No trip cancellation cover. This benefit is not included with this card. Prepaid flights, hotels, and tours are not reimbursable if you cancel, and a standalone travel insurance policy is required to replace it.
David Jones Amex travel insurance: what cover is left after the Latitude switch?
David Jones·A$295/year·American Express
0,0/5Independent review · verified August 2026
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Our Verdict · Travel Insurance
Our take on travel insurance for the David Jones American Express Platinum Card
Expert review · Pauline LauroreAuthor of HelloSafe's card insurance reviews
No travel cover. Not anymore. The David Jones American Express Platinum Card was retired, and every account moved to a Latitude Mastercard on 13 July 2024. So, you dig out the old card for a trip to Bali and assume the Chubb travel insurance still has your back. It doesn't. The complimentary cover only ever applied to trips charged before the transition date, and you cannot charge anything to a card that no longer runs. Medicare pays nothing overseas, so a hospital admission in Southeast Asia, easily $50,000 to $200,000, sits entirely on you. If you still hold David Jones Amex travel insurance in your mind as a safety net, treat it as gone and line up a standalone policy before you fly.
What works on travel
- Legacy cover honoured: eligible purchases charged before 13 July 2024 can still be claimed through the Chubb Claim Centre
- Clear successor: balances and any ongoing cover moved to a Latitude Mastercard with its own separate terms
Where travel breaks down
- No travel insurance today: the card is closed, so there is no active overseas medical, cancellation or baggage cover
- Nothing to activate: the old spend-to-activate cover cannot switch on because the card no longer processes purchases
- Medicare gap overseas: a serious hospital admission abroad can run $50,000 to $200,000 with no card cover behind you
Our methodology
Every score is derived from official bank documents: terms and conditions, benefit guides, and claim procedures. No commercial relationship influences our ratings.
Travel Insurance · 20 guarantees
What does David Jones American Express Platinum Card Travel Insurance actually cover?
No overseas emergency medical cover. This benefit is not included with this card. All medical costs overseas are the cardholder's responsibility, and since Medicare does not cover you outside Australia, a serious hospital admission can run $50,000 to $200,000.
No emergency evacuation cover. This benefit is not included with this card. Emergency evacuation costs are entirely the cardholder's responsibility, and an air ambulance from Southeast Asia to Australia runs $60,000 to $100,000.
No emergency dental cover. This benefit is not included with this card. Emergency dental treatment overseas is out of pocket.
No hospital cash allowance. This benefit is not included with this card. A daily cash payment during an overseas hospital stay is not paid, so incidental costs during admission fall to you.
No additional expenses cover. This benefit is not included with this card. Costs from a trip cut short, such as return flights and unused hotels, are out of pocket.
No travel delay cover. This benefit is not included with this card. Meals, accommodation, and transport during a delay are the cardholder's responsibility.
No missed connection cover. This benefit is not included with this card. The cost of alternative transport to catch up with a booked itinerary is out of pocket.
No early return cover. This benefit is not included with this card. The cost to fly home and resume a trip after a family emergency is out of pocket.
No luggage delay cover. This benefit is not included with this card. Purchases of essential items during a bag delay are out of pocket.
No luggage cover. This benefit is not included with this card. Replacement costs for lost or stolen bags are the cardholder's responsibility.
No travel documents cover. This benefit is not included with this card. Replacing a stolen passport or covering fraudulent card use overseas is out of pocket.
No personal liability cover. This benefit is not included with this card. Legal liability for injury to others or property damage overseas is uninsured, and claims commonly reach hundreds of thousands of dollars.
No accidental death benefit. This benefit is not included with this card. No lump sum is paid to your family for an accidental death while travelling.
No loss of income benefit. This benefit is not included with this card. Income lost while you recover from an overseas injury is not replaced.
No domestic cancellation cover. This benefit is not included with this card. Prepaid interstate flights and accommodation are not reimbursable if you cancel.
No domestic flight delay cover. This benefit is not included with this card. Meals and accommodation during an interstate flight delay are the cardholder's responsibility.
