THE AMERICAN EXPRESS PLATINUM CARD
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American Express® Platinum Card
Insurance
Terms and Conditions
Eective 15th March 2022
American Express Australia Limited ABN 92 108 952 085. ® Registered Trademark of American Express Company.
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THE AMERICAN EXPRESS PLATINUM CARD
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 Benets 3
• Exclusions Within This Policy 4
• Age Limits 4
• Excluded Sports And Activities 5
• COVID-19 5
• Travelling Against Medical or Government Advice 5
• Return Trips Only 5
• Loss Damage Waiver Cover for Rental Vehicles 5
• Fraud 6
• Australian Law 6
• Australian Currency 6
Chubb Assistance (In The Event Of An Emergency) 6
Eligibility For Cover Under This Policy 6
• Eligibility Table 7
If You change Your American Express Card Account
product, or Your American Express Card Account is
Cancelled or Suspended 9
Coverage Summary 11
Schedule of Benets 16
Denitions 20
Benets 24
• Section (A) Trip Cancellation And Amendment Cover 24
• Section (B) Card Account Balance Waiver Cover 27
• Section (C) Personal Accident Cover 27
• Section (D) Travel Inconvenience Cover 28
• Section (E) Medical Emergency Expenses Cover 29
• Section (F) Resumption Of Long International Trip Cover 30
• Section (G) Personal Baggage, Valuables, Money
And Travel Documents Cover 31
• Section (H) Personal Liability Cover 34
• Section (I) Loss of Income Cover 35
• Section (J) Hijack Cover 35
• Section (K) Kidnap Cover 36
• Section (L) Loss Damage Waiver Cover 36
• Section (M) Card Purchase Cover 37
• Section (N) Card Refund Cover 38
• Section (O) Buyer’s Advantage Cover 38
• Section (P) Smartphone Screen Cover 39
• General Exclusions Applicable To Sections A–P above 40
• General Conditions Applicable To All Sections 41
Assistance Services 42
• Section (Q) Legal Assistance 42
• Section (R) Roadside Assistance 42
• Section (S) Home Assistance 43
• General Terms And Conditions Applicable To Assistance
Services, Sections Q–S Above 44
How To Make A Claim 44
General Information About This Policy 45
Privacy Statement 46
• Why We collect Your Personal Information 46
• How We obtain Your Personal Information 46
• When do We disclose Your Personal Information? 46
• Exchanging Personal Information with American Express 46
• Your decision to provide Your Personal Information 46
• Access to and correction of Your Personal Information 46
• How to Make a Complaint 46
Complaints And Dispute Resolution Process 47
Financial Claims Scheme 47
General Insurance Code Of Practice 48
Sanctions 48
THE AMERICAN EXPRESS PLATINUM CARD
1
Terms And Conditions
This Policy is eective from 15/03/2022
American Express® Card Insurance Policy Number: 09NACPLT06
Eligible American Express Card Products
This Policy applies to the following American Express Card Account
product only:
(a) American Express Platinum Card.
About this Policy
This Policy sets out important information about the insurance benets
available to Card Members, Additional Card Members, their Spouses
and Dependent Children. It explains the nature of the arrangements and
relevant benets and risks. If You feel that this product does not meet Your
specic 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. You need to decide if
the limits, type and level of cover are appropriate for You.
There is no obligation to accept any of the benets of this Policy. However,
if You wish to make a claim under the cover provided within this Policy,
You will be bound by the denitions, terms and conditions, exclusions and
claims procedures set out in this document.
This Policy oers 3 main types of benet and services:
1. Travel insurance benets
2. Retail item cover
3. Personal assistance services.
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 benets will no longer
be available to Card Members after the termination date. If You have
satised 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.
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 specic 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 eective 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.
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THE AMERICAN EXPRESS PLATINUM CARD
Examples
The below examples are provided for illustrative purposes only. Each claim will be assessed individually, based on the facts relative to the specic
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
conrms 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 Benets. 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 Benets 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 G – Personal Baggage, Valuables, Money and Travel Documents Cover
The applicable Excess amount is specied in the Schedule of Benets.
An Excess may also be a waiting period, which is the amount of time You have to wait until the benet may become payable.
THE AMERICAN EXPRESS PLATINUM CARD
3
Pre-Existing Medical Conditions
This Policy does not cover any costs incurred from or relating to any
Pre-Existing Medical Condition under Sections A – L (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 Benets
It’s important to understand how Your travel insurance benets 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 suering 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 E - 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 sudden 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:
a) is conrmed by medical evidence provided by a treating 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 benets 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.
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THE AMERICAN EXPRESS PLATINUM CARD
Age Limits
Please note that to be eligible for some of the benets under this Policy, age limits apply. Please see the table below for a summary of the age limits that apply
within this Policy.
Cover Section Age Limit
Age Limit for Covered Person
Travel Insurance Cover (Section A and Sections C - K)
Card Account Balance Waiver Cover (Section B)
You must be 79 years of age or younger before You make Your Qualifying
Travel Purchase.
Loss Damage Waiver Cover (Section L) You must be 21 years of age or older and under 80 years of age before You
make Your Qualifying Rental Vehicle Purchase.
Card Purchase Cover (Section M)
Card Refund Cover (Section N)
Buyers Advantage Cover (Section O)
Smartphone Screen Cover (Section P)
No age limitations apply for these cover sections.
Legal Assistance (Section Q)
Roadside Assistance (Section R)
Home Assistance (Section S)
Age Limit for Close Relative or Travelling Companion
If Your claim relates to the 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)
Resumption of Long International Trip Cover (Section F)
Close Relative or Travelling Companion must be 90 years of age or younger
when You make Your Qualifying Travel Purchase.
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 denition of ‘Excluded Sports and Activities’ for a full list of activities and sports which are not covered under this Policy.
THE AMERICAN EXPRESS PLATINUM CARD
5
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 E – 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 Aairs (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 specic destination), You must comply with that advice. You will not
be covered under Sections A – K 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 benets under Sections A – K
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, conrmation of return to Work dates etc. Remember, cover
automatically ends for all Trips at 180 days.
Loss Damage Waiver Cover for Rental Vehicles
For Rental Vehicle hire of less than 31 days that are paid for on Your
American Express Card Account, this Policy provides cover for costs
that You are responsible for under Your Rental Agreement with a Rental
Company. Loss Damage Waiver cover does not extend to all vehicles that
You may wish to hire. For example, motorcycles, campervans and buses
(except for mini buses hired for recreational purposes) are not covered.
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.
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THE AMERICAN EXPRESS PLATINUM CARD
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 eort 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 dier 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
benets under this Policy become available to You.
THE AMERICAN EXPRESS PLATINUM CARD
7
Cover Section
Eligibility Criteria
To be eligible for the benets under the cover section(s) of the
Policy, the following eligibility criterianeed to be met:
When are benets
available
under the Policy?
When are no benets available
under this Policy?
Travel Insurance Cover
(Section A and
Sections C - K)
Card Account Balance
Waiver Cover (Section B)
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 or frequent yer points (where
applicable); and/or
iii. Travel Benet.
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 or frequent yer points (where applicable); and/or
iii. Travel Benet.
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.
If You have satised
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 – K below) and
the General Exclusions and General
Conditions within this Policy.
Loss Damage Waiver
Cover (Section L)
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 pay the entire cost for renting a Rental Vehicle using Your:
i. American Express Card Account; and/or
ii. corresponding American Express Membership Rewards
points; and/or
iii. Travel Benet.
4. You hold an eligible American Express Card Account which is
current (meaning it is not cancelled or suspended).
5. You are 21 years of age or older and 79 years of age or younger
when You make Your Qualifying Rental Vehicle Purchase.
If You have satised
the eligibility criteria,
You will be eligible to
make a claim for the
Rental Vehicle 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
cover section (L) and the General
Exclusions and General Conditions
within this Policy.
Eligibility Table
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THE AMERICAN EXPRESS PLATINUM CARD
Card Purchase Cover
(Section M)
Card Refund Cover
(Section N)
Buyer's Advantage Cover
(Section O)
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 Your:
i. American Express Card Account; and/or
ii. corresponding American Express Membership
Rewards points.
4. You hold an eligible American Express Card Account which is
current (meaning it is not cancelled or suspended).
If You have satised
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 (M, N or O below)
and the General Exclusions and
General Conditions within this Policy.
Smartphone Screen
Cover (Section P)
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 pay the cost of a:
a. Smartphone outright in 1 single transaction, or
b. Smartphone Data Plan for 3 consecutive months
immediately prior to the front screen breakage;
using Your:
i. American Express Card Account; and/or
ii. corresponding American Express Membership
Rewards points.
4. You hold an American Express Card Account which is current
(meaning it is not cancelled or suspended).
If You have satised
the eligibility criteria,
You will be eligible
to make a claim for
the Smartphone 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
cover section (P) and the General
Exclusions and General Conditions
within this Policy.
