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The Guide to AmEx Platinum Travel Insurance

After spending seven years in the U.S. Air Force as an Arabic linguist, Carissa is now a freelance writer using points and miles to fund a four-year (and counting!) adventure. She previously worked as a reporter for The Points Guy. Her writing has since been featured in numerous publications, including Forbes, Business Insider, and The Balance. When she's not flying, you'll usually find her in a Priority Pass lounge somewhere, sipping tea and cursing slow Wi-Fi.

Megan Lee joined the travel rewards team at NerdWallet with over 12 years of SEO, writing and content development experience, primarily in international education and nonprofit work. 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. Megan has built and directed remote content teams and editorial strategies for websites like GoAbroad and Go Overseas. When not traveling, Megan adventures around her Midwest home base where she likes to attend theme parties, ride her bike and cook Asian food.

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Table of Contents

When does the AmEx Platinum travel insurance kick in?

Amex platinum travel insurance benefits and limits, how to make an amex travel insurance claim, what if the card’s insurance benefits are insufficient, the platinum card® from american express travel insurance, recapped.

Travel insurance can provide peace of mind when you’re away from home, especially when you’ve spent significant money on your vacation. Although you can choose to buy a separate travel insurance policy, not everyone wants or needs to do so.

Many travel credit cards offer complimentary insurance for a variety of occurrences. The Platinum Card® from American Express offers travel insurance with a suite of benefits for eligible travelers, including coverage for trip interruption, rental car damage and lost luggage.

Let’s take a look at travel insurance on The Platinum Card® from American Express , its limits and the benefits it provides.

» Learn more: What is travel insurance?

So, does The Platinum Card® from American Express have travel insurance? The short answer to this is yes, but you’ll need to meet specific requirements for it to apply.

To get coverage from your card, you’ll need to use it to pay for your trip in its entirety. This is true whether you’re looking to utilize the trip insurance or the rental car insurance — you must pay for the full cost with The Platinum Card® from American Express .

Be aware of coverage limitations if you’re traveling using points or miles. While it’s possible to receive benefits when using your card to pay the taxes and fees on a reward redemption, coverage may not always apply.

You may still be covered for trip interruption, delay, and cancellation insurance when using points or frequent flyer miles.

However, rental car and baggage insurance only apply when you’ve used your card to pay for the full cost of whatever you’re buying — no points allowed. The exception is if you redeem American Express Membership Rewards to pay for some or all of the booking.

» Learn more: How does credit card travel insurance work?

We’ve included a breakdown of all the insurance benefits and other travel protections provided by The Platinum Card® from American Express .

Trip cancellation protection

The trip cancellation insurance you’ll receive will pay for any nonrefundable losses you incur due to a covered event.

Given the current climate, you may also be wondering: does The Platinum Card® from American Express travel insurance cover COVID? It can, depending on the reason you need to cancel. Covered events include quarantine imposed by a physician or illness for you, your family members or a traveling companion.

Other eligible events include a change in military orders, inclement weather or jury duty.

If you need to cancel your trip, AmEx will provide up to $10,000 per trip and a maximum of $20,000 every 12 months. Terms apply.

» Learn more: The guide to American Express travel insurance

Trip interruption coverage

The Platinum Card® from American Express

As with trip cancellation protection, trip interruption insurance will reimburse you for nonrefundable losses by a covered event.

If your trip is interrupted, American Express will cover you for prepaid land, air and sea travel bookings you’ve missed. They’ll also pay for the cost of an economy-class ticket on the most direct route to rejoin your covered trip (or take you home).

The maximum benefit you’ll receive is $10,000 per trip and up to $20,000 every 12 months. Terms apply.

Trip delay insurance

As it sounds, trip delay insurance will reimburse you for expenses incurred when your trip doesn’t go as scheduled. In the case of The Platinum Card® from American Express , coverage kicks in after you’ve been delayed by at least six hours for a covered reason.

Covered purchases may include food, toiletries, lodging, medication and other personal use items. You’ll be reimbursed for up to $500 on a covered trip and can make two claims within a 12-month period. Terms apply.

Rental car insurance

The Platinum Card® from American Express provides secondary rental car insurance . This means it’ll kick in after other claims — like those made to your personal insurance — have been paid. To activate coverage, you’ll need to decline the insurance offered by the rental car company.

AmEx will provide up to $75,000 due to damage or theft of the rental vehicle, but be aware that the policy doesn’t provide liability insurance.

It’ll also give you up to $1,000 per person (max of $2,000) for personal property lost in the incident and up to $5,000 for accidental injury. Finally, you’ll receive up to $300,000 for accidental death or dismemberment, though the rates will vary depending on the severity of your injuries.

This rental car insurance is valid worldwide with a few notable exceptions, including Australia, Italy and New Zealand. Terms apply.

» Learn more: Credit cards that provide travel insurance

Baggage coverage

Cardholders and their families are eligible for baggage insurance provided they’ve paid for the fare using The Platinum Card® from American Express . This benefit is only for lost baggage; delayed luggage is not protected.

Coverage limits vary depending on whether you’ve checked your bag or carried it on:

Checked bags: Up to $2,000 per person.

Carry-on: Up to $3,000 per person.

Note also that checked baggage is only covered when you’re actually traveling with a common carrier. Meanwhile, carry-on luggage is also covered when traveling to and from or waiting at the terminal.

There are also specific limits for high-risk items such as jewelry and electronic equipment. For these items, you’ll receive a maximum of $1,000 per person per trip. Terms apply.

» Learn more: Baggage insurance explained

Premium Global Assist

What else does The Platinum Card® from American Express travel insurance cover? Although this last benefit isn’t technically a type of travel insurance, it’s worth including as it can offer help while you travel.

AmEx’s Premium Global Assist hotline is a 24/7 service that can assist you in various ways, such as helping you get a new passport, finding translation services and even arranging for emergency medical evacuation.

Although using Premium Global Assist is free, the services that you may end up using are not necessarily covered by AmEx.

There are exceptions to this — if you need repatriation of mortal remains, emergency medical evacuation or if a child under 16 is left without care, AmEx will provide aid at no additional cost. Terms apply.

To file a claim, you’ll need to contact your benefit administrator. The phone number and timeframe will vary according to the type of insurance you’re 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

If The Platinum Card® from American Express travel insurance doesn’t seem like it’ll be enough for your trip, or if its coverage doesn’t include features that you’d like to have, consider purchasing a separate travel insurance policy before you travel.

Several companies allow you to compare various policies for any vacation and modify inclusions as you shop.

» Learn more: How much is travel insurance?

The travel insurance offered by The Platinum Card® from American Express includes some pretty generous benefits for travelers, especially since it’s complimentary (the $695 annual fee notwithstanding). Terms apply.

If you want to take advantage of this insurance, pay for your trip using your AmEx card and double-check any other stated requirements before heading out to ensure coverage.

Insurance Benefit: Trip Cancellation and Interruption Insurance

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.

Insurance Benefit: Trip Delay Insurance

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.

Insurance Benefit: Car Rental Loss & Damage Insurance

Car Rental Loss and Damage Insurance can provide coverage up to $75,000 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.

Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.

Insurance Benefit: Baggage Insurance Plan

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.

Underwritten by AMEX Assurance Company.

Insurance Benefit: Premium Global Assist Hotline

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, the Premium Global Assist Hotline may provide emergency medical transportation assistance and related services. Third-party service costs may be your responsibility.

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.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are some of the best travel credit cards of 2024 :

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

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How to generate a travel insurance certificate for the AMEX Platinum Charge

Planning to use your AMEX Platinum Charge's complimentary travel insurance? Here's how to get proof of coverage.

While mandatory travel insurance requirements are starting to be scaled back around the world, some countries still require it for foreigners.

