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Important Legal Notice

Please read this information carefully. Your use of this website is confirmation that you have understood and agreed to be bound by all of these terms and conditions.

Applicable law

This website is established by is a brand of AMA Assistance GmbH .In the absence of an agreement to the contrary, this website is governed by laws of Austria.


While uses reasonable efforts to ensure that the information contained on its website is current, accurate and complete at the date of publication, no representations or warranties are made (express or implied) as to the reliability, accuracy or completeness of such information. amatravelinsurance therefore cannot be held liable for any loss arising directly or indirectly from the use of, or any action taken in reliance on, any information appearing on this website. In addition, no warranty is given as to the freedom of this website from errors, defects, viruses or other malicious programs or macros. reserves the right to suspend or withdraw access to the pages of this site without notice at any time and accepts no responsibility for these pages not being available at all times.


The pages of this site are for information on general insurance services only and do not constitute a financial recommendation. More details and full terms and conditions on all our products are available on request.

Copyright Notice

Save where otherwise specified the contents of all the pages contained in the web site are the property of Reproduction (save for an electronically stored transient copy for the sole and exclusive purpose of personal on-line viewing) of all or part of these pages in any form is strictly prohibited.
Subject to all copyright and other proprietary notices being observed and retained, individual sections of the website may be downloaded or printed solely for personal use and information. It is not permitted to reproduce (in whole or in part), modify, decompile, disassemble or transmit or use for any commercial purpose whatsoever any information from this website without receiving the prior written consent of


Please note that there is no guarantee that any e-mail sent will be received by us, or that the contents of any such e-mail will remain private during Internet transmission. If you have any such concerns, you may prefer to telephone or write to us instead.


Access to and use of the website is at the user's own risk and we do not warrant that the use of this web site or any material downloaded from it will not cause damage to any property, including but not limited to loss of data or computer virus infection.

Transaction Fees

The transaction is the fee charged to your credit card for making purchases overseas, and is generally between 2-3 (as per bank standard) percent of the amount of each purchase you make. For example, if you make $1,000 worth of purchases while traveling outside of the U.S. on a credit card that has a foreign transaction fee of 3 percent, you will be charged a $30 fee. This can add up to a lot overtime, so it may be worth applying for a credit card that does not have a foreign transaction fee before going on a long trip abroad, or if you travel frequently.
The credit card transaction fee is generally the combination of a fee that your network (e.g. MasterCard, VISA) charges to handle the transaction between the overseas merchant and your credit card issuer, and a fee that your credit card issuer (e.g. Bank of America, Citi) charges on top of that.
It is important to remember that you do not actually have to leave American soil to be charged a transaction fee. Any time you make a purchase online that is processed through an overseas merchant, you will be charged this fee. If the prices on a website are quoted in a foreign currency, this is a good indication that you are transacting with an overseas merchant.
Another possible expense you should be aware of while using your credit card overseas is a fee from Dynamic Currency Conversion. This happens when an overseas merchant offers to convert your credit card transaction from the local currency into U.S. dollars. While it may sound tempting to see your transaction in a currency that you are familiar with, you should always refuse this offer. Many merchants will charge exorbitantly high exchange rates, as high as 7 percent, to do the conversion and pocket the difference as a fee.
Lastly, you should always call your credit card company before using your credit card to make purchases abroad so that they do not become suspicious of charges made outside the country and suspend your account.


This travel insurance is provided to you by All Seasons Underwriting Insurance Brokers Limited (ASUIA) and underwritten by Certain Underwriters at Lloyd’s. ASUIA is authorised by the Insurance Companies Control Service of Cyprus No: F.O.S. 23 – 3333 and subject to limited regulation by the Financial Conduct Authority in the UK No: 587072.

ASUIA Contact Details:
Peek House. 1st Floor, 20 Eastcheap,
London. EC3M 1EB
Tel: +44 (0) 207 481 2399
© AMA Travel Insurance. All Rights Reserved.
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