What Does American Express Travel Insurance Cover
Like all travel insurance plans, AMEX covers the basics, including:
- Trip cancellation & trip interruption insurance
- Emergency medical expenses
- Delayed baggage
- 24/7 worldwide assistance
As youll soon discover, though, the degree of coverage you get through American Express travel insurance plans is sorely lacking. Well break down specific coverages towards the end of our review. First, lets talk about the main gripe we have with AMEX as it pertains to travel insurance: cancel for any reason coverage.
How To Make A Travel Insurance Claim With American Express
Before filing a claim using your Amex travel insurance benefits, you need to use your primary policy or file with the common carrier first. Remember that the coverage provided by your American Express card is secondary, meaning you wont be reimbursed until youve exhausted your other policies first.
After that, file a claim with Amex as soon as possible. Check your benefits guide to find out how long you have to make a claim and read about the terms of your policy.
You can start your claim using the following numbers and websites:
- For baggage insurance claims: 1-800-645-9700 or online
- For car rental insurance claims: 1-800-338-1670 or online
- For trip delay, cancellation and interruption insurance claims: 1-844-933-0648
Next, American Express will provide you with claim forms and instructions for filing proof of loss. You can find examples of which documentation may be required in your benefits guide.
Will My Credit Card Travel Insurance Cover Any Trip Cancellations Or Changes From Monkeypox Or Coronavirus
It depends the key is whether you choose to cancel a trip, or if you have no control over the decision and the choice is made for you.
Assuming these factors are true, your credit card will cover a canceled trip when you meet “covered situations,” which typically include:
- Accidental bodily injury, loss of life or sickness experienced by you, a traveling companion or an immediate family member
- Severe weather that prevents the start or continuation a trip
- Terrorist attack or hijacking
Precautionary cancellations aren’t likely to be covered. So if you’re worried about traveling for fear of contracting monkeypox or coronavirus and choose to cancel or change your trip, there are slim chances your credit card travel insurance will provide reimbursement.
For example, the Chase Sapphire Reserve®’s guide to benefits states that “your disinclination to travel due to an epidemic or pandemic” is not covered by its trip cancellation and trip interruption.
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How To Make An Amex Travel Insurance Claim
To file a claim, youll need to contact your benefit administrator. The phone number and timeframe will vary according to the type of insurance youre using:
Trip cancellation, interruption or delay insurance: Within 60 days, call 844-933-0648.
Baggage insurance: Within 30 days, call 800-228-6855 or online.
Rental car insurance: Within 30 days, call 800-338-1670 or online.
» Learn more:The guide to AmEx Platinum rental car benefits
Reasons To Use The Amex Platinum
- Provides an emergency medical evacuation benefit to cardmembers regardless of whether you charged any trip expenses to the card.
- Covers traveling companions for trip delay insurance and trip cancellation/interruption insurance when you purchase their round-trip fare with your card.
- May reimburse additional transportation expenses to rejoin the common carrier covered trip or return to the place of origin also may cover the purchase of tickets for a new departure, under trip interruption insurance.
- Includes lost or stolen passports or travel documents as an eligible reason for trip delay insurance.
- Has a higher cap on high-value items for lost, damaged or stolen baggage.
- Some readers have found the claim process to be more straightforward and simple.
OFFICIAL APPLICATION LINK: The Platinum Card from American Express
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Chase Credit Card Travel Insurance
There are several Chase credit cards that offer travel insurance protections.
While most plans we’ve seen limit benefits and payouts to just your spouse and children, Chase credit card travel insurance has some of the most inclusive definitions for who counts as an
Not only does Chase travel insurance provide users with expansive coverage, the maximum payouts in the respective categories are higher than most.
For trip cancellation insurance, for example, users are covered up to $10,000 dollars per person and $20,000 per trip – this makes the Chase Sapphire Reserve® one of the best credit cards with trip cancellation insurance.
Services Provided By Premium Global Assist Hotline
The hotline isnt so much a concierge as a service that provides logistical assistance, which can include the following:
General travel advice
Emergency translation if you need an interpreter to help with legal or medical documents .
Lost item search if your belongings are lost while traveling.
Missing luggage assistance if an airline loses your luggage. The hotline will contact your airline on a daily basis on your behalf to help locate your bags.
Passport/credit card assistance if your credit card or passport is lost or stolen.
Urgent message relay if you need to contact a family member and/or friend in the event of an emergency.
Emergency medical transportation assistance if the cardmember or another covered family member traveling on the same itinerary gets sick or injured and needs medical treatment .
Physician referral if you need a doctor or dentist .
Repatriation of remains in the event of death.
Emergency wire service to get help obtaining cash .
Emergency hotel check in/out if your card has been lost or stolen.
Bail bond assistance if you need access to an agency that accepts AmEx .
Embassy and consulate referral if you need help finding or accessing local embassies.
English-speaking lawyer referral if youre traveling and need a list of available attorneys .
