anz credit card travel insurance rental car excess

Credit Cards with Car Rental Excess Insurance

Credit cards with complimentary car rental excess insurance can cover you for car theft and damage when you’re travelling overseas or in Australia.

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Your savings • The annual fee is charged in the first month. • You only pay the minimum monthly payment of your overall balance each month. • You do not spend or withdraw cash on the card until the balance transfer period ends or is paid in full. • All other fees and charges that may apply are excluded. When there is no interest savings or a negative interest saving after the introductory period, the calculator will display $0.">

Westpac Altitude Black Credit Card

Up to 150,000 bonus Altitude points

Min spend and offer T&Cs apply. Reduced annual fee in the first year. Complimentary insurance covers plus, 2 lounge passes each year with Priority Pass.

Up to 150,000 bonus Altitude points - get 100k points when you spend $6,000 within the first 120 days in year 1 plus 50k points after first eligible purchase in year 2. Complimentary overseas travel insurance. T&Cs apply.

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ANZ Rewards Black Credit Card

180,000 extra anz reward points + $150 back.

Rare platinum features + flexibility: Get 180,000 extra ANZ Reward Points (redeemable for $720 ANZ Cashback or $800 digital gift card) plus $150 back to your new card when you spend $3,000 on eligible purchases in the first 3 months from approval (T&Cs apply). Redeem points for flights, merch and more. Save on travel with complimentary international travel insurance and rental vehicle excess in Australia.

Enjoy 180,000 extra ANZ Reward Points (redeemable for $720 ANZ Cashback or $800 digital gift card) plus $150 back to your new card when you spend $3,000 on eligible purchases in the first 3 months from approval. T&Cs apply. Complimentary international travel insurance.

Qantas Premier Platinum Credit Card

Limited time super-sized Qantas Points

Earn 60k when you spend $3,000 within the first 3 months, plus 20k when you haven’t earned Qantas Points with a credit card in the last 12 months. 0% p.a. on balance transfers for 12 months. Save 20% on flights for you and 8 friends. Complimentary travel insurance.

Up to 80,000 bonus Qantas Points

Earn 60,000 when you spend $3,000 within the first 3 months, plus 20,000 when you haven’t earned Qantas Points with a credit card in the last 12 months. 0% p.a. on balance transfers for 12 months. Discounted annual fee for the first year.

BankSA Amplify Platinum Credit Card

100,000 bonus Amplify Points

Worth up to $450 in eGift cards , minimum spend applies. Enjoy 0% balance transfer for 24 months with 1% balance transfer fee. Discounted first year annual fee. Earn 1 Amplify Point per $1 spent, uncapped. Overseas travel insurance.

0% on balance transfer and purchase offer. Earn 1 Amplify Point per $1 spent, uncapped. Complimentary overseas travel insurance.

Bank of Melbourne Amplify Platinum Credit Card – Qantas

60,000 bonus Qantas points

When you spend $3,000 on eligible purchases within the first 90 days. 0% p.a. for 24 months on balance transfers (1% BT fee applies) plus, discounted first-year annual fee of $174 (includes $75 Qantas Rewards fee). Earn 0.5 Qantas Points per $1 spent on eligible purchases.

60,000 Bonus Qantas Points when you spend $3,000 on eligible purchases within the first 90 days. 0% p.a. for 24 months on balance transfers (1% BT fee applies). Discounted first-year annual fee of $174 (includes $75 Qantas Rewards fee) Earn 0.5 Qantas points per $1 spent on eligible purchases.

CommBank Ultimate Awards Credit Card

$0 international transaction fees.

Earn CommBank Awards or Qantas Points. No monthly fee if you meet the min spend per statement period. Complimentary international travel insurance and yearly airport lounge passes.

Citi Premier Card

Up to 200,000 bonus citi reward points.

Receive 150,000 when you spend $7,000 on eligible purchases within 90 days and 50,000 when you keep your card for over 12 months. Reduced annual fee for the first year plus 0% p.a. interest on balance transfers for 6 months . Enjoy complimentary insurance coverage.

Bendigo Ready Credit Card

No annual fee + no international fees

Includes premium features such as purchase protection, and extended warranty insurance. T&Cs apply.

Purchase rate

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Home > Travel Insurance > ANZ Travel Insurance Review

ANZ Travel Insurance Review

Learn more about ANZ’s travel insurance policies to find out about their coverage and fees and compare them with other insurers today.

Fact checked

One of Australia’s ‘big four’ banks, ANZ has been servicing the country’s banking and finance needs for more than 50 years. The bank was formed in 1970 after the merger of the Bank of Australasia and the Union Bank of Australia. Since then, ANZ has branched out into offering insurance, credit cards and investment management.

Whether you’re travelling to Singapore or Sydney, if you have your eye on one of ANZ’s travel insurance policies, it's crucial to make sure you do your research with Savvy and compare them with other offers available. By doing so, you can give yourself the best chance at finding the right cover for your travel-related needs.

Get a quote right away and learn more about ANZ’s travel insurance plans when you compare with Savvy today.

*Please note that Savvy does not represent ANZ for its travel insurance products.

More about ANZ travel insurance

What travel insurance policies does anz offer.

