amex gold card travel insurance australia

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Table of Contents

What types of travel insurance does the American Express® Gold Card provide?

Understanding the american express® gold card baggage insurance policy, how to get rental car insurance through the american express® gold card, american express® gold card trip delay travel insurance, how amex global assist works, american express® gold card travel insurance, recapped.

The American Express® Gold Card is best known for its dining, grocery and rideshare perks. However, this mid-tier rewards card also offers cardholders several benefits that can make it an appealing option for booking flights and rental cars. Terms apply.

Does the American Express® Gold Card have travel insurance ? Yes — in fact, several kinds. From travel protections to car rental damage waivers, let's find out how the American Express® Gold Card travel insurance works. Terms apply.

American Express offers four types of travel insurance and protections to holders of the American Express® Gold Card :

Baggage insurance that covers lost, damaged or stolen baggage.

Car rental insurance which covers damage to or theft of eligible car rentals.

Trip delay insurance reimburses expenses when your travel plans are delayed by more than 12 hours.

Global Assist helps coordinate services when things go wrong on a trip.

Terms apply.

Each of these travel protections has limits, exclusions and requirements. For example, you'll generally need to pay for trips with your American Express® Gold Card to get these travel protections. And the maximum benefit for each of these is capped at a certain amount. Let's dig into the details. Terms apply.

» Learn more: How to file travel insurance claims

Cardholders of the American Express® Gold Card can get baggage protection on their checked and carry-on bags when traveling on a common carrier — such as an airline. To activate this coverage, all you need to do is pay for the entire cost of the flight, train, bus or cruise with your American Express® Gold Card or American Express Membership Rewards points. Terms apply.

AmEx even covers the loss or damage of bags on the way to or from the "common carrier terminal" (e.g., the airport). And it's not just the cardmember's bags that are covered. AmEx also covers the bags of your:

Spouse or domestic partner.

Dependent children under 23.

Certain disabled dependents.

If you need any more incentive to pack light: AmEx protects up to $1,250 in loss, damage or theft for carry-on bags and $500 max for checked bags. Note that this limit is applied per person — and not per bag. So, you won't get a higher amount of coverage if you spread your personal items across several bags. Terms apply.

AmEx also places a $250 cap on the amount that it will reimburse for "high risk items" — such as jewelry, cameras, sports equipment, computers or other precious metals. Terms apply.

» Learn more: Rental car insurance explained

Another useful American Express® Gold Card travel insurance protection covers cardmembers when they rent a car. To activate this coverage, just pay for the entire rental with your American Express® Gold Card and decline the rental company's collision damage waiver product. Then, AmEx will automatically reimburse up to $50,000 in damage or theft for most rentals up to 30 days in length. Terms apply.

However, you'll need to be wary of several key restrictions:

Coverage is secondary. That means you'll need to file with your personal auto insurance company first.

AmEx doesn't provide coverage for vehicles rented in Australia, Italy or New Zealand.

Certain vehicle types are excluded — such as cargo vans, motorcycles, mopeds and campers.

This AmEx collision damage waiver, or CDW, covers damage and theft to the car you rent. You're still responsible for damage and injury done to others. So make sure your personal auto insurance covers your liability when renting cars.

» Learn more: The cheapest car rental companies, according to data

One of the newest travel insurance perks of the American Express® Gold Card (added as of Jan. 1, 2020) is trip delay insurance protections. This trip delay insurance kicks in when you pay for a trip with your American Express® Gold Card or AmEx points. Terms apply.

Then, if your flight is delayed for more than 12 hours for a covered reason, American Express will reimburse you up to $300 for reasonable expenses such as meals, lodging, toiletries, medication and other personal use items. Terms apply.

Unfortunately, not every flight delay will be covered. This American Express® Gold Card travel insurance takes effect only when your trip is delayed more than 12 hours due to:

Inclement weather.

An equipment failure of the airline or common carrier.

Lost or stolen passports or travel documents.

Terrorist action or hijacking.

Note that you must be on a trip starting from your city of residence to be covered. But, don't worry if you booked a complicated itinerary. This trip delay insurance is effective as long as you start from your home and pay for your entire trip with the American Express® Gold Card — including all round-trip and one-way travel along the way. Terms apply.

» Learn more: How to book better and avoid flight delays

Think of AmEx Global Assist as your travel assistant. AmEx Global Assist can help with everything from visa and vaccination information before your trip, to emergency cash wires if things go wrong during your trip.

AmEx provides many travel advice and assistance services free of charge. However, if you need outside help — such as emergency translation or legal assistance — you'll be on the hook for payments to third-party service providers.

The AmEx Global Assist Hotline services available to American Express® Gold Card members aren't as comprehensive as what you'll get on other premium AmEx cards. However, it can still be an excellent resource when you need help before or during your travels. Terms apply.

» Learn more: The best travel credit cards may surprise you

While the American Express® Gold Card isn't a premium travel card, it still offers core travel insurance protections that can make it the go-to card for booking travel and rental cars. Terms apply.

Use your American Express® Gold Card to book travel to get up to $1,250 in coverage for lost or stolen baggage and up to $300 in reimbursements during a covered delay of 12 hours or more. Rent a car with your American Express® Gold Card to get secondary coverage of up to $50,000 for damage or theft. And you can fall back on AmEx Global Assist anytime you run into issues — when planning your trip or if you have an emergency during the trip. Terms apply.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024 , including those best for:

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

On a similar note...

Your guide to Amex's travel insurance coverage

Update : Some offers mentioned below are no longer available. View the current offers here .

American Express premium credit cards offer some of the best perks in the credit card space. While lounge access and travel credits are typically the highlights of these cards, some of the lesser-known benefits, such as trip delay reimbursement and trip cancellation and interruption insurance, are becoming hot topics as the coronavirus pandemic continues to impact the travel industry.

Want more credit card news and advice from TPG? Sign up for our daily newsletter!

As a result, many TPG readers have sent in questions about Amex's travel insurance protections. As travel restrictions change, policies and best practices will likely change as well. But this guide will walk you through which Amex credit cards have these benefits, what's currently covered and how you can file a successful claim.

Related: Best credit cards for trip cancellation and interruption insurance

Amex cards offering trip delay, cancellation or interruption insurance

Here is an overview of the Amex cards that offer trip delay reimbursement, trip cancellation/interruption insurance or both:

The information for the Hilton Aspire Amex card and American Express Corporate Platinum Card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

Related: The best credit cards with travel insurance

What is covered by trip cancellation and interruption insurance?

You can find the full terms and conditions of what is generally covered on your respective card in your Guide to Benefits, which can be found through your online account. I'll use the Delta SkyMiles® Reserve as an example.

Here is a rundown of the "covered losses" provided by Amex's trip cancellation and interruption insurance:

• Accidental bodily injury or loss of life or sickness of either the eligible traveler, traveling companion or a family member of the eligible traveler or traveling companion
• Inclement weather, which prevents a reasonable and prudent person from traveling or continuing on a covered trip
• The eligible traveler or his or her spouse's change in military orders
• Terrorist action or hijacking
• Call to jury duty or subpoena by the courts, either of which cannot be postponed or waived
• The eligible traveler or traveling companion's dwelling made uninhabitable
• Quarantine imposed by a physician for health reasons

Related: Book carefully if you have multiple Amex cards that offer travel protections

Amex also provides an extensive list of things that are not covered by trip cancellation/interruption insurance:

• Pre-existing conditions
• The eligible traveler's suicide, attempted suicide or intentionally self-inflicted injury
• A declared or undeclared war
• Mental or emotional disorders, unless hospitalized
• The eligible traveler's participation in a sporting activity for which he or she receives a salary or prize money
• The eligible traveler's being intoxicated at the time of an accident. Intoxication is defined by the laws of the jurisdiction where such accident occurs
• The eligible traveler being under the influence of any narcotic or other controlled substance at the time of an accident, unless the narcotic or other controlled substance is taken and used as prescribed by a Physician
• The eligible traveler's commission or attempted commission of any illegal or criminal act, including but not limited to any felony
• The eligible traveler parachuting from an aircraft
• The eligible traveler engaging or participating in a motorized vehicular race or speed contest
• Dental treatment except as a result of accidental bodily injury to sound, natural teeth
• Any non-emergency treatment or surgery, routine physical examinations
• Hearing aids, eyeglasses or contact lenses
• One-way travel that does not have a return destination
• A counterfeit scheduled airline or train ticket; or a scheduled airline or train ticket which is charged to a fraudulently issued or fraudulently used eligible card.
• Any occurrence while the eligible traveler is incarcerated
• Loss due to intentional acts by the eligible traveler
• Financial insolvency of a travel agency, tour operator or travel supplier
• Any expenses that are not authorized and reimbursable by the eligible traveler's employer if the eligible traveler makes the purchases with a commercial card

If you do find yourself canceling or cutting a covered trip short, here are the basic guidelines provided by Amex on what types of expenses are covered for trip cancellation/interruption:

"If a Covered Loss causes an Eligible Traveler's Trip Interruption, we will reimburse you for the nonrefundable amount paid to a Travel Supplier with your Eligible Card for the following: 1. The forfeited, non-refundable, pre-paid land, air and sea transportation arrangements that were missed; and 2. Additional transportation expenses that the Eligible Traveler incurs less any available refunds, not to exceed the cost of an economy-class air ticket by the most direct route for the Eligible Traveler to rejoin his or her places of origin.

