American Express Travel Insurance

American Express is a provider of travel insurance, credit cards and life insurance.

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The table below displays a snapshot of American Express’ travel insurance policies on Canstar’s database, sorted by Star Rating (highest to lowest). Please note the products and Star Ratings displayed are based on a couple travelling to the USA aged under 70.

 

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What types of travel insurance does American Express offer?

American Express offers domestic and international travel insurance. If you’re unsure as to which kind of travel insurance is most appropriate for you, or would like to better understand the differences between the different types of cover, check out our comprehensive guide on travel insurance.

What does American Express domestic travel insurance cover?

American Express’ domestic travel insurance policy will cover you for loss of deposits, cancellation charges, loss of luggage, personal effects and travel documents, rental vehicle excesses and delayed luggage expenses.

Please note that exclusions may apply, including changes of mind regarding travel plans, loss of luggage or personal effects due to negligence, and any injuries or losses sustained under the influence of alcohol and/or drugs.

For more details about what is and isn’t covered, check out the Product Disclosure Statement on American Express’s website.

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What does American Express international travel insurance cover?

American Express’ Basic international travel insurance policy will cover you for unlimited medical expenses, along with loss of luggage and personal effects.

Its Essential international travel insurance plan adds cover for cancellations, delays, accidental death and additional expenses following accidental injury, sickness or disease.

Its Comprehensive international travel insurance plan adds cover for cash in hospital, stolen cash, accidental loss of life and permanent loss, and loss of income.

Its Ultimate international travel insurance plan offers higher maximum levels of cover for everything covered on a Comprehensive policy.

Please note that exclusions may apply, including changes of mind regarding travel plans, loss of luggage or personal effects due to negligence, and any injuries or losses sustained under the influence of alcohol and/or drugs.

For more details about what is and isn’t covered, check out the Product Disclosure Statement on American Express’s website.

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American Express FAQs

Yes, all four of American Express’ international travel insurance policies provide unlimited cover for overseas medical and hospital expenses.

As always, various conditions and exclusions will apply, including pre-existing conditions, pregnancy and injuries sustained while under the influence of alcohol and/or drugs.

For more information, read American Express’ Product Disclosure Statement.

Yes, American Express will cover you up to a certain amount for replacing or reimbursing luggage and personal effects that are lost, stolen or damaged while travelling.

Under American Express’ domestic travel insurance policy, you’ll be covered for up to $5,000 worth of luggage and personal effects.

Under American Express’ international travel insurance policies, you’ll be covered for a maximum of either $2,500, $5,000, $10,000 or $15,000 worth of luggage and personal effects under a Basic, Essential, Comprehensive or Ultimate policy, respectively.

If you’re not sure what to do when your luggage goes missing, check out our guide on travel mishaps and how to avoid them.

Yes, American Express travel insurance will cover up to a certain amount for lost deposits and cancellation fees for pre-paid travel arrangements due to unforeseen circumstances outside the traveller’s control on a policy.

Its domestic policy offers $10,000 worth of cancellation benefits, whereas its Basic, Essential, Comprehensive and Ultimate international travel insurance policies offer $0, $5,000, $10,000 and unlimited cancellation benefits, respectively.

Read the Product Disclosure Statement for more information.

You can purchase an American Express travel insurance policy by first comparing your options with Canstar and then generating a quote online. Clicking ‘Get A Quote’ on the American Express website will take you to its quote engine, which is relatively straightforward and should only take you a few minutes to fill out if you have all the details of your trip on hand:

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You can lodge a claim with American Express online here, or by calling 1800 810 624 (Mon-Fri 9am-5pm AEST). It also has an overseas emergency line, which you can call on +61 2 8907 5666 (24/7).

Check out our guide on how to make claiming for travel insurance easier.

American Express is a global financial services company founded in 1850 in America (hence the name). It has since become a worldwide organisation, offering services in approximately 100 countries around the globe. Its credit cards account for 23% of the total dollar volume of credit card transactions in the United States as of 2017. It was recently ranked by Interbrand as the 25th most valuable brand in the world.

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Written by: James Hurwood | Last updated: