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American Express Travel Insurance

Disclaimer:

American Express Travel Insurance is currently not available through travelinsurance.com.au and is included here for information purposes only. You are welcome to visit their website for more information or compare travel insurance options available from us.

American Express Travel Insurance Plans

American Express Travel Insurance is offered as Single Trip or Annual, and these are broken down into Basic, Essential, Comprehensive, and Ultimate Plans for international single trips, Australia (Domestic) single trip plan, and the Annual (Multi-Trip) Plan which offers different benefits for international and domestic travel. The Basic and Essential plans offer a limited set of benefits with lower benefit limits, while Comprehensive and Ultimate offer a full set of benefits, with Ultimate having higher benefit limits for some events than the Comprehensive Plan. American Express travel policies are only available to Australian residents who are at least 18 years old when applying for cover. There are also age limits attached:

  • Single Trip Basic is only available to Australian residents who are aged 69 years and under when applying for cover.
  • Single Trip Essential and Domestic are only available to Australian residents who are aged 79 years and younger when applying.
  • Single Trip Comprehensive and Ultimate are only available to Australian residents aged 84 years and under when taking out cover.
  • Annual (Multi-Trip) cover is limited to Australian residents aged 69 years and younger at the time the cover is taken out.

American Express Travel Insurance also has several optional add-ons such as:

  • Rental Vehicle Excess
  • Luggage Upgrade
  • Winter Sports Cover
  • Golf Cover

but these can only be selected by travellers who are 79 years or younger at the time of applying for any American Express travel insurance.

Summary of American Express Travel Insurance Benefits

Benefit

Single Trip

Annual

International

Australia

International

Within Australia

Basic

Essentials

Comprehensive

Ultimate

Medical Benefits

Overseas Medical Assistance (sub limits apply)

Unlimited

Sub-limit

Up to $1,000,000 for any medical emergency as a result of an act of Terrorism

 

Unlimited

Sub-limit

Up to $1,000,000 for any medical emergency as a result of an act of Terrorism

 

Overseas Medical and Dental Expenses (including Evacuation & Repatriation) (sub limits apply)

Unlimited

Sub-limit

Up to $1,000,000 for any medical emergency as a result of an act of Terrorism

 

Unlimited

Sub-limit

Up to $1,000,000 for any medical emergency as a result of an act of Terrorism

 

Cash in Hospital

 

 

 

 

 

 

 

Daily Amount

 

 

$100 per day

$100 per day

 

$100 per day

 

Maximum Amount

 

 

$6,000

$6,000

 

$6,000

 

Cancellation Benefits

Loss of Deposits and Cancellation Charges

 

$5,000

$10,000

Unlimited

$10,000

Unlimited

$10,000

Travel Agent’s Cancellation Fee (sub limit)

 

$750

$1,500

$1,500

$750

$1,500

$750

Additional Hotel Accommodation and Transport Expenses

 

$25,000

$25,000

Unlimited

 

Unlimited

 

Severe Weather Sub limit

 

$250

$250

$250

 

$250

 

Resumption of Journeys over 21 days

 

$3,000

$3,000

$3,000

 

$3,000

 

Special Events

 

$2,000

$2,500

$2,500

 

$2,500

 

Luggage, Travel Documents and Money Benefits

Luggage, Personal Effects and Travel Documents

$2,500

$5,000

$10,000

$15,000

$5,000

$15,000

$5,000

Camera/ Digital recording device limit (Each item)

$1,500

$1,500

$3,000

$3,000

$1,500

$3,000

$1,500

Laptop/ PC limit (Sub limit)

$1,000

$1,500

$3,000

$3,000

$1,500

$3,000

$1,500

Mobile Phones (Sub limit)

$500

$750

$1,000

$1,250

$1,000

$1,500

$1,000

Any other item limit (Each item)

$250

$500

$750

$1,000

$750

$1,000

$750

Money

 

 

$250

$250

 

$250

 

Delay Benefits

Delayed Luggage Allowance (More than 12 hours)

 

$250

$500

$500

$250

$500

$250

Travel Delay Accommodation

 

$500

$2,000

$2,000

 

$2,000

 

Accidental Death Benefits

Accidental Loss of Life and Permanent Loss

 

 

$25,000

$25,000

 

$25,000

 

Maximum amount for Children:

 

 

 

 

 

 

 

Accidental Loss of Life

 

 

$5,000

$5,000

 

$5,000

 

Permanent Loss

 

 

$5,000

$5,000

 

$5,000

 

Additional Benefits

Repatriation of Mortal Remains

 

$15,000

$15,000

$15,000

 

$15,000

 

Additional expenses following Accidental Injury or Sickness or Disease

 

$50,000

Unlimited

Unlimited

 

Unlimited

 

