American Express Platinum Card insurance
The terms
- American Express Platinum Card Insurance Terms and Conditions
American Express publishes a separate insurance document for each card it issues; this is the one for the Platinum Card. The others are not read, so nothing here should be taken as describing another American Express card.
This cover comes with the card, from American Express. There is nothing extra to buy.
Conditions
- Covers a return trip that starts and ends in Australia, once you have paid the whole outbound flight or cruise fare with your American Express Platinum Card before you leave. Membership Rewards or frequent flyer points count as paying with the card.
- A trip within Australia more than 150 km from home also qualifies if you pay the whole outbound flight, cruise, bus or train fare, or spend $500 or more on accommodation, with the card. It has no medical cover.
- Your card account has to be current: not cancelled or suspended.
- You have to live in Australia.
- You have to be 79 or younger when you pay.
- One trip is covered for up to 180 days.
- Pre-existing medical conditions are not covered.
overseas domestic cruise return-trips-only pay-whole-fare points-count australian-residents-only age-to-79 overseas-180-days domestic-180-days pre-existing-not-covered
What it pays
Travel Insurance (International Return Trip): the limit per benefit
| Section | Benefit as printed | Limit |
|---|---|---|
| Trip Cancellation and Amendment Cover (section limit) page 18 | Up to $30,000 | |
| b. Travel agent commission (sub limit) a sub-limit of the section above page 18 | Up to $750 or 15% of the total booking amount, whichever is the lesser | |
| c. Additional travel and accommodation (sub limit) a sub-limit of the section above page 18 | Up to $5,000 | |
| Medical Emergency Expenses Cover 1. In The Event Of A Medical Emergency (section limit) page 20 | Unlimited | |
| 1.a. In The Event Of A Medical Emergency & Repatriation/Evacuation (sub limit) – costs arising as a result of Terrorism a sub-limit of the section above page 20 | Up to $1,000,000 | |
| 2. Emergency Dental (sub limit) a sub-limit of the section above page 20 | Up to $1,500 | |
| 3. Repatriation/Evacuation (sub limit) a sub-limit of the section above page 20 | Unlimited | |
| 4. Incidental expenses each 24 hours (sub limit) a sub-limit of the section above page 20 | Up to $75 per 24-hour period to a maximum of $5,000 | |
| 5. Extra accommodation (room only) (sub limit) a sub-limit of the section above page 20 | Up to $250 per 24-hour period up to a maximum of $2,500 | |
| 6. a) Return economy airfare (sub limit) a sub-limit of the section above page 20 | Up to $5,000 | |
| 6. b) Extra accommodation (room only) page 20 | Up to $250 per 24-hour period up to a maximum of $2,500 | |
| 2. In The Event Of Your death (Repatriation/Funeral/Burial Costs) page 20 | Up to $15,000 | |
| In the event of Your death in a Schengen member state page 20 | Up to 30,000 EUR | |
| 1) Returning to Australia for a Close Relative page 20 | Up to $5,000 | |
| Personal Baggage, Valuables, Money And Travel Documents Cover (section limit) page 20 | Up to $30,000 | |
| a. Money and Travel Documents (sub limit) a sub-limit of the section above page 20 | Up to $1,000 | |
| b. Maximum total of all Valuables (including sub limits i. to iv.); page 20 | Up to $9,000 | |
| i. One (1) Smartphone (sub limit); a sub-limit of the section above page 20 | Up to $1,000 | |
| ii. One (1) laptop (including accessories sold with the laptop) (sub limit); a sub-limit of the section above page 20 | Up to $3,000 | |
| iii. One (1) camera (including lenses and accessories) (sub limit); a sub-limit of the section above page 20 | Up to $5,000 | |
| iv. Any other Valuable item (sub-limit) a sub-limit of the section above page 20 | Up to $5,000 | |
| c. any other single item or Pair or Set of items (sub limit); a sub-limit of the section above page 20 | Up to $5,000 | |
| Personal Liability Cover page 20 | Up to $3,000,000 | |
| Loss Of Income Cover (section limit) page 20 | Up to $15,000 | |
| Monthly Salary (up to 5 months) page 20 | Up to $3,000 per month | |