If a Covered Loss causes an Eligible Traveler to temporarily postpone transportation by Common Carrier for a Covered Trip and a new departure date is set, we will reimburse you for the following: 1. The additional expenses incurred to purchase tickets for the new departure (not to exceed the difference between the original fare and the economy fare for the rescheduled Covered Trip by the most direct route); and 2. The unused, non-refundable land, air, and sea arrangements paid to a Travel Supplier with your Eligible Card."

What is covered by trip delay insurance?

Trip delay coverage provides reimbursement for reasonable additional expenses incurred when your trip is delayed due to a covered hazard for more than six hours.

Coverage is limited to $500 per trip and cardmembers are only eligible for two claims each 12 consecutive month period.

Amex outlines what is not covered, which includes the following:

• Covered losses that are made public or known to the eligible traveler prior to the departure for the covered trip
• An eligible traveler's expenses paid prior to the covered trip

Filing a claim

When you have a delay or trip cancellation/interruption that you think qualifies for coverage, you can file a claim by calling Amex at 1-844-933-0648 within 60 days of the covered loss.

Trip delay reimbursement requires the following documentation:

• Proof of loss – You must furnish written proof of loss to Amex within 180 days after the date of your loss
• Receipts - Acceptable documentation includes the following:
• A statement from the common carrier that the covered trip was delayed
• Charge receipt
• Copies of common carrier ticket(s)
• Receipts for travel expenses

Trip cancellation/interruption insurance requires slightly different documentation.

• Proof of loss – You must furnish written proof of loss to Amex within 180 days after the date of your loss. Acceptable documentation includes:
• Court subpoenas, orders to report for active duty, physician orders, etc.
• Copies of your common carrier tickets and travel supplier receipt
• Your eligible card billing statement showing the charges for the covered trip
• Copy of travel supplier's cancelation policy

After Amex receives notice of your claim, instructions will be sent on how to send the proof. Typically, you have up to 180 days to file a claim after a delay or cancellation.

Proof of flight delay or cancellation

One of the documents required to file for trip delay reimbursement is a verification form that outlines the reason for the delay or cancellation by the carrier. You can typically get this at the airport when the delay or cancellation is announced, but keep in mind that it may require a supervisor. Each U.S. major airline also has a process for requesting this information after the fact.

Here is an overview of the process that major U.S. airlines require for you to receive a delay or cancellation verification form:

Amex cards that offer car rental insurance

Unfortunately, no American Express credit cards offer primary car rental coverage, although most offer secondary coverage. You can see the entire list of cards that offer secondary car rental protection on the American Express website . However, all American Express credit cards offer an optional "Premium Car Rental Protection policy" that can be added to rentals made using the card for a small fee.

Read our guide on when to use American Express' Premium Car Rental Protection for more details on this coverage option.

You can add Premium Car Rental Protection to any American Express card . TPG has a guide of the best American Express cards , but here are some of the best cards in terms of the return you could receive when renting a car. Note, the estimated return rate for these cards is based on TPG's latest valuations:

• Hilton Honors American Express Aspire Card: $450 annual fee (see rates and fees); 4.2% return on car rentals booked directly from car rental companies; no foreign transaction fees (see rates and fees)
• The Blue Business® Plus Credit Card from American Express: $0 annual fee (see rates and fees); 4% return on general spending on the first $50,000 in purchases per calendar year and 1x thereafter; 2.7% foreign transaction fee (see rates and fees)
• The Amex EveryDay® Preferred Credit Card from American Express: $95 annual fee; 3% return on general spending in billing cycles where you make 30+ purchases; 2.7% foreign transaction fee

The information for the Amex EveryDay Preferred card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

Amex cards that offer baggage insurance

If you're a frequent traveler, you've likely run into this situation at some point (it's the worst). Over the years, airlines have been working on improving the baggage system by introducing live bag tracking. Regardless, it's still a smart idea to have some protections in place, like baggage insurance.

Related: Everything you need to know about Amex's baggage insurance plan

This is why you need to pay attention to the benefits each of your travel rewards cards offers. Nearly all of Amex's premium rewards cards offer baggage insurance. You can check out the full list of cards and details on American Express's website.

The types of losses it covers: You're covered for losses resulting from damaged, stolen or lost baggage, including both carry-on and checked bags.

When you're covered: To be eligible for coverage, you have to travel on a common carrier, which Amex defines as any air, land or water vehicle (other than a personal or rental vehicle) that is licensed to carry passengers for hire and available to the public. Your rental car, as well as taxis and ride-share services such as Uber and Lyft, would be excluded from this protection.

To receive coverage, you also need to pay for the entire fare with an eligible American Express card or by using Membership Rewards points to book tickets through Amex Travel . Trips booked with miles from other sources — even the cobranded Delta SkyMiles cards from Amex — are excluded. Your trip also isn't covered if you used a combination of miles and dollars unless the miles came from a Membership Rewards transfer. This is a welcome change. A few years ago, a TPG staffer found out the hard way that Amex's policy didn't cover frequent flyer mile awards.

Who's covered: This policy covers both primary and additional cardholders, as well as cardmembers' spouses or domestic partners and any dependent children under 23 years old. In addition, travelers must be permanent residents of one of the 50 states, Washington, D.C., Puerto Rico and the U.S. Virgin Islands.

How much it covers: Most American Express credit cards will cover replacement costs for checked bags and their contents up to $500 per person, although so-called "high-risk items" are only covered for a maximum of $250. These items include jewelry, sporting equipment, photographic or electronic equipment, computers and audio/visual equipment. Carry-on bags are covered for up to $1,250, which is good to know since your belongings could be stolen from the overhead bins.

You'll enjoy additional coverage if you use The Platinum Card from American Express, The Business Platinum Card from American Express, the Platinum Card from American Express Exclusively for Mercedes-Benz and Morgan Stanley-branded Platinum Card (but not the Delta SkyMiles® Platinum American Express Card).

The information for the Amex Platinum Mercedes-Benz and Morgan Stanley Platinum card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

Amex cards that offer medical assistance

One of the lesser known benefits of some of Amex's most premium cards is its Premium Global Assistance. This benefit can quite literally be a lifesaver if you or an immediate family member run into any unexpected issues or accident on your trip. For example, this service can help you arrange emergency medical referrals.

All Amex cards have access to Amex's Global Assist Hotline, but the Premium Global Assist Hotline and higher level of coverage are reserved exclusively for the Amex's premium cards:

• The Platinum Card from American Express
• The Business Platinum Card from American Express
• American Express Corporate Platinum Card
• Hilton Honors Aspire Card from American Express
• Delta SkyMiles® Reserve American Express Card
• Delta SkyMiles® Reserve Business American Express Card
• Marriott Bonvoy Brilliant® American Express® Card
• American Express Centurion Card
• American Express Business Centurion Card

The information for the Amex Centurion and Amex Business Centurion cards has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

Bottom line

Having a card with trip insurance can save you hundreds of dollars when unexpected hiccups happen in your travel plans. Still, it can be confusing to know what is covered and the right documentation you need to file a claim.

Nothing is worse than getting through an entire claims process only to be denied or have to start over because you don't have the required documentation for the insurance provider. Before you start filing a claim, make sure you have the documents listed above. Keep in mind that a provider may ask for additional documentation related to the incident, so you may have to collect receipts and other forms to help your case.

If you're starting to travel again, it's also a good idea to consider booking refundable travel . Some airlines and hotels even waive cancelation fees and/or change fees for certain fares, which can make last-minute adjustments in the case of emergencies.

Additional reporting by Stella Shon and Madison Blancaflor.

For rates and fees of the Amex Platinum card, please click here. For rates and fees of the Amex Gold card, please click here. For rates and fees of the Amex Business Gold card, please click here. For rates and fees of the Amex Green card, please click here. For rates and fees of the Hilton Aspire card, please click here. For rates and fees of the Amex Blue Business Plus card, click here. For rates and fees of the Marriott Bonvoy Brilliant card, click here. For rates and fees of the Delta SkyMiles Reserve card, please click here. For rates and fees of the Delta SkyMiles Reserve Business card, please click here. For rates and fees of the Delta SkyMiles Platinum card, please click here. For rates and fees of the Amex Business Platinum card, click here.

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Home > Travel Insurance > AMEX Travel Insurance Review

AMEX Travel Insurance Review

Learn more about AMEX’s travel insurance policies to find out about their coverage and fees and compare them with other insurers today.  

Fact checked

Founded more than 170 years ago in the US city of Buffalo, American Express (also known as AMEX) provides travellers with travel insurance products alongside its usual suite of services for credit cards and corporate banking. In Australia, the company is headquartered in Sydney and employs more than 1,500 people across the country. AMEX’s travel insurance products are underwritten by Chubb.

If you’re hunting for the right travel insurance for your holiday, comparing with Savvy allows you to get an idea of how AMEX’s plans stack up against other offers on the market. You can weigh up factors such as claim limits, inclusions and exclusions and terms and conditions.

Find out more about AMEX’s travel insurance policies, compare them with Savvy and get a quote today.

