American Express offers several types of travel insurance coverage to help protect you and your trip investment. Baggage insurance covers the cost to replace or repair lost, stolen, or damaged baggage and personal effects. Trip cancellation and interruption insurance reimburses you for non-refundable trip expenses if you have to cancel or interrupt your trip for a covered reason. Medical expense coverage provides reimbursement for covered medical expenses, emergency medical evacuation, and repatriation of remains if you become sick or injured while on your trip.
The American Express travel insurance policy covers a variety of unexpected events that could occur while you are on your trip. These events include trip cancellations, lost or stolen luggage, medical emergencies, and more.
Is travel insurance included with AmEx?
Worldwide Travel Insurance is a great way to ensure that you and your family are protected while travelling. It provides cover for you and your partner, as well as your dependent children under the age of 25, whether you are all travelling together or travelling alone. It also gives you peace of mind knowing that you are covered for up to 90 days, making it ideal for both business and leisure trips.
A comprehensive insurance policy is one that covers a wide range of potential problems that could occur while travelling. This might include delays, cancellations, lost luggage, and medical emergencies. It is always a good idea to have a comprehensive policy in place in case something goes wrong while you are away from home.
Is Covid covered by AmEx travel insurance
However, if your trip is cancelled or interrupted due to a covered reason under the certificate of insurance/policy, such as inclement weather, you may be eligible for reimbursement of non-refundable trip costs, including airfare.
American Express offers a variety of insurance products underwritten by Inter Partner Assistance, including medical assistance and expenses, cancelling and postponing your trip, cutting short your trip, personal belongings, money and travel documents, and legal assistance and compensation.
How do I claim my American Express travel insurance?
If you have AmEx travel insurance and need to file a claim, here’s what you need to do:
For trip cancellation, interruption, or delay insurance: call 844-933-0648 within 60 days.
For baggage insurance: call 800-228-6855 or file a claim online within 30 days.
For rental car insurance: call 800-338-1670 or file a claim online within 30 days.
If you find yourself in the unfortunate situation of having your luggage damaged, lost, or stolen while you’re traveling, AMEX® Travel Insurance† can help. You may be eligible for reimbursement for the damage or replacement of your belongings, up to the policy limit. So be sure to check your policy details to see what coverage you have and what you need to do to file a claim.
What is not covered by travel insurance?
If you’re considering cancelling or interrupting your trip due to recent events, it’s important to check your travel insurance policy. Most policies do not cover trip cancellations or interruptions due to known, foreseeable, or expected events, epidemics, or fear of travel. If you have travel insurance, be sure to read your policy carefully to see what is and is not covered.
It’s important to be aware of what your travel insurance policy covers and doesn’t cover before you buy it. Most comprehensive travel insurance policies exclude pre-existing physical and mental health conditions. Some insurers will cover you if you pay extra. Commonly excluded are bone and joint conditions. Be sure to read the fine print of your policy so you know what you’re covered for.
Does travel insurance cover 100%
If you have to cancel your trip due to COVID-19 cases or quarantine recommendations, most policies will reimburse you 50% to 75% of your trip costs. This coverage can come in handy if you’re not feeling comfortable traveling due to the pandemic.
Yes, you’re covered for emergency medical treatment and associated expenses if you become ill with COVID-19, subject to policy terms and conditions. This includes cover for hospitalisation, emergency evacuation and repatriation.
If you have any questions or concerns about your insurance policy and how it might be affected by the outbreak of coronavirus, be sure to contact your insurer directly. Many companies are still working out the details of what, if any, coverage they will provide for this event, but it’s always best to be as informed as possible about your policy. And, if you decide you no longer want your policy for any reason, most insurers have a free-look provision that allows you to cancel within a certain number of days (usually 10-30) for a full refund.
If you have trip cancellation insurance from AmEx and your trip is cancelled for an eligible reason, you will be reimbursed for your prepaid, nonrefundable costs up to a maximum of $10,000 per trip and $20,000 per 12-month period. This coverage can give you peace of mind knowing that you will not be out of pocket for your trip if it is cancelled.
How much money does American Express insurance
If you have a premium American Express card, you may be covered for lost items. This coverage may be up to $10,000 per incident and $50,000 per year. The Platinum Card®, Gold Card, Delta SkyMiles® Reserve Card, Hilton Aspire Card, and Marriott Bonvoy Brilliant™ Card are just a few examples.
The American Express® Gold Card offers trip delay insurance protections. This trip delay insurance kicks in when you pay for a trip with your American Express® Gold Card or AmEx points. Terms apply.
Does AmEx Platinum cover stolen items while traveling?
If your baggage is lost, stolen, or damaged while you’re travelling, you may be covered by lost, damaged, and stolen baggage insurance. This insurance is typically included with the Amex Platinum card, and it can provide you with up to $2,000 per person per trip for loss of checked baggage, and up to $3,000 per person per trip for loss of carry-on baggage.
If you need to file a claim for a lost or damaged item, you can do so by visiting americanexpress.com/onlineclaim, calling 1-800-228-6855 in the US, or calling 1-303-273-6498 if abroad. You’ll need to complete “proof of loss” paperwork within 60 days. This paperwork can include a claim form, a charge receipt, and a written report of loss for checked bags.
Final Words
Travel insurance from American Express can help cover unexpected costs and inconveniences when you travel. Coverage includes trip cancellations and delays, lost or stolen baggage, medical emergencies, and more.
If you’re looking for comprehensive travel insurance that covers a range of different eventualities, American Express travel insurance is a great option to consider. In addition to covering things like lost or stolen baggage and cancelled flights, it also provides cover for medical expenses, making it a very complete option for those looking for peace of mind when travelling.
