Trip delay insurance reimburses expenses when your travel plans are delayed by more than 12 hours. Cardholders of the American Express Gold Card can get baggage protection on their checked and carry-on bags when traveling on a common carrier such as an airline. Amex Platinum has more travel perks, like lounge access, Global Entry fee credit, elite hotel status, and luxury travel discounts. Her successful insurance and financial services career has been an excellent foundation from which to source her knowledge for many of Upgraded Points travel insurance articles. The Hilton Honors Card. The Amex Platinum comes with access to a premium concierge service that can help you with everything from booking hard-to-get reservations to finding destination guides to help you plan out your next getaway. to book travel to get up to $1,250 in coverage for lost or stolen baggage and up to $300 in reimbursements during a covered delay of 12 hours or more. If this is important to you, you should attempt to find the coverage elsewhere by using comparison sites. The plan you select and the level of coverage limits chosen determine the amount of the premium cost. You're still responsible for damage and injury done to others. Coverage is limited to $500 per trip and cardmembers are only eligible for two claims each 12 consecutive month period. Jonnica Hill via Unsplash. Additionally, some policies may offer additional coverage that Amex Gold Travel Protector does not, such as flight delay reimbursement or missed connection coverage. 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. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). Earn 80,000 Membership Rewards points after you spend $6,000 on purchases on your new Card in your first 6 months of Card Membership. It can be relatively expensive, especially if you are planning multiple trips throughout the year. In addition, as an Amazon Associate we earn from qualifying purchases. document.getElementById( "ak_js_1" ).setAttribute( "value", ( new Date() ).getTime() ); Proudly powered by WordPress If you're starting to travel again, it's also a good idea to consider booking refundable travel. This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply. Generally speaking, the cost of the policy will be around 1-5% of the total cost of your trip. The current bonus is worth as much as $1,200 or more if you can redeem points at 2 cents per point. The annual fee is relatively high at $550, but it comes with a range of exclusive benefits, including airport lounge access, 5x points on select flights, and free hotel stays . Amex outlines what is not covered, which includes the following: When you have a delay or trip cancellation/interruption that you think qualifies for coverage, you can file a claim by calling Amex at 1-844-933-0648 within 60 days of the covered loss. Cancel for Any Reason Insurance must be purchased to cover these voluntary cancellations. Click here to see a list of advertisers that we work with. Rent a car with your American Express Gold Card to get secondary coverage of up to $50,000 for damage or theft. Disclaimer: Any comments listed below are not from the bank advertiser, nor have they been reviewed or approved by them. This benefit can quite literally be a lifesaver if you or an immediate family member run into any unexpected issues or accident on your trip. The policy offers comprehensive coverage, 24/7 customer service, and potential savings. And it's not just the cardmember's bags that are covered. Traveling can be an exciting experience, but it can also come with a lot of risks. Terms apply. Based on dozens of quotes obtained, pricing brackets were determined to be as follows: Knowing this upfront can help you determine if youre at the beginning of the highest price bracket or the end. Click Registration to join us and share your expertise with our readers.). These include up to $120 in Uber Cash, up to $120 in dining. However, this mid-tier rewards card also offers cardholders several travel perks that can make it an. There is no doubt that American Express is a financially-stable, established, and well-respected travel insurance company. Flexibility, point transfers and a large bonus: Bank of America Travel Rewards credit card. AmEx doesn't provide coverage for vehicles rented in Australia, Italy or New Zealand. While the Amex Gold Card charges a $250 annual fee, the rewards and benefits can be well worth it. The average initial bonus is 31,338 points/miles or $230 cash back. Get up to $300 back per calendar year on the Equinox+ digital fitness app, or eligible Equinox club memberships when you pay with your Platinum Card. However, this mid-tier rewards card also offers cardholders several travel perks that can make it an appealing option for booking flights and rental cars. NerdWallet Compare, Inc. NMLS