Personal Liability

$1,000,000

$2,500,000

$5,000,000

$5,000,000

$5,000,000

$5,000,000

$5,000,000

Loss of Income

 

 

 

 

 

 

 

Maximum Weekly Amount

 

 

$400

$400

 

$400

 

Maximum Amount

 

 

$10,400

$10,400

 

$10,400

 

Rental Vehicle

Rental Vehicle Excess

$3,0001

$3,0001

$3,000

$3,000

$3,000

$3,000

$3,000

Return of Rental Vehicle (sub limit)

$500

$500

$500

$500

$500

$500

$500

Luggage upgrade

Upgrade maximum benefit limit for Luggage, Personal Effects and Travel Documents

$5,000

$5,000

$5,000

$5,000

$5,000

$5,000

$5,000

Winter Sports Cover2

Own Winter Sport Equipment

$1,500

$1,500

$1,500

$1,500

$1,500

$1,500

$1,500

Winter Sport Equipment Hire

$1,500

$1,500

$1,500

$1,500

$1,500

$1,500

$1,500

Unused Winter Sports Costs

$750

$750

$750

$750

$750

$750

$750

Piste Closure

$1,000

$1,000

$1,000

$1,000

$1,000

$1,000

$1,000

Weather and Avalanche Closure

$750

$750

$750

$750

$750

$750

$750

Golf Cover2

Golf Equipment

$1,500

$1,500

$1,500

$1,500

$1,500

$1,500

$1,500

Golf Equipment Hire

$1,500

$1,500

$1,500

$1,500

$1,500

$1,500

$1,500

Golf Green Fees

$500

$500

$500

$500

$500

$500

$500

1 Optional Extra, must be requested and reflected on Certificate of Insurance.

2 Not included in any plan by default. You can purchase this cover as a standalone plan or an optional extra, and must be reflected on your Certificate of Insurance.

The benefit limits shown above will vary according to the geographical region or country, coverage type, and plan selected, as specified in your Certificate of Insurance. Subject to the terms, conditions and exclusions as covered in the Product Disclosure Statement (PDS).

Optional Extras and Add-Ons

American Express Travel Insurance offer four optional extras and add-ons, these are:

  • Rental Vehicle Excess – included on all plans by default, except Basic and Essentials. It can be requested for the Basic and Essentials Plan, but this must happen when applying for cover, and it must be stipulated on the Certificate of Insurance. The benefit limit for both Basic and Essential is the same as for all other plans when selected as an optional extra.
  • Luggage Upgrade – all plans include cover for some Luggage, Personal Effects and Travel Documents benefits, but with varying limits. This can be upgraded to a maximum benefit limit, but again, this needs to be selected as an optional extra when taking out cover, and needs to be indicated on the Certificate of Insurance.
  • Winter Sports and Golf Cover – these are not included by default on any plan, and can be purchased as an add-on, or as standalone cover. They offer cover for your own equipment, hired equipment, and for various fees you might have prepaid but are unable to benefit from due to certain circumstances.

Pre-Existing Medical Conditions

American Express travel insurance includes automatic cover for up to 52 pre-existing medical conditions, but only if certain conditions are met. General conditions that apply to all automatically covered pre-existing medical conditions include:

  • That you have not been hospitalised for any reason related to your pre-existing medical condition in the 24 months preceding your purchase of a travel insurance policy, including day surgery or visits to the emergency department.
  • That you are not over the age of 75 years when taking out the policy. This applies to most pre-existing medical conditions that are automatically covered, though some have lower age limits as indicated in the PDS.
  • That you are not taking any blood-thinning prescription medication.

Other pre-existing medical conditions have additional terms and conditions attached to them, but these are all specified in the PDS.

American Express Travel Insurance Claims and Excess

While it is always best to notify American Express Travel Insurance of any event that might necessitate a claim, you have up to 30 days of the event taking place to lodge a claim.

Claims can be submitted online via aceclaim.com/amex/au-en/welcome.aspx, but you should ensure you have all the details of the event, along with supporting documentation when preparing to submit a claim. You can also initiate a claim telephonically by calling 1800 139 149 from within Australia (Monday to Friday, between 9am and 5pm AEST). For overseas emergency assistance you can contact +61 2 8907 5666 24 hours a day, seven days a week.

All claims are subject to an excess, and the value of this excess is specified by you when taking out the policy. A lower excess will result in a higher premium, while a higher excess for each claim will lead to a lower premium. The excess amount will be deducted from any claim amount payable to you.

Contact Details for American Express Travel Insurance

Underwriter

Chubb Insurance Australia Limited (Chubb)

Website

americanexpress.com/au/insurance/travel-insurance/

Email

Amextravel.au@chubb.com

24-hour emergency number

+61 2 8907 5666 (reverse charge from overseas)

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