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Our Annual Multi-Trip Policy allows you to select a plan that suits you and your travel needs, providing cover for an unlimited number of journeys over a 12 month period. You can also select from up to thirty (30), forty-five (45) or sixty (60) consecutive days as the maximum duration of any Annual Multi-Trip journey.

What is included?


Exclusions, Limits and Conditions apply to benefits outlined below.

Overseas Medical Assistance

Access to 24 hours a day, every day of the year for Overseas Medical Assistance. This includes unlimited emergency travel assistance, repatriation, access to interpreters and assessment of medical services.
Exclusions apply.

Overseas Medical and Dental Expenses

Unlimited cover for the reasonable and necessary overseas medical, hospital and dental expenses in the Event of an Accidental Injury or Sickness or Disease.
Exclusions apply.

Loss of Deposits and Cancellation Charges

Cover for non- refundable unused portion of travel costs prepaid in advance, including withheld deposits, cancellation charges and reasonable additional expenses.
Exclusions apply.

Luggage, Personal Effects and Travel Documents

If your items are accidentally lost, stolen or damaged while you are travelling, we may reimburse you for the value of the item allowing for reasonable depreciation, repair or replace the item (sub-limits apply).
Exclusions apply.

Delayed Luggage Allowance

Cover for essential emergency items of clothing and other personal items if your baggage is delayed, misdirected or misplaced by your transport provider, for more than twelve (12) hours.
Exclusions apply.

Rental Vehicle Excess Cover

Cover for the excess payable on your rental vehicle’s motor vehicle insurance, if your rental vehicle is stolen or damaged following an accident. We will also cover the cost of returning the vehicle, up to $500, if you are unfit to drive due to an accidental injury or sickness or disease.
Exclusions apply.

Additional Expenses Following Accidental Injury or Sickness or Disease

Cover for additional hotel accommodation and transport expenses incurred by you, your travelling companion or relative if you suffer an accidental injury, sickness or disease that prevents you from continuing your journey, as advised by a Doctor.
Exclusions apply.

Travel Delay Accommodation

Cover for additional meals and accommodation expenses if your pre-booked transport provider is delayed for at least six (6) hours due to unforeseeable circumstances beyond your control (and you cannot claim your additional meals and accommodation expenses from anyone else), up to the maximum amount shown on your certificate of insurance.
Exclusions apply.

What is not covered?


The below is an outline of some of the key general exclusions of American Express Travel Insurance. Before you decide to purchase cover it is important that you review the specific details of exclusion which are set out in the American Express Travel Insurance Policy Wording.
It is also important that you fully understand the terms, conditions, exclusions and limitations which are set out in the American Express Travel Insurance Policy Wording.


 Any Pre-existing medical condition that does not appear in the Approved Medical Condition Table of the Policy Wording
Pregnancy or childbirth (except in limited circumstances)
Participation in unapproved dangerous activities and high-risk sports
Any unlawful act
Suicide or attempted suicide
Acts of war or civil unrest
Change of mind
Lost, stolen or damaged belongings left unattended or unsupervised
Death, illness or bodily injury where reasonable care has not been exercised


About Chubb


Chubb is the world's largest publicly traded property and casualty insurance company. With operations in 54 countries, Chubb provides commercial and personal property and casualty insurance, personal accident and supplemental health insurance, reinsurance and life insurance to a diverse group of clients.


As an underwriting company, we assess, assume and manage risk with insight and discipline. We service and pay our claims fairly and promptly.


The company is also defined by its extensive product and service offerings, broad distribution capabilities, exceptional financial strength and local operations globally. Parent company Chubb Limited is listed on the New York Stock Exchange (NYSE: CB) and is a component of the S&P 500 index. Chubb maintains executive offices in Zurich, New York, London and other locations, and employs approximately 31,000 people worldwide.


More information can be found at

Reach Us


For more information on the
plan inclusions and to view the
benefit table, please refer
to our FAQ section.


Phone Chubb on
0800 743 699
(Monday to Friday 10.30am - 7.00pm NZST)

Terms & Conditions


American Express Travel Insurance is issued and underwritten by Chubb Insurance New Zealand Limited Company Number 104656, Financial Services Provider Number 35924 (Chubb) and distributed by American Express International (NZ) Inc. Company Number 867929, Financial Services Provider Number 43608 (American Express).


Chubb and American Express only provide general information and do not consider your objectives, financial situation or needs. To decide if this product is right for you, please read the American Express Travel Insurance Policy Wording before making any decisions about this product.


Terms, conditions, exclusions and sub limits apply as set out in the policy wording.

Eligibility criteria apply. You must be a New Zealand resident and aged between 18-89 for Single Trip policies (with lower age limits for certain plans) or 18-69 for Annual Trip policies. Terms, conditions, exclusions, maximum age limits, pre-existing medical condition exclusions and limits apply as set out in the American Express Travel Insurance Policy.