amex platinum travel insurance australia

Travel Alert – Important information regarding the Coronavirus (COVID-19), please  click here

IMPORTANT INFORMATION REGARDING COVID-19

• Where there are no applicable advisories issued by the New Zealand government or a New Zealand government agency (such as MFAT) to “Do not travel overseas” or “Do Not Travel” or that borders are closed, this Policy will provide limited cover for costs incurred from having to cancel Your Journey or One Way Trip to an approved country because You contracted Coronavirus Disease 19 (COVID-19). The Policy also provides limited cover for Journey curtailment, overseas medical expenses, and mortal remains repatriation because You contracted COVID-19 in an approved country. The list of approved countries is specified below. See Section 19 – COVID-19 Cover of this Policy for full details of the cover, as well as the limits that apply as specified in the Schedule of Benefits.
• Apart from the limited cover provided in Section 19 – COVID-19, this Policy does not cover and We will not (under any other section of the Policy) pay for claims of any kind directly or indirectly arising from, relating to or in any way connected with the Coronavirus Disease 19 (COVID-19) (or any mutation or variation thereof) and/or its outbreak. To the extent that any term or condition in the Policy may be inconsistent with this exclusion, this exclusion shall prevail.
• The approved countries are: Australia, Armenia, Azerbaijan, Bahrain, Bangladesh, Bhutan, Brunei, Cambodia, China, Fiji, Georgia, Hong Kong, India, Indonesia, Iraq, Israel, Japan, Jordan, Kazakhstan, Kuwait, Kyrgyzstan, Laos, Lebanon, Macao, Malaysia, Maldives, Marshall Islands, Micronesia, Mongolia, Myanmar, Nepal, New Zealand, Northern Cyprus, Oman, Pakistan, Palestine, Papua New Guinea, Philippines, Qatar, Samoa, Saudi Arabia, Singapore, Solomon Islands, South Korea, Sri Lanka, Taiwan, Tajikistan, Thailand, Timor, Turkey, United Arab Emirates, Uzbekistan, Vanuatu, Vietnam and Yemen.

AMERICAN EXPRESS TRAVEL INSURANCE

Don’t travel without it

Cover for COVID-19

* This policy provides cover for costs incurred from having to cancel, curtail or change your trip because you contract COVID-19 and it is first diagnosed after the policy is issued. The Policy also provides cover for overseas medical emergency expenses incurred on your overseas trip, and transportation of remains or burial if you die during your trip, as a result of you having contracted COVID-19 which was first confirmed or diagnosed while on Your Trip (unless you were COVID-19 positive when your trip began, or you travel against a government issued “Do Not Travel” warning or border closure). 

We do not cover trip cancellation, curtailment or change due to border closures caused by COVID-19. Limits apply and vary with each plan. See Policy Wording and PDS for full terms, conditions and exclusions.

• What is covered

Cover for COVID-19 

Cover for overseas medical expenses, emergency medical evacuation, and trip cancellation, curtailment or change, due to your Covid-19 diagnosis. See details above.

Medical Expenses

Provides cover for repatriation/evacuation, cost of overseas emergency medical treatment, emergency dental treatment and extra accommodation costs, in the event of a medical emergency while on your overseas trip. Excludes claims arising from pre-existing medical conditions.

Travel Inconveniences

The Policy provides cover if you need to cancel, curtail or change your trip due to certain unforeseen circumstances including injury or illness (excluding pre-existing medical conditions). The Policy also covers trip delay by providing additional hotel accommodation (room only) if your flight is cancelled or extensively delayed (waiting periods apply), as well as cover for lost or damaged personal baggage and travel documents (theft report required, limits and sub-limits apply, excludes items stolen if left unattended in a public place).

24-hour Worldwide Assistance

We support you with advice and assistance services 24 hours a day, seven days a week for medical or other emergencies while on your overseas trip and which are covered by the policy. 

Optional add-ons 

Options include snow sports cover, cruise cover and rental vehicle excess cover (additional premiums apply).

Cover for accidental death, hijack and kidnap cover, and cover for personal liability incurred, while on your overseas trip (excluding liability for use of vehicles or watercraft). Cover also provided for loss of income due to an overseas injury causing temporary total disablement

Travelling against Government advice? We will not cover losses, pay or reimburse any costs, under any section of this Policy, arising from circumstances where: (a) prior to the Issue Date specified on Your Certificate of Insurance in the case of a claim for Cancellation; or (b) prior to You starting a Trip for all other claims under the Policy; an Australian State, Territory or the Federal Government or a government agency (such as DFAT) issued a ‘Do Not Travel’ warning or advising that borders are closed, for the destination You planned to travel to. Please refer to who.int, smartraveller.gov.au, dfat.gov.au or other government sites for further information.

Travel Insurance

Protect yourself and your belongings when you travel with American Express Travel Insurance. You can choose from a range of plans and cover options.

Single Trip Insurance

Our Single Trip policies are designed to provide cover for a single trip away. You can choose from a number of different plans, such as Essential, Comprehensive or Ultimate.

Coverage Optional Add-Ons

You can select from a range of optional extra covers to customise your policy. These include Rental Vehicle Excess, Snow Sports Cover and Cruise Cover.

This frequently asked questions (FAQ) document has been prepared to address some frequent coverage queries relating to the American Express Travel Insurance Policy Wording and Product Disclosure Statement (PDS) . The FAQs are a summary only, they are not an exhaustive list of the coverage, terms, conditions or exclusions in the Policy.

Limits apply and vary with each plan. Please refer to the  Policy Wording and PDS  for further information on the terms, conditions and exclusions of the policy.

If I am diagnosed with COVID-19 during my overseas trip, will my overseas medical expenses be covered?

Yes, if you are first diagnosed with COVID-19 while on your overseas trip and require immediate medical treatment, cover is provided for the cost of medical treatment incurred overseas. Except where you were COVID-19 positive when your trip began, or you travel against a government issued “Do Not Travel” warning or border closure.

If I’m positive with COVID-19 when my trip begins, will I be covered for COVID-19 related medical expenses during my trip?

No, you’re not covered for medical expenses incurred during your trip if you were diagnosed with COVID-19 before your departure.

If I become ill with COVID-19 before or during my Trip, will I be able to claim for costs I incur for the Cancellation or Curtailment of my Trip?

Yes, cover is provided for costs arising from a necessary and unavoidable trip cancellation or curtailment as a result of an unforeseen illness (including COVID-19) where:

• you first contract and are diagnosed with COVID-19 after the policy is issued;
• a doctor confirms the illness in writing; and
• the illness is not a pre-existing medical condition.

I no longer want to travel because I am worried about the spread of COVID-19. Are my trip cancellation, curtailment or change costs covered?

No, cover is not available in this scenario. Simply no longer wishing to travel is not covered under the Policy.

If I need to cancel, curtail or change my trip due to a COVID-19 border closure as announced by any departure or destination government, am I covered?

No, cancellation due to COVID-19 government related travel advisories and/or border closures is not covered.

If I am diagnosed with COVID-19 after commencing my trip and subsequently issued with a quarantine order, will I be covered for the quarantine costs?

Yes, additional travel or accommodation expenses incurred are covered (within the benefit limitations) as a result of a mandatory quarantine order by a local government or public health authority. Except where you travel against a government issued “Do Not Travel” warning or border closure.

I have been classified by a public health authority as a close contact with a person diagnosed with COVID-19 and have been required to isolate as a result of this contact. Is there any benefit that I can claim?

No, cover is not available in this scenario.

Do I need to be vaccinated against COVID-19 to be eligible for the COVID-19 cover under this policy?

No, you do not need to have the COVID-19 vaccination to be eligible for cover under this policy. However, you will not be covered for any claim for cancellation, curtailment or trip change where you do not meet the vaccination protocols required by your transport provider or by any government authority (in Australia or at the destination) prior to departure.

Is there an option to purchase COVID-19 Cover on a stand-alone basis?

No, COVID-19 cover is not available on a stand-alone basis.

Are Pre-Existing Medical Conditions covered?

This policy does not cover any pre-existing medical conditions. If you have a pre-existing medical condition, this cover may not be right for you. Before you purchase a policy, you should consider whether a medical condition is considered pre-existing based on the definition of ‘Pre-Existing Medical Condition’ which is found on page 10 of the American Express Travel Insurance Policy Wording and Product Disclosure Statement (PDS).

What is a "Pre-Existing Medical Condition"?

A Pre-Existing Medical Condition generally means any medical or dental condition, illness, injury or disease that you previously required or continue to require treatment for, or that is under investigation at the time the policy is issued. It’s important to check the full definition of “Pre-Existing Medical Condition” on page 10 of the American Express Travel Insurance Policy Wording and Product Disclosure Statement (PDS) before making your purchase, as variable limits and time restrictions apply to specified conditions.

If I need medical treatment during my overseas trip, will my overseas medical expenses be covered?

Yes, if you suffer an unforeseen illness or injury on an overseas trip which requires immediate medical treatment, cover is provided for your medical expenses incurred overseas. It’s important to always check the American Express Travel Insurance Policy Wording and Product Disclosure Statement (PDS) , which excludes claims arising from pre-existing medical conditions and participation in certain sports.

Is cover provided for trip cancellation, curtailment or change due to a natural disaster at my intended travel destination?

Yes, provided there had been no official publication (prior to the purchase of the policy) warning that the natural disaster had occurred or was likely to occur. Please note that natural disasters do not include epidemics or pandemics (which are excluded under the policy).

I am unable to obtain my passport, entry visa or other required documentation in time and need to cancel my trip. Is this covered?

No, failure to hold or obtain all required documentation for your trip is not covered.

If I need to cancel my trip due to an illness or injury before my departure, am I covered?

Yes, cover is provided for trip cancellation which is necessary and unavoidable as a result of an unforeseen illness or injury as confirmed by a doctor in writing. The illness or injury must first be contracted or occur after the policy is issued. It’s important to check American Express Travel Insurance Policy Wording and Product Disclosure Statement (PDS) for details on pre-existing medical conditions which are not covered.

Is a video camera (or any other item) on loan or hire for the trip covered?

No, any items loaned, hired or entrusted to you are not covered

What happens if my luggage is delayed by the airline when I’m on my trip?

We will reimburse essential emergency clothing and toiletry expenses incurred (as required for a 24-hour period, up to the benefit amount under ‘Delay of Personal Baggage’ applicable to your chosen plan) if your luggage is delayed for 12 hours or more. If your luggage is delayed for more than 36 hours, the limit is increased up to the benefit amount under ‘Extended Delay of Personal Baggage’ applicable to your chosen plan.

Who is eligible for cover under the policy?

All people covered under the policy must be Australian residents and 79 years of age or younger. You must purchase your policy before your trip commences, and the trip must start and end in Australia.

When can I purchase my American Express Travel Insurance policy?

You can purchase the policy up to 12 months before your trip commences.

Will my policy be valid if I start or end my trip outside of Australia?

No. Your trip must begin and end in Australia for your policy to be valid.

Is there a maximum age on the policy?

Yes. Covered persons must be 79 years of age or younger before the date your policy is issued.

Do I need to undergo a medical examination to apply for the policy?

No. However, please note that pre-existing medical conditions are not covered.

Will I be covered if I purchased the policy after the commencement of my trip?

No. Cover is only applicable if your travel insurance is purchased before you start your trip.

Is there a maximum travel period on the policy?

Yes. The maximum trip duration is 180 consecutive days.

Is pregnancy covered under the policy?

The policy provides limited pregnancy cover. Pregnancy related claims are covered under the following sections of the policy:

• Overseas medical expenses cover - If you have a sudden and unexpected pregnancy related injury or illness which occurs before the end of the 23rd week of your pregnancy
• Trip cancellation and amendment cover - If you have a sudden and unexpected injury or illness arising from your pregnancy that a doctor confirms will prevent you from commencing or continuing the trip.

There is no cover for costs associated with childbirth or the health of a newborn child, or for claims arising from any pre-existing medical condition (including any medical condition related to a previous pregnancy or if you have experienced pregnancy complications prior to purchasing the policy).

If my flight is delayed, am I covered?

Yes. We will reimburse additional accommodation expenses (up to the benefit amount under ‘Delayed, cancelled, overbooked or missed onward flight’ applicable to your chosen plan) if your flight is delayed for 6 hours or more. If your flight is delayed for more than 30 hours, the limit is increased up to the benefit amount under ’Extended Delayed, cancelled, overbooked or missed onward flight’ applicable to your chosen plan.

Is there a cooling off period?

Yes. You may cancel your policy for any reason within 14 days of issue (cooling-off period). You will receive a full refund of the premium you paid, provided:

• you haven’t started your trip; or
• you haven’t made a claim; or
• you don’t want to make a claim or exercise any other right under the policy.

What is Chubb Assistance? How does it work?

Chubb Assistance is an emergency assistance service. Support is available for emergency advice and assistance services 24 hours a day, 7 days a week for medical or other emergencies while on your overseas trip and which are covered by the policy. In the event of a medical or similar emergency, simply call our emergency response team on +61 2 8907 5666 to get immediate assistance and help accessing vital services in your local area where covered by the policy

Further Questions?

Please contact Chubb on 1800 139 149 or email us on [email protected] for any questions you may have.

Any Questions?

Contact Chubb on 1800 139 149

(Monday - Friday: 8:30 am to 5:00 pm)

American Express Travel Insurance is issued and underwritten by Chubb Insurance Australia Limited ABN 23 001 642 020, AFSL № 239687 (Chubb) and distributed by American Express Australia Limited, ABN 92 108 952 085, AFSL № 291313 (American Express). Chubb and American Express only provide general advice and do not consider your objectives, financial situation or needs. To decide if this product is right for you, please read the American Express Travel Insurance Policy Wording and Product Disclosure Statement (PDS) . Terms, conditions, exclusions and sub limits apply. The Target Market Determination for this product can be found here . Please take this opportunity to also read the American Express Financial Services Guide (FSG) and Chubb Privacy Statement .

© American Express Company

Frequently Asked Questions

When can i purchase my american express travel insurance.

Single Trip:

You can purchase up to 9 months before your journey commences. Cover for Trip Cancellation and Amendment Cover is provided from the issue date (the date we agree to provide insurance) until the end of your period of insurance, as stated on your certificate of insurance.

All other cover starts from the start date (the date your journey begins) and continues until the end of your period of insurance.

What is the cooling off period?

You have fourteen (14) days from the time you are issued your certificate of insurance that you are covered under your policy to decide if this insurance meets your needs.

You may cancel it within the fourteen (14) days cooling-off period. You will receive a full refund of the premium you paid, provided:

If you request to cancel your policy outside the cooling-off period, we may:

• refund any unused proportion of your premium (from the date the refund request was received until the end date on your certificate of insurance); and
• minus any administration fee;

Are Pre-Existing Medical Conditions Covered?

This policy does not cover any pre-existing medical conditions . If you have pre-existing medical conditions, this cover may not be right for you. Before you purchase a policy, you should consider whether a medical condition is considered pre-existing based on within this policy.

Is there a maximum travel period that the American Express Travel Insurance Single Trip will cover?

Yes – the maximum journey period is 180 consecutive days.

Chubb Assistance is a 24 hour emergency help line. In the event of a medical or similar emergency overseas, you simply call (reverse charge) the number shown on the card (+61 2 8907 5666) and Chubb Assistance will assist in locating immediate assistance or vital services in your area.

We support you with emergency advice and assistance services 24 hours a day, seven days a week for medical or other emergencies covered by the policy. Our international resources and global network of skilled medical and travel specialists will be there for you in the event of an overseas emergency, giving you the help and support you need, when and where you need it.

In the event of a medical or similar emergency, simply call our emergency response team on +61 2 8907 5666 to get immediate assistance and help accessing vital services in your local area where covered by the policy.

I’m pregnant - Can I get cover?

If you are or become pregnant after the issue date on your certificate of insurance, you are covered for claims that arise from your pregnancy, under:

• if you have no elevated clinical risk factors: This injury or illness occurs before the end of the 23rd week of your pregnancy, which is calculated from the last known date of your menstrual period or calculated from staging ultrasound; or
• If you have elevated clinical risk factors: This injury or illness occurs before the end of the 19th week of your pregnancy, which is calculated from the last known date of your menstrual period or calculated from staging ultrasound; and
• is not otherwise excluded within the policy
• you have a sudden and unexpected injury or illness that prevents you from going on the trip, and
• such injury or illness is confirmed by medical evidence provided by a treating doctor, and
• is not otherwise excluded within the policy.

• United States
• United Kingdom

American Express complimentary travel insurance

You can get travel insurance for trips overseas and in australia with an american express card – here’s how it works..

In this guide

What American Express cards have complimentary insurance?

• What’s covered by American Express complimentary travel insurance?
• What’s not covered by this insurance?

What do I need to do to use this insurance?

Pre-existing medical conditions, how to make a claim, other types of complimentary insurance from american express, american express business and corporate card complimentary insurance options.

American Express offers complimentary travel insurance on a range of cards in Australia, as well as insurance options for your shopping. These policies are all underwritten by Chubb and have the potential to save you money on standalone policies.

