anz platinum and black personal credit cards complimentary insurance

ANZ PLATINUM AND BLACK

PERSONAL CREDIT CARDS

COMPLIMENTARY INSURANCE

POLICY INFORMATION BOOKLET

EFFECTIVE DATE: 7 JUNE 2024

CONTACT ALLIANZ GLOBAL ASSISTANCE

Claims and enquiries

Online

Lodge your International Travel Insurance claim at:

claimmanager.com.au/anz

Access claim forms, 24 hours a day, 7 days a week at:

travel.agaassistance.com.au/anz/make-a-claim

Phone 1300 135 271 (within Australia)

Enquiries

Monday to Friday 8am to 7pm AEST

Saturday 8am to 5pm AEST

Claims

Monday to Friday 8am to 5pm AEST

ANZTravelT[email protected]

24-hour emergency assistance

Phone 1800 010 075 (within Australia)

+61 7 3305 7465 (overseas)

Please note, additional charges may apply for any

calls made from mobiles, public telephones or hotel

rooms.

[email protected]

LETTER OF ELIGIBILITY FOR INTERNATIONAL

TRAVEL INSURANCE

You can obtain written confirmation of eligibility for cover for your

overseas journey based on the answers you give us, by applying

online at: www.checkyourcover.com.au/anz. If you provide us

with incorrect answers to the questions we ask you, you may not

be eligible for cover under the Group Policy issued to ANZ.

CHANGES TO THIS BOOKLET

The information in this booklet is subject to change from time

to time and is correct and current as at the date on the cover.

The Termination or Variation of Cover clause on page 2 sets out

the notice ANZ will provide to you when changes are made

to the terms and conditions related to the insurance cover

available to you or where the policy is terminated. A new Policy

Information Booklet reflecting the changes will be available on

www.anz.com/allianz.

CONTENTS

Important Information

about the Complimentary Cover Available ................................... 1

Introduction ......................................................................................................... 1

Allianz - the insurer .......................................................................................... 1

ANZ is not the issuer (insurer) of this cover ..................................... 2

Termination or variation of cover ........................................................... 2

Other insurances ............................................................................................... 3

Limitation of cover ........................................................................................... 3

Eligible cards ........................................................................................................ 3

Allianz Global Assistance Privacy Notice ........................................ 4

Definitions .................................................................................................. 6

International Travel Insurance

(for people aged under 81 years) ....................................................15

Part A - Eligibility for Cover .......................................................................15

Part B - Period of Cover ...............................................................................16

Part C - Benefits Limits .................................................................................17

Part D - Excesses and General Exclusions ........................................22

Part E - The Cover Available ......................................................................26

Domestic Travel Insurance .................................................................55

Part A - Eligibility for Cover .......................................................................55

Part B - Period of Cover ...............................................................................56

Part C - Benefit Limits ...................................................................................56

Part D - Excesses and General Exclusions ........................................57

Part E - The Cover Available ......................................................................59

Rental Vehicle Excess Insurance in Australia ...............................69

Part A - Eligibility for Cover .......................................................................69

Part B - Period of Cover ...............................................................................69

Part C - Benefit Limits ...................................................................................69

Part D - Excess and Exclusions ................................................................69

Part E - The cover available .......................................................................71

Purchase Protection Insurance .........................................................72

Part A - Eligibility for Cover .......................................................................72

Part B - Period of Cover ...............................................................................72

Part C - Benefit Limits ...................................................................................72

Part D - Excess and Exclusions ................................................................73

Part E - The Cover Available ......................................................................74

Extended Warranty Insurance ...........................................................76

Part A - Eligibility for Cover .......................................................................76

Part B - Period of Cover ...............................................................................76

Part C - Benefit Limits ...................................................................................76

Part D - Excess and Exclusions ................................................................77

Part E - The Cover Available ......................................................................77

Claims ........................................................................................................79

How to make a claim ...................................................................................79

Depreciation ......................................................................................................80

Claims are payable in Australian dollars ...........................................81

Recovery .............................................................................................................81

How GST may affect your claim ............................................................82

Fraud.......................................................................................................................82

Complaints and Disputes ...................................................................83

General Insurance Code of Practice ................................................83

THE INSURER IS

Allianz Australia Insurance Limited, ABN 15 000 122 850,

AFSL 234708, Level 16, 10 Carrington Street, Sydney, NSW 2000,

telephone 13 10 00.

THE GROUP POLICY IS ISSUED AND MANAGED BY

AWP Australia Pty Ltd, ABN 52 097 227 177, AFSL 245631,

trading as Allianz Global Assistance, of Level 16, 310 Ann Street,

Brisbane, QLD 4000, telephone 1800 091 710.

IMPORTANT INFORMATION

ABOUT THE COMPLIMENTARY

COVER AVAILABLE

INTRODUCTION

This booklet describes the complimentary insurance benefits

provided by Allianz Australia Insurance Limited (Allianz), which

are available to ANZ cardholders and other eligible beneficiaries.

Cover applies to events occurring on or after 7 June 2024. You

are not covered for events occurring after termination of, or

the expiry of, the period of the Group Policy. ANZ will provide

accountholders with details of any replacement cover.

ALLIANZ - THE INSURER

These covers are available under the Group Policy issued to

Australia and New Zealand Banking Group Limited, ABN 11 005

357 522, AFSL and Australian credit licence No 234527 (ANZ)

of Level 9, 833 Collins Street, Docklands, VIC 3008, by AWP

Australia Pty Ltd, ABN 52 097 227 177, AFS Licence No 245631

trading as Allianz Global Assistance of 310 Ann Street, Brisbane

QLD 4000 (Allianz Global Assistance) under a binder from the

insurer, Allianz Australia Insurance Limited, ABN 15 000 122 850,

AFS Licence No. 234708, Level 16, 10 Carrington Street, Sydney,

NSW 2000 (Allianz). For general enquiries call Allianz Global

Assistance. Allianz Global Assistance issues and manages the

Group Policy on behalf of Allianz.

The covers described in this booklet are available for your

benefit under the Group Policy entered into between Allianz

Global Assistance (on behalf of Allianz) and ANZ. ANZ is the

policy owner. When eligible, you have the benefit of cover as a

third party beneficiary by reason of the statutory operation of

Section 48 of the Insurance Contracts Act 1984 (Cth).

There is no obligation to accept any of these benefits. However,

if you wish to claim any of these benefits, you will be bound by

the definitions, terms, conditions, exclusions, limits, applicable

sub-limits and claims procedures contained in this booklet.

Please read this booklet carefully and keep it in a safe place.

Also please keep detailed particulars and proof of any loss.

Examples may include sales receipts and ANZ card account

statements showing any purchases.

ANZ IS NOT THE ISSUER (INSURER) OF

THIS COVER

ANZ is not the issuer of these covers and neither it nor any of

its related corporations guarantee or are liable to pay any of the

benefits under these covers.

These benefits are available to the beneficiaries upon meeting

the eligibility requirements under these covers. Neither ANZ nor

any of its related corporations are Authorised Representatives

of Allianz, Allianz Global Assistance or any of their related

companies and ANZ does not receive any commission or

remuneration in relation to the insurance set out in this booklet.

TERMINATION OR VARIATION OF COVER

ANZ or Allianz may terminate or agree to vary the terms,

conditions and cover available to cardholders under the Group

Policy as set out in this booklet. If this occurs, ANZ will give

the accountholder at least 30 days' written notice before the

termination or change takes effect. ANZ may give less notice, or

publish the notice on ANZ’s website if:

• there is a minor change with no effect to the cardholders’

cover or the eligibility criteria (e.g. a change of contact

details);

• the variation is favourable to the cardholder (in which case

ANZ will take reasonable steps to provide written notice as

soon as reasonably possible); or

• ANZ and Allianz are reasonably required to act quickly to

change the terms of the Group Policy to manage material

and immediate risks arising from:

- a potential or actual breach of any law; or

- a proposed change in, or interpretation of, a law or any

decision, recommendation, regulatory guidance or

standard of any court, tribunal, ombudsman service,

regulatory or other similar body.

A risk will be considered material and immediate if to protect

ANZ and/or Allianz’ legitimate business interests, ANZ and/or

Allianz are required to act quickly to change the terms, conditions

and/or cover, or terminate the cover, as set out in this booklet.

Where there is a termination or change to the terms, conditions

and/or cover as set out in this booklet, the existing terms,

conditions and/or cover will only apply to events occurring

before the date of the change or termination.

Where the Group Policy is terminated, no cover is available for

events occurring after the date of termination. ANZ will provide

accountholders with details of any replacement cover and its

relevant effective date.

OTHER INSURANCES

If you are entitled to receive a benefit or make a claim under

another insurance policy (Other Policy), in respect of the same

loss as your claim under the Group Policy, then, subject to the

provisions of the Insurance Contracts Act 1984 (Cth) Allianz is

not liable to provide indemnity under the Group Policy until the

amount of any indemnity under that Other Policy is exhausted.

In other words, any cover available under the Group Policy in

respect of the same loss shall only be excess insurance cover

over and above the applicable Other Policy.

If you make a claim under another insurance policy and you

are not paid the full amount of the claim, then, subject to

the provisions of the Insurance Contracts Act 1984 (Cth), the

cover available to you under the Group Policy will make up the

difference, to the extent of cover that applies, in accordance with

the terms and conditions contained in this booklet.

Should we make payment to you for the full amount of the

claim, we may seek contribution from your other insurer. In

such circumstances, you must give us any information that we

reasonably require to help us make a contribution claim from

the other insurer.

LIMITATION OF COVER

Regardless of anything contained in this Policy to the contrary,

we shall not be liable to provide any cover or benefit or pay

any claim where the provision of cover or benefit or payment

of claim would constitute a breach of any trade or economic

sanction, embargo, prohibition or restriction imposed by any

of the following: United Nations, United States of America,

Australia, European Union, United Kingdom, or New Zealand, or

any other applicable national trade or economic sanctions, laws

or regulations. This applies where such geographical location,

provision of goods, services or other reasons shall contravene

such sanction, embargo, prohibition or restriction.

ELIGIBLE CARDS

The complimentary insurance outlined in this booklet is available

to the eligible beneficiaries of the following credit cards:

• ANZ Frequent Flyer Platinum

• ANZ Frequent Flyer Black

• ANZ Rewards Platinum

• ANZ Rewards Travel Adventures

• ANZ Rewards Black

• ANZ Platinum

ALLIANZ GLOBAL ASSISTANCE

PRIVACY NOTICE

To offer or provide you with our insurance services, we, namely

AWP Australia Pty Ltd ABN 52 097 227 177 trading as ‘Allianz

Global Assistance’ and as agent for the insurer Allianz, collects,

stores, uses, and discloses your personal information including

sensitive information. The insurance cover arises from a Group

Policy taken out between your bank (ANZ) and Allianz and under

which you are entitled to cover as a beneficiary when you meet

the eligibility criteria set out in the Group Policy wording.

We usually collect your personal information directly from you,

but sometimes from others depending upon the circumstances.

For example, when you make a claim for cover, we may

collect your personal information from you, the Group Policy

holder (to check you have met eligibility requirements), your

family members and travel companions, as well as from third

parties that provide services including doctors, hospitals,

airlines, travel and accommodation providers, your agents and

representatives, our agents, and other service providers. We are

responsible for ensuring your personal information is used and

protected in accordance with applicable laws and regulations,

including the Privacy Act 1988 (Cth). We collect your personal

information to enable us to properly assess and manage your

insurance claim, and to provide the services we have agreed to

provide under the Group Policy. For example, we collect your

name, address, date of birth, email address, and sometimes

your medical information, bank account details, as well as other

information we collect through devices like ‘cookies’ when you

visit our website such as your IP address and online preferences.

We use your personal information to offer and provide our

services and to manage your and our rights and obligations in

connection with your claim. For instance, we use it to check,

process, and finalise your insurance claim. We may also use it

for product development, customer data analytics, research, IT

systems maintenance and development, recovery against third

parties, for the detection and investigation of fraud, and for

other purposes with your consent or where permitted by law.

We do not use your personal or sensitive information for

marketing purposes or provide that information to any third

parties for marketing.

Your personal information may be disclosed to third parties

(some of whom are data processors) who assist us to carry out

the above activities both inside and outside of Australia, such as

claims management providers, travel agents and intermediaries,

insurers, investigators, cost containment providers, medical

and health service providers, overseas data storage (including

‘cloud’ storage) and data handling providers, legal and other

professional advisers, your agents, your travel group leader if

you travel in a group, your bank (ANZ) if you are the beneficiary

of the bank’s credit card insurances, insurance reference

bureaux, and our related and group companies including

Allianz. Some of these third parties may be located in other

countries including in Europe, Asia, Canada, or the USA.

When you provide personal information to us about other

individuals, we rely on you to have first obtained the individual’s

consent, and to have made them aware of the matters set out

in this Privacy Notice.

You may also seek access to your personal data and ask us to

correct and update it. We will delete your personal data when

we no longer need it for a legitimate purpose.

You may not access or correct personal information of others

unless you have been authorised by their express consent, or

unless they are your dependants under 16 years of age.

If you have a request or complaint concerning your personal

information or about data privacy, please contact: The Privacy

Officer, Allianz Global Assistance, PO Box 162, Toowong, QLD

4066, or email DataPrivacyAU@allianz-assistance.com.au.

You can also contact the Privacy Commissioner at the Office

of The Australian Information Commissioner, GPO Box 5288,

Sydney, NSW 2001 if you have a complaint.

For more information about our corporate privacy policy and

handling of personal information, including further details

about access, correction and complaints, please visit our

website at www.allianz-assistance.com.au and click on the

‘Privacy & Security’ link in the footer.

If you do not agree with the matters set out in our privacy

policy or will not provide us with the personal information we

request, we may not be able to provide you with our services

including the assessment and payment of any claims. In cases

where we cannot comply with your request concerning your

personal information, we will give you reasons why.

DEFINITIONS

There are some words in this booklet that have a special

meaning. When the following words and phrases appear in this

booklet they have the meanings given below. The use of the

singular shall also include the use of the plural and vice versa.

Word Meaning

accident

accidental

accidentally

a sudden, unforeseen and unintended

event.

accountholder an ANZ customer, being an individual,

business entity or company, who has

entered into a card account with ANZ

and in whose name the card account

was opened. The accountholder is the

individual, business entity or company

that has contractual obligations with ANZ

under the card account.

Allianz Allianz Australia Insurance Limited, ABN 15

000 122 850, AFSL 234708.

Allianz Global

Assistance

AWP Australia Pty Ltd, ABN 52 097 227 177,

AFSL 245631.

ANZ Australia and New Zealand Banking Group

Limited, ABN 11 005 357 522, AFSL and

Australian credit licence No 234527.

ANZ Credit

Card

a current and valid:

• ANZ Frequent Flyer Platinum; or

• ANZ Frequent Flyer Black; or

• ANZ Rewards Platinum; or

• ANZ Rewards Travel Adventures; or

• ANZ Rewards Black; or

• ANZ Platinum.

ANZ Black

Credit Card

the following cards issued by ANZ:

• ANZ Frequent Flyer Black; or

• ANZ Rewards Black.

ANZ Platinum

Credit Card

the following cards issued by ANZ:

• ANZ Frequent Flyer Platinum; or

• ANZ Rewards Platinum; or

• ANZ Rewards Travel Adventures; or

• ANZ Platinum.

card account • A current and valid ANZ Credit Card

facility provided by ANZ to which

purchases made by cardholders on an

ANZ Credit Card are charged; or

• the primary account linked to an ANZ

Credit Card to which a transaction is

routed by any electronic funds transfer

facility.

cardholder a person who resides in Australia (including

holders of a visa issued under the Migration

Act 1958 (Cth) which entitles the holder of

the visa to residency), to whom ANZ has

issued an ANZ Credit Card (this includes

primary and additional cardholders).

chronic a persistent and lasting condition. It may

have a pattern of relapse and remission.

concealed

storage

compartment

a boot, trunk, glove box, enclosed centre

console, or concealed cargo area of a

vehicle.

covered

breakdown

the failure of a covered item to operate for

the purpose for which it was designed, as a

direct result of a breakdown or defect. This

does not include where the breakdown

or defect is covered by the terms of the

manufacturer’s warranty.

covered item an item acquired for personal, domestic or

household use but excludes:

• items acquired for the purpose of sale

or trade;

• animals or plant life;

• boats, automobiles, motorboats,

motorcycles, airplanes or any other

motorised vehicles and their integral

parts and installed accessories;

• computer software and other non-

tangible items;

• cash, bullion, negotiable instruments,

vouchers, gift cards, securities, trading

cards, tickets of any description,

travellers cheques or collections such as

stamps, coins and cards;

• consumable or perishable items

(including but not limited to food, drink,

drugs, cosmetics, fuel or oil);

• manuscripts and books of account;

• second-hand items including works of

art and antiques;

• items of contraband;

• real estate and movable fixtures or

fittings (including but not limited to

dish washers, stoves, ovens and fixed air

conditioners) which are or are intended

to form part of any home or real estate.

dependant • your child (including step-child,

adopted child, foster child and child

you care for under a legal guardian

arrangement), not in full-time

employment who is aged under 25

years at the time that their eligibility for

cover is met; or

• a person who is physically or mentally

incapable of self-support who the

cardholder has custody of and who lives

with the cardholder.

