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Important Notes

American Express Premier Travel Protector

Single Trip

  1. Please refer to the Benefit Table for further details;
  2. Under the “Family” plan, the maximum benefit in respect of Personal Accident for any one accident shall not exceed 300% of the largest sum insured which applies to any member of that family;
  3. Age Limit:
    • Under the “Individual” plan, each insured person MUST be aged 12 or above;
    • Under the “Family” plan, the main insured person and his/her spouse MUST be aged 18 or above and his/her accompanying child(ren) must be at least three (3) months of age and below eighteen (18) years of age (or below twenty-three (23) years of age if studying full-time in a recognized institution) on the departure date;
  4. Departure date must be within 90 days from the application date;
  5. Maximum 180 days per trip;
  6. No refund of premium is allowed once the policy has been issued, unless that is caused by a necessary cancellation due to unexpected host of RED or BLACK travel Alert on the scheduled destination;
  7. This information is for reference only. For details of coverage, exclusion, terms and conditions, please refer to the policy document;
  8. This plan is underwritten by Chubb Insurance Hong Kong Limited (“Chubb”). Chubb is authorized and regulated by the Commissioner of Insurance of the Hong Kong SAR and is solely responsible for all coverage and compensation under the policy;

Annual Multi-Trip

  1. Please refer to the Benefit Table or further details;
  2. Under “Family” plan, the maximum benefit in respect of Personal Accident for any one accident shall not exceed 300% of the largest sum insured which applies to any member of that family;
  3. Age Limit:
    • Under the “Individual” plan, each insured person MUST be aged 18 to 70 and renewal to 75;
    • Under the “Family” plan, the main insured person and his/her spouse MUST be aged 18 to 70 on the commencement date and his/her accompanying child(ren) must be at least three (3) months of age and below eighteen (18) years of age (or below twenty-three (23) years of age if studying full-time in a recognized institution) during the period of insurance;
  4. The insured child under the Family Plan shall only be covered if he/she is accompanied by his/her insured parent(s);
  5. Effective date must be within 90 days from the application date and there shall be no coverage before the effective date;
  6. Maximum 90 days per trip (Plan 1 : 10 days; Plan 2: 90 days.)
  7. To ensure you are protected at all times, your policy will be automatically renewed upon each anniversary and premium will be charged to your American Express® Card or other credit card which you use to pay for this year’s coverage. A reminder will be sent to you prior to your anniversary date.
  8. This information is for reference only. For details of coverage, exclusion, terms and conditions, please refer to the policy document;
  9. This plan is underwritten by Chubb Insurance Hong Kong Limited (“Chubb”). Chubb is authorized and regulated by the Commissioner of Insurance of the Hong Kong SAR and is solely responsible for all coverage and compensation under the policy.