Editorial Disclosure:The content featured on UpgradedPoints.com has not been influenced, provided, or reviewed by the credit card companies mentioned. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion directly. Terms apply. We may be compensated when you click on links from one or more of our advertising partners. Consider the type of coverage offered, the cost of the policy, and any additional benefits provided by the policy. $155 Walmart+ Credit: Cover the cost of a $12.95 monthly Walmart+ membership with a statement credit after you pay for Walmart+ each month with your Platinum Card. as your travel assistant. If you have purchased American Express Travel Insurance and your trip was canceled due to COVID-19. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). The Amex Platinum comes with access to a premium concierge service that can help you with everything from booking hard-to-get reservations to finding destination guides to help you plan out your next getaway. That means you'll need to file with your personal auto insurance company first. Then, AmEx will automatically reimburse up to $50,000 in damage or theft for most rentals up to 30 days in length. For example, this service can help you arrange emergency medical referrals. Terms apply. No, you do not need to be an American Express cardholder to purchase a travel insurance policy from American Express Travel Insurance. Youll normally be working with 2 (or more) entities to get your claim resolved. The Bottom Line: This plan is solid travel insurance protection from a reliable company. Sign up for our daily newsletter! The travel insurance coverages that come with your credit card can be sufficient to cover simple trips. When evaluating whether or not Amex Gold Travel Protector is worth it, the most important factors to consider are the types of coverage offered and the cost of the policy. Unlock new opportunities and expand your reach by joining our authors team. Final Thoughts In conclusion, the benefits of this card are pretty good, but not as good as they might first seem. According to American Express, a common carrier is an air, land, or water. Having a card with trip insurance can save you hundreds of dollars when unexpected hiccups happen in your travel plans. Trip delay reimbursement requires the following documentation: Trip cancellation/interruption insurance requires slightly different documentation. You or a covered family member become ill and you must cancel your trip. With so many different coverage options, its difficult to compare apples to apples. is best known for its dining, grocery and rideshare perks. For more information, see ourMedical & Legal Disclaimers. Keep in mind that a provider may ask for additional documentation related to the incident, so you may have to collect receipts and other forms to help your case. Bottom Line: American Express Travel Insurance offers 4 different levels of package policies, each comprising a collection of coverages most travelers look for. Finally, Amex Gold Travel Protector may provide additional savings in the form of discounts on certain activities or attractions. How to get rental car insurance through the. Get more smart money moves straight to your inbox. The annual airline fee statement credit can be complicated to take advantage of compared to the broader travel credits offered by competing premium cards. There are even more places your Platinum Card can get you complimentary entry and exclusive perks. I have purchased annual plans via Allianz and Travel Guard. AmEx Global Assist can help with everything from visa and vaccination information before your trip, to emergency cash wires if things go wrong during your trip. Read more. which covers damage to or theft of eligible car rentals. Your trip also isnt covered if you used a combination of miles and dollars unless the miles came from a Membership Rewards transfer. Additionally, its imperative that if youre worried about having medical coverage while traveling, youd want to purchase a travel insurance policy that provides medical coverage. The American Express Gold Card is best known for its dining, grocery and rideshare perks. As travel restrictions change, policies and best practices will likely change as well. that covers lost, damaged or stolen baggage. Do you have knowledge or insights to share? Join us while we check out the types of policies the company offers, any limitations of which to be aware, and additional options for protecting your next trip appropriately. Your email address will not be published. All Amex cards have access to Amexs Global Assist Hotline, but the Premium Global Assist Hotline and higher level of coverage are reserved exclusively for the Amexs premium cards: The information for the Amex Centurion and Amex Business Centurion cards has been collected independently by The Points Guy. This trip delay insurance kicks in when you pay for a trip with your American Express Gold Card or AmEx points. One way to easily compare pricing and coverages is to utilize a travel insurance comparison site to narrow down the appropriate options for your situation. The Amex Gold's current welcome bonus offer is 60,000 Membership Rewards points after spending $4,000 on purchases in the first 6 months. While this premium rewards credit card charges a $250 annual fee, several Amex Gold benefits make paying this fee well worth it. NerdWallet strives to keep its information accurate and up to date. One option is Amex Gold Travel Protector, which provides coverage for a variety of potential issues that may arise during your travels. Travel insurance can help you avoid losing the investment you made when booking your trip, reimburse you for covered expenses should your trip be disrupted due to a covered event, or pay for emergency medical services. Each of these travel protections has limits, exclusions and requirements. Sometimes it's worth a large investment to reap the benefits of a great credit card. Find the right card for you. