Bank of Queensland Credit Card Insurance Cover

Information verified correct on September 23rd, 2016
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The Bank of Queensland (BOQ) Credit Card doesn’t just give you a quality credit card to make and track transactions, but it also provides you with access to a range of complimentary insurances to give you peace of mind without paying extra premiums that you’d otherwise need to with stand alone insurance policies. If you need to make a claim please click here

Automatic insurance with your credit card?

Owning a BOQ credit card gives you the advantage of having automatic insurance with an eligible credit card. Which insurances you have access to will depend on the type of credit card that you hold.

Because this insurance comes as a complementary feature of owning your credit card, there is no acceptance or premiums necessary. It’s the easiest insurance policy you may have.

It’s important that you understand what insurances are attached to your card, and that you understand the policies and what is and isn’t covered. This will help you in the event of a claim and also help you decide if you are adequately covered. By reading and making sure that you understand the product disclosure statement (PDS) you can ensure that you are confident that you will know what is required for your insurance to be valid and your expectations in the event of a claim.

Complimentary Insurances Available to Blue, Gold and Platinum BoQ Credit Cards

All BOQ Blue, Gold and Platinum credit cards come with Guaranteed Pricing Scheme and Purchase Cover Insurance.

Purchase Cover Insurance

There’s nothing worse than buying an item and having it stolen from you or receiving a brand new item for yourself and accidentally breaking it by dropping it the first time you go to use it. All cardholders with BoQ have Purchase Cover Insurance which protects purchases made using their credit card against theft, loss or damage.

The product can have been purchased anywhere in the world, or given as a gift (to a permanent Australian resident) and will still be covered, so long as the entire cost of the item was purchased using the cardholder’s card and that the claim has been made within 90 days after purchase. This takes some of the heartache and financial strain out of theft or just bad luck. You, or the recipient of the covered product, do need to have taken possession of the item(s) and make a claim within 21 days of the incident.

Details of BoQ cover

BoQ will pay the lesser of the amount charged to the cardholder’s card to pay for the product or:

  • $1,000 per claim for Blue Cards
  • $3,000 per claim for Gold Cards
  • $5,000 per claim for Platinum Cards (in respect of watches, jewellery and fine arts)

Please note that the maximums payable in a 12 month period for any one card are:

  • $50,000 for Blue Cards
  • $125,000 for Gold Cards
  • $200,000 for Platinum Cards

Guaranteed Pricing Scheme

Guaranteed pricing
BoQ’s Guaranteed Pricing Scheme takes the frustration out of making large purchases. If you buy a product then see it cheaper elsewhere, BoQ will cover the difference, up to a maximum amount of $500.

The item needs to have been purchased using your Platinum, Gold or Blue card, and the cheaper item needs to be advertised in a store catalogue. Make sure that the advertised product is the same manufacturer, model number and year of the one that you have bought, and is available from a store within a 25 kilometre radius of where you originally bought your covered item from, in order to be able to make a claim. To be eligible, you also need to make your claim within 60 days and the item cannot have been purchased on or only advertised on the internet.

international travel insurance

International Travel Insurance

Platinum and Gold cardholders also receive complimentary travel insurance attached to their credit card. This can make travelling overseas just that bit cheaper and give you more peace of mind knowing that you’re covered in the event of an accident while you’re on holiday.

Eligibility

In order to be covered under BoQ’s complimentary International Travel Insurance, the cost of the overseas travel ticket needs to have been either purchased on the cardholder’s card (but not taxes or airport or travel agent charges), acquired by redeeming Q Rewards points, or obtaining the ticket to travel overseas under the Take Flight Program.

If the ticket was purchased using other rewards schemes in full or in part, or only purchased in part using the cardholder’s Gold or Platinum BoQ card, then it will not be eligible for BoQ’s International Travel Insurance.

Under this cover, the cardholder’s spouse and dependent children who are travelling with the cardholder are also covered if their tickets were obtained in one of the eligible ways described above.