Just like any insurance, you need to meet a set of conditions to get cover and make claims. That’s why it’s always good to read the insurance policy booklet. But if you just want an idea of cover, we’ve got some of the key details here.

Right now, American Express offers complimentary travel insurance on 6 personal cards in Australia. It also offers cover for purchases and other items. Here’s a look at the insurance you can get with personal Amex cards you can currently apply for:

Interested in Amex business cards? See details here .

What’s covered by American Express complimentary travel insurance?

The cover you get depends on the Amex card that you have and you’ll see details of exactly what applies to your card in its insurance policy booklet (available on the Amex website). But as a basic guide, you’ll typically get emergency medical cover, luggage and some cover for cancellations – including a few cards with cover for specific COVID-19 situations.

To give you an idea of the type of cover you can get, we’ve broken down the key types of benefits available, including cards that offer some form of cover and claim limits. But remember, you should always read the insurance policy booklet for your card to get full details.

If you have an American Express card that’s no longer available for new applications, log in to your American Express account or check the Amex website to see whether cover is available.

What’s not covered by this insurance?

All insurance policies have details of when you will and won't get cover, so check before you book a trip or make a claim. In the case of American Express complimentary travel insurance, some of the key situations that aren't typically covered include:

• If you haven't taken care or acted responsibly
• Pre-existing medical conditions, including ongoing dental issues, chronic illness and addictions
• Claims related to hazardous biological, chemical, nuclear or radioactive material, gas matter or contamination
• Insolvency of a travel company
• If you start a trip after an official government body has issued a travel advisory warning
• One-way trips if you can’t prove your plans to return to Australia
• Claims that arise after you’ve taken drugs (unless prescribed by a medical professional)

Remember: Each American Express complimentary insurance policy is different, so you should read the insurance policy document for your card to get full details.

Have a question about American Express complimentary travel insurance on your card? Call Chubb on 1800 236 023.

It can vary depending on the card, but the requirements generally include:

• Booking. You must book the full fare for a return trip on your American Express credit card or by using reward points earned through the card (e.g. American Express Membership Rewards, Qantas Points or Velocity Points). On some cards, such as the American Express Platinum charge card, you can also claim insurance if you have booked a trip using other rewards points, as long as you pay for taxes and other additional fees using your American Express card.
• Travel plans. Your travel must start and end in Australia and you need to show proof of your plans to return, for example, a return flight booking.
• Age. You must be under 80 years of age.

What if American Express isn’t accepted when I make my booking?

With most Amex cards, you won’t get cover if you can’t pay for your booking with the card or points earned through the card.

If you have an American Express Platinum Charge Card, you can still get complimentary travel insurance if you provide American Express and Chubb with proof of purchase and the name and address of the provider who would not accept your American Express card.

Does American Express credit card travel insurance cover family members?

The travel cover you get with an eligible American Express credit card also extends to your spouse and any dependent children, providing they meet the booking requirements and are travelling with you for the entire trip.

American Express outlines the following definitions for spouses and dependents:

• Spouse. A husband, wife, fiancé(e) or a de-facto and/or life partner with whom the American Express primary cardholder has continuously cohabited for a period of 6 months or more.
• Dependent child. A legally dependent child up to and including the age of 25, including a stepchild or legally adopted child, who is fully dependent on the American Express primary cardholder for financial support.

This complimentary travel insurance doesn't cover pre-existing medical conditions. In really simple terms, that means you won't get cover if you've seen a doctor or other qualified professional about a condition that causes issues overseas. It's the same if you're aware of a physical, medical, mental or dental condition before you travel.

There are some exceptions if you're pregnant, though:

• If you’re travelling overseas, you’ll be covered for unforeseen emergency medical treatment as long as it’s more than 8 weeks before your expected due date and is not related to any other pre-existing conditions (for example, gestational diabetes).
• If your card offers cancellation and amendment cover, you can claim for issues related to your pregnancy as long as it’s more than 8 weeks before your expected due date.

Note that this insurance won’t cover the actual birth of your child when you’re overseas. If you’re planning a trip during your pregnancy, make sure you read the insurance policy booklet to see exactly when you will and won’t get cover.

🔥 Hot tip

The easiest way to find details in the insurance policy booklet is to open your digital copy and use the "Find" tool (Ctrl+F or Cmd+F) to search for the terms. For example, “Pre-existing medical conditions”.

What is a pre-existing medical condition?

Travel insurance policies all have specific ways of looking at existing medical conditions, so it's really important you're aware of the actual definition they use.

As well as the summary above, we have included an example of the definition of a pre-existing medical condition from the current American Express Explorer card insurance policy document, effective from 15 March 2022 (page 19-20):

Pre-Existing Medical Condition means any physical defect, medical or dental condition, illness, injury or disease that:

Got a pre-existing health condition that's not covered? Check out travel insurance policies that offer cover for conditions including allergies, epilepsy and physical disabilities.

If you think you will need to make a claim, contact Chubb as soon as possible so that it can give you information that’s specific to your situation.

You can do this by calling +61 2 8907 5666 overseas (for emergencies) or 1800 236 023 in Australia.

The simplest way to submit your claim is online, using the following steps:

You can also get a claim form by calling Chubb.

What to include in your claim

With insurance claims, it's always good to include as much detail and supporting documentation as possible. It makes it easier for the insurer to look at the claim and your eligibility for a payout.

So when you're travelling overseas with this cover, try to get as much written or photo evidence as you can for any claim you need to make. This could include:

• A referral or letter from a doctor or other professional you see in relation to a claim
• Official medical reports
• Police reports
• Photos of damaged items
• Emails or letters from airlines that relate to a claim
• Receipts or other proof of purchase

Some types of claims will also ask for specific documentation, such as a police report if you’re submitting a claim for stolen valuables.

Use a travel wallet or online folder to keep all your important documents together. This could include your passport, itinerary, printed tickets, a copy of the Bankwest card insurance policy booklet – plus anything that could become supporting documentation for future claims.

Amex cards give you access to other types of insurance, also provided by Chubb. Below is a snapshot of the different types.

Card purchase cover

• What is it? Cover for the cost of a new item that is stolen or accidentally damaged. It covers most household and personal items such as laptops, shoes and jewellery. Exclusions include second-hand items, perishables, cash, computer software, vehicles and household fixtures such as dishwashers.
• When can I use it? If you have paid for the item with your eligible Amex card within 90 days before it is stolen or damaged, you can submit a claim. If you’ve only paid for part of the item with your Amex card, you can still make a claim but it will only cover the percentage paid for through the card.
• How can I make a claim? You need to show proof that you own the item and proof of damage or a police report for theft. Then, call Chubb on 1800 236 023 or submit your claim through the Chubb online claim portal. Note that there is a limit of up to $3,500 per item and $30,000 in any 365-day period.
• Is there an excess? A $50 excess applies for each claim.

Card refund cover

• What is it? Cover for new items worth more than $50 that you’ve bought in Australia when you can’t get a refund through the retailer.
• When can I use it? If you’ve used your Amex card to buy an item in the last 90 days and it’s unused, not faulty and the retailer won’t refund you. Note, that this does not cover second-hand items.
• How can I make a claim? Call Chubb on 1800 236 023 or submit your claim through the Chubb online claim portal. Note that there is a limit of up to $500 per item and $2,000 in any 365-day period.
• Is there an excess? No
• Buyer’s advantage cover
• What is it? Cover for the breakdown or defect of eligible items you buy in Australia if they had a manufacturer’s warranty that expired before the issue. You’ll get extra cover for the same period as the original warranty, up to a maximum of 1 year. For example, if you bought a laptop with a 12-month manufacturer's warranty and it stopped working for no reason after 12 months, you could make a claim under this cover.
• When can I use it? If you used your eligible American Express card to pay for an item and it came with an Australian manufacturer's warranty of between 7 days and 5 years. You can make a claim if something happens after the original warranty period has ended.
• How can I make a claim? Call Chubb on 1800 236 023 or submit your claim through the Chubb online claim portal. Note that there is a limit of up to $20,000 per item and up to $20,000 in any 365-day period.
• Is there an excess cost? No.

Smartphone screen cover

• What is it? Cover for your smartphone screen if it’s damaged after being accidentally dropped or hit by something.
• When can I use it? You need to have used your Amex card to pay for the most recent 3 months of your smartphone data plan, or have bought your new phone outright with the card to get cover. You can claim twice in any 365-day period.
• How can I make a claim? Call Chubb on 1800 236 023 or submit your claim through the Chubb online claim portal.
• Is there an excess cost? Yes, it’s calculated as 10% of the repair cost. For example, if it costs $250 to repair the screen, your excess would be $25.

If you get an Amex card for your business, You can get some form of complimentary travel insurance on the following Amex business and corporate cards:

Business cards

• American Express Qantas Business Rewards Card
• American Express Gold Business Card
• American Express Business Explorer Credit Card
• American Express Platinum Business Card
• American Express Velocity Business Card

Corporate cards

• American Express Qantas Corporate Card
• American Express Qantas Corporate Platinum Card
• American Express Corporate Gold Card
• American Express Qantas Corporate Gold Card
• American Express Corporate Platinum Card
• American Express Corporate Card

Similar to Amex cards for personal use, the amount of cover you get depends on the actual card.

For example, the American Express Business Card offers transport accident cover, card account balance waiver cover and business trip completion cover, while the American Express Platinum Business Card offers more comprehensive cover that includes:

• Transport accident cover
• Card account balance waiver cover
• Business trip completion cover
• Travel inconvenience cover
• Medical emergency expenses cover
• Resumption of journey cover
• Baggage, money and documents cover
• Travel cancellation cover
• Personal liability cover
• Loss of income cover
• Hijack cover
• Kidnap cover
• Purchase protection cover
• Refund protection cover
• Loss damage waiver cover
• Monthly business expenses cover

So if you’re interested in getting a credit card for your business and want complimentary insurance, check the card’s relevant complimentary insurance policy booklet on the Amex website for full details.

Want more complimentary insurance from your credit card? Compare cards from American Express , or check out other cards that offer insurance .

Amy Bradney-George

Amy Bradney-George was the senior writer for credit cards at Finder, and editorial lead for Finder Green. She has over 16 years of editorial experience and has been featured in publications including ABC News, Money Magazine and The Sydney Morning Herald.

More guides on Finder

This charge card offers expense management tools and is linked to both Qantas Business Rewards and Membership Rewards.

The American Express Qantas Business Rewards Card offers 175,000 bonus Qantas Points, no pre-set spending limit and perks including complimentary insurance.

Offers a $0 first-year annual fee, up to 2 Membership Rewards points per $1 spent and complimentary travel insurance.

The American Express Qantas Corporate card offers a combination of expense management tools and rewards for businesses with an annual turnover of $10 million or more.

A step-by-step guide on how to refer a friend through the American Express referral program to earn bonus Membership Rewards points.

The American Express Velocity Business Card earns points per $1 spent and offers complimentary travel insurance and two complimentary Virgin Australia lounge passes each year.

The American Express Velocity Platinum Card offers a range of frequent flyer benefits including a complimentary domestic return flight with Virgin Australia, airport lounge access and points per $1 spent.

From Membership Rewards Points to savings on first, business and premium economy class flights, this charge card is packed with features to help you manage business spending.

How does the huge bonus points offer, $450 annual travel credit and other platinum perks stack up against the Amex Platinum card’s annual fee?

The Qantas American Express Ultimate Card earns up to 2.25 Qantas Points per $1 spent, a yearly $450 travel credit and additional premium travel features.

Ask a Question

Click here to cancel reply.

You are about to post a question on finder.com.au:

• Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
• finder.com.au is a financial comparison and information service, not a bank or product provider
• We cannot provide you with personal advice or recommendations
• Your answer might already be waiting – check previous questions below to see if yours has already been asked

235 Responses

I have paid for all of my upcoming African Safari holiday on my AMEX Corporate Card. I have been told it comes with complementary travel insurance. Do I need to obtain some sort of cover letter for AMEX to carry with me?

Hi Neil, You can get a confirmation of insurance benefit letter by calling the insurance provider, Chubb, on 1800 236 023. You don’t need this letter if you’re eligible for cover but some tour companies and other travel organisations do require proof of insurance. Keep in mind that all Amex corporate cards have their own insurance policy documents. It’s important to refer to these to check what’s covered and who’s eligible for cover (if you haven’t already). I hope that helps.

I am booked with Singapore airlines to fly to Amsterdam on 26/4 returning 2/6/20, paid for by Amex platinum reserve credit card, I also booked hotels thru Booking .com. Since the Corona virus started my wife and I decided to cancel the trip to Europe, I bancelled most hotel bookings and received a full refund, however some will not refund the monies. Am I covered with the Amex pkatinum travel Ins please. Regards John

Thanks for your comment and I hope you are well. I’m sorry to hear you had to cancel your travel plans but I’m glad you’re taking precautionary measures for you and your wife’s health. It’s good to know that some of the suppliers refunded you for your trip. It’s helpful to know that no travel insurance will cover you for any Coronavirus related claim as it is a known event and is continuously evolving therefore how your insurance company responds this week might not be the same way it responds next month. If you have bought your policy before January 2020 and you want to know if your travel insurance covers Coronavirus, contact your insurer directly and ask how they handle this.

I hope this helps and I hope they find a good resolution for you! Be safe!

Best, Nikki

Does the American Express Essential Credit Card include complimentary travel insurance given that all criteria listed above is met?

Thank you for your comment.

According to our review, the American Express Essential Credit Card does not have a complimentary travel insurance. You should be able to find the list of American Express cards offering travel insurance from our American Express complimentary travel insurance review page.

Before applying, please ensure that you meet all the eligibility criteria and read through the details of the needed requirements as well as the relevant Product Disclosure Statements/Terms and Conditions when comparing your options before making a decision on whether it is right for you.

Regards, Jhezelyn

My family and I are travelling to Spain in September and renting a car with the Amex Business Green credit card. We want to know if the card insurance covers that rental.

Hi Maritere,

Thank you for getting in touch with Finder.

If you have an American Express Business credit card, it does not cover car rental insurance and does not offer complimentary travel insurance.

I hope this helps.

Thank you and have a wonderful day!

Cheers, Jeni

Ash Munoz G’day. Thanks for your speedy & peace of mind reply regarding travel insurance arrangements but do I need a reference number of sorts just in case——God forbid I may not need it. Kind regards Tony.

How likely would you be to recommend finder to a friend or colleague?

Our goal is to create the best possible product, and your thoughts, ideas and suggestions play a major role in helping us identify opportunities to improve.

Important information about this website

Advertiser disclosure.

finder.com.au is one of Australia's leading comparison websites. We are committed to our readers and stands by our editorial principles

We try to take an open and transparent approach and provide a broad-based comparison service. However, you should be aware that while we are an independently owned service, our comparison service does not include all providers or all products available in the market.

Some product issuers may provide products or offer services through multiple brands, associated companies or different labeling arrangements. This can make it difficult for consumers to compare alternatives or identify the companies behind the products. However, we aim to provide information to enable consumers to understand these issues.

How we make money

We make money by featuring products on our site. Compensation received from the providers featured on our site can influence which products we write about as well as where and how products appear on our page, but the order or placement of these products does not influence our assessment or opinions of them, nor is it an endorsement or recommendation for them.

Products marked as 'Top Pick', 'Promoted' or 'Advertisement' are prominently displayed either as a result of a commercial advertising arrangement or to highlight a particular product, provider or feature. Finder may receive remuneration from the Provider if you click on the related link, purchase or enquire about the product. Finder's decision to show a 'promoted' product is neither a recommendation that the product is appropriate for you nor an indication that the product is the best in its category. We encourage you to use the tools and information we provide to compare your options.

Where our site links to particular products or displays 'Go to site' buttons, we may receive a commission, referral fee or payment when you click on those buttons or apply for a product. You can learn more about how we make money .

Sorting and Ranking Products

When products are grouped in a table or list, the order in which they are initially sorted may be influenced by a range of factors including price, fees and discounts; commercial partnerships; product features; and brand popularity. We provide tools so you can sort and filter these lists to highlight features that matter to you.

Terms of Service and Privacy Policy

Please read our website terms of use and privacy policy for more information about our services and our approach to privacy.

• Credit cards
• View all credit cards
• Banking guide
• Loans guide
• Insurance guide
• Personal finance
• View all personal finance
• Small business
• Small business guide
• View all taxes

You’re our first priority. Every time.

We believe everyone should be able to make financial decisions with confidence. And while our site doesn’t feature every company or financial product available on the market, we’re proud that the guidance we offer, the information we provide and the tools we create are objective, independent, straightforward — and free.

So how do we make money? Our partners compensate us. This may influence which products we review and write about (and where those products appear on the site), but it in no way affects our recommendations or advice, which are grounded in thousands of hours of research. Our partners cannot pay us to guarantee favorable reviews of their products or services. Here is a list of our partners .

The Guide to AmEx Platinum Travel Insurance

Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money .

Table of Contents

When does the AmEx Platinum travel insurance kick in?

Amex platinum travel insurance benefits and limits, how to make an amex travel insurance claim, what if the card’s insurance benefits are insufficient, the platinum card® from american express travel insurance, recapped.