*Please note that Savvy does not represent AMEX for its travel insurance products.

More about AMEX travel insurance

What travel insurance policies does amex offer.

American Express offers several different travel insurance policies, including:

• International Essentials Plan: this cheaper travel insurance policy covers you for the basics, such as unlimited overseas medical expenses. You’re also given limited cover for your luggage, death due to a covered accident and any legal costs associated with being found personally liable for damage or injury. Those over 80 won’t be able to take out this travel insurance policy.
• International Comprehensive Plan: this policy covers the same ground as the essentials plan. However, there are larger limits on benefits and you’re also covered if you lose income due to illness, injury or travel delays.
• International Ultimate Plan: this is AMEX’s top level of international cover for those taking an international holiday. Essentially, you’re afforded the same areas of cover as the comprehensive policy but the claim limits are considerably higher. For example, while you can claim up to $10,000 in cancellation costs on the comprehensive policy, the ultimate plan allows you to recoup up to $15,000.
• Domestic Trip: if you’re taking a trip around Australia, this policy covers you for cancellation or amendments to your bookings, travel delays, lost or damaged luggage and personal liability. However, you’ll miss out on cover for loss of income or accidental death.

Comparing quotes with Savvy helps you narrow your selections and find the best policy for your next trip, no matter if you’re flying to Costa Rica or Cairns.

What optional extras are available through AMEX?

American Express provides optional coverage to cover travellers taking a range of different domestic and international holidays. Some of the available options include:

• Rental vehicle excess cover: hiring a car can be an easy and efficient way of getting around your destination, whether you’re taking a holiday to Egypt or a drive to Echunga. This add-on covers the excess on your rental vehicle up to $3,000 if your car is damaged, an amount you otherwise would have needed to pay.
• Snow sports cover: anything can happen when you’re carving up the slopes on a set of skis or a snowboard. This optional extra allows you to be covered for the hire or replacement of equipment and any cancellation costs due to bad weather or the closure of your resort.
• Cruise cover: this optional coverage covers you for a range of incidentals while you’re on an international or domestic cruise .

What exclusions should I be aware of when buying travel insurance through AMEX?

American Express has a list of general exclusions which include:

• Changing your mind before the start of your holiday
• Taking a domestic holiday which is less than 150km from your home
• Accidents caused by consuming alcohol or drugs
• Self-inflicted injuries or attempted suicide
• Partaking in a professional sport
• Any costs associated with travel to Cuba
• Travelling to hazardous worksites including mines or oil rigs
• Loss of enjoyment

If you’ve found a policy which draws your eye, ensure you review AMEX’s Product Disclosure Statement (PDS) before you set your decision in stone.

What we think of AMEX travel insurance

What we like, generous personal liability limits.

AMEX offers generous limits on their coverage if you are found personally liable for damage or injury during your holiday, allowing you to claim back up to $5 million.

Free with certain credit cards

If you’re a credit card holder with AMEX, you may qualify for free travel insurance as part of the overall package, potentially saving you money in the process.

Competitive luggage cover

In most cases, travel insurers will only cover up to $10,000 if you need to replace or repair your baggage because it’s damaged or stolen. However, AMEX allows you to claim back up to $15,000.

What we don't like

High excesses.

If you need to make a claim on your travel insurance, you’ll be required to pay a $250 excess, which is $50 to $100 more than those of many other providers.

Shorter pregnancy cover

Many travel insurance providers will cover pregnant travellers up to their 26th week of gestation. However, American Express only covers you up to your 23rd week.

No cover for those over 80

While some travel insurance providers are quite flexible with their age limits, AMEX isn’t and as a result won’t sell policies to travellers over 80.

Types of travel insurance

International.

International travel insurance can offer cover for a range of events, including medical expenses, lost luggage or items, cancellation fees and more when you're overseas and a long way from home.

If you're journeying within Australia, domestic policies are designed to offer many of the same protections as international travel insurance (with the exception of medical expenses).

Single trip

The most standard and common type of travel insurance, this policy can cover you for one trip starting and ending in Australia (and is available for both international and domestic travel).

Annual multi-trip

As the name suggests, this type of travel insurance covers multiple trips over a 12-month period. Depending on your insurer, you may be able to take an unlimited number of trips up to 90 days each.

You don't have to have a return ticket booked to take out cover while you're overseas. One-way travel insurance enables you to access cover without a set end date, such as if you're moving temporarily.

You may need to take out specialist coverage if you're setting sail on a cruise. Fortunately, cruise insurance can cover emergency evacuation, cabin confinement and more.

Just because you're older doesn't mean travel insurance isn't still important. If you qualify for cover, seniors' travel insurance can offer greater peace of mind for included events while you're travelling.

Adding winter sports or ski cover to your policy can add protection against damage to your equipment, piste closure due to bad weather and activities such as back-country skiing, heliskiing and more.

Adventure sports

Looking to enjoy some adventure sports on holiday? An adventure sports pack can grant you cover for a range of activities, such as hiking, scuba diving and motorcycle or scooter riding.

Jetsetting with the whole clan in tow? Some insurers offer family travel insurance, which enables you to include yourself, your partner and your dependent children under one policy to help you save.

If you're travelling interstate or overseas with your partner (or simply another friend or family member), you may be able to access a discount by taking out a joint or duo travel insurance policy.

Why compare travel insurance with Savvy?

Reputable insurance partners, fast and convenient online process.

You can complete the quote, comparison and purchase process online through Savvy quickly and easily.

Competitive quote costs

Regardless of the type of insurance you’re looking for, we can help you compare between competitive quotes.

Frequently asked questions about AMEX travel insurance

Yes – American Express’ travel insurance policies cover costs for cancelling, curtailing or changing your trip due to a positive COVID-19 diagnosis. Policies also cover the cost of any necessary medical treatment you require during your recovery. However, you won’t be covered due to COVID-19-related border closures or able to claim for quarantine costs.

Not necessarily – you can purchase travel insurance through American Express whether you’re an existing credit card customer or not. However, some of their credit products offer complimentary travel insurance. For example, AMEX’s Platinum credit card comes with free travel insurance if you purchase return flights on the card. Among some of the benefits of the Platinum card’s travel insurance are unlimited medical expenses and coverage for loss of luggage.

If you need to file a claim on your travel insurance, AMEX requires you to do so through the website of their underwriter, Chubb. Once you’ve logged onto their portal, you can follow a few simple steps to submit your claim:

• Provide ample details about the incident and the expenses you’re claiming
• Upload the documentation you need for them to back up your claim
• Provide your bank details for your reimbursement
• Review your application and submit it

  AMEX says it can take up to ten days for applications to be processed. During this time, you may be requested to provide more information about your claim. Responding promptly is the best way to fast-track the processing of your claim.

The cost of travel insurance varies depending on several factors, including:

• Your date of birth
• Your chosen destination
• The level of coverage you buy
• Any optional extras you need
• The policy excess you choose
• The type of insurer and insurance policy you buy

A single-trip policy covers you for one return trip while an annual multi-trip policy covers you for consecutive holidays taken over 12 months. These annual policies allow you to travel for between 15 and 90 days per trip. A one-way travel insurance policy covers you for taking a holiday when you don’t have a return ticket booked. Under these policies, you can usually opt for an extension of a year on your cover.

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Please Note - If you are cruising around Australia you need to select Pacific. With Regions, variances can apply for Bali, Indonesia, Japan and Middle East. You are not required to enter stop-over countries if your stop-over is less than 48 hours.

If you don’t know where you’re traveling to within the next 12 months, choose Worldwide to ensure you’re covered no matter where you go. If you’re travelling to multiple countries choose the region that you are visiting that is furthest away (excluding stopovers less than 48 hours). In most cases you will be covered for the closer regions as well. For example, if you choose Europe, you will also be covered in the Middle East, Asia and Pacific.

Worldwide means anywhere in the world

Americas means USA, Canada, South America, Latin America, Hawaii and the Caribbean

Europe means all European countries, including UK

Middle East refers to the area from Syria to Yemen; Egypt to Iran

Asia generally means Asia and the Indian subcontinent. For some insurers this excludes Japan*

Pacific means the South West Pacific, Australia and Indonesia/Bali*. Select Pacific for domestic cruises in New Zealand waters

New Zealand means domestic travel within New Zealand only

*Note: Variances apply for Bali, Indonesia, Japan and Middle East. Check that your destination is covered once directed to your chosen insurer’s site.

Credit card travel insurance

Complimentary or 'free' credit card travel insurance is a popular feature which many travellers rely on for cover during their travels.  Checking the fine print of your credit card travel insurance policy terms is essential - otherwise, you might find common exclusions leave you out of pocket.

What is  credit card travel insurance?

Pros and cons of credit card travel insurance.

Here's the top four pros and cons of complimentary credit card travel insurance:

Most credit card policies are underwritten by the same companies as standalone policies, so you know legitimate claims will be paid. 

Most credit card travel insurance policies specifically exclude pre-existing conditions from cover.

While standard travel insurance gets more expensive as you get older, there's no extra cost on credit card travel insurance policies. 

Many cards have an age limit or restrictions once you hit 75 years of age. Trip duration is often limited of 1 to 6 months, so you might not be covered at all even though you've paid your annual fee. 

