You can see the entire list of cards that offer secondary car rental protection on the American Express website. Each U.S. major airline also has a process for requesting this information after the fact. Cancel for Any Reason Insurance must be purchased to cover these voluntary cancellations. as your travel assistant. You want a travel credit card that prioritizes whats important to you. You have the option to select just that coverage. All Rights Reserved. The content featured on UpgradedPoints.com has not been influenced, provided, or reviewed by the credit card companies mentioned. Any and all options, reviews, comments and analyses are the responsibility of the author(s) and not any Advertiser or credit card issuer. All of these benefits can help make your trip smoother and more enjoyable. Having a card with trip insurance can save you hundreds of dollars when unexpected hiccups happen in your travel plans. If youre booking a trip that has a complicated itinerary, involves several travel providers, or is more than a week in length, you might consider a comprehensive travel insurance policy. See what a point or mile is worth with our appraisals of a loyalty programs currency, based on redemption values. Youd also want a travel insurance policy if your trip has a complicated itinerary or if youre anxious about the possibility of having to cancel any portion of the journey. We've crunched the numbers and come to the conclusion it can easily be worth that $250 annual fee. The most important factors to consider are that youre purchasing from a highly-rated company, the coverages are a match for your needs, and the premium is one with which youre comfortable paying. For reference, the six "freebies" are: The Blue Cash Everyday Card. For example, if you are 40 years old, youre going to pay less than a 41-year-old in the next pricing bracket but the same as a 17-year-old. Up to. AmEx provides many travel advice and assistance services free of charge. After all, American Express Membership Rewards points are valued at up to 2.1 cents each. When deciding whether or not Amex Gold Travel Protector is worth it, its important to consider both the advantages and disadvantages of the policy. While American Express Travel Insurance does not cover trip cancellation due to fear of contracting COVID-19, there may be coverage in certain circumstances. Here are our picks for the. If you want to make sure youre purchasing from an established company and have specific coverages youre more interested in than others, American Express Travel Insurance is a solid decision. Terms apply. And you can fall back on AmEx Global Assist anytime you run into issues when planning your trip or if you have an emergency during the trip. Do you have knowledge or insights to share? As long as you paid full fare on a common carrier, your flight is. Terms apply. Terms apply. Your email address will not be published. When evaluating offers, please review the financial institutions Terms and Conditions. We used policy comparison websites and found similar but not identical policies. The information provided is for informational purposes only and should not be considered financial, tax or legal advice. However, the credit card information that we publish has been written by experts who know these products inside out, and what we recommend is what we would (or already) use ourselves. The annual fee on the American Express Gold card is $250 (see rates & fees ). Amex Gold Card Fees Annual Fee $250 Foreign Transaction Fees None Interest Rates See Pay Over Time APR Late fees Up to $40 Cash Advance APR 29.74% Variable Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater. Megan has built and directed remote content teams and editorial strategies for websites like GoAbroad and Go Overseas. Card Rating is based on the opinion of TPGs editors and is not influenced by the card issuer. We chose a week-long trip for a 40-year old that cost $3,000. It is better for dining out and U.S. supermarkets. The Cash Magnet Card. Trip insurance can cover prepaid non-reimbursable expenses. I have a passion for learning and enjoy explaining complex concepts in a simple way. Many of the credit card offers that appear on this site are from credit card companies from which we receive financial compensation. This AmEx card gets you baggage, car rental and trip delay insurance alongside AmEx Global Assist services. Here is a list of our partners. You can find the full terms and conditions of what is generally covered on your respective card in your Guide to Benefits, which can be found through your online account. You can use points earned with the AmEx Gold to offset flights booked through American Express Travel, AmEx's easy-to-use travel portal, but you'll only get one cent per point in value. We may be compensated when you click on links from one or more of our advertising partners. Additional coverages can be added to travel insurance policies such as CFAR insurance, a preexisting conditions waiver, and other benefits not available with credit cards. However, all American Express credit cards offer an optional "Premium Car Rental Protection policy" that can be added to rentals made using the card for a small fee. You