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Wondering if American Express Travel Insurance can be the ideal solution to protect your overseas holiday plans? Read on to know more about the essential features of American Express Travel Insurance offers you should know about.

About American Express

One of the leading international credit card providers, American Express also offers a range of travel insurance policies, including optional extras such as winter sports, golf cover, luggage upgrade and rental vehicle excess. American Express Travel Insurance is issued and underwritten by Chubb.

Cover information and limits in the table below verified as correct at 23 April 2024. Other information correct at the time of writing.

American Express travel insurance plans

American Express offers three levels of international travel cover including basic, essential, comprehensive and ultimate. Whether you’re a frequent flier looking for annual multi-trip insurance or you’re after a single-trip policy, here’s a list of options you can consider with American Express Travel Insurance for your next holiday.

  • Events

  • Limits shown apply

  • Covid medical cover

  • Covid cancellation cover

  • Overseas emergency hospital expense

  • Overseas emergency medical assistance

  • Maximum excess

  • Cancellation fees

  • Pay extra for no excess

  • Luggage and personal effects

  • Additional accomodation & travel

  • Emergency companion

  • Resumption of journey

  • Hospital cash allowance

  • Accidental death

  • Permanent disability

  • Loss of income

  • Credit Card fraud and replacement

  • Travellers cheques

  • Travel documents

  • Rental vehicle excess

  • Alternative travel expenses

  • Personal liability

  • Pre existing conditions

  • Asthma

  • Cancer

  • Cardiovascular disease

  • Mental health illness

  • Diabetes

  • Epilepsy

  • High cholesterol

  • High blood pressure

  • Pregnancy

  • Blood thinning medication

  • Activities covered

  • Bungee jumping

  • Conservation work

  • Mountain biking

  • Mountaineering

  • Rock climbing

  • Scuba diving

  • Sky diving

  • Surfing

  • Trekking

  • Snow sports

  • Ocean Cruise

    • Essential

    • Per person

    • Unlimited

    • Unlimited

    • 500

    • Events
    • $5,000

    • $5,000

    • $500

    • $2,000

    • $2,000

    • $2,000

    • $10,000

    • Choose $0 to $3,000

    • $200

    • $2,500,000

    • Pre existing conditions
    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Activities covered
    • Optional

    • Optional

    More info
    • Comprehensive

    • Per person

    • Unlimited

    • Unlimited

    • 500

    • Events
    • $10,000

    • $10,000

    • $500

    • $2,500

    • $2,500

    • $2,000

    • $20,000

    • $8,500

    • $250

    • $250

    • Choose $0 to $3,000

    • $250

    • $5,000,000

    • Pre existing conditions
    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Activities covered
    • Optional

    • Optional

    More info
    • Ultimate

    • Per person

    • Unlimited

    • Unlimited

    • 500

    • Events
    • $20,000

    • $15,000

    • $500

    • $3,000

    • $3,000

    • $2,000

    • $25,000

    • $10,000

    • $250

    • $250

    • Choose $0 to $3,000

    • $300

    • $5,000,000

    • Pre existing conditions
    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Activities covered
    • Optional

    • Optional

    More info
= Covered = Not covered

Terms, conditions, exclusions, limits and sub-limits may apply to any of the insurance products shown on the Mozo website. These terms, conditions, exclusions, limits and sub-limits could affect the level of benefits and cover available under any of the insurance products shown on the Mozo website. Please refer to the relevant Product Disclosure Statement and the Target Market Determination on the provider's website for further information before making any decisions about an insurance product.

Any information provided on this page should be considered a summary and general advice only. All information should be verified before purchase via the relevant Product Disclosure Statement (PDS).


When’s the best time to purchase a travel insurance policy?

While you can even purchase an American Express Travel Insurance policy on the day that your travel begins, before the actual commencement of your journey, it’s a good idea to buy it as soon as you book your tickets so that you will have cover for possible changes or cancellations to your travel plans. 

Are pre-existing medical conditions covered under American Express Travel Insurance?

American Express Travel Insurance provides coverage for lots of pre-existing medical conditions such as asthma, diabetes, epilepsy and hypertension. However, if you do have a pre-existing condition read the policy document carefully to understand any specific exclusions or other terms and conditions that could be related to your illness or condition. 

Can I extend my American Express Travel Insurance policy while I am travelling?

You’ll need to contact American Express Travel Insurance before the end date of your policy to discuss if you can extend the period of coverage.

Is it possible to cancel my American Express Travel Insurance policy?

You’ll have a cooling off period of 14 days from the date that your insurance was confirmed, electronically or in writing. During this time, you can cancel your policy by informing American Express in writing or over the phone. If you cancel your policy within these 14 days, your premium would be refunded. However, cooling-off rights do not apply if you have already started your journey or if you have made a claim during this period.

