The American Express® Qantas Corporate Gold Card
Summary of changes to your Card
The new insurance Terms and Conditions on your American Express Qantas Corporate Gold Card will replace your 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
You are only eligible for the travel insurance benefits under Sections A – H 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.
Where no applicable advisories have been issued by the Australian government or an Australian government agency (such as DFAT) to “Do not travel”, American Express will provide some limited cover related to COVID-19 to help give you the confidence to plan and book your trip. These benefits are designed to help protect you from common scenarios that may occur which could result in you facing unexpected costs.
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 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 met the eligibility criteria.
- 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 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).
Please refer to 'Important things to Know About This Policy'.
For information about who will and won’t be eligible for cover under this policy, see below.
Who is eligible for cover?
The Card Member, their accompanying Spouse and Dependent Children are eligible for cover provided they meet the eligibility criteria outlined in the Policy.
An employee or contractor of the entity participating in the American Express Corporate Card Program is also entitled to limited cover under Section D - Personal Accident Cover & Licensed Transport Accident Cover only, provided their Qualifying Travel Purchase is charged to your American Express Card and they meet the additional eligibility criteria.
For more information, please refer to the Eligibility Table in the Policy.
Accompanying Spouse and Dependent Children
Your Spouse and Dependent Children are eligible for cover under this Policy as long as:
- they accompany you on the Trip,
- your Trip is paid for using your American Express Card; and
- your Spouse and Dependent Children meet the eligibility criteria.
Age limit
All Covered Persons must be 79 years of age or younger when the Qualifying Travel Purchase is made to be eligible for cover under this policy. The age limit for Medical Emergency Expenses Cover has increased from 69 to 79 years of age.
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.
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.
Age Limit for Dependent Children
The age limit for Dependent Children has been increased from 22 to 25 years of age.
Age Limit for Close Relative
The age limit for Close Relatives has increased from 80 to 90 years of age at the time you make your Qualifying Travel Purchase. Please see the Age Limits section of the Policy for further details.
Trip Cancellation & Amendment Cover
Your Travel Insurance now includes Trip Cancellation and Amendment Cover, up to $10,000 for Trip cancellations, curtailments and changes due to unforeseen Events.
Acts of Terrorism
We’ve extended the Medical Emergency Expenses Cover to provide up to $1,000,000 for your medical treatment, accommodation and repatriation in the event you suffer an injury due to an Act of Terrorism.
Medical Emergency Expenses Cover
The maximum limit for Medical Emergency Expenses Cover per Trip has increased from $50,000, to up to $2,500,000. We’ve also extended this section to include expenses if you:
- sustain an Injury during your International Return Trip (except when in Australia); or
- first suffer an Illness during Your International Return Trip (which is not a Pre-Existing Medical Condition).
New cover has also been added under Medical Emergency Expenses Cover:
- Up to $1,200 in total (subject to a daily cap) for Incidental Expenses you may incur as a result of being hospitalised.
- Up to $1,500 for reasonable extra accommodation costs for you and any person who stays or travels with you to provide support or care.
- Up to $1,500 for extra accommodation and $5,000 for a return economy airfare for a friend or Close Relative to travel and stay with you if you are travelling alone and have a medical emergency.
- Up to $1,000 for emergency dental treatment.
- Up to $15,000 for the cremation and transportation of your remains to an airport in your home state, or local burial, in the event of your death during your Trip.
Please see the Medical Emergency Expenses Cover section of the Policy for full details.
Personal Baggage, Valuables, Money and Travel Documents Cover
The maximum limit for Personal Baggage, Valuables, Money and Travel Documents Cover per Trip has increased from $8,000, to up to $10,000. Sub-limits for this section have also changed:
- The limit for a single item or a pair or set of items has increased from $600 to a maximum of $1,000.
- The limit for laptops has increased from $600 to up to $2,500.
- The limit for Money and Travel Documents has decreased from $600 to a maximum of $500.
- The limit for Smartphones has decreased from $600 to a maximum of $250.
The Excess under Personal Baggage, Valuables, Money and Travel Documents Cover has decreased from $120 to $100 per event, except for claims involving laptops, where the Excess will be $250 per event.
Please see the Personal Baggage, Valuables, Money and Travel Documents Cover section of the Policy for full details.
Travel Inconvenience Cover
The limits for Travel Inconvenience Cover have changed:
- The limit for additional expenses arising from delayed, cancelled, overbooked or missed onward flights has decreased from $500 to a maximum of $200.
- The limit for the emergency purchase of essential clothing and toiletries arising from delayed checked-in Personal Baggage has increased from $400 to up to $500.
- The limit for the emergency purchase of additional essential items arising from extended delays of checked-in Personal Baggage has decreased from $1,000 to a maximum of $500.
Please see the Travel Inconvenience Cover section of the Policy for full details.
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 $20,000 should you suffer a loss under Personal Accident Cover & Licensed Transport Accident Cover.
Business Trip Completion Cover
Your Travel Insurance now includes Business Trip Completion Cover for Alternative Employee Expenses incurred in transporting a substitute person to complete your original business trip, up to $20,000 for additional airfares, up to $20,000 for accommodation and meals and up to $500 for other essential expenses incurred in transporting the substitute person.
Personal Accident Cover & Licensed Transport Accident Cover
The Accidental Death and Dismemberment Cover section is moved under Personal Accident Cover & Licensed Transport Accident Cover.
Personal Liability Cover
Your Travel Insurance now includes Personal Liability Cover, up to $1,000,000 in the event you become unintentionally legally liable to pay compensation to someone during your Trip.
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.
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 of 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' for full details.
No Cover for Pre-Existing Medical Conditions
You’re 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.
Vaccination Status
You’re not covered for claims relating to Trip cancellations, curtailments, or changes due to not meeting the vaccination protocols required by a transport provider or an Australian State, Territory or the Australian Federal Government or the government of any destination you had planned to travel to.
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. Please see the Exclusions section under Trip Cancellation and Amendment Cover for full details.
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.
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 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.
What do I need to be aware of before booking a trip with regards to COVID-19 under the new terms and conditions effective 1 April 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 1 April 2022.
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 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