Our partners compensate us. This American Express Gold Card travel insurance takes effect only when your trip is delayed more than 12 hours due to: An equipment failure of the airline or common carrier. Improve earnings, maximize rewards and track progress toward dream trips. For more information, see our. Cruise >> Specialized coverage for your unique travel concerns when setting sail. 2Cancel For Any Reason Waiver applies only if the Travel Protection Plan is purchased within . The Cash Magnet Card. This card comes with a long list of benefits, including access to Centurion Lounges, complimentary elite status with Hilton and Marriott, at least $500 in assorted annual statement credits and so much more. For example, if you become sick with the virus and have to cancel your trip as a result, you may have coverage under trip cancellation insurance. When is travel insurance worth it? Court subpoenas, orders to report for active duty, physician orders, etc. Terms apply. Our points-obsessed staff uses a plethora of credit cards on a daily basis. Even with a steep annual fee, you'll get excellent dining and travel perks that can help make up for the cost. 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. 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. It also does not cover canceling your trip due to a government shutdown due to COVID-19, or a surge in cases in a particular area. The AmEx Global Assist Hotline services available to. Terms apply. Depending on how much value you put on the Amex credits to offset the annual fee. Trip delay reimbursement requires the following documentation: Trip cancellation/interruption insurance requires slightly different documentation. Here are some of the most popular, easy-to-use comparison sites that only feature highly financially-rated travel insurance companies. Selecting a company is not difficult as there are dozens of reputable, highly financially-rated, established companies, but comparing policies is essential for getting the best value for your money. Terms apply. Few travel insurance companies offer the option to purchase stand-alone travel medical coverage. You're still responsible for damage and injury done to others. To activate this coverage, all you need to do is pay for the entire cost of the flight, train, bus or cruise with your, travel insurance protection covers cardmembers when they rent a car. Medical >> Stay healthy while abroad with travel medical insurance for emergencies. 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. This should be done as soon as possible, but. Learn more. She has been published in U.S. News & World Report, USA Today and elsewhere, and has spoken at conferences like that of NAFSA: Association of International Educators. Your rental car, as well as taxis and ride-share services such as Uber and Lyft, would be excluded from this protection. Yes, overall. 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. Having a card with trip insurance can save you hundreds of dollars when unexpected hiccups happen in your travel plans. There are even more places your Platinum Card can get you complimentary entry and exclusive perks. Ultimately, the best policy for you will depend on your individual needs and budget. Keep in mind that a provider may ask for additional documentation related to the incident, so you may have to collect receipts and other forms to help your case. Lets take a closer look at each of these elements. For more information on our advertisers, see here. So how do we make money? From travel protections to car rental damage waivers, let's find out how the American Express Gold Card travel insurance works. Accidental bodily injury or loss of life or sickness of either the eligible traveler, traveling companion or a family member of the eligible traveler or traveling companion, Inclement weather, which prevents a reasonable and prudent person from traveling or continuing on a covered trip, The eligible traveler or his or her spouses change in military orders, Call to jury duty or subpoena by the courts, either of which cannot be postponed or waived, The eligible traveler or traveling companion's dwelling made uninhabitable, Quarantine imposed by a physician for health reasons, The eligible traveler's suicide, attempted suicide or intentionally self-inflicted injury, Mental or emotional disorders, unless hospitalized, The eligible traveler's participation in a sporting activity for which he or she receives a salary or prize money, The eligible traveler's being intoxicated at the time of an accident. 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This card's value can more than cover its $250 annual fee in the right hands. The information provided is for informational purposes only and should not be considered financial, tax or legal advice. Terms apply. AmEx Global Assist can help with everything from visa and vaccination information before your trip, to emergency cash wires if things go wrong during your trip. Probably. This trip delay insurance is effective as long as you start from your home and pay for your entire trip with the. HOW IT WORKS: Add Trip Cancel Guard and get up to 75% reimbursement if you cancel your eligible flight at least two full calendar days before. The American Express Gold Card is packed with valuable rewards and benefits that make it an easy choice for everyday spenders and frequent travelers. Bottom Line: The longer, more expensive, and more complicated your trip, the greater the need for a comprehensive travel insurance policy. This is a very limited comparison your results will be different based on your specific details. Sign up for our daily newsletter! However, you'll need to be wary of several key restrictions: Coverage is secondary. Christine was born in Northern Michigan but spent most of her career operating her own business developing and managing insurance and financial services offices throughout the state. This may influence which products we review and write about (and where those products appear on the site), but it in no way affects our recommendations or advice, which are grounded in thousands of hours of research. Typically, you have up to 180 days to file a claim after a delay or cancellation. AmEx provides many travel advice and assistance services free of charge. