No trip cancellation. This benefit is not included with this card. Prepaid flights, hotels and tours are not reimbursable if you cancel, and a non-refundable week in Tokyo for two commonly runs to several thousand dollars.
ANZ Airpoints credit card: does the Airpoints Visa include any travel insurance?
ANZ·$65/year·Visa
0,0/5Independent review · verified October 2026
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Our Verdict · Travel Insurance
Our take on travel insurance for the ANZ Airpoints Visa
Expert review · Pauline LauroreAuthor of HelloSafe's card insurance reviews
0% currency conversion charge. No travel insurance. So, you're in a clinic in Bali and the front desk wants a card before anyone treats you: the Airpoints Visa will settle the bill in rupiah with no conversion charge, and nothing attached to it pays you back. Most people searching for ANZ Airpoints Visa travel insurance assume an Airpoints card insures the trip it paid for. It doesn't: ANZ publishes no policy wording (the insurer's full policy document for a card's complimentary cover) for this card, so there is no overseas medical, cancellation, evacuation or luggage cover, whatever share of the trip you charge to it. ACC (the Accident Compensation Corporation) and the public health system don't pay for treatment overseas, while a standalone New Zealand travel policy covers those risks with no condition on how you paid. If you carry the card for its 1 Airpoint per $170 and fee-free spending abroad, it does that job well; if you want the trip insured, budget for a travel policy as a separate line.
What works on travel
- 0% currency conversion charge on foreign currency transactions, online and overseas
- 1 Airpoint for every $170 spent on eligible purchases, with no expiry while you hold the card
- Up to 44 interest-free days on purchases when the balance is paid in full each month
Where travel breaks down
- No overseas emergency medical cover: ACC stops at the border, so a hospital bill in Honolulu is yours to pay
- No trip cancellation: prepaid flights and hotels are lost if illness or a family emergency stops the trip
- No evacuation or repatriation: an air ambulance from Bali to New Zealand commonly costs six figures
- No luggage, travel delay or travel document cover, overseas or on trips within New Zealand
- $65 annual fee with no insurance benefit attached to it
Our methodology
Every score is derived from official bank documents: terms and conditions, benefit guides, and claim procedures. No commercial relationship influences our ratings.
Travel Insurance · 20 guarantees
What does ANZ Airpoints Visa Travel Insurance actually cover?
What's not covered
- ANZ attaches no complimentary insurance to the Airpoints Visa, so this benefit does not exist on the card.
No overseas medical cover. This benefit is not included with this card. All medical costs overseas are the cardholder's responsibility, because ACC and the public health system don't pay for treatment overseas, and a few nights in a Honolulu hospital commonly run to six figures.
What's not covered
- ANZ attaches no complimentary insurance to the Airpoints Visa, so this benefit does not exist on the card.
No evacuation or repatriation. This benefit is not included with this card. Evacuation and repatriation costs are entirely the cardholder's responsibility, and an air ambulance from Bali to New Zealand commonly costs six figures.
What's not covered
- ANZ attaches no complimentary insurance to the Airpoints Visa, so this benefit does not exist on the card.
No emergency dental cover. This benefit is not included with this card. Emergency dental treatment overseas is out of pocket, because ACC and the public health system don't pay for treatment overseas.
What's not covered
- ANZ attaches no complimentary insurance to the Airpoints Visa, so this benefit does not exist on the card.
No hospital cash allowance. This benefit is not included with this card. No daily allowance is paid during a hospital stay overseas, so the incidental costs of an admission are yours to cover.
What's not covered
- ANZ attaches no complimentary insurance to the Airpoints Visa, so this benefit does not exist on the card.
No additional expenses cover. This benefit is not included with this card. Extra accommodation and transport after a disruption, such as a cyclone closing Nadi airport, are the cardholder's responsibility.
What's not covered
- ANZ attaches no complimentary insurance to the Airpoints Visa, so this benefit does not exist on the card.
No travel delay cover. This benefit is not included with this card. Meals, accommodation and transport during a long delay, such as an unplanned night in Honolulu, are the cardholder's responsibility.
What's not covered
- ANZ attaches no complimentary insurance to the Airpoints Visa, so this benefit does not exist on the card.
