BOQ credit card complimentary travel insurance
Got a BOQ credit card with complimentary insurance? Here's when you'll get cover for overseas travel and how to make a claim
The BOQ Platinum Credit Card offers complimentary international travel insurance when you go overseas for up to 6 months in a row. This insurance is provided by Allianz Australia Insurance, which also provides other types of insurance on different BOQ credit cards.
Like any insurance policy, there are terms and conditions you need to meet to get the cover and have your claims approved. The insurance policy booklet has the complete details, so it's always good to keep that handy. But if you just want a quick look at what cover you'll get – including what's available in a pandemic – we've got the key details here.
Have a question or need to make a claim right now? Call Allianz Insurance on 1800 072 791 (from Australia) or +617 3305 7499 (from overseas).
Which BOQ credit cards have complimentary travel insurance?
BOQ offers complimentary travel insurance to people with platinum credit cards as well as different types of insurance on other cards. Here are the key details for BOQ cards currently on the market.
| Card | International travel insurance | Domestic travel insurance | Purchase protection insurance | Extended warranty insurance |
|---|---|---|---|---|
| BOQ Platinum Credit Card | ||||
| BOQ Blue Visa Credit Card | ||||
| BOQ Low Rate Visa Credit Card |
Have a BOQ credit card that's not on this list? Check the terms and conditions available on the BOQ website to see if your card is eligible.
What's covered by BOQ complimentary international travel insurance?
BOQ credit card travel insurance can give you cover if you need to go to hospital overseas, miss flights because of delays, have your luggage stolen and for other situations that can leave you out of pocket.
The actual cover is broken down into "benefits" based on what you can and can't claim. Some claims also have an excess you need to pay before you'll get any money back (if your claim is approved).
Does BOQ complimentary credit card travel insurance cover pandemics?
No. Like many travel insurance policies, BOQ complimentary travel insurance does not offer cover for epidemics or pandemics.
In the BOQ credit card insurance policy booklet, pandemics and epidemics are part of the list of general exclusions that are not covered for "any loss, damage or expense caused by, arising directly or indirectly from or in any way related to" (page 32). If you want to get cover for coronavirus or other related issues, Finder has a whole guide on travel insurance options for COVID-19.
Here, we've broken down the key options for different types of claims and situations. But remember: you should always read the insurance policy booklet for complete details of the cover.
Medical, dental and emergencies cover with a BOQ credit card
| Benefit | One example of when you'd use this | Claim limit | Excess payment (per claim) |
|---|---|---|---|
| Overseas emergency assistance | If you get food poisoning overseas and need help organising a medical appointment or need to be evacuated because of a covered medical issue. | Unlimited | $0 |
| Overseas emergency medical (except dental) | If you become sick or injured overseas and have to pay for seeing a doctor or other medical professional. | Unlimited | $400 |
| Overseas emergency dental expenses due to sudden, acute pain in a natural tooth (toothache) Note: This is a sublimit of "Overseas emergency medical" in the BOQ complimentary insurance policy booklet. | If you're overseas and have to see a dentist because of a toothache that's not related to anything else. | Up to $2,000 per person | $400 |
| Hospital cash allowance | If you're in hospital for a continuous period of more than 48 hours because of a relevant health issue, this allowance helps cover some of the extra costs. | $100 per day, up to a total of $15,000 for a cardholder travelling with their spouse and/or dependants. | $0 |
| Loss of income | If you're injured overseas, get treatment, return to Australia and then experience disability for at least 30 days in a row and lose all your income because of it. | Your verified income per week, up to a maximum total limit of $13,000 each per cardholder and eligible spouse. Note: No cover is available for dependants. | $0 |
| Additional expenses | If you or a companion is injured to the point of incapacity, you could claim for extra accommodation or travel costs. | Unlimited, except for the following: Resumption of journey: | $400 |
BOQ complimentary international travel insurance for cancellation, delays, accommodation and transport
| Benefit | One example of when you'd use this | Claim limit for people up to 80 years of age | Excess payment (per claim) |
|---|---|---|---|
| Cancellation (specific situations only) | If your journey is cancelled, disrupted or rescheduled because of circumstances that were not expected or intended by you and are outside of your control. This includes financial reimbursement as well as cover for frequent flyer points, air miles, loyalty card rewards and relevant vouchers used to book the trip if they can't be recovered in any other way. | Up to a maximum total limit of $50,000 for a cardholder travelling with their spouse and/or dependants. | $400 |
| Travel delay | If a flight was delayed by 6 hours or more and the airline didn't offer compensation, you could claim food, accommodation or other eligible expenses. Note: Excludes delays due to acts of terrorism or financial insolvency. | Up to $500 per person for meals and accomodation expenses, with a maximum claim amount of $2,000 for a cardholder travelling with their spouse and/or dependants. | $0 |
| Alternative transport | If your transport is delayed or cancelled and it means you wouldn't make it to a conference, wedding or major event, this helps cover the cost of reasonable travel expenses to get you there. Note: Excludes delays due to acts of terrorism or financial insolvency. | Up to $3,250 for a cardholder travelling with their spouse and/or dependants. | $400 |
| 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. Or, if an event covered by the insurance stops you returning the vehicle, you could make a claim. | Up to a maximum of $5,000 for a cardholder travelling with their spouse and/or dependants. | $400 |
Luggage and personal items cover offered with BOQ credit card complimentary insurance
Note: Valuables left in a vehicle or in checked luggage won't be covered.
