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The Guide to AmEx Platinum Travel Insurance

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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.

amex travel insurance paypal

» 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

On a similar note...

amex travel insurance paypal

4 times your credit card's travel insurance can help with summer travel woes, and 7 times it won't

Katie Genter

Update: Some offers mentioned below are no longer available. View the current offers here .

Travel is more unpredictable than ever this summer. I've been lucky that none of my summer trips so far have been incredibly affected by delays or cancellations. But, air travel is a total nightmare right now , and staffing is still an issue for many travel providers — so it's likely only a matter of time.

Other TPG staffers have recently experienced issues. For example, TPG's Sean Cudahy got caught in last week's travel mess , while TPG's Nick Ewen spent time in New Jersey instead of Greece due to weather-related delays.

If you've been reading TPG for a while, you may already know that some credit cards provide travel insurance when you use your card to book your flights (or pay the taxes and fees on award flights ). And you may even be using one of these cards to book your trips. But you may not know what is and isn't covered by these benefits when your travel doesn't go smoothly.

In this guide, I'll give a high-level overview of some scenarios where you can — and can't — expect your credit card's travel insurance benefits to assist.

Sign up for our daily newsletter for more TPG news delivered each morning to your inbox.

Credit card travel insurance

amex travel insurance paypal

We've written entire articles about credit cards that provide travel insurance . So, I recommend checking out the following stories to learn more about the travel insurance provided by top travel rewards cards :

  • What your credit card's trip protection covers — and what it doesn't
  • Flight delayed? Remember these 4 things if you want trip delay reimbursement from your credit card
  • Flight delayed or canceled? Here are the best credit cards with trip delay reimbursement
  • When to buy travel insurance versus when to rely on credit card protections

But, the protections provided by each card are different. So I recommend reading — or at least skimming — your card's guide to benefits before your next trip to familiarize yourself with those specifics. You can call the number on the back of your card for a physical copy or link if needed.

Cards like the Capital One Venture X Rewards Credit Card, Chase Sapphire Preferred Card, Ink Business Preferred Credit Card and The Platinum Card® from American Express provide excellent travel protections. But, I believe the Chase Sapphire Reserve provides the best travel insurance overall.

In this guide, I'll discuss how the benefits offered to Chase Sapphire Reserve cardholders (see the Chase Sapphire Reserve guide to benefits here) would help (or not) in several scenarios. If you generally pay for your travel with a different card, consider how the benefits on your card may differ.

Related: Travel is tricky right now — here are 7 mistakes to avoid on your next trip

4 times when your credit card's travel insurance can help

amex travel insurance paypal

If your travel doesn't go smoothly this summer, benefits from your travel rewards credit card may offer reimbursement or other help. Here are four real-life scenarios where your credit card's travel insurance may come in handy.

Your flight is significantly delayed or canceled

First, the bad news: You'll need to work with your airline to get rebooked if your flight is canceled. And if your flight is significantly delayed, you'll need to either wait out the delay or work with your airline to get rebooked on a different flight.

But, the good news is that some cards offer trip delay reimbursement when you use your card to pay for your flight (or the taxes and fees on an award ticket). And this benefit can help as you wait for your delayed or rebooked flight.

For example, if you used the Chase Sapphire Reserve to book your original flight, Chase may reimburse you for "reasonable expenses incurred during the delay." In particular, you can get up to $500 per ticket when you're delayed for more than six hours or your delay forces you into an overnight stay. Chase says reasonable expenses include "meals, lodging, toiletries and medication."

But, you'll only be covered if you are delayed due to "equipment failure, inclement weather, strike [or] hijacking/skyjacking." So, if you're delayed due to the crew timing out during inclement weather, you'll be covered. But if the airline simply can't find any crew to operate your flight and doesn't provide you documentation stating the delay or cancellation is due to one of the aforementioned eligible reasons, you won't be covered.

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

Your baggage is significantly delayed

amex travel insurance paypal

Once again, let's discuss the bad news first: You must report your delayed baggage to the travel supplier. For example, if your checked baggage doesn't appear on the belt after your flight, you'll need to go to the airline's baggage office and fill out a report.

Usually, the airline will start trying to locate your baggage at this point. But often, the airline won't offer to reimburse you for any essentials you might need while you're separated from your baggage.

Luckily, some credit cards cover baggage delays . For example, if you used the Chase Sapphire Reserve to book your flight, Chase may reimburse you "for the emergency purchase of essential items, such as toiletries, clothing, and chargers for electronic devices (limit one per device)."

In particular, Chase may reimburse you up to $100 per day for up to five days. To qualify for this coverage, your baggage must be "delayed or misdirected" for at least six hours.

The items you purchase and include for reimbursement should be "essential." But, Chase excludes some items from reimbursement, including hearing aids, artificial teeth, prosthetic devices, tickets, jewelry, electronics and recreational equipment.

Related: What to do when your luggage is delayed or lost by an airline

You must cancel or interrupt a trip

amex travel insurance paypal

First things first: No credit card offers " cancel for any reason " trip insurance as a complimentary benefit. But, if you must cancel or interrupt your trip for specific reasons, Chase Sapphire Reserve cardholders might be eligible for reimbursement of "nonrefundable prepaid travel expenses charged by a travel supplier" and "redeposit fees imposed by a rewards program administrator." And in the case of trip interruption, cardholders can be reimbursed change fees and costs to return a vehicle to their residence or the closest rental agency.

Many credit cards offer trip cancellation and interruption insurance . But, you'll only be eligible for reimbursement if you must cancel or interrupt your trip for specific reasons listed in the guide to benefits. For example, you may be eligible for reimbursement if you can't postpone or waive a call to jury duty or subpoena from the courts, and you prepaid for nonrefundable travel expenses with your Chase Sapphire Reserve.

Related: American Express adds new 'cancel for any reason' coverage option on flights

Your luggage is lost or damaged

amex travel insurance paypal

Earlier, I discussed a scenario where your baggage is delayed. But, it's also possible that your luggage becomes lost, stolen or damaged. As with delayed baggage, you'll need to file a claim with the travel provider once you discover the issue.

Some travel providers will provide reimbursement to repair or replace your luggage. But, if the reimbursement isn't enough, you can also seek additional reimbursement via the baggage insurance offered by your credit card. If you booked your travel with your Chase Sapphire Reserve, you could get up to $3,000 per traveler per trip.

Related: The airline couldn't find my luggage — luckily I had Apple AirTags

7 times your credit card's travel insurance won't help

amex travel insurance paypal

Of course, your credit card's travel insurance won't help you in every situation. Although you may still find relief through your travel provider or individual travel insurance , here are some real-world scenarios where you wouldn't be covered by the Chase Sapphire Reserve's travel protections :

  • You want to be on a different flight: Flight delays and cancellations are frustrating. But, you'll need to work with your airline to get on a different flight. None of the trip delay insurance offered by credit cards will let you buy a new flight and then reimburse it.
  • Staffing issues lead the airline to delay or cancel your flight: According to the Chase Sapphire Reserve's guide to benefits, only delays to your trip that are caused by "equipment failure, inclement weather, strike [or] hijacking/skyjacking" are eligible for trip delay reimbursement. So, if the airline can't find crew for your flight due to its employees being sick, for example, you won't be covered.
  • Your lodging canceled on you: It's frustrating to be walked from a hotel or have your lodging canceled on you. After all, you may face much higher prices if you need to book a new stay. But, except in specific cases covered by trip cancellation and interruption insurance — such as if your lodging at your trip's destination is "made uninhabitable" — your credit card benefits aren't going to help.
  • Your common carrier or travel insurance policy already provides what you need: As an example, if you are delayed overnight and the airline provides you with hotel and meal vouchers, you can't claim reimbursement for these same expenses through your credit card's trip delay benefit . The Chase Sapphire Reserve's guide to benefits states the trip delay benefit "applies to reasonable expenses incurred during your delay not otherwise covered by your common carrier, another party or your primary personal insurance policy."
  • Your delay caused you to miss things you already paid for: Trip delays may cause you to miss shows, activities, separately booked flights, hotel nights and more. But, the Chase Sapphire Reserve's trip delay benefit is only for reasonable expenses you incur during your delay. As such, any prepaid trip expenses won't be covered.
  • You have to cancel or interrupt your trip for a noncovered reason: As discussed above, the trip cancellation and interruption insurance offered by credit cards like the Chase Sapphire Reserve only covers you if you need to cancel or interrupt your trip for select reasons. So, if you need to cancel or interrupt your trip for other reasons, your credit card's travel insurance won't help. For example, you wouldn't be covered by the Chase Sapphire Reserve's insurance if you didn't obtain a necessary visa or your airline became financially insolvent.
  • You left an item or bag behind on the train, airplane or boat: Although some Amex cards include recently purchased items you lose under purchase protection insurance , most travel insurance offered by credit cards won't reimburse you for items you inadvertently left behind.

