The American Express®
Business Travel Account
Summary of changes to your Account
The new insurance Terms and Conditions on the American Express Business Travel Account will replace the previous Terms and Conditions. The new Terms and Conditions will apply to all claim events occurring on or after 1 April 2022.
Australian Government Restrictions on Travel
You may, in some circumstances, be covered for costs if you need to amend or cancel your trip due to an Australian State or Territory government or the Australian Federal Government or a government agency (such as ‘DFAT’) issuing a ‘Do Not Travel’ warning, or closing borders, after you meet the eligibility criteria. However, no cover is 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 and you choose to travel anyway. This exclusion applies even if you have an exemption from the Australian government to travel;
- For government travel advisories or border closures related to COVID-19 for Domestic Return Trips.
Return Trips Only
Covered Persons are only eligible for the travel insurance benefits under Sections A – B of this Policy for return Trips i.e. trips that begin and end from their Home or Work in Australia. It does not cover One-Way Trips where the Covered Person has no plans to return to Australia.
Covered Persons may need to provide evidence of their intention to return to their Home or Work where reasonably possible, for example by providing copies of a return ticket, itinerary or schedule, return transfer or accommodation bookings, confirmation of return to Work dates etc.
Summary Only
Information on this page is a summary of the key changes only. The policy wording has also been updated to make it easier to know exactly what Covered Persons are covered for and how much they can claim under the Policy. For full details on the terms, conditions, exclusions and benefit limits that apply, please refer to the new Terms & Conditions here.
For information about who will and won’t be eligible for cover under this policy, see below.
Who is eligible for cover?
Employee or contractors and their accompanying Spouse and Dependent Children are entitled to cover under this Policy, provided their Qualifying Travel Purchase is charged to the American Express Business Travel Account and they meet the eligibility criteria.
For more information, please refer to the Eligibility Table in the Policy.
Age limit
All Covered Persons must be 79 years of age or younger when their Qualifying Travel Purchase is made to be eligible for cover under this Policy.
The following changes to existing cover have been made. Please refer to the ‘Benefits’ section in the Policy for a full overview of the cover, terms, conditions and exclusions that apply.
Changes to qualifying travel purchases for Domestic Returns Trips
Travel Insurance cover now includes self-drive road trips where $500 or more is spent on accommodation on the American Express Business Travel Account. A Domestic Return Trip must be over 150kms radius away from an Covered Person’s Home. Please see Eligibility Table section of the Policy for full details.
Age Limit for Dependent Children
The age limit for Dependent Children has been increased from 22 to 25 years of age.
Please be aware there have also been changes made that may affect your cover when travelling. The below is an outline of some of the exclusions. It is important that you fully understand this policy's terms, conditions and limitations and that you review the specific details of exclusion, which are set out in the Terms and Conditions here.
Aggregate Limit
The total limit which can be claimed under this Policy for a single Event is $11,000,000. Please see the Aggregate Limit of Liability section of the Policy for full details.
No Cover for Pre-Existing Medical Conditions
Covered Persons are not covered for any costs incurred from or relating to any Pre-Existing Medical Conditions. Please see the definition of Pre-Existing Medical Condition in the Definitions Section of the Policy for full details.
No Cover for Competitive Sports
Cover for competitive sporting events where Covered Persons receive prize money or a fee, is now excluded. Please see the definition of Excluded Sports and Activities in the Definitions Section of the Policy for full details.
No Cover while riding a Motorcycle if you’re unlicensed or not wearing a helmet
Covered Persons are not covered for claims relating to accidents where they are riding a motorcycle without a valid motorcycle licence, not wearing a helmet, or exceeding the legal alcohol limit. Please see the General Exclusions in the Policy applicable to all sections.
Cuba Exclusion
We’re clarifying that Covered Persons are not covered for any costs with respect to Cuba for any event that may occur during any travel.
For claims and general enquiries about the Terms & Conditions, please contact Chubb:
Email:CardmemberSupport.AU@Chubb.com
Telephone: 1800 950 797
(Monday to Friday 9am to 5pm AEST)
This insurance is underwritten by Chubb Insurance Australia Limited ABN 23 001 642 020, AFSL No. 239687 (Chubb) under a group policy held by American Express Australia Limited ®, ABN 92 108 952 085, AFSL No. 291313 (American Express). Chubb and American Express only provide general advice and do not consider your objectives, financial situation or needs. Before deciding whether this product is right for you, please read the Terms and Conditions. A copy of American Express Financial Services Guide can be found here.
Eligibility criteria applies. Terms, conditions, exclusions, maximum age limits, pre-existing medical condition exclusions and limits apply as set out in the Terms and Conditions.
What changes are taking place, and why?
There have been some changes made to the Insurance Terms and Conditions included with your Account. They include changes to cover, exclusions, benefit limits, as well as adding new benefits to some Cards. The changes to your policy will come into effect on 1 April 2022.
Please refer to the 'Key Changes’ tab for the list of key changes. Alternatively, you can access the new Terms and Conditions here.
Do these changes affect existing travel bookings?
If you have travel booked that is due to conclude before 1 April 2022, your coverage remains unaffected by this change. Any travel or claim events occurring on or after this date will be subject to the new Terms and Conditions.
I have a refund, credit note, or voucher (for example, if an airline or hotel provided you with a refund) from a previous booking. Will these changes apply if I use the travel refund, credit note, or voucher to book a new trip?
Yes, these changes will apply to a new trip when:
- No claim has been paid by us with respect to the original trip under your American Express policy; and
- The original trip and the new trip to be booked, for which the travel refund, credit note, or voucher was received, had fulfilled the eligibility or activation requirements for your American Express Account at the time of booking that trip; and
- The full value of the new trip was paid in full:
- with the travel refund, credit note, or voucher from the original trip; or
- with a combination of travel refund, credit note, or voucher from the original trip and any other eligible payment method, as applicable.
- Provided that all other Terms and Conditions continue to apply.
Who can I contact for more information on these changes?
For claims and general enquiries about the Insurance Terms and Conditions, please contact Chubb:
- Email:CardmemberSupport.AU@Chubb.com
- Telephone: 1800 950 797
- Overseas Telephone: +61 2 8912 4595
View the new Terms and Conditions here.