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Bank of Queensland Credit Card Insurance Cover

Information verified correct on December 11th, 2016

What you need to know about BOQ credit card travel insurance

Bank of Queensland Gold and Platinum credit cards offer complimentary international travel insurance for you and your family. This insurance is provided by Allianz Insurance Australia under a Group Policy issued to Citigroup Pty Limited. Read about the terms and conditions of Bank of Queensland credit card insurance and how to make a claim on this page.

BOQ credit cards with complimentary travel insurance

Bank of Queensland provide complimentary international travel insurance for up to six months when you purchase your travel ticket using your eligible BOQ Platinum Visa Card. You can also get complimentary travel insurance for up to three months if you have an existing Bank of Queensland Gold credit card. If you want to apply for a BOQ credit card with complimentary travel insurance, you can consider the Bank of Queensland Platinum Visa.

Bank of Queensland gives you up to 6 months cover when you purchase your return international travel ticket using the BOQ Platinum Visa. Other features include a long term balance transfer offer, access to the Q Rewards program, 2 Q Rewards per $1 spent and a minimum credit limit of $6,000.

What are the eligibility requirements?

When you meet these eligibility conditions, your complimentary international travel insurance is automatically active from the departure date on your travel ticket.

  • The cost of the travel ticket must have been charged to your eligible BoQ credit card or you redeemed Q Rewards to get your ticket. You’re ineligible for cover if you used frequent flyer points to purchase your ticket.
  • Pre-existing medical conditions are not covered. You need to apply for cover by contacting Allianz Global Assistance if you want to to cover you, family or dependent children.

What is a pre-existing medical condition?

A pre-existing medical condition is a medical condition you’re receiving treatment for before the start of your journey or a complication from a condition you’ve sought medical advice for in the past. The policy terms and conditions includes the following examples:
  • Medical disorders
  • Alcoholism
  • Anxiety
  • Drug addiction
  • Ongoing pain
  • Medical dental problems
  • Family are covered if they get their tickets using one of the above methods and they are travelling with the primary cardholder for the entire length of the journey.

Who is considered a spouse?

A spouse is a married, de facto or affianced partner who is permanently living with the cardholder. A spouse must spend the majority of time abroad travelling with the cardholder to be eligible for the complementary international travel insurance.

Who is considered a dependent child?

A dependent child is an unmarried child of the cardholder up to 21 years old. A dependent child must be travelling with the cardholder for the entire length of the trip to be eligible for Bank of Queensland credit card insurance cover.

How do I make a claim?

Allianz Insurance Australia is responsible for processing all insurance claims made under these policies. You can use the following steps to submit a claim at any time:

  • Call Allianz Global Assist: +61 7 3305 7499
  • Send in copies of your flight and travel itinerary and credit card statement listing the purchased travel ticket

If you’re making a claim for stolen or lost items, you need a police report from within 24 hours of when you discovered the theft or loss.

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

Bank of Queensland complimentary credit card insurance covers you for medical costs, lost luggage and travel documents.

Overseas travel and medical insurance

  • Medical Expenses. Cover for the cost of medical and hospital services if you’re injured or get sick when you’re travelling overseas. The insurer can pay for your repatriation and evacuation costs as well as a benefit to cover incidental hospital expenses such as renting a television.
  • Personal and business belongings. Insurance for the theft and loss and of your belongings, including business items, as long as you do not leave the items unattended in a public place. A reduced benefit is paid for items stolen left unattended in a car.
  • Claims for lost travel documents, clothes and toiletries. A benefit to cover replacing clothes and toiletries if an airline loses your luggage.
  • Unexpected cancellation of journey and resumption of journey costs. The insurer will pay the cost of rescheduling your travel plans or reimburse you the cost of cancelled, non-refundable travel tickets and reservations if your travel plans change for reasons out of your control, such as a death or birth in the family. Resumption of journey costs cover the extra costs to get home to attend a relative’s funeral.
  • Cover to get to a special event. Designed to cover travel for the purpose of attending a special event such as a conference or a wedding. Pays a benefit to cover the cost of making alternate travel plans to get your destination.

broken leg

Transit accident cover

  • Interstate flight inconvenience insurance. Covers the loss and theft of personal belongings, emergency luggage replacement and incidental airport expenses if your flight is delayed when you’re travelling within Australia.
  • Eligibility for interstate flight inconvenience insurance. The entire cost of the return, two-week domestic journey is charged to eligible Bank of Queensland Platinum account and the journey is no longer than 14 days.
  • Personal belongings and business items. Insurance to cover the cost of replacing bags, clothes and valuables such as laptops and cameras if they are lost or stolen while you are on your trip.
  • Luggage delay. Covers the cost of buying essential items such as clothes and toiletries if you’re stuck without your bags for 12 or more hours.
  • Unexpected cancellation. Covers the cost of non-refundable travel tickets and arrangements if your journey is interrupted for reasons such as the death of a travelling companion or natural disaster.
  • Rental vehicle excess cover. Pays a benefit if you’re liable to pay rental vehicle excess charges.
  • Flight delay. Covers to the cost of meal and refreshments if your interstate flight is delayed.
  • Missed connection. A benefit is paid to cover meal and refreshment expenses if you’re held up at the airport for less than four hours after a missed connection.
  • Funeral expenses. Cover for the cost of your funeral expenses if you die from an illness or injury you sustained overseas on holiday.
  • Accidental death. Your family gets a benefit if you die within 12 months from injuries or illness sustained from your overseas journey.
  • Personal legal liability. Cover for legal fees and litigation costs.
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What insurances am I covered under?