| Benefit | One example of when you'd use this | Claim limit | Excess payment (per claim) |
|---|---|---|---|
| Luggage | If you're travelling and your bag is stolen while you're carrying it with you. | Up to a maximum total limit of $15,000 for a cardholder when travelling with a spouse and/or dependants, with the following sub-limits:
| $400 |
| Travel documents, transaction cards and traveller's cheques | Your passport is lost, stolen or destroyed and you have reported it to the local police within 24 hours, you could claim the fees for reissuing or replacing it. | Up to a maximum total of $5,000 for a cardholder travelling with their spouse and/or dependants. | $0 |
| Luggage delay | If your luggage is delayed for more than 10 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 $500 after a delay of 10 consecutive hours, and an additional $1,000 after a delay of 72 consecutive hours, up to a maximum total limit of $1,500 for a cardholder travelling with their spouse and/or dependants. | $0 |
Personal liability cover offered with BOQ complimentary credit card travel insurance
| Benefit | One example of when you'd use this | Claim limit | Excess payment (per claim) |
|---|---|---|---|
| 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 $1,000,000 per event | $0 |
BOQ credit card complimentary international travel insurance for death and funerals
| Benefit | One example of when you'd use this | Claim limit for people up to 80 years of age | Excess payment (per claim) |
|---|---|---|---|
| Accidental death | If you are injured overseas and die because of that injury within 12 months of when it happened. Or if you're travelling on a plane, ship or other covered vehicle and it crashes or disappears and you're declared dead within 12 months. | $50,000 per cardholder $50,000 per spouse $25,000 per dependant Up to a maximum total limit of $150,000 | $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. | Up to $60,000 | $0 |
What's not covered?
Every insurance policy has details of when you will and won't get cover. These details can be very specific, which is why it is important to always check your insurance policy documents.
To give you an idea, here are some of the key things you won't be covered for with BOQ credit card complimentary international travel insurance:
- Pandemics and epidemics
- Acts of terrorism
- If you don't follow advice from any government, official body or mass media announcements
- Issues related to drinking alcohol or taking non-prescription drugs
- Travel that's for the purpose of medical treatment
- If you're a crew member or pilot of any of the transport
- Deliberate illegal or criminal activity
- Dangerous activities including rock climbing (with equipment), white water rafting, bungy jumping, off-piste snowboarding or skiing and quad or motorbike riding on a vehicle that has an engine capacity of 200cc or more
If you need cover for a skiing trip, bungy jumping or other overseas adventures, check out adventure sport travel insurance costs and conditions. Got a pre-existing health condition? Check out travel insurance policies that offer cover for conditions including asthma, high blood pressure and physical disabilities.
What do I need to do to use BOQ's credit card international travel insurance?
If you're planning a trip and want cover through your BOQ credit card, you'll need to meet the following requirements:
- Travel bookings. Before leaving Australia, you need to book your return overseas travel ticket using one or more of the following methods:
- Spend at least $500 on prepaid travel costs with your BOQ Platinum Credit Card
- Redeem your BOQ Q Rewards points
- Book through the Take Flight program
- Cardholder status. You must be a BOQ cardholder at the time you book your overseas trip.
Keep in mind that countries and regions around the world all have their own restrictions and guidelines around the coronavirus pandemic. These guidelines could affect your travel plans, so it's worth checking where you can travel before you book anything.
Does BOQ credit card travel insurance cover family members?
Yes, if you meet the eligibility requirements for cover on an upcoming trip, your spouse and dependants (i.e. children) can get cover under this policy when they're travelling with you and meet the following requirements:
- They reside in Australia or are holders of a visa issued under the Migration Act 1958 (Cth) which entitles them to residency
- They are travelling with you for at least 50% of the period of cover
- They have a return overseas travel ticket before leaving Australia; and.
- They are under 81 years of age at the time they became eligible for the cover
If you have dependants that are under 2 years of age, they will be covered under your complimentary insurance when you have met the eligibility requirements.
