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Trip Cancellation and Interruption Insurance ¹

Below you will find the Guide to Benefits of your respective card to learn more about what Trip Cancellation and Interruption Insurance covers. Trip Cancellation and Interruption Insurance is effective for round-trip purchases made entirely with your eligible Card and protects against Covered Losses (e.g. Sickness or Injury of the traveler or traveling companion). If your Card is not listed on this page or if you are an Additional Card Member, please call the number on the back of your Card to verify your benefits.

Centurion® Card from American Express

The platinum card®, corporate platinum card®, the american express platinum card® for schwab, the platinum card® from american express for goldman sachs, the platinum card® from american express for morgan stanley, delta skymiles® reserve credit card, hilton honors american express aspire card, marriott bonvoy brilliant™ american express® card, business centurion® card from american express, business platinum card®, delta skymiles® reserve for business credit card, the corporate centurion® card from american express.

¹ Coverage is provided by New Hampshire Insurance Company, an AIG Company, at no-additional-cost to the Card Member. Coverage is subject to certain terms, conditions, and limitations, including limitations on the amount of coverage.  This benefit provides secondary coverage.

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The Guide to American Express Travel Insurance

Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money .

Table of Contents

American Express travel insurance vs. coverage provided by AmEx cards

Complimentary travel insurance provided by amex cards, trip cancellation and interruption insurance, trip delay insurance, car rental loss and damage insurance, baggage insurance, premium global assist, global assist hotline, standalone american express travel insurance plans, should you use the complimentary benefits or purchase a policy, amex travel insurance recapped.

American Express has two different types of travel insurance offerings: standalone travel insurance plans that customers can purchase and travel insurance that is included as a complimentary benefit on certain cards. 

So if you’re thinking about getting travel insurance before a trip, get familiar with American Express travel insurance benefits that are included on your credit cards. Knowing what protections you already have will prevent you from spending money on a separate policy with benefits that overlap.

A standalone travel insurance policy from American Express may offer more robust coverage, but depending on your needs, the travel insurance perks provided by your AmEx card may be sufficient. 

If you primarily want specific coverage for cancellations, delays or rental cars and baggage, it’s likely your card will be enough.

If, however, you’re mainly concerned with emergency health coverage while traveling , you’re better off with a separate medical insurance policy because the benefits provided by credit cards are limited in those areas. You can purchase this from American Express directly or shop around other travel insurance companies .

» Learn more: How to find the best travel insurance

There are six travel insurance benefits offered on many American Express cards:

Trip cancellation and interruption insurance .

Trip delay insurance .

Car rental loss and damage insurance .

Baggage insurance plans .

Premium Global Assist Hotline .

Global Assist Hotline .

Here's a closer look at each.

Trip cancellation will protect you if you need to cancel your trip for a covered reason (more below), and you will be reimbursed for any nonrefundable amounts paid to a travel supplier with your AmEx card. Bookings made with Membership Reward Points are also eligible for reimbursement. Travel suppliers are generally defined as airlines, tour operators, cruise companies or other common carriers.

Trip interruption coverage applies if you experience a covered loss on your way to the point of departure or after departure. AmEx will reimburse you if you miss your flight or incur additional transportation expenses due to the interruption. American Express considers the following to be covered reasons:

Accidental injuries.

Illness (must have proof from doctor).

Inclement weather.

Change in military orders.

Terrorist acts.

Non-postponable jury duty or subpoena by a court.

An event occurring that makes the traveler’s home uninhabitable.

Quarantine imposed by a doctor for medical reasons.

There are many reasons that are specifically called out as not covered (e.g., preexisting conditions, war, self-harm, fraud and more), so we recommend checking the terms of your coverage carefully.

If you want a higher level of coverage for trip cancellation, consider purchasing cancel for any reason (CFAR) travel insurance . CFAR is an optional upgrade available on some standalone travel insurance plans. This supplementary benefit allows you to cancel a trip for any reason and get a partial refund of your nonrefundable deposit.

Alternately, if you want what essentially amounts to CFAR insurance on your flights specifically, purchase your fares through the AmEx Travel portal and tack on Trip Cancel Guard for an extra fee. Trip Cancel Guard guarantees you an up to 75% refund on nonrefundable airfare costs when you cancel at least two days before departure, regardless of why. This isn't as comprehensive as other CFAR policies, but it can add some peace of mind for people who want the cash back (as opposed to a travel credit) for flights they may not take.

AmEx cards with trip cancellation, interruption coverage

The following American Express credit cards offer trip cancellation and trip interruption coverage:

The Platinum Card® from American Express .

The Business Platinum Card® from American Express .

Centurion® Card from American Express.

Business Centurion® Card from American Express.

The Corporate Centurion® Card from American Express.

The Platinum Card® from American Express for Ameriprise Financial.

The American Express Platinum Card® for Schwab.

The Platinum Card® from American Express for Goldman Sachs.

The Platinum Card® from American Express for Morgan Stanley.

Corporate Platinum Card®

Delta SkyMiles® Reserve American Express Card .

Delta SkyMiles® Reserve Business American Express Card .

Hilton Honors American Express Aspire Card .

Marriott Bonvoy Brilliant® American Express® Card .

Terms apply.

Covered amount

The maximum reimbursed amount for the trip cancellation benefit is $10,000 per covered trip and $20,000 per year. The trip interruption benefit is also $10,000 per covered trip and $20,000 per year. Coverage is secondary and applies after your primary policy provides reimbursement. Claims must be filed within 60 days. To start a claim, call 844-933-0648.

This benefit will reimburse you for reasonable, additional expenses incurred if a trip is delayed by a certain number of hours. Examples of eligible expenses include meals, lodging, toiletries, medication and other charges that are deemed appropriate by American Express. It makes sense to use your judgment in terms of what will get approved based on your policy's fine print.

Acceptable delays include those that are caused by weather, terrorist actions, carrier equipment failure, or lost/stolen passports or travel documents. There are also plenty of exclusions, such as intentional acts by the traveler.

AmEx cards with trip delay insurance

The reimbursable amount depends on which card you hold, and you are allowed two claims per 12-month period. As expected, the more premium travel credit cards offer higher compensation for shorter delays. Trip delay insurance is offered on the following American Express credit cards:

When you decline the collision damage waiver offered by the car rental agency, you will be covered if the car is damaged or stolen through your AmEx Travel Insurance. Depending on the card you have, the coverage is $50,000 or $75,000.

» Learn more: How AmEx car rental insurance works

In addition, the cards offering car rental damage and theft insurance up to of $75,000 also provide secondary benefits:

Accidental death or dismemberment coverage.

Accidental injury coverage.

Car rental personal property coverage.

To qualify, you must decline the personal accident coverage and personal effects insurance provided by your car rental company.

The entire rental must be charged on the American Express credit card to receive coverage for car rental loss and damage. And keep in mind that you do still need liability insurance when making your rental car reservation (you may have this through your personal auto insurance policy), as these credit card-provided coverage options don't include personal liability.

AmEx cards with car rental coverage

American Express lists over 50 different cards on its site that come with one of the two forms of car rental insurance. Cards that link to the Tier 1 policies are the $50,000-coverage cards, and Tier 2 policies are the $75,000 cards.

The amount reimbursed is calculated as whichever is lowest:

The cost to repair the rental car.

The wholesale book value (minus salvage and depreciation).

The invoice purchase price (minus salvage and depreciation).

Here are some key exclusions to be aware of with this coverage:

These policies don't cover theft or damage that was caused by a driver’s illegal operation of the car, operation under the influence of drugs/alcohol or damage caused by any acts of war.

Policies don't cover drivers not named as "authorized drivers" on your rental agreement.

The benefit only covers car rentals up to 30 consecutive days.

Not all cars are included in the policy. Certain trucks, vans, limousines, motorcycles and campers are excluded from coverage.

Insurance protection doesn't apply in Australia, Italy, New Zealand and any country subject to U.S. sanctions .

You can file a claim online or call toll-free in the U.S. at 800-338-1670. From overseas, call collect 216-617-2500. Your claim must be filed within 30 days of the loss. Additionally, some benefits vary by state, so check the policy for your specific card.

» Learn more: The guide to AmEx Platinum’s rental car insurance

As an American Express cardholder, you are eligible to receive compensation if your luggage is lost or stolen. This benefit is in addition to what you may receive from the carrier. However, the AmEx policy is secondary, which means that it kicks in after the carrier provides any compensation for losses.

AmEx provides this insurance to "covered persons," who are defined as:

The cardmember.

Their spouse or domestic partner.

Their dependent children who are under 23 years old (there are age exceptions for handicap children).

Some business travelers (Tier 2 coverage only).

To qualify, all covered individuals need to be traveling on the same reservation and must be residents of the U.S., Puerto Rico or the U.S. Virgin Islands.

AmEx cards with baggage insurance

Naturally, the higher-end cards offer more protection — but even the basic cards have decent coverage. The compensation limits per person are as follows (note that the maximum payout per covered person for lost luggage is $3,000 on all of these cards).

Below are the limits for cardholders of the The Platinum Card® from American Express , The Business Platinum Card® from American Express , The American Express Platinum Card® for Schwab, The Platinum Card® from American Express for Goldman Sachs, The Platinum Card® from American Express for Morgan Stanley, Hilton Honors American Express Aspire Card , Marriott Bonvoy Brilliant™ American Express® Card, Centurion® Card from American Express and Business Centurion® Card from American Express:

Baggage in-transit to/from common carrier: $3,000.

Carry-on baggage: $3,000.

Checked luggage: $2,000.

Combined maximum: $3,000.

High-end items: $1,000.

And here are the coverage limits for cardholders of the American Express® Gold Card , American Express® Business Gold Card , American Express® Green Card , Business Green Rewards Card from American Express , Hilton Honors American Express Surpass® Card , Marriott Bonvoy™ American Express® Card, Marriott Bonvoy Business® American Express® Card , Delta SkyMiles® Reserve American Express Card , Delta SkyMiles® Reserve Business American Express Card , Delta SkyMiles® Platinum American Express Card , Delta SkyMiles® Platinum Business American Express Card , Delta SkyMiles® Gold American Express Card and Delta SkyMiles® Gold Business American Express Card , The Hilton Honors American Express Business Card :

Baggage in-transit to/from common carrier: $1,250.

Carry-on baggage: $1,250.

Checked luggage: $500.

High-end items: $250.

As of Jan. 1, 2020, the Hilton Honors American Express Card , The Amex EveryDay® Preferred Credit Card from American Express and The Blue Business® Plus Credit Card from American Express no longer offer baggage insurance protections.

AmEx also offers limited reimbursement for high-end items (coverage varies by card), such as:

Sports equipment.

Photography or electronic equipment.

Computers and audiovisual equipment.

Wearable technology.

Furs (including items made mostly of fur and those trimmed/lined with fur).

Items made fully or partially of gold, silver or platinum.

Claims must be filed within 30 days of your baggage loss. To file a claim, call 800-645-9700 from the U.S. or collect to 303-273-6498 if overseas. You can also file a claim online.

» Learn more: Compare travel insurance options: airline or credit card?

This benefit helps with events like replacing a lost passport, missing luggage assistance, emergency legal and medical referrals, and in some instances, emergency medical transportation assistance.

The service can also help you figure out important travel-related details like customs information, currency information, travel warnings, tourist office locations, foreign exchange rates, vaccine recommendations for the country you’re visiting, passport/visa requirements and weather forecasts.

AmEx cards with Premium Global Assist

Premium Global Assistance is offered on the following American Express credit cards:

Corporate Platinum Card®.

Marriott Bonvoy Brilliant™ American Express® Card.

Services provided by Premium Global Assist Hotline

The hotline isn’t so much a concierge as a service that provides logistical assistance, which can include the following:

General travel advice

Emergency translation if you need an interpreter to help with legal or medical documents (cost isn't covered).

Lost item search if your belongings are lost while traveling.

Missing luggage assistance if an airline loses your luggage. The hotline will contact your airline on a daily basis on your behalf to help locate your bags.

Passport/credit card assistance if your credit card or passport is lost or stolen.

Urgent message relay if you need to contact a family member and/or friend in the event of an emergency.

Medical assistance

Emergency medical transportation assistance if the cardmember or another covered family member traveling on the same itinerary gets sick or injured and needs medical treatment (there are many conditions for this coverage; review your policy’s fine print).

Physician referral if you need a doctor or dentist (cardmember is responsible for costs).

Repatriation of remains in the event of death.

Financial assistance

Emergency wire service to get help obtaining cash (fees will be reimbursed).

Emergency hotel check in/out if your card has been lost or stolen.

Legal assistance

Bail bond assistance if you need access to an agency that accepts AmEx (cardmember is responsible for paying bail bond fees).

Embassy and consulate referral if you need help finding or accessing local embassies.

English-speaking lawyer referral if you’re traveling and need a list of available attorneys (cardmember is responsible for any legal fees).

To use this benefit, call the Premium Global Assist Hotline toll-free at 800-345-AMEX (2639). You can also call collect at 715-343-7979.