Travel insurance is only accessible if you’re a cardholder with ANZ. If you have an ANZ Platinum or Black credit card, you can be automatically covered for the following:

• International Travel Insurance: aside from cancellation benefits, which activate the day you take out your cover, this policy can protect you for up to six consecutive months. You’re also covered for any overseas medical or dental emergencies and the loss or damage of your luggage and travel documents. If you’re a senior traveller under 81, you can qualify for this type of travel insurance policy.
• Domestic Travel Insurance: your interstate and intrastate travel may be covered by domestic travel insurance, as well as travel to Australian territories, with a return domestic flight booked up to 28 days after your departure. The initial 28 days of your holiday are covered, even if it lasts longer. The available coverage includes cancellation or travel delay costs, supplemental costs, and lost or delayed luggage.
• Rental Vehicle Excess: if you hire a car in Australia and charge the entire cost of the rental to your ANZ Black or Platinum credit card account, you may be covered by the rental vehicle excess insurance. The Rental Vehicle Excess in Australia Insurance will cover your rental excess up to $5,000 or the maximum total limit specified in your rental vehicle agreement, whichever is less, provided you are a nominated driver on the rental agreement. If the rental vehicle is damaged or stolen while in your care, the insurance will cover the damage or theft up to the maximum limit of up to the amount in your agreement.

Whether you're travelling to Croatia , taking a flight to Singapore or just journeying within Australia, it's crucial to compare domestic and foreign insurance quotes with Savvy before you purchase your coverage.

What optional extras are available through ANZ?

Unlike other travel insurance companies who provide you with a choice of optional extras such as adventure sports or snow sports cover, ANZ doesn’t offer any extra coverage. You’ll only be offered coverage for what’s already included in your policy.

What exclusions should I be aware of when buying travel insurance through ANZ?

It's crucial to keep in mind that even the most comprehensive travel insurance policy won't give you endless coverage. The exclusions found in ANZ’s Product Disclosure Statement (PDS) include:

• Loss of enjoyment
• Booking travel against doctors’ advice
• Intentionally injuring yourself or attempting suicide
• Knowingly travelling to a country with a ‘do not travel’ warning
• Partaking in dangerous activities, such as rodeo riding, canyoning or running with the bulls in Spain on a European holiday
• Illegal or criminal acts
• Injury, illness or death if you’re over 81 (international insurance)

If you’ve found a policy that draws your eye, make sure you review the PDS before you set your decision in stone.

What we think of ANZ travel insurance

What we like, instant, complimentary travel insurance coverage.

By spending $250 on pre-paid travel costs using your ANZ credit card, you’ll receive instant cover for up to six months free of charge, no matter where in the world you’re holidaying.

Competitive luggage cover

While some travel insurance companies scrimp on the coverage for lost, stolen or damaged luggage, ANZ allows you to claim up to $12,000.

Cover for domestic pets

ANZ lets you claim up to $500 per cardholder if your return home is delayed and you need to cover the cost of additional boarding kennel or cattery fees.

What we don't like

Only available to credit card customers.

ANZ doesn’t offer any standalone travel insurance policies, allowing only those with Platinum or Black credit cards to access cover for a holiday.

No optional extras

In a rare move for a travel insurer, ANZ doesn’t include any add-ons or optional extras as part of its policies.

High excesses

While other travel insurers will usually make you pay between $150 and $250 to make a claim, ANZ’s standard excess is an eye-watering $350.

Types of travel insurance

International.

International travel insurance can offer cover for a range of events, including medical expenses, lost luggage or items, cancellation fees and more when you're overseas and a long way from home.

If you're journeying within Australia, domestic policies are designed to offer many of the same protections as international travel insurance (with the exception of medical expenses).

Single trip

The most standard and common type of travel insurance, this policy can cover you for one trip starting and ending in Australia (and is available for both international and domestic travel).

Annual multi-trip

As the name suggests, this type of travel insurance covers multiple trips over a 12-month period. Depending on your insurer, you may be able to take an unlimited number of trips up to 90 days each.

You don't have to have a return ticket booked to take out cover while you're overseas. One-way travel insurance enables you to access cover without a set end date, such as if you're moving temporarily.

You may need to take out specialist coverage if you're setting sail on a cruise. Fortunately, cruise insurance can cover emergency evacuation, cabin confinement and more.

Just because you're older doesn't mean travel insurance isn't still important. If you qualify for cover, seniors' travel insurance can offer greater peace of mind for included events while you're travelling.

Adding winter sports or ski cover to your policy can add protection against damage to your equipment, piste closure due to bad weather and activities such as back-country skiing, heliskiing and more.

Adventure sports

Looking to enjoy some adventure sports on holiday? An adventure sports pack can grant you cover for a range of activities, such as hiking, scuba diving and motorcycle or scooter riding.

Jetsetting with the whole clan in tow? Some insurers offer family travel insurance, which enables you to include yourself, your partner and your dependent children under one policy to help you save.

If you're travelling interstate or overseas with your partner (or simply another friend or family member), you may be able to access a discount by taking out a joint or duo travel insurance policy.

Why compare travel insurance with Savvy?

Reputable insurance partners, fast and convenient online process.

You can complete the quote, comparison and purchase process online through Savvy quickly and easily.

Competitive quote costs

Regardless of the type of insurance you’re looking for, we can help you compare between competitive quotes.

Frequently asked questions about ANZ travel insurance

Yes – if you’re diagnosed with COVID-19 during your international holiday, ANZ covers you for overseas emergency assistance, medical costs, cancellation and evacuation costs. If your travelling companion is struck down with coronavirus, you’ll be able to claim any cancellation costs or additional expenses.

Yes – ANZ will cover travellers up to the 26th week of their pregnancy if they become injured or sick during their holiday and give birth. However, no cover is available if you suffer from complications due to your pregnancy or use IVF in an attempt to become pregnant.

Lodging a claim with ANZ on your travel insurance is relatively easy and can be done online. ANZ Global Assistance pays out approved claims, so it’s best to lodge your claim with them. Once you’ve provided all the details surrounding your claim, plus supporting evidence such as medical and police reports of any incidents or receipts, you can submit your claim. It will take about ten business days for a claim form and all necessary documentation to be processed.

There’s no one average cost of travel insurance which you’ll receive, with the price of premiums determined by a unique set of variables including:

• Your date of birth
• Your chosen destination
• The level of coverage you buy
• Any optional extras you need
• Pre-existing medical conditions you need to disclose
• The policy excess you choose
• The type of insurer and insurance policy you buy

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Credit card travel insurance

How do I qualify for travel insurance using my credit card?