Travel insurance benefits vary from card to card, though. And, only select family members may be covered along with you for some benefits. So take a look at your card's guide to benefits or call the number on the back of your credit card to learn whether your specific scenario will be covered.

Related: 8 times your credit card's travel insurance might not cover you

Bottom line

Of course, this article assumes you used a credit card with travel insurance to pay for your trip, and the exact protections vary from card to card. But hopefully, this guide gave you an idea of the types of help you may get from your credit card's travel insurance if things go wrong with a trip this summer or beyond.

Finally, some premium travel cards offer an additional perk that may help if you face troubles this summer: lounge access . It can be much more relaxing to wait out a delay in the comfort of a lounge. Plus, you may gain access to agents that can help you rebook or handle complicated bookings if you have access to your airline's lounge.

For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply

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Paypal credit travel insurance.

Paypal Credit Travel Insurance

If you’re an avid traveler, you know how important it is to have travel insurance. It can protect you from unexpected situations like flight cancellations, lost baggage, and medical emergencies. PayPal Credit, a popular payment option, offers travel insurance as an additional benefit. In this article, we’ll explore PayPal Credit Travel Insurance and everything you need to know about it.

What is PayPal Credit Travel Insurance?

Paypal Credit Travel Insurance Concept

PayPal Credit Travel Insurance is a complimentary travel insurance program offered by PayPal Credit to eligible cardholders. It provides coverage for trip cancellation, trip interruption, travel delay, lost or stolen baggage, and emergency medical expenses during your trip. It’s important to note that this insurance only applies to trips purchased with your PayPal Credit account.

How to Qualify for PayPal Credit Travel Insurance?

Paypal Credit Travel Insurance Eligibility

In order to qualify for PayPal Credit Travel Insurance, you must meet the following requirements:

What Does PayPal Credit Travel Insurance Cover?

Paypal Credit Travel Insurance Coverage

PayPal Credit Travel Insurance covers the following:

  • Trip Cancellation: Reimbursement for non-refundable trip expenses if you need to cancel your trip due to covered reasons such as illness or injury.
  • Trip Interruption: Reimbursement for non-refundable trip expenses if your trip is interrupted due to covered reasons such as illness, injury, or natural disaster.
  • Travel Delay: Reimbursement for additional expenses such as meals and accommodations if your travel is delayed more than 12 hours due to covered reasons such as severe weather or mechanical breakdown.
  • Lost or Stolen Baggage: Reimbursement for lost or stolen baggage or personal items during your trip.
  • Emergency Medical Expenses: Coverage for emergency medical expenses incurred during your trip.

What Does PayPal Credit Travel Insurance Exclude?

Paypal Credit Travel Insurance Exclusion

PayPal Credit Travel Insurance excludes the following:

  • Pre-existing medical conditions
  • Travel to countries with travel warnings issued by the U.S. Department of State
  • Travel for the purpose of receiving medical treatment
  • Intentional self-injury or suicide
  • Participation in illegal activities or acts of terrorism

How to File a Claim with PayPal Credit Travel Insurance?

Paypal Credit Travel Insurance Claim

If you need to file a claim with PayPal Credit Travel Insurance, follow these steps:

  • Notify the travel providers (airline, hotel, etc.) immediately of any issues.
  • Contact the claims administrator within 20 days of the incident.
  • Provide any necessary documentation such as receipts, medical reports, or police reports.
  • Wait for the claim to be reviewed and processed.

Is PayPal Credit Travel Insurance Worth It?

Is Paypal Credit Travel Insurance Worth It?

Whether or not PayPal Credit Travel Insurance is worth it depends on your individual travel needs and preferences. If you frequently travel and use PayPal Credit as your payment option, this insurance could provide valuable protection against unexpected situations. However, if you rarely travel or prefer to use a different payment method, this insurance may not be necessary. It’s important to consider the cost of the insurance and the coverage provided before making a decision.

PayPal Credit Travel Insurance is a complimentary travel insurance program offered by PayPal Credit to eligible cardholders. It provides coverage for trip cancellation, trip interruption, travel delay, lost or stolen baggage, and emergency medical expenses during your trip. Before purchasing this insurance, make sure you meet the eligibility requirements, understand the coverage and exclusions, and consider the cost versus the benefits.

Frequently Asked Questions (FAQs)

Q: how do i know if i qualify for paypal credit travel insurance.

A: You must meet the eligibility requirements such as paying for your travel purchase with your PayPal Credit account and having a trip duration of 14 days or less. Check the full list of requirements above.

Q: Is PayPal Credit Travel Insurance available for all PayPal Credit cardholders?

A: Not all PayPal Credit cardholders are eligible for this insurance. Check your account to see if you have this benefit.

Q: How much does PayPal Credit Travel Insurance cost?

A: PayPal Credit Travel Insurance is a complimentary benefit for eligible cardholders. There is no additional cost to enroll.

Q: Does PayPal Credit Travel Insurance cover all types of travel?

A: No, there are certain exclusions such as travel to countries with travel warnings issued by the U.S. Department of State and travel for the purpose of receiving medical treatment. Check the full list of exclusions above.

Q: Can I cancel my PayPal Credit Travel Insurance?

A: Yes, you can cancel your insurance within a certain timeframe. Check the terms and conditions for more information.

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How to Find the Best Credit Card for Travel Insurance

By Royal Bank of Canada

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Published July 11, 2024 • 17 Min Read

Table of Contents

How does credit card travel insurance work.

When to use travel insurance?

How to make the most of your credit card travel insurance

What to consider when looking for the best Credit Card for Travel Insurance for You

Types of travel insurance included with credit cards

What are the advantages of credit card travel insurance, how to apply for a credit card with travel insurance.

Frequently asked questions about credit card travel insurance

Many credit cards offer the convenience of embedded travel insurance, meaning you can leave the task of buying additional insurance off your to-do list and potentially save money. However, between the different coverages and features, choosing the travel insurance credit card that’s right for you may be challenging.

To help you choose the card for you, here’s information on how travel insurance on credit cards works, how to make the most of your travel insurance, and the different types available to Canadians.

Most travel rewards cards offer travel insurance as a benefit. Unlike other forms of travel insurance, credit card travel insurance is included in the card’s annual fee, so you don’t have to purchase it separately before a trip.

Travel insurance on credit cards may cover anything from emergency medical treatment to trip cancellations, and some cards may include more types of travel coverage than others. Typically, to be eligible for coverage, purchases like flights, hotel stays, and car rentals must be paid for with your credit card in full.

In most cases, you won’t need to do anything else to activate the travel insurance on your credit card. However, read your credit card’s certificate of insurance. The certificate explains your insurance coverage in detail. It will help you understand the types of travel insurance included, when coverage begins and ends, the number of days you’re covered for, the maximum coverage amounts, and any limitations and exclusions.