The main difference between the Global Assist Hotline and the Premium version is that some of the services that are fully covered by Premium Global Assist aren't covered in the more basic version (cited examples include emergency medical transportation assistance and repatriation of mortal remains).

AmEx cards with Global Assist Hotline access

The Global Assist Hotline is available to holders of the following cards:

American Express® Gold Card .

American Express® Business Gold Card .

American Express® Green Card .

Business Green Rewards Card from American Express .

Delta SkyMiles® Platinum American Express Card .

Delta SkyMiles® Platinum Business American Express Card .

Delta SkyMiles® Gold American Express Card .

Delta SkyMiles® Gold Business American Express Card .

Delta SkyMiles® Blue American Express Card .

Hilton Honors American Express Surpass® Card .

Hilton Honors American Express Card .

The Hilton Honors American Express Business Card .

Marriott Bonvoy™ American Express® Card.

Marriott Bonvoy Business® American Express® Card .

The Amex EveryDay® Preferred Credit Card from American Express .

Amex EveryDay® Credit Card .

Blue Cash Preferred® Card from American Express .

The American Express Blue Business Cash™ Card .

The Blue Business® Plus Credit Card from American Express .

You can call the Global Assist Hotline toll-free at 800-333-AMEX (2639), or collect at 715-343-7977.

If you don’t have any of the credit cards above and are thinking about purchasing a policy from American Express or just simply want to price compare to see if you get better perks by purchasing a policy, you can go to the AmEx travel insurance website and input your trip plans to build a quote. You’ll need to provide your departure and return date, state of residence, age of traveler, number of travelers covered by the policy and the trip cost per traveler. Then, you can select the option of choosing a package or building your own.

To see which plans are available, we input a sample $3,000, one-week trip by a 35-year-old from South Dakota. Our search result yielded four different plans ranging from $59 for a Basic plan to $208 for a Platinum plan.

Global medical protection (not included on AmEx cards)

Medical protection includes coverage for emergency healthcare and dental costs as well as medical evacuation and repatriation of remains . The limits increase as the plans become more expensive. Although AmEx cards offer an array of travel insurance benefits, medical coverage isn't included. So if medical protection benefits are important to you, a standalone travel insurance policy is what you’ll want to look for.

Travel accident protection (not included on AmEx cards)

Another benefit not included with AmEx cards is travel accident protection. This benefit provides coverage in case of death or dismemberment while traveling . Although this is a topic no one wants to think about, it's good to be familiar with this coverage. While travel accident protection isn’t offered on the Basic plan, all of the higher plans offer it.

Standalone policy benefits that are also included on AmEx cards

These elements of coverage are offered on the AmEx cards mentioned, although in some, the limits may be higher or lower.

Trip cancellation

The Basic plan only covers a trip up to $1,000, however, all the other plans cover 100% of the trip cost. To compare this with the perks included as a benefit on the cards, all AmEx cards that include trip cancellation coverage provide up to $10,000 per covered trip. Keep in mind that, all the cards included have annual fees and the card with the lowest fee is the Hilton Honors American Express Aspire Card , with a $550 annual fee. 

Trip interruption

Trip interruption coverage ranges from $1,000 on a Basic plan to 150% of trip cost on the Gold and Platinum plans. The trip interruption benefit offered by the AmEx cards is included on all the same cards that offer trip cancellation insurance, with the trip interruption limit capped at $10,000 per covered trip. 

Global baggage protection

If your luggage is lost or stolen this benefit will provide monetary compensation to reimburse you for your lost items. AmEx cards offer baggage coverage as a complimentary benefit, with the higher-end cards naturally providing higher limits. Interestingly, the cards with the lower annual fees (i.e. Hilton Honors American Express Surpass® Card , annual fee $150 ) have a high limit as well, offering a total combined limit for lost luggage of $3,000, which is higher than the coverage offered by the standalone Platinum plan.

Global trip delay

If your trip is delayed, you’re eligible for reimbursement of any necessary expenses incurred up to a specific limit. The Basic plan doesn’t offer this benefit, but all the other plans do, with the Platinum plan providing up to $300 per day (maximum of $1,000 per trip). This coverage is also included on the higher-end AmEx cards.

AmEx cards offer key travel insurance benefits: trip cancellation and interruption insurance, trip delay insurance, car rental loss and damage insurance, baggage insurance, Premium Global Assist Hotline (or Global Assist Hotline). However, they don't offer any sort of emergency medical coverage. This is pretty typical of travel credit cards, as the travel insurance perks they offer don't provide coverage for emergency health care costs.

If you’re looking for emergency medical coverage, you’ll need to purchase a separate policy, such as the standalone one offered by American Express. The other limits provided in the American Express travel insurance policy are comparable to what you get on the AmEx cards, so it makes sense to shop around to make sure that the benefits you’re paying for are sufficient for your needs.

» Learn more: What to know about American Express Platinum travel insurance

Yes, if you have one of the cards listed above. If you have a credit card that isn’t listed in this guide or the card is no longer available by American Express, call the number on the back of your card for more information. Generally, AmEx offers a number of travel insurance benefits on its credit cards that shouldn't be overlooked.

Yes, but it depends on which card you have. To qualify for reimbursement, the trip cancellation must be for a covered reason. Refer to the section "Trip Cancellation and Interruption Insurance" for a list of cards and explanations of covered reasons.

American Express offers a solid range of travel insurance protection across its credit cards, with the premium cards providing the most coverage. However, if you need insurance benefits with higher limits, we recommend purchasing a separate travel insurance policy . If you only need emergency medical coverage , there are policies that provide that as well.

Call the number on the back of your card to ask for guidance. Some benefits may require authorization from American Express before coverage kicks in, so make sure you follow all the correct steps for reimbursement.

Refer to the AmEx credit card policy for the specific benefit because it will include instructions for submitting a claim. If you cannot find the policy, you should call the customer service number on the back of your American Express card for more assistance.

American Express offers a solid range of travel insurance protection across its credit cards, with the premium cards providing the most coverage. However, if you need insurance benefits with higher limits, we recommend purchasing a

separate travel insurance policy

. If you only need

emergency medical coverage

, there are policies that provide that as well.

American Express travel insurance offers a wide array of benefits, especially on its premium cards. Knowing what benefits are available to you is important in the event of unforeseen circumstances. Determine whether an individual policy is a better fit for your risk tolerance than coverage that is included on an eligible card, then go from there.

All information about The Platinum Card® from American Express , Business Green Rewards Card from American Express , Delta SkyMiles® Reserve American Express Card , Delta SkyMiles® Platinum American Express Card , Delta SkyMiles® Gold American Express Card , Delta SkyMiles® Blue American Express Card , Amex EveryDay® Credit Card , Blue Cash Preferred® Card from American Express , Centurion® Card from American Express, Business Centurion® Card from American Express, The Corporate Centurion® Card from American Express, The American Express Platinum Card® for Schwab, The Platinum Card® from American Express for Goldman Sachs, The Platinum Card® from American Express for Morgan Stanley, The Corporate Platinum Card® and the Hilton Honors American Express Aspire Card has been collected independently by NerdWallet. The Platinum Card® from American Express, Business Green Rewards Card from American Express, Delta SkyMiles® Reserve American Express Card, Delta SkyMiles® Platinum American Express Card, Delta SkyMiles® Gold American Express Card, Delta SkyMiles® Blue American Express Card, Amex EveryDay® Credit Card, Blue Cash Preferred® Card from American Express, Centurion® Card from American Express, Business Centurion® Card from American Express, The Corporate Centurion® Card from American Express, The American Express Platinum Card® for Schwab, The Platinum Card® from American Express for Goldman Sachs, The Platinum Card® from American Express for Morgan Stanley, The Corporate Platinum Card® and the Hilton Honors American Express Aspire Card are no longer available through NerdWallet.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2023 , including those best for:

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

on Chase's website

1x-10x Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Ultimate Rewards®.

1x-5x Enjoy benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining and 2x on all other travel purchases, plus more.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®.

1x-2x Earn 2X points on Southwest® purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1X points on all other purchases.

75,000 Earn 75,000 bonus points after spending $3,000 on purchases in the first 3 months from account opening.

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• Key takeaways

How does American Express travel insurance work?

Complimentary amex travel insurance, our picks for american express cards with travel insurance, standalone american express travel insurance plans, should i use the complimentary benefits or purchase a standalone policy, how to file an amex travel insurance claim, amex travel insurance faqs.

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2023 Complete Guide to American Express Travel Insurance

KEY TAKEAWAYS

• American Express offers two main forms of travel insurance: complimentary benefits for cardholders and standalone travel insurance policies .             
• Complimentary travel insurance benefits for eligible cardholders include coverage for trip cancellations and interruptions, car rental loss and damage, baggage insurance and more.
• The top cards that offer Amex travel insurance are the Platinum Card® from American Express , the American Express® Gold Card , and the Blue Cash Preferred® Card .
• You can also purchase standalone travel insurance from Amex with any major credit card. There are four types of policies: basic, silver, gold and platinum.
• Depending on the type of coverage you select, you may be eligible for medical protection, travel accident protection, baggage protection and reimbursement for trip cancellation.
• Cancel for any reason (CFAR) insurance is not included , and medical coverage tends to be low unless you purchase a premium package. If you need additional coverage, you can compare quotes from other travel insurance providers .

American Express offers a variety of travel-related benefits. If you have an Amex card , you may already have access to numerous travel perks, such as trip cancellation and baggage insurance. You can also purchase standalone coverage from Amex for more comprehensive protection.

We created this guide to help you determine if you should rely on free travel insurance from American Express or purchase a standalone insurance policy before your next business or leisure trip.

We’ll cover:

• How Amex travel insurance works
• Complementary Amex travel insurance
• Standalone Amex travel insurance plans
• If the complementary insurance is enough, or if you need to purchase a plan
• How to file a claim

Featured American Express offers

The platinum card® from american express.

The Business Platinum Card® from American Express

American Express® Gold Card

American Express offers two forms of travel insurance:

• Travel insurance as a complimentary benefit for certain cards
• Standalone travel insurance packages that you can purchase

While the complimentary Amex travel insurance perks may be enough for your trip, you should consider purchasing a standalone policy if you want more comprehensive coverage that includes medical insurance .

If you’re not an American Express cardholder, you can purchase one of four standalone travel insurance packages using any major credit card.

All four standalone travel insurance packages include:

• 24/7 travel assistance
• Baggage protection
• Medical coverage
• Trip interruption and trip cancellation coverage

The high-end packages also include travel accident protection and coverage for global trip delays.

Many American Express credit card comes with six types of complimentary travel insurance:

Trip cancellation and interruption insurance

Trip delay insurance, car rental loss and damage insurance, baggage insurance, premium global assist, global assist.

Let’s dive more into each of these types of travel insurance and what they cover.

American Express offers 13 credit cards with complimentary trip cancellation and trip interruption insurance.

If you need to cancel your trip for a covered reason, American Express will reimburse you for any nonrefundable expenses paid to an airline, hotel or other travel supplier using your Amex card.

Here’s how it works. Imagine you used your American Express Platinum Card to book a $10,000 vacation to the Bahamas. Included in the $10,000 total was a $1,000 nonrefundable deposit. If you have to cancel your trip due to a medical condition, American Express will reimburse you $9,000 — the original cost of your trip, less the $1,000 nonrefundable deposit.

If your trip is interrupted for a covered reason, American Express will reimburse you for:

• The pre-paid, non-refundable land, air and sea transportation arrangements that you missed
• Additional transportation expenses for you to rejoin your common carrier or return home

The following are considered American Express covered reasons:

• Accidental bodily injury or sickness (must provide proof from a physician)
• Inclement weather
• Change in military orders
• Terrorist action or hijacking
• Call to jury duty or subpoena by the courts (and unable to postpone or waive)
• You’re home becoming uninhabitable
• Quarantine ordered by a physician for health reasons

The trip coverage does have some limitations, including:

It doesn’t cover cancellations or interruptions caused by a pre-existing condition.

This is an illness or injury that began in the 60 days prior to your purchase of a covered trip. That means if you purchased your trip to the Bahamas on April 1, you wouldn’t be eligible for reimbursement if you had to cancel due to a medical condition that developed between January 31 and April 1.

Additional transportation expenses can’t cost more than an economy-class airline ticket by the most direct route.

Amex won’t cover business class tickets for you to return home or join your common carrier. In travel lingo, a common carrier is a transportation provider that offers its services to the general public.

Additional expenses to purchase new tickets can’t exceed the difference between your original fare and the economy fare for your rescheduled trip.

American Express checks the most direct route to determine how much to refund. For example, if your original ticket cost $500 and an economy ticket for your new departure date costs $750, you’ll receive the $250 difference. Amex doesn’t refund the entire ticket price.

Amex travel insurance only covers $10,000 per trip and $20,000 per eligible credit card per 12-month period.

This applies to trip cancellations and trip interruptions.