Period of cover

The insured period for cardholders with a one-way overseas travel ticket is 31 days or less. For Gold Card cardholders with a return ticket, the cover is three months (or less) and Platinum Card cardholders with a return ticket are covered for six months (or less). You are covered travelling from your home to the Australian sea or air terminal that’s the same as the departure point that shows on your overseas travel ticket, so long as you take a direct route from your home to the airport or seaport and don’t decide to take a varied route.

Return tickets

travel bags and airplane in the skyIf you have a return ticket, your cover will end either when you return to your home in Australia from the air or seaport so long as you travel directly to your home, at midnight on the date you are due to return home as shown on your overseas travel ticket. You need to have returned after three consecutive months for Gold Card cardholders after the departure date shown on your overseas travel ticket, or six consecutive months for Platinum Card cardholders after the departure date shown on your overseas travel ticket. Cover will also cease when you cancel your return overseas travel ticket.

Of course, there are many reasons that may delay your return to Australia that are completely out of control. If you have a return ticket and you are prevented from returning to Australia, your cover will automatically be extended for up to four weeks, or until you return to Australia, whichever comes first.

One way tickets

You are covered until either you return to Australia and travel directly from the air or seaport in Australia to your home, or after 31 consecutive days from the departure date shown on your overseas travel ticket.

Pre-existing medical condition

You can even apply to have pre-existing medical conditions covered when travelling overseas either for yourself, your travelling companion or relatives travelling with you. You will first need to contact Zurich Assist on 1800 648 093 to discuss covering your pre-existing condition(s) with them. You’ll also need to receive a letter of confirmation before you travel in order to be covered for these conditions.

Please note that if you do not obtain written confirmation that you will be covered prior to leaving Australia, you and your travel companion or relatives will not be covered in the event that you make a claim involving a pre-existing medical condition.

What is covered?

Medical expenses

Whether travelling for work or pleasure, no one likes to be sick while they’re away but if you do become ill or injured during your journey and a registered medical professional certifies that you require treatment and you incur medical expenses to treat the illness or injury, your medical expenses will be covered.

This also covers you if you are prevented from returning to Australia because of illness or injury for up to 12 months after the injury occurred or diagnosis was given.

You will even be covered for incidental expenses, such as phone calls from the hospital, television rental and newspapers, for up to $110 per day for each continuous 24 hour period you are a bed care patient.

Please be aware however that in some circumstances, Zurich may decide to return you to Australia for ongoing medical attention. If you choose not to return to Australia then you will no longer be eligible to continue receiving medical expenses that would otherwise be covered.

If you do have a medical emergency overseas, you can contact Zurich Assist from anywhere in the world (reverse charge if necessary) to access their team of doctors and medical professionals. Zurich can also make available to you access to emergency assistance and advice, emergency transportation to the closest suitable medical facility, emergency evacuation, provide payment guarantees to hospitals and proof of insurance, access to an urgent message service and emergency travel planning and can even keep your family in Australia informed of your condition if you so choose.

Personal belonging and business items

You are covered for the loss, theft or damage of your personal belongings. Personal belongings don’t just include your baggage but also includes your clothing and personal items, including valuables and electronic equipment that may include cameras, binoculars, laptops and other associated accessories. Please note that scratched screens or lenses aren’t covered.

Your travel documents, traveller’s cheques, currency notes, money orders, cash and credit cards are also covered.

Also covered is emergency replacement of clothing and toiletries if your luggage is delayed, misplaced or misdirected by any carrier for more than twelve hours (you need to ensure that you obtain written confirmation from the carrier to the effect).

If your travel documents, credit cards are lost or stolen, BoQ will cover you for any legal liability for payment arising from their unauthorised use, so long as you have complied with all conditions you agreed to when your travel documents, credit cards or travellers cheques were issued, and have reported to the relevant authorities, such as the police, consulate or bank, as quickly as possible after you’ve realised the items have been stolen or that you’ve lost them.

