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
A travel ban is in place for all Australians effective 25 March 2020. Most travel insurance brands will not cover you if you travel against a government warning. If you already have a policy, please contact your insurer directly for more information. We are currently updating our site to reflect the Australian government’s advice. Some travel insurance policies will be temporarily unavailable.
Additional expenses. This can help pay for your accommodation and transport expenses if you suffer an accidental injury or illness that prevents you from continuing your journey.
Loss of income. This can help cover you for lost earnings if you are accidentally injured and can't attend your usual work.
Repatriation of mortal remains. This can cover the reasonable cost of a funeral or cremation incurred overseas or for the cost of returning your remains home.
Personal liability. If you make a mistake, are in an accident and are legally liable to pay compensation for either property or bodily damage or death, Amercian Express will pay the compensation for you.
Rental vehicle excess. If you're involved in an accident in your car hire, and you have to be your rental vehicle excess, American Express will reimburse you for the excess.
Money. American Express will reimburse you for the value of lost or stolen cash, bank notes and money orders up to the maximum limit specified in your policy.
Cancellation Fees. This can cover you for loss of deposits and cancellation charges you might incur if you have to cancel your trip due to unforeseen circumstances.
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.
A. This will depend on a number of factors including:
Your travel destination.
The length of your journey.
The number of people covered under your policy.
The plan you choose and any additional options selected.
A. Cover is only available if:
You are an Australian resident.
Your policy is purchased prior to the commencement of your journey.
Your journey begins and ends in Australia.
A. The following policies are available to people up to 79 years of age:
Luggage and personal effects + Specified items cover
Rental vehicle excess cover
The following policy is available to people up to 84 years of age:
Single: Provides cover to you and dependents that are travelling with you.
Individual: Only provides cover for you and nobody else that is travelling with you.
Family: Provides cover for you, your spouse or de-facto partner and any dependents travelling with you.
A. Each policy is issued with a 14-day cooling off period whereby you can cancel the policy and receive a full refund provided you have not started your trip or are not trying to make a claim or exercise any other right under the policy
A. If you hold an open ticket, you must give an anticipated date of return that falls within a 12-month period. Extensions of cover are subject to American Expresses approval
i) thirty (30); or
ii) forty-five (45); or
iii) sixty (60)
A. Multi-trip policies can be renewed for another 12 months if notice is given at least 30 days before the expiry date that you wish to renew
A. You can purchase your policy up to 12 months prior to your departure
A. No. AMEX travel insurance policies are only available to people currently residing in Australia
A. No. AMEX travel insurance policies are only designed to provide cover for Australians travelling for leisure or business, not for people that work for an employer overseas
A. Yes. Provided you hold a registered Australian Motorcycle Licence
A. Yes. Provided you hold a registered Australian underwater diver licence
A. AMEX will not pay for claims Arising from pregnancy, childbirth or related complications
As Head of Publishing and Editorial for Finder Australia, Zahra Campbell-Avenell leads a team of over 20 journalists and personal finance experts to deliver on Finder's mission to help Australians make better decisions with their money. She has spent the last 10 years working on words that help mobilise people into action. Zahra has a Bachelor’s degree in Anthropology and English from Georgetown University in Washington DC.
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