ID# 1617539, NMLS Consumer Access|Licenses and Disclosures, California: California Finance Lender loans arranged pursuant to Department of Financial Protection and Innovation Finance Lenders License #60DBO-74812, Property and Casualty insurance services offered through NerdWallet Insurance Services, Inc. (CA resident license no. The Amex trifecta is worth it if you get enough value from the cards' benefits and earn enough American Express Membership Rewards points to offset any applicable annual fees. This is a key benefit of purchasing travel insurance through American Express Travel Insurance. To activate this coverage, just pay for the entire rental with your. If youre looking for medical coverage for an international trip, for example, purchasing with an established company at a reasonable price makes American Express Travel Insurance a worthy choice. For example, this service can help you arrange emergency medical referrals. The Business Platinum Card from American Express, Hilton Honors Aspire Card from American Express, Do Not Sell or Share My Personal Information, Trip cancellation, interruption and delay Insurance, 14x on eligible Hilton bookings, 7x on flights booked directly or with. So ~4% Amex gold vs. 3% Freedom Flex. 3x on eligible Delta purchases, 1.5x on purchases of $5,000 or more (up to 50,000 additional miles per calendar year), 1x on all other purchases. Once your trip is completed, you cannot request a refund. You can check out the full list of cards and details on American Express's website. Who's covered: This policy covers both primary and additional cardholders, as well as cardmembers spouses or domestic partners and any dependent children under 23 years old. Best Credit Cards for Rental Car Insurance, Business Credit Cards for Advertising Purchases, Business Credit Cards for Shipping Purchases, Top Reasons to Get a Business Credit Card, How to Apply For a Small Business Credit Card, Maximize Rewards From Your Business Purchases, Comparing Top 3 Chase Business Credit Cards, Tourist Visa Requirements for U.S. Citizens, How to Cancel an American Airlines Flight, TSA PreCheck Everything You Need to Know, Chicago OHare International Airport [ORD], Best Websites for Booking Affordable Hotels, Best Hilton Luxury Hotels to Book With Points, Guide to Hotel Status Matches and Challenges, Best Marriott Luxury Hotels to Book With Points, Best Ways to Redeem Marriott Points for Hotels, Best IHG Luxury Hotels to Book With Points, Marriott Bonvoy Hotel Loyalty Program Review, offered complimentary on most credit cards, our guide to buying the best travel insurance. It has relevant bonus . The key benefit of the American Express Gold Card is 10 free miles of towing as well as jumpstarts and flat tire assistance. The Amex Gold's current welcome bonus offer is 60,000 Membership Rewards points after spending $4,000 on purchases in the first 6 months. But this guide will walk you through which Amex credit cards have these benefits, what's currently covered and how you can file a successful claim. For reference, the six "freebies" are: The Blue Cash Everyday Card. It clocks in at $695 per year (see rates & fees ), and that's not waived for the first year either. This is why you need to pay attention to the benefits each of your travel rewards cards offers. Improve earnings, maximize rewards and track progress toward dream trips. document.getElementById( "ak_js_1" ).setAttribute( "value", ( new Date() ).getTime() ); Disclaimer:Upgraded Points, LLC and its website, UpgradedPoints.com, provides information on credit cards, reward programs, travel information and ancillary information concerning travel and credit cards. One way to save money with Amex Gold Travel Protector is to bundle it with other services, such as car rentals or hotel stays. Trip delay reimbursement requires the following documentation: Trip cancellation/interruption insurance requires slightly different documentation. Sign up and well send you Nerdy articles about the money topics that matter most to you along with other ways to help you get more from your money. This trip delay insurance kicks in when you pay for a trip with your American Express Gold Card or AmEx points. You may also have coverage if you become ill due to COVID-19 during your travels. You can change or modify your policy prior to your trip. Regardless, it's still a smart idea to have some protections in place, like baggage insurance. The travel insurance coverages that comes complimentary on your credit card can serve to provide coverage for some trips. Additionally, the policy provides access to 24/7 customer service, emergency assistance, and legal advice. Read our guide on when to use American Express Premium Car Rental Protection for more details on this coverage option. Consider the type of coverage offered, the