Assistance Services
Legal Assistance
(Section Q)
Roadside Assistance
(Section R)
Home Assistance
(Section S)
1. You are a Card Member or an Additional Card Member or their:
a. Spouse;
b. Dependent Child.
2. You are a Resident of Australia.
3. You hold an eligible American Express Card Account which is
current (meaning it is not cancelled or suspended).
If You have satised
the eligibility criteria,
the Assistance
Services provided
for in this Policy are
available to You.
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 (Q, R and S) 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 benets under it. American
Express will always notify you before making any change to the Group Policy that materially impacts your insurance benets.
THE AMERICAN EXPRESS PLATINUM CARD
9
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 dierent American Express card with no
insurance benets.
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 different American Express card with
different insurance benets (i.e. where you
upgrade or downgrade to a dierent 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 different American Express card product with
or without insurance benets.
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
benets available to you as your American
Express Card Account has been cancelled
or suspended.
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 oered by American Express (e.g. a card downgrade or upgrade), you
will not be entitled to cover under this Policy and the insurance benets
will stop.
The card you hold at the date of the claim Event will determine which
insurance benets you have. If your new American Express card comes
with insurance benets, you may be entitled to cover under that new policy.
You should always check before changing to another American Express
card whether that card comes with insurance benets, and the terms and
conditions associated with any such insurance benets 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.
10
THE AMERICAN EXPRESS PLATINUM CARD
Example A – No American Express Card Account in place at the date of
claim Event
Example B – Dierent 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 benets.
On the Trip, Tim suers 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, or for Assistance Services (Legal Assistance, Roadside Assistance or Home Assistance), 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
The following examples are provided to illustrate how Your cover may be aected by changes to Your card.
THE AMERICAN EXPRESS PLATINUM CARD
11
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 benets and some exclusions that apply.
• You should always read the full Policy for comprehensive details.
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 suering an Injury, unforeseen
Illness or dying before or during Your Trip;
• A Close Relative, suering 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 Aairs) 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 Card Account Balance Waiver Cover
If You suer a Personal Accident (Section C below), pays the
balance owing on Your American Express Card Account at the time
of the accident.
We will not pay for:
• any charges on Your American Express Card Account that are
already more than 90 days overdue at the time of the accident.
C 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 a 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.
12
THE AMERICAN EXPRESS PLATINUM CARD
D 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 benet.
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.
E 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 denition of Excluded Sports and Activities in the Denitions
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.
F Resumption of Long International Trip Cover
Covers the costs of resuming Your Long International Trip (of 2 weeks
or more) if it is interrupted due to the death, imminent death, Injury or
unforeseen Illness of a Close Relative.
We will not pay for:
• costs arising from or relating to interruption due to the death,
Injury or unforeseen Illness of a Close Relative who is 91 years of
age or older before You make Your Qualifying Travel Purchase;
• death, accident or Illness of a Close Relative where such an
event was reasonably foreseeable at the time of making Your
Qualifying Travel Purchase;
• costs arising from the Terminal Illness of a Close Relative which
was diagnosed before You made Your Qualifying Travel Purchase;
• an interruption to a Long International Trip which was caused
by or was related to an epidemic, pandemic or outbreak of an
infectious disease or virus or any derivative or mutation of
such viruses.
THE AMERICAN EXPRESS PLATINUM CARD
13
G 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.
H Personal Liability Cover
Covers Your liability if You damage someone’s property or cause
them injury.
We will not pay for:
• You intentionally incurring any liability;
• injury You cause to any person who is a member of Your family,
a Close Relative, or any person under a contract of service or
apprenticeship with You;
• injury or damage involving:
a) mechanically propelled vehicles (including scooters), aircraft
(including drones), hovercraft or watercraft (other than
non-mechanically propelled watercraft less than 10 metres in
length);
b) rearms; or
c) animals (other than horses and domestic pets).
I Loss of Income Cover
Covers loss of employment income if You suer an Illness or Injury
during the course of Your Trip which results in Temporary Total
Disablement and a loss of employment income of 30 days or more.
We will not pay for:
• any future income You expect or could receive as part of any bonus
or bonus structure, salary increase, salary sacrice scheme or
employee benet scheme (such as shares);
• Pre-Existing Medical Conditions.
J Hijack Cover
If Your Public Transport is Hijacked and You are detained for more than
24 hours, covers the cost of Your Close Relatives travelling to stay at the
place of Your Hijack.
We will not:
• act as Your negotiator or intermediary or advise You in dealing with
the Hijackers.
K Kidnap Cover
If You are Kidnapped, covers the cost of Your Close Relatives travelling to
stay at the place of the Kidnap.
We will not:
• act as Your negotiator or intermediary or advise You in dealing with
the Kidnappers.
14
THE AMERICAN EXPRESS PLATINUM CARD
Loss Damage Waiver Cover
L Loss Damage Waiver Cover
Covers loss or damage to a Rental Vehicle.
We will not pay for:
• any costs arising from driving by persons who do not have a
valid driving licence or are not a nominated or specied driver
under the Rental Agreement;
• anyone under the age of 21 or over the age of 79 years of age
before You make Your Qualifying Rental Vehicle Purchase;
• The rental of trailers or caravans, vehicles for business or
commercial use, motorcycles, mopeds, campervans and
motor homes;
• Rental Vehicles which are hired for longer than 31 days;
• Rental Vehicles with a retail purchase price in excess of
$125,000.
Retail Item Protection
M 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.
N 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 oered;
• items purchased from a retailer outside Australia;
• Eligible Items with a purchase price of $50 or less;
• used or second-hand items.
O Buyer's Advantage Cover
Provides cover for the breakdown or defect of Eligible Items beyond the
expiry of the original manufacturer’s warranty period (applicable within
Australia), as follows:
i. if the original manufacturer’s warranty period is 1 year or less,
buyer's advantage extends cover by the same period as the
Original Warranty (for example, if the Original Warranty is 1 year
the buyer's advantage cover period will be an additional 1 year);
ii. if the original manufacturer’s warranty period expires between
2- 5 years, the buyer's advantage extends cover for a period of 1
year (for example, if the Original Warranty is 3 years, the buyer's
advantage cover period will be an additional 1 year).
(Please refer to the cover section for more details).
We will not pay for:
• items purchased from a retailer outside Australia;
• any costs other than for parts and/or labour costs resulting
from a covered breakdown or defect.
THE AMERICAN EXPRESS PLATINUM CARD
15
P Smartphone Screen Cover
Provides cover for breakage to the front screen of Your Smartphone
following accidental drop or impact.
We will not pay for:
• any replacement of any other parts of the Smartphone, other
than for the glass or plastic front screen;
• if You have not paid for Your Smartphone Data Plan on Your
American Express Card Account for the 3 consecutive months
immediately prior to breakage of the front screen of Your
Smartphone (unless You have purchased the Smartphone
outright in 1 single transaction);
• damage to Smartphones older than 3 years of age.
Assistance Services
Q Legal Assistance
Provides cover for referral to a local lawyer and advance of emergency
legal fees and bail bond whilst on an International Return Trip.
This cover section is available whilst on an International Return Trip only.
We will not pay for:
• legal assistance requested within Australia;
• legal fees or bail bond exceeding $10,000.
R Roadside Assistance
Provides cover in respect of Covered Vehicles for Roadside Assistance
or towing, replacement vehicles or return of vehicles.
This cover section is available within Tasmania and mainland
Australia only.
We will not pay for:
• claims arising from participation in motor racing, rallies, speed
or duration tests;
• claims arising as a result of the car not being adequately
repaired, serviced or not maintained in accordance with
manufacturer’s recommendation;
• claims arising if the vehicle has been used for hire or reward, or
carriage of commercial goods;
• loss or damage deliberately caused by You.
S Home Assistance
Provides cover for:
a. 24-hour referral to service providers, such as plumbers or
locksmiths; and
b. charges for 2 Emergency call-outs per year.
This cover section is available within Tasmania and mainland
Australia only.
We will not pay for:
• any charges related to labour and spare parts;
• call-out costs for non-Emergency call outs.
16
THE AMERICAN EXPRESS PLATINUM CARD
Schedule of Benets
Please note that amounts quoted are in Australian dollars (unless otherwise stated).
