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American Express Travel Insurance

Choose from Annual-Multi Trip or Single Trip policy options and get 24/7 medical cover with AMEX travel insurance.


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AMEX Travel Insurance

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A leading credit card provider throughout the world, these days American Express Australia is also an established travel insurance provider. With comprehensive and basic policies to choose from, as well as annual and single trip cover, they also offer tailor-made packages for those travelling to golf or ski.

Find out below if they have a policy that meets your needs and see how you could save.

Compare American Express travel insurance quotes

warning Finally, some good news! Domestic travel is picking up, so some insurers have started offering cover again 🦘
Just remember, you won't be covered for any pandemic related claims if you do take out domestic travel insurance.
International travel insurance is limited and sometimes unavailable at this point.

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  • You can filter your results to customise your cover!
  • You can choose from Basic, Standard or Comprehensive Cover
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  • You can filter your results to customise your cover!
  • You can choose from Basic, Standard or Comprehensive Cover

Summary of American Express' Comprehensive policy

Overseas Medical and Hospital ExpensesUnlimited
Cancellation and Amendment Fees$1,500
Luggage and Personal Effects$10,000
Maximum Age Limit84

Table updated February 2020

What policies are available?

American Express provide the following travel insurance options:


Available with International and for single trips. Cover includes personal liability, medical assistance, luggage, travel documents and money benefits.


Available with International and for single trips. Cover includes personal liability, medical assistance, some cancellation benefits, luggage travel documents and money benefits.


Available with International and for single trips. Cover includes what's covered in previous plans with higher limits as well as cash in hospital and loss of income benefits.


Available with International and for single trips. Cover includes what's covered in comprehensive but also has a higher luggage, travel documents and money benefits limit.


Available with single trips within Australia, you can get cover for cancellation, lost, stolen or damaged luggage as well as travel delays.

International Annual

You can get unlimited medical, cash in hospital, cancellation cover, delay benefits and more for a 12 month travel period.

Within Australia Annual

This 12 month domestic travel pack comes with cancellation cover, luggage and delay benefits and more. Like other domestic policies, it does not include medical cover.

Amex travel insurance review of policy benefits

Take a look at the table below to compare policy benefits.

Cancellation fees and lost deposits
Overseas emergency medical assistanceUnlimitedUnlimitedUnlimitedUnlimited
Overseas emergency medical and hospital expensesUnlimitedUnlimitedUnlimitedUnlimited
Additional expenses
Hospital cash allowance
$100 per day$100 per day
Accidental death
Loss of income
Travel documents, travellers cheques, credit cards$2,500$5,000$10,000$15,000$5,000
Theft of cash
Luggage and personal effects$2,500$5,000$10,000$15,000$5,000
Luggage and personal effects delay expenses
Personal liability$1,000,000$2,500,000$5,000,000$5,000,000$5,000,000
Rental vehicle excessOptional ExtraOptional Extra$3,000$3,000$3,000

Table was last updated: June 2020

What add-ons are available with American Express?

These are some of the optional extras available with American Express Travel Insurance:

  • Golf Cover. This covers you for your own golf equipment, hire equipment and it will reimburse you for unused golf green fees if you are sick or injured.
  • Rental Vehicle Excess. This can be bought with a standalone single trip policy, covering you if you become liable to pay a rental vehicle excess while your travelling.
  • Luggage upgrade. This allows you to upgrade your maximum benefit limit for your luggage or any personal effects and important travel documents.
  • Snow cover. This can either be taken out as a standalone policy or bundled with other policies, covering you for things like snow sport equipment, piste closure, bad weather and avalanche closure.

What isn't included in this policy?

