Covers all prepaid non-refundable travel and accommodation with no dollar cap, subject to a $300 excess. Cover switches on only after you charge at least $500 of prepaid travel to the card and hold a return overseas ticket. Covered reasons include illness, injury or death, natural disasters, quarantine, retrenchment and being subpoenaed to court. Travel agent cancellation fees are limited to the lesser of $500 or 15% of the value arranged.
What does the Bank of Melbourne Amplify Qantas Signature travel insurance actually cover?
Bank of Melbourne·A$370/year·Visa Signature
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 Qantas Signature
Expert review · Pauline LauroreAuthor of HelloSafe's card insurance reviews
Unlimited overseas medical. Thin phone cover. That gap sits inside an otherwise strong travel policy. Charge $500 of prepaid travel to the card, hold a return ticket, and the Bank of Melbourne Amplify Qantas Signature travel insurance switches on for up to six months overseas: unlimited emergency medical, cancellation with no dollar cap, a $300 excess per claim. The kicker: it only works if you activated it. Most cardholders assume holding the card is enough. It isn't, and a points booking where only the taxes hit the card can leave you uninsured. If you always charge your flights to the card, the overseas cover genuinely does the job; if you book on points, read the activation clause before you fly.
What works on travel
- Unlimited overseas emergency medical: no dollar cap on hospital and treatment costs, $300 excess per claim
- Cancellation with no dollar cap: all prepaid non-refundable travel, subject to a $300 excess
- Up to 6 months per overseas trip, one of the longer cover periods among complimentary card policies
- Personal liability up to $2,500,000 and luggage up to $20,000 per person overseas
- Interstate flight cover included: domestic cancellation to $3,000, plus flight and luggage delay
Where travel breaks down
- Activation by spend: no cover unless $500 of prepaid travel is charged to the card and you hold a return ticket
- Age cap 81: no international cover for anyone aged 81 or over when cover would start
- Travel delay pays only after 6 hours and caps at $1,100 for a cardholder with family
- Pre-existing conditions need to be on the auto-covered list or assessed for a $45 fee
- No domestic additional-expenses cover: interstate cover is cancellation, delay and luggage only
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 Qantas Signature Travel Insurance actually cover?
Cover only applies if you charged at least $500 of prepaid travel to the card and hold a return ticket. A points booking where only taxes hit the card may not activate it.
What's covered
- Illness, injury or death of you, a companion or a relative
- Unexpected natural disasters affecting your travel
- Quarantine, a totally destroyed home, or being subpoenaed to court
- Retrenchment (not voluntary redundancy)
What's not covered
- Changing your mind or your plans
- Pre-existing conditions not on the auto-covered list or not assessed
- Business or contractual obligations, except covered retrenchment
Unlimited only after activation: the trip has to be charged to the card first. Pre-existing conditions need to be on the auto-covered list or assessed for a $45 fee.
Covers overseas emergency medical and hospital costs with no dollar cap, subject to a $300 excess per claim. The insurer only pays for treatment during the 12 months after the sickness or injury first occurs. Pre-existing conditions are covered only if they sit on the auto-covered list or you have them assessed for a $45 fee.
What's covered
- Overseas hospital and treatment costs
- Ambulance and medical adviser charges
- Emergency dental arising from an injury
What's not covered
- Pre-existing conditions not on the auto-covered list or not assessed
- Pregnancy after the 26th week
- Travel against medical advice
Covers emergency evacuation and repatriation to Australia with no dollar cap, arranged through the 24/7 Allianz Global Assistance line. Repatriation of remains and reasonable funeral costs overseas are also covered. A $300 excess applies to evacuation and repatriation claims.
What's covered
- Emergency evacuation to the nearest suitable facility, then home
- Repatriation of remains or overseas funeral costs
- 24/7 emergency assistance coordination
What's not covered
- Costs not authorised by the assistance line
- Evacuation for a pre-existing condition that is not covered
Covers emergency dental treatment for sudden and acute pain to natural teeth (spontaneous toothache), up to $2,000 per person. A $300 excess applies. Routine and cosmetic dental work is not covered.