Dependant does not include any person

other than those listed.

epidemic an infectious disease that rapidly

spreads to a large number of people in a

community, population or region, that is

recognised or referred to as an epidemic

by the World Health Organisation (WHO)

or an official government authority.

excess the deduction we will make from the

amount otherwise payable for each

claimable incident or event.

financial

default

insolvency, bankruptcy, provisional

liquidation, financial collapse, appointment

of receivers, or any other form of insolvency

administration or the happening of

anything of a similar nature under the laws

of any jurisdiction.

funeral

expenses

the costs charged by a funeral director

for arranging a funeral service and by a

cemetery for a burial or a crematorium for

a cremation. It does not include the cost

of memorialisation or any other costs.

Group Policy an insurance policy on the terms and

conditions set out in this booklet, issued

by Allianz Global Assistance on behalf of

the Insurer Allianz to ANZ, under which

the Insurer, by operation of section 48

of the Insurance Contracts Act, provide

insurance cover benefits for ANZ

cardholders (including spouses and/or

dependant/s) as third party beneficiaries

(as that term is defined in the Insurance

Contracts Act).

home the place where you normally live in

Australia.

hospital an established hospital registered under

any legislation that applies to it, that

provides in-patient medical care. It does

not include any institution used primarily

as a nursing or convalescent home, or

a place for the treatment of alcoholism,

drug addiction or substance addiction.

income the amount of money you earn from

your employment in a trade, business,

profession or occupation after the

deduction of income tax.

injure

injured

injury

bodily injury caused solely and directly

by violent, accidental, visible and external

means, which happens at a definite time

and place during the period of cover

available and does not result from any

illness, sickness or disease.

journey travel which begins when you leave home

or your place of business to commence

your travel and ends when you arrive

back home or at a hospital or nursing

home in Australia (if you are evacuated or

repatriated), whichever happens earlier.

manufacturer’s

warranty

the manufacturer’s written warranty,

properly registered with the manufacturer,

that is applicable and able to be fulfilled

within Australia.

medical

adviser

a doctor, a clinical psychologist or a dentist,

who is not you, your travel companion

or a relative or an employee of you, your

travel companion or a relative, holding

the necessary certification for the country

in which they are currently practicing

and qualified to give the diagnosis being

provided.

medical

expenses

reasonable expenses incurred for:

• medical, paramedical or surgical

treatment and other treatment given or

prescribed by a medical adviser; or

• ambulance or hospital charges; or

• dental treatment arising as a result of

an injury.

mental illness any illness, condition or disorder listed in

the current edition of the Diagnostic and

Statistical Manual of Mental Disorders

(Used by clinicians and psychiatrists to

diagnose psychiatric illnesses. Consult your

medical advisor for more information).

motorcycle any two-wheeled or three-wheeled motor

vehicle.

natural

disaster

any event or force of nature that has

catastrophic consequences, such as

avalanche, earthquake, flood, bush fire,

hurricane, tornado, cyclone, tsunami and

volcanic eruption, but not epidemics or

pandemics.

overseas outside of Australia and its territories, and

includes when you are aboard a foreign

registered cruise vessel in Australian

territorial waters.

pandemic an epidemic that spreads to multiple

countries, continents, or worldwide, that

is recognised or referred to as a pandemic

by the World Health Organisation (WHO)

or an official government authority.

permanent

disability

permanent loss of all the sight in one or

both eyes, or the use of a hand at or above

the wrist or a foot at or above the ankle.

pre-existing

medical

condition

a condition of which a reasonable person

in the circumstances, should have been

aware at the time eligibility for the cover

available was met, including:

• any dental condition; or

• any physical condition; or

• pregnancy; or

• any lifelong illness; or

• any chronic illness; or

• any mental illness; or

• any current or previously treated cancer,

any condition which, in the last two years:

• was treated by surgery (including day

surgery); or

• required regular medication; or

• required on-going treatment; or

• was referred to a specialist medical

adviser; or

• had regular reviews or check-ups; or

• caused admission to hospital; or

• was treated at a hospital emergency

department or out-patient clinic.

pregnancy-

arising from or directly connected with

the process and changes in a mother

resulting from a developing foetus. It

covers the mother and foetus, as per

the limits and conditions of cover set

out in this policy, when either requires

emergency medical care.

proof of

ownership and

value

receipts, invoices, valuations, and other

documents directly showing ownership

and value. Where direct proof of

ownership or valuation is not reasonably

available to the insured and depending

upon the value and nature of the claim, it

can include statutory declarations or other

information which show the insured is

most likely the owner.

quad bike a motorised vehicle designed to travel

on four or more wheels, having a seat

straddled by the operator and handlebars

for steering control.

reasonable • for covered medical, hospital or dental

expenses – at the standard level of care

given in the country you are in but not

exceeding that provided through the

public hospital system in Australia;

• for covered booking and travel-related

expenses – a level comparable to those

you have booked for the rest of your

journey. If no similar booked travel

arrangements or for covered expenses

of relatives, a level that is appropriate

and moderate in the circumstances, not

extravagant;

• for covered funeral expenses – a level

that in the circumstances is moderate,

not premium;

• for situations where we ask you to do

something such as to assist us, or to

provide documents or information,

or to take reasonable care or to make

reasonable efforts - to the extent that is

practically achievable by you and within

your control or ability using ordinary

efforts;

• for reasonable medical advice - advice

provided by a doctor or other medically

qualified practitioner experienced in the

medical issue in question and engaged

either on your behalf or on our behalf to

provide medical advice;

• for legal costs or expenses - the usual

or normal legal costs and expenses

incurred in defending or settling a claim,

including engaging a mid-tier firm of

lawyers, their reasonable disbursements

etc, not extravagant;

• for conduct, acts or knowledge of

‘a reasonable person’ - what would

be expected of an average person in

the circumstances having regard to

common community standards and

fairness, and achievable by the insured

through normal endeavours;

• for any other circumstances - what

is reasonable in the circumstances,

having regard to common community

standards, and fairness.

Reciprocal

Health Care

Agreement

an agreement between the Government of

Australia and the government of another

country where Australian residents are

provided with subsidised essential medical

treatment. (Please visit www.dfat.gov.au for

details of Reciprocal Health Care Agreements

with Australia).

relative • spouse, fiance, fiancee;

• parent, parent-in-law; step parent,

guardian; grandparent;

• child, grandchild, step child, foster child,

ward;

• brother, half brother, step brother,

brother-in-law, sister, half sister, step

sister, sister-in-law;

• daughter-in-law, son-in-law; or

• uncle, aunt, niece, nephew.

Relative does not include any other

person.

rental vehicle a campervan/motorhome that does

not exceed 4.5 tonnes, a sedan, coupe,

hatchback, station-wagon, SUV, four wheel

drive or mini bus/people mover rented

from a licensed motor vehicle rental

company or agency. Rental vehicle does

not include any other vehicle irrespective

of type or weight.

return

domestic flight

ticket

a flight ticket to and from a destination in

Australia and its territories on a scheduled

commercial passenger airline.

return

overseas travel

ticket

an air or cruise ticket departing from and

returning to Australia.

sick, sickness a medical condition (including a mental

illness), not being an injury, the signs or

symptoms of which first occur or manifest

during the period of cover available.

special event a wedding, funeral, conference, 25th

or 50th wedding anniversary, pre-paid

sporting event, pre-paid concert, pre-paid

cruise or pre-paid tour which before you

left Australia you had planned to attend.

Special event does not include any other

event.

sporting

equipment

equipment needed and used to

participate in a particular sport and which

can be carried about with you.

spouse the partner of the cardholder who is

in a permanent relationship with the

cardholder at the time the journey starts.

transaction

card

a debit card, credit card or travel money

card.

transportation a commercial airline aircraft, vehicle, taxi,

train, ride share, bus or short-haul ferry

(but not a cruise ship) that is licensed or

authorised to carry fare-paying passengers.

Transportation does not include any

other means of transport including light

aircraft or hot air balloons (whether

licensed or not) or hire vehicles under the

control of the insured.

travel

companion

a person with whom you made

arrangements before the journey began,

to travel with you for at least 50% of the

period of cover available for your journey.

Travel companion does not include any

other person.

valuables jewellery, watches, precious metals or

semi-precious stones/precious stones

and items made of or containing

precious metals or semi-precious

stones/precious stones, furs, binoculars,

telescopes, computer games, any kind

of photographic, audio, video, computer,

television, fax and phone equipment

(including mobile phones), tablets, MP3/4

players and PDAs.

we, our, us Allianz Australia Insurance Limited, ABN 15

000 122 850, AFSL 234708 and its agent

AWP Australia Pty Ltd, ABN 52 097 227

177, AFSL 245631 trading as Allianz Global

Assistance.

you, your,

yourself

accountholder, cardholder, spouse or

dependants if they are eligible for the

cover available.

INTERNATIONAL TRAVEL

INSURANCE (FOR PEOPLE AGED

UNDER 81 YEARS)

PART A - ELIGIBILITY FOR COVER

WHO IS ELIGIBLE?

As a cardholder with an ANZ Credit Card you are eligible for the

cover available under this International Travel Insurance when

you meet all of the following criteria:

1. you reside in Australia or are the holder of a visa issued

under the Migration Act 1958 (Cth) which entitles you to

residency;

2. before leaving Australia you spend at least $250 on your

prepaid travel costs (i.e. your travel costs that you pay for

before leaving Australia) and you charge these costs (e.g.

cost of your return overseas travel ticket; and/or airport/

departure taxes; and/or your prepaid overseas

accommodation/ travel; and/or your other prepaid overseas

itinerary items) to the accountholder’s card account;

3. you have a return overseas travel ticket before leaving

Australia; and

4. you are aged under 81 years at the time you become

eligible for the cover available by meeting conditions 1 to 3

listed above.

WHO ELSE IS ELIGIBLE?

If the cardholder becomes eligible for the cover available, a

spouse and/or dependant(s) also becomes eligible, when each of

them individually meets all of the following eligibility criteria:

1. the spouse and/or dependants reside in Australia or are

the holder of a visa issued under the Migration Act 1958

(Cth) which entitles them to residency; and

2. each spouse and/or dependant is travelling with the

cardholder for at least 50% of the period of cover available to

the cardholder for the cardholder’s overseas journey; and

3. each spouse and/or dependant has a return overseas travel

ticket before leaving Australia; and

4. each spouse and/or dependant is aged under 81 years at

the time they each become eligible for the cover available

by meeting conditions 1 to 3 listed above.

When a cardholder, spouse and dependant are travelling

together only one eligible person can claim the benefits

payable to a cardholder. The other eligible persons may

only claim as a spouse or dependant. For example, when a

spouse is also a cardholder, if they do not meet the eligibility

requirements as a cardholder they can only claim as a spouse,

not a cardholder.

DEPENDANTS UNDER THE AGE OF TWO YEARS

AT THE DATE THE JOURNEY COMMENCES

If a cardholder satisfies the eligibility criteria set out above,

their dependant(s) under the age of two years as at the date

the journey commences is eligible for the cover provided

the dependant is travelling with the cardholder for at least

50% of the period of cover available to the cardholder for the

cardholder’s overseas journey.

No cover is available for dependants born on the journey. Refer

to the Pregnancy section in Part E - The Cover Available.

PART B - PERIOD OF COVER

If you have met all the criteria listed under Part A - Eligibility for

Cover before leaving Australia, the following maximum period

of cover is available for your journey.

Period of Cover

Up to six (6) consecutive months for ANZ Black Credit

Card cardholders, their spouses and/or dependants. Up to

three (3) consecutive months for ANZ Platinum Credit Card

cardholders, their spouses and/or dependants.

The maximum period of cover available for your journey cannot

be extended by you.

The period of cover available under Section 2.1 Cancellation

begins on the date you become eligible by meeting the criteria

set out in Part A - Eligibility for Cover.

Provided you meet the eligibility criteria set out in Part A -

Eligibility for Cover, the period of cover available for all other

insured events commences when you leave your home to start

your journey or on the departure date shown on your return

overseas travel ticket, whichever occurs later.

Cover available under all sections ends when the first of the

following occurs:

• when you return to your home; or

• when you arrive at a hospital or nursing home in Australia (if

you are evacuated or repatriated); or

• at midnight on the date when you are due to return to your

home as shown on your return overseas travel ticket; or

• six (6) consecutive months for ANZ Black Credit Card

cardholders, their spouses and/or dependants or three

(3) consecutive months for ANZ Platinum Credit Card

cardholders, their spouses and/or dependants after the date

of departure shown on your return overseas travel ticket; or

• when you cancel your return overseas travel ticket.

If you have a return overseas travel ticket and during your period

of cover your return to Australia is delayed due to an event that is

covered under this policy, or because your scheduled means of

transport is delayed for reasons beyond your control:

• the period of cover available will automatically be extended

by us for up to four (4) consecutive weeks; or

• if you are under the care of a medical adviser overseas who

certifies in writing that you are incapable of travel at the

end of the additional four (4) consecutive weeks, cover will

continue for expenses and evacuation for up to twelve (12)

consecutive months from the date of your departure from

Australia; or

• until you are medically fit to return to Australia. The cover

will end on the date that Allianz Global Assistance would

have been able to reasonably facilitate your return to

Australia, provided this falls within twelve (12) consecutive

months from the date of your departure from Australia.

PART C - BENEFITS LIMITS

The table below sets out the amounts and maximum limits

of what we will pay under each section of International Travel

Insurance. All limits and sub-limits in the table are shown in

Australian dollars.

The cover available is outlined in Part E - The Cover Available

and is subject to the applicable terms, conditions, exclusions,

limits and applicable sub-limits. The cover described in the

table below is a summary only.

All costs and expenses claimed must be necessary and

reasonable.

Section Limit

1.1 Overseas Emergency

Assistance (including

medical evacuation

and repatriation)

$20 million

1.2 Overseas Emergency

Medical

$20 million

Section Limit

1.3 Overseas Emergency

Dental (spontaneous

toothache)

Up to a maximum total limit

of $2,000 per cardholder

or spouse. Dependants

are included in the limit

available to the cardholder

or spouse.

1.4 Hospital Cash

Allowance

$75 per person per day up

to a maximum total limit

of $8,000 per cardholder

or spouse. Dependants

are included in the limit

available to the cardholder

or spouse.

1.5 Accidental Death $50,000 per cardholder

$50,000 per spouse

$25,000 per dependant

up to a maximum total limit

of $150,000

1.6 Funeral Expenses Up to a maximum total limit

of $25,000 per cardholder

or spouse. Dependants

are included in the limit

available to the cardholder

or spouse.

1.7 Loss of Income Your verified income per

week, up to a maximum

total limit of $10,000 each

for a cardholder or spouse.

No cover is available for

dependants.

1.8 Assault requiring

Hospital Admission

$500 per person

1.9 Permanent Disability $50,000 per cardholder

or spouse. Dependants

are included in the limit

available to the cardholder

or spouse.

2.1 Cancellation Up to a maximum total limit

per cardholder or spouse

of $20,000 (dependants

are included in the limit

available to the cardholder

or spouse) except:

Section Limit

2.1.1b] Travel agents

cancellation fees

Up to $2,000 or the level of

commission or service fee

earned on the booking by

the travel agent, whichever

is the lesser.

2.1.1d] Rescheduling

your journey

Up to $75 per day, up to a

maximum total limit of $500

per person for reasonable

additional meal costs.

Up to a maximum total

limit of $250 per person

for reasonable internet use

and telephone expenses to

reschedule your journey.

2.2 Withdrawal of Services Up to $50 per person per 24

consecutive hours, up to a

maximum total limit of $500

per cardholder or spouse.

Dependants are included

in the limit available to the

cardholder or spouse.

3.1 Additional Expenses Up to a maximum total limit

of $100,000

3.2 Travel Delay Expenses After six (6) consecutive

hours, up to $50 for

meals and $250 for

accommodation per 24

consecutive hours, up to

a maximum total limit

of $2,000 per cardholder

or spouse. Dependants

are included in the limit

available to the cardholder

or spouse.

3.3 Alternative Transport

Expenses

Up to a maximum total limit

of $2,000 per cardholder

or spouse. Dependants

are included in the limit

available to the cardholder

or spouse.

Section Limit

3.4 Return Home &

Resumption of Journey

following the Death or

Hospital Admission of a

Relative

Up to a maximum total limit

of $3,000 per cardholder

or spouse. Dependants

are included in the limit

available to the cardholder

or spouse.

3.5 Domestic Pet

Accommodation

Up to a maximum total

limit of $500 per cardholder

or spouse. Dependants

are included in the limit

available to the cardholder

or spouse.

3.6 Emergency

Accommodation due

to Terrorism

Up to $300 per person,

per day, up to a maximum

total limit of $3,000 per

cardholder or spouse.

Dependants are included

in the limit available to the

cardholder or spouse.

3.7 Hijack Up to a maximum total limit

of $10,000 per cardholder

or spouse. Dependants

are included in the limit

available to the cardholder

or spouse.

