Credit Card Complimentary Insurance Terms and Conditions FAQs

Eligibility for Cover under the Policy

• How do I qualify for cover?

  For Travel Insurance Cover:

  • you must have a BOQ Specialist Visa Signature Card that is in force (meaning it is not cancelled, suspended or terminated); and
  • you must be 79 or younger when paying for the travel booking; and
  • you are not travelling for more than 90 consecutive days; and
  • you must start and end your trip in Australia; and
  • you are going on 
    • an overseas return trip and pay the full amount of the return flight or cruise for each covered person;
    • a domestic return trip to a destination that is more than 150 km from your home with a minimum 1 night overnight stay and:
      • spend $500 or more on accommodation; or 
      • pay the full amount of the return flight or cruise for each covered person; 

  by charging the payment before the trip departure date to your BOQ Specialist Visa Signature Card and/or use Qantas Points or Velocity Frequent Flyer Points earned on your BOQ Specialist Visa Signature Card.

  For Rental Vehicle Excess Cover:

  • you must have a BOQ Specialist Visa Signature Card that is in force (meaning it is not cancelled, suspended or terminated); and
  • you must be 21 years or older and under 80 years of age when you hire a rental vehicle for less than 30 days;
  • you must be the nominated driver under the rental agreement and have a valid international driving licence or a driver’s licence that permits you to legally drive the rental vehicle; and
  • you must be an Australian resident; and
  • you must have paid for the entire cost of the rental vehicle including the comprehensive insurance on the rental vehicle using your BOQ Specialist Visa Signature Card and/or Qantas Points or Velocity Frequent Flyer Points earned on your BOQ Specialist Visa Signature Card.

   

  For Card Purchase Cover and Buyers Advantage Cover:

  • you must be an Australian resident; and
  • purchase a new  item (not used in any way) from a retailer for personal use using your BOQ Specialist Card. 
• Who is covered for Travel Insurance?

  BOQ Specialist Visa Signature Card Members and Additional Card Members – including their spouse and dependent children.

• Does the Card Member need to be on the trip for their spouse or dependent children to be covered?

  Yes, the spouse and/or dependent children need to be travelling with the Card Member or Additional Card Member on each part of the trip.

• Will I be covered if my trip starts or ends outside of Australia?

  No. Your trip must begin and end in Australia.

• Is there a maximum age on the policy?

  For Travel Insurance Cover you must be 79 years of age or younger when paying for the relevant travel booking.

  For Rental Vehicle Excess Cover, you must be 21 years of age or older and under 80 years of age when you hire and pay for the relevant rental vehicle

• Is there a maximum trip duration for the travel insurance?

  Yes. The maximum trip duration is 90 consecutive days 

COVID-19

• If I am diagnosed with COVID-19 during my overseas trip, will my overseas medical expenses be covered?

  Yes, if you are first diagnosed with COVID-19 while on your overseas trip and require immediate medical treatment, cover is provided for the cost of medical treatment incurred overseas. However, cover does not apply if you were confirmed or diagnosed as COVID-19 positive before your trip began, or you travel against a government issued “Do Not Travel” warning or border closure (even if you have been granted a travel exemption by an Australian government agency to travel).

• If I’m positive with COVID-19 when my trip begins, will I be covered for COVID-19 related medical expenses during my trip?

  No, you’re not covered for medical expenses incurred during your trip if you were diagnosed with COVID-19 before your trip departure. 

• If I become ill with COVID-19 before or during my Trip, will I be able to claim for costs I incur for the Cancellation or Curtailment of my Trip?

  Yes, cover is provided for your costs arising from a necessary and unavoidable trip cancellation or curtailment as a result of you (or your travelling companion) contracting an unforeseen illness (including COVID-19) where:

  • you (or your travelling companion) first contract and are diagnosed with COVID-19 after you make the relevant travel booking; and
  • a treating doctor confirms the illness in writing; and
  • the illness is not a pre-existing medical condition.
• I no longer want to travel because I am worried about the spread of COVID-19. Are my trip cancellation, curtailment or change costs covered?

  No, cover is not available in this scenario. Simply no longer wishing to travel is not covered under the policy.

• If I need to cancel, curtail or change my trip due to a COVID-19 border closure as announced by any departure or destination government, am I covered?

