No trip cancellation cover. This benefit is not included with the BOQ Blue card. Prepaid flights, hotels, and tours are not reimbursable if you cancel. A standalone travel insurance policy is required for this coverage.
BOQ Blue travel insurance: what cover does this card actually include?
Bank of Queensland·A$89/year·Visa·Allianz Australia Insurance Limited
0,3/5Independent review · verified August 2026
0,0
0,0
2,6
Our Verdict · Travel Insurance
Our take on travel insurance for the Bank of Queensland Blue
Expert review · Pauline LauroreAuthor of HelloSafe's card insurance reviews
No travel insurance. None at all. Search for BOQ Blue travel insurance and you hit a gap: the card carries some purchase and warranty cover, but nothing for a trip. Picture a cancelled flight to Bali, or a hospital admission in Thailand, and every dollar is yours to carry. Medicare stops at the airport, and a serious overseas admission can run $50,000 to $200,000. Most cardholders assume any Visa quietly insures their travels; this one does not, and the BOQ Complimentary Insurance booklet lists only purchase protection and extended warranty. A standalone travel policy starts at a few dollars a day and covers the cancellation, medical and baggage this card leaves open. If you travel, treat the Blue as a spending card and buy separate cover before you fly.
What works on travel
- No complimentary travel insurance to activate, so there is no spend threshold or registration step that could void a claim
- Visa is accepted overseas, and the card works abroad for everyday spending
- Purchase protection still applies to items bought while travelling, within its 90 day window
Where travel breaks down
- No overseas emergency medical cover: a serious hospital admission abroad can run $50,000 to $200,000, entirely out of pocket
- No trip cancellation or interruption: prepaid flights, hotels and tours are not reimbursable through this card
- No luggage, travel delay or missed connection cover of any kind
- 3.3% international transaction fee applies on overseas and foreign-currency spending
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 Blue Travel Insurance actually cover?
No overseas emergency medical cover. There is no medical assistance line on this card. All medical costs overseas are the cardholder's responsibility. Medicare does not cover you outside Australia, and a serious hospital admission overseas can run $50,000 to $200,000.
No emergency evacuation cover. This benefit is not included with this card. Emergency evacuation costs are entirely the cardholder's responsibility. An air ambulance from Southeast Asia to Australia runs $60,000 to $100,000.
No overseas emergency dental cover. This benefit is not included with this card. Emergency dental treatment overseas is out of pocket.
No hospital cash allowance. This benefit is not included with this card. Incidental costs during an overseas hospital stay are out of pocket.
No trip interruption cover. This benefit is not included with this card. Costs from a trip cut short, return flights and unused hotels, are out of pocket.
No travel delay cover. This benefit is not included with this card. Meals, accommodation, and transport during a delay are the cardholder's responsibility.
No missed connection cover. This benefit is not included with this card. Rebooking costs to reach your destination after a delay are out of pocket.
No early return cover. This benefit is not included with this card. The cost to fly home and resume a trip after a family emergency is out of pocket.
No baggage delay cover. This benefit is not included with this card. Purchases of essential items during a bag delay are out of pocket.
No lost luggage cover. This benefit is not included with this card. Replacement costs for lost or stolen bags are the cardholder's responsibility.
No travel documents cover. This benefit is not included with this card. Replacing a stolen passport or cards overseas is out of pocket.
No personal liability cover. This benefit is not included with this card. Legal liability for injury to others or property damage overseas is uninsured, and claims commonly reach hundreds of thousands of dollars.
No accidental death benefit. This benefit is not included with this card. There is no travel accident lump sum for the cardholder or family.
No loss of income benefit. This benefit is not included with this card. Lost earnings after an overseas injury are not replaced.
No domestic cancellation cover. This benefit is not included with this card. Cancelled interstate flights and prepaid domestic travel are not reimbursed.
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.
No domestic additional expenses cover. This benefit is not included with this card. Extra travel and accommodation on an interstate trip are out of pocket.
No domestic luggage cover. This benefit is not included with this card. Luggage lost or damaged on a domestic trip is not reimbursed.
No domestic luggage delay cover. This benefit is not included with this card. Essential purchases during a domestic bag delay are out of pocket.
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 Blue 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
BlueThis card0.3/5?
A$89/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 Blue stacks up against the alternatives
Same 5 coverage dimensions, ranked head-to-head against the cards most Blue shoppers also consider.
| Card | This card Blue Bank of Queensland · A$89/yr 0.3/5? | Low Fee Platinum Westpac · A$90/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 | 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 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 Queensland Blue
Real experiences with the card, its fees and its complimentary cover 24 reviews
B(
BarbSchro (ProductReview)
Long-time holder, no complaints
Have been using this card for over 20 years with no complaints so far and happy with every aspect of it.
K(
Kathy (ProductReview)
Interest keeps moving at cancellation
there is always a doggy outstanding interest amount that needs to be paid before cancellation. Every day the amount changes.
R(
ross2011 (ProductReview)
Frustrating servicing
Worst Bank to deal with concerning Credit Cards. Please note This Credit Card is actually supplied by and operated by CITIBANK.
Emergency · Card assistance line
How to contact Bank of Queensland Blue assistance?