4.1 Luggage Up to a maximum total limit

of $12,000 per cardholder

or spouse, dependants

are included in the limit

available to the cardholder

or spouse, subject to the

following limits:

4.1.1a] Stolen,

accidentally damaged

or permanently lost

covered items

Up to $4,000 per item for

computers, cameras and

video cameras.

Up to $1,000 per item for

any other covered item,

including mobile phones.

4.1.1b] Covered items

left in a vehicle during

daylight hours

Up to a maximum total limit

of $5,000

Section Limit

4.1.1c] Valuables left in

a vehicle or checked-in

luggage

No cover available, except

for the items described in

the circumstances under

4.1.1c] of Part E – The Cover

Available, which is limited

to the maximum item limits

in 4.1.1a].

4.2 Travel Documents, Transaction Cards & Travellers

Cheques

4.2.1a] Reissue or

replacement cost

Up to a maximum total limit

of $3,000 per cardholder

or spouse. Dependants

are included in the limit

available to the cardholder

or spouse.

4.2.1b] Fraudulent use Up to a maximum total limit

of $3,000 per cardholder

or spouse. Dependants

are included in the limit

available to the cardholder

or spouse.

4.3 Luggage Delay Up to $500 after a delay of

10 consecutive hours, and

an additional $1,000 after

a delay of 72 consecutive

hours, up to a maximum

total limit of $1,500 per

cardholder or spouse.

Dependants are included

in the limit available to the

cardholder or spouse.

4.4 Replacement Sporting

Equipment

Up to a maximum total

limit of $200 per cardholder

or spouse. Dependants

are included in the limit

available to the cardholder

or spouse.

5.1 Rental Vehicle Excess

5.1.1a] Rental vehicle

damage or theft

Up to a maximum total limit

of $5,000 per cardholder

or spouse. Dependants

are included in the limit

available to the cardholder

or spouse.

Section Limit

5.1.1b] Return of

rental vehicle

Up to a maximum total

limit of $750 per cardholder

or spouse. Dependants

are included in the limit

available to the cardholder

or spouse.

6.1 Personal Liability Up to a maximum total limit

of $3,000,000 per event

for a cardholder or spouse.

Dependants are included

in the limit available to the

cardholder or spouse.

6.2 Legal Expenses Up to a maximum total limit

of $15,000 per cardholder

or spouse. Dependants

are included in the limit

available to the cardholder

or spouse.

PART D - EXCESSES AND GENERAL

EXCLUSIONS

EXCESSES - WHAT YOU CONTRIBUTE TO A CLAIM

You must pay the following excess amounts for each claim

made under the following covers even if a number of claims are

submitted on the one claim form. However If you make more

than one claim as the result of a single event, the highest excess

will apply but will only apply once.

Section

Excess

amount

1.1 Overseas Emergency Assistance

(including Medical Evacuation and

Repatriation)

Nil

1.2 Overseas Emergency Medical $500

1.3 Overseas Emergency Dental

(spontaneous toothache)

$500

1.4 Hospital Cash Allowance Nil

1.5 Accidental Death Nil

1.6 Funeral Expenses Nil

1.7 Loss of Income Nil

1.8 Assault requiring Hospital Admission Nil

1.9 Permanent Disability Nil

2.1 Cancellation $500

2.2 Withdrawal of Services Nil

3.1 Additional Expenses $500

3.2 Travel Delay Expenses Nil

3.3 Alternative Transport Expenses Nil

3.4 Return Home & Resumption of Journey

following the Death or Hospital

Admission of a Relative

Nil

3.5 Domestic Pet Accommodation Nil

3.6 Emergency Accommodation due to

Terrorism

Nil

3.7 Hijack Nil

4.1 Luggage $500

4.2 Travel Documents, Transaction Cards &

Travellers Cheques

Nil

4.3 Luggage Delay Nil

4.4 Replacement Sporting Equipment Nil

5.1 Rental Vehicle Excess Nil

6.1 Personal Liability Nil

6.2 Legal Expenses Nil

GENERAL EXCLUSIONS

The general exclusions below set out what is not covered. You

should read each section as they contain specific exclusions

that also apply. To the extent permitted by law, we do not cover

you for any loss, damage or expense caused by or arising from:

1. your loss of enjoyment; loss of opportunity; loss of revenue;

loss of profits or loss of goodwill;

2. you booking or taking travel against medical advice, travel

for the purpose of getting medical treatment or advice, or

travel taken after a medical adviser informs you that you are

terminally ill;

3. your intentional self harm or your suicide or your attempted

suicide;

4. your claim arises from, or is caused, or is contributed to, by

you being affected by any intoxicating liquor or drug to the

extent that your physical, or mental functions, or your

judgement are impaired, except a drug prescribed to you

by a medical adviser, and taken in accordance with their

instructions;

5. any expense arising from or in any way related to:

• regular or routine antenatal care;

• childbirth at any gestation (except when arising from an

injury or sickness);

• care of a newborn child;

• the period after the end of the 26

week of your

pregnancy (the 26

week of your pregnancy is

calculated based on your estimated date of delivery as

confirmed in writing by your obstetrician);

• pregnancy related sickness if you have had

complications in your pregnancy before you became

eligible for cover;

6. you not following 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.

7. flying other than when you are travelling as a passenger in:

• a fully licensed aircraft operated by an airline or charter

company; or

• a regulated or licensed hot air balloon;

8. your participation in any dangerous activities or your

exposure of yourself to danger during your journey unless

in an attempt to preserve your life or the life of another

person, such as:

• scuba diving unless you hold an open water diving

certificate or are diving with a qualified and registered

diving instructor;

• mountaineering or rock climbing requiring the use of

ropes and/or climbing equipment, racing (other than

amateur racing on foot), white water rafting, white water

boating, abseiling, parasailing, skydiving, hang gliding,

base jumping, bungy jumping, pot holing, canyoning,

caving, fire walking, running with the bulls, rodeo riding,

polo playing, hunting, shooting, archery, tobogganing,

water skiing, jet skiing, off-piste snow skiing, off-piste

snowboarding or snowmobiling;

• quad bike or motorcycle riding during your journey

unless it involves you only driving a motorcycle, with an

engine capacity of 200cc or less, for which you hold a

valid motorcycle licence in Australia or a licence valid for

the country you are travelling in if your Australian licence

is not recognised in that country; or

• any other similar activity that a reasonable person would

consider dangerous;

9. any kind of training for, coaching or competing in any

sporting event where you are entitled to receive, or are

eligible to receive, an appearance fee, wage, salary or prize

money in excess of $1,000;

10. your claim arises from, or is caused, or is contributed to by

an illegal or criminal act by you, your spouse, your

dependants or any other person acting with your consent

or under your direction;

11. your participation as a crew member or pilot of any

transportation;

12. you or your travel companion’s failure to obtain a visa, a

passport or a passport with a required minimum remaining

validity;

13. the injury, illness or death of any person who is aged 81

years or over at the time you become eligible for cover

under International Travel Insurance;

14. any interference with your travel plans by any government,

government regulation or prohibition or intervention or

official authority;

15. changes in currency rates;

16. your failure to take reasonable care such as failure to wear

appropriate safety equipment;

17. any epidemic or pandemic, unless your claim relates to you

or your travel companion being positively diagnosed as

suffering a sickness recognised as an epidemic or pandemic

and cover is expressly included in the following sections:

• 1.1 Overseas Emergency Assistance

• 1.2 Overseas Emergency Medical

• 2.1 Cancellation

• 3.1 Additional Expenses;

18. any act of war, whether war is declared or not, or from any

rebellion, revolution, insurrection or taking of power by the

military;

19. a nuclear reaction or contamination from nuclear weapons

or radioactivity;

20. biological and/or chemical materials, substances,

compounds or the like used directly or indirectly for the

purpose of harming or to destroy human life and/or create

public fear;

21. providing cover or being liable to pay any claim or provide

any benefit under this policy to the extent that the

provision of such cover, payment of such claim or provision

of such benefit would constitute a breach of any trade or

economic sanction, embargo, prohibition or restriction

imposed by any of the following: United Nations, United

States of America, Australia, European Union, United

Kingdom, or New Zealand, or any other applicable national

trade or economic sanctions, laws or regulations. This clause

shall apply where such geographical location, provision of

goods, services or other reasons shall contravene such

sanction, embargo, prohibition or restriction.

PART E - THE COVER AVAILABLE

In order to be sure that you are covered under this policy where

reasonable, you should always call us for approval before you

incur certain expenses. If you do not, we will pay for expenses

incurred up to the amount we would have authorised had you

asked us first.

EPIDEMICS AND PANDEMICS (SUCH AS COVID-19)

If, during the period of cover available, you (including your

spouse and/or dependants who are eligible for cover) are

positively diagnosed as suffering a sickness recognised as an

epidemic or pandemic, such as COVID-19, cover is available to

you under the following sections:

• 1.1 Overseas Emergency Assistance

• 1.2 Overseas Emergency Medical

• 2.1 Cancellation

• 3.1 Additional Expenses

If, during the period of cover available, your travel companion

is positively diagnosed as suffering a sickness recognised as an

epidemic or pandemic, such as COVID-19, which impacts your

journey, cover is available to you under the following sections:

• 2.1 Cancellation

• 3.1 Additional Expenses

Terms, conditions, exclusions, limits and applicable sub-limits

apply. Please refer to Part D - Excesses and General Exclusions and

the exclusions set out in each of the above sections.

For example, you will not be covered if you are positively

diagnosed as suffering a sickness recognised as an epidemic or

pandemic while travelling against an advice or warning issued

by an Australian government and you did not take reasonable

care to avoid contracting the sickness (for example by delaying

travel to the country or part of the country referred to in the

warning), refer to General Exclusions 6 and 16 in Part D for more

information. Please note, this also applies even if the Australian

government has given you permission to travel or you fall under

a specific exemption where there is otherwise a travel ban in

place that prohibits you from travelling.

For all other sections and any other claim arising from, or related

to, epidemics or pandemics, there is no cover.

PRE-EXISTING MEDICAL CONDITIONS

Please ensure that you read the definition of pre-existing

medical condition in the section headed Definitions. The

definition makes reference to ‘a condition of which a reasonable

person in the circumstances should have been aware of’.

Reference to a reasonable person is a reference to what would

have been expected of an average person in the circumstances.

No cover is available for any claims arising from, related

to or associated with, your pre-existing medical condition

unlessAllianz Global Assistance has confirmed in writing to you

that the pre-existing medical condition causing your claim is

covered by the Group Policy.

If you have a pre-existing medical condition that is not covered,

we will not pay any claims arising from, related to or associated

with that condition. This means that you may have to pay for an

overseas medical emergency and any associated costs, which

can be prohibitive in some countries.

Before going overseas, you can apply for assessment of whether

your pre-existing medical condition is covered by the Group

Policy online or over the phone, by using the contact details

shown on the inside front cover of this booklet.

During assessment you must answer all of our questions

honestly and truthfully. If you do not answer all of our questions

honestly and truthfully, your pre-existing medical condition

may not be covered by the Group Policy and any confirmation

of cover issued may be invalid.

If after assessment, Allianz Global Assistance confirm to you that

your pre-existing medical condition is covered by the Group

Policy, you will need to pay an administration fee of $75 for

assessment by phone or online. After payment of any required

administration fee, Allianz Global Assistance will send you

written confirmation (for the period of cover available) if your

pre-existing medical condition is covered by the Group Policy.

This International Travel Insurance does not cover any claim

arising from the pre-existing medical conditions of your

relatives, travel companion or any other person.

PREGNANCY

This International Travel Insurance may not be adequate for

your needs if you are planning to travel beyond the 26th week

of your pregnancy.

No cover is available for a child born during the period of cover

available for your journey unless as a consequence of an injury

or sickness (occurring during the period of cover available).

If you are pregnant when you become eligible for cover, your

pregnancy will be defined as a pre-existing medical condition

however, any complications of your pregnancy arising from

injury or sickness occurring after you became eligible will be

covered by the Group Policy issued to ANZ except if you have

had complications in your pregnancy before you became

eligible for the cover available.

If you fall pregnant after you become eligible, you will be

entitled to the cover available arising from any complications of

your pregnancy caused by injury or sickness.

No cover is available for:

• antenatal care;

• childbirth at any gestation (except when arising from an

injury or sickness);

• care of a newborn child;

• any expenses related to your pregnancy arising after the

end of the 26

week of your pregnancy (the 26

week of

your pregnancy is calculated based on your estimated date

of delivery as confirmed in writing by your obstetrician);

• pregnancy related sickness if you have had complications in

your pregnancy before you became eligible for cover.

These provisions apply whether you fall pregnant naturally or as

a result of medical assistance (such as, through IVF treatment).

Any pregnancy related expenses incurred during your journey

after the end of the 26th week of your pregnancy will not be

covered by this insurance.

As a guide to the cover available for pregnancy under

the Group Policy issued to ANZ, including limitations and

restrictions, please read through the table below.

Your pregnancy Outcome

a] You are not yet

pregnant however,

you are attempting

to become

pregnant or are

undergoing fertility

treatment.

If you become pregnant after

you become eligible for cover,

cover is available for any

complication arising from an

injury or sickness. No cover is

available for the course of any

treatment you are undergoing

at the time your journey

commences.

b] You will require

antenatal care

during the period

of cover for your

journey.

No cover is available for

antenatal care.

c] You are pregnant

and are

undergoing a

course of treatment

at the time your

journey begins.

No cover is available for the

course of treatment you are

undergoing at the time your

journey commences. Cover is

available, for medical expenses

arising out of an injury. Cover

is available for complications

arising from sickness but not

if you have had complications

in your pregnancy before you

became eligible for the cover

available.

d] You are injured or

become sick during

your journey and

give birth as a

consequence.

Cover is available for medical

expenses incurred for the

treatment of your injury or

sickness and the childbirth

occurring as a consequence

of the injury or sickness.

However, no cover is available

for complications arising from

sickness or a childbirth resulting

from sickness if you have had

complications in your pregnancy

before you became eligible for

the cover available.

e] You give birth

naturally during

the period of cover

available for your

journey.

No cover is available either for

the childbirth or care of the

newborn child.

Your pregnancy Outcome

f ] You travel beyond

26 weeks gestation

and give birth

while you are still

overseas.

No cover is available for the

childbirth, care of the newborn

child or any expenses related to

your pregnancy.

EMERGENCY AND MEDICAL SERVICES WHILE

OVERSEAS

Please call emergency services immediately if your condition

is life threatening.

In the event of an emergency overseas, simply call Allianz

Global Assistance at any time on +61 7 3305 7465. Please note,

additional charges may apply for any calls made from mobiles,

public telephones or hotel rooms.

Allianz Global Assistance’s team of medical professionals

is available to you 24 hours a day, 7 days a week for advice

and assistance in the event of a medical emergency and any

associated problems which occur outside Australia.

Allianz Global Assistance has access to a worldwide team of

skilled doctors and medical professionals and provides the

following services:

• Access to medical advisers for emergency assistance and

advice;

• Emergency transportation to the nearest suitable hospital;

• Emergency evacuation, if necessary;

• If requested by you, your family in Australia will be advised

of your medical condition and be kept informed of the

situation;

• Payment guarantees to hospitals for reasonable medical

expenses and cover verification;

• Second opinions on medical matters;

• Urgent message service and emergency travel planning.

TRAVELLING OVERSEAS

You do not have to tell us or ANZ that you will be travelling.

Provided you meet the eligibility criteria (see Part A - Eligibility

for Cover) and comply with the terms and conditions of this

insurance, you will be entitled to the benefits of the cover

available.

In the event of an emergency overseas, contact Allianz Global

Assistance using the contact details shown on the inside front

cover of this booklet. Allianz Global Assistance are available 24

hours a day, seven days a week.

You must take all reasonable precautions to safeguard

your belongings. For example, leaving your belongings

unsupervised, leaving them behind or walking away from them

in a place the public has access to encourages theft and are not

reasonable precautions.

You must take all reasonable steps to safeguard your own

safety and follow the advice and heed the warnings of any

government or government agency and any official body and

heed warnings broadcast in the mass media.

You should have access to this booklet with you when travelling

overseas as it contains important phone numbers and details of

the cover available, together with copies of your card account

statement to establish that you gained your eligibility for cover

in accordance with the criteria set out in the section headed

Part A - Eligibility for Cover.

In the event you wish to make a claim under the cover available

(especially if claiming whilst overseas), it will be necessary for

you or your agents to provide information to establish your

eligibility as reasonably requested by Allianz Global Assistance

or its agents. Without this information, a claim may be delayed

and it may not be possible for Allianz Global Assistance or

its agents to give approval for overseas medical attention or

assistance.

SECTION 1.1 OVERSEAS EMERGENCY

ASSISTANCE (INCLUDING MEDICAL

EVACUATION AND REPATRIATION)

Allianz Global Assistance will help you with any overseas

emergency (also see Emergency and Medical Services while

Overseas above).

You may contact Allianz Global Assistance 24 hours a day, seven

days a week.

