amex qantas discovery travel insurance

• United States
• United Kingdom

American Express complimentary travel insurance

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

In this guide

What American Express cards have complimentary insurance?

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

What do I need to do to use this insurance?

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

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

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

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

Interested in Amex business cards? See details here .

What’s covered by American Express complimentary travel insurance?

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

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

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

What’s not covered by this insurance?

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

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

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

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

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

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

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

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

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

Does American Express credit card travel insurance cover family members?

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

American Express outlines the following definitions for spouses and dependents:

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

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

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

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

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

🔥 Hot tip

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

What is a pre-existing medical condition?

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

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

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

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

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

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

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

You can also get a claim form by calling Chubb.

What to include in your claim

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

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

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

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

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

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

Card purchase cover

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

Card refund cover

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

Smartphone screen cover

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

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

Business cards

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

Corporate cards

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

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

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

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

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

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

Amy Bradney-George

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

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235 Responses

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

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

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

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

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

Best, Nikki

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

Thank you for your comment.

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

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

Regards, Jhezelyn

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

Hi Maritere,

Thank you for getting in touch with Finder.

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

I hope this helps.

Thank you and have a wonderful day!

Cheers, Jeni

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

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American Express Credit Cards

Qantas american express discovery credit card.

Updated 4 April 2024

Collect uncapped Qantas Points while shopping with $0 annual fee. Earn 0.75 Qantas Points for every $1 spent on card purchases, 0.5 Qantas Points for government transactions, and 1.75 Qantas Points on eligible Qantas products and services. This is a nifty card if you want to earn a good rate of Qantas Points and keep costs down with $0 annual fees attached. New American Express Card Members only. T&Cs apply.

How do I apply?

Points Earn Rate (per $1 spent)

0.75 points

Rewards Program

Qantas Frequent Flyer

Bonus Points

Annual Fee (p.a.)

• 30 days is indicative of 1 month • point caps are reset every statement period, which we have also assumed to be 1 month • there is a fixed monthly spend for 365 day. • your monthly spend is multiplied by the earn rate for that 12 months. • you’ll be getting the highest earn rate for spending (if the card has tiered earn rates). • points capping is factored in, if applicable, as is any sign-up bonus. bear in mind though, terms and conditions always apply to points earning and sign-up bonus points."> 0 points over 12 months spend, my monthly card spend, you could earn • 30 days is indicative of 1 month • point caps are reset every statement period, which we have also assumed to be 1 month • there is a fixed monthly spend for 365 day. • your monthly spend is multiplied by the earn rate for that 12 months. • you’ll be getting the highest earn rate for spending (if the card has tiered earn rates). • points capping is factored in, if applicable, as is any sign-up bonus. bear in mind though, terms and conditions always apply to points earning and sign-up bonus points.">.

114,000 points

over 12 months

• Pros & cons
• Rates & fees
• Rewards & points
• Eligibility

Go to offer

Pros and cons

• $0 annual fee
• Earn 0.75 Qantas Points for every $1 spent on card purchases, except government body transactions where you’ll earn 0.5 Qantas Points per $1 spent
• Earn 1.75 additional Qantas Points per $1 spent on selected Qantas products and services in Australia
• No points capping
• Redeem and use points on eligible flights to over 1,000 destinations worldwide with Qantas and airline partners through Classic Flight Rewards
• Add up to 4 additional cards at no extra cost
• Card Refund and Card Purchase Covers
• Pay off your credit card balance with Plan It™ Instalments with 0% p.a. interest and a fixed monthly fee
• Eligible with Apple Pay, Samsung Pay and Google Pay
• High purchase rate

Creditcard.com.au review

Editor review.

Point calculations are accurate as of 3 April 2024 but may be subject to change without notice. All routes may have additional taxes and charges. Check on the official American Express page for the updated calculations.

So, you’re searching for a Qantas rewards card that offers a great earn rate, no points capping, and a heap of useful extras. You also don’t want to pay an annual fee.

A card like that couldn’t exist, surely? That’s too much to ask.

Well, welcome to Unicorn Town, because the Qantas American Express Discovery card ticks every box on the wishlist. It’s a pretty special credit card with lots of perks, rewards, and value. But, is it right for you? Let’s take a look.

What we love...

Using this card, you can earn 0.75 Qantas Points per $1 spent on card purchases, except those made at government bodies in Australia, where you’ll earn 0.5 Qantas Points per $1. You’ll also earn 1.75 additional Qantas Points per $1 spent on selected Qantas products and services within Australia. All with no points capping! The Qantas Points you earn can be redeemed for Classic Flight Rewards with Qantas and more than 50 partner airlines and their affiliates.

Redeem points and use them on eligible flights to over 1,000 destinations worldwide with Qantas and participating airline partners through Classic Flight Rewards. You can fly premium economy from Melbourne to Canberra or Sydney with Qantas for 8,000 points.

While there are plenty of other Qantas rewards cards that offer a similar earn rate (with or without points capping), the difference between those cards and the Qantas American Express Discovery credit card is that with the Discovery card, there’s $0 annual fees.

Usually, you’d have to compare points and features against the annual fee to work out if a card is worth it for you. But, with the Discovery credit card, you’ll pay nothing out (as long as you avoid other fees and interest), while getting loads back in rewards and extras.

