American Express Cards: Travel Insurance Benefits Guide [In-Depth]

Whenever you book a segment of a trip, you’ll often see an option to purchase travel insurance to protect your adventure. That can often be a good idea, especially if you’re planning a bigger or more expensive trip (though you may be better off getting insurance from a third party instead of the travel provider).

But did you know that a lot of different credit cards come with their own travel insurance benefits? This is a great feature that’s included in the cost of your annual fee, but it’s one that many people don’t realize they have or know how to use.

In this article, we’ll look specifically at the Amex travelc insurance benefits included with several of their cards, including what’s covered, what isn’t covered, and when you should consider purchasing additional insurance. Keep in mind that terms may apply and enrollment may be required, so ensure you double-check your enrollment within your American Express account.

A Summary of Travel Insurance Benefits for Amex Cards

Trip Interruption and Cancellation Insurance

If your trip is either interrupted or canceled, you’ll probably want to look into getting reimbursed for associated expenses. With regards to American Express, you need to have booked a “covered trip” or have your flight canceled for a “covered reason.”

If you read through the actual policies of Amex, it can get quite confusing quite quickly. You’ll often see a reference to a “common carrier.” A common carrier is simply a method of air, land, or water public transportation (like an airplane, train, bus, or cruise ship).

A “covered trip” is defined as a round-trip ticket booked entirely with your eligible card. This covers more than a single round-trip ticket booked altogether in 1 reservation. You must begin your travel in the same city you return to. Also, the duration of travel can’t exceed 365 days away from the origin.

Lastly, the period of travel may consist of round-trip, one-way, or combinations of round-trip and one-way tickets with common carriers. Anecdotally, paying for taxes and fees on an award ticket and Pay With Points are “covered trips.”

A “covered reason” includes inclement weather, terrorist action, call to jury, sudden illness, or injury to you or an eligible traveler.

Which American Express Cards Offer This?

Before you think about trying to get reimbursed, you need to figure out which Amex cards offer trip cancellation and interruption insurance. Currently, these Amex cards offer trip cancellation and interruption insurance:

Additionally, all of these cards have the same level of coverage — you are eligible for up to $10,000 of non-refundable travel expenses for up to $20,000 per account in a rolling 12-month period.

Trip Delay Insurance

Trip delay insurance is designed to cover unforeseen circumstances that delay your flight but don’t merit a cancellation. To qualify, you need to have booked a “covered trip” and your flight should be delayed for a “covered reason.”

Here are examples of “covered reasons”:

• Inclement weather, which prevents a reasonable and prudent person from traveling or continuing on a covered trip (e.g. severe weather that delays the scheduled arrival or departure of a common carrier)
• Terrorist action or hijacking
• A common carrier’s equipment failure, as documented by the common carrier
• Lost or stolen passports or travel documents

Once you qualify, you’ll get reimbursed for “reasonable additional” expenses. “Reasonable additional” expenses include, but are not limited to meals, lodging, toiletries, medication, and other personal use items.

Which American Express Cards Offer This?

There are 2 tiers of trip delay insurance with Amex.

The first tier covers up to $500 for a delay of more than 6 hours, and these Amex cards offer this:

The second tier covers up to $300 for a delay of more than 12 hours, and these Amex cards cover this:

Rental Car Insurance

Rental car insurance is one of the most important considerations of vacation transportation logistics. At face value, rental car insurance sounds like a sales pitch when you’re renting a car.

However, should something happen to your rental car, which is not always in your control, you could be shelling out thousands of dollars to resolve the issue! If that doesn’t sound like fun, you should absolutely consider rental car insurance, which is also known as a car rental collision damage waiver.

Primary car rental insurance automatically kicks in, and it will cover loss or damages except for liability, damage to other cars or personal property, or personal bodily injury or to other people.

Secondary car rental insurance kicks in as a backup. You’ll have to file a claim with your personal insurance, and secondary insurance only covers whatever your personal auto insurance doesn’t.