Travel Insurance
Section of
Cover
Cover Description Benet Limit – per Covered Person unless otherwise stated Excess
Applies
International Return Trip Domestic Return Trip
Section A
Trip Cancellation and Amendment Cover
(section limit)
Up to $30,000 Up to $30,000
$250
b. 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 $5,000 Up to $5,000
Section B Card Account Balance Waiver
The total amount owing on Your
American Express
Card Account
The total amount owing on Your
American Express Card Account
NIL
Section C
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
Benet Type
i. Accidental Death $50,000 $50,000
Permanent
Disablement:
ii. Loss of both hands
or both feet
$50,000 $50,000
iii. Loss of one (1) hand
and one (1) foot
$50,000 $50,000
iv. Loss of entire sight
of both eyes
$50,000 $50,000
v. Loss of entire sight
of one (1) eye and
loss of one (1) hand
or one (1) foot
$50,000 $50,000
vi. Loss of one (1) hand
or one (1) foot
$25,000 $25,000
vii. Loss of the entire
sight of one (1) eye
$25,000 $25,000
THE AMERICAN EXPRESS PLATINUM CARD
17
2. Public Transport
Accident Cover
Benet Type Card Member/Additional Card
Member/Spouse/
Dependent Child(ren)
Card Member/Additional Card
Member/Spouse/
Dependent Child(ren)
NIL
a. Accidental Death
or Permanent
Disablement arising
while travelling as
passenger on Public
Transport
b. Accidental Death
or Permanent
Disablement arising
from exposure
c. Accidental Death
arising from
disappearance while
travelling on Public
Transport
i. Accidental Death
$400,000 $400,000
Permanent
Disablement:
ii. Loss of both hands
or both feet
$400,000 $400,000
iii. Loss of one (1) hand
and one (1) foot
$400,000 $400,000
iv. Loss of entire sight
of both eyes
$400,000 $400,000
v. Loss of entire sight
of one (1) eye and
loss of one (1) hand
or one (1) foot
$400,000 $400,000
vi. Loss of one (1) hand
or one (1) foot
$200,000 $200,000
vii. Loss of the entire
sight of one (1) eye
$200,000 $200,000
Section D
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 $700
after 4 hours
Up to $1,400
after 4 hours
Up to $700 after
4 hours
Up to $1,400 after
4 hours
2. Extended Delayed, cancelled, overbooked or
missed onward Scheduled Flight
Up to $500 per
24-hour period
to a maximum
of $2,000
Up to $1,000 per
24-hour period
to a maximum of
$4,000
Up to $500 per
24-hour period
to a maximum of
$2,000
Up to $1,000 per
24-hour period
to a maximum of
$4,000
3. Delay of Personal Baggage checked-in on
Scheduled Flight
Up to $700
after 6 hours
Up to $1,400
after 6 hours
Up to $700 after
6 hours
Up to $1,400 after
6 hours
4. Extended Delay of Personal Baggage checked-in
on Scheduled Flight
Up to $700
after 48 hours
Up to
$1,400 after
48 hours
Up to
$700 after
48 hours
Up to
$1,400 after
48 hours
5. Delayed arrival to a Special Event Up to $3,000 Up to $6,000 Up to $3,000 Up to $6,000
18
THE AMERICAN EXPRESS PLATINUM CARD
Section E
Medical Emergency Expenses Cover
1. In The Event Of A Medical Emergency
(section limit)
Unlimited
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 $1,500
3. Repatriation/Evacuation (sub limit) Unlimited
4. Incidental expenses each 24 hours (sub limit) Up to $75 per 24-hour period
to a maximum of $5,000
5. Extra accommodation (room only) (sub limit) Up to $250 per 24-hour period up
to a maximum of $2,500
6. a) Return economy airfare (sub limit) Up to $5,000
6. b) Extra accommodation (room only) Up to $250 per 24-hour period up
to a maximum of $2,500
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 F
Resumption Of Long International Trip Cover
$250
1) Returning to Australia for a Close Relative Up to $5,000 Not Covered
Section G
Personal Baggage, Valuables, Money And Travel
Documents Cover (section limit)
Up to $30,000 Up to $30,000
$250
a. Money and Travel Documents (sub limit) Up to $1,000 Up to $1,000
b. Maximum total of all Valuables (including
sub limits i. to iv.);
Up to $9,000 Up to $9,000
i. One (1) Smartphone (sub limit); Up to $1,000 Up to $1,000
ii. One (1) laptop (including accessories sold with
the laptop) (sub limit);
Up to $3,000 Up to $3,000
iii. One (1) camera (including lenses and
accessories) (sub limit);
Up to $5,000 Up to $5,000
iv. Any other Valuable item (sub-limit) Up to $5,000 Up to $5,000
c. any other single item or Pair or Set of items
(sub limit);
Up to $5,000 Up to $5,000
Section H Personal Liability Cover
Up to $3,000,000 Up to $3,000,000
NIL
Section I
Loss Of Income Cover (section limit) Up to $15,000 Up to $15,000
30 Days
Monthly Salary (up to 5 months) Up to $3,000 per month Up to $3,000 per month
THE AMERICAN EXPRESS PLATINUM CARD
19
Section J
Hijack Cover (section limit is an aggregate limit
for all Your Close Relatives)
Up to $29,000 Up to $29,000
NIL
a. return economy airfare Up to $5,000 Up to $5,000
b. Extra accommodation (room-only) for each
twenty-four (24) hour period
Up to $2,000 per 24-hour period
to a maximum of $24,000
Up to $2,000 per 24-hour period
to a maximum of $24,000
Section K
Kidnap Cover (section limit is an aggregate
limit for all Your Close Relatives)
Up to $29,000 Up to $29,000
NIL
a) return economy airfare Up to $5,000 Up to $5,000
b) Extra accommodation (room-only) for each
twenty-four (24) hour period
Up to $2,000 per 24-hour period
to a maximum of $24,000
Up to $2,000 per 24-hour period
to a maximum of $24,000
Section L
Loss Damage Waiver Cover Up to $125,000 Up to $125,000
NIL
Retail Item Protection
Section of
Cover
Cover Description Benet Limit Excess
Applies
Section M
Card Purchase Cover (section limit) Up to $30,000 in any three hundred and sixty-ve (365) day period beginning
when the rst claim Event occurs
$50
Per Eligible Item Up to $3,500
Section N
Card Refund Cover (section limit) Up to $5,000 in any three hundred and sixty-ve (365) day period beginning
when the rst claim Event occurs
NIL
Per Eligible Item Up to $1,000
Section O
Buyer's Advantage Cover (section limit) Up to $20,000 in any three hundred and sixty-ve (365) day period beginning
when the rst claim Event occurs
NIL
Per Eligible Item Up to $20,000
Section P
Smartphone Screen Cover (section limit) two (2) eligible claims in any three hundred and sixty-ve (365) day beginning
when the rst claim Event occurs
10% of
the repair
cost
Per Smartphone Up to $500
Assistance Service
Section of
Cover
Cover Description Benet Limit Excess
Applies
Section Q
Legal Assistance
NIL
1. Referrals and Advance of Lawyer’s Fees Up to $10,000
2. Advance of Bail Bond Up to $10,000
20
THE AMERICAN EXPRESS PLATINUM CARD
Section R
Roadside Assistance
NIL
1. Roadside Assistance Up to $200
2. Replacement Vehicle Rented vehicle costs for up to 3 consecutive days
3. Return of You and Passenger/s to Your Home Up to $400 or 400 kilometres, whichever is less
4. Return or Collection of Vehicle after Repair Transportation costs to collect a Covered Vehicle
Section S Home Assistance
Two (2) eligible claims in any three hundred and sixty-ve (365) day beginning
when the rst claim Event occurs
NIL
Denitions
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 product:
(a) American Express Platinum 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 specied 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 conrmed 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); or
d) when Your trip exceeds 180 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 American Express
Membership Rewards points).
THE AMERICAN EXPRESS PLATINUM CARD
21
Event(s) means an occurrence that gives rise to a claim for a benet 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.
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.
Hijack means the unlawful seizure of or wrongful exercise of control of the
aircraft or other Public Transport on which You are travelling. Hijacking,
Hijacked and Hijackers have the same corresponding meaning.
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 Pre-Existing
Medical Conditions.
Injury means an accidental bodily injury resulting solely and directly from:
1. a sudden, external and identiable Event that happens by chance and
could not have been expected from the perspective of the Covered
Person; and
2. 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 180 consecutive days.
Kidnap means the illegal taking, seizing or detaining by force and holding
of You in captivity for the purpose of demanding payment of monies to
secure Your release. Kidnapping, Kidnapped and Kidnappers have the
same corresponding meaning.
Long International Trip means an International Return Trip with an
itinerary of 15 days or more.
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,
suered by You while 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.
Monthly Salary means:
1. for an employed person: all items of remuneration including
pre-tax salary, bonuses, commission and the like paid every
calendar month; or
2. for a self-employed person: monthly pre-tax income derived from
personal exertion, after deduction of all expenses incurred in
connection with the derivation of that income, averaged over the
period of twelve (12) months immediately preceding the loss of
income or over such shorter period as they have been self-employed.
Natural Disaster means volcanic eruption, ood (more than 20,000
square metres of normally dry land), tsunami, earthquake, landslide,
cyclone, tornado or bushre. 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.
22
THE AMERICAN EXPRESS PLATINUM CARD
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 eects worn or carried by You within a suitcase (or
similar). It does not include Valuables.
Policy means this document which details the insurance benets available
to You under the Group Policy including all relevant terms, benet limits,
conditions and exclusions.
