The American Express®
Platinum Business Card
Summary of changes to your Card
The new insurance Terms and Conditions on your American Express Platinum Business Card will replace your previous Terms and Conditions. The new Terms and Conditions will apply to all claim events occurring on or after 15 March 2022.
Activating your cover remains unchanged. You will gain access to cover simply by holding your valid American Express Platinum Business Card.
Return Trips Only
You are only eligible for the travel insurance benefits under Sections A – L of this Policy for return Trips i.e. trips that begin and end from Your Home or Work in Australia. It does not cover One-Way Trips where You have no plans to return to Australia.
You may need to provide evidence of Your intention to return to Your Home or Your 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 you're covered for and how much you 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.
It’s also important for you to share this information with any Employee Card Members, at your earliest opportunity.
For information about when you will and won’t be covered when travelling in relation to COVID-19, see below:
Domestic Travel
Cover is 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 is provided:
- If, at the time you book, the country you’re travelling to is not subject to a Government ‘Do Not Travel’ warning and the borders are open.
- 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 made your booking.
- 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).
There is no cover for cancellation or postponement of a Special Event.
Please refer to 'Important things to Know About This Policy'.
The following new benefits and increased limits for 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. Capitalised terms are defined and can be found in the T&C’s.
Additional Travel Inconvenience Cover for extended delays
New cover has been added under this section, up to $2,800 for additional accommodation if you're impacted by an extended delay, cancelled, overbooked or missed flight.
Personal Baggage, Money and Travel Documents Cover
The $100 limit for Personal Baggage, Money and Travel Documents Cover for children has been increased and is now $1,000.
Card Refund Cover
Refund Protection Cover is now known as Card Refund Cover.
Card Purchase Cover
- Purchase Protection Cover is now known as Card Purchase Cover.
- Items left unattended in a public place due to a medical emergency, security or evacuation situation will now be covered.
Public Transport Accident Cover
The Transport Accident Cover section now sits under the Personal Accident Cover and is known as Public Transport Accident Cover.
Acts of Terrorism
We’ve extended the Medical Emergency Expenses cover to provide up to $1 million for your medical treatment, accommodation and repatriation (including burial expenses) in the event of you suffering an injury or death due to Acts of Terrorism.
Hijack and Kidnap Cover
New cover has been added under these sections, up to the value of $5,000 for a return economy airfare for your close relative to travel to the location of the kidnapping or hijacking if you are kidnapped or your public transport is hijacked.
Loss Damage Waiver Age Limit
We have increased the age limit which you are able to claim for Loss Damage Waiver Cover related to car hire from 75 to 79 years of age.
Pregnancy
More information has been added under 'Important Things To Know About This Policy', to help you understand what benefits you’re eligible for if travelling while pregnant.
What's covered if you’re travelling overseas while pregnant?
If you're pregnant, you'll be covered for unforeseen emergency medical expenses due to an injury or illness, which occurs more than 8 weeks before your estimated date of delivery. However, any medical expenses relating to actual childbirth or your newborn child won’t be covered. Please see ‘Pregnancy and Childbirth Exclusions’ under General Exclusions in your Policy for full details.
Should you suffer a sudden and unexpected injury or an illness, which is unrelated to your pregnancy, (for example a broken wrist), you’re eligible for cover under Medical Emergency Expenses Cover or Trip Cancellation and Amendment Cover, subject always to the Policy. Please see 'Important Things To Know About This Policy' in the Policy for full details.
No Cover for Competitive Sports
Cover for competitive sporting events where you 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
You're not covered for claims relating to accidents where you’re 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.
No Cover for Money stored within personal luggage
You’re not covered for the loss of any money within your personal baggage that’s checked in or stowed in the luggage hold of an airplane, ship, bus or train. Please see exclusions under Personal Baggage, Valuables, Money and Travel Documents Cover for full details.
No Cover for travelling companions 91 years of age or older
Changes have been made to the Trip Cancellation and Amendment Cover to make it clear that you're not covered for the death, injury or unforeseen illness of your travelling companion if they're 91 years of age or older when you made your booking under Exclusions - Trip Cancellation and Amendment Cover. However, the age limit for close relatives has increased from 80 to 90 years of age.
Cuba Exclusion
We’re clarifying that you’re not covered for any costs with respect to Cuba for any event that may occur during any travel.
Resumption of Long International Trip Exclusion
There is no cover for Resumption of Long International Trip arising from or relating to an epidemic, pandemic or outbreak of infectious disease or virus.
Travel Insurance cover for Employee Card Members
Employee Card Members will continue to be covered under Travel Insurance. It’s your responsibility to tell them about the changes to Travel Insurance. If they’re planning to travel, it’s important they review the Policy before they go to ensure they’re fully covered for all the things they intend to do while on a trip.
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 Card. 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 the 15 March 2022.
Please refer to the 'Key Changes’ tab for the list of key changes. Alternatively, you can access the new Terms and Conditions here.
What do I need to be aware of before booking a trip with regards to COVID-19 under the new terms and conditions effective 15 March 2022?
It's always important you review the policy Terms and Conditions before you travel. Are you planning to Travel domestically or internationally?
If domestic: Your policy includes provisions if you need to amend or cancel your trip because you or your travelling companion, close relative, or a person you are visiting as the main purpose of your trip is diagnosed with COVID-19. However, it excludes cancellation or trip changes due to border closures or travel advisory warnings, or medical expenses related to COVID-19.
If international: Your policy includes provisions if you need to amend or cancel your trip because you or your travelling companion, close relative, or a person you are visiting as the main purpose of your trip is diagnosed with COVID-19, or if you need to amend or cancel your trip as a result of border closures that occur after you make your booking.
For more details, please refer to 'Important Things To Know About This Policy' within the new Terms and Conditions effective 15 March 2022.
Do these changes affect existing travel bookings?
If you have travel booked that is due to conclude before 15 March 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 Card 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.