wombat13 Posted November 21, 2017 Author #51 Share Posted November 21, 2017 Great news - glad we could help with an alternate option for youGet in quick and apply for the Pre existing conditions cover before you buy the tour - just to be on the safe side Yes I plan to do that. If declined then I will just buy a Insure & Go policy for DH for this trip and worry about what to do going forward for the next trips. Thanks everyone Link to comment Share on other sites More sharing options...
cruisine21 Posted November 21, 2017 #52 Share Posted November 21, 2017 (edited) Just got a SMS from ANZ the CC has been approved whoo hoo!! Welcome kit & pin to arrive in 3-5 days. That was quicker than they told me. Very happy. Now hopefully it will give me time to request PE and purchase a tour to activate cover for us. All being well.......stay tuned Fantastic news. Were you able to get a copy of the PDS? The branch could only give me a copy of the paid ANZ travel insurance insurance book. I’m not sure if it is the same. Edit The bank ended up emailing me a copy but I’d prefer a hard copy. 84 pages is a bit too much to print. Sent from my iPad using Tapatalk Edited November 21, 2017 by cruisine21 Link to comment Share on other sites More sharing options...
Rare MicCanberra Posted November 21, 2017 #53 Share Posted November 21, 2017 Just got a SMS from ANZ the CC has been approved whoo hoo!! Welcome kit & pin to arrive in 3-5 days. That was quicker than they told me. Very happy. Now hopefully it will give me time to request PE and purchase a tour to activate cover for us. All being well.......stay tuned Good job.:D Link to comment Share on other sites More sharing options...
wombat13 Posted November 21, 2017 Author #54 Share Posted November 21, 2017 Fantastic news. Were you able to get a copy of the PDS?The branch could only give me a copy of the paid ANZ travel insurance insurance book. I’m not sure if it is the same. Edit The bank ended up emailing me a copy but I’d prefer a hard copy. 84 pages is a bit too much to print. Sent from my iPad using Tapatalk Thanks, No only a electronic copy. Not sure the branch has one but will go back and check. Link to comment Share on other sites More sharing options...
wombat13 Posted November 21, 2017 Author #55 Share Posted November 21, 2017 Good job.:D Thanks Mic so far so good Link to comment Share on other sites More sharing options...
Bodogbodog Posted November 21, 2017 #56 Share Posted November 21, 2017 Thanks, No only a electronic copy. Not sure the branch has one but will go back and check. I'm pretty sure they include a printed brochure with the Insurances PDS in the welcome pack (not 100% sure though) Link to comment Share on other sites More sharing options...
DianeandMark Posted November 21, 2017 #57 Share Posted November 21, 2017 We have had the same problem with Westpac’s new underwriter. What stinks is I then rang Allianz and they will cover my husbands pre existing but we have to pay full price. We’re also going to look at alternatives. Sent from my iPad using Forums Link to comment Share on other sites More sharing options...
wombat13 Posted November 21, 2017 Author #58 Share Posted November 21, 2017 We have had the same problem with Westpac’s new underwriter. What stinks is I then rang Allianz and they will cover my husbands pre existing but we have to pay full price.We’re also going to look at alternatives. Sent from my iPad using Forums ANZ & NAB are still using QBE as their underwriters. Looks like Westpac may be losing some customers. Lets hope no changes to ANZ & NAB. Link to comment Share on other sites More sharing options...
Rare MicCanberra Posted November 21, 2017 #59 Share Posted November 21, 2017 ANZ & NAB are still using QBE as their underwriters. Looks like Westpac may be losing some customers. Lets hope no changes to ANZ & NAB. I hope they don't change like Westpac did, but if there is a profit in it you know they will. Link to comment Share on other sites More sharing options...
Bodogbodog Posted November 21, 2017 #60 Share Posted November 21, 2017 I hope they don't change like Westpac did, but if there is a profit in it you know they will. Yes, possibly but I hope not - sadly us "od crocs" with pre existing conditions aren't going to be a major group of customers for them to worry about keeping happy It is interesting how Allianz seems to be pushing those who apply for pre existing condition cover to their full policies - no doubt with premiums loaded up to cover the additional risk of pre existing conditions Link to comment Share on other sites More sharing options...
stki Posted November 21, 2017 #61 Share Posted November 21, 2017 Fantastic news. Were you able to get a copy of the PDS?The branch could only give me a copy of the paid ANZ travel insurance insurance book. I’m not sure if it is the same. Edit The bank ended up emailing me a copy but I’d prefer a hard copy. 84 pages is a bit too much to print. Sent from my iPad using Tapatalk No it is not the same. Branches no longer have the PDS booklet. Have to get email copy and print it if you want hard copy.. I know this as I work in an ANZ branch Cheers Tanya Link to comment Share on other sites More sharing options...
stki Posted November 21, 2017 #62 Share Posted November 21, 2017 Just got a SMS from ANZ the CC has been approved whoo hoo!! Welcome kit & pin to arrive in 3-5 days. That was quicker than they told me. Very happy. Now hopefully it will give me time to request PE and purchase a tour to activate cover for us. All being well.......stay tuned You need to activate the Insurance by spending $250.00 on the card. This needs to appear on your statement before you leave the country.. You will need to take a copy of your credit card statement with you showing this, in case you need to claim. They also want to know that the credit card account is still opened, so make sure you register for Internet banking so you can print out statement if needed while you are away. I also call QBE to get a letter of eligibility emailed to me Tanya Link to comment Share on other sites More sharing options...