The travel insurance included with your credit card is an easy and convenient way to help protect yourself when you travel. However, you might do a few things to help get the most out of your benefits.

Read the fine print

The most important thing to do — even before you book your trip — is to read your credit card’s certificate of insurance. You’ll get this certificate when you get your credit card. You can usually find a link to it on your credit card provider’s website.

Make sure you understand all the requirements, limitations, and exclusions of your credit card travel insurance so you don’t face any unpleasant or costly surprises later. If you still have questions, call the phone number on the card to speak with an agent.

Save all the receipts from your trip

It’s good practice to save the receipts for all the major purchases related to your trip, such as flights, hotels, tour packages, and car rentals. But remember, credit card travel coverage only applies to purchases made with your credit card. Also, if you experience a medical emergency during your trip, keep all the original bills, invoices, and receipts, as you will need them to make a claim.

Keep your insurance documents handy

You don’t want to be scrambling to find your travel insurance during an emergency. Keep a copy of your certificate of insurance and any other relevant documents in a handy location, such as the inner pocket of your carry-on luggage. You can also email a copy to yourself and save it as a file on your mobile phone.

Tip:  If you have an RBC credit card with travel insurance, you can find a PDF version of your card’s certificate of insurance on the  Credit Card Documentation page .

Save the contact information of the insurance provider

Before you leave for your trip, make sure you know how to contact your insurance provider. Your insurance provider will let you know what to do to ensure you are covered. You’ll find the insurance provider’s phone number on your certificate of insurance. You may also want to save the number to your phone.

Understand how to make a claim

It’s important you understand how to make a claim before you leave for your trip, as you don’t want to discover you’re missing essential documents if you need them. Your certificate of insurance will outline all the steps for making a claim for each type of coverage (emergency medical, delayed baggage, auto rental collision, etc.).

Register your travel plans with the government of Canada

Though not directly related to travel insurance, if you’re a Canadian citizen traveling abroad, you may want to  register your plans with the Canadian government . This free service allows the government to send you important notifications in case of an emergency at your destination.

Registering on the website can help make it easier for the government to contact you if you need help returning to Canada. It also allows the government to notify you of a personal emergency at home.

What to consider when looking for the best credit card for travel insurance for you

Before comparing  credit cards with travel insurance , here are a few basic things to look out for so you can quickly narrow down your list.

Types of travel insurance coverage

Most travel credit cards include multiple types of travel insurance, such as emergency medical insurance, trip cancellation insurance, baggage insurance and car rental insurance. You’ll find more details on that below.

The types of coverage included can vary between cards, and some credit cards may also offer additional coverage, like travel insurance for people aged 65+ or hotel burglary insurance. Make sure the credit card you choose has suitable coverage for the traveling you plan to do.

Coverage amounts

The amounts of coverage can vary between credit cards. For example, one card may offer $1,000 in trip cancellation coverage per trip, while another may offer $1,500. Try to find a card that offers good value in terms of insurance coverage amounts.

Coverage duration

The time you’re covered may also differ between credit cards, so if you compare similar offerings, you may want to go with the card offering a longer coverage period. For example, one card may offer emergency medical coverage for eight days of travel, while another may offer similar coverage for 15 days. In some cases, you may be able to purchase additional coverage to extend your coverage beyond the original term.

Age restrictions

Some travel insurance credit cards limit coverage based on age. Most commonly, coverage conditions will be different for seniors. For example, some credit cards may not offer medical travel insurance for people over 65 or may offer coverage for a shorter duration than for people younger than 65.

Covered persons

Some credit cards may cover only the cardholder, while others may also cover a spouse and/or dependent children under 21, within certain limits. Additional cardholders (people other than the primary cardholder who have been approved to use the credit card) are also covered by some cards, but their spouses and dependent children under 21 may not be covered. Some cards also cover traveling companions who are not spouses or children. If you regularly travel with others, you may want to see if they can benefit from your travel coverage.

Credit card requirements

Credit cards, including travel credit cards, have basic requirements, such as being the age of majority in your province or having a good credit score. Some credit cards have additional requirements, like a minimum personal or household income. Before you apply for a travel credit card, check to see if you meet its requirements.

Annual fees

Credit cards with travel insurance typically come with an annual fee. Those with a higher annual fee tend to offer more comprehensive coverage — additional types of travel insurance, higher coverage amounts, or extended coverage periods. However, a card with a lower annual fee may provide just the right coverage for your needs. Consider the extent of coverage you want when comparing cards.

When comparing credit cards with travel insurance, you’ll want to check which types of insurance they include. Below is a list of the most common types of travel insurance and what they cover.

Travel medical insurance

Travel medical insurance can help cover the costs for unexpected health issues you may have on your trip — especially those requiring emergency treatment. When you’re experiencing a stressful situation, the last thing you’ll want to worry about is the cost of your medical bills.

Typical expenses covered under medical insurance include :

Emergency medical care for an injury or a sudden illness (like a broken leg or appendicitis)

Medical evacuation (to Canada or to the nearest place that can provide appropriate medical care)

Medical equipment such as crutches, a wheelchair, braces, canes, walkers, etc.

Prescription medications (excluding medications for pre-existing medical conditions)

Diagnostic procedures such as X-rays, lab tests (like bloodwork), and scans (like ultrasounds)

Ground, air, or sea ambulance services

Hospital accommodation, including expenses related to your stay, such as meals

Outpatient services at a hospital

Private nurse services while at a hospital

Emergency dental care for pain relief or an accidental injury

Repatriation in case of death — including the preparation and transportation of the remains, cremation or burial outside Canada, and a round trip for the person legally required to identify your remains

Travel medical insurance for seniors

Medical insurance for seniors will cover similar expenses to those above, but most credit cards don’t provide medical insurance for people aged 65 and above. If they do, they may provide limited coverage. For example, coverage will be for a shorter period than for younger people or have a higher deductible. Some credit cards also have additional limitations for those aged 75 and above.

If you’re a senior citizen planning to travel, choose a travel credit card that provides medical insurance for seniors and look closely at the coverage details.

For example, some cards provide medical insurance for cardholders aged 65 and above , but only the first 3 to 7 consecutive days of the trip are covered. Review the certificate of insurance carefully before you leave for your trip. In some cases, you may want to purchase additional coverage to extend your coverage period.

Trip cancellation/interruption insurance

Sometimes, due to unforeseen circumstances, you may need to cancel your trip before you leave or return home earlier than you planned. For example, you may experience a sudden illness or a death in the family or be notified of a severe storm in your destination.

Trip cancellation insurance covers some of the expenses you’ve already paid for your trip, including non-refundable expenses like flight tickets or organized tours. This type of insurance is important as it allows more flexibility with your plans and could help you save hundreds or even thousands of dollars.

Flight delay insurance

This covers any expenses you may incur because your flight is delayed, such as extra nights at a hotel and meal expenses. For specific coverage details, review your certificate of insurance before your trip. Most credit cards require a minimum of four hours’ delay before providing coverage.

Delayed/lost baggage insurance

Suppose something happens to your baggage during the trip (a delay or damage on the way to your destination, for example). In that case, this insurance reimburses you for necessary purchases such as clothes and toiletries. Typically, this coverage only applies to checked baggage.

Common carrier travel accident insurance

This type of insurance provides coverage in case of an accident that results in a disability or loss of life while traveling on a common carrier. A common carrier usually refers to an air, land, or water vehicle that provides regularly scheduled passenger services. Reimbursement is typically a lump sum paid to the covered person. Make sure to review your certificate of insurance for details.

