American Express Credit Card Insurance Terms and Conditions

AMERICAN EXPRESS CREDIT CARD INSURANCE

American Express

Credit Card Insurance

Terms and Conditions

Eective 15th March 2022

Qantas American Express Premium Card;

American Express Velocity Gold Card.

American Express Australia Limited ABN 92 108 952 085. ® Registered Trademark of American Express Company.

AMERICAN EXPRESS CREDIT CARD INSURANCE

Contents

Terms and Conditions 1

• About this Policy 1

• Cancelled or Suspended Cards 1

• Termination 1

• Remember to Check this Policy 1

• Always take care when Travelling 1

• Making a Claim 1

• Changes to this Policy 1

Important Things to Know About This Policy 1

• Excess 1

• Pre-Existing Medical Conditions 3

• Pregnancy & Travel Insurance Benets 3

• Exclusions Within This Policy 3

• Age Limits 4

• Excluded Sports and Activities 5

• COVID-19 5

• Travelling Against Medical or Government Advice 5

• Return Trips Only 5

• Fraud 5

• Australian Law 6

• Australian Currency 6

Chubb Assistance (In the Event of an Emergency) 6

Eligibility for Cover Under this Policy 6

• Eligibility Table 6

If You change Your American Express Card Account product, or

Your American Express Card Account is Cancelled or Suspended 8

Coverage Summary 10

Schedule of Benets 13

Denitions 17

Benets 21

• Section (A) Trip Cancellation And Amendment Cover 21

• Section (B) Personal Accident Cover 24

• Section (C) Travel Inconvenience Cover 24

• Section (D) Medical Emergency Expenses Cover 25

• Section (E) Personal Baggage, Valuables, Money And Travel

Documents Cover 27

• Section (F) Card Purchase Cover 30

• Section (G) Card Refund Cover 31

• General Exclusions Applicable To Sections A–G above 31

• General Conditions Applicable To All Sections 33

How to Make a Claim 33

General Information about this Policy 34

Privacy Statement 34

• Why We collect Your Personal Information 35

• How We obtain Your Personal Information 35

• When do We disclose Your Personal Information? 35

• Exchanging Personal Information with American Express 35

• Your decision to provide Your Personal Information 35

• Access to and correction of Your Personal Information 35

• How to Make a Complaint 35

Complaints and Customer Resolution Service 35

• Contact Details 35

• Process 36

• Our response 36

• External Dispute Resolution 36

Financial Claims Scheme 36

General Insurance Code of Practice 36

Sanctions 37

AMERICAN EXPRESS CREDIT CARD INSURANCE

Terms and Conditions

This Policy is eective from 15/03/2022

American Express® Card Insurance Policy Number: 09NACQPC06

Eligible American Express Card Products

This Policy applies to the following American Express Card Account

products only:

(a) Qantas American Express Premium Card;

(b) American Express Velocity Gold Card.

About this Policy

This Policy sets out important information about the insurance benets

available to Card Members, Additional Card Members,their Spouses

and Dependent Children. It explains the nature of the arrangements and

relevant benets and risks. If You feel that this product does not meet Your

specic needs and intended coverage, this Policy may not be right for You.

You may need to buy separate or additional insurance if this Policy does

not cover You for all the things You need cover for.

This document provides general advice only. It does not take into account

Your individual objectives, nancial situation or needs.

There is no obligation to accept any of the benets of this Policy. However,

if You wish to make a claim under the cover provided within this Policy,

You will be bound by the denitions, terms and conditions, exclusions and

claims procedures set out in this document.

This Policy oers 2 main types of benet and services:

1. Travel insurance benets; and

2. Retail item cover

Cancelled or Suspended Cards

If your Card is cancelled or suspended, you are not entitled to cover

under this Policy. It is your responsibility to make sure that your minimum

repayments are paid on time and that you comply with your American

Express Card Account terms and conditions. Refer to Your American

Express Card Account terms and conditions or please contact American

Express by calling the number on the back of your Card to obtain a copy.

Termination

Cover will be terminated at the earlier of the following:

• Your American Express Card Account is cancelled or suspended; or

• termination of the Group Policy.

Upon termination of the Group Policy, the insurance benets will no longer

be available to Card Members after the termination date. If You have

satised the eligibility criteria prior to the termination of the Group Policy,

cover is still available with respect to the cover section(s) that You are

eligible for. American Express will always notify You in advance if the Group

Policy is to be terminated. You in advance if the Group Policy is to

be terminated.

Remember to Check this Policy

It is important to check this Policy from time to time, particularly before

You travel to remind yourself of what is and isn’t covered. Some things

You might consider doing whilst travelling might not be covered (for

example, jet skiing, bungee jumping or hiring a scooter if You don’t have a

motorcycle licence).

You may need to buy separate or additional insurance if this Policy does

not cover You or the things You need cover for.

Please familiarise yourself with this Policy. We want to ensure You are clear

about what it covers and what it does not cover or excludes. If You are

unclear about anything in this document, please call 1800 236 023 and

Our insurance team will be happy to assist You with any enquiries.

Always take care when Travelling

Make sure You have checked the most up to date Australian Government

travel advice before You go on a Trip to understand any specic risks for

Your destination. You also need to make sure You take care with Your

belongings, make sure You keep valuable possessions on You and never

leave Your luggage Unattended (for example, in a car overnight). This

insurance is not designed to cover carelessness or high-risk activities, so

be a sensible and prudent traveller.

Making a Claim

If You need to make a claim, keep supporting documents and proof of

any loss, including all police reports, sales receipts and card statements

showing any purchases made. See Section ‘How To Make A Claim’ for

more detail.

Changes to this Policy

The cover under this Policy may be updated from time to time. A

copy of the current policy wording can always be found by visiting the

American Express Australia website at: https://www americanexpress.

com/au/insurance/insurance-with-your-card/. This document replaces

and supersedes any Policy issued prior to the eective date.

Important Things to Know About This Policy

We have listed a number of important things (below) that You should know

about this Policy. This information is not intended to be a complete list of

all coverage sections, terms, conditions or exclusions under this Policy.

Rather, the information is intended as a quick reference point to assist You

in Your understanding of this Policy.

Excess

Where applicable, an Excess is applied for each Event.

If a claim is covered, the Excess is rst deducted from the amount We will

pay and before any relevant depreciation and limits have been applied to

the claim amount.

The applicable Excess amount is specied in the Schedule of Benets.

An Excess may also be a waiting period, which is the amount of time You

have to wait until the benet may become payable.

AMERICAN EXPRESS CREDIT CARD INSURANCE

Examples

The below examples are provided for illustrative purposes only. Each claim will be assessed individually, based on the facts relative to the specic

claim

Example A – Excess applied: Example B – Excess and depreciation applied:

Example C – Excess and depreciation applied

to more than one Event:

Anna books accommodation to the Sunshiny

caravan park. Her Trip with the family is in

summer, which is 3 months away. A week

before the start of the family Trip, her son

has an accident at school and breaks his leg.

Unfortunately, he needs surgery and the Doctor

conrms it’s best to be at home for the recovery.

Anna paid $1,200 for the accommodation. The

Excess is $250.

a) Deduct the Excess of $250

b) Check the total cover limits and sub limits

in the Schedule of Benets. The amount

claimable is below these limits.

Calculation for the amount payable:

(-Excess) + accommodation = amount payable

(-$250) + $1,200 = $950 claim payment.

Jane travels to Brazil and while in Brazil her

laptop is stolen. She reports the theft to the

police and provides Us with the required

documentation. Jane paid $6,000 for her laptop

12 months prior to this Event. Jane’s Excess is

$250.

a. Deduct the Excess of $250

b. Establish original purchase price of the

laptop: $6,000

c. Apply depreciation*:

• 2.5% per month for 12 months = 30%

depreciation.

• 30% of $6,000 = $1,800 total depreciation.

d. Establish current value of the laptop by

subtracting depreciation from the purchase

price of the laptop

• $6,000 - $1,800 = $4,200

e. Check the total and per item limit shown

in the Schedule of Benets and select the

lower of current value of the laptop or the

item limit. If the per item limit is $2,500

which is lower than the current value

$4,200, hence We take the lower number

= $2,500.

Calculation for the amount payable:

(-Excess) + limit per item = amount payable

(-$250) + $2,500 = $2,250 claim payment.

Rob and his wife travelled to France for 14 days.

On the 4th day of their Trip, Rob slips down the

stairs at the hotel. Thankfully it’s not a major

injury, but he did twist his ankle and needs to

seek medical attention. He was billed $500 for

the Doctor’s appointment including some scans

and medication. On the 8th day, Rob had his

laptop stolen which was worth $1,000 when it was

purchased 6 months ago. Unfortunately, on the

last day of their Trip, Rob’s wife then lost her

Smartphone worth $900 that was purchased

directly before their Trip commenced. When they

return to Australia, Rob submitted a claim for the

3 Events.

As Rob and his wife had 3 Events during their Trip

to France, an Excess would be applied to each of

the Events (and Covered Persons).

Claim 1: (-$250) Excess + $500 Medical

costs = $250 claim payment.

Claim 2:

a. Deduct the Excess of $250

b. Establish original purchase price of the

laptop: $1,000

c. Apply depreciation*:

• 2.5% per month for 6 months = 15%

depreciation.

• 15% of $1,000 = $150 total depreciation.

d. Establish current value of the laptop by

subtracting depreciation from the purchase

price of the laptop

• $1,000 - $150 = $850

Calculation for the amount payable:

(-Excess) + current value = amount payable

(-$250) + $850 = $600 claim payment.

Claim 3: (-$250) Excess + $900

Smartphone = $650 claim payment.

*For depreciation details, please review Section E – Personal Baggage, Valuables, Money and Travel Documents Cover

AMERICAN EXPRESS CREDIT CARD INSURANCE

Pre-Existing Medical Conditions

This Policy does not cover any costs incurred from or relating to any

Pre-Existing Medical Condition under Sections A – E (below). For example,

it does not provide cover if You need emergency medical treatment

overseas for an existing illness or if You need to Cancel Your Trip because

a Close Relative’s existing medical condition deteriorates before You travel.

If You have Pre-Existing Medical Conditions, this cover may not be right

for You. Before You make Your Qualifying Travel Purchase, You should

review this Policy to make sure it provides the right cover for You and

Your health situation.

Pregnancy & Travel Insurance Benets

It’s important to understand how Your travel insurance benets under this

Policy may be limited if You are pregnant. These are summarised below.

When does the travel insurance cover You if You are pregnant?

If You are pregnant, You will be covered for unforeseen emergency medical

treatment whilst overseas up to 8 weeks before Your estimated date of

delivery. However, You will not be covered for costs associated with the

actual birth of Your child overseas or any pregnancy related medical

conditions that You were already suering before Your Qualifying Travel

Purchase. For more information see – When are You Not Covered if You

are pregnant? (below).

Two key sections of this Policy that You should be aware of are:

1. Section D - Medical Emergency Expenses Cover:

You are covered for Events arising from or related to Your pregnancy when

You are on an International Return Trip, if You have a udden and unexpected

Injury or Illness, which:

a. occurs more than 8 weeks before Your estimated date of

delivery; and

b. is not otherwise excluded within this Policy.

2. Section A - Trip Cancellation and Amendment Cover:

You are covered if You have a sudden and unexpected Injury or Illness

arising from or related to Your pregnancy that prevents You

from going on the Trip or continuing the Trip, and which:from going on the

Trip or continuing the Trip, and which:

a. is conrmed by medical evidence provided by a treat

ing Doctor;

b. occurs more than 8 weeks before Your estimated date of delivery; and

c. is not otherwise excluded within this Policy.

When Are You Not Covered if You are pregnant?

You are not covered for any costs arising from or related to:

1. any Pre-Existing Medical Condition;

2. any past medical condition(s) relating to a previous pregnancy or if You

have experienced pregnancy complications prior to Your Qualifying

Travel Purchase;

3. Your pregnancy under Medical Emergency Expenses Cover or Trip

Cancellation and Amendment Cover within 8 weeks of Your estimated

date of delivery;

4. any costs under Medical Emergency Expenses Cover arising from

childbirth or the health of a newborn child. This exclusion applies

irrespective of the stage of pregnancy at which the child is born;

meaning a newborn (whether premature or otherwise) is not considered

a Covered Person under this Policy if the child was born on the Trip;

5. any costs under Medical Emergency Expenses Cover arising from or

relating to an abortion, unless an abortion is medically necessary to

protect the health and safety of the mother following an Injury or Illness,

as determined by a treating Doctor;

6. fertility treatment or treatment associated with an assisted reproduction

program including but not limited to, in vitro fertilisation (IVF).

Exclusions Within This Policy

As with all insurance, there are certain exclusions that apply. Some

exclusions only apply to certain benets under this Policy, while

other exclusions apply to all claims. You should read the following:

a. General Exclusions and General Conditions sections within this

Policy, which apply to all claims.

b. Each cover section includes information about what We cover and

any terms and conditions and exclusions that apply to the

cover section.

To ensure You understand when We will pay for a claim, You should read

each section carefully. You should make sure to check this

Policy before You travel to make sure that You, and all the things You want

to do, are covered.

AMERICAN EXPRESS CREDIT CARD INSURANCE

Cover Section Age Limit

Age Limit for Covered Person

Travel Insurance Cover

(Sections A – E)

You must be 79 years of age or younger before You make Your

Qualifying Travel Purchase.

Card Purchase Cover (Section F)

Card Refund Cover (Section G)

No age limitations apply for these cover sections.

Age Limit for Close Relative or Travelling Companion

If Your claim relates to cancellation or disruption of Your Trip due to an Injury

or Illness of Your Close Relative or Travelling Companion, age limits also

apply.

Trip Cancellation and Amendment Cover (Section A)

Close Relative or Travelling Companion must be 90 years of age or younger

when You make Your Qualifying Travel Purchase.

Age Limits

Please note that to be eligible for some of the benets under this Policy, age limits apply. Please see the table below for a summary

of the age limits that apply within this Policy.

AMERICAN EXPRESS CREDIT CARD INSURANCE

Excluded Sports and Activities

Not everything You do on Your Trip will be covered by this Policy. This

includes

• some popular holiday activities such as bungee jumping, jet skiing,

horse riding or trekking (with climbing equipment or when You

ascend more than 3,000 metres from sea level).

• competitive sporting events (for example, where You may receive a

fee or prize money).

Please see the denition of ‘Excluded Sports and Activities’ for a full list of

activities and sports which are not covered under this Policy.

COVID-19

This Policy provides some limited cover related to Coronavirus Disease

19 (COVID-19) as outlined below. All claims are subject to the usual Policy

terms, conditions and exclusions.

Domestic Return Trips (Limited Cover only)

• If You need to change, Curtail or Cancel Your Domestic Return

Trip due to You, Your Travelling Companion, Your Close Relative or

a person You are visiting for the main purpose of Your Trip being

diagnosed with COVID-19, You will be eligible to claim under Section

A - Trip Cancellation and Amendment Cover.

• There is no Cancellation, Curtailment or Trip Change cover due to

border closures or travel advisory warnings related to COVID-19 for

Domestic Return Trips.

