Covers all prepaid non-refundable travel with no dollar cap if you cancel for an unforeseen reason outside your control. A $300 excess applies per claim, and the travel agent cancellation fee is limited to the lesser of $500 or 15% of the arranged travel. Cover only starts once at least $500 of prepaid travel is charged to the card and you hold a return ticket.
Bank of Melbourne Amplify travel insurance: what does it actually cover?
Bank of Melbourne·A$175/year·Visa Platinum
4,3/5Independent review · verified July 2026
4,4
4,4
3,2
Our Verdict · Travel Insurance
Our take on travel insurance for the Bank of Melbourne Amplify
Expert review · Pauline LauroreAuthor of HelloSafe's card insurance reviews
Unlimited overseas medical. No cover unless you activate it. That gap is what catches most Amplify cardholders. Charge at least $500 of prepaid travel to the card, hold a return ticket, and the Bank of Melbourne Amplify travel insurance is genuinely strong overseas: unlimited emergency medical, cancellation with no dollar cap, and evacuation arranged by the 24/7 line. Most people assume the card insures them the moment it lands in their wallet. It doesn't. Book flights on points, so only the taxes hit the card, and you may not meet the $500 spend, which means no cover at all. Cover also stops after three consecutive months per trip, shorter than the six months on the top Amplify tier. If you charge your trips to the card and travel under three months, the overseas cover does the job; if you book on points or stay longer, read the activation and duration clauses first.
What works on travel
- Unlimited overseas emergency medical: no dollar cap on hospital or treatment costs, $300 excess per claim
- Cancellation with no dollar cap: all prepaid non-refundable travel is covered, subject to a $300 excess
- Evacuation and repatriation unlimited, arranged by the 24/7 Allianz Global Assistance line
- Domestic interstate cover included: cancellation to $3,000 and flight delay from four hours
- Personal liability up to $2,500,000 overseas
Where travel breaks down
- Activation by spend: no cover unless at least $500 of prepaid travel is charged to the card and you hold a return ticket
- Overseas cover stops after three consecutive months per trip, shorter than the six-month Level 1 Amplify tier
- A $300 excess applies to most travel claims, including medical, cancellation and luggage
- Pre-existing conditions are excluded unless auto-covered or assessed for a $45 fee
- Age cap: no cover once you turn 81
Our methodology
Every score is derived from official bank documents: terms and conditions, benefit guides, and claim procedures. No commercial relationship influences our ratings.
Travel Insurance · 20 guarantees
What does Bank of Melbourne Amplify Travel Insurance actually cover?
Cover only applies if the trip was charged to the card. A points booking where only taxes hit the card may not meet the $500 spend, leaving the cancellation cover switched off.
What's covered
- Illness or injury of you, a travel companion or a relative
- Death of you, a travel companion or a relative
- Natural disaster or severe weather disrupting travel
- Unforeseen circumstances outside your control
What's not covered
- Cancellation for a reason within your control or already known
- Pre-existing conditions not on the auto-covered list or assessed
- Travel booked against medical advice
Pre-existing conditions are not covered unless they are on the auto-covered list or you pay $45 to have them assessed before you travel.
Pays overseas emergency medical and hospital costs with no dollar cap, for treatment during the 12 months after an injury or illness first arises. A $300 excess applies per claim. Medicare does not cover you outside Australia, so this is the benefit that matters most on a serious trip.
What's covered
- Emergency hospital and medical treatment overseas
- Emergency dental for sudden acute pain to natural teeth, up to $2,000
- Ambulance costs
What's not covered
- Pre-existing conditions unless auto-covered or assessed for $45
- Pregnancy after 26 weeks or routine antenatal care
- Treatment you travelled overseas to obtain
Emergency evacuation and repatriation are covered with no dollar cap, arranged by the Allianz Global Assistance 24/7 line. This includes moving you to the nearest suitable hospital and, where needed, back to Australia. Repatriation of remains and funeral expenses are also covered.
What's covered
- Emergency evacuation to the nearest suitable hospital
- Repatriation to Australia when medically necessary
- Repatriation of remains and funeral expenses
What's not covered
- Evacuation not approved by the assistance line
- Costs arising from a pre-existing condition not covered
Covers emergency dental for sudden and acute pain to natural teeth (spontaneous toothache) up to $2,000 per person. A $300 excess applies. Routine or cosmetic dental work is not covered.
What's covered
- Sudden acute pain to natural teeth overseas
What's not covered
- Routine, planned or cosmetic dental treatment
- Work on non-natural teeth
Pays $100 per person per day if you are hospitalised overseas, up to a total of $15,000 per person. A $300 excess applies. It is a cash allowance for incidentals on top of the medical cover, not a substitute for it.
