Complete Guide to ANZ Travel Insurance in New Zealand

Wise

18.07.24

9 minute read

hether you’re going abroad for studies, a job, or a holiday, unexpected events can pop up while travelling. It could be flight delays, trip cancellations, lost bags, accidents, or medical emergencies. With travel insurance, you can have peace of mind and be protected against unforeseen difficulties like these abroad.

Many travel insurance service providers in New Zealand offer packages to residents. The popular bank, ANZ, offers comprehensive overseas travel insurance to ANZ Airport Visa Platinum credit card holders.

If you currently have an ANZ Premium card like the Airport Visa Platinum credit card, or are looking to get one, read on to learn more about the travel insurance the bank offers. Plus, check out how the Wise Travel Card can save you from high exchange rates or transaction fees that other cards may have when travelling abroad.

What is ANZ Travel Insurance in New Zealand?

The ANZ Airport Visa Platinum is a credit card the bank offers its customers in New Zealand. The card comes with a range of benefits, including complimentary overseas travel insurance for cardholders and their families.

It's important to note that ANZ doesn’t have a separate travel insurance product that residents can purchase when they want to travel overseas. So, if you don’t have an ANZ Airport Visa Platinum credit card, you are ineligible for ANZ travel insurance.¹

In addition to being a cardholder, you may need to meet additional requirements to qualify. Let’s check out the ANZ travel insurance eligibility criteria.

ANZ Travel Insurance Eligibility

Here is how to be eligible for ANZ travel insurance:²

You are a New Zealand citizen or resident.
You must hold a return travel ticket for your overseas travel before you leave New Zealand. Your return date should be within the applicable time limit (90 consecutive days).
You must be an ANZ Premium cardholder when booking your travel and the entire journey.
You must have booked your travel in one of the ways described under the heading “How you can activate this insurance policy for your travel” on the website.

You can check for your eligibility for coverage at www.checkyourcover.co.nz.

ANZ can request additional documents, such as your passport, residency visa, travel booking receipts, and other documents relating to your ANZ Premium card account.

How can you activate an insurance policy for your travel?

Here is how to activate your travel insurance policy with the ANZ Premium card:³

You must use the ANZ Airport Visa Platinum to book at least 50% of your prepaid travel expenses.
Alternatively, if the payment gateway does not accept an ANZ Premium card, you must purchase at least 50% of your prepaid travel expenses using one of your ANZ accounts.
You can book your trip using points from a loyalty or rewards scheme. In that case, you must use your ANZ Premium card for at least 50% of your prepaid accommodation or other travel itinerary items.
You can still qualify for your ANZ travel insurance if your trip has been gifted, won, or purchased for you. In that case, you must call the ANZ Customer Care Team on 0800 499 666 on weekdays between 8:30 a.m. and 5 p.m.

ANZ has a maximum period of 90 consecutive days of insurance coverage for each trip. If your trip is longer than 90 days, you become entirely ineligible for coverage under the policy, even for the first three months of the trip.

Once abroad, if you need more time on your trip, you can extend your insurance coverage. Contact ANZ for details.

Types of ANZ Travel Insurance Benefits

ANZ Premium Card overseas travel insurance covers the following events.⁵

Travel Disruptions and Cancellations	Maximum Benefits Allowed
Journey cancellation	No limit
Additional expenses	No limit
Travel delays	$15,000 NZD
Journey resumption	$10,000 NZD
Epidemics or pandemics	No limit

Medical Expenses	Maximum Benefits Allowed
Medical repatriation	No limit
Medical repatriation due to a terrorist attack	$250,000 NZD
Emergency dental treatment	No limit
Hospital cash	$5,000 NZD
Search/rescue from a natural disaster	$20,000 NZD
Funeral expenses	$25,000 NZD

Life Benefits	Maximum Benefits Allowed
Death by accident or permanent total Disability for adults	Adults - $100,000 NZD
Death by accident or permanent total Disability for dependent children	$10,000 NZD
Death by accident or permanent total disability due to a terrorist act	$25,000 NZD
Loss of income due to an event	$12,000 NZD

Loss of baggage, personal valuables, money, and travel documents	Maximum Benefits Allowed
The total limit for personal baggage compensation	$30,000 NZD
General term limit for personal baggage	$2,000 NZD
Valuables like portable computers or cameras	$5,000 NZD
Emergency Baggage	$1,500 NZD
Replacing travel documents	$5,000 NZD
Personal money loss	$500 NZD

Rental Vehicle Excess	Maximum Benefits Allowed
Rental vehicle excess	$6,000 NZD
Personal Liability	Maximum Benefits Allowed
Personal liability	$2,500,000 NZD
Defence costs, including wrongful arrest	$13,000 NZD
Kidnapping/Ransom Payment	Maximum Benefits Allowed
Kidnap and ransom extortion	$250,000 NZD
Accident Insurance	Maximum Benefits Allowed
Transport accident insurance	$1,000,000 NZD

ANZ Premium overseas travel insurance does not cover any pre-existing medical conditions and medical expenses are not covered for people over the age of 75.

Types of ANZ Travel Insurance Packages available

ANZ offers complimentary overseas travel insurance to ANZ Airport Visa Platinum credit cardholders. Unlike other travel insurance providers, the bank doesn’t provide different types of packages depending on your trip and destination. Instead, there is a single package with comprehensive coverage.

All you need to be eligible for ANZ overseas travel insurance is to have an ANZ Premium card and book your travel and other travel-related expenses with it.