American Express won’t refund any expenses covered by other travel suppliers.

This includes refunds, vouchers, credits, goodwill payments or other benefits provided by airlines, cruise lines, tour companies and other travel providers. For example, if you have to miss a theater performance due to a trip interruption, American Express won’t cover the cost of the tickets if the theater gives you a full refund.

American Express offers 20 cards with free trip delay insurance , from the Amex Platinum Card to the Delta SkyMiles Reserve Card. 

This type of travel insurance covers trip delays due to:

• lost or stolen travel documents
• terrorist activity
• inclement weather
• equipment failure

For example, if your flight is canceled due to a mechanical problem with the aircraft, you may be eligible for reimbursement under trip delay insurance.

American Express has more than 50 cards with complimentary car rental loss and damage insurance. This type of insurance covers vehicle damage or theft of a vehicle from a covered territory.

If your rental car is damaged, Amex will pay the lowest amount of the following:

• The invoice price of the vehicle, minus reasonable depreciation and salvage costs
• The wholesale book value of the vehicle, minus reasonable depreciation and salvage costs
• The actual cost to repair the vehicle

For example, if the rental company purchased your vehicle for $25,000, the vehicle is worth $18,500 today and it will cost $7,500 to repair the vehicle, your insurance will pay $7,500 since it’s the lowest amount.

To activate this type of insurance, you must reserve and pay for your rental with an eligible Amex credit card, such as the Platinum Card or Cash Magnet Card.

You must also decline these optional coverages at the car rental counter:

• Personal property coverage
• Personal accident insurance
• Full collision damage waiver
• Similar insurance coverage

Finally, you must sign the rental agreement as the person responsible for taking control of the vehicle . Therefore, you can’t use your rental loss and damage insurance on a vehicle rented by your spouse, parent, child, sibling or friend, even if you have a Platinum card or other eligible credit card.

American Express has more than 40 cards with baggage insurance benefits, including the Amex Gold Card and the American Express Executive Business Card.

Amex covers lost and damaged bags under the following circumstances:

• The loss or damage occurs while in direct transit to or from the carrier’s terminal (carry-on bags only).
• The loss or damage occurs while you’re at the carrier’s terminal (carry-on bags only).
• The loss or damage occurs while traveling in a carrier’s vehicle (carry-on bags and checked bags).

Amex has different coverage limits for high-risk items, such as sporting equipment and jewelry, so make sure you understand what’s covered before you pack your bags.

If you have an American Express Card with Premium Global Assist, you’ll have access to a variety of travel assistance services any time you travel more than 100 miles from home.

These Premium Global Assist services include:

• Lost item search
• Missing baggage
• Passport replacement
• Emergency transportation
• Translation
• Card cancellation
• Embassy referrals
• Medical assistance
• Financial assistance
• Legal referrals
• Urgent message relay

The Premium Global Assistant service also helps with pre-trip research and planning. With this service, you can get information about customs requirements, foreign exchange rates, vaccination requirements, local weather, travel warnings and visa requirements.

Global Assist provides many of the same benefits as the Premium Global Assist coverage included with the Platinum card and other high-end Amex cards. The main difference is that Premium Global Assist provides better coverage for medical emergencies.

For example, Global Assist will not cover the cost of returning your minor child to their principal residence if you’re unable to continue traveling with them due to a covered illness or injury. If you have a Platinum Card with Premium Global Assist, you may get this protection.

Why We Like It

• Trip cancellation/interruption: $10,000 per covered trip or up to $20,000 in a 12-month period
• Trip delay: Up to $500 per trip for delays over 6 hours
• Car rental: Secondary
• Lost/damaged baggage coverage: Up to $2,000 per person for checked bags and $3,000 per person for carry-ons (up to $3,000 per person total)
• Global Assist: Yes, Premium*

* Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/​benefitsguide for more details. Underwritten by Amex Assurance Company.

• Global Assist: Premium
• Trip cancellation/interruption: N/A
• Trip delay: Up to $300 per trip for delays over 12 hours
• Lost/damaged baggage coverage: Up to $500 per person for checked bags and $1,250 per person for carry-ons (up to $$1,250 per person total)
• Global Assist: Yes

You don’t need to have a Platinum Card or another high-end American Express Card to get travel insurance. All you have to do is purchase a standalone plan with any major credit card.

The company offers four standalone insurance plans: Basic, Silver, Gold and Platinum.

Basic travel insurance plan

The basic plan is a good option if you want cheap travel insurance . While it includes various types of coverage, these levels tend to be low.

Basic plan benefits:

• Cancellation: Up to $1,000
• Trip interruption: Up to $1,000
• Global medical protection: Medical up to $5,000; dental up to $750; evacuation/repatriation up to $5,000
• Global luggage protection: Baggage loss up to $250; up to $100 for a delay of 24 hours or more
• 24-hour travel assistance

Silver travel insurance plan

With the silver plan, most coverage levels are much higher than with the basic plan. For example, trip cancellation will cover up to 100% of the total trip cost instead of up to just $1,000. 

However, medical coverage is still low compared to most travel insurance plans at just $25,000.

Silver plan benefits:

• Cancellation: Up to 100% of the trip cost
• Trip interruption: Up to 100% of the trip cost
• Global medical protection: Medical up to $25,000; dental up to $750; evacuation/repatriation up to $100,000
• Travel accident protection: $50,000 to $100,000, depending on circumstances
• Global luggage protection: Baggage loss up to $500; up to $300 for a delay of 6 hours or more
• Global delay: Up to $150 per day; limit of $500 per trip

Gold travel insurance plan

The gold plan is very similar to the silver plan. The main differences are the increases in medical evacuation limits, accident protection and baggage loss.

Gold plan benefits:

• Trip interruption: Up to 150% of the trip cost
• Global medical protection: Medical up to $25,000; dental up to $750; evacuation/repatriation up to $500,000
• Travel accident protection: $100,000 to $200,000, depending on circumstances
• Global luggage protection: Baggage loss up to $1,000; up to $300 for a delay of 6 hours or more
• Global delay: Up to $150 per day; limit of $750 per trip

Platinum travel insurance plan

This is the most comprehensive plan. It covers up to $100,000 for medical expenses, which is similar to other insurance providers. However, it still does not include cancel for any reason (CFAR) coverage .

Platinum plan benefits:

• Global medical protection: Medical up to $100,000; dental up to $750; evacuation/repatriation up to $1 million
• Travel accident protection: Up to $200,000
• Global luggage protection: Baggage loss up to $2,500; up to $500 for a delay of 3 hours or more
• Global delay: Up to $300 per day; limit of $1,000 per trip

For most people, the complimentary benefits available with the Platinum Card and other types of American Express travel credit cards are more than adequate.

However, the company doesn’t offer medical coverage with any of its free insurance benefits. If you have a chronic health condition, consider purchasing a standalone policy from Amex or another insurance provider.

You should also consider a standalone policy if you’re concerned about getting into an accident during your trip, as the free insurance options don’t include any kind of travel accident coverage.

Note: Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.

If you need to file a travel insurance claim, you must contact your benefits administrator.

Here’s what to do for each type of claim:

• Rental car coverage: Call (800) 338-1670 within 30 days of the covered event. You can also submit a claim online .
• Luggage: Call (800) 228-6855 within 30 days of the covered event. You can also submit a claim online .
• Delays, interruptions or cancellations: Call (844) 933-0648 within 60 days of the covered event.

Is American Express travel insurance worth it?

If you already have an American Express Card with complimentary travel insurance benefits, these perks are absolutely worth it since you pay nothing extra to access several types of insurance coverage.

Paying for a standalone Amex travel insurance plan may be worth it if you’re going on a long trip or a trip with multiple stops. These trips are more complex, so it’s more likely you’ll encounter a problem, making good insurance coverage essential.

However, Amex travel insurance is lacking when it comes to medical coverage and cancel for any reason (CFAR) insurance. For more comprehensive travel insurance that includes the types of protection, we recommend comparing travel insurance policies from other providers to find one that suits your needs.

Do I get travel insurance with my American Express card?

Each Amex credit card comes with some type of travel insurance. The amount of coverage depends on the type of credit card you have.

Do all American Express cards offer travel insurance?

Every Amex credit card comes with rental car loss and damage insurance. You may qualify for additional insurance benefits if you have the Platinum American Express Card or another high-end credit card from American Express.

In addition to travel insurance, some Amex credit cards come with additional travel benefits, such as airline credits or a fee credit for Global Entry or TSA Precheck membership.

Do I have to have an American Express credit card to get American Express travel insurance?

No. You can purchase an Amex travel insurance policy with any major credit card, including Visa, Mastercard and Discover .

Does American Express travel insurance cover COVID?

It depends on the circumstances. If you choose to travel after the government issues COVID-related travel restrictions, your travel insurance won’t cover any medical or quarantine costs related to COVID-19.

If you qualify for Amex insurance, it may cover the following:

• Your destination has new travel restrictions that were imposed after you’d already booked your trip.
• Your flight is canceled due to COVID-19.
• You develop a COVID-19 infection and can’t travel.
• Your origin country advises against nonessential travel after you’ve already booked your trip.

Does American Express travel insurance cover pre-existing conditions?

No, this type of travel insurance does not cover pre-existing conditions. These are medical conditions that develop within 60 days prior to booking your trip.

Leigh Morgan is a personal finance writer with 15 years of freelance experience. She specializes in topics like zero-based budgeting and emergency fund development. Before writing, she managed a real estate portfolio of rental properties worth $34 million.

In the last 5 years, she’s authored over 300 articles for credit unions, digital banks, and financial professionals. Morgan is also the author of “77 Tips for Preventing Elder Financial Abuse,” a book focused on helping caregivers protect the elderly from financial scams.

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Your complete guide to travel protections on American Express cards

Update: Some offers mentioned below are no longer available. View the current offers here .

Numerous American Express cards offer travel protections that can take the headache out of your vacations. However, the coverage you get (and the limits of said coverage) differ by card. Rather than trying to remember all of this on your own, we will guide you through the travel protections offered by American Express cards.

This guide provides a comprehensive, detailed look at the variety of travel protections offered across the American Express card portfolio. Each section outlines a type of coverage and the cards offering this coverage. We also include coverage limits as well as any additional caveats to keep in mind.

Here's what you need to know about American Express travel insurance coverage.

Trip delay insurance

Trip delay insurance covers you when you encounter travel delays. This could be a delayed flight for mechanical issues, or it could be an unexpected overnight due to a weather-related cancellation. Other reasons are covered, but individual policies vary in what they do and don't cover. If the reason for your delay is not specifically mentioned in your policy, assume that it's not covered.

With trip delay protection, there are two different "levels" of coverage, depending on the card you carry.

Level 1: Higher-end cards

Some of American Express' top products offer trip delay reimbursement of up to $500 per covered trip that is delayed for more than six hours, capped at two claims per eligible card per 12 consecutive months.*

This protection becomes effective when you purchase a ticket using any of the following cards:

• The Centurion® Card from American Express.**
• The Business Centurion® Card from American Express.**
• The Platinum Card® from American Express .
• The Platinum Card® from American Express for Ameriprise Financial.**
• The Platinum Card® from American Express for Schwab.**
• The Platinum Card® from American Express for Goldman Sachs.**
• The Platinum Card® from American Express for Morgan Stanley.**
• The Business Platinum Card® from American Express .
• Delta SkyMiles® Reserve American Express Card .
• Delta SkyMiles® Reserve Business American Express Card .
• Hilton Honors American Express Aspire Card .
• Marriott Bonvoy Brilliant® American Express® Card .
• The American Express Corporate Platinum Card®.**

**The information for these cards has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

Level 2: Mid-tier cards

Other American Express cards offer trip delay reimbursement of up to $300 per covered trip that is delayed for more than 12 hours, capped at two claims per 12 consecutive months.*

Here are the cards that include this protection when you use them to purchase your tickets:

• American Express® Gold Card .
• American Express® Green Card.
• American Express® Business Gold Card .
• Delta SkyMiles® Platinum American Express Card .
• Delta SkyMiles® Platinum Business American Express Card .
• Marriott Bonvoy Bevy™ American Express .

*Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for details. Policies are underwritten by New Hampshire Insurance Company, an AIG Company.

Trip cancellation and interruption insurance

This type of coverage is for situations in which your trip is canceled or interrupted (meaning you started the trip but must end it to return home), and as a result, you're forced to forfeit prepaid, nonrefundable reservations. Again, be sure that your specific reason is mentioned in your policy for it to be covered.*

All Amex cards with this benefit provide the same level of protection. If your trip is canceled or interrupted for a covered reason, you can receive a maximum of $10,000 per covered trip and a maximum of $20,000 per eligible card in a 12-month period.

