardholders make a claim for consideration?

Every ANZ Eligible Cardholder can submit a claim and have their individual circumstances considered in accordance with the eligibility criteria which includes the terms, conditions, limits and exclusions that apply as set out in the  and the  Premium Cards – Insurances, Insurance Policy Information booklet   or the  ANZ Business Black Travel Insurance, Policy Information booklet.

If you would like to claim, we encourage you to claim online via  www.claimmanager.com.au/anz

Claim Online 

Call our claims team.

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ANZ credit card complimentary travel insurance

Wondering what cover you get with anz credit card complimentary travel insurance here’s what you need to know and how to make a claim..

In this guide

Which ANZ credit cards have complimentary travel insurance?

How can you access anz credit card international travel insurance, what's covered by anz complimentary international travel insurance, what's not covered, pre-existing medical conditions, how to make a claim through your anz credit card complimentary international travel insurance policy, other types of anz complimentary credit card travel insurance, anz credit card complimentary insurance for shopping, anz business credit card complimentary insurance options, frequently asked questions, what you need to know:.

• ANZ credit cards with complimentary international travel insurance offer comprehensive cover for up to 6 months in a row when you travel overseas.
• You'll get cover when you meet the requirements before travelling (e.g. by paying for your trip with the card).
• Your spouse and dependants travelling with you can also get cover, but there are some requirements and exclusions .
• Do you have a question or need to make a claim right now? Call the insurance provider, Allianz, on 1300 135 271 (from Australia) or +61 7 3305 7465 (from overseas).

If you have an eligible ANZ credit card, you may be able to use this cover when you meet the eligibility requirements in the insurance policy booklet, including (but not limited to):

• Prepayment of at least $250 of your travel costs before you leave Australia
• Having a return overseas travel ticket to Australia before the start of your trip

Cover may also be available for your spouse and/or eligible dependents when both you and they meet the requirements in the policy information booklet.

If you need written confirmation of cover, you can also visit http://www.checkyourcover.com.au/anz or call Allianz on 1300 135 271 for more details.

Here, we've broken down the key options for different types of claims and situations. But remember: you should always read the insurance policy booklet for complete details of the cover.

Medical, dental and emergencies cover with an ANZ credit card

Example of when you might use this cover on an overseas trip.

If got sick overseas and had to go to hospital for a few days, you could get cover for costs related to:

• Doctor's fees
• Hospital fees
• Changes in your travel plans

Just keep in mind that each travel claim is subject to an assessment and there may be excess payments if you're eligible for a payout.

ANZ complimentary international travel insurance for cancellation, delays, accommodation and transport

⚠️ Keep in mind: Cancellations and other changes to your travel plans are only covered under specific circumstances. For example, if you missed a flight because you needed urgent medical treatment for a covered health issue.

Luggage and personal items cover offered with ANZ credit card complimentary insurance

Hijacking, personal liability, death and other cover offered with anz complimentary credit card travel insurance.

Claims under these benefits are less common and usually only apply in extreme circumstances. None of them have an excess payment but we have listed their claim limits.

• Hijacking: Unlimited
• Emergency accommodation due to terrorism: Up to $300 per day and a maximum of $3,000 per cardholder or spouse
• Personal safety evacuation: Unlimited
• Personal liability: Up to $3 million per cardholder or spouse
• Legal expenses: Up to $15,000 per cardholder or spouse
• Accidental death: $50,000 per cardholder or spouse, up to $1,000 per dependant
• Funeral expenses: Up to $25,000 for a cardholder or spouse

Note: Unless a specific limit is listed for dependants, any claims related to them will come out of the limit for the cardholder and/or their spouse.

Some of the key things you won’t be covered for with ANZ credit card complimentary international travel insurance include:

• If you don’t follow advice from any government, official body or mass media announcements
• Issues related to drinking alcohol or taking non-prescription drugs
• Travel that’s for the purpose of medical treatment
• If you or your partner give birth during the trip, or there are complications arising after week 26 of the pregnancy
• Dangerous activities including rock climbing (with equipment), white water rafting, bungy jumping, off-piste snowboarding or skiing and quad or motorbike riding if the engine has a capacity of 200cc or more

Does ANZ complimentary credit card travel insurance cover pandemics?

Yes, if you are diagnosed with COVID-19 or another epidemic/pandemic illness, this insurance offers cover for claims relating to:

• Overseas emergency assistance
• Overseas emergency medical
• Evacuation and repatriation
• Cancellation
• Additional expenses

If you're travelling with someone who tests positive for COVID-19, some cover is also available under the cancellation and additional expenses benefits.

⚠️ Remember: Check the ANZ credit card insurance policy booklet or call Allianz on 1300 135 271 for more details about COVID-19 claims and any exclusions.

Does ANZ credit card travel insurance cover family members?

Yes, your spouse and dependants (i.e. your children) can also get cover when they are travelling with your for at least 50% of your trip. They also need to meet the same travel booking requirements and other conditions of the insurance policy. Check the policy document for full details.

ANZ’s complimentary credit card international travel insurance offers cover for a select number of pre-existing medical conditions when you meet the requirements, including:

• High blood pressure
• High cholesterol
• Coeliac disease
• Diabetes (types 1 and 2)

If your condition is listed in the policy document, you don't need to apply for written confirmation as long as you meet the following criteria:

• The condition is stable
• You are not waiting for treatment
• You are not waiting on results of medical tests or investigations
• You’re not on a hospital waiting list
• You meet any other criteria specifically listed for your medical condition

Some pre-existing medical conditions have additional requirements. For example, with diabetes, you need to have been diagnosed at least 12 months before your trip. You also can’t have any known cardiovascular, hypertensive or vascular disease – or any related kidney, eye or neuropathy complications.

⚠️ Keep in mind: Every travel insurance policy has its own definition and details about pre-existing conditions. You'll find full details in the ANZ credit card complimentary travel insurance policy document.

What if I don't meet the requirements or have a different pre-existing condition?

Call Allianz on 1300 135 271 to check if you can use this insurance. You may be able to get written confirmation from Allianz that a pre-existing medical condition is covered. Keep in mind that a $75 administration fee may apply as part of this process.