I firmly believe that no one should travel without insurance anyway, regardless of the rules, but what if your coverage comes from a credit card? Travel insurance from credit cards is just as valid as a stand-alone policy, but you won’t have that all-important one-page certificate with your name and details on it.

I’m not sure how it works for other cards, but thanks to Head for Points , I’ve learned it’s possible for AMEX Platinum Charge cardholders to generate personalised insurance certificates online.

AMEX Platinum Charge insurance

AMEX Platinum Charge cardholders enjoy complimentary travel insurance when they pay for their outbound and inbound travel with their card. For the record, coverage will apply if you redeem airline miles and use the AMEX Platinum Charge to pay for taxes and surcharges.

Coverage includes, among other things:

S$1 million for death or total permanent disability
S$1 million of medical expense coverage
S$4,000 of emergency dental treatment
S$150 hospital cash allowance
S$10,000 trip cancellation and postponement
S$400 for flight or baggage delays

COVID-19 medical expenses are covered as well.

To generate an insurance certificate, head to this link and login with your American Express credentials.

Click “Get an Insurance Certificate”, then “English certificate”.

You’ll be prompted to fill in your first and last name, email address, trip dates and passport number.

A PDF certificate from Chubb will be automatically generated and sent to your email.

Now, here’s what I find interesting.

As mentioned earlier, insurance coverage is only applicable if you use the AMEX Platinum Charge to pay for the outbound and inbound legs of the trip. However, you can generate an insurance certificate regardless of whether you’ve done this.

I think the legal team was careful to cover their bases here, as the letter only states that the individual is “entitled” to coverage, and adds the following clause:

“This insurance program provides coverage to the Insured when the travel costs for the originating and return journey of the trip are being charged to the Cardmember’s Platinum Charge Card”

Add the fact you can put anyone’s name on the certificate (understandable, given that the policy is meant to cover your spouse and dependent children as well) and it almost feels like a “generate your own insurance certificate” tool, something that could be easily abused. I mean, I can’t imagine the average check-in agent or immigration official could be bothered enough to cross reference your credit card statement and see if the coverage is actually active…

While other American Express cards like the AMEX KrisFlyer Ascend and AMEX Platinum Credit Card also come with complimentary travel insurance, the portal unfortunately does not allow you to generate certificates. In those cases, you’ll need to contact Chubb and see if they can assist you.

AMEX Platinum Charge cardholders can generate a personalised travel insurance certificate that provides documentary proof of coverage (though I wonder how the person reading the certificate will know if the coverage is active!). It only takes a few minutes to do, and delivery is instant.

For more information on travel insurance policies that cover COVID-19, refer to the link below.

Which travel insurance policies provide COVID-19 coverage?

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

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

A summary of travel insurance benefits for amex cards, trip interruption and cancellation insurance, trip delay insurance, rental car insurance, lost, damaged, and stolen baggage insurance, delayed baggage insurance, premium global assist and global assist, final thoughts.

We may be compensated when you click on product links, such as credit cards, from one or more of our advertising partners. Terms apply to the offers below. See our Advertising Policy for more about our partners, how we make money, and our rating methodology. Opinions and recommendations are ours alone.

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 travel 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.

*All information about these cards has been collected independently by Upgraded Points.

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:

Amex Platinum card
Amex Business Platinum card
Amex Schwab Platinum card
Amex Corporate Platinum card
Delta Reserve card
Delta Reserve Business card
Marriott Bonvoy Brilliant card
Hilton Aspire card

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 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.

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:

Marriott Bonvoy Brilliant cardHilton Aspire card

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

Amex Business Gold card
Amex Gold card
Amex Green card
Amex Business Green card
Delta Platinum card
Delta Platinum Business card

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.

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

Amex Blue Business Plus card
Amex Blue Cash Everyday card

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:

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.

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.

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

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 a ny 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.

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:

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 guides to buying the best travel insurance (for your situation) and when to buy travel insurance .

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 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.

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 Hilton Honors American Express Aspire Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer. The information regarding the American Express ® Green 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.

For rates and fees of The Platinum Card ® from American Express, click here . For rates and fees of The Business Platinum Card ® from American Express, click here . For rates and fees of Delta SkyMiles ® Reserve American Express Card, click here . For rates and fees for the Delta SkyMiles ® Reserve Business American Express Card, click here . For rates and fees of the Marriott Bonvoy Brilliant ® American Express ® card, click here . For rates and fees of the American Express ® Business Gold Card, click here . For rates and fees of the American Express ® Gold Card, click here . For rates and fees of the Delta SkyMiles ® Platinum American Express Card, click here . For rates and fees of the Delta SkyMiles ® Platinum Business American Express Card, click here . For rates and fees of The Blue Business ® Plus Credit Card from American Express, click here . For rates and fees of the Blue Cash Everyday ® from American Express, click here .

Frequently Asked Questions

What is american express travel insurance.

American Express travel insurance can refer to 2 separate things: travel insurance features that come for free with various American Express credit and charge cards, or a standalone travel insurance product sold by American Express.

Which American Express cards come with travel insurance?

The short answer: virtually all of them come with some form of benefit.

The longer answer: each card comes with different features and perks. Some cards, such as the Amex Platinum card, come with high-value baggage insurance, as well as coverage for expensive rental cars with personal injury features and emergency medical transportation coverage.

Other cards, like the Amex Everyday card, come with more limited travel insurance benefits. It’s important to read guides such as this one and check your terms and conditions to see exactly what benefits your credit or charge card includes.

Do I have to pay for the trip with my American Express card to get the travel insurance benefits?

In most cases, yes; paying the entire fare with your American Express card is required in order to activate coverage. There may be exceptions to this, but if you plan to rely on any travel insurance features included with your card, it’s best to use your card to pay for the trip.

What kinds of things does my American Express card's travel insurance cover?

Amex travel insurance features vary by card, but can include some or all of:

Rental car insurance
Baggage insurance
Global assistance
Emergency medical evacuation
Physician/dentist referral

Does American Express travel insurance cover pre-existing conditions?

Most medical-related coverage offered by Amex travel insurance specifically excludes pre-existing conditions. If that’s something you’re worried about, you may wish to seek supplementary travel or medical coverage.

How does American Express travel insurance define a pre-existing condition?

According to Amex: “A pre-existing condition is any sickness, illness, or injury that has manifested itself, become acute, or was being treated in the 60-day period immediately prior to the start of a trip.”

Does American Express travel insurance cover issues related to pregnancy?

Yes, as long as you are not traveling against the advice of a physician. Be sure to check with your doctor before taking a trip.

Should I get separate travel insurance in addition to what comes with my card?

You should look into the specific benefit terms of your card when deciding whether you need additional coverage or not.

American Express offers a standalone travel insurance product that can be used to supplement the insurance that comes with your card. This could be a good option if you decide you do need additional coverage.

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The Amex Platinum Travel Insurance Guide 2024

Published: Nov 9, 2023, 12:25pm

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About travel insurance from the platinum card®, how does the platinum card® from american express travel insurance work, what travel insurance does the platinum card® offer, travel insurance summary, the platinum card® pre-existing medical conditions, exclusions to the platinum card® travel insurance, the platinum card® 24/7 travel assistance, when does the platinum card® travel insurance start and end, how to file a claim with the platinum card® travel insurance, the bottom line, frequently asked questions (faqs).

The Platinum Card® from American Express comes with a long list of perks and benefits , especially for high-earning frequent travellers. While the card comes with a hefty $799 annual fee, it offers a worthwhile bevy of travel perks, including a $200 annual travel credit, a $100 credit towards a NEXUS application and generous travel benefits. such as guaranteed late check-outs, room upgrades, early check-in and in-room Wi-Fi. Then there’s the airport lounge access, and the even better perks if you fly out of Toronto’s Pearson International airport, such as valet service, discount parking and priority access.