• There is no Medical Emergency Expenses cover for Domestic

Return Trips.

International Return Trips

• If You need to Curtail, Cancel or make a Trip Change to Your

International Return Trip due to You, Your Travelling Companion, Your

Close Relative or a person You are visiting for the main purpose of

Your Trip being diagnosed with COVID- 19, You will

be eligible to claim under Section A - Trip Cancellation and

Amendment Cover.

• If You need to cancel, curtail or change Your International Return

Trip because of border closures or travel advisory warnings due

to COVID-19, You will be eligible to claim under Section A – Trip

Cancellation and Amendment Cover.

• Cancellation cover - applies for border closures or upgraded travel

advisory warnings which occur after You make Your Qualifying Travel

Purchase for International Return Trips.

• Curtailment or Trip Change cover - applies for border closures or

upgraded travel advisory warnings which occur after You start Your

International Return Trip.

• If You become ill with COVID-19 whilst on an International Return Trip,

You will be eligible to claim under Section D – Medical Emergency

Expenses Cover. Please note:

• there is no cover if You travel when a ‘Do Not Travel’ travel advisory

warning has been issued by an Australian State or Territory or the

Australian Federal Government or an Australian government agency

(such as the Department of Foreign Aairs (DFAT)) prior to Your Trip

starting – even if You have an exemption to travel from the Australian

government or an Australian government agency.

• there is no cover if You travel when the borders have been closed at

Your destination prior to Your Trip starting.

Cancellation or Postponement of Special Events (No Cover)

There is no cover for the cancellation or postponement of a Special Event

(for example, a wedding, conference, concert or sporting event) in Australia

or overseas arising from or related to COVID-19.

Please refer to each policy section for a full overview of the cover, terms,

conditions and exclusions that apply.

Travelling Against Medical or Government Advice

If You are advised not to travel or not to go on a particular Trip (for example,

to a specic destination), You must comply with that advice. You will not

be covered under Sections A – E of this Policy if You start a Trip against the

following advice:

a) a treating Doctor advises You not to travel; or

b) an Australian State or Territory or the Australian Federal

Government or an Australian government agency (such as DFAT)

advises You not to travel (for example, through border closures

or ‘Do Not Travel’ travel advisories). This exclusion applies even if

You have been granted a travel exemption by an Australian State

or Territory, the Australian Federal Government or an Australian

government agency (such as DFAT) to travel.

If You are advised not to travel after You have made Your Qualifying Travel

Purchase, You may be entitled to cancel or change Your Trip and make a

claim under Section A - Trip Cancellation and Amendment Cover (subject

to the terms and conditions of this Policy).

Return Trips Only

You are only eligible for the travel insurance benets under Sections A – E

of this Policy for return Trips i.e. trips that begin and end from Your Home

or Work in Australia. It does not cover One-Way Trips where You have no

plans to return to Australia.

You may need to provide evidence of Your intention to return to Your Home

or Your Work where reasonably possible, for example by providing copies

of a return ticket, itinerary or schedule, return transfer or accommodation

bookings, conrmation of return to Work dates etc. Remember, cover

automatically ends for all Trips at 62 days.

Fraud

Chubb takes insurance fraud seriously. Creation or submission of false

documents, or exaggerating a genuine claim is considered insurance fraud.

Such behaviour has a negative impact on the cost of insurance for all

customers. We use Our dedicated special investigations unit at Chubb to

detect and investigate selected claims daily. When the evidence supports

it, Chubb will report suspect claims to the police and dedicate resources to

assisting any potential criminal prosecutions.

AMERICAN EXPRESS CREDIT CARD INSURANCE

Australian Law

Your Policy is governed by the laws of the State or Territory of Australia

where Your Home is. Any dispute or action in connection with Your Policy

will be conducted and determined in the courts of the State or Territory of

Australia in which Your Home is.

Australian Currency

All payments made under this Policy must be in Australian currency.

Chubb Assistance (In the Event of an Emergency)

Emergency assistance around the world

In the event of a medical emergency whilst overseas simply phone

+61 2 8907 5666 to get immediate help in locating medical assistance in

Your local area.

For all non-emergency matters, contact Chubb Customer Service on

1800 236 023, or You can submit Your claim online by visiting the Chubb

Claims Centre for American Express: www.americanexpress.com/

australia/claims

Where Your claim is excluded or falls outside this Policy coverage, We

may still provide You with some emergency assistance. If We do this, the

provision of emergency assistance by Chubb Assistance will not in itself be

an admission of liability.

Considerable eort is made to locate, assess and reassess medical

facilities and other services worldwide. However, the medical standards,

sanitary conditions, reliability of telephone systems and facilities for

medical services dier from country to country and accordingly, it is not

always possible to have control over these factors. In the circumstances,

responsibility for any loss, medical complication or death resulting from

any factor beyond Our control, cannot be accepted by Chubb Assistance

or Us.

Eligibility for Cover Under this Policy

Cover under this Policy is only available to Card Members who meet the

eligibility criteria. You need to use Your American Express Card Account

in accordance with the Eligibility Table below. Not all cover sections have

the same eligibility criteria, so it is important You understand when the

benets under this Policy become available to You.

Cover Section

Eligibility Criteria

To be eligible for the benets under the cover section(s) of

the Policy, the following eligibility criteria needs to be met:

When are

benets available

under the Policy?

When are no benets

available under this Policy?

Trav el

Insurance Cover

(Sections A – E)

(Continued below)

1. You are a Card Member or an Additional Card Member or their:

a. Spouse; or

b. Dependent Child.

2. You are a Resident of Australia.

Domestic Return Trips

3. You are going on a Domestic Return Trip and You either:

a. spend $500 or more on accommodation; or

b. pay the full amount of Your outbound ticket for a Scheduled

Flight, Scheduled Cruise, bus or train to Your scheduled

outbound destination,

on Your:

i. American Express Card Account;

ii. corresponding American Express Membership Rewards points

/Qantas Points /Velocity Points (where applicable); and/or

iii. Travel Benet.

If You have satised the

eligibility criteria, You will be

eligible to make a claim for

the Domestic Return Trip

or International Return Trip

that eligibility condition 3 or

4 applies to.

There is no cover under this

Policy if:

1. You do not meet the eligibility

criteria;

2. Your American Express Card

Account has been cancelled

or suspended;

3. You are going on a One-Way

Trip.

Please also refer to the Terms,

Conditions and Exclusions

within each cover section

(A – E below) and the General

Exclusions and General

Conditions within this Policy.

Eligibility Table

AMERICAN EXPRESS CREDIT CARD INSURANCE

Cover Section

Eligibility Criteria

To be eligible for the benets under the cover section(s) of

the Policy, the following eligibility criteria needs to be met:

When are benets

available under

the Policy?

When are no benets available

under this Policy?

Trav el

Insurance Cover

(Sections A – E)

(Continued)

International Return Trips

4. You are going on an International Return Trip and You pay the

full amount of Your outbound ticket for a Scheduled Flight or

Scheduled Cruise leaving Australia on Your:

i. American Express Card Account;

ii. corresponding American Express Membership Rewards

points/Qantas Points/Velocity Points (where applicable);

and/or

iii. Travel Benet.

5. You hold an eligible American Express Card Account which is

current (meaning it is not cancelled or suspended).

6. You are 79 years of age or younger when You make Your

Qualifying Travel Purchase.

Card Purchase

Cover (Section F)

Card Refund Cover

(Section G)

1. You are a Card Member or an Additional Card Member or their:

a. Spouse; or

b. Dependent Child.

2. You are a Resident of Australia.

3. You purchase an Eligible Item and pay the entire cost using:

I. Your American Express Card Account; and/or

II. corresponding Qantas Points / Velocity Points (where

applicable).

4. You hold an eligible American Express Card Account which is

current (meaning it is not cancelled or suspended).

If You have satised

the eligibility criteria,

You will be eligible

to make a claim for

the Eligible Item that

eligibility condition 3

applies to.

There is no cover under this Policy if:

1. You do not meet the eligibility

criteria;

2. Your American Express Card

Account has been cancelled or

suspended;

Please also refer to the Terms,

Conditions and Exclusions within

each cover section (F and G below)

and the General Exclusions and

General Conditions within this Policy.

IMPORTANT INFORMATION: American Express has the right to change or terminate the Group Policy and your insurance benets under it. American

Express will always notify you before making any change to the Group Policy that materially impacts your insurance benets.

AMERICAN EXPRESS CREDIT CARD INSURANCE

If You change Your American Express Card

Account product, or Your American Express Card

Account is Cancelled or Suspended

If You change Your American Express Card Account product to

another card oered by American Express (e.g. a card downgrade

or upgrade), you will not be entitled to cover under this Policy and

the insurance benets will stop.

The card you hold at the date of the claim Event will determine

which insurance benets you have. If your new American Express

card comes with insurance benets, you may be entitled to cover

American Express card at the date

of Qualifying Purchase

American Express card at the

date of claim Event

Which policy applies?

Your American Express Card Account product

associated with this Policy.

A dierent American Express

card with no insurance benets.

This Policy will not apply as you changed Your American

Express card. This means there is no cover under this Policy.

See Example A below.

Your American Express Card Account product

associated with this Policy.

A dierent American Express card

with dierent insurance benets (i.e.

where you upgrade or downgrade to a

dierent card).

This Policy will not apply as you changed Your American

Express card.

The policy of your new American Express card will apply,

subject to the terms, conditions, limits and exclusions of

that policy.

See Example B below.

A dierent American Express card product with

or without insurance benets.

Your American Express Card Account

associated with this Policy.

This Policy will apply. Cover is subject to the terms,

conditions, limits and exclusions of this Policy.

CARD SUSPENSION OR CANCELLATION

Your American Express Card Account product

associated with this Policy.

Your American Express Card Account

has been cancelled or suspended.

This Policy does not apply; there are no insurance benets

available to you as your American Express Card Account has

been cancelled or suspended.

under that new policy. You should always check before changing

to another American Express card whether that card comes with

insurance benets, and the terms and conditions associated with

any such insurance benets to ensure the level of cover is right

for You.

If your American Express Card Account is suspended or

cancelled, then there is no cover under this Policy.

Please see the table below for more information.

AMERICAN EXPRESS CREDIT CARD INSURANCE

The following examples are provided to illustrate how Your cover may be aected by changes to Your card.

Example A – No American Express Card Account in place at the

date of claim Event

Example B – Dierent American Express card in place at the

date of claim Event

Joan holds an American Express Card Account that has travel insurance

cover and makes a Qualifying Travel Purchase for a Trip that she intends to

take later in the year.

Before she starts her Trip, Joan decides to cancel her American Express Card

Account. Upon cancelling her American Express Card Account, Joan does

not apply for another American Express card.

Subsequently, Joan travels and unfortunately her luggage is lost in transit to

her scheduled destination.

Joan does not have any entitlement to make a claim under the Policy for

the lost luggage as Joan had cancelled the American Express Card Account,

which means Joan did not hold a valid American Express Card Account at

the date of the claim Event and therefore no longer has access to the travel

insurance cover.

Tim makes a Qualifying Travel Purchase for a Trip using his American Express

Card Account that has travel insurance cover.

Prior to travelling, Tim arranges with American Express to downgrade his

card to another American Express card with a lower fee that has less travel

insurance benets.

On the Trip, Tim suers an Injury. The previous American Express Card

Account which Tim held included Medical Emergency Expenses cover, but

the new card held by Tim at the date of the claim Event does not include

Medical Emergency Expenses cover.

Tim cannot therefore make a claim for Medical Emergency Expenses as

the policy in force at the date of the claim Event does not include this type

of cover.

For medical and travel emergencies, please contact Chubb Assistance on +61 2 8907 5666.

For claims and general enquiries about this Policy, please contact Chubb:

Address: Grosvenor Place, Level 38, 225 George Street, SYDNEY NSW 2000 Australia

Postal Address: GPO Box 4907, SYDNEY NSW 2001

Telephone: 1800 236 023

Overseas Telephone: +61 2 9335 3492

Email: CardmemberServices.ANZ@Chubb.com

Not an emergency?

Making a claim is quick and easy. You can submit Your claim online by visiting the Chubb Claims Centre for American Express:

www.americanexpress.com/australia/claims

AMERICAN EXPRESS CREDIT CARD INSURANCE

Section Cover Description Key Exclusions

Travel Insurance Cover

A Trip Cancellation and Amendment Cover

Provides cover in the event You must Cancel, Curtail or change

Your Trip for the following reasons:

• You or Your Travelling Companion suering an Injury,

unforeseen Illness or dying before or during Your Trip;

• a Close Relative, suering an Injury or an unforeseen Illness or

dying before or during Your Trip;

• a Natural Disaster has caused devastation to the destination

You were intending to travel;

• an Australian State or Territory or the Australian Federal

Government or an Australian government agency (such as

DFAT – Department of Trade and Foreign airs) upgrading

a travel advisory to ‘Reconsider your need to travel’ or ‘Do

Not Travel’ travel warning or borders closing in respect of the

destination You were intending to travel after You:

• make Your Qualifying Travel Purchase in the case of a

Cancellation claim, or

• start Your Trip in the case of a Curtailment or Trip Change.

Cover varies depending on the Trip type (international or

domestic).

What is covered?

Non-refundable deposits, excursion costs and unused

travel and accommodation costs You have paid in advance.

We will not pay for:

• Cancellation, Curtailment or Trip Change due to a Pre-Existing Medical

Condition;

• losses arising from the death, serious injury or acute Illness of any

Close Relative or Travelling Companion who is 91 years or older when

You made Your Qualifying Travel Purchase;

• circumstances where Cancellation, Curtailment or Trip Change was

foreseeable, avoidable, unnecessary or within Your control at the time

of making a Qualifying Travel Purchase (for Cancellation) or before

starting a Trip (for Curtailment or Trip Change);

• You or any other person simply changing their mind and deciding not

to travel or choosing to stop their Trip;

• Cancellation, Curtailment or Trip Change of a Domestic Return Trip

due to border closures, travel advisory warnings or quarantine as a

result of an epidemic, pandemic or outbreak of an infectious disease

or virus or any derivative or mutation of such viruses;

• the cancellation or postponement of a Special Event arising from or

related to an epidemic, pandemic or outbreak of an infectious disease

or virus or any derivative or mutation of such viruses.

B Personal Accident Cover

1. Accidental Death or Permanent Disablement during Your

Trip

Cover in the event of Your Accidental Death or Permanent

Disablement due to an accident whilst on a Trip.

2. Public Transport Accident Cover

Provides cover for Accidental Death or Permanent Disablement

arising:

• While travelling as a passenger on Public Transport; or

• From exposure and disappearance.

We will not pay for:

• events which occur whilst travelling on privately hired, rented or

chartered transport under part 2 – Public Transport Accident Cover;

• death caused by illness or natural causes.

Coverage Summary

IMPORTANT

• The following table is a summary of cover only, it is not an exhaustive list of all limits, terms, conditions or exclusions in this Policy. It is intended to

be a quick reference tool to help You understand the main benets and some exclusions that apply.

• You should always read the full Policy for comprehensive details.

