Complimentary insurance with your Credit or Charge Card
Some Credit and Charge Cards can include a range of insurance covers available to Card Members for additional protection.
Depending on the type of American Express Card you have, you may be eligible to get complimentary insurance. This could be Travel Insurance, Smartphone Front Screen Cover or shopping protection. Please note that terms, conditions and exclusions apply (including but not limited to maximum age limits, pre-existing medical conditions and cover limits).
This information is general in nature and does not take into account your objectives, financial situation or needs. Read on to find out more on each insurance benefit, its Terms and Conditions, excess and exclusions applicable.
Complimentary Travel Insurance with your Credit or Charge Card
If you’re planning a trip of a lifetime or a fun break overseas, eligible American Express Cards may provide complimentary Travel Insurance. This can include covers such as:
- Trip Cancellation and Amendment Cover
- Travel Inconvenience Cover
- Personal Baggage, Valuables, Money and Travel Documents Cover
- Overseas Emergency Medical Expenses Cover
Coverage, insured persons and limits vary by Card type.
What are the requirements and the fine prints?
- You need to pay for your return trip with your Card.
- Terms, conditions, cover limits and exclusions apply (including but not limited to age limits when travel is purchased, pre-existing medical conditions and other exclusions).
- Limits and sub-limits apply.
Please always refer to the Card Insurance Terms and Conditions including the ‘Schedule of Benefits’ section for the full details.
Here are some of the Amex Cards that include complimentary Travel Insurance:
- Personal Cards: the Amex Platinum Card1, the Amex Platinum Edge Credit Card2, the Amex Explorer Credit Card3, the Qantas Amex Ultimate Card4, the Qantas Amex Premium Card5, the Amex Velocity Platinum Card6 and the Amex Velocity Escape Plus Card7.
- Business Cards: The Amex Platinum Business Card8, the Amex Business Gold Plus Card9, the Amex Qantas Business Rewards Card10 and the Amex Velocity Business Card11.
Eligible Cards are subject to change. Please refer to the Card Insurance Terms and Conditions for the most up to date list of eligible cards and full details of cover.
Travel Insurance Tips: check your Travel Insurance early when planning your trip to ensure your activities are covered and don’t assume all medical events are included.
Smartphone Front Screen Cover
Accidently smashed your Smartphone screen? With an eligible Amex Card, you may be reimbursed for the cost of front screen repair, up to $500 for two eligible claims per year.
What are the requirements and the fine print?
- You need to purchase your phone outright or pay your monthly phone bill with your eligible Amex Card.
- An excess of 10% of the repair cost applies to the claimed amount. T&Cs apply.
Here are some of the eligible Amex Cards that include Smartphone Front Screen Cover: the Amex Platinum1, the Amex Platinum Edge2, the Amex Explorer3 and the Amex Essential Rewards Cards12.
Smartphone Screen Cover Tips: if your smartphone screen is damaged and needs repair, don’t forget to back up your phone first so you don’t risk losing your data.
Card Purchase Cover
Retail lovers can shop with confidence thanks to the 90-day Card Purchase Cover available on eligible American Express Cards. Eligible purchases made on your Card may be reimbursed for replacement or repair if they are damaged or stolen, up to $2,500 per claim or up to $3,500 per claim depending on the Card you hold.
What are the requirements and the fine print?
- Items are only covered if they are stolen or damaged within 90 days of purchase.
- Exclusions, limits, and a $50 excess apply. Please refer to the Terms and Conditions of your eligible Card to view the full details on Card Purchase Cover.
Here are some of the Amex Cards that include Card Purchase Cover:
- Cards with up to $2,500 per claim: the Amex Platinum Edge2, the Amex Explorer3 and the Amex Essential Rewards12 Cards; the Qantas Amex Personal Cards including the Qantas Amex Ultimate4, the Qantas Amex Discovery13 and the Qantas Amex Premium5 Cards; and the Amex Velocity Platinum6 Card.
Please note that these Cards have a Card Purchase Cover limit of $20,000 in any 365-day period from the first claim.
- Cards with up to $3,500 per claim: the Amex Platinum1 and Amex Platinum Business8 Cards as well as the Velocity Escape Plus Card7.
Please note that the Platinum Cards have a Card Purchase Cover limit of $30,000 in any 365-day period from the first claim and the Velocity Escape Plus Card7 has a Cover limit of $20,000 in any 365-day period from the first claim.
Card Purchase Cover Tips: if something happens to your purchased item, document everything immediately and don’t throw anything away (packaging, broken pieces) as they might be needed.
Card Refund Cover
Card Refund Cover can help you when retailers won’t. If you’re refused a refund on an unused item within 90 days of purchase from an Australian retailer, eligible American Express Cards may provide reimbursement for your purchase up to $500 or up to $1,000 per claim, depending on the Card you hold. No excess applies.
