- American Express Platinum Trip Insurance Coverage
- American Express Platinum Card Review 2023
- American Express Black Vs. Platinum: What’s The Difference?
- How To Get A Platinum Card From American Express For Free
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American Express Platinum Trip Insurance Coverage
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American Express Platinum Card Review 2023
Whether you are a frequent traveler or someone who vacations occasionally, it is important to have travel insurance. This can help you minimize the cost of travel hiccups such as lost luggage or a canceled trip. In the event of a serious medical emergency while traveling, it can even save a life.
Fortunately, travel credit cards often offer their own insurance. In fact, The Platinum Card® from American Express gives you more than just reward points and airport lounge access. Along with the generous American Express membership rewards you’ll earn, you’ll also get pretty extensive travel insurance coverage with The Platinum Card® from American Express. Here’s everything you need to know about Amex Platinum Card travel insurance.
The best cards offer additional benefits and protections apart from their rewards. The Platinum® Card from American Express is no different. Amex Platinum Card travel insurance includes travel cancellation and interruption insurance*, travel delay insurance**, car rental insurance*** and baggage insurance****. You also get access to the American Express Premium Global Assist Hotline*****.
In most cases, you need to pay for the trip with your Amex Platinum Card to get travel insurance coverage, which is usually secondary. This means that your American Express card’s coverage only starts after you’ve paid off any primary insurance you have.
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Up to $2,000 per person traveling for checked baggage and up to $3,000 per person traveling for carry-on luggage
Amex Platinum Card travel insurance starts with generous trip cancellation and interruption cover. If your trip is canceled or disrupted and you end up losing money on non-refundable, pre-booked travel expenses such as hotels or tours, you can claim a refund using this benefit. It covers up to $10,000 for a trip and $20,000 for a 12-month period. Conditions apply.
To qualify for coverage, you must purchase the entire round trip with your ticket. Also, the trip must be canceled or postponed for a covered reason – simply changing your mind won’t do it. Covered causes include cancellation or disruption due to accidental injury, loss of life, illness, severe weather, military orders, jury duty, act of terrorism, uninhabitable accommodations and physician-imposed quarantine.
If you’ve ever been stuck in a foreign city overnight thanks to a flight delay, you know how quickly the expenses can add up. Whether you need to pay for accommodation, food or toiletries, you may be able to get reimbursed through your Amex Platinum Card travel insurance.
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To qualify for this travel insurance benefit, your trip must be delayed for at least six hours, and the delay must be for a covered reason. These include inclement weather, an act of terrorism, lost or stolen travel documents, and common carrier equipment failure. Thanks to your American Express card, you’ll get up to $500 per trip and you can make up to two claims per 12-month period. Conditions apply.
When you rent a car, you can use your Amex Platinum Card travel insurance to cover damage or loss. You will need to pay for the rental with your card and decline the rental agency’s collision damage coverage. This benefit covers up to $75,000 in damages or theft of the vehicle. You will also receive limited coverage for accidental death and dismemberment, accidental injury and personal property coverage for car rentals. Conditions apply.
Certain vehicle types, such as vans, vintage cars and RVs, are not covered. Coverage is also not valid in selected countries. Finally, this is secondary coverage. This means you must make a claim with your primary cover, such as a personal car insurance policy, before you can make a claim on your Amex Platinum Card travel insurance. You will then be reimbursed for any covered damage or loss not reimbursed by your primary insurer.
If your luggage is damaged or lost by a common carrier during your trip, you may be able to get a refund using your Amex Platinum card benefits. You’ll get up to $2,000 per person per trip for checked bags and $3,000 for carry-on. Conditions apply.
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Your trip is covered as long as you paid for it with your Amex Platinum card. Cover is extended to you, your spouse or partner and your dependent children. Certain items are not covered, such as credit cards, documents, coins, eyeglasses, sunglasses, hearing aids, prosthetic devices, and prescription drugs.
You will need to file a claim for reimbursement with the common carrier and any other travel insurance you have first. You can then make a claim on your Amex Platinum Card travel insurance for anything that wasn’t refunded. Airlines are notorious for offering meager refunds for lost or damaged luggage, so this perk can really come in handy.
This 24/7 hotline is available to all cardholders as part of the Amex Platinum Card travel insurance benefits. The center offers assistance in planning a trip as well as general assistance in travel, finances, legal and medical.
This is simply a hotline, so in most cases, you have to pay for any third-party services you receive. For example, if the hotline provides you with a referral to a lawyer or an emergency cash transfer service, you still have to pay the cost of hiring a lawyer or wiring money.
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This benefit covers the cost of several emergency medical services. If you need evacuation or emergency medical transport, for example, your Amex Platinum Card travel insurance will cover the full cost as long as it’s coordinated through the Global Assist Hotline. If you are traveling alone and end up hospitalized for 10 consecutive days or more, this center can arrange for you to have an elderly family member travel by your bedside. Round trip economy transportation will be covered. This benefit also covers the cost of returning the remains.
You can file a claim quickly and easily by logging into your Amex Platinum Card account. You’ll want to have any important documents close at hand, such as receipts, medical paperwork, or airline documentation. If the cover you are looking for is secondary, you will need to make a claim with your primary cover first.
There is no doubt that the Amex Platinum Card travel insurance is a valuable benefit. Many other American Express cards offer similar value protections. The best airline tickets are also an option for frequent flyers, although they may not offer as extensive insurance.
We hope you won’t need to use it, but if you ever do while traveling, Amex Platinum Card travel insurance can help you keep costs to a minimum.
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Elizabeth is a personal accountant specializing in credit cards, debt repayment and small businesses. Her work has appeared in The Motley Fool, MSN Money, Yahoo! Finance, and Business Insider. She is an avid credit card points collector and frequent traveler currently residing in Costa Rica.
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*The maximum benefit amount for trip cancellation and interruption insurance is $10,000 for a covered trip and $20,000 for an eligible ticket for a period of 12 consecutive months. The level of eligibility and the benefit vary depending on the card. Terms, conditions and restrictions apply. Please visit americanexpress.com/benefitsguide for more details. Guaranteed by the New Hampshire insurance company, AIG.
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**Up to $500 for a covered trip that is delayed more than 6 hours; and 2 claims per eligible card per period of 12 consecutive months. The level of eligibility and the benefit vary depending on the card. Terms, conditions and restrictions apply. Please visit americanexpress.com/benefitsguide for more details. Guaranteed by the New Hampshire insurance company, AIG.
***Car rental loss and damage insurance can provide up to $75,000 in coverage for theft or damage to most rental vehicles when you use your Eligible Card to book and pay for any Eligible Vehicle Rental and decline the collision or similar damage waiver. An option offered by the commercial vehicle rental company. This product provides secondary coverage and does not include warranty coverage. Not all vehicle types or rentals are covered.