If you have an ANZ Airpoints Visa Platinum credit card, and you pay for at least half of your pre-paid travel expenses with your card you may be eligible to receive overseas travel insurance.

To check your eligibility, please visit our ANZ travel insurance website

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Credit cards with car rental excess insurance

A credit card with car rental excess insurance can help you save on costs in australia and overseas. find one for your next road trip here..

We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision.

Learn how we maintain accuracy on our site.

In this guide

What is credit card car rental excess insurance?

What credit cards offer car rental insurance, pros and cons of credit card car rental excess insurance, how do i use my credit card's car rental excess insurance, what to watch out for, do i need car rental excess insurance.

Complimentary credit card car rental excess insurance can help cover costs if a rental vehicle is damaged or stolen and you need to pay an excess amount to the car hire company.

Depending on the credit card and policy, you could get cover when you rent a car overseas, in Australia or both.

Credit cards with complimentary insurance may include some form of car rental insurance. There are 2 main options:

• Car rental excess insurance in Australia
• A car rental excess benefit as part of an international travel insurance policy

As with any type of insurance, the cover and details vary. So it's important to check the insurance policy document for any card (or cards) you're looking at. To give you an idea, here is a table with some examples of credit cards and car rental insurance options for trips in Australia and overseas.

• Peace of mind. Car rental excess insurance means you're not on the hook for potentially thousands of dollars as it reduces the excess payable if you have a covered accident.
• Saving money. Instead of paying the rental company for additional car rental excess insurance, get it through your credit card, which saves you the cost of that extra premium.
• Lots of terms and conditions. Each policy has different requirements to activate the cover as well as what type of accident will be covered.
• You may still pay an excess. Many complimentary car rental excess policies charge an excess of between $200 and $500 per claim. While that's better than the thousands of dollars you could potentially pay without excess insurance, it's still a cost you need to consider.

To activate your rental car insurance cover, you usually need to do the following:

• Use your eligible credit card to pay for the rental car or other travel spending.
• Follow the policy's terms and conditions, such as not driving while under the influence of alcohol.

How to make a claim

The process can be slightly different depending on the insurance provider, so it's important to check the insurance policy document for full details. But as a general guide, you'll need to take the following steps:

• Contact the insurance provider As soon as you think you'll need to make a claim, let the insurance provider know. The contact details will be in your credit card complimentary insurance policy booklet.
• Fill in a claim form Depending on the insurer, you may be able to submit a claim online, over the phone or through a printed form.
• Include supporting documents and submit your application This could include the rental vehicle hire agreement, any relevant police reports, photo evidence or receipts that relate to your claim. In general, the more details you can include, the better.

If you're thinking of getting a credit card that offers complimentary car rental excess cover – or if your existing card offers this cover – make sure you keep the following details in mind before hiring a rental vehicle.

• Eligibility. Most credit cards only provide this cover if you have used the card to pay for the rental vehicle or for the entire trip. Make sure you check these details in the insurance policy booklet before assuming you're covered.
• Coverage limitations. While complimentary car rental excess cover typically applies for vehicle damage or theft, exclusions could apply for damage to the tyres, windscreen or underbody of the car. Most policies also exclude claims that relate to off-road driving.
• Location requirements. Credit card car rental insurance could cover you for domestic trips, overseas trips or both, but there may be restrictions related to location or distance travelled.
• Other card costs. If you're looking for a new credit card that offers car rental excess insurance, make sure you also consider the card's other costs (including the annual fee), interest rates and any overseas transaction fees that may apply.

This type of cover is usually optional. But excess payments to a car rental company can be as much as $8,000 without this cover, compared to around $0 to $400 with cover.

How much does car rental excess insurance cost to buy?

Car rental companies typically offer excess insurance (or excess reductions) for about $20 to $30 per day, per car. It can go above $50 per day if you want a $0 excess.

There are also separate car rental excess insurance policies you can buy from as little as $2.83 per day. The cost depends on factors including the insurance provider, type of car and payable excess.

Based on these details, if you got complimentary car rental excess insurance through a credit card and hired a car for 7 days, you could save between $19.81 and $350 compared to paying for a car rental excess insurance policy.

But keep in mind that credit cards may have annual fees and other potential costs that you may want to factor in when you're considering different options. It's also a good idea to check the different policies so you know what's covered, what the limits are and how much you could be out-of-pocket.

Amy Bradney-George

Amy Bradney-George was the senior writer for credit cards at Finder, and editorial lead for Finder Green. She has over 16 years of editorial experience and has been featured in publications including ABC News, Money Magazine and The Sydney Morning Herald.

More guides on Finder

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If you use a credit card with a guaranteed pricing policy after making a purchase then later find a cheaper deal with same item, this policy kicks in to pay you the difference.

Buying extended warranty on new purchases can be an additional cost you don't really need. Thankfully, many credit cards offer this as an added benefit.

Compare credit cards that offer complimentary purchase protection insurance and cover your purchases against loss, damage and theft.

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14 Responses

Hi I would like a card that ticks the following boxes: – Reward points (preferably velocity) – international + domestic travel insurance (includes car rental excess) – I will also be doing a Balance transfer

Thank you for your inquiry.

The frequent flyer credit cards that earn Velocity points are listed here. As not all cards have the same benefits, you may need to go over each card featured on that page and see if they have complimentary travel insurance and Balance transfer features. Please also note that domestic travel insurance are not usually covered under the travel insurance benefit. The car rental excess are typically included in the overseas complimentary travel insurance though.

Hope this helps.

Cheers, May

I am a platinum ANZ credit card holder and I want to hire a car in NZ do I get the same access cover as I do in Australia?