You don't have to pay extra to be covered for places like Japan and the USA, which typically cost more with standalone policies due to .

If you're going skiing, riding a motorcycle, or partaking in adventure activities be sure to check the policy detail as they may be excluded.

You've already paid for your policy using your annual fees, so there's no additional cost to you. 

Annual card fees can be hefty. Depending upon your trip details, a standalone policy may be cheaper than your credit card annual fee.

Activating  credit card travel insurance

1. ​activation on purchase, 2. activation on value or percentage of trip purchases, 3. activation on flight purchase, 4. activation on notification.

You need to call your card provider or log in to their internet banking or app and notify them of your trip to activate the policy.

compare credit card  travel insurance conditions 

The information provided is factual at the time of writing and general in nature.  We have not considered your personal circumstances.  Eligibility requirements and terms and conditions for cover are subject to change from time to time.  Please refer to your credit card provider and the latest policy wording prior to your travels. 

Will credit card insurance cover you?

Spouse or family members, trip length.

what credit card travel insurance may not cover

Pre-existing conditions, holiday activities,   high-value items, what credit card travel insurance covers, overseas emergency medical treatment, cancellation fees and lost deposits, luggage and personal effects, public liability, credit card travel cover  faqs, is credit card travel insurance any good.

Whether credit card travel insurance is as good as or better than standalone travel insurance depends entirely on you and your circumstances. If you're going for a short trip, you've paid for your flight on your card, and you have no pre-existing medical conditions, taking advantage of 'free' credit card travel insurance might be a winner. But if you're going for a while, doing any adventurous activities, or you're got existing health issues, a standalone product may offer you the coverage you're looking for.

Which Australian credit cards come with travel insurance?

Not every credit card comes with travel insurance. Complimentary travel insurance is typically offered on premium credit or rewards cards that have higher annual fees. Check your policy documents for details or contact your bank. You can also check the table above for some of the more popular credit cards.

What is the best credit card for travel insurance?

The benefits you get with credit cards varies based on the type of card you have, the policy provider and your individual circumstances, so there isn’t actually a “best” credit card for travel insurance. Our table lists Australia's premium cards that provide travel insurance and outlines any activation criteria.

Can I cover my medical conditions with my credit card cover?

In most cases, pre-existing medical conditions will not be covered by travel insurance that comes with your credit card, but you may be able to get cover for this by contacting the insurer and paying an additional premium. You will need to check the Product Disclosure Statement (PDS), also known as policy wording to find out whether pre-existing medical conditions are covered. The alternative is a standalone travel insurance, learn more about covering your medical conditions.

Am I covered if I go skiing?

Like all insurances, some limitations apply to the travel insurance that comes with your credit card or rewards card and skiing is often one of them. Winter sports activities such as skiing and snowboarding are often excluded from credit card travel insurance, so if you're planning on hitting the slopes you should contact your provider to ensure that you have adequate cover for your planned activities. If not, opt for a standalone ski insurance policy.

Crystal Moran

With a research and journalism background, and certified in Tier 2 General Insurance General Advice, Crystal is passionate about investigating customers’ tricky travel questions and helping them find the answers they’re looking for. A writer and filmmaker whose favourite trips have been to film festivals in Cuba and South Korea, and campervanning around the USA, she loves getting to know new people and seeing a glimpse of the world through their eyes.

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Our comparison is a free service that allows users to compare quotes in a few simple steps based on limited personal criteria. Comparisons supplied are not a recommendation or opinion about the suitability of a policy for a user. Comparisons are default ranked according to price and users have the ability to sort by popular cover levels. Whilst we compare a vast range of policies, we do not compare all providers in the market. This site compares the following brands: 1Cover, AllClear, Budget Direct, Downunder, Fast Cover Travel Insurance, Insure4Less, InsureandGo, iTrek, Simply Travel Insurance, Ski-Insurance, Travel Insurance Saver, Travel Insuranz, Wise Traveller, Zoom Travel Insurance . The directors and shareholders are common with companies i-Trek Pty Ltd, Zoom Travel Insurance and 1Cover Pty Ltd including it’s subsidiary brand Ski-insurance. CoverDirect takes all reasonable care when preparing this information but does not warrant its accuracy. Pricing information is supplied by the providers who participate on this site and should be verified with the insurer before you purchase. This site links users to the website of the provider to verify quotes and access the relevant PDS to understand what is, and is not, covered by a policy prior to purchase.

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How does American Express credit card travel insurance work?

Whether you are travelling overseas or in another part of the country, not having travel insurance can have you paying thousands of dollars from your pocket if something unexpected happens.

Yet, it’s possible to forget about insuring your trip while you’re busy making other arrangements. Having complimentary credit card travel insurance comes in handy at such times by automatically providing a cover for your trips. It also saves you the time and hassle of picking out an insurance policy each time you travel.

Which credit cards offer complimentary travel insurance?

Most premium credit cards offer free travel insurance. For example, American Express provides several complimentary insurance options on its cards, including travel insurance for both international and domestic trips. The Amex credit card travel insurance is provided by Chubb and also covers your spouse and legally dependent children up to a specific age.

What is included in the Amex credit card insurance coverage?

What’s included in your Amex credit card travel insurance coverage depends on the type of card you hold. For example, Amex Platinum Credit Card travel insurance covers you for all of the following:

• Travel Inconvenience Cover
• Medical Emergency Expenses Cover
• Baggage, Money and Documents Cover
• Travel Cancellation Cover
• Loss Damage Waiver Cover
• Transport Accident Cover

The cover extends to you, your spouse and your legally dependent children up to the age of 24. The cover may also be extended to up to 4 additional card members. You can check the travel insurance cover on various cards on the Amex website.

Besides complimentary travel insurance, you may also enjoy free shopping and purchase protection and smartphone screen insurance on select American Express credit cards.

How can I activate my credit card travel insurance cover?

You need to meet a few requirements to use your American Express travel insurance. While it’s best to refer to your card’s terms and conditions for the exact details, here’s a summary of the basic requirements you must fulfil:

• You’re generally required to book the full fare for a return trip on your Amex credit card or pay with the reward points earned on that card. However, some premium category cards may let you claim the insurance on trips booked with other reward points as long as you’ve used your Amex card to pay the taxes and other additional fees.
• It’s mandatory that your travel starts and ends in Australia to be eligible for the complimentary cover.

When you’re comparing credit cards with complimentary travel insurance, don’t forget to review the policy exclusions. For instance, does your policy cover accidents due to participation in extreme sports, like canoeing or mountain biking. Or, what are the requirements for claiming missing items? Would you still be able to make a successful claim if there’s no written report from the local police or other such authorities within a specified timeframe?

It’s important to read through the exclusions and other terms and conditions to avoid disappointment over a potential claim in the future.

If you already hold a credit card with complimentary travel insurance, consider reviewing the terms of your cover before you plan your next trip. If you find the cover inadequate, it’s worth taking out a separate travel insurance policy to protect your trip.

What do I pay for complimentary travel insurance?

That question seems contradictory, but it’s worth assessing the actual cost of complimentary credit card travel insurance. It’s true that you won’t be paying outright for travel insurance with a complimentary cover. However, the cost of travel insurance is usually included in the interest rate or fees charged by your credit provider.

Many credit cards with complimentary travel insurance charge you a moderate to high fee to pay for the perks that don’t come with a standard credit card. Whether or not complimentary travel insurance is worth the cost will eventually boil down to your own personal and financial needs. If you don’t see yourself travelling frequently in the next few years, paying extra for a feature you’re not going to use may not make financial sense. On the other hand, frequent travellers could save a considerable amount of money by avoiding the expense of taking out separate travel insurance each time they plan a trip.

This article is over two years old, last updated on March 11, 2022. While RateCity makes best efforts to update every important article regularly, the information in this piece may not be as relevant as it once was. Alternatively, please consider checking recent credit cards articles .

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Gold Travel Protection

Worldwide travel protection benefits for yourself, your partner, your children under the age of 23 and your primary Supplementary Cardmember.

Enjoy worldwide travel protection, available to you, your primary Supplementary Cardmember and your immediate family at no additional charge – whether or not you pay for your travel on your Gold ® Card. See the full details of your gold travel protection benefits here .

Please refer to the orange section for details if you applied for your Card on the American Express ® website, in response to mail or an email from American Express or through a private bank branch which is within the European Economic Area (EEA). If you applied for your Card with a bank in a country outside the EEA, refer to the brown section. The benefits are the same under both sections; however, the basis on which we provide them is different.

Submit your claim online americanexpress.co.uk/claims

You can make a claim on your Gold travel insurance online, using our 24 hour web service. Simply visit americanexpress.co.uk/claims and follow the on screen instructions.

Gold travel protection service

+44 (0) 1273 868 900

Contact your Gold travel protection service to find out more.  Available UK Time: 8.00am - 8.00pm, Monday - Friday and 8.00am - 5.00pm Saturday. (Press option for protection)

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+ 44 (0) 20 3126 4113 Your 24/7 medical emergency and legal contact to ensure you get all the help and assistance you need when you're away from home.

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American Express Travel Insurance Review

Our verdict: american express travel insurance covers all the basics but excludes pre-existing medical conditions so if you have one, you might want to look elsewhere..

