Jump to content

ANZ platinum credit cards travel insurance


  • Please log in to reply
18 replies to this topic

#1 Lees75

Posted 23 July 2013 - 10:40 PM

Is the travel insurance that comes with the platinum ANZ Amex sufficient?

#2 planejane

Posted 23 July 2013 - 10:49 PM

Read the PBS, and then re-read the PBS.

We had travel insurance through ANZ Visa Platinum.  Because we didn't pay our airfares with the card we were not considered covered.

Cost us +$6000.

Be wary.

#3 Mrs Darcy

Posted 23 July 2013 - 11:01 PM

We used it last year and it was very similar to other companies that I had compared it to. I was a little sus initially as it was free, but iI spoke to ANZ over the phone and then they sent me the info out in the mail a couple of days later. It seemed more than sufficient for us. You could download the PBS and just be aware of pre existing conditions.


#4 eachschoolholidays

Posted 23 July 2013 - 11:37 PM

I have claimed twice on our CBA insurance- once for a trip cancelled due to illness and another time for a stolen handbag. No issues. Covered part from a standard $200 excess.  

Make sure you check how much of your holiday you need to have booked on your credit card.

#5 kh79

Posted 23 July 2013 - 11:43 PM

We are away at the moment using this ANZ insurance.  I looked at it thoroughly before I went.

You have to have booked at least $250 worth of travel on your credit card.  It has to be travel that is dated and can only be specific type of travel costs (airfares, hotel, train tickets with dates etc)

The length of your trip must be less than 6 months.

Otherwise it is a very good insurance.

#6 SeaPrincess

Posted 24 July 2013 - 10:29 AM

We made a claim on ours last year when DH was too sick to fly home.  As PP said, you have to book at least $250 of your travel on the card to activate the insurance. In order to be covered, you also still have to have the account active/open at the time of travel.  When I sent off the claim, I sent copies of the statement showing the booking and the most recent statement, which also showed tha expenses I was claiming - medical, accommodation and flight amendment fees.

When we were booking I called them to make sure we'd be covered for all parts of the trip even if we booked connections separately because otherwise I would have booked through a travel agent, but they were fine.

#7 dadwasathome

Posted 24 July 2013 - 10:32 AM

It worked fine for us last year when it covered a range of cancellations and business class upgrade for medical reasons.

But, as others have said, check the provisions as they relate to your possible needs, and check that you meet the pre-conditions.

#8 PixieVee

Posted 24 July 2013 - 10:35 AM

Where are you going? Do they accept local hospitals as acceptable or will they transport you to proper care?

#9 GeminiSix

Posted 24 July 2013 - 10:42 AM

We "used" this as our travel insurance for our trip to Thailand last year - but we didn't need to make a claim.

As PP's have said, just read the PDS to make sure you meet all eligibility criteria to activate the cover.  

Another point to remember is that you don't get a policy number to give the Emergency Assistance Line if you need to call up to make a claim to prove that you meet the eligibility criteria.  In order to receive Emergency Assistance, you need to provide a copy of your statement showing that you have booked the minimum amount of travel on your credit card.  That means, that if you are overseas and require immediate assistance (for example, if you have an accident and require hospitalisation, medical evacuation etc), you need to be able to provide this proof to the underwriter (QBE) before they will assist you. When I rang to query this before the trip, they advised me to leave a copy of my statement showing my qualifying purchases with somebody at home so that they can immediately fax/email it to QBE in the event I needed to claim while overseas.

Edited by GeminiSix, 24 July 2013 - 10:45 AM.


#10 secret~sammy

Posted 24 July 2013 - 10:43 AM

QUOTE
Read the PBS, and then re-read the PBS.


I second this. I've used the travel insurance on a different banks credit card before and was quite happy but they did have some rules and conditions that we could have been tripped up by if we hadn't known about them (such as if we'd flown home separate, which we were considering, we wouldn't all have been covered)

#11 dadwasathome

Posted 24 July 2013 - 10:43 AM

My eye surgery could have been done in Malaysia, but I was transported business class back to Sydney.

Mind you, the alternative would have been a 30 day stay in Malaysia, so they saved money by bringing me back.