Auto rental collision/loss damage insurance

If you typically rent a car on your trips, you’ll want to ensure your credit card includes this type of insurance. It protects you if your rental car gets damaged or stolen during a trip and covers repair costs. However, remember that auto rental insurance only covers damage to the vehicle—it does not cover any bodily injuries resulting from an accident.

Also, this insurance has limitations. For example, you won’t be covered if the damage to the car was caused by a dangerous activity like driving under the influence or speeding. In addition, auto rental insurance may exclude damage to parts like mirrors and tires.

Another thing to keep in mind is that not all rental cars are covered by this insurance — only those with an MSRP (manufacturer’s suggested retail price) under a specific value determined by the insurer. If you’re concerned about this when renting a car, check that its MSRP isn’t above the one specified in your certificate of insurance.

Roadside assistance insurance

If you plan to travel by car during your trip, roadside assistance insurance covers the costs of services required if your vehicle experiences a mechanical failure or requires a battery jump-start, towing, or replacing a flat tire. Note that the travel insurance provided on most credit cards doesn’t include roadside assistance; however, you may be able to purchase it as an add-on service.

Hotel/motel burglary insurance

This insurance reimburses you for any personal items stolen from your room while staying at a hotel or motel. It’s meant to cover any expenses required to repair or replace damaged or lost items.

Mobile device insurance

Mobile device insurance is typically not included with travel insurance, but some cards may include it as part of their coverage. It may come in handy at any time, especially when traveling and relying on your phone to stay connected. It provides coverage in case your mobile device is lost, stolen, has a mechanical failure or is damaged by accident.

The main advantage of credit card travel insurance is that it can give you peace of mind. You know you’re covered if you experience a medical emergency, such as an injury, or an inconvenience like losing your baggage. In some cases, travel insurance may save you significant money, which you would have had to pay for medical bills or purchasing replacement items.

Credit card travel insurance also has some unique advantages over other types of insurance:

It comes at no extra cost

It doesn’t require additional work, such as researching insurance providers

Travel credit cards often come with perks such as travel points, premium airport benefits like lounge access, and welcome offers

As with any insurance, it’s important to understand the coverage provided. If you plan to use it for a trip, read the certificate of insurance thoroughly to understand what it covers.

How do I know if my credit card has travel insurance?

Check your cardholder benefits guide to determine if your credit card provides travel protection. You can also visit the card provider’s website or call their customer service number to find out. Most credit cards with travel insurance have the customer service number on the back of the card.

Do all credit cards have travel insurance?

Not all credit cards have travel insurance. Travel credit cards usually include some travel insurance. Coverage types and limits vary between travel cards, with higher-tier credit cards usually offering more comprehensive travel insurance.

Is credit card travel insurance enough?

It depends. Before you go on a trip, think about your coverage needs and see if you meet the requirements for the travel insurance provided with your card. In addition, some credit cards only offer certain types of travel insurance. For example, they may include flight delay insurance but not emergency medical insurance. Read your card’s certificate of insurance carefully to understand what you’re covered for.

Sometimes, your credit card travel insurance may be sufficient for your needs, for example, if you’re going on a short leisure trip. However, some travelers, like snowbirds who travel abroad for long periods or travelers who plan on doing extreme sports on their trip, may require more comprehensive travel insurance than what credit cards offer.

Tip : If you have an RBC credit card, you can check the type of coverage your card includes on the Card Coverage page . RBC clients also have the option to purchase additional coverage through RBC Travel Insurance , which provides various coverage options for different types of travel.

Does credit card travel insurance cover all passengers?

Only sometimes. You will need to check your certificate of insurance to see who is covered. In some cases, only the cardholder will be covered, while in other cases, their spouse, dependent children, and/or traveling companions who are not family will be covered, within limits. Authorized users of the card may also be covered.

Do I have to buy travel insurance before booking?

No, you don’t have to buy travel insurance before booking. If you’re buying additional coverage, you can buy it any time before you leave for your trip, but it’s advisable to buy it as soon as you make the booking because it could help if you need to cancel your travel plans.

If you plan on using your credit card’s travel insurance, you don’t need to buy it as it’s included in your card’s annual fee. You just need to read the policy thoroughly, make sure you’re eligible for coverage, and ensure that it meets your needs.

What travel purchases does my credit card travel insurance cover?

Generally, your credit card travel insurance will cover travel purchases made with your card in part or full. For example, if you need to make a flight cancellation claim, the flight must have been purchased with the card that has travel insurance. Read your certificate of insurance to confirm which travel purchases your card covers.

Does credit card travel insurance require that I charge all travel purchases to my credit card to get coverage?

Most of the insurance types included with your credit card require you to use your card to pay for travel-related purchases to be eligible for coverage. However, a few types, such as travel medical insurance and road assistance insurance, don’t have that requirement. To fully understand what the travel insurance on your credit covers, read your certificate of insurance thoroughly.

In Canada, you can apply for a credit card with travel insurance online, by phone, or by visiting a bank branch. As with any credit card, you must be the age of majority in your province or territory to apply and a resident of Canada. Most credit cards also require a good credit score and a minimum individual or household income.

RBC offers a wide variety of credit cards with travel insurance. All those cards come with additional features and benefits, such as travel rewards, savings opportunities, and optional add-on services. If you’re interested in applying for one of RBC’s travel credit cards, follow these steps:

Choose which card you want to apply for. You can view all RBC travel credit cards and compare the ones you’re interested in by checking the “Compare” box below each card, or you can use the credit card selector .

When you’ve decided on a card, click on the Apply Now button to start your application online.

You can also call 1-800-769-2512 to speak to an RBC Advisor or book an appointment .

Things our lawyers want you to know Things our lawyers want you to know

This article is intended as general information only and is not to be relied upon as constituting legal, financial or other professional advice. A professional advisor should be consulted regarding your specific situation. Information presented is believed to be factual and up-to-date but we do not guarantee its accuracy and it should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the authors as of the date of publication and are subject to change. No endorsement of any third parties or their advice, opinions, information, products or services is expressly given or implied by Royal Bank of Canada or any of its affiliates.

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Full List of Travel Insurance Benefits for the Amex Gold Card [2024]

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Full List of Travel Insurance Benefits for the Amex Gold Card [2024]

Table of Contents

Amex gold card — snapshot, amex gold card — travel insurance benefits, travel benefits, final thoughts.

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The American Express ® Gold Card is known for being a go-to card for everyday purchases at restaurants and at U.S. supermarkets. The card also doubles as a travel rewards card offering elevated earnings on select flight purchases and a nice selection of flexible travel redemption options.

The card is far less known for its travel insurance benefits. Today, we’re turning the spotlight on some of the useful travel insurance benefits that come with the card and talking about how these benefits can add value to the cardholder.

First, let’s look at the overall earning and redemption features of the Amex Gold card, then jump right into the list of travel insurance benefits you can expect to find on the card.

American Express® Gold Card

This is the best card for food lovers who dine out at restaurants (worldwide), order take-out and want big rewards at U.S. supermarkets!

Apply With Confidence

Know if you're approved with  no credit score impact.

If you're approved and accept this Card, your credit score may be impacted.

The American Express ® Gold Card  is a game-changer.

With this card, you can earn 4x Membership Rewards points at restaurants and you’ll also earn 4x Membership Rewards points at U.S. supermarkets on up to $25,000 per calendar year in purchases, then 1x.

There isn’t another card on the market that offers a 1-2 punch like this. Of course, there are several other benefits of the Gold Card as well, including extra monthly dining rewards and more.