Travel insurance can provide peace of mind when you’re away from home, especially when you’ve spent significant money on your vacation. Although you can choose to buy a separate travel insurance policy, not everyone wants or needs to do so.

Many travel credit cards offer complimentary insurance for a variety of occurrences. The Platinum Card® from American Express offers travel insurance with a suite of benefits for eligible travelers, including coverage for trip interruption, rental car damage and lost luggage.

Let’s take a look at travel insurance on The Platinum Card® from American Express , its limits and the benefits it provides.

» Learn more: What is travel insurance?

So, does The Platinum Card® from American Express have travel insurance? The short answer to this is yes, but you’ll need to meet specific requirements for it to apply.

To get coverage from your card, you’ll need to use it to pay for your trip in its entirety. This is true whether you’re looking to utilize the trip insurance or the rental car insurance — you must pay for the full cost with The Platinum Card® from American Express .

Be aware of coverage limitations if you’re traveling using points or miles. While it’s possible to receive benefits when using your card to pay the taxes and fees on a reward redemption, coverage may not always apply.

You may still be covered for trip interruption, delay, and cancellation insurance when using points or frequent flyer miles.

However, rental car and baggage insurance only apply when you’ve used your card to pay for the full cost of whatever you’re buying — no points allowed. The exception is if you redeem American Express Membership Rewards to pay for some or all of the booking.

» Learn more: How does credit card travel insurance work?

We’ve included a breakdown of all the insurance benefits and other travel protections provided by The Platinum Card® from American Express .

Trip cancellation protection

The trip cancellation insurance you’ll receive will pay for any nonrefundable losses you incur due to a covered event.

Given the current climate, you may also be wondering: does The Platinum Card® from American Express travel insurance cover COVID? It can, depending on the reason you need to cancel. Covered events include quarantine imposed by a physician or illness for you, your family members or a traveling companion.

Other eligible events include a change in military orders, inclement weather or jury duty.

If you need to cancel your trip, AmEx will provide up to $10,000 per trip and a maximum of $20,000 every 12 months. Terms apply.

» Learn more: The guide to American Express travel insurance

Trip interruption coverage

As with trip cancellation protection, trip interruption insurance will reimburse you for nonrefundable losses by a covered event.

If your trip is interrupted, American Express will cover you for prepaid land, air and sea travel bookings you’ve missed. They’ll also pay for the cost of an economy-class ticket on the most direct route to rejoin your covered trip (or take you home).

The maximum benefit you’ll receive is $10,000 per trip and up to $20,000 every 12 months. Terms apply.

Trip delay insurance

As it sounds, trip delay insurance will reimburse you for expenses incurred when your trip doesn’t go as scheduled. In the case of The Platinum Card® from American Express , coverage kicks in after you’ve been delayed by at least six hours for a covered reason.

Covered purchases may include food, toiletries, lodging, medication and other personal use items. You’ll be reimbursed for up to $500 on a covered trip and can make two claims within a 12-month period. Terms apply.

Rental car insurance

The Platinum Card® from American Express provides secondary rental car insurance . This means it’ll kick in after other claims — like those made to your personal insurance — have been paid. To activate coverage, you’ll need to decline the insurance offered by the rental car company.

AmEx will provide up to $75,000 due to damage or theft of the rental vehicle, but be aware that the policy doesn’t provide liability insurance.

It’ll also give you up to $1,000 per person (max of $2,000) for personal property lost in the incident and up to $5,000 for accidental injury. Finally, you’ll receive up to $300,000 for accidental death or dismemberment, though the rates will vary depending on the severity of your injuries.

This rental car insurance is valid worldwide with a few notable exceptions, including Australia, Italy and New Zealand. Terms apply.

» Learn more: Credit cards that provide travel insurance

Baggage coverage

Cardholders and their families are eligible for baggage insurance provided they’ve paid for the fare using The Platinum Card® from American Express . This benefit is only for lost baggage; delayed luggage is not protected.

Coverage limits vary depending on whether you’ve checked your bag or carried it on:

Checked bags: Up to $2,000 per person.

Carry-on: Up to $3,000 per person.

Note also that checked baggage is only covered when you’re actually traveling with a common carrier. Meanwhile, carry-on luggage is also covered when traveling to and from or waiting at the terminal.

There are also specific limits for high-risk items such as jewelry and electronic equipment. For these items, you’ll receive a maximum of $1,000 per person per trip. Terms apply.

» Learn more: Baggage insurance explained

Premium Global Assist

What else does The Platinum Card® from American Express travel insurance cover? Although this last benefit isn’t technically a type of travel insurance, it’s worth including as it can offer help while you travel.

AmEx’s Premium Global Assist hotline is a 24/7 service that can assist you in various ways, such as helping you get a new passport, finding translation services and even arranging for emergency medical evacuation.

Although using Premium Global Assist is free, the services that you may end up using are not necessarily covered by AmEx.

There are exceptions to this — if you need repatriation of mortal remains, emergency medical evacuation or if a child under 16 is left without care, AmEx will provide aid at no additional cost. Terms apply.

To file a claim, you’ll need to contact your benefit administrator. The phone number and timeframe will vary according to the type of insurance you’re using:

Trip cancellation, interruption or delay insurance: Within 60 days, call 844-933-0648.

Baggage insurance: Within 30 days, call 800-228-6855 or online .

Rental car insurance: Within 30 days, call 800-338-1670 or online .

» Learn more: The guide to AmEx Platinum rental car benefits

If The Platinum Card® from American Express travel insurance doesn’t seem like it’ll be enough for your trip, or if its coverage doesn’t include features that you’d like to have, consider purchasing a separate travel insurance policy before you travel.

Several companies allow you to compare various policies for any vacation and modify inclusions as you shop.

» Learn more: How much is travel insurance?

The travel insurance offered by The Platinum Card® from American Express includes some pretty generous benefits for travelers, especially since it’s complimentary (the $695 annual fee notwithstanding). Terms apply.

If you want to take advantage of this insurance, pay for your trip using your AmEx card and double-check any other stated requirements before heading out to ensure coverage.

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...

• Car Finance
• Hire Purchase
• Novated Leasing
• Bad Credit Car Loans
• Car Loan Refinance
• Business Car Loans
• Australian Car Statistics
• Car Loan Repayments Calculator
• Compare Car Loans
• Average Car Loan Interest Rates
• How Much Can I Borrow?
• How to Get a Car Loan?
• Caravan Loans
• Motorbike Loans
• Jet Ski Loans
• Camper Trailer Loans
• Loans for Harley-Davidson
• Boat Loan Calculator
• Caravan Buying Checklist
• How to Choose a Motorbike?
• Top Tips to Choose a Right Boat
• Equipment Finance
• Chattel Mortgage
• Truck Finance
• Aircraft Finance
• Technology Finance
• Agriculture Finance
• Plant & Machinery Finance
• Operating Lease
• Unsecured Personal Loans
• Low-interest Personal Loans
• Debt Consolidation Loans
• Travel Loans
• Wedding Loans
• Bad Credit Loans
• Compare Personal Loans
• Personal Loan Calculator
• Personal Loans Eligibility
• Unsecured Business Loans
• Small Business Loans
• Invoice Financing
• Business Overdrafts
• Cashflow Lending
• Small Business Start-up Loans
• Compare Business Loans
• Business Loan Interest Rates
• First Home Buyers
• Buy Next Home
• Investment Home Loans
• Home Loan Refinance
• Bad Credit Home Loans
• Self Employed
• Construction Home Loans
• Compare Home Loans
• How to Choose a Home Loan?
• Home Loan Repayments Calculator
• Borrowing Power Calculator
• Balance Transfer
• Frequent Flyer
• No Annual Fee
• Master Card vs Visa Card
• Maximise Credit Reward Points
• Perks of Using a Credit Card
• Manage Your Debt with a Balance Transfer Card
• Small Personal Loan
• Quick Cash Loan
• Rental Bond Loan
• Car Repair Loan
• Furniture Loan
• Emergency Loan
• Rent Arrears Loan
• Bank Accounts
• Savings Accounts
• Term Deposits
• Business Bank Accounts
• Debit Cards
• Kids Savings Accounts
• Margin Loans
• Travel Money Cards
• Best International Money Transfers
• Send Money to India
• Send Money to USA
• Send Money to New Zealand
• Send Money to UK
• Send Money to Canada
• Superannuation
• Compare Super Funds
• Cryptocurrency
• Share Trading
• Forex Trading
• CFD Trading
• Comprehensive Car Insurance
• Third Party Fire and Theft Car Insurance
• Third Party Property Damage Car Insurance
• CTP Insurance
• Classic Car Insurance
• Car Insurance for Young Drivers
• Seniors Car Insurance
• How Do I Compare Car Insurance?
• How Much is Car Insurance?
• Types of Car Insurance in Australia
• Market Value Vs Agreed Value
• Car Insurance with Choice of Repairer
• Landlord Insurance
• Building Insurance
• Flood Insurance
• Contents Insurance
• Best Home Insurance
• Cheapest Home Insurance
• Professional Indemnity Insurance
• Public Liability Insurance
• Product Liability Insurance
• Domestic Travel Insurance
• Cruise Travel Insurance
• Single Trip Travel Insurance
• Seniors Travel Insurance
• Best Travel Insurance
• Cheap Travel Insurance
• Travel Insurance for Pre-Existing Conditions

What Does Travel Insurance Cover?

Why do i need travel insurance.

• Travel Insurance COVID-19
• Seniors Funeral Insurance
• Hospital Cover
• Extras Only Cover
• Singles Cover
• Couples Cover
• Family Health Insurance Cover
• Overseas Visitors Health Insurance Cover
• Health Insurance for Seniors
• Cheap Health Insurance
• Income Protection
• Personal Accident Insurance
• Trauma Insurance
• TPD Insurance
• Funeral Insurance
• Seniors Pet Insurance
• Cheap Pet Insurance
• Best Pet Insurance
• Electricity Plans
• Compare Electricity Plans
• Compare Gas Plans
• Solar Electricity Plans
• Green Energy Plans
• ADSL Broadband Plans
• Mobile Broadband
• Home Wireless Broadband Plans
• Internet Providers
• Best Broadband Deals
• Prepaid Plans
• iPhone Plans
• Unlimited Data Plans
• SIM-Only Plans
• Unlimited Data for Mobile Phones
• Travel Insurance for Mobile Phone
• Customer Reviews

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.

More travel insurance reviews

CHI Travel Insurance Review 

Learn more about CHI’s travel insurance to find out about their coverage and fees and compare them with other insurers …

RACT Travel Insurance Review 

Read Savvy’s review of RACT’s travel insurance offers to find out about their overseas coverage and fees and compare them …

CFMEU Travel Insurance Review

Learn more about CFMEU’s travel insurance policies to find out about their coverage and fees and compare them with other …

Real Insurance Travel Insurance Review

Learn more about Real Insurance’s travel policies to find out about their coverage and fees and compare them with other …

Australian Unity Travel Insurance Review

Learn more about Australian Unity’s travel insurance policies to find out about their coverage and fees and compare them with …

COTA Travel Insurance Review

Learn more about COTA’s travel insurance policies to find out about their coverage and fees and compare them with other …

Helpful travel insurance guides

How Late Can You Buy Travel Insurance?

Find out how close to your departure you can purchase your policy with Savvy. Compare Travel Insurance Quotes in 30...

Best International Travel Insurance

Travelling abroad? Compare policies and find your international travel insurance here with Savvy. Compare Travel Insurance Quotes in 30 Seconds...

Cheap Domestic Travel Insurance

Compare with Savvy and find a cheap travel insurance deal for your next domestic holiday. Compare Travel Insurance Quotes in...

Best Multi-Trip Travel Insurance Australia

Compare your multi-trip travel insurance options with Savvy to help you find the best. Compare Travel Insurance Quotes in 30...

Compare Cruise Travel Insurance

Setting sail on your next holiday? Compare cruise travel insurance with Savvy.  Compare Travel Insurance Quotes in 30 Seconds Get...

Travel Insurance Broker

Find out how a broker may be able to help you and compare travel insurance options with Savvy. Compare Travel...

Optional Cover Travel Insurance

Explore the many optional extras travel insurance offers by comparing with Savvy. Compare Travel Insurance Quotes in 30 Seconds Get...

Best Travel Insurance for Seniors

 Make the most of your next holiday. Compare with Savvy and find the best seniors travel insurance today. Compare Travel...

Asking yourself why you need travel insurance for your holiday? Compare with Savvy and understand the benefits. Compare Travel Insurance...

Need to know what your travel insurance covers? Compare and find out with Savvy today. Compare Travel Insurance Quotes in...

Explore your travel insurance options for your next destination

Travel Insurance for Bulgaria

Travel Insurance for Singapore

Travel Insurance for the Himalayas

Travel Insurance for Indonesia

Travel Insurance for Bermuda

Travel Insurance for the Seychelles

Travel Insurance for the Philippines

Travel Insurance for Portugal

Travel Insurance for Phuket

Travel Insurance for Finland

Travel Insurance for Antarctica

Travel Insurance for Bali

Travel Insurance for Amsterdam

Travel Insurance for India

Travel Insurance for the Maldives

Travel Insurance for Ireland

Travel Insurance for Serbia

Travel Insurance for London

Travel Insurance for Bhutan

Travel Insurance for Belgium

Travel Insurance for Taiwan

Travel Insurance for Sweden

Travel Insurance for Chile

Travel Insurance for Colombia

Travel Insurance for Peru

Travel Insurance for Kenya

Travel Insurance for Costa Rica

Travel Insurance for France

Travel Insurance for South Korea

Travel Insurance for The Netherlands

© Copyright 2024 Quantum Savvy Pty Ltd T/as Savvy. All Rights Reserved.

• Giving Back
• Partner with us
• Privacy Policy
• Terms of Use
• Credit Guide
• How We Handle Complaints
• Scam and Fraud Warning
• Comparison Rate Warning

1300 974 066

Sign up to our newsletter.

Quantum Savvy Pty Ltd (ABN 78 660 493 194) trades as Savvy and operates as an Authorised Credit Representative 541339 of Australian Credit Licence 414426 (AFAS Group Pty Ltd, ABN 12 134 138 686). We are one of Australia’s leading financial comparison sites and have been helping Australians make savvy decisions when it comes to their money for over a decade.

We’re partnered with lenders, insurers and other financial institutions who compensate us for business initiated through our website. We earn a commission each time a customer chooses or buys a product advertised on our site, which you can find out more about here , as well as in our credit guide for asset finance. It’s also crucial to read the terms and conditions, Product Disclosure Statement (PDS) or credit guide of our partners before signing up for your chosen product. However, the compensation we receive doesn’t impact the content written and published on our website, as our writing team exercises full editorial independence.

For more information about us and how we conduct our business, you can read our privacy policy and terms of use .

We'd love to chat, how can we help?

Comparing travel protections with the Chase Sapphire Reserve and Amex Platinum

The Chase Sapphire Reserve and The Platinum Card® from American Express are two of the most popular travel rewards cards . After all, both cards offer valuable transferable rewards , lounge access and the ability to receive elite-like perks when booking hotels through Amex's Fine Hotels & Resorts program and Chase's Luxury Hotel & Resort Collection .

Like many of the top rewards cards , the Chase Sapphire Reserve and Amex Platinum Card also provide travel insurance when you use your card to book travel. In particular, these two premium travel rewards cards offer an excellent combination of trip insurance and bonus earnings on select travel purchases. So, in this guide, let's compare the travel insurance provided by these two cards.

Overview of the travel insurance provided by these cards

* Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for details. Policies are underwritten by New Hampshire Insurance Company, an AIG Company. ^ Eligibility and benefit level varies by card. Not all vehicle types or rentals are covered, and geographic restrictions apply. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for details. Policies are underwritten by AMEX Assurance Company. Coverage is offered through American Express Travel Related Services Company, Inc. # Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for details. If approved and coordinated by Premium Global Assist Hotline, emergency medical transportation assistance may be provided at no cost. In any other circumstance, cardmembers are responsible for the costs charged by third-party service providers. † Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for details. Policies are underwritten by AMEX Assurance Company.

As you can see in the table above, the Amex Platinum doesn't provide baggage delay insurance , emergency medical and dental benefits , roadside assistance or travel accident insurance . For brevity, I won't discuss the types of insurance the Amex Platinum doesn't provide any further in this guide.

Instead, I'll compare the protections head-to-head for the types of insurance provided by both cards. You can find the guide to benefits for both cards as follows:

• Chase Sapphire Reserve benefits guide
• Amex Platinum benefits guide

And to learn more about both cards, check out our Chase Sapphire Reserve credit card review and Amex Platinum card review .

Related: Amex Platinum vs. Chase Sapphire Reserve: Which card is right for you?

Trip delay insurance

Trip delay insurance may provide reimbursement for reasonable expenses during a delay when traveling on a common carrier. Here's a comparison of the Chase Sapphire Reserve 's and Amex Platinum Card 's trip delay insurance.

*Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for details. Policies are underwritten by New Hampshire Insurance Company, an AIG Company.