In this guide

Summary of American Express International Comprehensive policy

How does american express travel insurance cover covid-19, what policies does american express offer, here's a breakdown of american express travel insurance features, standard features, optional add-ons, how to make an american express travel insurance claim, here's the bottom line about american express travel insurance, frequently asked questions, request travel insurance quotes and compare policies.

Destinations

• American Express makes claiming easy, with an online portal, email and phone options.
• The loss of income benefit is particularly strong, paying a monthly benefit of up to $2,000 for a maximum of 5 months if you're seriously injured while on holiday and subsequently unable to work.
• Pre-existing medical conditions are excluded and there's no option to add them on for an additional fee. Even American Express warns that its policy might not be right for travellers with pre-existing medical conditions.
• Even the most comprehensive American Express policy, Ultimate Plan, has a $20,000 limit on cancellation costs. There are many brands which offer unlimited cancellation cover .

Compare other options

Table updated August 2023

American Express has you covered if you're diagnosed with COVID-19 before you head on holiday or while you're away. Here's what you can expect:

• Any costs incurred from having to cancel, delay or change your trip because you or a travelling companion are diagnosed with COVID-19 - that includes additional accommodation and travel expenses.
• Overseas emergency medical costs if you need treatment for COVID0-19 while on your trip
• Transport of your remains or burial costs if you die as a result of COVID-19 during your trip.

There are some scenarios that are not covered by American Express including costs incurred as a result of mandatory quarantine or isolation, border closures or government travel bans.

Also, if you were diagnosed with COVID-19 before heading on your trip but you went anyway, you won't be covered for any COVID-related overseas medical expenses.

American Express offers four insurance policies to travellers. The Essential, Comprehensive and Ultimate plans are available to travellers heading overseas while the Domestic plan is for travellers staying in Australia.

Comprehensive

The insurer of this product is Chubb Insurance Australia Limited. It comes with a cooling-off period of 14 days and choice of $200 standard excess for international plans.

These are some of the main insured events that American Express will cover. These benefits apply across all international policies.

• Overseas medical treatment
• Lost, damaged or stolen property
• Trip cancellation or amendment
• Additional accommodation and transport
• Theft of money
• Luggage and travel delay
• Kidnap and hijack
• Personal liability
• Accidental death

American Express also offers three add-ons that provide cover for a wider range of risks.

• Rental vehicle excess cover. If your rental vehicle is damaged, this benefit will cover the cost of the insurance excess. Does not apply to campervans, motorbikes or scooters.
• Snow Sports Cover. Cover for equipment and cancellation expenses if you're going skiing, snowboarding, tobogganing or snowmobiling. .
• Cruise Cover Extends your insurance policy to cover cruises and any cruise-related claim.

Unfortunately, travel insurance doesn't cover everything. Generally, American Express will not pay your claim if it relates to:

• Unlawful, wreckless or unreasonably unsafe behaviour by you
• Behaviour while you were drunk or under the influence of drugs
• Expenses related to a pre-existing medical condition
• An act of war, invasion or revolution
• Insolvency of a travel agent , tour operator or accommodation provider
• Mandatory quarantines or isolations
• You being unfit to travel or travelling against medical advice
• Childbirth or pregnancy complications after the 24th week of gestation or if you have had previous pregnancy complications
• A multiple pregnancy or one where the conception was medically assisted
• An elective medical or dental treatment , cosmetic procedure or body modification (including tattoos or piercing)
• Self-inflicted injury or illness, suicide or attempted suicide

Make sure you review the American Express PDS for a detailed breakdown of what won't be covered, found under its list of general exclusions .

You can submit your claim online via the Chubb Claims Centre for American Express .

Alternatively, you can phone Chubb on 1800 139 149, Monday to Friday, 9am to 5pm AEST.

Travellers with pre-existing medical conditions might want to look elsewhere as they won't be covered by policies and American Express won't consider adding them for an extra fee.

Further, there appears to be no cover available for travellers wishing to ride a motorbike or scooter, even if you have a valid licence.

If you're still not sure about American Express, you can compare other travel insurance companies here .

How long do I have to make a travel insurance claim?

You have 60 days from your return date to submit your travel insurance claim. If you're still waiting on documentation to support your claim but worried you won't make the deadline, you can start the process and submit the additional documentation later.

Is there an age limit for American Express travel insurance?

Yes, American Express does not offer travel insurance to people over 80. However, there are plenty of other providers that offer travel insurance to over 80s ..

Do I have to have an American Express credit card to get American Express travel insurance?

No, you do not have to be an American Express customer to take out a travel insurance policy.

Use a comma or space to separate ages. Add kids under the age of 1 by typing a “0” 0 traveller(s)

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Nicola Middlemiss

Nicola Middlemiss is a contributing writer at Finder, with a special interest in personal finance and insurance. Formerly a business and finance journalist, Nicola has written thousands of articles helping Australians better understand insurance and grow their personal wealth. She has contributed to a wide range of publications, including Domain, the Educator, Financy, Fundraising and Philanthropy, Insurance Business, MoneyMag, Mortgage Professional, Yahoo Finance, Your Investment Property, and Wealth Professional. Nicola has a Tier 1 General Insurance (General Advice) certification and a Bachelor's degree from the University of Leeds.

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24 Responses

We are planning a trip to Switzerland and Italy June 2019 for about 3 weeks. My mother has just turned 85 and still lives independently at her home. Would we be covered if during our time away, she passed away and we needed to fly home? She has the normal age related issues but does not have any other issues other than old age. We have heard that a lot of insurers do not cover this. Thanks

Thank you for getting in touch with Finder.

The American Express travel insurance offer cover in case of death of a relative during the trip.

If you are looking for a travel insurance that can help you recover your cancellation costs including pre-booked tickets and hotels, costs associated with returning home at short notice and costs associated with resuming your journey at a later date due to family/relative emergency at home, please refer to our travel insurance for family emergency to start comparing your options.

I hope this helps.

Please feel free to reach out to us if you have any other enquiries.

Thank you and have a wonderful day!

Cheers, Jeni

Hi I’m heading to Bali and wondering if your Ultimate policy cover the Volcano if it goes off

Thank you for your question.

You have contacted finder.com.au, a comparison and information service and not actually an American Express Travel Insurance.

American Express Travel Insurance covers medical emergency expense cover, travel cancellation cover, transport accident cover, travel inconvenience insurance and baggage, money and documentation cover.

It would be best to contact American Express directly as this would require for you to check the complete coverage of the insurance.

Hope this helps!

Best regards,

Is AMEX Travel Insurance available for Cruise travel to an Island within Australia?

Thank you for your inquiry.

According to the American Express Travel Insurance product disclosure statement (PDS), “cover for any cruise travel will be based on Your chosen geographical region.” Meaning that you should be covered by your standard policy. However, you should review the PDS for the exact costs covered for cruise related claims. For more information about the costs covered by AMEX or the definitions related to Australian waters, you should contact them directly.

I hope this information has helped.

Cheers, Harold

Do you insure travellers age 80 and 93

American Express Travel Insurance has different age limits for different policies:

• Ultimate and comprehensive policies have a maximum age limit of 89 years old.
• Essential policy has a maximum age limit of 79 years old.
• Basic policy has a maximum age limit of 69 years old.
• Domestic policy has a maximum age limit of 79 years old.

If you would like to check which insurers provide cover for 80 and 93 year old travelers, please head to our seniors travel insurance page.

All the best, Zubair

I am a 45yo male and had a stroke just over 12 months ago. Although my stroke was not for medical reasons (I have no risk factors) and I have been advised by my neurologist that everything has healed and I now have no more likelihood of having another stroke than the average person, it is still considered a pre-existing condition by the insurers I have spoken with. Are you aware of any travel insurance policies that would provide me with cover?

Thanks for your question. Both Cover-More and InsureandGo consider most conditions after a medical assessment. They may be a good starting point.

I hope this was helpful, Richard

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What you need to know about credit card travel insurance

Some credit cards come with included international travel insurance, which can be very handy when holiday time comes around.

There are no guarantees when you travel, but having travel insurance can help you be prepared should something unexpected happen. Before you take out a travel insurance policy, however, it’s worth noting that some credit cards offer included or complimentary international travel insurance as one of their perks.

To make sure you’re covered for everything you’ll need when travelling, it’s important to have a good understanding of how included international travel insurance works. Ask yourself these questions to help choose the right credit card that will offer you the right coverage.

Related articles

Is your credit card eligible?

Not all credit cards offer included or complimentary travel insurance. If you’re looking at taking out a credit card, and international travel insurance is important to you, keep this front of mind when deciding on your card. If you already have a credit card, check with your provider whether or not it includes international travel insurance.

Some CommBank  credit cards have included international travel insurance .

For eligible credit cards​

To receive cover, including Overseas Medical cover # , before you leave Australia you must:​

• Spend at least $500 in a single transaction on your prepaid travel costs using your eligible credit card; and​
• Activate your travel insurance​

​You will also qualify if the $500 worth of prepaid travel costs is redeemed using CommBank Awards points.​ You will need to provide a copy of the letter/statement/email confirming the redemption.​

​For World Debit MastercardTM ​

You need to activate your insurance to receive comprehensive cover.  ​

Overseas Medical cover, which includes overseas emergency medical assistance and hospital expenses and personal liability cover is automatically included.  