AMERICAN EXPRESS CREDIT CARD INSURANCE

Section Cover Description Key Exclusions

Travel Insurance Cover

C Travel Inconvenience Cover

Provides cover if:

• Your Scheduled Flight departure is delayed by 4 hours

or more;

• Your Scheduled Flight is cancelled;

• You are denied Scheduled Flight boarding;

• You miss a Scheduled Flight connection; or

• Your checked luggage is delayed by 6 hours or more.

The amount of cover varies for each benet.

We will not pay for:

• Personal Baggage delay at the airport You rst departed from in Your

Home State or Territory in Australia;

• the purchase of clothing and toiletries which are not necessary for

Your Trip;

• costs if You fail to notify the transport provider or carrier about delayed or

missing luggage or You do not obtain a luggage incident report from them

or show You have taken reasonable steps to obtain one.

D Medical Emergency Expenses Cover

Provides cover for Repatriation/Evacuation, cost of overseas

Treatment, emergency dental Treatment and

reasonable extra accommodation costs in the event of a

Medical Emergency while You are on Your International

Return Trip, and transportation of Your remains or burial

expenses following Your death while on a Trip.

We will not pay for:

• costs relating to Pre-Existing Medical Conditions;

• any expenses if you are 80 years of age or older before You make your

Qualifying Travel Purchase;

• medical costs if You do not make reasonable attempts to contact Chubb

Assistance where You were reasonably able to do so;

• costs arising from Your participation in Excluded Sports and Activities

(for example, horse riding, deep sea shing, bungee jumping, jet skiing,

hot air ballooning and rock climbing). Check the denition of Excluded

Sports and Activities in the Denitions section for the full list of excluded

activities;

• costs arising from or related to Trips where the following advice has been

provided prior to starting Your Trip,

• an Australian State or Territory or the Australian Federal Government

or an Australian government agency (such as DFAT) has issued a travel

advisory warning, advising You to ‘Do Not Travel’ or that borders are

closed, for the destination You planned to travel to; or

• a Doctor advised You not to travel.

E Personal Baggage, Valuables, Money and Travel

Documents Cover

Provides cover if Your Personal Baggage, Valuables, Money

and Travel Documents are damaged, destroyed, lost or stolen

during Your Trip.

We will not pay for:

• Valuables or Money within Your Personal Baggage checked in or stowed in

the luggage hold of an airplane, ship, bus or train;

• Valuables and/or Money that are left Unattended in a motor vehicle

(unless You have no option other than to leave the items Unattended due

to an emergency medical, security or evacuation situation);

• any Items left Unattended in a Public Place (unless You have no option

other than to leave the items Unattended due to an emergency medical,

security or evacuation situation);

• claims where You do not obtain a report from local police, the carrier, tour

or transport operator or accommodation provider and You have not taken

reasonable steps to obtain one either.

AMERICAN EXPRESS CREDIT CARD INSURANCE

Section Cover Description Key Exclusions

Retail Item Protection

F Card Purchase Cover

Covers theft or damage to Eligible Items within 90 days of

purchase.

We will not pay for:

• Eligible Items left Unattended in a Public Place (unless You have no option

other than to leave the Eligible Items Unattended due to an emergency

medical, security or evacuation situation);

• Eligible Items left in an Unattended motor vehicle except where they

are locked out of sight in a Secure Area which has been accessed by

Forcible Entry or You have no option other than to leave the Eligible

Items Unattended due to an emergency medical, security or evacuation

situation.

G Card Refund Cover

Covers You for a refund of the purchase price on any unused

Eligible Items that You wish to return which the retailer

operating in Australia will not take it back (for up to 90 days

after purchase).

We will not pay for:

• Eligible Items returned because they are faulty;

• claims where a store credit or credit note has been oered;

• items purchased from a retailer outside Australia;

• Eligible Items with a purchase price of $50 or less;

• used or second-hand items.

AMERICAN EXPRESS CREDIT CARD INSURANCE

Travel Insurance

Section

of Cover

Cover Description

Benet Limit – per Covered Person unless otherwise

stated

International Return Trip Domestic Return Trip Excess

Applies

Section A

Trip Cancellation and Amendment Cover (section limit) Up to $7,500 Up to $7,500

$250b. Travel agent commission (sub-limit)

Up to $750 or 15% of the

total booking amount,

whichever is the lesser

Up to $750 or 15% of the

total booking amount,

whichever is the lesser

c. Additional travel and accommodation (sub-limit) Up to $3,000 Up to $3,000

Section B

Personal Accident Cover

Card Member/Additional

Card Member/Spouse/

Dependent Child(ren)

Card Member/Additional

Card Member/Spouse/

Dependent Child(ren)

NIL

1. Accidental Death or

Permanent Disablement arising

during Your Trip

Benet Type

i. Accidental Death $25,000 $25,000

Permanent Disablement:

ii. Loss of both hands or both

feet

$25,000 $25,000

iii. Loss of one (1) hand and one

(1) foot

$25,000 $25,000

iv. Loss of entire sight of both

eyes

$25,000 $25,000

v. Loss of entire sight of one (1)

eye and loss of one (1) hand

or one (1) foot

$25,000 $25,000

vi. Loss of one (1) hand or one

(1) foot

$12,500 $12,500

vii. Loss of the entire sight of

one (1) eye

$12,500 $12,500

2. Public Transport Accident

Cover

Benet Type

Card Member/Additional

Card Member/Spouse/

Dependent Child(ren)

Card Member/Additional

Card Member/Spouse/

Dependent Child(ren)

a. Accidental Death or Permanent

Disablement arising while

travelling as a passenger on

Public Transport

i. Accidental Death $200,000 $200,000

Permanent Disablement:

Schedule of Benets

Please note that amounts quoted are in Australian dollars (unless otherwise stated).

AMERICAN EXPRESS CREDIT CARD INSURANCE

2. Public Transport Accident

Cover

Benet Type

Card Member/Additional

Card Member/Spouse/

Dependent Child(ren)

Card Member/Additional

Card Member/Spouse/

Dependent Child(ren)

b. Accidental Death or

Permanent Disablement

arising from exposure

c. Accidental Death arising from

disappearance while travelling

on Public Transport

ii. Loss of both hands or both

feet

$200,000 $200,000

iii. Loss of one (1) hand and one

(1) foot

$200,000 $200,000

iv. Loss of entire sight of both

eyes

$200,000 $200,000

v. Loss of entire sight of one (1)

eye and loss of one (1) hand

or one (1) foot

$200,000 $200,000

vi. Loss of one (1) hand or one

(1) foot

$100,000 $100,000

vii. Loss of the entire sight of

one (1) eye

$100,000 $100,000

Section C

Travel Inconvenience Cover

Per Covered

Person

Maximum

for all

Covered

Persons

(when

travelling

together)

Per Covered

Person

Maximum

for all

Covered

Persons

(when

travelling

together)

NIL

1. Delayed, cancelled, overbooked or missed onward Scheduled

Flight

Up to $200

after 4

hours

Up to $400

after 4

hours

Up to $200

after 4

hours

Up to $400

after 4

hours

2. Extended Delayed, cancelled, overbooked or missed onward

Scheduled Flight

Up to $150

per 24-hour

period to

a maximum

of $600

Up to $300

per 24-hour

period to

a maximum

of $1,200

Up to $150

per 24-hour

period to

a maximum

of $600

Up to $300

per 24-hour

period to

a maximum

of $1,200

3. Delay of Personal Baggage checked-in on Scheduled Flight

Up to $200

after 6 hours

Up to $400

after 6 hours

Up to $200

after 6 hours

Up to $400

after 6 hours

4. Extended Delay of Personal Baggage checked-in on Scheduled

Flight

Up to $200

after

48 hours

Up to $400

after

48 hours

Up to $200

after

48 hours

Up to $400

after

48 hours

5. Delayed arrival to a Special Event

Up to

$2,000

Up to

$4,000

Up to

$2,000

Up to

$4,000

AMERICAN EXPRESS CREDIT CARD INSURANCE

Section D

Medical Emergency Expenses Cover

1. In The Event Of A Medical Emergency (section limit)

Up to $2,500,000

Not Covered $250

1. a. In The Event Of A Medical Emergency & Repatriation/

Evacuation (sub limit) – costs arising as a result of

Terrorism

Up to $1,000,000

2. Emergency Dental (sub limit) Up to $1,000

3. Repatriation/Evacuation (sub limit) Up to $2,500,000

4. Incidental expenses each 24 hours (sub limit)

Up to $50 per 24-hour period

to a maximum of $1,200

5. Extra accommodation (room only) (sub limit)

Up to $150 per 24-hour

period up to a maximum

of $1,500

6. a) Return economy airfare (sub limit) Up to $3,000

6. b) Extra accommodation (room only) (sub limit)

Up to $150 per 24-hour

period up to a maximum

of $1,500

2. In The Event Of Your death (Repatriation/Funeral/Burial

Costs)

Up to $15,000 Up to $15,000

NIL

In the event of Your death in a Schengen member state Up to 30,000 EUR Not Covered

Section E

Personal Baggage, Valuables, Money And Travel Documents

Cover (section limit)

Up to $5,000 Up to $5,000

$250

a. Money and Travel Documents (sub limit) Up to $500 Up to $500

b. Maximum total of all Valuables (including sub limits i. to iv.); Up to $2,500 Up to $2,500

i. One (1) Smartphone (sub limit); Up to $250 Up to $250

ii. One (1) laptop (including accessories sold with the laptop)

(sub limit);

Up to $1,000 Up to $1,000

AMERICAN EXPRESS CREDIT CARD INSURANCE

iii. One (1) camera (including lenses and accessories) (sub

limit);

Up to $1,000 Up to $1,000

$250

iv. Any other Valuable item (sub limit) Up to $1,000 Up to $1,000

c. any other single item or Pair or Set of items (sub limit); Up to $1,000 Up to $1,000

Retail Item Protection

Section

Cover

Cover Description Benet Limit

Excess

Applies

Section F

Card Purchase Cover (section limit)

Up to $20,000 in any three hundred and sixty-ve (365) day

period beginning when the rst claim Event occurs

$50

Per Eligible Item Up to $2,500

Section G

Card Refund Cover (section limit)

Up to $2,000 in any three hundred and sixty-ve (365) day

period beginning when the rst claim Event occur

NIL

Per Eligible Item Up to $500

AMERICAN EXPRESS CREDIT CARD INSURANCE

Denitions

The following words when used with capital letters in this document have

the meaning given below. Wherever these words are used in plural in this

Policy, they have the same meaning as the singular form shown below.

Accidental Death means death occurring as a result of an Injury.

American Express means American Express Australia Limited (ABN 92

108 952 085, AFS Licence No. 291313) of 12 Shelley Street, Sydney NSW

2000, the Group Policy holder.

American Express Card Account means an account issued by American

Express Australia Limited which is current (meaning it is not suspended or

cancelled), billed from Australia and in Australian dollars for the following

card products:

a) Qantas American Express Premium Card;

b) American Express Velocity Gold Card.

Additional Card Member means a person who is issued an additional

American Express card that is connected to the Card Member’s primary

American Express Card Account (also known as a supplementary card

member).

Appointed Claims Handler means Chubb or its claims handling agent

and/or representative.

Card Member means a person who is issued an American Express Card

Account as the primary account holder.

Chubb means Chubb Insurance Australia Limited (ABN 23 001 642 020,

AFS Licence No. 239687) of Grosvenor Place, Level 38, 225 George Street,

SYDNEY NSW 2000, the insurer of the Group Policy held by American

Express.

Chubb Assistance means the service provider acting on behalf of Chubb

to provide emergency assistance.

Close Relative means Spouse, parent, parent-in-law, step-parent, child,

brother, half-brother, step-brother, brother-in-law, sister, half-sister, step-

sister, sister-in-law, daughter-in-law, son-in-law, niece, nephew, uncle, aunt,

grandparent or grandchild.

Covered Person means the Card Member or an Additional Card Member,

and:

1. their Spouse;

2. their Dependent Child(ren)

who meets the eligibility criteria as specied in the Eligibility Table.

Dependent Child(ren) means any child (including stepchild or adopted

child) of a Card Member, Additional Card Member or Spouse who is

primarily dependent upon the Card Member or Spouse for maintenance

and support, and who is:

a. 25 years of age or younger; or

b. of any age permanently mentally or physically incapable of self-

support, as conrmed by medical evidence from a Doctor and who is

permanently living with the Card Member or Spouse.

Dentist means a legally registered dentist who is not You or Your

Close Relative.

Doctor means a legally registered medical practitioner who is not You or

Your Close Relative.

Domestic Return Trip means a return trip within Australia that is more

than 150 kilometre radius from Your Home:

starting:

a. when You leave Your Home or Your Work (whichever occurs last) to

travel to Your destination, or

b. when You leave Your Home or Your Work (whichever occurs last) to

travel to the departure point of Your Scheduled Flight or Scheduled

Cruise; and

ending:

c. when You return to Your Home or Your Work (whichever occurs rst);

d. when Your trip exceeds 62 consecutive days.

Eligible Item means an item:

1. that is purchased from a retailer solely for personal use; and

2. that is new and has not been used in any way at the time of purchase;

and

3. the cost of which has been charged to Your American Express Card

Account (including through the redemption of Qantas Points /

Velocity Points).

Event(s) means an occurrence that gives rise to a claim for a benet under

Your Policy. Multiple occurrences attributable to one source or originating

cause is deemed to be one Event.

Excess is the amount You must pay for each successful claim

where indicated.

Excluded Sports and Activities means boxing; cave diving; horse

jumping; horse riding; hunting and hunting on horseback; professional

sports; canyoning; caving; diving; mountain-climbing; steeple chasing; any

form of motor racing; speed, performance or endurance tests; abseiling;

American football; bob sleigh; bungee jumping; base jumping, canoeing;

clay pigeon shooting; deep sea shing; go-karting; hang gliding; heli-

skiing; hot air ballooning; ice hockey; jet biking and jet skiing; martial arts;

micro-lighting; mountain biking o tarmac; mountaineering; parachuting;

paragliding; parascending; paraskiing; polo; quad biking; rock climbing;

SCUBA diving deeper than 30 metres; skidoo; ski-jumping; ski-racing;

ski-stunting; tour operator safari (where You or any tourist will be carrying

guns); trekking requiring climbing equipment and/or ascending above

3,000 metres from sea level; war games/paint ball; white water rafting;

yachting more than 20 nautical miles from the nearest coastline.

AMERICAN EXPRESS CREDIT CARD INSURANCE

Forcible Entry means unlawful entry by forcible and violent means, as

evidenced by a broken window, damaged or picked lock,

broken hinge or door handle.

Group Policy means the group policy of insurance held by American

Express as detailed in the ‘General Information To Know About

This Policy’ section of this Policy.

Home means Your usual place of residence in Australia (where You live).

Illness means a sickness or disease which requires treatment by a Doctor

or a Dentist; it does not include an Injury or PreExisting Medical Conditions.

Injury means an accidental bodily injury resulting solely and directly from:

1. a sudden, external and identiable Event that happens by chance and

could not have been expected from the

2. perspective of the Covered Person; and which occurs independently

of any Illness or any other cause, and

3. causes a loss within 12 months of the accident.

It does not include an Illness or a Pre-Existing Medical Condition.

