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American Express Single Trip Travel Insurance

After comprehensive cover for your next trip? Check out American Express Single Trip Travel Insurance

Travel insurance may not be the first item on your list when you are planning a holiday; however, as with all types of insurance cover, it is only when you need it that you realise its true value.

It is essential to take the time to research and compare the various travel insurance plans that are available on the Australian market. You could be travelling far and wide and you would want to know that no matter how far you travel or what events may occur, you are able to access the help and support of your travel insurance provider. With American Express single trip travel insurance, you are covered by a trusted and well-established global financial brand with access to comprehensive cover no matter where you are in the world.

10% Off American Express Travel Insurance

10% off all new American Express Travel Insurance policies purchased online until the 10th of November 2016.

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AMEX Travel Insurance Single Trip

Unlimited cancellation fees and lost deposits

Overseas medical expenses

Luggage and personal effects

Rental vehicle excess

Travel delay expenses

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Who Underwrites American Express Single Trip Travel Insurance?

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American Express Single Trip Travel Insurance is issued and underwritten by ACE Insurance Limited. ACE is an Australian financial services licensee authorised to provide advice in relation to and deal in general insurance products. ACE Group is one of the world’s largest multiline property and casualty insurers. American Express Single Trip Travel Insurance is distributed by American Express Australia Limited®.

What's covered?

American Express single trip travel insurance offers comprehensive cover for when you are travelling to international destinations. Backed by ACE Insurance Limited, you will have access to unlimited medical assistance, 24 hours a day, 7 days a week and unlimited cancellation cover for any non-refundable, unused pre-paid travel costs in the event that you have to cancel your trip for an eligible reason. Single trip travel insurance from American Express also offers new for old replacement on your luggage and personal effects that are lost during your trip.

The key features of American Express single trip travel insurance policy include:

  • Overseas emergency medical and hospital expenses: Unlimited cover for reasonable medical or hospital expenses that you incur whilst travelling due to an illness or injury. American Express travel insurance will also cover your medical expenses until you return to Australia.
  • Overseas emergency medical assistance: Unlimited cover for medical emergency and transportation should you become ill or injured while overseas. In the event that you pass away as a result of your illness or injury, American Express will cover the cost of either your funeral or cremation overseas and/or transporting your remains back to Australia.
  • Cancellation fees and lost deposits: You will be covered for cancellation fees and lost deposits for any pre-paid travel and accommodation arrangements due to circumstances that are outside of your control.
  • Additional accommodation and travel expenses: If you are not able to continue your travel as planned because of illness or injury which requires immediate medical attention, your travel insurance will reimburse additional accommodation and travel expenses.
  • Hospital cash allowance: You will receive a $100 benefit for every day you are hospitalised overseas for more than 48 continuous hours.
  • Accidental death: American Express will pay a death benefit to your beneficiaries if you are injured during your journey and die within 12 months, or a transport carrier you are travelling on during your journey disappears, sinks or crashes and you are presumed dead.
  • Permanent disability: You will receive a benefit if you become permanently disabled within 12 months of an injury sustained during your journey.
  • Loss of income: American Express will provide a benefit payment of $400 per week for 26 weeks if you become unable to perform your regular work due to an injury sustained during your travel. You must have become disabled within 30 days as a direct result of the injury.
  • Travel documents, credit cards, travellers cheques: Your travel insurance reimburse you the replacement costs of any travel documents such as passports, credit cards or travellers cheques that are lost or stolen. You are also protected with coverage for any fraudulent use on your credit cards.
  • Luggage and personal effects: allows you to insure specified items for individual costs, or cover your entire luggage as unspecified. Luggage and personal effects cover reimburses you the replacement cost of your items.
  • Theft of cash: American Express will pay for cash, bank notes, currency notes, postal orders or money orders that are stolen from you while you are travelling, up to a limit of $250 per person or up to a maximum limit of $500 (family plan).
  • Luggage and personal effects (new for old): American Express will cover the cost or value of any personal items that are stolen, accidentally damaged or lost.
  • Luggage and personal effects delay expenses: If your luggage or personal effects are delayed, misdirected or misplaced by your carrier for more than 12 hours, you will be covered for the cost of purchasing essential and personal items, such as clothing, within reason.
  • Travel delay expenses: If you are experiencing a delay to your destination for at least six hours due to circumstances outside of your control, American Express will reimburse the cost to purchase meals and additional accommodation expenses for a daily limit of $375.
  • Alternative transport expenses: If you have to find alternative transport to a wedding, funeral, conference, sporting event, tour or other prepaid travel arrangement, because your scheduled transport is cancelled, your travel insurance will pay for these additional costs.
  • Personal liability: This feature covers you for legal liability and for the payment of compensation in case of death, bodily injury, or physical loss or damage of property as the result of an accident. You are also covered for legal expenses to settle or defend a claim made against you.

