American Express Platinum Card Insurance
Complimentary domestic and international travel insurance if You meet the eligibility criteria in the Insurance Terms and Conditions.
For full Insurance Terms and Conditions, please click here.
Provides cover in the event You must Cancel, Curtail or change Your Trip for the following reasons:
- You or Your Travelling Companion suffering an Injury, unforeseen Illness or dying before or during Your Trip;
- A Close Relative suffering an Injury or an unforeseen Illness or dying before or during Your Trip;
- A Natural Disaster has caused devastation to the destination You were intending to travel;
- An Australian State or Territory or the Australian Federal Government or an Australian government agency (such as DFAT – Department of Trade and Foreign Affairs) upgrading a travel advisory to ‘Reconsider your need to travel’ or ‘Do Not Travel’ travel warning or borders closing in respect of the destination You were intending to travel after You:
- meet the eligibility criteria in the case of a Cancellation claim, or
- start Your Trip in the case of a Curtailment or Trip Change.
What is covered?
Non-refundable deposits, excursion costs and unused travel and accommodation costs You have paid in advance.
As with all insurance policies, there are certain exclusions that apply. Some key exclusions under Trip Cancellation and Amendment Cover that You should be aware of
Key exclusions & limitations
- Cancellation, Curtailment or Trip Change due to a Pre-Existing Medical Condition;
- Losses arising from the death, serious injury or acute Illness of any Close Relative or Travelling Companion who is 91 years or older when You first met the eligibility criteria;
- Circumstances where Cancellation, Curtailment or Trip Change was foreseeable, avoidable, unnecessary or within Your control at the time of meeting the eligibility criteria (for Cancellation) or before starting a Trip (for Curtailment or Trip Change);
- Cancellation, Curtailment or Trip Change of a Domestic Return Trip due to border closures, travel advisory warnings or quarantine as a result of an epidemic, pandemic or outbreak of an infectious disease or virus or any derivative or mutation of such viruses.
For full Insurance Terms and Conditions, please click here.
Travel Inconvenience Cover
Provides cover for:
- Delayed flight departure (of four (4) hours or more), flight cancellation, denied flight boarding, missed flight connection
- Six (6) hour luggage delay checked on Scheduled Flight.
The amount of cover varies for each benefit.
Key exclusions & limitations
- Luggage delay on Your arrival back in Your Country of Residence
- The purchase of essential items under luggage delay, which are not immediately necessary for Your Trip
- Your failure to take reasonable measures to save or recover lost luggage
- Your failure to notify the relevant airline authorities of missing luggage at the destination point or to obtain and complete a property irregularity report
Covers loss or damage to a Rental Vehicle.
As with all insurance policies, there are certain exclusions that apply. Some key exclusions under Loss Damage Waiver Cover that You should be aware of:
Key exclusions & limitations
- Any costs arising from driving by persons who do not have a valid driving licence or are not a nominated or specified driver under the Rental Agreement;
- Anyone under the age of 21 or over the age of 79 years of age before You meet the eligibility criteria;
- The rental of trailers or caravans, vehicles for business or commercial use, motorcycles, mopeds, campervans and motor homes;
- Rental Vehicles which are hired for longer than 31 days.
For full Insurance Terms and Conditions, please click here.
Provides cover if Your Personal Baggage, Valuables, Money and Travel Documents are damaged, destroyed, lost or stolen during Your Trip.
As with all insurance policies, there are certain exclusions that apply. Some key exclusions under Personal Baggage, Valuables, Money and Travel Documents Cover that You should be aware of:
Key exclusions & limitations
- Valuables or Money within Your Personal Baggage checked in or stowed in the luggage hold of an airplane, ship, bus or train;
- Valuables and/or Money that are left Unattended in a motor vehicle (unless You have no option other than to leave the items Unattended due to an emergency medical, security or evacuation situation);
- Any Items left Unattended in a Public Place (unless You have no option other than to leave the items Unattended due to an emergency medical, security or evacuation situation);
- Claims where You do not obtain a report from local police, the carrier, tour or transport operator or accommodation provider and You have not taken reasonable steps to obtain one either.
For full Insurance Terms and Conditions, please click here.
Provides cover for Repatriation/Evacuation, cost of overseas Treatment, emergency dental Treatment and reasonable extra accommodation costs in the event of a Medical Emergency while You are on Your International Return Trip, and transportation of Your remains or burial expenses following Your death while on a Trip.
In an emergency:
You should contact Chubb Assistance as soon as reasonably possible when an emergency arises on +61 2 8907 5666 and provide Your American Express Card Account number, as much information as possible and a telephone or fax number where You can be contacted. If Your medical condition prevents You from calling, if possible, someone else should call on Your behalf, such as a relative, Your Travelling Companion, nurse or Doctor.
