An elated family standing on a plane staircase

Bank of Melbourne credit card complimentary travel insurance – Full guide

Information verified correct on December 5th, 2016

What you need to know about Bank of Melbourne credit card travel insurance.

Some Bank of Melbourne credit cards offer complimentary travel insurance as a money-saving perk for you and your family. Bank of Melbourne and QBE 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 QBE even offer compensation for kidnap and ransom. This page gives you a comprehensive overview of Bank of Melbourne credit card complimentary travel insurance.

Which cards offer 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

What are the eligibility requirements?

To get this complimentary travel insurance through Bank of Melbourne you must:

  • Be 80 years of age or younger
  • Spend at least $500 on prepaid travel expenses on your eligible Bank of Melbourne credit card. This includes hotel and hostel bookings, airfares, airport taxes, cruise bookings, guided tours, package tours and more
  • Hold a return overseas travel ticket

Your family is also included in the cover if they meet the requirements and are travelling with you for the whole trip.

How do I know if I’m covered and what I’m covered for?

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 QBE directly on 1800 091 710.

You don’t need to tell QBE 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.

How do I make a claim?

In AustraliaOverseas
Call QBE: 1800 091 710 within 30 days of arriving back in Australia. Monday to Friday, 8AM to 8PM (AEST).Call QBE: +61 3 8523 2800. International call charges apply.

What documents do I need?

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.

  • Claiming for stolen items: proof of eligibility for cover and a police report
  • Claiming for stolen goods: proof of eligibility for cover, a police report and proof of ownership of stolen item
  • Claiming for delayed travel or missed flights: proof of eligibility for cover, receipts for travel tickets or travel agent’s itinerary

The product disclosure statement has a detailed overview of the documents you will need to provide for your type of claim.

What insurances am I covered under?

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.

BenefitCover 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 belongingsLevel 1 cards$20,000 per person$30,000 per familyLevel 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 expensesUnlimited$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
A baby being cuddled inside a plane

Did you know? No cover is offered for children born during your trip.

Medical and hospital

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 QBE 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:

  • Pre-existing medical conditions
  • Dental treatment from ‘precious metals’, i.e. fillings
  • HIV, AIDS or ARC (AIDS Related Complex)
  • Sexually Transmitted Infections (STI)
  • Anything related to illicit drug use
  • Treatments lasting more than 12 months

Loss and theft of personal property

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 cardsLevel 2 cards
Up to $5,000Up 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. QBE 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.

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Other Bank of Melbourne credit card travel insurance benefits

  • Unexpected cancellation of travel arrangements. This insurance is for unexpected events, such as natural disasters, court summons or other emergencies. Compensation for travel agent’s cancellation fees is capped at the lesser of $500 or 15% of the total paid.
  • Resumption of our journey following the death of a relative. A relative dies and you have to attend the funeral, you’re paid a benefit to cover the cost of attending the funeral and resume your trip.
  • Special event. If you have a special one-off event like a concert, wedding or funeral, this insurance covers you for the difference in price for last minute travel arrangements.
  • Rental vehicle excess. Rental vehicle companies offer insurance when you rent a car. While you can pay extra to reduce your excess, it can still be hundreds of dollars if you have an accident. This insurance covers you for any excess you have to pay if you make a claim on your rental vehicle insurance.
  • Travel delay. If your flight is delayed by more than six hours, this insurance reimburses you for the cost of food and accommodation while you wait.
  • Funeral expenses. Insurance for the cost of funeral expenses if you or your family were to die on your trip. Does not include cover for suicide or death as a result of pre-existing medical conditions.
  • Accidental death. Cover if you die on holiday from an injury or an accident. Events such as the Running of the Bulls and some extreme sports may not be covered under this policy.
  • Legal Liability. If you injure someone or damage someone’s property and are financially culpable, this benefit provides financial assistance for legal fees.
  • Loss of income. If you get home and you can’t work because you were injured on holiday, this cover provides a monthly payment for up to 12 months.
  • Domestic Pets Boarding. This is a benefit specifically to cover your pet’s travel costs if your return to Australia is delayed.
  • Hospital from assault. If you’re attacked need to go to hospital, this benefit to compensates you for the costs.
  • Hijack and detention. If your transport is hijacked or you’re held for more than 12 hours, QBE will pay you a benefit every 24 hours.
  • Kidnapping and ransom. If you’re taken hostage, QBE will reimburse you the cost of your ransom, up to $100,000. However, this is only if you don’t tell your kidnappers you’re insured.