What's covered
- Sudden and acute pain to natural teeth overseas
What's not covered
- Routine or cosmetic dental treatment
- Dental work that could reasonably wait until you return
Pays $100 per person for each day you are hospitalised overseas, up to a total of $15,000 per person. It is a cash allowance on top of the medical cover, not a reimbursement of costs. A $300 excess applies.
What's covered
- Overseas in-patient hospitalisation during the journey
What's not covered
- Hospitalisation for a pre-existing condition that is not covered
Covers additional travel and accommodation expenses if you, a companion or a relative is incapacitated, or you are evacuated, with no dollar cap. A $300 excess applies. It also covers emergency expenses for a necessary travelling companion.
What's covered
- Extra travel and accommodation from your incapacity
- Emergency expenses for a necessary companion
- Expenses from evacuation or repatriation
What's not covered
- Costs arising from a pre-existing condition that is not covered
Pays only after a 6-hour delay and caps at $1,100 for a cardholder travelling with family.
Covers meals and accommodation after a delay of 6 consecutive hours or more, up to $500 per person and a total of $1,100 for a cardholder travelling with family. A $300 excess applies. The delay has to be outside your control.
What's covered
- Meals and accommodation during a delay of 6 hours or more
What's not covered
- Delays you were aware of before travelling
Covers the cost of alternative transport to reach a destination on time after a covered delay, up to a total of $3,750. A $300 excess applies. It applies when your scheduled transport is disrupted by an event outside your control.
What's covered
- Reasonable alternative transport to stay on schedule
What's not covered
- Delays from an act of terrorism
- Changes you make to your own plans
Covers the cost to return home and resume your journey after the death of a relative, up to $5,750 per person and a total of $12,500. A $300 excess applies. Resumption of the trip, not just the flight home, is included.
What's covered
- Return home after the death of a relative
- Resuming the journey afterwards
What's not covered
- Return home for a reason outside the covered triggers
Reimburses essential purchases when the airline delays your luggage for more than 12 consecutive hours, up to $800 per person and a total of $1,600. No excess applies. Keep the receipts for the items you buy during the wait.
What's covered
- Essential clothing and personal items during a luggage delay
What's not covered
- Amounts already reimbursed by the carrier
Covers luggage and personal effects that are stolen, accidentally damaged or lost, up to $20,000 per person and a total of $30,000 for a cardholder with family. Per-item sub-limits apply: $5,000 for most items, $5,500 for a camera and $5,500 in total for laptops. A $300 excess applies, and sporting equipment is not covered while in use.
What's covered
- Baggage, clothing and portable electrical equipment
- Cameras and laptops within their sub-limits
What's not covered
- Sporting equipment while in use
- Valuables left in a vehicle or checked in as cargo
- Items left behind after checking out
Covers the replacement of travel documents, transaction cards, travellers cheques and cash, up to $550 per person and a total of $1,250. No excess applies. It includes fraudulent use of lost or stolen cards.
What's covered
- Replacing passports and travel documents
- Fraudulent use of lost or stolen transaction cards
- Cash, money orders and travellers cheques within the limit
What's not covered
- Losses not reported promptly
Covers your legal liability for injury to other people or damage to their property overseas, up to $2,500,000. No excess applies. Liability arising from vehicles, aircraft or your employment 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 or aircraft
- Liability arising from your work or business
Pays a lump sum if you die from an accident during the journey: $50,000 for the cardholder, $25,000 for a spouse and $25,000 per dependant, up to a family total of $150,000. No excess applies. It is a fixed benefit, separate from the medical cover.
What's covered
- Accidental death of the cardholder, spouse or dependant during the journey
What's not covered
- Death from a pre-existing condition
- Death from an excluded dangerous activity
Replaces verified income if an overseas injury stops you working after you return, at up to $1,000 per week for a cardholder and spouse. Cover is limited to 12 consecutive weeks of incapacity and a total of $12,000 across all claims. No excess applies.
What's covered
- Lost verified income after an overseas injury prevents work
What's not covered
- Loss of income from a sickness rather than an injury
- Income that cannot be verified
Covers cancellation of a prepaid interstate flight for covered reasons such as illness, death, natural disasters, retrenchment or a totally destroyed home, up to a total of $3,000. A $300 excess applies. The entire return interstate airfare must be charged to the card, excluding taxes and airport charges.
