Cover for overseas medical expenses, emergency medical evacuation, and trip cancellation, curtailment or change, due to your Covid-19 diagnosis. See details above. See details and limitations of cover here.
Provides cover for repatriation/evacuation, cost of overseas emergency medical treatment, emergency dental treatment and extra accommodation costs, in the event of a medical emergency while on your overseas trip. Excludes claims arising from pre-existing medical conditions.
The Policy provides cover if you need to cancel, curtail or change your trip due to certain unforeseen circumstances including injury or illness (excluding pre-existing medical conditions). The Policy also covers trip delay by providing additional hotel accommodation (room only) if your flight is cancelled or extensively delayed (waiting periods apply), as well as cover for lost or damaged personal baggage and travel documents (theft report required, limits and sub-limits apply, excludes items stolen if left unattended in a public place).
We support you with advice and assistance services 24 hours a day, seven days a week for medical or other emergencies while on your overseas trip and which are covered by the policy.
Options include snow sports cover, cruise cover and rental vehicle excess cover (additional premiums apply).
Cover for accidental death, hijack and kidnap cover, and cover for personal liability incurred, while on your overseas trip (excluding liability for use of vehicles or watercraft). Cover also provided for loss of income due to an overseas injury causing temporary total disablement
Travelling against Government advice? We will not cover losses, pay or reimburse any costs, under any section of this Policy, arising from circumstances where: (a) prior to the Issue Date specified on Your Certificate of Insurance in the case of a claim for Cancellation; or (b) prior to You starting a Trip for all other claims under the Policy; an Australian State, Territory or the Federal Government or a government agency (such as DFAT) issued a ‘Do Not Travel’ warning or advising that borders are closed, for the destination You planned to travel to. Please refer to who.int, smartraveller.gov.au, dfat.gov.au or other government sites for further information.
Protect yourself and your belongings when you travel with American Express Travel Insurance. You can choose from a range of plans and cover options.
Our Single Trip policies are designed to provide cover for a single trip away. You can choose from a number of different plans, such as Essential, Comprehensive or Ultimate.
You can select from a range of optional extra covers to customise your policy. These include Rental Vehicle Excess, Snow Sports Cover and Cruise Cover.
This frequently asked questions (FAQ) document has been prepared to address some frequent coverage queries relating to the American Express Travel Insurance Policy Wording and Product Disclosure Statement (PDS). The FAQs are a summary only, they are not an exhaustive list of the coverage, terms, conditions or exclusions in the Policy.
Limits apply and vary with each plan. Please refer to the Policy Wording and PDS for further information on the terms, conditions and exclusions of the policy.
If I am diagnosed with COVID-19 during my overseas trip, will my overseas medical expenses be covered?
Yes, if you are first diagnosed with COVID-19 while on your overseas trip and require immediate medical treatment, cover is provided for the cost of medical treatment incurred overseas. Except where you were COVID-19 positive when your trip began, or you travel against a government issued “Do Not Travel” warning or border closure.
If I’m positive with COVID-19 when my trip begins, will I be covered for COVID-19 related medical expenses during my trip?
No, you’re not covered for medical expenses incurred during your trip if you were diagnosed with COVID-19 before your departure.
If I become ill with COVID-19 before or during my Trip, will I be able to claim for costs I incur for the Cancellation or Curtailment of my Trip?
Yes, cover is provided for costs arising from a necessary and unavoidable trip cancellation or curtailment as a result of an unforeseen illness (including COVID-19) where:
I no longer want to travel because I am worried about the spread of COVID-19. Are my trip cancellation, curtailment or change costs covered?
No, cover is not available in this scenario. Simply no longer wishing to travel is not covered under the Policy.
If I need to cancel, curtail or change my trip due to a COVID-19 border closure as announced by any departure or destination government, am I covered?
No, cancellation due to COVID-19 government related travel advisories and/or border closures is not covered.
If I am diagnosed with COVID-19 after commencing my trip and subsequently issued with a quarantine order, will I be covered for the quarantine costs?
Yes, additional travel or accommodation expenses incurred are covered (within the benefit limitations) as a result of a mandatory quarantine order by a local government or public health authority. Except where you travel against a government issued “Do Not Travel” warning or border closure.
