Bank of Queensland Credit Card Insurance Cover

What you need to know about BOQ credit card travel insurance

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The Bank of Queensland Platinum credit card offers 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 provides 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 cover you, family or dependent children.
  • 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.

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.

What does excess mean?

Note: An excess in insurance is basically the amount you must pay towards any claim that you make.
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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.

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.

What insurances am I covered under?

International travel insurance

Medical benefits

Benefit Policy limit (per person) Excess
Medical expenses gold and platinum cards Unlimited. Bed care patient expenses are limited up to $110 per day. $200

Cancellation and additional expenses

Benefit Policy limit (per person) Excess
Unexpected cancellation For 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 fee Capped 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

Benefit Policy limit (per person) Excess
Loss or theft of personal belongings and business items Maximum 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 binoculars Gold cards: $3,000 per itemPlatinum cards: $5,000 per item $200
Cameras and equipment Gold cards: $3,000 per item.Platinum cards: $5,000 per item $200
Laptops and equipment Gold 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 replacement Gold and platinum cards: $500 per person up to $1,000 per cardholder and eligible family to replace $0

Extra travel cover

Benefit Policy limit (per person) Excess
Travel delay expenses Gold 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 journey Gold 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 cover Gold and platinum cards: $2,250 $200

Rental vehicle expenses

Benefit Policy limit (per person) Excess
Travel delay expenses Gold 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 N/A

Accidental death, permanent disability and loss of income

Benefit Policy limit (per person) Excess
Funeral expenses Gold cards: $15,000Platinum cards: $20,000 N/A
Accidental death Gold 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 child N/A
Loss of income Gold cards: Up to $8,000Platinum cards: $12,000 N/A

Personal liability and legal expenses

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

Benefit Cover 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.
Card Jewelry, watches and fine arts Maximum 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.

Image: Shutterstock

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12 Responses

  1. Default Gravatar
    MaxineMay 7, 2019

    I have a Bank of Queensland platinum card is there an age limit to my complementary travel insurance.

    • Avatarfinder Customer Care
      NikkiMay 8, 2019Staff

      Hi Maxine,

      Thanks for getting in touch! The age limit for Bank of Queensland Platinum card is typically at 80 years old but it would be best to confirm with Allianz Insurance Australia as they are responsible for processing all insurance claims made under these policies. You can find their contact number above. I hope this helps!

      Best,
      Nikki

  2. Default Gravatar
    Ashld72February 13, 2019

    Re: the eligibility criteria: “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” – can you please define “travel ticket”? Is an accomodation purchase sufficient?

    • Avatarfinder Customer Care
      NikkiFebruary 14, 2019Staff

      Hi Ashleigh,

      Thanks for getting in touch! According to the terms and conditions of the card, a travel ticket or a plane ticket must be purchased to get the complimentary international travel insurance and an accomodation / hotel booking doesn’t warrant you the travel insurance. Hope this clarifies!

      Best,
      Nikki

  3. Default Gravatar
    CharlesDecember 24, 2017

    What does the following condition mean on page 13 of your Description of Insurance Cover…….
    “The cardholder obtained the OVERSEAS TRAVEL TICKET under the TAKE FLIGHT PROGRAM”
    What is the “Take Flight” Program???

    • Default Gravatar
      ArnoldDecember 28, 2017

      Hi Charles,

      Thanks for your inquiry

      Take Flight is a service which enables you to redeem Reward points for Travel Vouchers and other nominated travel Rewards offered by Q Rewards® from time to time.

      Hope this information helps

      Cheers,
      Arnold

  4. Default Gravatar
    JamesMay 18, 2017

    Are there any age restrictions on your Platinum Visa travel insurance?

    • Default Gravatar
      LiezlMay 19, 2017

      Hi James,

      Thanks for your question. Just to confirm though, you have come through finder.com.au, not actually Bank of Queensland.

      Actually, there’s no age limit specified for the cardholder and spouse under this insurance cover. However, the dependent child traveling with the cardholder must be unmarried child and 21 years old or younger. I suggest you contact the bank directly to ascertain this information.

      I hope this has helped.

      Cheers,
      Liezl

  5. Default Gravatar
    DavidMarch 18, 2017

    Are there age limits on Platinum travel cover? what is the process to claim for the extended warranty? If the initial warranty was a replacement warranty will the cc warranty insurance replace during year 2. This is most important for low cost items. If the item is part of a set no longer in production, say a matching kettle and toaster set, will a cash refund be offered?

    • Avatarfinder Customer Care
      HaroldApril 27, 2017Staff

      Hi David,

      Thank you for your inquiry.

      1. Are there age limits on Platinum travel cover?
      Answer – You can find the details here

      2. What is the process to claim for the extended warranty?
      Answer – Please follow the instructions listed on this section.

      I hope this information has helped.

      Cheers,
      Harold

  6. Default Gravatar
    marciaOctober 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?

    • Avatarfinder Customer Care
      ElizabethOctober 27, 2014Staff

      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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Rates last updated November 13th, 2019
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$199 p.a. annual fee for the first year ($299 p.a. thereafter)
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Citi Clear Platinum Credit Card
0% for 9 months, reverts to 14.99% p.a.
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