Here are the cards that include this protection when you use them to purchase travel:

• Hilton Honors American Express Aspire Card .**
• The Corporate Platinum Card® from American Express.**
• The Corporate Centurion® Card from American Express.**

Global Assist Hotline

Eligible cardholders can rely on the Global Assist Hotline 24 hours a day, 7 days a week for medical, legal, financial or other select emergency services coordination and assistance while traveling more than 100 miles from home.*

Note that the Global Assist Hotline coordinates services but is not the service provider. Any third-party service costs may be your responsibility.

Here are the cards that include this protection when you use them to pay for your tickets:

• American Express® Cash Rebate Credit Card.**
• Blue for Business® Credit Card.**
• Blue Cash® from American Express.**
• Blue Sky from American Express®.**
• Blue Cash Everyday® Card from American Express .
• Blue Cash Preferred® Card from American Express .
• Business Green Rewards Card from American Express .**
• Clear from American Express®.**
• Delta SkyMiles® Blue American Express Card .
• Delta SkyMiles® Gold American Express Card .
• Delta SkyMiles® Gold Business American Express Card .
• Hilton Honors American Express Card .
• Hilton Honors American Express Surpass® Card .
• The Hilton Honors American Express Business Card .
• Marriott Bonvoy™ American Express® Card.**
• Marriott Bonvoy Bevy™ American Express® Card .
• Marriott Bonvoy Business® American Express® Card .
• The Plum Card® from American Express .
• The Blue Business® Plus Credit Card from American Express .
• The American Express Blue Business Cash™ Card .
• Amazon Business Card.**
• Amazon Business Prime Card.**
• Lowe's Business Rewards Card.**
• American Express® Corporate Gold Card.**
• Corporate Green Credit Card.**
• American Express Cash Magnet® Card .**
• The Amex EveryDay® Credit Card from Amerian Express.**
• The Amex EveryDay® Preferred Credit Card from American Express.**
• Blue from American Express®.**
• SimplyCash® Plus Business Credit Card.**
• SimplyCash® Business Card.**
• American Express® Platinum Credit Card.**
• American Express® Credit Card.**
• One from American Express®.**
• Zync from American Express®.**
• Schwab Investor Card® from American Express.**
• Morgan Stanley Credit Card from American Express.**
• Platinum Optima® Card.**
• Optima® Card.**
• Bluebird® American Express® Reloadable Prepaid Card.**
• Serve® American Express® Reloadable Prepaid Card.**
• The Corporate Platinum® Card from American Express.**
• American Express® Corporate Green Card.**
• Business Extra℠ Corporate Card.**
• American Express® Corporate Accenture Gold.**
• American Express® Corporate Meeting Card.**
• American Express® Corporate Defined Expense Program Card.**
• American Express® Corporate Purchasing Card.**
• Morgan Stanley Blue Cash Preferred® American Express Card.**

*Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for details. Cardmembers are responsible for the costs charged by third-party service providers.

Premium Global Assist Hotline

Similar to the benefit above, eligible cardholders for certain premium Amex cards can rely on the Global Assist Hotline 24/7 for medical, legal, financial or other select emergency services coordination and assistance services while traveling more than 100 miles from home. With the Premium benefit, emergency medical transportation assistance and related services may be provided at no cost.*

If approved and coordinated by the Premium Global Assist Hotline, emergency medical transportation assistance may be provided at no cost to you. Otherwise, third-party service costs may be your responsibility.

• The Platinum Card® from American Express for Morgan Stanley**

*Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for details. If approved and coordinated by Premium Global Assist Hotline, emergency medical transportation assistance may be provided at no cost. In any other circumstance, cardmembers are responsible for the costs charged by third-party service providers.

Baggage insurance plan

Baggage insurance applies to covered persons for eligible lost, damaged or stolen baggage during travel on a common carrier vehicle (such as a plane, train, ship or bus) when the entire fare for a ticket on the trip (one way or round trip) is charged to an eligible card.

With this coverage, there are two different "levels" of coverage, depending on the card you carry.

Some of American Express' top products offer baggage insurance coverage of up to $2,000 for checked baggage and up to a combined maximum of $3,000 for checked and carry-on baggage. This coverage is in excess of coverage provided by the common carrier. Coverage is subject to a $3,000 aggregate limit per covered trip.*

For New York state residents, there is a $2,000 per bag/per suitcase limit for each covered person, with a maximum of $10,000 aggregate for all covered persons per covered trip.*

Other American Express cards offer baggage insurance coverage of up to $1,250 for carry-on baggage and up to $500 for checked baggage. This coverage is in excess of coverage provided by the common carrier.*

For New York state residents, there is a maximum of $10,000 aggregate for all covered persons per covered trip.*

• American Express® Gold Card for Ameriprise Financial.**
• American Express® Corporate Accenture Gold Card.**
• American Express® Executive Business Card.**

*Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for details. Policies are underwritten by AMEX Assurance Company.

Car rental loss and damage insurance

Car rental loss and damage insurance applies to the theft of or damage to most rental vehicles when you use an eligible card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the rental car company. Note that this product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered, and geographic restrictions apply.

Some of American Express' top products offer car rental loss and damage insurance of up to $75,000 for theft of or damage to eligible rental vehicles.*

Here are the cards that include this protection when you use them to pay for eligible rentals:

• Centurion® Card from American Express.**
• Business Centurion® Card from American Express.**

Other American Express cards offer car rental loss and damage insurance of up to $50,000 for theft of or damage to eligible rental vehicles.*

• Amex EveryDay® Credit Card.**
• Amex EveryDay® Preferred Credit Card.**
• SimplyCash® Plus Business Card.**
• American Express® Business Purchase Account.**

*Eligibility and benefit level varies by card. Not all vehicle types or rentals are covered, and geographic restrictions apply. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for details. Policies are underwritten by AMEX Assurance Company. Coverage is offered through American Express Travel Related Services Company, Inc.

Bottom line

Understanding what benefits your card has to protect you when things go wrong during a trip can help reduce headaches. To that end, American Express provides multiple travel protections across many of its card products. Coverage limits within the same benefit can vary by which card you have, so consult your card's detailed benefits at americanexpress.com/benefitsguide for full details.

• Main content

Amex cards from the Platinum to the EveryDay Preferred now offer coverage for trip cancellation and more — here's everything you need to know

Our experts answer readers' credit card questions and write unbiased product reviews ( here's how we assess credit cards ). In some cases, we receive a commission from our partners ; however, our opinions are our own. Terms apply to offers listed on this page.

The information for the following product(s) has been collected independently by Business Insider: Hilton Honors American Express Aspire Card, American Express® Green Card, Amex EveryDay® Preferred Credit Card, Hilton Honors American Express Surpass® Card, The Plum Card® from American Express. The details for these products have not been reviewed or provided by the issuer.

• In January of 2020, American Express rolled out new trip cancellation and interruption benefits , as well as trip delay coverage, for some of its credit cards.
• You'll find these perks on cards including The Platinum Card® from American Express and The Business Platinum Card® from American Express.
• If you're eager to sign up for a travel credit card that offers travel insurance perks, make sure to compare each card's offerings, including coverage limits and the fine print.
• See Business Insider's list of the best travel credit cards.

While credit card insurance and travel protection coverage are usually considered secondary to rewards programs and other cardholder perks, these benefits can be equally important if you travel.

When you pay for a trip with a credit card that offers trip cancellation and interruption insurance, for example, you can get reimbursed for some of your travel expenses in the event your vacation is halted for reasons beyond your control. Meanwhile, trip delay insurance lets you apply for some reimbursement when a delay of your trip results in surprise expenses, such as an unplanned hotel stay near the airport when your flight is on hold.

Chase credit cards like the Chase Sapphire Reserve® and Chase Sapphire Preferred® Card have really stood out for years in terms of the protections they offer, and with some of the highest limits out there. Still, American Express is still coming around — it recently added trip cancellation and interruption insurance, along with trip delay coverage, to many of its top rewards credit cards. 

If you're in the market for an American Express card and you're hoping to take advantage of important travel benefits, consider the cards below and their expanded travel protections.

We're focused here on the rewards and perks that come with each card. These cards won't be worth it if you're paying interest or late fees. When using a credit card, it's important to pay your balance in full each month, make payments on time, and only spend what you can afford to pay. 

Trip cancellation and interruption insurance

New trip cancellation and interruption insurance from American Express credit cards will provide you with up to $10,000 in coverage (and up to $20,000 per account per year) you can use for reimbursement of prepaid travel expenses like airfare and hotels. This coverage can come in handy if your trip is canceled for a covered reason beyond your control, or you're stuck in your destination and require an extended stay and additional costs before you can return home.

Note that this coverage is good for round-trip travel booked with your credit card, meaning you have to pay for travel expenses with a common carrier with your American Express credit card in order to be eligible.

American Express cards that qualify for this coverage include:

• The Platinum Card® from American Express
• Delta SkyMiles® Reserve American Express Card
• Hilton Honors American Express Aspire Card
• Marriott Bonvoy Brilliant® American Express® Card
• The Business Platinum Card® from American Express
• Delta SkyMiles® Reserve Business American Express Card

Other versions of the Amex Platinum card — including the Goldman Sachs, Morgan Stanley, and corporate flavors —  also offer this coverage, as do all versions of the Amex Centurion (black) card , which is invite-only.

Trip delay insurance on Amex cards

In January of 2020, American Express also rolled out an upgraded trip delay insurance benefit for many of its top rewards credit cards. While this perk may seem like an unusual one, there are so many scenarios where trip delay coverage could help you save money and avoid surprise expenses when travel is delayed beyond your control. 

With trip delay coverage from Amex, you can be reimbursed for up to $500 per trip for hotel stays, meals, and other miscellaneous required expenses when your flight or other trip plans are delayed by more than six hours. If you're sitting at the airport and your flight is suddenly delayed until the next morning, for example, you could use this coverage to get reimbursed for a nearby airport hotel and your dinner, then for an Uber or Lyft ride back to the airport.

To qualify for American Express trip delay coverage, you need to pay for your round-trip travel expenses with a common carrier with your credit card.

Amex cards that come with trip delay coverage include:

• American Express® Gold Card
• American Express® Green Card
• Delta SkyMiles® Platinum American Express Card
• American Express® Business Gold Card
• Delta SkyMiles® Platinum Business American Express Card

Again, the various versions of the Amex Platinum and Amex Centurion cards also offer trip delay insurance.

Amex baggage insurance plan

Quite a few American Express credit cards also offer a baggage insurance plan, although this isn't a new or upgraded benefit from the card issuer. This coverage can come in handy if your luggage is lost or stolen during a covered trip. To be eligible for this coverage, you have to pay for travel with a common carrier (airfare, cruise fare, etc.) with your American Express credit card.

The amount of coverage you'll receive depends on the card you have. For example, baggage insurance from the The Platinum Card® from American Express offers up to $3,000 in coverage per person for carry-on luggage and up to $2,000 per person in coverage for some types of checked baggage.

With baggage insurance from the Amex EveryDay® Preferred Credit Card , on the other hand, you'll only qualify for up to $1,250 in coverage per person for carry-on luggage and up to $500 for covered checked baggage, although an extra benefit of $250 is offered for qualified "high risk items" like jewelry or sporting equipment. 

American Express cards that come with baggage insurance include:

• The Platinum Card® from American Express (including various versions)
• American Express® Gold Card (including various versions)
• American Express® Green Card (including various versions)
• Delta SkyMiles® Gold American Express Card
• Hilton Honors American Express Surpass® Card
• Amex EveryDay® Preferred Credit Card
• The Plum Card® from American Express

American Express business cards with baggage insurance include:

• The Blue Business® Plus Credit Card from American Express
• Delta SkyMiles® Gold Business American Express Card
• Marriott Bonvoy Business® American Express® Card
• The Hilton Honors American Express Business Card
• Lowe's Business Rewards Card from American Express
• Amazon Business Prime American Express Card
• Amazon Business American Express Card

Various versions of the Amex Centurion card and several Amex corporate cards also offer baggage insurance.

Car rental loss and damage insurance

Some American Express cards also offer secondary auto rental coverage, which means this coverage kicks in after other policies you have are exhausted, as opposed to primary car rental coverage .

While this benefit applies to many Amex cards, note that coverage limits can vary. With the Amex Gold card, for example, coverage is limited to $50,000 per rental agreement for damage or theft, yet the Amex Platinum card offers up to $75,000 in coverage. The insurance doesn't cover personal liability, either.

Also note that this coverage comes with a certain amount of Accidental Death or Dismemberment Coverage that varies by card. With , for example, you'll receive up to $200,000 in coverage per person and up to $300,000 in coverage per car accident for accidental death and dismemberment. Make sure to read your credit card's terms and conditions so you know exactly how much coverage you have. 

American Express cards that come with secondary auto rental coverage include:

• The Platinum Card® from American Express (including various versions)
• Delta SkyMiles® Blue American Express Card
• Hilton Honors American Express Card
• Marriott Bonvoy American Express® Card (no longer available to new applicants)
• Blue Cash Everyday® Card from American Express
• Blue Cash Preferred® Card from American Express
• Amex Everyday® Credit Card from American Express

And business cards from Amex that offer secondary car rental insurance include:

This isn't a complete list — for all Amex cards offering car rental insurance, see this page .