IN THE TIME PERIOD
PRIOR TO MAKING
YOUR QUALIFYING
TRAVEL PURCHASE
THE PHYSICAL DEFECT, MEDICAL OR DENTAL CONDITION, ILLNESS, INJURY OR DISEASE
2 years requires either of the following:
1.
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;
or
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
aects 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:
THE AMERICAN EXPRESS PLATINUM CARD
23
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.
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 Rental Vehicle Purchase means the payment of the entire cost
for renting a Rental Vehicle using Your:
i. American Express Card Account; and/or
ii. corresponding American Express Membership Rewards points;
and/or
iii. Travel Benet.
Qualifying Smartphone Screen Purchase means:
a. The purchase of a Smartphone outright in 1 single transaction; or
b. The payment of 3 consecutive months of a Smartphone Data Plan
(immediately prior to the front screen breakage);
using Your:
i. American Express Card Account; and/or
ii. corresponding American Express Membership Rewards points.
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 or
frequent yer points (where applicable), and/or
iii. Travel Benet.
Qualifying Purchase means:
i. a Qualifying Travel Purchase;
ii. a Qualifying Smartphone Screen Purchase;
iii. a Qualifying Rental Vehicle Purchase; or
iv. purchase of an Eligible Item.
Rental Agreement means the contract of hire between the Rental
Company and You in respect of a Rental Vehicle.
Rental Company means a company or agency that hires Rental Vehicles
and is fully licensed with the regulatory authority of the country, state or
local authority where the Rental Vehicle is collected.
Rental Vehicle means any sedan, station wagon, hatchback, sport utility
vehicle (SUV) or other non-commercial vehicle rented under a Rental
Agreement on a daily or weekly basis from a Rental Company. It does not
mean trucks, buses (except for mini buses hired for recreational purposes),
trailers, caravans, campervans, motorcycles, mopeds, motorbikes, motor
homes, scooters or bicycles.
Rental Vehicle Deductible means the amount payable by You for each and
every claim under the insurance obtained or purchased for loss or damage
to a Rental Vehicle or under any similar waiver type cover.
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 ocer 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
ocer; 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 ocer, 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.
24
THE AMERICAN EXPRESS PLATINUM CARD
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 Data Plan means an ongoing month-to-month contract in
Your name, for the provision of the Smartphone and/or data, calls or texts,
which is used on a Smartphone owned by You. Smartphone Data Plan does
not include pre-paid, top up or add-on plans or purchases.
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.
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.
Temporary Total Disablement means the temporary inability of You to
engage in Your Usual Work, while You are under the regular care of and
acting in accordance with the instructions or advice of a Doctor. If self-
employed, Temporary Total Disablement must prevent You from helping,
managing or carrying out any part of the day-to-day running of a business.
Terminal Illness means a medical condition for which a terminal prognosis
has been given by a qualied 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 eect 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 Benefit means any travel benet or credit oered 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.
Usual Work means permanent full or part time employment, including
self-employment, which You are engaged in prior to Your Trip starting and
that You intend to return to at the end of Your Trip.
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.
Benets
Section (A) Trip Cancellation And Amendment Cover
This benet is only available when You meet the eligibility criteria set out in
the Eligibility Table.
Please refer to the Schedule of Benets within this Policy to conrm the
amount of cover available under this section.
SPECIFIC DEFINITIONS – TRIP CANCELLATION AND AMENDMENT
COVER
THE AMERICAN EXPRESS PLATINUM CARD
25
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 specied Events, as
listed below.
Please note that:
1. specified Events 1 – 10 below (except 7 c) provide cover (as specified
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. specified 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 specied Events:
1. You or Your Travelling Companion or a person You are visiting for the
main purpose of Your Trip suering 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 suering an Injury, an unforeseen Illness or dying;
3. Your redundancy which qualies 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 ocial 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 ocial 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 Aairs) 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;
or
b. an Australian state or territory public health authority have:
i. classied You as having close contact with a person diagnosed
with an infectious disease or virus which is classied as an
epidemic or pandemic; and
ii. directed You into a period of quarantine as a result of
this contact;
or
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 dened 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 ocial
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;
26
THE AMERICAN EXPRESS PLATINUM CARD
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 Benets 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 conrmation in writing
by a treating Doctor conrming the Injury or Illness. If a written
conrmation is not provided, You must provide evidence that You
have taken reasonable steps to obtain the written conrmation,
such as emails, call logs or other reasonable evidence.
2. Claims for death will require death certicate conrming cause
of death. If a death certicate is not provided, You must provide
evidence that You have taken reasonable steps to obtain the death
certicate, 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
eorts 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 oered
a refund, credit note or voucher for the cost of a booking, whether
partially or in full, the amount oered 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
oered 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;
THE AMERICAN EXPRESS PLATINUM CARD
27
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 certicate from Your treating Doctor
conrming Cancellation, Curtailment or Trip Change was necessary
and unavoidable. If a written conrmation is not provided, You must
provide evidence that You have taken reasonable steps to obtain
the written conrmation, 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 benet 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 Benets.
Section (B) Card Account Balance Waiver Cover
This benet is only available when You meet the eligibility criteria set out in
the Eligibility Table.
Please refer to the Schedule of Benets within this Policy to conrm the
amount of cover available under this section.
COVER – CARD ACCOUNT BALANCE WAIVER COVER
Payment of outstanding balance of American Express Card Account
1. If You suer a loss under Section (C) Personal Accident Cover, then
We will pay the applicable benet amount as shown in the Schedule
of Benets as at the time of the accident (including American
Express Card Account charges incurred prior to the accident and not
yet billed).
EXCLUSIONS - CARD ACCOUNT BALANCE WAIVER 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 charges on Your American Express Card Account which are
more than 90 days overdue for payment at the time of the accident.
EXCESS - CARD ACCOUNT BALANCE WAIVER COVER
As noted in the Schedule of Benets.
Section (C) Personal Accident Cover
This benet is only available when You meet the eligibility criteria set out in
the Eligibility Table.
Please refer to the Schedule of Benets within this Policy to conrm 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 suer 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 benet amount (up to the
maximum relevant cover section limit inclusive of sub-limits as shown in
the Schedule of Benets).
If You are eligible for the higher Accidental Death or Permanent
Disablement benet under 2) Public Transport Accident Cover (below),
the above benet 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 Benets
as a result of:
- travelling as passenger on Public Transport, or
- boarding or disembarking from Public Transport, or
- being struck by Public Transport,
We will pay the corresponding benet amount noted in the Schedule
of Benets.
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 Benets due to the
disappearance, sinking or wrecking of the Public Transport on which You
were travelling, We will pay the corresponding benet amount noted in
the Schedule of Benets.
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 benet amount noted in the Schedule
of Benets.
28
THE AMERICAN EXPRESS PLATINUM CARD
TERMS AND CONDITIONS – PERSONAL ACCIDENT COVER
(Please also refer to the General Conditions Applicable to all Sections
within this Policy).
1. Benets 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 benet type (i-vii in the Schedule of Benets)
for each Event, even if multiple benet types apply. If multiple
benet types apply, We will pay the benet type with the highest
benet amount.
3. Claims for Permanent Disablement will require conrmation in
writing by a treating Doctor as soon as reasonably possible. Medical
certicates must be provided at your own cost.
4. Claims for Accidental Death will require death certicate conrming
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 benet 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 Benets Table.
Section (D) Travel Inconvenience Cover
This benet is only available when You meet the eligibility criteria set out in
the Eligibility Table.
Please refer to the Schedule of Benets within this Policy to conrm the
amount of cover available under this section.
COVER – TRAVEL INCONVENIENCE COVER
1. Delayed, cancelled, overbooked or missed onward flight
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 Benets.
2. Extended Delayed, cancelled, overbooked or missed onward flight
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 Benets.
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 Benets.
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 Benets.
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 Benets.
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 benets of this
section in relation to the same Event, We will pay a maximum of
double the benet limits specied.
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
THE AMERICAN EXPRESS PLATINUM CARD
29
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 conscation 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.
EXCESS - TRAVEL INCONVENIENCE COVER
As noted in the Schedule of Benets.
Section (E) Medical Emergency Expenses Cover
This benet is only available when You meet the eligibility criteria set out in
the Eligibility Table.
Please refer to the Schedule of Benets within this Policy to conrm 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 or Illness, 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 in-patient
for each complete 24 hour period;
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 Benets. 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 ocer, 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 Benets 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).
30
THE AMERICAN EXPRESS PLATINUM CARD
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 procedures notied to
You by a treating Doctor or Chubb Assistance’s medical ocer, 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 ocer).
6. If Your original means of transportation cannot be used, We will
repatriate You directly to Australia when You are deemed medically
t to travel by the local treating Doctor or by Chubb Assistance’s
medical ocer.
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 ocer. 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 conrm
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;
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 conrms, 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 ocer 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 Benets.
