ANZ travel credit card insurance: what does the Rewards Travel Adventures actually cover?

Covers all prepaid, non-refundable travel and accommodation cancelled for unforeseen reasons outside your control, up to $20,000 per person. Cover switches on only after you charge at least $250 of prepaid travel to the card and hold a return ticket. A $500 excess applies to each cancellation claim. Frequent flyer points and travel agent fees are included within the same $20,000 limit.

Pays overseas emergency medical and hospital costs up to $20 million, arranged and guaranteed by Allianz Global Assistance on the 24/7 line. A $500 excess applies per claim, and cover for continuing treatment runs for up to 12 months. Pre-existing conditions are not automatically covered; you must apply for assessment and pay a $75 fee. Medicare does not apply overseas, so this is the benefit that matters most.

Overseas emergency assistance, including medical evacuation and repatriation to Australia, is covered up to $20 million and arranged by the 24/7 Allianz Global Assistance team. There is no excess on this benefit. Repatriation of remains and reasonable funeral costs overseas are covered up to $25,000. Always call the assistance line before arranging transport.

Covers emergency dental treatment for sudden, acute pain to natural teeth (a spontaneous toothache), up to $2,000. A $500 excess applies. Treatment for decay, cosmetic work, or pre-existing dental conditions is not covered.

Pays $75 per person for each day you are an overseas hospital inpatient beyond the first 48 hours, up to a total of $8,000. There is no excess. It is a small cash top-up on the medical benefit, not a substitute for it.

Covers reasonable additional travel and accommodation if injury, illness or a covered disruption stops you continuing your journey, up to $100,000. A $500 excess applies. Covered disruptions include strikes, natural disasters, hijack, and your home being made uninhabitable.

After a delay of at least 6 consecutive hours to your scheduled transport, this covers meals at $50 and accommodation at $250 per 24 hours, up to $2,000. There is no excess. The delay must be outside your control and not caused by an airline financial collapse or terrorism.

Covers reasonable additional transport to reach a special event or connection on time after an unexpected interruption, up to $2,000. There is no excess. The event, such as a wedding, conference or prepaid tour, must have been booked before you left Australia.

Covers airfares to return home and resume your journey after the death or hospital admission of a relative in Australia, up to $3,000. There is no excess. Resumption is included provided more than 14 consecutive days or 25% of your trip remains.

If a carrier delays your luggage for more than 10 hours, this covers essential clothing and items up to $500, with a further $1,000 after 72 hours, to a total of $1,500. There is no excess. Keep receipts, and note this amount is deducted from any later lost-luggage claim.

Covers luggage and personal effects that are stolen, accidentally damaged or lost, up to $12,000 per person. Per-item sub-limits apply: $4,000 for computers, cameras and video cameras, and $1,000 for any other item, including mobile phones. A $500 excess applies, and items left in a vehicle are only covered during daylight hours from a locked boot after forced entry.

Covers the cost to reissue or replace passports, travel documents, transaction cards and travellers cheques, up to $3,000, plus loss from fraudulent use of stolen cards up to a further $3,000. There is no excess. Report any theft to police and the card issuer as soon as practical.

Covers your legal liability for accidental injury to other people or damage to their property overseas, up to $3,000,000 per event, including reasonable legal costs. There is no excess. Liability linked to vehicles, aircraft, watercraft, and your own family or business is excluded.

Pays a lump sum of $50,000 if the cardholder or spouse dies from an accidental injury during the journey, and $25,000 per dependant, up to a family total of $150,000. There is no excess. Permanent disability, such as loss of sight or a limb, is covered up to $50,000.

Replaces a cardholder's or spouse's verified weekly income if an overseas injury leaves you unable to work after you return home, up to a total of $10,000. Payment starts from the 31st consecutive day after your return. There is no cover for dependants, and disablement must be certified by a medical adviser.

Covers cancellation of prepaid interstate travel and accommodation for unforeseen reasons, up to $3,000, when the return domestic flight was charged to the card. A $100 excess applies. This is the interstate flight inconvenience cover, capped well below the overseas cancellation limit.

After a domestic flight delay of 4 hours or more, this covers meals and accommodation at $125 per person, up to a total of $300. There is no excess. Delays caused by terrorism are excluded.

Covers reasonable additional interstate travel and accommodation if injury, illness or a covered disruption interrupts a domestic trip, up to $3,000. A $100 excess applies. There is no domestic medical cover, because Medicare applies within Australia.

Covers luggage lost, stolen or damaged on an interstate trip, up to $750 per item and $2,000 in total. A $100 excess applies. Valuables and items left unattended in public carry the same care conditions as the overseas cover.

If a carrier delays your luggage for 12 hours or more on a domestic trip, this covers essential items at $150 per person, up to a total of $400. There is no excess. It is deducted from any later domestic lost-luggage claim.