What’s not so great...

The card’s purchase rate is sizable, so to make the most of the features on offer, be sure to pay off the balance each month before it starts attracting interest. However, if you can pay the full balance by the due date on each statement, you'll get up to 44 days interest-free on purchases. Even though that’s a shorter interest-free period than other cards, it still gives you plenty of wiggle room to manage your cash flow.

Why should you choose this card?

You may choose this card for the $0 annual fee feature or its welcome offer. You may choose it for its Qantas points earning potential, or extras such as 24/7 global customer service, fast global card replacement, four free additional cards, and up to 44 days interest-free on purchases.

You may also choose this card to take advantage of its Card Refund and Card Purchase Covers, and its online fraud protection guarantee. Or quite simply, you may choose this card for all of the above, knowing that you have all of those versatile features and rewards while paying $0 annual fees.

Overall Rating

A Qantas rewards card with a great earn rate and no points capping, excellent extras all with $0 annual fee.

User reviews

Qantas american express discovery credit card ( based on 4 creditcard.com.au user reviews ), 87% rating based on 4 reviews, customer service, 75% of users who have rated this card would recommend it, review the qantas american express discovery credit card.

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Personal Finance Expert - Creditcard.com.au

Handy back-up card to have. I use it when I run over my QFF points earning limit with my higher points earning card.

Rates and fees

Interest rates.

Purchase rate 23.99 % p.a.

Cash advance rate N/A

Interest free period on purchases up to 44 days

Credit limits

Minimum credit limit $2,000

Maximum credit limit N/A

Fees & repayments

Annual fee $0 p.a.

Additional cardholder fee Up to 4 at no extra cost

Foreign transaction fee 3%

Minimum repayment $30 or 2.5%, whichever is greater (personal & business); N/A (charge cards)

Cash advance fee N/A

Late payment fee $30

Rewards and points

Rewards program

Bonus points N/A

Annual points cap uncapped

Bonus points spend criteria N/A

Earning points with this card

Qantas Rewards points 0.75 points per $1 spent

Points cap per month N/A

Overseas earn rate same as standard earn rate

Additional features

Complimentary insurance.

International Travel Insurance No

Flight Inconvenience Insurance No

Transit Accident Insurance No

Smartphone Screen Insurance No

Purchase Protection Insurance Yes

Extended Warranty Insurance No

Rental Vehicle Excess In Australia Insurance No

Fraud Protection Guarantee

Emergency Card replacement

Global Card Support

Earn 0.75 Qantas Points per $1 spent on card purchases, except for government body transactions in Australia where you will earn 0.5 Qantas Points per $1 spent. No points capping. Perfect for domestic or overseas travel, you can redeem your points for flights on Qantas or any of their partner airlines. Earn 1.75 additional Qantas Points per $1 spent on selected Qantas products and services in Australia. Plus, new cardholders can enjoy 0% p.a. interest on eligible purchases for 12 months when they apply online and are approved for a new card.

Unlike other Qantas points-earning credit cards that can have high annual fees, with the Discovery credit card you will  pay $0 annual fee .  This product is available to Australian citizens, permanent residents, or holders of long term visas. Long term means at least 12 months and does not include student visas.

Key features

• Earn 0.75 Qantas Point for every $1 spent on Card purchases, except spend at government bodies in Australia where you will earn 0.5 Qantas Points per $1 spent
• Up to 44 days interest-free on purchases
• Emergency Card replacement (usually within 48 hours)

Minimum criteria to apply for this card

Be over 18 years old

Good Credit and have not applied for multiple credit cards recently

Australian citizen or permanent resident or hold a long term visa. Long term means at least 12 months and does not include student visas.

You have your personal details ready to complete the online application

Pauline is a personal finance expert at CreditCard.com.au, with 8 years in money, budgeting and property reporting under her belt. Pauline is passionate about seeing Aussies win by making their money – and their credit cards – work smarter, harder and bigger

Recently Asked Questions

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Featured credit cards.

$1 earn rate  

Points earning • 30 days is indicative of 1 month • Point caps are reset every statement period, which we have also assumed to be 1 month • There is a fixed monthly spend for 365 day. • Your monthly spend is multiplied by the earn rate for that 12 months. • You’ll be getting the highest earn rate for spending (if the card has tiered earn rates). • Points capping is factored in, if applicable, as is any sign-up bonus. Bear in mind though, terms and conditions always apply to points earning and sign-up bonus points.">

Apply by 28 May 24

Qantas American Express Ultimate Credit Card

60,000 bonus qantas points.

Spend $3,000 within the first 3 months. $450 Qantas Travel Credit to use on eligible domestic or international Qantas flights each year. Two complimentary The Centurion® Lounge entries each year plus travel insurance covers. T&Cs apply.

When you spend $3,000 within the first 3 months. $450 Annual Qantas Travel Credit. Two complimentary The Centurion® Lounge entries each year plus travel insurance covers. Add 4 additional cardholders for free.

