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ANZ platinum credit cards travel insurance
18 replies to this topic
Posted 23 July 2013 - 10:40 PM
Is the travel insurance that comes with the platinum ANZ Amex sufficient?
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.
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.
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.
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.
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.
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.
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?
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.
Posted 24 July 2013 - 10:43 AM
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)
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.
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.
Posted 24 July 2013 - 08:30 PM
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!
Posted 28 July 2013 - 08:00 PM
Why is that?
For the US, I'd take out separate travel insurance.
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 ┬ú50 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.
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).
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.
Posted 03 August 2013 - 02:34 PM
I went to US with it.
Medical cover matched competitors anyway so don't see the problem.
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