American Express Travel Guard is protection for the holiday maker - because you never know when your trip won't go to plan. With competitive rates, and a wide selection of plans to suit your itinerary, you won't want to leave home without this travel companion!
Benefits of Travel Guard include:
- Overseas Medical and Dental Expenses & Cash in Hospital.
- Cover for your Luggage and Travel Documents.
- Choice of different levels of cover to suit your needs.
- Easy payment direct from your American Express Card.
- No additional charge for Dependent Children travelling with you.
| Schedule of Benefits |
Plan A+ |
Plan A |
Plan B |
Plan C |
| |
Americas or Africa compulsory if more than 20% of your time is in the above destinations
|
UK, Europe, Japan, Hong Kong, China, The Middle East or Indian Sub-Continent
|
South East Asia |
New Zealand, Indonesia or South West Pacific |
1) Overseas Medical & Dental Expenses
(please refer to Section 1) |
Unlimited |
Unlimited |
$250,000 |
$75,000 |
2) Additional Expenses
2.1 Resumption of Journey (limit)
2.2 Special Events (limit)
2.4 If you Die (limit)
(please refer to Section 2) |
Unlimited
$3,000
$2,000
$10,000
|
Unlimited
$3,000
$2,000
$10,000 |
$250,000
$3,000
$2,000
$10,000 |
$75,000
$1,500
$2,000
$10,000 |
3) Cancellation Charges
Travel Agent's Cancellation Fee (limit)
(please refer to Section 3)
|
Unlimited
$750 |
Unlimited
$750 |
$250,000
$750 |
$75,000
$750 |
4) Luggage and Travel Documents
4.1 Loss, Theft or Damage
(a) Item Limit (each)
(b) Video & Electrical Equipment
(combined maximum)
4.2 Delayed Luggage Allowance
(a) More than 24 hours (limit)
(b) More than 72 hours (limit)
(please refer to Section 4)
|
$12,000
$500
$3,500
$500
$1,000
|
$10,000
$500
$3,500
$500
$1,000
|
$5,000
$500
$3,500
$500
$1,000
|
$1,000
$500
$500
$500
$1,000
|
5) Replacement of Money
(please refer to Section 5) |
$200 |
$200 |
N/A |
N/A |
6) Rental Vehicle Excess
(please refer to Section 6) |
$1,000 |
$1,000 |
$1,000 |
$1,000 |
7) Travel Delay
(please refer to Section 7) |
$1,200 |
$1,000 |
$875 |
$750 |
8) Cash in Hospital
(a) Daily Amount
(b) Maximum Amount
(please refer to Section 8) |
$50
$8,000 |
$50
$6,000 |
$50
$5,000 |
$50
$4,000 |
9)Public Transport Hijacking
(a) Daily Amount
(b) Maximum Amount
(please refer to Section 9) |
$1,000
$8,000 |
$1,000
$6,000 |
$1,000
$5,000 |
$1,000
$4,000 |
10) Personal Liability
(please refer to Section 10) |
$3,000,000 |
$2,500,000 |
$1,500,000 |
$1,000,000 |
11) Accidental Death & Disability
(please refer to Section 11) |
$25,000 |
$25,000 |
$15,000 |
$10,000 |
Excess: The excess is the first amount of a claim, which We will not pay for. The Policy excess is $100 for international plans (GST is not applicable for international plans).
Travel Guard Conditions:
- You are not aware of any circumstance which is likely to give rise to a claim before You take up this insurance.
- You are a permanent resident of Australia and will be returning to Your Home at the completion of the Period of Insurance.
- Journey must commence and terminate while this Policy is in force and is more than one-hundred (100) kilometres from Your Home.
- Age Limit – eighteen (18) up to and including seventy-four (74) years of age. However, You will be covered if You are seventy-five (75) years of age, provided You commenced the Journey before Your seventy-fifth (75th) birthday.
- Due to legislation, medical expenses for treatment and services received in Australia are not payable under this policy.
Please note that the above is a summary only and does not contain all the benefits and exclusions of Travel Guard. Please read the Product Disclosure Statement & Policy Wording for full details.
Who is covered
To apply for this insurance, you must be between the ages of 18 and 74. You can also purchase cover for a travelling companion who is between the ages of 18 and 74 as well.
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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