As you may gather from the above table, the primary differences in trip delay coverage are:

• The Amex Platinum requires round-trip travel, which you must buy with your card (in whole or combination with other eligible methods).
• The Amex Platinum doesn't cover overnight delays that are less than six hours.
• The Amex Platinum caps your claims to two per 12-month period.
• The Amex Platinum covers traveling companions as long as you pay for their round-trip common carrier fares with your card.
• The Chase Sapphire Reserve explicitly covers delays due to strikes, while the Amex Platinum explicitly covers delays due to lost or stolen passports or travel documents.

Related: Chase paid for my $1,100-per-night hotel room thanks to built-in trip delay coverage

Trip cancellation/interruption insurance

Trip cancellation and interruption insurance may provide reimbursement for nonrefundable, prepaid trip expenses when you must cancel or alter a trip due to a covered situation. In some cases, you may be covered for additional expenses. Here's a comparison of the Chase Sapphire Reserve 's and Amex Platinum Card 's trip cancellation and interruption insurance:

* Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for details. Policies are underwritten by New Hampshire Insurance Company, an AIG Company.

As you can see in the above table and the related benefits guides, the primary differences in trip cancellation and trip interruption coverage are:

• The Amex Platinum requires round-trip travel , paid with your card (in whole or in combination with other eligible methods). Only travel expenses put on the card used for round-trip common carrier travel will be covered.
• The Amex Platinum may cover the cost to return home or rejoin the trip if your trip is interrupted.
• The Chase Sapphire Reserve may reimburse redeposit fees imposed by a rewards program if your trip is canceled or interrupted, as well as change fees and car positioning fees if your trip is interrupted.
• The Chase Sapphire Reserve covers more types of losses, including if your accommodation at your destination is made uninhabitable or your host at your destination dies or is hospitalized.
• The Amex Platinum excludes losses related to mental or emotional disorders unless hospitalized. The Amex Platinum also excludes losses that occur when you're intoxicated. The Chase Sapphire Reserve excludes any loss for any trip booked while on a waiting list for specified medical treatment.

Check out American Express' trip cancellation and interruption insurance coronavirus frequently asked questions if you're wondering whether the Amex Platinum's insurance will cover coronavirus -related cancellations or interruptions.

Related: Be careful: Avoiding outbreaks isn't covered by most travel insurance

Auto rental collision damage waiver

The collision damage waiver offered by both cards can cover your rental car if you're in an accident or if it's stolen or damaged. Here's a comparison of the Chase Sapphire Reserve 's and Amex Platinum Card 's rental car insurance.

^ Eligibility and benefit level varies by card. Not all vehicle types or rentals are covered, and geographic restrictions apply. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for details. Policies are underwritten by AMEX Assurance Company. Coverage is offered through American Express Travel Related Services Company, Inc.

As you can see in the above table and the related guide to benefits, the primary differences in car rental collision damage protection are:

• The Chase Sapphire Reserve covers more types of vehicles.
• The Chase Sapphire Reserve provides primary coverage.
• The Chase Sapphire Reserve doesn't have country exclusions.
• The Amex Platinum offers coverage to spouses when payment is made with an eligible card.
• While the Amex Platinum coverage specifically mentions peer-to-peer rentals, it's unlikely your Sapphire Reserve would cover Turo rentals .

If you'd prefer to get primary coverage for rental cars when using American Express cards , you can enroll in American Express' Premium Car Rental protection .

Related: 11 common rental car mistakes — and how to avoid them

Emergency evacuation and transportation insurance

The emergency evacuation and transportation insurance provided by these cards can arrange and pay for necessary emergency medical transport and evacuation under eligible circumstances. Here's a comparison of the Chase Sapphire Reserve 's and Amex Platinum Card 's emergency evacuation and transportation insurance.

# Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for details. If approved and coordinated by Premium Global Assist Hotline, emergency medical transportation assistance may be provided at no cost. In any other circumstance, cardmembers are responsible for the costs charged by third-party service providers.

As you can see in the above table and the related guide to benefits, the primary differences in the emergency medical evaluation benefit are:

• You're covered by the Amex Platinum even if you use another card to purchase your common carrier fare, whereas you must at least partially pay with the Chase Sapphire Reserve or associated rewards to be covered.
• The Chase Sapphire Reserve has stricter requirements for trip length.
• Both cards offer additional benefits that can bring a family member to your side or return now-unaccompanied minors home.

Related: A Medjet medical transport membership is different than travel insurance. Here's why you need both

Lost luggage reimbursement

The lost luggage benefit offered by both cards may reimburse you if your baggage is lost, damaged or stolen during a trip. Here's a comparison of the lost luggage reimbursement provided by the Chase Sapphire Reserve and Amex Platinum Card .

† Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for details. Policies are underwritten by AMEX Assurance Company.

As you can see in the above table and the related guide to benefits, the primary differences in lost luggage reimbursement are:

• The Amex Platinum explicitly notes that losses due to confiscation by TSA aren't excluded.
• The Chase Sapphire Reserve covers a broader selection of family members when you pay for their ticket using your card.
• The cards exclude different types of items and types of loss.

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

When should I use the Chase Sapphire Reserve vs. the Amex Platinum?

The Platinum Card from American Express earns 5 Amex Membership Rewards points per dollar spent on flights booked directly with airlines or with American Express Travel (on up to $500,000 of these purchases per calendar year, then 1 point per dollar) for an approximate 10% return based on TPG's valuations . The Chase Sapphire Reserve earns 10 Chase Ultimate Rewards points per dollar on hotels and rental cars purchased through the Chase Travel portal , 5 points per dollar on flights booked through this portal, 10 points per dollar on Lyft rides through March 2025 and 3 points per dollar on all other travel (bonus points earning comes into effect after exhausting the $300 annual travel credit ).

The Sapphire Reserve has an annual fee of $550 while the Amex Platinum Card has a $695 annual fee (see rates and fees ).

Related: Amex Membership Rewards vs. Chase Ultimate Rewards: Which is the best?

Despite the earning gap (which can sway one way or the other, depending on how you book your flights), you may want to use the Chase Sapphire Reserve when booking some common carrier travel. I recommend checking out the guide to both cards' benefits and considering which card is best for your travel expenses. To help, here are some reasons to consider each card.

Reasons to use the Chase Sapphire Reserve

• Offers a baggage delay benefit , an emergency medical and dental benefit, and roadside assistance up to $50 up to four times a year.
• Only a portion of your travel expenses must be charged to your card to unlock most benefits (whereas the Amex Platinum generally only provides benefits when you charge the entire common carrier fare to your card).
• No requirement for round-trip travel.
• Provides trip delay benefits if you're delayed overnight for less than six hours.
• Provides primary car rental coverage.
• Offers travel accident insurance (although the Amex Platinum provides some travel accident insurance on car rentals).
• Includes strikes as an eligible reason for trip delay insurance.
• May reimburse redeposit fees imposed by a rewards program under trip cancellation/interruption insurance .

OFFICIAL APPLICATION LINK: Chase Sapphire Reserve

Reasons to use the Amex Platinum

• Provides an emergency medical evacuation benefit to cardmembers regardless of whether you charged any trip expenses to the card.
• Covers traveling companions for trip delay insurance and trip cancellation/interruption insurance when you purchase their round-trip fare with your card.
• May reimburse additional transportation expenses to rejoin the common carrier covered trip or return to the place of origin; also may cover the purchase of tickets for a new departure, under trip interruption insurance.
• Includes lost or stolen passports or travel documents as an eligible reason for trip delay insurance.
• Has a higher cap on high-value items for lost, damaged or stolen baggage.
• Some readers have found the claim process to be more straightforward and simple.

OFFICIAL APPLICATION LINK: The Platinum Card from American Express

Bottom line

Some travelers who have both cards put their flights on the Amex Platinum to earn 5 points per dollar and put other travel expenses on the Chase Sapphire Reserve to earn 3 points per dollar and activate their trip cancellation and interruption protections.

You might want to keep the Amex Platinum primarily for Centurion Lounge access , hotel elite status and access to Amex Fine Hotels & Resorts , as well as nearly $1,500 in annual credits available to cardmembers.

However, you might want to avoid booking flights with the Amex Platinum because of the round-trip requirement and the lack of baggage delay protection . Instead, you'd prefer to use the Chase Sapphire Reserve for common carrier fares and other travel expenses .

Additional reporting by Ryan Smith.

For rates and fees of the Amex Platinum card, click here .

Latest offers

NAB Mobile Banking app

Update your browser..

This website doesn't support your browser and may impact your experience.

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.

This section contains Important Information relevant to the page you are viewing, but you can't see it because you have JavaScript disabled on your browser. Please enable JavaScript and come back so you can see the complete page. It's important that you read the Important Information in this section before acting on any information on this page.

Apologies but the Important Information section you are trying to view is not displaying properly at the moment. Please refresh the page or try again later.

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 .

This site uses cookies

ANZ’s website uses cookies for a better browsing experience. Find out more on  how we use cookies and how you can manage your settings .

• Bank accounts Everyday/savings & term deposits
• Credit cards Low interest rate, rewards frequent flyer & platinum
• Home loans Buying, refinancing & investing in property
• Personal loans Debt consolidation, buying a new or used car, renovations and more
• Insurance Get on top of your home, life, income and car insurance
• Superannuation and retirement Superannuation and retirement options
• Travel & international Travel and foreign exchange
• Ways to bank Internet & mobile banking, ATMs & more
• Financial wellbeing Discover tools, tips and insights to help you get on top of your money
• Private banking Specialised banking and advice for high net worth individuals
• Intermediary deposits A service for third party advisers offering ANZ deposit products
• Security hub Helping you to bank safely and stay alert to scams and fraud

ANZ Smart Choice Super. Super. Easy.

Set up in just five minutes, in app or online.

• See all Business
• Business finance Check out our flexible loans and cash flow options to seize your next business opportunity
• Business credit cards Grow your business potential with one of our business credit cards
• Business accounts Accounts and term deposits to help you manage your cash flow and earn interest
• Merchant and payments From EFTPOS machines to online payments, we have solutions to meet all your in-person payment needs
• Financially Ready Hub Access tools, tips and financial insights for small business
• Online business banking Choose from a range of online business banking options depending on your business needs
• International business Grow your business with our tailored international trade and foreign exchange solutions
• Indigenous Banking Services Tailored solutions to support Indigenous Small Business owners
• Business protection Helping your business to bank safely and stay cyber secure
• Help and support
• Business banking offers
• Institutional & Corporate
• Industries Industry advice and support across a range of key sectors
• Our expertise Our banking credentials, global reach and areas of expertise
• Solutions World-class banking solutions tailored to suit your business needs
• ANZ Insights In-depth insights and analysis from our dedicated teams
• ANZ Digital Services All your banking platforms such as Transactive - Global, Transactive Trade, FX Online and more
• Security centre Stay protected from ever-changing cybersecurity threats
• Global network We operate in close to 30 markets around the world, including more than 10 markets across Asia
• ANZ Research Global economics, industry research and forecasts
• Rates, fees, terms, taxes and disclosures Rates, fees, terms, and taxes for our products
• Contact us Contact details for Institutional and Corporate customers

  ANZ Transactive – Global

Explore more

Digital Services status

Online resources

Security device user guide

• Internet Banking
• Register for Internet Banking
• Close mobile menu Personal
• Credit cards
• ANZ Rewards Black
• ANZ Rewards Platinum
• ANZ Frequent Flyer Black
• ANZ Frequent Flyer Platinum
• ANZ Platinum
• ANZ Low Rate
• Compare and apply
• Credit card finder
• Credit card education landing page

Complimentary insurances with your ANZ credit card

We often don't think about insurance until we actually need it. Whether you need it now or not, you may be eligible for some complimentary travel or shopping insurance with your ANZ credit card. Take a look and see!

What are you looking for?

• International travel insurance

Emergency and medical assistance

• Insurance booklets

How to make a claim

Important changes to complimentary insurances.

Complimentary insurances for ANZ credit cards have undergone some recent changes, which will take effect from 7 June 2024 . Please refer to your new policy booklets and our helpful FAQs for details.

See what complimentary insurances are available

Select your card category below to see what complimentary insurances you may be eligible for on your existing ANZ credit card.

• Platinum or Black cards
• ANZ First cards

For ANZ Platinum and Black credit cards:

The eligible ANZ Platinum and Black credit cards are as follows:

• ANZ Rewards Travel Adventures (no longer for sale)

Refer to the policy information booklet for terms, conditions, exclusion, limits, applicable sub-limits and eligibility criteria that apply. disclaimer

You could be eligible for these complimentary insurances disclaimer when you make eligible purchases using your eligible ANZ Platinum or Black credit card (see list below):

• International Travel Insurance disclaimer
• Domestic Travel Insurance disclaimer
• Rental Vehicle Excess In Australia Insurance disclaimer
• Purchase Protection Insurance disclaimer
• Extended Warranty Insurance disclaimer

See your insurance booklet

For ANZ First credit cards:

The eligible ANZ First credit cards are as follows:

• ANZ First Free Days Visa
• ANZ First Low Interest Visa (no longer for sale)

You could be eligible for these complimentary insurances disclaimer when you make eligible purchases using your eligible ANZ First credit card (see list below):

International Travel Insurance

You may be eligible for up to 6 months of complimentary international travel insurance with your ANZ Black or Platinum credit card. You'll need to meet the eligibility criteria set out in your  policy information booklet including, but not limited to:

• prepayment of, at least, $250 of your travel costs before leaving Australia
• travel costs need to be charged to an ANZ Black or Platinum credit card in your name. 

Before you travel overseas, read your  policy information booklet for full eligibility criteria, terms, conditions, exclusions, limits and applicable sub-limits. disclaimer  You can also check your eligibility and obtain a Letter of Eligibility  online or by phone below.

If your condition is life threatening, please call local emergency services.

Allianz Global Assistance are on call 24 hours a day, 7 days a week. Please contact us using the following contact details:

  1800 010 075   within Australia

+61 7 3305 7465  from overseas

Please note that calls from mobiles, public telephones or hotel rooms may attract additional charges.

Email or fax

Email  [email protected]

Fax  +61 7 3305 7005

Other overseas numbers

Find the number you need from our list below

Looking for all the fine print?

Please refer to the insurance booklet relevant to your ANZ credit card for the eligibility criteria, terms, conditions, exclusions, limits and applicable sub-limits of the Group Insurance Policy.  

Platinum/Black Insurance booklet

First Insurance booklet

Please pick any of the following options to make a claim to the Allianz Global Assistance/ANZ Travel team:

Lodge your travel claim online or obtain a claim form for other complimentary covers.

  Claim online

24 hours a day, 7 days a week

1300 135 271

8am to 5pm AEST, Monday to Friday (except public holidays)

Email [email protected]

Post your completed claim form to Allianz Global Assistance, Locked Bag 3014, Toowong DC, QLD 4066

Your questions answered

What are the main changes.

A summary of the main changes (PDF) taking place in relation to the ANZ Platinum and Black Personal Credit Cards Complimentary Insurance Policy Information Booklet are:

• Wording updates to definitions and clauses
• Changes to benefit limits
• Excess will increase from $350 to $500 where excess is applicable.
• Period of cover for Platinum cardholders will reduce from 6 consecutive months to 3 consecutive months.

For the full list of benefits and the terms, conditions, exclusions, limits, applicable sub-limits and excesses that apply, please refer to the new ANZ Platinum and Black Personal Credit Cards Complimentary Insurance Policy Information Booklet for more information.

A summary of the main changes (PDF) taking place in relation to the ANZ First Credit Card Complimentary Insurance Policy Information Booklet are:

For the full list of benefits and the terms, conditions, exclusions, limits, applicable sub-limits and excesses that apply, please refer to the new ANZ First Credit Card Complimentary Insurance Policy Information Booklet for more information.

Why are the excess and benefit limits changing for International Travel Insurance?

ANZ and Allianz review the complimentary insurance offering from time to time and make adjustments in line with market conditions.

Why is the period of cover changing for International Travel Insurance for Platinum cardholders?

ANZ and Allianz review the complimentary insurance offering from time to time and make adjustments to reflect changing customer preferences and broader market conditions.

What happens to events occurring before 7 June 2024?

Where you want to make a claim for an insurable event that occurred before 7 June 2024 , the event will be covered under the terms of the policy in place at that time.

For ANZ Platinum and ANZ Black cardholders, if the insurable event occurred before 7 June 2024 , the ANZ Platinum and Black Personal Credit Cards Complimentary Insurance Policy Information Booklet (PDF) dated 8 November 2023 will apply.

Terms, conditions, exclusions, limits, applicable sub-limits and eligibility criteria apply. Please refer the new ANZ Platinum and Black Personal Credit Cards Complimentary Insurance Policy Information Booklet for more information.

For ANZ First Credit Card customers, if the insurable event occurred before 7 June 2024 , the ANZ First Credit Card Complimentary Insurance Policy Information Booklet (PDF) dated 8 November 2023 will apply.

Terms, conditions, exclusions, limits, applicable sub-limits and eligibility criteria apply. Please refer the new ANZ First Credit Card Complimentary Insurance Policy Information Booklet for more information.

If you have any questions about how the changes may apply to you, please contact Allianz Global Assistance on 1300 135 271 (within Australia) or by email to [email protected] .

