American Express Platinum Baggage Delay – Katie Genter is a digital nomad who has been traveling full-time since June 2017. He writes and edits stories about points and miles and loyalty programs, often letting his personal experiences color those stories.

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American Express Platinum Baggage Delay

American Express Platinum Baggage Delay

Lost or damaged your bag while traveling? For frequent travelers, this is probably unavoidable, as most airlines have no idea where your bags are between scans. Some airlines, like American, offer live baggage tracking via app, but others don’t.

How Does Credit Card Lost Or Delayed Baggage Insurance Work?

Baggage insurance is therefore essential if and when your luggage does not show up on the carousel. In today’s post, I’ll dive into the details of the baggage insurance plans offered by many American Express cards.

It’s important to be aware of all the different rules and restrictions associated with Amex Baggage Insurance. Not all losses are covered, so it’s important to know these limits. If they don’t suit your travel needs, you may want to consider purchasing additional coverage elsewhere. Here’s everything you need to know about the basics of the Amex Baggage Insurance Plan:

Amex may cover losses resulting from damaged, stolen or lost baggage. Carry-on and checked baggage are both eligible for coverage.

To be eligible for coverage, you must travel on a common carrier, which Amex defines as any air, land or water vehicle (other than a private or rental car) that is licensed to hire passengers and is available to the public. Your rental car, as well as taxis and ride-hailing services like Uber and Lyft, are excluded.

Amex Platinum Travel Insurance: What To Know

To receive coverage, you must also pay in full with an American Express card or use Membership Rewards points to book tickets through Amex Travel. However, travel booked with points or miles from other sources is excluded.

This policy covers both primary and additional card members. Coverage also includes cardmembers’ spouses or domestic partners and children under the age of 23. However, travelers must be permanent residents of one of the 50 states, Washington, Puerto Rico or the US Virgin Islands.

Most American Express cards will cover the cost of replacing checked bags and their contents up to $500 per person, although so-called high-risk items are only covered up to a maximum of $250. These items include jewelry, sports equipment, photographic or electronic equipment, computers, and audio-visual equipment. And carry-on bags are typically covered up to $1,250.

American Express Platinum Baggage Delay

However, you’ll enjoy additional coverage on select premium American Express cards, including The Platinum Card® from American Express and the Business Platinum Card® from American Express. Check the Amex Baggage Insurance Plan website for policy documents for airline tickets purchased with each applicable Amex Card.

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Eligibility and benefit levels vary by card. Terms, conditions and restrictions apply. Visit for details. The policy is underwritten by AMEX Assurance Company.

Just note that coverage is secondary; Amex will only cover damages that exceed the reimbursement you can receive from the common carrier.

This coverage excludes many items, including cash, tickets, animals, motorized vehicles, and anything shipped as cargo. In addition, this coverage excludes losses resulting from acts of war, government confiscation, and unlawful acts. It’s best to read your card’s policy to find out what types of losses Amex can exclude.

If you’ve suffered a loss and you meet the conditions specified in your card’s policy document, here’s what you need to do to get reimbursed. First, notify Amex of your loss by filing a “Notice of Claim” within 30 days of your loss. You can do this by visiting, calling 1-800-228-6855 in the US or 1-303-273-6498 abroad.

Lost Luggage Insurance

You must complete “proof of loss” documentation within 60 days. This documentation may include a claim form, a tax receipt and a written report of the loss of checked bags. Once your claim is approved, you can usually expect a refund within 30 days.

The benefits of American Express baggage insurance are strong, especially since they include carry-on bags. But when it comes to booking travel, not all Amex cards are created equal. One of the best options is the American Express Platinum Card ($695 annual fee; see rates and fees), which offers 5x points on flights booked directly with airlines or on (up to $500,000 in purchases per calendar year. ). The American Express® Gold Card ($250 annual fee; see rates and fees) is another strong option, as it offers 3x points on flights booked directly with airlines or on

Amex Baggage Insurance covers some things you might not expect, including lost carry-on luggage without specifying that the loss must be the result of theft. So if you left your glasses or jacket on the plane, you should cover them up. It also doesn’t matter what form of shipping you use as long as it meets Amex’s definition of a common carrier.

American Express Platinum Baggage Delay

Therefore, this benefit is likely to apply to losses incurred on subways, ferries, aerial trams, and almost any other paid public transportation. So you can also file a claim if something goes missing during the trip.

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Even if the policy covers your loss, there are two reasons to file a complaint with the airline or service provider. First, Amex requires you to submit a copy of the claim to the travel provider as part of its own claims process. Also, Amex coverage is second to none. It will cover you more than what the transport provider does. So while the airline and Amex coverage may be individually inadequate, you may be able to receive compensation from both.

Cardmembers often forget about credit card travel protection. But it’s worth checking the benefits of the cards you usually use to buy airline tickets. After all, many of the best airline ticket purchase cards offer a variety of protections, including delayed baggage insurance, trip delay insurance, and trip cancellation/interruption insurance. If you find that your card doesn’t offer much protection, consider adding one of the best cards with travel insurance to your wallet.

Editorial Disclaimer: The opinions expressed herein are solely those of the author, not of any bank, credit card issuer, airline, or hotel chain, and have not been reviewed, endorsed, or otherwise approved by any of these organizations. American Express cards have limited protection. Travel Insurance So many Amex customers will be interested in American Express travel insurance.

This overview article will show you which travel protections and benefits are available to you with American Express travel insurance, the prices of these policies and how to sign up.

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I’ll also show you how the benefits compare to other major credit cards so you can see what alternatives might make more sense for you.

American Express travel insurance is a suite of protections offered to travelers that come in a variety of packages that vary in price and coverage. This protection covers things like canceled trips, lost luggage, medical emergencies and several other scenarios.

And it’s worth noting that you don’t have to have an Amex card to get coverage from the program.

American Express Platinum Baggage Delay

Tip: Use WalletFlo for all your credit card needs. It’s free and will help you optimize your rewards and savings!

The Guide To American Express Travel Insurance

American Express cards offer great purchase protection, but one area where they really fall short is travel insurance protection.

However, they still offer some protection in this department. I’ll break down Amex Platinum Card travel insurance first and then show you which key protections are missing.

That way, you’ll get a feel for whether you want to look to other credit cards for the protection you want instead of relying on Amex travel insurance.

These are some of the top travel benefits offered by the Amex Platinum Card. Other Amex cards, such as the Premier Rewards Gold Card, offer similar benefits, but many offer lower coverage limits (eg, $50,000 for car rentals).

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For comparison, take a look at some of the protections offered by the Chase Sapphire Reserve, which include:

These are some of the key travel protections I look for, so I think it’s a shame they aren’t on standard cards like the Platinum Card, Premier Rewards Gold Card, etc.

Note that many states have unique restrictions on many of these benefits, so just use the below for general guidance.

American Express Platinum Baggage Delay

May provide reimbursement for non-reimbursable expenses if they need to cancel the trip before it starts or if it is interrupted for reasons such as:

American Express Travel Insurance Review (coverage, Policies) [2020]

(Gold and Platinum AETI packages offer coverage upgrades for an additional premium when covered travel must be canceled for specified business reasons.)

Note that Amex will not pay a benefit for the cancellation or termination of a covered trip due to the cancellation of an event that is a covered trip reason or concern for an event that did not take place, such as potential illness or the possibility of bad weather conditions.

Also they will not pay benefits for a medical condition if,

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