Earn rate per $1

Bonus points.

save card more info

• The annual fee is charged in the first month. • You only pay the minimum monthly payment of your overall balance each month. • You do not spend or withdraw cash on the card until the balance transfer period ends or is paid in full. • All other fees and charges that may apply are excluded. When there is no interest savings or a negative interest saving after the introductory period, the calculator will display $0.'> Filter your savings

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Qantas American Express Discovery Credit Card

• Earn 1.75 Qantas Points on eligible Qantas products and services.
• Earn 0.75 Qantas Point for every $1 spent on Card purchases, except spend at government bodies in Australia where you will earn 0.5 Qantas Points per $1 spent.
• $0 Annual Fee.
• Up to 4 Additional Cards for family members or friends with no extra fee.

Pros and cons

• $0 Annual Fee, a rarity among rewards credit cards.
• Earn 0.75 Qantas points per $1 spent and 0.5 Qantas points per $1 for government spend.
• No cap on the number of points you can earn.
• Add up to 4 additional cards for family members or friends with no extra fee.
• Complimentary Card Purchase Cover and Card Refund Cover.
• There is a 3% foreign transaction fee.
• Lacks complimentary travel insurance.
• There is no access to a concierge service.

Convenience

Customer service, rates and fees.

• Additional cardholders. Get up to 4 additional cards for family and friends at no extra cost. Credit limits, repayments, and general account maintenance is the responsibility of the main account holder.
• Digital wallets. You can use this card with Apple Pay, Google Pay, and Samsung Pay.
• Gambling transactions. This card cannot be used for gambling transactions.

Rewards and benefits

• Complimentary travel insurance. This card does not have complimentary international travel insurance.
• Concierge services. The Qantas American Express Discovery Credit Card does not come with access to a concierge service.
• Insurances. Includes Card Refund Cover and Card Purchase Cover when you make an eligible purchase using your Qantas American Express Discovery Credit Card. Useful if you have purchased from a store that refuses a refund.
• Rewards points. Cardholders can earn 1.75 Qantas Points per $1 spent on eligible Qantas products and services, then 0.75 Qantas Points per $1 spent on all other purchases. Spend with government bodies in Australia will earn 0.5 Qantas Points per $1 spent. While most everyday spending won't hit the 1:1 earn rate, this is offset by there being no cap on the number of Qantas Points you can earn with the card over a year.
• Sign-up bonus. There is no ongoing signup promo for this card at the moment.
• Annual fee. This card has $0 Annual Fee, making it one of the select few cards to earn Qantas Points with no annual fee to pay.
• Balance transfers. There is no balance transfer offer on this card at this time.
• Cash advances. Cash advances will be charged interest at the cash advance interest rate of 23.99% p.a. An additional one-off cash advance fee will be incurred.
• Foreign exchange fee. All purchases made in a foreign currency — overseas or while shopping online at international stores — will incur a 3% foreign transaction fee.
• Interest-free period. This card offers an interest-free period of up to 44 days on purchases — except for cash advances — if you have paid off your previous balance or made minimum required payments.
• Purchases. The Qantas American Express Discovery Credit Card currently does not offer an introductory interest rate. Instead, a standard purchase interest rate of 23.99% per annum applies to all eligible transactions.

Reviewed by Nilooka Dissanayake

User reviews

Great rewards and no fees

Reviewed by Grant

This is a great card with a decent rewards program that links with my Qantas Frequent Flyer account. Every now and then you get great offers on your card to use in a variety stores. I like the Small Business Saturday promotions they have, supporting and encouraging shopping at small businesses. The best thing is that this card costs nothing and a supplementary card is also free.

Be treated as a VIP with American Express

Reviewed by Fiona

With the Qantas American Express Discovery Credit Card I’ve had exclusive access to lounges and bars before shows or during varying entertainment events, by showing my American Express card.

Also with pre-registration of my details and my card details with designated companies, I have access to redeeming credit-back offers.

All enquiries at American Express are dealt with very professionally. I’m always treated like a VIP with American Express.

Excellent card with no fees

Reviewed by Vivian

An excellent card, easy to apply for an obtain, accepted everywhere with absolutely no fees and charges. There’s an added perk of 0.5 points per dollar in Qantas Frequent Flyer points.

It’s a very good card for daily use as well as when travelling domestically and internationally. I would highly recommend this card as it has a substantial credit limit.

No annual fee and great rewards

Reviewed by Thomas

This card has no annual fee and great rewards. It has been around for ages.

Although it’s not accepted too widely, I do get by. It would be great if vendors stopped charging their ridiculous fees, but I make sure I let them know my opinion and walk out without buying. AmEx needs to do something about them.

Rewards card with no fee, but not widely accepted

Reviewed by Jumbo

I am very pleased with the card itself. There’s absolutely no annual fee, and upon the first $300 and Qantas purchase, you get 5000 and 2500 extra points.

Although the earning rate is only 1 point per dollar, not as high as other AmEx cards, I don’t have too much complaint about that.

The only drawback is that the AmEx card is not that widely accepted, and many merchants charge a surcharge for it. So I tend to use this card along with a Visa/MasterCard.

Fantastic for quickly increasing air miles

Reviewed by Teneka

It’s a great card because you can use it at nearly all shopping outlets. PayWave is included. It’s fantastic for quickly increasing the air miles.

The cost can be high, but you pay for the good customer service and peace of mind of using a well-known and easy-to-deal-with brand. I would easily recommend it as an entry-level point builder.

Awesome rewards, no fees

Reviewed by Brad

It’s a great card with no annual fees. You get a bunch of cashback offers almost monthly, with great savings at a variety of retailers, and Qantas Frequent Flyer points with every purchase.