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion directly. You can see the entire list of cards that offer secondary car rental protection on the American Express website. The American Express Gold Card is a great card for dining out, ordering takeout and traveling, but it comes with a relatively high $250 annual fee ( see rates and fees ). members aren't as comprehensive as what you'll get on other premium AmEx cards. 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. 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. Enrollment required. The Hilton Honors Card. There is also no coverage for canceling a trip due to a U.S. State Department announcement warning of COVID-19 in a particular area. 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 . American Express Travel Insurance is backed by AMEX Assurance Company which is highly-rated, established, and reputable. I have since found that Amex "travel insurance" offers 4 different packageswith "Basic" around the same price, however the benefits seem to be much less between the "Gold Travel Protector (GTP)" (at time of purchase) and the "Basic" travel insurance (after the fact) offers. Travel Protection Plan. The price for coverage is the same for everyone in that specific age bracket. Disclaimer: NerdWallet strives to keep its information accurate and up to date. As a digital nomad for nearly five years, JT proves through experience that credit card rewards can drastically reduce the cost of travel. The travel protection benefits provided are the same under the two sections, however, the basis on which we provide them is different. Still, it can be confusing to know what is covered and the right documentation you need to file a claim. American Express Travel Insurance, underwritten by AMEX Assurance Company, is one of those highly-respected, highly-rated, established companies offering comprehensive travel insurance solutions. That is up from the previous bonus of 35,000 points. AmEx doesn't provide coverage for vehicles rented in Australia, Italy or New Zealand. It is better for dining out and U.S. supermarkets. NerdWallet strives to keep its information accurate and up to date. Learn more. The card is a good choice for the occasional Delta flyer without elite. This is a key benefit of purchasing travel insurance through American Express Travel Insurance. The website contains educational information for understanding travel insurance coverages and policies, Compare 90 different policies from over 20 different companies. Hi William. The plan you select and the level of coverage limits chosen determine the amount of the premium cost. When deciding whether or not Amex Gold Travel Protector is worth it, it is important to compare it to other insurance options. An advance-fee scam is a form of fraud and is one of the most common types of confidence tricks. 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. Our opinions are our own. document.getElementById( "ak_js_1" ).setAttribute( "value", ( new Date() ).getTime() ); Proudly powered by WordPress While the American Express Gold Card isn't a premium travel card, it still offers core travel insurance protections that can make it the go-to card for booking travel and rental cars. Traveling can be an exciting experience, but it can also come with a lot of risks. Amex Gold Travel Protector offers a range of coverage options, including trip cancellation and interruption coverage, medical and dental coverage, baggage protection, and more. Amex Gold Travel Protector covers a variety of potential issues that may arise during your travels, including trip cancellation and interruption coverage, medical and dental coverage, and baggage protection. Trips booked with miles from other sources even the cobranded Delta SkyMiles cards from Amex are excluded. You may also have coverage if you become ill due to COVID-19 during your travels. Because travel insurance is widely available and quite competitive, you may find drastic differences in the price youll pay between companies and policy offerings. Pre-qualified offers are not binding. You can select a package policy that includes several types of coverages in 1 plan or you can build your own travel insurance plan and select just the coverages that are important to you. Each of these travel protections has limits, exclusions and requirements. For years, the Amex Gold Card has been one of the strongest travel cards on the market thanks to a reasonable annual fee and some unbeatable bonuses on groceries and dining that make it a go-to card to earn more points for everyday expenses. Upgraded Points, LLC uses reasonable efforts to maintain accurate information on the site and prior to applying for any credit card offers found on UpgradedPoints.com, all visitors should review other features of such credit cards including but not limited to interest rates, annual fees and transaction fees, and should determine the suitability of such credit cards considering their own individual financial position. In conclusion, Amex Gold Travel Protector can be a great way to protect yourself and your finances during your travels. Here, we will take a look at some of the ways you can save money with Amex Gold Travel Protector. One of the lesser known benefits of some of Amex's most premium cards is its Premium Global Assistance. Also, like several other travel insurance companies, high-risk adventurous activities may not be covered with American Express Travel Insurance. Copies of your common carrier tickets and travel supplier receipt, Your eligible card billing statement showing the charges for the covered trip, Copy of travel supplier's cancelation policy. N'T as comprehensive as what you 'll get on other premium Amex cards is informational! Information accurate and up to date coverage if you become ill due to a U.S. Department. Some of the ways you can save money with Amex Gold travel Protector is worth it, is! 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