Insolvency means bankruptcy, provisional liquidation, liquidation,

insolvency, appointment of a receiver or administrator, entry into a scheme

of arrangement, statutory protection stopping the payment of debts or

the happening of anything of a similar nature under the applicable laws of

any jurisdiction.

International Return Trip means a trip where Your destination is outside

of Australia:

starting:

a. when You leave Your Home or Your Work (whichever occurs last) to

travel to the airport to y on Your Scheduled Flight; or

b. when You leave Your Home or Your Work (whichever occurs last) to

travel to a harbour port to board a Scheduled Cruise; and

ending:

c. when You return to Your Home or Your Work (whichever occurs rst)

having travelled from the airport or harbour port; or

d. when Your trip exceeds 62 consecutive days.

Manual Work means paid work which involves the installation, assembly,

maintenance or repair of electrical, mechanical or hydraulic plant (other

than in a purely managerial, supervisory, sales or administrative capacity).

It also means manual labour of any kind including, but not restricted to,

hands-on work such as a plumber, electrician, lighting or sound technician,

carpenter, painter, decorator or builder.

Medical Emergency means:

• an Injury;

• sudden and unforeseen Illness; or

• a dental issue,

suered by You whilst overseas on an International Return Trip, which

results in the immediate need for Treatment which cannot be reasonably

delayed until Your return to Australia without causing discomfort

or risk of aggravation in the opinion of a local treating Doctor or by

Chubb Assistance.

Money means currency, travellers cheques, hotel and other redeemable

holiday vouchers and petrol coupons. It does not mean cryptocurrency.

Natural Disaster means volcanic eruption, ood (more than 20,000

square metres of normally dry land), tsunami, earthquake, landslide,

cyclone, tornado or bushre. The term Natural Disaster does not include

any infectious or contagious disease or virus regardless of transmission

(including pandemic or epidemic).

One-Way Trip means any trip for which you are unable to provide evidence

of your intention to return to Your Home or Your Work.

Pair or Set means two or more items that are: i) used together; ii)

associated with each other; or iii) corresponding (including attached and

unattached accessories) and regarded as 1 unit.

Permanent Disablement means a loss caused by an Injury which results

in the:

i. complete and permanent severance of a foot at or above the ankle

joint; or

ii. complete and permanent severance of a hand at or above the

wrist; or

iii. irrecoverable loss of the entire sight of an eye.

Personal Baggage means items of necessity, ornament or personal

convenience for Your individual use during the Trip, including clothing,

toiletries, and personal eects worn or carried by You within a suitcase (or

similar). It does not include Valuables.

Policy means this document which details the insurance benets available

to You under the Group Policy including all relevant terms, benet limits,

conditions and exclusions.

AMERICAN EXPRESS CREDIT CARD INSURANCE

IN THE TIME PERIOD PRIOR TO

MAKING YOUR QUALIFYING

TRAVEL PURCHASE

THE PHYSICAL DEFECT, MEDICAL OR DENTAL CONDITION, ILLNESS, INJURY OR DISEASE

2 years 1. requires either of the following:

i. ongoing medication for treatment or risk factor control;

ii. prescribed medication from a Doctor;

iii. check-ups, consultations, reviews or progress advice (other than those recommended by a Doctor to review

a previous condition that is considered by a Doctor prior to You making Your Qualifying Travel Purchase to be

cured or in complete remission); or

iv. surgery;

2. is either

i. under investigation;

ii. pending diagnosis or test results; or

iii. chronic or arthritic

3 years THE PHYSICAL DEFECT, MEDICAL OR DENTAL CONDITION, ILLNESS, INJURY OR DISEASE

aects any of the following body parts:

• heart;

• brain (other than a mental health related condition);

• liver;

• back / spine;

• kidneys;

• cardiovascular or circulatory or respiratory system;

and

where such medical condition either:

i. involved a hospital emergency visitation or being an inpatient in hospital; or

ii. required or requires surgery, a specialist appointment or consultation; or

iii. requires:

i. ongoing medication for treatment or risk factor control; or

ii. prescribed medication from a Doctor; or

iii. check-ups, consultations, reviews or progress advice (other than those recommended by a Doctor to review

a previous condition that is considered by a Doctor prior to You making Your Qualifying Travel Purchase to be

cured or in complete remission); or

a. is currently either:

i. under investigation; or

ii. pending diagnosis or test results.

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

disease that:

AMERICAN EXPRESS CREDIT CARD INSURANCE

Public Place means any place that is accessible by the public, including,

shops, buses, planes, trains, Taxis, airports, bus depots, hotel foyers,

restaurants, cafes, beaches and entertainment venues.

Public Transport means an air, land, water or rail passenger transport

that is operated by a carrier licensed for the regular transportation of fare-

paying passengers (including a Taxi, ride-hailing service, airport limousine,

aircraft or watercraft as part of a paid sightseeing tour). It does not mean

privately hired, rented or chartered air or water transport (such as private

helicopter, private jet or plane, or private watercraft).

Qualifying Travel Purchase means:

a. If You are going on a Domestic Return Trip, You:

i. Spend $500 or more on accommodation, or

ii. Pay the full amount of Your outbound ticket for a Scheduled

Flight, Scheduled Cruise, bus or train to Your scheduled outbound

destination; or

b. If You are going on an International Return Trip, You pay the full amount

of Your outbound ticket for a Scheduled Flight or Scheduled Cruise

leaving Australia;

and You charge the payment to Your:

i. American Express Card Account; and/or

ii. corresponding American Express Membership Rewards points /

Qantas Points / Velocity Points (where applicable), and/or

iii. Travel Benet.

Qualifying Purchase means:

i. a Qualifying Travel Purchase; or

ii. purchase of an Eligible Item.

Repatriation/Evacuation means Your:

1. transportation to the nearest hospital, if transportation is not provided

free of charge in the country of incident; or

2. evacuation to the nearest adequately equipped hospital in the event

that local medical facilities consider they cannot adequately treat You

or where Chubb Assistance’s medical ocer considers local medical

facilities to be inadequate; or

3. repatriation directly to Australia when permitted by the local treating

Doctor or when recommended by Chubb Assistance’s medical ocer; or

4. return to Australia after hospitalisation, provided that You are

deemed to be medically t for travel by the treating Doctor or by

Chubb Assistance’s medical ocer, and that Your original means of

transportation cannot be used.

Resident of Australia means an Australian citizen, or holder of an

Australian visa [including a permanent residency visa, partner/spouse visa,

Australian skilled migrant visa (including 457 and Temporary Skill Shortage

(TSS) visa), or a student visa]:

a. with a right to entry into Australia in accordance with their citizenship,

residency or visa;

b. with access to long-term medical care in Australia;

c. who has a permanent Australian residential address; and

d. who currently resides in Australia.

Scheduled Airline means airline passenger transport that operates to

a published timetable or schedule and is available to the general public.

It does not mean privately hired, rented or chartered air transport (such

private jet or plane or helicopter).

Scheduled Cruise means passenger transport that operates to a

published timetable or schedule and is available to the general public. It

does not mean privately hired, rented or chartered sea transport (such as

water taxi, private boat, cruising on a cargo ship).

Scheduled Flight means a ight in an aircraft on a Scheduled Airline.

Schengen Visa means You holding a valid visa that enables You to enter,

freely travel within, and leave any of the Schengen member countries

within Europe.

Secure Area means the locked dashboard, glove compartment, boot or

luggage compartment of a motor vehicle including the locked luggage

compartment of a hatchback or station wagon, the xed storage units of a

motorised or towed caravan, or a locked luggage box locked to a roof rack

locked to the vehicle, providing that, in each case, all items are out of sight.

Smartphone means an electronic device used for mobile

telecommunications over a cellular network (including but not limited to,

Apple, Samsung, Huawei or similar). Smartphone does not mean tablets or

smart watches.

5 years THE PHYSICAL DEFECT, MEDICAL OR DENTAL CONDITION, ILLNESS, INJURY OR DISEASE related

to cancer.

3 Months THE PHYSICAL DEFECT, MEDICAL OR DENTAL CONDITION, ILLNESS, INJURY OR DISEASE led to the

manifestation of symptoms where a reasonable person in the circumstances would be expected to be aware

of or a reasonable person under the circumstances would have foreseen.

AMERICAN EXPRESS CREDIT CARD INSURANCE

Special Event means a wedding, funeral, pre-paid conference, pre-paid

sporting event pre-paid concert or festival, which before You

started Your Trip You had planned to attend.

Spouse means the Card Member’s or the Additional Card Member’s

husband, wife, ancé or defacto.

Taxi means a vehicle with a driver for public hire for passenger

transportation, either hailed on the street or via a mobile

phone application.

Terminal Illness means a medical condition for which a terminal prognosis

has been given by a qualied Doctor and which is likely to result in death.

Terrorism means activities against persons, organisations or property of

any nature:

1. that involves the following or preparation for the following:

a) use of, or threat of, force or violence; or

b) commission of, or threat of, force or violence; or

c) commission of, or threat of, an act that interferes with or disrupts an

electronic communication, information, or mechanical system; and

2. when 1 or both of the following applies:

a) the eect is to intimidate or coerce a government or the civilian

population or any segment thereof, or to disrupt any segment of the

economy; and/or

b) it appears that the intent is to intimidate or coerce a government, or to

further political, ideological, religious, social or economic objectives or

to express (or express opposition to) a philosophy or ideology.

Travel Benet means any travel benet or credit oered under the

American Express Card Account terms and conditions.

Travelling Companion means a person travelling with You on a Trip which

has the same travel itinerary as You.

Travel Documents means travel tickets, passports, visas and

driving licences.

Treatment means surgical or medical procedures performed by a

Doctor or Dentist where the sole purpose of which is to cure or relieve

Illness or Injury.

Trip means:

1. a Domestic Return Trip; or

2. an International Return Trip.

Unattended means when Your Personal Baggage, Valuables, Money, Travel

Documents or an Eligible Item are not:

a. worn or carried by You; or

b. under Your observation and within 3 metres of You.

Valuables means jewellery; furs; articles containing precious metals

or precious stones; watches; binoculars; audio equipment or devices;

photographic and electronic equipment or devices; Smartphones and

tablets; personal organisers and games consoles; laptops and external

computer devices (including all printers, modems, external hard drives

and similar).

We/Our/Us means Chubb.

Work means Your usual place of work within Australia having a xed

physical address.

You/Your means a Covered Person.

Benets

Section (A) Trip Cancellation And Amendment Cover

This benet is only available when You meet the eligibility criteria set out in

the Eligibility Table.

Please refer to the Schedule of Benets within this Policy to conrm the

amount of cover available under this section.

SPECIFIC DEFINITIONS – TRIP CANCELLATION AND AMENDMENT

COVER

Cancellation means a cancellation resulting in You not starting Your Trip at

all. ‘Cancel’ and ‘Cancelled’ has the corresponding meaning.

Curtailment means cutting short Your Trip and returning to Your Home in

Australia. ‘Curtail’ and ‘Curtailed’ has the corresponding meaning.

Trip Change means any change that You must make to a Trip You have

started but that does not result in You having to return Home any earlier

than intended.

COVER – TRIP CANCELLATION AND AMENDMENT COVER

This cover section provides cover for a necessary and unavoidable

Cancellation, Curtailment or Trip Change for specied Events, as listed

below.

Please note that:

1. specied Events 1 – 10 below (except 7 c) provide cover (as

specied below) for circumstances arising from or relating to an

epidemic, pandemic or outbreak of an infectious disease or virus or

any derivative or mutation of such viruses, and

2. specied Events 11 – 12 do not provide any cover for

circumstances arising from or relating to an epidemic, pandemic

or outbreak of an infectious disease or virus or any derivative or

mutation of such viruses.

If You have a necessary and unavoidable Cancellation, Curtailment or Trip

Change due to one of the following unforeseen specied Events:

1. You or Your Travelling Companion or a person You are visiting for the

main purpose of Your Trip suering an Injury, an unforeseen Illness

or death;

2. Your Close Relative, or a Close Relative of a Travelling Companion or a

Close Relative of a person You are visiting for the main purpose of Your

Trip suering an Injury, an unforeseen Illness or dying;

AMERICAN EXPRESS CREDIT CARD INSURANCE

3. Your redundancy which qualies for redundancy payments under

current legislation;

4. You being in the Australian armed services (military, naval or air service)

or emergency services (police, re, ambulance) and Your leave is

revoked;

5. You being called for jury service or being subpoenaed as a witness other

than in a professional or advisory capacity;

6. You being required by the police or an authority to be present at Your

Home or place of business in Australia following burglary, or local major

damage such as ood at Your Home or place of business in Australia;

7. Your paid transport has been cancelled by your transport provider as a

result of:

a. riot, strike, civil commotion;

b. adverse weather;

c. Natural Disaster;

d. mechanical breakdown of the transport You planned to travel on;

provided that there had been no published ocial warning, before You

make Your Qualifying Travel Purchase, that any such Event had occurred

or was likely to occur;

8. there is a Natural Disaster, or a Natural Disaster has recently happened

or is reasonably expected to happen, on the direct route to or at Your

Trip destination, provided that there had been no published ocial

warning, before You make Your Qualifying Travel Purchase, that any such

Event had occurred or was likely to occur;

9. a Natural Disaster or the imminent risk of one at Your Home in Australia;

10. for Your International Return Trip, where:

a. an Australian State or Territory, the Australian Federal Government

or an Australian government agency (such as DFAT – Department of

Trade and Foreign Aairs) have upgraded a travel advisory warning,

advising You:

i. to ‘Reconsider your need to travel’ or ‘Do Not Travel’, or

ii. that borders are closed for the scheduled destination You planned

to travel, or

iii. that mandatory quarantine is required at Your destination;

b. an Australian state or territory public health authority have:

i. classied You as having close contact with a person diagnosed with

an infectious disease or virus which is classied as an epidemic or

pandemic; and

ii. directed You into a period of quarantine as a result of this contact;

c. an Australian State or Territory, the Australian Federal Government or

an Australian government agency (such as DFAT) has implemented a

lockdown order (encompassing stay-at-home orders or the restriction

of movement of people into or out of a dened geographic region)

and the order applies to the geographic region where Your Home is;

and

the warning was published or the order was given after You:

i. make Your Qualifying Travel Purchase in the case of a claim for

Cancellation; or

ii. start Your Trip in the case of a claim for Curtailment or Trip Change;

11. a Special Event You were attending has been cancelled or postponed

except due to circumstances arising from or relating to an epidemic,

pandemic or outbreak of an infectious disease or virus or any derivative

or mutation of such viruses;

12. for Your Domestic Return Trip, where an Australian State or Territory

Government or government agency have issued an ocial written

government statement advising You:

i. not to travel to Your destination; or

ii. that borders are closed for the destination You have planned to

travel to;

except due to circumstances arising from or relating to an epidemic,

pandemic or outbreak of an infectious disease or virus or any derivative

or mutation of such viruses;

and the warning was published after You:

i. make Your Qualifying Travel Purchase in the case of a claim for

Cancellation; or

ii. started Your Trip in the case of a claim for Curtailment or Trip

Change;

We will pay up to the maximum relevant cover section limit inclusive of sub-

limits as shown in the Schedule of Benets for:

a. non-refundable and unused:

i. deposits that You have paid in advance;

ii. excursion costs that You have paid in advance;

iii. travel and accommodation costs that You have paid in advance;

b. non-refundable travel agents’ commission;

c. any other reasonable additional travel or accommodation expenses for

a Trip Change or Curtailment,

however, where You have incurred both additional travel or accommodation

expenses as well as forfeited expenses, only the greater of these expenses

is payable under this Policy.

