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.
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: Up to a maximum total limit of $5,000 for a cardholder travelling with their spouse and/or dependants.
$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:
Stolen, accidentally damaged or permanenly lost covered items: Up to $4,000 per item for computers, cameras and video cameras. Up to $1,000 per item for any other covered item, including mobile phones
Covered items left in a vehicle during daylight hours: Up to $5,000
Valuables left in a vehicle or checked-in luggage: No cover available
$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.
Travel insurance policies all have specific ways of looking at pre-existing medical conditions, so it's really important you're aware of the actual definition they use.
As well as the summary above, we have included the definition that's in the current BOQ card insurance policy document, effective from 1 November 2024 (page 15):
Pre-existing medical condition means a condition of which a reasonable person in the circumstances, should have been aware at the time eligibility for the cover available was met, including:
any dental condition; or
any physical condition; or
pregnancy; or
any lifelong illness; or
any chronic illness; or
any mental illness; or
any current or previously treated cancer; or any condition which, in the last two years:
was treated by surgery (including day surgery); or
required regular medication; or
required on-going treatment; or
was referred to a specialist medical adviser; or
had regular reviews or check-ups; or
caused admission to hospital; or
was treated at a hospital emergency department or out-patient clinic
If you're not sure whether a pre-existing medical condition will be covered, call Allianz on 1800 072 791 to check if you can use this insurance.
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.
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.
How to make a claim under one of these policies 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.
Amy Bradney-George was the senior writer for credit cards at Finder, and editorial lead for Finder Green. She has over 16 years of editorial experience and has been featured in publications including ABC News, Money Magazine and The Sydney Morning Herald.
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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.
Hi Susan,
When you meet the requirements for cover, it is available for the primary cardholder and their spouse (a partner in a permanent relationship at the time of the cover). You can contact the insurance provider, Allianz on 1800 072 791 to check if you and your de factor partner meet the requirements. I hope this helps.
I have a Visa platimum card, my birth year is 1942. Am I still covered for travel insurance or do I have to take out insurance with someone else and cancel my credit card.
Hi Ian,
The current insurance policy booklet for this card states that cover is available for “persons aged under 81 years”. If you want further details, you could contact the insurance provider, Allianz, on 1800 072 791. You may continue to use your credit card if you want, but could also cancel it at any time if you have no outstanding balance. You can also compare travel insurance for people aged over 80 on Finder to learn more about different options. I hope this helps.
Hi I made a holiday booking paying with my BOQ bankcard, my husband got a Platinum Visa Creditcard how do we let BOQ know that we leaving and coming back on certain dates so they know if we need to claim travel insurance if something happens.
Thank you
Hi Leandra,
You can call Allianz Global Assistance on 1800 072 791 to get confirmation of your cover. You don’t need to let BOQ know as Allianz is the insurance provider. I hope that helps.
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!
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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.
Hi
I have. BOQ platinum and going to Bali with my de facto partner , are we both covered for travel insurance? If I booked on my credit card
Hi Susan,
When you meet the requirements for cover, it is available for the primary cardholder and their spouse (a partner in a permanent relationship at the time of the cover). You can contact the insurance provider, Allianz on 1800 072 791 to check if you and your de factor partner meet the requirements. I hope this helps.
I have a Visa platimum card, my birth year is 1942. Am I still covered for travel insurance or do I have to take out insurance with someone else and cancel my credit card.
Hi Ian,
The current insurance policy booklet for this card states that cover is available for “persons aged under 81 years”. If you want further details, you could contact the insurance provider, Allianz, on 1800 072 791. You may continue to use your credit card if you want, but could also cancel it at any time if you have no outstanding balance. You can also compare travel insurance for people aged over 80 on Finder to learn more about different options. I hope this helps.
Hi I made a holiday booking paying with my BOQ bankcard, my husband got a Platinum Visa Creditcard how do we let BOQ know that we leaving and coming back on certain dates so they know if we need to claim travel insurance if something happens.
Thank you
Hi Leandra,
You can call Allianz Global Assistance on 1800 072 791 to get confirmation of your cover. You don’t need to let BOQ know as Allianz is the insurance provider. I hope that helps.
I have a Bank of Queensland platinum card is there an age limit to my complementary travel insurance.
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