ANZ Platinum credit cardholders are covered under QBE complimentary overseas medical and travel insurance. There’s comprehensive cover for a range of events, including an unlimited benefit payable for overseas medical and dental. If you already have an ANZ Platinum credit card, you’re eligible for the insurance when you hold a return ticket to Australia and have purchased at least $250 of your prepaid travel expenses using the ANZ Platinum credit card. See the insurance terms and conditions to confirm what you’re covered by.

I hope this information has helped.

Cheers, Harold

Hi I’m about to rent a car using my ANZ platinum card. Do I need to purchase additional insurance from the Rent a car company ? If event of accident without additional insurance what does the car cover? Thanks

While it’s not compulsory to purchase rental vehicle excess insurance from a car rental company (if you already have cover with your credit card) you might need to purchase damage insurance from the rental car company. Car rental excess insurance included in your credit card covers the excess payable on damage insurance.

It’s a good idea to clarify with your rental company what type of insurance you are buying from them.

According to the product disclosure statement (PDS) of ANZ, the maximum amount you are covered for is $2,400 in rental excess cover.

I hope this helps,

I am the cardholder of an HSBC Australia Visa Platinum card. If I hire a car in Australia and have an accident, am I automatically covered for rental vehicle insurance excess? Many thanks.

Thanks for your inquiry.

As the complimentary travel insurance is applicable for international trips, I’m afraid that the rental vehicle excess cover is only applicable for trips overseas as well. Please feel free to check our HSBC credit card guide for more information about the HSBC complimentary travel insurance cover.

I am the holder of an anz visa platinum card. When I hire a rent a car in Australia, am I automatically covered for accidents and to what extent.

Thanks for your question. Yes, the ANZ Visa Platinum Card does offer cover for domestic car rentals in Australia. You’ll need to meet QBE and ANZ’s eligibility requirements before you can access the rental cover. I’ve emailed you a copy of the insurance policy so you can confirm that you meet those requirements.

QBE will reimburse you for the amount of any collision excess that you have paid under any vehicle rental agreement that you enter into with a car rental company to hire a vehicle registered in Australia and its offshore territories, where: • you are the hirer, or • you are a joint hirer and you were driving the hire car when the accident occurred.

The process for how you can make a claim is also included in the document I have emailed to you.

I hope this has helped.

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ANZ Complimentary Credit Card Insurance and COVID-19 (Coronavirus) FAQ

Information for anz eligible cardholders regarding covid-19 and with a claim event date on and after 27 th april 2022.

Information on this page is correct as of 27 April 2022

Stay up to date on Travel Information for COVID-19 from the Department of Foreign Affairs and Trade (DFAT)  Smartraveller website and World Health Organisation   (WHO) and Department of Home Affairs .

Always consult the smartraveller.gov.au website prior to any travel.   In addition to visas, COVID-19 testing, and proof of vaccination requirements, many countries now have compulsory insurance and medical cover proof conditions.  Check with the nearest embassy, consulate or immigration department of the destination you are entering. If you require additional documentation regarding the complimentary international travel insurance policy due to international entry requirements, please contact us on 1300 135 271.

Are Eligible travellers covered for COVID-19 with this complimentary credit card travel insurance?

This complimentary travel insurance policy is designed to provide cover under select benefits to eligible travellers, if you or your travel companion are positively diagnosed as suffering a sickness recognised as an epidemic or pandemic such as COVID-19, and cover is expressly included under certain sections of the relevant ANZ Policy Information Booklet for which your eligible ANZ card is applicable under:    ANZ Platinum and Black Personal Credit Cards Complimentary Insurance Policy Information Booklet   or the  ANZ Business Black Complimentary Travel Insurance Policy Information booklet .  A General Exclusion for epidemic/pandemic applies for all claims relating to any epidemic/pandemic outside of the select benefits in the applicable policy information booklet. Please note, terms, conditions, limits and exclusions apply.

To receive a formal outcome, Eligible ANZ Cardholders must submit a claim.

Eligible ANZ travellers who meet the eligibility criteria should be aware that other General Exclusions have the potential to apply.

What is a General Exclusion?

A General Exclusion is an exclusion which will be applied across all sections of an insurance policy, and applies regardless of when eligibility for cover was gained.  Should a General Exclusion apply, this means that your complimentary credit card travel insurance excludes cover for the event, activities or circumstances (specified in the exclusion) that causes your claim.

To understand what is excluded from the ANZ Complimentary Insurance covers, please refer to the General Exclusions section and the section specific exclusions of the relevant ANZ Policy Information Booklet for which your eligible ANZ card is applicable under:  Premium Cards – Insurances, Insurance Policy Information booklet or the  ANZ Business Black Travel Insurance, Policy Information booklet

Other exclusions may apply depending upon the circumstances of an individual claim. General Exclusions include but are not limited to:

• where your claim arises because you did not follow an advice or warning that a reasonable person would have been aware of:
•                 by the Australian government (when a ‘Reconsider your need to travel’ or ‘Do not travel’ alert is in place), which can be found on                 www.smartraveller.gov.au; or
•                 which was published in a reliable mass media source.
• any interference with your travel plans by any government, government regulation or prohibition or intervention or official authority;  For example, if  Smartraveller has a warning, ‘Do not travel’ or ‘Reconsider your need to travel’ due to the risk of COVID-19 infection for a destination, and a cardholder chooses to ignore the warning and is infected with COVID-19, cover may be excluded.  Or if, a government closes its borders to inbound travellers due to COVID-19 and you are unable to enter and follow your planned travel across the closed border, cover may be excluded.

What if an ANZ Eligible Cardholder has booked travel and needs to cancel due to contracting COVID-19?