Whenever I’ve had to deal with customer service, the experience has been very impressive — can’t complain at all. If you haven’t already applied, do yourself a favour because there is no reason not to get this card.

Would you like to review this product? Click here to write your review and help others make a better decision.

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Qantas Premier Credit Card

Who is the credit provider and issuer of Qantas Premier credit cards?

Why choose a Qantas Premier credit card?

How long does the application process take?

Can I transfer a balance from another credit card?

Who can apply for a Qantas Premier credit card?

Can I add an additional cardholder?

What’s the difference between the Qantas Premier Everyday, the Qantas Premier Platinum and the Qantas Premier Titanium card?

Can I have a Qantas Premier Platinum, Qantas Premier Titanium and Qantas Premier Everyday card?

How do I apply for a Qantas Premier credit card?

How do I remove an additional cardholder from my account?

How do I reduce the size of an image I need to upload?

Change my product

Can I still spend on my current credit card whilst my new one arrives?

Am I eligible for any sign up bonus Qantas Points when changing Qantas Premier credit cards?

What happens to any additional cardholders that are currently on my credit card?

How long will it take for a change of Qantas Premier credit card to be processed?

What will happen to any periodic payments I have set up on my card?

What will happen to the annual fees when my product change is approved?

What happens to the benefits on my card?

How can I change my Qantas Premier credit card account?

What happens to the statements from my old credit card?

Features and rewards

What travel insurance cover is included with my card?

What is ‘Get away interest free for 6 months’?

When will I receive my Lounge Invitations?

How many Qantas Premier Titanium flights discounts do I get a year?

Where can I use my Qantas Premier credit card?

Do bonus Status Credits expire?

How can I book a flight to earn bonus Status Credits?

How do I link my Lounge Invitations to a flight?

How many Qantas Points will I earn on purchases?

When will I receive my bonus Qantas Points?

What services are provided by the Qantas Premier Concierge?

How can I view the bonus Status Credits I’ve earned on my account?

Is there an interest-free period on my account?

What extended level of coverage does my Qantas Premier Titanium credit card provide?

If I cancel my booking, am I eligible for another Qantas Premier Titanium flight discount this year?

How do I make a travel insurance claim?

How can I use my Qantas Premier Titanium metal card for contactless payments?

What flights are eligible to earn bonus Status Credits?

Can I earn bonus Status Credits on Classic Reward bookings?

Which transactions will earn Qantas Points?

Can I use Points Plus Pay to book my flights and earn bonus Status Credits?

Do bonus Status Credits count towards Lifetime Membership tiers?

How long are my Lounge Invitations active for?

How do I claim any missing bonus Status Credits?

Can bonus Status Credit help me acquire or maintain Platinum One membership status?

How can I change my booking made using my Qantas Premier Titanium flight discount?

How do I order from Qantas Wine?

How do I sign up for my complimentary Qantas Wine Premium Membership from my Qantas Premier Titanium credit card?

How do I book discounted companion fares?

Can I book a multi-city flight using my Qantas Premier Titanium flight discount?

Where can I redeem my Lounge Invitations?

Can I share my Lounge Invitations with a person I’m travelling with?

How do I book a flight with my Qantas Premier Titanium flight discount?

My flight was cancelled, and I was moved to another flight, how do I claim my missing bonus Status Credits?

Complimentary Travel Insurance

Personal Baggage, Valuables, Money and Travel Documents

Trip cancellation and amendment, pre-existing medical conditions, other questions, eligibility for cover under the policy, overseas medical expenses.

Rates and fees

What interest rates apply?

What fees apply and when are they charged?

Balance Transfers

How can I get the most out of my Balance Transfer?

If I have Balance Transfers at different rates, which one does my credit card payments get applied to first?

What is a Balance Transfer?

What are the benefits of closing my other credit cards after a Balance Transfer?

How does a Balance Transfer work?

How does a Balance Transfer affect the interest charged on my account?

Managing your account

How do I report suspicious transactions?

How do I activate my card?

How can I pay bills with my card?

How do I decrease my credit limit?

How do I increase my credit limit?

How can I unsubscribe from marketing emails?

What should I do if my card is lost or stolen?

Why do I need to enter a password to access certain features?

How are my monthly repayments calculated?

How can I withdraw cash from my account?

Can I choose my own card PIN?

What format is the transactions file in?

How can I pay my credit card bill?

Where can I find my statements?

How can I manage my Qantas Premier account?

Will my replacement card have the same card number and PIN number?

How do I close my account?

How do I update my address or personal details?

How far back can I download my transactions?

How do I download my transactions?

How do I dispute a charge on my Premier credit card?

How are payments allocated if I have additional cardholders?

Cancelling a recurring payment

What is Apple Pay?

How does the Apple Pay experience compare to using my plastic card?

Which Qantas Premier products can be used with Apple Pay?

What do I need before I can start using Apple Pay?

Which devices are compatible with Apple Pay?

How do I set up my Qantas Premier card on Apple Pay?

How do I set my Qantas Premier card as the default card in Apple Pay?

Can I add the same card to more than one device using Apple Pay?

How do I remove my card from Apple Pay?