While American Express did offer travel accident insurance on some of its cards, this coverage was effectively dropped as of January 1, 2020. The same is true for the American Express Roadside Assistance Hotline, which is no longer available.

Still, American Express rewards and travel credit cards offer plenty of protection for consumers who pay for travel with a credit card. If you're on the verge of signing up for a new credit card, make sure to compare card options and all their perks before you decide. 

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• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Long list of travel benefits, including airport lounge access and complimentary elite status with Hilton and Marriott (enrollment required)
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• con icon Two crossed lines that form an 'X'. One of the highest annual fees among premium travel cards

If you want as many premium travel perks as possible, The Platinum Card® from American Express could be the right card for you. The annual fee is high, but you get a long list of benefits such as airport lounge access, travel statement credits, complimentary hotel elite status, and more.

• Earn 80,000 Membership Rewards® Points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum Card®, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.
• Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
• $200 Hotel Credit: Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings with American Express Travel when you pay with your Platinum Card®. The Hotel Collection requires a minimum two-night stay.
• $240 Digital Entertainment Credit: Get up to $20 back in statement credits each month on eligible purchases made with your Platinum Card® on one or more of the following: Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peacock, SiriusXM, and The Wall Street Journal. Enrollment required.
• $155 Walmart+ Credit: Cover the cost of a $12.95 monthly Walmart+ membership (subject to auto-renewal) with a statement credit after you pay for Walmart+ each month with your Platinum Card®. Cost includes $12.95 plus applicable local sales tax. Plus Up Benefits are excluded.
• $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Platinum Card®.
• $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only.
• $300 Equinox Credit: Get up to $300 back in statement credits per calendar year on an Equinox membership, or an Equinox club membership (subject to auto-renewal) when you pay with your Platinum Card®. Enrollment required. Visit https://platinum.equinox.com/ to enroll.
• $189 CLEAR® Plus Credit: Breeze through security with CLEAR Plus at 100+ airports, stadiums, and entertainment venues nationwide and get up to $189 back per calendar year on your Membership (subject to auto-renewal) when you use your Platinum Card®. Learn more.
• $100 Global Entry Credit: Receive either a $100 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 years for a TSA PreCheck® (through a TSA official enrollment provider) application fee, when charged to your Platinum Card®. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
• Shop Saks with Platinum: Get up to $100 in statement credits annually for purchases in Saks Fifth Avenue stores or at saks.com on your Platinum Card®. That's up to $50 in statement credits semi-annually. Enrollment required.
• $300 SoulCycle At-Home Bike Credit: Get a $300 statement credit for the purchase of a SoulCycle at-home bike with your Platinum Card®. An Equinox+ subscription is required to purchase a SoulCycle at-home bike and access SoulCycle content. Must charge full price of bike in one transaction. Shipping available in the contiguous U.S. only. Enrollment Required.
• Unlock access to exclusive reservations and special dining experiences with Global Dining Access by Resy when you add your Platinum Card® to your Resy profile.
• $695 annual fee.
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For rates and fees of The Platinum Card® from American Express, please click here.

Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Trip Delay Insurance, Trip Cancellation and Interruption Insurance, and Cell Phone Protection Underwritten by New Hampshire Insurance Company, an AIG Company. Global Assist Hotline Card Members are responsible for the costs charged by third-party service providers. If approved and coordinated by Premium Global Assist Hotline, emergency medical transportation assistance may be provided at no cost. In any other circumstance, Card Members may be responsible for the costs charged by third-party service providers. Extended Warranty, Purchase Protection, and Baggage Insurance Plan Underwritten by AMEX Assurance Company. Car Rental Loss & Damage Insurance Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.

Watch: Why the Chase Cards CEO is not worried about the hundreds of millions lost last quarter due to credit card rewards

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American Express Travel Insurance

Travel Insurance Plans from AMEX

American Express is one of the world’s oldest financial institutions . It offers the  public its famous credit cards and traveler’s checks. Many people don’t know that it also offers travel insurance that can be purchased independently. Their travel insurance is available in conjunction with other services for credit card members. It’s also available on its own! You don’t need to be a cardholder to carry American Express travel insurance or to benefit from its many excellent features. Even as a cardholder, you’ll likely want to supplement your included coverage with extra insurance for the greatest coverage and flexibility.

American Express, one of the best travel insurance companies , offers stand-alone travel insurance that is well respected for its easy-to-understand coverage and benefits.  The company offers a wide variety of plans and the only specialty program they are lacking is student-focused coverage . As with many companies, some American Express travel insurance plans require a medical questionnaire. However, a few travelers report that they find American Express policies on pre-existing conditions confusing. Make sure you understand what is and is not covered. As always, answer all questions accurately.

What can you expect from American Express travel insurance? No matter where you are from, you can depend on them for great service and coverage. But when it comes to the particulars of the program, it can vary by country. This is a global company, after all!

Here are two examples of how American Express travel insurance works, in the United States and Canada.

AmEx Travel Insurance – Coverage Options for United States Citizens

For American travelers, American Express travel insurance offers many options – but they’re not neatly categorized. Right off the bat, American travelers will notice something unique. They have the option of choosing between a number of pre-set packages or building their own insurance package. This flexibility is fantastic. There really is something for everyone, from the traveler who wants simple, affordable coverage for a short trip to a frequent flyer who needs a tricky combination to meet their unique needs.

Another feature that is unique to American travelers? They also have to enter information about which state they reside in, as well as the cost of their trip. For semi-nomadic domestic travelers, answering a question about residency might be easier said than done.

The AMEX travel insurance will cover trip cancellation , interruption and delays, travel medical, lost luggage, and provides worldwide travel assistance services. You have the option to buy multiple levels of coverage, including Basic, Silver, Gold, and Platinum, with each providing an increasing amount of coverage for each benefit.

American Express Trip Cancellation Insurance Options

The Basic package is all about affordable peace of mind. It includes moderate coverage for trip interruption, trip cancellation, and global baggage protection. Coverage for medical expenses is more generous, and medical evacuation is included too. Costs start at less than $100, making it the perfect choice for frugal adventurers.

The costs of the Silver package are about double that of the Basic package. But for the price, you get a lot more bang for your buck. The coverage levels in every category are significantly higher. For instance, while the Basic package offers up to $1,000 for Trip Interruption coverage, the Silver package offers up to 100% of the trip cost. Medical coverage is up to 5 times as comprehensive as what’s offered in the Basic package. There’s also extra coverage for a Global Trip delay. Given that rates for the Silver package can still be less than $100, this is an extremely high-value package.

The Gold package really shines with Trip Interruption and Global Baggage Protection. This is an excellent choice for anyone who feels comfortable with the amount of medical coverage offered at the Silver level but wants to have extra protection for their trip-of-a-lifetime investment. If you’re heading on a safari with awesome new travel gear, this is the package for you.

Just as the name suggests, the Platinum  package excels in every single level of coverage. It’s the perfect choice for anyone who seeks the broadest amount of protection, peace of mind, and reassurance.

US Citizens Can Build Your Own Plan: Choices, Choices, Choices

With the variety found in the packaged plans, American travelers who are interested in American Express travel insurance might wonder why they’d check out the “Build Your Own Coverage”.  The answer is incredible flexibility and fantastic choices. From a long menu of clearly presented choices, complete with prices, all options are clearly outlined.

Health-focused travelers can direct their money to medical coverage and accident protection. Travelers carrying medical coverage through their workplace can top up their protection and focus on trip interruption and baggage protection. Adventure travelers who had to pre-purchase mandatory insurance from an activity provider can supplement their coverage for the rest of their trip. It’s an excellent solution for anyone whose travel plans seem to fall outside the box.

No matter which way you go, you can’t go wrong. It’s all about choosing the right plan for you – just like travel!

Related: Health Insurance for US Citizens Living Abroad

How Much Does AMEX US Travel Insurance Cost

For a 35-year-old traveler with a trip cost of $2,500, the Platinum Plan will cost $180 for a one-week trip.

The Voyager plan from GeoBlue is an excellent option for US citizens traveling abroad. Although this plan does not provide trip cancellation benefits, it does cover emergency medical, trip interruption, lost luggage, and more. The cost for this plan is less than $20 per week.

GeoBlue Voyager Plan

• For U.S. citizens up to age 95
• Coverage for COVID and pre-existing conditions
• 24/7/365 service and assistance

Another option Seven Corners Trip Insurance Plan , with similar coverage, including trip cancellation benefits, will cost $133 . Both AMEX and Round Trip offer more affordable options (with fewer benefits).

We Recommend Seven Corners Trip Insurance for Your Coverage

Seven Corners Trip Protection Insurance

• Comprehensive trip protection for U.S. residents traveling abroad.
• Optional rental car collision coverage available.
• Optional Cancel for Any Reason coverage available (if eligible).

AmEx Travel Insurance – Coverage Options For Canadian Citizens

In Canada, travelers can sign up for an annual travel insurance plan or buy coverage trip by trip. Multi-trip coverage has a choice of plans built around journeys of less than ten days or trips up to 31 days long. This flexibility is particularly well suited for Canadian travelers, who might make frequent trips to the United States or enjoy spontaneous last-minute trips to sunny destinations.

Whether Canadians choose an annual plan or coverage for just one trip, American Express offers four different levels of insurance plans.

The Basic Medical  plan is straightforward and does just as the name suggests. It’s classic emergency medical travel insurance – and nothing else! You won’t get any compensation if your luggage goes missing or if you have to cancel your trip. However, it’s a fine choice for anyone who is focused on frugality and feels comfortable covering travel delays on their own.

One step up is the Essential Travel  plan. This combines the peace of mind that comes from Basic Medical’s emergency medical travel insurance along with added trip interruption and baggage loss. As a result, it’s a really nice combination of coverage for serious health concerns and the most aggravating travel problems.

However, Essential Travel does NOT include trip cancellation coverage. You’ll find that under the Select Travel  plan. It’s designed to keep your trip running smoothly, with trip cancellation insurance, trip interruption insurance, and baggage loss. Select Travel doesn’t include any element of emergency medical coverage, however. As such, it’s perfect for any traveler whose health-based insurance needs are already covered.

American Express travel insurance’s most comprehensive coverage of all, Ultimate Travel , combines all of the above. It includes emergency travel medical insurance, trip cancellation, trip interruption, and baggage loss. You’re covered for everything! That includes minor annoyances like losing your luggage as well as serious catastrophes when you can no longer continue your trip. While it is the most expensive option, it’s also the most comprehensive. Therefore, virtually every aspect of your journey is covered. Given how hard and long you’ve worked towards your trip, you don’t want anything to ruin the experience!

Best Travel Insurance Plan for Canadians Traveling Abroad

Patriot Platinum Travel Insurance

• COVID-19 coverage up to policy maximum if you're visiting the U.S.
• Maximum limits up to $8,000,000
• IMG pays 100% of medical expenses in-network

How Much Does AMEX Canadian Travel Insurance Cost

For a 35-year-old traveler with a trip cost of $2,500, the Ultimate Plan will cost $150 for a one-week trip.

Consider a Travel Medical Insurance Plan Instead

The above plans provide both trip cancellation coverage along with other benefits, including travel medical insurance . If you do not want to pay extra for the trip cancellation benefit, which can be expensive, and only want the other benefits, consider buying a travel medical insurance plan to save some money. Our recommended travel medical insurance plans are the Atlas Plan , for all travelers, and the GeoBlue Voyager plan, for US citizens. Instead of paying $100 or more for a Trip Cancellation plan, a travel medical plan can cost as little as $15 for a one-week trip!

• Emergency medical, evacuation, repatriation benefits
• Choose between the basic and more extensive coverage
• Meets Schengen visa insurance requirements
• 24/7 worldwide travel and emergency medical assistance

Also read: Choosing a Travel Medical Insurance Plan

American Express Travel Insurance in Other Countries

American Express does offer a variety of plans in other countries. They all vary in costs and benefits. They are regulated locally so are typically underwritten by a local service provider. In general, you will be able to find other options that provide similar coverage at a more affordable price. It is also best to shop around:

What Travel Insurance Benefits Do I Get With My American Express Card

This is a difficult question, primarily because each card’s benefits vary so dramatically. You need to do your research on their website to drill down into what you get based on the card you have. AMEX offers an AMEX Benefits page with details on the benefits provided with each card.

Contact Information if You Bought an AMEX Plan

For customer service or to file a claim for an AMEX policy, contact AMEX directly through the claims phone number or address, listed below, and found in your Certificate of Insurance/Policy under the benefit for which you are submitting a claim. To have an electronic copy of your Certificate of Insurance/Policy sent to you, call us with your request and the identification number you received at the time of your purchase.