When you're travelling with your spouse and dependants, keep in mind that they also need to meet all the other conditions of the insurance policy.
Pre-existing medical conditions
BOQ's complimentary credit card international travel insurance only covers a few pre-existing medical conditions, with very specific circumstances.
Here, we've summarised the key details for conditions that are covered. If you have any pre-existing condition, you should also look at the insurance document for full details or call Allianz on 1800 072 791.
| 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 asthma or any other known respiratory condition. |
| Asthma | If you have not needed treatment for it 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 an HbA1C score of 9% or less. You must also 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 or 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. |
| Single pregnancy up to and including 26 weeks | If the conception was not medically assisted and there are no complications relating to the pregnancy. |
🔥 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 (e.g. "Pre-existing medical conditions").
What if I don't meet the requirements or have a different pre-existing condition?
You won't get cover if you don't meet the requirements for a pre-existing medical condition or if you have another pre-existing medical condition.
This means you won't be able to make a related claim if you've previously seen a doctor or other qualified professional about a condition that ends up causing issues overseas. It's the same for any physical, medical, mental or dental condition that you're aware of before you travel.
If you're not sure whether your pre-existing medical condition will be covered, call Allianz on 1800 072 791 to check if you can get cover. You can also apply to get written confirmation from Allianz that a pre-existing medical condition is covered, although be aware that additional fees may apply.
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.
How to make a claim through your BOQ credit card complimentary international travel insurance policy
If you think you will need to make a claim, contact Allianz Global Assistance as soon as possible so that they can give you specific information.
You can do this by calling 1800 072 791 in Australia or +61 7 3305 7499 from overseas (a reverse charge number). You can also email cardclaims@allianz-assistance.com.au, but you may have to wait longer for a response.
There are 2 main ways you can submit your claim:
| Online | Over the phone |
|---|---|
| 1. Go to https://claimmanager.com.au/aga/agreement 2. Confirm you have read the agreement and click on "Create a new claim". 3. Fill in the details on the claim form and upload your supporting documents. 4. Use the "Save" button if you need to come back to the claim later. | 1. Call Allianz on +61 7 3305 7499 (overseas) or 1800 072 791 (Australia). 2. Tell them what's happened and the type of claim or claims you want to make. 3. Follow their instructions to complete the claim. |
You'll hear back about your claim within 10 business days, according to the online claims website.
What to include in your claim
With insurance claims, it's always good to include as much detail and supporting documentation as possible. It makes it easier for the insurer to look at the claim and your eligibility for a payout.
So when you're travelling overseas with this cover, try to get as much written or photo evidence as you can for any claim you need to make. This could include the following:
- A referral or letter from a doctor or other professional you see in relation to a claim
- Official medical reports
- Police reports
- Photos of damaged items
- Emails or letters from airlines that relate to a claim
- Receipts or other proof of purchase
When you fill in the online claim form, you'll also be asked for some key personal details, including part of your BOQ credit card number (to confirm you're eligible for cover).
Tip: Use a travel wallet or online folder to keep all your important documents together. This could include your passport, itinerary, printed tickets and a copy of the BOQ card insurance policy booklet – plus anything that could become supporting documentation for future claims.
Domestic travel insurance
- What is it? Cover for specific issues that come up when you're travelling to a different state or territory in Australia and your trip is up to 14 days long (but not any longer). This cover can include costs relating to cancelled return flights, flight delays of 4 hours or more, delayed or lost luggage, and additional travel and accomodation expenses.
- When can I use it? If you have paid for the entire trip with your eligible BOQ credit card before you leave. If your partner or dependants are travelling with you, they'll also get cover if they're travelling with you for at least 50% of the trip.
- Is there an excess cost? Yes, $100 for cancellation, additional expenses and luggage.
Call Allianz on 1800 072 791 in Australia or +61 7 3305 7499 from overseas. You can also download a claim form from https://travel.agaassistance.com.au/boq/travel-insurance.
BOQ credit card complimentary insurance for shopping
BOQ credit cards give you access to other types of insurance, also provided by Allianz. Below is a snapshot of the different types.
Purchase protection insurance
- What is it? Cover for the cost of a new item that is stolen, accidentally damaged or lost. You'll get cover for most household and personal items such as laptops, shoes, jewellery and glasses. Exclusions include second-hand items, perishables, cash, computer software and items left in a vehicle or checked-in and stored in the cargo hold of a plane or other transport vehicle. And if your item is worth more than $10,000, this insurance won't cover it.
- When can I use it? If you use your eligible BOQ credit card to pay for covered items, this insurance will apply for the first 90 days from when you get them. This cover is available for personal items bought anywhere in the world. If the item was a gift for someone else, that person needs to be a permanent Australian resident for the cover to apply.