For example, if You forfeited pre-paid accommodation for a particular night,

but also incur additional accommodation expenses for the same night, only

the highest amount will be payable.

TERMS AND CONDITIONS – TRIP CANCELLATION AND AMENDMENT

COVER

(Please also refer to the General Conditions Applicable to all Sections

within this Policy).

1. Claims for Injury or Illness will require conrmation in writing by a

treating Doctor conrming the Injury or Illness. If a written conrmation

is not provided, You must provide evidence that You have taken

reasonable steps to obtain the written conrmation, such as emails, call

logs or other reasonable evidence.

AMERICAN EXPRESS CREDIT CARD INSURANCE

2. Claims for death will require death certicate conrming cause of death.

If a death certicate is not provided, You must provide evidence that

You have taken reasonable steps to obtain the death certicate, such as

emails, call logs or other reasonable evidence.

3. Where the purchase of an airplane, ship, bus or train ticket (or part

thereof) was done so using membership rewards points or similar points

and the loss of such points cannot be recovered from any other source

(within a reasonable timeframe and after reasonable eorts have been

made to seek recovery), We will calculate the loss by using the retail

price associated with the travel provider of the issued ticket at the time

the ticket was purchased.

4. You must take reasonable steps to recover any refund, credit note or

voucher You are entitled to. Where You have received or been oered

a refund, credit note or voucher for the cost of a booking, whether

partially or in full, the amount oered or received is to be considered

refundable. You are only eligible for cover under this cover section for

non-refundable and unused costs.

EXCLUSIONS – TRIP CANCELLATION AND AMENDMENT COVER

(Please also refer to the General Exclusions Applicable to all Sections

within this Policy).

We will not pay for or reimburse any costs arising from or relating to:

1. You or any other person simply changing their mind and deciding not to

start a Trip, continue with the Trip or any other disinclination to travel;

2. Pre-Existing Medical Conditions (whether Yours, Your Travelling

Companion’s or a Close Relative’s) except when You make a

Cancellation, Curtailment or Trip Change due to the death of a Travelling

Companion or Close Relative and provided the death was not as a result

of a Terminal Illness;

3. the death, Injury, unforeseen Illness of any Close Relative or Travelling

Companion who is 91 years of age or older when You made Your

Qualifying Travel Purchase;

4. costs where a refund, credit note or voucher has been received or

oered for those costs;

5. additional costs incurred due to Your failure to notify the carrier or travel

agent as soon as reasonably possible that Your Trip is to be Cancelled or

Curtailed;

6. any government regulation, prohibition or restriction, including but not

limited to:

a. Your failure to hold or obtain a valid passport, visa, or other required

documentation prior to commencing Your Trip;

b. Travel advisories, border closures, mandatory quarantine, public

health directives to quarantine or lockdown orders which occurred

before You:

i. made Your Qualifying Travel Purchase in the case of a claim for a

Cancellation; or

ii. started Your Trip in the case of a claim for a Curtailment or Trip

Change;

c. border closures or government advice not to travel which relate to an

epidemic, pandemic or outbreak of an infectious disease or virus or

any derivative or mutation of such viruses for a Domestic Return Trip;

7. where You do not meet the vaccination protocols required by a transport

provider or an Australian State, Territory or the Australian Federal

Government or the government of any destination You had planned to

travel to before they allow You to board the Public Transport;

8. a Special Event that is cancelled or postponed as a result of an epidemic,

pandemic or outbreak of an infectious disease or virus or any derivative

or mutation of such viruses;

9. Your failure to check-in at the required time for any ight, sea crossing,

train or bus journey which is within Your control;

10. Cancellation caused by Your work commitments, or amendment of

Your entitlement by Your employer, unless You are a member of the

Australian armed services (military, naval or air service) or emergency

services (police, re, ambulance) and the expense or cost was incurred

as a result of Your leave being revoked;

11. travel or accommodation costs for anyone that is not a Covered Person;

12. costs incurred in respect of any medical condition where You are

unable to supply a medical certicate from Your treating Doctor

conrming Cancellation, Curtailment or Trip Change was necessary and

unavoidable. If a written conrmation is not provided, You must provide

evidence that You have taken reasonable steps to obtain the written

conrmation, such as emails, call logs or other reasonable evidence;

13. Your nancial circumstances or any contractual or business obligation;

14. the failure of Your travel agent to pass on monies to operators or to

deliver promised services;

15. the Insolvency of any person, company or organisation, including but

not limited to a travel agent, tour operator, accommodation provider,

airline or other carrier, vehicle rental agency or any other travel or

tourism services provider;

16. additional transportation or accommodation expenses which are

payable under another section or benet of this Policy;

17. any circumstances that were foreseeable, avoidable, unnecessary or

within Your control:

a. at the time You made Your Qualifying Travel Purchase in the case of

Cancellation, or

b. before You start Your Trip in the case of Curtailment or Trip Change.

EXCESS – TRIP CANCELLATION AND AMENDMENT COVER

As noted in the Schedule of Benets.

AMERICAN EXPRESS CREDIT CARD INSURANCE

Section (B) Personal Accident Cover

This benet is only available when You meet the eligibility criteria set out in

the Eligibility Table.

Please refer to the Schedule of Benets within this Policy to conrm the

amount of cover available under this section.

COVER – PERSONAL ACCIDENT COVER

1. Accidental Death or Permanent Disablement arising during Your

Trip

If during Your Trip, You suer an Injury that results in Your:

i. Accidental Death, or

ii. Permanent Disablement;

within 12 months of the date of the Injury;

We will pay You or Your estate the applicable benet amount (up to the

maximum relevant cover section limit inclusive of sub-limits as shown in

the Schedule of Benets).

If You are eligible for the higher Accidental Death or Permanent

Disablement benet under 2) Public Transport Accident Cover (below), the

above benet cannot also be claimed.

2. Public Transport Accident Cover

a. Accidental Death or Permanent Disablement arising while

travelling as a passenger on Public Transport

If during Your Trip, You sustain an Injury that results in an Accidental Death

or Permanent Disablement described in the Schedule of Benets as a

result of:

• travelling as a passenger on Public Transport, or

• boarding or disembarking from Public Transport, or

• being struck by Public Transport,

We will pay the corresponding benet amount noted in the Schedule of

Benets.

b. Accidental Death or Permanent Disablement arising from

exposure

If during Your Trip, You sustain an Injury due to exposure to weather

conditions that results in an Accidental Death or Permanent Disablement

described in the Schedule of Benets due to the disappearance, sinking or

wrecking of the Public Transport on which You were travelling, We will pay

the corresponding benet amount noted in the Schedule of Benets.

c. Accidental Death arising from disappearance while travelling on

Public Transport

If during Your Trip, You disappear due to the disappearance, sinking or

wrecking of the Public Transport on which You were travelling, and Your

body has not been found within 12 months, You will be deemed to have

died at the time of Your disappearance and We will pay the corresponding

Accidental Death benet amount noted in the Schedule of Benets.

TERMS AND CONDITIONS – PERSONAL ACCIDENT COVER

(Please also refer to the General Conditions Applicable to all Sections

within this Policy).

1. Benets will be paid in Australian dollars to You, and in the case of Your

Accidental Death, to Your estate.

2. We will only pay one benet type (i-vii in the Schedule of Benets) for

each Event, even if multiple benet types apply. If multiple benet types

apply, We will pay the benet type with the highest benet amount.

3. Claims for Permanent Disablement will require conrmation in writing

by a treating Doctor as soon as reasonably possible. Medical certicates

must be provided at your own cost.

4. Claims for Accidental Death will require death certicate conrming

cause of death.

5. If You are also entitled to make a claim from Us under a separate

insurance policy on another American Express card, We will only make 1

payment in relation to the accident and loss in question. In that instance,

We will pay the highest benet amount applicable.

EXCLUSIONS – PERSONAL ACCIDENT COVER

(Please also refer to the General Exclusions Applicable to all Sections

within this Policy).

We will not pay for or reimburse any costs arising from or relating to:

1. the Accidental Death or Permanent Disablement of a person that is not

a Covered Person.

2. when travelling on privately hired, rented or chartered transport in the

case of claims under 2) Public Transport Accident Cover.

EXCESS – PERSONAL ACCIDENT COVER

As noted in the Schedule of Benets

Section (C) Travel Inconvenience Cover

This benet is only available when You meet the eligibility criteria set out in

the Eligibility Table.

Please refer to the Schedule of Benets within this Policy to conrm the

amount of cover available under this section.

COVER – TRAVEL INCONVENIENCE COVER

1. Delayed, cancelled, overbooked or missed onward ight

If during Your Trip:

a. Your Scheduled Flight is delayed or cancelled by 4 hours or more; or

b. You are denied boarding on Your Scheduled Flight due to over-

booking of the aircraft, and no alternative ight is made available to

You within 4 hours of the scheduled departure time of such ight; or

c. You missed Your onward connecting Scheduled Flight at the transfer

point due to the late arrival of Your incoming connecting Scheduled

Flight, and no alternative onward ight is made available to You within

4 hours of the actual arrival time of the incoming ight;

We will reimburse You for additional hotel accommodation (room only)

and restaurant meals or refreshments up to the maximum relevant cover

section limit inclusive of sub-limits as shown in the Schedule of Benets.

AMERICAN EXPRESS CREDIT CARD INSURANCE

2. Extended Delayed, cancelled, overbooked or missed onward ight

If You have a claim under 1) Delayed, cancelled, overbooked or missed

onward ight (above), We will also reimburse You for additional

accommodation expenses (room only) for each full 24-hour period that

the delay continues beyond the initial 4 hour delay up to the maximum

relevant cover section limit inclusive of sub-limits as shown in the Schedule

of Benets.

3. Delay of Personal Baggage checked-in on Scheduled Flight

If during Your Trip, Your Personal Baggage which You have checked in on a

Scheduled Flight:

a. is not delivered within 6 hours of Your arrival at the scheduled

destination point; and

b. You are not at the airport You rst departed from in Your Home’s State

or Territory in Australia;

We will reimburse You for the emergency purchase of essential clothing

and toiletries up to the maximum relevant cover section limit inclusive of

sub-limits as shown in the Schedule of Benets.

4. Extended Delay of Personal Baggage checked-in on Scheduled

Flight

If during a Trip, Your Personal Baggage which You have checked in on a

Scheduled Flight:

a. is not delivered to You by the airline provider within 48 hours of Your

arrival at the scheduled destination point; and

b. You are not at the airport You rst departed from in Your Home’s State

or Territory in Australia;

We will reimburse You for the reasonable emergency purchase of essential

items up to the maximum relevant cover section limit inclusive of sub-

limits as shown in the Schedule of Benets.

5. Delayed arrival to a Special Event

If during Your Trip, Your Scheduled Flight to a Special Event is delayed due

to unforeseeable circumstances outside of Your control and:

a. the delay results in You being unable to arrive in time for the Special

Event; and

b. the Special Event cannot be delayed due to Your late arrival,

We will pay reasonable additional expenses for the cost of alternative

Public Transport to arrive at the Special Event directly to You, up to the

maximum relevant cover section limit inclusive of sub-limits as shown in

the Schedule of Benets.

TERMS AND CONDITIONS - TRAVEL INCONVENIENCE COVER

(Please also refer to the General Conditions Applicable to all Sections

within this Policy).

1. Should more than one (1) person claim under the benets of this section

in relation to the same Event, We will pay a maximum of double the

benet limits specied.

2. In the event of a claim, You must provide Us with invoices and/or

receipts.

3. Claims for lost or delayed luggage must be reported to the transport

provider or carrier and a property irregularity report (such as a luggage

incident report) obtained where reasonably possible. If a property

irregularity report or incident report is not provided, You must provide

evidence that You have taken reasonable steps to obtain a report,

such as emails, call logs or other reasonable evidence. A copy of any

property irregularity report obtained from the airline must be supplied

to Us together with the following information:

a. full details of the ight (airline, ight numbers, departure airport,

destination, scheduled ight times and arrival airport);

b. details of the delay or loss incurred; and

c. full details of expenses for which reimbursement is claimed.

EXCLUSIONS - TRAVEL INCONVENIENCE COVER

(Please also refer to the General Exclusions applicable to All Sections

within this Policy).

We will not pay for or reimburse any costs arising from or relating to:

1. the conscation or requisition of any items by any customs agency or

other government authorities;

2. the purchase of clothing or toiletries that are not reasonably necessary

for Your Trip;

3. any lost or delayed Personal Baggage where a property irregularity

report (such as a luggage incident report) is not provided and where

You are unable to provide evidence that You have taken reasonable

steps to obtain one. Such evidence includes emails and call logs to the

transport provider or other reasonable evidence;

4. Personal Baggage delay or extended Personal Baggage delay in the

airport You rst departed from in Your Home’s State or Territory in

Australia.

EXCLUSIONS - TRAVEL INCONVENIENCE COVER

As noted in the Schedule of Benets.

Section (D) Medical Emergency Expenses Cover

This benet is only available when You meet the eligibility criteria set out

in the Eligibility Table.

Please refer to the Schedule of Benets within this Policy to conrm the

amount of cover available under this section.

COVER – MEDICAL EMERGENCY EXPENSES COVER

1. In The Event Of A Medical Emergency – International Return Trip

only

If during Your International Return Trip (except when You are in Australia),

You have a Medical Emergency resulting from an Injury orIllness, which

is not a Pre-Existing Medical Condition, We will pay or reimburse the

reasonable expenses for:

1. Your emergency medical Treatment and hospital costs;

2. Your emergency dental Treatment to natural teeth;

3. Your Repatriation/Evacuation costs if approved by Chubb Assistance

(such approval not to be unreasonably withheld or delayed) following

consultation with the treating Doctor;

4. Your incidental expenses, such as food and toiletries expenses, which

You may incur as a result of being hospitalised as an inpatient for each

complete 24 hour period;

AMERICAN EXPRESS CREDIT CARD INSURANCE

5. reasonable extra accommodation costs (room-only) for You and any

person who stays or travels with You to provide support or care, as

reasonably agreed by Chubb Assistance;

6. if You are travelling alone:

a. a return economy airfare; and

b. extra accommodation (room-only);

for Your friend or Close Relative to stay with You as reasonably agreed by

Chubb Assistance.

The maximum We will pay under the Medical Emergency Expenses Cover

is the maximum relevant cover section limit inclusive of sub-limits as

shown in the Schedule of Benets. However, We will stop paying costs and

expenses prior to that limit being reached if You:

i. return to Australia; or

ii. are declared t to return to Australia by a treating Doctor or by

Chubb Assistance’s medical ocer, but choose to remain overseas.