• AMEX Servicing/Claims TollFree Number: 1-800-228-6855
• AMEX International Collect Number: 303-273-6497
• AMEX Mailing Address for Claims: PO-BOX 981553, EL PASO TX 79998-9920

Also read: Does My Credit Card Include Travel Insurance

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American Express Cards: Travel Insurance Benefits Guide [In-Depth]

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A Summary of Travel Insurance Benefits for Amex Cards

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Whenever you book a segment of a trip, you’ll often see an option to purchase travel insurance to protect your adventure. That can often be a good idea, especially if you’re planning a bigger or more expensive trip (though you may be better off getting insurance from a third party instead of the travel provider).

But did you know that a lot of different credit cards come with their own travel insurance benefits? This is a great feature that’s included in the cost of your annual fee, but it’s one that many people don’t realize they have or know how to use.

In this article, we’ll look specifically at the Amex travelc insurance benefits included with several of their cards, including what’s covered, what isn’t covered, and when you should consider purchasing additional insurance. Keep in mind that terms may apply and enrollment may be required, so ensure you double-check your enrollment within your American Express account.

*All information about these cards has been collected independently by Upgraded Points.

Trip Interruption and Cancellation Insurance

If your trip is either interrupted or canceled , you’ll probably want to look into getting reimbursed for associated expenses. With regards to American Express, you need to have booked a “covered trip” or have your flight canceled for a “covered reason.”

If you read through the actual policies of Amex, it can get quite confusing quite quickly. You’ll often see a reference to a “common carrier.” A common carrier is simply a method of air, land, or water public transportation (like an airplane, train, bus, or cruise ship).

A “covered trip” is defined as a round-trip ticket booked entirely with your eligible card. This covers more than a single round-trip ticket booked altogether in 1 reservation. You must begin your travel in the same city you return to. Also, the duration of travel can’t exceed 365 days away from the origin.

Lastly, the period of travel may consist of round-trip, one-way, or combinations of round-trip and one-way tickets with common carriers. Anecdotally, paying for taxes and fees on an award ticket and Pay With Points are “covered trips.”

A “covered reason” includes inclement weather, terrorist action, call to jury, sudden illness, or injury to you or an eligible traveler.

Before you think about trying to get reimbursed, you need to figure out which Amex cards offer trip cancellation and interruption insurance. Currently, these Amex cards offer trip cancellation and interruption insurance:

• Amex Platinum card
• Amex Business Platinum card
• Amex Schwab Platinum card
• Amex Corporate Platinum card
• Delta Reserve card
• Delta Reserve Business card
• Marriott Bonvoy Brilliant card
• Hilton Aspire card

Additionally, all of these cards have the same level of coverage — you are eligible for up to $10,000 of non-refundable travel expenses for up to $20,000 per account in a rolling 12-month period.

Trip Delay Insurance

Trip delay insurance is designed to cover unforeseen circumstances that delay your flight but don’t merit a cancellation. To qualify, you need to have booked a “covered trip” and your flight should be delayed for a “covered reason.”

Here are examples of “covered reasons”:

• Inclement weather, which prevents a reasonable and prudent person from traveling or continuing on a covered trip (e.g. severe weather that delays the scheduled arrival or departure of a common carrier)
• Terrorist action or hijacking
• A common carrier’s equipment failure, as documented by the common carrier
• Lost or stolen passports or travel documents

Once you qualify, you’ll get reimbursed for “reasonable additional” expenses. “Reasonable additional” expenses include, but are not limited to meals, lodging, toiletries, medication, and other personal use items.

There are 2 tiers of trip delay insurance with Amex.

The first tier covers up to $500 for a delay of more than 6 hours , and these Amex cards offer this:

• Marriott Bonvoy Brilliant cardHilton Aspire card

The second tier covers up to $300 for a delay of more than 12 hours , and these Amex cards cover this:

• Amex Business Gold card
• Amex Gold card
• Amex Green card
• Amex Business Green card
• Delta Platinum card
• Delta Platinum Business card

Rental Car Insurance

Rental car insurance is one of the most important considerations of vacation transportation logistics. At face value, rental car insurance sounds like a sales pitch when you’re renting a car.

However, should something happen to your rental car, which is not always in your control, you could be shelling out thousands of dollars to resolve the issue! If that doesn’t sound like fun, you should absolutely consider rental car insurance, which is also known as a car rental collision damage waiver .

Primary car rental insurance automatically kicks in, and it will cover loss or damages except for liability, damage to other cars or personal property, or personal bodily injury or to other people.

Secondary car rental insurance kicks in as a backup . You’ll have to file a claim with your personal insurance, and secondary insurance only covers whatever your personal auto insurance doesn’t.

Hot Tip: Want more cards with this coverage? Explore our guide on the best credit cards for car rental insurance.

There are currently no Amex cards that offer primary rental car insurance. However, these cards all offer secondary car rental insurance:

• Amex Blue Business Plus card
• Amex Blue Cash Everyday card

Lost, Damaged, and Stolen Baggage Insurance

American Express is also generous when it comes to baggage insurance.

When you have the ultra-premium Amex cards, you can get coverage for lost, damaged, or stolen baggage, which is up to $2,000 for checked luggage, with a combined maximum of $3,000 for checked and carry-on baggage per covered person . Note that there’s a total maximum limit of $10,000 for everyone on the trip combined.

When you have some premium Amex cards, you can get coverage for lost, damaged, or stolen baggage, which is up to $500 for checked luggage, with a combined maximum of $1,250 for checked and carry-on baggage per covered person . Note that there’s a total maximum limit of $10,000 for everyone on the trip combined.

As is often the case with credit card-provided insurance , you’ll need to use your Amex Platinum card to pay for the entire fare for this coverage to take effect. Remember that Pay With Points is covered under this, but not award ticket taxes and fees.

A handy benefit feature of this baggage insurance is that the primary cardholder, his or her spouse or domestic partner, and any dependent children (under 23) are all included. That means that if you’re on a family trip and something happens to everyone’s luggage, you’ll all be covered.

Hot Tip: Keep in mind that coverage applies to baggage during a trip on a common carrier, such as a plane, train, bus, ship, or other public modes of transportation. If something happens to your bags during a vacation (but not during your flights), then it won’t be covered.

Something to keep in mind is that the policy considers certain items to be “high-risk,” and caps coverage of these items at $1,000 per person for ultra-premium Amex cards and $250 per person for premium Amex cards . High-risk items include:

• Sporting equipment
• Cameras or photography gear
• Computers and electronics
• Precious metals
• Fur clothing

The insurance policy also excludes items like cash, travel documents, and certain medical items like eyeglasses, contact lenses, or prosthetic limbs. Just about everything else, though, should be covered.

The first step to file a claim is to reach out to the Amex claims processing department. Your best option is to call and have a customer service agent walk you through the process. The number is 800-645-9700 or collect from overseas at +1-303-273-6498.

Note that Amex baggage insurance coverage (like the car rental insurance) is secondary, in this case, to the common carrier’s coverage. That means that the policy will only pay after the carrier pays, so you’ll have to file a claim with the carrier first.

If that claim is denied, or if it doesn’t cover the full cost of your luggage and contents, then the Amex plan is applicable.

Bottom Line: The baggage insurance included with your Amex card can help cover the cost of lost or ruined clothing, personal items, and more. Remember that to make a claim, you’ll need to use the card to pay for your full fare.

As mentioned above, there are 2 tiers of lost, damaged, or stolen baggage insurance.

The first tier covers $2,000 for checked baggage, $3,000 for carry-on baggage, for a per-person total of $3,000 and a per-group total of $10,000. Lastly, there’s coverage of high-risk items of $1,000 per person.

Here are the Amex cards that offer this benefit:

The second tier covers $500 for checked baggage and $1,250 for carry-on baggage for a per-person total of $1,250 and a per-group total of $10,000. Lastly, there’s coverage of high-risk items of $250 per person.

Delayed Baggage Insurance

Delayed baggage insurance covers your baggage if your bags are late to arrive after a particular flight. Usually, it covers you on a per-day basis for reimbursement of essentials while your baggage is away from you.

While some cards offer delayed baggage insurance , there are no Amex cards that offer delayed baggage insurance.

Premium Global Assist and Global Assist

Premium global assist.

The Premium Global Assist Hotline is a great feature that comes with several Amex cards, although the Amex Platinum card has the most extensive service.

You can call the Premium Global Assist Hotline any time you’re 100 miles or more away from home and need logistical help… big or small. This differs from the card’s concierge service , which is useful for things like shopping help, booking tickets, or getting restaurant recommendations and reservations.

It’s more for things like:

• Help replacing a lost passport
• Canceling lost credit cards
• Emergency translation/interpretation services
• Help finding a lost item
• Help dealing with lost luggage, including staying on top of the airline until it’s found
• Emergency legal or medical referrals
• Emergency medical evacuation/transportation
• Urgent message relay in the event you can’t get in touch with family or friends during an emergency

Hot Tip: You can reach the Premium Global Assist Hotline at 800-345-AMEX (2639) or collect (when calling from abroad) at +1-715-343-7979.

The hotline can also help with certain aspects of planning your trip (again, think “logistics,” not “entertainment”) such as:

• Customs and passport information , including figuring out what visas you’ll need and how to apply, or what you can and can’t bring into the country
• Cultural information, like questions about currency, tourist office locations, or even tipping etiquette
• Foreign exchange rates
• Recommendations for inoculations before traveling to certain regions
• Weather trends and forecasts

The medical assistance is particularly valuable should there ever be a situation requiring it, such as getting sick while in a foreign country where you don’t speak the language.

If you’re traveling and fall ill or become injured, and you’re somewhere where you can’t get adequate treatment, the Global Assist Hotline’s medical team can arrange and cover expenses for transportation to definitive care closer to home.

Hot Tip: Medical transportation costs arranged by the Global Assist Hotline are covered, but a ny costs you incur that were  not arranged through the hotline won’t be reimbursed . Make sure to call ASAP before making any arrangements on your own.

This benefit applies to the cardholder, spouse/domestic partner, and dependents up to 23 years old (or 26 if a full-time student), although any beneficiaries have to be traveling on the same itinerary as the cardholder. Pre-existing conditions are excluded.

Bottom Line: The Premium Global Assistance Hotline can be a real help whether you’re trying to figure out visa requirements or need to find a local doctor while traveling. If you need emergency medical transportation to a facility back home, the hotline can arrange it and cover all expenses. As always, be sure to read the terms.

Global Assist

The Global Assist Hotline can help with a few other, less-extreme medical needs as well, including prescription medication replacement (if you lose or forget medication) and physician or dentist referral.

If your wallet is lost or stolen, the hotline will provide certain financial assistance, including wiring emergency cash to you (which will be charged to your card account) or helping you check into or out of a hotel while you don’t have your card present.

In terms of legal support, the hotline can provide a referral to a local English-speaking lawyer, help connect you to bail bond agencies that accept American Express, and connect you with the nearest consulate or embassy.

The Global Assist Hotline doesn’t offer Emergency Medical Transportation Assistance and Repatriation of Mortal Remains.

Here are the cards that offer the Premium Global Assist Hotline as a benefit:

Here are the cards that offer the Global Assist Hotline as a benefit:

Many cards offered by American Express come with great travel insurance benefits. While the more premium (and expensive) cards offer more extensive benefits, even cards like the Amex EveryDay Card offer you valuable protection during your travels.

Note that American Express cards don’t include baggage delay coverage.

If you’re seeking additional coverage for your trip, like cancellation coverage or emergency medical insurance, American Express offers a stand-alone travel insurance product you can use to supplement what your card provides.

Additionally, plenty of third-party companies offer travel insurance. If you decide that what’s included with your card isn’t enough, you can always shop around for additional coverage. Having coverage with your card is a great benefit, though, since it means whatever policy you buy can be less extensive.

If you want to learn more about general travel insurance, check out our ultimate guide to buying the best travel insurance (for your situation).

All information and content provided by Upgraded Points is intended as general information and for educational purposes only, and should not be interpreted as medical advice or legal advice. For more information, see our  Medical & Legal Disclaimers .

The information regarding the American Express Platinum Card ® for Schwab was independently collected by Upgraded Points and not provided nor reviewed by the issuer.

For the car rental loss and damage insurance benefit of the American Express ® Green Card, the car rental loss and damage insurance can provide coverage up to $50,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

The information regarding the Corporate Platinum Card ® by American Express was independently collected by Upgraded Points and not provided nor reviewed by the issuer. The information regarding the Hilton Honors American Express Aspire Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer. The information regarding the American Express ® Green Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer. The information regarding the Business Green Rewards Card from American Express was independently collected by Upgraded Points and not provided nor reviewed by the issuer.

For rates and fees of The Platinum Card ® from American Express, click here . For rates and fees of The Business Platinum Card ® from American Express, click here . For rates and fees of Delta SkyMiles ® Reserve American Express Card, click here . For rates and fees for the Delta SkyMiles ® Reserve Business American Express Card, click here . For rates and fees of the Marriott Bonvoy Brilliant ® American Express ® card, click here . For rates and fees of the American Express ® Business Gold Card, click here . For rates and fees of the American Express ® Gold Card, click  here . For rates and fees of the Delta SkyMiles ® Platinum American Express Card, click here . For rates and fees of the Delta SkyMiles ® Platinum Business American Express Card, click here . For rates and fees of The Blue Business ® Plus Credit Card from American Express, click here . For rates and fees of the Blue Cash Everyday ® from American Express, click  here .