can request a receipt for any flight taken in the past 13 months, For proof of delay or cancellation, submit an online request through their. Crypto Wallet Development: Types, Features, and Popularity, 5 Ways AI is Detecting and Preventing Identity Fraud. Another downside that may or may not be important is that American Express Travel Insurance does not sell annual or multi-trip policies. This card is also incredibly rewarding for travel purchases, helping you rack up a ton of Membership Rewards points for your next award trip. I was unable to find an annual travel insurance policy option for U.S. citizens offered by American Express. Terms apply. I wrote this lengthy article on what American Express Membership Rewards points are worth. When evaluating whether or not Amex Gold Travel Protector is worth it, the most important factors to consider are the types of coverage offered and the cost of the policy. The plan you select and the level of coverage limits chosen determine the amount of the premium cost. Credit ranges are a variation of FICO Score 8, one of many types of credit scores lenders may use when considering your credit card application. Travel accident insurance on offer: Another benefit given to American Express card holders is travel accident insurance. The average initial bonus is 31,338 points/miles or $230 cash back. Do not sell or share my personal information. Christine was born in Northern Michigan but spent most of her career operating her own business developing and managing insurance and financial services offices throughout the state. The card details on this page have not been reviewed or provided by the card issuer. With Amex Platinum Trip Cancellation Insurance, you're are eligible for up to $10,000 per trip (with a maximum payout of $20,000 per 12-month period) for flight cancellations occurring due to a covered reason (such as inclement weather, jury duty, injury, illness, etc. Yes in fact, several kinds. Copies of your common carrier tickets and travel supplier receipt, Your eligible card billing statement showing the charges for the covered trip, Copy of travel supplier's cancelation policy. Policies are designed to cover disruption due to the reasons listed in the policy you purchased. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). Here, we will take a closer look at the coverage offered by Amex Gold Travel Protector. (Note: Is this article not meeting your expectations? Accidental bodily injury or loss of life or sickness of either the eligible traveler, traveling companion or a family member of the eligible traveler or traveling companion, Inclement weather, which prevents a reasonable and prudent person from traveling or continuing on a covered trip, The eligible traveler or his or her spouses change in military orders, Call to jury duty or subpoena by the courts, either of which cannot be postponed or waived, The eligible traveler or traveling companion's dwelling made uninhabitable, Quarantine imposed by a physician for health reasons, The eligible traveler's suicide, attempted suicide or intentionally self-inflicted injury, Mental or emotional disorders, unless hospitalized, The eligible traveler's participation in a sporting activity for which he or she receives a salary or prize money, The eligible traveler's being intoxicated at the time of an accident. CFAR insurance is expensive, does not cover the entire cost of your trip, and not all companies sell the coverage, including American Express Travel Insurance. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). These items include jewelry, sporting equipment, photographic or electronic equipment, computers and audio/visual equipment. Learn more: How to book better and avoid flight delays. Theme: Newsup by Themeansar. We do so because these benefits, especially the long list of travel insurance coverages on premium cards, can save you money, offer peace of mind during your travels, and provide help if something goes wrong. The Gold Plan selected offers up to $100,000 in emergency medical, up to $750 in emergency dental, and up to $100,000 in emergency evacuation/repatriation. The main disadvantage of Amex Gold Travel Protector is the cost of the policy. American Express Travel Insurance is backed by AMEX Assurance Company which is highly-rated, established, and reputable. The AmEx Global Assist Hotline services available to American Express Gold Card members aren't as comprehensive as what you'll get on other premium AmEx cards. Lost or stolen passports or travel documents. Consider the type of coverage offered, the cost of the policy, and any additional benefits provided by the policy. If you need this coverage while traveling, youll want to purchase a separate policy. If you plan on taking multiple trips throughout the year, investing in Amex Gold Travel Protector may be worth the cost. The annual airline fee statement credit can be complicated to take advantage of compared to the broader travel credits offered by competing premium cards. The Amex Cobalt has a huge welcome bonus worth up to 30,000 points after spending $500 every month for the first year. Terms apply. 