To use this benefit, call the Premium Global Assist Hotline toll-free at 1-800-345-AMEX . You can also call collect at 715-343-7979.
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American Express Trip Cancellation Insurance Options
The Basic package is all about affordable peace of mind. It includes moderate coverage for trip interruption, trip cancellation, and global baggage protection. Coverage for medical expenses is more generous, and medical evacuation is included too. Costs start at less than $100, making it the perfect choice for frugal adventurers.
The costs of the Silver package are about double that of the Basic package. But for the price, you get a lot more bang for your buck. The coverage levels in every category are significantly higher. For instance, while the Basic package offers up to $1,000 for Trip Interruption coverage, the Silver package offers up to 100% of the trip cost. Medical coverage is up to 5 times as comprehensive as whats offered in the Basic package. Theres also extra coverage for a Global Trip delay. Given that rates for the Silver package can still be less than $100, this is an extremely high-value package.
The Gold package really shines with Trip Interruption and Global Baggage Protection. This is an excellent choice for anyone who feels comfortable with the amount of medical coverage offered at the Silver level but wants to have extra protection for their trip-of-a-lifetime investment. If youre heading on safari with awesome new travel gear, this is the package for you.
Scotiabank Passport Visa Infinite* Card
Earn up to $1,320* in value in the first 12 months, including up to 40,000 bonus Scene+ points and first year annual fee waived.¹ Earn 30,000 bonus Scene+ points by making at least $1,000 in everyday eligible purchases in your first 3 months. Plus, as a cardholder, you are eligible to earn an annual 10,000 Scene+ point bonus when you spend at least $40,000 in everyday net eligible purchases annually. Offer ends April 30, 2023.
The Scotiabank Passport Visa Infinite* Card is a good option if you want the frills of a premium card but without paying a hefty annual fee. The trip cancellation insurance is first-rate: cardholders are automatically insured for up to $2,500 per person for eligible expenses when you charge at least 75% of such trip expenses to your card and are forced to cancel/interrupt your trip for eligible causes. Also covered by this policy are your spouse, one travelling companion, and your eligible dependent children travelling with you.
¹ Conditions Apply. Visit here for the Scotiabank Passport Visa Infinite* Card to learn more.
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Trip Delay Insurance On Amex Cards
In January of 2020, American Express also rolled out an upgraded trip delay insurance benefit for many of its top rewards credit cards. While this perk may seem like an unusual one, there are so many scenarios where trip delay coverage could help you save money and avoid surprise expenses when travel is delayed beyond your control.
With trip delay coverage from Amex, you can be reimbursed for up to $500 per trip for hotel stays, meals, and other miscellaneous required expenses when your flight or other trip plans are delayed by more than six hours. If you’re sitting at the airport and your flight is suddenly delayed until the next morning, for example, you could use this coverage to get reimbursed for a nearby airport hotel and your dinner, then for an Uber or Lyft ride back to the airport.
To qualify for American Express trip delay coverage, you need to pay for your round-trip travel expenses with a common carrier with your credit card.
Amex cards that come with trip delay coverage include:
- The Platinum Card® from American Express
- American Express® Gold Card
- Delta SkyMiles® Reserve American Express Card
- Delta SkyMiles® Platinum American Express Card
- Hilton Honors American Express Aspire Card
- The Business Platinum Card® from American Express
- American Express® Business Gold Card
- Delta SkyMiles® Reserve Business American Express Card
- Delta SkyMiles® Platinum Business American Express Card
Summary Of Our American Express Travel Insurance Review
American Express is a well-recognized name brand, and their AMEX Assurance Company is a trusted provider of travel insurance plans, all of which include coverage for foreign and domestic terrorism, hurricanes, financial default, mandatory evacuations, and more.
AMEX travel insurance plans come with pre-trip planning assistance to help with embassy information, weather forecasts for the insureds destination, foreign exchange rates, visa and passport requirements as well as vaccination recommendations.
American Express offers four package plans with no age limits, but their website can be confusing to use partly because American Express Travel Insurance is not available to residents of all U.S. states but also because their plans come with trip length limits.
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How To Make A Claim With Chase
If youre looking to make a claim with Chase, there are a few steps youll want to take:
How To Use Credit Card Travel Insurance
The first step to using credit card travel insurance is to use the credit card in question to pay for your trip. You’ll also want to be aware of what is and is not covered. That can help guide your decisions if something goes wrong while you’re traveling. There are few things worse than paying for something you think will be reimbursed by your credit card travel insurance only to have your claim denied.
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Top Credit Cards For Trip Interruption And Trip Cancellation Insurance
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With roughly 15% of US travelers having to cancel or change their travel plans each year, investing in quality travel insurance is a must. But one of the issues with travel insurance is it can be prohibitively expensive, with 3rd party insurance plans increasing the cost of travel by as much as 10%.