Another included benefit is the travel insurance, which is a must-have any time you’re travelling outside of Canada, as your provincial or territorial plan has limited coverage if you get sick or injured. Other than that, if you have to cancel your trip before you leave or if you have to return home unexpectedly, travel insurance may be able to help reimburse some, if not all, of your expenses.

So let’s take a closer look at the travel insurance benefits offered by The Platinum Card® from American Express.

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Travel insurance is offered by most travel credit cards as a complimentary perk, and the Platinum Card® from American Express card is no exception. This card includes coverage for emergency medical, trip cancellation and interruption, flight delay, baggage protection , and even coverage in the event your accommodations are burgled.

Keep in mind that travel insurance is designed to cover losses from “sudden and unforeseeable circumstances” and that the card only covers the first 15 days of travel. You can take as many trips as you’d like, but you must return home first between trips.

The Platinum Card® from American Express travel insurance is underwritten by Royal & Sun Alliance Insurance Co. of Canada, except for the travel accident insurance coverage, which is underwritten by Chubb Life Insurance Company of Canada.

Unlike separate travel insurance policies , you don’t need to apply for travel insurance with The Platinum Card® from American Express as it’s an automatic perk of the card. However, there are requirements in place if you want to access the card’s insurance benefits:

You need to pay for your trip with the card.
You need to be 65 years old or younger.
You need to be a resident of Canada.
You must have current coverage under your province or territory’s government health insurance plan (GHIP).

Here are the key types of travel insurance coverage offered by the The Platinum Card® from American Express credit card:

Out of province/country emergency medical insurance: If you get ill or are injured on your trip, travel medical insurance can pay for emergency medical expenses, up to the $5 million covered limit.

Emergency medical treatment coverage for the The Platinum Card® from American Express card includes:

Hospital accommodation up to a semi-private room
Treatment by a physician or surgeon
Outpatient hospital charges
X-rays and other diagnostic tests
Use of an operating room, intensive care unit, anaesthesia and surgical dressings
Prescription drugs (except for a chronic medical condition)
Local ground ambulance services or taxi/rideshare fare in a medical emergency
Rental or purchase of a hospital-type bed, wheelchair, brace, crutches and other medical appliances
Registered private nursing
Emergency dental expenses due to a blow to the face, plus continued treatment upon your return (within 90 days of the injury)
Emergency relief of dental pain
Professional services, such as that from a physiotherapist, chiropractor, osteopath, chiropodist or podiatrist
Return home due to a medical emergency
Return of your remains, plus associated costs
Additional meal and accommodation expenses after your return home is delayed due to you or your travelling companion’s medical emergency
Bringing a bedside companion to you if you are hospitalized for more than three days (or immediately if you are under age 21 or physically handicapped and dependent on your bedside companion for support)
Return of your vehicle or rental due to a medical emergency
Return of dependent children due to a medical emergency if you are hospitalized more than 24 hours or due to repatriation
Return of excess baggage due to a medical emergency

Trip cancellation insurance: If you cancel your trip before your departure date for a covered risk listed in your insurance policy, trip cancellation insurance can reimburse you for prepaid, non-refundable costs, such as airfare or hotels.

Covered risks include:

Your emergency medical condition, or the emergency medical condition of your travelling companion
Hospitalization or emergency medical condition of an immediate family member, business partner, key employee or caregiver
Your death, or death of an immediate family member, business partner, key employee, caregiver or travelling companion, family of your travelling companion or your host at your destination
A government advisory to “avoid non-essential travel” or “avoid all travel”
Transfer by your employer for you or your spouse
Loss of you or your spouse’s job
Cancellation of a business meeting
Being summoned to serve as a reservist, military, police, fire or medical personnel
An event that renders your home or place of business inoperative
Quarantine or hijacking of you, your spouse or dependent child
You or your spouse being called for jury duty, being subpoenaed as a witness or being required to appear in a judicial proceeding

Trip interruption insurance: Trip interruption insurance kicks in once you’re on your trip if you have to return home earlier than expected due to a covered risk and can pay for a last-minute flight home and/or reimburse you for the unused portion of your travel arrangements that are non-refundable and non-transferable. This insurance also provides benefits, such as reimbursement for accommodation, meals, telephone and rides, if your return home is delayed due to a covered reason.

The covered risks are similar to those for trip cancellation insurance, but also include:

Delay of a private car causing a missed connection or flight due to mechanical failure of that transportation, weather, earthquake, volcanic eruption, traffic accident or an emergency road closure
Delay of your common carrier causing a missed connection due to the above unexpected issues
Delay of your common carrier causing a delayed departure due to the above unexpected issues causing you to miss your scheduled cruise or tour

Like emergency medical insurance and trip cancellation insurance, trip interruption coverage is for sudden and unforeseeable circumstances. To ensure you’re able to access your coverage when you need it most, it’s crucial to review the complete list of covered risks to understand what is and is not covered and under what circumstances.

Flight and baggage delay insurance: This insurance provides coverage in the event that your flight and/or baggage is delayed, or if you suffer a loss due to a hotel burglary.

The coverage and benefits are as follows:

Missed connection: If a delay of an incoming flight causes a missed connection and no alternative onward transportation is available within four hours of deplaning, this insurance will pay up to the benefit limit for expenses related to meals, accommodations and rides incurred within 48 hours of deplaning.
Delayed flight departure or denied boarding: If your departing flight is delayed for four hours or more or if you’re denied boarding due to overbooking and no alternative transportation is available within four hours of your scheduled departure, this insurance will pay up to the benefit limit for expenses related to meals, accommodations and rides incurred within 48 hours of the delay or denied boarding.
Emergency baggage delay: If your checked baggage is not delivered within six hours of arriving at your destination, this insurance provides reimbursement for expenses related to essential clothing and toiletries that are purchased within the first four days after arrival and before your bags are returned.

The maximum aggregate limit for the three coverages above is $1,000.

Hotel burglary insurance: If your accommodations are burgled due an illegal forced entry, this coverage will reimburse you for the loss of personal items, excluding cash. The maximum amount payable is $1,000 per burglary.

Lost or stolen baggage insurance: This insurance can compensate you up to your policy limit if your baggage is lost or stolen. Specifically, this insurance reimburses you for loss or damage to owned or borrowed baggage and personal effects, whether in transit as checked baggage or carried on board, as long as your full fare was paid with the card. The maximum amount payable is $1,000 for all insured persons combined. The amount includes a $300 limit for jewellery and a $250 limit for golf clubs, including golf bags.

This coverage does not cover loss or damage of eyeglasses or contact lenses, artificial teeth or limbs, cameras and camera equipment, electronics including laptops and cell phones, sports equipment (except gear for golf, skiing or tennis), fragile objects, such as china or glass, art or antiques, business items, household effects, perishable goods, animals, furs, cash, securities, or valuable papers and documents.

Travel accident insurance: This coverage offers compensation in the event of accidental death or catastrophic injury from a flight accident during your trip, including the loss of limbs or eyesight. Injury can be sustained during a flight or during alternative transportation due to a delayed or rerouted flight. The amount paid out depends on the severity of the loss or dismemberment and the insurer will only pay for one loss. The maximum amount payable is $500,000 per covered person and the benefit amount paid is for the greatest loss.

Car rental theft and damage insurance: This insurance covers theft, loss or damage to a rental vehicle for up to 48 consecutive days when you use your card to pay for the rental. In the event of theft or damage, you or the rental agency will be compensated up to the actual cash value of the vehicle (maximum $85,000 MSRP). It’s important to note there are a number of rental vehicles excluded from this coverage, including vans or cargo vans, pick-up trucks, off-road vehicles, motorcycles, trailers or RVs and antique cars. You will still require your own third-party liability, personal injury and damage to property car insurance coverage.

