Hi Chris.  Thanks for the response.   I have now discovered that Citibank cards use Zurich for their travel insurance.  There is no requirement to hold a return ticket to Australia and, in addition, there are no age limits. Bye Bye ANZ. Reference the 'end date", there is a defined...

BEWARE THE CONDITIONS WITH ANZ/QBE CARD INSURANCE  I have Black Cards with ANZ where travel insurance is covered by QBE.  We paid $14,000 for a cruise and more for Premium Economy seats to HKG with Cathay.  Both had to be paid months ahead to secure a place.  We were leaving ...