If you’re new to ANZ, here is how to apply for an ANZ Airports Visa Platinum card:⁶

Access the ANZ Personal Credit card webpage and choose Airports Visa Platinum.
Click on “Apply for ANZ Airports Visa Platinum.”
Ensure you’re eligible and will qualify for a credit card.
Prove your identity by providing the necessary documents.
Provide your financial details, such as income, assets, and expenses.
ANZ will contact you within five working days.
ANZ can seek additional information if necessary.
You will receive your ANZ Airports Visa Platinum Card with built-in overseas travel insurance on approval.

The annual fee for an ANZ Airports Visa Platinum card is $150 NZD, and your minimum credit limit will be $8,000 NZD.

How to apply for ANZ Travel Insurance

ANZ Travel Insurance is available with your ANZ Airports Visa Platinum credit card, so you don’t need to apply for travel insurance separately. However, you must check your eligibility:⁷

Visit the ANZ Overseas Travel Insurance webpage.
Enter your card details.
Select your card type: Visa Airports Platinum.
Provide information on your travel, such as dates, countries you intend to visit, number of dependents accompanying you on your trip, and for purpose.
Please note that you must pay for at least 50% of your prepaid travel expenses using the ANZ Airport Visa Platinum.
You’ll be provided with the eligibility outcome.

Keep in mind that though insurance coverage is available on your ANZ Airports Visa Platinum card, you must activate it before your travel dates.

Making an ANZ Travel Insurance Claim

If you have ANZ travel insurance, in most cases you’ll have to pay expenses upfront and then file a claim to be reimbursed. Here’s how you can file a claim online with ANZ:⁸

Access the ANZ Travel Insurance online claims portal.
You will need supporting documents verifying your claim, such as original receipts and invoices.
Provide your policy details, including your credit card number, personal details, trip information, and documents.
Provide your bank account information to enable payment of your claim.

Once you submit your claim, you’ll receive an acknowledgment. The claim management team will contact you within ten business days with an approval decision or if they need more paperwork.

ANZ Travel Insurance Emergency Assistance

Allianz Partners provides emergency assistance to ANZ Premium Card travel insurance customers 24/7 365 days a year.⁹

If you have activated your travel insurance policy, are overseas and need emergency assistance, contact Allianz Partners. Medical and travel assistance is available worldwide. You can make a reverse charge call to: +61 7 3305 7194. Provide your name, ANZ credit card details, overseas contact number, and policy number (if applicable and available).

ANZ Travel Insurance Contact Details

You can contact ANZ Travel Insurance using the following methods:¹⁰

Allianz Partners Customer Care - 0800 499 666 (Monday to Friday, between 8.30 a.m. and 5.00 p.m.) for general questions
Claim Inquiries - Contact the Allianz Partners Claim Team at 0800 499 666 (weekdays between 8.30 a.m. and 5.00 p.m.)
Email - anzcardclaims@allianz-assistance.co.nz

Meet Wise: Manage Your Money Abroad Hassle-free

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Wise uses smart tech to make purchases safe and easy. The Wise travel card lets you tap, swipe or pay with Google Pay or Apple Wallet in over 150 countries. So whether you’re country hopping or taking a last minute detour, Wise has you covered.

Plus, you get free cash withdrawals from ATMs up to $350 NZD.

Join Wise today and see how much easier your trip can be with the Wise Travel Card.

ANZ Travel Insurance - Frequently Asked Questions

Who underwrites ANZ travel insurance in NZ?

The Hollard Insurance Company Pty Ltd underwrites ANZ Premium Card Overseas Travel Insurance. AWP Services New Zealand Limited, trading as Allianz Partners, issues and manages ANZ Premium Card overseas travel insurance.
Can I extend or upgrade my ANZ Travel Insurance policy while travelling overseas?

You may extend your travel insurance after starting your trip, but you will need to contact ANZ. The bank might agree to additional coverage for illnesses or medical events, subject to a medical assessment and an additional premium payment.
Can you get an automatic extension under any special circumstances?

Yes, you can get an automatic extension if, during the insurance period, you’re prevented from returning to New Zealand for the following reasons.
You are declared medically unfit to travel by a registered practitioner because of an illness or injury experienced during the trip OR
Your transport experiences an unexpected delay, resulting in your homeward journey being completed outside the insurance period.

Under these circumstances, ANZ can extend your coverage by six months to enable you to complete your journey.
Does this ANZ travel insurance cover pre-existing medical conditions?

Generally, ANZ Premium travel insurance does not cover pre-existing medical conditions. However, you may get coverage for such conditions subject to a medical assessment and an additional premium payment. Please note that you must complete the medical assessment before starting your journey.
Does the ANZ Premium Overseas travel insurance cover if you test positive for COVID-19 in the destination country?

Yes, it covers illness from COVID-19, provided that you didn’t catch it in a country that the New Zealand government warned not to travel to due to COVID risks.
Is the ANZ Premium Overseas travel insurance available for travel within New Zealand?

No, This travel insurance coverage applies to overseas international travel alone. It does not cover domestic travel within New Zealand.

Please see the terms of use and product availability for your region or visit Wise fees and pricing for the most up-to-date pricing and fee information.

Sources used for this article:

Sources verified on 7 July 2024.

*Please see terms of use and product availability for your region or visit Wise fees and pricing for the most up to date pricing and fee information.

This publication is provided for general information purposes and does not constitute legal, tax or other professional advice from Wise Payments Limited or its subsidiaries and its affiliates, and it is not intended as a substitute for obtaining advice from a financial advisor or any other professional.

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