cost of the policy, and any additional benefits provided by the policy. What is Delta Air Lines elite status worth in 2023? This site does not include all credit card companies or all available credit card offers. If you're a frequent traveler, you've likely run into this situation at some point (it's the worst). Terms apply. For more information on our advertisers, see here. Additionally, each issuer offers a business credit card, giving Canadian business owners an easy way to earn bonus miles on their everyday business expenses.How do I contact TD Credit Cards? The Delta SkyMiles Gold American Express Card was revamped in 2019 with a new list of perks and revised earning rates. Find the right card for you. Terms apply. Related: The best credit cards with travel insurance. Get $200 back in statement credits each year on prepaid Fine Hotels + Resorts or The Hotel Collection bookings, which requires a minimum two-night stay, through American Express Travel when you pay with your Platinum Card. Travel Protection Plan. All permanent U.S. residents are eligible to purchase travel insurance with American Express. Cost includes $12.95 plus applicable local sales tax. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card's rates, fees, rewards and other features. The most important factors to consider are that youre purchasing from a highly-rated company, the coverages are a match for your needs, and the premium is one with which youre comfortable paying. When evaluating offers, please review the financial institutions Terms and Conditions. The card details on this page have not been reviewed or provided by the card issuer. It includes adequate coverage for all the primary travel risks and includes a few options to fill in any gaps. to get secondary coverage of up to $50,000 for damage or theft. Terms apply. Yes, the American Express Platinum card is considered an elite card. We've crunched the numbers and come to the conclusion it can easily be worth that $250 annual fee. This trip delay insurance is effective as long as you start from your home and pay for your entire trip with the American Express Gold Card including all round-trip and one-way travel along the way. 3X FOR FLIGHTS BOOKED WITH AIRLINES Dave Herholz (CC BY-SA 2.0) via Flickr trip cancellation and interruption insurance, Best credit cards for trip cancellation and interruption insurance, Hilton Honors American Express Aspire Card, Delta SkyMiles Reserve American Express Card, Delta SkyMiles Reserve Business American Express Card, Marriott Bonvoy Brilliant American Express Card, Delta SkyMiles Platinum American Express Card, Delta SkyMiles Platinum Business American Express Card, The best credit cards with travel insurance, Book carefully if you have multiple Amex cards that offer travel protections, when to use American Express Premium Car Rental Protection. The current welcome offer on this card is quite lucrative. Here, we will take a closer look at the coverage offered by Amex Gold Travel Protector. Perhaps, for example, you have a need for just medical coverage while traveling abroad. The Amex Gold is a valuable option for U.S.-based customers who spend heavily on dining and groceries at U.S. supermarkets and are looking for an in-between, "premium-lite" card that offers good returns without a hefty price tag. American Express offers you 2 options when it comes to purchasing travel insurance. But is Amex Gold Travel Protector worth it? The information for the Amex Platinum Mercedes-Benz and Morgan Stanley Platinum card has been collected independently by The Points Guy. With so many different coverage options, its difficult to compare apples to apples. 3x on eligible Delta purchases, 1x on all other purchases (that can become 1.5x after you spend $150,000 in a calendar year.) Additional coverages can be added to travel insurance policies such as CFAR insurance, a preexisting conditions waiver, and other benefits not available with credit cards. Any and all options, reviews, comments and analyses are the responsibility of the author(s) and not any Advertiser or credit card issuer. Here is an overview of the Amex cards that offer trip delay reimbursement, trip cancellation/interruption insurance or both: The information for the Amex Green Card, Hilton Aspire Amex card and American Express Corporate Platinum Card has been collected independently by The Points Guy. When you purchase travel insurance and your trip is canceled, you expect to have coverage. NerdWallet's ratings are determined by our editorial team. The types of losses it covers: Youre covered for losses resulting from damaged, stolen or lost baggage, including both carry-on and checked bags. 2019 with a lot of risks modify your policy prior to your trip insurance kicks when... 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