Otherwise, you won't get cover for any pre-existing conditions that cause issues. This includes conditions that you've had professional treatment for and untreated conditions you're aware of before you travel.

Got a pre-existing health condition? Compare other travel insurance policies that offer cover for conditions including anxiety, high blood pressure and knee replacement.

If it's an emergency, call Allianz on +61 7 3305 7465 when you're overseas or 1300 135 271 in Australia. You can also submit a claim online by following these steps:

• Go to the Allianz online claims portal at https://claimmanager.com.au/anz/agreement
• Confirm you agree with the terms and conditions, then select "Create new claim"
• Select the "Credit card insurance" option and provide details of your card
• Fill in the details on the claim form and upload your supporting documentation

You will be contacted about your claim within 10 business days, according to the online claims website.

What to include in your claim

With insurance claims, include as many details as you can. This makes it easier for the insurer to look at the claim and your eligibility for a payout. Some examples include:

• A referral or letter from a doctor or other professional you see in relation to a claim
• Photo evidence
• Police reports

Tip: Use a travel wallet or create an online folder to keep all your important documents together. This could include your passport, itinerary, printed tickets, a copy of the ANZ card insurance policy booklet – plus anything that could become supporting documentation for claims.

Domestic travel insurance

• What is it? Cover for specific issues that come up when you're travelling to a different state or territory in Australia. This includes:
• Cancellation: Up to a maximum of $3,000.
• Travel delay expenses: After 4 hours or more, $125 per person up to a maximum of $300.
• Additional expenses: Up to $3,000.
• Luggage: Up to $750 per covered item with a maximum of $2,000.
• Luggage delay: After a delay of 12 hours or more, $150 per person up to a maximum of $400 for all claims combined.
• When can I use it? If you have paid for your return domestic flight with your eligible ANZ credit card before you leave. Or, if you have a return domestic flight and have paid for at least $250 domestic travel costs before you leave (such as accommodation).
• Is there an excess cost? There is a $100 excess cancellation, additional expenses and luggage claims.

Rental vehicle excess in Australia insurance

• What is it? Cover for damage or theft of a car or other vehicle you have hired in Australia, up to a maximum of $5,000.
• When can I use it? If you’ve used your ANZ credit card to pay the full cost of the vehicle rental.
• Is there an excess cost? $100 per claim.

How to make a claim under one of these policies

ANZ credit cards give you access to other types of insurance for items you buy. Here's a basic explainer of each one:

• Purchase protection insurance: Offers cover for up to 90 days when you buy a new item with your eligible card and it's then stolen, accidentally damaged or lost. It covers household and personal items such as laptops, shoes, jewellery and glasses.
• Extended warranty insurance: Cover that doubles the manufacturer's warranty for items bought in Australia, up to a maximum period of 12 months.

Don’t have complimentary insurance on your credit card yet? Compare ANZ credit cards or other cards that offer insurance .

All ANZ business credit cards offer complimentary unauthorised transaction insurance. Some also offer complimentary international travel insurance and transit accident insurance. Here’s a summary for different ANZ business cards:

Have an ANZ credit card that’s not on this list? Check the terms and conditions available on the ANZ website to see if your card is eligible. Or, look at ANZ travel insurance you can get without a credit card.

Can I get proof of my cover?

Yes. If you’re going on a cruise or tour that requires proof of insurance, you can get a letter of eligibility online at www.checkyourcover.com.au/ANZ .

Is pregnancy covered by this travel insurance?

Pregnancy is treated as a pre-existing medical condition but some cover may be available for complications of your pregnancy caused by injury or sickness. This includes naturally conceived and medically assisted (e.g. by IVF) pregnancies. If there were complications before you became eligible for cover, you typically won't get cover for pregnancy-related claims.

There are also exclusions related to pregnancy, such as for antenatal care. Make sure you read the ANZ credit card complimentary insurance booklet for full details, or call Allianz on 1300 135 271.

Amy Bradney-George

Amy Bradney-George was the senior writer for credit cards at Finder, and editorial lead for Finder Green. She has over 16 years of editorial experience and has been featured in publications including ABC News, Money Magazine and The Sydney Morning Herald.

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With 130,000 bonus Qantas Points and complimentary insurances, the ANZ Qantas Business Rewards Credit Card could be an appealing option for business owners.

This entry-level card offers a low annual fee, a $200 digital gift card offer and mobile payments through Apple Pay, Google Pay and Samsung Pay.

Receive $250 back to your card with this promo offer. Plus, save with a competitive 13.74% p.a. purchase rate.

This platinum card offers a $0 first-year annual fee, $300 credit back offer and complimentary insurance covers.

This business rewards credit card offers 100,000 bonus ANZ Reward Points, transfers to Qantas Frequent Flyer and data feeds for accounting software. So is it right for you?

The ANZ Frequent Flyer Black has a competitive bonus Qantas Points offer and perks including Qantas Club Lounge invitations and complimentary insurance. Weigh up if it's worth the $425 annual fee.

Compare the features of the ANZ Rewards Black, including 180,000 bonus points offer, a high earn rate and complimentary insurance.

The ANZ Rewards Platinum Credit Card offers a competitive rewards program, 100,000 bonus ANZ Reward Points and a range of complimentary insurance covers.

Earn Qantas Points as you spend, enjoy complimentary travel insurance and take advantage of an introductory offer on the ANZ Frequent Flyer Platinum.

This entry-level card offers a $0 first-year annual fee, $125 credit back offer and mobile payments through Apple Pay, Google Pay and Samsung Pay.

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153 Responses

Does my complimentary travel insurance also cover my wife travelling with me

Hi Bob, Yes, if your wife is travelling with you for the entire trip and both of you meet the requirements, you’ll both be able to use this travel insurance. If you have more specific questions about this cover, you can also contact the insurer Allianz on 1300 135 271. I hope this helps.

We are going on a 35 day cruise going around Australia with many stops in Australia and also one stop in Denpasar Indonesia and 3 stop around New Zealand. The Cruise starts in Sydney and finish in Sydney. I’m using my ANZ Platinum card, are we covered?

