No trip cancellation cover. This benefit is not included with the BOQ Platinum. Prepaid flights, hotels and tours are not reimbursable if you cancel, so a standalone travel insurance policy is required for that protection.
BOQ Platinum travel insurance: what does the card actually cover?
Bank of Queensland·A$149/year·Visa Platinum
0,3/5Independent review · verified September 2026
0,0
0,0
2,6
Our Verdict · Travel Insurance
Our take on travel insurance for the Bank of Queensland Platinum
Expert review · Pauline LauroreAuthor of HelloSafe's card insurance reviews
No travel insurance. Not anymore. If you are searching for BOQ Platinum travel insurance, the honest answer is that it was switched off for events on or after 15 May 2026. So picture yourself in a hospital in Bali with a $40,000 bill: this card does nothing, because Medicare stops at the airport and there is no overseas medical cover here. Most cardholders assume a Platinum card still carries the old complimentary trip cover, yet the current booklet lists only purchase protection and extended warranty, nothing for travel. A basic standalone travel policy for a short overseas trip starts at a few dollars a day and covers the medical, cancellation and baggage this card once did. If you travel at all, treat the BOQ Platinum as a shopping card and buy a separate travel insurance policy before you go.
What works on travel
- You keep purchase protection and extended warranty, the only complimentary cover the card still carries
- No activation traps or duration caps to track, because there is no travel policy to switch on
Where travel breaks down
- No overseas emergency medical cover: a serious hospital bill abroad, often $50,000 or more, is entirely yours
- No trip cancellation: prepaid flights and hotels are not refundable through the card if you cancel
- No rental vehicle excess and no domestic interstate cover, both removed on 15 May 2026
- No baggage, delay or personal liability cover: every travel mishap is out of pocket
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 Queensland Platinum Travel Insurance actually cover?
What's not covered
- Trip cancellation is not offered under the current booklet (effective 15 May 2026).
No overseas emergency medical cover. The card provides no travel insurance and no 24/7 medical assistance line. All medical costs overseas are the cardholder's responsibility, and Medicare does not cover you outside Australia, where a serious hospital admission can run $50,000 to $200,000.
What's not covered
- Overseas emergency medical cover is not offered under the current booklet (effective 15 May 2026).
No emergency evacuation or repatriation cover. There is no assistance line to arrange or pay for an evacuation. Emergency evacuation costs fall entirely on the cardholder, and an air ambulance from Southeast Asia to Australia runs $60,000 to $100,000.
What's not covered
- Evacuation and repatriation cover is not offered under the current booklet (effective 15 May 2026).
No overseas emergency dental cover. This benefit is not included with the BOQ Platinum. Emergency dental treatment overseas is paid out of pocket.
What's not covered
- Emergency dental cover is not offered under the current booklet.
No hospital cash allowance. This benefit is not included with this card. A daily cash payment during an overseas hospital stay is not provided.
What's not covered
- Hospital cash allowance is not offered under the current booklet.
No additional expenses cover. This benefit is not included with the BOQ Platinum. Costs from a disrupted trip, extra transport and accommodation, are out of pocket.
What's not covered
- Additional expenses cover is not offered under the current booklet.
No travel delay cover. This benefit is not included with this card. Meals, accommodation and transport during a delay are the cardholder's responsibility.
What's not covered
- Travel delay cover is not offered under the current booklet.
No missed connection cover. This benefit is not included with this card. The cost of alternative transport to catch up with a booking is paid out of pocket.
What's not covered
- Alternative transport cover is not offered under the current booklet.
No return home cover. This benefit is not included with the BOQ Platinum. The cost to fly home and resume a trip after a family emergency is out of pocket.
What's not covered
- Return home and resumption cover is not offered under the current booklet.
No baggage delay cover. This benefit is not included with this card. Buying essentials while a bag is delayed is out of pocket.
What's not covered
- Baggage delay cover is not offered under the current booklet.
No lost luggage cover. This benefit is not included with this card. Replacement costs for lost or stolen bags are the cardholder's responsibility.
What's not covered
- Luggage and personal effects cover is not offered under the current booklet.
No travel document cover. This benefit is not included with this card. Replacing a stolen passport or covering fraudulent card use overseas is out of pocket.
What's not covered
- Travel document and cash cover is not offered under the current booklet.
No personal liability cover. This benefit is not included with the BOQ Platinum. Legal liability for injury to others or property damage overseas is uninsured, and such claims commonly reach hundreds of thousands of dollars.
What's not covered
- Personal liability cover is not offered under the current booklet.
No accidental death cover. This benefit is not included with this card. There is no lump-sum travel accident payment for the cardholder or family.
What's not covered
- Accidental death cover is not offered under the current booklet.
No loss of income cover. This benefit is not included with this card. Lost earnings after a travel injury are not compensated.