  • 4x points per dollar at restaurants, plus takeout and delivery in the U.S.
  • 4x points per dollar at U.S. supermarkets, up to $25,000 per calendar year in purchases; and 1x thereafter
  • 3x points per dollar on flights purchased directly from airlines or at AmexTravel.com
  • $250 annual fee (see rates and fees )
  • No lounge access
  • Earn 60,000 Membership Rewards ® points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership.
  • Earn 4X Membership Rewards ® Points at Restaurants, plus takeout and delivery in the U.S., and earn 4X Membership Rewards ® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
  • Earn 3X Membership Rewards ® points on flights booked directly with airlines or on amextravel.com.
  • $120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.
  • $120 Dining Credit: Satisfy your cravings and earn up to $10 in statement credits monthly when you pay with the American Express ® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and select Shake Shack locations. Enrollment required.
  • Get a $100 experience credit with a minimum two-night stay when you book The Hotel Collection through American Express Travel. Experience credit varies by property.
  • Choose the color that suits your style. Gold or Rose Gold.
  • No Foreign Transaction Fees.
  • Annual Fee is $250.
  • Terms Apply.
  • APR: See Pay Over Time APR
  • Foreign Transaction Fees:  None

American Express Membership Rewards

Hot Tip:  Check to see if you’re eligible for a welcome bonus offer of up to 90,000 points with the Amex Gold card. The current public offer is 60,000 points. (This targeted offer was independently researched and may not be available to all applicants.)

Why We Like the Card Overall

We like that you can jumpstart your earnings with a generous welcome bonus after meeting minimum spending requirements in the first 6 months after card approval.

The Amex Gold card also strikes a nice balance between functioning as an everyday spending card and offering accelerated earnings on flights. It also offers flexible travel redemption options.

You’ll earn 4x Membership Rewards points at restaurants worldwide and at U.S. supermarkets (on up to $25,000 in purchases each year). Plus, you’ll receive 3x earnings on flights purchased directly with the airline and via AmexTravel.com .

With monthly statement credits for select purchases, it’s easy to find enough value to offset the annual fee.

When it’s time to use your rewards, you’ll have options such as redeeming points for flights via AmexTravel.com or transferring your points to the American Express transfer partners for even more potential value.

Woman loading bag in car trunk

While the Amex Gold card doesn’t come with a long list of comprehensive travel benefits, you’ll find these core travel insurance benefits useful for saving money and for access to assistance should something go wrong during your journey.

Car Rental Loss and Damage Insurance

Having car rental insurance can save you money and provide a level of peace of mind when renting a vehicle . The Amex Gold card comes with secondary car rental insurance that would require you to first file a claim with any other applicable insurance before card coverage kicks in.

Secondary coverage can still be valuable coverage, but there is another car rental coverage option included on the card that is a much better choice.

Premium Protection

The option to purchase Premium Protection car rental insurance on the Amex Gold card is a game changer.

You’ll pay one low price of $12.25 to $24.95 for the entire period, up to 42 total days, for primary theft and damage coverage. The actual rate will depend on your state of residence and the level of coverage chosen. Note that this is not a per-day rate like the car rental agencies charge.

Just enroll in the coverage via your online card account, then whenever you charge your rental car to your card, you’ll have the coverage automatically. You are not charged prior to renting a car.

There is no deductible. Accidental death/dismemberment coverage is included. Liability coverage, uninsured/under-insured motorist coverage, or disability coverage is not included.

Cardholders and authorized listed drivers are covered.

Applicable coverages for both secondary and Premium Protection include rental car damage, theft, and loss of use.

Coverage is not available when renting vehicles in Australia, Ireland, Israel, Italy, Jamaica, and New Zealand.

There are several additional exclusions, including the theft of an unlocked vehicle, illegal activity, intoxication of the driver, and war. Access the Guide to Benefits for a complete list of exclusions, terms, and conditions.

Filing a Claim

You can file a claim online or call 800-338-1670. You must file the claim within 30 days of the event and submit the required claim form within an additional 15 days. You’ll then have 60 days to submit the required documentation.

Bottom Line: The Amex Gold card comes with secondary car rental insurance with the option to purchase primary Premium Protection for one low rate that covers the entire rental period. 

Trip Delay Insurance

United flight delay

To be eligible for trip delay insurance, you must pay for your entire trip with your Amex Gold card, associated rewards, or a combination of the 2. Using airline vouchers, certificates, or discounts, such as those associated with your frequent flyer account, in combination with your card, are also acceptable. Eligible travelers include family members, travel companions, and a spouse or domestic partner.

Trip delay insurance reimburses an eligible traveler for incidental expenses incurred after a 12-hour or greater trip delay. Eligible expenses can include lodging, meals, toiletries, medication, and necessary personal items.

Eligible Losses and Coverage Limits

The following types of losses are eligible covered losses :

  • Inclement weather preventing a traveler from beginning a trip or continuing on a trip
  • Terrorism or hijacking
  • A common carrier’s equipment failure (documented)
  • Lost/stolen travel documents, such as passports

You could receive up to $300 per trip with a limit of 2 claims per card, per 12-month period. Coverage is secondary to any other applicable coverage including reimbursement by the airline.

Loss exclusions include prepaid expenses, losses that were known to the public or the traveler prior to the trip, and intentional acts by the covered traveler. Access the card’s  Guide to Benefits for more details on loss exclusions under trip delay coverage.

You’ll have 60 days from the date of the loss to file a claim. You can do so by calling 844-933-0648 or the number on the back of your card to be directed to the claims department.

You’ll then have 180 days to submit the required documentation, which can include a statement from the common carrier validating the delay, receipts, your card statement showing the trip charge, and other requested supporting information.

Bottom Line: The Amex Gold card comes with trip delay insurance that provides up to $300 per trip for eligible expenses incurred after a 12-hour or greater delay due to a covered loss. 

Baggage Insurance Plan

Airport baggage claim

To be eligible for baggage insurance, pay for your common carrier ticket entirely with your Amex Gold card and/or associated rewards. Trips paid for, in full or in part, with non-American Express rewards such as airline loyalty programs are not eligible.

You, your spouse or domestic partner, children under 23, and certain dependent handicapped children are covered for baggage insurance as long as the trip is paid for in full with your card and/or associated rewards.

Lost, damaged, or stolen baggage is covered, except in the event of war, government confiscation, or acts arising out of customer actions, for the following coverage limits.

High-risk items such as jewelry, gold, silver, platinum, electronics, furs, and sporting equipment, are limited to $250 per item maximum, per trip. 

Certain items are not covered under baggage insurance — here is a condensed list of those items:

  • Credit cards, cash, securities, or money equivalents (such as money orders or gift cards)
  • Travel documents, tickets, passports, or visas
  • Plants, animals, or food
  • Glasses, contact lenses, hearing aids, prosthetic devices, and prescription or non-prescription drugs
  • Property shipped prior to departure

You’ll have 30 days from the date of the loss to file a claim. To file a claim, you can go online or call 800-228-6855 within the U.S. To call from outside of the U.S., call 303-273-6498 collect.

You’ll then have 60 days to submit supporting documentation including a list of items lost, receipts, a statement showing the trip was purchased with the card or associated rewards, and common carrier reports.

Please note that we have abbreviated coverage descriptions and all terms and conditions are not spelled out in their entirety. You’ll want to access the benefits guide for full information.

Bottom Line: You and certain family members are covered for baggage insurance of up to $1,250 per person when traveling with a common carrier. You’ll need to pay for your entire trip with your card or rewards associated with your card for coverage to be valid. 

Travel Accident Insurance

Travel accident insurance that comes with the Amex Gold card pays a benefit in the unlikely event of accidental death or dismemberment of the primary card member, additional card member, spouse or domestic partner, or children under the age of 23.

The trip must be paid for with the Amex Gold card and/or associated Membership Rewards points (Pay With Points).

The coverage pays a benefit for death or severe injury suffered as a result of riding in, boarding, exiting from, or being struck by a common carrier.

The benefit paid is based on a table provided and can be up to $100,000.

While not travel insurance specifically, these additional benefits can provide assistance when planning a trip or if an unexpected event should disrupt your trip.