THE AMERICAN EXPRESS PLATINUM CARD
31
Section (F) Resumption Of Long International Trip Cover
This benet is only available when You meet the eligibility criteria set out in
the Eligibility Table.
Please refer to the Schedule of Benets within this Policy to conrm the
amount of cover available under this section.
COVER – RESUMPTION OF LONG INTERNATIONAL TRIP COVER
1. Resumption Of Long International Trip Cover
In the event that You have to interrupt a Long International Trip and return
to Australia immediately following the:
1. death;
2. imminent death;
3. Injury;
4. unforeseen Illness;
of a Close Relative where the Close Relative is 90 years of age or younger
before You make Your Qualifying Travel Purchase;
We will pay for reasonable extra expenses actually and necessarily incurred
(less any refund received for the unused prepaid travel accommodation
arrangements) to resume Your Long International Trip if:
i. You resume Your Long International Trip within 30 days of returning
to Australia;
ii. You have more than 14 days remaining on Your Long International
Trip; and
iii. the remaining period constitutes at least 25% of the total duration
of Your Long International Trip.
TERMS AND CONDITIONS – RESUMPTION OF LONG INTERNATIONAL
TRIP COVER
(Please also refer to the General Conditions Applicable to all Sections
within this Policy).
1. We will deduct any airline refunds or travel credits You receive from
the amount We pay or reimburse.
2. We will deduct any airfares reimbursed under Section A – Trip
Cancellation and Amendment Cover.
3. We will only pay if the death, imminent death, Injury or unforeseen
Illness of a Close Relative occurred after You make Your Qualifying
Travel Purchase.
EXCLUSIONS – RESUMPTION OF LONG INTERNATIONAL TRIP 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 death, Injury or unforeseen Illness of any Close Relative:
a. who is 91 years of age or older when You make Your Qualifying
Travel Purchase; or
b. that occurred before You made Your Qualifying Travel Purchase;
2. any Terminal Illness of a Close Relative which was diagnosed before
You made Your Qualifying Travel Purchase;
3. circumstances where there was a reasonable likelihood that a return
Home would be necessary before You made Your Qualifying Travel
Purchase or where a reasonable person should have foreseen such
a likelihood;
4. any airfares booked or paid for after the Event that caused the
interruption to Your Long International Trip;
5. an epidemic, pandemic or outbreak of an infectious disease or virus
or any derivative or mutation of such viruses.
EXCESS – RESUMPTION OF LONG INTERNATIONAL TRIP COVER
As noted in the Schedule of Benets.
Section (G) Personal Baggage, Valuables, Money And Travel
Documents Cover
This benet is only available when You meet the eligibility criteria set out in
the Eligibility Table.
Please refer to the Schedule of Benets within this Policy to conrm 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:
32
THE AMERICAN EXPRESS PLATINUM CARD
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; or
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 Benets.
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. Benets will not be payable under more than one section or benet
of this Policy as a result of one Event. We will, however, pay the
benet type with the highest benet 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 specied in the table below.
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
THE AMERICAN EXPRESS PLATINUM CARD
33
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 insucient 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;
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%
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;
Depreciation Table
34
THE AMERICAN EXPRESS PLATINUM CARD
11. the conscation or destruction by order of any government or
public authority;
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 denition 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 Benets.
Section (H) Personal Liability Cover
This benet is only available when You meet the eligibility criteria set out in
the Eligibility Table.
Please refer to the Schedule of Benets within this Policy to conrm the
amount of cover available under this section.
COVER – PERSONAL LIABILITY COVER
1. Personal Liability Cover
If during Your Trip, You become unintentionally legally liable to pay
compensation to someone (other than a member of Your family or a Close
Relative) as a result of:
1. an injury or death to that person; or
2. accidental physical damage or loss to someone else’s
tangible property
We will pay or reimburse costs up to the maximum relevant cover section
limit inclusive of sub-limits as shown in the Schedule of Benets for:
a. Your legal costs;
b. damages that are recoverable from You;
c. costs that are incurred with Our consent (which will not be
unreasonably withheld or delayed);
d. costs for legal representation at any coroner’s inquest or fatal
accident inquiry or in a court of summary jurisdiction.
TERMS AND CONDITIONS – PERSONAL LIABLITY COVER
(Please also refer to the General Conditions Applicable to all Sections
within this Policy).
1. You must not admit liability, negotiate, make any promise, payment
or settlement without Our prior written consent (which will not be
unreasonably withheld, delayed or conditioned).
2. You must as soon as reasonably possible once You receive them,
send Us every letter, claim, writ, summons, process, notice of any
prosecution or inquest that relates to, or may give rise to, liability.
3. We may at any time make full and nal settlement of any claim
at Our cost up to the maximum limit as shown in the Schedule of
Benets pursuant of this Personal Liability Cover. If We do so, We will
have no further liability in respect of such Event or Events except for
the payment of costs and expenses incurred prior to the date
of settlement.
4. We may make any investigation We deem necessary.
EXCLUSIONS – PERSONAL LIABILITY 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 intentionally incurring any liability;
2. injury to any person who is a member of Your family, a Close Relative
or under a contract of service or apprenticeship with You;
3. loss of or damage to any material property belonging to You, or in
Your care, custody or control, or belonging to a member of Your
family, a Close Relative, or anyone under a contract of service or
apprenticeship with You. This does not apply to loss of or damage
to buildings and their contents temporarily occupied by You during
a Trip;
4. liability You incur under a contract or agreement which You would
not have in the absence of such contract or agreement;
5. any unlawful, wilful or malicious act by You and including any assault
and/or battery committed by You;
6. aggravated, exemplary or punitive damages or the payment of any
ne or penalty;
7. liability arising out of the transmission of a sexually transmittable
disease or passing on an illness, virus or disease to another person;
8. liability arising directly or indirectly out of the ownership,
possession, control or use by You or on Your behalf of:
a. mechanically propelled vehicles, aircraft (including drones),
hovercraft or watercraft (other than non-mechanically propelled
watercraft less than 10 metres in length);
b. rearms; or
THE AMERICAN EXPRESS PLATINUM CARD
35
c. animals (other than horses and domestic pets);
9. injury or loss of or damage to material property arising directly or
indirectly from:
a. the ownership possession or occupation of land, immobile
property or caravans other than as temporary accommodation in
the course of a Trip;
b. the carrying on of any trade, business or profession;
10. liability arising directly or indirectly from Excluded Sports and
Activities.
EXCESS – PERSONAL LIABILITY COVER
As noted in the Schedule of Benets.
Section (I) Loss of Income Cover
This benet is only available when You meet the eligibility criteria set out in
the Eligibility Table.
Please refer to the Schedule of Benets within this Policy to conrm the
amount of cover available under this section.
COVER – LOSS OF INCOME COVER
1. Temporary Total Disablement – Loss of Income Cover
If You are employed or self-employed at the time You are on Your Trip, and
during the course of the Trip, You suer an Injury or Illness which:
a) was not a Pre-Existing Medical Condition; and
b) leads to Temporary Total Disablement, as conrmed by Your treating
Doctor; and
c) causes the loss of Your entire regular Monthly Salary lasting 30 days
or longer,
We will pay for any 1 Injury or Illness, Your Monthly Salary up to the
maximum relevant cover section limit inclusive of sub-limits as shown in
the Schedule of Benets for a maximum period of 5 months.
TERMS AND CONDITIONS – LOSS OF INCOME COVER
(Please also refer to the General Conditions Applicable to all Sections
within this Policy).
1. You must see a Doctor. The rst day of Your Temporary Total
Disablement is the date from which Your Doctor conrms You are
unable to engage in Your Usual Work.
2. You must provide Us with the treating Doctor’s certicate conrming
Your continuing Temporary Total Disablement at the end of the rst
30 days and/or as soon as reasonably possible after 30 days and
after every subsequent 30 day period or within a reasonable time
of whenever We reasonably request it. Medical certicates must be
provided at Your cost.
3. We will pay 1 monthly benet on or after the 31st day and continue
to pay for each complete calendar month (subject to the relevant
section limits and maximum period), or until You are no longer
suering Temporary Total Disablement as deemed to be medically
t by a treating Doctor or by Chubb Assistance’s medical ocer.
4. After the rst 30 days of Temporary Total Disablement, if Temporary
Total Disablement is less than a complete calendar month, We will
pay a benet of one-thirtieth (1/30th) of the monthly benet for
each subsequent day of Temporary Total Disablement.
5. In the event of claims for separate periods of Temporary Total
Disablement resulting from the same or dierent conditions or
causes, We will only pay a Temporary Total Disablement monthly
benet if You have been in employment or self-employed and
engaged in Your usual employment duties for 90 consecutive days
between each period of Temporary Total Disablement.
6. If 2 periods of Temporary Total Disablement resulting from the
same condition or cause are separated by less than 90 days, We
will treat this as 1 claim. Therefore, the rst 30 days will not apply
to the second period of Temporary Total Disablement. However, We
will not pay for any days when You did not suer Temporary Total
Disablement.