No alternative transport cover. This benefit is not included with this card. The cost of alternative transport to reach a prepaid cruise, tour or event on time is out of pocket.
What's not covered
- ANZ attaches no complimentary insurance to the Airpoints Visa, so this benefit does not exist on the card.
No return home cover. This benefit is not included with this card. The cost of flying home after a family emergency, and of resuming the trip afterwards, is out of pocket.
What's not covered
- ANZ attaches no complimentary insurance to the Airpoints Visa, so this benefit does not exist on the card.
No luggage delay cover. This benefit is not included with this card. Clothes and toiletries bought while your bag is delayed, say on arrival in Rarotonga, are out of pocket.
What's not covered
- ANZ attaches no complimentary insurance to the Airpoints Visa, so this benefit does not exist on the card.
No luggage cover. This benefit is not included with this card. Replacement costs for lost or stolen bags and belongings are the cardholder's responsibility.
What's not covered
- ANZ attaches no complimentary insurance to the Airpoints Visa, so this benefit does not exist on the card.
No travel documents cover. This benefit is not included with this card. Replacing a lost passport or stolen cash overseas, including the extra travel to reach a consulate, is out of pocket.
What's not covered
- ANZ attaches no complimentary insurance to the Airpoints Visa, so this benefit does not exist on the card.
No personal liability cover. This benefit is not included with this card. Legal liability for injuring someone or damaging property overseas is uninsured, and claims of this kind commonly reach hundreds of thousands of dollars.
What's not covered
- ANZ attaches no complimentary insurance to the Airpoints Visa, so this benefit does not exist on the card.
No accidental death cover. This benefit is not included with this card. No lump sum is paid to you or your estate if an accident on the trip causes death or permanent disablement.
What's not covered
- ANZ attaches no complimentary insurance to the Airpoints Visa, so this benefit does not exist on the card.
No income protection. This benefit is not included with this card. Injured in Bali and off work for 8 weeks on your return, you get no income replacement from this card, and ACC weekly compensation only applies to injuries ACC covers.
What's not covered
- ANZ attaches no complimentary insurance to the Airpoints Visa, so this benefit does not exist on the card.
No domestic cancellation cover. This benefit is not included with this card. Prepaid domestic flights and accommodation, such as a Queenstown ski week, are not reimbursable if you cancel.
What's not covered
- ANZ attaches no complimentary insurance to the Airpoints Visa, so this benefit does not exist on the card.
No domestic delay cover. This benefit is not included with this card. Meals and accommodation during a delayed or cancelled domestic flight are the cardholder's responsibility.
What's not covered
- ANZ attaches no complimentary insurance to the Airpoints Visa, so this benefit does not exist on the card.
No domestic expenses cover. This benefit is not included with this card. Extra accommodation and transport after a disruption on a trip within New Zealand are out of pocket.
What's not covered
- ANZ attaches no complimentary insurance to the Airpoints Visa, so this benefit does not exist on the card.
No domestic luggage cover. This benefit is not included with this card. Lost or stolen luggage on a trip within New Zealand is not reimbursable through this card.
What's not covered
- ANZ attaches no complimentary insurance to the Airpoints Visa, so this benefit does not exist on the card.
No bag delay cover. This benefit is not included with this card. Essentials bought while your bag is delayed on a domestic flight are out of pocket.
What's not covered
- ANZ attaches no complimentary insurance to the Airpoints Visa, so this benefit does not exist on the card.
We source benefits from official card guides, but PDFs are sometimes hard to obtain or update. Spotted something off?
Coverage Radar
Where the ANZ Airpoints Visa wins, where it loses
Coverage snapshot for this tab — click any layer to highlight its scores.
Trip cancellation: not covered by this card
Medical fees abroad: not covered by this card
Medical repatriation: not covered by this card
Compare
Airpoints VisaThis card0.0/5?
$65/yrWith travel insuranceIdeal
Complete coverage · 5.0 / 5Premium card avg.
$297 avg. annual feeClick a layer to highlight its scores on the radar.