Hot Tip: Want more cards with this coverage? Explore our guide on the best credit cards for car rental insurance.

Which American Express Cards Offer This?

There are currently no Amex cards that offer primary rental car insurance. However, these cards all offer secondary car rental insurance:

Lost, Damaged, and Stolen Baggage Insurance

American Express is also generous when it comes to baggage insurance.

When you have the ultra-premium Amex cards, you can get coverage for lost, damaged, or stolen baggage, which is up to $2,000 for checked luggage, with a combined maximum of $3,000 for checked and carry-on baggage per covered person. Note that there’s a total maximum limit of $10,000 for everyone on the trip combined.

When you have some premium Amex cards, you can get coverage for lost, damaged, or stolen baggage, which is up to $500 for checked luggage, with a combined maximum of $1,250 for checked and carry-on baggage per covered person. Note that there’s a total maximum limit of $10,000 for everyone on the trip combined.

As is often the case with credit card-provided insurance, you’ll need to use your Amex Platinum card to pay for the entire fare for this coverage to take effect. Remember that Pay With Points is covered under this, but not award ticket taxes and fees.

A handy benefit feature of this baggage insurance is that the primary cardholder, his or her spouse or domestic partner, and any dependent children (under 23) are all included. That means that if you’re on a family trip and something happens to everyone’s luggage, you’ll all be covered.

Hot Tip: Keep in mind that coverage applies to baggage during a trip on a common carrier, such as a plane, train, bus, ship, or other public modes of transportation. If something happens to your bags during a vacation (but not during your flights), then it won’t be covered.

Something to keep in mind is that the policy considers certain items to be “high-risk,” and caps coverage of these items at $1,000 per person for ultra-premium Amex cards and $250 per person for premium Amex cards. High-risk items include:

• Jewelry
• Sporting equipment
• Cameras or photography gear
• Computers and electronics
• Precious metals
• Fur clothing

The insurance policy also excludes items like cash, travel documents, and certain medical items like eyeglasses, contact lenses, or prosthetic limbs. Just about everything else, though, should be covered.

The first step to file a claim is to reach out to the Amex claims processing department. Your best option is to call and have a customer service agent walk you through the process. The number is 800-645-9700 or collect from overseas at +1-303-273-6498.

Note that Amex baggage insurance coverage (like the car rental insurance) is secondary, in this case, to the common carrier’s coverage. That means that the policy will only pay after the carrier pays, so you’ll have to file a claim with the carrier first.

If that claim is denied, or if it doesn’t cover the full cost of your luggage and contents, then the Amex plan is applicable.

Bottom Line: The baggage insurance included with your Amex card can help cover the cost of lost or ruined clothing, personal items, and more. Remember that to make a claim, you’ll need to use the card to pay for your full fare.

Which Amex Cards Offer This?

As mentioned above, there are 2 tiers of lost, damaged, or stolen baggage insurance.

The first tier covers $2,000 for checked baggage, $3,000 for carry-on baggage, for a per-person total of $3,000 and a per-group total of $10,000. Lastly, there’s coverage of high-risk items of $1,000 per person.

Here are the Amex cards that offer this benefit:

The second tier covers $500 for checked baggage and $1,250 for carry-on baggage for a per-person total of $1,250 and a per-group total of $10,000. Lastly, there’s coverage of high-risk items of $250 per person.

Here are the Amex cards that offer this benefit:

Delayed Baggage Insurance

Delayed baggage insurance covers your baggage if your bags are late to arrive after a particular flight. Usually, it covers you on a per-day basis for reimbursement of essentials while your baggage is away from you.

Which Amex Cards Offer This?

While some cards offer delayed baggage insurance, there are no Amex cards that offer delayed baggage insurance.

Premium Global Assist and Global Assist

Premium Global Assist

The Premium Global Assist Hotline is a great feature that comes with several Amex cards, although the Amex Platinum card has the most extensive service.

You can call the Premium Global Assist Hotline any time you’re 100 miles or more away from home and need logistical help… big or small. This differs from the card’s concierge service, which is useful for things like shopping help, booking tickets, or getting restaurant recommendations and reservations.

It’s more for things like:

• Help replacing a lost passport
• Canceling lost credit cards
• Emergency translation/interpretation services
• Help finding a lost item
• Help dealing with lost luggage, including staying on top of the airline until it’s found
• Emergency legal or medical referrals
• Emergency medical evacuation/transportation
• Urgent message relay in the event you can’t get in touch with family or friends during an emergency

Hot Tip: You can reach the Premium Global Assist Hotline at 800-345-AMEX (2639) or collect (when calling from abroad) at +1-715-343-7979.

The hotline can also help with certain aspects of planning your trip (again, think “logistics,” not “entertainment”) such as:

• Customs and passport information, including figuring out what visas you’ll need and how to apply, or what you can and can’t bring into the country
• Cultural information, like questions about currency, tourist office locations, or even tipping etiquette
• Foreign exchange rates
• Recommendations for inoculations before traveling to certain regions
• Weather trends and forecasts

The medical assistance is particularly valuable should there ever be a situation requiring it, such as getting sick while in a foreign country where you don’t speak the language.

If you’re traveling and fall ill or become injured, and you’re somewhere where you can’t get adequate treatment, the Global Assist Hotline’s medical team can arrange and cover expenses for transportation to definitive care closer to home.

Hot Tip: Medical transportation costs arranged by the Global Assist Hotline are covered, but any costs you incur that were not arranged through the hotline won’t be reimbursed. Make sure to call ASAP before making any arrangements on your own.

This benefit applies to the cardholder, spouse/domestic partner, and dependents up to 23 years old (or 26 if a full-time student), although any beneficiaries have to be traveling on the same itinerary as the cardholder. Pre-existing conditions are excluded.

Bottom Line: The Premium Global Assistance Hotline can be a real help whether you’re trying to figure out visa requirements or need to find a local doctor while traveling. If you need emergency medical transportation to a facility back home, the hotline can arrange it and cover all expenses. As always, be sure to read the terms.

Global Assist

The Global Assist Hotline can help with a few other, less-extreme medical needs as well, including prescription medication replacement (if you lose or forget medication) and physician or dentist referral.

If your wallet is lost or stolen, the hotline will provide certain financial assistance, including wiring emergency cash to you (which will be charged to your card account) or helping you check into or out of a hotel while you don’t have your card present.

In terms of legal support, the hotline can provide a referral to a local English-speaking lawyer, help connect you to bail bond agencies that accept American Express, and connect you with the nearest consulate or embassy.

The Global Assist Hotline doesn’t offer Emergency Medical Transportation Assistance and Repatriation of Mortal Remains.

Which Amex Cards Offer This?

Here are the cards that offer the Premium Global Assist Hotline as a benefit:

Here are the cards that offer the Global Assist Hotline as a benefit:

Final Thoughts

Many cards offered by American Express come with great travel insurance benefits. While the more premium (and expensive) cards offer more extensive benefits, even cards like the Amex EveryDay Card offer you valuable protection during your travels.

Note that American Express cards don’t include baggage delay coverage.

If you’re seeking additional coverage for your trip, like cancellation coverage or emergency medical insurance, American Express offers a stand-alone travel insurance product you can use to supplement what your card provides.

Additionally, plenty of third-party companies offer travel insurance. If you decide that what’s included with your card isn’t enough, you can always shop around for additional coverage. Having coverage with your card is a great benefit, though, since it means whatever policy you buy can be less extensive.

If you want to learn more about general travel insurance, check out our ultimate guide to buying the best travel insurance (for your situation).

All information and content provided by Upgraded Points is intended as general information and for educational purposes only, and should not be interpreted as medical advice or legal advice. For more information, see our Medical & Legal Disclaimers.