If your personal valuables are lost or stolen, you must be able to prove ownership (such as receipts or in the case of jewellery that could be valuations). If you are unable to prove the value of the items you are claiming on, the most that will be paid for each individual item is 10% of the amount payable as follows:

Gold Card

  • Up to $11,000 per person and up to $16,000 for a cardholder travelling with their spouse or children, limited to $3,000 per item for baggage, clothing, personal valuable, portable electrical equipment and binoculars.
  • Up to $3,000 per camera and associated equipment and accessories.
  • Up to $3,000 per laptops and associated equipment and accessories.
  • Up to $500 per person or up to $1,000 for a cardholder travelling with their spouse or children for travel documents. This may include passports, traveller’s cheques, cash, currency notes or credit cards.
  • Up to $500 per person or up to $1,000 for a cardholder travelling with a spouse for personal effects such as clothing and toiletries.
  • Up to $3,000 in total for business items, and up to $250 per item for property left unattended in a motor vehicle, up to a maximum of $2,500 in total per claim.

Platinum Card

  • Up to $16,000 per person and up to $32,000 for a cardholder travelling with their spouse or their children, limited to $3,000 per item for baggage, clothing, personal valuable, portable electrical equipment and binoculars.
  • Up to $5,000 per camera and associated equipment and accessories.
  • Up to $5,000 per laptops and associated equipment and accessories.
  • Up to $600 per person or up to $1,100 for a cardholder travelling with their spouse or any dependent children for travel documents, traveller’s cheques, local or foreign currency, money orders or credit cards.
  • Up to $500 per person or up to $1,000 for a cardholder travelling with a spouse or children for personal effects such as clothing and toiletries.
  • Up to $3,000 in total for business items, and up to $250 per item for property left unattended in a motor vehicle, up to a maximum of $2,500 in total per claim.

Unexpected cancellation and expenses

There are times when you’re already for your trip; bags packed, everything paid for, booked and ready to go, then unexpected circumstances arise completely out of your control that prevent you from travelling overseas. Rather than be out of pocket for this, the international travel insurance on your card also plans for this eventuality.

Under this cover, you are insured for the cancellation of travel arrangements and expenses that have been incurred after you have paid for and obtained your overseas travel ticket, right up until the end of the journey. Here are the unexpected events that you are covered for:

  • You, your travelling companion or a relative dies or becomes seriously injured.
  • If you have obtained approval for a pre-existing medical condition and you have paid the associated administration fee, you will be covered if you cancel your journey due to requiring medical attention relating to that pre-existing medical condition.
  • If you become aware of a medical condition that you are not covered for before you depart Australia.
  • Pregnancy complications that prevent you from travelling and may result in risking either your health or the health of your unborn child
  • Your travel is cancelled due to mechanical breakdown, riots, strikes, civil commotion, inclement weather or natural disasters. Cancellations due to acts of terrorism aren’t covered under this particular policy.
  • A natural disaster preventing your travel either at you or your companion’s residence in Australia or at your destination.
  • The cancellation or postponement of a special event, so long as the event was cancelled or postponed due to reasons beyond your control.
  • Your travel documents, or the travel documents of your travel companion, are lost or stolen.
  • You or your travel companion is quarantined.
  • If you or your travel companion’s residence in Australia is completely destroyed.
  • If you or your travel companion is subpoenaed to attend court in Australia on a date that falls within your journey (so long as you obtained your overseas travel ticket prior to the subpoena).
  • The involuntary retrenchment or redundancy of you or your travel companion.
  • If the travel services provider you booked your travel through suffers financial insolvency or financial collapse.
  • If you or your travel companion is required to sit exams provided that you or your travel companion did not know the date of the exam prior to obtaining your overseas travel ticket.
  • If you are a full time employee of the police, fire, ambulance, defence or emergency services and your employer cancels your prearranged leave.
  • Your flight is delayed or cancelled which causes you to miss your arranged travel. If, at the earliest possible chance you reschedule your travel arrangements, you may be covered for either non-refundable travel and accommodation which you paid for, or the increased cost of travel or seasonal rates if there is no other rates available. However, you will only be paid the difference of the refundable part of your scheduled travel arrangements.

If you choose not to reschedule or are unable to do so, you will be paid for any part of cancelled accommodation or travel which you paid for but is non-refundable. To ensure that you can make a claim under these circumstances, you need to make sure that you recover any refund that you are entitled to and cancel any other travel or accommodation arrangements that you are now unable to use.

