Annual travel insurance policy

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If you travel alot, chances are you’d prefer not to have to take out a new travel insurance policy every time. That’s where American Express Travel Insurance Annual Multi-Trip Policy comes in.
Annual Multi –Trip Policy provides cover for unlimited worldwide (excluding Cuba) journeys (up to 45 consecutive days per journey) over a 12 month period. Our Annual Multi-Trip policy includes both International and Domestic travel cover.
Comprehensive American Express Annual Multi-Trip Policy benefits include:
International benefits:
Overseas Emergency Medical Assistance - 24 hours a day, every day of the year.
Overseas Medical and Dental Expenses - Cover for overseas medical emergencies, hospital, nursing and surgical fees, including dental emergencies in the event of an accidental injury or sickness or disease.
Loss of Deposits and Cancellation Charges - Cover for non-refundable cancellation fees and lost deposits due to unforeseen circumstances, such as sickness, accidental injury.
New for old Luggage, Personal Effects and Travel Documents - We may repair your items or reimburse or replace your items with new ones if they are accidentally lost or stolen while you’re travelling.  If a much loved item is lost, its value won’t be depreciated when you claim.
Personal items such as laptops may be covered up to $3,000 per item depending on your plan level selected and items to be covered.
Delayed Luggage Allowance - Cover for essential emergency items of clothing and other personal items if your baggage is delayed, misdirected or misplaced by your transport provider, for more than twelve (12) hours.
Rental Vehicle Excess Cover - Cover for the excess payable on your Rental Vehicle’s motor vehicle insurance, if your rental vehicle is stolen or damaged following an accident. We will also cover the cost of returning the vehicle, if you are unfit to drive due to an accidental injury or sickness or disease
Additional Expenses Following Accidental Injury or Sickness or Disease - Cover for additional hotel accommodation and transport expenses incurred by your travelling companion if you suffer an accidental injury, sickness or disease that prevents you from continuing your journey, up to the maximum amount shown on your certificate of insurance. 

Travel Delay Accommodation - Cover for additional meals and accommodation expenses if your pre-booked transport provider is delayed for at least six (6) hours due to unforeseeable circumstances beyond your control up to the maximum amount shown on your certificate of insurance.
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