EXCLUSIONS – LOSS OF INCOME 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 future income You expect or could receive as part of any bonus or
bonus structure, salary increase, salary sacrice scheme or employee
benet scheme (such as shares);
2. Pre-Existing Medical Conditions.
EXCESS – LOSS OF INCOME COVER
As noted in the Schedule of Benets.
Section (J) Hijack Cover
This benet is only available when You meet the eligibility criteria set out in
the Eligibility Table.
Please refer to the Schedule of Benets within this Policy to conrm the
amount of cover available under this section.
COVER – HIJACK COVER
1. In the event of Hijacking
If during Your Trip, Your Public Transport is Hijacked by persons using
violence or threat of violence and You are detained in excess of 24 hours as
a result of the Hijack, We will pay costs for:
a) a return economy airfare; and
b) extra accommodation (room-only) for each 24-hour period;
for Your Close Relatives to travel and stay at the location of the Hijacking,
up to the maximum relevant cover section limit inclusive of sub-limits as
shown in the Schedule of Benets.
TERMS AND CONDITIONS – HIJACK COVER
(Please also refer to the General Conditions Applicable to all Sections
within this Policy).
1. Payment and cover start after the rst 24 hours from the time a
government authority had been notied of the Hijacking.
36
THE AMERICAN EXPRESS PLATINUM CARD
2. We will not act as Your negotiator or intermediary or advise You or any
person in dealing with the Hijackers.
EXCESS - HIJACK COVER
As noted in the Schedule of Benets.
Section (K) Kidnap Cover
This benet is only available when You meet the eligibility criteria set out in
the Eligibility Table.
Please refer to the Schedule of Benets within this Policy to conrm the
amount of cover available under this section.
COVER – KIDNAP COVER
1. In the event of Kidnap
If during Your Trip, You are Kidnapped, We will pay costs for;
a) a return economy airfare; and
b) extra accommodation (room-only) for each 24 hour period;
for Your Close Relatives to travel and stay at the location of the Kidnapping,
up to the maximum relevant cover section limit inclusive of sub-limits as
shown in the Schedule of Benets.
TERMS AND CONDITIONS – KIDNAP COVER
(Please also refer to the General Conditions Applicable to all Sections
within this Policy).
1. Payment and cover start after the rst 24 hours from the time a
government authority had been notied of the Kidnapping.
2. We will not act as Your negotiator or intermediary or advise You or any
person in dealing with the Kidnappers.
EXCESS – KIDNAP COVER
As noted in the Schedule of Benets.
Section (L) Loss Damage Waiver Cover
This benet is only available when You meet the eligibility criteria set out in
the Eligibility Table.
Please refer to the Schedule of Benets within this Policy to conrm the
amount of cover available under this section.
COVER – LOSS DAMAGE WAIVER COVER
If You hire a Rental Vehicle for 31 days or less from a Rental Company, We
will pay the amount You are responsible for under the Rental Agreement, as
a result of accidental damage, re, vandalism or theft of the Rental Vehicle.
This will apply whether You are responsible or not for the accident.
If You have obtained or purchased insurance (or a waiver cover) for loss or
damage to a Rental Vehicle:
We will pay or reimburse You the Rental Vehicle Deductible arising from
an Event that You become liable to pay, up to the maximum relevant cover
section limit inclusive of sub-limits as shown in the Schedule of Benets.
If You have not obtained or purchased insurance (or a waiver cover) for loss
or damage to the Rental Vehicle:
We will pay or reimburse You the lesser of:
• the repair costs to the Rental Vehicle arising from an Event; or
• if not possible or economically practical to repair the Rental Vehicle,
the replacement value of the Rental Vehicle,
that You become liable to pay under the Rental Agreement, up to the
maximum relevant cover section limit inclusive of sub-limits as shown in
the Schedule of Benets.
TERMS AND CONDITIONS – LOSS DAMAGE WAIVER COVER
(Please also refer to the General Conditions Applicable to all Sections
within this Policy).
1. You must be the nominated driver or specied driver under the
Rental Agreement.
2. You must have a valid international driving licence or a driver’s
licence that permits You to legally drive the Rental Vehicle in the
country You are driving the Rental Vehicle.
3. You must be 21 years or older and under 80 years of age before You
make Your Qualifying Rental Vehicle Purchase in order to claim under
this benet.
4. Cover will take eect from the time You take legal control of the
Rental Vehicle and will cease at the time the Rental Company
assumes control of the Rental Vehicle whether at its business
location or elsewhere.
5. Claims will not be paid in respect of expenses to the extent that they
are assumed, waived or paid by the Rental Company or its insurers.
6. 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.
7. Losses will not be paid in respect of any property or expenses insured
under another policy or any claim which should be recoverable under
any other insurance.
8. We may at Our own expense take proceedings in Your name
to recover compensation from any third party (subject to any
restrictions imposed at law, including under the Insurance Contracts
Act 1984 (Cth)) in respect of any indemnity provided under this cover
and any amounts so recovered will belong to Us and You will provide
reasonable assistance to Us.
EXCLUSIONS – LOSS DAMAGE WAIVER 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. Rental Vehicle hire for longer than 31 days;
2. rental of trucks, buses (except for mini buses hired for recreational
purposes), other commercial vehicles, trailers, caravans,
campervans, motorcycles, mopeds, motorbikes, motor homes,
scooters or bikes;
THE AMERICAN EXPRESS PLATINUM CARD
37
3. use of the Rental Vehicle in, or in training for, racing competitions,
trials, rallies or speed testing;
4. operation of the Rental Vehicle in violation of the terms of the
Rental Agreement;
5. where You are not a nominated driver or specied driver under the
Rental Agreement;
6. where You do not have an appropriate and a valid driving licence
giving You legal rights to drive;
7. anyone under the age of 21 years or over the age of 79 years before
You make Your Qualifying Rental Vehicle Purchase;
8. Rental Vehicles with a retail purchase price in excess of $125,000;
9. vehicles over 20 years old;
10. petrol, loss of use, penalties or nes;
11. any process of cleaning, repairing, restoring or alteration;
12. Any damage that results in You lling the vehicle with inappropriate
petrol or diesel that is not specied by the manufacturer;
13. Any pre-existing damage.
EXCESS – LOSS DAMAGE WAIVER COVER
As noted in the Schedule of Benets.
Section (M) Card Purchase Cover
This benet 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 Benets.
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
American Express Membership Rewards points, then We will only
pay such percentage of the purchase price that was paid with Your
American Express Card Account or Your corresponding American
Express Membership Rewards 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 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).
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 insucient
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.
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;
38
THE AMERICAN EXPRESS PLATINUM CARD
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 Benets.
Section (N) Card Refund Cover
This benet 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 Benets.
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 benet
than this benet;
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 axed to home, oce or vehicles.
EXCESS – CARD REFUND COVER
As noted in the Schedule of Benets.
Section (O) Buyer's Advantage Cover
This benet is only available when You meet the eligibility criteria set out in
the Eligibility Table.
SPECIFIC DEFINITIONS – BUYER'S ADVANTAGE COVER
Original Warranty means a manufacturer’s written warranty that does not
exceed 5 years and is applicable within Australia to the Eligible Item.
COVER – BUYER'S ADVANTAGE COVER
You will receive cover for the breakdown or defect of an Eligible Item
purchased, provided that such breakdown or defect would have been
covered by the Original Warranty and occurs between the date that the
Original Warranty expired and the end of the Buyer's Advantage Period
(see table below).
Buyer's advantage commences on expiry of the original
manufacturer’s warranty.
THE AMERICAN EXPRESS PLATINUM CARD
39
Where the Original Warranty
period is:
The Buyer's Advantage Period is:
1 month 1 month commencing at the end of the Original Warranty Period (i.e. a combined warranty period of 2 months)
6 months 6 months commencing at the end of the Original Warranty Period (i.e. a combined warranty period of 12 months)
1 – 5 years 1 Year commencing at the end of the Original Warranty Period (i.e. a combined warranty period of 2-6 years)
5+ years No Cover
We will, after We rst deduct the applicable Excess from Your claim, do one
of the following:
• pay You the reasonable costs to repair or rebuild the Eligible Item if it
is practical and economic for the item to be repaired;
• if it is not practical and economic for You to have the Eligible Item
repaired or rebuilt, We will pay You the lesser of the original purchase
price or the replacement cost of the Eligible Item;
up to the maximum relevant cover section limit inclusive of sub-limits as
shown in the Schedule of Benets.
TERMS AND CONDITIONS – BUYER'S ADVANTAGE COVER
(Please also refer to the General Conditions Applicable to all Sections
within this Policy).
1. You will need to provide a copy of the Original Warranty, the sales
receipt and account statement showing the purchases as You need
these in order to make a claim.