What's not covered
- Loss of income cover is not offered under the current booklet.
No domestic cancellation cover. This benefit is not included with the BOQ Platinum. Cancelled interstate flights and prepaid domestic bookings are not reimbursable.
What's not covered
- Domestic interstate cover is not offered under the current booklet (effective 15 May 2026).
No domestic flight delay cover. This benefit is not included with this card. Meals and accommodation during an interstate flight delay are the cardholder's responsibility.
What's not covered
- Domestic interstate cover is not offered under the current booklet.
No domestic additional expenses cover. This benefit is not included with this card. Extra costs from a disrupted interstate trip are out of pocket.
What's not covered
- Domestic interstate cover is not offered under the current booklet.
No domestic luggage cover. This benefit is not included with this card. Lost or damaged bags on an interstate trip are the cardholder's responsibility.
What's not covered
- Domestic interstate cover is not offered under the current booklet.
No domestic luggage delay cover. This benefit is not included with this card. Buying essentials during an interstate baggage delay is out of pocket.
What's not covered
- Domestic interstate cover is not offered under the current booklet.
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 Queensland Platinum wins, where it loses
Coverage snapshot for this tab — click any layer to highlight its scores.
Trip cancellation: not covered by this card
Medical fees abroad: not covered by this card
Medical repatriation: not covered by this card
Compare
PlatinumThis card0.3/5?
A$149/yrWith travel insuranceIdeal
Complete coverage · 5.0 / 5Premium card avg.
A$237 avg. annual feeClick a layer to highlight its scores on the radar.
Side-by-side comparison
How the Bank of Queensland Platinum stacks up against the alternatives
Same 5 coverage dimensions, ranked head-to-head against the cards most Platinum shoppers also consider.
| Card | This card Platinum Bank of Queensland · A$149/yr 0.3/5? | Vertigo Platinum St.George · A$99/yr 4.3/5? | Amplify Signature Bank of Melbourne · A$295/yr 4.3/5? | |
|---|---|---|---|---|
Trip cancellation Per person, per trip cap | Not covered Cover this gap → | Unlimited Unlimited (all prepaid) | Unlimited Unlimited | |
Emergency medical Hospital bills abroad | Not covered Cover this gap → | Unlimited Unlimited | Unlimited Unlimited | |
Emergency evacuation Air ambulance + repatriation | Not covered Cover this gap → | Unlimited Unlimited evacuation | Unlimited Unlimited evacuation | |
Trip delay trigger Hours before benefits kick in | Not covered Cover this gap → | 6h / $1,100 Trigger: 6 hours | 6h / $1,100 Trigger: 6 hours | |
Trip interruption Covered amount | Not covered Cover this gap → | Unlimited Extra travel & accommodation | 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 Queensland Platinum
Real experiences on fees, service and the card day to day 4 reviews
A(
arob131 (ProductReview)
Came free with my home loan
Get this card free with my home loan. Did a balance transfer when I got it and no issues.
N(
nessjez (ProductReview)
Back-end systems stuck in the 2010s
BOQ's back-end systems are stuck in the 2010's. New customers must visit a branch to verify ID to activate the card.
N(
nibaba888 (ProductReview)
Bonus points took months to credit
Bonus points taking more than 3 months to be credited, rang couple times and even escalated to complaint department.
Emergency · Card assistance line
How to contact Bank of Queensland Platinum assistance?
Australia Claims & Enquiries
1800 072 791
Enquiries Mon to Fri 8am to 7pm AEST; Claims Mon to Fri 8:30am to 5pm AEST
Claims email
cardclaims@allianz-assistance.com.au
Benefit administrator: Allianz Global Assistance (AWP Australia) for NAB, issuer of BOQ credit cards
Claims & pre-authorizations
How to make a BOQ Platinum purchase protection or warranty claim
1
Step 1: Contact Allianz Global Assistance, not BOQ or NAB
Lodge your claim with Allianz Global Assistance on 1800 072 791 or at cardclaims@allianz-assistance.com.au as soon as reasonably possible. The booklet is clear that you should not contact Bank of Queensland or NAB about a claim.
2
Step 2: Gather proof of purchase and ownership
Keep the itemised receipt or tax invoice, the BOQ Platinum card statement showing the full purchase was charged to the account, and, for warranty claims, the manufacturer's warranty terms. For theft or loss, report it to police as soon as practicable and get written confirmation.
3
Step 3: Submit the completed claim form and wait for assessment
Allianz Global Assistance assesses the claim within 10 business days of receiving a completed claim form and all requested documents, and writes to you within 10 business days if more information is needed. If a decision does not go your way, you can escalate to AFCA for free.