What are the requirements and the fine print?
- You must attempt to return the item to the retailer within 90 days of purchase.
- The eligible purchase must be made on an eligible Amex Card from a retailer in Australia.
- Exclusions and limits apply. Please refer to the Terms and Conditions of your eligible Card to view the full details on Card Refund Cover.
Here are some of the Amex Cards that include Card Refund Cover:
- Cards with up to $500 per claim: the Amex Platinum Edge2, the Amex Explorer3 and the Amex Essential Rewards12 Cards; the Qantas Amex Personal Cards including the Qantas Amex Ultimate4, the Qantas Amex Discovery13 and the Qantas Amex Premium5 Cards; the Amex Velocity Personal Cards including the Amex Velocity Platinum6 and Amex Velocity Escape Plus7 Cards.
Please note that these Cards have a Card Refund Cover limit of $2,000 in any 365-day period from the first claim.
- Cards with up to $1,000 per claim: the Amex Platinum1 and the Amex Platinum Business8 Cards.
Please note that the Platinum Cards have a Card Refund Cover limit of $5,000 in any 365-day period from the first claim.
Card Refund Cover Tips: keep receipts and invoices and don’t delay making your claim to avoid missing strict deadlines. Gather your information proactively, accurately and factually.
Buyer’s Advantage Cover
Because warranties tend to run out right when you need them, Amex Buyer’s Advantage Cover on eligible American Express Cards may extend the manufacturer’s warranty on eligible products for up to an additional 12 months when the item is bought with your Card.
What are the requirements and the fine print?
- The item must be purchased with an eligible Amex Card.
- Exclusions and limits apply. Please refer to the Terms and Conditions of your eligible Card to view the full details on Buyer’s Advantage Cover.
Here are some of the Amex Cards that include Buyer’s Advantage Cover:
- Up to $20,000 per year on the Amex Platinum Card1 and the Amex Platinum Business Card8
- Up to $10,000 per year on the Amex Explorer Card3, the Amex Platinum Edge Card2 and the Amex Velocity Escape Plus Card7
- Up to $7,000 per year on the Amex Essential Rewards Card12
Buyer’s Advantage Cover Tips: if one of your products fails, stop using it and don’t attempt a DIY repair as it can invalidate the warranty.
Choose the Card that best suits you
Premium
Travel
Qantas Frequent Flyer
Velocity Frequent Flyer
Business
1. Platinum Card Insurance.
IMPORTANT INFORMATION : If the unexpected happens on your travels and a medical emergency arises, your first port of call is Chubb Assistance. In the event of an incident and to ensure you get appropriate, and fast, treatment from a doctor who speaks your language, you must call Chubb Assistance on +61 2 9335 3492 or the number on the back of your Card before seeking medical treatment, or you may be responsible for your medical expense costs. 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 Platinum 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 the American Express Platinum 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.
2. Platinum Edge Card Insurance.
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 Platinum Edge Credit 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 the American Express Platinum Edge Credit 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.
3. Explorer Card Insurance.
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 Explorer Credit 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 the American Express Explorer Credit 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.
4. Qantas Ultimate Card Insurance.
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 Qantas Ultimate Credit 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 the American Express Qantas Ultimate Credit 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.
5. Qantas Premium Card Insurance.
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 Qantas Premium Credit 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 the American Qantas Premium Credit 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.
6. Velocity Platinum Card Insurance.
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 Velocity Platinum Credit 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 the American Express Velocity Platinum Credit 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.
7. Velocity Escape Plus Card Insurance.
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 Velocity Escape Plus Credit Card to pay for your trip in order to be covered under the travel insurance and for eligible items for those items to be covered under the retail insurance benefits. It is important you read the American Express Velocity Escape Plus Credit 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.
8. Platinum Business Card Insurance
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 Platinum Business 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 the American Express Platinum Business 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.
9. Business Gold Plus Card Insurance
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 Business Gold Plus 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 the American Express Business Gold Plus 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.
10. Qantas Business Rewards Card Insurance
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 Qantas Business Rewards 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 the American Express Qantas Business Rewards 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.
11. Velocity Business Card Insurance
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 Velocity Business 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 the American Express Velocity Business 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.
12. American Express Essential Rewards Card Insurance
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 Essential Rewards Credit Card to pay for eligible items for those items to be covered under the retail insurance benefits. It is important you read the American Express Essential Rewards Credit 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.
13. Qantas Classic and Discovery Card Insurance
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 Qantas American Express Classic Credit Card or Qantas American Express Discovery Credit Card to pay for eligible items for those items to be covered under the retail insurance benefits. It is important you read the Qantas Discovery and Classic Credit Card Insurance Terms and Conditions here 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.