Purchase protection and extended warranty claims are handled by Allianz Global Assistance for Allianz Australia Insurance Limited.
Australia Claims (Allianz Global Assistance)
1800 072 791
Free call within Australia · Mon to Fri, 8.30am to 5.00pm AEST
Claims by email
cardclaims@allianz-assistance.com.au
Email, monitored during Australian business hours · Mon to Fri
Benefit administrator: Allianz Global Assistance (AWP Australia Pty Ltd) for Bank of Queensland, underwritten by Allianz Australia Insurance Limited. Cards are issued by NAB.
Claims & pre-authorizations
How to make a BOQ Blue 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 cardclaims@allianz-assistance.com.au as soon as possible. Do not contact Bank of Queensland or NAB. For an extended warranty claim, get Allianz approval before you start any repair or replacement, or the payout can be reduced.
2
Step 2: Gather proof of purchase and ownership
Keep the itemised sales receipt and the BOQ card account statement showing the full purchase price was charged to the card. For a theft claim, report it to police and obtain written confirmation. Photograph any damage before it is repaired.
3
Step 3: Submit within the claim windows
Report and lodge documents promptly, as unreasonable delay can reduce what is payable. Claims are assessed and paid in Australian dollars. Neither purchase protection nor extended warranty carries an excess, so an approved claim is paid without a deductible.
FAQ
What people ask about the Bank of Queensland Blue
- No. The BOQ Blue Visa does not include any complimentary international travel insurance. This is confirmed on BOQ's own product page and in the BOQ Credit Cards Complimentary Insurance booklet, which lists only Purchase Protection and Extended Warranty cover. There is no overseas emergency medical, no trip cancellation, no baggage and no rental excess cover on this card. If you are travelling, especially overseas, you need a standalone travel insurance policy, because Medicare does not cover you outside Australia and a serious hospital admission abroad can run $50,000 to $200,000.
- There is nothing to register. Purchase Protection and Extended Warranty apply automatically when you charge the whole purchase price of an eligible item to your BOQ Blue card account. There is no spend threshold and no separate activation step. Because the card carries no travel or rental cover, there is no travel insurance to switch on before a trip. Keep your sales receipts and card statements, since you will need them if you ever claim through Allianz Global Assistance.
- The primary cardholder and any additional cardholders who reside in Australia are covered for eligible items bought entirely on the BOQ Blue card. Purchase Protection also covers items you buy as a gift for a permanent Australian resident. Because there is no travel insurance on this card, there is no spouse, partner or dependent travel cover of the kind you would find on a travel-enabled card. Cover applies to the goods you buy on the card, not to people travelling.
- Purchase Protection covers eligible items you buy entirely on the card against theft, accidental damage or permanent loss for 90 days from the date of purchase. There is no excess, and the total limit is $200,000 per card account in any 12 month period. Jewellery, watches and new works of art are capped at $5,000 per claim. To claim, contact Allianz Global Assistance, then provide the sales receipt and the card statement showing the purchase. Items left behind, lost without explanation, or damaged by wear and tear are not covered.
- Yes. Extended Warranty matches the manufacturer's Australian warranty on eligible items bought on the card, for the same period up to one extra year. The limit is $10,000 per item and $40,000 per card account in any 12 month period, with no excess. There is no cover once the original manufacturer's warranty runs past five years, and the item must have a manufacturer's serial number and a registered Australian warranty. Get Allianz Global Assistance approval before you start any repair or replacement, or the payout may be reduced.
- No. The BOQ Blue does not cover rental vehicle excess, in Australia or overseas. The complimentary insurance booklet covers only Purchase Protection and Extended Warranty, and it excludes motor vehicles. If your hire car is damaged or stolen, the full excess is yours to pay, commonly $2,000 to $5,500 on an Australian hire. If you rent cars regularly, a standalone rental excess policy costs a few dollars a day and covers both Australian and overseas hires that this card does not.
- Claims go through Allianz Global Assistance, not BOQ or NAB. Phone 1800 072 791 within Australia or email cardclaims@allianz-assistance.com.au as soon as possible after the loss. Keep the itemised receipt and the card statement showing the purchase, and for theft, a police report. For an extended warranty claim, get approval before you repair or replace the item. Claims are assessed and paid in Australian dollars, and neither benefit has an excess, so an approved claim is paid without a deductible.
- Yes, if you travel. The BOQ Blue provides no overseas emergency medical cover, no trip cancellation, no baggage and no rental excess. Medicare does not cover you outside Australia, and a serious overseas hospital admission can run $50,000 to $200,000, entirely out of pocket on this card. Even for a domestic trip, there is no cancellation or luggage cover. A standalone travel insurance policy fills every one of these gaps, and it is the sensible companion to this card before any trip.
- No to all three. The BOQ Blue has no travel insurance, so there is no cover for skiing or snowboarding injuries or for any snow-trip cancellation. It also has no mobile phone insurance, so a stolen or cracked handset is not covered, and replacing a flagship phone out of pocket costs $1,200 to $2,300. The only complimentary cover on this card is Purchase Protection and Extended Warranty on items you buy with it. For anything involving travel or a phone, you need separate cover.
Not just Bank of Queensland
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