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Some Bank of Melbourne credit cards offer complimentary travel insurance as a money-saving perk for you and your family. Bank of Melbourne and Allianz provide this comprehensive international travel insurance for up to six months at no extra cost when you meet the eligibility requirements.
This policy includes coverage for expenses for medical, hospital and dental treatment while overseas. You also get compensation for stolen personal items, reimbursement if your plans change due to a delayed flight and Allianz even offer compensation for kidnap and ransom. This page gives you a comprehensive overview of Bank of Melbourne credit card complimentary travel insurance.
Bank of Melbourne has two levels of insurance offered on different credit cards. The Bank of Melbourne Amplify Signature and Vertigo Platinum cards are Level 1 cards and offer up to 6 months complimentary international travel insurance. The Amplify Platinum card is a Level 2 card and cardholders are eligible to receive up to 3 months insurance only
Compare Bank of Melbourne credit cards here
To get this complimentary travel insurance through Bank of Melbourne you must:
Your family is also included in the cover if they meet the requirements and are travelling with you for the whole trip.
Bank of Melbourne’s credit card complimentary travel insurance gives you comprehensive cover for medical and hospital expenses, loss and theft of personal items, travel delay, rental vehicle excess cover and more. Your spouse and dependent children are also covered under this policy if they also meet the eligibility requirements and are travelling with you for your entire journey.
Pre-existing medical conditions are not covered by this travel insurance policy. If you want cover for ongoing conditions, you can apply for cover by contacting Allianz directly on 1800 091 710.
You don’t need to tell Allianz about your travel plans to activate the insurance. Just make sure you meet the eligibility requirements and the cover automatically begins on the date of your departure as listed on the ticket. You are covered from the time you head to the airport until you return home or the cover elapses.
In Australia | Overseas |
---|---|
Call Allianz: 1800 091 710 within 30 days of arriving back in Australia. Monday to Friday, 8AM to 5PM (AEST). | Call Allianz: + 617 3305 7468. International call charges apply. |
Documentation requirements vary depending on the claim. You may be asked to provide proof that you’re eligible for the cover when you make a claim, so make sure you keep a copy of our credit card statement showing the charges to your eligible account.
The product disclosure statement has a detailed overview of the documents you will need to provide for your type of claim.
Bank of Melbourne have 2 tiers of insurance, Level 1 cards and Level 2 cards have different benefits. You can find an overview of these benefits and cover levels in the table below.
Benefit | Cover level (Up to) | Excess |
---|---|---|
Medical and hospital expenses | Level 1 and Level 2 cards Unlimited benefit for medical and hospital expenses | $250 |
Dental | Level 1 and Level 2 cards Emergency dental capped at $2,000 per person | $250 |
Loss and damage to personal belongings | Level 1 cards$20,000 per person$30,000 per family Level 2 cards $15,000 per person $20,000 per family | $0 |
Unexpected cancellation of travel plans | Level 1 cards $5,000 per person $10,000 per family Level 2 cards $3,750 per person $7,500 per family | $250 |
Continuing your trip after a relative passes away | Level 1 cards $5,750 per person $12,500 per family Level 2 cards $3,750 per person $7,500 per family | $250 |
Getting to a special event | Level 1 cards $3,750 Level 2 cards $3,250 | $250 |
Rental vehicle excess | Level 1 cards $5,500 Level 2 cards $5,000 | $250 |
Travel delay | $500 per person $1,100 per family | $250 |
Funeral expenses | Unlimited | $0 |
You die from an accident | Level 1 cards $50,000 per cardholder $25,000 per spouse / dependent(s) $150,000 per family Level 2 cards $25,000 per cardholder $25,000 per spouse / dependent $75,000 per family | $0 |
Personal legal liability | $2,500,000 | $0 |
You can’t work because you’re injured on holiday | Level 1 cards $1,000 per person per week capped at 12 weeks Level 2 cards $750 per person per week capped at 12 weeks | $0 |
So you can get you pets home if you’re delayed | $50 per 24 hours capped at $500 | $0 |
You’re hospitalised from an assault | $500 | $0 |
Hijack and detention | $250 per person per 24 hours capped at $20,000 per family | $0 |
Kidnapping and ransom | $100,000 | $0 |
Did you know? No cover is offered for children born during your trip.
This benefit covers you for medical and hospital expenses if you become sick or have an accident when you’re overseas. An emergency dental benefit is also included.
If you’re admitted as an out or inpatient, you’ll get a bed care allowance and reimbursement for the cost of flying out a relative or friend to escort you back to Australia if necessary. Level 1 Bank of Melbourne credit cards get medical and hospital cover for 6 months, Level 2 cards 3 months. Note that Allianz have the right to move you back to Australia for further treatment, and if you refuse you’re liable to pay your medical costs.
What isn’t covered?
If you’re covered by another policy then you’re not eligible to get a benefit from this insurance. Also, injury and sickness arising from the following isn’t covered:
This policy gives you cover for lost and stolen baggage, clothing and personal items, electrical equipment such as laptops and cameras and passports, credit cards and cash. There are the following limits on the level of cover you get if you leave your property unattended in a motor vehicle:
Level 1 cards | Level 2 cards |
---|---|
Up to $5,000 | Up to $2,500 |
These conditions mean you must take precautions to make sure your valuables and personal effects are safe. For example, don’t leave your bags or computers in a car on the street overnight in a foreign city. Taking steps to prevent loss and damage to your goods will make it easier to submit a claim if anything does go wrong during your trip.
Making a claim
If you want to claim for the loss of theft of your belongings, you will need to prove that you own the items you’re claiming. Allianz will ask you to produce a receipt or similar proof of purchase. If you can’t, the insurer will only pay 10% of the benefit listed.
Back to topBank of Melbourne and Allianz give you free comprehensive overseas insurance, with some exclusions for specific recreation adventure activities such as skiing or rock climbing. Compare a range of insurers to find a travel insurance policy to suit your holiday and travel plans. Or, if you would like specific information about this travel insurance policy, contact Allianz: 1800 091 710, 8AM - 8PM, Monday to Friday, AEST.
Images: Shutterstock
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