FAQ
What people ask about the Bank of Queensland Platinum
- You cannot, because the BOQ Platinum no longer includes complimentary travel insurance. For events on or after 15 May 2026, the current Policy Information Booklet provides only Purchase Protection and Extended Warranty, with no international or domestic travel cover to activate. Those two retail benefits switch on automatically when you charge the whole purchase price of an eligible item to the card account, so there is no separate registration step. If you are travelling, you now need a standalone travel insurance policy, since nothing on this card will cover overseas medical, cancellation or baggage. Older BOQ guides that describe up to six months of overseas travel insurance refer to a previous booklet that no longer applies.
- The complimentary cover applies to the BOQ Platinum accountholder for items charged in full to the card account. Because the card carries only Purchase Protection and Extended Warranty, cover attaches to eligible purchases, not to travellers, so there is no spouse, partner or dependent-child travel cover to consider. There is also no overseas medical or evacuation cover for anyone. For Purchase Protection, an item bought anywhere in the world, or given as a gift to a permanent Australian resident, can be covered when you paid for it with the card. If you need family travel cover, that has to come from a separate travel insurance policy.
- It does not, because the BOQ Platinum no longer offers rental vehicle excess cover. The hire-car excess benefit, both overseas and within Australia, was removed for events on or after 15 May 2026, so an accident in a hire car leaves the full excess with you, commonly $2,000 to $5,500. The current booklet covers only Purchase Protection and Extended Warranty on retail items, nothing to do with hire cars. If you hire vehicles, take the rental company's excess-reduction cover at the counter or buy a standalone rental excess policy, which covers Australian and overseas hires from a few dollars a day.
- Claims go through Allianz Global Assistance, the administrator behind the policy, on 1800 072 791 or at cardclaims@allianz-assistance.com.au. Do not contact Bank of Queensland or NAB about a claim. Lodge it as soon as reasonably possible and keep proof of purchase and ownership, your card statement showing the full purchase was charged to the account, and, for warranty claims, the manufacturer's warranty terms. Allianz Global Assistance assesses a completed claim within 10 business days of receiving all requested documents. Some claims are approved quickly, others attract repeated document requests, so submit everything dated and complete. If a decision does not go your way, you can escalate to AFCA for free.
- Almost everything travellers look for. There is no overseas or domestic travel insurance, no emergency medical or evacuation cover, no trip cancellation, no baggage or travel delay cover, and no rental vehicle excess, all removed on 15 May 2026. Purchase Protection also excludes items left unattended in public, goods sent unaccompanied, wear and tear, electrical or mechanical breakdown, and anything left in a motor vehicle. Extended Warranty does not cover items whose original manufacturer's warranty runs longer than five years. In short, the card protects eligible retail purchases but leaves every travel risk to a separate policy.
- No. The BOQ Platinum does not include mobile phone or screen insurance. If your handset is lost, stolen or has a cracked screen, the card will not contribute, and a flagship screen repair runs about $200 to $600 while a full replacement can reach $1,200 to $2,300. Purchase Protection can help if a newly bought phone is stolen or accidentally damaged within 90 days of purchase and you charged it to the card, but that is a one-off purchase benefit, not ongoing phone insurance. For ongoing cover, a standalone mobile phone policy or your home contents insurer is the better route.
- No. Because the BOQ Platinum carries no travel insurance at all, there is no cover for skiing, snowboarding or any snow-sports injury, on-piste or off. A medical evacuation off a mountain overseas can cost tens of thousands of dollars, and none of that would be covered by this card. Purchase Protection and Extended Warranty apply to retail items you buy, not to activities or trips. If you are planning a ski holiday in Australia or overseas, you need a dedicated travel insurance policy, ideally one with a snow-sports option, well before you travel.
- Yes. Purchase Protection covers eligible items charged in full to the card against theft, accidental damage or permanent loss for 90 days from the date of purchase. General goods are covered for their full purchase price, while jewellery, watches and new works of art are capped at $5,000 per claim, and the most payable across all claims is $200,000 per card account each 12 months. No excess applies. Items left unattended in public, sent unaccompanied, or left in a vehicle are excluded, so keep new purchases with you and hold on to receipts. Claim within the timeframe set out in the PDS (Product Disclosure Statement).
- Yes. Extended Warranty matches the manufacturer's Australian warranty with an equal extra period, up to a maximum of one additional year, on items charged in full to the card. It pays the lower of the repair cost, the replacement cost or the original purchase price if a covered item breaks down after the manufacturer's warranty ends, up to $10,000 per item and $40,000 per card account each 12 months. There is no cover if the original manufacturer's warranty runs longer than five years, and you must get the insurer's approval before any repair. Keep the receipt and the original warranty terms, as the insurer asks for both.
Not just Bank of Queensland
Other cards worth considering
Platinum is a strong choice — but depending on what you prioritize, one of these may suit you better.
Vertigo Platinum
St.George
Amplify Signature
Bank of Melbourne
Low Fee Platinum
Westpac
Altitude Qantas Black
Westpac
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