The card image I see in Apple Pay does not match my physical card. Is there an issue with my Apple Pay set up?

Can I add more than one card on Apple Pay?

Where can I use Apple Pay?

How do I make an in-store purchase with Apple Pay?

Do I need to have an active internet connection for Apple Pay to work?

Will I need to enter my card PIN?

Why was my request to add my card to Apple Pay declined?

How much of my credit card available limit can I access when using Apple Pay?

How can I reverse a transaction made using Apple Pay?

How do I return a purchase if I used Apple Pay to make the payment?

How can I keep track of purchases I’ve made with Apple Pay?

How do I dispute a purchase made with Apple Pay?

Can I use Apple Pay overseas?

Can I use Apple Pay at ATMs?

Is Apple Pay secure?

What is a Device Account Number?

What should I do if my device is lost or stolen?

Does Apple Pay have access to my credit card account?

If my device is formatted or jailbroken, will my Apple Pay information remain on it?

Will I continue to enjoy the features and benefits of my Qantas Premier credit card, including points earn, when I use it for payment with Apple Pay?

What should I do if I lose my card and I’m issued a replacement card?

What should I do if my card expires and I’m issued a renewed card?

Can I continue to use my physical card if I disable Apple Pay or remove my digital card from Apple Pay?

If I switch devices, do I need to set up my card in Apple Pay all over again?

If my device is formatted or jailbroken, will my Google Pay information remain on it?

What is Google Pay and Google Wallet?

Can I use Google Pay overseas?

Can I add more than one card to Google Wallet?

How do I make a purchase using my Qantas Premier Card in apps and websites?

How much of my credit card available limit can I access when using Google Pay?

How do I return a purchase if I used Google Pay to make the payment?

Can Additional Cardholders add their cards to Google Wallet?

Will I need to enter my card PIN with Google Pay?

How can I keep track of purchases I’ve made with Google Pay?

Can I add the same card to more than one device?

How do I remove my card from Google Wallet?

How do I make a purchase using my Qantas Premier card in-store?

Can I continue to use my physical card if I disable Google Pay or remove my digital card from Google Pay?

If I switch devices, do I need to set up my card in Google Pay again?

How do I reverse or dispute a Google Pay transaction?

Will I continue to enjoy the same features and benefits of my Qantas Premier credit card, including points earn, when I use it for payment with Google Pay?

Do I need to have an active internet connection for Google Pay to work?

Does Google Wallet or Google Pay have access to my credit card account?

What happens if there are fraudulent transactions made using Google Pay?

What should I do if I lose my card, or my card expires and I'm issued a replacement card?

What happens if my device is lost or stolen?

Why was my request to add my card to Google Wallet declined?

Whom can I talk to for further help with Google Pay?

Which Qantas Premier credit cards can be used with Google Pay?

How do I set my Qantas Premier Card as the default card in Google Wallet?

Where can I use Google Pay?

How do I set up Google Pay and add my Qantas Premier card?

Are Google Wallet and Google Pay secure?

Which devices are compatible with Google Pay?

Instalment Plans

Can I change the term of my Instalment Plan?

How will my repayments be applied to my card?

Can I have more than one Instalment Plan?

How do I make the monthly instalment repayment?

Who can create an Instalment Plan on my card?

Does an Instalment Plan earn Qantas Points?

What happens if I return a purchase that was converted into a Statement Instalment Plan?

How do instalment plan(s) appear on my statement?

How can I track my instalment plan?

Can I pay more than my monthly instalment amount?

Why am I not eligible for a Cash Instalment Plan?

Is the instalment plan amount part of my existing credit limit?

When will I be charged my first monthly instalment?

Can I pay off my instalment plan early?

Will I be able to set up a Statement Instalment Plan if I have a direct debit set up?

What is a Statement Instalment Plan?

Will an instalment plan affect my interest-free days on my purchases?

Is there a fee to set up an instalment plan?

What happens if I miss paying the initial interest charge or monthly instalment repayment by the Payment Due Date?

Open Banking

What is Open Banking?

What information can be shared with Accredited Data Recipients (ADRs)?

How does data sharing work?

Can any institution request access to my data?

Where can I find out more about the Consumer Data Right legislation?

Financial difficulty

What if I’m finding it hard to meet my Qantas Premier credit card repayments?

Loss of a loved one

How can I tell which emails are genuine?

What do I do if I receive a suspicious phone call?

How does Qantas Money protect my Qantas Premier account?

How does Qantas Money protect my financial data?

How can I protect myself online?

What are some scams I need to be aware of?

Customer Support and Complaints

Accessibility and Disability Support - Qantas Premier credit card

Managing your cash flow during COVID-19

Family and Domestic Violence

Coronavirus update

How do I lodge a complaint relating to my Qantas Premier Credit Card?

Qantas Travel Money Card

Changes to Qantas Travel Money

Why is Qantas Travel Money changing to Qantas Pay?

Does my existing Qantas Travel Money card still work?

How do I join and get a Qantas Pay card?

How do I access my Qantas Travel Money account after 21 May?

Will I still earn points with Qantas Pay?

Can I use my Qantas Travel Money card as my Qantas Frequent Flyer membership card?

Can I activate my Qantas Travel Money replacement card after 21 May?

Can I activate my Qantas Travel Money card for the first time after 21 May?