Will this change effective from 7 June 2024 impact my current claim?

If you have any questions about an existing insurance claim or how the changes may apply to you, please contact Allianz Global Assistance on 1300 135 271 (within Australia) or by email to [email protected] .

Important information

Complimentary insurance covers: AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631(trading as Allianz Global Assistance) under a binder from the insurer, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 has issued a group policy to Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522 AFSL and Australian credit licence 234527 which allows eligible ANZ account holders and cardholders to claim under the group policy as a third party beneficiary by reason of the statutory operation of Section 48 of the Insurance Contracts Act 1984 (Cth).  The eligibility criteria, terms, conditions, limits and exclusions of the group policy are set out in the  ANZ Platinum and Black Credit Card Complimentary Insurance booklet (PDF) which may be amended from time to time. An excess may be deducted from any benefit paid. ANZ does not guarantee this insurance. Any advice has been prepared without taking into account 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.

Purchase Protection Insurance and Extended Warranty Insurance covers: AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631 (trading as Allianz Global Assistance) under a binder from the insurer, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 has issued a Group Policy to Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522 AFSL and Australian credit license 234527 which allows eligible ANZ account holders and cardholders to claim under the Group Policy as a third party beneficiary by reason of the statutory operation of Section 48 of the Insurance Contracts Act 1984 (Cth). The eligibility criteria, terms, conditions, limits and exclusions of the Group Policy are set out in the  ANZ First Credit Card Complimentary Insurance booklet (PDF)  which may be amended from time to time. ANZ does not guarantee this insurance. Any advice has been prepared without taking into account your objects, financial situation or needs. You must check whether or not it is appropriate, in light of your own circumstances, to act on this advice.

Advertiser Disclosure

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 .

Why the Amex Platinum Is the Only Card I’ll Use To Book Flights

Carissa Rawson

Senior Content Contributor

249 Published Articles

Countries Visited: 51 U.S. States Visited: 36

Stella Shon

News Managing Editor

84 Published Articles 601 Edited Articles

Countries Visited: 25 U.S. States Visited: 22

The Amex Platinum Card Earns Me the Most Points

The amex platinum card has excellent travel insurance, amex’s global lounge collection is industry-leading, amex points are my favorite flexible currency, 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.

Although I’m not technically a digital nomad, I fly enough to qualify as one.

With trips taking me on roughly 100 flights per year, I’ve done a lot of research when it comes to booking airfare.

Though I have plenty of credit cards to spare, The Platinum Card ® from American Express always finds its way to the front when it comes time to pay — here’s why.

There are plenty of credit cards that earn bonus points on travel , and especially airfare. However, the Amex Platinum card personally beats out others, despite its $695 annual fee ( rates & fees ).

This is because it earns 5x American Express Membership Rewards points per $1 spent (up to $500,000 per year) on flights booked directly with the airline or via AmexTravel.com .

The Platinum Card ® from American Express

The Amex Platinum reigns supreme for luxury travel, offering the best airport lounge access plus generous statement credits, and complimentary elite status.

When it comes to cards that offer top-notch benefits, you’d be hard-pressed to find a better card out there than The Platinum Card ® from American Express.

Make no mistake — the Amex Platinum card  is a premium card with a premium price tag. With amazing benefits like best-in-class airport lounge access , hotel elite status, and tremendous value in annual statement credits, it can easily prove to be one of the most lucrative cards in your wallet year after year.

• The best airport lounge access out of any card (by far) — enjoy access to over 1,400 worldwide lounges, including the luxurious Amex Centurion Lounges, Priority Pass lounges, Plaza Premium Lounges, and many more!
• 5x points per dollar spent on flights purchased directly with the airline or with AmexTravel.com (up to $500,000 per year)
• 5x points per dollar spent on prepaid hotels booked with AmexTravel.com
• Annual and monthly statement credits upon enrollment ( airline credit, Uber Cash credit, Saks Fifth Avenue credit, streaming credit, prepaid hotel credit on eligible stays, Walmart+ credit, CLEAR credit, and Equinox credit )
• TSA PreCheck or Global Entry credit
• Access to American Express Fine Hotels and Resorts
• Access to Amex International Airline Program
• No foreign transaction fees ( rates and fees )
• $695 annual fee ( rates and fees )
• Airline credit does not cover airfare (only incidentals like checked bags)
• Earn 80,000 Membership Rewards ® Points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum Card ® , Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.
• Earn 5X Membership Rewards ® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards ® Points on prepaid hotels booked with American Express Travel.
• $200 Hotel Credit: Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts ® or The Hotel Collection bookings with American Express Travel when you pay with your Platinum Card ® . The Hotel Collection requires a minimum two-night stay.
• $240 Digital Entertainment Credit: Get up to $20 back in statement credits each month on eligible purchases made with your Platinum Card ® on one or more of the following: Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peacock, and The Wall Street Journal. Enrollment required.
• $155 Walmart+ Credit: Cover the cost of a $12.95 monthly Walmart+ membership (subject to auto-renewal) with a statement credit after you pay for Walmart+ each month with your Platinum Card ® . Cost includes $12.95 plus applicable local sales tax. Plus Up Benefits are excluded.
• $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Platinum Card ® .
• $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only. Terms Apply.
• $300 Equinox Credit: Get up to $300 back in statement credits per calendar year on an Equinox membership, or an Equinox club membership (subject to auto-renewal) when you pay with your Platinum Card ® . Enrollment required. Visit https://platinum.equinox.com/ to enroll.
• $189 CLEAR ® Plus Credit: Breeze through security with CLEAR Plus at 100+ airports, stadiums, and entertainment venues nationwide and get up to $189 back per calendar year on your Membership (subject to auto-renewal) when you use your Platinum Card ® . Learn more.
• $100 Global Entry Credit: Receive either a $100 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 years for a TSA PreCheck ® (through a TSA official enrollment provider) application fee, when charged to your Platinum Card ® . Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
• Shop Saks with Platinum: Get up to $100 in statement credits annually for purchases in Saks Fifth Avenue stores or at saks.com on your Platinum Card ® . That's up to $50 in statement credits semi-annually. Enrollment required.
• $300 SoulCycle At-Home Bike Credit: Get a $300 statement credit for the purchase of a SoulCycle at-home bike with your Platinum Card ® . An Equinox+ subscription is required to purchase a SoulCycle at-home bike and access SoulCycle content. Must charge full price of bike in one transaction. Shipping available in the contiguous U.S. only. Enrollment Required.
• Unlock access to exclusive reservations and special dining experiences with Global Dining Access by Resy when you add your Platinum Card ® to your Resy profile.
• $695 annual fee.
• Terms Apply.

Financial Snapshot

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

Card Categories

• Credit Card Reviews
• Credit Cards
• Travel Rewards Credit Cards
• Best Sign Up Bonuses

Rewards Center

American Express Membership Rewards

• Amex Platinum 150k Welcome Bonus Offer
• Benefits of The Amex Platinum
• How to Use 100,000 Amex Platinum Points
• Amex Platinum Card Requirements
• American Express Platinum Military Benefits
• Amex Platinum and Business Platinum Lounge Access
• Amex Platinum Benefits for Authorized Users
• Amex Platinum vs Delta Platinum
• Amex Platinum vs Chase Sapphire Reserve
• Capital One Venture X vs Amex Platinum
• Amex Platinum vs Delta Reserve

If you travel often, you know that booking with a third party , such as Expedia, Priceline, Orbitz, or even an issuer’s travel portal, can save you some money. But it can also lead to huge amounts of headache s if your flight needs to be changed or canceled or if there are crazy delays and you need to be rerouted.

This is because booking through a third-party agency makes them responsible for your ticket rather than the airline, so they need to be the middleman.

Compare the Amex Platinum card’s earning rates to other premium travel rewards cards :

• Chase Sapphire Reserve ® : 5x points per $1 spent on Chase Travel; 3x points on all other travel purchases
• Capital One Venture X Rewards Credit Card : 5x miles per $1 spent on airfare booked with Capital One Travel,

In order to earn these elevated rewards, you’ll need to book your flights with either issuer’s travel portal, which means you’ll be using a third party. That opens you up to issues in the event your travel plans change, which mine often do.

While the Amex Platinum card does have a limit on your 5x earnings up to $500,000 annually, I’ve never even come close to hitting the cap. This means that I’m always able to book directly with the airline while still earning the most rewards.

I’ll admit that I’m not the biggest proponent of travel insurance . I know that it’ll protect you if you get injured, lose your bags, or have travel delays, but purchasing a policy goes against my “spend as little as possible” ethos when it comes to travel.

That’s another reason why I love the Amex Platinum card and use it for my flights. As a premium travel card, it offers complimentary travel insurance . For it to kick in, I need to pay for my travel with my card and it will apply in eligible scenarios.

What kind of travel insurance is offered? A lot:

• Rental car insurance (secondary)
• Trip cancellation and interruption insurance
• Trip delay insurance
• Baggage insurance plan
• Premium Global Assist Hotline (emergency medical evacuation and emergency medical transport)

There are two things that really stand out when it comes to the Amex Platinum card’s travel insurance: emergency medical evacuation and emergency medical transport as part of the Premium Global Assist Hotline. Neither of these has a cap, which isn’t something you’ll find often, even when purchasing a policy.

There is only one exception where I’ll use a card other than the Amex Platinum card to pay for my flights, and that’s when I’ve booked an award flight.

This is because Amex has limitations on its baggage insurance plan for award flights, whereas competitors, such as the travel insurance on the Chase Sapphire Reserve card , do not. In this case, the Amex Platinum card won’t cover lost luggage unless you’ve paid the ticket in cash or you’ve used Amex Membership points for your flight. Other award flights outside of this don’t count :

“Other loyalty programs (i.e. non-American Express) do not qualify on purchases redeemed in part or full or pre-arranged travel cost,” according to the terms of baggage insurance plan on the Amex Platinum card. “An example would be common carrier frequent flyer miles point redemption.”

I’m not a snob about a lot of things, but airport lounge access is certainly one of them. I know that as more credit cards offer lounge access, they can be crowded.

That’s one reason I value the Global Lounge Collection offered by Amex’s high-end cards.

This collection includes a Priority Pass Select membership (upon enrollment), Centurion Lounges, Escape — The Centurion Studio lounges, Plaza Premium lounges, Lufthansa lounges (when flying Lufthansa), Delta SkyClubs (when flying Delta), and more.

That’s far more than you’ll get with other credit cards and lessens the chance that you’ll find yourself in a standing-room-only situation.

This is probably not the most popular opinion, but I think Amex Membership Rewards beat out Chase Ultimate Rewards , Capital One Miles , Citi ThankYou points , and Bilt Rewards .

While each currency has their own strengths and weaknesses, Amex points fit my travel style better than the others. Sure, I love that Chase has World of Hyatt (and it’s where I use my points most often) and that Citi transfer to Choice at double Amex’s rate, but Amex has more usable transfer partners .

I’ll be even more unpopular and say that I’ll often transfer Amex points over to Hilton Honors at a 1:2 ratio, especially when they’re offering a transfer bonus . This isn’t usually a good idea, but I spend my Hilton points at high-end resorts such as the Conrad Maldives and the Conrad Bora Bora , where I can easily net 5-10 cents in value per point. That makes it worth it for me.

Other transfer partners that I frequently use include:

• ANA MileageClub : For low-cost business class flights to Europe
• Avianca LifeMiles : For Lufthansa first class
• Virgin Atlantic Flying Club : For first and business class redemptions on ANA
• Qantas Frequent Flyer : For cheap Air Tahiti Nui flights to French Polynesia

Beyond transfer partners and the Amex Platinum card, I also find Amex points easier to earn . This is due to a variety of reasons, including their robust lineup of Amex point-earning cards , Amex Offers (upon enrollment), and their Rakuten partnership.

I’m not going to throw out all my other credit cards in favor of the Amex Platinum card — I love points and miles too much ever to let that happen. But there’s certainly a strong case for it sticking around in my wallet.

Sure, it offers lots of statement credits (enrollment required for some benefits) and other perks. But I’ll keep the Amex Platinum card to book my airfare. And it’ll stay that way until someone else can match the high earnings and travel insurance offerings, which I don’t anticipate happening anytime soon.

For the car rental loss and damage insurance benefit of the Amex Platinum card, eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please 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 cancellation and interruption insurance benefit of the Amex Platinum card, eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

For the trip delay insurance benefit of the Amex Platinum card, eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

For the baggage insurance plan benefit of the Amex Platinum card, eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

For the premium global assist hotline benefit of the Amex Platinum 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. Plus, we may provide emergency medical transportation assistance and related services. Third-party service costs may be your responsibility. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. If approved and coordinated by premium global assist hotline, emergency medical transportation assistance may be provided at no cost. In any other circumstance, Card Members may be responsible for the costs charged by third-party service providers.

The information regarding the Capital One Venture X Rewards Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.

For rates and fees of The Platinum Card ® from American Express, click here .

Was this page helpful?

About Carissa Rawson

Carissa served in the U.S. Air Force where she developed her love for travel and new cultures. She started her own blog and eventually joined The Points Guy. Since then, she’s contributed to Business Insider, Forbes, and more.

INSIDERS ONLY: UP PULSE ™

Get the latest travel tips, crucial news, flight & hotel deal alerts...

Plus — expert strategies to maximize your points & miles by joining our (free) newsletter.

We respect your privacy . This site is protected by reCAPTCHA. Google's privacy policy and terms of service apply.

UP's Bonus Valuation

This bonus value is an estimated valuation calculated by UP after analyzing redemption options, transfer partners, award availability and how much UP would pay to buy these points.

Best credit cards for travel insurance in 2024

Travel insurance benefits offered through credit cards can include trip cancellation and interruption insurance, travel delay coverage and lost luggage reimbursement. You must pay for travel with a common carrier with your respective card for complimentary travel insurance benefits to apply. While credit cards with travel insurance can help protect your trip, they come up short when it comes to protection for emergency medical expenses.

Our top recommendations

• card_name : Best travel insurance benefits overall.
• card_name : Best travel insurance benefits, runner-up.
• card_name : Best for premium benefits.
• card_name : Best for luxury travel.
• card_name : Best for food spending.
• card_name : Best for flat-rate rewards.
• card_name : Best with no annual fee.
• card_name : Best airline credit card for travel insurance.
• card_name : Best for Marriott Bonvoy.
• Hilton Honors American Express Aspire Card : Best for Hilton Honors.

card_name : Best travel insurance benefits overall

Chase sapphire reserve®, why we like it.

• Chase Ultimate Rewards points transfer to airlines and hotels.
• Get 50% more value for travel booked through Chase.
• Comes with $300 travel credit each year.
• Includes airport lounge access.
• No foreign transaction fees.
• Comes with generous travel insurance benefits.
• annual_fees annual fee.
• High variable APR.
• Requires very good or excellent credit.

Travel insurance benefits:

• Trip cancellation coverage worth up to $10,000 per person and $20,000 per trip.
• Trip interruption coverage worth up to $10,000 per person and $20,000 per trip.
• Trip delay coverage worth up to $500 per ticket (six-hour delay required).
• Baggage delay coverage worth up to $100 per day for five days.
• Lost luggage reimbursement worth up to $3,000 per passenger.
• Travel accident insurance worth up to $1 million.
• Primary rental car coverage worth up to $75,000.
• Emergency medical and dental benefits worth up to $2,500 when you're at least 100 miles from home.
• Emergency evacuation coverage worth up to $100,000.

The card_name Card has the best selection of travel insurance benefits of any credit card on the market today by far. Its coverage is broad and rewarding with included benefits for medical expenses and emergency evacuation you don't see from other travel credit cards.

This card also earns valuable Chase Ultimate Rewards points that can be redeemed for cash back, gift cards, merchandise or travel through Chase with 50% more value. Points also transfer 1:1 to airline and hotel partners like British Airways, Southwest Rapid Rewards, United MileagePlus and World of Hyatt.

card_name : Best travel insurance benefits, runner-up

Chase sapphire preferred® card.

• Points transfer 1:1 to Chase airline and hotel partners.
• Get 25% more value for points when booking travel through Chase.
• Other flexible rewards options.
• Excellent earning rate for everyday purchases.
• Comes with a $50 annual hotel stay credit.
• Requires very good to excellent credit.
• No luxury travel benefits.
• Trip interruption insurance worth up to $10,000 per person and $20,000 per trip.
• Trip delay insurance worth up to $500 per ticket (12-hour delay required).
• Baggage delay insurance worth up to $100 per day for five days.
• Travel accident insurance worth up to $500,000.
• Primary rental car insurance worth up to the actual cash value of the car.

The card_name offers similar travel insurance protections as the Reserve, but with fewer benefits and some lower coverage limits. However, the annual fee on this card is just annual_fees , and users still earn valuable and flexible Chase Ultimate Rewards points.

This makes the card_name a good option for frequent travelers who want the chance to transfer their rewards to airline and hotel partners but want to keep costs down. Customers can also use their points to book travel through the Chase portal, or they can redeem for cash back, gift cards or merchandise.

card_name : Best for premium benefits

Capital one venture x rewards credit card.

