With protection against loss of frequent flyer points and unique add-ons like golf and winter sports coverage, American Express My VoyageGuard aims to safeguard you against any situation.
If you’re a serious miles chaser, you’d know that most travel insurance policies do not cover the loss of frequent flyer points. Fortunately, American Express’ My VoyageGuard policy has that benefit built in from the get-go. Additionally, there are optional add-ons that you can purchase if you enjoy your fair share of winter sports or golf.
However, that doesn’t mean it skimps out on essential protection such as medical and personal accident coverage. This policy underwritten by Chubb aims to cover you as thoroughly as possible after all.
Here’s everything you need to know about the American Express My VoyageGuard travel insurance policy:
Summary of product
1. Loss of Frequent Flyer Points
If the Insured Person purchase an airline ticket (or other travel and/or accommodation expense) using frequent flyer points or similar reward points and the airline ticket (or other travel and/or accommodation expense) is subsequently cancelled and the loss of such points cannot be recovered from any other source, the Company will indemnify the Insured Person the retail price for that ticket (or other travel and/ or accommodation expense).
2. Emergency Medical Evacuation/ Repatriation
Emergency medical evacuation/ repatriation capped at S$500,000 for Essential Plan and S$1,000,000 for Standard Plan. Unlimited emergency medical evacuation and repatriation cover for Superior Plan.
3. Alternative Travel Due To Infectious Disease
If you are forced to cancel or reroute the Journey due to public health or travel advisory following an outbreak of Infectious Disease, the Company will indemnify the Insured Person in respect of Cancellation Expenses.
4. Home Guard
Whilst you are on a Journey, the Company will indemnify you for loss of or damage to Home Contents kept in your place of residence, arising out of any one of the insured perils.
5. Rental Vehicle Excess Cover
American Express will reimburse the Insured Person for any excess or deductible which becomes legally liable to pay in respect of loss or damage to the rental vehicle caused by an accident during the rental period.
6. Winter Sports Option
Whilst the Insured Person is on a Journey and sustains loss of or damage to his Ski Equipment, American Express will indemnify the Insured Person in respect of such loss up to the relevant Benefit amount.
Pros and cons
|Benefit payable for loss of frequent flyer points|
Winter Sports and Golf option
Benefit payable for alternative travel due to Infectious Disease
|No cover for pre-existing medical conditions|
Ski Equipment must be owned by the Insured Person to qualify for Winter Sports benefit payout
All Golf Equipment must belong, on loan, or entrusted to the Insured Person, and not hired or rented for payout under Golf Cover
- Pre-existing conditions
- Travelling when medically unfit/ Travelling against Medical Practitioner’s advice
- Complication of pregnancy, childbirth, miscarriage (except miscarriage due to Bodily Injury) or abortion
- Intoxication by alcohol or drugs not prescribed by a Physician
- Any condition, which is or results from or is a complication of infection with Human Deficiency Syndrome (‘HIV’)
- Declared or undeclared war or any act of war, invasion, foreign enemy, civil war, rebellion, revolution, insurrection, military or usurped power
- Travelling against advice of regulatory authorities/ Travelling to a country at war
- Claims covered by other insurance
- Items taken/ destructed by customs or other officials
- Loss, destruction or damage to any property arising from or any consequential loss directly or indirectly caused or contributed by or arising from ionizing radiations or contamination by radio activity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel
The full list of exclusions is available in the policy wording.
Types of plans
American Express My VoyageGuard offers you three choices with its Essential, Standard and Superior plans. Each plan is offered for Single Trip or Annual Coverage. For more details, please read the full list of benefits and exclusions in the policy wording.
|Plan Type||Cancellation||Medical Coverage (Overseas)||Bags/Belongings|
Add-ons/ Optional Cover: (1) Winter Sports, (2) Golf
The Essential plan stands out for featuring decent coverage for trip cancellation and baggage delay, as well as competitive medical coverage: Trip Cancellation benefit is capped at S$5,000; Baggage Delay of S$200 for every six hours of delay overseas capped at S$800 and Emergency Medical Evacuation capped at S$500,000.
Loss of frequent flyer points benefit is capped at S$5,000. Do note that Lifestyle cover (Home Guard, Rental Vehicle Excess, Rental Vehicle Return and Pet Cover) is not available for the Essential Plan.
Standard Plan features competitive coverage for trip cancellation and medical benefits: Trip Cancellation capped at S$10,000; Baggage Delay of S$200 for every six hours of delay overseas capped at S$1,200 and a S$1 million benefit limit for Emergency Medical Evacuation and Repatriation. Loss of frequent flyer points benefit is capped at S$10,000. Lifestyle Cover (Home Guard, Rental Vehicle Excess, Rental Vehicle Return and Pet Cover) also applies for the Standard Plan.
Superior Plan sports Trip Cancellation coverage capped at S$20,000; Baggage Delay of S$200 for every six hours of delay capped at S$2,400 and no cap for Emergency Medical Evacuation and Repatriation. Loss of frequent flyer points benefit is capped at S$20,000. Lastly, there is provision of Lifestyle Cover (Home Guard, Rental Vehicle Excess, Rental Vehicle Return and Pet Cover) as well.
We look at prices across various plans (basic/mid-tier/top shelf) for both Single Trips and Annual Trips. American Express My VoyageGuard might not be the cheapest in the market but it compensates with above industry average coverage for the premiums paid. These include coverage for loss of frequent flyer points, high overseas medical coverage, and terrorism cover.
We recommend American Express My VoyageGuard for air miles redemption travellers as well as for individuals who want more comprehensive coverage!
|Trip Type||American Express My VoyageGuard Essential Plan||Industry Basic Plan Average|
|1 week ASEAN||S$24||S$26|
|1 week Asia||S$30||S$32|
|1 week Worldwide||S$55||S$46|
|Trip Type||American Express My VoyageGuard Standard Plan||Industry Mid-Tier Plan Average|
|1 week ASEAN||S$38||S$33|
|1 week Asia||S$41||S$41|
|1 week Worldwide||S$68||S$59|
|Trip Type||American Express My VoyageGuard Superior Plan||Industry Top-Shelf Plan Average|
|1 week ASEAN||S$48||S$47|
|1 week Asia||S$62||S$58|
|1 week Worldwide||S$92||S$80|
How to make a claim
You can make a claim via Chubb’s online claims centre here. Alternatively, you can send an email to firstname.lastname@example.org for further clarification.
Protected up to specified limits by SDIC.
Note: This is only product information provided. You may wish to seek advice from a qualified adviser before buying the product. If you choose not to seek advice from a qualified adviser, you should consider whether the product is suitable for you. Buying an insurance product that are not suitable for you may impact your ability to finance your future healthcare needs.
If you decide that the policy is not suitable after purchasing the policy, you may terminate the policy in accordance with the free-look provision, if any, and the insurer may recover from you any expense incurred by the insurer in underwriting the policy.
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