No domestic additional expenses cover. This benefit is not included with this card. Extra travel and accommodation costs on an interstate trip are out of pocket.
No domestic luggage cover. This benefit is not included with this card. Lost or damaged luggage on an interstate trip is not reimbursable.
No domestic luggage delay cover. This benefit is not included with this card. Essential purchases during an interstate luggage delay are out of pocket.
We source benefits from official card guides, but PDFs are sometimes hard to obtain or update. Spotted something off?
Coverage Radar
Where the David Jones American Express Platinum Card wins, where it loses
Coverage snapshot for this tab — click any layer to highlight its scores.
Trip cancellation: not covered by this card
Medical fees abroad: not covered by this card
Medical repatriation: not covered by this card
Compare
American Express Platinum CardThis card0.0/5?
A$295/yrWith travel insuranceIdeal
Complete coverage · 5.0 / 5Premium card avg.
A$240 avg. annual feeClick a layer to highlight its scores on the radar.
Side-by-side comparison
How the David Jones American Express Platinum Card stacks up against the alternatives
Same 5 coverage dimensions, ranked head-to-head against the cards most American Express Platinum Card shoppers also consider.
| Card | This card American Express Platinum Card David Jones · A$295/yr 0.0/5? | Amplify Signature Bank of Melbourne · A$295/yr 4.3/5? | Amplify Qantas Signature Bank of Melbourne · A$370/yr 4.3/5? | |
|---|---|---|---|---|
Trip cancellation Per person, per trip cap | Not covered Cover this gap → | Unlimited Unlimited | Unlimited Unlimited | |
Emergency medical Hospital bills abroad | Not covered Cover this gap → | Unlimited Unlimited | Unlimited Unlimited | |
Emergency evacuation Air ambulance + repatriation | Not covered Cover this gap → | Unlimited Unlimited evacuation | Unlimited Unlimited evacuation | |
Trip delay trigger Hours before benefits kick in | Not covered Cover this gap → | 6h / $1,100 Trigger: 6 hours | 6h / $1,100 Trigger: 6 hours | |
Trip interruption Covered amount | Not covered Cover this gap → | Unlimited Extra travel & accommodation | Unlimited Extra travel & accommodation |
StrongLimited / misleadingNot covered
Data verified against each card's Guide to Benefits, May 2026.
Cardholder reviews
What cardholders say about the David Jones American Express Platinum Card
Real experiences from ProductReview.com.au, before the card was retired 7 reviews
J(
Joseph (ProductReview)
Great if you enjoy shopping at David Jones
The airport lounge access each year and the David Jones perks made the annual fee worthwhile, even though the reward rate was not the best compared with other Amex cards and a few online features were missing.
A(
Asim (ProductReview)
Poor customer service from American Express
They cancelled my Platinum card without sending me the problematic card first, and getting through to customer service to sort it out was a real struggle.
C(
Caroline (ProductReview)
Disappointing after 26 years
Loyal for 26 years and having spent over $500,000, I found the service the most disappointing ever, with little empathy from the overseas call centres when I was in hardship.
Emergency · Card assistance line
How to contact David Jones American Express Platinum Card assistance?
Legacy claims (Australia)
+61 2 9335 3492
Business hours
Overseas legacy claims (reverse charge)
+61 2 9335 3492
Reverse charge accepted · 24/7
Benefit administrator: Chubb Insurance Australia (legacy pre-transition claims) for American Express
Claims & pre-authorizations
How to make a David Jones Amex Platinum Card claim
1
Step 1: Check the purchase date against the 13 July 2024 transition
Complimentary cover only ever applied to eligible purchases charged before the transition date. Anything on or after that date runs under the Latitude Mastercard program, not this card.
2
Step 2: Contact the Chubb Claim Centre for American Express
For an eligible pre-transition claim, call the Chubb Claim Centre on +61 2 9335 3492. Have the old card product name and the transaction details ready.