• Earns flexible miles that transfer to Capital One airline and hotel partners.
• $300 annual travel credit.
• Airport lounge membership included.
• Excellent rewards rate for eligible travel purchases.
• Lower annual fee than other premium cards with airport lounge access.
• High APR if you carry a balance.
• Excellent credit required.
• Trip cancellation coverage worth up to $2,000 per person.
• Trip interruption coverage worth up to $2,000 per person.
• Lost luggage reimbursement worth up to $3,000 per covered trip ($2,000 per bag in New York).
• Trip delay insurance worth up to $500 per ticket (six-hour delay required).
• Primary auto rental coverage worth up to $75,000.

The card_name is a Visa Infinite card, so it includes a range of travel insurance protections you won't find with other cards. This flexible travel credit card also earns Capital One miles that can be used to book travel through Capital One or transferred to Capital One airline and hotel partners. Additional flexible redemption options include gift cards, statement credits, merchandise and more.

Other reasons to love this card include its $300 annual travel credit, airport lounge membership, cell phone protection and Hertz President's Circle status.

card_name : Best for luxury travel

The platinum card® from american express.

( Rates & Fees )

Insurance disclosures

• Trip Delay Insurance - Up to $500 per Covered Trip that is delayed for more than 6 hours; and 2 claims per Eligible Card per 12 consecutive month period. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.
• Trip Cancellation and Interruption Insurance - The maximum benefit amount for Trip Cancellation and Interruption Insurance is $10,000 per Covered Trip and $20,000 per Eligible Card per 12 consecutive month period. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.
• Premium Global Assist Hotline - 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. Plus, we may provide emergency medical transportation assistance and related services. Third-party service costs may be your responsibility. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. If approved and coordinated by Premium Global Assist Hotline, emergency medical transportation assistance may be provided at no cost. In any other circumstance, Card Members may be responsible for the costs charged by third-party service providers.
• Cell Phone Protection - Coverage for a Stolen or damaged Eligible Cellular Wireless Telephone is subject to the terms, conditions, exclusions, and limits of liability of this benefit. The maximum liability is $800, per claim, per Eligible Card Account. Each claim is subject to a $50 deductible. Coverage is limited to two (2) claims per Eligible Card Account per 12 month period. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.
• Extended Warranty – When an American Express® Card Member charges a Covered Purchase to an Eligible Card, Extended Warranty§ can provide up to one extra year added to the Original Manufacturer’s Warranty. Applies to warranties of five (5) years or less. Coverage is up to the actual amount charged to your Card for the item up to a maximum of $10,000; not to exceed $50,000 per Card Member account per calendar year. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.
• Return Protection - With Return Protection, you may return eligible purchases to American Express if the seller won’t take them back up to 90 days from the date of purchase. American Express may refund the full purchase price excluding shipping and handling, up to $300 per item, up to a maximum of $1,000 per calendar year per Card account, if you purchased it entirely with your eligible American Express® Card. Purchases must be made in the U.S. or its territories. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details.
• Purchase Protection - Purchase Protection is an embedded benefit of your Card Membership and requires no enrollment. It can help protect Covered Purchases made on your Eligible Card when they’re accidentally damaged, stolen, or lost, for up to 90 days from the Covered Purchase date. The coverage is limited to up to $10,000 per occurrence, up to $50,000 per Card Member account per calendar year. Coverage Limits Apply. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.
• Baggage Insurance Plan - 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 Card. Coverage can be provided for up to $2,000 for checked Baggage and up to a combined maximum of $3,000 for checked and carry-on baggage, in excess of coverage provided by the Common Carrier. The coverage is also subject to a $3,000 aggregate limit per Covered Trip. For New York State residents, there is a $2,000 per bag/suitcase limit for each Covered Person with a $10,000 aggregate maximum for all Covered Persons per Covered Trip. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.
• Car Rental Loss & Damage Insurance - Car Rental Loss and Damage Insurance can provide coverage up to $75,000 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. Please 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.
• Earns flexible Amex Membership Rewards points.
• $1,500+ in statement credits each year.
• Broadest airport lounge membership available today.
• Very good to excellent credit required.
• Statement credits can be difficult to use.
• Trip cancellation coverage worth up to $10,000 per trip (maximum benefit of $20,000 each 12-month period).
• Trip interruption coverage worth up to $10,000 per trip (maximum benefit of $20,000 each 12-month period).
• Trip delay coverage worth up to $500 per trip (six-hour delay required).
• Secondary rental car insurance worth up to $75,000.

‌ card_name doesn't offer as many travel insurance benefits as other premium travel credit cards on our list, but it does offer more statement credits and the broadest airport lounge membership available from a credit card. This card also earns flexible American Express Membership Rewards points that can be used for travel through Amex, point transfers to Amex airline and hotel partners, gift cards and other flexible options. Terms apply.

card_name : Best for food spending

American express® gold card.

Trip Delay Insurance - 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. 
• Please visit americanexpress.com/benefitsguide for more details. 
• Underwritten by New Hampshire Insurance Company, an AIG Company.

Global Assist Hotline - 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.
• Please visit americanexpress.com/benefitsguide for more details.
• Card Members are responsible for the costs charged by third-party service providers.

Extended Warranty - When an American Express® Card Member charges a Covered Purchase to an Eligible Card, Extended Warranty§ can provide up to one extra year added to the Original Manufacturer’s Warranty. Applies to warranties of five (5) years or less. Coverage is up to the actual amount charged to your Card for the item up to a maximum of $10,000; not to exceed $50,000 per Card Member account per calendar year.

• Underwritten by AMEX Assurance Company.

Purchase Protection - Purchase Protection is an embedded benefit of your Card Membership and requires no enrollment. It can help protect Covered Purchases made on your Eligible Card when they’re accidentally damaged, stolen, or lost, for up to 90 days from the Covered Purchase date. The coverage is limited up to $10,000 per occurrence, up to $50,000 per Card Member account per calendar year. Coverage Limits Apply. 

Baggage Insurance Plan - Baggage Insurance Plan coverage can be in effect for Eligible Persons for eligible lost, damaged, or stolen Baggage during their travel on a Common Carrier (e.g. plane, train, ship, or bus) when the entire fare for a Common Carrier Vehicle 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.

Car Rental Loss & Damage Insurance - 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.

• Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.
• Points transfer to Amex airline and hotel partners.
• Comes with up to $240 in statement credits each year.
• Generous rewards for food spending and airfare.
• High APR can apply.
• Baggage insurance plan worth up to $1,250 for carry-on bags and up to $500 for checked bags ($10,000 aggregate coverage limit for residents of New York).
• Secondary auto rental coverage worth up to $50,000 per rental agreement.
• Trip delay insurance worth up to $300 per covered trip (up to two claims allowed per 12-month period).

The card_name offers a few important travel protections, plus generous rewards for big food spenders. In addition to its impressive rewards rates for purchases at U.S. supermarkets and restaurants worldwide, this card also comes with up to $240 in credits per year that can apply to select dining purchases and Uber rides or Uber Eats food deliveries.

Cardholders with the card_name also earn American Express Membership Rewards points that are highly flexible and valuable when it comes to travel redemptions.

card_name : Best for flat-rate rewards

Capital one® venture® rewards credit card.

• Earns flexible rewards with Capital One.
• Miles transfer to Capital One airline and hotel partners.
• Excellent flat rewards rate.
• Fee credit for Global Entry or TSA PreCheck membership included.
• Primary auto rental coverage worth up to the actual cash value of a vehicle if you don't have your own insurance (secondary coverage if you have your own insurance)
• Lost luggage reimbursement worth up to $3,000 per trip ($2,000 per bag for New York residents)
• Travel accident insurance worth up to $250,000

The card_name offers a few travel insurance benefits that can help protect your trip. Cardholders also earn flexible Capital One miles that can be used to book travel through Capital One or transferred to airline and hotel partners. Rewards can also be used for statement credits, gift cards and other flexible options.

The annual_fees annual fee on this card makes it a steal when you consider the sign-up bonus you can earn, along with perks like a fee credit for Global Entry or TSA PreCheck membership.

card_name : Best with no annual fee

Chase freedom unlimited®.

• Generous cash back rate for everyday purchases.
• Comes with intro APR offer.
• Rewards points are flexible.
• Points do not transfer to Chase airline and hotel partners.
• High variable APR after intro offer.
• Charges foreign transaction fees.
• Trip cancellation coverage worth up to $1,500 per passenger and $6,000 per covered trip.
• Trip interruption coverage worth up to $1,500 per passenger and $6,000 per covered trip.
• Secondary auto rental coverage.

The card_name is an excellent choice for infrequent travelers who want protection for trip cancellation and interruption first and foremost. This card doesn't charge an annual fee, and it features incredible cash back rates in several everyday spending categories. Users even get an intro_apr_rate,intro_apr_duration and balance_transfer_intro_apr,balance_transfer_intro_duration , which can help them save on interest payments for more than a year.

card_name : Best airline credit card for travel insurance

United quest℠ card.

• Earns United miles that are redeemable for flights with United and Star Alliance partners.
• Comes with frequent flyer benefits.
• Earn PQP toward elite status.
• annual_fees annual fee applies.
• Rewards inflexibility.
• Trip cancellation coverage worth up to $1,500 per traveler and up to $6,000 per covered trip.
• Trip interruption coverage worth up to $1,500 per traveler and up to $6,000 per covered trip.
• Baggage delay insurance worth up to $100 per day for three days (six-hour delay required).
• Trip delay reimbursement worth up to $500 per ticket (12-hour delay or overnight stay required).
• Primary auto rental coverage worth up to the cash value of the vehicle.

While the card_name requires a annual_fees annual fee, this card comes with a robust selection of travel insurance benefits and frequent-flyer perks. Users also earn United miles that can be used for flights with United and partners to more than 1,200 destinations in 186 countries around the world.

This card also gives members the chance to earn PQP toward elite status with the United MileagePlus program.

card_name : Best for Marriott Bonvoy

Marriott bonvoy brilliant® american express® card.

Trip Cancellation and Interruption Insurance - The maximum benefit amount for Trip Cancellation and Interruption Insurance is $10,000 per Covered Trip and $20,000 per Eligible Card per 12 consecutive month period.

Premium Global Assist Hotline - 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. Plus, we may provide emergency medical transportation assistance and related services. Third-party service costs may be your responsibility.

• If approved and coordinated by Premium Global Assist Hotline, emergency medical transportation assistance may be provided at no cost. In any other circumstance, Card Members may be responsible for the costs charged by third-party service providers.

Return Protection - With Return Protection, you may return eligible purchases to American Express if the seller won't take them back up to 90 days from the date of purchase. American Express may refund the full purchase price excluding shipping and handling, up to $300 per item, up to a maximum of $1,000 per calendar year per Card account, if you purchased it entirely with your eligible American Express® Card. Purchases must be made in the U.S. or its territories.

Purchase Protection - Purchase Protection is an embedded benefit of your Card Membership and requires no enrollment. It can help protect Covered Purchases made on your Eligible Card when they’re accidentally damaged, stolen, or lost, for up to 90 days from the Covered Purchase date. The coverage is limited up to $10,000 per occurrence, up to $50,000 per Card Member account per calendar year. Coverage Limits Apply.

Baggage Insurance Plan - 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 Card. Coverage can be provided for up to $2,000 for checked Baggage and up to a combined maximum of $3,000 for checked and carry-on Baggage, in excess of coverage provided by the Common Carrier. The coverage is also subject to a $3,000 aggregate limit per Covered Trip. For New York State residents, there is a $2,000 per bag/suitcase limit for each Covered Person with a $10,000 aggregate maximum for all Covered Persons per Covered Trip.

Car Rental Loss & Damage Insurance - Car Rental Loss and Damage Insurance can provide coverage up to $75,000 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.

• Automatic Platinum Elite status with Marriott Bonvoy.
• Includes a range of travel benefits and statement credit offers.
• Comes with airport lounge membership.
• Generous welcome bonus and earning rates.
• Trip cancellation insurance worth up to $10,000 per covered trip and up to $20,000 per eligible card per 12-month period.
• Trip interruption insurance worth up to $10,000 per covered trip and up to $20,000 per eligible card per 12-month period.
• Trip delay insurance worth up to $500 per trip (six-hour delay required) with a maximum limit of two claims per 12-month period.
• Baggage insurance plan worth up to $2,000 for checked bags and up to $3,000 for both checked and carry-on luggage ($2,000 per bag in coverage for New York residents with aggregate limit of $10,000).

The card_name offers a suite of impressive benefits Marriott Bonvoy enthusiasts will love, including annual dining credits, automatic Platinum Elite status, and a $100 property credit. Other cardholder perks help justify the annual_fees annual fee, including Priority Pass Select membership and the credit for Global Entry or TSA PreCheck membership.

This card also includes more travel insurance benefits than many other hotel credit cards on the market today.

Hilton Honors American Express Aspire Card : Best for Hilton Honors

Hilton Honors American Express Aspire Card

• Comes with automatic Hilton Diamond status.
• Range of hotel benefits and statement credits included.
• Comes with Priority Pass Select membership.
• Free night award each year.
• Several flight benefits included.
• $550 annual fee.

The Hilton Honors American Express Aspire Card offers a robust selection of benefits for air travel, airports and stays with the Hilton brand. While the $550 annual fee is high, perks like airport lounge membership, annual hotel stay credits and a free night award each year can more than make up for it. The included travel insurance benefits for this card are also generous, and they can be well worth having if you need to file a claim.

Best credit cards for travel insurance 2024: Comparison

How we chose the best credit cards for travel insurance.

To find the best credit cards for travel insurance, we looked at cards based on their included insurance benefits first and foremost. We gave preference to cards that offer trip cancellation and interruption coverage, as well as insurance for lost or delayed bags and travel delays.

We also looked for credit cards that offer the most lucrative rewards structures and welcome offers, as well as flexibility within their designated rewards programs. Other factors we took into consideration include annual fees and interest rates.

Choosing the best credit card for travel insurance: Where to begin

The best credit card for travel insurance can vary from person to person, and assessing each card based on the most important factors can help you in your search. Consider the following criteria as you select a credit card for your next trip.

Travel insurance benefits

The credit cards in this ranking offer complimentary travel insurance protections, although you have to pay for travel with your card for a trip to be covered. These benefits can include trip cancellation and interruption insurance, baggage delay coverage, lost luggage reimbursement, trip delay insurance, primary auto rental coverage and more. Some cards even offer limited coverage for emergency medical expenses and emergency medical evacuation.

Annual fees

Credit cards with the most benefits tend to charge annual fees of $395 to $695. Meanwhile, there are some credit cards with travel insurance that charge $0 to $95 per year.

Either way, you'll want to make sure any annual fee you pay is worth it based on the travel insurance benefits, rewards and other perks you receive.

Travel perks and features

Decide if you want premium travel benefits like airport lounge access, expedited airport security or annual travel credits. If you do want a travel credit card with all the bells and whistles, prepare to pay several hundred dollars in annual fees each year.

Customer satisfaction rankings

You can also look at customer service rankings from different card issuers to determine the quality of customer service you'll receive. Consider the customer service scores below from J.D. Power's 2023 U.S. Credit Card Satisfaction Study , which were assigned by using responses from 31,418 credit card customers from August 2022 through June 2023.

Eligibility by credit score

Note that the majority of credit cards with travel insurance require very good or excellent credit. If you have poor credit or fair credit, you should focus on improving your credit score and financial health before you apply.

Rewards programs

Finally, consider the rewards rates for cards you're looking at and the type of rewards you'll earn. You'll find that credit cards with travel insurance can earn cash back, flexible rewards for travel, airline miles or hotel points.

What does travel insurance from a credit card cover?

Credit cards with travel insurance can offer different protections with their own unique coverage limits and policy limitations. The most common types of travel insurance you can get with a credit card include:

• Trip cancellation coverage : This coverage can reimburse you for prepaid travel expenses when you must cancel a trip for a covered reason like the death of an immediate family member or a sudden illness.
• Trip interruption coverage : Interruption insurance can reimburse you for prepaid travel expenses when a trip must be interrupted for a covered reason, such as falling ill during your vacation.
• T rip delay coverage : This coverage can pay for sudden hotel bills or meals when a trip is delayed by at least six or 12 hours or a delay forces an overnight stay.
• Baggage delay insurance : Baggage delay coverage can pay for clothing, toiletries and other essentials when your bags are delayed by at least six or 12 hours.
• Lost luggage reimbursement : Insurance for lost luggage can reimburse you for your baggage and belongings when your luggage is lost in transit while in the care of a common carrier.
• Rental car coverage : This protection can be primary or secondary to your own insurance, and policy limits apply.
• Medical and dental expense coverage : This protection can pay for emergency medical and dental expenses you incur when traveling away from home.
• Medical evacuation coverage : This type of travel insurance can pay for transportation in a helicopter, an ambulance or a plane when you must be medically transported due to a health emergency.
• Travel accident insurance : This coverage can kick in if you lose your life or are accidentally dismembered during a covered trip.

Pros and cons of credit card travel insurance

Credit card travel insurance comes with its share of benefits that cannot be denied, but there are downsides that come with relying on a credit card for travel insurance protection as well.

