American Express Platinum Trip Cancellation Insurance
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American Express Platinum Trip Cancellation Insurance
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How The Amex Platinum Card Can Earn You $4,684 Of Value In The First Year
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Amex cards from Platinum to Everyday Preferred now offer coverage for trip cancellation and more – here’s everything you need to know
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Amex Platinum: 18 Luxury Travel Reasons It’s Worth The $550 Annual Fee
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While credit card insurance and travel protection coverage are usually considered secondary to rewards programs and other cardholder perks, these benefits can be just as important if you travel.
For example, when you pay for a trip with a credit card that offers trip cancellation and interruption insurance, you may be able to get reimbursed for some of your travel expenses in the event that your vacation is canceled for reasons beyond your control. Stopped from. Meanwhile, travel delay insurance lets you apply for some reimbursement when your travel delay results in unexpected expenses, such as an unplanned hotel stay near the airport when your flight is delayed.
Amex Platinum Trip Delay Insurance: My Experience
Chase credit cards like the Chase Sapphire Reserve® and Chase Sapphire Preferred® cards have really excelled over the years in terms of the security they offer and have some of the highest limits. Still, American Express is still coming through — it recently added travel delay coverage, as well as trip cancellation and interruption insurance, to several 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 significant travel benefits, consider the cards below and their extended travel protection.
We’re focusing here on the rewards and perks that come with each card. These cards won’t be useful 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.
The new Trip Cancellation and Interruption Insurance from the American Express Credit Card will provide you with up to $10,000 in coverage (and up to $20,000 per account per year) that you can use to reimburse 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 are stuck at your destination and need an extended stay and additional costs before you can return home.
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Note that this coverage is good for round-trip travel booked with your credit card, which means you must pay travel expenses with a common carrier with your American Express credit card to be eligible.
Other versions of the Amex Platinum card – including Goldman Sachs, Morgan Stanley, and corporate flavors – also offer this coverage, as do all versions of the Amex Centurion (Black) card, which is invitation-only.
In January 2020, American Express also introduced an enhanced travel delay insurance benefit for several of its top rewards credit cards. Although this benefit may seem unusual, there are many scenarios where travel delay coverage can help you save money and avoid surprise expenses when travel goes beyond your control.
With Travel Delay Coverage from Amex, when your flight or other travel plans are delayed by more than six hours, you can be reimbursed up to $500 per trip for hotel stays, meals and other miscellaneous essential expenses. If you’re sitting at the airport and your flight is suddenly delayed until the next morning, for example, you can use this coverage to get reimbursed for a nearby airport hotel and your dinner, then You can then take an Uber or Lyft ride back.
Understanding Amex No Lifetime Language Offers » Travel On Point(s)
To qualify for American Express travel delay coverage, you must pay for your round-trip travel expenses with a common carrier with your credit card.
Some American Express credit cards also offer luggage insurance plans, although this is not a new or advanced 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 must pay for travel with a common carrier (airfare, cruise fare, etc.) with your American Express credit card.
The amount of coverage you get depends on the card you have. For example, American Express’s Platinum Card® baggage insurance provides coverage up to $3,000 per person for carry-on luggage and up to $2,000 per person for certain types of checked baggage.
On the other hand, with baggage insurance from the Amex Everyday® Preferred Credit Card, you’ll only qualify for coverage up to $1,250 per person for carry-on luggage and up to $500 for covered checked baggage, though there’s an additional Benefits $250 is offered for eligible “high-risk items” such as jewelry or sports equipment.
Delta Skymiles Platinum American Express Card
Some American Express cards also offer secondary auto rental coverage, meaning this coverage begins after your other policy expires, unlike primary car rental coverage.
Although this benefit applies to many Amex cards, note that coverage limits may vary. For example, with the Amex Gold Card, coverage for damage or theft is limited to $50,000 per rental agreement, yet the Amex Platinum Card offers up to $75,000 in coverage. Insurance also does not cover personal liability.
Also note that this coverage comes with a certain amount of accidental death or dismemberment coverage that varies depending on the card. For example, you’ll get coverage up to $200,000 per person and up to $300,000 per car accident for accidental death and dismemberment. Be sure to read the terms and conditions of your credit card so you know how much coverage you have.
While American Express offered travel accident insurance on some of its cards, this coverage was removed effective January 1, 2020. The same is true for the American Express Roadside Assistance Hotline, which is no longer available.
The Platinum Card® From American Express®
Still, American Express rewards and travel credit cards offer plenty of protection for consumers who pay for travel with credit cards. If you’re about to sign up for a new credit card, be sure to compare the card options and all of their benefits before making a decision.
Insider ratings are determined by our editorial team. The rating system considers a variety of factors and evaluates the card against other cards of the same type so you can choose a card that best suits your goals.
Earn 5X Membership Rewards® points on flights booked directly with airlines or American Express Travel (up to $500,000 per calendar year) and prepaid hotels booked with American Express Travel. Earn 1X points on other purchases.
80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in the first six months of Card membership
The Best Travel Credit Cards
If you want as many premium travel perks as possible, the Platinum Card® from American Express may be the right card for you. The annual fee is high, but you get a long list of benefits like airport lounge access, travel statement credits, complimentary hotel elite status, and more.
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