1.1.1 What we cover

Allianz Global Assistance will arrange

If while overseas, during the period of cover available, you injure

yourself or become sick (including if you are positively diagnosed

as suffering a sickness recognised as an epidemic or pandemic,

such as COVID-19), provided the relevant injury or sickness

is covered by the Group Policy, Allianz Global Assistance will

arrange for the following assistance services:

a] access to a medical adviser for emergency medical

treatment while overseas;

b] any messages which need to be passed on to your family or

employer in the case of an emergency;

c] provision of any written guarantees for payment under

Section 1.2 - Overseas Emergency Medical of medical

expenses incurred while overseas;

d] advice and assistance with emergency travel planning.

Medical Evacuation and Repatriation

If while overseas during the period of cover available for your

journey, you injure yourself or become sick (including if you are

positively diagnosed as suffering a sickness recognized as an

epidemic or pandemic such as COVID-19), or require treatment

for a pre-existing medical condition and the relevant injury or

sickness or pre-existing medical condition is covered by this

Group Policy, Allianz Global Assistance will:

e] pay the reasonable cost of your medical transfer or

evacuation if you must be transported to the nearest

hospital for emergency medical treatment overseas or be

brought back to your home on the reasonable advice of a

medical adviser; and

f ] provide written guarantees for payment of reasonable

expenses for medical evacuation and repatriation.

Personal Safety Evacuation

If, during the period of cover available for your journey, after you

have arrived in a country or region, it becomes unsafe for you

to remain in that country or region because you are expelled

or declared persona non grata by local authorities or the

Australian Government Department of Foreign Affairs and Trade

recommends that certain categories of persons (which include

you) in that country or region should leave because of a:

• security threat including civil unrest or political instability

(but not any act of war, whether war is declared or not,

or from any rebellion, revolution, insurrection or taking of

power by the military); or

• natural disaster including but not limited to an earthquake,

cyclone, flooding or volcanic eruption,

then we will pay the cost of:

g] evacuating you to the nearest place of safety (including the

cost of accommodation) up to the amount specified in Part

C – Benefit Limits. Please contact Allianz Global Assistance

for approval of these costs. Such approval will not be

unreasonably withheld or delayed; or

h] returning you to your home limited to the amount specified

in Part C – Benefit Limits. Please contact Allianz Global

Assistance for approval of these costs. Such approval will

not be unreasonably withheld or delayed.

1.1.2 What we exclude

1. To the extent permitted by law, we will not be responsible for

costs and expenses that you would not have incurred had

you followed reasonable medical advice. This includes any

subsequent medical, hospital or evacuation expenses incurred

when you did not follow the reasonable medical advice.

2. To the extent permitted by law, we will not pay for any

expenses for medical evacuation or repatriation unless it has

first been approved by Allianz Global Assistance, for which

approval will not be unreasonably withheld or delayed.

Please contact Allianz Global Assistance to confirm approval

for these costs. Otherwise, we may reduce the amount

payabe for your claim to the extent we are prejudiced;

3. To the extent permitted by law we will not pay for any

amounts relating to your Personal Safety Evacuation if:

a] your claim arises directly or indirectly from you violating

the laws or regulations of the country you are in;

b] you failing to obtain, maintain or produce to the authorities

in the country you are in any immigration permit, visa or

similar authorisation;

c] your claim arises directly or indirectly from any commercial

or contractual dispute;

d] any of the events that caused your evacuation were

in existence or had occurred, or the occurrence was

reasonably foreseeable before you entered the country or

region from which you were evacuated; or

e] the events that caused your evacuation were due to an act

or threat of terrorism.

SECTION 1.2 OVERSEAS EMERGENCY MEDICAL

1.2.1 What we cover

Overseas medical expenses due to covered injury or sickness

a] If you injure yourself overseas or become sick (including

if you are positively diagnosed as suffering a sickness

recognised as an epidemic or pandemic, such as COVID-19)

while overseas, during the period of cover available for your

journey, we will reimburse the reasonable medical expenses

you incur until you get back to Australia, provided that the

relevant injury or sickness is covered by this insurance. The

medical expenses must have been for treatment given or

prescribed by a medical adviser.

Overseas medical expenses due to covered pre-existing

medical condition

b] If, while overseas during the period of cover available for

your journey, you require medical or hospital treatment for

a pre-existing medical condition:

• that Allianz Global Assistance has confirmed in writing is

covered by the Group Policy; or

• for which cover is available as specified in the section

headed Pre-Existing Medical Conditions,

we will reimburse you for the medical expenses for treatment

given or prescribed by a medical adviser, except for the cost of

medication you were on or the cost of a course of treatment

you were receiving at the time your journey began.

You must make every reasonable effort to keep your

medical expenses to a minimum.

If you are prevented from returning home because of a

sickness, injury or pre-existing medical condition that is

covered, we will only pay for medical expenses incurred

during the 12 consecutive month period after the sickness

was first diagnosed or the injury happened or the pre-

existing medical condition we agreed to cover required

treatment.

If, after assessment of your claim, the reasonable medical

advice is that you should return to Australia for treatment

and you do not agree to do so, we will pay you a reasonable

amount up to the limit shown in Part C - Benefit Limits - 1.2

Overseas Emergency Medical, which we consider to be

equivalent to:

• your medical expenses incurred overseas to the date

that Allianz Global Assistance would have been able to

reasonably facilitate your return to Australia; plus

• the reasonable amount it would cost to return you to

your home; plus

• the non-refundable portion of unused travel and

accommodation arrangements you would have

incurred had you followed the reasonable advice of

Allianz Global Assistance.

You will then be responsible for any ongoing or additional costs

relating to or arising out of the event you have claimed for and

your cover for any additional events will end.

1.2.2 What we exclude

To the extent permitted by law, we will not pay for medical

expenses:

a] that you would not have incurred had you followed the

reasonable advice of Allianz Global Assistance;

b] if you have received care under a Reciprocal Health Care

Agreement;

c] relating to dental treatment involving the use of precious

metals or for cosmetic dentistry;

d] for dental treatment caused by or related to the

deterioration and/or decay of teeth;

e] for preventative dental treatment;

f ] any payment which would result in us contravening

the Health Insurance Act 1973 (Cth), the Private Health

Insurance Act 2007 (Cth) or the National Health Act 1953

(Cth) or any other applicable legislation (whether in

Australia or not).

g] arising from a pre-existing medical condition of any person

including you, your travel companion or a relative except:

• as provided in your medical terms letter for your pre-

existing medical condition if Allianz Global Assistance

confirmed cover.

h] when you have not notified Allianz Global Assistance as soon

as reasonably practicable of your admittance to hospital;

i] incurred after two consecutive weeks treatment by a

chiropractor, physiotherapist or dentist, unless approved by

Allianz Global Assistance.

SECTION 1.3 OVERSEAS EMERGENCY DENTAL

(SPONTANEOUS TOOTHACHE)

1.3.1 What we cover

If during the period of cover available for your journey, you suffer

sudden and acute pain (spontaneous toothache) to natural

teeth that is not an injury or sickness covered under Section 1.2

- Overseas Emergency Medical, we will cover you for the cost of

necessary emergency dental treatment to treat the sudden and

acute pain, up to the limit specified in Part C - Benefit Limits - 1.3

Overseas Emergency Dental (Spontaneous Toothache).

1.3.2 What we exclude

To the extent permitted by law, we will not pay for expenses:

a] if you have received care under a Reciprocal Health Care

Agreement;

b] relating to dental treatment involving the use of precious

metals or for cosmetic dentistry;

c] for dental treatment caused by or related to the

deterioration and/or decay of teeth;

d] for preventative dental treatment; or

e] arising from a pre-existing medical condition.

SECTION 1.4 HOSPITAL CASH ALLOWANCE

1.4.1 What we cover

If during the period of cover available for your journey, you are

admitted to hospital overseas for a continuous period of more

than 48 consecutive hours as a result of an injury or sickness,

then we will pay you the benefit specified in Part C - Benefit

Limits - 1.4 Hospital Cash Allowance for each day in excess of 48

consecutive hours that you continue to be an hospital inpatient.

1.4.2 What we exclude

To the extent permitted by law we will not pay if you cannot

claim for medical expenses connected with the hospital

admission under Section 1.2 Overseas Emergency Medical.

SECTION 1.5 ACCIDENTAL DEATH

1.5.1 What we cover

If, during the period of cover available for your journey;

a] you are injured and you die because of that injury within 12

consecutive months of the injury; or

b] something you are travelling on or in disappears, sinks or

crashes and your body is not found within 12 consecutive

months and you are presumed dead,

we will pay the benefit specified in Part C - Benefit Limits - 1.5

Accidental Death, to your estate.

SECTION 1.6 FUNERAL EXPENSES

1.6.1 What we cover

If during the period of cover available for your journey

you die from a cause that is not excluded, we will pay for

your reasonable funeral expenses incurred overseas or the

reasonable cost of bringing your remains back to your home.

The maximum amount we will pay is specified in Part C - Benefit

Limits - 1.6 Funeral Expenses.

1.6.2 What we exclude

To the extent permitted by law, we will not pay for any expenses,

or any costs incurred in Australia except the reasonable cost of

transporting your remains from the inbound port or airport to

your home or nominated funeral home.

SECTION 1.7 LOSS OF INCOME

1.7.1 What we cover

If you are a cardholder or a spouse and during the period of

cover available for your journey, you suffer an injury requiring

medical treatment overseas, and:

a] because of the injury you become disabled; and

b] the disablement continues for more than 30 consecutive

days from the date of your return to your home; and

c] you are under the regular care of and acting in accordance

with the instructions or advice of a medical adviser who

certifies in writing that the disablement prevents you from

gainful employment; and

d] as a result you lose all your income,

then we will pay your verified income per week up to the

maximum total limit shown in Part C - Benefit Limits - 1.7 Loss of

Income, starting from the 31st consecutive day after your return

to your home.

1.7.2 What we exclude

No cover is available for loss of income if you are a dependant.

SECTION 1.8 ASSAULT REQUIRING HOSPITAL

ADMISSION

1.8.1 What we cover

If during the period of cover available for your journey, you

suffer an injury resulting from you being assaulted which

requires your hospital admission as an inpatient for treatment

we will pay you the benefit specified in Part C- Benefit Limits -

1.8 Assault Requiring Hospital Admission.

Conditions

If you want to claim under the cover available, you should to the

extent reasonably practical provide us with written advice from

your treating medical adviser specifying the nature of your injury;

and a police report detailing the circumstances of the assault as

this may be the easiest way to provide proof of your claim.

SECTION 1.9 PERMANENT DISABILITY

1.9.1 What we cover

If, during the period of cover available, you suffer a permanent

disability being the permanent loss of all the sight in one or

both eyes, or the use of a hand at or above the wrist or a foot

at or above the ankle, we will pay you the benefit amount

specified in Part C – Benefit Limits – 1.9 Permanent Disability:

• that causes you permanent disability within 12 consecutive

months of the occurrence of the injury; and

• your permanent disability continues for at least 12

consecutive months; and

• at the expiry of 12 consecutive months is, in the opinion

of an appropriate medical advisor, beyond hope of

improvement.

SECTION 2.1 CANCELLATION

2.1.1 What we cover

If, during the period of cover available, your journey is cancelled,

disrupted or rescheduled because of circumstances that were

not expected or intended by you and are outside of your

control (including if you or your travel companion are positively

diagnosed as suffering a sickness recognised as an epidemic or

pandemic, such as COVID-19, which reasonably prevents you

from travelling), we will reimburse you:

Unused travel and accommodation arrangements

a] The non-refundable portion of unused travel and

accommodation arrangements scheduled to be used during

the period of cover available for your journey, that you have

paid in advance of cancellation or disruption and cannot

recover in any other way, limited to the maximum total limit

specified in Part C - Benefit Limits - 2.1 Cancellation.

Travel agent's fees

b] Your travel agent’s cancellation fees and any commission

or service fees retained by your travel agent, limited to the

amount of commission or service fees that your travel agent

would have earned had your journey not been cancelled or

the amount specified in Part C - Benefit Limits - 2.1.1a] Travel

agent's fees, whichever is the lesser.

Frequent flyer, airmiles, loyalty card points & redeemable

vouchers

c] For the value of frequent flyer points, air miles, loyalty card

points, redeemable vouchers or other similar schemes

lost by you as a result of cancelling the services paid for or

obtained with those points, air miles, vouchers or schemes,

but only if you cannot recover your loss in any other way.

We calculate the amount we pay you, which is limited to

the maximum total limit specified in Part C - Benefit Limits -

2.1 Cancellation, as follows:

• for frequent flyer points, air miles or loyalty card points:

− the cost of an equivalent booking based on the

same advance booking period as your original

booking less any payment you made toward the

booking, multiplied by

− the total number of points or air miles lost,

− divided by the total number of points or air miles

used to make the booking.

• for vouchers, the face value of the voucher. If there is no

face value on the voucher we will pay the market value.

Rescheduling your journey

d] Your reasonable costs of rescheduling your journey. The

most we will pay for rescheduling your journey is the

unrecoverable amount that would have been payable

under sub-sections 2.1.1 a], b] and c] had your journey been

cancelled. We will not pay a claim under sub-section 2.1.1d]

in addition to a claim under sub-sections 2.1.1a], b] and c]

for the same services/facilities.

If while on your journey, you have to reschedule your

journey, we will also pay you up to the maximum total limit

specified in Part C - Benefit Limits - 2.1.1d] Rescheduling

your journey for your reasonable additional meal, internet

and telephone costs necessary to rearrange your journey.

Conditions

If you want to claim under the cover available, you should

do the following as soon as reasonably possible after the

happening of the unexpected event causing your claim:

• cancel any pre-arranged travel and accommodation

scheduled to be used during the period of cover available

for your journey that you are now unable to use; and

• recover any refund that you are entitled to.

If you think that you may have to cancel your journey or shorten

your journey, you should tell us as soon as possible. For more

information, see under the heading Claims or call the contact

number shown on the inside front cover of this booklet.

If you unreasonably delay or fail to cancel your pre-arranged

travel and accommodation arrangements and we are

prejudiced by your delay or failure, we may reduce any amount

payable for your claim to the extent we are prejudiced.

If your claim is related to your fitness to travel, you should

provide us with written confirmation from a medical adviser.

2.1.2 What we exclude

To the extent permitted by law we will not pay your claim if:

a] you were aware, or a reasonable person in your

circumstances would have been aware before you became

eligible for the cover available, of any reason that may cause

your journey to be cancelled, rescheduled or shortened;

b] caused by you or your travel companion changing plans;

c] arising from a pre-existing medical condition of any person

including you, your travel companion or a relative except

• as provided in your medical terms letter for your pre-

existing medical condition if Allianz Global Assistance

confirmed cover.

d] caused by financial default or financial collapse of a services

provider with whom you make a booking or the financial

default or financial collapse of any company, organisation or

person with whom they deal;

e] caused by an act of terrorism.

SECTION 2.2 WITHDRAWAL OF SERVICES

2.2.1 What we cover

If during the period of cover available for your journey:

• all electrical and water facilities in your room; or

• waiter service at meals; or

• kitchen services where no food is served; or

• all housekeeping services,

are withdrawn for 48 consecutive hours or more due to

unforeseeable circumstances at the pre-paid accommodation

that you are staying at during your journey, we will pay you the

benefit amount specified in Part C - Benefit Limits - 2.2 Withdrawal

of Services for each 24 consecutive hour period in excess of the

initial 48 consecutive hour period that the facilities or services are

withdrawn, up to the maximum total limit specified in Part C -

Benefit Limits - 2.2 Withdrawal of Services.

Conditions

If you want to claim under the cover available, you should

provide us with written confirmation from your pre-paid

accommodation provider of the cause and length of time the

facilities and/or services were withdrawn.

SECTION 3.1 ADDITIONAL EXPENSES

3.1.1 What we cover

Additional travel & accommodation expenses due to your

incapacity

a] If you cannot continue your journey because of an injury

or sickness (including if you are positively diagnosed as

suffering a sickness recognised as an epidemic or pandemic,

such as COVID-19) that is covered by this insurance, which

occurs during the period of cover available for your journey

and needs immediate treatment from a medical adviser, we

will reimburse your reasonable additional accommodation

and travel expenses.

Emergency travel & accommodation expenses for a

necessary companion

b] If during the period of cover available for your journey, you

are admitted to hospital suffering from a life threatening

or other serious condition covered by this insurance we

will reimburse the reasonable travel and accommodation

expenses for a relative or friend to travel to you, stay near

you or escort you. The relative or friend must travel to you,

stay near you or escort you on the written advice of your

treating medical adviser and with the prior written approval

of Allianz Global Assistance for which approval will not be

unreasonably withheld or delayed. Please contact Allianz

Global Assistance for approval of these costs. Otherwise we

may reduce the amount payable for your claim to the extent

we are prejudiced.

Additional travel & accommodation expenses due to your

travel companion’s incapacity

c] If your travel companion cannot continue their journey

because of an injury or sickness (including if your travel

companion is positively diagnosed as suffering a sickness

recognised as an epidemic or pandemic, such as COVID-19)

which occurs during the period of cover available for

your journey and which needs immediate treatment

from a medical adviser, we will reimburse your reasonable

additional accommodation and travel expenses for you to

remain with your travel companion. Please contact Allianz

Global Assistance for approval of these costs. No cover is

available for a claim arising from any pre-existing medical

condition of your travel companion.

