You are eligible if:

• You’re an Australian resident
• You’re 79 or younger when you make your qualifying travel purchase using your American Express Card
• Your American Express Card Account is active when you book your travel and when you make a claim

Refer to the full Insurance Terms and Conditions located in the “Insurance included with your Card” section below for more details as eligibility criteria varies from Card to Card.

To be covered, your purchase must meet these criteria:

For international return trips

• You’ve paid at least the full amount of the outbound portion of your return flight or cruise using your American Express Card (or its corresponding reward points)

For domestic return trips

• You’ve paid $500 or more on accommodation, or
• You’ve paid for the full amount of the outbound portion of your return flight, cruise, bus or train using your American Express Card (or its corresponding reward points)

Note: American Express Platinum Business Cards do not need to make a qualifying travel purchase (pay for travel purchases) using the Card.

Yes. To be covered, you must use your American Express Card to pay for a qualifying travel purchase. Your Card Account must also be active when you make the booking and when you submit your claim.

What if I only paid for part of my Trip with my Amex Card ?

You're still covered as long as:

• For international travel, you’ve paid the full amount of the outbound ticket of your return flight or cruise
• For domestic travel, you’ve either paid the full amount of the outbound ticket cost of your return flight, cruise, bus or train or spent $500+ on accommodation using your Amex Card.

No. Your cover is automatically activated when you make a qualifying travel purchase using your American Express Card and meet the other eligibility criteria.

• For Consumer Cards, the Card Member and any Additional Card Members connected to the Card Member’s Account and their spouse and/or dependent children
• For Business Cards, the Card Member and any Employee Card Members connected to the Card Member’s Account and their spouse and/or dependent children
• For Corporate Cards, the Card Member and their spouse and/or dependent children

Travel Benefits differ by Card. Please refer to the American Express Travel Insurance Card Product Table.

Please note - only Cards that contain Travel Insurance benefits are shown in the table. If your Card does not appear in this table, it may contain other non-travel related benefits. You should review your Card Insurance Terms and Conditions located in the “Insurance included with your Card” section on this page.

Terms, conditions and exclusions apply (such as maximum age limits, pre-existing medical conditions and cover limits) apply. Refer to the Terms and Conditions specific to your Card for more information. They can be located in the “Insurance included with your Card” section below.

American Express Travel Insurance Card Product Tables

The following is a summary of the complimentary American Express travel insurance benefits. Coverage and exclusions may vary depending on your Card. Some of the things we don’t cover are listed below but they are not exhaustive, so always check your full policy terms and conditions located in the “Insurance included with your Card” section below for details specific to your Card.

Limits, sub-limits, terms, conditions and exclusions apply. Some of the exclusions are any claim resulting from a pre-existing medical condition or for any claim relating to a person 80 years or over (at the time the qualifying travel purchase was made). Refer to the Terms and Conditions specific to your Card for more information which can be located in the “Insurance included with your Card” section below.

Overseas Medical Emergency Expenses

Covers emergency medical expenses if you or your spouse/children need emergency medical care for an injury or illness (including COVID-19) while overseas.

Not covered:

• Costs relating to a pre-existing medical condition (including any repeat prescription costs)
• Travelling for any medical purposes
• Medical expenses incurred in Australia

Trip Cancellation or Changes

Covers non-refundable and unused trip costs if you cancel or change your trip due to specified events like illness or injury including that of a close relative or travelling companion, or natural disaster.

Not covered:

• Cancellation or amendment due to airline schedule issues, except for:
  • Mechanical breakdown of your transport
  • Riot, strike or civil commotion
  • Bad weather
  • Natural disaster
• Cancellation or amendment due to a pre-existing medical condition
• Cancellation or amendment due to any event not listed in the policy
• Cancellation due injury, illness or death of a close relative who’s not an Australian resident
• Costs where a refund, credit note, or voucher has been received or offered for those costs

Travel Inconvenience

Cover for additional costs incurred if your scheduled flight is cancelled or delayed by 4 hours or more, or your baggage is delayed by 6 hours or more at the scheduled destination point.

Not covered:

• Additional transport expenses unless the delay results in you being unable to arrive in time for a special event
• Baggage delays on return flights home
• Purchase of clothing or toiletries that are not reasonably necessary for your trip

Resumption of Long International Trip

If you return to Australia mid-trip due to the death, injury or unforeseen illness of a close relative, you may be covered to resume your trip.

Not covered:

• If the close relative was over 91 or had a terminal illness when you booked your travel

Lost or Damaged Personal Baggage, Valuables, Money and Travel Documents

Covers damage, loss, or theft of belongings or travel documents during your trip.

Not covered:

• Items not reported to authorities (insufficient evidence)
• Valuables or money in checked-in luggage
• Items left unattended in a public place, unless due to an emergency medical, security or evacuation situation

Loss Damage Waiver

Covers your liability if your rental vehicle is stolen or accidentally damaged.

Not covered:

• Damage to other vehicles
• Rentals longer than 31 days

Note: cover will vary depending on whether you have purchased insurance (or waiver cover) for loss or damage to a rental vehicle from the rental company.

Personal Accident / Public Transport Accident

Cover if you're permanently disabled or die due to an accident on your trip.

Personal Liability

Covers your liability if you accidentally damage someone’s property or cause them injury on your trip.