Resumption of journey

If a relative passes away whilst you are overseas, as long as they were not declared terminally ill before commencement of your journey, you will be covered for an economy ticket back to Australia and return to the overseas location where you were meant to be at that point in your journey, according to your itinerary, provided that at least 14 days or 25% (whichever is the greater) of your journey remains. This is also subject to your claim not be excluded elsewhere in the policy.

Special event

If you were travelling for the purpose of attending a special event (such as a meeting, concert, convention, sports event) and you are delayed or your journey is interrupted due to circumstances beyond your control, and the event can’t be delayed, you will be covered for the additional cost of using public transport to ensure that you arrive at the destination of the special event on time.

Rental vehicle insurance excess

You will be reimbursed for any excess you have to pay as the result of making a claim under a comprehensive rental vehicle policy so long as you have taken out comprehensive insurance against loss or damage of the rental vehicle as part of your rental agreement and you have complied with all requirements of the rental agency and insurer and not violated any of the rental agreement terms in regards to the rental vehicle.

cancelled delayed flightsTravel delay

You may be reimbursed additional meals and accommodation if your travel is delayed by more than six hours for reasons beyond your control, so long as you are able to supply receipts for the expenses and written confirmation from the carrier confirming the length of the delay.

Funeral expenses

If you were to pass away whilst on your journey and a death certificate can be provided by a qualified and registered medical practitioner as proof of death, your funeral expenses will be covered.

Accidental death

If you suffer an injury in an accident during your journey and pass away as a result up to 12 months after the injury was sustained, and a death certificate can be provided by a registered and qualified medical professional confirming the cause of death, you will be covered for accidental death so long as you are not covered under the Transit Accident Insurance. If you suffer an accident and your body is not found or recovered within 12 months of the accident, you will be treated as having died as a result of the accident.

Personal liability

If you find yourself in a situation for which you may be liable, BoQ can cover you for legal liability and related legal expenses and fees so long as they incur them on your behalf or they have agreed in writing that you may incur them. You must not settle or defend any claim, make or accept any offer or payment or admit that you are liable.

There are a number of exclusions to public liability that you should be aware of. You won’t be covered if the dispute arises from ownership, control or occupation of land or a building unless you are a tenant or resident or have some other arrangement to temporarily occupy the residence. Ownership, control and use of firearms, motorised vehicles, aircraft and watercraft are also excluded, except for the use of watercraft on inland waterways. This exclusion doesn’t apply if you are a passenger and don’t own or control the vehicle. Advice given by you in a professional capacity is also excluded, as is anything that would be covered under worker’s compensation legislation, any industrial award or agreement, or accident compensation legislation and its equivalent in any country.

Loss of income

If you suffer an injury on your overseas trip which prevents you from working, this cover pays you (in arrears) for loss of income. You won’t be paid for the first month after you planned to resume working in Australia, and the loss of income must be directly related to injuries sustained on your journey, and your claim must be supported by Australian qualified and registered medical practitioner.

Extended Warranty Insurance

Platinum Cardholders are also able to enjoy cover to protect items purchased on their BoQ credit card after the registered warranty would have expired in the case that the item breaks down or needs to be repaired. This insurance only applies to items that were wholly purchased on the card.

To ensure that you are eligible to make a claim you need to have taken all reasonable care to protect or maintain the item, keep the items and parts so that they can be inspected, and make sure that you don’t arrange or start any repairs or replacements until you have sought approval under this cover.

The length of time the extended warranty covers the item for will depend on the registered warranty period of the item.

Transit Accident Insurance

broken legUnder this, Platinum cardholders are covered for a range of specific injuries or loss of life (and the cardholder’s spouse or children) if the injury or death was sustained on a trip that was paid for on their BoQ Platinum Card. The injuries or death may also be claimed as a result of an accident sustained whilst you were on your trip, so long as they occur within twelve months of the accident.

Being on your trip also includes boarding or alighting from your conveyance, so train, plane or boat, for instance, or for travelling directly to or from a dock, airport, railway station or coach depot immediately before or after your trip.