How to make a claim with American Express Travel Insurance

Making a claim with American Express Travel Insurance is an easy procedure. You’ll need to submit the completed claim form within 30 days of the event taking place, which has given rise to the claim. You’ll also have to attach the following documents along with the form before submitting it:

How is American Express Travel Insurance rated by the Mozo Community?

Read how the Mozo community has rated American Express Travel Insurance policies and services on a number of factors ranging from value for money to customer satisfaction.

American Express travel insurance
7.7

Overall 7.7

8.1

Value for money

4.5

Policy coverage

4.3

Customer service

3.7

Claims handling

8.0

Trust

51 Reviews

Recent American Express travel insurance customer reviews Recent American Express travel insurance customer reviews

American Express logo

American Express Travel Insurance review

Overall rating   2 / 10

Poor outcome with Chubb Insurance via Amex

We have American Express Platinum travel insurance with Chubb, which we have had for many years. We have never had to use it until this year when one of our children sustained a very extensive leg fracture overseas requiring emergency treatment...

Full review

We have American Express Platinum travel insurance with Chubb, which we have had for many years. We have never had to use it until this year when one of our children sustained a very extensive leg fracture overseas requiring emergency treatment at home. We had quite a substantial claim and this was after many companies refunded accomodation etc. We worked extensively for 3 months from get refunds from Qantas (who made our life very difficult even though we are high tier members and we will never fly again with them) Chubb has a very convoluted way of getting around refunds vs forfeits with regards to flights, and your claim will be impacted. Ultimately we are out of pocket $4500. Don't try too hard to get refunds like we did and spent months and probably 20 hours of time on the phone chasing. Do the basics as spending many hours doing this will not benefit your claim (or time). You have no direct contact with the person doing your claim, (even though I have an email informing me that I would be assigned a case support) it is very impersonal and it takes a long time for them to respond to you.

    Policy coverage   5 / 10

    Customer service   3 / 10

    Claims handling   2 / 10

    Trust   2 / 10

Less

Nerissa, South Australia, reviewed 12 months ago

American Express logo

American Express Travel Insurance review

Overall rating   1 / 10

Not good

Transport to /from injury (personal) tourist area should include pedal.

Full review

Transport to /from injury (personal) tourist area should include pedal.

    Value for money   4 / 10

    Policy coverage   3 / 10

    Customer service   2 / 10

    Trust   1 / 10

Less

Kym, Western Australia, reviewed over 2 years ago

American Express logo

American Express Travel Insurance review

Overall rating   4 / 10

Would use another insurer for travel next time

Difficult to get claim for overseas travel issues like stolen goods.

Full review

Difficult to get claim for overseas travel issues like stolen goods.

    Value for money   5 / 10

    Policy coverage   5 / 10

    Customer service   5 / 10

    Claims handling   3 / 10

    Trust   3 / 10

Less

Amelia, Tasmania, reviewed about 6 years ago

American Express logo

American Express Travel Insurance review

Overall rating   5 / 10

It's good but there's better out there.

I am aware of better companies out there.

Full review

I am aware of better companies out there.

    Value for money   8 / 10

    Policy coverage   5 / 10

    Customer service   7 / 10

    Claims handling   6 / 10

    Trust   7 / 10

Less

Kristen, Queensland, reviewed over 6 years ago

American Express logo

American Express Travel Insurance review

Overall rating   9 / 10

Very good provider

well done

Full review

well done

    Value for money   9 / 10

Less

Joseph, New South Wales, reviewed almost 7 years ago

Hide reviews
Mozo may receive a payment from financial providers listed on the site. Customer reviews are in no way affected by any commercial relationships Mozo has with providers. Reviewers may receive a voucher from Mozo in exchange for their review. Vouchers are given to all reviewers who meet our review guidelines regardless of the sentiment of their reviews. Financial providers may, from time to time, offer incentives for reviews, regardless of the sentiment of the reviews.

Compare American Express Travel Insurance policies with other Australian Insurers

While American Express is a well known travel brand, it’s always a good idea to shop around to compare prices. Mozo makes this easy with our travel insurance comparison tool. Simply punch in basic travel details like your destination, travel dates, number and age of travellers, and we’ll give you a list of insurers pricing including American Express so that you can find the best one for your travel needs.

If you have more questions on travel insurance, check out our detailed guides on topics like pre-existing conditions, seniors travel insurance and family travel insurance. You can also head over to our travel section for more tips on thrifty travel as well the best $20 series where real travellers share their money savvy secrets.