Bank of Melbourne offers complimentary travel insurance on its Amplify Platinum and Signature credit cards, with policies that cover international and domestic trips. Some Bank of Melbourne cards also offer complimentary insurance for eligible items you buy. These insurance policies are underwritten by Allianz Australia Insurance Limited (Allianz).
Just like any insurance, there are conditions you need to meet to get cover and make a claim. That's why it's best to read the Bank of Melbourne Credit Card Complimentary Insurance policy document (on the Bank of Melbourne website). But if you're after a quick look at what's covered, we have pulled out some of the key details about Bank of Melbourne's complimentary credit card insurance options.
Have a question or need to make a claim right now? Call Allianz Global Assistance on 1800 091 710 (Australia) or +61 7 3305 7468 (overseas).
If you don't have a Bank of Melbourne credit card yet, you can get complimentary travel insurance with a new Amplify Platinum or Signature credit card. The length of cover you get for international travel insurance depends on the card, as we've shown in the table.
| Card | International travel insurance for up to 6 months (Level 1 cards) | International travel insurance for up to 3 months (Level 2 cards) | Overseas transit accident insurance | Domestic interstate flight inconvenience insurance | Rental vehicle excess insurance | Purchase protection insurance | Extended warranty insurance |
|---|---|---|---|---|---|---|---|
| Bank of Melbourne Amplify Platinum | |||||||
| Bank of Melbourne Amplify Signature | |||||||
| Bank of Melbourne Amplify Platinum - Qantas | |||||||
| Bank of Melbourne Amplify Signature - Qantas |
With the international travel insurance cover, the key difference between Level 1 and Level 2 cards is the length of cover: You get up to 6 months with an Amplify Signature card (Level 1) and up to 3 months with an Amplify Platinum card (Level 2).
If you have a Bank of Melbourne business credit card, check the complimentary insurance details here.
Have a Bank of Melbourne credit card that's not on this list? Check the terms and conditions available on the Bank of Melbourne website to see if your card is eligible.
This is a comprehensive overseas insurance policy, with some cover for COVID-19 claims – including for emergency medical, evacuation and repatriation and cancellations. The cover you get is broken down into "benefits" based on what you can and can't claim. Some claims also have an excess charge that you'll need to pay before you can get any money back if your claim is approved.
To help you understand the cover that's available, we've put the key options for different types of claims into tables, with basic examples of when you might use the cover. But remember: You should always read the insurance policy booklet for complete details of the cover.
Before you book your trip, check whether you have a Bank of Melbourne Level 1 card, for example Amplify Signature, or a Level 2 card such as Amplify Platinum.
This will help you plan a trip that fits in the covered period of up to 6 months for Level 1 cards and up to 3 months for Level 2 cards. Full details are in the insurance policy booklet.
| Benefit | One example of when you'd use this | Claim limit for people under 81 years old | Excess payment (per claim) |
|---|---|---|---|
| Overseas emergency assistance | If you get food poisoning overseas and have to see a doctor or change your travel plans, this benefit can help you arrange it. | Unlimited | $0 |
| Overseas emergency medical | If you become sick or injured overseas and have to pay for seeing a doctor or other medical professional. | Unlimited | $300 |
| Evacuation and repatriation | If you become sick or injured overseas and need to be taken to a local hospital or one that's back in Australia. | Unlimited | $300 |
| Overseas emergency dental expenses for spontaneous toothache | If you're overseas and have to see a dentist because of a toothache that's not related to any other dental issues. | Up to $2,000 per person | $300 |
| Hospital cash allowance | If you're treated as an in-patient at an overseas hospital for more than 1 full day (24 hours) because of a covered health issue, this allowance helps with extra costs. | $100 per person per day, up to a maximum of $15,000 per person | $300 |
| Assault requiring hospital admission | If you're attacked and need to be treated as an in-patient at a hospital. Note that you need a written police report and written advice from the doctor or medical adviser that treated you to make a claim. | $500 per person | $0 |
| Loss of income | If you or your spouse is injured overseas, gets treatment and experiences disability for at least 30 days after you return to Australia, then have medical advice that means you can't return to work because of it. | Your verified income, up to $1,000 per person per week for a cardholder and spouse, limited to 12 consecutive weeks and a maximum of $12,000 for all claims combined. | $0 |
| Additional expenses | If you or a companion is injured to the point of incapacity, you could claim related accommodation or travel costs. | Unlimited | $300 |
| Benefit | One example of when you'd use this | Claim limit for people under 81 years old | Excess payment (per claim) |
|---|---|---|---|
| Cancellation (specific situations only) | If your journey is cancelled, disrupted or rescheduled because of your death or the unforeseen death of a partner, parent, sibling, child or other specified relative that lives overseas. | Unlimited (within reason), except for:
| $300 |
| Travel delay | If your flight was delayed by 6 hours or more and the airline didn't offer compensation, you could claim food, accommodation or other eligible expenses. | Up to $500 per person for meals and accommodation, with a maximum total of $1,100 when travelling with a spouse and/or dependants | $300 |