Emergency Travel Assistance

The Amex Global Assist Hotline provides important 24/7 assistance when traveling more than 100 miles from home. Receive help finding medical, legal, and translation referrals as well as assistance securing emergency transportation.

In addition, you could receive help securing a replacement passport or finding missing luggage.

You can reach the Global Assist Hotline at 800-333-2639. Outside the U.S., call 715-343-7977.

Actual services provided by third parties that incur costs are the responsibility of the cardholder.

Services are also not available in areas such as Cuba, Iran, Syria, North Korea, or the Crimea region.

No Foreign Transaction Fees

You’ll want to include the Amex Gold card during your next trip, as the card does not charge foreign transaction fees ( rates & fees ).

Additional Travel Benefits

Receive help planning your trip with Insider Fares via AmexTravel.com, upgrade your flights with points , American Express Travel Insurance , onsite benefits at The Hotel Collection , Amex Offers , and more.

While the Amex Gold card comes with several valuable travel insurance benefits, you would not select the card for this specific reason. The card shines when it comes to earning on select everyday purchases, for purchasing airline tickets, and its flexible travel redemption options. Those should be key reasons for selecting the card.

The fact that there are travel insurance benefits that come complimentary with the card is just one more reason to consider the card.

If having premium travel insurance benefits is a priority for you, you might consider the Chase Sapphire Preferred ® Card , The Platinum Card ® from American Express , the Chase Sapphire Reserve ® , or the Capital One Venture X Rewards Credit Card , all of which offer some of the best travel insurance benefits.

You can read about more credit cards with travel insurance  in our article on this specific topic.

For the car rental collision damage coverage benefit of the American Express Gold Card, 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. Visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car rental loss or damage coverage is offered through American Express Travel Related Services Company, Inc. For the trip delay insurance benefit of the American Express Gold Card, up to $300 per covered trip that is delayed for more than 12 hours; and 2 claims per eligible card per 12 consecutive month period. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company. For the baggage insurance plan benefit of the American Express Gold Card, baggage insurance plan coverage can be in effect for eligible persons for eligible lost, damaged, or stolen baggage during their travel on a common carrier (e.g. plane, train, ship, or bus) when the entire fare for a common carrier vehicle ticket for the trip (one-way or round-trip) is charged to an eligible account. Coverage can be provided for up to $1,250 for carry-on baggage and up to $500 for checked baggage, in excess of coverage provided by the common carrier (e.g. plane, train, ship, or bus). For New York State residents, there is a $10,000 aggregate maximum limit for all covered persons per covered trip. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. For the global assist hotline benefit of the American Express Gold Card, you can rely on the 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. Third-party service costs may be your responsibility. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for more details. Card members may be responsible for the costs charged by third-party service providers.

The information regarding the Capital One Venture X Rewards Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.

For rates and fees of the American Express ® Gold Card, click  here . For rates and fees of The Platinum Card ® from American Express, click here .

Frequently Asked Questions

Does the amex gold card have travel insurance benefits.

While the list of travel insurance benefits on the Amex Gold card is not extensive, you will find coverage such as secondary car rental insurance, the option to purchase Premium Protection car rental insurance, trip delay, baggage insurance, a Global Assist Hotline, and travel accident insurance.

Does the Amex Gold card have trip interruption or trip cancellation insurance?

No. The Amex Gold card does not offer trip interruption or trip cancellation insurance. The card does come with trip delay insurance.

Does the Amex Gold card charge foreign transaction fees?

No. You will not be charged foreign transaction fees when using the Amex Gold card for foreign purchases ( rates & fees) .

Does the Amex Gold card cover lost luggage?

Yes, the Amex Gold card can cover lost, stolen, or damaged luggage. The coverage is secondary to any coverage or reimbursement received by the airline or other applicable insurance.

Does the Amex Gold card have good car rental insurance?

The Amex Gold card comes with secondary car rental insurance, which means that you must first file a claim with any other applicable insurance before card coverage kicks in. You will have the option, however, to purchase Premium Protection for one low rate that covers the entire rental period, up to 42 days.

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About Christine Krzyszton

Christine ran her own business developing and managing insurance and financial services. This stoked a passion for points and miles and she now has over 2 dozen credit cards and creates in-depth, detailed content for UP.

Discover the exact steps we use to get into  1,400+ airport lounges worldwide, for free   (even if you’re flying economy!) .

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How Much Travel Insurance Costs (and When You Should Get It)

E very time you buy a plane ticket, cruise trip or other travel tickets, you end up getting asked the same thing: Do you want to add travel insurance for just a few extra dollars? In that moment, you’re probably excited about buying your tickets and making plans, not thinking ways you can pay more for insurance for—what exactly?

Travel insurance sounds like one of those types of insurance you don’t need , just like extended warranties are generally not worth it. But in some cases, shelling out for travel insurance is a smart move. Let’s take a look at your options and when travel insurance makes sense or doesn’t.

What does travel insurance cover and how much does it cost?

You can get travel insurance from a number of sources: the airline or cruise carrier directly, an independent travel insurance agency, and, sometimes, your credit card. Travel insurance typically costs between five and 10% of your trip cost , according to travel insurance comparison site SquareMouth .

The insurance coverage varies by your carrier as well as the individual policy you purchase. Overall, though, travel insurance is meant to protect you against unforeseen travel misfortunes, like an illness that forces you to cancel your trip.

There are four main types of coverage included in most travel insurance.

Trip cancelation and trip interruption insurance

This reimburses you for non-refundable travel costs if your trip is canceled or seriously delayed due to a natural disaster, illness, or if your carrier goes out of business . Independent and carrier-provided insurance policies offer protection up to the amount you purchased.

One aspect that can raise the cost of your travel insurance policy is “cancel for any reason” coverage. If you want this coverage, you must buy your policy within two or three weeks of making your trip deposit or buying your tickets. It gives you the right to cancel up to a few days before your departure date and get a refund of about 50% to 75% of your costs.

It may seem silly to get insurance for simply changing your mind. But some reasons you might need to cancel your trip wouldn’t be covered by regular cancelation insurance, like a job loss that dramatically reduces your income or the illness of a family member.

Our favorite sturdy suitcases to protect your belongings on your next trip:

  • Most durable carry-on: Pelican Air Luggage
  • Best value: Samsonite Winfield 2
  • Budget option: Samsonite Omni

Insurance for baggage and personal items

If someone steals something from your bag or your luggage is lost or delayed , travel insurance will pay you for the trouble of replacing your personal gear.

You usually get coverage of up to $500 per delayed bag and up to a few thousand dollars for a lost bag.

Travel accident insurance

Just as you wouldn’t want to go without medical insurance in everyday life, when you’re traveling abroad, it’s important to stay covered in case of accidents.

Coverage typically includes doctor visits, ambulance rides, hospital stays, and prescription medication. It may also cover the cost of evacuation to get you back home during a medical emergency. This category typically covers costs up to $100,000-$200,000.

Accidental death or dismemberment insurance

If someone in your party dies or suffers a life-altering accident, this insurance feature pays out up to about $500,000, depending on the situation.

Is travel insurance worth it?

As with other insurance policies, buying travel insurance (or not buying it) is a gamble. You don’t want to ever regret not buying the insurance, but you also don’t want to pay for something you don’t need. Looking at the list above, you might already be covered for some of these items elsewhere—perhaps you already have life insurance that covers death or dismemberment or health insurance that covers emergencies abroad.

Two rules of thumb: Travel insurance is worth it when you’re traveling abroad and your health insurance doesn’t cover emergencies outside of your country, or when a large portion of your trip is non-refundable.

For everything in between, consider how much a financial disaster it would be if something bad happened on your trip or you had to miss it. Here’s a three-step process to decide, in case you’re still not sure:

How to know if you should get travel insurance?