2. In The Event Of Your death

If You die during Your Trip, Chubb Assistance will organise, arrange and pay

for the reasonable costs up the maximum relevant cover section inclusive

of sub-limits as shown in the Schedule of Benets for:

a. transportation of Your remains to an airport of Your Home’s State or

Territory in Australia; or

b. cremation and subsequent transportation of Your remains to an

airport of Your Home’s State or Territory in Australia; or

c. local (in the country of Your death) burial.

If You hold a valid Schengen Visa and in the event of Your death in a

Schengen member state during Your International Return Trip, the

maximum amount We will pay in total will not exceed 30,000 EUR for

expenses incurred in that Schengen member state for Your burial or

cremation.

In an emergency:

You should contact Chubb Assistance as soon as reasonably possible

when an emergency arises on +61 2 8907 5666 and provide Your

American Express Card Account number, as much information as

possible and a telephone or fax number where You can be contacted.

If Your medical condition prevents You from calling, if possible,

someone else should call on Your behalf, such as a relative, Your

Travelling Companion, nurse or Doctor.

If You do not make reasonable attempts to call Chubb Assistance

before seeking emergency medical treatment, or You chose to seek

treatment from a medical service not approved by Chubb Assistance,

You may be responsible for some or all of Your medical expenses (to

the extent that those medical expenses could otherwise have been

reduced through preferred medical providers arranged by Chubb

Assistance).

TERMS AND CONDITIONS – MEDICAL EMERGENCY EXPENSES

COVER

(Please also refer to the General Conditions Applicable to all Sections

within this Policy).

1. You must be seventy-nine (79) years of age or younger when You make

Your Qualifying Travel Purchase.

2. We will not be liable to pay or reimburse You for any medical Treatment,

hospital costs, dental Treatment or any other ancillary Treatment (i.e.

physiotherapy) that are incurred in Australia.

3. You must take all reasonable measures to avoid or minimise any claim,

to follow all applicable care and safety proceduresnotied to You by a

treating Doctor or Chubb Assistance’s medical ocer, to obtain help or

assistance as soon as reasonably possible and avoid danger, except in

an attempt to save human life.

4. You must make all reasonable attempts to call Chubb Assistance

before seeking overseas emergency medical Treatment. If Your medical

condition prevents You from calling, if possible, someone else should call

on Your behalf, such as a relative, Travelling Companion, nurse or Doctor.

If You do not make reasonable attempts to call Chubb Assistance before

seeking emergency medical Treatment, or You chose to seek treatment

from a medical service provider not approved by Chubb Assistance, You

may be responsible for Your medical expense costs to the extent that

those medical expenses could otherwise have been reduced through

preferred medical providers arranged by Chubb Assistance. You will

need to provide evidence that You have attempted to contact Chubb

Assistance, such as call logs or other reasonable evidence.

5. In the event of an overseas Medical Emergency, We will arrange Your

transportation to the nearest hospital or evacuate You to the nearest

adequately equipped hospital in the event that local medical facilities

are inadequate (in the opinion of sta at the local medical facility or

Chubb Assistance’s medical ocer).

6. If Your original means of transportation cannot be used, We will

repatriate You directly to Australia when You are deemedmedically

t to travel by the local treating Doctor or by Chubb Assistance’s

medical ocer.

7. We will repatriate or evacuate You to Australia by the quickest and most

direct route as determined by the treating Doctor or as recommended

by Chubb Assistance’s medical ocer. However, if You chose to be

repatriated or evacuated without rst discussing this with Chubb

Assistance, You may be responsible for any costs to the extent that

those Repatriation/Evacuation costs could otherwise have been

reduced through preferred medical providers arranged by Chubb.

8. To understand the extent of Your Injury or Illness and what treatment

or Repatriation/Evacuation, if any, is required, we may seek a second

independent Doctor or Dentist to review and conrm what medical

treatment, expenses or Repatriation/Evacuation is appropriate.

EXCLUSIONS – MEDICAL EMERGENCY EXPENSES COVER

(Please also refer to the General Exclusions applicable to All Sections

within this Policy).

We will not pay for or reimburse any costs arising from or relating to:

1. Your Pre-Existing Medical Condition(s);

2. any medical Treatment, hospital costs, dental Treatment, Repatriation/

Evacuation costs or any other ancillary Treatment (i.e. physiotherapy)

that is incurred in Australia;

AMERICAN EXPRESS CREDIT CARD INSURANCE

3. Your failure to make any reasonable attempt to contact Chubb

Assistance where You were reasonably able to do so;

4. Your participation in Excluded Sports and Activities;

5. participation in a sporting event that has an appearance fee, wage,

salary or prize money which in total is equal to fteen percent (15%)

or more of Your annual income from all sources. Participation includes

training for, coaching or otherwise competing in that sporting event;

6. dental treatment caused by or related to the deterioration and/or decay

of teeth or associated tissue;

7. dentures, crowns and orthodontics;

8. routine medical or dental treatment or prenatal visits;

9. Treatment or prescription medication (including medication and

ongoing immunisations) that started prior to Your International

Return Trip;

10. Treatment performed by Close Relatives, except in a life-threatening

emergency;

11. You remaining overseas after Chubb Assistance conrms, based on

medical evidence from the treating Doctor, that You are t to travel and

can return to Australia;

12. an International Return Trip involving pre-planned Treatment, or for the

purpose of obtaining Treatment, and Treatment for cosmetic reasons,

unless Chubb Assistance’s medical ocer agrees that such Treatment

is necessary as a result of any covered accident;

13. You engaging in Manual Work;

14. any costs incurred in a destination where an Australian State, Territory

or the Australian Federal Government or an Australian government

agency (such as DFAT) have issued or upgraded a travel advisory

warning, advising You to ‘Do Not Travel’ or that borders are closed,

for the destination You planned to travel to and this occurred prior

to You starting Your International Return Trip. This exclusion applies

even if You have been granted a travel exemption by an Australian

State or Territory, the Australian Federal Government or an Australian

government agency (such as DFAT) to travel.

EXCESS – MEDICAL EMERGENCY EXPENSES COVER

As noted in the Schedule of Benets.

Section (E) Personal Baggage, Valuables, Money And Travel Documents

Cover

This benet is only available when You meet the eligibility criteria set out in

the Eligibility Table.

Please refer to the Schedule of Benets within this Policy to conrm the

amount of cover available under this section.

COVER – PERSONAL BAGGAGE, VALUABLES, MONEY AND TRAVEL

DOCUMENTS COVER

If during Your Trip, Your:

Accidental Damage

1. Personal Baggage, Valuables or Travel Documents are accidentally

damaged or destroyed; or

Accidentally Lost

2. Personal Baggage, Valuables, Money or Travel Documents are

accidentally lost; or

Stolen from Hold

3. Personal Baggage or Travel Documents are stolen when they have been

checked in or stowed in the luggage hold of an airplane, ship, bus or

train, where You had no access to that Personal Baggage until the end of

the transport; or

Stolen

from Designated Storage Area

4. Personal Baggage, Valuables, Money or Travel Documents are stolen

when they have been stowed in a specially designated area (such

as overhead compartment, luggage rack or hotel storage room) on

an airplane, ship, bus or train transport or with an accommodation

provider; or

Stolen from Locked Accommodation

5. Personal Baggage, Valuables, Money or Travel Documents are

stolen from Your locked accommodation (excluding motor vehicle

accommodation) where the accommodation was reasonably able to be

locked; or

Stolen from Motor Vehicle

6. Personal Baggage (excluding Valuables or Money) or Travel Documents

left Unattended are stolen from a motor vehicle, where:

a. items were locked out of sight in a Secure Area; and

b. Forcible Entry has been used by an unauthorised person to gain entry

to the vehicle; and

c. evidence of such Forcible Entry is available; or

Stolen from You

7. Personal Baggage, Valuables, Money, or Travel Documents which are:

a. carried by You; or

b. under Your observation and within 3 metres of You,

are stolen,

We will, after We deduct the Excess from Your claim, do one of the

following:

• pay You the reasonable costs for the item to be repaired if it is practical

and economic for the item to be repaired;

• if it is not practical and economic to repair the item, We will pay You to

replace the item with the same or nearest type if the item is available

(i.e. make and model);

• if the item cannot be repaired or replaced by You, We will pay You the

lesser of:

i. the depreciated (which includes wear and tear) value of the item;

ii. ii. the current replacement cost of the item;

up to the maximum relevant cover section limit inclusive of sub-limits as

shown in the Schedule of Benets.

AMERICAN EXPRESS CREDIT CARD INSURANCE

TERMS AND CONDITIONS – PERSONAL BAGGAGE, VALUABLES,

MONEY AND TRAVEL DOCUMENTS COVER

(Please also refer to the General Conditions Applicable to all Sections

within this Policy).

1. Any payment will be based on the item’s depreciated value, repair

cost (to the condition before the loss) or current replacement cost, as

outlined directly above.

2. You must take all reasonable precautions for the safety and supervision

of Your Personal Baggage, Valuables, Money and Travel Documents.

3. Any claims to a Pair or Set, if You agree to surrender the undamaged

item(s) of the Pair or Set to Us and We agree to accept them, We will pay

You the current replacement cost of the entire Pair or Set. If You do not

agree to surrender the undamaged items, We will only be liable for the

value of that part of a Pair or Set which has been lost, stolen, damaged

or destroyed. For example, if one earring is stolen, We will only pay 50%

of the cost of replacement earrings.

4. If We ask, You must send to Us any damaged or undamaged items and

pay for postage.

5. Theft of Personal Baggage (excluding Valuables or Money) or

Travel Documents left Unattended in a motor vehicle is subject to

the following:

a. items must be locked out of sight in a Secure Area, and

b. Forcible Entry must have been used by an unauthorised person to

gain entry to the vehicle, and

c. evidence of such entry is available.

6. To support all claims, You must supply a copy of the item’s purchase

receipt or invoice, or an alternative written or printed proof of the

purchase price or value.

7. You must report loss, theft or criminal damage to the:

a. local police; or

b. appropriate issuing authority (in the case of Travel Documents),

and a written report obtained where reasonably possible. If a written

report is not provided, You must provide evidence that You have taken

reasonable steps to report the loss, theft or criminal damage including

details of the time and place You made the report, and the name and

contact details of who You reported the loss, theft or criminal damage to

(to the extent such details are within Your power to provide).

8. Claims for damaged items in transit must be reported to the carrier,

tour, transport or accommodation provider and a written report

obtained where reasonably possible. If a written report is not provided,

You must provide evidence that You have taken reasonable steps to

obtain a report, such as emails, call logs or other reasonable evidence to

the travel or accommodation provider.

9. Benets will not be payable under more than one section or benet of

this Policy as a result of one Event. We will, however, pay the benet type

with the highest benet amount.

DEPRECIATION – PERSONAL BAGGAGE, VALUABLES, MONEY AND

TRAVEL DOCUMENTS COVER

We will apply depreciation (wear and tear) to determine the value of

Your Personal Baggage and Valuables as As noted in the Schedule of

Benets Table

Depreciation considers an item’s age, damage or change that is caused to

an item when it is used normally. Depreciation will be calculated from the

date of purchase of the item until the date of claimable Event, based on the

original purchase price.

For example: If You purchased a Smartphone for $1,000, went on a Trip and

the phone was stolen, We will calculate the number of months between the

date You purchased Your phone and the claimable Event date. Suppose the

number of months is 6, We will calculate the depreciation as follows:

• (-Excess) + purchase price – deprecation = amount payable

• Number of months = 6

• 6 multiplied by depreciation for Smartphone of 2.5% = 15%

• Depreciation: $1,000 multiplied by 15% = $150

• Amount payable for Your stolen Smartphone: (-250) + $1,000 - $150

= $600

AMERICAN EXPRESS CREDIT CARD INSURANCE

Depreciation Table

Items Deduction for each month of age of the item at the

time of Event

Maximum Applicable Depreciation

Electronic equipment 2.5% 65%

Camera (including accessories) 2.5% 65%

Sunglasses 1.5% 65%

Smartphone 2.5% 65%

Laptop 2.5% 65%

Jewellery 0% 0%

Sports equipment 2.0% 65%

Cosmetics 2.5% 65%

Clothing 1.9% 65%

Other personal items 1.5% 65%

EXCLUSIONS – PERSONAL BAGGAGE, VALUABLES, MONEY AND

TRAVEL DOCUMENTS COVER

(Please also refer to the General Exclusions Applicable to all Sections

within this Policy).

We will not pay for or reimburse any costs arising from or relating to:

1. any items loaned, hired or entrusted to You;

2. loss, theft, criminal damage where there is insucient evidence that You

have taken reasonable steps to report the incident to the local police or

appropriate issuing authority (in the case of Travel Documents). Such

evidence includes details of the time and place You made the report,

and the name and contact details of who You reported the loss, theft or

criminal damage to (to the extent such details are within Your power to

provide);

3. damaged items in transit where a written report from the carrier, tour,

transport or accommodation provider is not provided and where You

are unable to evidence that You have taken reasonable steps to obtain

a written report from the carrier, tour, transport or accommodation

provider. Such evidence includes emails and call logs to the carrier, tour,

transport or accommodation provider or other reasonable evidence;

4. electrical or mechanical breakdown of items;

5. items left Unattended in a Public Place (unless You have no option

other than to leave the items Unattended due to an emergency medical,

security or evacuation situation);

6. Valuables or Money left Unattended in a motor vehicle (unless You

have no option other than to leave the items Unattended due to an

emergency medical, security or evacuation situation);

7. Personal Baggage or Travel Documents left Unattended and which are

stolen from a motor vehicle if the items have not been locked in the

Secure Area (unless You have no option other than to leave the Personal

Baggage or Travel Documents Unattended due to an emergency

medical, security or evacuation situation);

8. Valuables or Money within Your Personal Baggage checked in or stowed

in the luggage hold of an airplane, ship, bus or train;

9. atmospheric or climatic conditions, wear and tear (damage that

naturally and inevitably occurs as a result of normal wear or ageing),

vermin, insects, rodents or any process of cleaning, repairing, restoring

or alteration;

10. any business goods or specialised equipment relating to a trade or

profession;

11. the conscation or destruction by order of any government or public

authority;

AMERICAN EXPRESS CREDIT CARD INSURANCE

12. any items sent under the provisions of any freight contract, postal,

courier or similar service;

13. damage to fragile or brittle items unless caused by re or resulting from

an accident to an aircraft, sea vessel or motor vehicle;

14. any drones, sporting equipment, bicycles, surfboards or waterborne

craft (including their ancillary equipment) of any description whilst

in use;

15. any motor vehicle, motor vehicle accessories or parts, motorised or

propelled vehicles such as scooters, electric bicycles or golf buggies;

16. shortages, errors, omissions, depreciation in value in respect of Money

and Travel Documents;

17. any bonds, coupons, gift cards, stamps, vouchers, warranties, pre-

loaded or rechargeable cards including but not limited to phone, debit or

stored value cards;

18. loss of Money or Valuables from Your accommodation; unless evidence

is available of unauthorised entry to Your accommodation; for example:

evidence of Forcible Entry, key entry recording or CCTV footage;

19. any of the following: animals or plant life, antiques and historical

artefacts, securities, or documents of any kind other than those within

the denition of Money and Travel Documents, china, consumable or

perishable items, contact or corneal lenses, dentures, glass, hearing

aids, keys, musical instruments, pictures, photos;

20. lost or stolen cryptocurrency.