The amount that will be paid for each injury, loss of limb or loss of life will depend on the type of injury sustained, and if the claim is being made for the cardholder, their spouse, or for their dependent children.

Claims are also limited to a maximum of $1,300,000 per accident, per card. So if the cardholder, spouse, and dependent children were all in the same accident, each would be entitled to separate amounts, where the total amount paid does not exceed $1,300,000.

Interstate Flight Inconvenience Insurance

It’s not only when you’re travelling overseas that things can go wrong. This insurance which comes attached to Platinum Card cardholders covers those incidents that can disrupt your journey within Australia.

This cover applies when you are travelling within Australia for up to 14 days. If your journey is greater than 14 days, your Interstate Flight Inconvenience Insurance doesn’t apply.

Under this insurance, the cardholder, their spouse and accompanying dependents are covered if the entirety of their journey (excluded taxes, airport fees, and travel agent taxes) was wholly purchased on the cardholder’s card prior to the journey commencing.

Your cover starts at the beginning of your journey, which is on the departure date for your interstate flight and includes travel directly from your residence to the airport (as shown on your interstate flight). This only applies though if you go directly from home to the airport without diverging.

You are covered for;

  • Loss, theft or damage of personal belongings and business items, such as baggage, clothing items, personal valuables, portable electronic equipment and associated accessories that may include laptops and cameras (but not scratched lenses and screens).
  • Emergency replacement of luggage when your flight is delayed or your luggage misdirected by more than 12 hours. You will need to obtain written confirmation from the airline, and you’ll be covered for emergency replacement of essential clothing and toiletries, so long as those items have been charged to the cardholder’s card.
  • Cancellation of travel arrangements due to circumstances beyond your control, if this claim hasn’t already been covered elsewhere in the policy.

Reasons for cancellation can be;

  • If you, your travel companion or a relative passes away or becomes seriously ill or injured (you will need to provide written confirmation from a qualified and registered medical practitioner).
  • Riots, strikes, mechanical breakdown, and civil commotion (but not acts of terrorism), weather conditions or natural disasters
  • A natural disaster either at your destination or at you or your travel companion’s residence.
  • A special event that you were attending being cancelled or postponed due to reasons beyond your control.
  • You or your travel companion is confined to quarantine.
  • You or your travel companion’s home (in Australia) is completely destroyed
  • You or your travel companion has been subpoenaed for court after you purchased your return interstate travel ticket, and it falls within the dates of your journey.
  • You or your travel companion is retrenched (no including voluntary redundancy or retrenchment).
  • You or your travel companion have to sit exams for studies and you were not aware of the date of the exam when you purchased the interstate travel ticket.
  • Reimbursement of rental vehicle excess that you become legally liable to pay whilst on your journey so long as you have taken comprehensive insurance against loss or damage to the rental vehicle as part of the rental agreement, complied with all the requirements under that agreement, and not violated any terms of the rental agreement for the vehicle.
  • If your flight is delayed by four hours or more, reimbursement of an additional meal and expenses due to your flight being delayed can be claimed so long as you charge the expenses to the cardholder’s card and obtain written confirmation from the carrier as to the length of the delay, and there was no alternative transport made available.
  • If your flight is delayed by ten hours or more, and there’s no alternative transport that’s been made available to you, then you will be reimbursed an additional meal and refreshments, again providing that you have obtained written confirmation from the carrier as to the length of time the flight was delayed for.
  • If you miss your connection due to the late arrival of your proceeding flight and there is no alternative flight within the next four hours, you can claim the reimbursement of additional meal and refreshments, so long as their cost is charged to the cardholder’s card and you are able to provide written confirmation from the carrier confirming the length of time between available flights.
  • Your funeral expenses if you pass away as a result of injuries sustained whilst on your journey.

To ensure that you fully understand your insurance cover, you should always take the time to read the Product Disclosure Statement (PDS). If there is anything you are unsure of or don’t understand, you can contact the team at BoQ and they will explain the details of the cover to you.

Making a claim

If you need to make a claim, you can use the numbers below.

  • Inside Australia phone: 1800 648 093
  • Outside Australia phone: +61 2 9995 2477.

You can reverse charge to this number if necessary.

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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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