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. 3x on eligible Delta purchases, 1x on all other purchases (that can become 1.5x after you spend $150,000 in a calendar year.) Evacuation >> Be transported to an appropriate facility if ill or injured while traveling away from home. Pre-qualified offers are not binding. Credit card travel insurance is administered by a third party, not by the issuing financial institution, thus making the claims process potentially redundant and complicated. How to book better and avoid flight delays. 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. Let's dig into the details. However, if you utilize the links for the travel insurance comparison sites, youll find several options for annual plans offered by highly-rated companies. Your trip also isnt covered if you used a combination of miles and dollars unless the miles came from a Membership Rewards transfer. Norway, officially the Kingdom of Norway, is a Nordic country in Northern Europe, the mainland territory of which comprises the western and northernmost portion of the Scandinavian Peninsula.The remote Arctic island of Jan Mayen and the archipelago of Svalbard also form part of Norway. Assigning Editor | Travel, SEO, Travel Loyalty Programs. For more information on our advertisers, see here. We used policy comparison websites and found similar but not identical policies. Typically, you have up to 180 days to file a claim after a delay or cancellation. Terms apply. If anyone on our team wouldnt recommend it to a friend or a family member, we wouldnt recommend it on The Points Guy either. For example, you'll generally need to pay for trips with your American Express Gold Card to get these travel protections. Lets take a look at the package policy offerings and pricing. Intoxication is defined by the laws of the jurisdiction where such accident occurs, The eligible traveler being under the influence of any narcotic or other controlled substance at the time of an accident, unless the narcotic or other controlled substance is taken and used as prescribed by a Physician, The eligible traveler's commission or attempted commission of any illegal or criminal act, including but not limited to any felony, The eligible traveler parachuting from an aircraft, The eligible traveler engaging or participating in a motorized vehicular race or speed contest, Dental treatment except as a result of accidental bodily injury to sound, natural teeth, Any non-emergency treatment or surgery, routine physical examinations, Hearing aids, eyeglasses or contact lenses, One-way travel that does not have a return destination. Your rental car, as well as taxis and ride-share services such as Uber and Lyft, would be excluded from this protection. Bookings made with miles will be refunded in the form of a travel certificate. which covers damage to or theft of eligible car rentals. 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. While the Amex Gold Card charges a $250 annual fee, the rewards and benefits can be well worth it. However, this does not influence our evaluations. Nothing is worse than getting through an entire claims process only to be denied or have to start over because you dont have the required documentation for the insurance provider. Coverage is limited to $500 per trip and cardmembers are only eligible for two claims each 12 consecutive month period. Best card for premium perks while traveling, Capital One Venture X Rewards Credit Card, The Business Platinum Card from American Express, Quick Points: Use Virgin Atlantic's new calendar search feature to find Delta partner award space. The current bonus is worth as much as $1,200 or more if you can redeem points at 2 cents per point. For more information, see our. 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. Anyone know more about the GTP coverage? Here are a few situations where travel insurance could cover your loss: Whether you should purchase travel insurance or not is a personal decision. This site does not include all credit card companies or all available credit card offers that are on the market. The Amex Gold comes. <p><img src="https://static6.businessinsider.com/image/5dd85b72fd9db25e383b14e3-2377/american express 6.jpg" border="0" alt="american express 6" data-mce-source . If that sounds like you, check out Seven Corners. Any and all options, reviews, comments and analyses are the responsibility of the author(s) and not any Advertiser or credit card issuer. Terms apply. Car rental insurance which covers damage to or theft of eligible car rentals. These complimentary coverages are useful and can offer more than adequate coverage for most trips. Here is some information you should know about cancellations and changes to an American Express Travel Insurance policy. With package policies, you can expect to find the following coverages. 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. Ultimately, the best policy for you will depend on your individual needs and budget. Exploring the Pros, Cons, and Benefits of Utilizing Professional Vacation Planning Services. From travel protections to car rental damage waivers, let's find out how the American Express Gold Card travel insurance works. And the maximum benefit for each of these is capped at a certain amount. Each has its own levels of coverage and associated premium cost. Uber Cash and Uber VIP status is available to Basic Card Member only. We take your comments very seriously as they really help us to improve the site. 