The Qantas American Express®
Business Credit Card
Summary of changes to your Card
The new insurance Terms and Conditions on your Qantas American Express Business 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.
Return Trips Only
You are only eligible for the travel insurance benefits under Sections B – D 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.
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.
Changes to qualifying travel purchases for Domestic Returns Trips
Your Travel Insurance cover now includes self-drive road trips where you spend $500 or more on accommodation on your American Express Card. A Domestic Return Trip must be over 150kms radius away from Your Home or Your Work. Please see Eligibility Table section of the Policy for full details.
Business Trip Completion Cover
New cover has been added under this section to cover Alternative Employee Expenses incurred in transporting a substitute person to complete your original business trip, up to $10,000 for additional airfares, up to $3,000 for accommodation and meals and up to $150 for other essential expenses incurred in transporting the Alternative Employee.
Card Account Balance Waiver Cover
Your Travel Insurance now includes Card Account Balance Waiver Cover for the outstanding balance of your Card Account, up to $10,000 should you suffer a loss under Public Transport Accident Cover.
Public Transport Accident Cover
The Transport Accident Cover section now sits under the Personal Accident Cover and is known as Public Transport Accident Cover.
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.
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.
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.
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.