What's covered
- Illness, injury or death affecting the trip
- Unexpected natural disasters or a destroyed home
- Retrenchment or being subpoenaed to court
What's not covered
- Pre-existing conditions
- Changing your plans
Covers meals and accommodation when an interstate flight is delayed 4 hours or more with no alternative transport provided, at $125 per person up to a total of $500. No excess applies. Delays caused by an act of terrorism are not covered.
What's covered
- Reasonable meals and accommodation during an interstate flight delay
What's not covered
- Delays from an act of terrorism
No domestic additional-expenses cover. The interstate benefit covers cancellation, flight delay and luggage only, not extra travel and accommodation from illness or injury within Australia. Those extra costs on an interstate trip are the cardholder's responsibility.
Covers interstate luggage that is stolen, damaged or lost, up to $500 per item and a total of $1,500. A $300 excess applies. The return interstate flight must be charged to the card.
What's covered
- Interstate luggage stolen, damaged or lost
What's not covered
- Items left behind or misplaced
- Sporting equipment while in use
Reimburses essential purchases when your luggage is delayed 12 hours or more on an interstate trip, at $125 per person up to a total of $500. No excess applies. The purchases must be charged to the card.
What's covered
- Essential items bought during an interstate luggage delay
What's not covered
- Amounts already reimbursed by the carrier
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 Qantas Signature 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
Amplify Qantas SignatureThis card4.3/5?
A$370/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 Qantas Signature stacks up against the alternatives
Same 5 coverage dimensions, ranked head-to-head against the cards most Amplify Qantas Signature shoppers also consider.
| Card | This card Amplify Qantas Signature Bank of Melbourne · A$370/yr 4.3/5? | Amplify Qantas Platinum Bank of Melbourne · A$250/yr 4.3/5? | Earth Black Westpac · A$250/yr 4.3/5? | Amplify Platinum Bank of Melbourne · A$175/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 / $1,100 Trigger: 6 hours | 6h / $500 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 Qantas Signature
Real experiences on travel cover, rental excess and activation 15 reviews
AU
AustralianFrequentFlyer
Rental excess cover let me skip the counter upsell
The Rental Vehicle Excess cover will cover your excess in the event of an accident, so there is no need to pay the extra daily charge to the rental company.
AU
AustralianFrequentFlyer
Unclear whether points-booking taxes activate the cover
You need to spend at least $500 on your prepaid travel costs before leaving Australia. If you book on points and only the taxes go on the card, it is not clear that counts, so the cover might not switch on.
AU
AustralianFrequentFlyer
Get activation confirmed in writing before you fly
Send them an email and request confirmation so you have it in writing, because whether taxes on a points booking meet the spend condition is not spelled out.
Emergency · Card assistance line
How to contact Bank of Melbourne Amplify Qantas Signature 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) for Bank of Melbourne
Claims & pre-authorizations
How to make an Amplify Qantas Signature claim
1
Step 1: Call the 24/7 assistance line before treatment where possible
For a medical or evacuation emergency overseas, call Allianz Global Assistance on +61 7 3305 7468 before treatment where you can. Within Australia the emergency line is 1800 227 773. Save both numbers in your phone before you fly.
2
Step 2: Lodge the claim and gather your documents
Lodge online at insurance.agaassistance.com.au/bankmelb or call 1800 091 710. Gather itemised accounts, a property irregularity report for luggage, the rental agreement and repair invoice for a hire-car excess, and receipts for any delay expenses.
3
Step 3: Prove the trip was charged to the card
Include your card statement showing at least $500 of prepaid travel was charged to the Amplify Qantas Signature. Activation is the first thing the insurer checks, so keep this proof with your claim.
FAQ
What people ask about the Bank of Melbourne Amplify Qantas Signature
- The overseas cover switches on when you charge at least $500 of your prepaid travel costs to the Bank of Melbourne Amplify Qantas Signature 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 when the cover would start. Prepaid costs can include your return airfare, airport or departure taxes, accommodation and other prepaid itinerary items. If you book on points and only the taxes hit the card, that may not meet the $500 condition, so check the PDS or email the insurer for written confirmation first.