2. 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.
EXCLUSIONS – BUYER'S ADVANTAGE 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 loss or damage caused by a failure to take reasonable care to
protect and maintain an Eligible Item against loss or damage or
mitigate any loss or damage to the property;
2. any obligations, costs or losses beyond those set out in the
Original Warranty;
3. any payments, costs, expenses or claims for bodily injury, property
damage, consequential loss or damage, loss of prot, punitive
damages or legal costs associated in any way with the product other
than for parts or labour costs resulting from a covered breakdown
or defect;
4. any costs for:
a. an Eligible Item purchased in a business name or business
owned or business related;
b. a boat, automobiles, motorboats, airplanes or any
other motorised vehicles and their integral parts and
installed accessories;
c. second-hand items, including antiques;
d. real estate or immovable xtures or ttings (including but not
limited to integrated stove tops, integrated ovens and xed air
conditioners) which are, or are intended to form part of any
residential home.
Excess Applicable To Buyer's Advantage Cover
As noted in the Schedule of Benets.
Section (P) Smartphone Screen Cover
This benet is only available when You meet the eligibility criteria set out in
the Eligibility Table.
COVER – SMARTPHONE SCREEN COVER
1. Smartphone Screen Cover
Where You make a Qualifying Smartphone Screen Purchase, You
are eligible to receive reimbursement of the repair cost when Your
Smartphone suers front screen breakage resulting from an accidental
drop or impact.
We will only pay up to the maximum relevant cover section limit inclusive
of sub-limits as shown in the Schedule of Benets.
For the purposes of this cover section:
• Smartphone Data Plan does not include pre-paid, top up or add-on
plans or purchases;
• Smartphone does not mean tablets or smart watches; and
• Smartphones purchased new more than 3 years before the relevant
claim Event are not eligible for cover.
40
THE AMERICAN EXPRESS PLATINUM CARD
TERMS AND CONDITIONS – SMARTPHONE SCREEN COVER
(Please also refer to the General Conditions Applicable to all Sections
within this Policy).
1. Reimbursement is restricted to 2 eligible claims in any 365 day period
beginning when the rst claim Event occurs.
EXCLUSIONS – SMARTPHONE SCREEN 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. replacement of any other parts of the Smartphone other than the
glass or plastic front screen unless the manufacturer’s authorised
process determines a replacement by way of a like for like
refurbished Smartphone of the exact model;
2. Smartphone screen breakage resulting from:
a. any process of cleaning, servicing, inspection, maintenance,
adjustment or repair;
b. breach of the manufacturer’s operating or guidance instructions;
c. wear and tear or gradual deterioration of the equipment, or any
damage that cannot be attributed to a single incident;
d. corrosion, rust, condensation or evaporation, dampness, dust or
change in temperature, unless directly attributed to sudden and
unforeseen damage;
e. any wilful act, misuse or negligent use of the equipment by You
or anyone authorised by You to use the equipment;
f. any unlawful act committed or attempted by You or by anyone
authorised by You to use the equipment;
3. Smartphone screen breakage if You have not made a Qualifying
Smartphone Screen Purchase;
4. a Smartphone which was purchased new more than 3 years before
the relevant claim Event.
EXCESS – SMARTPHONE SCREEN COVER
10% of the repair cost
General Exclusions Applicable To Sections A–P Above
These exclusions apply to all covers described in this Policy unless
specied otherwise. They are listed in no particular order. There are also
specic 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 specically 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 benet scheme required
to be eected 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 (except under Section F –
Resumption of a Long International Trip Cover);
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 unt to travel if You knew,
or a reasonable person in Your circumstances would have known,
that You were unt to travel (whether or not You had sought medical
advice);
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 ocial 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 unt to travel;
12. Trips that do not start and end in Australia;
THE AMERICAN EXPRESS PLATINUM CARD
41
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, conrmation
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 inuence 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-inicted 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 beneciaries. 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 (specied 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 C – Personal Accident Cover, Section E – Medical
Emergency Expenses Cover, Section J – Hijack Cover or Section K –
Kidnap 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:
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 E – 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 E – 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 E – 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
42
THE AMERICAN EXPRESS PLATINUM CARD
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.
Assistance Services
Section (Q) Legal Assistance
Available Whilst On An International Return Trip Only
COVER – LEGAL ASSISTANCE
1. Referrals And Advance Of Lawyers’ Fees
Chubb Assistance will provide You with the name, address and telephone
number of a local lawyer. Wherever Chubb Assistance has sucient
information to do so, it will refer You to two or more lawyers. Although
the nal selection of a lawyer will be the responsibility of You, Chubb
Assistance guarantees that any lawyer to whom it refers You will
be admitted to practice in accordance with the laws of the relevant
jurisdiction, be of good repute and not have been the subject of any
reprimand or malpractice proceedings. Chubb Assistance will advance
emergency funds to You to pay for fees and costs associated with such
representation. This amount will be billed to Your American Express Card
Account within 30 days from the date of advance of the legal fees.
2. Advance Of Bail Bond
Chubb Assistance will attempt to secure and properly post, where
possible, bail bonds for You for incarceration occasioned as a result of
a trac accident or an administrative complication. The bond cost is
to be borne in full by You and will be billed to Your American Express
Card Account within 30 days from the date of posting of the bond, for
repayment.
We will pay or reimburse costs up to the maximum relevant cover section
limit inclusive of sub-limits as shown in the Schedule of Benets.
TERMS AND CONDITIONS – LEGAL ASSISTANCE
(Please also refer to the General Terms and Conditions Applicable to
Assistance Services, below).
1. The total advance for legal services and bail bonds per incident is
limited to the maximum cover section limit inclusive of sub-limits as
shown in the Schedule of Benets.
2. If You do not attend the court hearing at the arranged date, Chubb
Assistance may launch immediate action to recover the loss of the
bail bond and pursue You for immediate repayment.
EXCESS – LEGAL ASSISTANCE
As noted in the Schedule of Benets.
Section (R) Roadside Assistance
Available Within Tasmania And Mainland Australia Only
SPECIFIC DEFINITIONS – ROADSIDE ASSISTANCE
Covered Vehicle means a sedan, station wagon, hatchback or sport utility
vehicle (SUV), that is less than 8 years old, is in good operating condition,
is registered, insured and owned in Australia, and is driven in Australia by
You or a driver employed by You, at the time of the Event requiring roadside
assistance services.
Vehicles are not covered if they:
a. are being used for hire or reward;
b. exceed (including any load carried) the following gross vehicle weight
and dimensions: 2,000 kg in weight; 7 metres in length; 3 metres in
height; 2.25 metres in width; or
c. are used for motor racing, rallies, speed or duration tests, or practice
sessions for such events.
COVER – ROADSIDE ASSISTANCE
1. Roadside Assistance
If a Covered Vehicle is immobilised or rendered unroadworthy as a result
of accidental damage or breakdown, and You contact Chubb Assistance,
Chubb Assistance will arrange and pay for:
a. on-the-spot roadside assistance, including the call-out charge, labour
for minor roadside repairs, up to a maximum of 10 litres of fuel (if
needed), but excluding any spare parts; or
b. towing (valid only when the vehicle is travelling along tracable
gazetted roads) to the nearest suitable repairer. A garage or specialist
undertaking repair work, other than at the roadside, will be acting as
Your agent for such repair work
up to the maximum relevant cover section limit inclusive of sub-limits as
shown in the Schedule of Benets.
2. Replacement Vehicle
If a Covered Vehicle is immobilised or rendered unroadworthy as a result
of accidental damage or breakdown, and repairs cannot be eected
within 48 hours (excluding Sundays and Public Holidays), Chubb
Assistance will arrange and pay for the rental of a sedan, station wagon,
hatchback or sport utility vehicle (SUV) from an independent car rental
company nominated by Chubb Assistance, for use for a maximum of
3 consecutive days by You, providing towing of the Covered Vehicle to
the workshop has been arranged by Chubb Assistance. The make and
model of the rented vehicle may be determined based on availability of
rental vehicles at the independent car rental company. Only You will be
registered as the driver of the rented vehicle. You will be responsible for
costs of insurance cover, fuel, excess waivers, and other requirements
installed by the rental company. You are required to return the rented
vehicle to the address designated by the rental company or pay the cost
of collection or delivery.
We will pay up to the maximum relevant cover section limit inclusive of
sub-limits as shown in the Schedule of Benets.
THE AMERICAN EXPRESS PLATINUM CARD
43
3. Return Of You And Passenger/s To Your Home
a) Less than 50 kilometres from Your Home
If the immobilised Covered Vehicle is towed to a repair workshop
less than 50 kilometres from Your Home, Chubb Assistance will
arrange and pay for the transportation of You and up to four
passengers back to Your Home.
b) More than 50 kilometres from Your Home
If the immobilised Covered Vehicle is towed to a repair workshop
more than 50 kilometres from Your Home, Chubb Assistance will
arrange and pay expenses for the transportation of You and up to four
passengers back to Your Home.
