Because we understand how busy the life of a frequent traveller can be, we
created American Express Travel Insurance (Annual). We also understand how a
missed connection, lost luggage, accident or illness can ruin an important trip
or spoil a well-earned holiday.
With American Express Travel Insurance (Annual), you'll have one less thing to
organise every time you travel. So you can be assured that regardless of where,
when or how many times you take a trip for business or pleasure in a year,
you'll be covered automatically for international journeys up to 90 days at a
time that are more than 100kms from your home . If you select the domestic
cover, then you'll be covered automatically for journeys up to 45 days anywhere
in Australia at a time that are more than 100kms from your home.
You can choose from 4 different levels of cover, either Premier (worldwide),
Classic (worldwide), Classic (excluding Americas & Africa) or Domestic
(Australia).
|
Schedule of Benefits |
Premier
(Worldwide)
|
Classic
(Worldwide)
|
Classic
(excluding
Americas
& Africa)
|
Domestic
(Australia)
|
|
1. Overseas Medical and Dental Expenses
Dental Expenses (limit)
(please refer to Section 1 of the Policy Wording and Product Disclosure
Statement) |
Unlimited
$4,000
|
Unlimited
$3,000
|
Unlimited
$3,000
|
Not Applicable
|
|
2. Additional Expenses
2.2 If You Die (limit)
(please refer to Section 2 of the Policy Wording and Product Disclosure
Statement) |
Unlimited
$20,000
|
Unlimited
$15,000
|
Unlimited
$15,000
|
$10,000
$10,000
|
|
3. Cash in Hospital
a) Daily Amount
b) Maximum Amount
(please refer to Section 3 of the Policy Wording and Product Disclosure
Statement) |
$50
$10,000
|
$50
$5,000
|
$50
$5,000
|
Not Applicable
|
|
4. Loss of Deposits & Cancellation Charges
Travel Agent’s Cancellation Fee (limit)
(please refer to Section 4 of the Policy Wording and Product Disclosure
Statement) |
Unlimited
$100
|
Unlimited
$100
|
Unlimited
$100
|
$10,000
$100
|
|
5. Missed Connection
(please refer to Section 5 of the Policy Wording and Product Disclosure
Statement) |
$3,000 |
$2,000 |
$2,000 |
Not Applicable |
|
6. Resumption of Journey
(please refer to Section 6 of the Policy Wording and Product Disclosure
Statement) |
$5,000 |
$3,000 |
$3,000 |
Not Applicable |
|
7. Luggage and Travel Documents
7.1 Loss, Theft or Damage
a) Item Limit (each)
b) Video & Electrical Equipment (combined maximum)
c) Laptop Computers (combined maximum)
7.2 Delayed Luggage Allowance
a) More than 24 hours (limit)
b) More than 72 hours (limit)
(please refer to Section 7 of the Policy Wording and Product Disclosure
Statement) |
$15,000
$1,500
$3,500
$4000
$500
$1,000
|
$10,000
$1,000
$2,500
$3,000
$500
$1,000
|
$10,000
$1,000
$2,500
$3,000
$500
$1,000
|
$5,000
$500
$500
$2,000
$500
$1,000
|
|
8. Replacement of Business Documents & Substitute Staff
(please refer to Section 8 of the Policy Wording and Product Disclosure
Statement) |
$7,500 |
$7,500 |
$7,500 |
Not Applicable |
|
9. Replacement of Money
(please refer to Section 9 of the Policy Wording and Product Disclosure
Statement) |
$1,000 |
$500 |
$500 |
Not Applicable |
|
10. Rental Vehicle Excess
(please refer to Section 10 of the Policy Wording and Product Disclosure
Statement) |
$4,000 |
$3,000 |
$3,000 |
Not Applicable |
|
11. Public Transport Hijacking
Daily Amount
Maximum Amount
(please refer to Section 11 of the Policy Wording and Product Disclosure
Statement) |
$750
$22,500
|
$500
$15,000
|
$500
$15,000
|
Not Applicable
|
|
12. Travel Delay Accommodation
(please refer to Section 12 of the Policy Wording and Product Disclosure
Statement) |
$2,000 |
$1,000 |
$1,000 |
$500 |
|
13.Personal Liability
(please refer to Section 13 of the Policy Wording and Product Disclosure
Statement) |
$3,000,000 |
$2,500,000 |
$2,500,000 |
Not Applicable |
| Excess |
The excess is the first amount of a claim, which We will not pay for.
The Policy excess for international travel is $100 (except for Cash in Hospital,
Rental Vehicle Excess, Public Transport Hijacking and Personal Liability where
an excess does not apply).
The Policy excess for domestic travel is $50. |
Who is covered
To apply for this insurance you must be between the age of 18 and 74. If you
purchase cover for you and your spouse/partner and dependent children, they are
covered only when they accompany you on your journey. Your spouse/partner is
not covered if they are over 74 years of age.
Bonus - ACE Assistance
ACE Assistance is a twenty-four (24) hour emergency referral service. In the
event of a medical or similar emergency simply phone, reverse the charge and
get immediate help in locating medical assistance in Your local area. This
service will also provide non-emergency pre-travel advice on some
health-related matters, verify insurance coverage and can help co-ordinate
immediate claim payments.
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