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). Please view our advertising policy page for more information. You can add Premium Car Rental Protection to any American Express card. Click here to see a list of advertisers that we work with. The card details on this page have not been reviewed or provided by the card issuer. All permanent U.S. residents are eligible to purchase travel insurance with American Express. Learn more: How to file travel insurance claims. Norway, officially the Kingdom of Norway, is a Nordic country in Northern Europe, the mainland territory of which comprises the western and northernmost portion of the Scandinavian Peninsula.The remote Arctic island of Jan Mayen and the archipelago of Svalbard also form part of Norway. Amex currently offers 17 rewards cards, and 11 of them have an annual fee attached. Her previous experience involved building and writing business plans in the mergers and acquisitions sector in New York, as well as staffing in the insurance and financial technology software field. The Points Guy, Forbes Advisor, AwardWallet, LendingTree. American Express offers four types of travel insurance and protections to holders of the American Express Gold Card: Baggage insurance that covers lost, damaged or stolen baggage. Prices will vary considerably based on the types of coverages selected, age, and limits of each coverage. When not traveling, Megan adventures around her Midwest home base where she likes to attend theme parties, ride her bike and cook Asian food. You can use points earned with the AmEx Gold to offset flights booked through American Express Travel, AmEx's easy-to-use travel portal, but you'll only get one cent per point in value. Be sure to include the names of everyone in your party, flight confirmation number, flight numbers, travel dates and your contact information. When youre covered: To be eligible for coverage, you have to travel on a common carrier, which Amex defines as any air, land or water vehicle (other than a personal or rental vehicle) that is licensed to carry passengers for hire and available to the public. Some airlines and hotels even waive cancelation fees and/or change fees for certain fares, which can make last-minute adjustments in the case of emergencies. It is better for dining out and U.S. supermarkets. Any and all options, reviews, comments and analyses are the responsibility of the author(s) and not any Advertiser or credit card issuer. Ultimately, the best policy for you will depend on your individual needs and budget. Terms apply. Many or all of the products featured here are from our partners who compensate us. Cruise >> Specialized coverage for your unique travel concerns when setting sail. This is a key benefit of purchasing travel insurance through American Express Travel Insurance. Terms apply. You want a travel credit card that prioritizes whats important to you. Amex Gold Travel Protector offers a range of coverage options, including trip cancellation and interruption coverage, medical and dental coverage, baggage protection, and more. Megan has built and directed remote content teams and editorial strategies for websites like GoAbroad and Go Overseas. Trip insurance can cover prepaid non-reimbursable expenses. This site does not include all credit card companies or all available credit card offers. Car rental insurance which covers damage to or theft of eligible car rentals. Plus Ups are excluded. Our partners compensate us. After Amex receives notice of your claim, instructions will be sent on how to send the proof. You can check out the full list of cards and details on American Express's website. One of the main advantages of Amex Gold Travel Protector is the comprehensive coverage it offers. This benefit can quite literally be a lifesaver if you or an immediate family member run into any unexpected issues or accident on your trip. The Amex Gold Card comes with valuable perks for shopping, dining, and travel that can help you save money, including monthly credits that can put a big dent in the card's annual fee. Terms apply. Families: I'm not saying families should flat-out reject American Express Travel Insurance. The Delta SkyMiles Gold American Express Card was revamped in 2019 with a new list of perks and revised earning rates. Terms apply. When evaluating offers, please review the financial institutions Terms and Conditions. Crypto Wallet Development: Types, Features, and Popularity, 5 Ways AI is Detecting and Preventing Identity Fraud. Editorial disclaimer: Opinions expressed here are the authors alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities. This example shows the levels of coverage available and the associated premium costs. Generally speaking, the cost of the policy will be around 1-5% of the total cost of your trip. Could be worth it. 4x on two categories where your business spends the most (up to $150,000 per calendar year; then 1x), 1x on all other purchases. You can see the entire list of cards that offer secondary car rental protection on the American Express website. I wrote this lengthy article on what American Express Membership Rewards points are worth. and decline the rental company's collision damage waiver product. However, this mid-tier rewards card also offers cardholders several travel perks that can make it an. This bonus value is an estimated valuation. If some of the coverages in the package plan are not important to you, you can select only the coverage(s) you want and pay accordingly. Hilton Honors American Express Aspire Card: The Amex EveryDay Preferred Credit Card from American Express, Everything you need to know about Amex's baggage insurance plan. to book travel to get up to $1,250 in coverage for lost or stolen baggage and up to $300 in reimbursements during a covered delay of 12 hours or more. The card details on this page have not been reviewed or provided by the card issuer. Related: Everything you need to know about Amex's baggage insurance plan. TPG has a guide of the best American Express cards, but here are some of the best cards in terms of the return you could receive when renting a car. Selecting a company is not difficult as there are dozens of reputable, highly financially-rated, established companies, but comparing policies is essential for getting the best value for your money. Terms and conditions apply. The coverage on the $102 Assistance USA plan above compares more with the Amex Gold plan at $157. In addition, travelers must be permanent residents of one of the 50 states, Washington, D.C., Puerto Rico and the U.S. Virgin Islands. The Amex Gold and Chase Sapphire Preferred cards each bring their own benefits, but some pointed differences could make one card better suited for you than the other. So make sure your personal auto insurance covers your liability when renting cars. When deciding whether or not Amex Gold Travel Protector is worth it, it is important to compare it to other insurance options. 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