| Hijack Cover (section limit is an aggregate limit for all Your Close Relatives) page 21 | Up to $29,000 | |
| a. return economy airfare page 21 | Up to $5,000 | |
| b. Extra accommodation (room-only) for each twenty-four (24) hour period page 21 | Up to $2,000 per 24-hour period to a maximum of $24,000 | |
| Kidnap Cover (section limit is an aggregate limit for all Your Close Relatives) page 21 | Up to $29,000 | |
| a) return economy airfare page 21 | Up to $5,000 | |
| b) Extra accommodation (room-only) for each twenty-four (24) hour period page 21 | Up to $2,000 per 24-hour period to a maximum of $24,000 | |
| Loss Damage Waiver Cover page 21 | Up to $125,000 |
Travel Insurance (Domestic Return Trip): the limit per benefit
| Section | Benefit as printed | Limit |
|---|---|---|
| Trip Cancellation and Amendment Cover (section limit) page 18 | Up to $30,000 | |
| b. Travel agent commission (sub limit) a sub-limit of the section above page 18 | Up to $750 or 15% of the total booking amount, whichever is the lesser | |
| c. Additional travel and accommodation (sub limit) a sub-limit of the section above page 18 | Up to $5,000 | |
| 3. Repatriation/Evacuation (sub limit) a sub-limit of the section above page 20 | Not Covered | |
| 2. In The Event Of Your death (Repatriation/Funeral/Burial Costs) page 20 | Up to $15,000 | |
| In the event of Your death in a Schengen member state page 20 | Not Covered | |
| 1) Returning to Australia for a Close Relative page 20 | Not Covered | |
| Personal Baggage, Valuables, Money And Travel Documents Cover (section limit) page 20 | Up to $30,000 | |
| a. Money and Travel Documents (sub limit) a sub-limit of the section above page 20 | Up to $1,000 | |
| b. Maximum total of all Valuables (including sub limits i. to iv.); page 20 | Up to $9,000 | |
| i. One (1) Smartphone (sub limit); a sub-limit of the section above page 20 | Up to $1,000 | |
| ii. One (1) laptop (including accessories sold with the laptop) (sub limit); a sub-limit of the section above page 20 | Up to $3,000 | |
| iii. One (1) camera (including lenses and accessories) (sub limit); a sub-limit of the section above page 20 | Up to $5,000 | |
| iv. Any other Valuable item (sub-limit) a sub-limit of the section above page 20 | Up to $5,000 | |
| c. any other single item or Pair or Set of items (sub limit); a sub-limit of the section above page 20 | Up to $5,000 | |
| Personal Liability Cover page 20 | Up to $3,000,000 | |
| Loss Of Income Cover (section limit) page 20 | Up to $15,000 | |
| Monthly Salary (up to 5 months) page 20 | Up to $3,000 per month | |
| Hijack Cover (section limit is an aggregate limit for all Your Close Relatives) page 21 | Up to $29,000 | |
| a. return economy airfare page 21 | Up to $5,000 | |
| b. Extra accommodation (room-only) for each twenty-four (24) hour period page 21 | Up to $2,000 per 24-hour period to a maximum of $24,000 | |
| Kidnap Cover (section limit is an aggregate limit for all Your Close Relatives) page 21 | Up to $29,000 | |
| a) return economy airfare page 21 | Up to $5,000 | |
| b) Extra accommodation (room-only) for each twenty-four (24) hour period page 21 | Up to $2,000 per 24-hour period to a maximum of $24,000 | |
| Loss Damage Waiver Cover page 21 | Up to $125,000 |
Who stands behind it
| Insurer | Chubb Insurance Australia Limited
ABN 23 001 642 020 AFSL 239687 |
| Register | on APRA’s register and authorised to write new business on APRA’s register as Chubb Insurance Australia Ltd |
| Claims handled by | — |
| Policy owned by | American Express |
| What the cardholder holds |
the bank’s policy, claimable by the cardholder
The bank owns the policy. The cardholder may claim on it when they are eligible, but holds no policy of their own, cannot vary it and has no cooling-off right. |
| Document effective | 15 March 2022 |
Chubb means Chubb Insurance Australia Limited (ABN 23 001 642 020, AFS Licence No
What else this document covers
This document prints no cover name as a heading of its own.
Data
amex-platinum.json: this page as data.- Every card programme · every retail plan and what it covers
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