What is changing for the Qantas Frequent Flyer membership card?

How can I access my Qantas Frequent Flyer number?

How can I access and set my Qantas Pay card PIN?

Does Qantas Pay have a digital card?

What fees apply to Qantas Pay?

Can I schedule recurring currency loads from my nominated bank?

General information

Which currencies are available on Qantas Travel Money?

What is the Qantas Card and Qantas Travel Money all about?

Who's eligible for Qantas Travel Money?

Is Qantas Travel Money a credit card or a debit card?

Why does the Qantas Card have two sides?

Does this mean that Qantas is now also a bank?

What are the benefits of Qantas Travel Money?

Apply and activate

How do I apply for and activate Qantas Travel Money?

How do I enable the travel money facility on my Qantas Card?

How do I get the Qantas Card and Qantas Travel Money?

If I select to be verified against Illion (formerly Dun & Bradstreet) records will a credit check be conducted?

How do I use Qantas Travel Money?

What if the details on the Qantas Travel Money identity verification form are incorrect?

What if I don't want to use Qantas Travel Money?

I’ve forgotten my Qantas Travel Money card PIN, how do I retrieve it?

What if my PIN is blocked at an ATM or in-store?

How do I get my card PIN?

Is my card PIN different to my Qantas Frequent Flyer PIN?

How do I change my PIN?

Rates, fees and limits

What exchange rate applies to Qantas Travel Money?

What fees apply to Qantas Travel Money?

What limits apply to Qantas Travel Money?

Do fees apply if I don’t have the local currency on my card?

What happens if I make a purchase in a foreign currency and I don’t have enough money in that currency on my card?

Can I arrange a back-up or secondary card?

How do I cash out remaining funds on the Qantas Travel Money card?

How do I transfer between currencies on the Qantas Travel Money card?

What is a pre-authorisation?

Does the card come with Mastercard Contactless?

Do I get a line of credit or overdraft with Qantas Travel Money?

I am a Qantas Club member and have a Qantas Club card. Do I need both cards?

How do I update my local time and time zone?

When to use

Where can I use Qantas Travel Money?

Can I use Qantas Travel Money if the local currency isn’t available?

Can Qantas Travel Money be used for Qantas in-flight duty free purchases?

Can I use Qantas Travel Money to pay for flights at qantas.com?

Using overseas

Is there anything I need to do before I go overseas?

Do I press Cheque, Savings or Credit when I make a purchase or withdraw cash using Qantas Travel Money?

Can I view my Qantas Travel Money balances at overseas ATMs?

What should I do with my card when I return from overseas?

What will happen if the local currency isn’t available to load on Qantas Travel Money?

I’d like to use Qantas Travel Money in the United States - will my card be accepted?

Should I pay in Australian dollars instead of the local currency when I’m overseas?

Are there any countries where the Qantas Travel Money Card won’t work?

Transactions

Why has a transaction declined when I have enough funds on the card to complete the purchase?

Why would an online transaction be declined if I have enough money to complete the purchase on the card?

Contact Information

Accessibility and Disability Support - Qantas Travel Money

What should I do if my card is lost, stolen or damaged?

How do I lodge a complaint relating to my Qantas Travel Money Card?

Qantas Money App

Understanding your PINs and Passwords

Can I use my fingerprint to log in?

The app doesn’t recognise my fingerprint

What if I’ve forgotten my passcode?

How do I log out?

Managing your finances

Why use the Qantas Money app?

Connecting accounts

How do I delete an account?

What does ‘pending’ mean?

I can’t see my transactions

I can’t find my bank in the list

Can I transfer money using the app?

Is it OK to enter my online banking login details?

How do I add a new account with a connected financial institution?

What type of accounts can I connect?

Why is the transaction date different to the date I made the transaction?

When are my balances and transactions updated?

Transaction categories

How are my transactions categorised?

What happens to my categories if I delete an account?

Are my categories applied to past transactions?

Notifications

What are notifications?

What kind of notifications can I set up?

How do I receive notifications?

Is there a cost for receiving notifications?

How do I set up notifications?

Can I delete or change my notifications?

Will I receive notifications if I’m not connected to the internet (e.g. Wi-Fi, 4G, etc)?

Can I view notifications I’ve previously received?

Why do I need to turn on my App Notifications settings?

Why can I see a notification in my notification history that I didn’t receive?

I’ve received a notification, but can’t see it in my history?

Can I set my own Travel Money low balance alert amount?

Why can’t I find notifications in the app?

How can I make sure that I get access to all available notifications?

What happens when new types of notifications become available?

Contact details

How do I update my contact details?

What if I notice a suspicious transaction?

Qantas Points

Missing Qantas Points?

How can I use my Qantas Points?

How do I view my Qantas Points balance?

Card Offers

Card Linking

Can I link an additional card to Card Offers?

Can I use any card that I have added to my Qantas Money App for Card offers?

Can I link another card in addition to my Qantas Premier Card?

Can I link and earn points with a debit Mastercard® or Visa® card?

Why can't I see my Card Offers on the Qantas Money website?

Why am I not receiving any/many offers?

How long will my offers be valid for?

What are the terms and conditions of the offers?

Why am I receiving offers that don't seem well matched to me?

Can I share an offer with my partner/friend etc?

Why did my friend get an offer for a specific store and I did not?