If you carry a rewards card in your wallet, chances are you already have access to some form of travel insurance, with many cards featuring a variety of travel protection policies that have your back when something goes wrong. And the cost of this coverage? For the majority of providers, the policy is free of charge, the only qualifying factor being you use the card to pay for the travel you want to be covered.
Overview Of The Travel Insurance Provided By These Cards
* Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for details. Policies are underwritten by New Hampshire Insurance Company, an AIG Company.^ Eligibility and benefit level varies by card. Not all vehicle types or rentals are covered, and geographic restrictions apply. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for details. Policies are underwritten by AMEX Assurance Company. Coverage is offered through American Express Travel Related Services Company, Inc.# Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for details. If approved and coordinated by Premium Global Assist Hotline, emergency medical transportation assistance may be provided at no cost. In any other circumstance, cardmembers are responsible for the costs charged by third-party service providers. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for details. Policies are underwritten by AMEX Assurance Company.
As you can see in the table above, the Amex Platinum doesnt provide baggage delay insurance, emergency medical and dental benefits, roadside assistance or travel accident insurance. For brevity, I wont discuss the types of insurance the Amex Platinum doesnt provide any further in this guide.
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What American Express Baggage Insurance Covers
Another valuable travel insurance benefit available to some Amex cardholders is baggage insurance. Its also secondary coverage, meaning you can receive compensation after being reimbursed by the carrier.
The level of protection varies by card, with premium cards offering more coverage.
|Business Green Rewards Card from American Express*
To calculate the amount needed to cover repairs, Amex compares the actual cost of repairs, the cars wholesale book value and purchase invoice price. The most cost-effective option becomes the reimbursement amount.
Note that the policy only covers rentals for up to 30 consecutive days, and not all cars are included. For example, the policy excludes commercial vehicles, certain types of vans and trucks, cars that are at least 20 years old, limousines and some other types of vehicles. Additionally, this travel benefit doesnt work for car rentals in Australia, Italy, New Zealand or any country thats subject to U.S. sanctions.
Its essential to read your benefits guide carefully since there are many other instances in which damage to your car rental wont be covered. And keep in mind that like other travel insurance benefits American Express offers, its car rental insurance policy is secondary to any other coverage you may have.
How Good Is The Travel Insurance Provided By Amex Cards
American Express offers a solid range of travel insurance protection across its credit cards, with the premium cards providing the most coverage. However, if you need insurance benefits with higher limits, we recommend purchasing a . If you only need emergency medical coverage, there are policies that provide that as well.
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Car Rental Loss And Damage Insurance
When you decline the collision damage waiver offered by the car rental agency, you will be covered if the car is damaged or stolen through your AmEx Travel Insurance. Depending on the card you have, the coverage is either $50,000 or $75,000.
In addition, the cards offering car rental damage and theft insurance up to of $75,000 also provide secondary benefits:
Accidental death or dismemberment coverage.
Accidental injury coverage.
Car rental personal property coverage.
To qualify, you must decline the personal accident coverage and personal effects insurance provided by your car rental company.
The entire rental must be charged on the American Express credit card to receive coverage for car rental loss and damage. And keep in mind that you do still need liability insurance when making your rental car reservation , as these credit card-provided coverage options don’t include personal liability.
American Express lists over 50 different cards on their site that come with one of the two forms of car rental insurance. Cards that link to the Tier 1 policies are the $50,000-coverage cards, and Tier 2 policies are the $75,000 cards.
The amount reimbursed is calculated as whichever is lowest:
The cost to repair the rental car.
The wholesale book value .
The invoice purchase price .
Here are some key exclusions to be aware of with this coverage:
Free Overseas Travel Insurance Cover From Allianz Insurance Lanka Ltd Is Available To You And Your Family When You Purchase Your Entire Return Air Ticket Using Your American Express Card
Free overseas travel insurance cover from Allianz Insurance Lanka Ltd Is available to you and your family when you purchase your return air tickets using your American Express card. This cover will enable travel accidental & medical cover, trip delays, trip cancellations as well as baggage loss and delays.
Diamond Club benefits from Allianz Insurance is a special benefit exclusively for American Express Cardmembers. Now Cardmembers between the age of 76- 80 are entitled to overseas Travel Insurance benefits provided the return air ticket has been charged to the American Express Credit Card. Refer above mentioned schedule of benefits.
If you are an American Express Cardmember between the age of 76- 80 you receive cover and benefits under the Diamond Club range of benefits.
to view the Travel Insurance Policy
Allianz Insurance Lanka Ltd. will reimburse expenses you incurred in celebrating the achievement of a hole-in-one, any where in the world excluding Sri Lanka, in a United States Golfers Association recognized golf course subject to the maximum limit in the Schedule of Benefits.
Grand Prix Special
When you purchase an entry ticket to the grand prix races anywhere in the world excluding Sri Lanka using the American Express® Card, and if the event is cancelled due to adverse weather conditions, Allianz Insurance Lanka Ltd. will reimburse you up to the limit specified in the Schedule of Benefits for the cost of the entry ticket.
Tennis Winning Sets
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