Hi John, The international travel insurance policy for the ANZ Platinum Credit Card has a definition for “overseas” that includes “when you are aboard a foreign registered cruise vessel in Australian territorial waters.” So if the cruise ship is registered outside Australia, it’s possible you would be covered. But you should call the insurance provider, Allianz, on 1300 135 271 to check the details specific to your travel plans. I hope this helps.

Hi I am about to turn 81 years of age will I still be covered by my Platinum card. If not will my wife who is 76 be covered even if I am not.

Hi Ron, If you meet the other eligibility requirements for cover before you turn 81, you would be eligible for this cover. This means you would need to spend at least $250 of your prepaid travel expenses on your eligible ANZ Platinum card, have a return overseas travel ticket before you leave Australia and meet the residency requirements. Your wife would also be eligible if you met the eligibility requirements. If you have further questions, you can contact the insurance provider Allianz on 1300 135 271. I hope this helps.

Does paying for car hire on a trip count for the $250 you need to put on your platinum Visa card for Domestic travel insurance?

Hi Clare, Car hire would generally be considered as a pre-paid travel cost. A sit’s not specifically mentioned in the ANZ Platinum and Black Complimentary Insurance policy booklet, it’s a good idea to call the insurance provider, Allianz, on 1300 135 271 to check your eligibility. I hope this helps.

HI I’ve been diagnosed with Motor Neurone Disease and have a trip to Bali on May 25th. Will I still have coverage under a frequent flyer Anz black card if I need to be flown back to Australia. Many thanks.

Unfortunately, Motor Neurone Disease is not one of the pre-existing medical conditions that is listed as being covered without an assessment. But you can call Allianz on 1300 135 271 to organise an assessment of your condition, which may allow you to get written confirmation from Allianz that the pre-existing medical condition is covered. A $75 administration fee may apply as part of this process.

Alternatively, you can compare travel insurance for pre-existing conditions and learn more about different options on Finder. I hope that helps.

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Home > Travel Insurance > ANZ Travel Insurance Review

ANZ Travel Insurance Review

Learn more about ANZ’s travel insurance policies to find out about their coverage and fees and compare them with other insurers today.

Fact checked

One of Australia’s ‘big four’ banks, ANZ has been servicing the country’s banking and finance needs for more than 50 years. The bank was formed in 1970 after the merger of the Bank of Australasia and the Union Bank of Australia. Since then, ANZ has branched out into offering insurance, credit cards and investment management.

Whether you’re travelling to Singapore or Sydney, if you have your eye on one of ANZ’s travel insurance policies, it's crucial to make sure you do your research with Savvy and compare them with other offers available. By doing so, you can give yourself the best chance at finding the right cover for your travel-related needs.

Get a quote right away and learn more about ANZ’s travel insurance plans when you compare with Savvy today.

*Please note that Savvy does not represent ANZ for its travel insurance products.

More about ANZ travel insurance

What travel insurance policies does anz offer.

Travel insurance is only accessible if you’re a cardholder with ANZ. If you have an ANZ Platinum or Black credit card, you can be automatically covered for the following:

• International Travel Insurance: aside from cancellation benefits, which activate the day you take out your cover, this policy can protect you for up to six consecutive months. You’re also covered for any overseas medical or dental emergencies and the loss or damage of your luggage and travel documents. If you’re a senior traveller under 81, you can qualify for this type of travel insurance policy.
• Domestic Travel Insurance: your interstate and intrastate travel may be covered by domestic travel insurance, as well as travel to Australian territories, with a return domestic flight booked up to 28 days after your departure. The initial 28 days of your holiday are covered, even if it lasts longer. The available coverage includes cancellation or travel delay costs, supplemental costs, and lost or delayed luggage.
• Rental Vehicle Excess: if you hire a car in Australia and charge the entire cost of the rental to your ANZ Black or Platinum credit card account, you may be covered by the rental vehicle excess insurance. The Rental Vehicle Excess in Australia Insurance will cover your rental excess up to $5,000 or the maximum total limit specified in your rental vehicle agreement, whichever is less, provided you are a nominated driver on the rental agreement. If the rental vehicle is damaged or stolen while in your care, the insurance will cover the damage or theft up to the maximum limit of up to the amount in your agreement.

Whether you're travelling to Croatia , taking a flight to Singapore or just journeying within Australia, it's crucial to compare domestic and foreign insurance quotes with Savvy before you purchase your coverage.

What optional extras are available through ANZ?

Unlike other travel insurance companies who provide you with a choice of optional extras such as adventure sports or snow sports cover, ANZ doesn’t offer any extra coverage. You’ll only be offered coverage for what’s already included in your policy.

What exclusions should I be aware of when buying travel insurance through ANZ?

It's crucial to keep in mind that even the most comprehensive travel insurance policy won't give you endless coverage. The exclusions found in ANZ’s Product Disclosure Statement (PDS) include:

• Loss of enjoyment
• Booking travel against doctors’ advice
• Intentionally injuring yourself or attempting suicide
• Knowingly travelling to a country with a ‘do not travel’ warning
• Partaking in dangerous activities, such as rodeo riding, canyoning or running with the bulls in Spain on a European holiday
• Illegal or criminal acts
• Injury, illness or death if you’re over 81 (international insurance)

If you’ve found a policy that draws your eye, make sure you review the PDS before you set your decision in stone.

What we think of ANZ travel insurance

What we like, instant, complimentary travel insurance coverage.

By spending $250 on pre-paid travel costs using your ANZ credit card, you’ll receive instant cover for up to six months free of charge, no matter where in the world you’re holidaying.

Competitive luggage cover

While some travel insurance companies scrimp on the coverage for lost, stolen or damaged luggage, ANZ allows you to claim up to $12,000.

Cover for domestic pets

ANZ lets you claim up to $500 per cardholder if your return home is delayed and you need to cover the cost of additional boarding kennel or cattery fees.

What we don't like

Only available to credit card customers.

ANZ doesn’t offer any standalone travel insurance policies, allowing only those with Platinum or Black credit cards to access cover for a holiday.