If you are unable to travel as a result of contracting COVID-19, Cancellation cover may be provided to eligible travellers, if you or your travel companion are positively diagnosed as suffering a sickness recognised as an epidemic or pandemic such as COVID-19, and cover is expressly included under the Cancellation section of the relevant ANZ Policy Information Booklet for which your eligible ANZ card is applicable under:  ANZ Platinum and Black Personal Credit Cards Complimentary Insurance Policy Information Booklet  or the ANZ Business Black Complimentary Travel Insurance Policy Information booklet     . If you are unable to travel as a result of an Epidemic or Pandemic related event which does not include you or your travel companion being positively diagnosed as suffering a sickness recognised as an epidemic or pandemic, for example a border closure, there may be no provision to claim as a general exclusion for epidemic and pandemic applies. A General Exclusion for epidemic/pandemic applies for all claims relating to any epidemic/pandemic outside of the cancellation benefits in the applicable policy information booklet. Please note, terms, conditions, limits and exclusions apply.

You therefore need to consider your own personal circumstances. We are not able to provide you with a cover decision before submitting a claim. To receive a formal outcome, ANZ Eligible Cardholders must submit a claim.

You should also contact your travel agent or travel service provider (airline, cruise line or Tour Company, etc) as they may be able to support you in obtaining refunds, credits or travel re-scheduling.

Can ANZ Eligible Cardholders make a claim for consideration?

Every ANZ Eligible Cardholder can submit a claim and have their individual circumstances considered in accordance with the eligibility criteria which includes the terms, conditions, limits and exclusions that apply as set out in the  and the  Premium Cards – Insurances, Insurance Policy Information booklet   or the  ANZ Business Black Travel Insurance, Policy Information booklet.

If you would like to claim, we encourage you to claim online via  www.claimmanager.com.au/anz

Claim Online 

Call our claims team.

Car Rental Excess Insurance

…tripcover me, globally.

ANZ Car Rental Cover – leaves you exposed to excess risk

Many people use their credit cards to cover their rental car excess . Renters assume that they are fully covered, but are they really?

Let’s have a closer look at ANZ’s actual car rental cover policy, which a Tripcover customer brought to our attention, asking if they should still take out a Tripcover policy or use the ANZ rental car coverage.

What’s covered and what not by ANZ credit cards?

Here’s the thing, most of the large car rental companies, such as Thrifty, have what they describe as a “standard excess”. This excess covers basic damage to the car if it involved in a multi car accident or is stolen, for example. Though there are a number of items not included in the standard excess, and that’s the loophole in credit card travel insurance.

Hence it becomes a problem for anyone who is relying on their ANZ credit card insurance (or other credit cards aswell) because items such as windscreens, tyre damage, undercarriage damage are not considered to actually be part of the excess.

On top of that, most rental firms in Australia have an excess amount between $3500 and $4000. The ANZ car rental cover falls short by nearly $2000.

ANZ only covers $2050 excess.

The above screen grab from the ANZ Car Rental Cover terms and conditions , shows the maximum excess insured is just $2400, minus the applicable policy excess, leaves the rental customer will only $2050 maximum coverage. So if the rental car excess is $4000, then there is a gap of $1950 to pay. Ouch!

Single Vehicle Accidents are not covered by ANZ

In the above screen grab from ANZ’s terms and conditions, you will notice two things. Firstly that the coverage only includes items covered under the collision excess, and as mentioned earlier there are multiple items that rental companies do not include in their excess, but still charge you for, like windscreen and tyre damage etc.

Secondly you’ll notice that Single Vehicle accidents aren’t covered by the ANZ policy, which effectively means, if you damage the car in a car park against a static item or you hit a kangaroo on the open road, you wont be covered because there is only one vehicle involved in the accident, namely you!

As we previously wrote in our blog post about the pros and cons of car rental insurance via credit cards , there are benefits to using credit cards, especially if you choose the right credit card to pay for the rental, you could actually receive coverage with zero deductible. That being said, its worth looking into the detail, as we have done here with ANZ, to really understand what level of coverage you do have, as opposed to assuming you’re covered, and then being surprised when there is a sizable gap in the coverage.

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Domestic Rental Vehicle Benefit

Domestic rental vehicle collision damage and theft excess cover, this benefit applies to platinum advantage visa cardholders only..

If you rent a vehicle within New Zealand and pay the rental cost using your Platinum Advantage Visa card, you will be covered under the Domestic Rental Vehicle Collision Damage and Theft Excess Cover policy. This policy covers the excess you become legally liable to pay in the event your rental car is damaged or stolen during the rental period . A maximum rental period of 31 days applies.

For full details of the terms, conditions, exclusions and eligibility criteria please refer to your policy wording .

This benefit is not included with Business Advantage cards.

You can download a claim form below. Completed claim forms can be sent to [email protected]

Policy definitions

The following definitions are used for domestic rental vehicle cover and are different from definitions used for the equivalent overseas travel insurance benefit.

Rental Vehicle - means a motor vehicle rented or hired by you under a rental agreement from a recognised motor vehicle rental company within New Zealand and is intended for the carriage of passengers.  This would include, but is not limited to, cars, SUV’s, vans and campervans.

Special Type Rental Vehicles are excluded.  These include any vehicle designed for carrying freight, trailers, motorcycles, mopeds, modified or improved vehicle, all terrain vehicles or quadbikes, any vehicle with less than or more than four (4) wheels, and/or vehicle equipped with a lifting apparatus, except if designed for a disabled driver. 

• AIG Domestic Rental Vehicle Excess Insurance Claim Form 1.7MB pdf
• Terms and Conditions
• Privacy Policy

BNZ Advantage Visa Platinum Credit Card Travel Insurance and BNZ Advantage Visa Business Credit Card Travel Insurance (‘Insurance’) is subject to the terms, conditions, exclusions (for example business travel, age limitations etc.) and eligibility criteria contained in the policy document. You should read the policy document to make sure that the Insurance meets your needs. The Insurance is provided to Platinum Advantage and Business Advantage cardholders by AIG Insurance New Zealand Limited (‘AIG’) under an agreement with BNZ. BNZ does not underwrite the Insurance, is not an agent of AIG, and does not guarantee the obligations of AIG. Premiums are payable for policy extensions such as pre-existing cover, duration extension and specified items.

