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

 

How an inquest into one stillbirth is saving lives

A ground-breaking court case that has focused solely on one stillborn baby has already helped to save the lives of other babies.

Get them into reading early with a Nouk book subscription

There's no bonding activity quite like reading to your baby or toddler, and all the signs point to it being important for social and literacy development as well.

I don't want my husband to go on a buck's trip

My husband's best friend is getting married and has planned a men's bachelor party.

The celeb parents who needed a mediator to stop fighting over baby names

Deciding on a baby name can be a fraught experience for many parents.

May Gibbs' 'Gumnut Babies' turns 100 with a special edition, coins, stamps and more

It's time to celebrate the centenary of May Gibbs' very first book release, Gumnut Babies.

African baby names

We have some absolutely gorgeous selections of African baby names for you to consider for your baby.

The mum who retrained to became a plumber

One company refused to give her an apprenticeship because they believed she would be too much of a distraction to the males. 

Meningococcal meningitis: signs, treatment and prevention

What is meningococcal meningitis, why does it occur in seasons, and why does it strike fear into the hearts of so many?

I was scared of the dentist ... and my son paid the price

It was a moment where I could certainly learn from his behaviour, and not him from mine.

Family of toddler killed by alligator at Disney honours his third birthday

The family told supporters that they wanted to celebrate the boy's "first birthday in heaven".

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.

7 tips to help you prepare your home for parenthood

Prep your home to make becoming a new parent as stress-free as possible.

Fatherhood to the beat of Daniel's drum

Daniel Gibney knew fatherhood would change him, but he didn't realise it would lead to a global business venture for his family.

A case of gastro and the mummy mean girls

I don't blame any first-time mother who is terrified of her or her baby catching gastro, but it will find you eventually.

Zooey Deschanel's cake smash fail for daughter Elsie

"I kept seeing on the Internet, 'You gotta make a smash cake for your one-year-old,' so I'm like, 'I'm making this cake just so she can smash it.'"

Five things mums should never do

Although I preach the "each to their own" method of parenting, it's unavoidable to have those moments of panic.

Mum allegedly 'groped' while holding toddler in Sydney pool

A mum has told of her horror after she was allegedly sexually assaulted while at a swimming centre with her two young children.

'It whacked me': Michelle Bridges on sleep deprivation and returning to exercise

Michelle Bridges knows a lot about health and fitness, but when she became a mum she had to learn a few lessons the hard way.

 
Advertisement
 

Top 5 Articles

Advertisement
 
 
 

What's hot on EB

Win a Hawaii beachfront resort holiday for two!

Enter now for your chance to win 1 of 4 trips for two to Hawaii, staying at Outrigger resorts in Waikiki.

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.

 

Vintage Toys

The toys of your childhood

Take a trip down memory lane with these vinage and retro toys that you may have had in your childhood or your parent's childhood.

 
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.