No optional extras

In a rare move for a travel insurer, ANZ doesn’t include any add-ons or optional extras as part of its policies.

High excesses

While other travel insurers will usually make you pay between $150 and $250 to make a claim, ANZ’s standard excess is an eye-watering $350.

Types of travel insurance

International.

International travel insurance can offer cover for a range of events, including medical expenses, lost luggage or items, cancellation fees and more when you're overseas and a long way from home.

If you're journeying within Australia, domestic policies are designed to offer many of the same protections as international travel insurance (with the exception of medical expenses).

Single trip

The most standard and common type of travel insurance, this policy can cover you for one trip starting and ending in Australia (and is available for both international and domestic travel).

Annual multi-trip

As the name suggests, this type of travel insurance covers multiple trips over a 12-month period. Depending on your insurer, you may be able to take an unlimited number of trips up to 90 days each.

You don't have to have a return ticket booked to take out cover while you're overseas. One-way travel insurance enables you to access cover without a set end date, such as if you're moving temporarily.

You may need to take out specialist coverage if you're setting sail on a cruise. Fortunately, cruise insurance can cover emergency evacuation, cabin confinement and more.

Just because you're older doesn't mean travel insurance isn't still important. If you qualify for cover, seniors' travel insurance can offer greater peace of mind for included events while you're travelling.

Adding winter sports or ski cover to your policy can add protection against damage to your equipment, piste closure due to bad weather and activities such as back-country skiing, heliskiing and more.

Adventure sports

Looking to enjoy some adventure sports on holiday? An adventure sports pack can grant you cover for a range of activities, such as hiking, scuba diving and motorcycle or scooter riding.

Jetsetting with the whole clan in tow? Some insurers offer family travel insurance, which enables you to include yourself, your partner and your dependent children under one policy to help you save.

If you're travelling interstate or overseas with your partner (or simply another friend or family member), you may be able to access a discount by taking out a joint or duo travel insurance policy.

Why compare travel insurance with Savvy?

Reputable insurance partners, fast and convenient online process.

You can complete the quote, comparison and purchase process online through Savvy quickly and easily.

Competitive quote costs

Regardless of the type of insurance you’re looking for, we can help you compare between competitive quotes.

Frequently asked questions about ANZ travel insurance

Yes – if you’re diagnosed with COVID-19 during your international holiday, ANZ covers you for overseas emergency assistance, medical costs, cancellation and evacuation costs. If your travelling companion is struck down with coronavirus, you’ll be able to claim any cancellation costs or additional expenses.

Yes – ANZ will cover travellers up to the 26th week of their pregnancy if they become injured or sick during their holiday and give birth. However, no cover is available if you suffer from complications due to your pregnancy or use IVF in an attempt to become pregnant.

Lodging a claim with ANZ on your travel insurance is relatively easy and can be done online. ANZ Global Assistance pays out approved claims, so it’s best to lodge your claim with them. Once you’ve provided all the details surrounding your claim, plus supporting evidence such as medical and police reports of any incidents or receipts, you can submit your claim. It will take about ten business days for a claim form and all necessary documentation to be processed.

There’s no one average cost of travel insurance which you’ll receive, with the price of premiums determined by a unique set of variables including:

• Your date of birth
• Your chosen destination
• The level of coverage you buy
• Any optional extras you need
• Pre-existing medical conditions you need to disclose
• The policy excess you choose
• The type of insurer and insurance policy you buy

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Please Note - If you are cruising around Australia you need to select Pacific. With Regions, variances can apply for Bali, Indonesia, Japan and Middle East. You are not required to enter stop-over countries if your stop-over is less than 48 hours.

If you don’t know where you’re traveling to within the next 12 months, choose Worldwide to ensure you’re covered no matter where you go. If you’re travelling to multiple countries choose the region that you are visiting that is furthest away (excluding stopovers less than 48 hours). In most cases you will be covered for the closer regions as well. For example, if you choose Europe, you will also be covered in the Middle East, Asia and Pacific.

Worldwide means anywhere in the world

Americas means USA, Canada, South America, Latin America, Hawaii and the Caribbean

Europe means all European countries, including UK

Middle East refers to the area from Syria to Yemen; Egypt to Iran

Asia generally means Asia and the Indian subcontinent. For some insurers this excludes Japan*

Pacific means the South West Pacific, Australia and Indonesia/Bali*. Select Pacific for domestic cruises in New Zealand waters

New Zealand means domestic travel within New Zealand only

*Note: Variances apply for Bali, Indonesia, Japan and Middle East. Check that your destination is covered once directed to your chosen insurer’s site.

  Credit Card Travel Insurance | The Truth  

When planning a holiday, oddly, travel insurance is often the first expense to bite the dust with budget-conscious travellers. Utilising complimentary travel insurance offered by your credit card could be the answer, but you’ll need to know the ins and outs. You’ve already paid the credit card annual fee – so why not use the free travel insurance?! Like most insurances, the true value of the policy only becomes apparent when it is time to make a claim, and then…it could be too late. If you fall outside the fine print of a travel insurance policy and the insurer refuses to pay up, what seemed like a bargain at the time, could end up being a daft deal. Cost aside, the most important thing to consider when taking out any travel insurance policy is that you understand what you are covered for and any restrictions that apply. The same applies for ‘free’ credit card travel insurance.

Not all credit cards offer travel insurance

• Firstly, uncertainty around what customers need to do to kickstart their travel cover; and
• Secondly, who is covered under the policy.

Activate your travel cover

• Auto-Activation on Purchase:   In most cases, your travel insurance is automatically activated when making any travel-related purchases on the card, such as flights and accommodation.
• Notify Your Card Provider:  On other cards, you may need to notify your card provider when you wish to activate your travel insurance. ​

Know who is covered

Consider your trip length, other traps to look out for.