Frequently Asked Questions

What is american express travel insurance.

American Express travel insurance can refer to 2 separate things: travel insurance features that come for free with various American Express credit and charge cards, or a standalone travel insurance product sold by American Express.

Which American Express cards come with travel insurance?

The short answer: virtually all of them come with some form of benefit.

The longer answer: each card comes with different features and perks. Some cards, such as the Amex Platinum card, come with high-value baggage insurance, as well as coverage for expensive rental cars with personal injury features and emergency medical transportation coverage.

Other cards, like the Amex Everyday card, come with more limited travel insurance benefits. It’s important to read guides such as this one and check your terms and conditions to see exactly what benefits your credit or charge card includes.

Do I have to pay for the trip with my American Express card to get the travel insurance benefits?

In most cases, yes; paying the entire fare with your American Express card is required in order to activate coverage. There may be exceptions to this, but if you plan to rely on any travel insurance features included with your card, it’s best to use your card to pay for the trip.

What kinds of things does my American Express card's travel insurance cover?

Amex travel insurance features vary by card, but can include some or all of:

• Rental car insurance
• Baggage insurance
• Global assistance
• Emergency medical evacuation
• Physician/dentist referral

Does American Express travel insurance cover pre-existing conditions?

Most medical-related coverage offered by Amex travel insurance specifically excludes pre-existing conditions. If that’s something you’re worried about, you may wish to seek supplementary travel or medical coverage.

How does American Express travel insurance define a pre-existing condition?

According to Amex: “A pre-existing condition is any sickness, illness, or injury that has manifested itself, become acute, or was being treated in the 60-day period immediately prior to the start of a trip.”

Does American Express travel insurance cover issues related to pregnancy?

Yes, as long as you are not traveling against the advice of a physician. Be sure to check with your doctor before taking a trip.

Should I get separate travel insurance in addition to what comes with my card?

You should look into the specific benefit terms of your card when deciding whether you need additional coverage or not.

American Express offers a standalone travel insurance product that can be used to supplement the insurance that comes with your card. This could be a good option if you decide you do need additional coverage.

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21 comments

Maggie marr.

April 18, 2019

I have the Delta gold SkyMiles AMEX card. I don’t see anything here about what type of travel insurance is available for this card. Does it include car rental insurance. Thanks.

Christine Krzyszton

Hi Maggie. The Delta Gold SkyMiles card is an airline-branded card so it is not included in the group of American Express cards in this article. Your Delta Gold SkyMiles card does come with rental car coverage. Here are the details: https://www.americanexpress.com/content/dam/amex/us/credit-cards/features-benefits/policies/pdf/CRLDI%20Benefit%20Guide_Tier%201%20Rev%2003-18.pdf

June 01, 2019

I have both the Amex Gold and Platinum charge cards. However, I know I get more bonus points booking with the gold card (3x opposed to 2x through Amex Travel).

My question is: If I book with my Gold Card, will I still be eligible for my Amex Platinum Travel Insurance as it’s all linked to my account? Or would I need to book with my Platinum Card?

Jarrod West

June 03, 2019

I’m guessing from your comment that you are referring to the UK versions of the American Express Gold & Platinum cards. In any case, in order to receive the Platinum travel insurance, your travel must be purchased with the Platinum card.

Jim Schultz

August 13, 2019

Question regarding Global Assist Hotline for a Platinum Amex Card. Are the benefits

available only while traveling on a trip which was fully paid for on that card?

For example, driving 200 miles from home and no Amex charge for anything.

Also, flying overseas on frequent flyer points with rental car paid on the card?

August 14, 2019

Hi Jim. Reading the terms and conditions for the Premium Global Assist Hotline I found no requirement that the trip had to be paid for with the Platinum Card. You must be more than 100 miles from home, however. You can access the terms/conditions for the coverage here or call the number on the back of your card for specific questions. https://www.americanexpress.com/content/dam/amex/us/credit-cards/features-benefits/policies/pdf/PGA_Benefit_Guide_Rev_09-17.pdf

Marilyn Manning

I was charged for a travel delay on my upcoming trip to Mexico. What does that cover please?

Hi Marilyn. We’d like to help you but need some clarification. Could you please tell us exactly what you were charged for on your upcoming flight?

September 02, 2019

So if one has their handbag stolen on transit at an airport (not on the plane but at the airport waiting for connected flight) are they covered with American Express Business Gold card?

September 03, 2019

This doesn’t sound like a incident that would be covered because it does not fall into the category of checked or carry on luggage while in transit on a common carrier. However, you can call the number on the back of your card for specific questions regarding coverages.

Yolande Booth

October 07, 2019

I had to remove myself from a flight just before boarding due to family death, will this be covered?

October 08, 2019

Hi Yolande,

That is a chance that may be covered. You should contact the airline directly to receive more information.

Thanks for reading!

February 04, 2020

Note that as of January 1, 2020, Amex Platinum Card covers trip cancellation & interruption (see below), and delay (separate document). https://www.americanexpress.com/content/dam/amex/us/credit-cards/features-benefits/policies/pdf/Trip_Cancellation_and_Interruption_Insurance.pdf

February 05, 2020

Hi LKM. Thank you for the note. We are well aware of the changes and have updated most of our articles. This one is in the queue to be updated.

Virginia Montague

June 11, 2021

Seeking a full refund for trip canceled due to corona virus. Trip scheduled and paid through American Express Travel.

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The Amex Platinum Travel Insurance Guide 2023

Published: Nov 9, 2023, 12:25pm

Fact Checked

Table of Contents

About travel insurance from the platinum card®, how does the platinum card® from american express travel insurance work, what travel insurance does the platinum card® offer, travel insurance summary, the platinum card® pre-existing medical conditions, exclusions to the platinum card® travel insurance, the platinum card® 24/7 travel assistance, when does the platinum card® travel insurance start and end, how to file a claim with the platinum card® travel insurance, the bottom line, frequently asked questions (faqs).

The Platinum Card® from American Express comes with a long list of perks and benefits , especially for high-earning frequent travellers. While the card comes with a hefty $799 annual fee, it offers a worthwhile bevy of travel perks , including a $200 annual travel credit, a $100 credit towards a NEXUS application and generous travel benefits. such as guaranteed late check-outs, room upgrades, early check-in and in-room Wi-Fi. Then there’s the airport lounge access, and the even better perks if you fly out of Toronto’s Pearson International airport, such as valet service, discount parking and priority access.

Another included benefit is the travel insurance, which is a must-have any time you’re travelling outside of Canada, as your provincial or territorial plan has limited coverage if you get sick or injured. Other than that, if you have to cancel your trip before you leave or if you have to return home unexpectedly, travel insurance may be able to help reimburse some, if not all, of your expenses.

So let’s take a closer look at the travel insurance benefits offered by The Platinum Card® from American Express.

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Travel insurance is offered by most travel credit cards as a complimentary perk, and the The Platinum Card® from American Express card is no exception. This card includes coverage for emergency medical, trip cancellation and interruption, flight delay, baggage protection and even coverage in the event your accommodations are burgled.

Keep in mind that travel insurance is designed to cover losses from “sudden and unforeseeable circumstances” and that the card only covers the first 15 days of travel. You can take as many trips as you’d like, but you must return home first between trips.

The Platinum Card® from American Express travel insurance is underwritten by Royal & Sun Alliance Insurance Co. of Canada, except for the travel accident insurance coverage, which is underwritten by Chubb Life Insurance Company of Canada.

Unlike separate travel insurance policies , you don’t need to apply for travel insurance with The Platinum Card® from American Express as it’s an automatic perk of the card. However, there are requirements in place if you want to access the card’s insurance benefits:

• You need to pay for your trip with the card.
• You need to be 65 years old or younger.
• You need to be a resident of Canada.
• You must have current coverage under your province or territory’s government health insurance plan (GHIP).

Here are the key types of travel insurance coverage offered by the The Platinum Card® from American Express credit card:

Out of province/country emergency medical insurance: If you get ill or are injured on your trip, travel medical insurance can pay for emergency medical expenses, up to the $5 million covered limit.

Emergency medical treatment coverage for the The Platinum Card® from American Express card includes:

• Hospital accommodation up to a semi-private room
• Treatment by a physician or surgeon
• Outpatient hospital charges
• X-rays and other diagnostic tests
• Use of an operating room, intensive care unit, anaesthesia and surgical dressings
• Prescription drugs (except for a chronic medical condition)
• Local ground ambulance services or taxi/rideshare fare in a medical emergency
• Rental or purchase of a hospital-type bed, wheelchair, brace, crutches and other medical appliances
• Registered private nursing
• Emergency dental expenses due to a blow to the face, plus continued treatment upon your return (within 90 days of the injury)
• Emergency relief of dental pain
• Professional services, such as that from a physiotherapist, chiropractor, osteopath, chiropodist or podiatrist
• Return home due to a medical emergency
• Return of your remains, plus associated costs
• Additional meal and accommodation expenses after your return home is delayed due to you or your travelling companion’s medical emergency
• Bringing a bedside companion to you if you are hospitalized for more than three days (or immediately if you are under age 21 or physically handicapped and dependent on your bedside companion for support)
• Return of your vehicle or rental due to a medical emergency
• Return of dependent children due to a medical emergency if you are hospitalized more than 24 hours or due to repatriation
• Return of excess baggage due to a medical emergency

Trip cancellation insurance: If you cancel your trip before your departure date for a covered risk listed in your insurance policy, trip cancellation insurance can reimburse you for prepaid, non-refundable costs, such as airfare or hotels.

Covered risks include:

• Your emergency medical condition, or the emergency medical condition of your travelling companion
• Hospitalization or emergency medical condition of an immediate family member, business partner, key employee or caregiver
• Your death, or death of an immediate family member, business partner, key employee, caregiver or travelling companion, family of your travelling companion or your host at your destination
• A government advisory to “avoid non-essential travel” or “avoid all travel”
• Transfer by your employer for you or your spouse
• Loss of you or your spouse’s job
• Cancellation of a business meeting
• Being summoned to serve as a reservist, military, police, fire or medical personnel
• An event that renders your home or place of business inoperative
• Quarantine or hijacking of you, your spouse or dependent child
• You or your spouse being called for jury duty, being subpoenaed as a witness or being required to appear in a judicial proceeding

Trip interruption insurance: Trip interruption insurance kicks in once you’re on your trip if you have to return home earlier than expected due to a covered risk and can pay for a last-minute flight home and/or reimburse you for the unused portion of your travel arrangements that are non-refundable and non-transferable. This insurance also provides benefits, such as reimbursement for accommodation, meals, telephone and rides, if your return home is delayed due to a covered reason.

The covered risks are similar to those for trip cancellation insurance, but also include:

• Delay of a private car causing a missed connection or flight due to mechanical failure of that transportation, weather, earthquake, volcanic eruption, traffic accident or an emergency road closure
• Delay of your common carrier causing a missed connection due to the above unexpected issues
• Delay of your common carrier causing a delayed departure due to the above unexpected issues causing you to miss your scheduled cruise or tour

Like emergency medical insurance and trip cancellation insurance, trip interruption coverage is for sudden and unforeseeable circumstances. To ensure you’re able to access your coverage when you need it most, it’s crucial to review the complete list of covered risks to understand what is and is not covered and under what circumstances.

Flight and baggage delay insurance: This insurance provides coverage in the event that your flight and/or baggage is delayed, or if you suffer a loss due to a hotel burglary.

The coverage and benefits are as follows:

• Missed connection: If a delay of an incoming flight causes a missed connection and no alternative onward transportation is available within four hours of deplaning, this insurance will pay up to the benefit limit for expenses related to meals, accommodations and rides incurred within 48 hours of deplaning.
• Delayed flight departure or denied boarding: If your departing flight is delayed for four hours or more or if you’re denied boarding due to overbooking and no alternative transportation is available within four hours of your scheduled departure, this insurance will pay up to the benefit limit for expenses related to meals, accommodations and rides incurred within 48 hours of the delay or denied boarding.
• Emergency baggage delay: If your checked baggage is not delivered within six hours of arriving at your destination, this insurance provides reimbursement for expenses related to essential clothing and toiletries that are purchased within the first four days after arrival and before your bags are returned.

The maximum aggregate limit for the three coverages above is $1,000.

Hotel burglary insurance: If your accommodations are burgled due an illegal forced entry, this coverage will reimburse you for the loss of personal items, excluding cash. The maximum amount payable is $1,000 per burglary.

Lost or stolen baggage insurance: This insurance can compensate you up to your policy limit if your baggage is lost or stolen. Specifically, this insurance reimburses you for loss or damage to owned or borrowed baggage and personal effects, whether in transit as checked baggage or carried on board, as long as your full fare was paid with the card. The maximum amount payable is $1,000 for all insured persons combined. The amount includes a $300 limit for jewellery and a $250 limit for golf clubs, including golf bags.