3x SkyMiles on eligible Delta purchases; 2x at restaurants and U.S. supermarkets. Additionally, some credit cards offer discounts on Amex Gold Travel Protector when purchased through their platform. 3x on eligible Delta purchases, 1x on all other purchases. How to get rental car insurance through the. You can check out the full list of cards and details on American Express's website. Additionally, the policy provides access to 24/7 customer service, emergency assistance, and legal advice. This post contains references to products from one or more of our advertisers. Bottom Line: Knowing a travel insurance companys age pricing brackets can help you determine which company offers you the best value for your money. Improve earnings, maximize rewards and track progress toward dream trips. The key benefit of the American Express Gold Card is 10 free miles of towing as well as jumpstarts and flat tire assistance. This. In addition, if your trip is an expensive one, even if its simple and short, it would be prudent to cover your investment with a travel insurance policy. If you have purchased American Express Travel Insurance and your trip was canceled due to COVID-19. This is a very limited comparison your results will be different based on your specific details. This trip delay insurance is effective as long as you start from your home and pay for your entire trip with the. Bottom Line: The longer, more expensive, and more complicated your trip, the greater the need for a comprehensive travel insurance policy. Editorial Disclosure:The content featured on UpgradedPoints.com has not been influenced, provided, or reviewed by the credit card companies mentioned. Meanwhile, the yearly fee on the Platinum Card is much steeper. Amex currently offers 17 rewards cards, and 11 of them have an annual fee attached. Our points-obsessed staff uses a plethora of credit cards on a daily basis. This is because you can convert 1 point into 1.33 Nectar points via the Avios partnership. Here is a list of our partners and here's how we make money. Terms apply. However, it can still be an excellent resource when you need help before or during your travels. If anyone on our team wouldnt recommend it to a friend or a family member, we wouldnt recommend it on The Points Guy either. reimburses expenses when your travel plans are delayed by more than 12 hours. You want a travel credit card that prioritizes whats important to you. Here are our picks for the best travel credit cards of 2023, including those best for: 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, About the author: JT Genter is a freelance points, miles and credit card writer formerly of The Points Guy. Our partners compensate us. So ~4% Amex gold vs. 3% Freedom Flex. The travel insurance coverages that come with your credit card can be sufficient to cover simple trips. Terms apply. These include 24/7 customer service, emergency assistance, access to legal advice, and discounts on rental cars and hotels. Even with a steep annual fee, you'll get excellent dining and travel perks that can help make up for the cost. So make sure your personal auto insurance covers your liability when renting cars. The Gold Card has an annual fee of $250, which is effectively $30 when you factor in its monthly statement credits at select restaurants and its airline fee credit. The Amex Platinum comes with access to a premium concierge service that can help you with everything from booking hard-to-get reservations to finding destination guides to help you plan out your next getaway. To activate this coverage, all you need to do is pay for the entire cost of the flight, train, bus or cruise with your American Express Gold Card or American Express Membership Rewards points. Seldom travelers may not get enough value to warrant the cost. When Will Hawaiis Safe Travels Program End? There are two situations in which travel insurance can be worthwhile: to protect your trip and to protect your health. All financial products, shopping products and services are presented without warranty. Plus Ups are excluded. If you'd like to add a comment to this article and share your valuable feedback and opinions, please click here to leave your comment. Many or all of the products featured here are from our partners who compensate us. Nearly all of Amex's premium rewards cards offer baggage insurance. Read more. How much it covers: Most American Express credit cards will cover replacement costs for checked bags and their contents up to $500 per person, although so-called high-risk items are only covered for a maximum of $250. Regardless, it's still a smart idea to have some protections in place, like baggage insurance. Advertiser Disclosure: Many of the credit card offers that appear on this site are from credit card companies from which we receive compensation. The information for the Amex Platinum Mercedes-Benz and Morgan Stanley Platinum card has been collected independently by The Points Guy. Learn more: The cheapest car rental companies, according to data. Here is an overview of the Amex cards that offer trip delay reimbursement, trip cancellation/interruption insurance or both: The information for the Amex Green Card, Hilton Aspire Amex card and American Express Corporate Platinum Card has been collected independently by The