The term 'free' does not necessarily mean 'free'. Credit cards that provide ‘complimentary’ travel insurance typically have annual fees ranging from $87 to over $500. If you're a healthy, savvy traveller who takes more than two standard short trips a year, credit card travel insurance could be the winning ticket. When you compare the card annual fee cost to the cost of standalone travel insurance, it may save you some cash. It’s good to weigh up the options but make sure you read the terms of cover paying particular attention to exclusions. Be it business or leisure, there are many affordable options out there for covering your travels. Your focus should be ensuring you have  enough cover for your planned trip.  Use our comparison to instantly compare  travel insurance quotes and levels of cover from 20+ reputable travel insurance companies . 

• Who doesn't love 'free' stuff!?

Activate your 'free' travel insurance

Eugene Wylde

Eugene is the king of insurance! Having spent more than ten years raising awareness on the importance of holiday protection, he is a self-confessed insurance geek extraordinaire when it comes to the world of travel cover. Eugene loves helping people save time, worry and loads of money with the right policy at the right price. His ideal holiday is any one where he has a pina colada in his hand. Salut!

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CoverDirect NZ Limited (INC 3526051) owns and operates this website.

Our comparison is a free service that makes it easy for users to compare multiple quotes, saving both time and money. Our comparison ranks quotes according to price and is limited to those insurers that have agreed to participate on the site. CoverDirect NZ Limited does not hold a financial services licence. The comparison does not take your personal circumstances into account; as such, all information provided should be considered general and should not be considered as advice or a recommendation. Whilst we take all reasonable care when preparing this information, we do not warrant its accuracy. Pricing information is supplied by the insurance providers and ALL policy details should be verified with the before you purchase. This site links users to the website of the insurance provider to verify quotes and access the relevant PDS to understand what is, and is not, covered by a policy prior to purchase. We do not issue insurance. Users purchase directly from the travel insurance provider.

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Credit cards with travel insurance

There is no shortage of credit cards that offer complimentary travel insurance in New Zealand. We help you make the right choice for you.

Home > Credit cards

The breakdown

• Some credit cards have complimentary travel insurance that covers both international and domestic trips.
• Pre-existing conditions are not covered as standard, but many providers let you add them to your existing cover for an additional premium.
• It’s important to review policy documents to ensure the travel insurance offered by a card provider meets your needs.

Author: Kevin McHugh, Head of Publishing at Banked.

In this guide, we look at what we think are some of the best credit cards for travel insurance, and how they compare with the rest of the competition. We look primarily at the travel insurance benefits of each card (what they cover, any excess involved, eligibility, and so on). But we will also cover other card features and fees that are important to factor in when deciding.

Bear in mind that everyone has different requirements for their travel insurance. For you, great coverage for personal baggage may be a priority, while domestic travel cover will be a must-have for someone else. We hope the information we provide here is useful, but it’s important that you consider your own needs and circumstances before deciding.

We cover the high-level benefits of each card’s travel cover, but if you’re looking for more specific detail, be sure to check the relevant policy document — we have included a link to each.

If you’re looking for a more general option, don’t forget to read our credit card comparison guide to find the best one for you.

The best credit cards with travel insurance

We look at some of the best credit cards that include complimentary travel insurance as standard.

1. American Express Airpoints Platinum

The AMEX Airpoints Platinum has a number of advantages over other credit cards when it comes to travel insurance.

Firstly, the cover it offers applies to both international and domestic travel , unlike many other cards that only cover international. This is a feature all AMEX cards with complimentary travel insurance share, while only one other card provider (TSB) offers the same. This is a welcome benefit in a country where many of us love to take regular trips in our own country.

Another advantage of AMEX Airpoints Platinum is the coverage period. Many other cards limit cover to a comparatively short period per trip, such as up to 35 days for the Westpac Airpoints Platinum Mastercard. But for AMEX credit cards, the coverage period is up to a much longer 180 days .

The AMEX Airpoints Platinum is also one of the most feature-packed credit cards, beyond its travel insurance offering. It includes free airport lounge access via Priority Pass, smartphone screen insurance , and the best Airpoints earn rate of any credit card in NZ (to name just a few benefits).

However, bear in mind that those extra benefits come at a price as the card has an annual fee of $195, which is among the higher annual fees for a credit card that offers complimentary travel insurance (see our table further down for a full comparison).

Important points

• Travel insurance eligibility: To be covered, you must pay for your full trip with the AMEX Airpoints Platinum credit card or with Air New Zealand Airpoints.
• Excess: An excess may apply for some claims. This varies with the type of claim, for example, a $100 excess applies for lost or damaged baggage and a $250 excess applies for cancelled travel. Provider: Chubb Insurance New Zealand.

Scope of cover

This is just a selection of what is covered. Check out the AMEX Airpoints Platinum travel insurance policy document for full details.

• Personal baggage: $30,000
• Medical emergency and repatriation: $2,500,000
• Cancellation of journey: $30,000
• Personal liability cover: $2,000,000
• Accidental loss of life: $10,000

Key card details

• Annual fee: $195
• Purchase interest rate: 22.95%
• Interest-free period: 55 days

Other card benefits and features

• Earn Airpoints:  The AMEX Airpoints Platinum has the best Airpoints earn rate of any credit card — earn 1 Airpoints Dollar for every $59 spent. The card also comes with 300 bonus Airpoints Dollars when you sign up and spend at least $1,500 on the card in the first three months. See how it compares with other Airpoints credit cards.
• Free Priority Pass airport lounge access: Get free access to two VIP airport lounges per year. Access is available to over 1,200 airport lounges around the world, including the Strata Lounge at Auckland Airport .
• Smartphone screen cover: Repairs to fix your phone’s screen will be covered automatically. As long as you bought the phone outright with your card, or you use it to pay for your phone plan, you’ll be covered up to $500.
• Earn Status Points: For every $250 spent on the card, you’ll earn 1 Status Point. Status points can be used for travel benefits including lounge access, priority service, seat upgrades, and more.

Learn more in our full American Express Airpoints Platinum review .

2. TSB Platinum Mastercard

The TSB Platinum Mastercard is another strong credit card for travel insurance.

Like the AMEX Airpoints Platinum, it also covers both international and domestic travel. The card’s travel insurance covers the user for up to 90 consecutive days travel, which is not as long as the AMEX card, but will be more than enough for most people.