- How can I make a claim? You need to provide proof of ownership and the value of your belongings, including receips and/or valuations. You should report the loss, theft or damage to the local police or relevant authorities (such as the office of a transport company) within 24 hours of an issue. You also need to show proof of the report, such as written confirmation from the authorities involved. Then, call Allianz on 1800 072 791 or submit your claim through the Allianz online claim portal.
- Is there an excess cost? No, but keep in mind that there are maximum claim amounts for different items.
Extended warranty insurance
- What is it? Cover that doubles the manufacturer's warranty for items bought in Australia, up to a maximum period of 12 months. For example, if you bought a laptop with a 12-month manufacturer's warranty and it stopped working for no reason after 12 months, you could make a claim under this cover.
- When can I use it? If you used your eligible BOQ credit card to pay for an item, worth up to $10,000 per covered item up to a maximum total limit of $40,000 per card account in 12 months and it came with an Australian manufacturer's warranty of between 6 months and 5 years. You can make a claim if something happens after the original warranty period has ended.
- How can I make a claim? Call Allianz on 1800 072 791 or submit your claim through the Allianz online claim portal.
- Is there an excess cost? No excess applies under this cover.
Don't have complimentary insurance on your credit card yet? Compare BOQ credit cards or other cards that offer insurance.
More resources on Finder
More guides on Finder
-
BOQ Platinum Visa Credit Card
A platinum credit card offering 100,000 bonus points, a 0% balance transfer offer and complimentary insurance for travel and shopping.
-
BOQ Low Rate Visa Credit Card
This low rate credit card offers 0% interest balance transfers for the first 18 months. Check out its other features here.
-
BOQ Blue Visa Credit Card
Get a competitive annual fee and pay down debt with 0% purchase and balance transfer offers or reward your spending with Q Rewards points per $1 spent.
-
BOQ Q Rewards
Earn Q Rewards points per $1 spent with a Bank of Queensland credit card and redeem them for travel rewards, cashback, gift cards and more.
Ask a question
We are going on a cruise on the QE2 departing Sydney to Cairns and return to Sydney , all
Charges have been paid on my BOQ credit card , will we be covered? And if so
If their was a need for example and you had to be helicopter taken to land/hospital would that be included
Hello Pauline,
The PDS for BOQ’s complimentary card insurance defines overseas travel as being “outside of Australia and its territories, and includes when you are aboard a foreign registered cruise vessel in Australian territorial waters.” So it may be covered as an international trip even if you are still in Australian waters.
I suggest contacting the bank directly to be 100% sure.
Does my credit card insurance cover domestic cruises in Australia
Hi Michelle,
According to the PDS, BOQ travel insurance is valid overseas, which is defined as “outside of Australia and its territories and includes when you are aboard a foreign registered cruise vessel in Australian territorial waters”. If you wish you confirm that the exact type of cruise you’re going on is covered, you can contact Claims Assist on 1800 072 791.
Hope that helps!
I will be paying for an overseas tour using my Platinum Credit Card however the tour wont begin until September. What am I covered for in case for some unforeseen reason we have to cancel the trip.
Hi Peter,
According to the PDS, you are covered for: Up to a maximum total limit per cardholder or spouse of $50,000 (dependants are included in the limit available to the cardholder or spouse).
There are terms and conditions for rescheduling your journey.
Hope this helps!
Does BOQ specialist Platinum card cover a Covid infection acquired during travel overseas?I am fully up to date with all my Covid vaccinations.
Hi Betty.
I checked the PDS, and the following applies related to covid:
COVID-19
What is covered?
This Policy treats COVID-19 in the same way as any other Illness. This means where there is coverage for Illness related Events under the following sections, it applies to COVID-19:
1. Section A – Trip Cancellation and Amendment Cover;
2. Section B – Overseas Medical Emergency Expenses Cover, and
3. Section F – Resumption of Long Overseas Trip Cover.
What is not covered?
We will not pay any benefit, loss, or costs arising from or relating to:
1. border closures or government issued “Do Not Travel” warnings arising from COVID-19 (including where the border closure or travel warning occurs after You made Your Relevant Travel Purchase);
2. mandatory quarantine, except when You have a valid Trip Change or Curtailment claim under specified Event 1 of Section A – Trip Cancellation and Amendment Cover and incur reasonable additional travel or accommodation expenses resulting from the quarantine.
Hope this helps!
If my friend booked our flights which I have a copy of the Itinerary in my name, but I have then transferred her the payment, am I still eligible for the travel insurance?
Hi Marissa, To be eligible for insurance your credit card, you need to pay for your flights using your credit card. In this instance you would not be covered via your card’s insurance policy because your friend used a different payment method.