Consider these pros and cons:

Pros of credit card travel insurance

• Complimentary coverage : The biggest upside of credit card travel insurance is the fact it's offered for free. You just have to pay for travel with your credit card (or your rewards points in some cases) for coverage to apply.
• Coverage limits can be high : Some credit card insurance protections come with high limits that are enough to cover most trips.
• Can apply to family members : The best coverages apply to the primary cardholder and other companions they're traveling with, including family members.

Cons of credit card travel insurance

• Low coverage limits in some cases : Some cards have relatively low travel insurance limits that may not provide enough protection when you need it most.
• Limited coverages with some cards : Some credit cards with travel insurance only have a few kinds, so they may leave you without important protections you need.
• Minimal protection for emergency medical expenses : Only one credit card offers travel insurance for emergency medical expenses (the card_name ), and this coverage is only worth up to $2,500 when you're traveling more than 100 miles from home.

Do you need additional travel insurance?

Whether you need to buy travel insurance that applies independently of what your credit card offers depends on the type of trip you're taking and how much it costs. If you're driving a few towns away to stay in a hotel, for example, you may be fine with credit card travel insurance. The same is true if you're flying to another state for a relatively inexpensive vacation.

If you're traveling internationally where your own health insurance won't apply, however, you'll likely want to purchase a travel insurance plan that includes robust protection for emergency medical expenses and emergency medical evacuation. Expensive trips may also need travel insurance with higher limits than you can get with credit card coverage.

Frequently asked questions (FAQs)

Do credit card companies sell travel insurance.

Credit card companies do not sell travel insurance, but plenty of reputable travel insurance providers do. If you're ready to compare plans, you can check out companies like Allianz, Travelex and World Nomads.

Is travel insurance worth it for international travel?

Travel insurance is essential for international travel if you want to have coverage for emergency medical expenses and emergency medical evacuation. After all, U.S. health plans do not work overseas, nor do government healthcare programs like Medicare.

Does my Visa card cover travel insurance?

The travel insurance protections you get with a credit card depend on the exact card you have.

How do I know if my credit card covers travel insurance?

Read over your credit card's guide to benefits to find out which protections are already included. You can also call your card issuer to inquire about coverage, but make sure they send you the information in the mail.

For rates and fees of the card_name , please visit URL .

AP Buyline has partnered with CardRatings for our coverage of credit card products. AP Buyline and CardRatings may receive a commission from card issuers.

• Auto Insurance Best Car Insurance Cheapest Car Insurance Compare Car Insurance Quotes Best Car Insurance For Young Drivers Best Auto & Home Bundles Cheapest Cars To Insure
• Home Insurance Best Home Insurance Best Renters Insurance Cheapest Homeowners Insurance Types Of Homeowners Insurance
• Life Insurance Best Life Insurance Best Term Life Insurance Best Senior Life Insurance Best Whole Life Insurance Best No Exam Life Insurance
• Pet Insurance Best Pet Insurance Cheap Pet Insurance Pet Insurance Costs Compare Pet Insurance Quotes
• Travel Insurance Best Travel Insurance Cancel For Any Reason Travel Insurance Best Cruise Travel Insurance Best Senior Travel Insurance
• Health Insurance Best Health Insurance Plans Best Affordable Health Insurance Best Dental Insurance Best Vision Insurance Best Disability Insurance
• Credit Cards Best Credit Cards 2024 Best Balance Transfer Credit Cards Best Rewards Credit Cards Best Cash Back Credit Cards Best Travel Rewards Credit Cards Best 0% APR Credit Cards Best Business Credit Cards Best Credit Cards for Startups Best Credit Cards For Bad Credit Best Cards for Students without Credit
• Credit Card Reviews Chase Sapphire Preferred Wells Fargo Active Cash® Chase Sapphire Reserve Citi Double Cash Citi Diamond Preferred Chase Ink Business Unlimited American Express Blue Business Plus
• Credit Card by Issuer Best Chase Credit Cards Best American Express Credit Cards Best Bank of America Credit Cards Best Visa Credit Cards
• Credit Score Best Credit Monitoring Services Best Identity Theft Protection
• CDs Best CD Rates Best No Penalty CDs Best Jumbo CD Rates Best 3 Month CD Rates Best 6 Month CD Rates Best 9 Month CD Rates Best 1 Year CD Rates Best 2 Year CD Rates Best 5 Year CD Rates
• Checking Best High-Yield Checking Accounts Best Checking Accounts Best No Fee Checking Accounts Best Teen Checking Accounts Best Student Checking Accounts Best Joint Checking Accounts Best Business Checking Accounts Best Free Checking Accounts
• Savings Best High-Yield Savings Accounts Best Free No-Fee Savings Accounts Simple Savings Calculator Monthly Budget Calculator: 50/30/20
• Mortgages Best Mortgage Lenders Best Online Mortgage Lenders Current Mortgage Rates Best HELOC Rates Best Mortgage Refinance Lenders Best Home Equity Loan Lenders Best VA Mortgage Lenders Mortgage Refinance Rates Mortgage Interest Rate Forecast
• Personal Loans Best Personal Loans Best Debt Consolidation Loans Best Emergency Loans Best Home Improvement Loans Best Bad Credit Loans Best Installment Loans For Bad Credit Best Personal Loans For Fair Credit Best Low Interest Personal Loans
• Student Loans Best Student Loans Best Student Loan Refinance Best Student Loans for Bad or No Credit Best Low-Interest Student Loans
• Business Loans Best Business Loans Best Business Lines of Credit Apply For A Business Loan Business Loan vs. Business Line Of Credit What Is An SBA Loan?
• Investing Best Online Brokers Top 10 Cryptocurrencies Best Low-Risk Investments Best Cheap Stocks To Buy Now Best S&P 500 Index Funds Best Stocks For Beginners How To Make Money From Investing In Stocks
• Retirement Best Gold IRAs Best Investments for a Roth IRA Best Bitcoin IRAs Protecting Your 401(k) In a Recession Types of IRAs Roth vs Traditional IRA How To Open A Roth IRA
• Business Formation Best LLC Services Best Registered Agent Services How To Start An LLC How To Start A Business
• Web Design & Hosting Best Website Builders Best E-commerce Platforms Best Domain Registrar
• HR & Payroll Best Payroll Software Best HR Software Best HRIS Systems Best Recruiting Software Best Applicant Tracking Systems
• Payment Processing Best Credit Card Processing Companies Best POS Systems Best Merchant Services Best Credit Card Readers How To Accept Credit Cards
• More Business Solutions Best VPNs Best VoIP Services Best Project Management Software Best CRM Software Best Accounting Software
• Manage Topics
• Investigations
• Visual Explainers
• Newsletters
• Abortion news
• Coronavirus
• Climate Change
• Vertical Storytelling
• Corrections Policy
• College Football
• High School Sports
• H.S. Sports Awards
• Sports Betting
• College Basketball (M)
• College Basketball (W)
• For The Win
• Sports Pulse
• Weekly Pulse
• Buy Tickets
• Sports Seriously
• Sports+ States
• Celebrities
• Entertainment This!
• Celebrity Deaths
• American Influencer Awards
• Women of the Century
• Problem Solved
• Personal Finance
• Small Business
• Consumer Recalls
• Video Games
• Product Reviews
• Destinations
• Airline News
• Experience America
• Today's Debate
• Suzette Hackney
• Policing the USA
• Meet the Editorial Board
• How to Submit Content
• Hidden Common Ground
• Race in America

Personal Loans

Best Personal Loans

Auto Insurance

Best Auto Insurance

Best High-Yields Savings Accounts

CREDIT CARDS

Best Credit Cards

Advertiser Disclosure

Blueprint is an independent, advertising-supported comparison service focused on helping readers make smarter decisions. We receive compensation from the companies that advertise on Blueprint which may impact how and where products appear on this site. The compensation we receive from advertisers does not influence the recommendations or advice our editorial team provides in our articles or otherwise impact any of the editorial content on Blueprint. Blueprint does not include all companies, products or offers that may be available to you within the market. A list of selected affiliate partners is available here .

Credit Cards

American Express Business Platinum benefits guide 2024

Ashley Barnett

“Verified by an expert” means that this article has been thoroughly reviewed and evaluated for accuracy.

Robin Saks Frankel

Published 6:04 a.m. UTC April 9, 2024

• path]:fill-[#49619B]" alt="Facebook" width="18" height="18" viewBox="0 0 18 18" fill="none" xmlns="http://www.w3.org/2000/svg">
• path]:fill-[#202020]" alt="Email" width="19" height="14" viewBox="0 0 19 14" fill="none" xmlns="http://www.w3.org/2000/svg">

Editorial Note: Blueprint may earn a commission from affiliate partner links featured here on our site. This commission does not influence our editors' opinions or evaluations. Please view our full advertiser disclosure policy .

mastezphotois , Getty Images

With an eye-watering $695 annual fee (terms apply), there’s no denying that The Business Platinum Card® from American Express * The information for the The Business Platinum Card® from American Express has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. is an expensive card. But without a doubt, it’s also one of the best business travel cards , thanks to its extensive array of perks and ability to earn flexible, valuable Membership Rewards® points . Although the annual fee is high, it’s offset by valuable perks like statement credits, airport lounge access and top-notch travel and purchase protection¹.

All information about The Business Platinum Card® from American Express has been collected independently by Blueprint.

Amex Business Platinum Card overview

The Business Platinum Card® from American Express * The information for the The Business Platinum Card® from American Express has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. is one of the best cards for high-end travel benefits, lifestyle perks and ways to make your business run more smoothly. Of course, it all comes at a significant cost (a $695 annual fee). Therefore, it’s important to assess the card’s features to see if it’s worth it for you and your business. 

Those features include access to over 1,400 airport lounges worldwide, elite status with select hotel and rental car partners, airline fee statement credit and CLEAR ® Plus reimbursement, business-focused statement credits like Dell, Adobe, Indeed and much more. Enrollment is required for select benefits.

Looking for an Amex Business card with a less-lofty annual fee? Our list of the best American Express business cards will help you choose the right one for you.

Major Amex Business Platinum Card benefits

Travel benefits .

The Business Platinum Card® from American Express * The information for the The Business Platinum Card® from American Express has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. , like the consumer version, The Platinum Card® from American Express , is a powerhouse for premium travel benefits. Let’s break it down: 

• Airport lounge access: You will have access to a wide range of airport lounges. They include The Centurion® Lounge ; Delta Sky Club® lounges (when flying on a same-day Delta flight; limited to 10 annual visits starting Feb. 1, 2025); Priority Pass Select lounges upon enrollment (but not Priority Pass restaurants); Escape Lounges — The Centurion Studio Partner; Plaza Premium lounges and Lufthansa lounges when flying Lufthansa Group (access varies depending on what airline and cabin you’re flying).
• Hotel elite status: You’ll receive complimentary Hilton Honors Gold and Marriott Bonvoy Gold Elite status with enrollment. This offers benefits such as 25% bonus points on eligible hotel purchases, complimentary in-room Wi-Fi access and room upgrades at select properties (when available).
• Rental car elite status: You’ll get complimentary elite status with Avis Preferred Plus, Hertz Gold Plus Rewards President’s Circle and National Emerald Club Executive. One of the best parts of elite status, at select locations, is the ability to skip the line and go straight to your car at the start of your rental. In addition, you may receive car upgrades and waived second driver fees. Enrollment is required.
• Other hotel benefits: You will also get access to Amex’s Fine Hotels + Resorts® and The Hotel Collection programs through Amex Travel. Perks include complimentary breakfast for two (varies by property), early check-in when available, late checkout, complimentary Wi-Fi and room upgrades when available (certain rooms may not be eligible for upgrade). At select properties, you’ll also receive an experience credit of at least $100. The credit can be used towards purchases of on-site services, such as dining or spa treatments. Experience credits vary by property and will be applied to eligible charges up to the amount of the credit.
• Airline fee credit: You’ll receive up to $200 in statement credits per calendar year for incidental airline fees charged to your card. One qualifying airline must first be selected in advance before receiving this benefit, which can cover fees such as changes and cancellations, seat selection, upgrades, checked bags, lounge access and more.
• CLEAR Plus reimbursement: You can get a credit for up to $189 per calendar year for Clear Plus membership fees. No advance enrollment is required for this benefit; pay with your Business Platinum card to automatically receive a statement credit.
• TSA PreCheck/Global Entry reimbursement : You’ll also receive statement credits to reimburse your application fees for Global Entry ($100) or TSA PreCheck ($85). This benefit is available every 4 years for Global Entry or every 4.5 years for TSA PreCheck.
• Pay with Points airline bonus: With The Business Platinum Card® from American Express * The information for the The Business Platinum Card® from American Express has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. , you’ll get 35% of your points back (3.5 extra points for every 10 points redeemed – up to 1,000,000 bonus points per calendar year) when booking a flight with points through Amex Travel. This applies to flights in any cabin on your selected qualifying airline, or for first or business class flights on any airline.

Small business benefits 

As a small business card, The Business Platinum Card® from American Express * The information for the The Business Platinum Card® from American Express has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. offers tailored statement credits and perks to help companies run more smoothly (enrollment is required for select benefits):

• Adobe statement credit: You’ll get up to $150 back in Adobe statement credits for eligible annual prepaid business plans for Creative Cloud for teams or Acrobat Pro DC with e-sign for teams through Dec. 31, 2024.
• Dell statement credit: You can get up to $200 back semi-annually ($400 per year) on U.S. purchases with Dell technologies through Dec. 31, 2024. 
• Indeed statement credit: Through Dec. 31, 2024, you can also get up to $90 back quarterly ($360 per year) via statement credits for purchases with Indeed.
• Wireless credit: You’ll receive up to $10 back per month ($120 per year) in statement credits for wireless telephone service purchases made directly through a wireless provider in the U.S. on your Business Platinum card.

Insurance and protection benefits

The Business Platinum Card® from American Express * The information for the The Business Platinum Card® from American Express has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. has a robust array of travel and purchase protections¹. These include: 

• Trip delay insurance: Trip delay insurance applies to eligible round-trip travel expenses paid for with the Business Platinum. Coverage is good for up to $500 per trip, and for incidental expenses that apply (including meals, lodging, toiletries, medication and more) when a trip is delayed by six hours or longer. You are eligible to file two claims per 12-month period.²
• Trip cancellation and interruption insurance: Trip cancellation and interruption insurance will apply to eligible round-trip travel purchases charged to the Business Platinum card. This coverage is good for up to $10,000 per covered trip with a maximum benefit of $20,000 per eligible card every 12 months.³
• Baggage insurance: You’ll get automatic baggage insurance when paying with the card on a common carrier (like an airline or cruise line). This coverage is good for up to $2,000 per person for checked baggage and up to a combined $3,000 per person for checked and carry-on baggage.⁴
• Cellphone protection: Paying your cellphone bill with your card provides cellphone protection. There is a maximum of $800 liability per claim, and each claim is subject to a $50 deductible. There’s also a limit of two claims per eligible account in a 12-month period. You can maximize this perk by combining it with the wireless credit benefit above.⁵

Bonus points for spending

While The Business Platinum Card® from American Express * The information for the The Business Platinum Card® from American Express has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. isn’t the best card to use for all spending categories, there are certain instances where it does make sense to use it — like on flights and prepaid hotels through Amex Travel, as well as on large purchases — cardholders earn: 

• 5 Membership Rewards points per $1 on flights and prepaid hotels through American Express Travel.
• 1.5 points per $1 at U.S. construction material & hardware suppliers, electronic goods retailers and software and cloud system providers, shipping providers, and purchases of $5,000 or more on up to $2 million per calendar year.
• 1 point per $1 on other eligible purchases.

Additional benefits worth noting

• Global Dining Access with Resy: Global Dining Access perks include Priority Notify at all of Resy’s thousands of restaurants worldwide. This gives you special access to primetime tables at many of the most in-demand restaurants across the U.S. and internationally.
• Secondary Auto Insurance Coverage: Rental cars booked with The Business Platinum Card® from American Express * The information for the The Business Platinum Card® from American Express has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. receive secondary car rental loss and damage insurance⁶. Consider getting a credit card with primary rental car insurance if you want primary, as compared to secondary, coverage.

Frequently asked questions (FAQs)

Yes, The Business Platinum Card® from American Express * The information for the The Business Platinum Card® from American Express has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. has access to over 1,400 airport lounge locations worldwide with the Amex Global Lounge Collection.

First, to make the most of the Amex Business Platinum, be sure to maximize your points potential by meeting the minimum spending requirements to earn a welcome bonus.

Then, enroll your card in the statement credit offers such as those with Adobe, Indeed, Dell, select U.S. wireless telephone service providers, CLEAR and more. Also, sign up for hotel and rental car elite status programs that are included with the Business Platinum. Travelers will want to utilize lounge access, Resy benefits and more. 

Maximize the points you earn by putting larger purchases on The Business Platinum Card® from American Express * The information for the The Business Platinum Card® from American Express has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. . Beyond earning as many points as possible, you’ll also want to maximize the value upon redemption .