The TSB Platinum Mastercard has the weakest cover for personal baggage of all cards we assessed (covering up to just $4,000), but it makes up for it in other ways. For example, it offers unlimited cover for medical emergency and repatriation , plus at $90, it has one of the lowest annual fees for an NZ credit card that comes with complimentary travel insurance.

• Travel insurance eligibility: You must purchase at least 50% of your pre-paid travel expenses on the TSB Platinum Mastercard.
• Excess: None.
• Provider: Allianz Partners.

This is just a selection of what is covered. Check out the TSB Platinum Mastercard travel insurance policy document for full details.

• Personal baggage: $4,000
• Medical emergency and repatriation: Unlimited
• Cancellation of journey: $10,000
• Personal liability cover: $675,000
• Accidental loss of life: $100,000
• Annual fee: $90
• Purchase interest rate: 20.95%
• Interest-free period: 55 day

Other features and benefits

• Earn cashback: The card currently has the best cashback earn rate of any card in NZ, with $1 earned for every $80 spent. See how it compares to other cashback credit cards in our guide.
• Mobile phone insurance: Cover against accidental damage or theft of your mobile phone if you pay your post-paid monthly bill or prepaid top-up using the TSB Platinum Mastercard.
• Purchase protection insurance: Benefit from 180 days of cover against theft or accidental damage for items bought on the card.
• Price protection insurance: Get reimbursed for the difference between the price of an item you purchased and the lower price for the same item within 30 days of the original purchase.

3. ASB Visa Platinum

Benefit from up to 90 days of travel insurance on the ASB Visa Platinum.

Unlike the AMEX and TSB cards described above, the ASB Visa Platinum does not cover domestic travel — it only covers international trips . However, the card has a low annual fee of $80 .

The ASB Visa Platinum also performs strongly in terms of coverage, with unlimited cover in some instances, such as for medical and evacuation expenses and cancellation of travel.

As with the AMEX Airpoints Platinum credit card, making a travel insurance claim involves an excess in some cases (in this case you must pay $200).

• Travel insurance eligibility: You must have paid for at least half of your travel on your ASB Visa Platinum in order to be eligible for its travel insurance.
• Excess: An excess of $200 applies for some types of claims.
• Provider: AIG Insurance New Zealand.

This is just a selection of what is covered. Check out the ASB Visa Platinum travel insurance policy document for full details.

• Personal baggage: $20,000
• Cancellation of journey: Unlimited
• Personal liability cover: $2,500,000
• Accidental loss of life: $50,000
• Annual fee: $80
• Purchase interest rate: 19.95%
• Earn rewards: Choose to earn either True Rewards or AA Smartfuel discounts on your spend using the card. See how the ASB Visa Platinum compares to other rewards cards .
• 0% balance transfer: Transfer the balance of another credit card or store card to your ASB Visa Platinum and pay 0% interest for the first six months.

Compare all credit cards with travel insurance

Find out how our picks compare against other credit cards that come with complimentary travel insurance. Most platinum credit cards come with complimentary travel insurance too, so you might what to check out that guide too.

Does credit card travel insurance cover pre-existing conditions?

No, there is no credit card travel insurance that covers pre-existing medical conditions by default.

However, almost all providers allow you to add cover for your pre-existing medical condition by getting in contact with them before you travel. A medical assessment is required and additional cover is not guaranteed.

If you do add cover for your pre-existing condition, you will need to pay a premium.

The ability to add cover for pre-existing conditions (at a premium) is offered by ASB, TSB, ANZ, Kiwibank, and Westpac. The only exception is American Express.

Do I have to contact the card provider to activate the travel insurance?

No. We reviewed the terms and conditions of all currently available credit cards that offer travel insurance and none require you to call them to activate cover. You will be covered automatically as long as you meet the travel insurance eligibility guidelines (typically that you pay for either at least half or all of your trip using the card).

However, it can be helpful to check the terms and conditions of your cover before you rely on it. It may not cover what you want it for (a special sport such as skiing, for example) or you may find that that you do not meet the travel insurance eligibility criteria (you paid for less than half of your journey on the card, for example).

It’s always sensible to ensure your credit card travel insurance meets your needs and that it is available to you if you need it.

Does credit card travel insurance cover domestic travel?

Only some credit cards that come with complimentary travel insurance cover both international and domestic trips. Those are cards offered by American Express and the TSB Platinum Mastercard .

However, it’s worth bearing in mind that contents insurance policies also tend to cover your things when you’re away from home in New Zealand. Some contents insurance policies even cover you for personal liability in some instances. Learn more about what contents insurance can cover in our guide .

Contents insurance can’t replace domestic travel insurance in all respects, but if you do have a policy already, it’s certainly worth checking what cover you have when you are out travelling in New Zealand.

Kevin McHugh

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Travel Insurance

Existing State customers get a 10% discount.*

Use Promo code: STATECUST

*Discount applies to existing State customers and to premiums for the standard policies net of Government levies and GST (if applicable). Discounts do not apply to premiums for cover additional to standard policies or to any minimum premium.

Important information: The  Policy Wording  includes specific information on how State Travel Insurance will respond to claims related to Covid-19.

A range of options for your domestic or overseas travel

Overseas cover & annual multi-trip cover

Your back up when going across the ditch or further afield.

Our cover includes medical and dental expenses* loss or theft of luggage, delayed travel and more. You can also select cover for travel related expenses if you need to change or cancel your trip.

Travel a lot? Take out our annual multi-trip option and you’re covered for as many trips as you like, for 12 months.**

See https://safetravel.govt.nz/ for the latest government advice regarding overseas travel.

Anywhere in NZ

Domestic cancellation.

Covers changes and cancellations outside of your control before you leave and extra expenses due to unforeseen circumstances while you're away. You choose the cover amount.

Domestic Plan

Comprehensive cover that also includes lost luggage, medical and dental expenses, and rental vehicle excess cover.

Inbound Cover Visiting NZ

If you are a non-resident visiting NZ our Inbound policy can cover medical and dental expenses, luggage and travel documents, rental vehicle insurance excess and personal liability.