Choice of single or family cover

With American Express single trip travel insurance cover, you have the option to choose a single or family plan, which will determine the maximum cover that you have access to for each policy feature. A single plan will cover you and your dependents that are travelling with you, while a family plan provides cover for you, your spouse/de-facto partner and any dependents travelling together with you.

Nominating the geographical region of your journey

You must nominate the geographical region of your intended destination with the American Express single trip travel insurance policy. When you choose the highest geographical region - Region 4, you will be automatically covered for lower geographical regions.

There are 4 geographical regions that are available through the American Express single trip travel insurance plan:

  • Region 1 - Pacific: American Samoa, Ashmore & Cartier Islands, Bali, Christmas Island, Cocos (Keeling) Island, Cook Islands, Fiji, French Polynesia, Guam, Heard Island & McDonald Island, Kiribati, Marshall Island, Micronesia, Nauru, New Caledonia, New Zealand, Niue, Norfolk Island, Northern Mariana Islands, Palau, Papua New Guinea, Pitcairn, Samoa, Solomon Islands, Tokelau, Tonga, Tuvalu, Vanuatu and Wallis & Futuna Islands.
  • Region 2 - Asia: excluding Russia, Japan and Bali.
  • Region 3 - Europe: Europe, Russia and United Kingdom.
  • Region 4 - Worldwide: North, Central and South America (including Hawaii and the Caribbean), Africa, Japan, Middle East, Antarctica and other destinations that are not listed as above.

Cover for pre-existing medical conditions

You will be automatically covered by American Express single trip travel insurance plan if you have a pre-existing medical condition as listed on your policy. American Express will provide cover at no extra cost for 43 pre-existing conditions, provided that you have not been hospitalised for the condition in the past two years.

Some of these pre-existing medical conditions include:

  • Asthma
  • Bell's palsy
  • Carpal tunnel syndrome
  • Cataracts
  • Diabetes type I and II
  • Epilepsy
  • Glaucoma
  • Hiatus hernia
  • High cholesterol
  • High blood pressure
  • Meniere's disease
  • Osteoporosis
  • Pernicious anaemia
  • Sleep apnoea
  • Vitamin B12 deficiency

Make sure that you read the terms and conditions of each pre-existing medical condition and have a clear understanding of what you will or will not be covered for.

How much cover will I get?

The amount of cover you will be eligible for will depend on the policy type you have chosen - single or family cover, which can be found from the following table:

Policy FeaturesBasicEssentialComprehensiveDomestic
Cancellation fees and lost depositsNot applicable$10,0000Unlimited$10,0000
Overseas emergency medical assistanceUnlimitedUnlimitedUnlimitedNot applicable
Overseas emergency medical and hospital expensesUnlimitedUnlimitedUnlimitedNot applicable
Additional travel and accommodation expensesNot applicable$750$1,500Not applicable
Hospital cash allowanceNot applicableNot applicable$6,000Not applicable
Accidental deathNot applicableNot applicable$25,000Not applicable
Loss of incomeNot applicableNot applicable$10,400Not applicable
Travel documents, credit cards and travellers chequesOptional extra$5,000$10,000$5,000
Theft of cashNot applicableNot applicable$250Not applicable
Luggage and personal effects up to the replacement value (new for old)Optional extra$5,000$10,000$5,000
Luggage and personal effects delay expensesNot applicable$250$500$250
Travel delay expensesNot applicable$500$2,000Not applicable
Alternative transport expensesNot applicable$500$2,000Not applicable
Personal liability$1,000,000$2,500,000$5,000,000$5,000,000
Rental vehicle excessOptional ExtraOptional Extra$3000$3000