We’ve highlighted key benefits of the travel insurance offered by The Platinum Card® from American Express.

(i) $1,000 aggregate maximum for flight delay insurance and baggage delay insurance.

In general, a pre-existing condition is defined as any sickness, injury or medical condition, whether or not diagnosed by a physician, that you showed signs or symptoms or received medical attention for before the start of your coverage.

The Platinum Card® from American Express Travel Insurance will not pay any expenses related to any medical condition that is not stable in the 90 days before you leave on your trip.

A medical condition is considered stable when there has been:

No new treatment, medical management or prescribed medication, and
No change in treatment, medical management or medication (with some exceptions), and
No new, frequent or severe symptoms or findings, and
No new test results or results showing a deterioration, and
No investigations or future investigations initiated or recommended, and
No hospitalization or referral to a specialist, made or recommended

In addition, The Platinum Card® from American Express will not pay any benefits for the following:

Your heart condition (with or without diagnosis) that has not been stable in the 90 days before your departure or for which you have taken nitroglycerin more than once per week for the relief of angina pain.
Your lung condition (with or without a diagnosis) that has not been stable in the 90 days before your departure or for which you have been treated with home oxygen or taken oral steroids, such as prednisone or prednisolone, for any lung condition.

In addition to pre-existing conditions, The Platinum Card® from American Express Travel Insurance does not pay expenses related to the following general exclusions:

Any medical condition for which future investigation or treatment is planned before your trip
Continued treatment of a medical emergency, included any heart or lung condition, if you chose not to return home after receiving emergency care
Any services that are not related to an emergency
Routine care of a chronic condition
Routine prenatal care
Pregnancy, complications or birth of a child in the nine weeks before or after your expected delivery date, or any child born on a trip
Invasive testing or surgery without prior approval, or any other benefits that require prior authorization that did not receive authorization
Expenses related to participation as a professional athlete in a sporting event, including training or practice; any motorized race or motorized speed contest; or high-risk activities including scuba diving without a basic scuba designation, hang gliding, rock climbing, paragliding, skydiving, parachuting, bungee jumping, mountain climbing, rodeo, heli-skiing, any downhill skiing or snowboarding outside marked trails, any cycling racing event or ski racing event
The commission of or attempt of a criminal act
Intentional self-inflicted injury, suicide or attempt to commit suicide
Any medical condition related to chronic use of alcohol or drugs, or your abuse of medication, drugs or alcohol, or non-compliance with prescribed medical treatment
Mental or emotional stress, including anxiety and panic, unless it was severe enough to require medical attention
War or rebellion
Any treatment, surgery, investigation, palliative care or alternative therapy that was the purpose of your trip
Any medical condition for which treatment is expected
Symptoms in the 90 days before your trip that would cause a “prudent” person to seek medical attention
Treatment for any condition for which you have been advised by your physician not to travel
Any medical condition suffered or contracted or loss incurred in a country where there is an “avoid non-essential travel” or “avoid all travel” travel advisory in effect before you leave on your trip
Any medical condition if the insurer’s medical advisors recommend you return home and you choose not to return
Any radiation or radioactive contamination from any nuclear fuel or waste, or the radioactive, toxic, explosive or other dangerous properties of nuclear machinery

There are additional exclusions related to particular insurance coverages, so read your certificate of insurance carefully.

Travel assistance is available 24/7 and is provided by Global Excel Management Inc.

The following assistance services are available:

Direction to one or more recommended medical service providers near you
Confirmation of coverage
Direct payment of eligible medical expenses to your service provider
Consultation with your physician and monitoring of your care
Monitoring the appropriateness, necessity and reasonableness of that care to ensure your expenses will be covered by insurance
Conveying emergency messages to your immediate family, physician or business
Coordination to replace your prescription eyeglasses or medication if necessary (though the actual cost to replace these items is not covered)

In the event of a medical emergency you, or someone acting on your behalf, must call Global Excel before receiving any medical treatment or, if this is medically impossible, as soon as possible afterward. If you do not make contact before seeking medical treatment or if you receive care from a non-approved medical service provider, you will be responsible for 20% of your covered medical expenses to a maximum of $25,000.

Emergency medical coverage: This is provided by the Platinum Card® from American Express for the first 15 consecutive days of your trip, starting with the day you leave your home province or territory and ending the day you return home.

However, coverage is automatically extended beyond the 15-day limit by the following amounts due to these circumstances:

Up to five dates if you or your travelling companion are hospitalized due to a medical emergency on your scheduled return date
Up to five days if you must delay you or your travelling companion’s return date due to a medical emergency
Up to 72 hours if there’s a delay with your common carrier (plane, train, etc.) on your return date

Trip cancellation and trip interruption coverage: This begins on your effective date, or the date any portion of the trip costs are first charged to the card or paid by American Express Membership Rewards points. The coverage ends at midnight on your return date, though may be subject to extension due to the circumstances noted above.

Flight and baggage delay insurance: This coverage begins when your full fare is charged to your The Platinum Card® from American Express card. The hotel burglary insurance begins when your accommodations are reserved, booked and charged to your card. Coverage ends when you return home.

Lost and stolen baggage insurance: This starts when your baggage has been checked in and is in the care of an airline, or in the case of carry-on baggage, when you board the plane.

Travel accident insurance: This is in effect for the duration of the policy and will cover losses that happen within 100 days of the date of the accident that caused the injury.

Car rental theft and damage insurance: This valuable coverage is valid for a maximum of 48 consecutive days, starting the day you take control of the rental car. If you rent your vehicle for more than 48 days, there is no coverage provided, including for the first 48 days. You can not extend your insurance in any way. You can only qualify for the car rental theft and damage insurance coverage once in a calendar year.

In addition, coverage for all The Platinum Card® from American Express travel insurance ends when:

Your account is cancelled.
Your privileges are terminated.
Your account is no longer in good standing.

You can fill a claim by visiting the online claims portal at amex.rsagroup.ca. There you can start a claim and submit your required supporting documents. Once submitted, you can track the status of your claim through the portal.

You must file your claim(s) within a prescribed number of days, as follows:

Depending on your claim, you may need to submit supporting documentation with your completed claim and authorization form, including:

Proof of your departure and return dates
Originals of all bills, invoices and receipts
Proof of payment by your government health insurance plan and/or payment from any other insurer or benefit plan
Complete diagnosis from the physician and/or hospital that provided the treatment, including confirmation that the treatment was medically necessary
Proof of the accident for emergency dental treatment
Written evidence of the risk insured that was the cause of the cancellation, interruption or delay
Tour operator terms and conditions
Copies of Amex statements showing payment of your trip or redemption of points
Complete unused transportation tickets and vouchers
Receipts for prepaid land arrangements and/or subsistence expenses
Original passenger receipts for new tickets
Reports from the police or local authorities documenting the cause of the missed connection
Detailed invoices and/or receipts from service providers
A copy of the travel agent’s invoice or itinerary and account statement of the full fare expenses
Alternate boarding pass or flight delay report from the airline
Verification from the airline of the delay, including reason, duration of delay and any compensation received
Proof of delivery confirming date/time baggage was delivered
Invoice issued by your accommodations
Police report confirming forced entry and a burglary report from the accommodation
Receipts for repaired or replaced items
Lost or damaged baggage report
Proof of settlement from your personal insurance company and/or airline
Estimate of personal item or baggage repair(s)
Itemized original receipts for replacement items
Vehicle rental agreement
Accident or damage report

You may also need to undergo a medical examination by a physician (or physicians) selected by the insurer.

The travel insurance offered by The Platinum Card® from American Express card offers comprehensive coverage in case of a wide number of travel calamities. For a simple trip of less than 15 days, this card likely offers sufficient protection. But if you plan on travelling for longer, have some high-risk activities in mind or live with pre-existing health conditions, you may want to consider additional coverage.