Expenses due to your repatriation or evacuation home

d] If during the period of cover available, you shorten your

journey and return to your home due to a covered event

on the advice of your treating medical adviser and with the

approval of Allianz Global Assistance, we will reimburse the

reasonable additional cost of your return to your home. You

must make use of any pre-arranged return travel to your

home. Please contact Allianz Global Assistance for approval of

these costs, such approval will not be unreasonably withheld

or delayed. Otherwise we may reduce the amount payable

for your claim to the extent we are prejudiced.

Repatriation of dependants left without supervision

e] If your dependants are left without supervision following

your hospital admission or evacuation during the period of

cover available for your journey, we will pay the reasonable

additional travel and accommodation expenses incurred

to return them to Australia, including the travel and

accommodation expenses of an escort if agreed to by

Allianz Global Assistance. Please contact Allianz Global

Assistance for approval of these costs. Such approval will

not be unreasonably withheld or delayed.

Additional travel & accommodation expenses due to

specified events

f ] In addition, if during the period of cover available a

disruption to your journey arises from:

• your scheduled or connecting transport is cancelled,

delayed, rescheduled or diverted because of a strike, riot,

hijack, civil protest, weather, natural disaster or accident

affecting your mode of transport;

• you unknowingly break any quarantine rule (but not a

quarantine rule applying to an epidemic or pandemic);

• you lose your passport, travel documents or transaction

cards or they are stolen; or

• your home being rendered uninhabitable by fire,

explosion, earthquake or flood,

we will reimburse your reasonable additional travel and

accommodation expenses. Please contact Allianz Global

Assistance for approval of these costs. Such approval will

not be unreasonably withheld or delayed.

Whenever claims are made by you under this section and Section

2.1 Cancellation for cancelled services/facilities or alternative

arrangements for the same or similar services/facilities, we will

pay for the higher of the two amounts, not both.

3.1.2 What we exclude

To the extent permitted by law, we will not pay your claim:

a] if you were aware, or a reasonable person in your

circumstances would have been aware, of any reason, before

you became eligible for the period of cover available, that

may cause your journey to be cancelled, disrupted or delayed;

b] arising from a pre-existing medical condition of any person

including you, your travel companion or a relative except:

• as provided in your medical terms letter for your pre-

existing medical condition if Allianz Global Assistance

confirmed cover.

c] if you can recover your additional travel and

accommodation expenses from someone else, for example,

an airline or tour provider;

d] if caused by any service provider misappropriating your

funds or failing to arrange or provide services for which you

have paid;

e] for cancellations, delays, rescheduling or diversions to your

scheduled or connecting transport unless it is due to a

strike, riot, hijack, civil protest, weather, natural disaster or

accident affecting your mode of transport;

f ] if your claim arises directly or indirectly out of you operating

a rental vehicle in violation of the rental agreement.

SECTION 3.2 TRAVEL DELAY EXPENSES

3.2.1 What we cover

If a delay to your journey, for at least 6 consecutive hours, arises

from circumstances outside your control during the period of

cover available, we will reimburse the cost of your reasonable

additional meals and accommodation expenses. We will pay up

to the amount specified in Part C - Benefit Limits - 3.2 Travel Delay

Expenses at the end of the initial 6 consecutive hour period.

3.2.2 What we exclude

We will not pay if a delay to your journey arises:

a] from an act of terrorism; or

b] due to the financial default or financial collapse of a services

provider with whom you make a booking or the financial

default or financial collapse of any company, organisation or

person with whom they deal.

SECTION 3.3 ALTERNATIVE TRANSPORT

EXPENSES

3.3.1 What we cover

If during the period of cover available for your journey, your

journey is interrupted by any unforeseen and unexpected cause

outside of your control and that means you would not arrive at

a special event on time, we will pay your reasonable additional

travel expenses up to the amount specified in Part C - Benefit

Limits - 3.3 Alternative Transport Expenses to enable you to

arrive on time.

3.3.2 What we exclude

To the extent permitted by law, we will not pay if your scheduled

transport is cancelled, delayed, shortened or diverted:

a] due to an act of terrorism; or

b] due to the financial default or financial collapse of a service

provider with whom you make a booking or the financial

default or financial collapse of any company, organisation or

person with whom they deal.

SECTION 3.4 RETURN HOME & RESUMPTION

OF JOURNEY FOLLOWING THE DEATH OR

HOSPITAL ADMISSION OF A RELATIVE

3.4.1 What we cover

a] If, during the period of cover available for your journey,

your relative who is resident in Australia and who is aged

under 80 years at the time you become eligible for cover

dies unexpectedly or is hospitalised due to a serious

illness, injury or sickness diagnosed while on you are on

your journey, we will reimburse the reasonable additional

cost of your early return to your home. Where reasonably

practicable, please contact Allianz Global Assistance for

approval before incurring these costs, such approval will not

be unreasonably withheld or delayed. Otherwise, we may

reduce the amount payable for your claim to the extent we

are prejudiced.

b] If during the period of cover available for your journey, you

return to your home because:

• a relative of yours who is resident in Australia and who

is aged under 80 years at the time you become eligible

for cover dies unexpectedly or is hospitalised due to a

serious illness, injury or sickness diagnosed while on you

are on your journey; and

• it is possible for your journey to be resumed; and

• there is more than 14 consecutive days or 25%,

whichever is the greater, remaining of the period of

cover available for your journey, as noted on your return

overseas travel ticket; and

• you resume your journey within 30 consecutive days of

your return to your home,

we will reimburse you for airfares for you to return to the

place you were when your journey was interrupted.

The most we will pay under this sub-section is up to the

limit shown in Part C - Benefit Limits - 3.4 Return Home &

Resumption of Journey following the Death or Hospital

Admission of a Relative.

3.4.2 What we exclude

We will not pay a claim under this section in addition to a claim

under Section 2.1 Cancellation for the same or similar services.

We will only pay the highest amount incurred by you, not both

amounts.

SECTION 3.5 DOMESTIC PET ACCOMMODATION

3.5.1 What we cover

If your return home is delayed beyond the end date of the

period of cover available for your journey due to a covered

event that is not expected or intended by you and is outside

of your control, and you incur additional boarding kennel or

boarding cattery fees for domestic dogs or cats owned by you,

we will reimburse you for the additional fees you incur up to the

limit per day specified in Part C - Benefit Limits - 3.5 Domestic

Pet Accommodation up to the maximum total limit specified in

Part C - Benefit Limits - 3.5 Domestic Pet Accommodation.

3.5.2 What we exclude

To the extent permitted by law we will not pay if your delay is

due to an act of terrorism.

SECTION 3.6 EMERGENCY ACCOMMODATION

DUE TO TERRORISM

3.6.1 What we cover

If, during the period of cover available for your journey, your

journey is delayed due to an act of terrorism we will reimburse

you for the reasonable additional cost of accommodation you

incur during the period of delay up to the amount per day

specified in Part C - Benefit Limits limited to the maximum total

limit specified in Part C- Benefit Limits.

SECTION 3.7 HIJACK

3.7.1 What we cover

If, during the period of cover available for your journey, your

scheduled public transport that you are travelling on is hijacked

and you subsequently want to cancel your journey and return

home we will reimburse you for the reasonable additional travel

expenses you incur and the unrecoverable cost of prepaid travel

arrangements that you do not use limited to the maximum

total limit specified in Part C- Benefit Limits.

SECTION 4.1 LUGGAGE

You must take all reasonable precautions to safeguard your

covered items and your valuables. If you do not, we will not

pay your claim. For example, you will not be taking reasonable

precautions if you leave your belongings in a publicly accessible

location:

• at such a distance from you that you are unable to prevent

them being taken; or

• with a person who is not a travel companion or a relative

(or if these persons fail to take all reasonable precautions to

safeguard your covered items or valuables).

This includes forgetting or misplacing any items, leaving them

behind or walking away from them.

4.1.1 What we cover

a] If, during the period of cover available for your journey, the

following covered items or valuables:

• baggage, clothing or personal valuables;

• portable electrical equipment, laptop computers and

associated equipment/accessories, binoculars, cameras

and associated equipment/accessories;

are stolen, accidentally damaged or are permanently lost,

except when:

• left in a vehicle (see sub-section 4.1.1 b] below); or

• are valuables left in a vehicle or checked in to be

transported in the cargo hold of any aircraft, ship, train,

tram or bus (see sub-section 4.1.1 c] below).

The amount we will pay will be the lesser of:

• the depreciated value after allowing for age, wear and

tear (see the Depreciation section for details);

• the original purchase price;

• the replacement cost; or

• the repair cost.

We will not apply depreciation to any item we pay for

where less than 12 consecutive months have elapsed since

the item was purchased new.

The maximum amount we will pay for any item is:

• up to the item limit specified in Part C - Benefit Limits -

4.1 Luggage for personal computers, video recorders or

cameras;

• up to the item limit specified in Part C - Benefit Limits -

4.1 Luggage for all other items.

A pair or related set of items, for example (but not limited to):

• a camera, lenses (attached or not), tripod and

accessories;

• a matched or unmatched set of golf clubs, golf bag and

buggy; or

• a matching pair of earrings,

are considered as only one item for the purpose of this cover,

and the appropriate single item limit will be applied.

For the avoidance of any doubt, cover is provided for:

• theft of, accidental damage to, or permanent loss of

dentures or dental prostheses whilst you are not wearing

them;

• theft of, accidental damage to, or permanent loss of your

covered items (except valuables) while they are left in a

locked storage facility and there is forced entry into the

locked storage facility;

• the cost of medical consultation fees you incur to

replace prescription medication which is accidentally

lost, stolen or accidentally damaged, together with the

replacement cost of the medication.

b] Covered items specified in 4.1.1a] that are left in a vehicle

during the period of cover provided for your journey are

only covered during daylight hours and must have been

left in a concealed storage compartment of a locked

vehicle, and in the event of theft forced entry must have

been made. The most we will pay is up to the total amount

specified in Part C - Benefit Limits - 4.1.1b] Luggage for all

covered items stolen from a locked vehicle.

c] No cover is available for valuables left in a vehicle at any

time or valuables checked in to be transported in the cargo

hold of any aircraft, ship, train, tram or bus including any

loss from the point of check in until collection by you from

the baggage carousel or collection area at the end of your

flight, voyage or trip. However, cover will be available for

loss, theft or accidental damage to laptops, tablets and

mobile/smartphones when (without prior notice) you are

directed by the airline with whom you have a flight booking

to place the laptop, tablet or mobile/smartphone into

your checked in baggage or overhead cabin locker for the

duration of your flight. The most we will pay is up to the

item limits specified in Part C - Benefit Limits - 4.1.1a].

Conditions

If you make a claim, you will need to provide proof of your

ownership and the value of your belongings. Examples of proof

include receipts and/or valuations (e.g. receipt or valuation for

jewellery).

If you cannot prove the value of the items, the most we will pay

for each individual item is 10% of the limit shown for that type

of item in the Part C - Benefit Limits - 4.1 Luggage.

Where reasonably practical, we expect you to report any loss or

theft to the police or an office of the bus line, airline, shipping

line or rail authority you were travelling on when the loss or

theft occurred.

You should make reasonable efforts to obtain confirmation

from whoever you made the report to as this may be the easiest

way to provide evidence of the loss or theft. If you unreasonably

delay or fail to make a report and we are prejudiced by your

delay or failure, we may reduce the amount payable for your

claim to the extent we are prejudiced.

If you are entitled to be reimbursed by the bus line, airline,

shipping line or rail authority you were travelling on when the

loss, theft, misplacement or damage occurred we will deduct

the amount you are entitled to from any claim payable by us.

However, if you are not reimbursed the full amount of your loss,

we will pay the difference between the amount of your loss

and what you were reimbursed, up to the limit of the cover

available.

4.1.2 What we exclude

To the extent permitted by law, we will not pay a claim in

relation to your covered items and valuables if:

a] the loss, theft or damage is to, or of, covered items or

valuables left behind in any hotel or motel room after you

have checked out, or items left behind in any aircraft, ship,

train, tram, taxi or bus;

b] the covered items or valuables were being sent

unaccompanied by you or under a freight contract;

c] the loss or damage arises from any process of cleaning,

repair or alteration;

d] the loss or damage arises from ordinary wear and tear,

deterioration, atmospheric or weather conditions, insects,

rodents or vermin;

e] the covered item or valuable disappears in circumstances

that cannot be explained to our reasonable satisfaction;

f ] your claim arises from a government authority confiscating,

detaining or destroying anything;

g] you do not take all reasonable precautions to safeguard

your covered items or valuables. For example, you will

not be taking reasonable precautions if you leave your

belongings in a publicly accessible location:

• at such a distance from you that you are unable to

prevent them being taken; or

• with a person who is not a travel companion or a relative

(or if these persons fail to take all reasonable precautions

to safeguard your covered items or valuables).

This includes forgetting or misplacing any items, leaving

them behind or walking away from them;

h] the covered item or valuable has an inherent defect or an

electrical or mechanical breakdown;

i] the covered item or valuable is fragile or brittle or is an

electrical component and is broken unless the breakage

was caused by theft, fire or an accident involving a vehicle

in which you were travelling; or

j] the loss or damage arises from scratches occurring to lenses

or screens of covered items or valuables however caused;

k] the covered items were sporting equipment that were

damaged during use.

SECTION 4.2 TRAVEL DOCUMENTS,

TRANSACTION CARDS & TRAVELLERS

CHEQUES

4.2.1 What we cover

If during the period of cover available for your journey:

Re-issue or replacement cost

a] any essential travel documents (including passports),

transaction cards or travellers cheques are lost by you,

stolen from you or destroyed, then we will pay the issuer’s

fees or the replacement costs (including communication

costs) of the items lost, stolen or destroyed.

Fraudulent use

b] your transaction cards or travellers cheques are lost or

stolen, then we will pay for any loss resulting from the

fraudulent use of the transaction cards or travellers cheques.

The most we will pay is up to the limit specified in Part C -

Benefit Limits - 4.2 Travel Documents, Transaction Cards &

Travellers Cheques.

Conditions

Where reasonably practical, we expect you to report any loss

or theft to the police and, in the case of transaction cards

or travellers cheques, to the issuing bank or company in

accordance with the conditions under which the transaction

cards or travellers cheques were issued.

You should make reasonable efforts to obtain confirmation

from whoever you made the report to as this may be the easiest

way to provide evidence of the loss or theft. If you unreasonably

delay or fail to make a report and we are prejudiced by your

delay or failure, we may reduce the amount payable for your

claim to the extent that we have been prejudiced.

4.2.2 What we exclude

To the extent permitted by law, we will not pay:

a] if your loss arises from your failure to comply with the

recommended security guidelines for the use of travellers

cheques or transaction cards; or

b] for any amounts covered by any guarantee given by the

bank or issuing company to you as the holder of the

transaction cards or travellers cheques.

SECTION 4.3 LUGGAGE DELAY

4.3.1 What we cover

If during the period of cover available for your journey any of

your covered items are delayed, misdirected or misplaced by the

carrier for more than 10 consecutive hours, we will reimburse

you for the reasonable costs you incur for you to purchase

essential items of clothing or other personal items, up to the

amount specified in Part C - Benefit Limits - 4.3 Luggage Delay.

Conditions

You should make reasonable efforts to obtain confirmation

from the carrier who was responsible for your covered items

confirming that your items were delayed, misdirected or

misplaced as this may be the easiest way to provide evidence of

the delay.

We will deduct any amount we pay you under this section from

any subsequent claim you make for lost covered items payable

under Section 4.1 Luggage.

If you are entitled to be reimbursed by the bus line, airline,

shipping line or rail authority you were travelling on when the

loss, theft, misplacement or damage occurred we will deduct

the amount you are entitled to from any claim payable by us.

However, if you are not reimbursed the full amount of your loss,

we will pay the difference between the amount of your loss and

what you were reimbursed, up to the limit of cover available.

SECTION 4.4 REPLACEMENT SPORTING

EQUIPMENT

4.4.1 What we cover

If during the period of cover available for your journey any of

your sporting equipment is delayed, misdirected, misplaced or

accidentally damaged by the carrier (except on the leg of your

journey to your home) we will reimburse you for the reasonable

costs you incur for you to hire replacement sporting equipment,

up to the amount specified in Part C - Benefit Limits - 4.4

Replacement Sporting Equipment.

Conditions

You should make reasonable efforts to obtain confirmation

from the carrier who was responsible for your covered

items confirming that your items were delayed, misdirected,

misplaced or accidentally damaged as this may be the easiest

way to provide evidence of the delay.

We will deduct any amount we pay you under this section from

any subsequent claim you make for lost covered items payable

under Section 4.4 Luggage.

If you are entitled to be reimbursed by the bus line, airline,

shipping line or rail authority you were travelling on when the

loss, theft, misplacement or damage occurred we will deduct

the amount you are entitled to from any claim payable by us.

However, if you are not reimbursed the full amount of your loss,

we will pay the difference between the amount of your loss and

what you were reimbursed, up to the limit of cover available.

SECTION 5.1 RENTAL VEHICLE EXCESS

Cover is only available if your rental vehicle agreement specifies

an amount that is payable in the event the rental vehicle is

damaged or stolen while in your custody.