EXCESS – PERSONAL BAGGAGE, VALUABLES, MONEY AND TRAVEL

DOCUMENTS COVER

As noted in the Schedule of Benets.

Section (F) Card Purchase Cover

This benet is only available when You meet the eligibility criteria set out in

the Eligibility Table.

COVER – CARD PURCHASE COVER

1. Theft Or Damage Of an Eligible Item

If Your Eligible Item is stolen or damaged within 90 days of purchase, We

will:

• pay You the reasonable costs for the Eligible Item to be repaired if it is

practical and economic for the Eligible Item to be repaired;

• If it is not practical and economic for You to have the Eligible Item

repaired, We will reimburse You with the replacement amount not

exceeding the original purchase price of the Eligible Item;

up to the maximum relevant cover section limit inclusive of sub-limits as

shown in the Schedule of Benets.

TERMS AND CONDITIONS – CARD PURCHASE COVER

(Please also refer to the General Conditions Applicable to all Sections

within this Policy).

1. If an Eligible Item has been partially paid for with either Your American

Express Card Account or by using Your corresponding Qantas Points /

Velocity Points, then We will only pay such percentage of the purchase

price that was paid with Your American Express Card Account or Your

corresponding Qantas Points / Velocity Points.

2. Any claims to a Pair or Set, if You agree to surrender the undamaged

item(s) of the Pair or Set to Us and We agree to accept them, We will pay

You the current replacement cost of the entire Pair or Set. If You do not

agree to surrender the undamaged items, We will only be liable for the

value of that part of a Pair or Set which has been lost, stolen, damaged

or destroyed. For example, if one earring is stolen, We will only pay 50%

of the cost of replacement earrings.

3. An Eligible Item which is left Unattended in a Public Place and which

is not subsequently recovered will not constitute theft unless You have

no option other than to leave the Eligible Item Unattended due to an

emergency medical, security or evacuation situation.

4. If You purchase the Eligible Item as a gift for someone else, You may

request for Us to pay a valid claim directly to the recipient of the gift.

5. You must provide Us with copies of invoices and/or receipts relating to

the Eligible Item purchase. Upon request, You must also provide Us with

the damaged Eligible Item or receipt as proof of mailing/shipping.

6. Claims for theft or criminal damage must be reported to the local police

and a written report obtained where reasonably possible. If a written

report is not provided, You must provide evidence that You have taken

reasonable steps to report the theft or criminal damage including details

of the time and lace You made the report, and the name and contact

details of who You reported the theft or criminal damage to (to the

extent such details are within Your power to provide.

EXCLUSIONS – CARD PURCHASE COVER

(Please also refer to the General Exclusions applicable to all Sections

within this Policy).

We will not pay for or reimburse any costs arising from or relating to:

1. damage to an Eligible Item wilfully damaged by You;

2. claims for theft or criminal damage where there is insucient evidence

that You have taken reasonable steps to report the incident to the local

police. Such evidence includes details of the time and place You made

the report, and the name and contact details of who You reported the

theft or criminal damage to (to the extent such details are within Your

power to provide);

3. an Eligible Item which is left Unattended in a Public Place unless You

have no option other than to leave the Eligible Item Unattended due to

an emergency medical, security or evacuation situation;

4. normal wear and tear (damage that naturally and inevitably occurs as a

result of normal wear or ageing) to Eligible Items;

5. damage to an Eligible Item caused by product defects;

6. theft of or damage to an Eligible Item left Unattended in a motor vehicle,

except when:

i. the Eligible Item is locked out of sight in a Secure Area and Forcible

Entry has been used by an unauthorised person to gain entry to the

vehicle, and evidence of such Forcible Entry is available; or

ii. You have no option other than to leave the Eligible Item Unattended

due to an emergency medical, security or evacuation situation.

AMERICAN EXPRESS CREDIT CARD INSURANCE

7. theft of or damage to jewellery, watches, precious metals and

gemstones in baggage unless carried by hand and under Your personal

supervision or under the supervision of a Travelling Companion;

8. theft of or damage to:

a. animal or plant life, perishable goods (including but not limited to

food, drugs, fuel or oil);

b. software, operating systems or rmware;

c. cash, its equivalents, traveller’s cheques, tickets or negotiable

instruments;

d. a boat, automobiles, motorboats, airplanes or any other motorised

vehicles and their integral parts and installed accessories;

e. second-hand items, including antiques.

EXCESS – CARD PURCHASE COVER

As noted in the Schedule of Benets.

Section (G) Card Refund Cover

This benet is only available when You meet the eligibility criteria set out in

the Eligibility Table.

COVER – CARD REFUND COVER

1. Card Refund Cover For an unused Eligible Item

If You purchase an Eligible Item from a retailer operating in Australia

and with an Australian address, and within 90 days from the date You

purchased the Eligible Item You try to return it, and the retailer will not take

it back, provided the Eligible Item is unused, You can return it to Us and We

will reimburse You with the replacement amount not exceeding the original

purchase price of the Eligible Item.

However, We will only pay up to the maximum relevant cover section limit

inclusive of sub-limits as shown in the Schedule of Benets.

TERMS AND CONDITIONS – CARD REFUND COVER

(Please also refer to the General Conditions Applicable to all Sections

within this Policy).

1. You must provide to Us copies of invoices and/or receipts relating to the

Eligible Item. Upon request, You must also provide Us with the unused

Eligible Item.

EXCLUSIONS – CARD REFUND COVER

(Please also refer to the General Exclusions applicable to All Sections

within this Policy).

We will not pay for or reimburse any costs arising from or relating to:

1. an Eligible Item that is faulty;

2. an Eligible Item with a purchase price of $50 or less;

3. an Eligible Item purchased from the retailer where the retailer has an

established return policy which provides the same or a better benet

than this benet;

4. items purchased from a retailer outside of Australia;

5. an Eligible Item that can be returned to the retailer in accordance with

rights provided by existing legislation;

6. jewellery; precious stones; rare and precious coins or stamps,

one-of-a-kind items including antiques, artwork and furs, cash or its

equivalents, travellers’ cheques, tickets, services, PDAs, Smartphones

and accessories, recorded media (including but not limited to CDs,

DVDs, computer software, video and audio tapes); books; animal and

plant life; consumable and perishable goods (i.e. food items); healthcare

items; used or rebuilt and refurbished items; sale or discounted

items; motorised vehicles and their parts; land and buildings; items

permanently axed to home, oce or vehicles.

EXCESS – CARD REFUND COVER

As noted in the Schedule of Benets.

General Exclusions Applicable To Sections A–G above

These exclusions apply to all covers described in this Policy unless

specied otherwise. They are listed in no particular order. There are also

specic exclusions which You can nd under each cover section.

Common Exclusions

We will not pay for or reimburse any costs under any section of this Policy

arising from or relating to:

1. any person who is not a Resident of Australia;

2. any costs with respect to Cuba;

3. direct or indirect, actual, alleged or threatened discharge, dispersal,

seepage, migration, escape, release of or exposure to any hazardous

biological, chemical, nuclear or radioactive material, gas, matter or

contamination;

4. Insolvency of any person, company or organisation, including but not

limited to a travel agent, tour operator, accommodation provider, airline

or other carrier, vehicle rental agency or any other travel or tourism

services provider;

5. any loss of enjoyment or any nancial loss not specically covered

under this Policy;

6. any loss which is recoverable from any other source including another

insurance policy covering the same Event or through compensation

under any other workers compensation act, transport accident laws or

any other applicable similar legislation or by Government sponsored

fund, plan, medical benet scheme required to be eected by or under

a law;

Medical and Health Exclusions

We will not pay for or reimburse any costs under any section of this Policy

arising from or relating to:

7. any Pre-existing Medical Conditions;

8. You, a Travelling Companion’s or Close Relative’s Terminal Illness which

was diagnosed before You made Your Qualifying Travel Purchase;

9. any costs arising directly from You being unt to travel if You knew, or a

reasonable person in Your circumstances would have known, that You

were unt to travel (whether or not You had sought medical advice);

AMERICAN EXPRESS CREDIT CARD INSURANCE

10. Treatment from, or medical advice given, by a legally registered doctor

or a legally registered dentist who is You or Your Close Relative except in

a life-threatening emergency;

Trip Exclusions

We will not pay for or reimburse any costs under any section of this

Policy arising from or relating to:

11. circumstances when after You made Your Qualifying Travel Purchase,

You start a Trip against the following advice:

i. for an International Return Trip: when an Australian State or Territory

or the Australian Federal Government or an Australian government

agency (such as DFAT) have issued a travel advisory warning, advising

You to ‘Do Not Travel’ or 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. This

exclusion applies even if You have been granted a travel exemption by

an Australian State or Territory, the Australian Federal Government or

an Australian government agency (such as DFAT) to travel;

ii. for a Domestic Return Trip: when an Australian State, Territory, the

Australian Federal Government or an Australian government agency

(such as DFAT) have issued an ocial written government statement

advising You not to travel to Your destination, or that borders are

closed for the destination You had planned to travel to; or

iii. when a Doctor has deemed You unt to travel;

12. Trips that do not start and end in Australia;

13. any One-Way Trip where You are unable to provide reasonable evidence

of Your intention to return to Your Home or Your Work. Such evidence

may include providing copies of a return ticket, itinerary or schedule,

return transfer or accommodation bookings, conrmation of return to

Work dates;

14. Trips you take if You are 80 years of age or older when You made Your

Qualifying Travel Purchase;

15. a Domestic Return Trip that is less than 150 kilometre radius from Your

Home;

Conduct Exclusions

We will not pay for or reimburse any costs under any section of this Policy

arising from or relating to:

16. being under the inuence of alcohol whilst operating a motor vehicle,

where You have a recorded blood alcohol concentration (BAC) greater

than the limit prescribed by the applicable governing authority, or at

all other times having a recorded blood alcohol concentration (BAC)

greater than 0.10%;

17. taking of any drug, medication, narcotic or hallucinogen, unless as

prescribed by a Doctor and taken in accordance with the prescription

and Doctors’ advice but is not for the treatment of addiction to illegal

drugs;

18. intentionally self-inicted injury or suicide (or any attempt thereof);

19. commission of or attempt to commit an illegal act by or on behalf of

You or Your beneciaries. This exclusion does not apply to any Covered

Person who is not the perpetrator of any such illegal act, or who did not

know of or condone any such act;

Activity Exclusions

We will not pay for or reimburse any costs under any section of this Policy

arising from or relating to:

20. Your participation, involvement or taking part in Excluded Sports and

Activities while on a Trip;

21. any costs where You are participating in a sporting event with

an appearance fee, wage, salary or prize money which in total is

an amount equal to 15% of Your annual income from all sources.

Participation includes training for, coaching or otherwise competing in

that sporting event;

22. travel into hazardous work sites (e.g. underwater, mines, construction

sites, oilrigs, etc.);

23. service in armed forces (military, naval or air service) of any country

except Australia where cover applies for Cancellation, Curtailment

or Trip Change under Section A – Trip Cancellation and Amendment

Cover (specied Event number 4);

24. participation in any military or emergency services such as police or

re-ghting;

25. activities undertaken as an operator or crew member of any form of

transport;

26. ying in military aircraft or any aircraft which requires special permits

or waivers;

27. You are riding a motorcycle:

a. without wearing a helmet (either as a driver or passenger);

b. as the driver without being licensed in both Australia and the

country of travel to drive such a motorcycle; or

c. whilst racing or participating in a professional capacity or

motocross;

World Event Exclusions

We will not pay for or reimburse any costs under any section of this Policy

arising from or relating to:

28. declared or undeclared war or any act thereof; however, any act

committed by an agent of any government, party or faction engaged

in war, hostilities or other warlike operations provided such agent is

acting secretly and not in connection with any operation of armed

forces (whether military, naval, or air forces) in the country where the

injury occurs will not be deemed an act of war;

29. an act of Terrorism except when such Event occurs under the cover in

Section B – Personal Accident Cover or Section D –Medical Emergency

Expenses Cover of this Policy;

Pregnancy and Childbirth Exclusions

We will not pay for or reimburse any costs under any section of this Policy

arising from or relating to:

30. childbirth or any newborn child, meaning a newborn (whether

premature or otherwise) is not considered a Covered Person under this

Policy if the child was born on the Trip;

31. pregnancy in the following circumstances:

AMERICAN EXPRESS CREDIT CARD INSURANCE

a) any past medical condition(s) relating to a previous pregnancy or if

You have experienced pregnancy complications prior to You making

Your Qualifying Travel Purchase;

b) for any costs under Section D – Medical Emergency Expenses Cover

or Section A – Trip Cancellation and Amendment Cover within 8

weeks of Your estimated date of delivery;

c) for any costs under Section D – Medical Emergency Expenses Cover

arising from or relating to an abortion, unless an abortion is medically

necessary to protect the health and safety of the mother following an

Injury or Illness, as determined by a treating Doctor;

d) for any costs under Section D – Medical Emergency Expenses Cover

arising from fertility treatment or treatment associated with an

assisted reproduction program including but not limited to, in vitro

fertilisation (IVF).

General Conditions Applicable To All Sections

1. You must not agree to limit or exclude any right of recovery You may

have against a third party for loss, damage or liability that is or may be

subject to a claim under this cover. You agree that We have the right to

pursue Your rights of recovery against a third party (where permitted by

law) for loss, damage or liability that is or is likely to be subject to a claim

under this cover and You must reasonably assist Us to do so.

2. If You make a claim under this cover, You must provide Us with details

of all other insurances that You are aware of that may cover the loss,

damage or liability that is subject to the claim.

3. No amount payable under this cover will carry interest unless payment

has been unreasonably delayed following Our receipt of all the required

information, documents or other evidence necessary to support the

claim.

4. You must take all reasonable measures to avoid or minimise any claim.

How to Make a Claim

In the event of a medical emergency or for travel assistance whilst

overseas call Chubb Assistance on +61 2 8907 5666

Non-emergency – Making a claim is quick and easy. You can submit Your

claim online by visiting the Chubb Claims Centre for American Express:

www.americanexpress.com/australia/claims

If You cannot lodge a claim online, please contact Us on 1800 236 023 or

+61 2 9335 3492 for a claim form.

What will I need to submit a claim online?

When making a claim You will need to provide:

1. Your American Express Card Account number.

2. Your email address or alternative contact information, which allows Us

to give You real-time updates on Your claim status or contact You for

additional information.

3. supporting documents. The documents reasonably required vary based

on claim type, but may include any relevant:

• proof that You have made a Qualifying Purchase;

• medical or Doctors’ reports;

• receipts or other proof of expenses;

• proof of earnings that are being claimed;

• reports that have been obtained by the police; accommodation

provider or transport provider about the loss, theft or damage;

• product warranties or bank statements;

• photographs or quotes;

• additional evidence that We may reasonably request to enable Us to

assess Your claim; and

• intended payee information, which allows Us to quickly make

approved payments.

4. details of any other insurance cover under which You may be entitled to

claim.