What's covered
- Overseas hospital admission during the journey
What's not covered
- Hospitalisation arising from an excluded condition
Covers additional travel and accommodation costs with no dollar cap if your trip is disrupted by injury, illness or another covered event. A $300 excess applies. It also covers extra costs for a necessary travelling companion.
What's covered
- Extra travel and accommodation after injury or illness
- Expenses for a necessary companion
- Costs after evacuation or repatriation
What's not covered
- Costs within your control
- Expenses from a pre-existing condition not covered
After a delay of six consecutive hours, covers meals and accommodation up to $500 per person, capped at $1,100 for a cardholder travelling with family. A $300 excess applies. Keep every receipt, because the insurer asks for them.
What's covered
- Meals and accommodation during a delay of 6 hours or more
What's not covered
- Delays within your control
- Delays already known before you booked
Covers the cost of alternative transport, up to $3,750, to reach a destination on time after your scheduled transport is delayed. A $300 excess applies.
What's covered
- Alternative transport to arrive on schedule after a delay
What's not covered
- Delays within your control
Covers the cost to return home and resume your journey after the death of a relative, up to $5,750 per person and $12,500 for a family. A $300 excess applies. Resumption of the trip is included, not just the flight home.
What's covered
- Return home after the death of a relative
- Resumption of the journey
What's not covered
- Return for a reason not covered
- Costs from a pre-existing condition not covered
If the carrier delays your luggage for more than 12 consecutive hours, covers essential clothing and personal items up to $800 per person, capped at $1,600 for a family. No excess applies. Anything paid here is deducted from a later lost-luggage claim.
What's covered
- Essential clothing and personal items during a 12-hour luggage delay
What's not covered
- Delay on the final leg home
- Items that are not essential
Covers lost, stolen or damaged luggage and personal effects up to $20,000 per person, with a family cap of $30,000. Per-item limits apply: $5,000 for most items, and $5,500 each for cameras and for laptops. A $300 excess applies, and depreciation is taken into account.
What's covered
- Loss, theft or damage to luggage and personal effects
- Cameras and laptops up to $5,500 each
What's not covered
- Sporting equipment while in use: no cover
- Valuables left in a vehicle beyond the stated limit
- Items left behind or unattended
Covers the replacement of travel documents, transaction cards, cash and travellers cheques up to $550 per person, capped at $1,250 for a family. No excess applies. The per-person limit is modest, so treat it as help with reissue costs rather than full protection for large sums of cash.
What's covered
- Replacement of passports and travel documents
- Lost or stolen cash and transaction cards
What's not covered
- Losses not reported
- Amounts above the stated limits
Covers your legal liability for injury to other people or damage to their property overseas, up to $2,500,000. No excess applies. Liability linked to vehicles, aircraft or watercraft is excluded.
What's covered
- Legal liability for third-party injury
- Legal liability for third-party property damage
What's not covered
- Liability from vehicles, aircraft or watercraft
- Liability to family or travelling companions
Pays a lump sum of $50,000 on the accidental death of the cardholder, $25,000 for a spouse and $25,000 for a dependant, up to a family total of $150,000. No excess applies.
What's covered
- Accidental death during the journey
What's not covered
- Death from an excluded activity or condition
Replaces verified income up to $1,000 per person per week for a cardholder or spouse who cannot return to work after an overseas injury, for up to 12 weeks and a maximum of $12,000. No excess applies. A waiting period applies before payments start.
What's covered
- Income replacement after an overseas injury prevents work
What's not covered
- Loss of income from illness rather than injury
- Pre-existing conditions not covered
Covers cancellation of a prepaid interstate flight up to $3,000, under the separate Interstate Flight Inconvenience benefit. A $300 excess applies. Cover starts only when the entire return interstate airfare is charged to the card.
What's covered
- Cancellation of a prepaid return interstate flight
What's not covered
- Cancellation for a reason within your control
- Taxes and airport or agent charges
After an interstate flight delay of four hours or more, pays $125 per person up to a total of $500. No excess applies. It covers the return interstate flight charged to the card.
What's covered
- Meals and expenses after a 4-hour interstate flight delay
What's not covered
- Delays within your control
No domestic additional expenses cover. The interstate benefit covers cancellation, flight delay and luggage, not extra travel or accommodation. Meals and accommodation from a disrupted interstate trip are the cardholder's responsibility.
What's not covered
- Domestic additional expenses are not a benefit under this card
Covers interstate luggage loss, theft or damage up to $500 per item and $1,500 in total. A $300 excess applies. It applies when the return interstate flight was charged to the card.
What's covered
- Loss, theft or damage to interstate luggage
What's not covered
- Items left unattended
- Amounts above the per-item limit
If your interstate luggage is delayed 12 hours or more, pays $125 per person up to $500 for essential items. No excess applies.