We will pay up to the maximum relevant cover section limit inclusive
of sub limits as shown in the Schedule of Benets.
4. Return Or Collection Of Vehicle After Repair
a) Less than 50 kilometres from Your Home
If a Covered Vehicle is to be retrieved from a repair workshop located
less than 50 kilometres from Your Home, Chubb Assistance will
arrange a convenient time, book and pay for a taxi to take You to the
workshop to retrieve Your Covered Vehicle.
b) More than 50 kilometres from Your Home
If a Covered Vehicle is to be retrieved from a repair workshop located
more than 50 kilometres from Your Home, Chubb Assistance
will arrange and pay for the Covered Vehicle to be delivered by a
registered transporter to a depot near Your Home. Providing the
depot is located within 50 kilometres from Your Home, Chubb
Assistance will arrange a convenient time (but limiting consequential
expenses such as parking charges at the depot), book and pay for a
taxi to take You to the workshop to retrieve Your Covered Vehicle.
We will pay up to the maximum relevant cover section limit inclusive
of sub-limits as shown in the Schedule of Benets.
TERMS AND CONDITIONS – ROADSIDE ASSISTANCE
(Please also refer to the General Terms and Conditions Applicable to
Assistance Services, below).
1. Roadside assistance and/or towing services for vehicles located at
Your Home are not covered, unless You wish to bear the associated
costs.
2. The following costs will be Your responsibility:
a. any labour costs not incurred at the roadside; and
b. the cost of replacement parts or other materials.
3. The cover will cease automatically should any governmental
authority impound the Covered Vehicle.
4. Once Chubb Assistance has been called, it is vital that Your Covered
Vehicle is attended by You. Should Chubb Assistance arrive at the
Covered Vehicle, and it is Unattended, then work cannot be carried
out and payment may be required for any subsequent calls-outs to
assist with the incident.
5. If Chubb Assistance arranges for temporary roadside repairs to be
carried out to the Covered Vehicle, You are required to then as soon
as reasonably possible arrange for any permanent repairs that may
be necessary.
6. You must ensure that any driver of the Covered Vehicle has a fully
valid driving licence.
7. If You or anyone acting for You uses fraudulent or dishonest means,
or makes a false statement to:
a. obtain cover; or
b. make a false claim,
then all benets under this Policy will be lost. Any fraudulently
obtained benets must be repaid to Chubb.
8. You will be required to provide Chubb Assistance with Your American
Express Card Account number, or any other payment card, to cover
any costs or expenses Chubb Assistance has paid out on Your behalf
that are not covered under this Policy.
EXCLUSIONS – ROADSIDE ASSISTANCE
(Please also refer to the General Exclusions Applicable to Assistance
Services, below).
We will not pay for or reimburse any costs arising from or relating to:
1. claim arising from participation in motor racing, rallies, speed or
duration tests or practising for such events;
2. previously inadequate repair to the Covered Vehicle;
3. claim where the Covered Vehicle has not been maintained or
operated in accordance with the manufacturer’s recommendations;
4. claim where the Covered Vehicle has been used for hire or reward, or
for the carriage of commercial goods;
5. loss or damage deliberately carried out or deliberately caused by
You or a driver employed by You, at the time of an accident;
6. loss, damage or expense which at the time of happening is insured
by, or would but for the existence of this cover, be insured by any
other existing certicate, policy, or any motor organisation’s service.
If You have any other policy in force that may cover the Event for
which You are claiming, You must tell Chubb Assistance.
Excess Applicable To Roadside Assistance
As noted in the Schedule of Benets.
Section (S) Home Assistance
Available Within Tasmania and Mainland Australia Only
SPECIFIC DEFINITIONS – HOME ASSISTANCE
Emergency means a circumstance that poses an immediate threat to the
physical safety of Your Home or contents, which requires service in less
than 24 hours (e.g. a burst water pipe or a branch falling through the roof
of Your Home during a storm).
COVER – HOME ASSISTANCE
1. Home Assistance
Chubb Assistance will provide the following Home Assistance services
to You:
a. 24-hour referrals to service providers, including plumbers,
locksmiths, electricians and air-conditioning service specialists; and
44
THE AMERICAN EXPRESS PLATINUM CARD
b. organise and pay, up to a maximum of twice per year, the charges for
Emergency call-out for the above providers to go to Your Home. All
charges relating to labour and spare parts are to be borne by You. In
the case of non-Emergency call-outs, arrangements may be made
by Chubb Assistance but call-out costs will be the full responsibility
of You.
We will pay up to the maximum relevant cover section limit inclusive of
sub-limits as shown in the Schedule of Benets.
TERMS AND CONDITIONS – HOME ASSISTANCE
1. Reimbursement is restricted to 2 eligible claims in any 365-day
period beginning when the rst claim Event occurs.
EXCESS – HOME ASSISTANCE
As noted in the Schedule of Benets.
General Terms And Conditions Applicable To Assistance Services,
Sections Q–S Above
1. Any fraud, forgery or false evidence on the part of You will
automatically end obligations to provide You with
Assistance Services.
2. Chubb Assistance Services will use all available means to provide
all assistance services as detailed in this Policy. However, Chubb
Assistance cannot be held responsible for non-execution or delays
resulting from any cause or event not reasonably within its control,
including but not limited to Natural Disasters, war, military act of
foreign nations, revolution, insurrection, civil war, armed rebellion
or other similar disturbance or riot (“riot” meaning the state of
aairs in which national or local order is seriously disturbed by the
collective action of a group or groups of persons, and in which a
serious threat to peace and order is deemed to exist), civil strikes,
lockouts or other labour disturbance or the refusal of authorities
to permit the provision of such services, all acts of sabotage or
terrorism committed from concerted actions, radioactivity eects,
and all acts of God making impossible the execution of this Policy.
3. To the extent it is reasonably practical, You must not attempt
to resolve problems encountered without rst advising Chubb
Assistance. If You cannot demonstrate that You tried to contact
Chubb Assistance rst (for example, through call logs) when it
was practical to do so, You may be responsible for some or all
of Your costs (to the extent that those costs could otherwise
have been reduced through preferred providers arranged by
Chubb Assistance).
General Exclusions Applicable to Assistance Services, Sections Q–S
Above
We will not pay for or reimburse any costs under any section of this Policy
arising from or relating to:
1. Events where Chubb Assistance was not contacted about in the
rst instance, unless it was not reasonably possible under the
circumstances to contact us.
How To Make A Claim
In the event of a medical emergency or for travel assistance whilst
overseas, or for other Assistance Services (legal assistance, roadside
assistance or Home Assistance) 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. disclose to Us 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).
THE AMERICAN EXPRESS PLATINUM CARD
45
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 conrm if some of the benets 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.
Can I admit liability if an Event occurs under the Personal Liability
cover section which may give rise to a claim?
No, You (or Your legal representative) should not make any oer, promise
of payment or admit any liability without written consent from Us (where
such consent will not be unreasonably withheld or delayed). You should
request the claim against You be put in writing.
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 benets detailed in this
document. American Express has the right to terminate the Group Policy,
cancel or suspend any insurance benets, in which case You will no longer
receive the insurance benets. 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 benets detailed in this
Policy provided by Chubb as the insurer. You are not charged by Chubb
for these benets and can access the relevant benets if You are a Card
Member.
This Policy replaces and supersedes any Policy previously issued prior to
the eective 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
46
THE AMERICAN EXPRESS PLATINUM CARD
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 benet 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 aliates.
“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.
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 as current
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 oces 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 specic 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
contact Us, if You would like a full list of the countries in which these
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 benets are provided. We may share and receive Personal
Information from American Express in order to manage and administer
the Group Policy and insurance benets, 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 oers from Us or persons with whom We
have an association.
THE AMERICAN EXPRESS PLATINUM CARD
47
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
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 Ocer
Chubb Insurance Australia Limited
GPO Box 4907 Sydney NSW 2001
+61 2 9335 3200
Privacy.AU@chubb.com
Complaints And Dispute Resolution Process
We understand that You could be dissatised 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.
Complaints and Customer Resolution Service
Contact Details
If You are dissatised 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)
by post, phone or email (as below):
Complaints and Customer Resolution Service
Chubb Insurance Australia Limited
GPO Box 4065
Sydney NSW 2001
P +61 2 9335 3200
E complaints.AU@chubb.com
Our CCR Service is committed to reviewing complaints objectively, fairly
and eciently.
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 dissatised 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.
48
THE AMERICAN EXPRESS PLATINUM CARD
The Insurance Act is designed to ensure that, under all reasonable
circumstances, nancial promises made by Us are met within a stable,
ecient 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 suered
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 condence 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) at 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.
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.
THE AMERICAN EXPRESS PLATINUM CARD
49
American Express Australia Limited ABN 92 108 952 085. ® Registered Trademark of American Express Company.