These general exclusions apply to all American Express Travel Insurance policies and are worth keeping in mind when purchasing a policy. Remember to read your PDS for a full list of general exclusions. You will not be covered for the following:

  • Any pre-existing condition that is not deemed an approved medical condition. You also need to make sure you disclose any relevant pre-existing medical condition
  • Your nerves, anxiety or stress disorders prevents you from completing your journey or results in any changes to your plans
  • Any participation in ski acrobats, stunting, ski jumping, heliskiing, aerial skiing, ski joreing, off-piste skiing, bobsleighing, snow rafting, para-penting
  • An act of Terrorism
  • Any nuclear reaction or contamination
  • Any illegal or unlawful act
  • Costs incurred prior to you being certified by a doctor as unfit to travel, or for any travel undertaken that a doctor has advised against
  • Loss, damage, illness or death if you don't take reasonable care

Amex travel insurance claim and contact details

If you need to make a claim, make sure you do it within 30 days of the event taking place. You will need to complete a claims form and attach any relevant receipts, reports and documentation as well.

Claims and contact details

Emergency assistance: +61 2 8907 5666

Claim method 1: The easiest way is submit your claim online. You will need, your insurance details, contact information, any relevant supporting documents and the intended payee's information.

Claim method 2: Alternatively, you can call 1800 139 149 and they will talk you through the process. You will need the same information as mentioned in the online claims process.

General phone enquiries: Call 1800 139 149 or email

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AMEX Travel Insurance Frequently Asked Questions

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24 Responses

  1. Default Gravatar
    JanOctober 9, 2018

    We are planning a trip to Switzerland and Italy June 2019 for about 3 weeks. My mother has just turned 85 and still lives independently at her home. Would we be covered if during our time away, she passed away and we needed to fly home? She has the normal age related issues but does not have any other issues other than old age. We have heard that a lot of insurers do not cover this. Thanks

    • Avatarfinder Customer Care
      JeniOctober 13, 2018Staff

      Hi Jan,

      Thank you for getting in touch with finder.

      The American Express travel insurance offer cover in case of death of a relative during the trip.

      If you are looking for a travel insurance that can help you recover your cancellation costs including pre-booked tickets and hotels, costs associated with returning home at short notice and costs associated with resuming your journey at a later date due to family/relative emergency at home, please use this PAGE to start comparing your options.

      I hope this helps.

      Please feel free to reach out to us if you have any other enquiries.

      Thank you and have a wonderful day!


  2. Default Gravatar
    DebMarch 19, 2018

    Hi I’m heading to Bali and wondering if your Ultimate policy cover the Volcano if it goes off

    • Default Gravatar
      NikkiMarch 22, 2018

      Hi Deb!

      Thank you for your question.

      You have contacted, a comparison and information service and not actually an American Express Travel Insurance.

      American Express Travel Insurance covers medical emergency expense cover, travel cancellation cover, transport accident cover, travel inconvenience insurance and baggage, money and documentation cover.

      It would be best to contact American Express directly as this would require for you to check the complete coverage of the insurance.

      Hope this helps!

      Best regards,


  3. Default Gravatar
    AkhtarMay 14, 2017

    Is AMEX Travel Insurance available for Cruise travel to an Island within Australia?

    • Avatarfinder Customer Care
      HaroldMay 15, 2017Staff

      Hi Akhtar,

      Thank you for your inquiry.

      According to the American Express Travel Insurance product disclosure statement (PDS), “cover for any cruise travel will be based on Your chosen geographical region.” Meaning that you should be covered by your standard policy. However, you should review the PDS for the exact costs covered for cruise related claims. For more information about the costs covered by AMEX or the definitions related to Australian waters, you should contact them directly.

      I hope this information has helped.


  4. Default Gravatar
    maryApril 10, 2017

    Do you insure travellers age 80 and 93

    • Avatarfinder Customer Care
      ZubairApril 11, 2017Staff

      Hi Mary,

      Thank you for your question.

      You have contacted, a comparison and information service and not actually an American Express Travel Insurance.

      American Express Travel Insurance has different age limits for different policies:

      Ultimate and comprehensive policies have a maximum age limit of 89 years old.
      Essential policy has a maximum age limit of 79 years old.
      Basic policy has a maximum age limit of 69 years old.
      Domestic policy has a maximum age limit of 79 years old.