Does The Platinum Card® from American Express travel insurance pay directly?

According to the certificate of insurance, “.. wherever possible, Global Excel will… pay your eligible medical expenses directly to the recommended medical service provider.” The insurer also notes, however, that “there are certain countries where, due to local conditions or travel reports from the Canadian government, assistance services are not available and you may be required to make a payment up front.” In this case, it’s crucial that you obtain detailed and itemized original receipts to later use for your claim.

Does The Platinum Card® from American Express travel insurance have any age restrictions?

You must be at least 15 days old and under age 65 to qualify for The Platinum Card® from American Express travel insurance.

Does The Platinum Card® from American Express travel insurance have any date restrictions?

The Platinum Card® from American Express travel insurance will only cover the first 15 days of travel. Beyond 15 days, you can request a top-up of coverage for an extra premium.

Does The Platinum Card® from American Express travel insurance cover COVID-19?

Emergency medical coverage is available for COVID-19-related emergencies, as long as there is no “avoid all non-essential travel” or “avoid all travel” travel advisory in effect for your destination. If an advisory is issued while you are on your trip, The Platinum Card® from American Express provides coverage for medical emergencies related to COVID-19 for up to 10 days. If you are experiencing symptoms of COVID-19 before you leave on your trip, your insurance will likely not provide coverage as it is considered a pre-existing condition. According to the trip cancellation and trip interruption certificate of insurance (effective January 1, 2021), “A trip cancellation, trip interruption or trip delay, which is related, directly or indirectly, to Coronavirus disease 2019 (COVID-19)” is not covered. This means that expenses related to quarantine, refused boarding or refused entry are not covered.

What if my insurance benefits are insufficient?

The Platinum Card® from American Express travel insurance is considered excess insurance and last payor, meaning that all other sources of reimbursement, such as your provincial or territorial health plan and (if applicable) and any other insurance, such as that from a current or former employer, must be exhausted first. The Platinum Card® from American Express will pay the balance owing for eligible expenses. You are responsible for any deficit between the amount owing and the amount covered by insurance.

What if I’m travelling more than 15 days?

If you travel for more than 15 days, you can either request a top-up from The Platinum Card® from American Express and pay the extra premium or you can purchase a standalone policy.

Which is better: credit card or separate travel insurance ?

The choice between credit cards travel insurance or an individual, separate travel insurance plan is a personal one, based on your travel itinerary, health and insurance needs. Credit card travel insurance is a useful perk included in a card’s annual fee. There is no additional premium for insurance, unless you require coverage longer than the number of days under your policy, for example, 15 days with the The Platinum Card® from American Express card. You’ll need to purchase your non-refundable and non-transferable expenses, such as flights and hotels, with the card to get coverage. However, credit card travel insurance is limited compared to separate travel insurance policies that often have higher benefits, more comprehensive coverage and can include add-ons for high-risk activities or pre-existing conditions. If your credit card does not meet your needs, you can purchase a standalone policy as a top-up to your card’s coverage.

Can I pay for my trip with points and still get travel insurance coverage?

It depends. Trips will be covered if trip costs are paid for by redeeming Amex Membership Rewards Program points, but not if points are used from another reward program.

Advertiser's Disclosure

American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information, click the Apply Now link. If you apply and get approved for an American Express Card, (I/we) may receive compensation from American Express, which can be in the form of monetary payment.

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Comparing travel protections with the Chase Sapphire Reserve and Amex Platinum

The Chase Sapphire Reserve and The Platinum Card® from American Express are two of the most popular travel rewards cards . After all, both cards offer valuable transferable rewards , lounge access and the ability to receive elite-like perks when booking hotels through Amex's Fine Hotels & Resorts program and Chase's Luxury Hotel & Resort Collection .

Like many of the top rewards cards , the Chase Sapphire Reserve and Amex Platinum Card also provide travel insurance when you use your card to book travel. In particular, these two premium travel rewards cards offer an excellent combination of trip insurance and bonus earnings on select travel purchases. So, in this guide, let's compare the travel insurance provided by these two cards.

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 doesn't provide baggage delay insurance , emergency medical and dental benefits , roadside assistance or travel accident insurance . For brevity, I won't discuss the types of insurance the Amex Platinum doesn't provide any further in this guide.

Instead, I'll compare the protections head-to-head for the types of insurance provided by both cards. You can find the guide to benefits for both cards as follows:

Chase Sapphire Reserve benefits guide
Amex Platinum benefits guide

And to learn more about both cards, check out our Chase Sapphire Reserve credit card review and Amex Platinum card review .

Related: Amex Platinum vs. Chase Sapphire Reserve: Which card is right for you?

Trip delay insurance

Trip delay insurance may provide reimbursement for reasonable expenses during a delay when traveling on a common carrier. Here's a comparison of the Chase Sapphire Reserve 's and Amex Platinum Card 's trip delay insurance.

As you may gather from the above table, the primary differences in trip delay coverage are:

The Amex Platinum requires round-trip travel, which you must buy with your card (in whole or combination with other eligible methods).
The Amex Platinum doesn't cover overnight delays that are less than six hours.
The Amex Platinum caps your claims to two per 12-month period.
The Amex Platinum covers traveling companions as long as you pay for their round-trip common carrier fares with your card.
The Chase Sapphire Reserve explicitly covers delays due to strikes, while the Amex Platinum explicitly covers delays due to lost or stolen passports or travel documents.

Related: Chase paid for my $1,100-per-night hotel room thanks to built-in trip delay coverage

Trip cancellation/interruption insurance

Trip cancellation and interruption insurance may provide reimbursement for nonrefundable, prepaid trip expenses when you must cancel or alter a trip due to a covered situation. In some cases, you may be covered for additional expenses. Here's a comparison of the Chase Sapphire Reserve 's and Amex Platinum Card 's trip cancellation and interruption insurance:

As you can see in the above table and the related benefits guides, the primary differences in trip cancellation and trip interruption coverage are:

The Amex Platinum requires round-trip travel , paid with your card (in whole or in combination with other eligible methods). Only travel expenses put on the card used for round-trip common carrier travel will be covered.
The Amex Platinum may cover the cost to return home or rejoin the trip if your trip is interrupted.
The Chase Sapphire Reserve may reimburse redeposit fees imposed by a rewards program if your trip is canceled or interrupted, as well as change fees and car positioning fees if your trip is interrupted.
The Chase Sapphire Reserve covers more types of losses, including if your accommodation at your destination is made uninhabitable or your host at your destination dies or is hospitalized.
The Amex Platinum excludes losses related to mental or emotional disorders unless hospitalized. The Amex Platinum also excludes losses that occur when you're intoxicated. The Chase Sapphire Reserve excludes any loss for any trip booked while on a waiting list for specified medical treatment.

Check out American Express' trip cancellation and interruption insurance coronavirus frequently asked questions if you're wondering whether the Amex Platinum's insurance will cover coronavirus -related cancellations or interruptions.

Related: Be careful: Avoiding outbreaks isn't covered by most travel insurance

Auto rental collision damage waiver

The collision damage waiver offered by both cards can cover your rental car if you're in an accident or if it's stolen or damaged. Here's a comparison of the Chase Sapphire Reserve 's and Amex Platinum Card 's rental car insurance.

^ 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.

As you can see in the above table and the related guide to benefits, the primary differences in car rental collision damage protection are:

The Chase Sapphire Reserve covers more types of vehicles.
The Chase Sapphire Reserve provides primary coverage.
The Chase Sapphire Reserve doesn't have country exclusions.
The Amex Platinum offers coverage to spouses when payment is made with an eligible card.
While the Amex Platinum coverage specifically mentions peer-to-peer rentals, it's unlikely your Sapphire Reserve would cover Turo rentals .

If you'd prefer to get primary coverage for rental cars when using American Express cards , you can enroll in American Express' Premium Car Rental protection .