Is it the right type of coverage for you?

Every insurer offers different level of coverage for different things. Just as you would when looking to take out any other insurance policy, check what you would – and would not – be covered for with the credit card’s included international travel insurance. Key things worth knowing include:

• Who is covered?
• What are the cover limits?
• What are the excesses?
• Are there any exclusions?
• Are you covered for any pre-existing medical conditions?

If there are some specifics you want to be covered for – to cover emergency rescue caused by extreme weather conditions during a skiing trip, for example – with the international travel insurance available with some CommBank credit cards you can add them in for a cost and effectively top up your insurance policy.

Does the included international travel insurance need to be activated?

Every policy is different, but it’s likely you’ll need to activate the travel insurance on your credit card before you travel.

With CommBank, you can easily activate your credit card’s included international travel insurance in  NetBank  or through the CommBank app^. We’ll then provide you with a unique policy number and Certificate of Insurance and comprehensive coverage – including for cancellation fees and lost deposits.

CommBank emergency details

• Lock, Block, Limit  your  CommBank credit card  or lock your Travel Money Card for added security
• Cancel and order replacement CommBank cards in NetBank or the CommBank app
• Call us 24/7 on +61 2 9999 3283 to report lost or stolen CommBank cards

For 24 hour travel insurance emergency assistance, call Cover-More in Australia direct and toll free on +61 2 8907 5641. You can also call from:

• Canada on 1844 345 1662
• New Zealand on 0800 632 031
• UK on 0808 234 3737
• USA on 1844 345 1662

Charges apply if calling from a pay phone or a mobile phone.

Explore our range of travel insurance products

Tell me more

Things you should know

This article is intended to provide general information of an educational nature only. It does not have regard to the financial situation or needs of any reader and must not be relied upon as financial product advice.

Insurance issued and managed by Cover-More Insurance Services Pty Ltd (AFSL 241713, ABN 95 003 114 145) on behalf of the insurer Zurich Australian Insurance Limited (AFSL 232507, ABN 13 000 296 640) for Commonwealth Bank of Australia (‘CBA’) (ABN 48 123 123 124, AFSL 234945). CBA and its related bodies corporate do not issue or guarantee this insurance. It does not represent a deposit with or liability of either CBA or any of its related bodies corporate.

# For eligible credit cards, you will need spend at least $500 in a single transaction on your prepaid travel costs (e.g. the cost of your return overseas travel ticket, prepaid accommodation, cruise, travel or tour) by charging the cost for that trip on your eligible card account before leaving Australia and activate to receive any cover, including Overseas Medical cover. You will also qualify if the $500 worth of prepaid travel costs is redeemed using CommBank Awards points. You will need to provide a copy of the letter/statement/email confirming the redemption.

Terms, conditions, exclusions, (including for pre-existing medical conditions and persons aged 80 years or over for international travel insurance included with an eligible CommBank credit card or persons aged 74 years or over for CBA Travel Insurance) limits and excesses apply.

Before activating the international travel insurance included in your CommBank credit card please read the  Credit Card Insurances Product Disclosure Statement and Information Booklet  for more information.

If you have activated international travel insurance included in your CommBank credit card on or before 6 February 2024, please refer to the Credit Card Insurances Product Disclosure Statement and Information Booklet – effective 2 June 2023 .

Before activating the international travel insurance included in your World Debit Mastercard, please read the  World Debit Mastercard insurances Product Disclosure Statement and Information Booklet (PDF)  for more information.

Before making a decision on CBA Travel Insurance please read the  CBA Travel Insurance Combined Product Disclosure Statement and Financial Services Guide  for more information. 

We (CBA) do not provide any advice on this insurance based on any consideration of your objectives, financial situation or needs. If you purchase or upgrade a policy, we (CBA) receive a commission which is a percentage of your premium.

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Complimentary Insurances

To make a claim and to check or get confirmation of your eligibility for international travel insurance, we encourage you go online to Allianz Global Assistance . International travel insurance claims can be lodged online 24 hours a day, 7 days a week. Alternatively, you can contact them on 1800 091 710 .

Making a claim

If you want to make a claim under this policy, you must:

Whilst you are overseas:

• Phone: +61 7 3305 7468
• Online: insurance.agaassistance.com.au/westpac
• Email: [email protected]  

Allianz Global Assistance will request documentation to confirm your eligibility and process your claim.

If you are in Australia , (or when you return to Australia) you should follow the steps listed below.

Contact Allianz Global Assistance on 1800 091 710  as soon as possible of returning home from overseas or interstate (even if you have previously reported the matter to Allianz Global Assistance), or if you are already home, contact us as soon as possible of learning of an occurrence (loss, damage or breakdown) that may result in a claim.

Want to know more?

Things you should know.

Westpac Credit Cards Complimentary Insurance Policy (PDF 898KB)

4. Complimentary insurance covers:  AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631, trading as Allianz Global Assistance (AGA), under a binder from the insurer, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 (Allianz), has issued an insurance group policy to Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714 (Westpac) which allows eligible persons to claim under it as third party beneficiaries. Access to the benefit of cover under the Credit Card Complimentary Insurance is provided to eligible Westpac cardholders by operation of s48 of the Insurance Contracts Act 1984 (Cth). If an eligible persons wishes to claim any of these benefits, they will be bound by the eligibility criteria, terms, conditions, limits and exclusions contained in the Complimentary Insurance Policy Information booklet (PDF 898KB)  which may be amended from time to time. This insurance is underwritten by Allianz. Westpac does not guarantee this insurance. This information does not take your personal objectives, circumstances or needs into account. Consider its appropriateness to these factors before acting on it.

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Many of the credit card offers that appear on this site are from credit card companies from which we receive financial compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). However, the credit card information that we publish has been written and evaluated by experts who know these products inside out. We only recommend products we either use ourselves or endorse. This site does not include all credit card companies or all available credit card offers that are on the market. See our advertising policy here where we list advertisers that we work with, and how we make money. You can also review our credit card rating methodology .

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• Amex Gold Card

Amex Gold Card: Maximizing Your Car Rental Insurance & Benefits

Christine Krzyszton

Senior Finance Contributor

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Keri Stooksbury

Editor-in-Chief

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Director of Operations & Compliance

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Why We Like the Card Overall

What is car rental loss and damage insurance, standard car rental coverage — what’s covered, premium car rental protection coverage — what’s covered, who’s covered, what’s not covered, filing a claim, additional car rental and travel insurance benefits, final thoughts.

We may be compensated when you click on product links, such as credit cards, from one or more of our advertising partners. Terms apply to the offers below. See our Advertising Policy for more about our partners, how we make money, and our rating methodology. Opinions and recommendations are ours alone.

One of the most valuable travel benefits you can get from a credit card is car rental insurance. Car rental insurance can save you money and provide peace of mind while renting a vehicle.

You’ll save money by not having to purchase the rental agency’s CDW/LDW coverage and you’ll be assured of having coverage for damage, theft, and loss of use when using your card to pay for the rental.

The American Express ® Gold Card is a solid rewards-earning card that comes with complimentary car rental loss and damage insurance.

See how Amex Gold card car rental coverage works, additional options for securing premium coverage, some of the exclusions you’ll need to be aware of, and how to file a claim.

Amex Gold Card Snapshot

Before we discuss the Amex Gold card’s car rental insurance benefits, let’s look at an overview of the card, its benefits, rates, and fees.

American Express ® Gold Card

This is the best card for food lovers who dine out at restaurants (worldwide), order take-out and want big rewards at U.S. supermarkets!

The American Express ® Gold Card  is a game-changer.

With this card, you can earn 4x Membership Rewards points at restaurants and you’ll also earn 4x Membership Rewards points at U.S. supermarkets on up to $25,000 per calendar year in purchases, then 1x.

There isn’t another card on the market that offers a 1-2 punch like this. Of course, there are several other benefits of the Gold Card as well, including extra monthly dining rewards and more.

• 4x points per dollar at restaurants, plus takeout and delivery in the U.S.
• 4x points per dollar at U.S. supermarkets, up to $25,000 per calendar year in purchases; and 1x thereafter
• 3x points per dollar on flights purchased directly from airlines or at Amex Travel
• Up to $120 annual dining credit: up to $10 monthly statement credit when you pay with the Amex Gold card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com , Milk Bar and select Shake Shack locations
• Up to $120 in annual Uber Cash : get $10 monthly in Uber Cash for Uber Eats orders or Uber rides in the U.S. when you add your Gold Card to your Uber account
• No foreign transaction fees (see rates and fees )
• Access to Amex’s The Hotel Collection
• Access to American Express transfer partners
• $250 annual fee (see rates and fees )
• No lounge access
• Earn 60,000 Membership Rewards ® points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership.
• Earn 4X Membership Rewards ® Points at Restaurants, plus takeout and delivery in the U.S., and earn 4X Membership Rewards ® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
• Earn 3X Membership Rewards ® points on flights booked directly with airlines or on amextravel.com.
• $120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.
• $120 Dining Credit: Satisfy your cravings and earn up to $10 in statement credits monthly when you pay with the American Express ® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and select Shake Shack locations. Enrollment required.
• Get a $100 experience credit with a minimum two-night stay when you book The Hotel Collection through American Express Travel. Experience credit varies by property.
• Choose the color that suits your style. Gold or Rose Gold.
• No Foreign Transaction Fees.
• Annual Fee is $250.
• Terms Apply.

