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The American Express® Platinum Reserve
Credit Card

Summary of changes to your Card

The new insurance Terms and Conditions on your American Express® Platinum Reserve Credit 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.


Australian Government Restrictions on Travel (including COVID)

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 book your trip. 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.

Travel Cover & COVID-19

Cover applies for claim events relating to COVID-19 that occur after 1 November 2021 for certain travel, medical and trip cancellation events. Not all claim events are covered.  For full details, please refer to the COVID-19 section within your new Terms and Conditions, which you can find under the New Terms and Conditions tab.


Return Trips Only

You are only eligible for the travel insurance benefits under Sections A – G 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 of the terms, conditions, exclusions and benefit limits that apply, please refer to the new Terms and Conditions here.


It’s also important for you to share this information with any Additional Card Members, at your earliest opportunity.

For claims and general enquiries about the Terms & Conditions, please contact Chubb: 

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.