- American Express Travel Insurance Benefits
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American Express Travel Insurance Benefits
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If something goes wrong during your trip, American Express travel insurance can protect you financially. Most American Express cards come with free travel protection. The exact protection depends on the card, but it can include cover for trip cancellation, loss of luggage and loss or damage to the rental car.
This guide will go over all the travel insurance benefits you can get with your Amex card. You’ll learn how these protections work, what they do and don’t cover, and the types of coverage that all American Express consumer cards provide.
American Express offers a baggage insurance plan on many of its cards. Coverage is comparable to what the best credit cards offer. You can make a claim if something happens to your checked or hand luggage*.
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American Express Baggage Insurance covers baggage that is lost, stolen or damaged while traveling on a common carrier. According to American Express, a common carrier is an air, land, or water vehicle that is licensed to carry passengers for hire and is available to the public. This does not include personal or rental vehicles.
To apply for the Baggage Insurance Plan, you must pay the full fare with an American Express Card or American Express Rewards Points. It applies to the cardholder, his/her spouse/partner and dependent children under the age of 23.
Several items are excluded. This includes cash, travel documents, live plants, perishables, glasses and property sent as cargo. There are also some circumstances that are not included in the baggage insurance. For example, it does not apply to the usual removal of luggage and confiscation by the government.
Check your card’s benefits guide for a complete list of everything not covered by the baggage insurance plan. Terms and conditions apply to all cards in the table below.
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Source: American Express. Cover under the Baggage Insurance Plan may apply to Insured Persons for Eligible Baggage lost, damaged or stolen while they are traveling by ordinary means of transport (such as by plane, train, ship or bus) if the full fare for the ticket for the trip (one-way or round-trip) is charged to the corresponding card. Coverage may be provided for up to US$2,000 per Checked Baggage and up to a combined amount of US$3,000 per Checked Baggage and Carry-on Baggage in excess of the coverage provided by the Common Carrier. Coverage is also subject to an aggregate limit of $3,000 per trip. For New York State residents, there is a limit of $2,000 per bag/suitcase per covered person, with an aggregate maximum of $10,000 for all covered persons per covered trip .
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Most American Express cards offer a secondary rental car insurance policy. Secondary insurance pays for loss and damage not covered by other insurance policies**.
If you rent a car and pay the entire rental with your card, you will be insured against damage or theft. Car rental loss and damage insurance covers car rentals for up to 30 consecutive days. Coverage includes the cardholder, his/her spouse/domestic partner and authorized drivers under the rental agreement.
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You will need to pay the full cost of the rental with an American Express card or American Express Rewards Points. You must also waive the rental company’s waiver as a result of the collision.
American Express car rental loss and damage insurance does not apply to all vehicles. Several types of vehicles, such as cargo vans and SUVs, are not included.
See your card benefits guide for a full list of what’s not covered. Terms and conditions apply to all cards in the table below.
Source: American Express. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographical restrictions apply.
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Delaying your trip can be expensive, especially if you have to pay for food and lodging. If the delay is due to a covered peril, you may be able to claim part of the cost back with trip delay insurance***.
Your travel insurance will cover the reasonable costs of the delay. These may include, but are not limited to, food, accommodation, toiletries, medicine and other personal items.
To be eligible, you must pay the full amount of your trip with an American Express card or American Express Rewards Points. You must also travel on a common carrier.
American Express Travel Delay Insurance does not cover expenses incurred before your trip. It also does not cover damages caused by intentional acts of the traveler. One example of this would be when an airline has an overbooked flight and offers vouchers for passengers who give up their seats and fly later. If you had applied voluntarily, you would not have been able to make a claim on travel delay insurance. In such a case, the delay is due to your decision to forgo the original flight in exchange for the voucher.
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Check your card’s benefits guide for more information on what travel delay insurance does and doesn’t cover. Terms and conditions apply to all cards in the table below.
Trip cancellation and interruption insurance*** can help you get your money back if your travel plans go off course. Fewer American Express cards offer this protection, as this is usually a benefit of premium travel cards.
If you have to cancel your trip due to illness or bad weather, trip cancellation insurance can help. Let’s say you paid a non-refundable deposit. You may be reimbursed within the card’s coverage limit.
Similarly, your trip may be interrupted or delayed due to a covered loss. Trip interruption insurance compensates for certain expenses.
American Express Travel Insurance Benefits
You must pay the full amount of your trip using an American Express card or American Express Rewards Points. You will also need to travel on a common carrier.
Trip cancellation insurance and trip interruption insurance are technically two separate types of insurance. Coverage limits apply to each one separately. For example, the Platinum Card® from American Express has coverage limits of $10,000 per trip and $20,000 per 12-month period. This means you can get up to $20,000 in travel cancellation coverage and up to $20,000 in trip interruption coverage within 12 months. Terms and conditions apply to all cards in the table below.
Global Assist**** is a travel assistance hotline that you can call when you are on or planning a trip. American Express offers its Global Assist hotline to all US cardholders. High-end American Express cards have a Premium Global Assist hotline with additional benefits. Global Assist and Premium Global Assist are available free of charge. However, the cardholder may be responsible for any charges incurred by third party service providers.
Global Assist offers several services, including emergency cash transfer services and medical assistance. If you are traveling more than 100 miles from your US billing address, you can call the hotline 24/7 for medical, legal, financial or other individual services. To qualify for travel assistance, the trip must also begin within the last 90 days.
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Premium Global Assist has several additional benefits. It may provide certain benefits free of charge, such as emergency medical transportation and repatriation of remains. It also offers the following:
All US American Express cards are eligible for Global Assist. The following consumer cards offer Premium Global Assist:
As you can see, American Express cards have all kinds of free travel insurance protection. American Express also tends to be easy to deal with claims. It typically provides these insurance policies itself instead of using third-party providers, as most card issuers do.
If you’re looking for a new card, and especially if you’re a frequent traveler, be sure to check out travel insurance benefits when comparing credit cards. And if you already have an American Express card, it’s important to know what types of travel insurance are available to you.
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Lyle Daly is a personal finance writer specializing in credit cards, travel rewards programs and banking. He writes for The Ascent and The Motley Fool, and his work has appeared in USA Today and Yahoo! Finances. He was born in California, but now lives as
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