Related: 11 common rental car mistakes — and how to avoid them

Emergency evacuation and transportation insurance

The emergency evacuation and transportation insurance provided by these cards can arrange and pay for necessary emergency medical transport and evacuation under eligible circumstances. Here's a comparison of the Chase Sapphire Reserve 's and Amex Platinum Card 's emergency evacuation and transportation insurance.

# 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.

As you can see in the above table and the related guide to benefits, the primary differences in the emergency medical evaluation benefit are:

You're covered by the Amex Platinum even if you use another card to purchase your common carrier fare, whereas you must at least partially pay with the Chase Sapphire Reserve or associated rewards to be covered.
The Chase Sapphire Reserve has stricter requirements for trip length.
Both cards offer additional benefits that can bring a family member to your side or return now-unaccompanied minors home.

Related: A Medjet medical transport membership is different than travel insurance. Here's why you need both

Lost luggage reimbursement

The lost luggage benefit offered by both cards may reimburse you if your baggage is lost, damaged or stolen during a trip. Here's a comparison of the lost luggage reimbursement provided by the Chase Sapphire Reserve and Amex Platinum Card .

† 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 above table and the related guide to benefits, the primary differences in lost luggage reimbursement are:

The Amex Platinum explicitly notes that losses due to confiscation by TSA aren't excluded.
The Chase Sapphire Reserve covers a broader selection of family members when you pay for their ticket using your card.
The cards exclude different types of items and types of loss.

Related: Everything you need to know about Amex's baggage insurance plan

When should I use the Chase Sapphire Reserve vs. the Amex Platinum?

The Platinum Card from American Express earns 5 Amex Membership Rewards points per dollar spent on flights booked directly with airlines or with American Express Travel (on up to $500,000 of these purchases per calendar year, then 1 point per dollar) for an approximate 10% return based on TPG's valuations . The Chase Sapphire Reserve earns 10 Chase Ultimate Rewards points per dollar on hotels and rental cars purchased through the Chase Travel portal , 5 points per dollar on flights booked through this portal, 10 points per dollar on Lyft rides through March 2025 and 3 points per dollar on all other travel (bonus points earning comes into effect after exhausting the $300 annual travel credit ).

The Sapphire Reserve has an annual fee of $550 while the Amex Platinum Card has a $695 annual fee (see rates and fees ).

Related: Amex Membership Rewards vs. Chase Ultimate Rewards: Which is the best?

Despite the earning gap (which can sway one way or the other, depending on how you book your flights), you may want to use the Chase Sapphire Reserve when booking some common carrier travel. I recommend checking out the guide to both cards' benefits and considering which card is best for your travel expenses. To help, here are some reasons to consider each card.

Reasons to use the Chase Sapphire Reserve

Offers a baggage delay benefit , an emergency medical and dental benefit, and roadside assistance up to $50 up to four times a year.
Only a portion of your travel expenses must be charged to your card to unlock most benefits (whereas the Amex Platinum generally only provides benefits when you charge the entire common carrier fare to your card).
No requirement for round-trip travel.
Provides trip delay benefits if you're delayed overnight for less than six hours.
Provides primary car rental coverage.
Offers travel accident insurance (although the Amex Platinum provides some travel accident insurance on car rentals).
Includes strikes as an eligible reason for trip delay insurance.
May reimburse redeposit fees imposed by a rewards program under trip cancellation/interruption insurance .

OFFICIAL APPLICATION LINK: Chase Sapphire Reserve

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

Bottom line

Some travelers who have both cards put their flights on the Amex Platinum to earn 5 points per dollar and put other travel expenses on the Chase Sapphire Reserve to earn 3 points per dollar and activate their trip cancellation and interruption protections.

You might want to keep the Amex Platinum primarily for Centurion Lounge access , hotel elite status and access to Amex Fine Hotels & Resorts , as well as nearly $1,500 in annual credits available to cardmembers.

However, you might want to avoid booking flights with the Amex Platinum because of the round-trip requirement and the lack of baggage delay protection . Instead, you'd prefer to use the Chase Sapphire Reserve for common carrier fares and other travel expenses .

Additional reporting by Ryan Smith.

For rates and fees of the Amex Platinum card, click here .

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Travel forward with Platinum

There’s no going back to travel as usual. Enjoy benefits that elevate more of life’s moments.

5X points for flights

Per dollar spent on flights purchased directly from airlines or American Express Travel on up to $500,000 per calendar year.

5X points for prepaid hotels

Per dollar spent on prepaid hotel purchases, booked, and paid in advance, online at AmexTravel.com .

1X points on everything else. Per dollar spent on all other eligible purchases.

Enjoy Platinum benefits for every part of the journey

$200 Airline Fee Credit

Get up to $200 in statement credits per calendar year when incidental fees, such as checked bags and in-flight refreshments, are charged by one selected airline to your Platinum Card Account. Airline selection required.

American Express relies on airlines to submit the correct information on airline transactions to identify incidental fee purchases. If you do not see a credit for a qualifying incidental purchase on your eligible Card after 8 weeks, simply call the number on the back of your Card. Qualifying airlines are subject to change. See terms & conditions for more details.

International Airline Program

As a Platinum Card® Member, you can get exclusive access to lower fares for you and your travel companions when you book select First, Business, or Premium Economy class tickets on International itineraries with the International Airline Program through American Express Travel®.

American Express Global Lounge Collection

When you’re seeking a place to rest and recharge while traveling, enjoy access to more than 1400+ lounges across 650+ cities, and 140 countries around the world.

With Lounge Finder, you can locate and check into nearby airport lounges based on your location. To gain entry, simply use the Amex®️ App to display a QR code within Mobile Check-In.

$189 CLEAR® Credit

CLEAR® uses unique attributes, such as eyes or fingerprints, to digitally verify identity to help its members move faster through security at select airports nationwide. You can cover the cost of a CLEAR Plus membership* with up to $189 in statement credits per year after you pay for CLEAR Plus with your Platinum Card.

*Excluding any applicable taxes and fees. Subject to auto-renewal.

Global Entry or TSA PreCheck®

Stay focused on getting where you need to go. Receive either a statement credit every 4 years after you apply for Global Entry ($100) or a statement credit every 4.5 years after you apply for a five-year membership for TSA PreCheck® (up to $85 through a TSA PreCheck official enrollment provider) and pay the application fee with your Platinum Card.

If approved for Global Entry, at no additional charge, you will receive access to TSA PreCheck. Each Additional Card on eligible Card accounts is also eligible for one statement credit for an application fee for a five-year membership every 4 years for Global Entry or every 4.5 years for TSA PreCheck. To receive the statement credit, the application fee must be charged on the eligible Additional Card.

To read the full terms and conditions, visit www.americanexpress.com/expeditedtravel .

Car Rental Privileges

Enjoy complimentary premium status for a number of car rental programs. Once enrolled in a program, receive upgrades when available, discounts, and priority service for your next car rental at participating locations.

Enrollment required. See terms & conditions for more details.

Premium Travel Service

Enjoy personalized travel planning from Platinum Travel Services. Call 800-525-3355 to speak with a Travel Counselor.

$200 Uber Cash

With your Platinum Card, you’ll receive $15 in Uber Cash for U.S. rides with Uber and orders with Uber Eats every month in the U.S., plus a $20 bonus in December, delivered straight through an exclusive Uber app experience. That’s up to $200 in annual savings.

Simply download the Uber app and add your Platinum Card to your Uber account to get started.

Global Dining Access by Resy

Unlock access to exclusive reservations and special dining experiences with Global Dining Access by Resy when you add your Platinum Card to your Resy profile.

Learn more at resy.com/globaldiningaccess , or log into the Resy app to take advantage.