This portal is owned and managed by AIG for the purposes only of delivering AIG insurance services. BNZ does not have access to this portal, does not collect any personal information via this portal and has no liability in relation to this portal. For more information about AIG’s privacy practices, please check AIG’s privacy statement at www.aig.co.nz/privacy-policy .

The AIG Logo is a registered trademark. Insurance products and services are provided by AIG Insurance New Zealand Limited. Terms, conditions and exclusions apply. You should read the Policy Wording and Schedule of Benefits considering your personal circumstances, prior to making any decision to acquire the product.

• Travel Insurance

The journalists on the editorial team at Forbes Advisor Australia base their research and opinions on objective, independent information-gathering.

When covering investment and personal finance stories, we aim to inform our readers rather than recommend specific financial product or asset classes. While we may highlight certain positives of a financial product or asset class, there is no guarantee that readers will benefit from the product or investment approach and may, in fact, make a loss if they acquire the product or adopt the approach.

To the extent any recommendations or statements of opinion or fact made in a story may constitute financial advice, they constitute general information and not personal financial advice in any form. As such, any recommendations or statements do not take into account the financial circumstances, investment objectives, tax implications, or any specific requirements of readers.

Readers of our stories should not act on any recommendation without first taking appropriate steps to verify the information in the stories consulting their independent financial adviser in order to ascertain whether the recommendation (if any) is appropriate, having regard to their investment objectives, financial situation and particular needs. Providing access to our stories should not be construed as investment advice or a solicitation to buy or sell any security or product, or to engage in or refrain from engaging in any transaction by Forbes Advisor Australia. In comparing various financial products and services, we are unable to compare every provider in the market so our rankings do not constitute a comprehensive review of a particular sector. While we do go to great lengths to ensure our ranking criteria matches the concerns of consumers, we cannot guarantee that every relevant feature of a financial product will be reviewed. We make every effort to provide accurate and up-to-date information. However, Forbes Advisor Australia cannot guarantee the accuracy, completeness or timeliness of this website. Forbes Advisor Australia accepts no responsibility to update any person regarding any inaccuracy, omission or change in information in our stories or any other information made available to a person, nor any obligation to furnish the person with any further information.

Travel Insurance For Singapore: The Complete Guide

Updated: Apr 4, 2024, 12:29pm

Table of Contents

Featured Partners

Singapore Travel Insurance

What does travel insurance for singapore cover, can i tailor my travel insurance for singapore, what does travel insurance for singapore exclude, how much does travel insurance for singapore cost, how can i compare travel insurance for singapore, frequently asked questions (faqs).

Singapore has long been a holiday favourite for Australians, either as a stop-over city on the way to Europe or the Middle East or as base for exploring Asia. According to the latest figures from data portal, Statista, 566,000 Australians visited the country in 2022.

If you’re also planning to visit, travel insurance for Singapore can safeguard your trip against a number of potential mishaps, such as falling ill while away, losing your luggage and belongings or even needing to cancel the trip before it’s even begun. Singapore is a safe country, but the cost of medical care is high.  Find out more about how travel insurance for Singapore works below.

Fast Cover Travel Insurance

On Fast Cover’s Secure Website

Cancellations

Unlimited, (Trip Disruption $50,000)

Rental Vehicle Excess

Key Features

25-Day Cooling Off Period, Australian Based Call Centre, 4.6 Star Product Review Rating

Cover-More Travel Insurance

On Cover-more’s secure website

Medical cover

Unlimited, with a $2000 limit to dental

Yes, amount chosen by customer

Southern Cross Travel Insurance (Comprehensive)

Option of Cruise Cover

Unlimited medical

Yes (some sub limits apply)

There are three main types of travel insurance policy for Singapore. These are:

• Single trip: for a one-off trip in the space of 12 months to Singapore
• Annual multi-trip : for more than one trip in the space of 12 months to Singapore or various destinations. This type of cover can work out more cost-effective than buying multiple single trip policies but not always so it’s best to compare both types of cover.
• Long-stay/backpacker : for an extended stay in Singapore, of typically 60 or 90 days, or 12 or 18 months. Cover for 24 months may be available, from certain providers.

When applying for travel insurance online, you’ll first be asked to enter your holiday destination. Depending on the insurer, you’ll need to click on Singapore, Asia or Worldwide travel excluding the US and nearby destinations such as Mexico, the Caribbean, Canada and Greenland. The latter option excludes a part of the world where medical costs are the highest, which in turn, bumps up the cost of cover. If you’re also planning to travel to the US, for example, there are separate worldwide policies that include it as a destination.

Insurers usually offer at least two or more types of travel insurance policy from basic or comprehensive cover and anything in between. Comprehensive policies offer the highest cover levels and widest range of benefits.

A key component of all travel insurance policies is emergency medical cover. You’ll find a comprehensive policy for Singapore will often offer an unlimited amount.

The standard of medical facilities and care in Singapore is similar to, or higher than in Australia, and the cost often much higher, so medical cover can prove a vital resource should you fall ill, or get injured, while away.

Note that in the case of an emergency, you’ll likely need to pay up-front first, and then reclaim the costs from your insurer, or confirm payment from your insurer with a hospital before it will provide treatment.

As standard, travel insurance for Singapore can also cover repatriation and emergency rescue, in severe medical cases, the loss or theft of your baggage and belongings and trip cancellation if you can no longer travel for reasons such as falling ill, suffering a bereavement or losing your job.