You probably don’t need travel insurance if you got one of those cheap last-minute flights. Travel insurance would cover lost bags and delays, but the policy price wouldn’t be worth it for most people. If you’re on an expensive trip, though, or there are more chances something will go wrong (you’re traveling to Chicago during the winter, for example, or to the Caribbean during hurricane season), you’ll probably want to insure it.

Your credit card likely offers travel insurance

If your credit card offers travel insurance—most rewards cards offer some coverage —read the fine print to see if it would take care of your insurance needs. Any travel plans you want coverage for must be booked on the credit card that offers travel insurance.

If you opt for your credit card’s travel benefits, carry the coverage details with you so you don’t have to scramble in the event of an emergency. And if you need to file a claim, do it ASAP —cards tend to have a claim window of about 30 days after an incident—and keep all receipts from any expenses incurred during the emergency.

Keep in mind that travel accident and emergency medical coverage is less likely to be covered by your credit card. If this is a concern, you’ll probably still want to explore a separate travel insurance policy.

How much will travel insurance costs for my trip?

Use comparison sites like InsureMyTrip and SquareMouth to compare independent agency policies available for your trip. While the insurance offered by airlines and cruise lines are often comparable (and often provided by the same third-party insurers), it’s hard to read the fine print of what your coverage will be when you’ve got tickets in your checkout cart. The independent insurers are usually a bit cheaper, too.

Finally, remember that you have to get insurance before your trip starts; it won’t protect you if you get the insurance after an accident happens or your trip is canceled. That would be like trying to get home insurance after your house has already burned down.

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Click here to read the full article.

Passengers waiting for their luggage at the airport

Costco to pay $2M in class action settlement over flushable wipes: Here's what to know

Those who bought the wipes in new york between july 1, 2011 and may 31, 2017 may be eligible for money..

amex travel insurance paypal

Customers who bought Costco's Kirkland Signature Moist Flushable Wipes between 2011 and 2017 may be eligible for money in a class action lawsuit settlement. The lawsuit claims Costco falsely advertised their wipes as flushable, leading to damaged pipes, septic systems and other plumbing issues amongst customers.

According to Top Class Actions , a legal news website, Costco admitted no wrongdoing. They will pay out $2 million to resolve the false advertising. The website said, "Consumers argue they would not have purchased the wipes  if they knew they were not truly flushable as advertised."

Those who bought the wipes in New York between July 1, 2011, and May 31, 2017, are eligible to be class members and have until August 9 to submit their claim. Class members are eligible to receive $1.30 per purchased product, with a maximum payment of $55.90 per household - the equivalent of 43 products.

Recall: Costco issues recall for some Tillamook cheese slices that could contain 'plastic pieces'

Am I eligible to file a claim in the Costco class action lawsuit?

According to the plaintiff, the wipes caused clogged plumbing and damaged sewage lines, pumps, and septic systems after being flushed. Although Costco says the wipes work as advertised, you may be eligible for cash in the lawsuit settlement.

Customers are only eligible in the class action lawsuit if they purchased the wipes in New York between 2011 and 2017. Those who purchased the wipes in any other state will have an invalid claim.

Consumers must visit this website to submit a valid claim. You do not need proof of purchase to receive the payment, according to Top Class Actions.

The minimum claim awarded to customers is $7.50 per household, with a maximum claim of $55.90.

Costco faces another class action lawsuit

Top Class Actions reported that Costco is facing another lawsuit related to baby wipes that has yet to be settled.

The plaintiffs in the lawsuit say Costco’s Kirkland Signature fragrance-free baby wipes have dangerous amounts of PFAS, yet they have been advertised as being safe for kids. The product is marketed as made with naturally derived ingredients despite allegedly containing PFAS," according to the legal news website.

Everyone obsesses over credit card points, but in 10 months of travel I uncovered 6 other money-saving benefits

Affiliate links for the products on this page are from partners that compensate us and terms apply to offers listed (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate products and services to help you make smart decisions with your money.

  • I traveled Latin America and Antarctica for nearly a year, and I was glad to have my credit cards with me.
  • Benefits like hotel status, travel insurance, and airport lounge access made my trip cheaper and easier.
  • No credit card benefits (or points) are worth it if you can't pay your balance in full.

Although a lot of the media around credit card benefits focuses primarily on using points, there are many other perks that aren't as well-known and can save users thousands of dollars. From loyalty perks to insurance coverage to rental car benefits, there are so many additional reasons to use credit cards — if you do so responsibly. 

I recently returned from traveling around Latin America and Antarctica for 10 months and was more grateful than ever to have my credit card perks and protections with me.

Please note that I don't recommend using credit cards this way if you don't pay off the full balance each month.

Below are some of my favorite, lesser-known perks.

1. Hotel status

Several of my cards — including the Marriott Bonvoy Business® American Express® Card and IHG One Rewards Premier Credit Card — both come with automatic loyalty status. The status isn't the highest tier for either chain, but it still comes with a multitude of benefits.

Both my gold-level Marriott and platinum-level IHG statuses have led to a series of free treats from brownies to fruit baskets. At a Marriott property in India, the company offered lunch to myself and my three companions when our room wasn't ready upon arrival, and an IHG property in the same country offered me a free foot massage. 

Read our Marriott Bonvoy Business credit card review and our IHG One Rewards Premier credit card review .

2. Insurance 

Many credit cards offer insurance policies. One of the most common is an increase in the purchase protection warranty on items you buy with your card. For instance, Chase purchase protection applies to many of the best Chase credit cards .

There are also several travel-related insurance options. A number of cards will offer money if your bag is delayed or damaged — when it isn't reimbursed by the airline — as well as pay for essentials that you may need to buy while you wait for the bag to arrive. Though I've never had to deal with this myself, I know a number of people who have lost bags and were unaware that this coverage existed. 

Finally, many of the best credit cards with travel insurance also come with accident and emergency insurance, which can protect you should something happen during your travels. Just like travel insurance covers evacuation insurance, your card will, too — which can help in a sudden medical emergency. 

3. Rental car damage waiver 

Another popular coverage is the rental car damage waiver you'll find on many of the best travel credit cards , which allows you to decline the (often costly) waivers that the rental car companies offer themselves. This is one of the most common benefits and it is included with nearly every card.

All you have to do is pay for the rental car with your card, decline their damage waiver, and submit paperwork to your bank after the incident happens. (Note that you do often have to pay the rental car company first and the bank reimburses you.)

4. Lounge access

Credit cards offer a variety of lounge access options. American Express has Amex Centurion Lounges , Chase has the new Chase Sapphire Lounges , and Capital One has its own lounge chain. In addition, there are specific airline lounges and networks like Priority Pass and Plaza Premium.

You'll typically find credit cards with airport lounge access to be mid and higher-tier cards, usually with an annual fee of $150 or more. This is one of my favorite perks because it allows me to get food without having to worry about the extreme airport prices. Some lounges also offer services like beauty services, massages, and places to work. 

5. Discounts

Most major companies offer discounts through credit card linked offers , and they're often on items you're already using or buying. Over the past few months, I've received Paramount+ for free, $30 off of a Turo, and $10 off at a restaurant I was already planning on going to — and more. These often have to be activated on your banking website or app first, or you're required to shop through the bank's online shopping portal .

6. Global Entry/TSA Precheck credit

The best credit cards with Global Entry and TSA Precheck allow you to pay for the service using your card and then credit you for the full cost. TSA Precheck allows users to go through security screening without taking off their shoes and or taking certain items out of their bags, as well as to use a separate line. Global Entry allows for an expedited customs process when returning to the U.S.