The information regarding the American Express Platinum Card^® for Schwab, and Corporate Centurion^® Card from American Express was independently collected by Upgraded Points and not provided nor reviewed by the issuer.

For the car rental loss and damage insurance benefit of the American Express^® Green Card, the car rental loss and damage insurance can provide coverage up to $50,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

For the baggage insurance plan benefit of the Centurion^® Card from American Express, baggage insurance plan coverage can be in effect for covered persons for eligible lost, damaged, or stolen baggage during their travel on a common carrier vehicle (e.g. plane, train, ship, or bus) when the Entire Fare for a ticket for the trip (one-way or round-trip) is charged to an eligible card. Coverage can be provided for up to $2,000 for checked baggage and up to a combined maximum of $3,000 for checked and carry-on baggage, in excess of coverage provided by the common carrier. The coverage is also subject to a $3,000 aggregate limit per covered trip. For New York State residents, there is a $2,000 per bag/suitcase limit for each covered person with a $10,000 aggregate maximum for all covered persons per covered trip. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

For the cell phone protection benefit of the Centurion^® Card from American Express, coverage for a stolen or damaged eligible cellular wireless telephone is subject to the terms, conditions, exclusions and limits of liability of this benefit. The maximum liability is $800, per claim, per eligible card account. Each claim is subject to a $50 deductible. Coverage is limited to two (2) claims per eligible card account per 12 month period. Eligibility and benefit level varies by Card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

For the extended warranty benefit of the Centurion^® Card from American Express, when an American Express^® card member charges a covered purchase to an eligible card, extended warranty can provide up to one extra year added to the original manufacturer’s warranty. Applies to warranties of five (5) years or less. Coverage is up to the actual amount charged to your card for the item up to a maximum of $10,000; not to exceed $50,000 per card member account per calendar year. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

For the purchase protection benefit of the Centurion^® Card from American Express, purchase protection is an embedded benefit of your card membership and requires no enrollment. It can help protect covered purchases made on your eligible card when they’re accidentally damaged, stolen, or lost, for up to 90 days from the covered purchase date. The coverage is limited up to $10,000 per occurrence, up to $50,000 per card member account per calendar year. Coverage limits apply. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

For the return protection benefit of the Centurion^® Card from American Express, with return protection, you may return eligible purchases to American Express if the seller won’t take them back up to 90 days from the date of purchase. American Express may refund the full purchase price excluding shipping and handling, up to $300 per item, up to a maximum of $1,000 per calendar year per Card account, if you purchased it entirely with your eligible American Express^® Card. Purchases must be made in the U.S. or its territories. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details.

For the trip cancellation and interruption insurance benefit of the Centurion^® Card from American Express, the maximum benefit amount for trip cancellation and interruption insurance is $10,000 per covered trip and $20,000 per eligible card per 12 consecutive month period. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

For the trip delay insurance benefit of the Centurion^® Card from American Express, up to $500 per covered trip that is delayed for more than 6 hours; and 2 claims per eligible card per 12 consecutive month period. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

For the premium global assist hotline benefit of the Centurion^® Card from American Express, you can rely on Global Assist Hotline 24 hours a day / 7 days a week for medical, legal, financial or other select emergency coordination and assistance services while traveling more than 100 miles away from your home. Plus, we may provide emergency medical transportation assistance and related services. Third-party service costs may be your responsibility. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. If approved and coordinated by premium global assist hotline, emergency medical transportation assistance may be provided at no cost. In any other circumstance, Card Members may be responsible for the costs charged by third-party service providers.

The information regarding the Corporate Platinum Card^® by American Express was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding the Centurion^® Card from American Express was independently collected by Upgraded Points and was not provided nor reviewed by the issuer. 
The information regarding the Business Centurion^® Card from American Express was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding the Hilton Honors American Express Aspire Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding the Business Green Rewards Card from American Express was independently collected by Upgraded Points and not provided nor reviewed by the issuer.

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