#12 2bundles

Posted 24 July 2013 - 04:22 PM

I have read the PDS thoroughly and we have relied on the ANZ platinum insurance several times.  As pp said, you don't need to put airfares on it, but you do need a minimum spend on accom/tours etc to be covered.

#13 Lees75

Posted 24 July 2013 - 08:30 PM

Thanks everyone:)

It's looking pretty good, I think. We are going the the USA and I was planning on putting the whole trip on my card so I can get the FF points- lol!

#14 SeaPrincess

Posted 28 July 2013 - 06:57 PM

For the US, I'd take out separate travel insurance.

#15 Lees75

Posted 28 July 2013 - 08:00 PM

 SeaPrincess, on 28 July 2013 - 06:57 PM, said:

For the US, I'd take out separate travel insurance.
Why is that?

#16 SeaPrincess

Posted 28 July 2013 - 08:09 PM

When I claimed on the ANZ insurance, I had to pay for everything then claim back, which wasn't a major issue for a one day delay in travelling home from Thailand, but financially, I don't know if I could do it that way for something major in the US, especially with the time taken for the payment as well.  When I broke my leg in Africa, my travel insurance company told me not to pay for anything (despite the doctor trying very hard to make me pay!) and when I got home to the UK, I only paid my £50 excess.

Also, from memory, I don't think the limits are as high with the ANZ insurance as with some of the comprehensive policies.

Edited by SeaPrincess, 28 July 2013 - 08:09 PM.


#17 neyrie

Posted 02 August 2013 - 04:48 PM

SeaPrincess I'm guessing something to do with the medical side of things in the US, the costs are phenomenal!! That mockumentary "sicko" is truer than people realise (and only a tiny sliver of what can happen).

#18 GreenCabbage

Posted 03 August 2013 - 02:17 PM

Good question Lees. I have booked my whole cruise on my and was wondering if it would be sufficient. Last yr I was going to have to for Hong Kong but t the last minute I booked additional cover just in case. By last minute we were t the airport about to go through departures.

Didnt have to claim.

#19 TobiasFLK

Posted 03 August 2013 - 02:34 PM

I went to US with it.

Medical cover matched competitors anyway so don't see the problem.




0 user(s) are reading this topic

0 members, 0 guests, 0 anonymous users

 

What you need to know about ovulation tests

Most people who are trying to get pregnant know that the best time to conceive is in the few days after ovulation.

Surviving a miscarriage at sea

A cruise with your family is among the most absurd settings for a miscarriage, but it is certainly not the worst.

Mum of three denied tubal ligation because she's 'too young'

A 22-year-old woman who is pregnant with her third child has had her requests for a tubal ligation denied because doctors believe she is too young.

Slapped cheek syndrome a danger for pregnant women

When a pregnant woman is infected, the likelihood that her foetus will be infected is about 50 per cent.

The signs and symptoms of ovulation

If you're hoping to conceive, one of the most important things you need to know about is ovulation.

We all know 'mum guilt' - but what about 'dad guilt'?

I remember the first time I felt mum guilt, within days of having my first child. The feeling was so intense I rang my own mum to debrief, hoping she'd tell me I wouldn't feel this way very often.

Kristen Bell urges mums to be their own superhero

When it comes to motherhood, actress Kristen Bell is her own superhero and she thinks other mums should be too.

Pram review: GB Pockit travel stroller

In a world of ever-shrinking gadgets, it's no surprise prams are getting smaller. We put the record-holding GB Pockit through its paces.

The beautiful Bombol Bouncer is back

The gorgeous Bombol Bouncer is back - and boasts two chic new colours to boot.

Gadgets and accessories for wine lovers

Looking for a gift for the wine lover in your life - or just something for yourself?

Free ticket offer

Pinky Mckay joins us again at the Essential Baby & Toddler Show presented by Blackmores with her expert baby settling advice. Register now for your free ticket.

The adventure doesn't have to stop: here's how to travel with baby

The best part about our outdoor adventures? It makes my husband and I better parents, since we're happier while adventuring.

Woman crashes car to save mum and baby's life

A good samaritan saved a mother and baby from being seriously injured by crashing her own car into theirs.