| Alternative transport expenses Note: Acts of terrorism and the financial collapse of the transport company are not covered. | If your transport is unexpectedly delayed or cancelled and it means you wouldn't make it to a wedding, concert, sporting event or conference that you booked before you left Australia, this helps cover the cost of reasonable travel expenses to get you there. | Up to $3,750 | $300 |
| Domestic pets (additional boarding costs in Australia) | If your return home is delayed for a covered reason and it means you have to pay extra boarding fees for your cat or dog that lives in Australia, you could make a claim under this benefit. | Up to $50 per 24-hour period ($500 max) | $0 |
| Return home and resumption of journey following the death of a relative | If a relative in Australia dies unexpectedly when you're travelling, you could submit a claim for the costs involved in returning to Australia early. If you have 14 days or 25% of your trip left and you want to return to it, you could also make a claim. | Up to $5,750 per person, with a maximum total of $12,500 when travelling with a spouse and/or dependants | $300 |
| Rental vehicle excess | If your overseas rental car is stolen or involved in an accident and the hire company agreement includes an excess that you need to pay, this cover can help with the cost. | Up to $5,500 | $300 |
| Benefit | One example of when you'd use this | Claim limit for people under 81 years old | Excess payment (per claim) |
|---|---|---|---|
| Luggage Note: Different sub-limits apply depending on the items and where your luggage is held. | If you're travelling and your phone is stolen from your pocket or a handbag you have on you. | Up to $20,000 per person, with a maximum of $30,000 when travelling with family. There are the following sub-limits:
| $300 |
| Travel documents, transaction cards and traveller's cheques | If your passport is lost or stolen and you have reported it to the local police within 24 hours, you could claim the fees for reissuing it. | Up to $550 per person, with a maximum of $1,250 when travelling with a spouse and/or dependants | $0 |
| Luggage delay | If your luggage is delayed for more than 12 hours and the airline (or carrier) is at fault, you can get reimbursed for essential items you need to buy during that time. | Up to $800 with a maximum of $1,600 when travelling with a spouse or dependants | $0 |
| Benefit | One example of when you'd use this | Claim limit for people under 81 years old | Excess payment (per claim) |
|---|---|---|---|
| Hijack Note: This cover does not apply for hijacking that is classed as an act of terrorism | If your flight or cruise was hijacked for more than 12 hours, this cover would apply for each day you are held captive (up to the limit listed). | Up to $250 per person per 12 hours, with a maximum total of $20,000 | $0 |
| Kidnap and ransom Note: This cover does not apply for kidnapping in Mexico or any country or waters located in Central America or South America (south of the US), the Philippines or Somalia. | If you're kidnapped while travelling and need to pay a ransom. | Up to $100,000 | $0 |
| Personal liability | If you're involved in an accident and become legally liable to pay compensation for someone else's injuries or damaged property (when the person doesn't live with you), this helps cover the legal costs. | Up to $2.5 million | $0 |
| Benefit | One example of when you'd use this | Claim limit for people under 81 years old | Excess payment (per claim) |
|---|---|---|---|
| Accidental death | If you are injured overseas and die within 12 months because of that injury. Or if the plane or boat you're travelling on disappears and you're declared dead within 12 months. | Up to $150,000 with the following sub-limits:
| $0 |
| Funeral expenses | If you die overseas and there is a funeral or your remains need to be brought back to Australia. Note that only some causes of death are covered. | Unlimited (within reason) | $0 |
From 30 June 2022, Bank of Melbourne complimentary international travel insurance includes details of when you can make claims related to COVID-19 and other known pandemics and epidemics. This includes for:
To make a claim, you need to be positively diagnosed with COVID-19 (or another pandemic/epidemic disease) and meet all the other requirements for a claim. If a travel companion is positively diagnosed, only cancellation or additional expenses cover is available. No cover applies if you're travelling against government advice or if there are mass media publications with advice or warnings against travel.
As there are specific conditions to meet for this type of cover, make sure you read the amended policy booklet or call Allianz on 1800 091 790 before you travel.
The Bank of Melbourne Credit Card Insurance Policy booklet has very specific details of when you will and won't get cover. This is the case with any insurance, which is why it is important to always check these documents.
To give you an idea, here are some of the key things you won't be covered for with Bank of Melbourne credit card complimentary international travel insurance:
Keep in mind that countries and regions around the world currently have different restrictions and guidelines around the coronavirus pandemic.
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To get international travel insurance cover through your Bank of Melbourne Amplify Platinum or Signature credit card, you'll need to meet the following requirements:
Yes, if you meet the eligibility requirements for cover on an upcoming trip, your spouse and dependants (children) can get cover under this policy when they're travelling with you for at least half of your trip and meet the following requirements:
They also need to meet the same requirements and other conditions of the insurance policy.
With any travel insurance policy, if you've recently had treatment for a health condition or have one that you manage on an ongoing basis, it could be considered as a pre-existing medical condition and may affect the cover.