What should I do before I submit a claim?

1. Take all reasonable steps to mitigate any further losses or unreasonable

and unnecessary expenses, including notifying Chubb Assistance

as soon as practically possible, if You are admitted to hospital or You

anticipate medical or additional accommodation or travel expenses.

2. Claims for loss, theft or criminal damage must be reported to the local

police and a written report obtained where reasonably possible. If a

written report is not provided, You must provide evidence that You have

taken reasonable steps to report the loss, theft or criminal damage

including details of the time and place You made the report, and the

name and contact details of who You reported the loss, theft or criminal

damage to (to the extent such details are within your power to provide).

When should I notify Chubb of my claim?

You should advise Us as soon as possible of an occurrence or an Event

which could lead to a claim, or within 30 days of the Event taking place

which gives rise to a claim, or as soon as reasonably practical.

Will I need to undertake a medical examination?

If required and to enable Us to conrm if some of the benets sections

under this Policy respond or continue to respond to an Event, We may need

to arrange for You to undertake a medical examination at Our expense

when and as often as We may reasonably require.

Can I claim under this Policy if I can claim for the same expense under

another insurance Policy e.g. my private health insurance?

If You wish to submit Your claim under this Policy, please advise Us if You

have already made a claim under any other insurance policies or tell Us if

You have any insurance policies in place which might respond to Your loss.

As a general rule, the amount You can recover for Your expenses under this

Policy or any other policies cannot exceed Your expenses.

Can I claim expenses that I have incurred in obtaining evidence to

submit with my claim?

No, expenses incurred by You in obtaining evidence for Us to assess Your

claim cannot be claimed as an expense under this Policy. These expenses

are payable by You.

AMERICAN EXPRESS CREDIT CARD INSURANCE

Do I need to help Chubb make recoveries for any amounts paid under

this Policy?

Yes, You may need to help Us to make recoveries of any amounts that We

pay You under this Policy. We have the right to sue any other party in Your

name to recover money payable or paid under this Policy, or to choose

to defend any action brought against You. You must provide reasonable

assistance to Us in this regard.

How long will it take for my claim to be assessed?

Once all evidence to support Your claim has been submitted, if We approve

Your claim, We will settle Your claim within 10 business days.

If my claim is approved, how long will it take for me to receive

payment?

Once We have approved Your claim, if there is an associated payment due

to You, We will issue the payment within 5 business days.

If I die, will my estate be able to claim under this Policy?

Yes, if Your Policy provides cover in the event of Your death, Your estate will

be able to make a claim under this Policy.

I don’t have internet access / an email address to submit my claim

online; can I still submit a claim?

Yes, however this may increase the time taken to assess Your claim. You

can call Us on 1800 236 023 to request a claim form to be mailed out to

You which can then be mailed back to Us. Hours of operation: 8:30am to

5pm Monday to Friday.

General Information about this Policy

The cover provided is subject to the terms, conditions and exclusions

outlined in this Policy. If You make a claim, You are bound by them and

must follow the claims procedures of this Policy.

Group Policy with Chubb

American Express Australia Limited (ABN 92 108 952 085, AFS Licence No.

291313) of 12 Shelley Street, Sydney NSW 2000 (“American Express”) is

the insured under the Group Policy.

Under the Group Policy entered into between American Express and

Chubb, You get access to a range of insurance benets detailed in this

document. American Express has the right to terminate the Group Policy,

cancel or suspend any insurance benets, in which case You will no longer

receive the insurance benets. We will notify You as soon as reasonably

possible if We take any of these actions.

Under the Group Policy entered into between American Express and

Chubb, You get automatic access where You have met the eligibility

requirements set out in the Eligibility Table, to the benets detailed in

this Policy provided by Chubb as the insurer. You are not charged by

Chubb for these benets and can access the relevant benets if You are

a Card Member.

This Policy replaces and supersedes any Policy previously issued prior to

the eective date.

Section 48 of the Insurance Contracts Act

Access to this insurance is provided to You solely by reason of the statutory

operation of section 48 of the Insurance Contracts Act 1984 (Cth). You are

not a contracting insured (i.e. You cannot vary or cancel the cover – only

American Express can do this) and You do not enter into any agreement

with Us. American Express is not the insurer, does not guarantee or

hold this right on trust for You and does not act as Chubb’s agent (that

is, on behalf of Chubb). Neither American Express nor any of its related

corporations are Authorised Representatives (under the Corporations Act

2001 (Cth)) of Chubb or any of its related companies.

No Advice

American Express is not authorised to provide any advice,

recommendations or opinions about this insurance on behalf of Chubb. No

advice is provided by Chubb on whether this insurance is appropriate for

Your needs, nancial situation or objectives. You should read these terms

and conditions carefully and contact Chubb if assistance is required.

Any general advice that may be contained within this Policy does not take

into account Your individual objectives, nancial situation or needs. You

need to decide if the limits, type and level of cover are appropriate for You.

Updating this Policy

Information in this Policy may be updated where necessary. A copy of any

updated information is available to You at no cost by visiting the website at

https://www.americanexpress.com/au/insurance/insurance-with-your-

card/. Chubb will issue a new document or a supplementary document

to American Express to advise of a change to the existing terms and

conditions or to make any necessary corrections.

Other Insurance

If You are entitled to receive a benet or make a claim under another

insurance policy in respect of the same loss as Your claim under this

Policy (for example a home and contents policy, an alternative mobile

phone policy or the American Express Travel Insurance Policy Wording

and Product Disclosure Statement), then Chubb is not liable to provide

indemnity under this Policy until the amount of any indemnity under the

other policy is exhausted. Therefore, any insurance cover under this Policy

in respect of the same loss will only be excess insurance cover over and

above the applicable policy.

Privacy Statement

In this Statement “We”, “Our” and “Us” means Chubb Insurance Australia

Limited (Chubb).

“American Express” means American Express Australia Limited, its

subsidiaries and aliates.

“You” and “Your” refers to Our customers and prospective customers

as well as those who use Our website. This Statement is a summary of

Our Privacy Policy and provides an overview of how We collect, disclose

and handle Your Personal Information. . It also tells you about how we

exchange Personal Information with American Express. Our Privacy Policy

may change from time to time and where this occurs, the updated Privacy

Policy will be posted to Our website at https://www.chubb.com/au-en/

footer/privacy.html.

AMERICAN EXPRESS CREDIT CARD INSURANCE

Chubb is committed to protecting Your privacy. Chubb collects, uses and

retains Your Personal Information in accordance with the requirement of

the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs), as

amended or replaced from time-to-time.

Why We collect Your Personal Information

The primary purpose for Our collection and use of Your Personal

Information is to enable Us to provide insurance services to You.

Sometimes, We may use Your Personal Information for Our marketing

campaigns and research, in relation to new products, services or

information that may be of interest to You.

How We obtain Your Personal Information

We collect Your Personal Information (which may include sensitive

information) at various points including, but not limited to, when You are

applying for, changing or renewing an insurance policy with Us or when We

are processing a claim. Personal Information is usually obtained directly

from You, but sometimes via a third party such an insurance intermediary

or Your employer (e.g. in the case of a group insurance policy). Please refer

to Our Privacy Policy for further details. When information is provided

to Us via a third party We use that information on the basis that You

have consented or would reasonably expect Us to collect Your Personal

Information in this way. We take reasonable steps to ensure that You have

been made aware of how We handle Your Personal Information.

When do We disclose Your Personal Information?

We may disclose the information We collect to third parties, including:

• the policyholder (where the insured person is not the policyholder, i.e.,

group policies);

• service providers engaged by Us to carry out certain business activities

on Our behalf (such as claims assessors, call centres in Australia, online

marketing agency, etc);

• intermediaries and service providers engaged by You (such ascurrent or

previous brokers, travel agencies and airlines);

• government agencies (where We are required to by law);

• other entities within the Chubb group of companies such as the regional

head oces of Chubb located in Singapore, UK or USA (Chubb Group of

Companies); and

• third parties with whom We (or the Chubb Group of Companies) have

sub-contracted to provide a specic service for Us, which may be

located outside of Australia (such as in the Philippines or USA). These

entities and their locations may change from time-to-time. Please

third parties are located.

In the circumstances where We disclose Personal Information to the Chubb

Group of Companies, third parties or third parties outside Australia We take

steps to protect Personal Information against unauthorised disclosure,

misuse or loss.

Exchanging Personal Information with American Express

American Express is the holder of the Group Policy under which Your

Card insurance benets are provided. We may share and receive Personal

Information from American Express in order to manage and administer

the Group Policy and insurance benets, manage and pay claims, resolve

complaints, manage litigation, respond to requests from third parties

(including regulators and media), and to develop and improve our products

and customer service. American Express handles all Personal Information

strictly in accordance with the Terms & Conditions and Privacy Statement

applicable to your Card

Your decision to provide Your Personal Information

In dealing with Us, You agree to Us using and disclosing Your Personal

Information, which will be stored, used and disclosed by Us as set out in

this Privacy Statement and Our Privacy Policy.

Access to and correction of Your Personal Information

Please contact Our customer relations team on 1800 815 675 or email

CustomerService.AUNZ@chubb.com if You would like:

• a copy of Our Privacy Policy, or

• to cease to receive marketing oers from Us or persons with whom We

have an association.

To request access to, update or correct Your Personal Information held by

Chubb, please complete this Personal Information request form and return

to:

Email: CustomerService.AUNZ@chubb.com

Fax: + 61 2 9335 3467

Address: GPO Box 4907 Sydney NSW 2001

How to Make a Complaint

If You have a complaint or would like more information about how We

manage Your Personal Information, please review Our Privacy Policy at

https://www.chubb.com/au-en/footer/privacy.html for more details,

or contact:

Privacy Ocer

Chubb Insurance Australia Limited

GPO Box 4907 Sydney NSW 2001

+61 2 9335 3200

Privacy.AU@chubb.com

Complaints and Customer Resolution Service

We understand that You could be dissatised with Our organisation, Our

products and services, or the complaints handling process

itself. We take all Our customers’ concerns seriously and have detailed

below the complaints process that You can access.

Contact Details

If You are dissatised with any aspect of Your relationship with Chubb

including Our products or services and wish to make a complaint, please

contact Our Complaints and Customer Resolution Service (CCR Service)

AMERICAN EXPRESS CREDIT CARD INSURANCE

by post, phone, fax, or email, (as below):

Complaints and Customer Resolution Service

Chubb Insurance Australia Limited

GPO Box 4065

Sydney NSW 2001

P +61 2 9335 3200

F +61 2 9335 3411

E complaints.A[email protected]

Our CCR Service is committed to reviewing complaints objectively, fairly

and eciently.

Process

Please provide Us with Your claim or policy number (if applicable) and as

much information as You can about the reason for Your complaint.

Our response

We will acknowledge receipt of Your complaint within one (1) business

day of receiving it from You, or as soon as possible. Following

acknowledgement, within two (2) business days We will provide You with

the name and relevant contact details of the CCR Service team member

who will be assigned to liaise with You regarding Your complaint. We will

investigate Your complaint and keep You informed of the progress of

Our investigation at least every ten (10) business days and will make a

decision in relation to Your complaint in writing within thirty (30) calendar

days. If We are unable to make this decision within this timeframe, We will

provide You with a reason for the delay and advise of Your right to take

Your complaint to the Australian Financial Complaints Authority (AFCA) as

detailed below, subject to its Rules. If Your complaint falls outside the AFCA

Rules, You can seek independent legal advice or access any other external

dispute resolution options that may be available to You.

To the extent allowable at law, if You request copies of the information

We relied on to make a decision about Your complaint, We must provide

it within ten (10) business days of Your request. Please see the General

Insurance Code of Practice 2020 (https://insurancecouncil.com.au/cop/)

or contact Us for further details. Please note that if We have resolved Your

complaint to Your satisfaction by the end of the fth (5th) business day

after We have received it, and You have not requested that We provide You

a response in writing, We are not required to provide a written response.

However, this exemption does not apply to complaints regarding a declined

claim, the value of a claim, or about nancial hardship.

External Dispute Resolution

If You are dissatised with Our complaint determination, or We are unable

to resolve Your complaint to Your satisfaction within thirty (30) days, You

may refer Your complaint to AFCA, subject to its Rules.

AFCA is an independent external dispute resolution scheme approved by

the Australian Securities and Investments Commission (ASIC). We are a

member of this scheme and We agree to be bound by its determinations

about a dispute. AFCA provides fair and independent nancial services

complaint resolution that is free to consumers. You may contact AFCA at

any time at:

Australian Financial Complaints Authority

GPO Box 3

Melbourne VIC 3001

P 1800 931 678 (free call)

F +61 3 9613 6399

E info@afca.org.au

W www.afca.org.au

Time limits may apply to complain to AFCA and so You should act promptly

or otherwise consult the AFCA website to nd out if or when the time limit

relevant to Your circumstances expires.

Financial Claims Scheme

We are an insurance company authorised under the Insurance Act 1973

(Cth) (Insurance Act) to carry on general insurance business in Australia

by the Australian Prudential Regulation Authority (APRA) and are subject

to the prudential requirements of the Insurance Act.

The Insurance Act is designed to ensure that, under all reasonable

circumstances, nancial promises made by Us are met within a stable,

ecient and competitive nancial system.

Because of this We are exempted from the requirement to meet the

compensation arrangements Australian nancial services licensees must

have in place to compensate retail clients for loss or damage suered

because of breaches by the licensee or its representatives of Chapter 7 of

the Corporations Act 2001 (Cth). We have compensation arrangements in

place that are in accordance with the Insurance Act.

In the unlikely event that We were to become insolvent and were unable

to meet Our obligations under the Policy, a person entitled to claim may

be entitled to payment under the Financial Claims Scheme. Access to the

Scheme is subject to eligibility criteria. Please refer to www.fcs.gov.au for

more information.

General Insurance Code of Practice

We are a signatory to the General Insurance Code of Practice (Code).

The objectives of the Code are to further raise standards of service and

promote consumer condence in the general insurance industry. Further

information about the Code and Your rights under it is available at https://

insurancecouncil.com.au/cop/ and on request. As a signatory to the

Code, We are bound to comply with its terms. As part of Our obligations

under Parts 9 and 10 of the Code, Chubb has a Customers Experiencing

Vulnerability & Family Violence Policy (Part 9) and a Financial Hardship

Policy (Part 10) https://www.chubb.com/au-en/customer-service/support-

for-customers-in-need.html. The Code is monitored and enforced by the

Code Governance Committee.

AMERICAN EXPRESS CREDIT CARD INSURANCE

Sanctions

This insurance does not apply to the extent that trade or economic

sanctions or other laws or regulations prohibit us from providing insurance,

including, but not limited to, the payment of claims. All other terms and

conditions of this policy remain unchanged.

Chubb is a subsidiary of a US company and Chubb Limited, a NYSE

listed company. Consequently, Chubb is subject to certain US laws and

regulations in addition to EU, UN and national sanctions restrictions which

may prohibit it from providing cover or paying claims to certain individuals

or entities or insuring certain types of activities related to certain countries

such as but not limited to Iran, Syria, North Korea, North Sudan, Crimea

and Cuba.