This section does not cover items such as, but not limited to,

tyres and/or windscreens, roof and underbody if they are not

covered by the indemnity provided by the rental company

or agency under the rental vehicle agreement to which the

amount payable applies.

5.1.1 What we cover

Rental vehicle damage or theft

a] If, during the period of cover available, a rental vehicle you

have rented from a rental company or agency is:

• involved in a motor vehicle accident while you are

driving it; or

• damaged or stolen while in your custody,

then we will pay you the lesser of:

• property damage for which you are liable; or

• the amount specified that you must pay under your

rental vehicle agreement; or

• the limit shown in Part C - Benefit Limits - 5.1.1a] Rental

vehicle damage or theft.

Return of rental vehicle

b] If, during the period of cover provided you are injured or

become sick and your treating medical adviser certifies in

writing that you are incapacitated and unable to return your

rental vehicle to the rental company, we will pay you up to

the amount specified in Part C - Benefit Limits - 5.1.1b] Return

of rental vehicle for the cost you incur to return your rental

vehicle to the nearest depot of the rental company.

Conditions

To support your claim, you will need to take reasonable steps to

provide us with a copy of:

• your rental vehicle agreement;

• the incident report that was completed;

• written confirmation from the rental company or agency of

the amount for which you are liable.

You may also need to provide:

• the repair account and invoice from the motor vehicle

repairer (if available to you); and

• an itemised list of the value of the damage.

5.1.2 What we exclude

To the extent permitted by law, we will not pay if your claim

arises directly or indirectly from, or is in any way connected

with, or is for:

a] you using the rental vehicle in breach of the rental

agreement;

b] you using the rental vehicle without a licence for the

purpose that you were using it (such as but not limited to

the carrying of passengers or freight); or

c] administrative charges or fees of the rental company that

are not a component of the amount payable specified in

your rental vehicle agreement.

SECTION 6.1 PERSONAL LIABILITY

6.1.1 What we cover

If you become legally liable to pay compensation for

negligently causing:

• death or bodily injury; or

• physical loss of, or damage to property,

that happens during the period of cover available for your

journey, then we will cover you up to the limit shown in Part C -

Benefit Limits - 6.1 Personal Liability, for:

• the compensation (including legal costs) awarded against

you; and

• any reasonable legal costs incurred by you for settling

or defending a claim made against you, provided you

have approval in writing from Allianz Global Assistance

before incurring these costs. Please contact Allianz Global

Assistance to confirm approval for these costs.

Conditions

We should be told as soon as you or your personal

representatives are, or a reasonable person in your

circumstances would have been, aware of a possible

prosecution, inquest, fatality, accident or incident which might

lead to a claim against you.

You should not pay or promise to pay, settle with, admit or deny

liability to anyone who makes a claim against you without our

written consent. If you do, we may reduce or refuse your claim

to the extent we are prejudiced.

To ensure you are covered, please contact Allianz Global

Assistance before incurring any liability costs or expenses.

6.1.2 What we exclude

To the extent permitted by law, we will not pay any amount

you become legally liable to pay if the liability arises directly or

indirectly from, or is in any way connected with, or is for:

a] bodily injury to you, your travel companion or to a relative

or employee of any of you;

b] loss of or damage to property belonging to you, or in your

care, custody or control (unless the property is a residence

and you occupy it during the period of cover available for

your journey as a tenant or lessee, or temporary guest);

c] your ownership, custody, control or use of any firearm or

weapon;

d] your ownership, control or use of a motorised vehicle,

an aircraft, or a watercraft (other than a non-motorised

watercraft used on inland waterways) however, if you do

not own or control the vehicle, aircraft or watercraft and are

only using it as a passenger, this exclusion does not apply;

e] your conduct of, or employment in any business, profession,

trade or occupation;

f ] any loss, damage or expenses which are covered or should

have been covered under a statutory or compulsory

insurance policy, scheme or fund, or under Workers

Compensation legislation, an industrial award or agreement,

or Accident Compensation legislation;

g] any fine or penalty, or aggravated, punitive, exemplary or

liquidated damages;

h] any relief or recovery from you other than monetary

amounts;

i] a contract that imposes on you a liability which you would

not otherwise have;

j] assault and/or battery committed by you or at your

direction;

k] any act intended to cause bodily injury, property damage

or liability done by you or any person acting with your

knowledge, connivance or consent;

l] illness, sickness or disease that is transmitted by you.

SECTION 6.2 LEGAL EXPENSES

6.2.1 What we cover

If, during the period of cover available for your journey, you

are injured or die because of the fault of some entity other

than a relative or travel companion, we will reimburse you

or your estate up to the limit specified in Part C - Tables of

Benefits for legal costs you incur in the pursuit of damages or

compensation from the entity at fault.

Conditions

You or your estate will need to take reasonable steps to obtain

our consent in writing before incurring any legal costs or

commencing proceedings against any entity at fault. If you

do not obtain consent prior to incurring these costs, we may

reduce or refuse your claim to the extent we are prejudiced. To

ensure you are covered, please contact Allianz Global Assistance

before incurring any liability costs or expenses.

6.2.2 What we exclude

To the extent permitted by law, we will not pay any amount you

incur for:

a] any claim you make against any travel service provider or

insurance company;

b] any legal costs you incur without our prior written consent;

c] any legal action where after obtaining independent legal

advice, we consider that no benefit would be achieved by

pursuing such action.

DOMESTIC TRAVEL INSURANCE

PART A - ELIGIBILITY FOR COVER

WHO IS ELIGIBLE?

As a cardholder with an ANZ Credit Card you are eligible for the

cover available if:

a] the entire cost of your return domestic flight ticket is

charged to the account holder’s card account prior to

commencing the journey; or

b] before commencing your journey, you spend at least $250 on

your prepaid travel costs and you charge these costs (e.g. cost

of your return domestic travel ticket; and/or airport/departure

taxes; and/or your prepaid domestic accommodation/

travel; and/or your other prepaid domestic itinerary items)

to the accountholder's card account and you have a return

domestic flight ticket prior to commencing the journey.

WHO ELSE IS ELIGIBLE?

If the cardholder is eligible for the cover available, the

cardholder’s spouse and dependants are also eligible if:

a] the entire cost of their return domestic flight ticket

(excluding taxes and airport and travel agent charges)

is charged to the accountholder’s card account prior to

commencing the journey; or

b] before commencing the journey, at least $250 of each of the

spouse and/or dependant's prepaid travel costs are charged

to the accountholder's card account and each of the spouse

and/or dependants has a return domestic flight ticket; and

c] the spouse and/or dependants are travelling with the

cardholder for at least 50% of the period of cover made

available to the cardholder for the cardholder’s journey.

When a cardholder, spouse and dependant are travelling

together, only one eligible person can claim the benefits

payable to a cardholder. The other eligible persons may only

claim as a spouse or dependant.

DEPENDANTS UNDER THE AGE OF TWO YEARS

AT THE DATE THE JOURNEY COMMENCES

If a cardholder satisfies the eligibility criteria set out above,

their dependant under the age of two years as at the date

the journey commences is eligible for the cover provided

the dependant is travelling with the cardholder for at least

50% of the period of cover available to the cardholder for the

cardholder’s journey.

No cover is available for dependants born on the journey.

PART B - PERIOD OF COVER

Period of Cover

Up to 28 consecutive days per journey for ANZ Credit Card

cardholders, their spouses and/or dependants.

The period of cover available under Section 1.1 Cancellation

begins on the date you become eligible for cover by meeting

the eligibility criteria set out in Part A - Eligibility for Cover.

Provided you meet the eligibility criteria set out in Part A -

Eligibility for Cover, the period of cover available for all other

insured events commences when you leave your home to start

your journey or on the departure date shown on your domestic

flight ticket, whichever is the later.

Cover under all sections ends when the first of the following

occurs:

a] when you return to your home from the airport shown on

your return domestic flight ticket; or

b] you cancel your return domestic flight ticket; or

c] 28 consecutive days after your journey starts.

For the avoidance of doubt, the period of cover available is for a

maximum of 28 days per journey.

PART C - BENEFIT LIMITS

The table below sets out the amounts and maximum limits

of what we will pay under each section of Domestic Travel

Insurance. All limits and sub-limits in the table are shown in

Australian dollars.

The cover available is outlined in Part E and is subject to the

applicable terms, conditions, limits, sub-limits and exclusions.

The cover described in the table below is a summary only.

All costs and expenses claimed must be necessary and

reasonable.

Section Limit

1.1 Cancellation Up to a maximum total limit of

$3,000 for all claims combined

2.1 Flight Delay

Expenses

4 hours or more, $125 per person

up to a maximum total limit of

$300 for all claims combined

3.1 Additional

Expenses

Up to a maximum total limit of

$3,000

4.1 Luggage Up to $750 for each covered item,

up to a maximum total limit of

$2,000

4.2 Luggage Delay 12 hours or more, $150 per person,

up to a maximum total limit of

$400 for all claims combined

PART D - EXCESSES AND GENERAL

EXCLUSIONS

EXCESSES - WHAT YOU CONTRIBUTE TO A CLAIM

You must pay the following excess amounts for each claim

made under the following covers even if a number of claims are

submitted on the one claim form. However If you make more

than one claim as the result of a single event, the highest excess

will apply but will only apply once.

Section Excess amount

1.1 Cancellation $100

2.1 Flight Delay Expenses Nil

3.1 Additional Expenses $100

4.1 Luggage $100

4.2 Luggage Delay Nil

GENERAL EXCLUSIONS

The general exclusions below set out what is not covered.

You should also read each section as they contain specific

exclusions that may also apply. To the extent permitted by law,

we do not cover you for any loss, damage or expense caused by

or arising from:

1. your loss of enjoyment; loss of opportunity; loss of

revenue; loss of profits or loss of goodwill;

2. you booking or taking travel against medical advice, travel

for the purpose of getting medical treatment or advice, or

travel taken after a medical adviser informs you that you

are terminally ill;

3. your intentional self harm or your suicide or your

attempted suicide;

4. your claim arises from, or is caused, or is contributed to, by

you being affected by any intoxicating liquor or drug to the

extent that your physical, or mental functions, or your

judgement are impaired, except a drug prescribed to you

by a medical adviser, and taken in accordance with their

instructions;

5. you not following an advice or warning that a reasonable

person would have been aware of:

• by an Australian government (including State and

Territory governments); or

• which was published in a reliable mass media source;

6. flying other than as a passenger in:

• a fully licensed aircraft operated by an airline or charter

company; or

• a regulated or licensed hot air balloon;

7. your participation in any dangerous activities or your

exposure of yourself to danger during your journey unless

in an attempt to preserve your life or the life of another

person, such as:

• scuba diving unless you hold an open water diving

certificate or are diving with a qualified and registered

diving instructor;

• mountaineering or rock climbing requiring the use of

ropes and/or climbing equipment, racing (other than

amateur racing on foot), white water rafting, white water

boating, abseiling, parasailing, skydiving, hang gliding,

base jumping, bungy jumping, pot holing, canyoning,

caving, fire walking, running with the bulls, rodeo riding,

polo playing, hunting, shooting, archery, tobogganing,

water skiing, jet skiing, off-piste snow skiing, off-piste

snowboarding or snowmobiling;

• quad bike or motorcycle riding during your journey

unless it involves you only driving a motorcycle, with an

engine capacity of 200cc or less, for which you hold a

valid motorcycle licence;

• any other similar activity that a reasonable person would

consider dangerous;

8. any kind of training for, coaching or competing in any

sporting event where you are entitled to receive, or are

eligible to receive, an appearance fee, wage, salary or prize

money in excess of $1,000; and

9. your claim arises from, or is caused, or is contributed to by

an illegal or criminal act by you, your spouse, your

dependants or any other person acting with your consent

or under your direction;

10. your participation as a crew member or pilot of any

transportation;

11. the injury, illness or death of any person who is aged 81

years or over at the time you become eligible for cover

under Domestic Travel Insurance;

12. any interference with your travel plans by any government,

government regulation or prohibition or intervention or

official authority;

13. your failure to take reasonable care including failure to

wear appropriate safety equipment;

14. any epidemic or pandemic, unless your claim relates to you

or your travel companion being positively diagnosed as

suffering a sickness recognised as an epidemic or pandemic

and cover is expressly included in the following sections:

• 1.1 Cancellation;

• 3.1 Additional Expenses;

15. any act of war, whether war is declared or not, or from any

rebellion, revolution, insurrection or taking of power by the

military;

16. a nuclear reaction or contamination from nuclear weapons

or radioactivity;

17. biological and/or chemical materials, substances,

compounds or the like used directly or indirectly for the

purpose of harming or to destroy human life and/or create

public fear;

18. providing cover or being liable to pay any claim or provide

any benefit under this policy to the extent that the

provision of such cover, payment of such claim or provision

of such benefit would constitute a breach of any trade or

economic sanction, embargo, prohibition or restriction

imposed by any of the following: United Nations, United

States of America, Australia, European Union, United

Kingdom, or New Zealand, or any other applicable national

trade or economic sanctions, laws or regulations. This clause

shall apply where such geographical location, provision of

goods, services or other reasons shall contravene such

sanction, embargo, prohibition or restriction.

PART E - THE COVER AVAILABLE

In order to be sure that you are covered under this policy you

should always call us for approval before you incur certain

expenses. If you do not, we will pay for expenses incurred up to

the amount we would have authorised had you asked us first.

EPIDEMICS AND PANDEMICS (COVID-19)

If, during the period of cover available, you (including your

spouse and/or dependants who are eligible for cover) are

positively diagnosed as suffering a sickness recognised as an

epidemic or pandemic, such as COVID-19, cover is available to

you under the following sections:

• 1.1 Cancellation

• 3.1 Additional Expenses

If, during the period of cover available, your travel companion

is positively diagnosed as suffering a sickness recognised as an

epidemic or pandemic, such as COVID-19, which impacts your

journey, cover is available to you under the following sections:

• 1.1 Cancellation

• 3.1 Additional Expenses

Terms, conditions, exclusions, limits and applicable sub-limits

apply. Please refer to Part D - General Exclusions and the

exclusions set out in each of the above sections.

For example, you will not be covered if you are positively

diagnosed as suffering a sickness recognised as an epidemic or

pandemic while travelling against an advice or warning issued

by an Australian government and you did not take reasonable

care to avoid contracting the sickness (for example by delaying

travel to the country or part of the country referred to in the

warning), refer to General Exclusions 5 and 13 in Part D for more

information. Please note, this also applies even if the Australian

government has given you permission to travel or you fall under

a specific exemption where there is otherwise a travel ban in

place that prohibits you from travelling.

For all other sections and any other claim arising from, or related

to, epidemics or pandemics, there is no cover.

SECTION 1.1 CANCELLATION

1.1.1 What we cover

If, during the period of cover available, your journey is cancelled,

disrupted or rescheduled because of circumstances that were

not expected or intended by you and are outside of your

control (including if you or your travel companion are positively

diagnosed as suffering a sickness recognised as an epidemic or

pandemic, such as COVID-19, which reasonably prevents you

from travelling), we will reimburse you:

Unused travel and accommodation arrangements

a] The non-refundable portion of unused travel and

accommodation arrangements scheduled to be used during

the period of cover available for your journey, that you have

paid in advance of cancellation or disruption and cannot

recover in any other way, limited to the maximum total limit

specified in Part C - Benefit Limits - 1.1 Cancellation.

Travel agent's fees

b] Your travel agent’s cancellation fees and any commission

or service fees retained by your travel agent, limited to the

amount of commission or service fees that your travel agent

would have earned had your journey not been cancelled

or the amount specified in Part C - Benefit Limits - 1.1

Cancellation, whichever is the lesser.

Frequent flyer, airmiles, loyalty points & vouchers

c] For the value of frequent flyer points, air miles, loyalty card

points, redeemable vouchers or other similar schemes

lost by you as a result of cancelling the services paid for or

obtained with those points, air miles, vouchers or schemes,

but only if you cannot recover your loss in any other way.

We calculate the amount we pay you, which is limited to

the maximum total limit specified in Part C - Benefit Limits -

1.1 Cancellation, as follows:

• for frequent flyer points, air miles or loyalty card points:

− the cost of an equivalent booking based on the

same advance booking period as your original

booking less any payment you made toward the

booking, multiplied by

− the total number of points or air miles lost,

− divided by the total number of points or air miles

used to make the booking.

• for vouchers, the face value of the voucher. If there is no

face value on the voucher we will pay the market value.

Rescheduling your journey

d] Your reasonable costs of rescheduling your journey. The

most we will pay for rescheduling your journey is the

unrecoverable amount that would have been payable

under sub-sections 2.1.1 a], b] and c] had your journey been

cancelled. We will not pay a claim under sub-section 2.1.1d]

in addition to a claim under sub-sections 2.1.1a], b] and c]

for the same services/facilities.

Conditions

If you want to claim under the cover available, you should

do the following as soon as reasonably possible after the

happening of the unexpected event causing your claim:

• cancel any pre-arranged travel and accommodation

scheduled to be used during the period of cover available

for your journey that you are now unable to use; and

• recover any refund that you are entitled to.

If you think that you may have to cancel your journey or shorten

your journey, you should tell us as soon as reasonably possible.

