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Our Annual Multi-Trip Policy allows you to select a plan that suits you and your travel needs, providing cover for an unlimited number of journeys over a 12 month period. You can also select from up to thirty (30), forty-five (45) or sixty (60) consecutive days as the maximum duration of any Annual Multi-Trip journey.

What is included?


Exclusions, Limits and Conditions apply to benefits outlined below

Overseas Medical Assistance

Helpline assistance available 24 hours a day, every day of the year. Where reasonable and necessary, this includes the arrangement of unlimited emergency travel assistance, repatriation, access to interpreters and assessment of medical services.
Exclusions and Sub-Limits Apply.

Overseas Medical and Dental Expenses

Cover for the reasonable and necessary overseas medical treatment, ambulance transportation, hospitalisation and emergency dental expenses for sound and natural teeth in the event of an Accidental Injury or Sickness or Disease covered by the policy.
Exclusions and Sub-Limits Apply.

Loss of Deposits and Cancellation Charges

Cover for non-refundable unused portion of travel costs prepaid in advance, including withheld deposits, cancellation charges, a travel agent’s cancellation fee and reasonable and necessary incurred additional travel, hotel and out-of-pocket expenses (cover limits apply), because of the unforeseeable death, Accidental Injury or Sickness or Disease of you, your travelling companion, relative or business partner or because of any other unforeseen circumstances outside your control.
Exclusions and Sub-Limits Apply.

Luggage, Personal Effects and Travel Documents

If your items are accidentally lost, stolen or damaged while you are travelling, we may reimburse you for the value of the item allowing for reasonable depreciation, repair or replace the item.
Exclusions and Sub-Limits Apply.

Personal items

Cover for personal items such as laptops and phones with benefits ranging from $1,500 to $3,000 per item depending on your plan level selected (item and category limits apply).
Exclusions apply.

Delayed Luggage Allowance

Cover for essential emergency items of clothing and other personal items if your baggage is delayed, misdirected or misplaced by your transport provider, for more than twelve (12) hours.
Exclusions apply.

Rental Vehicle Excess Cover

Cover for the excess payable on your rental vehicle’s motor vehicle insurance, if your rental vehicle is stolen or damaged following an accident. We will also cover the cost of returning the vehicle, up to $500, if you are unfit to drive due to an accidental injury or sickness or disease.
Exclusions apply.

Additional Expenses Following Accidental Injury or Sickness or Disease

Cover for additional hotel accommodation and transport expenses incurred by you, your travelling companion or relative if you suffer an accidental injury, sickness or disease that prevents you from continuing your journey, as advised by a Doctor.
Exclusions apply.

Travel Delay Accommodation

Cover for additional meals and accommodation expenses if your pre-booked transport provider is delayed for at least six (6) hours due to unforeseeable circumstances beyond your control (and you cannot claim your additional meals and accommodation expenses from anyone else), up to the maximum amount shown on your certificate of insurance.
Exclusions apply.

What is not covered?


The below is an outline of some of the key general exclusions of American Express Travel Insurance. Before you decide to purchase cover it is important that you review the specific details of exclusion which are set out in the American Express Travel Insurance Product Disclosure Statement .


It is also important that you fully understand the terms, conditions, exclusions and limitations which are set out in the American Express Travel Insurance Product Disclosure Statement.


     Any Pre-existing medical condition that does not appear in the Approved Medical Condition Table of the PDS
     Pregnancy or childbirth (except in limited circumstances)
     Participation in unapproved dangerous activities and high-risk sports
     Any unlawful act
     Suicide or attempted suicide
     Acts of war or civil unrest
     Change of mind
     Lost, stolen or damaged belongings left unattended or unsupervised
     Death, illness or bodily injury where reasonable care has not been exercised
     Travel to countries where DFAT has advised against travel and travel to sanctioned countries


This insurance does not apply to the extent that trade or economic sanctions or other laws or regulations prohibit Chubb (a subsidiary of a US company) from providing insurance, including, but not limited to, the payment of claims.  All other terms and conditions of the insurance remain unchanged.


About Chubb


Chubb is the world's largest publicly traded property and casualty insurance company. With operations in 54 countries, Chubb provides commercial and personal property and casualty insurance, personal accident and supplemental health insurance, reinsurance and life insurance to a diverse group of clients.


As an underwriting company, we assess, assume and manage risk with insight and discipline. We service and pay our claims fairly and promptly.


The company is also defined by its extensive product and service offerings, broad distribution capabilities, exceptional financial strength and local operations globally. Parent company Chubb Limited is listed on the New York Stock Exchange (NYSE: CB) and is a component of the S&P 500 index. Chubb maintains executive offices in Zurich, New York, London and other locations, and employs approximately 31,000 people worldwide.


More information can be found at

Reach Us


For more information on the plan inclusions and to view the benefit table, please refer to our FAQ section.


Phone Chubb on
1800 139 149
(Monday to Friday 9am - 5.00pm AEST)