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American Express Travel Protection Benefits
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Amex Platinum Card 2023 Review
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Amex cards from Platinum to Everyday Preferred now offer trip cancellation coverage and more — here’s everything you need to know.
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While credit card insurance and travel protection coverage are considered secondary to rewards programs and other cardholder benefits, these benefits can be just as important if you travel.
When you pay for travel with a credit card that offers trip cancellation and interruption insurance, for example, you may be reimbursed for your travel expenses if your vacation is interrupted due to force majeure. Meanwhile, travel delay insurance allows you to be compensated for an unplanned hotel stay near the airport during your flight, when your travel delay causes unexpected expenses.
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Chase credit cards like the Chase Sapphire Reserve® and Chase Sapphire Preferred® Card have stood out for years in terms of the protection they offer, along with some of the highest limits out there. Still, American Express is still coming — 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 hoping to take advantage of valuable travel benefits, consider the cards below and their expanded travel protections.
Here we focus on the rewards and benefits that come with each card. These cards are not worth it if you are paying interest or late fees. When using a credit card, it’s important to pay your balance in full each month, make on-time payments, and spend only what you can afford.
New trip cancellation and interruption insurance from American Express credit cards gives you up to $10,000 in coverage (and up to $20,000 per account per year) that you can use to offset prepaid travel expenses like airfare and hotels. This cover can be useful if your trip is canceled for reasons beyond your control, or if you are stuck at your destination and require a long layover and additional expenses before returning home.
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Note that this coverage is good for complimentary travel booked with your credit card, which means you must co-pay with your American Express credit card to qualify.
Other versions of the Amex Platinum card — including Goldman Sachs, Morgan Stanley and corporate flavors — also offer this coverage, as are all versions of the Amex Centurion (Black) card, which is invitation-only.
In the year In January 2020, American Express rolled out enhanced travel delay insurance benefits for many of its top rewards credit cards. While this benefit may seem unusual, there are many situations where travel delay coverage can help you save money and avoid unexpected expenses when a trip is delayed beyond your control.
With Amex travel delay coverage, you can be reimbursed up to $500 per trip for hotel stays, meals, and other miscellaneous expenses when your flight or other travel plans are delayed by more than six hours. If you’re sitting at the airport and your flight is unexpectedly delayed until the next morning, you can use this coverage to, for example, pay for a nearby airport hotel and dinner, then Uber or Lyft back to the airport. .
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To qualify for American Express travel delay coverage, you must pay your cruise expenses with your credit card through a common carrier.
A few American Express credit cards also offer baggage insurance plans, although this is not a new or improved benefit from the card issuer. This cover can be useful if your luggage is lost or stolen during a covered trip. You must pay for travel (airfare, cruise fare, etc.) with an American Express credit card to qualify for this coverage.
The amount of coverage you receive depends on your card. For example, baggage insurance from The Platinum Card® from American Express offers coverage up to $3,000 per person for carry-on bags and up to $2,000 per person for certain checked bags.
With baggage insurance with the Amex Everyday® Preferred Credit Card, on the other hand, you’ll only be eligible for up to $1,250 of coverage per person for one carry-on bag and up to $500 per person, even though it has an additional benefit. $250 is available for qualifying “high risk items” such as jewelry or sports equipment.
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Some American Express cards offer secondary car rental coverage, which means that this coverage kicks in after other policies are exhausted, as opposed to primary car rental coverage.
Note that while this benefit applies to many Amex cards, coverage limits may vary. For example, with the Amex Gold Card, coverage is limited to $50,000 per rental agreement for damage or theft, while 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 certain accidental death or bodily injury coverage that varies by card. In, for example, you get coverage of up to $200,000 per person and up to $300,000 in car accidents for accidental death and dismemberment. Be sure to read your credit card’s terms and conditions to find out exactly how much coverage you have.
While American Express offers travel accident insurance on some of its cards, this coverage has been dropped effective January 1, 2020. A hotline is also available for American Express Roadside Assistance, which is no longer available.
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Still, American Express rewards and travel credit cards offer plenty of protection for consumers paying for travel by credit card. If you’re on the verge of signing up for a new credit card, be sure to compare card options and all of their benefits before you decide.
Insider ratings are determined by our editorial team. The rating system takes into account a variety of factors and evaluates cards against others of the same type so you can choose the card that best suits your goals.
Earn 5X Membership Rewards points on flights booked directly with airlines or with 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 on your new card after you spend $8,000 on purchases in your first six months of card membership
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If you want as many premium travel benefits 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 perks like airport lounge access, travel statement credits, extra hotel elite status, and more.
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