wombat13 Posted November 21, 2017 Author #63 Share Posted November 21, 2017 Thanks Tanya. It's going to be a bit rushed unable to do anything until cards arrive hopefully Friday but probably next Monday. Had to do similar things for St George card also. Sent from my Nexus 7 using Forums mobile app Link to comment Share on other sites More sharing options...
cruisine21 Posted November 21, 2017 #64 Share Posted November 21, 2017 No it is not the same. Branches no longer have the PDS booklet. Have to get email copy and print it if you want hard copy.. I know this as I work in an ANZ branch Cheers Tanya Thanks. They have emailed me a copy. I think my printer would run out of ink if I printed 87 pages. Sent from my iPad using Tapatalk Link to comment Share on other sites More sharing options...
Rare MicCanberra Posted November 21, 2017 #65 Share Posted November 21, 2017 Yes, possibly but I hope not - sadly us "od crocs" with pre existing conditions aren't going to be a major group of customers for them to worry about keeping happy It is interesting how Allianz seems to be pushing those who apply for pre existing condition cover to their full policies - no doubt with premiums loaded up to cover the additional risk of pre existing conditions Well they are a business that likes breaking the previous year's record profit.:( Link to comment Share on other sites More sharing options...
The_Big_M Posted November 21, 2017 #66 Share Posted November 21, 2017 It is interesting how Allianz seems to be pushing those who apply for pre existing condition cover to their full policies - no doubt with premiums loaded up to cover the additional risk of pre existing conditions That's risk assessment - and each insurer makes their own assessment about what they'll cover and the cost of it. It's the same principle with a bookmaker. Same race, same horse, but different bookmakers make a similar call on risk and hence give different odds. Since nobody can predict the future it'd be a bit odd if everyone's call was the same! Link to comment Share on other sites More sharing options...
Rare MicCanberra Posted November 21, 2017 #67 Share Posted November 21, 2017 It is profit before customers when it comes to banks. Link to comment Share on other sites More sharing options...
The_Big_M Posted November 22, 2017 #68 Share Posted November 22, 2017 Maybe, maybe not, but there are good reasons that insurance options vary, since nobody knows the future. And just like people, they don't want to run at a loss, so want to price high enough to cover that cost - but then price too high and customers will go elsewhere. So each try to find a balance that gets customers while not making a loss. Link to comment Share on other sites More sharing options...
NSWP Posted November 22, 2017 #69 Share Posted November 22, 2017 No it is not the same. Branches no longer have the PDS booklet. Have to get email copy and print it if you want hard copy.. I know this as I work in an ANZ branch Cheers Tanya If the local ANZ Branches don't stock the book, which is called 'Premium Cards - Insurances.' - Insurance Policy Information.' (Mine is dated 29 June 2016) then perhaps ring ANZ head office. I also apply for a 'letter of eligibility.' As Tanya - stki mentioned in her post. Link to comment Share on other sites More sharing options...
cruisine21 Posted November 22, 2017 #70 Share Posted November 22, 2017 There are a couple of posts on social media today from people who have been denied coverage for pre existing conditions from QBE paid travel insurance. Sent from my iPad using Tapatalk Link to comment Share on other sites More sharing options...
wombat13 Posted November 22, 2017 Author #71 Share Posted November 22, 2017 So not through CC? I did a quote direct to QBE and DH was accepted. This was before I applied for ANZ CC. In fact all the direct quotes were accepted. Just not CC with Allianz. Sent from my Nexus 7 using Forums mobile app Link to comment Share on other sites More sharing options...
Rare MicCanberra Posted November 22, 2017 #72 Share Posted November 22, 2017 So not through CC? I did a quote direct to QBE and DH was accepted. This was before I applied for ANZ CC. In fact all the direct quotes were accepted. Just not CC with Allianz. Sent from my Nexus 7 using Forums mobile app Glad you had it sorted first. Link to comment Share on other sites More sharing options...
wombat13 Posted November 22, 2017 Author #73 Share Posted November 22, 2017 Glad you had it sorted first. Not yet. My post was referring to Cruisine21 post about QBE. Until I get the cards from ANZ I can't do the PE. I was just saying that I had no problem with any of the Ins co. if I went direct. Hopefully get the cards on Monday. Link to comment Share on other sites More sharing options...
rkmw Posted November 22, 2017 #74 Share Posted November 22, 2017 Not yet. My post was referring to Cruisine21 post about QBE. Until I get the cards from ANZ I can't do the PE. I was just saying that I had no problem with any of the Ins co. if I went direct.Hopefully get the cards on Monday. if you get the CC from ANZ what do they charge per year for the card Link to comment Share on other sites More sharing options...
wombat13 Posted November 22, 2017 Author #75 Share Posted November 22, 2017 $87 for ANZ Platinum CC $0 for 1st year or ANZ low rate Platinum $99 deal atm is $260 cash back if spend $500 in 60 days on eligible purchases Sent from my Nexus 7 using Forums mobile app Link to comment Share on other sites More sharing options...
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