I have been classified by a public health authority as a close contact with a person diagnosed with COVID-19 and have been required to isolate as a result of this contact. Is there any benefit that I can claim?
No, cover is not available in this scenario.
Do I need to be vaccinated against COVID-19 to be eligible for the COVID-19 cover under this policy?
No, you do not need to have the COVID-19 vaccination to be eligible for cover under this policy. However, you will not be covered for any claim for cancellation, curtailment or trip change where you do not meet the vaccination protocols required by your transport provider or by any government authority (in Australia or at the destination) prior to departure.
Is there an option to purchase COVID-19 Cover on a stand-alone basis?
No, COVID-19 cover is not available on a stand-alone basis.
Are Pre-Existing Medical Conditions covered?
This policy does not cover any pre-existing medical conditions. If you have a pre-existing medical condition, this cover may not be right for you. Before you purchase a policy, you should consider whether a medical condition is considered pre-existing based on the definition of ‘Pre-Existing Medical Condition’ which is found on page 10 of the American Express Travel Insurance Policy Wording and Product Disclosure Statement (PDS).
What is a "Pre-Existing Medical Condition"?
A Pre-Existing Medical Condition generally means any medical or dental condition, illness, injury or disease that you previously required or continue to require treatment for, or that is under investigation at the time the policy is issued. It’s important to check the full definition of “Pre-Existing Medical Condition” on page 10 of the American Express Travel Insurance Policy Wording and Product Disclosure Statement (PDS) before making your purchase, as variable limits and time restrictions apply to specified conditions.
If I need medical treatment during my overseas trip, will my overseas medical expenses be covered?
Yes, if you suffer an unforeseen illness or injury on an overseas trip which requires immediate medical treatment, cover is provided for your medical expenses incurred overseas. It’s important to always check the American Express Travel Insurance Policy Wording and Product Disclosure Statement (PDS), which excludes claims arising from pre-existing medical conditions and participation in certain sports.
Is cover provided for trip cancellation, curtailment or change due to a natural disaster at my intended travel destination?
Yes, provided there had been no official publication (prior to the purchase of the policy) warning that the natural disaster had occurred or was likely to occur. Please note that natural disasters do not include epidemics or pandemics (which are excluded under the policy).
I am unable to obtain my passport, entry visa or other required documentation in time and need to cancel my trip. Is this covered?
No, failure to hold or obtain all required documentation for your trip is not covered.
If I need to cancel my trip due to an illness or injury before my departure, am I covered?
Yes, cover is provided for trip cancellation which is necessary and unavoidable as a result of an unforeseen illness or injury as confirmed by a doctor in writing. The illness or injury must first be contracted or occur after the policy is issued. It’s important to check American Express Travel Insurance Policy Wording and Product Disclosure Statement (PDS) for details on pre-existing medical conditions which are not covered.
Is a video camera (or any other item) on loan or hire for the trip covered?
No, any items loaned, hired or entrusted to you are not covered
What happens if my luggage is delayed by the airline when I’m on my trip?
We will reimburse essential emergency clothing and toiletry expenses incurred (as required for a 24-hour period, up to the benefit amount under ‘Delay of Personal Baggage’ applicable to your chosen plan) if your luggage is delayed for 12 hours or more. If your luggage is delayed for more than 36 hours, the limit is increased up to the benefit amount under ‘Extended Delay of Personal Baggage’ applicable to your chosen plan.
Who is eligible for cover under the policy?
All people covered under the policy must be Australian residents and 79 years of age or younger. You must purchase your policy before your trip commences, and the trip must start and end in Australia.
When can I purchase my American Express Travel Insurance policy?
You can purchase the policy up to 12 months before your trip commences.
Will my policy be valid if I start or end my trip outside of Australia?
No. Your trip must begin and end in Australia for your policy to be valid.
Is there a maximum age on the policy?
Yes. Covered persons must be 79 years of age or younger before the date your policy is issued.
Do I need to undergo a medical examination to apply for the policy?
No. However, please note that pre-existing medical conditions are not covered.
Will I be covered if I purchased the policy after the commencement of my trip?
No. Cover is only applicable if your travel insurance is purchased before you start your trip.
Is there a maximum travel period on the policy?
Yes. The maximum trip duration is 180 consecutive days.
Is pregnancy covered under the policy?