Financial Snapshot

• APR: See Pay Over Time APR
• Foreign Transaction Fees: None

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• Find the Amex Gold 75k or 90k Welcome Bonus Offer
• Benefits of the Amex Gold
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Hot Tip:  Check to see if you’re eligible for a welcome bonus offer of up to 90,000 points with the Amex Gold card. The current public offer is 60,000 points. (This targeted offer was independently researched and may not be available to all applicants.)

We like that the card functions well as an everyday spending card with 4x Membership Rewards points for each dollar spent at restaurants and at U.S. supermarkets . The card also serves as a travel rewards card by earning 3x points on flights booked directly with the airline and at AmexTravel.com .

At redemption time, you’ll have several options including redeeming points for flights via AmexTravel.com or the Amex transfer partners for even greater potential value.

With a generous welcome offer and statement credits for select purchases, there’s plenty of value to be realized with the card.

Now, let’s look specifically at the card car rental insurance benefit, how it works, and additional coverage options.

When renting a vehicle, you need to select the level of insurance you want to have during the rental period. Some coverages are optional, while others are mandatory and vary by rental agency.

The car rental coverage that comes on your credit card, including the Amex Gold card, is meant to replace the collision damage waiver (CDW) or loss damage waiver (LDW) coverage that you would normally need to purchase when renting a vehicle.

Car rental coverage that comes on a credit card is not meant to replace other coverages such as liability insurance. Fortunately, liability insurance is generally included in the rental agreement or is offered for a small fee.

There are 2 types of car rental coverages that are offered on credit cards: secondary or primary. Secondary coverage requires you to first file a claim with any other insurance that may be applicable before your card coverage kicks in. Primary coverage  takes over immediately without having to first file a claim with other insurance.

Amex Gold Card — Car Rental Loss and Damage Insurance

The Amex Gold card comes with secondary car rental insurance with the option to purchase primary coverage for a flat fee per rental period. Here’s how both types of coverages work.

Here are the coverages you can expect to receive with the complimentary secondary car rental coverage that comes on the Amex Gold card:

• Car rental coverage for up to 30 consecutive days
• Up to $50,000 for damage or theft of the rental vehicle
• Coverage will be the lesser of the cost to repair the vehicle or the wholesale book value or purchase price (minus depreciation/salvage)
• Reasonable and customary charges for the rental vehicle’s loss of use

Coverage does not include liability insurance, uninsured motorists, under-insured motorists coverage, or disability.

American Express Premium Protection offers elevated primary car rental coverage for a modest additional fee. You’ll pay just $12 to $24.95 total for coverage that lasts the entire rental period, up to 42 consecutive days.

Let’s compare this premium protection to the primary car rental coverage that comes with the Chase Sapphire Preferred ® Card , a card known for having some of the best complimentary car rental insurance .

To add Premium Protection to your card, log in to your online card account and under the Rewards and Benefits tab, select Benefits. Under Benefits, select Premium Car Rental Protection to enroll your card. You will not be charged for the coverage until you use your card to rent a vehicle. Pricing will vary depending on your state of residence and the level of coverage you select.

Bottom Line: The Amex Gold card comes with complimentary secondary car rental insurance. For one low rate that covers the entire rental period (up to 42 consecutive days), you can have primary premium car rental coverage that compares with some of the best credit card car rental insurance available. 

Requirements To Activate Coverage

To activate either the standard car rental coverage that comes with the Amex Gold card or Premium Protection, you must reserve and pay for the entire rental with your card . You can also use Membership Rewards points or a combination of your card and points and still have coverage.

You must then decline the CDW/LDW coverage that is offered by the rental agency . You can purchase liability coverage from the rental agency, however, as the coverage on the card does not cover liability.

Card members, spouse/domestic partners, and authorized drivers are covered under the car rental coverage offered by the Amex Gold card. The card member, spouse, or domestic partner must sign the rental agreement and any authorized drivers must be listed on the rental agreement in order to have coverage.

Hot Tip: There is no cost to add up to 5 authorized users to your Amex Gold card . Authorized users receive complimentary secondary car rental insurance when renting a vehicle and can also purchase Premium Protection. 

Here is just a sampling of events that are not covered by the standard secondary car rental coverage that comes with the Amex Gold card:

• Expenses covered by the renter’s personal insurance
• Illegal use, intoxication, drug use
• Off-road use, intentional damage
• Property damage or liability
• Theft of an unlocked vehicle
• Using the vehicle in violation of the terms of the rental agreement
• Vehicles in Australia, Italy, New Zealand, and any other country subject to sanctions by the Office of Foreign Assets Control
• War/acts of war

In addition, these types of vehicles are excluded from coverage:

• Cargo vans, custom vans, and vans that seat more than 8 people
• Cars 20 years old or more
• Limousines, off-road vehicles, motorcycles, mopeds, RVs, golf carts, campers, trailers
• Trucks with a weight rating of over 10,000 pounds
• Vehicles used for commercial purposes

Please note that these exclusion descriptions are abbreviated and the list is not inclusive of all events and vehicle types for which coverage is not provided. Additional information can be found in the Amex Gold card’s Car Rental Loss and Damage Insurance Plan Documents.

You’ll want to report any incident as soon as possible after it happens, but no longer than 30 days past the event. You’ll then have 60 days to provide the required supporting documentation.

You can submit a claim online at americanexpress.com/protectionbenefits to complete a claim form, call 800-338-1670 from the U.S., or call 303-273-6497 collect if outside of the U.S. You’ll be asked to provide proof of the loss with some or all of the following documents.

• Itemized repair bill
• Copy of the rental agreement
• Copy of the charge slip showing the car rental charge
• Copy of any other applicable car insurance or a notarized statement stating no insurance
• Copy of your driver’s license
• Copy of the police report, if applicable
• Other supporting documentation that may be requested

It can also be useful to have photos of the damage.

Everything Else You Need To Know

The Plan Documents for standard secondary car rental coverage that comes complimentary on the Amex Gold card state that no coverage is provided for vehicles rented from “companies that offer vehicle sharing or peer to peer arrangements which allow independent owners to rent personal vehicles.”

There is no deductible for the coverage that comes with the card.

When traveling outside of your country of residence, it’s always good to request a letter of coverage via the claims administrator to present to the rental agency to show proof of coverage when renting a vehicle.

Be sure to take advantage of these car rental company benefits for American Express cardholders, including the Amex Gold card:

• Hertz — Receive a 10% discount on Hertz rentals worldwide and a 1-car upgrade on rentals of 5 days or more. Use code 705500.
• Avis — Receive Avis benefits of up to 15% off your rental and a 1-car upgrade voucher.
• National Car Rental — Receive National benefits such as an automatic upgrade to Emerald Club Executive status, up to a 25% discount on your rental, and associated benefits.

Before renting a vehicle from any car rental company, be sure to ask about American Express-related discounts and perks.

The Amex Gold card also comes with these additional complimentary travel insurance benefits :

• Trip Delay Insurance — If a trip that is paid for with your card is delayed for more than 12 hours for a covered reason, you could receive up to $500 per person.
• Baggage Insurance Plan — If your luggage is lost or stolen, you could receive up to $1,250 per person for carry-on luggage and up to $500 for checked.
• Global Assist Hotline — Get help 24/7, when traveling more than 100 miles from home, for medical, legal, financial, or emergency assistance services, passport replacement, and more. The cardholder is responsible for actual services received from the service provider.

Many credit cards come with secondary car rental coverage, but American Express cards, including the Amex Gold card, have the option to purchase a Premium Protection package. The cost is minimal and covers the entire rental period, so it makes sense to take advantage of this option.

You’ll also have coverage for up to 42 consecutive days versus 31 days with most other credit cards.

To learn more about the best credit cards for car rental insurance , you’ll want to read our additional article on this topic.

For the car rental collision damage coverage benefit of the American Express ® Gold Card, car rental loss and damage insurance can provide coverage up to $50,000 for theft of or damage to most rental vehicles when you use your eligible card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the commercial car rental company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car rental loss or damage coverage is offered through American Express Travel Related Services Company, Inc. For the trip delay insurance benefits of the American Express ® Gold Card, up to $300 per covered trip that is delayed for more than 12 hours; and 2 claims per eligible card per 12 consecutive month period. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company. For the baggage insurance plan benefit of the American Express ® Gold Card, baggage insurance plan coverage can be in effect for covered persons for eligible lost, damaged, or stolen baggage during their travel on a common carrier vehicle (e.g. plane, train, ship, or bus) when the entire fare for a ticket for the trip (one-way or round-trip) is charged to an eligible account. Coverage can be provided for up to $1,250 for carry-on baggage and up to $500 for checked baggage, in excess of coverage provided by the common carrier (e.g. plane, train, ship, or bus). For New York State residents, there is a $10,000 aggregate maximum limit for all covered persons per covered trip. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. For the Global Assist Hotline benefit of the American Express ® Gold Card, you can rely on Global Assist Hotline 24 hours a day / 7 days a week for medical, legal, financial or other select emergency coordination and assistance services while traveling more than 100 miles away from your home. Third-party service costs may be your responsibility. Eligibility and benefit level varies by card. terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for more details. Card Members are responsible for the costs charged by third-party service providers.