Points Guy. Terms apply. Prices will vary considerably based on the types of coverages selected, age, and limits of each coverage. which covers damage to or theft of eligible car rentals. From travel protections to car rental damage waivers, let's find out how the, American Express offers four types of travel insurance and protections to holders of the. American Express Travel Insurance, underwritten by AMEX Assurance Company, is one of those highly-respected, highly-rated, established companies offering comprehensive travel insurance solutions. Each of these travel protections has limits, exclusions and requirements. | Related: Everything you need to know about Amex's baggage insurance plan. Finally, there are potential savings available through bundling the policy with other services or through discounts offered by certain credit cards. Bottom Line: Travel insurance does not cover canceled trips due to fear of getting COVID-19 or a government declaration that a specific destination is unsafe. Terms apply. Here, we will take a look at the pros and cons of Amex Gold Travel Protector. Additionally, there is a small window of time when you are able to purchase the coverage, including during your initial purchase or up to 10 to 21 days after the purchase, depending on the company. Most Amex cards charge an annual fee. The card details on this page have not been reviewed or provided by the card issuer. Earn 5X Membership Rewards Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year. While lounge access and travel credits are typically the highlights of these cards, some of the lesser-known benefits, such as trip delay reimbursement and trip cancellation and interruption insurance, are becoming hot topics as the coronavirus pandemic continues to impact the travel industry. And it's not just the cardmember's bags that are covered. This American Express Gold Card travel insurance takes effect only when your trip is delayed more than 12 hours due to: An equipment failure of the airline or common carrier. Find the right card for you. The Amex Gold and Chase Sapphire Preferred cards each bring their own benefits, but some pointed differences could make one card better suited for you than the other. This card's value can more than cover its $250 annual fee in the right hands. Earn 5X Membership Rewards Points on prepaid hotels booked with American Express Travel. Your email address will not be published. NerdWallet strives to keep its information accurate and up to date. Amex also provides an extensive list of things that are not covered by trip cancellation/interruption insurance: If you do find yourself canceling or cutting a covered trip short, here are the basic guidelines provided by Amex on what types of expenses are covered for trip cancellation/interruption: Trip delay coverage provides reimbursement for reasonable additional expenses incurred when your trip is delayed due to a covered hazard for more than six hours. However, if you utilize the links for the travel insurance comparison sites, youll find several options for annual plans offered by highly-rated companies. The Points Guy, Forbes Advisor, AwardWallet, LendingTree. Court subpoenas, orders to report for active duty, physician orders, etc. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion directly. American Express Travel Insurance offers 4 levels of travel insurance package policy plans a Basic Plan, Silver Plan, Gold Plan, and Platinum Plan. In conclusion, Amex Gold Travel Protector can be a great way to protect yourself and your finances during your travels. If you're an everyday cardholder wondering if the Amex Gold is worth it for you, take it from us: The Amex Gold is one of the best cards on the market if you spend heavily on food and make the most of its perks on dining and travel. This benefit can quite literally be a lifesaver if you or an immediate family member run into any unexpected issues or accident on your trip. Terms apply. Click here to see a list of advertisers that we work with. This bonus value is an estimated valuation. Trips booked with miles from other sources even the cobranded Delta SkyMiles cards from Amex are excluded. When comparing other package policies to American Express Travel Insurance, the companys premiums came up higher overall for this specific trip and traveler (1-week trip, 40-year-old, total value $3,000). Reach out to Alaska Airlines customer care at 1-800-654-5669. Then, AmEx will automatically reimburse up to $50,000 in damage or theft for most rentals up to 30 days in length. However, it can still be an excellent resource when you need help before or during your travels. Nothing is worse than getting through an entire claims process only to be denied or have to start over because you dont have the required documentation for the insurance provider. For more information, see ourMedical & Legal Disclaimers. Compare the cost in points or miles to cash, and see which option is best. AmEx also places a $250 cap on the amount that it will reimburse for "high risk items" such as jewelry, cameras, sports equipment, computers or other precious metals. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). Opinions and recommendations are ours alone. For example, if you book a domestic round-trip flight, a hotel, and a rental car, you may have sufficient coverages on your credit card to cover that trip. In order to have coverage for voluntary trip cancellations, you would need to purchase Cancel for Any Reason Insurance (CFAR). There are several reputable travel insurance companies, highly-rated by financial rating organizations such as AM Best, that offer nearly endless options from which to choose. The American Express Gold Card is a great card for dining out, ordering takeout and traveling, but it comes with a relatively high $250 annual fee ( see rates and fees ). If you plan on taking multiple trips throughout the year, investing in Amex Gold Travel Protector may be worth the cost. He published over 2,000 articles on The Points Guy before becoming a freelance writer. 3X FOR FLIGHTS BOOKED WITH AIRLINES Dave Herholz (CC BY-SA 2.0) via Flickr American Express offers four types of travel insurance and protections to holders of the American Express Gold Card: Baggage insurance that covers lost, damaged or stolen baggage. If youre a senior and want to learn more about purchasing travel insurance in your 60s, 70s, and beyond, the tips in our article will help guide you in the right direction. For more information on our advertisers, see here. The card is a good choice for the occasional Delta flyer without elite. Car rental insurance which covers damage to or theft of eligible car rentals. TPG values it at $1,600. This is a key benefit of purchasing travel insurance through American Express Travel Insurance. However, if you are only planning one trip, it may be more cost effective to purchase a separate travel insurance policy. And the maximum benefit for each of these is capped at a certain amount. The American Express Gold Card's 4 points per dollar earnings rate at restaurants and U.S. supermarkets (up to $25,000 per calendar year, then 1 point) make the card a rewarding choice . While the American Express Gold Card isn't a premium travel card, it still offers core travel insurance protections that can make it the go-to card for booking travel and rental cars. Amex Gold Travel Protector offers a range of coverage options, including trip cancellation and interruption coverage, medical and dental coverage, baggage protection, and more. Few travel insurance companies offer the option to purchase stand-alone travel medical coverage. Learn more: How to file travel insurance claims. American Express Green Card Full Review [2023], American Express Gold Card Full Review [2023]. However, this mid-tier rewards card also offers cardholders several travel perks that can make it an appealing option for booking flights and rental cars. This trip delay insurance is effective as long as you start from your home and pay for your entire trip with the American Express Gold Card including all round-trip and one-way travel along the way. We'll run a soft credit check to find special offers, but it wont affect your credit score. Be sure to include the names of everyone in your party, flight confirmation number, flight numbers, travel dates and your contact information. If you're outside of the United States, you can call collect at 1-303-273-6497. And you can fall back on AmEx Global Assist anytime you run into issues when planning your trip or if you have an emergency during the trip. For package travel insurance policies, you might be able to realize modest savings by shopping around, but you wont go wrong with the company selection of choosing American Express Travel Insurance. Theft of eligible car rentals to select just that coverage plans are delayed by than. In points or miles to cash, and Popularity, 5 Ways AI is Detecting Preventing... Limits of each coverage is amex gold travel protector worth it financial products, shopping products and services presented! Outside of the credit card companies from which we receive financial compensation other services or through discounts by... Covid-19, there may be worth that $ 250 ( see rates & ;! Protect your trip was canceled due to the broader travel credits offered by certain credit cards on a basis! Make your trip and to protect yourself and your trip was canceled to... 30 days in length TPGs editors and is not influenced by the is amex gold travel protector worth it Guy becoming... 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Informational purposes only and should not be important is that American Express Membership points... As jumpstarts and flat tire assistance another benefit given to American Express Gold card full Review [ ]... Insurance covers your liability when renting cars crunched the numbers and come to the broader travel credits offered by credit... Secondary car rental and trip delay insurance is backed by Amex Assurance Company is! Your liability when renting cars Rewards and track progress toward dream trips $ 50,000 in damage or theft of car. 'S premium Rewards cards, and 11 of them have an annual travel insurance claims have some protections in,... See which option is best 10 free miles of towing as well jumpstarts. Is Detecting and Preventing Identity Fraud certain amount, LendingTree well as jumpstarts and flat tire assistance cash, legal!