Not covered:

• Damage caused by a vehicle
• Damage caused intentionally

Card Account Balance Waiver

Covers your American Express Card Balance if you claim under Personal Accident Cover / Public Transport Accident Cover

Not covered:

• Any balance overdue for payment by more than 90 days at the time of the accident

It depends on your Card. Refer to the American Express Travel Insurance Card Product Table here 

As the trip duration varies from Card to Card you can also refer to your Card’s full Insurance Terms and Conditions located in the “Insurance included with your Card” section below.

There are exclusions specific to each cover type as well as general exclusions that apply to all cover sections. Some of the general exclusions include, but are not limited to:

• Travelling while not an Australian resident
• Trips that don’t start and end in Australia
• Financial collapse (insolvency) of travel providers, including airline, travel agent, and accommodation provider
• Some sports or high-risk activities (see below for list of excluded sports and activities)
• Claims related to war or terrorism

What sports and activities are NOT covered?

The following activities are not covered:

• abseiling
• American football
• base jumping
• bob sleigh
• boxing
• bungee jumping
• canoeing
• canyoning
• caving
• cave diving
• clay pigeon shooting
• deep sea fishing
• diving
• go-karting
• hang gliding
• heliskiing
• horse jumping
• horse riding
• hot air ballooning
• hunting and hunting on horseback
• ice hockey
• jet biking
• jet skiing
• martial arts
• micro-lighting
• mountain biking off tarmac
• mountaineering mountain-climbing
• motor racing (any form of)
• parachuting
• paragliding
• parascending
• paraskiing
• polo
• professional sports
• quad biking
• rock climbing
• scuba diving deeper than 30 metres
• skidoo
• ski-jumping
• ski-racing
• ski-stunting
• speed, performance or endurance tests
• steeple chasing
• tour operator safari (where You or any tourist will be carrying guns)
• trekking requiring climbing equipment and/or ascending above 3,000 metres from sea level
• war games/paint ball
• white water rafting
• yachting more than 20 nautical miles from the nearest coastline.

If your activity might be considered risky, please check the full list of sports and activities that are not covered, in your Card’s full terms and conditions located in the “Insurance included with your Card” section below.

Yes – except for ski jumping, ski racing, ski stunting, heli-skiing and ice-hockey.

Yes, if:

• You’re licensed to ride a motorcycle in both Australia and the country you’re visiting
• You’re wearing a helmet (including any passengers)
• You’re not racing

Any medical, dental, or physical condition you had before booking your trip. Different exclusions may apply based on how recently the condition occurred—check your policy terms and conditions or details relating to your Card.

Possibly—but we can’t guarantee the level of cover offered by this travel insurance meets all visa requirements. Check your policy Terms and Conditions for full details and compare it to the requirements outlined by the visa authority you are applying to. 

You can download a Confirmation of Insurance Benefit letter here but it only contains your name as an insured traveller and may not be accepted by all authorities.

If you hold an American Express^® Platinum Rewards Credit Card or American Express^® Explorer Business Credit Card , please call Chubb Insurance to get your Confirmation of Insurance Benefits Letter.

Chubb Insurance Australia Limited is the provider of the insurance cover under the American Express Policy.

Submit and track your claim online at: americanexpress.com/australia/claims

Lodging your claim online means we can provide a faster claims handling process. Refer to the documentation requirements section below for a list of documents we’ll need you to send us so we can assess your claim as quickly as possible.

What is the excess on claims?

Some claims have an excess. Check your Card’s Schedule of Benefits in the Insurance Terms and Conditions relating to your Card.

What documents do I need to file a claim?

All claims require you to provide proof you paid for your trip using your American Express Card.

Supporting documents:

Depending on the type of claim you’re raising, you may need to provide the following documents to support your claim: 

Trip delays, cancellation or curtailment

• Confirmation letter from carrier with date, cause, and duration of delay
• Medical certificate for cancellations due to illness or injury

Baggage loss, theft, damage or delay

• Police or incident report(s)
• Receipts for lost, stolen, or damaged items (if you don’t have receipts, the amount covered may be lower)
• Replacement quotes (if applicable)
• Repair quote(s)
• Baggage receipt/delivery confirmation

Loss and theft of travel documents

• Incident report/receipt from embassy, consulate, or relevant authority
• Police or incident report(s)

Medical expenses

• Medical certificate(s) and receipts
• Proof of emergency expenses (if applicable)

Rental Vehicle Excess

• Copy of rental agreement
• Photo of driving licence
• Card statement with final rental company charges
• Written correspondence with rental company
• Final invoice from rental company
• Police report if applicable
• Details of other parties

How do I check my claim status?

American Express doesn't have access to your claim and can't confirm your eligibility for cover, so you’ll need to contact Chubb directly to check the progress on an existing claim.

• Chubb Claims portal: americanexpress.com/australia/claims
• E-mail: cardmemberclaims.au@chubb.com

• Call the 24-hour Chubb Assistance Line: 
• +61 2 9335 3492

As long as you made your qualifying travel purchase using your American Express Card, and you have an American Express Card with insurance benefits at the time you suffer a loss, you may be eligible for cover. If the American Express Card you used for your trip purchase is different to the American Express Card you are using at the time of a claim, we will assess your claim under the Card you were on at the date of loss giving rise to a claim.

Locate your Card below in the “Insurance included with your Card” section. Click on the blue box underneath your Card product that says Insurance Terms and Conditions for the full insurance terms and conditions specific to your Card.