Premium Events Collection

As a Platinum Card® Member, you have access to Premium Events Collection™, which allows you to purchase tickets to see inspiring exhibits, attend some of the world’s biggest sporting events, experience acclaimed restaurants and more. Premium Events Collection™ experiences are customized and are not available to the general public. Visit American Express Entertainment online for details.

Elevate your stay

$200 Hotel Credit

Get $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection* bookings through American Express Travel when you pay with your Platinum Card®.

*The Hotel Collection requires a minimum two-night stay.

Fine Hotels & Resorts

When you're ready to relax and need an escape, enjoy an unforgettable experience with Fine Hotels + Resorts®. When you book through American Express Travel, you’ll receive a suite of benefits with an average total value of $600* in perks, like daily breakfast for two, 4pm check-out, and more. Plus, book on AmexTravel.com and you can earn 5X Membership Rewards® points, or use Pay with Points, on prepaid stays.

*Average value based on Fine Hotels + Resorts bookings in 2022 for stays of two nights. Benefits include daily breakfast for two, room upgrade upon arrival when available, $100 amenity, guaranteed 4pm late checkout, noon check-in when available, and welcome amenity at select properties. Certain room categories not eligible for upgrade. $100 amenity and welcome amenity vary by property. Actual value will vary based on property, room rate, upgrade availability, and use of benefits.

Complimentary 3rd Night at Select Hotels

Celebrate your membership and 40 years of the Platinum Card® with access to a complimentary 3rd night at 200+ Fine Hotels + Resorts® and The Hotel Collection properties booked through American Express Travel®. Travel dates and terms apply.

The Hotel Collection

Every property in The Hotel Collection was handpicked with design in mind. Find a hotel that suits your style and enjoy signature perks like a $100 experience credit* when you book a 2-night stay with American Express Travel.

*Experience credit varies by property.

Hilton Honors Elite Status

With Hilton Honors Gold status, you can enjoy benefits at hotels and resorts within the Hilton Portfolio and earn reward stays faster with Hilton Honors Bonus Points. Terms apply.

Marriott Bonvoy Gold Elite Status

Upgrade to Gold Status. With Marriott Bonvoy Gold Elite Status, you can receive upgrades to enhanced rooms upon check-in when available.*

Plus, earn 10 points per eligible U.S. dollar spent and a 25% bonus over base-level members. Late checkout up to 2pm, subject to availability at resort and conference center hotels. Receive a welcome gift of points upon arrival.

*Subject to availability at check-in for the length of the stay, provided the room was not booked through a pre-paid third-party channel.

Explore Cruises and Custom Vacations with American Express Travel

Platinum Destinations® Vacations

Craft the adventure of a lifetime with American Express Travel®. From safaris on the Serengeti to sailing in Santorini, savor the wonders of the world with custom itineraries and personalized service, and earn 2X Membership Rewards® points on eligible bookings made through American Express Travel®. With Platinum Destinations® Vacations, each trip you take gets you closer to the next.

Cruise Privileges Program

Platinum Card® Members receive valuable benefits on eligible sailings of 5 nights or more with participating cruise lines when booking through American Express Travel or AmexTravel.com . † Up to $300 onboard credit per stateroom to use toward dining, spa and more. One unique amenity per stateroom. Earn 2X Membership Rewards® points per booking through American Express Travel. Available only for Platinum Card and Centurion Members.

† Ship and stateroom exclusions apply, please see full terms and conditions.

Custom Travel Planning

Enjoy personalized itineraries, world-class service, and get one extra Membership Rewards® point for every eligible dollar you spend on a qualifying vacation package.

Plan, book, and travel your way

From exploring new destinations to booking them, do it all in one place with American Express Travel.

Travel with more support and confidence

Trip Cancellation and Interruption Insurance

Despite our best efforts, sometimes things happen that are out of our control. If you purchase a round trip entirely with your Eligible Card and a covered reason cancels or interrupts your trip, Trip Cancellation and Interruption Insurance can help reimburse your non-refundable expenses purchased with the same Eligible Card, up to $10,000 per trip and up to $20,000 per Eligible Card per 12 consecutive month period. Terms, conditions and limitations apply.*

*Coverage is provided by New Hampshire Insurance Company, an AIG Company.

Trip Delay Insurance

If a round-trip is paid for entirely with your Eligible Card and a covered reason delays your trip more than 6 hours, Trip Delay Insurance can help reimburse certain additional expenses purchased on the same Eligible Card, up to $500 per trip, maximum 2 claims per Eligible Card per 12 consecutive month period. Terms, conditions and limitations apply.*

Baggage Insurance Plan

Can provide coverage for lost, damaged or stolen baggage when traveling on a Common Carrier Vehicle (e.g. plane, train, ship, or bus) when the Entire Fare has been charged to your Eligible Card. Coverage limits apply. Please read important exclusions and restrictions.

Car Rental Loss and Damage Insurance

Can provide coverage for Damage to or Theft of a Rental Vehicle in a Covered Territory when You use Your Eligible Card to reserve and pay for an Entire Rental and decline the collision damage waiver (CDW) at the Rental Company counter. Please read important exclusions and restrictions. Not all vehicle types or rentals are covered. Coverage is not available for vehicles rented in Australia, Italy, and New Zealand. This product provides secondary coverage and does not include liability coverage.

Premium Global Assist Hotline

When you're traveling more than 100 miles from home, Premium Global Assist can coordinate help on a select range of issues, including medical and legal.

Call ahead of your trip for important information specific to your destination. Our representatives will help you find a solution, or refer you to someone who can. Terms apply.

Emergency medical transportation assistance may be provided at no cost only if approved and coordinated by Premium Global Assist Hotline. Card Members may be responsible for the costs charged by third-party service providers.

No Foreign Transaction Fees

No matter where you're traveling, there are no foreign transaction fees when you use your Card.

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The Platinum Card® from American Express Travel Credits and Benefits
Amex Platinum Travel Insurance [auto_date-year Benefits Guide]
Amex Platinum: Full List of Travel Insurance Benefits [2024]
American Express Platinum Edge Review
American Express Travel Insurance Platinum