3
Step 3: Gather proof the item was charged to the David Jones Amex card
You will need your statement of account, receipts, and any supporting documents showing the eligible purchase. For anything bought on or after 13 July 2024, lodge with the Latitude program instead.
FAQ
What people ask about the David Jones American Express Platinum Card
- You cannot. The David Jones American Express Platinum Card was discontinued and all accounts moved to a Latitude Mastercard on 13 July 2024, so there is no complimentary travel insurance to activate on this card anymore. When the card was active, cover switched on only after you charged your return fare or trip costs to it, but the card no longer processes purchases. Any eligible purchase charged before the transition date is still covered under the old Chubb policy. For cover on new travel, you now need either the Latitude Mastercard's own insurance or a standalone travel insurance policy.
- No one, for any new trip. Because the card was retired and migrated to a Latitude Mastercard on 13 July 2024, there is no active complimentary insurance and therefore no covered travellers on this card. While it ran, cover typically extended to the cardholder and accompanying family when the trip was charged to the card. That only matters now for eligible purchases made before the transition date, which remain claimable under the old policy. For current cover, check who the Latitude Mastercard policy protects, or take out a standalone policy.
- It does not work anymore. The rental vehicle excess benefit ended when the David Jones American Express Platinum Card was withdrawn and accounts moved to Latitude on 13 July 2024. Excess (the amount a hire company charges you towards damage or theft) is now entirely your responsibility on this card, whether the hire is in Australia or overseas. A rental excess claim commonly runs $2,000 to $8,000. If you hire cars often, a standalone rental excess policy covers the excess from a few dollars a day.
- You can only claim for eligible purchases charged before the 13 July 2024 transition date. For those legacy claims, call the Chubb Claim Centre for American Express on +61 2 9335 3492 and have your statement of account and receipts ready. Anything bought on or after the transition date sits with the Latitude Mastercard program, not this card. There is no complimentary cover on this card for new travel or purchases. If your claim relates to a current trip, you will need the Latitude policy or a standalone insurer.
- Everything, in practical terms, because the card no longer carries complimentary insurance. There is no overseas emergency medical cover, no trip cancellation, no rental vehicle excess, no purchase protection, and no extended warranty on this card today. The only thing still covered is an eligible purchase charged before the 13 July 2024 transition, which runs under the old Chubb policy. Medicare pays nothing overseas, so an overseas hospital bill of $50,000 to $200,000 would be entirely yours. Anyone relying on this card for travel needs a standalone policy instead.
- No. The David Jones American Express Platinum Card does not include mobile phone insurance, and since the card was retired in July 2024 it carries no complimentary cover at all. Theft, loss, or a cracked screen on your phone is not reimbursable through this card. A flagship screen repair typically costs $200 to $600, and a full replacement $1,200 to $2,300. If phone cover matters to you, look at a dedicated gadget or mobile insurance policy, or check whether your current card offers it.
- No. With no active travel insurance on the card, there is no cover for skiing, snowboarding, or any snow-sport injury, on-piste or off-piste. A medical evacuation off a mountain overseas can run tens of thousands of dollars, and that would be entirely your cost. When the card was active, snow cover would have depended on the old Chubb policy terms, but that only applies to trips charged before the 13 July 2024 transition. For a ski trip now, a dedicated snow travel policy is the safe option.
- Yes, without question. The card no longer provides complimentary travel insurance, so you are travelling uninsured on it unless you arrange your own cover. Overseas medical is the big one: Medicare covers nothing outside Australia, and a serious admission can cost $50,000 to $200,000. A standalone travel insurance policy covers medical, cancellation, luggage, and rental excess in one place, often from a modest premium for a short trip. Treat any memory of this card's old cover as gone and book a policy before you travel.
Not just David Jones
Other cards worth considering
American Express Platinum Card is a strong choice — but depending on what you prioritize, one of these may suit you better.
Amplify Signature
Bank of Melbourne
Amplify Qantas Signature
Bank of Melbourne
Amplify Qantas Platinum
Bank of Melbourne
Amplify Platinum
Bank of Melbourne
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