What's covered
- Essential items during a 12-hour interstate luggage delay
What's not covered
- Delay on the final leg home
Policy document
We source benefits from official card guides, but PDFs are sometimes hard to obtain or update. Spotted something off?
Coverage Radar
Where the Bank of Melbourne Amplify wins, where it loses
Coverage snapshot for this tab — click any layer to highlight its scores.
Evacuation: above the market average
Trip Cancel: below the market average
Trip Delay: below the market average
Compare
AmplifyThis card4.3/5?
A$175/yrWith travel insuranceIdeal
Complete coverage · 5.0 / 5Premium card avg.
A$241 avg. annual feeClick a layer to highlight its scores on the radar.
Side-by-side comparison
How the Bank of Melbourne Amplify stacks up against the alternatives
Same 5 coverage dimensions, ranked head-to-head against the cards most Amplify shoppers also consider.
| Card | This card Amplify Bank of Melbourne · A$175/yr 4.3/5? | Amplify Qantas Signature Bank of Melbourne · A$370/yr 4.3/5? | Earth Black Westpac · A$250/yr 4.3/5? | Amplify Qantas Platinum Bank of Melbourne · A$250/yr 4.3/5? |
|---|---|---|---|---|
Trip cancellation Per person, per trip cap | Unlimited Unlimited | Unlimited Unlimited | Unlimited Unlimited | Unlimited Unlimited |
Emergency medical Hospital bills abroad | Unlimited Unlimited | Unlimited Unlimited | Unlimited Unlimited | Unlimited Unlimited |
Emergency evacuation Air ambulance + repatriation | Unlimited Unlimited evacuation | Unlimited Unlimited evacuation | Unlimited Unlimited evacuation | Unlimited Unlimited evacuation |
Trip delay trigger Hours before benefits kick in | 6h / $500 Trigger: 6 hours | 6h / $1,100 Trigger: 6 hours | 6h / $1,100 Trigger: 6 hours | 6h / $500 Trigger: 6 hours |
Trip interruption Covered amount | Unlimited Extra travel & accommodation | Unlimited Extra travel & accommodation | Unlimited Unlimited | Unlimited Extra travel & accommodation |
StrongLimited / misleadingNot covered
Data verified against each card's Guide to Benefits, May 2026.
Cardholder reviews
What cardholders say about the Bank of Melbourne Amplify
Real experiences on travel cover and claims 40 reviews
R(
Rich (Australian Frequent Flyer)
Assessed our pre-existing conditions to be safe
We paid extra to have a couple of minor conditions assessed. Possibly didn't need to, but seemed worth spending a small amount to avoid arguments down the track.
J(
Jac (ProductReview)
Paid extra for the insurance, then the claim was rejected
Have paid the higher premium on this card for multiple years for the added benefit of travel insurance, and have booked trips on the card accordingly. My one and only insurance claim was recently rejected.
V(
Vik (ProductReview)
Caught out by a $300 charge on a cancellation
I booked business class trip. As I am not able to make it, I was charged $300 cancelation fee. On top I had to pay airline company cancellation fee. I feel like I was robbed. Customer service not of the greatest also. I feel like I was talking to robots.
Emergency · Card assistance line
How to contact Bank of Melbourne Amplify assistance?
Australia Assistance
1800 227 773
24/7
Overseas Assistance (reverse charge)
+61 7 3305 7468
Reverse charge accepted · 24/7
Benefit administrator: Allianz Global Assistance (AWP Australia) for Bank of Melbourne
Claims & pre-authorizations
How to make an Amplify insurance claim
1
Step 1: Call the 24/7 assistance line before treatment where possible
For a medical emergency overseas, call Allianz Global Assistance on +61 7 3305 7468 before treatment where you can. They coordinate hospitals and evacuation, and give you a reference number the claims team looks for later.
2
Step 2: Lodge the claim and gather your documents
Lodge online with Allianz Global Assistance or call 1800 091 710. Keep itemised accounts, a property irregularity report from the airline for luggage, and your card statement showing the trip was charged to the card.
3
Step 3: Submit proof the trip was charged to the card
The first thing the insurer checks is whether at least $500 of prepaid travel was charged to the card. Send that proof with your claim, and expect roughly four to eight weeks for a decision.
FAQ
What people ask about the Bank of Melbourne Amplify
- The overseas cover switches on when you charge at least $500 of your prepaid travel costs to your Bank of Melbourne Amplify and hold a return overseas travel ticket, before you leave Australia. There is no separate registration step, but the cover is not automatic just from holding the card. You also need to be aged under 81, and your journey has to begin and end in Australia. Activation (charging the required trip cost to the card so the cover switches on) is the single most common reason claims are denied. If you book with points and only the taxes hit the card, check the PDS (Product Disclosure Statement) carefully, because that may not meet the $500 spend.