Bank of Melbourne complimentary international travel insurance covers a few pre-existing medical conditions, with very specific requirements. Here, we've summarised the key details for conditions that are covered.
| Pre-existing medical condition | Conditions for cover |
|---|---|
| Acne | If you have not needed treatment by a medical adviser in the last 3 months. |
| Allergies | If you have not needed treatment by a medical adviser in the last 9 months and you don't have any known respiratory conditions, such as asthma. |
| Asthma | If you have not had an asthma attack (exacerbation) that needed treatment from a medical adviser in the past 12 months. |
| Cataracts and glaucoma | If you have no ongoing complications, have not had an operation for it in the last 2 months and are not on a waiting list for an operation. |
| Coeliac disease | If your condition has not required treatment by a medical adviser in the last 6 months. |
| Diabetes/glucose intolerance | If you were diagnosed more than 12 months ago and have not had any complications in the last 12 months. You also need to have a blood sugar level reading between 4 and 12 or a HbA1C score of 9% or less. You must not currently be undergoing treatment for kidney, eye or nerve complications. |
| Ear grommets | If you have no current infection. |
| Epilepsy | If there are no underlying medical conditions (e.g. previous head trauma, stroke) and you have not had a seizure that required treatment from a doctor or other medical adviser in the last 2 years. |
| Gastric reflux | If it does not relate to a gastric ulcer or other underlying diagnosis. |
| Gout | If it has remained stable for at least 9 months. |
| Hiatus hernia | If no surgery is planned. |
| Hip or knee replacement | If your surgery was performed more than 9 months ago and was within the last 10 years. |
| Hypertension (high blood pressure) | If you have no known heart conditions and your current blood pressure reading is lower than 165/95. |
| Pregnancy up to 26 weeks (including IVF) Note: The insurance policy document has different details for people who are pregnant before they get cover and who become pregnant after they get cover (including IVF). You'll be eligible either way (up to 26 weeks), but make sure you read the relevant details. | If there are no existing complications related to the pregnancy. |
If you have any pre-existing medical condition, you should look at the insurance document for full details or call Allianz on 1800 091 710 to find out how and when it could affect your cover.
🔥 Hot tip: The easiest way to find details in the insurance policy booklet is to open your digital copy and use the find tool (Ctrl+F or Cmd+F) to search for the terms, for example "Pre-existing medical conditions".
If you're not sure whether your pre-existing medical condition will be covered, call Allianz on 1800 091 710 to check if you can get cover.
You can then apply to have an assessment of the condition over the phone or online at checkyoucover.com.au.
If your pre-existing medical condition is approved for cover, you'll need to pay a fee of $75 for assessments made over the phone and $45 for online assessments. You'll then get written confirmation from Allianz that your condition is covered.
But if you have pre-existing conditions that aren't covered, you won't be able to make any claims related to that condition (or issues caused by it).
Need cover for a pre-existing health condition? Check out travel insurance policies that offer cover for conditions including high blood pressure, high cholesterol and physical disabilities.
As soon as you think you'll need to make a claim, contact Allianz Global Assistance so that they can give you specific information about it.
You can do this overseas by calling the emergency assistance number on +61 7 3305 7468, or in Australia by calling 1800 091 710. You can also email cardclaims@allianz-assistance.com.au but may have to wait longer for a response.
There are 2 main ways you can submit your claim:
| Online | Over the phone |
|---|---|
|
|
You will hear back about your claim within 10 business days.
When you fill in the online claim form, you'll also be asked for some key personal details, including part of your Bank of Melbourne credit card number (to confirm you're eligible for cover).
You should also include as much detail and supporting documentation as possible. This makes it easier for the insurer to look at the claim and your eligibility for a payout.
The supporting documentation can be both written and photo evidence, including:
Some types of claims also require specific documentation. For example, if you were claiming for assault requiring hospitalisation, you would need to include a police report.
You can check what's required in the insurance policy document or call Allianz on +61 7 3305 7468 (overseas) or 1800 091 710 (in Australia).
Use a travel wallet or online folder to keep all your important documents together. This could include your passport, itinerary, printed tickets, a copy of the Bank of Melbourne card insurance policy booklet – plus anything that could become supporting documentation for future claims.
Call Allianz on 1800 091 710. You can also get a claim form online at https://travel.agaassistance.com.au/nacb2c/bank-of-melbourne/make-a-claim and email it to cardclaims@allianz-assistance.com.au.
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Yes, you can get some cover for claims relating to COVID-19, including overseas emergency medical, evacuation and repatriation and cancellation when you've been positively diagnosed with COVID-19 and meet the requirements.
As of 30 June 2022, the Bank of Melbourne Credit Cards Complimentary Insurance policy booklet includes specific details about claims related COVID-19 and other pandemics or epidemics. It's important to read it or call Allianz on 1800 091 710 for full details.
Yes. If you're going on a cruise or tour that requires proof of insurance, you can get a letter of eligibility online at https://travel.agaassistance.com.au/nacb2c/bank-of-melbourne/travel-insurance.
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