Travel Cover During Covid-19

Travelling Overseas? Check out our handy scenario-based FAQs explaining how we could cover you if Covid-19 plays havoc with your trip: State Travel Cover and Covid-19 FAQs

Know before you go – our Covid-19 Benefits Destination Guide explains how State Travel cover applies when travelling to different international destinations: Covid-19 Benefits Destination Guide

*Medical cover will not exceed 12 months from onset. Medical and dental expenses cover is limited to $1,500 for treatment provided in New Zealand. This $1,500 sub-limit does not apply to the Inbound Plan.

**For 12 months, over 100km from home, including domestic travel, up to maximum number of days per journey as selected by you.

Get more from your travel insurance

24-hour assistance.

24/7 access to a team of experts with a global network of doctors, nurses, and logistical staff. Cover for emergency accommodation and transport expenses if a disaster like a volcano, tsunami, earthquake, or flood disrupts your journey.

Overseas medical cover

Includes hospital, medical, surgical, emergency dental and ambulance costs. Plus help to arrange treatment and medical evacuation.

Get 10% off when you buy online

*Discount applies to existing State customers and to premiums for standard policies net of Government levies (if applicable) and GST. Discounts do not apply to premiums for cover additional to standard policies or to any minimum premium.

Quick online claims

You can claim  online  while you are travelling.  Find out more

Earn Flybuys™ on every policy you have with State. Don’t forget to  register your Flybuys  number with us, as we’ll also give you chances to get bonus Flybuys throughout the year too. Sweet.

The policy type you choose changes what you are covered for.

Select cover option:

International

Single Trip or Annual Multi-Trip

Limit per adult unless stated otherwise

Up to $1,500 for emergency dental expenses

Up to $1,000 per month

This is only a summary of the benefits provided. Please refer to the Policy Wordings for details of the cover provided.

Limit per adult

Up to $2,500 for personal vehicle insurance excess

Up to $250 per month

Single Trip

Limit per person

(choose the amount of cover that suits, on a per person basis)#

Not included

If you or your travelling companion are diagnosed with Covid-19 by a qualified medical practitioner and are unable to travel, you can claim cancellation or amendment costs for your prepaid trip up to a benefit limit of $10,000 per policy on an International Plan or $5,000 per policy on a Domestic Plan or if applicable, up to the level of cover purchased for cancellation (whichever is lower). There is also no cover if symptoms or diagnosis occurred prior to buying your policy. See the Policy Wording .

*Medical and dental expenses cover will not exceed 12 months from onset of the medical condition. Medical and dental expenses cover is limited to $1,500 for treatment provided in New Zealand. This $1,500 sub-limit does not apply to the Inbound plan.

^ Cover chosen applies per policy. See the Policy Wording .

• Item limits applies for anyone item, set or pair of items including attached or unattached accessories. You may increase these item limits if you wish. See the Policy Wording .

No cover for trip cancellation costs for trips commencing within 21 days of policy purchase date if you test positive to COVID-19 and cannot travel. If your COVID-19 related cancellation claim is approved, then the maximum we will pay per policy is $5,000 for international trips and $2,500 for Domestic trips. See the Policy Wording .

# You can choose $200, $400, $800, or $1,500.

~ The maximum liability collectively for Sections 14, 15, and 16 is $15,000 International Plan, and $10,000 Domestic Plan.

This is only a summary of the benefit provided. Please refer to the Policy Wording . For details of the cover provided. Please read the entire document carefully to understand what the relevant policy covers. Importantly, please note that conditions, exclusions, limits and sub-limits apply, and this summary of benefits table may change at any time.

Our State Travel Insurance  contains benefits relating to the Covid-19 pandemic. While your Policy Wording  may respond, your claim remains subject to the terms and conditions, limitations and exclusions set out in the Policy Wording . Please ensure you familiarise yourself with these in the Policy Wording before taking out travel cover. For Covid-19 cover to apply, you must not travel to a destination on the "Do not travel" list issued by SafeTravel.govt.nz .

Domestic Policy FAQ's

Why buy state domestic cover.

Our Domestic and Domestic Cancellation plans are for New Zealand residents travelling within New Zealand.

More than one third of domestic travellers experience an unexpected circumstance that can leave them out of pocket.

It doesn’t matter if you are travelling to Auckland or Amsterdam, if your child becomes unwell and you need to cancel your trip, it’s good to know you’re covered.

Specific terms, conditions and exclusions apply to Covid-19. See our State Travel Policy Wording for full details.

Here are some examples of real-life stories

• An airline lost a customer’s suitcase and the items were not recoverable Luggage Value: $2,500
• A customer’s rental vehicle was written off after a third-party collision Rental Vehicle Insurance Excess: $4,000.

Here are some examples of types of claims

Medical claims*

• Sprained limbs or broken arm, leg, wrist due to outdoor activities
• Asthma, seizure, stroke, heart attack
• Swimmer's ear/ear infection.

*Pre-existing medical conditions must be declared, and extra cover purchased under Domestic Plan prior to departure

Your cancellation costs prior to travel

• Prepaid deposits on motorhome rentals, scenic train, or ferry tickets
• Prepaid fares for rail trips, adventure holidays and cruises
• Costs for cancellation due to redundancy, illness, injury, and medical operations.

Cancellation prior to departure will result in the loss of deposits paid and in other instances full cancellation fees often apply.

Delayed travel

• Travel delays due to weather e.g. snowstorms and fog delaying connecting flights.

Luggage claims

• Broken cameras, smartphones and electronic items
• Lost spectacles, hearing aids and damaged dentures.

What Domestic options are available?

We offer 3 Domestic plan options to choose from and these can be purchased quickly and easily on our website.

Domestic plan (Single Trip Policy or Annual Multi-Trip Policy)

Our Domestic plan (Single Trip Policy and Annual Multi-Trip Policy) is our most comprehensive domestic plan.

The Domestic plan Annual Multi-Trip Policy is sometimes a more suitable option for those travellers who are planning to travel more than twice this year and for no longer than 30 days at a time within New Zealand.

Domestic Cancellation plan Single Trip Policy

Our Domestic Cancellation plan covers domestic travellers for cancellation cover only and you choose the cancellation cover limit to best meet your needs when you purchase your policy.