For more information, see under the heading Claims or call the

contact number shown on the inside front cover of this booklet.

If you unreasonably delay or fail to cancel your pre-arranged

travel and accommodation arrangements and we are

prejudiced by your delay or failure, we may reduce the amount

payable for your claim to the extent we are prejudiced.

If your claim is related to your fitness to travel, you should take

reasonably steps to provide us with written confirmation from a

medical adviser.

1.1.2 What we exclude

To the extent permitted by law we will not pay your claim if:

a] you were aware, or a reasonable person in your

circumstances would have been aware before you became

eligible for the cover available, of any reason that may cause

your journey to be cancelled, rescheduled or shortened;

b] the claim arises from an injury, illness or death of any person

who is aged 81 years or over at the time you become

eligible for cover under Domestic Travel Insurance;

c] caused by you or your travel companion changing plans;

d] caused by financial default or financial collapse of a services

provider with whom you make a booking or the financial

default or financial collapse of any company, organisation or

person with whom they deal;

e] caused by an act of terrorism.

SECTION 2.1 FLIGHT DELAY EXPENSES

2.1.1 What we cover

If during the period of cover available for your journey, the

departure of your domestic flight, is delayed for the period

specified in Part C - Benefit Limits - 2.1 Flight Delay Expenses,

due to circumstances outside your control and no alternative

transport is provided by the carrier, we will reimburse the

cost of your reasonable additional meal and accommodation

expenses, up to the amount specified in Part C - Benefit Limits -

2.1 Flight Delay Expenses.

1.1.2 What we exclude

We will not pay if a delay to your journey arises from an act of

terrorism.

SECTION 3.1 ADDITIONAL EXPENSES

3.1.1 What we cover

Additional travel & accommodation expenses due to your

incapacity

a] If you cannot continue your journey because of an injury

or sickness (including if you are positively diagnosed as

suffering a sickness recognised as an epidemic or pandemic,

such as COVID-19) which occurs during the period of cover

available for your journey and needs immediate treatment

from a medical adviser, we will reimburse your reasonable

additional accommodation and travel expenses.

Emergency travel & accommodation expenses for a

necessary companion

b] If during the period of cover available for your journey, you

are admitted to hospital suffering from a life threatening

or other serious condition which occurs during the period

of cover available for your journey, we will reimburse the

reasonable travel and accommodation expenses for a

relative or friend to travel to you, stay near you or escort

you. The relative or friend must travel to you, stay near you

or escort you on the written advice of your treating medical

adviser and with the prior written approval of Allianz Global

Assistance for which approval will not be unreasonably

withheld or delayed. Please contact Allianz Global Assistance

for approval of these costs. Otherwise we may reduce

the amount payable for your claim to the extent we are

prejudiced.

Additional travel & accommodation expenses due to your

travel companion’s incapacity

c] If your travel companion cannot continue their journey

because of an injury or sickness (including if your travel

companion is positively diagnosed as suffering a sickness

recognised as an epidemic or pandemic, such as COVID-19)

which occurs during the period of cover available for

your journey and which needs immediate treatment

from a medical adviser, we will reimburse your reasonable

additional accommodation and travel expenses for you to

remain with your travel companion. Please contact Allianz

Global Assistance for approval of these costs. No cover is

available for a claim arising from any pre-existing medical

condition of your travel companion.

Expenses due to your repatriation or evacuation home

d] If during the period of cover available, you shorten your

journey and return to your home on the advice of your

treating medical adviser and with the approval of Allianz

Global Assistance, we will reimburse the reasonable

additional cost of your return to your home. We will only pay

the cost of the fare class that you had planned to travel at and

you must make use of any pre-arranged return travel to your

home. Please contact Allianz Global Assistance for approval of

these costs.

Repatriation of dependants left without supervision

e] If your dependants are left without supervision following

your hospital admission or evacuation during the period of

cover available for your journey, we will pay the reasonable

additional travel and accommodation expenses incurred

to return them to your home, including the travel and

accommodation expenses of an escort if agreed to by

Allianz Global Assistance. Please contact Allianz Global

Assistance for approval of these costs. Such approval will

not be unreasonably withheld or delayed.

Additional travel & accommodation expenses due to

specified events

f ] In addition, if during the period of cover available a

disruption to your journey arises from:

• your scheduled or connecting transport being cancelled,

delayed, rescheduled or diverted because of a strike, riot,

hijack, civil protest, weather, natural disaster or accident

affecting your mode of transport;

• you unknowingly break any quarantine rule (but not a

quarantine rule applying to an epidemic or pandemic);

• you lose your passport, travel documents or transaction

cards or they are stolen; or

• your home being rendered uninhabitable by fire,

explosion, earthquake or flood,

we will reimburse your reasonable additional travel and

accommodation expenses. Please contact Allianz Global

Assistance for approval of these costs. Such approval will

not be unreasonably withheld or delayed.

Whenever claims are made by you under this section and Section

1.1 Cancellation for cancelled services/facilities or alternative

arrangements for the same or similar services/facilities, we will

pay for the higher of the two amounts, not both.

3.1.2 What we exclude

To the extent permitted by law, we will not pay your claim:

a] if you were aware, or a reasonable person in your

circumstances would have been aware, of any reason, before

you became eligible for the period of cover available, that may

cause your journey to be cancelled, disrupted or delayed;

b] if you can claim your additional travel and accommodation

expenses from anyone else;

c] if caused by any service provider misappropriating your

funds or failing to arrange or provide services for which you

have paid;

d] for cancellations, delays, rescheduling or diversions to your

scheduled or connecting transport unless it is due to a

strike, riot, hijack, civil protest, weather, natural disaster or

accident affecting your mode of transport;

e] if your claim arises directly or indirectly out of you operating

a rental vehicle in violation of the rental agreement.

SECTION 4.1 LUGGAGE

You must take all reasonable precautions to safeguard your

covered items and your valuables. If you do not, we will not

pay your claim. For example, you will not be taking reasonable

precautions if you leave your belongings in a publicly accessible

location:

• at such a distance from you that you are unable to prevent

them being taken; or

• with a person who is not a travel companion or a relative

(or if these persons fail to take all reasonable precautions to

safeguard your covered items or valuables).

This includes forgetting or misplacing any items, leaving them

behind or walking away from them.

4.1.1 What we cover

a] If, during the period of cover available for your journey, the

following covered items or valuables:

• baggage, clothing or personal valuables;

• portable electrical equipment, laptop computers and

associated equipment/accessories, binoculars, cameras

and associated equipment/accessories,

are stolen, accidentally damaged or are permanently lost,

except when:

• left in a vehicle (see sub-section 4.1.1 b] below); or

• are valuables left in a vehicle or checked in to be

transported in the cargo hold of any aircraft, ship, train,

tram or bus (see sub-section 4.1.1 c] below).

The amount we will pay will be the lesser of:

• the depreciated value after allowing for age, wear and

tear (see the Depreciation section for details);

• the original purchase price;

• the replacement cost; or

• the repair cost.

We will not apply depreciation to any item we pay for

where less than 12 consecutive months have elapsed since

the item was purchased new.

The maximum amount we will pay for any item is up to the

item limit specified in Part C - Benefit Limits - 4.1 Luggage.

A pair or related set of items, for example (but not limited to):

• a camera, lenses (attached or not), tripod and

accessories;

• a matched or unmatched set of golf clubs, golf bag and

buggy; or

• a matching pair of earrings,

are considered as only one item for the purpose of this cover,

and the appropriate single item limit will be applied.

b] Covered items specified in 4.1.1a] that are left in a vehicle

during the period of cover provided for your journey are only

covered during daylight hours and must have been left in a

concealed storage compartment of a locked vehicle, and in

the event of theft forced entry must have been made. The

most we will pay is up to the total amount specified in Part C

- Benefit Limits - 4.1.1b] Luggage for all covered items stolen

from a locked vehicle.

c] No cover is available for valuables left in a vehicle at any time

or valuables checked in to be transported in the cargo hold

of any aircraft, ship, train, tram or bus including any loss from

the point of check in until collection by you from the baggage

carousel or collection area at the end of your flight, voyage or

trip. However, cover will be available for loss theft or accidental

damage to laptops, tablets and mobile/smartphones when

(without prior notice) you are directed by the airline with

whom you have a flight booking to place the laptop, tablet

or mobile/smartphone into your checked in baggage or

overhead cabin locker for the duration of your flight.

Conditions

If you make a claim, you will need to provide proof of your

ownership and the value of your belongings. Examples of

proof include receipts and/or valuations (e.g. receipt or

valuation for jewellery).

If you cannot prove the value of the items, the most we will pay

for each individual item is 10% of the limit shown for that type

of item in the Part C - Benefit Limits - 4.1 Luggage.

As soon as practical you should report any loss or theft to the

police or an office of the bus line, airline, shipping line or rail

authority you were travelling on when the loss or theft occurred.

You should make reasonable efforts to obtain confirmation

from whoever you made the report to as this may be the easiest

way to provide evidence of the loss or theft. If you delay or fail

to make a report and we are prejudiced by your delay or failure,

we may be entitled to reduce your claim by the amount of

prejudice we have suffered.

If you are entitled to be reimbursed by the bus line, airline,

shipping line or rail authority you were travelling on when the

loss, theft, misplacement or damage occurred we will deduct

the amount you are entitled to from any claim payable by us.

However, if you are not reimbursed the full amount of your loss,

we will pay the difference between the amount of your loss and

what you were reimbursed, up to the limit of the cover available.

4.1.2 What we exclude

To the extent permitted by law, we will not pay a claim in

relation to your covered items and valuables if:

a] the loss, theft or damage is to, or of, covered items or

valuables left behind in any hotel or motel room after you

have checked out, or items left behind in any aircraft, ship,

train, tram, taxi or bus;

b] the covered items or valuables were being sent

unaccompanied by you or under a freight contract;

c] the loss or damage arises from any process of cleaning,

repair or alteration;

d] the loss or damage arises from ordinary wear and tear,

deterioration, atmospheric or weather conditions, insects,

rodents or vermin;

e] the covered item or valuable disappears in circumstances

that cannot be explained;

f ] your claim arises from a government authority confiscating,

detaining or destroying anything;

g] you do not take all reasonable precautions to safeguard

your covered items or valuables. For example, you will

not be taking reasonable precautions if you leave your

belongings in a publicly accessible location:

• at such a distance from you that you are unable to

prevent them being taken; or

• with a person who is not a travel companion or a relative

(or if these persons fail to take all reasonable precautions

to safeguard your covered items or valuables).

This includes forgetting or misplacing any items, leaving

them behind or walking away from them;

h] the covered item or valuable has an inherent defect or an

electrical or mechanical breakdown that is known or could

be reasonably know by you;

i] the covered item or valuable is fragile or brittle or is an

electrical component and is broken unless the breakage

was caused by theft, fire or an accident involving a vehicle

in which you were travelling;

j] the loss or damage arises from scratches occurring to lenses

or screens of covered items or valuables however caused;

k] the covered items were sporting equipment that were

damaged during use.

SECTION 4.2 LUGGAGE DELAY

4.2.1 What we cover

If during the period of cover available for your journey any of

your covered items are delayed, misdirected or misplaced by the

carrier for more than 12 consecutive hours, we will reimburse you

for the reasonable costs you incur for you to purchase essential

items of clothing or other personal items, up to the amount

specified in Part C - Benefit Limits - 4.2 Luggage Delay.

Conditions

You will need to make reasonable efforts to obtain confirmation

from the carrier who was responsible for your covered items

confirming that your items were delayed, misdirected or

misplaced as this may be the easiest way to provide evidence of

the delay.

We will deduct any amount we pay you under this section from

any subsequent claim you make for lost covered items payable

under Section 4.1 Luggage.

If you are entitled to be reimbursed by the bus line, airline,

shipping line or rail authority you were travelling on when the

loss, theft, misplacement or damage occurred we will deduct

the amount you are entitled to from any claim payable by us.

However, if you are not reimbursed the full amount of your loss,

we will pay the difference between the amount of your loss and

what you were reimbursed, up to the limit of cover available.

RENTAL VEHICLE EXCESS

INSURANCE IN AUSTRALIA

PART A - ELIGIBILITY FOR COVER

WHO IS ELIGIBLE?

Cardholders are eligible when the entire payment for the

vehicle rental was charged to the accountholder’s card account.

PART B - PERIOD OF COVER

The cover available begins when you collect the rental vehicle

from the rental vehicle company or agency you have entered

into a rental vehicle agreement with and ends when you return

the rental vehicle to the rental vehicle company or agency or the

expiry of the rental vehicle agreement, whichever occurs earlier.

PART C - BENEFIT LIMITS

The table sets out the maximum limits of what we will pay

under Rental Vehicle Excess Insurance in Australia. All limits and

sub-limits in the table below are shown in Australian dollars.

The cover available is outlined in Part E and is subject to the

terms, conditions, exclusions, limits and applicable sub-limits

that apply.

Limit

Maximum total limit of up to the amount specified in your

rental vehicle agreement or $5,000, whichever is the lesser

for all claims combined during the rental period.

PART D - EXCESS AND EXCLUSIONS

EXCESS - WHAT YOU CONTRIBUTE TO A CLAIM

You must pay the following excess amount for each claim made

under this insurance, even if a number of claims are submitted

on the one claim form. However, if you make more than one

claim as the result of a single event, the highest excess will

apply, but will only apply once.

An excess of $100 applies to each claim payable under Rental

Vehicle Excess Insurance in Australia.

EXCLUSIONS

The exclusions below set out what is not covered. You should

also read each section as they contain specific exclusions that

also apply. To the extent permitted by law, we do not cover you

for any loss, damage or expense caused or arising from:

1. your loss of enjoyment; loss of opportunity; loss of

revenue; loss of profits or loss of goodwill;

2. your intentional self harm or your suicide or your

attempted suicide;

3. your claim arising from, or is caused, or is contributed to by

you being affected by any intoxicating liquor or drug to

the extent that your physical, or mental functions, or your

judgement are impaired, except a drug prescribed to you

by a medical adviser, and taken in accordance with their

instructions;

4. you using the rental vehicle in breach of the rental vehicle

agreement;

5. you using the rental vehicle without a licence for the purpose

that you were using it; (such as but not limited to the

carrying of fare paying passengers or the carrying of freight);

6. administrative charges or fees of the rental company that

are not a component of the amount that is specified in

your rental vehicle agreement;

7. any act of terrorism;

8. any act of war, whether war is declared or not, or from any

rebellion, revolution, insurrection or taking of power by the

military;

9. a nuclear reaction or contamination from nuclear weapons

or radioactivity;

10. biological and/or chemical materials, substances,

compounds or the like used directly or indirectly for the

purpose of harming or to destroy human life and/or create

public fear;

11. providing cover or being liable to pay any claim or provide

any benefit under this policy to the extent that the

provision of such cover, payment of such claim or provision

of such benefit would constitute a breach of any trade or

economic sanction, embargo, prohibition or restriction

imposed by any of the following: United Nations, United

States of America, Australia, European Union, United

Kingdom, or New Zealand, or any other applicable national

trade or economic sanctions, laws or regulations. This

clause shall apply where such geographical location,

provision of goods, services or other reasons shall

contravene such sanction, embargo, prohibition or

restriction;.

12. your failure to take reasonable care such as failure to wear

appropriate safety equipment.

PART E - THE COVER AVAILABLE

In order to be sure that you are covered under this policy, where

reasonable, you should always call us for approval before you

incur certain expenses. If you do not, we will pay for expenses

incurred up to the amount we would have authorised had you

asked us first.

Cover is only available if your rental vehicle agreement specifies

an amount that is payable in the event the rental vehicle is

damaged or stolen while in your custody.

This cover may not provide cover for items such as, but not

limited to, tyres, windscreens, glass, roof and underbody if

damage to these items is in addition to the specific amount

shown in your rental vehicle agreement that you are

responsible to pay for damage or theft.

WHAT WE COVER

If, during the period of cover available, a rental vehicle you have

rented from a rental company or agency is:

• involved in a motor vehicle accident while you are driving it; or

• damaged or stolen while in your custody,

then we will pay you the lesser of:

• the cost of property damage for which you are liable; or

• the amount specified that you must pay under your rental

vehicle agreement; or

• the limit shown in Part C - Benefit Limits.

Conditions

To support your claim, you must take reasonable steps to provide

us with a copy of:

• your rental vehicle agreement;

• the incident report that was completed;

• written confirmation from the rental company or agency of

the amount for which you are liable.

You may also need to provide:

• the repair account and invoice from the motor vehicle

repairer (if available to you); and

• an itemised list of the value of the damage.

PURCHASE PROTECTION

INSURANCE

PART A - ELIGIBILITY FOR COVER

WHO IS ELIGIBLE?

Cardholders are eligible for Purchase Protection Insurance for

covered items:

• purchased anywhere in the world; or

• purchased and given as a gift to any permanent Australian

resident,

provided the whole purchase price of the covered item is

charged to the accountholder’s card account.

PART B - PERIOD OF COVER

Purchase Protection Insurance applies to a covered item after

the date you take possession of the covered item provided

the full purchase price of the covered item is charged to the

accountholder’s card account. The following maximum period

of cover is available for your covered item.