Should you tell your boss about your postnatal depression?

Returning to work after having a baby can be daunting, and when you're experiencing postnatal depression or anxiety it can seem even more overwhelming.

TV noise can slow toddler word learning, study finds

Background noise from the radio or TV might be making it harder for your toddler to learn learn new words.

Teresa Palmer on her molar pregnancy and 'unsexy' conception

Teresa Palmer is basking in pregnancy glow as she awaits the arrival of her new baby.

 
Advertisement
 

Top 5 Articles

Advertisement
 
 
 

What's hot on EB

For the festival lover in all of us

Pre-book & Save 50%. Get your tickets now for Kidtopia Festival. 7-9 October 2016 Parramatta Park, Sydney.

Why drinking water can be deadly for babies

H2O is one of the necessities of life, but for babies a seemingly harmless amount of water can be fatal.

5 ways having a baby is different when you have older children

So much parenting advice is geared towards having your first baby, but what's it like having a baby when you already have children?

You can now make your own plush Falkor

Fans of The NeverEnding Story – of which there are certainly plenty – went crazy for these plush Falkors when they first went on sale last year.

Baby steps

10 things that will actually happen after having a baby

I thought I had prepared myself for motherhood. Then my baby girl arrived and knocked everything flat.

Having a baby: expectations vs reality

People love to warn you about what to expect when having a baby, but they can be way off when it comes to the reality.

Are we having fun yet? Thinking positively as a parent

Motherhood is wonderful ... except when it sucks.

The adorable smile of a baby seeing his mum clearly for the first time

There is no doubt seeing their child smile for the first time is an unforgettable moment for parents everywhere.

When breastfeeding doesn't go with the flow

Breast is best, except when it's not. And in our case, it most definitely wasn't.

'If you don't vaccinate your kids you're a bloody idiot'

The photos are heartbreaking and almost too difficult to look at, but Kayley Burke is begging other parents to take notice.

Why pregnant women should eat chocolate

In news that will make expectant mums jump for joy - and reach for a block of Cadbury - scientists have revealed chocolate could provide health benefits during pregnancy.

The baby born with an incredible head of hair

If you're in any way challenged in the follicle department, prepare to feel a jolt of envy - at a two-month-old baby.

The push for Medicare to fund lactation consultants

While meeting with a lactation consultant can make an enormous difference to a new mother, it's not a service that is available through the public health system.

Parents, this is how to cut grapes to avoid choking

One mum has learnt a harrowing lesson about the best way to cut grapes to make it safe for toddlers and little kids to eat.

Three truths about C-section mums

Lately I've been thinking about the caesarean stories and the brave women who birth their children with strength and beauty.

Help! My baby will only sleep in my arms

It's stressful to be the one who is holding your baby most of the day, but it's even more stressful to wonder, 'am I doing something wrong? Or am I creating bad habits?'

 

Free ticket offer

Essential Baby & Toddler Show - Sydney

The Essential Baby & Toddler Show, presented by Blackmores, will be held in Sydney on 23-25 September. Register for your free ticket now to save $20!

 
Advertisement
 
 
Essential Baby and Essential Kids is the place to find parenting information and parenting support relating to conception, pregnancy, birth, babies, toddlers, kids, maternity, family budgeting, family travel, nutrition and wellbeing, family entertainment, kids entertainment, tips for the family home, child-friendly recipes and parenting. Try our pregnancy due date calculator to determine your due date, or our ovulation calculator to predict ovulation and your fertile period. Our pregnancy week by week guide shows your baby's stages of development. Access our very active mum's discussion groups in the Essential Baby forums or the Essential Kids forums to talk to mums about conception, pregnancy, birth, babies, toddlers, kids and parenting lifestyle. Essential Baby also offers a baby names database of more than 22,000 baby names, popular baby names, boys' names, girls' names and baby names advice in our baby names forum. Essential Kids features a range of free printable worksheets for kids from preschool years through to primary school years. For the latest baby clothes, maternity clothes, maternity accessories, toddler products, kids toys and kids clothing, breastfeeding and other parenting resources, check out Essential Baby and Essential Kids.