- Cover extends to the cardholder, their spouse or de facto partner, and dependants who are travelling with the cardholder, once the trip is charged to the card. A dependant means a child under 25 who is not in full-time employment, or a person the cardholder cares for who cannot support themselves. Each traveller has to meet the same $500 spend, return-ticket and under-81 age conditions to be eligible. When a cardholder, spouse and dependant travel together, only one person can claim the cardholder benefits. Always check each traveller against the covered-persons definition in your PDS before relying on the cover.
- It reimburses the excess (the amount the hire company makes you pay towards damage or theft) you are liable for after a hire car is damaged or stolen, 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, with a $300 excess per claim. The Amplify Qantas Signature covers this both overseas, inside the international travel policy, and within Australia through a separate Rental Vehicle Excess in Australia benefit. To qualify, charge the full rental cost to the card and stay within the terms of the rental agreement.
- Claims go through Allianz Global Assistance, the administrator behind this policy, online at insurance.agaassistance.com.au/bankmelb or on 1800 091 710. Lodge the claim as soon as you can, and keep the documents that prove the loss: itemised accounts for medical or delay costs, a property irregularity report from the airline for luggage, the rental agreement and repair invoice for a hire-car excess, and your card statement showing the trip was charged. Some cardholders report clean approvals within a few weeks. Others describe repeated document requests, so lodge early and keep everything dated. For a medical emergency overseas, call the 24-hour line on +61 7 3305 7468 first.
- The biggest gap is activation: if you did not charge at least $500 of prepaid travel to the card, there is no international cover at all. Pre-existing medical conditions are excluded unless they are on the auto-covered list or you have them assessed for a $45 fee, and cover stops once a trip runs past six months. Off-piste skiing, snowboarding and snowmobiling are excluded, though on-piste skiing is covered. There is no mobile phone insurance, no refund or price cover, and no medical cover for domestic trips, since Medicare applies within Australia. Anyone aged 81 or over is not covered overseas.
- Yes. On top of the overseas rental excess in the travel policy, the Amplify Qantas Signature includes a separate Rental Vehicle Excess in Australia benefit. It reimburses the excess you are liable for after a hire car is damaged or stolen within Australia, up to the lesser of the excess in your rental agreement or $5,500, with a $300 excess per claim. You need to charge the entire vehicle rental to the card to be eligible. It does not cover administrative fees the rental company adds, tyres and windscreens that fall outside the agreement excess, or use that breaches the rental agreement.
- Yes, through a separate Interstate Flight Inconvenience benefit that applies when the entire return interstate airfare is charged to the card. It covers domestic flight cancellation up to $3,000, flight delay of 4 hours or more, 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 interstate journey. It is genuine protection for interstate air travel, not a full domestic travel policy, and it does not include extra travel or accommodation expenses from illness on the trip.
- Some are automatically covered, others are not. The policy auto-covers a defined list of stable conditions, such as controlled asthma, hypertension or diabetes, as long as you meet the requirements set out in the PDS. Conditions outside that list, or that do not meet the requirements, are excluded unless you apply for assessment online or by phone and pay a $45 administration fee. If Allianz Global Assistance confirms cover in writing after assessment, your condition is included for that trip. Without that confirmation, any claim arising from the condition can be declined, which is expensive for an overseas medical emergency.
- On-piste skiing and snowboarding are covered under the overseas travel policy at no extra cost, because they are not named in the dangerous-activities exclusion. 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 also not covered while it is in use, so treat expensive gear as uninsured on the slopes. If you plan off-piste or backcountry runs, a dedicated snow travel policy is the safer option. Racing and any activity you are paid more than $1,000 to take part in are excluded too.
- No. The Amplify Qantas Signature does not include mobile phone or screen insurance, so theft of or accidental damage to your phone is not covered. Purchase protection can cover a newly bought phone against theft or accidental damage for four months from purchase, up to $10,000 per item with a $300 excess, but that is a short window, not ongoing phone cover. Once those four months pass, a cracked screen, usually $200 to $600 to repair, or a replacement handset at $1,200 to $2,300, is out of pocket. A standalone mobile insurance policy or your home contents cover is the way to fill this gap.
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