They will also likely include an array of other forms of protection, providing the most at comprehensive level. This includes cover for lost or stolen money, passports and documentation, missed departures, online fraud, and travel delay. The types of cover on offer, and cover limits, will vary between providers. You can find exactly what a policy includes in its product disclosure statement (PDS), which is usually found on an insurer’s website.

There are a number of ways you can ensure your policy fits your needs. Many insurers offer optional add-ons that you can purchase if you need specialised cover. These include insurance for gadgets (such as a smartphone or laptop), a cruise and playing golf.

If you’re thinking of participating in more high-octane activities, check your policy’s PDS. Many cover around 100 or so sports automatically. Cover for what an insurer classes as high-risk activities, such as skydiving, bungee jumping, outdoor rock climbing, and activities requiring a set of wheels, such as quad biking, may require purchasing an additional ‘sports pack’ for your policy.

While reading through a policy’s PDS, it’s crucial to also take note of any limitations of cover. These can differ between policies, but generally you can expect most insures to refuse claims relating to a pre-existing condition. This is a medical condition you had before taking out the policy. The insurer may not cover such conditions, or may refuse your claim if you did not declare your condition on applying for the policy.

An insurer is also unlikely to accept claims for an injury caused by taking part in a sport or activity where you did not wear the appropriate safety gear, such as a helmet, knee pads or a harness. Claims resulting from disorderly behaviour or being under the influence of drink or drugs will also likely be rejected.

It’s best to regularly check government advice for your destination, which it publishes on its Smartraveller website. This includes warnings about natural disasters, terrorism threats and pandemics. Visiting Singapore, or a part of the country, if the government puts it on its “do not travel” list, could invalidate your policy.

The amount you’ll need to pay for your travel insurance policy will depend on a range of factors. An insurer will consider your holiday destination, associated costs when travelling there and the length of time you’ll be travelling.

The price of a policy can rise for mature travellers and those with pre-existing conditions, as insurers view these travellers as more likely to claim on their policy.

To provide an idea of how much travel insurance for Singapore can cost, we ran quotes on the sites of the insurers we’ve rated the top five for travel insurance.

We used the profile of a family of four, aged 42, 40, 14 and 12, spending 13 to 26 May in the country, and assumed they have no pre-existing conditions, (although these providers do offer cover for pre-existing conditions should you need it).

We found basic cover ranged from around $106 to $202, while comprehensive cover started at around $241, with the most expensive policy costing just under $304.

Before choosing a policy, it’s important to shop around. An easy way to do this is to run quotes on the websites of various insurers and compare factors such as the type of cover a policy includes and cover levels against price.

To help you with your search, we’ve conducted some research and found our pick of the best comprehensive travel insurance policies .

Is travel insurance for Singapore worth it?

While travel insurance for Singapore isn’t mandatory, it can be considered a travel essential if you have no other means of covering emergency costs while away.

Emergency medical fees can easily stack up to thousands of dollars alone, and without travel insurance in place, you would have to cover them out of pocket. Travel insurance also can cover a number of eventualities that we often fail to consider, such as an airline, transport company, or accommodation provider going bust.

What is ‘excess’ in insurance?

An excess is a set amount you’ll be expected to pay on each approved claim. It’s usually levied per person on the policy, per event, per claim, but you can check the PDS for the specifics concerning your insurer. You usually can pick from a range of excess amounts, from $50 to $250 on average, when taking out a policy.

The more you choose to pay in excess, the lower your policy premium—the cost of your policy—typically will be, while paying less in excess will raise the cost. An excess is usually deducted from a claim amount, so you won’t need to pay for it out of pocket. However, it’s still crucial that you make sure it’s affordable.

Can I buy a policy while I’m in Singapore?

Some providers won’t cover a holiday if it’s already started. Others may cover you, but apply a waiting period of around 72 hours before you can claim.

The best time to take out travel insurance is as soon as you’ve booked your holiday, as you’ll be immediately covered for trip cancellation. Insurers are highly unlikely to consider claims resulting from something that happened before you took out the policy.

• Best Comprehensive Travel Insurance
• Best Seniors Travel Insurance
• Best Domestic Travel Insurance
• Best Cruise Travel Insurance
• Travel Insurance Cost
• Pregnancy Travel Insurance Guide
• Best Family Travel Insurance
• Travel Insurance Cancellation Cover
• Travel Insurance For Bali
• Travel Insurance For Fiji
• Travel Insurance For The USA
• Travel Insurance For Thailand
• Travel Insurance For New Zealand
• Travel Insurance For Japan
• Travel Insurance For Europe
• Cover-More Travel Insurance Review
• Fast Cover Travel Insurance Review
• Travel Insurance Saver Review
• Allianz Comprehensive Travel Insurance Review
• 1Cover Comprehensive Travel Insurance Review
• Australia Post Comprehensive Travel Insurance Review

More from  

Fast cover comprehensive travel insurance review: pros and cons, our pick of the best domestic travel insurance for australians, travel insurance for indonesia: everything you need to know, the new travel document aussies will need to visit europe, our pick of the best comprehensive travel insurance providers in australia, our pick of the best cruise travel insurance.

I have been writing for newspapers, magazines and online publications for over 10 years. My passion is providing, in a way that is easily accessible and digestible to all, the knowledge needed for readers to not only manage their finances, but financially flourish.

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ANZ Credit Card Insurance customers

Is ANZ Credit Card Insurance still right for you?

We know that as life changes, so do your insurance needs – which is why it's important to consider whether ANZ Credit Card Insurance is still right for you.

To help you make an informed decision, we have included important information you need to know.

More information can be found in the PDS.