- Cover extends to the cardholder, their spouse or de facto partner, and dependants, provided each person meets the eligibility rules. Each traveller needs at least $500 of their prepaid travel charged to the card account and a return overseas travel ticket, and each must be aged under 81. A spouse or dependant has to travel with the cardholder for at least half of the cardholder's trip. Dependants under two years are covered when travelling with the cardholder. Only one person can claim the cardholder's benefit amounts, so always check the sums insured that apply to each traveller in your PDS (Product Disclosure Statement).
- It reimburses the excess (the amount the hire company makes you pay towards damage or theft) up to $5,500. It does not waive the damage, so the hire company still charges you the excess and you claim it back afterwards. The Amplify covers this both overseas, inside the international travel policy, and in Australia through a separate Rental Vehicle Excess in Australia benefit, each up to $5,500 with a $300 excess per claim. To qualify, charge the full rental cost to the card and make sure you are a named driver on the agreement. Administrative fees and damage to tyres or windscreens are not part of the covered excess.
- Claims go through Allianz Global Assistance, the administrator behind the policy, online or on 1800 091 710. For a medical emergency overseas, call the 24-hour line on +61 7 3305 7468 before treatment where you can. Lodge within the timeframe your PDS (Product Disclosure Statement) sets, and keep the documents that prove the loss: itemised accounts for medical or delay costs, a property irregularity report from the airline for luggage, and your card statement showing the trip was charged. Some cardholders report clean approvals within a few weeks. Others describe an initial rejection that was only paid after they disputed it, so lodge early and keep everything dated.
- The biggest gap is activation: if you did not charge at least $500 of prepaid travel to the card, there is no cover at all. Pre-existing conditions are excluded unless they are on the auto-covered list or you have them assessed for a $45 fee. Overseas cover stops after three consecutive months per trip, and there is no cover once you turn 81. Off-piste skiing, snowboarding and snowmobiling are excluded, though on-piste skiing is covered. There is no mobile phone insurance, no refund cover, no price protection and no domestic medical cover, since Medicare applies within Australia.
- Yes, through a separate Interstate Flight Inconvenience benefit that applies to return flights between Australian states charged in full to the card. It covers cancellation up to $3,000, flight delay from four hours at $125 per person, luggage up to $1,500 and luggage delay, but not overseas-style medical cover, because Medicare applies within Australia. Cover runs for up to 14 days from the start of the trip. It is genuine protection for interstate air travel, not a full domestic travel policy, and a $300 excess applies to cancellation and luggage claims.
- Yes. On top of the overseas rental excess in the travel policy, the Amplify includes a separate Rental Vehicle Excess in Australia benefit. It reimburses the excess you are liable for after an Australian hire car is damaged or stolen, up to the lesser of the excess in your agreement or $5,500, with a $300 excess per claim. Charge the whole rental to the card and be a named driver on the agreement. This is a real advantage, because many cards reimburse overseas hires only and leave a domestic road trip exposed.
- No. The Amplify does not include mobile phone or screen insurance, so a cracked, lost or stolen phone is replaced out of pocket. Purchase protection can cover a newly bought phone against theft or accidental damage for four months from purchase, up to $10,000 with a $300 excess, but that is not the same as ongoing phone cover. Replacing a flagship smartphone yourself typically costs $1,200 to $2,300. If phone cover matters to you, a standalone gadget or mobile policy is the way to fill this gap.
- On-piste skiing and snowboarding are covered under the overseas travel policy at no extra cost, because they are not listed in the excluded activities. Off-piste skiing, off-piste snowboarding and snowmobiling are excluded, so a claim from skiing outside the marked runs would be declined. Your ski equipment is not separately insured while it is in use, so treat expensive gear as uncovered on the slopes. If you plan off-piste or backcountry runs, a dedicated snow travel policy is the safer option, since the card cover stops at the rope line.
- Some are. The policy automatically covers a listed set of stable pre-existing conditions if you meet the stated requirements, such as no recent treatment. Anything outside that list is excluded unless you apply for assessment online at checkyourcover.com.au/bankofmelbourne or by phone, and pay a $45 administration fee if cover is confirmed. Do this before you travel, because an unassessed condition means any related overseas medical claim can be denied, and those bills can be very large. Answer the assessment questions honestly, or the confirmation can be void.
Not just Bank of Melbourne
Other cards worth considering
Amplify is a strong choice — but depending on what you prioritize, one of these may suit you better.
Amplify Qantas Signature
Bank of Melbourne
Amplify Qantas Platinum
Bank of Melbourne
Amplify Platinum
Bank of Melbourne
Earth Black
Westpac
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