Side-by-side comparison
How the ANZ Airpoints Visa stacks up against the alternatives
Same 5 coverage dimensions, ranked head-to-head against the cards most Airpoints Visa shoppers also consider.
| Card | This card Airpoints Visa ANZ · $65/yr 0.0/5? | Airpoints Visa Platinum ANZ · $150/yr 3.1/5? | Visa Platinum Rewards ASB · $125/yr 3.2/5? | Platinum Card American Express · $850/yr 3.6/5? |
|---|---|---|---|---|
Trip cancellation Per person, per trip cap | Not covered Cover this gap → | Unlimited All prepaid travel, no dollar cap | Unlimited All prepaid deposits, no dollar cap | $30,000 per person All prepaid travel, $30,000 cap |
Emergency medical Hospital bills abroad | Not covered Cover this gap → | Unlimited Unlimited under age 75 | Unlimited Unlimited, ages 75 and under | $5,000,000 Capped $5,000,000, overseas only |
Emergency evacuation Air ambulance + repatriation | Not covered Cover this gap → | Unlimited Included in unlimited medical | Unlimited Included in unlimited medical | $5,000,000 Approved by Chubb Assistance |
Trip delay trigger Hours before benefits kick in | Not covered Cover this gap → | 6h / $250 Trigger: 6 hours | 6h / $400 Trigger: more than 6 hours | 4h / $650 Trigger: 4 hours |
Trip interruption Covered amount | Not covered Cover this gap → | Unlimited Unlimited, broad list of events | Unlimited Unlimited, broad list of events | $5,000 per person Trip change during the trip |
StrongLimited / misleadingNot covered
Data verified against each card's Guide to Benefits, May 2026.
Emergency · Card assistance line
How to contact ANZ Airpoints Visa assistance?
ANZ credit cards (New Zealand)
0800 269 277
Free call within New Zealand · Mon to Fri 8am to 7pm, Sat and Sun 9am to 5pm
Lost or stolen card (from overseas)
+64 9 522 3010
Toll charges apply · 24/7
Benefit administrator: None. The ANZ Airpoints Visa carries no complimentary insurance, so there is no insurer or claims administrator.
Claims & pre-authorizations
Is there anything to claim on the Airpoints Visa?
1
Step 1: Know there is no insurance claim to lodge
The ANZ Airpoints Visa includes no complimentary travel, rental or purchase cover, so there is no insurer, no emergency assistance line and no claim form. A medical bill, a cancelled trip or a damaged hire car while travelling stays with you unless you hold your own policy.
2
Step 2: For a lost card or an account problem, contact ANZ
Call 0800 658 044 in New Zealand, or +64 9 522 3010 from overseas, 24 hours a day to cancel a lost or stolen card, or block it in the ANZ goMoney app. Account questions go to 0800 269 277. If a complaint stays unresolved with ANZ, the Banking Ombudsman Scheme reviews it free of charge.
3
Step 3: For real cover, buy a standalone travel policy before you leave
Because the card insures nothing, take out a standalone travel insurance policy when you book, and rely on your home contents policy for what you buy. Any claim then goes to that insurer, so keep its policy number and 24/7 emergency line with you on the trip.
FAQ
What people ask about the ANZ Airpoints Visa
- There is nothing to activate, because the ANZ Airpoints Visa comes with no complimentary travel insurance. On New Zealand cards that do carry cover, it switches on when you charge some or all of your prepaid travel costs to the card before you leave, and ANZ reserves that cover for the Platinum version of this card. Paying for flights, a hotel or a hire car on the Airpoints Visa earns Airpoints, but it gives you no overseas medical, cancellation or baggage cover at any spend level. There is no registration, no cover check and no policy wording to read. If you are travelling, buy a standalone travel policy when you book, and treat this card as a way to pay rather than a way to insure the trip.
- Nobody, because no complimentary insurance policy is attached to the ANZ Airpoints Visa. There is no travel cover for the cardholder, an additional cardholder, a partner or dependent children, and no purchase cover on what any of them buy with the card. An additional card costs $5 a year on this account, and it carries no insurance either. Since no policy exists, there is no definition of covered persons to check before a trip. If your family is travelling overseas, a standalone travel policy can usually list a partner and children on one policy. For theft of things you bought, your home contents insurance is the cover that actually responds.