Period of Cover

90 consecutive days from the date you take possession of

the covered item purchased on an ANZ Credit Card

PART C - BENEFIT LIMITS

The table sets out the maximum limits of what we will pay

under Purchase Protection Insurance. All limits and sub-limits in

the table below are shown in Australian dollars.

The cover available is outlined in Part E and is subject to the

applicable terms, conditions, exclusions, limits and sub-limits.

If you need advice in respect of your particular circumstances or

needs please consult an appropriately licensed insurance adviser.

Limit

Purchase price charged to card account limited to $10,000

per covered item, except for jewellery, watches and new

works of art which are limited to $3,500. Maximum total limit

for all claims in any 12 month period is $135,000 per card

account.

PART D - EXCESS AND EXCLUSIONS

EXCESS - WHAT YOU CONTRIBUTE TO A CLAIM

No excess applies to any claim under Purchase Protection

Insurance.

EXCLUSIONS

The exclusions below set out what is not covered. You should

also read each section as they contain specific exclusions that

also apply. To the extent permitted by law, we do not cover you

for any loss, damage or expense caused by, arising directly or

indirectly from or in any way related to:

1. the loss, theft or damage is to, or of, items left behind in

any hotel or motel room after you have checked out, or

items left behind in any aircraft, ship, train, tram, taxi or bus;

2. covered items or valuables being sent unaccompanied by

you or under a freight contract;

3. loss or damage arising from any process of cleaning, repair

or alteration;

4. loss or damage arising from ordinary wear and tear,

deterioration, atmospheric or weather conditions, insects,

rodents or vermin;

5. the disappearance of covered items or valuables in

circumstances that cannot be reasonably explained;

6. your claim arising from a government authority

confiscating, detaining or destroying anything;

7. you not taking all reasonable precautions to safeguard

your covered items or valuables. For example, you will not

be taking reasonable precautions if you leave your

belongings in a publicly accessible location:

• at such a distance from you that you are unable to

prevent them being taken; or

• with a person who is not a travel companion

or a relative (or these persons fail to take all reasonable

precautions to safeguard your covered items or

valuables).

This includes forgetting or misplacing any items, leaving

them behind or walking away from them;

8. the covered item or valuable has an electrical or

mechanical breakdown.

9. any act of war, whether war is declared or not, or from any

rebellion, revolution, insurrection or taking of power by the

military;

10. a nuclear reaction or contamination from nuclear weapons

or radioactivity;

11. biological and/or chemical materials, substances,

compounds or the like used directly or indirectly for the

purpose of harming or to destroy human life and/or create

public fear;

12. providing cover or being liable to pay any claim or provide

any benefit under this policy to the extent that the

provision of such cover, payment of such claim or

provision of such benefit would constitute a breach of any

trade or economic sanction, embargo, prohibition or

restriction imposed by any of the following: United

Nations, United States of America, Australia, European

Union, United Kingdom, or New Zealand, or any other

applicable national trade or economic sanctions, laws or

regulations. This clause shall apply where such

geographical location, provision of goods, services or

other reasons shall contravene such sanction, embargo,

prohibition or restriction;

13. your failure to take reasonable care;

14. the covered items were sporting equipment that were

damaged during use;

15. the covered items were valuables that were checked in to be

transported in the cargo hold of any aircraft, ship, train, tram

or bus (including any loss from the point of check in until

collection by you from the baggage carousel or collection

area at the end of your flight, voyage or trip);

16. the covered items were left in a motor vehicle.

PART E - THE COVER AVAILABLE

You must take all reasonable precautions to safeguard your

covered items and your valuables. If you do not, we will not

pay your claim. For example, you will not be taking reasonable

precautions if you leave your covered items or your valuables in

a publicly accessible location:

• at such a distance from you that you are unable to prevent

them being taken; or

• with a person who is not a travel companion or a relative

(or if these persons fail to take all reasonable precautions to

safeguard your covered items and your valuables).

This includes forgetting or misplacing any items, leaving them

behind or walking away from them.

What we cover

If, during the period of cover available, your covered item is

stolen, accidentally damaged or permanently lost, we will pay

the lesser of:

a] the original purchase price charged to the accountholder’s

card account up to the limit specified in Part C - Benefit

Limits; or

b] the limit per claim specified in Part C - Benefit Limits for

jewellery, watches and new works of art.

The most we will pay for all claims in any 12-month period is the

maximum total limit specified in Part C - Benefit Limits.

Conditions

If you make a claim, you will need to provide proof of your

ownership and the value of your belongings. Examples of proof

include receipts and/or valuations (e.g. receipt or valuation for

jewellery).

As soon as reasonably practical you should report any loss or

theft to the police or an office of the bus line, airline, shipping

line or rail authority you were travelling on when the loss or

theft occurred.

You should make reasonable efforts to obtain confirmation

from whoever you made the report to as this may be the easiest

way to provide evidence of the loss or theft. If you unreasonably

delay or fail to make a report and we are prejudiced by your

delay or failure, we may reduce the amount payable for your

claim to the extent we are prejudiced.

If you are entitled to be reimbursed by the bus line, airline,

shipping line or rail authority you were travelling on when the

loss, theft, misplacement or damage occurred we will deduct

the amount you are entitled to from any claim payable by us.

However, if you are not reimbursed the full amount of your loss,

we will pay the difference between the amount of your loss

and what you were reimbursed, up to the limit of the cover

available.

EXTENDED WARRANTY

INSURANCE

PART A - ELIGIBILITY FOR COVER

WHO IS ELIGIBLE?

Cardholders are eligible for Extended Warranty Insurance when

the whole purchase price of the covered item is charged to

the accountholder’s card account. This Extended Warranty

Insurance is not transferable to any other person.

Only items with a manufacturer’s unique identification serial

number on them and a manufacturer’s warranty period are

covered under this insurance.

PART B - PERIOD OF COVER

Cover applies from the date the manufacturer’s warranty expires

and applies for the same period as the manufacturer’s warranty

for up to a maximum of one full year. However, there is no cover if

the manufacturer’s warranty exceeds five years.

The table below sets out examples of how extended warranty

periods apply.

Manufacturer’s Warranty

Period

Extended Warranty Period

6 months 6 months

1 year 1 year

1 to 5 years 1 year

Over 5 years No cover

PART C - BENEFIT LIMITS

The table sets out the maximum limits of what we will pay

under Extended Warranty Insurance. All limits and sub-limits in

the table below are shown in Australian dollars.

The cover available is outlined in Part E and is subject to the

applicable terms, conditions, exclusions, limits and sub-limits.

If you need advice in respect of your particular circumstances

or needs please consult an appropriately licensed insurance

adviser.

Limit

Purchase price charged to card account limited to $10,000

per covered item up to a maximum total limit of $10,000 per

card account in any 12-month period.

PART D - EXCESS AND EXCLUSIONS

EXCESS - WHAT YOU CONTRIBUTE TO A CLAIM

No excess applies to any claim under Extended Warranty

Insurance.

EXCLUSIONS

The exclusions below set out what is not covered. You should

also read each section as they contain specific exclusions that

also apply. To the extent permitted by law, we do not cover you

for any loss, damage or expense caused by, arising from, or in

any way related to:

1. illegal or criminal acts by you, your spouse, your

dependants or any other person acting with your consent

or under your direction;

2. your failure to take reasonable care;

3. any act of war, whether war is declared or not, or from any

rebellion, revolution, insurrection or taking of power by the

military;

4. a nuclear reaction or contamination from nuclear weapons

or radioactivity;

5. biological and/or chemical materials, substances,

compounds or the like used directly or indirectly for the

purpose of harming or to destroy human life and/or create

public fear;

6. providing cover or being liable to pay any claim or provide

any benefit under this policy to the extent that the

provision of such cover, payment of such claim or provision

of such benefit would constitute a breach of any trade or

economic sanction, embargo, prohibition or restriction

imposed by any of the following: United Nations, United

States of America, Australia, European Union, United

Kingdom, or New Zealand, or any other applicable national

trade or economic sanctions, laws or regulations. This

clause shall apply where such geographical location,

provision of goods, services or other reasons shall

contravene such sanction, embargo, prohibition or

restriction.

PART E - THE COVER AVAILABLE

Your covered item may come with guarantees that cannot be

excluded under the Australian Consumer Law (ACL) or other

relevant law. This cover operates alongside, and in addition to,

the rights and remedies to which you may be entitled under

the ACL and any other law that applies to your covered item

and does not change those rights or remedies.

What we cover

If a covered item that you purchased and charged the whole

purchase price to the accountholder’s card account suffers a

covered breakdown during the period of cover available after

the manufacturer’s warranty expires, we will reimburse you the

lesser of:

• the original purchase price; or

• the repair cost; or

• the replacement cost; or

• the limit per covered item specified in Part C - Benefit Limits,

subject to the maximum total limit per card account in any 12

consecutive month period as specified in Part C - Benefit Limits.

Conditions

Only items with a manufacturer’s unique identification serial

number on them are covered under this insurance.

You should take all reasonable care to protect and/or maintain

your covered items.

You should obtain our approval before starting any repairs or

replacement of any covered item that has suffered a covered

breakdown. If you do not, we may reduce the amount payable

for your claim to the extent we are prejudiced. Please contact

Allianz Global Assistance for approval of these costs.

CLAIMS

HOW TO MAKE A CLAIM

Please do not contact ANZ in the event of a claim.

First check that you are entitled to claim by reading the

appropriate section in this booklet, especially Part D of that

section, to see exactly what is, and is not covered, noting

particularly any conditions, limitations and exclusions.

Allianz Global Assistance administers the benefits available

under the Group Policy. You should give Allianz Global

Assistance notice of your claim as soon as possible.

In order to be sure that any expenses you claim are covered by

the Group Policy you should always, when practicable, contact

Allianz Global Assistance for approval before you incur expenses

you wish to claim. If you do not, we will pay for expenses

incurred up to the amount we would have authorised had you

asked us first.

You are not covered for any claim made after termination of,

or the expiry of, the period of insurance specified in the Group

Policy. ANZ will provide you with details of any replacement

cover.

You can lodge your International Travel Insurance claim online

at: claimmanager.com.au/anz

You can obtain claim forms and information on how to make a

claim at: travel.agaassistance.com.au/anz/make-a-claim

Allianz Global Assistance will consider your claim within 10

business days of receiving a completed claim form and all

necessary documentation. If we need additional information, a

written notification will be sent to you within 10 business days.

If there is a delay in claim notification, or you do not provide

sufficient detail for Allianz Global Assistance to consider your

claim, we may reduce the amount payable for your claim to the

extent we are prejudiced.

You should give any information Allianz Global Assistance

reasonably asks for to support your claim at your expense, such

as but not limited to police reports, valuations, medical reports,

original receipts or proof of purchase and ownership. If required

Allianz Global Assistance may ask you to provide them with

translations into English of any such documents to enable their

consideration of your claim.

You should take all reasonable steps to co-operate in relation to

providing supporting evidence and such other information that

may reasonably be required.

In particular:

• If you think that you may have to cancel your journey

or shorten your journey you should tell us as soon as

reasonably possible. Contact Allianz Global Assistance using

the contact number, or if overseas the 24-hour Emergency

Assistance number, shown inside the front cover of this

booklet;

• In the event of an emergency or admission to hospital

overseas or for medical, hospital or dental claims, contact

Allianz Global Assistance as soon as practicable;

• For loss or theft of your covered items or valuables, you

should as soon as reasonably praticable report it to the

police and obtain confirmation of your report. If you

unreasonably delay or fail to make a report, we may reduce

or refuse your claim to the extent we are prejudiced;

• For damage or misplacement of your covered items or

valuables, caused by the airline or any other operator

or accommodation provider, report the damage or

misplacement as soon as possible to an appropriate official

and make reasonable efforts to obtain a written report,

including any offer of settlement that they may make.

DEPRECIATION

When taking into consideration the age of a covered item or

valuable we will (acting reasonably) deduct the following:

• For toiletries and medication (including skin care, make-up,

perfume, deodorant and aftershave) we will deduct 50% of

the purchase price for each year you have owned the item

up to a maximum deduction of 80%;

• For mobile phones, smart phones, electrical devices,

communication devices, all computers (including laptops

and tablets), photographic equipment and electronics

equipment we will deduct 20% of the purchase price for

each year you have owned the item up to a maximum

deduction of 80%;

• For clothing, footwear, luggage and books we will deduct

15% of the purchase price for each year you have owned

the item up to a maximum deduction of 80%;

• For camping, sporting and leisure equipment (but not

leisure clothing) and musical instruments we will deduct

10% of the purchase price for each year you have owned

the item up to a maximum deduction of 80%;

• For jewellery we will not make any deduction. Please note,

watches are not considered jewellery and are included

under other items below;

• For all other items we will deduct 15% of the purchase price

for each year you have owned the item up to a maximum

deduction of 60%.

For example:

You have a $500 digital camera that was purchased 2 years

before the date it was lost. The rate of depreciation would

be 20% per year.

In settlement of your claim we would pay you $300 (i.e. we

will depreciate the value of the digital camera by 20% of

the purchase price for each of the 2 years you have owned

it), calculated as follows:

Year 1 - Purchase price of $500 less 20% ($100) = $400

Year 2 - Depreciated value of $400 less 20% of the purchase

price ($100) = $300

CLAIMS ARE PAYABLE IN AUSTRALIAN

DOLLARS

We will pay all claims in Australian dollars. We will pay you

unless you tell us to pay someone else. The rate of currency

exchange that will apply is the rate at the time you incurred

the expense. Payment will be made by direct credit to a bank

account nominated by you.

RECOVERY

If we have a claim against someone in relation to the money we

have to pay or we have paid, you must take reasonable steps

to help us do that in legal proceedings. If you are aware of any

third party that you or we may recover money from, you must

take reasonable steps to inform us of such third party.

When making a claim you should tell us about any other

insurance under which you are or might be able to claim. If you

can claim from another insurer and we also pay you in respect

of the same insured event, then you will be required to refund

to us the amount we paid if the other insurer also pay you.

You cannot claim from us and from the other insurer to obtain

an aggregate amount that exceeds your loss.

If during the period of cover made available, you suffer a loss

which is not fully covered by the Group Policy, we may offer to

attempt to recover your uninsured loss for you.

You may specifically ask us to recover this for you however, we

have no obligation to do so. You will need to give us documents

supporting your loss. Before we include any uninsured loss in

a recovery action, we will also ask you to agree to the basis on

which we will handle your uninsured recovery action. You may

need to contribute to legal costs in some circumstances.

We will apply any money we recover from someone else under

a right of subrogation in the following order:

1. To us, our costs (administration and legal) arising from

the recovery.

2. To us, an amount equal to the amount that we paid to you

under the Group Policy.

3. To you, your uninsured loss.

4. To you, your excess.

Once we pay your total loss (including your uninsured loss and

any excess) we will pay you the balance of any money left over.

If we have paid your total loss and you receive a payment from

someone else for that loss or damage, you will need to pay us

the amount of that payment up to the amount of the claim we

paid you.

HOW GST MAY AFFECT YOUR CLAIM

If you are entitled to claim an input tax credit in respect of a

cost for which a claim is made, or would be entitled to an input

tax credit if you were to incur the relevant cost (i.e. in replacing

a lost or stolen item), the amount we would otherwise pay will

be reduced by the amount of that input tax credit.

FRAUD

When making a claim you have a responsibility to assist us and

to act in an honest and truthful manner.

If any claim is fraudulent in any way or if you or anyone acting

on your behalf uses fraudulent means to make a claim on

the cover described in this booklet, then no payment will be

made in regard to the claim. Also ANZ will be informed of

the situation and you may no longer be eligible for the cover

described in this booklet.

COMPLAINTS AND DISPUTES

If you are dissatisfied with our service in any way, please contact

us using the details on the inside front cover of this booklet and

we will attempt to resolve the matter in accordance with our

internal dispute resolution procedures.

If we do not make a decision within the period that we tell you

we will respond, we will tell you about your right to lodge a

complaint with an external dispute resolution scheme.

If you are not happy with our response, you can refer your

complaint to AFCA subject to its terms of reference. AFCA

provides a free and independent dispute resolution service for

consumers who have general insurance disputes falling within

its terms. AFCA’s contact details are:

The Australian Financial Complaints Authority

Online: www.afca.org.au

Phone: 1800 931 678

Email: info@afca.org.au

Mail: GPO Box 3 Melbourne VIC 3001

For more information on how we handle complaints you can

request a copy of our procedures, using our contact details on

the inside front cover.

GENERAL INSURANCE CODE OF

PRACTICE

The General Insurance Code of Practice was developed by

the Insurance Council of Australia to further raise standards of

practice and service across the insurance industry. The Code

Governance Committee (CGC) is an independent body that

monitors and enforces insurers’ compliance with the Code.

You can obtain more information on the Code of Practice and

how it assists you by contacting us. Contact details are provided

on the inside front cover of this booklet. For more information

on the Code Governance Committee (CGC) go to

www.insurancecode.org.au.

ANZCCINAC 06/2024 IMP3485

Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Australian Credit Licence Number 234527. Item No. 97968 04.2024 WZ139132

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