Other Bank of Melbourne credit card insurances

  • Purchase security. This benefit gives you 4 months insurance if you’re a Level 1 cardholder or 3 months insurance if you’re a Level 2 cardholder against loss, theft and damage of items you purchase with your eligible Bank of Melbourne credit card. For Level 1 cards there’s a $135,000 cap on claims over 12 months.
  • Extended warranty. For eligible purchases in Australia, the warranty of the item you buy is automatically extended up to 12 months. This benefit is capped at $20,000 over 12 months for Level 1 cards and $10,000 for Level 2 cards.
  • Price guarantee cover. For Level 1 cardholders only, if you can find a better price on an item you’ve purchased within 3 weeks, QBE will refund you the difference in price. Conditions apply such as the cheaper item you find must also be the same model number, same model year and produced by the same manufacturer.
  • Interstate flight inconvenience. For Level 1 cardholders only, insurance for flight delay, lost baggage, cancellation of your travel plans and more when you’re flying interstate. Be sure to read the product disclosure statement to make sure you meet all the requirements to claim this cover.
  • Rental vehicle excess (Australia). Up to $5,500 cover for Level 1 cardholders to pay insurance excess on rental vehicles. This cover is available to Level 1 cards only.
  • Transit Accident. Compensation if you’re injured when rising in a public passenger vehicle such as a taxi or a ferry.

Bank of Melbourne and QBE 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 QBE: 1800 091 710, 8AM - 8PM, Monday to Friday, AEST.

Frequently asked questions

What’s not covered?

Claims arising from the following activities, events and behaviours are not covered by this travel insurance policy.

  • Pre-existing medical conditions
  • If you don’t take the advice of the QBE medical team to move location
  • Travel booked against medical advice or for medical treatment.
  • Travel booked against government advice.
  • Claims for medical and hospital treatment and you’re under the influence of drugs.
  • If you’re involved in illegal activities
  • Mountaineering, rock climbing, white water rafting, white water boating, abseiling, bungy jumping, running with the bulls, calving, tobogganing, participating in professional sport, base jumping, sky diving, hunting, riding high powered motorbikes
  • If you don’t take precautions to ensure the safety of your belongings, or example leaving your bags in a car unattended on the street overnight.

What are Level 1 and Level 2 cards?

The Bank of Melbourne credit cards complimentary insurance product disclosure statement lists these products as Level 1 and Level 2 cards.

Level 1 credit cardsLevel 2 credit cards

What are the policy numbers if I want to make a claim?

If you want to make a claim, you’ll be asked for your policy number. You can find Bank of Melbourne policy claim numbers below.

InsurancePolicy number
Travel insuranceBM01000001-00
Interstate Flight InconvenienceBM01000002-00
Transit Accident InsuranceBM01000004-00
Purchase Security InsuranceBM01000005-00
Price Guarantee InsuranceBM01000006-00
Extended Warranty InsuranceBM01000007-00
Rental Vehicle ExcessBM01000009-00

What is considered a pre-existing medical condition?

The Bank of Melbourne Complimentary Insurance Terms and Conditions defines a pre-existing medical condition as any condition for which “treatment or advice has been received, or medication prescribed or taken at any time before you obtained your return overseas travel ticket.” This also includes conditions diagnosed after you purchase your ticket but before you depart on your trip but does not include complications from pregnancy.

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Sally McMullen

Sally McMullen is a journalist at finder.com.au who is a credit cards, frequent flyer and travel money expert by day and music maven by night.

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