Are offers applicable to both purchases in-store and online?

What retailers are included in the program?

Earning bonus Qantas Points

Why does it take up to 15 days to receive my points?

How can I check if I have successfully earned points on an offer?

Missing Points

How do I follow up on missing points from Card Offers?

What if I forget to use my linked card, can I still earn the points?

How can I opt out of Card Offers?

All Categories ​>​ ​Qantas Premier Credit Card ​ > ​ ​Complimentary Travel Insurance

The FAQs are a summary only; they are not an exhaustive list of the coverage, terms, conditions or exclusions in the policy. Limits apply and vary with each plan. Please refer to the Terms and Condit…

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The American Express ® Qantas Business Rewards Card

Summary of changes to your Card

The new insurance Terms and Conditions on your American Express Qantas Business Rewards Card will replace your previous Terms and Conditions. The new Terms and Conditions will apply to all claim events occurring on or after 15 March 2022.

Australian Government Restrictions on Travel (including COVID)

You may, in some circumstances, be covered for costs if you need to amend or cancel your trip due to an Australian State or Territory government or the Australian Federal Government or a government agency (such as ‘DFAT’) issuing a ‘Do Not Travel’ warning, or closing borders, after you book your trip. However, no cover is provided:

If the country you’re travelling to is subject to a Government 'Do Not Travel' warning or if borders are closed before your trip starts and you choose to travel anyway. This exclusion applies even if you have an exemption from the Australian government to travel:

For government travel advisories or border closures related to COVID-19 for Domestic Return Trips.

Travel Cover & COVID-19

Cover applies for claim events relating to COVID-19 that occur after 1 November 2021 for certain travel, medical and trip cancellation events. Not all claim events are covered.  For full details, please refer to the COVID-19 section within your new Terms and Conditions, which you can find under the New Terms and Conditions tab.

Return Trips Only

You are only eligible for the travel insurance benefits under Sections A – H 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, confirmation of return to Work dates etc.

Summary Only

Information on this page is a summary of the key changes only. The policy wording has also been updated to make it easier to know exactly what you're covered for and how much you can claim under the Policy. For full details on the terms, conditions, exclusions and benefit limits that apply, please refer to the new Terms & Conditions here .

It’s also important for you to share this information with any Employee Card Members, at your earliest opportunity.

For information about when you will and won’t be covered when travelling in relation to COVID-19, see below:

Domestic Travel

Cover is provided:

• If you need to amend or cancel your trip because you or your travelling companion, close relative or a person you’re visiting for the main purpose of your trip are diagnosed with COVID-19.

Cover is not provided for:

• Cancellation or trip changes due to border closures or travel advisory warnings related to COVID-19; or
• Medical expenses related to COVID-19.

International Travel

• If you need to amend or cancel your trip as a result of border closures or upgraded travel advisory warnings related to COVID-19 that occur after you have booked your trip.
• For medical expenses you incur if you’re diagnosed with COVID-19 during your trip.

Cover is not provided if:

• The country you’re travelling to is subject to a Government 'Do Not Travel' warning or if borders are closed before your trip starts - even if you have an exemption to travel from the Australian government. However, if you need to amend or cancel your trip due to such a situation, the costs of cancellation and amendment are covered if the warning or border closure occurred after you booked and met the eligibility criteria.

Benefit Exclusions 

Claims arising from or caused by COVID-19 will not be paid if: 

• You're travelling against a treating Doctor's advice.
• You travel after the Australian government has issued a ‘Do Not Travel’ warning or despite borders being closed, even if you have received an exemption from the Australian government to travel.
• You receive a refund, credit note or voucher for the amounts you’re claiming (for example, if an airline or hotel provide you with a credit refund).  

Please refer to 'Important things to Know About This Policy'. 

New Benefits and Cover

The following new benefits and increased limits for existing cover have been made. Please refer to the ‘Benefits’ section in the Policy for a full overview of the cover, terms, conditions and exclusions that apply. Capitalised terms are defined and can be found in the T&C’s.

Changes to qualifying travel purchases for Domestic Returns Trips

Your Travel Insurance cover now includes self-drive road trips where you spend $500 or more on accommodation on your American Express Card. A Domestic Return Trip must be over 150kms radius away from Your Home or Your Work. Please see Eligibility Table section of the Policy for full details.

Medical Emergency Expenses Cover

Additional benefits have been added to your Medical Emergency Expenses Cover. If you are travelling alone and suffer a medical emergency, the new benefit covers the costs of flying a friend or close relative to stay with you (up to $1,500 for a return economy airfare and up to $1,200 for their accommodation).

Public Transport Accident Cover

The Transport Accident Cover section now sits under the Personal Accident Cover and is known as Public Transport Accident Cover.

Acts of Terrorism

We’ve extended the Medical Emergency Expenses cover to provide up to $1 million for your medical treatment, accommodation and repatriation (including burial expenses) in the event of you suffering an injury or death due to Acts of Terrorism.

Exclusions and Limitations

More information has been added under 'Important Things To Know About This Policy', to help you understand what benefits you’re eligible for if travelling while pregnant.

   What's covered if you’re travelling overseas while pregnant?