International travel insurance

Medical benefits

BenefitPolicy limit (per person)Excess
Medical expenses gold and platinum cardsUnlimited. Bed care patient expenses are limited up to $110 per day.$200

Cancellation and additional expenses

BenefitPolicy limit (per person)Excess
Unexpected cancellationFor gold and platinum cards: Unlimited cover to pay for non-refundable travel expenses such as a missed flight due to a lost passport$200
Travel agent’s cancellation feeCapped at the lesser of $500 or 15% of the value of travel plans$200
Travel agent insolvency$5,000 per person; up to $12,000 per cardholder and eligible family if you haven’t claimed the maximum benefit from another source$200

Luggage and personal effects

BenefitPolicy limit (per person)Excess
Loss or theft of personal belongings and business itemsMaximum benefit limit for gold cards: $11,000 per person up to $16,000 per cardholder and eligible family.Maximum benefit limit for platinum cards: $16,000 per person up to $32,000 per cardholder and eligible family.

Property left unattended in a vehicle is insured up to $250 in value per item and $2,500 in total.

$200
Baggage, clothing, personal valuables, portable electrical equipment and binocularsGold cards: $3,000 per itemPlatinum cards: $5,000 per item$200
Cameras and equipmentGold cards: $3,000 per item.Platinum cards: $5,000 per item$200
Laptops and equipmentGold cards: $3,000 per itemPlatinum cards: $5,000 per item$200
Travellers cheques, bank notes, currency notes, postal notes, money orders, cash and credit cards.Gold cards: $500 per person up to $1,000 per cardholder and eligible familyPlatinum cards: $600 per person up to $1,100 per cardholder and eligible family$0
Emergency toiletry replacementGold and platinum cards: $500 per person up to $1,000 per cardholder and eligible family to replace$0

Extra travel cover

BenefitPolicy limit (per person)Excess
Travel delay expensesGold cards: $275 per person up to $700 per cardholder and eligible familyPlatinum cards: $475 per person up to $1,100 per cardholder and eligible family$200
Resumption of journeyGold cards: $5,000 per person up to $10,000 per cardholder and eligible familyPlatinum cards: $6,000 per person up to $12,000 per cardholder and eligible family$200
Special event coverGold and platinum cards: $2,250$200

Rental vehicle expenses

BenefitPolicy limit (per person)Excess
Travel delay expensesGold cards: $275 per person up to $700 per cardholder and eligible familyPlatinum cards: $475 per person up to $1,100 per cardholder and eligible familyN/A

Accidental death, permanent disability and loss of income

BenefitPolicy limit (per person)Excess
Funeral expensesGold cards: $15,000Platinum cards: $20,000N/A
Accidental deathGold cards: $25,000 per cardholder $20,000 per spouse $5,000 per dependent childPlatinum cards: $50,000 per cardholder $50,000 per spouse $5,000 per dependent childN/A
Loss of incomeGold cards: Up to $8,000Platinum cards: $12,000N/A

Personal liability and legal expenses

BenefitPolicy limit (per person)Excess
Personal legal liability$2,250,000N/A

Transit accident insurance

The table below outlines the specific scenarios and insurance sums for transit accident claims.

Transit accident injury resulting in:Sum insured (cardholder)Sum insured (spouse)Sum insured (dependent children)
Loss of life$500,000$250,000$125,000
Loss of both hands or feet$500,000$250,000$125,000
Loss of one hand or foot$500,000$250,000$125,000
Loss of sight in both eyes$500,000$250,000$125,000
Loss of sight in one eye and loss of use of one hand or foot$500,000$250,000$125,000
Loss of use of one hand or foot$500,000$250,000$62,500
Loss of sight in one eye$500,000$250,000$62,500

Interstate flight inconvenience insurance

BenefitCover limit
Personal belongings and business items$750 for each item up to $1,500
Luggage delay$150 per person up to $450
Unexpected cancellation$3,000
Rental vehicle excess insurance$2,250
Flight delay$80 per person; up to $300 for the first four hours or more $80 per person; up to $300 for 10 hours more
Missed connection$80 per person up to 300 for 4 hours or more
Funeral expenses$2,500 per person up to $7,000
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What other types of insurance are available?

  • Purchase cover insurance. An insurance policy to protect the items you purchase with your credit card against theft, loss or damage for 90 days after the date of purchase.
CardJewelry, watches and fine artsMaximum claim in a 12-month period
Blue$1,000$50,000
Gold$5,000$125,000
Platinum$5,000$200,000
  • Guaranteed pricing scheme. Get reimbursed the difference in price up to $500 if you buy an item using your eligible BOQ credit card and you find it on sale elsewhere for cheaper.
  • Extended warranty insurance. This insurance automatically extends the Australian manufacturer’s warranty up to one year and up to the value of $20,000 in 12 months. This insurance applies to items you purchase with your eligible BOQ credit card.

Complimentary international travel insurance is a money-saving benefit of some Bank of Queensland credit cards. This policy provides a standard level of cover and may not be suited if you’re heading overseas to go skiing, or if you plan on getting involved in riskier holiday activities. If this is the case, compare a range of international travel insurance policies so you can find the right level of cover for you.

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Amy Bradney-George

Amy is a Senior Writer at finder.com.au with more than 10 years experience covering credit cards, personal finance and various lifestyle topics. When she’s not sharing her knowledge on money matters, Amy spends her time as an actress.

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2 Responses to Bank of Queensland Credit Card Insurance Cover

  1. Default Gravatar
    marcia | October 27, 2014

    As a Bank of Queensland platinum visa card holder and therefore able to receive free travel insurance, do I get a NIL EXCESS on medical expenses cover with Zurich?

    • Staff
      Elizabeth | October 27, 2014

      Hi Marcia,

      Thanks for your question.

      For medical expenses covered with Zurich, you must pay the first $200 for each claim as an excess.

      I hope this has helped.

      Thanks,

      Elizabeth

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