If You do not make reasonable attempts to call Chubb Assistance before seeking emergency medical treatment, or You chose to seek treatment from a medical service not approved by Chubb Assistance, You may be responsible for some or all of Your medical expenses (to the extent that those medical expenses could otherwise have been reduced through preferred medical providers arranged by Chubb Assistance).
As with all insurance policies, there are certain exclusions that apply. Some key exclusions under Personal Baggage, Valuables, Money and Travel Documents Cover that You should be aware of:
Key exclusions & limitations
- Costs relating to Pre-Existing Medical Conditions;
- Any expenses if you are 80 years of age or older before You meet the eligibility criteria;
- Medical costs if You do not make reasonable attempts to contact Chubb Assistance where You were reasonably able to do so;
- Costs arising from Your participation in Excluded Sports and Activities (for example, horse riding, deep sea fishing, bungee jumping, jet skiing, hot air ballooning and rock climbing). Check the definition of Excluded Sports and Activities in the Definitions section for the full list of excluded activities;
- Medical assistance and expenses if You are eighty (80) years old or over, at any time during the Trip
- Costs arising from or related to Trips where the following advice has been provided prior to starting Your Trip,
- an Australian State or Territory or the Australian Federal Government or an Australian government agency (such as DFAT) has issued a travel advisory warning, advising You to ‘Do Not Travel’ or that borders are closed, for the destination You planned to travel to; or
- a Doctor advised You not to travel.
For full Insurance Terms and Conditions, please click here.
Personal Accident Cover
1. Accidental Death or Permanent Disablement during Your Trip
Cover in the event of Your Accidental Death or Permanent Disablement due to an accident whilst on a Trip.
2. Public Transport Accident Cover
Provides cover for Accidental Death or Permanent Disablement arising:
• While travelling as a passenger on a Public Transport; or
• From exposure and disappearance.
As with all insurance policies, there are certain exclusions that apply. Some key exclusions under Personal Baggage, Valuables, Money and Travel Documents Cover that You should be aware of:
Key exclusions & limitations
- Events which occur whilst travelling on privately hired, rented or chartered transport under part 2 – Public Transport Accident Cover;
- Death caused by illness or natural causes.
For full Insurance Terms and Conditions, please click here.
Provides cover for referral to a local lawyer and advance of emergency legal fees and bail bond whilst on an International Return Trip.
This cover section is available whilst on an International Return Trip only.
As with all insurance policies, there are certain exclusions that apply. Some key exclusions under Personal Baggage, Valuables, Money and Travel Documents Cover that You should be aware of:
Key exclusions and limitations:
- Legal assistance requested within Australia;
- Legal fees or bail bond exceeding the benefit limit as set out in the Insurance Terms and Conditions.
For full Insurance Terms and Conditions, please click here.
Platinum Card Insurance: IMPORTANT INFORMATION: If the unexpected happens on your travels and a medical emergency arises, your first port of call is Chubb Assistance. In the event of an incident and to ensure you get appropriate, and fast, treatment from a doctor who speaks your language, you must call Chubb Assistance on +61 2 9335 3492 or the number on the back of your Card before seeking medical treatment, or you may be responsible for your medical expense costs.
The insurance on American Express Cards is subject to terms, conditions and exclusions (such as maximum age limits, pre-existing medical conditions and cover limits). You must use your American Express Platinum Card to pay for your trip in order to be covered under the travel insurance and pay for eligible items for those items to be covered under the retail insurance benefits. It is important you read the American Express Platinum Card Insurance Terms and Conditions and consider whether the insurance is right for you. We do not provide advice about the insurance or whether it is appropriate for your objectives, financial situation or needs. This insurance is underwritten by Chubb Insurance Australia Limited (ABN 23 001 642 020, AFSL No. 239687) under a group policy of insurance held by American Express Australia Limited (ABN 92 108 952 085, AFSL No. 291313). Access to this insurance is provided solely by reason of the statutory operation of section 48 of the Insurance Contracts Act 1984 (Cth). Card Members are not a party to the group policy, do not have an agreement with Chubb and cannot vary or cancel the cover. American Express is not the insurer, does not guarantee or hold the rights under the group policy on trust for Card Members and does not act on behalf of Chubb or as its agent. American Express is not an Authorised Representative (under the Corporations Act 2001 (Cth)) of Chubb.
*Any costs relating to an act of Terrorism where the Trip has been booked or commenced following a travel advisory warning being issues for the destination You planned to travel do. For the avoidance of doubt, this means any travel advisory warning issued by the Department of Foreign Affairs and Trade (DFAT) where the level of advice is Reconsider Your need to Travel or Do Not Travel for the destination http://smartraveller.gov.au
Please view the full insurance coverage terms and conditions here.
Please note Additional Cards are referred to as Supplementary Cards in some Terms and Conditions and marketing material.