Play Your Cards Right:

Complimentary Credit Card Insurance

Credit Cards are designed to make life easier. From helping to free up your cash flow to earning you rewards points for virtually every dollar you spend. But did you know that many Credit Cards, like those offered by American Express, even offer peace of mind by including a range of insurance benefits? Read on to find out how a Credit Card can offer you protection in a range of circumstances.

The trip of a lifetime: Travel with confidence thanks to Credit Card travel insurance

Depending on the Card you hold, some American Express Credit Cards provide complimentary Domestic and International Travel Insurance¹, when you use your Card to book and pay for your return trip. Offering a range of cover in unexpected situations, like flight cancellations or unforeseeable changes to your itinerary, this means that even if your holiday is suddenly derailed, you can still look forward to those wanderlust experiences. Terms, conditions and exclusions apply (such as maximum age limits, pre-existing medical conditions and cover limits).

If it’s a road trip you’re taking, your Credit Card travel insurance policy may also include rental car insurance, providing cover for loss or damage to a rental vehicle you’ve hired on your trip¹. Of course, the best kind of car rental insurance is the one you don’t have to use - but knowing you’re covered will make that scenic drive even more relaxing. Terms, conditions, limits and exclusions applies.

Dealing with baggage: Protect your belongings when you travel

Your Credit Card insurance policy may also help you out in a jam if your luggage has been lost whilst in transit. Depending on the Card you hold, your Travel Insurance policy may include cover for damage, loss or theft of the contents of your baggage (including cash and documents)¹ when you’ve booked and paid for your return trip with an eligible American Express Card. This may also include cover for devices such as your smartphone and laptop - which means both you and your boss can rest easy if you’re travelling for business rather than pleasure!

Terms, conditions and exclusions apply (such as maximum age limits, pre-existing medical conditions and cover limits).

Emergency calls: medical insurance cover whilst overseas

In the unfortunate circumstance that you become ill or injured whilst travelling overseas, it’s also helpful to know that your Card insurance may also include cover for treatment of medical emergencies that happen whilst you’re away from home.¹That means you can rest easy whilst also getting the rest you need in hospital.

As with any insurance policy, it’s important to familiarise yourself with the terms, conditions, limits and exclusions (such as maximum age limits, pre-existing medical conditions and cover limits) of what’s included with your Credit Card insurance whilst planning your trip. This includes instructions around how the cover is activated and how to submit a claim should you need to do so. Once that’s done, you can sit back, relax and enjoy being one step closer to ticking off that bucket list.

Screen time: catch a lucky break and cover the cost of phone screen repairs

Because none of us can live without our devices, American Express Card Membership even includes Smartphone Screen Cover on eligible Cards - a blessing when we’re all steadily racking up screen time. That means, if your beloved Smartphone screen is accidentally damaged, you can be reimbursed for the cost of the screen repair up to $500 for up to two events a year, when you purchase your phone outright or pay your monthly phone bill with your eligible American Express Card2. A 10% excess applies to the claimed amount and waiting periods may apply.

Shopping Protection: Cover for purchases made online and in-store

Card Refund Cover: Has buyer’s remorse got you experiencing a change of heart about a recent purchase? Card Refund Cover¹ can help you when retailers wont. Depending on the Card you hold, if you’re refused a refund on an unused eligible item, you can be reimbursed for up to $500 for up to 90 days after making the purchase Exclusions, limits and T&Cs apply.

Card Purchase Cover: In the unfortunate event your prized possessions are stolen or accidentally damaged once you’ve brought your new items home, Card Purchase Cover may also help foot the bill for a replacement. As long as the eligible items were purchased with an eligible American Express Card, you can be reimbursed for up to 90 days from the date of purchase.1 Exclusions, limits, excess and T&Cs apply.

Buyer’s Advantage Cover: Why do warranties always run out just as you need them? Buyer’s Advantage Cover¹ is just another way to know you may be covered, extending the manufacturer’s warranty on eligible products for up to 12 months when the item was bought with an eligible American Express Card.

As with all insurance, terms, conditions, exclusions and limits apply for Shopping Protection Cover included with Credit Card insurance. Be sure to read the fine print when planning your next lust-have item.

Summing up and the fine print

Credit Card insurance, specifically that included with many American Express Cards, goes a long way in helping you get bang for your buck and more importantly, peace of mind. From Travel Insurance to Shopping Protection you may be covered for a range of unexpected circumstances and out of pocket expenses.

BUT, before making any important decisions about your next trip or next big purchase, it’s important to understand exactly what’s covered in a Credit Card insurance policy. Familiarising yourself with the terms and conditions, limits, exclusions and excess amounts will help you understand how this stacks up for you.

Not yet an American Express Card Member? Explore the range of Cards on offer here.

Already a Member? Check out the insurance benefits included with each American Express Card here.

1. Travel Insurance and Shopping Protection. The insurance on American Express Cards is subject to terms, conditions and exclusions (such as maximum age limits, pre-existing medical conditions and cover limits). You must use your American Express Card to pay for your trip in order to be covered under the travel insurance and pay for eligible items for those items to be covered under the retail insurance benefits. It is important you read your American Express Card Insurance Terms and Conditions and consider whether the insurance is right for you. We do not provide advice about the insurance or whether it is appropriate for your objectives, financial situation or needs. This insurance is underwritten by Chubb Insurance Australia Limited (ABN 23 001 642 020, AFSL No. 239687) under a group policy of insurance held by American Express Australia Limited (ABN 92 108 952 085, AFSL No. 291313). Access to this insurance is provided solely by reason of the statutory operation of section 48 of the Insurance Contracts Act 1984 (Cth). Card Members are not a party to the group policy, do not have an agreement with Chubb and cannot vary or cancel the cover. American Express is not the insurer, does not guarantee or hold the rights under the group policy on trust for Card Members and does not act on behalf of Chubb or as its agent. American Express is not an Authorised Representative (under the Corporations Act 2001 (Cth)) of Chubb.

American Express Australia Limited (ABN 92 108 952 085). AFSL No. 291313.

® Registered Trademark of American Express Company

2. Smartphone Screen Cover. American Express Insurances are underwritten by Chubb Insurance Australia Limited (ABN 23 001 642 020, AFSL No. 239687) (Chubb) and is subject to the terms, conditions and exclusions contained in the individual American Express Credit Card Insurances policy between American Express and Chubb. This website does not take into account your objectives, financial situation or needs. It is important for you to read the Terms and Conditions and consider the appropriateness of that insurance in relation to your individual requirements.