  No, cancellation due to COVID-19 government related travel advisories and/or border closures is not covered.

Pre-existing Medical Conditions

• Are Pre-Existing Medical Conditions covered?

  This policy does not cover any pre-existing medical conditions. If you have a pre-existing medical condition, this cover may not be right for you. Before you meet the eligibility criteria, you should consider whether a medical condition is considered pre-existing based on the definition of ‘Pre-Existing Medical Condition’ in the Terms and Conditions.

Overseas Medical Emergency Expenses Cover

• If I need medical treatment during my overseas trip, will my overseas medical expenses be covered?

  Yes, if you suffer an unforeseen illness or injury on an overseas trip which requires immediate medical treatment, cover is provided for your medical expenses incurred overseas.  It’s important to always check the Terms and Conditions, which amongst other things, excludes claims arising from pre-existing medical conditions and participation in certain sports.

Trip Cancellation and Amendment Cover

• Is cover provided for trip cancellation, curtailment or change due to a natural disaster at my intended travel destination?

  Yes, provided there had been no official published warning (prior to making the relevant booking) that a natural disaster had occurred or was likely to occur. 

• I am unable to obtain my passport, entry visa or other required documentation in time and need to cancel my trip. Is this covered?

  No, failure to hold or obtain all required documentation for your trip is not covered.

• If I need to cancel my trip due to an illness or injury before my departure, am I covered?

  Yes, cover is provided for trip cancellation which is necessary and unavoidable as a result of an unforeseen illness or injury as confirmed by a doctor in writing. The illness or injury must first be contracted or occur after the policy is issued. It’s important to check Terms and Conditions for relevant exclusions to the cover, including exclusions for any pre-existing medical conditions.

Trip Delay Cover

• What happens if my luggage is delayed when checked-in on a flight?

  If your luggage is delayed for 12 hours or more, we will reimburse essential emergency clothing and toiletry expenses incurred (as required for a 24-hour period), up to the benefit amount under ‘Delay of Personal Baggage checked-in on Scheduled Flight’.  If your luggage is delayed for more than 36 hours, you may be eligible to claim for the additional benefit amount under ‘Extended Delay of Personal Baggage checked-in on Scheduled Flight’. 

Other questions

• Is pregnancy covered under the policy?

  The policy provides limited pregnancy cover up to the 23^rd week of your pregnancy under the following sections of the policy:

  1. Overseas medical emergency expenses cover - If you have a sudden and unexpected pregnancy related injury or illness
  2. Trip cancellation and amendment cover - If you have a sudden and unexpected injury or illness arising from your pregnancy that a doctor confirms will prevent you from commencing or continuing the trip.

  There is no cover for costs associated with childbirth or the health of a newborn child, or for claims arising from any pre-existing medical condition (including any medical condition related to a previous pregnancy or if you have experienced pregnancy complications prior to the relevant travel purchase). 

• If my flight is delayed, am I covered?

  Yes. If your flight is delayed for 6 hours or more, we will reimburse additional accommodation expenses (up to the benefit amount under ‘Delayed, cancelled, overbooked or missed onward flight’). If your flight is delayed for more than 30 hours, the limit is increased up to the benefit amount under ’Extended Delayed, cancelled, overbooked or missed onward flight’. 

• What is Chubb Assistance? How does it work?

  Chubb Assistance is an emergency assistance service. Support is available for emergency advice and assistance services 24 hours a day, 7 days a week for medical or other emergencies while on your overseas trip and which are covered by the policy.

  In the event of a medical or similar emergency, simply call our emergency response team on +61 2 8907 5642 to get immediate assistance and help accessing vital services in your local area where covered by the policy.

Retail Item Protection

Eligibility for Retail Item Protection under the Policy

• How do I qualify for cover?

  For Card Purchase Cover and Buyers Advantage Cover:

  • you must have a BOQ Specialist Card that is in force (meaning it is not cancelled, suspended or terminated); 
  • you must be an Australian resident; and
  • purchase a new item (not used in any way) from a retailer for personal use and pay the entire cost using your BOQ Specialist Card. 
• How do I make a claim under the policy?

  You can submit your claim online at www.chubbclaims.com.au

• Further questions?

  Please contact Chubb on 1300 170 180 or email us on boqspecialistenquiries.AU@chubb.com  for any questions you may have.