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. Hot Tip: Due to the overall decrease in travel, many travel insurance companies now allow you to cancel your travel insurance and receive a full refund or extend your policy without extra charges. The scam typically involves promising the victim a significant share of a large sum of money, in return for a small up-front payment, which the fraudster claims will be used to obtain the large sum. Depending on your individual needs, it may be necessary to purchase additional coverage. We do so because these benefits, especially the long list of travel insurance coverages on premium cards, can save you money, offer peace of mind during your travels, and provide help if something goes wrong. Cardholders can make up . that covers lost, damaged or stolen baggage. Yes in fact, several kinds. AmEx also places a $250 cap on the amount that it will reimburse for "high risk items" such as jewelry, cameras, sports equipment, computers or other precious metals. Be sure to include the names of everyone in your party, flight confirmation number, flight numbers, travel dates and your contact information. Unfortunately, not every flight delay will be covered. Court subpoenas, orders to report for active duty, physician orders, etc. You can see the entire list of cards that offer secondary car rental protection on the American Express website. Does AMEX offer an Annual Travel Insurance Policy? It is designed for people with excellent credit and offers rewards, travel benefits, and other perks. American Express Trip Cancel Guard The flexibility to change your mind. Terms apply. Advertiser Disclosure: Many of the credit card offers that appear on this site are from credit card companies from which we receive compensation. OK92033) Property & Casualty Licenses, NerdWallet | 55 Hawthorne St. - 11th Floor, San Francisco, CA 94105. 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. 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. And the maximum benefit for each of these is capped at a certain amount. I was unable to find an annual travel insurance policy option for U.S. citizens offered by American Express. Our opinions are our own. You might look to a company specializing in insuring these activities such as World Nomads. To receive coverage, you also need to pay for the entire fare with an eligible American Express card or by using Membership Rewards points to book tickets through Amex Travel. Amex Gold is cheaper at $250 annual fee per year. This site does not include all credit card companies or all available credit card offers. You can change or modify your policy prior to your trip. For rates and fees of the Amex Platinum card, please click here.For rates and fees of the Amex Gold card, please click here.For rates and fees of the Amex Business Gold card, please click here.For rates and fees of the Amex Green card, please click here.For rates and fees of the Hilton Aspire card, please click here.For rates and fees of the Amex Blue Business Plus card, click here.For rates and fees of the Marriott Bonvoy Brilliant card, click here.For rates and fees of the Delta SkyMiles Reserve card, please click here.For rates and fees of the Delta SkyMiles Reserve Business card, please click here.For rates and fees of the Delta SkyMiles Platinum card, please click here.For rates and fees of the Amex Business Platinum card, click here. 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. In addition, as an Amazon Associate we earn from qualifying purchases. The current welcome offer on this card is quite lucrative. While American Express Travel Insurance does not cover trip cancellation due to fear of contracting COVID-19, there may be coverage in certain circumstances. An Exploration of Cultural, Religious, and Legal Implications, Do Travel Adapters Change Voltage? 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 American Express Gold Card's 4 points per dollar earnings rate at restaurants and U.S. supermarkets (up to $25,000 per calendar year, then 1 point) make the card a rewarding choice . A pretty easy target to hit, especially if you're putting all your food and travel purchases on it, and these super valuable points are definitely worth the wait. There is no doubt that American Express is a financially-stable, established, and well-respected travel insurance company. 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. Bottom Line: Knowing a travel insurance companys age pricing brackets can help you determine which company offers you the best value for your money. Her previous experience involved building and writing business plans in the mergers and acquisitions sector in New York, as well as staffing in the insurance and financial technology software field. NerdWallet strives to keep its information accurate and up to date. American Express Travel Insurance is backed by AMEX Assurance Company which is highly-rated, established, and reputable. The Amex Gold Card's 60K-point initial bonus offer is available to new cardholders who spend at least $4,000 within 6 months of opening an account. The American Express Gold Card is best known for its dining, grocery and rideshare perks. The price of this plan would be $32 for the entire trip. 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. However, it is important to remember that the cost of the policy can add up quickly and it may not cover all potential issues that may arise during your travels. members aren't as comprehensive as what you'll get on other premium AmEx cards. It is better for dining out and U.S. supermarkets. ? So how do we make money? Visit americanexpress.com/protectionbenefits or call 1-800-338-1670. Apply and select your preferred metal Card design: classic Platinum Card, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu. Crypto Wallet Development: Types, Features, and Popularity, 5 Ways AI is Detecting and Preventing Identity Fraud. See our Advertiser Disclosurefor more details. Get more smart money moves straight to your inbox. 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