For rates and fees of the American Express ® Gold Card, click  here .

Frequently Asked Questions

Does the amex gold card come with car rental insurance.

Yes. The Amex Gold card comes with complimentary secondary car rental insurance. Secondary car rental insurance requires that you first submit a claim to any other applicable insurance before card coverage kicks in.

The card also has the option of purchasing primary Premium Car Rental Protection for just one low rate that covers the entire rental period, up to 42 consecutive days.

How long is the car rental insurance on the Amex Gold card good for?

The complimentary secondary car rental insurance that comes with the Amex Gold card offers coverage for up to 31 consecutive days. If you purchase the additional Premium Protection, coverage is good for up to 42 consecutive days.

Does the car rental coverage on the Amex Gold card cover liability?

No. there is no car rental liability coverage that comes with the Amex Gold card. The rental agency generally includes this coverage in the rental fee or charges a nominal fee for the coverage.

Which car rental coverage do I decline at the rental agency in order to have coverage with the Amex Gold card?

You would decline the collision damage waiver (CDW) or the loss damage waiver (LDW) insurance that is offered for an additional fee by the car rental agency in order to activate car rental coverage that comes with the Amex Gold card.

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About Christine Krzyszton

Christine ran her own business developing and managing insurance and financial services. This stoked a passion for points and miles and she now has over 2 dozen credit cards and creates in-depth, detailed content for UP.

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Complimentary international travel insurance

Check your eligibility and policy coverage or make a claim on your complimentary international travel insurance through Allianz Global Assistance (AGA).

Changes effective 1 November 2023

Please read this summary of changes to understand how it will affect your complimentary card insurance policy.

Key features

If your NAB card offers complimentary international travel insurance, here are a few reasons to use that feature.

Simple claims process

Make a claim online, even if you’re overseas.

Simple eligibility check

With  Allianz Global Assistance’s eligibility portal , opens in new window , you can easily check if your card is eligible for up to five complimentary insurances including international travel insurance (for persons aged under 81 years).

No need to get a quote

Your insurance is complimentary with eligible NAB cards, so no need to get quotes or apply.

Eligible NAB cards

The following NAB cards include complimentary international travel insurance.

On sale cards

• NAB Qantas Rewards Signature Card
• NAB Qantas Rewards Premium Card
• NAB Rewards Signature Card
• NAB Rewards Platinum Card
• NAB Low Fee Platinum Card
• NAB Platinum Visa Debit Card

Off sale cards

• NAB Premium Card
• NAB Velocity Rewards Premium Card
• NAB Flybuys Rewards Card
• NAB Low Rate Platinum Card
• NAB Qantas Plus Card

Eligible purchases

To be eligible, you’ll need to reside in Australia and:

• charge at least $500 of your prepaid travel costs to the accountholder’s card account before leaving Australia
• have a return overseas travel ticket before leaving Australia
• be aged under 81 years at the time you become eligible for the cover by meeting the conditions above.

You can check if you are eligible for complimentary insurance by using the Allianz Global Assistance eligibility portal , opens in new window .

Policy coverage

The below is a limited summary only. Terms, conditions, exclusions, limits, sub-limits and excesses apply.

You, your spouse and your dependants may be covered by this policy if the eligibility criteria is met. Eligibility criteria, terms, conditions, exclusions, limits and applicable sub-limits apply.

For the full list of benefits and the terms, conditions, exclusions, limits, applicable sub-limits and excesses that apply, please read the  NAB Card Insurance Policy Information Booklet Effective 1 November 2023 (PDF, 489KB) , opens in new window .

What may be covered

Below is a limited summary only. For the full list of benefits and the terms, conditions, exclusions, limits, applicable sub-limits and excesses that apply, please read the  NAB Card Insurance Policy Information Booklet Effective 1 November 2023 (PDF, 489KB) , opens in new window .

Here are examples of what this insurance is designed to cover for eligible customers.

For people aged under 81 years

The below information is a limited summary only and are subject to applicable terms, conditions, exclusions, limits, sub-limits and excesses that may apply.

overseas emergency assistance and medical expenses

accidental death and loss of income

cancellation

travel delay and alternative transport expenses

luggage and luggage delay

rental vehicle excess

personal liability

Epidemic and pandemic cover

Below is a limited summary only and are subject to applicable terms, conditions, exclusions, limits, sub-limits and excesses that may apply.

COVID-19 cover may be available under selected sections of the international travel insurance section.

For more information about epidemics and pandemic coverage (such as COVID-19), please read the  NAB Card Insurance Policy Information Booklet effective 1 November 2023 (PDF, 489KB) , opens in new window .

If, during the period of cover available, you (including your spouse and/or dependants who are eligible for cover) are positively diagnosed as suffering a sickness recognised as an epidemic or pandemic, such as COVID-19, cover may be available to you under the following sections:

1.1 Overseas Emergency Assistance (including Medical Evacuation and Repatriation)

1.2 Overseas Emergency Medical

2.1 Cancellation

3.1 Additional Expenses

If your travel companion is positively diagnosed as suffering a sickness recognised as an epidemic or pandemic, such as COVID-19, which impacts your journey, cover may be available to you under the following sections: 

2.1 Cancellation 

Terms, conditions, exclusions, limits and applicable sub-limits apply. Please read the  NAB Card Insurance Policy Information Booklet effective 1 November  2023 (PDF, 489KB) , opens in new window  including Part D – General Exclusions and the exclusions set out in each of the above sections.

What isn’t covered

Below is a limited summary only.

For the full list of benefits and the terms, conditions, exclusions, limits, applicable sub-limits and excesses that apply, please read the  NAB Card Insurance Policy Information Booklet effective 1 November 2023 (PDF, 489KB) , opens in new window .

Examples of what’s not covered include claims arising directly or indirectly because of:

• any pre-existing medical condition of any person including you, your travel companion or a relative unless Allianz Global Assistance has confirmed in writing to you that the pre-existing medical condition causing your claim is covered by the Group Policy. Before going overseas, you can apply for assessment of whether your pre-existing medical condition is covered by the group policy online or over the phone. If after assessment, Allianz Global Assistance confirm to you that your pre-existing medical condition is covered by the group policy, you will need to pay an administration fee of $75.
• childbirth at any gestation (except when arising from an injury or sickness) and pregnancy related sickness if you have had complications in your pregnancy before you became eligible for cover  
• your participation in any dangerous activities or your exposure of yourself to danger unless in an attempt to preserve your life or the life of another person

Other complimentary insurances

If you have an eligible NAB card, and make an eligible purchase, these complimentary insurances are also available.

Complimentary domestic travel insurance

Learn what you need to know about your domestic travel insurance.

Complimentary rental vehicle excess insurance in Australia

How to make a claim, check eligibility and understand your policy.

Complimentary extended warranty insurance

Learn about policy coverage, eligibility and the simple claims process for your extended warranty insurance.

Complimentary purchase protection insurance

What you need to know about your policy coverage, eligible purchases and claims.

How to make a claim

If you’re making a claim on your travel insurance, the easiest way to claim is by using the online claims portal. For claims relating to any other type of cover (including domestic travel insurance), please contact our team via email or phone.

For claims relating to international travel insurance only , you can submit an online claim.

Download the relevant form and email our insurance provider Allianz Global Assistance.

Call Allianz Global Assistance (AGA)  Monday to Friday, 8:00am to 7:00pm (AEST/ADST) .

Australia:  1800 187 025

Emergency assistance is available 24 hours a day, seven days a week. Calls from mobiles, public telephones or hotel rooms may attract additional charges.

Australia:  1800 010 075

Overseas:  +61 7 3305 8800

Important Information

Terms and conditions.

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AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631, trading as Allianz Global Assistance (AGA), under a binder from the insurer, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 (Allianz), has issued an insurance group policy to National Australia Bank Limited ABN 12 004 044 937 AFSL and Australian credit licence 230686 (NAB) which allows eligible persons to claim under it as third-party beneficiaries. 

Access to the benefit of cover under the NAB card insurances is available to eligible NAB cardholders and other eligible third-party beneficiaries by operation of s48 of the Insurance Contracts Act 1984 (Cth). Any advice on insurance is general advice only and not based on any consideration of your objectives, financial situation or needs. You must check whether or not it is appropriate, in light of your own circumstances, to act on this advice. The insurance is underwritten by Allianz. NAB is not the product issuer or insurer and neither it nor any of its related bodies corporate guarantee any of the benefits under this cover. If an eligible person wishes to claim any of these benefits, they will be bound by the eligibility criteria, terms, conditions, exclusions, limits and applicable sub-limits of the group policy set out in the  NAB Card Insurance Policy Information Booklet effective 1 November 2023 (PDF, 489KB) , opens in new window , which may be amended from time to time. For insurable events that occurred prior to 1 November 2023, please refer to the  NAB Card Insurance Policy Information Booklet dated 30 June 2022 (PDF, 604KB) , opens in new window .

For more information about the changes visit Information about changes to complimentary insurances .