The policy provides limited pregnancy cover. Pregnancy related claims are covered under the following sections of the policy:
There is no cover for costs associated with childbirth or the health of a newborn child, or for claims arising from any pre-existing medical condition (including any medical condition related to a previous pregnancy or if you have experienced pregnancy complications prior to purchasing the policy).
If my flight is delayed, am I covered?
Yes. We will reimburse additional accommodation expenses (up to the benefit amount under ‘Delayed, cancelled, overbooked or missed onward flight’ applicable to your chosen plan) if your flight is delayed for 6 hours or more. If your flight is delayed for more than 30 hours, the limit is increased up to the benefit amount under ’Extended Delayed, cancelled, overbooked or missed onward flight’ applicable to your chosen plan.
Is there a cooling off period?
Yes. You may cancel your policy for any reason within 14 days of issue (cooling-off period). You will receive a full refund of the premium you paid, provided:
What is Chubb Assistance? How does it work?
Chubb Assistance is an emergency assistance service. Support is available for emergency advice and assistance services 24 hours a day, 7 days a week for medical or other emergencies while on your overseas trip and which are covered by the policy. In the event of a medical or similar emergency, simply call our emergency response team on +61 2 8907 5666 to get immediate assistance and help accessing vital services in your local area where covered by the policy
Further Questions?
Please contact Chubb on 1800 139 149 or email us on amextravel.au@chubb.com for any questions you may have.
American Express Travel Insurance is issued and underwritten by Chubb Insurance Australia Limited ABN 23 001 642 020, AFSL № 239687 (Chubb) and distributed by American Express Australia Limited, ABN 92 108 952 085, AFSL № 291313 (American Express). Chubb and American Express only provide general advice 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 and Product Disclosure Statement (PDS). Terms, conditions, exclusions and sub limits apply. The Target Market Determination for this product can be found here. Please take this opportunity to also read the American Express Financial Services Guide (FSG) and Chubb Privacy Statement.
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Single Trip:
You can purchase up to 9 months before your journey commences. Cover for Trip Cancellation and Amendment Cover is provided from the issue date (the date we agree to provide insurance) until the end of your period of insurance, as stated on your certificate of insurance.
All other cover starts from the start date (the date your journey begins) and continues until the end of your period of insurance.
You have fourteen (14) days from the time you are issued your certificate of insurance that you are covered under your policy to decide if this insurance meets your needs.
You may cancel it within the fourteen (14) days cooling-off period. You will receive a full refund of the premium you paid, provided:
If you request to cancel your policy outside the cooling-off period, we may:
This policy does not cover any pre-existing medical conditions. If you have pre-existing medical conditions, this cover may not be right for you. Before you purchase a policy, you should consider whether a medical condition is considered pre-existing based on within this policy.
Yes – the maximum journey period is 180 consecutive days.
Chubb Assistance is a 24 hour emergency help line. In the event of a medical or similar emergency overseas, you simply call (reverse charge) the number shown on the card (+61 2 8907 5666) and Chubb Assistance will assist in locating immediate assistance or vital services in your area.
We support you with emergency advice and assistance services 24 hours a day, seven days a week for medical or other emergencies covered by the policy. Our international resources and global network of skilled medical and travel specialists will be there for you in the event of an overseas emergency, giving you the help and support you need, when and where you need it.
In the event of a medical or similar emergency, simply call our emergency response team on +61 2 8907 5666 to get immediate assistance and help accessing vital services in your local area where covered by the policy.
If you are or become pregnant after the issue date on your certificate of insurance, you are covered for claims that arise from your pregnancy, under:
We’ve got you covered for COVID-19
This policy provides cover for costs incurred from having to cancel, curtail or change your trip because you contract COVID-19 and it is first diagnosed after the policy is issued. The Policy also provides cover for overseas medical emergency expenses incurred on your overseas trip, and transportation of remains or burial if you die during your trip, as a result of you having contracted COVID-19 which was first confirmed or diagnosed while on Your Trip (unless you were COVID-19 positive when your trip began, or you travel against a government issued “Do Not Travel” warning or border closure).
We do not cover trip cancellation, curtailment or change due to border closures caused by COVID-19. Limits apply and vary with each plan. See the Product Disclosure Statement (PDS) for full terms, conditions and exclusions.