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COMMENTS

PDF American Express® Platinum Card Insurance Terms and Conditions
Express Card Account terms and conditions. Refer to Your American Express Card Account terms and conditions or please contact American Express by calling the number on the back of your Card to obtain a copy. Termination Cover will be terminated at the earlier of the following: • Your American Express Card Account is cancelled or suspended; or
PDF Trip Cancellation and Interruption Insurance
to begin the period of round-trip travel; (2) the period of round-trip travel ends when the . Eligible Traveler. returns by . Common Carrier. to the city of departure; (3) the period of round -trip travel does not exceed three hundred sixty-five (365) days away from the . Eligible Traveler's . city of residence at the time of departure; and ...
Platinum Travel Insurance
The Travel Inconvenience Insurance Plan provides benefits in the event of: Missed Departures and Missed Connections; delay, cancellation or overbooked flights; and Luggage Delay and Extended Luggage Delay when the Covered Trip is purchased and charged to your American Express International Dollar Card (IDC).. Up to US$250 per covered person for alternate travel, restaurant meals or refreshments
Amex Platinum: Full List of Travel Insurance Benefits [2024]
For the trip cancellation and interruption insurance coverage benefit of The Platinum 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.
AmEx Platinum Travel Insurance: What to Know
AmEx will provide up to $75,000 due to damage or theft of the rental vehicle, but be aware that the policy doesn't provide liability insurance. It'll also give you up to $1,000 per person (max ...
Amex Platinum Travel Insurance: What's Covered And What's Not?
This insurance provides: Up to $75,000 of coverage for damage to or theft of a rental vehicle, but liability is not included. Up to $1,000 per person for personal property lost during the incident with a cap of $2,000 per claim. Up to $5,000 for accidental injury.
Amex Platinum Travel Insurance Guide
On American Express's Website. ¹The 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 ...
How to generate a travel insurance certificate for the AMEX Platinum
AMEX Platinum Charge cardholders enjoy complimentary travel insurance when they pay for their outbound and inbound travel with their card. For the record, coverage will apply if you redeem airline miles and use the AMEX Platinum Charge to pay for taxes and surcharges.. Coverage includes, among other things: S$1 million for death or total permanent disability
PDF The American Express Platinum (Platinum Charge)
The American Express® Platinum (Platinum Charge) of The Platinum Card Travel Insurance BenefitsThe following are the Terms and Conditions of the travel insurance policy (Master Policy Number: 523-10002-8) held by American Express International Inc. ("American Express") 10 Marina Boulevard #15-00 Marina Bay Financial Centre Tower 2 ...
American Express Cards: Travel Insurance Benefits Guide [2024]
Up to $2,000 per person for checked bags and $3,000 per person for carry-ons, up to $3,000 per person. N/A. Premium Global Assist. The Business Platinum Card ® from American Express. $10,000 per covered trip, up to $20,000 in a 12-month period. Up to $500 per trip for delays above 6 hours. Secondary.
Amex Travel Benefits and Resources
American Express Travel Insurance (Policy AX0126, or Policy AETI-IND) is underwritten by AMEX Assurance Company, Administrative Office, Phoenix AZ. ... American Express Cards: Consumer, Business, or Corporate Platinum Card ... Upon booking an Activity, you will receive a confirmation email and PDF voucher. The PDF voucher is your ticket and ...
Amex Platinum Travel Insurance
The Amex Platinum Card travel insurance starts with generous trip cancellation and interruption coverage. If your trip is canceled or interrupted and you end up losing money to non-refundable, pre ...
Your guide to Amex's travel insurance coverage
5x on flights booked directly or with Amex Travel, 5x on hotels booked through Amex Travel, 1.5x points on eligible purchases in select business categories and eligible purchases of $5,000 or more; on up to $2 million of these purchases per calendar year), 1x on all other purchases. Terms apply. Trip cancellation, interruption and delay Insurance.
The Amex Platinum Travel Insurance Guide 2024
The Platinum Card® from American Express comes with a long list of perks and benefits, especially for high-earning frequent travellers. While the card comes with a hefty $799 annual fee, it ...
Amex Platinum Trip Delay Insurance: My Experience
The Amex Platinum Card offers valuable trip delay insurance, whereby you can be covered for up to $500 in necessary expenses when your trip is delayed by at least six hours. When I misconnected at DFW earlier this year, it seemed like the perfect opportunity to give this coverage a try. I'm happy to report that it worked exactly as planned ...
PDF Insurance Product Information Document
Your Insurance Documentation The Platinum Card® - March 2019 Page 1 of 20 American Express Travel Insurance Insurance Product Information Document Chubb European Group SE (UK Branch) is governed under the French insurance code with registration number 450 327 374 RCS Nanterre.
PDF Medical Conditions
conditions of this insurance, provided: 1. the insured person is not awaiting surgery for the condition, and 2. has been fully discharged from any postoperative follow-up. Please check this list before You book and commence each Trip. You should review this in conjunction with the full terms and conditions of
Travel insurance comparison: Chase Sapphire Reserve vs. American
Here's a comparison of the Chase Sapphire Reserve 's and Amex Platinum Card 's trip delay insurance. Up to $500 per ticket when you're delayed by six-plus hours or overnight. Up to $500 per covered trip when you're delayed by six-plus hours, with a maximum of two claims per eligible card within a 12-month period.*.
PDF TRAVEL INSURANCE
This document is a PDS and is also Our insurance Policy Wording. This document contains important information required under the Corporations Act 2001 (Cth) (the Act) and has been prepared to assist You in understanding American Express Travel Insurance and making an informed choice about Your insurance requirements.
PDF Scotiabank Platinum American Express Certificate of Insurance
ent flyer plan points, except Scene+ points.Claim ProceduresYou must call the administrator at 1-877-391-7507 from within Canada and the United States, or (416) 572-3636 l. cally or collect from other countries to obtain a claim form. You will be required to submit a completed claim form and provide docu.
PDF American Express Travel Insurance Section A
870 600 03421Email: [email protected] Calls cost a maximum of 1p per minute. plus your phone company's access charge.American Express and Chubb European Group SE are members of the Financial Ombudsman Service (FOS) who may be approached for assistance if you are. ot satisfied with the response y.
PDF American Express Velocity Platinum Card Benefits
Item, on the American Express Velocity Platinum Card Account. See the table below for details about when You are eligible for cover: ACTIVATION OF TRANSPORT ACCIDENT COVER Cover is effective when You pay the full fare for a Trip on the American Express Velocity Platinum Card Account or with Velocity Points. ACTIVATION OF TRAVEL INSURANCE COVER:
PDF American Express Travel Insurance Section A
FITS - THEFT, DAMAGE AND LIABILITY (CEG)£50,000 for theft or damage t. vehicle (including any applicable excess).£500,000 (US$1 million in USA) for. their property.TRAVEL INCONVENIENCE (CEG)£300 for missed departure due to accident or breakdown, trav. delay, overbooking, or missed connectio.
Platinum Credit Card Membership Guide
Cruise Privileges Program. Platinum Card® Members receive valuable benefits on eligible sailings of 5 nights or more with participating cruise lines when booking through American Express Travel or AmexTravel.com. Up to $300 onboard credit per stateroom to use toward dining, spa and more. One unique amenity per stateroom.

You’re our first priority. Every time.

The Guide to AmEx Platinum Travel Insurance

When does the AmEx Platinum travel insurance kick in?

Trip cancellation protection

Trip interruption coverage

Trip delay insurance

Rental car insurance

Baggage coverage

Premium Global Assist

How to maximize your rewards

How to generate a travel insurance certificate for the AMEX Platinum Charge

Planning to use your AMEX Platinum Charge's complimentary travel insurance? Here's how to get proof of coverage.

AMEX Platinum Charge insurance

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Frequently Asked Questions

Which American Express cards come with travel insurance?

Do I have to pay for the trip with my American Express card to get the travel insurance benefits?

What kinds of things does my American Express card's travel insurance cover?

Does American Express travel insurance cover pre-existing conditions?

How does American Express travel insurance define a pre-existing condition?

Does American Express travel insurance cover issues related to pregnancy?

Should I get separate travel insurance in addition to what comes with my card?

About Stephen Au

The Amex Platinum Travel Insurance Guide 2024

Table of Contents

Does The Platinum Card® from American Express travel insurance pay directly?

Does The Platinum Card® from American Express travel insurance have any age restrictions?

Does The Platinum Card® from American Express travel insurance have any date restrictions?

Does The Platinum Card® from American Express travel insurance cover COVID-19?

What if my insurance benefits are insufficient?

What if I’m travelling more than 15 days?

Which is better: credit card or separate travel insurance ?

Can I pay for my trip with points and still get travel insurance coverage?

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American Express Cobalt vs. Scotiabank Gold American Express Card

More from

Comparing travel protections with the Chase Sapphire Reserve and Amex Platinum

Overview of the travel insurance provided by these cards

Trip delay insurance

Trip cancellation/interruption insurance

Auto rental collision damage waiver

Emergency evacuation and transportation insurance

Lost luggage reimbursement

When should I use the Chase Sapphire Reserve vs. the Amex Platinum?

Reasons to use the Chase Sapphire Reserve

Reasons to use the Amex Platinum

Bottom line

Travel forward with Platinum

5X points for flights

5X points for prepaid hotels

Enjoy Platinum benefits for every part of the journey

Elevate your stay

Explore Cruises and Custom Vacations with American Express Travel

Plan, book, and travel your way

Travel with more support and confidence

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