      If you would like to check which insurers provide cover for 80 and 93 year old travelers, please head to our seniors travel insurance page.

      All the best,

  5. Default Gravatar
    MJSJanuary 29, 2016

    I am a 45yo male and had a stroke just over 12 months ago. Although my stroke was not for medical reasons (I have no risk factors) and I have been advised by my neurologist that everything has healed and I now have no more likelihood of having another stroke than the average person, it is still considered a pre-existing condition by the insurers I have spoken with. Are you aware of any travel insurance policies that would provide me with cover?

    • Avatarfinder Customer Care
      RichardJanuary 29, 2016Staff

      Hi MJS,

      Thanks for your question. Both Cover-More and InsureandGo consider most conditions after a medical assessment. They may be a good starting point.

      I hope this was helpful,

  6. Default Gravatar
    BrianSeptember 20, 2015

    i need at least $250,000 emergency evacuation insurance from Antarctica does your policy cover this ?

    • Avatarfinder Customer Care
      RichardSeptember 21, 2015Staff

      Hi Brian,

      Thanks for your question. is a comparison service and not an insurer. There is no mention of Antarctica on the American Express Travel Insurance website nor in the PDS. Antarctica was covered under Worldwide for their previous policy, so you may want to contact AMEX directly for clarification on this matter.

      I hope this was helpful,

  7. Default Gravatar
    GarySeptember 7, 2015

    Does annual mean 365 day from payment date or from Jan 1 to Dec 31?

    • Avatarfinder Customer Care
      WilliamSeptember 7, 2015Staff

      Hi Gary,

      Thank you for your enquiry. It is 365 days from the policy commencement date, that is the date you select when purchasing cover. It is not from Jan 1 to Dec 31.

      Thanks again and all the best,


  8. Default Gravatar
    lorraineJuly 23, 2015

    flying Melbourne to Singapore 3days there on the 6th dec. the n a cruise for 14 days to Thailand Cambodia Vietnam bali then fremantle do we need separate INSURANCE

    • Avatarfinder Customer Care
      RichardJuly 24, 2015Staff

      Hi Lorraine,

      Thanks for your question. If you are planning on taking out cover with American Express, you will need to purchase additional cover. For more information, please have a look at our Cruise Travel Insurance page.

      I hope this was helpful,

  9. Default Gravatar
    MarkMay 9, 2015

    My wife and I are flying from Sydney to Perth to commence a cruise in December leaving from Fremantle. It is a 15 day cruise to Indonesia and returns to Fremantle. We then plan to spend a week around W.A in the Margaret River are before flying back to Sydney. What is the best policy that will cover our cruise and if necessary our domestic travel as well?

    • Avatarfinder Customer Care
      RichardMay 13, 2015Staff

      Hi Mark,

      Apologies for the delayed reply and thanks for your question. When it comes to cruise cover with AMEX, cover for any cruise travel will be based on your chosen geographical region. Since you’ll be heading to Indonesia, you’ll need international travel insurance. For more information, please have a look at our Cruise Insurance page.

      I hope this was helpful,

  10. Default Gravatar
    terryFebruary 9, 2015

    we have paid for our trip overseas with our gold card I am 70 years old will I be covered and are we covered in Egypt and Turkey with our card we get travel insurance when we pay for our trips thank you

    • Avatarfinder Customer Care
      RichardFebruary 10, 2015Staff

      Hi Terry,

      Thanks for your question. Unfortunately, the page you are currently on refers to the standalone products offered by AMEX and not its complimentary option. For more information about the complimentary cover and its inclusions and exclusions, please have a look at the page below.

      Under the complimentary policy, you ought to be covered for travel in regards to age, they have a maximum age of 80 years old. However, you may want to contact AMEX and find out if the destinations are indeed covered, as both countries have governmental travel warnings.

      I hope this was helpful,

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