Additional cover options available

You also have the option to purchase additional cover with your American Express Single Trip Travel Insurance plan if you are looking to secure comprehensive protection for the duration of your trip. These include:

Snow Cover

If you are going away for a ski trip, it may be worth looking into adding snow cover option onto your single trip travel insurance policy. For an additional premium, you will be covered for:

  • Own snow sport equipment - up to $1,500
  • Snow sport equipment hire - up to $1,500
  • Unused winter sports costs - up to $750
  • Piste closure - up to $1,500
  • Bad weather and avalanche closure - up to $750

Golf Cover

Taking some quality time for a tee off at the golf range during your trip? Consider golf cover option to include on your American Express single trip travel insurance plan, which provides cover for:

  • Own golf equipment - up to $1,500
  • Golf equipment hire - up to $1,500
  • Golf green fees - up to $500

Specified Luggage and Personal Effects Cover

You can buy additional cover for your specified personal items of up to $5,000 for an additional premium. This cover is not applicable to jewellery, snow sport equipment, bicycles or water sport equipment (with the exception of surfboards).

Rental Vehicle Excess Cover

Rental vehicle excess cover option of up to $3,000 is available for an additional premium with your single trip travel insurance policy.

How to apply for this policy

To apply for travel insurance with American Express, you must be:

  • Under 80 years of age,
  • An Australian resident,
  • Purchasing the policy before you leave for your trip and
  • your journey must begin and end in Australia.

The American Express single trip travel insurance policy can help you travel with confidence and security, knowing you have a powerful ally on your side and someone to call no matter what happens, anywhere in the world.

If you apply for American Express single trip policy and change your mind about the cover, you have a 14 day cooling off period, during which you can generally receive a full refund of any premiums paid.

Get a Quote for American Express Single Trip Travel Insurance 

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8 Responses to American Express Single Trip Travel Insurance

  1. Default Gravatar
    Sharon | June 26, 2015

    Hi, we have a comprehensive amex travel insurance and want to hire a car in USA. What are we covered for and what should we add to be fully covered?

    • Staff
      Richard | June 29, 2015

      Hi Sharon,

      Thanks for your question. is a comparison service and we are not permitted to provide our users with product advice. This policy does provide $3000 for rental vehicle excess.

      I hope this was helpful,

  2. Default Gravatar
    nai | March 28, 2015

    where can i find out more information about pre existing medical cover for an over 80 year old.


    • Staff
      Richard | March 30, 2015

      Hi Nai,

      Thanks for your question. For clarification on the conditions covered, you’ll need to contact American Express directly, as the treatment of pre-existing conditions vary from person to person.

      I hope this was helpful,

  3. Default Gravatar
    Doreen | February 12, 2015

    what travel insurance is supplied when a tour is paid for using the AMEX card?

    • Staff
      Richard | February 13, 2015

      Hi Doreen,

      Thanks for your question. Unfortunately, the page you are looking at is about the standalone cover and not the complimentary option offed with AMEX credit cards. Please have a look at the page below for more information about that product.
      Whether or not you have cover will depend on you card. For example, if you have the American Express Platinum Edge Credit, cover is effective when You pay the full fare for a trip using that card or with American Express Membership Rewards points.

      I hope this was helpful,

    • Default Gravatar
      Doreen | February 13, 2015

      what status does a CBA gold awards AMEX card have with respect to travel cancellation cover?

    • Staff
      Richard | February 13, 2015

      Hi Doreen,

      Thanks for your question. The CBA Gold Awards Amex provides unlimited cover outside specified events. If you would like to know more about the particular of that policy, please have a look at a copy of the PDS here.

      I hope this was helpful,

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