- No. The ANZ Airpoints Visa has no rental vehicle excess cover (the benefit that pays back what a hire company charges you after damage or theft), either for hires overseas or for hire cars and campervans rented in New Zealand. If the vehicle is damaged or stolen, the excess set in your rental agreement is yours to pay in full, and hire companies commonly set it in the thousands of dollars. Paying a foreign hire company on this card costs no currency conversion charge, but that does not change the excess. Before you collect the keys, take the hire company's excess reduction or buy a standalone rental excess policy, and check that campervans are included if you need one.
- There is no insurance claim to make, because the ANZ Airpoints Visa carries no complimentary travel, rental or purchase cover, so no insurer or claims administrator stands behind it. For a lost or stolen card, call ANZ on 0800 658 044, or +64 9 522 3010 from overseas, 24 hours a day. Account questions go to ANZ's credit card team on 0800 269 277. If a complaint about the card itself stays unresolved with ANZ, you can take it to the Banking Ombudsman Scheme, a free independent service. For a hospital bill, a cancelled trip or lost luggage, you claim on your own standalone travel policy instead, so carry its policy number and emergency line with you.
- The ANZ Airpoints Visa carries no complimentary insurance, so it covers none of the risks of a trip: no overseas medical, evacuation, cancellation, travel delay, luggage or personal liability cover, abroad or within New Zealand. There is no rental vehicle excess cover and no snow sports cover, and on the shopping side no purchase protection, extended warranty or mobile phone cover. ACC and the public health system don't pay for treatment overseas, so a few nights in a Honolulu hospital would land entirely on you. The card's travel value sits on the spending side instead: a 0% currency conversion charge and 1 Airpoint for every $170. Pair it with a standalone travel policy for any trip abroad.
- No. Skiing and snowboarding are not covered because the ANZ Airpoints Visa has no travel insurance at all, so there is no snow sports benefit, paid or free, to switch on. A fall on a groomed run in Japan, a helicopter transfer off the mountain, the hospital bill after it, a broken board and an unused lift pass all stay with you. ACC doesn't pay for treatment overseas, and a fracture treated in Japan quickly reaches five figures. The card does save you the currency conversion charge on a lift pass bought in yen. For the cover itself, buy a standalone travel policy with its snow sports option before you fly, and read whether it reaches beyond marked ski-field boundaries.
- Yes, for every overseas trip. The ANZ Airpoints Visa pays for the trip and earns Airpoints on it, but it does not insure it: there is no overseas medical, cancellation, evacuation or luggage cover. That matters because ACC and New Zealand's public health system don't pay for treatment overseas, and an air ambulance from Bali to New Zealand commonly costs six figures. A standalone New Zealand travel policy fills those gaps with no condition on how you paid for the trip. Buy it when you book rather than the week you fly, so cancellation cover is already in place if something goes wrong before departure.
- No. The ANZ Airpoints Visa does not include mobile phone insurance, so a cracked screen, water damage or a stolen handset is not covered, even when the phone or its monthly plan is paid on the card. There is no purchase protection window either, so a new phone stolen a week after you bought it is not reimbursed. Visa Zero Liability protects you against unauthorised transactions on the card if you report a loss promptly, but it does not pay for the phone itself. A flagship screen repair commonly costs several hundred dollars, so check whether your home contents policy covers portable items away from home, or list the phone as a specified item.
- No currency conversion charge applies: ANZ cut it from 1.3% to 0% on the Airpoints Visa, for foreign currency transactions made online and overseas. That makes the card cheap to spend with in Tokyo or Honolulu, and eligible purchases still earn 1 Airpoint for every $170. Two caveats are worth knowing. A shop or ATM overseas may offer to charge you in New Zealand dollars at its own exchange rate, so choose the local currency to keep the 0% benefit. And fee-free spending is not cover: the card still carries no travel insurance, so a medical bill or a cancelled trip abroad is yours unless you hold a standalone policy.
Not just ANZ
Other cards worth considering
Airpoints Visa is a strong choice — but depending on what you prioritize, one of these may suit you better.
Low Rate Visa
ANZ
CashBack Visa Platinum
ANZ
Airpoints Visa Platinum
ANZ
Warehouse Money Visa
Warehouse Money
Not sure how card insurance works? Read our guide to credit card travel insurance