What is covered

• How to cancel

How to claim

• Product Disclosure Statements

What ANZ Credit Card insurance covers

• The Insurer may pay you a monthly benefit for a maximum of 150 days disclaimer
• The monthly amount will be 20% of the total amount outstanding on your ANZ credit card, as of the date you become involuntarily unemployed, seriously ill or injured
• The maximum amount the Insurer may pay you will be the total outstanding balance as of the date you become involuntarily unemployed, seriously ill or injured

For example, if you become involuntarily unemployed and, on that date, you have a closing balance of $1,000 on your ANZ credit card, you may be eligible for a monthly payment of $200 for a maximum of 150 days/$1,000 disclaimer

• If you become seriously ill, injured, become permanently disabled, or pass away: the Insurer may pay a lump sum, based on the outstanding balance on your credit card at the time ( up to a certain amount disclaimer )
• If your credit card is stolen or subject to fraud: the Insurer may pay a one-off payment of $200
• If you're unable to work due to a spouse or dependent child being diagnosed with a critical illness: the Insurer may make a one-off payment of $500 on your credit card balance

Importantly, what this is not

• It is not designed to completely cover you for all expenses you may incur if you become seriously ill, injured, involuntarily unemployed, suffer a total and permanent disability or if you pass away – this is simply designed to help you pay off your outstanding credit card balance
• It is not an ongoing monthly benefit until you are able to return to work – where you become involuntarily unemployed or unable to work due to serious illness or injury, you may you receive a monthly payment (20% of your closing balance as at the date) for a maximum of 150 days disclaimer
• It is not a comprehensive financial back up plan – given this is designed to cover your credit card balance only, it is likely to not be the only financial support you would need in the event of a serious illness, injury, unemployment, or total and permanent disability
• And therefore, would also likely not be sufficient to maintain your current lifestyle
• It is not intended to replace other insurance products for example life insurance, total and permanent disability (TPD) insurance, home loan or income protection

For more information about what you are covered for and to how to make sure your policy is right for you check out the Guide to using your ANZ Credit Card Insurance .

How to cancel your cover

If you’ve decided that you no longer want this cover, there are three easy ways you can cancel our cover at any time - over the phone, email or internet banking!

Send us an email

Simply email us at [email protected] with your:

• Last four digits of the credit card where premiums are deducted from
• Registered email address with ANZ

Cancel via Email

Internet Banking

Log into Internet Banking and send us a message to cancel your policy.

Once logged into ANZ Internet Banking, select:

Contact Card Enquiries > General Card Enquiries > Credit card Insurance.

Cancel via Internet Banking 

Give us a call

Call us to cancel your policy on  13 16 14 .

Call 13 16 14  

Our claims team are here, ready to help. To start your claim email us with your:

• Phone number
• Policy number (which is your credit card number)
• Claim type (e.g. involuntary unemployment, disability)
• Date of the claim event And
• If you’re claiming for involuntary unemployment - a separation certificate or letter from your employer confirming you’ve been stood down

Email our claims team

Or call us on  13 16 14  and select Option 2 (Mon-Fri 9am-5pm Sydney/Melbourne time)

Any questions?

We can help you with questions about your policy. And if you are experiencing hardship, call us and we can review your cover with you. 

(Option 1) Mon-Fri 9am to 5pm (Sydney/Melbourne time)

Complimentary Insurance

If you are looking for information regarding Complimentary Insurance available for ANZ Credit Cardholders (including Travel insurance and Extended Warranty) 

Find out more

Product disclosure statements (PDS)

Please see your specific product disclosure documents for more information on waiting and qualifying periods before you can make a claim.

ANZ CreditCover

Product Disclosure Statement for ANZ CreditCover - no longer for sale (PDF)

Policy Terms for ANZ CreditCover (2015) (PDF)

ANZ CreditCover Upgrade Announcement (November 2016) (PDF)

ANZ CreditCover Plus

Product Disclosure Statement for ANZ CreditCover Plus - no longer for sale (PDF)

Policy Amendment document for ANZ CreditCover Plus (February 2016) (PDF 1MB)

ANZ CreditCover Plus Premium Reduction and Upgrade Announcement (November 2016) (PDF)

ANZ Credit Card Insurance

Product Disclosure Statement for ANZ Credit Card Insurance (April 2012) (PDF)

Policy Amendment document for ANZ Credit Card Insurance (February 2016) (PDF 1MB)

ANZ Credit Card Insurance Premium Reduction and Upgrade Announcement (November 2016) (PDF)

Important information

ANZ Credit Card Insurance, ANZ CreditCover and ANZ Credit CoverPlus is issued by Zurich Australia Limited ABN 92 000 010 195, AFSL 232510 for Life Benefit, Accidental Death Benefit, Total and Permanent Disability Benefit and Critical Illness Benefit, and Zurich Australian Insurance Limited ABN 13 000 296 640 AFSL 232507 for the Disability Benefit, Involuntary Unemployment Benefit, Family Trauma Benefit and Inconvenience Benefit. We recommend that you read the  ANZ Financial Services Guide (PDF)  and the relevant Product Disclosure Statement and Policy Documents (available online or by calling 13 16 14 ) for further information before deciding whether to continue to hold this product. This information is dated 1 December 2023 and may be subject to change.

Australia and New Zealand Banking Group Limited (ANZ) (ABN 11 005 357 522, AFSL 234 527) is an authorised deposit taking institution (Bank) under the Banking Act 1959 (Cth). The issuers of these products are not Banks. Although ANZ distributed these products and except as described in the relevant PDS, ANZ does not stand behind or guarantee the issuers or the products.

This information is of a general nature and has been prepared without taking account of your personal objectives, financial situation or needs. Before acting on the information, you should consider whether the information is appropriate for you having regard to your objectives, financial situation and needs.

Please refer to the PDS for benefit amounts. The benefit will be paid until: 

• you are no longer ill or injured,
• you are no longer unemployed,
• your total outstanding balance as at the claim event date is paid in full, or
• after receiving the benefit for 150 days

whichever is the earliest.