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

View PostSeaPrincess, 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

 

Eight things to do as your due date nears

The home stretch of pregnancy can seem like an eternity. But there are some constructive ways that you can pass the time.

Lily Allen takes Twitter break after taunts about stillborn son

Singer Lilly Allen has announced that she is taking a break from Twitter after she was subjected to hateful trolling over the weekend about her stillborn son.

1756 questions a day: What's a mum to do?

There was a time when I thought that waterboarding was the most serious torture threat facing civilisation. Then my toddler started asking me questions.

Nick Cannon welcomes baby boy with a 'Golden' name

Rapper, actor and former America's Got Talent star, Nick Cannon, has welcomed a baby boy with actress, Brittany Bell. 

Mum takes aim at those who called breastfeeding photos 'gross'

Renowned Gold Coast fitness blogger Nadine Muller says she is "proud & confident to stand up to people's ignorance," as she hit back at an online troll who attempted to shame her by calling her breastfeeding photos "gross" and done just for attention.

The heroes who take the pain out of grocery shopping with kids

We've got two happy stories to tell you, and they both feature the most kind-hearted checkout operators you can imagine.

Adorable donut and avocado smash photo shoots

Getting babies messy with all kinds of food is something Lyndsey's PhotoCo excels at.

'Spend every waking moment with your children'

The heartbroken parents of a baby who died in a baby swing have spoken out to warn other parents about the dangers of leaving infants alone.

Three white balloons at gender reveal party will touch your heart

Little did this mum-to-be know that their friend had arranged something extra special for their gender reveal party.

A note on friendship and the loss of one of your 'tribe'

There are the friends you grow up with, the people who know you inside and out, who know your flaws, your secrets, your talents and your failures. Katie was one of my tribe.

Is this celebrity baby name for real?

Forget Apple. Forget North West. Forget Kal-El Cage even (son of Nic).

Watch this stubborn toddler school her dad on counting to five

Once a toddler makes up their mind about something, it's very hard to persuade them to change it. Just ask this dad!

Why I'm happy to be a terrible mother

 I am, by any measure, a terrible, awful, mother. Read any advice book, any glossy brochure in the doctor's waiting room, and they will tell you – I suck at being a mum.

'My baby saved my life by finding my breast cancer'

A 26-year-old mum has credited her baby boy with saving her life after his sudden refusal to breastfeed led to her being diagnosed with breast cancer.

The double dip gender reveal party

The most entertaining gender reveals are the ones with a twist and this one is no exception, with double the fun for guests.

Five reasons why I can't wait to be pregnant again

This time, I know it will be my last bump and I plan to enjoy every moment.

 
Advertisement
 

Top 5 Articles

Advertisement
 
 
 

From our network

Essential Baby & Toddler Show, presented by Blackmores

3-5 March 2017, Brisbane Convention & Exhibition Centre. Get your FREE ticket now. Save $20.

Your child's fine motor skills: what you should know

There is less of a focus on fine motor skills, but they're just as important as others. (SPONSORED)

5 ways music helps your toddler's development

There are at least five other compelling reasons to get musical around your toddler. (SPONSORED)

 

Free ticket offer

Essential Baby & Toddler Show, presented by Blackmores

3-5 March 2017, Brisbane Convention & Exhibition Centre. Get your FREE ticket now. 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.