What activities are covered?

There are plenty of fun activities to do around New Zealand year-round, and we have a comprehensive list of activities which are covered under our Domestic plans (excludes Domestic Cancellation Plan).

Our plans automatically include:

• Bungy Jumping
• Horse Riding
• Jet Boating
• Paragliding
• Parasailing
• Snorkelling
• White Water Rafting

Other activities may be covered as an add-on to your Domestic plan (excludes Domestic Cancellation plan). See our State Travel Policy for full details.

What cover is available for Skiing and Snowboarding?

Because being on the snow and participating in winter sports activities often increases the risk of injuries or incidents, you'll need to ensure you amend your Domestic plan (excludes Domestic Cancellation plan) to include snow activities like skiing and snowboarding by purchasing a winter cover (snow sports) upgrade. This can help protect you against unforeseen costs should you have a mishap on the slopes and need medical assistance. Sporting and ski equipment are not covered whilst in use and if you are a New Zealand citizen, ACC may cover some costs due to injury caused by an accident.

You will only be covered if you have purchased the Domestic Plan with the winter cover (snow sports) upgrade and:

• You are skiing, snowboarding or snowmobiling on-piste, or cross-country skiing;
• You are not participating in a Professional capacity; and
• You are not racing.

Note: sporting and ski equipment are not covered whilst in use.

What if I travel frequently in NZ, do you have a multi-trip option?

Multi-trip travel insurance may save you time and money. If you are planning to travel more than twice this year and for no longer than 30 days at a time within New Zealand, consider our Domestic Plan Annual Multi-Trip Policy.

Can you explain the rental vehicle insurance excess?

This benefit applies to our Domestic Plan (excludes Domestic Cancellation Plan) and covers the rental vehicle excess if your rental vehicle is stolen, or damaged while you are driving. You will still need to take out rental vehicle insurance.

A $4,000 rental vehicle excess cover can save you money if you need to make a claim.

Note: that your rental agreement may still require you to take out rental vehicle insurance.

If you are driving your personal vehicle on your domestic holiday there is bonus cover of $2,500 for your comprehensive vehicle insurance excess.

What does the medical cover provide for?

Our Domestic Plan D *(excludes Domestic Cancellation Plan) can provide you with cover for unexpected medical and dental expenses up to $1,500. This is for treatment provided in New Zealand.

It only applies up to 12 months from when you suffered a disabling injury, sickness, or disease. Travel insurance protects you from unforeseen events. Routine medical or dental treatments, prenatal visits and continuation of treatments are not covered.

What existing medical conditions are covered?

We automatically cover a range of existing medical conditions (EMC) under the Domestic plan (excludes Domestic Cancellation Plan). Automatically covered conditions include - asthma, epilepsy, gastric reflux and more! Read the State Travel Policy Wording for a full list of the conditions we automatically cover. If your existing medical conditions are not all automatically covered, you may complete an online medical assessment to determine if cover is available. Other travel insurance benefits unrelated to your EMC still apply, even if cover cannot be provided for your specific condition/s.

*Medical cover will not exceed 12 months from onset. Medical and dental expenses cover is limited to $1,500 for treatment provided in New Zealand. This $1,500 sub-limit does not apply to International or Inbound Plans.

Before you travel

Travel safety.

Find out more information about events that may affect you when you travel.

Travel tips

Our team of intrepid Kiwi travellers have come up with a list of handy travel tips to help make your holiday even better.

Limits, sub-limits, conditions, and exclusions apply. Standard excess may apply. State Travel insurance is administered by Cover-More NZ Ltd, underwritten and issued by Zurich Australian Insurance Limited (ZAIL) incorporated in Australia, ABN 13 000 296 640, trading as Zurich New Zealand. For further information see Zurich New Zealand’s financial strength rating . Any advice is general advice only. Consider the State Travel Policy Brochure and wording therein before deciding to buy this product. IAG receives a commission for the issue of State branded travel policies arranged through Cover-More (NZ) Limited ("Cover-More"). IAG New Zealand Limited ("IAG"), of which State is a business division, is not the insurer. IAG does not guarantee Zurich New Zealand or Cover-More.

See how we could help you on your journey to financial wellbeing.

Whether you’re looking to buy your first home, your next home or pay off your loan faster, we can help with practical tools, guides and great rates.

1 year fixed-rate special*

Rate is unavailable

18 months fixed-rate special*

Floating rate.

*Special interest rate requires minimum 20% equity and an ANZ transaction account with salary direct credited, otherwise standard rate applies. Not available with package discounts.

ANZ lending criteria, terms, conditions, and fees apply. Interest rates and fees are subject to change.  

Scams are on the increase

Scams keep getting more complex, sophisticated, and harder to spot. Learn how to recognise scams and fraud, and help protect yourself, your family and your money from them in our new Scams and Fraud Guide . 

How we can help with financial wellbeing

Financial wellbeing starts with knowing your score.

Realising your longer term financial goals requires understanding where you’re at right now. Ready to see how you're doing?

Get your savings off the ground

Set yourself a plan because sure and steady wins the savings race. Find out how to create your savings goals.

Pay off your home loan faster

It's all about small changes, like how you structure your loan, or how you repay it, it all adds up. See how ANZ and our Home Loan Coaches can help.

Personalise your ANZ Visa Debit card

Choose from your favourite selfie, a photo of your pet or choose from one of our gallery images — to create a personalised ANZ MyPhoto Visa Debit card — . It's easy and fun to create.

You must be 13 years or over to apply for an ANZ Visa Debit card.

How we make banking easier

We have lots of ways for you to manage your money anytime, anywhere, with the ANZ goMoney mobile app, Internet Banking and Automated Phone Banking — .

Whether that's checking your balance, moving money between accounts or making payments, you can do your banking where and when it's convenient for you.

Important information

This material is for information purposes only. We recommend seeking financial advice about your situation and goals before getting a financial product. To talk to one of our team at ANZ, please call 0800 269 296, or for more information about ANZ’s financial advice service or to view our financial advice provider disclosure statement see  anz.co.nz/fapdisclosure