Both cards serve different purposes. While The Business Platinum Card® from American Express * The information for the The Business Platinum Card® from American Express has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. is geared more towards frequent travelers with more premium perks like lounge access, the American Express® Business Gold Card * The information for the American Express® Business Gold Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. (terms apply) is tailored to those with high spending who may not travel as frequently.

Overall, it’s better to spend on the Amex Business Gold card, with bonus-earning spending categories that include purchases at U.S. media providers for advertising in select media, U.S. restaurants, U.S. gas stations, transit purchases such as taxis or rideshare, and more.

All information about American Express® Business Gold Card and The Business Platinum Card® from American Express has been collected independently by Blueprint.

The Business Platinum Card® from American Express * The information for the The Business Platinum Card® from American Express has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. does not come with a traditional preset spending limit. The amount you can spend adapts based on factors such as your purchase, payment, and credit history.

Yes, The Business Platinum Card® from American Express * The information for the The Business Platinum Card® from American Express has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. comes with travel insurance, including trip delay insurance², trip cancellation and interruption insurance³ and baggage insurance⁴.

The publicly available offer for The Business Platinum Card® from American Express * The information for the The Business Platinum Card® from American Express has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. waxes and wanes. The current offer is for 120,000 Membership Rewards points after spending $15,000 on eligible purchases in the first three months of card membership. However, you may be targeted for even higher offers through your Amex account or via a tool like Cardmatch or even mailers.

¹Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

²Up to $500 per Covered Trip that is delayed for more than 6 hours; and 2 claims per Eligible Card per 12 consecutive month period. Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

³The maximum benefit amount for Trip Cancellation and Interruption Insurance is $10,000 per Covered Trip and $20,000 per Eligible Card per 12 consecutive month period. Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

⁴Baggage 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 Card. Coverage can be provided for up to $2,000 for checked Baggage and up to a combined maximum of $3,000 for checked and carry-on Baggage, in excess of coverage provided by the Common Carrier. The coverage is also subject to a $3,000 aggregate limit per Covered Trip. For New York State residents, there is a $2,000 per bag/suitcase limit for each Covered Person with a $10,000 aggregate maximum for all Covered Persons per Covered Trip.Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

⁵Coverage for a Stolen or damaged Eligible Cellular Wireless Telephone is subject to the terms, conditions, exclusions and limits of liability of this benefit. The maximum liability is $800, per claim, per Eligible Card Account. Each claim is subject to a $50 deductible. Coverage is limited to two (2) claims per Eligible Card Account per 12 month period. Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

⁶Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please 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.

*The information for the American Express® Business Gold Card and The Business Platinum Card® from American Express has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.

Blueprint is an independent publisher and comparison service, not an investment advisor. The information provided is for educational purposes only and we encourage you to seek personalized advice from qualified professionals regarding specific financial decisions. Past performance is not indicative of future results.

Blueprint has an advertiser disclosure policy . The opinions, analyses, reviews or recommendations expressed in this article are those of the Blueprint editorial staff alone. Blueprint adheres to strict editorial integrity standards. The information is accurate as of the publish date, but always check the provider’s website for the most current information.

Chris Dong is a travel, loyalty, and credit cards reporter. He has covered travel and personal finance content for national print and digital publications including The Washington Post, Business Insider, The Points Guy, Travel + Leisure, AFAR, Condé Nast Traveler, Lonely Planet, and more. When he’s not on the road, Chris calls Los Angeles home after nearly 10 years in New York City.

Ashley Barnett has been writing and editing personal finance articles for the internet since 2008. Before editing for USA TODAY Blueprint, she was the Content Director for an international media company leading the content on their suite of personal finance sites. She lives in Phoenix, AZ where you can find her rereading Harry Potter for the 100th time.

Robin Saks Frankel is a credit cards lead editor at USA TODAY Blueprint. Previously, she was a credit cards and personal finance deputy editor for Forbes Advisor. She has also covered credit cards and related content for other national web publications including NerdWallet, Bankrate and HerMoney. She's been featured as a personal finance expert in outlets including CNBC, Business Insider, CBS Marketplace, NASDAQ's Trade Talks and has appeared on or contributed to The New York Times, Fox News, CBS Radio, ABC Radio, NPR, International Business Times and NBC, ABC and CBS TV affiliates nationwide. She holds an M.S. in Business and Economics Journalism from Boston University. Follow her on Twitter at @robinsaks.

9 ways to maximize the Citi Custom Cash card’s 5% cash-back categories

Credit Cards Lee Huffman

Why I applied for the new Wells Fargo Autograph Journey℠ Visa® Card

Credit Cards Jason Steele

Which Citi balance transfer card should I get?

Credit Cards Julie Sherrier

5 reasons why the Citi Diamond Preferred is great for paying down debt

Credit Cards Michelle Lambright Black

Welcome offer on Chase’s IHG One Rewards Premier Business card soars to 175K points

Credit Cards Carissa Rawson

You might be a small business owner and not even know it

Chase Freedom Flex benefits guide 2024

6 ways to maximize the Citi Double Cash Card

Credit Cards Ben Luthi

How to use the Citi trifecta to maximize your rewards

Credit Cards Ryan Smith

Hilton Honors American Express business card unveils new profile, plumps up annual fee

Why my Citi Double Cash Card keeps getting better

Is the Citi Premier worth the annual fee?

Credit Cards Juan Ruiz

6 little known perks of the Citi Custom Cash Card

Credit Cards Harrison Pierce

Is the Chase Sapphire Preferred Worth it?

Credit Cards Tamara Aydinyan

Why I got the Citi Custom Cash Card this year instead of another travel rewards card

Credit Cards Kevin Payne

• Travel Insurance

The journalists on the editorial team at Forbes Advisor Australia base their research and opinions on objective, independent information-gathering.

When covering investment and personal finance stories, we aim to inform our readers rather than recommend specific financial product or asset classes. While we may highlight certain positives of a financial product or asset class, there is no guarantee that readers will benefit from the product or investment approach and may, in fact, make a loss if they acquire the product or adopt the approach.

To the extent any recommendations or statements of opinion or fact made in a story may constitute financial advice, they constitute general information and not personal financial advice in any form. As such, any recommendations or statements do not take into account the financial circumstances, investment objectives, tax implications, or any specific requirements of readers.

Readers of our stories should not act on any recommendation without first taking appropriate steps to verify the information in the stories consulting their independent financial adviser in order to ascertain whether the recommendation (if any) is appropriate, having regard to their investment objectives, financial situation and particular needs. Providing access to our stories should not be construed as investment advice or a solicitation to buy or sell any security or product, or to engage in or refrain from engaging in any transaction by Forbes Advisor Australia. In comparing various financial products and services, we are unable to compare every provider in the market so our rankings do not constitute a comprehensive review of a particular sector. While we do go to great lengths to ensure our ranking criteria matches the concerns of consumers, we cannot guarantee that every relevant feature of a financial product will be reviewed. We make every effort to provide accurate and up-to-date information. However, Forbes Advisor Australia cannot guarantee the accuracy, completeness or timeliness of this website. Forbes Advisor Australia accepts no responsibility to update any person regarding any inaccuracy, omission or change in information in our stories or any other information made available to a person, nor any obligation to furnish the person with any further information.

Travel Insurance For Indonesia: Everything You Need To Know

Updated: Apr 4, 2024, 12:32pm

Table of Contents

Travel insurance for indonesia, what does travel insurance for indonesia cover, does travel for indonesia cover all emergencies, will an insurer cover me if i have a medical condition, cost of travel insurance for indonesia, how do i compare travel insurance for indonesia, frequently asked questions (faqs).

While Indonesia may be most famous for its tourist hub, Bali , the archipelago, as a whole, has grown in popularity in recent months. The Australian Bureau of Statistics (ABS) reported Indonesia replacing New Zealand as the top destination for short-term trips overseas by Australians last year—the first time since the Bureau started collecting travel records nearly 50 years ago.

Roughly 1.37 million Australians visited Indonesia in 2023. While some 86% took a holiday there, 7% visited friends or relatives. Whatever your reason for visiting the country, you’ll want to make sure you’re safeguarded against common mishaps that can arise while away, and even in the lead up to your holiday. Travel insurance for Indonesia can provide this protection, paying out should you fall ill or get injured and need treatment during your stay, if you lose your baggage or belongings or need to cancel your trip. Find out exactly how travel insurance for Indonesia works, what it covers and does not cover below.

If you’re sticking solely to Bali and its associated islands, then you can read more in our guide to travel insurance for the island of the gods.

Featured Partners

Fast Cover Travel Insurance

On Fast Cover’s Secure Website

Medical cover

Unlimited, 24/7 Emergency Assistance

Cancellations

Unlimited, (Trip Disruption $50,000)

Key Features

25-Day Cooling Off Period, Australian Based Call Centre, 4.6 Star Product Review Rating

Cover-More Travel Insurance

On Cover-more’s secure website

Unlimited, with a $2000 limit to dental

Yes, amount chosen by customer

Southern Cross Travel Insurance

Medical Cover

Including medical treatment, doctors’ visits, prescribed medication, specialist treatment & medical transport costs

$2,500 with option to increase to unlimited

If you’re planning to visit Indonesia, you’ll need travel insurance specifically for the destination. There are three main types to choose from:

• Single trip: for a one-off trip in the space of 12 months to Indonesia
• Annual multi-trip: for more than one trip in the space of 12 months to Indonesia or various destinations. This type of cover can work out more cost-effective than buying multiple single trip policies but not always so it’s best to compare both types of cover.
• Long-stay/backpacker: for an extended stay in Indonesia, of typically 60 or 90 days, or 12 or 18 months. Cover for 24 months may be available, from certain providers.

Depending on the insurer, and the type of policy you choose, you may have the option to take out cover for Indonesia alone, Asia or worldwide destinations. Note that insurers usually offer worldwide policies that include the US and destinations such as Canada, Greenland Mexico and the Caribbean, and worldwide policies that exclude them, depending on where you’re going, as medical costs are extremely high in this part of the world.

A good travel insurance policy will cover emergency medical costs should you fall ill or injure yourself while away. This may also extend to medical rescue, and repatriation costs, for severe cases where you need transporting to a hospital or back to Australia.

Cover for personal liability should you injure someone or damage another person’s property, and trip cancellation for reasons such as falling ill before the trip or suffering a bereavement should also be included as standard. You should also be able to claim for loss or theft of your luggage and belongings. Note that there’s typically a total limit on the amount you can claim for your possessions, as well as an individual limit for each type of item.

A policy may additionally include a number of other forms of cover, such as:

• Personal money: the amount that can be claimed if your money is lost or stolen
• Missed departure: covers the cost of additional accommodation and travel should an emergency cause the policyholder to miss their journey
• Travel delay: pays out if your scheduled transport is late by typically a least 12 hours
• Company insolvency: compensates you if your airline or hotel goes bust
• Personal accident: pays out if an injury causes permanent disability or death

Insurers usually offer basic policies with few benefits and low cover levels and comprehensive policies that provide their widest range of cover and higher cover levels. They may also have one or more mid-level policies for anything in between.

Shopping around will allow you to find the best policy to suit your needs and budget. For help with finding a comprehensive policy, we’ve conducted in-depth research to find what we believe are the top 10 available .

It may be impossible for travel insurance for Indonesia to cover everything that can go wrong with a holiday, but it can cover a wide range of common scenarios, particularly if you opt for comprehensive cover. A policy’s product disclosure statement (PDS) sets out the specifics of what it does and does not cover. You should be able to access this on the insurer’s website, and read it before making a decision on whether it’s right for you.

Bear in mind that most insurers won’t cover a holiday where you’ve travelled to parts of Indonesia that the government’s Smartraveller website has on its “do not travel” list. To avoid this type of problem, it’s best to check the website for updates on Indonesia before purchasing a policy, and before departure. Smarttraveller will also advise if you should travel with caution, warning of risks, such as acts of terrorism, civil and political unrest and natural disasters.

Insurers will also likely reject claims resulting from intoxication from alcohol or drugs, and disorderly behaviour. If you’ve partaken in any sports and activities while away, it’s likely an insurer will only accept related injury claims if you wore the appropriate safety gear, such as a helmet, or harness.

Having a medical condition won’t necessarily hinder your chances of finding suitable cover for Indonesia, but you may find you’ll have to shop around a little more.

Only some insurers provide cover for what they term “pre-existing medical conditions”. These are conditions that you had before taking out the policy. Those that do provide this type of cover usually raise their premiums to do so, owing to the heightened risk that you’ll make a medical-related claim while away. The policy premium—the price of the policy—will often rise with the severity of a condition. This means cover for a heart condition will be more expensive than for diabetes, for example.

When running quotes on the sites of insurers that provide pre-existing medical cover, you’ll be taken to a medical screening section of the application. Make sure to state what conditions you have and answer the questions about them. This ranges from whether, and how often you take medication, to when you last saw a practitioner concerning your condition. If you later make a claim relating to a condition that you did not declare or detailed inaccurately, an insurer could refuse it.

Insurers refer to a number of factors when calculating how much you must pay for cover. This includes the number of people travelling, and the holiday destination and duration.

More mature travellers and those with pre-existing conditions will likely be charged more than younger travellers and those without conditions, as insurers deem them as high-risk travellers that will likely need to claim while away.

We used the profile of a family of four, aged 42, 40, 14 and 12, spending 13 to 26 May in Indonesia, and assumed they have no pre-existing conditions, (although these providers do offer cover for pre-existing conditions should you need it).

We found basic cover ranged from around $106 to $241, while comprehensive cover started at around $226, with the most expensive policy costing just under $324.

Running quotes on travel insurer websites will allow you to make side-by-side comparisons of their policies based on the types of cover they offer, the various cover levels and prices. Looking through the offerings of a number of insurers can help with finding a deal on the cover you need.

When running a quote you will need to enter details about yourself, anyone else travelling with you and your trip. This includes your name, the age of all travellers, your holiday destination and duration. If pre-existing cover is available, you will also be taken through a medical screening, so the insurer can build a medical profile on each traveller.

Is travel insurance mandatory for Indonesia?

Travel insurance is not a legal requirement for travelling to Indonesia. However, it is recommended by Smartraveller, which advises taking out a comprehensive policy that covers all emergency medical costs, including emergency treatment and medical evacuation. Without it, you could be faced with bills for thousands of dollars, which the Australian government will not pay.

What is required to enter Indonesia from Australia?

Australians visiting or transiting through Indonesia should apply for an e-Visa on arrival , at least 48 hours before travelling. You can alternatively get a Visa on Arrival at some international airports, seaports or land crossings.

To apply for an e-Visa on arrival or the Visa on arrival, you need to have an ordinary (non-emergency) passport that will remain valid at least six months after your arrival in Indonesia. Smarttraveller also advises ensuring your passport has a minimum six months validity from your departure from Indonesia, to avoid any issues with leaving the country or with an onward or return flight. You’ll also need to complete an e-customs declaration within three days of departure to Indonesia.

The Bali Provincial Government has introduced a tourist levy of IDR 150,000 ($14.56 AUD) per person for foreign tourists visiting Bali. The levy is separate from the e-Visa on Arrival or the Visa on Arrival. You can pay the levy online before you travel or on arrival at a designated payment counter at Bali’s airport and seaport. Further detail can be found on the Bali Provincial Government’s website .

What is ‘excess’ in travel insurance?

An excess is a set amount you’ll be expected to pay on each approved claim. It’s usually levied per person on the policy, per event, per claim, but you can check the PDS for the specifics concerning your insurer. You usually can pick from a range of excess amounts, from $50 – $250 on average, when taking out a policy.

The more you choose to pay in excess, the lower your policy premium typically will be, while paying less in excess will raise the cost. An excess is usually deducted from a claim amount, so you won’t need to pay for it out of pocket. However, it’s still crucial that you ensure you can afford it. Some insurers may also offer an excess waiver if you pay an extra premium.

• Best Comprehensive Travel Insurance
• Best Seniors Travel Insurance
• Best Domestic Travel Insurance
• Best Cruise Travel Insurance
• Best Family Travel Insurance
• Travel Insurance Cost
• Pregnancy Travel Insurance Guide
• Travel Insurance Cancellation Cover
• Travel Insurance For Bali
• Travel Insurance For Fiji
• Travel Insurance For The USA
• Travel Insurance For Thailand
• Travel Insurance For New Zealand
• Travel Insurance For Japan
• Travel Insurance For Europe
• Travel Insurance For Singapore
• Cover-More Travel Insurance Review
• Fast Cover Travel Insurance Review
• Travel Insurance Saver Review
• Allianz Comprehensive Travel Insurance Review
• 1Cover Comprehensive Travel Insurance Review
• Australia Post Comprehensive Travel Insurance Review

More from  

Fast cover comprehensive travel insurance review: pros and cons, our pick of the best domestic travel insurance for australians, travel insurance for singapore: the complete guide, the new travel document aussies will need to visit europe, our pick of the best comprehensive travel insurance providers in australia, our pick of the best cruise travel insurance.

I have been writing for newspapers, magazines and online publications for over 10 years. My passion is providing, in a way that is easily accessible and digestible to all, the knowledge needed for readers to not only manage their finances, but financially flourish.