   If you're pregnant, you'll be covered for unforeseen emergency medical expenses due to an injury or illness, which occurs more than 8 weeks    before your estimated date of delivery. However, any medical expenses relating to actual childbirth or your newborn child won’t be covered.    Please see ‘Pregnancy and Childbirth Exclusions’ under General Exclusions in your Policy for full details.

   Should you suffer a sudden and unexpected injury or an illness, which is unrelated to your pregnancy, (for example a broken wrist), you’re    eligible for cover under Medical Emergency Expenses Cover or Trip Cancellation and Amendment Cover, subject always to the Policy. Please    see 'Important Things To Know About This Policy' in the Policy for full details.

No Cover for Competitive Sports

Cover for competitive sporting events where you receive prize money or a fee, is now excluded. Please see the definition of Excluded Sports and Activities in the Definitions Section of the Policy for full details.

No Cover while riding a Motorcycle if you’re unlicensed or not wearing a helmet

You're not covered for claims relating to accidents where you’re riding a motorcycle without a valid motorcycle licence, not wearing a helmet, or exceeding the legal alcohol limit. Please see the General Exclusions in the Policy applicable to all sections.

No Cover for Money stored within personal luggage

You’re not covered for the loss of any money within your personal baggage that’s checked in or stowed in the luggage hold of an airplane, ship, bus or train. Please see exclusions under Personal Baggage, Valuables, Money and Travel Documents Cover for full details.

No Cover for travelling companions 91 years of age or older

Changes have been made to the Trip Cancellation and Amendment Cover to make it clear that you're not covered for the death, injury or unforeseen illness of your travelling companion if they're 91 years of age or older when you made your booking under Exclusions - Trip Cancellation and Amendment Cover. However, the age limit for close relatives has increased from 80 to 90 years of age.

Cuba Exclusion

We’re clarifying that you’re not covered for any costs with respect to Cuba for any event that may occur during any travel.

Employee Card Members

Travel Insurance cover for Employee Card Members

Employee Card Members will continue to be covered under Travel Insurance. It’s your responsibility to tell them about the changes to Travel Insurance. If they’re planning to travel, it’s important they review the Policy before they go to ensure they’re fully covered for all the things they intend to do while on a trip.

For claims and general enquiries about the Terms & Conditions, please contact Chubb:

Email: [email protected]  

• Telephone: 1800 236 023

(Monday to Friday 9am to 5pm AEST)

This insurance is underwritten by Chubb Insurance Australia Limited ABN 23 001 642 020, AFSL No. 239687 (Chubb) under a group policy held by American Express Australia Limited ®, ABN 92 108 952 085, AFSL No. 291313 (American Express). Chubb and American Express only provide general advice and do not consider your objectives, financial situation or needs. Before deciding whether this product is right for you, please read the Terms and Conditions. A copy of American Express Financial Services Guide can be found here . Eligibility criteria applies. Terms, conditions, exclusions, maximum age limits, pre-existing medical condition exclusions and limits apply as set out in the Terms and Conditions.

What changes are taking place, and why?

There have been some changes made to the Insurance Terms and Conditions included with your Card. They include changes to cover, exclusions, benefit limits, as well as adding new benefits to some Cards. The changes to your policy will come into effect on the 15 March 2022. Please refer to the 'Key Changes’ tab for the list of key changes. Alternatively, you can access the new Terms and Conditions   here .

What do I need to be aware of before booking a trip with regards to COVID-19 under the new terms and conditions effective 15 March 2022?

It's always important you review the policy Terms and Conditions before you travel. Are you planning to Travel domestically or internationally?

If domestic: Your policy includes provisions if you need to amend or cancel your trip because you or your travelling companion, close relative, or a person you are visiting as the main purpose of your trip is diagnosed with COVID-19. However, it excludes cancellation or trip changes due to border closures or travel advisory warnings, or medical expenses related to COVID-19.

If international: Your policy includes provisions if you need to amend or cancel your trip because you or your travelling companion, close relative, or a person you are visiting as the main purpose of your trip is diagnosed with COVID-19, or if you need to amend or cancel your trip as a result of border closures that occur after you make your booking.

For more details, please refer to 'Important Things To Know About This Policy' within the new Terms and Conditions effective 15 March 2022.

Do these changes affect existing travel bookings?

If you have travel booked that is due to conclude before 15 March 2022, your coverage remains unaffected by this change. Any travel or claim events occurring on or after this date will be subject to the new Terms and Conditions.

I have a refund, credit note, or voucher (for example, if an airline or hotel provided you with a refund) from a previous booking. Will these changes apply if I use the travel refund, credit note, or voucher to book a new trip?

Yes, these changes will apply to a new trip when:

• No claim has been paid by us with respect to the original trip under your American Express policy; and
• The original trip and the new trip to be booked, for which the travel refund, credit note, or voucher was received, had fulfilled the eligibility or activation requirements for your American Express Card at the time of booking that trip; and
• with the travel refund, credit note, or voucher from the original trip; or
• with a combination of travel refund, credit note, or voucher from the original trip and any other eligible payment method, as applicable.
• Provided that all other Terms and Conditions continue to apply.

Who can I contact for more information on these changes?

For claims and general enquiries about the Insurance Terms and Conditions, please contact Chubb:

• Email: [email protected]
• Overseas Telephone: +61 2 8912 4595

View the new Terms and Conditions here .