American Express
Card Insurance
Experience the powerful backing
of American Express with complimentary insurance.
Your Card insurance explained
Your American Express® Card may include complimentary domestic and international Travel Insurance, as well as retail insurances like Card Refund and Purchase Cover, and/or Smartphone Screen Cover.
Terms, conditions and exclusions apply (such as maximum age limits, pre-existing medical conditions and cover limits). Use the dropdown menu below for more information.
You should review your Card Insurance T&Cs in the ‘Insurance with your Card’ section below, to understand when you are covered.
If you have Travel Insurance included on your Card - You, any Additional Card Members, your/their spouse and dependent children (aged 25 years or younger) are eligible for domestic or international Travel Insurance. You will need to use your eligible American Express Card or Membership Rewards Points to:
Domestic Travel Insurance:
- Pay $500 or more on accommodation, or,
- Pay the full amount of your outbound ticket for a flight, cruise, bus or train to your destination.
International Travel Insurance:
- Pay the full amount of your outbound ticket for a flight or cruise leaving Australia.
Other important things to know (both domestic and international insurance):
- You must be aged 79 years or younger at the time of the qualifying travel purchase to be eligible for insurance cover.
- Cover only applies to Australian residents
- There is no cover for one-way trips where you have no plans to return to your home or work in Australia.
Other Terms, conditions and exclusions apply (such as maximum age limits, exclusions for pre-existing medical conditions and cover limits).
You should review your Card Insurance T&Cs in the ‘Insurance with your Card’ section below, to understand when you are covered and what you are covered for.
If you have Travel Insurance included with your Card, see below for information about coverage when travelling in relation to COVID-19:
Domestic Travel
Cover may be provided:
- If you need to amend or cancel your trip because you or your travelling companion, close relative or a person you’re visiting for the main purpose of your trip are diagnosed with COVID-19.
Cover is not provided for:
- Cancellation or trip changes due to border closures or travel advisory warnings related to COVID-19; or
- Medical expenses related to COVID-19.
International Travel
Cover may be provided:
- If you need to amend or cancel your trip because you or your travelling companion, close relative or a person you’re visiting for the main purpose of your trip are diagnosed with COVID-19.
- If you need to amend or cancel your trip as a result of border closures or upgraded travel advisory warnings related to COVID-19 that occur after you have booked your trip.
- For medical expenses you incur if you’re diagnosed with COVID-19 during your trip.
Cover is not provided if:
- The country you’re travelling to is subject to a Government 'Do Not Travel' warning or if borders are closed before your trip starts – even if you have an exemption to travel from the Australian government. However, if you need to amend or cancel your trip due to such a situation, the costs of cancellation and amendment are covered if the warning or border closure occurred after you booked and met the eligibility criteria.
Benefit Exclusions
Claims arising from or caused by COVID-19 will not be paid if:
- You're travelling against a treating doctor's advice.
- You travel after the Australian government has issued a ‘Do Not Travel’ warning or despite borders being closed, even if you have received an exemption from the Australian government to travel.
- You receive a refund, credit note or voucher for the amounts you’re claiming (for example, if an airline or hotel provide you with a credit refund).
Please refer to 'Important things to Know About This Policy’ section within your Card Insurance T&Cs.
If your Card has retail insurances - your eligible items are covered when you purchase them using your American Express® Card and/or Membership Rewards® Points.
Cover only applies to Australian residents. Other Terms, conditions and exclusions apply (such as cover limits, waiting periods and excesses).
You should review your Card Insurance T&Cs in the ‘Insurance with your Card’ section below, to understand when you are covered and what you are covered for.
Get your Confirmation of Insurance Benefit Letter
If you are a Card Member who has a Card with Complimentary Travel Insurance and need written confirmation that your American Express® Card includes insurance benefits for border entry purposes, CHUBB Insurance can provide a letter confirming the travel insurance benefit on your Card.
IMPORTANT: This letter is not confirmation that you or anyone else is covered by the policy. To be eligible for cover, you must meet all the eligibility requirements of the policy.
As with all insurance policies - cover is subject to terms, conditions and exclusions (such as maximum age limits, pre-existing medical conditions and cover limits). For more information on eligibility, see the ‘Your Card Insurance Explained’ section above.
It is important that you read your Card Insurance Terms and Conditions before you travel, to determine if you and your travel plans are covered. You can find the Insurance Terms and Conditions in the ‘Insurance with your Card’ section below.
If you hold an American Express® Platinum Rewards Credit Card or an American Express Velocity Gold Card, please call CHUBB Insurance on 1800 236 023 to get your Confirmation of Insurance Benefits Letter.
Please note that the email with your Confirmation of Insurance Benefit Letter could take up to 15 minutes to be received.
Make a claim
In the event of a medical emergency
Should the unexpected occur whilst you’re travelling make sure you contact Chubb Assistance soon as practicable on +612 9335 3492. Chubb Assistance will ensure you receive fast and effective treatment from a doctor who speaks your language. Your claim may be affected should you not contact us as soon as practicable.
Lodge your claim via the Chubb Claim Centre for American Express.
Advise all claims to Chubb within 30 days of a claim event or as soon as reasonably practicable. You must submit all supporting documentation e.g. Medical reports, police reports, declarations, receipts or other such evidence Chubb may request to assist Chubb in the prompt resolution of your claim.
For all other concerns, call the Chubb Claim Centre on +61 2 9335 3492
Insurance included
with your Card
Please click on your Card below to view your insurance.
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 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 your American Express 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.
American Express Australia Limited (ABN 92 108 952 085). AFSL No. 291313.
® Registered Trademark of American Express Company
Small Business Cards
Corporate Cards
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 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 your American Express 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.
For American Express® Westpac Altitude Black and American Express® Westpac Altitude Platinum Cards, The American Express® Westpac Altitude Card insurance is subject to terms, conditions and exclusions (such as maximum age limits, pre-existing medical conditions and cover limits) - see the full terms and conditions available here. You must use your American Express Westpac Altitude Card to prepay $500 of travel costs in order to be covered under the overseas travel insurance. AWP Australia Pty Ltd ABN 52 097 227 177, AFSL 245631 (trading as Allianz Global Assistance) under a binder from the underwriter, Allianz Australia Insurance Limited ABN 15 000 122 850, AFSL 234708, has issued an insurance group policy to Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714 (Westpac). This site does not take into account your objectives or financial situation.
American Express Australia Limited (ABN 92 108 952 085). AFSL No. 291313.
® Registered Trademark of American Express Company