While using credit cards to accumulate points and miles can be a great way to help you travel for less, there are other benefits that could end up saving you even more.

amex travel insurance paypal

Watch: Why flying is so terrible even though airlines spend billions

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  • Main content

IMAGES

  1. American Express Cards: Travel Insurance Benefits Guide [2020]

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  2. American Express Travel Insurance

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  3. Use American Express Points

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  4. American Express Travel Insurance Review (Coverage, Policies) [2020]

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  5. How American Express Travel Insurance Works

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  6. American Express Travel Insurance Review (Coverage, Policies) [2020]

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VIDEO

  1. 🌟 Special benefit for Amex Platinum Cardholders #creditcard #travel

  2. Relaunched American Express Platinum Reserve Card Review- India Benefits,Eligibility, Lounge Access

  3. Get Paid to Travel: The Ultimate Credit Card Hack with the Amex Platinum Business Card

  4. College Dropouts Who Raised $15 Million to Reinvent Credit Cards! 😱

  5. Travel Insurance Plan details explain

  6. Scotiabank Gold American Express Card Hidden Charges and offers

COMMENTS

  1. Travel Insurance

    American Express Travel Insurance is offered through American Express Travel Related Services Company. Inc., California license number 0649234. Enrollment is limited to permanent residents of the 50 United States or D.C. American Express Travel Related Services Company, Inc., which is the licensed insurance agency offering you this coverage ...

  2. 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.

  3. The Guide to American Express Travel Insurance

    Covered amount. 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. Coverage is ...

  4. Amex Travel Benefits and Resources

    Pay It ® is only available in the American Express® App for your eligible Account. With the Pay It feature, you can make a payment equal to the amount of a billed purchase less than $100. ... American Express Travel Insurance is offered through American Express Travel Related Services Company, Inc., California license number 0649234. Trip ...

  5. American Express Cards: Travel Insurance Benefits Guide [2024]

    Premium Global Assist. Delta SkyMiles ® Reserve American Express Card. $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. Up to $2,000 per person for checked bags and $3,000 per person for carry-ons, up to $3,000 per person. Premium Global Assist.

  6. Your complete guide to travel protection on American Express cards

    Level 1: Higher-end cards. Some of American Express' top products offer baggage insurance coverage of up to $2,000 for checked baggage and up to a combined maximum of $3,000 for checked and carry-on baggage. This coverage is in excess of coverage provided by the common carrier.

  7. 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.

  8. Trip Cancellation and Interruption Insurance ¹

    Trip Cancellation and Interruption Insurance is effective for round-trip purchases made entirely with your eligible Card and protects against Covered Losses (e.g. Sickness or Injury of the traveler or traveling companion). If your Card is not listed on this page or if you are an Additional Card Member, please call the number on the back of your ...

  9. 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 ...

  10. Amex Platinum Travel Insurance

    Car rental loss and damage insurance. When you rent a car, you can use your Amex Platinum Card travel insurance to cover damage or loss. You'll have to pay for the rental with your card and ...

  11. Credit Card Travel Insurance

    Your American Express ® Card may include complimentary domestic and international Travel Insurance, as well as retail insurances like Card Refund and Purchase Cover, and/or Smartphone Screen Cover.. Terms, conditions and exclusions apply (such as maximum age limits, pre-existing medical conditions and cover limits). Use the dropdown menu below for more information.

  12. American Express Travel Insurance Benefits

    For example, The Platinum Card® from American Express has a coverage limit of $10,000 per trip and $20,000 per 12-month period. That means you could receive up to $20,000 for canceled trips and ...

  13. American Express Travel Insurance Review

    American Express Travel Insurance offers 4 levels of travel insurance package policy plans — a Basic Plan, Silver Plan, Gold Plan, and Platinum Plan. Each has its own levels of coverage and associated premium cost. Let's take a look at the package policy offerings and pricing. We chose a week-long trip for a 40-year old that cost $3,000.

  14. 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 ...

  15. 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 ...

  16. Credit card travel insurance: When it will and won't help

    Related: 8 times your credit card's travel insurance might not cover you. Bottom line. Of course, this article assumes you used a credit card with travel insurance to pay for your trip, and the exact protections vary from card to card. But hopefully, this guide gave you an idea of the types of help you may get from your credit card's travel ...

  17. 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 offers ...

  18. American Express Travel Insurance: Compare Coverage On Cards

    The insurance is limited to a maximum of 30 days per rental agreement, with a coverage limit of $50,000 to $75,000 depending on your card. Coverage is considered secondary, so benefits will be ...

  19. URGENT is ANZ Platinum Amex paid via PayPal still OK for travel insurance?

    OP reporting back. I got through to QBE Travel Insurance just minutes before they closed down for Christmas. They advised that payment via PayPal was fine, but I should keep with me while travelling the PayPal receiptas well as the ANZ card statement on which the charge occurs. ... whereas PayPal credit card transactions can cost large ...

  20. paypal credit travel insurance

    PayPal Credit Travel Insurance is a complimentary travel insurance program offered by PayPal Credit to eligible cardholders. It provides coverage for trip cancellation, trip interruption, travel delay, lost or stolen baggage, and emergency medical expenses during your trip. Before purchasing this insurance, make sure you meet the eligibility ...

  21. Amex insurance through PayPal : r/amex

    For accident protection that comes with the Platinum card, like a broken screen for example, that has nothing to do with your Samsung purchase. For that to be effective you need to be paying your monthly bill with the Amex card. And there are some exclusions to that, you would need to read the terms. 2. Reply.

  22. How to Find the Best Credit Card for Travel Insurance

    Credit card travel insurance also has some unique advantages over other types of insurance: It comes at no extra cost. ... Most of the insurance types included with your credit card require you to use your card to pay for travel-related purchases to be eligible for coverage. However, a few types, such as travel medical insurance and road ...

  23. Full List of Travel Insurance Benefits for the Amex Gold Card

    The option to purchase Premium Protection car rental insurance on the Amex Gold card is a game changer. You'll pay one low price of $12.25 to $24.95 for the entire period, up to 42 total days, for primary theft and damage coverage. The actual rate will depend on your state of residence and the level of coverage chosen.

  24. Travel Insurance

    Key exclusions and limitations * Claims arising directly or indirectly from any pre-existing medical conditions other than those on the accepted conditions list which is available by visiting our Insurance Benefit Centre * Medical assistance and expenses benefits if aged 70 years or over at any time during the trip 1 * Medical treatment in the country of residence

  25. Should You Get Travel Insurance If You Have Credit Card ...

    Finally, most credit card travel insurance benefits require you to pay for some or all of your travel expenses with the card in question, so you'll be best off choosing a card that offers both ...

  26. How Much Travel Insurance Costs (and When You Should Get It)

    You can get travel insurance from a number of sources: the airline or cruise carrier directly, an independent travel insurance agency, and, sometimes, your credit card. Travel insurance typically ...

  27. Costco to pay $2M in class action settlement over flushable wipes: Here

    Costco must pay $2 million in a settlement over a class action lawsuit that claims its flushable wipes were falsely advertised. How to talk money 🤑 America's Top Retailers Average net worth ...

  28. My Favorite Credit Card Perks As a Frequent Traveler

    Everyone obsesses over credit card points, but in 10 months of travel I uncovered 6 other money-saving benefits Written by Taryn Williams ; edited by Libby Kane 2024-07-08T20:45:02Z

  29. American Express Delta SkyMiles® Platinum Benefits Guide

    Receive a Companion Certificate on Main Cabin domestic, Caribbean, or Central American roundtrip flights each year after renewal of your Card. *The Companion Ticket requires payment of government-imposed taxes and fees of no more than $80 for roundtrip domestic flights and no more than $250 for roundtrip international flights (both for itineraries with up to four flight segments).

  30. Should you ever pay £650 for a credit card?

    American Express has bolstered the perks available with its Platinum Card, with a £400 travel credit bonus and 40,000 Amex points for new members. These are on top of the air lounge access, travel insurance, £300 annual dining credit and £100 annual credit at Harvey Nichols that existing customers already receive.