This coverage does not cover loss or damage of eyeglasses or contact lenses, artificial teeth or limbs, cameras and camera equipment, electronics including laptops and cell phones, sports equipment (except gear for golf, skiing or tennis), fragile objects, such as china or glass, art or antiques, business items, household effects, perishable goods, animals, furs, cash, securities, or valuable papers and documents.

Travel accident insurance: This coverage offers compensation in the event of accidental death or catastrophic injury from a flight accident during your trip, including the loss of limbs or eyesight. Injury can be sustained during a flight or during alternative transportation due to a delayed or rerouted flight. The amount paid out depends on the severity of the loss or dismemberment and the insurer will only pay for one loss. The maximum amount payable is $500,000 per covered person and the benefit amount paid is for the greatest loss.

Car rental theft and damage insurance: This insurance covers theft, loss or damage to a rental vehicle for up to 48 consecutive days when you use your card to pay for the rental. In the event of theft or damage, you or the rental agency will be compensated up to the actual cash value of the vehicle (maximum $85,000 MSRP). It’s important to note there are a number of rental vehicles excluded from this coverage, including vans or cargo vans, pick-up trucks, off-road vehicles, motorcycles, trailers or RVs and antique cars. You will still require your own third-party liability, personal injury and damage to property car insurance coverage.

We’ve highlighted key benefits of the travel insurance offered by The Platinum Card® from American Express.

(i) $1,000 aggregate maximum for flight delay insurance and baggage delay insurance.

In general, a pre-existing condition is defined as any sickness, injury or medical condition, whether or not diagnosed by a physician, that you showed signs or symptoms or received medical attention for before the start of your coverage.

The Platinum Card® from American Express Travel Insurance will not pay any expenses related to any medical condition that is not stable in the 90 days before you leave on your trip.

A medical condition is considered stable when there has been:

• No new treatment, medical management or prescribed medication, and
• No change in treatment, medical management or medication (with some exceptions), and
• No new, frequent or severe symptoms or findings, and
• No new test results or results showing a deterioration, and
• No investigations or future investigations initiated or recommended, and
• No hospitalization or referral to a specialist, made or recommended

In addition, The Platinum Card® from American Express will not pay any benefits for the following:

• Your heart condition (with or without diagnosis) that has not been stable in the 90 days before your departure or for which you have taken nitroglycerin more than once per week for the relief of angina pain.
• Your lung condition (with or without a diagnosis) that has not been stable in the 90 days before your departure or for which you have been treated with home oxygen or taken oral steroids, such as prednisone or prednisolone, for any lung condition.

In addition to pre-existing conditions, The Platinum Card® from American Express Travel Insurance does not pay expenses related to the following general exclusions:

• Any medical condition for which future investigation or treatment is planned before your trip
• Continued treatment of a medical emergency, included any heart or lung condition, if you chose not to return home after receiving emergency care
• Any services that are not related to an emergency
• Routine care of a chronic condition
• Routine prenatal care
• Pregnancy, complications or birth of a child in the nine weeks before or after your expected delivery date, or any child born on a trip
• Invasive testing or surgery without prior approval, or any other benefits that require prior authorization that did not receive authorization
• Expenses related to participation as a professional athlete in a sporting event, including training or practice; any motorized race or motorized speed contest; or high-risk activities including scuba diving without a basic scuba designation, hang gliding, rock climbing, paragliding, skydiving, parachuting, bungee jumping, mountain climbing, rodeo, heli-skiing, any downhill skiing or snowboarding outside marked trails, any cycling racing event or ski racing event
• The commission of or attempt of a criminal act
• Intentional self-inflicted injury, suicide or attempt to commit suicide
• Any medical condition related to chronic use of alcohol or drugs, or your abuse of medication, drugs or alcohol, or non-compliance with prescribed medical treatment
• Mental or emotional stress, including anxiety and panic, unless it was severe enough to require medical attention
• War or rebellion
• Any treatment, surgery, investigation, palliative care or alternative therapy that was the purpose of your trip
• Any medical condition for which treatment is expected
• Symptoms in the 90 days before your trip that would cause a “prudent” person to seek medical attention
• Treatment for any condition for which you have been advised by your physician not to travel
• Any medical condition suffered or contracted or loss incurred in a country where there is an “avoid non-essential travel” or “avoid all travel” travel advisory in effect before you leave on your trip
• Any medical condition if the insurer’s medical advisors recommend you return home and you choose not to return
• Any radiation or radioactive contamination from any nuclear fuel or waste, or the radioactive, toxic, explosive or other dangerous properties of nuclear machinery

There are additional exclusions related to particular insurance coverages, so read your certificate of insurance carefully.

Travel assistance is available 24/7 and is provided by Global Excel Management Inc.

The following assistance services are available:

• Direction to one or more recommended medical service providers near you
• Confirmation of coverage
• Direct payment of eligible medical expenses to your service provider
• Consultation with your physician and monitoring of your care
• Monitoring the appropriateness, necessity and reasonableness of that care to ensure your expenses will be covered by insurance
• Conveying emergency messages to your immediate family, physician or business
• Coordination to replace your prescription eyeglasses or medication if necessary (though the actual cost to replace these items is not covered)

In the event of a medical emergency you, or someone acting on your behalf, must call Global Excel before receiving any medical treatment or, if this is medically impossible, as soon as possible afterward. If you do not make contact before seeking medical treatment or if you receive care from a non-approved medical service provider, you will be responsible for 20% of your covered medical expenses to a maximum of $25,000.

Emergency medical coverage: This is provided by the Platinum Card® from American Express for the first 15 consecutive days of your trip, starting with the day you leave your home province or territory and ending the day you return home.

However, coverage is automatically extended beyond the 15-day limit by the following amounts due to these circumstances:

• Up to five dates if you or your travelling companion are hospitalized due to a medical emergency on your scheduled return date
• Up to five days if you must delay you or your travelling companion’s return date due to a medical emergency
• Up to 72 hours if there’s a delay with your common carrier (plane, train, etc.) on your return date

Trip cancellation and trip interruption coverage: This begins on your effective date, or the date any portion of the trip costs are first charged to the card or paid by American Express Membership Rewards points. The coverage ends at midnight on your return date, though may be subject to extension due to the circumstances noted above.

Flight and baggage delay insurance: This coverage begins when your full fare is charged to your The Platinum Card® from American Express card. The hotel burglary insurance begins when your accommodations are reserved, booked and charged to your card. Coverage ends when you return home.

Lost and stolen baggage insurance: This starts when your baggage has been checked in and is in the care of an airline, or in the case of carry-on baggage, when you board the plane.

Travel accident insurance: This is in effect for the duration of the policy and will cover losses that happen within 100 days of the date of the accident that caused the injury.

Car rental theft and damage insurance: This valuable coverage is valid for a maximum of 48 consecutive days, starting the day you take control of the rental car. If you rent your vehicle for more than 48 days, there is no coverage provided, including for the first 48 days. You can not extend your insurance in any way. You can only qualify for the car rental theft and damage insurance coverage once in a calendar year.

In addition, coverage for all The Platinum Card® from American Express travel insurance ends when:

• Your account is cancelled.
• Your privileges are terminated.
• Your account is no longer in good standing.

You can fill a claim by visiting the online claims portal at amex.rsagroup.ca. There you can start a claim and submit your required supporting documents. Once submitted, you can track the status of your claim through the portal.

You must file your claim(s) within a prescribed number of days, as follows:

Depending on your claim, you may need to submit supporting documentation with your completed claim and authorization form, including:

• Proof of your departure and return dates
• Originals of all bills, invoices and receipts
• Proof of payment by your government health insurance plan and/or payment from any other insurer or benefit plan
• Complete diagnosis from the physician and/or hospital that provided the treatment, including confirmation that the treatment was medically necessary
• Proof of the accident for emergency dental treatment
• Written evidence of the risk insured that was the cause of the cancellation, interruption or delay
• Tour operator terms and conditions
• Copies of Amex statements showing payment of your trip or redemption of points
• Complete unused transportation tickets and vouchers
• Receipts for prepaid land arrangements and/or subsistence expenses
• Original passenger receipts for new tickets
• Reports from the police or local authorities documenting the cause of the missed connection
• Detailed invoices and/or receipts from service providers
• A copy of the travel agent’s invoice or itinerary and account statement of the full fare expenses
• Alternate boarding pass or flight delay report from the airline
• Verification from the airline of the delay, including reason, duration of delay and any compensation received
• Proof of delivery confirming date/time baggage was delivered
• Invoice issued by your accommodations
• Police report confirming forced entry and a burglary report from the accommodation
• Receipts for repaired or replaced items
• Lost or damaged baggage report
• Proof of settlement from your personal insurance company and/or airline
• Estimate of personal item or baggage repair(s)
• Itemized original receipts for replacement items
• Vehicle rental agreement
• Accident or damage report

You may also need to undergo a medical examination by a physician (or physicians) selected by the insurer.

The travel insurance offered by The Platinum Card® from American Express card offers comprehensive coverage in case of a wide number of travel calamities. For a simple trip of less than 15 days, this card likely offers sufficient protection. But if you plan on travelling for longer, have some high-risk activities in mind or live with pre-existing health conditions, you may want to consider additional coverage.

Does The Platinum Card® from American Express travel insurance pay directly?

According to the certificate of insurance, “.. wherever possible, Global Excel will… pay your eligible medical expenses directly to the recommended medical service provider.” The insurer also notes, however, that “there are certain countries where, due to local conditions or travel reports from the Canadian government, assistance services are not available and you may be required to make a payment up front.” In this case, it’s crucial that you obtain detailed and itemized original receipts to later use for your claim.

Does The Platinum Card® from American Express travel insurance have any age restrictions?

You must be at least 15 days old and under age 65 to qualify for The Platinum Card® from American Express travel insurance.

Does The Platinum Card® from American Express travel insurance have any date restrictions?

The Platinum Card® from American Express travel insurance will only cover the first 15 days of travel. Beyond 15 days, you can request a top-up of coverage for an extra premium.

Does The Platinum Card® from American Express travel insurance cover COVID-19?

Emergency medical coverage is available for COVID-19-related emergencies, as long as there is no “avoid all non-essential travel” or “avoid all travel” travel advisory in effect for your destination. If an advisory is issued while you are on your trip, The Platinum Card® from American Express provides coverage for medical emergencies related to COVID-19 for up to 10 days. If you are experiencing symptoms of COVID-19 before you leave on your trip, your insurance will likely not provide coverage as it is considered a pre-existing condition. According to the trip cancellation and trip interruption certificate of insurance (effective January 1, 2021), “A trip cancellation, trip interruption or trip delay, which is related, directly or indirectly, to Coronavirus disease 2019 (COVID-19)” is not covered. This means that expenses related to quarantine, refused boarding or refused entry are not covered.

What if my insurance benefits are insufficient?

The Platinum Card® from American Express travel insurance is considered excess insurance and last payor, meaning that all other sources of reimbursement, such as your provincial or territorial health plan and (if applicable) and any other insurance, such as that from a current or former employer, must be exhausted first. The Platinum Card® from American Express will pay the balance owing for eligible expenses. You are responsible for any deficit between the amount owing and the amount covered by insurance.

What if I’m travelling more than 15 days?

If you travel for more than 15 days, you can either request a top-up from The Platinum Card® from American Express and pay the extra premium or you can purchase a standalone policy.

Which is better: credit card or separate travel insurance ?

The choice between credit cards travel insurance or an individual, separate travel insurance plan is a personal one, based on your travel itinerary, health and insurance needs. Credit card travel insurance is a useful perk included in a card’s annual fee. There is no additional premium for insurance, unless you require coverage longer than the number of days under your policy, for example, 15 days with the The Platinum Card® from American Express card. You’ll need to purchase your non-refundable and non-transferable expenses, such as flights and hotels, with the card to get coverage. However, credit card travel insurance is limited compared to separate travel insurance policies that often have higher benefits, more comprehensive coverage and can include add-ons for high-risk activities or pre-existing conditions. If your credit card does not meet your needs, you can purchase a standalone policy as a top-up to your card’s coverage.

Can I pay for my trip with points and still get travel insurance coverage?

It depends. Trips will be covered if trip costs are paid for by redeeming Amex Membership Rewards Program points, but not if points are used from another reward program.

Advertiser's Disclosure

American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information, click the Apply Now link. If you apply and get approved for an American Express Card, (I/we) may receive compensation from American Express, which can be in the form of monetary payment.

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Fiona Campbell is a Staff Writer for Forbes Advisor Canada. She started her career on Bay Street, but followed her love for research, writing and a good story into journalism. She is the former editor of Bankrate Canada, and has over 20 years of experience writing for various publications, including the Globe and Mail, Financial Post Business, Advisor’s Edge, Mydoh.ca and more.