Learn more: The best travel credit cards may surprise you. 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. Cruise >> Specialized coverage for your unique travel concerns when setting sail. But is Amex Gold Travel Protector worth it? For years, the Amex Gold Card has been one of the strongest travel cards on the market thanks to a reasonable annual fee and some unbeatable bonuses on groceries and dining that make it a go-to card to earn more points for everyday expenses. Here are a few situations where travel insurance could cover your loss: Whether you should purchase travel insurance or not is a personal decision. But this guide will walk you through which Amex credit cards have these benefits, what's currently covered and how you can file a successful claim. Terms apply. If anyone on our team wouldnt recommend it to a friend or a family member, we wouldnt recommend it on The Points Guy either. Yes, overall. travel insurance takes effect only when your trip is delayed more than 12 hours due to: Note that you must be on a trip starting from your city of residence to be covered. Realistically, Membership Rewards points are worth at least 0.66p. Here are some of the most popular, easy-to-use comparison sites that only feature highly financially-rated travel insurance companies. A few years ago, a TPG staffer found out the hard way that Amexs policy didnt cover frequent flyer mile awards. Find the right card for you. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). to book travel to get up to $1,250 in coverage for lost or stolen baggage and up to $300 in reimbursements during a covered delay of 12 hours or more. New trip cancellation and interruption insurance from American Express credit cards will provide you with up to $10,000 in coverage (and up to $20,000 per account per year) you can use for . Like most travel insurance companies, American Express Travel Insurance prices its products within age brackets. This influences which products we write about and where and how the product appears on a page. Terms apply. This information may be different than what you see when you visit a financial institution, service provider or specific products site. Amex Gold Travel Protector covers a variety of potential issues that may arise during your travels, including trip cancellation and interruption coverage, medical and dental coverage, and baggage protection. document.getElementById( "ak_js_1" ).setAttribute( "value", ( new Date() ).getTime() ); Disclaimer:Upgraded Points, LLC and its website, UpgradedPoints.com, provides information on credit cards, reward programs, travel information and ancillary information concerning travel and credit cards. Intoxication is defined by the laws of the jurisdiction where such accident occurs, The eligible traveler being under the influence of any narcotic or other controlled substance at the time of an accident, unless the narcotic or other controlled substance is taken and used as prescribed by a Physician, The eligible traveler's commission or attempted commission of any illegal or criminal act, including but not limited to any felony, The eligible traveler parachuting from an aircraft, The eligible traveler engaging or participating in a motorized vehicular race or speed contest, Dental treatment except as a result of accidental bodily injury to sound, natural teeth, Any non-emergency treatment or surgery, routine physical examinations, Hearing aids, eyeglasses or contact lenses, One-way travel that does not have a return destination. Best card for premium perks while traveling, Capital One Venture X Rewards Credit Card, The Business Platinum Card from American Express, Quick Points: Use Virgin Atlantic's new calendar search feature to find Delta partner award space. Let's dig into the details. Enrollment required. American Express Travel Insurance offers 4 levels of travel insurance package policy plans a Basic Plan, Silver Plan, Gold Plan, and Platinum Plan. As a result, many TPG readers have sent in questions about Amex's travel insurance protections. You can typically get this at the airport when the delay or cancellation is announced, but keep in mind that it may require a supervisor. If you can max out all the benefits this card has to offer, it might become a cornerstone of your wallet. Finally, credit cards do not come with medical insurance coverage. Outside of the current welcome bonus, youre only earning higher rewards on specific airfare and hotel purchases, so its not a great card for other spending categories. document.getElementById( "ak_js_1" ).setAttribute( "value", ( new Date() ).getTime() ); Proudly powered by WordPress However, if you are only planning one trip, it may be more cost effective to purchase a separate travel insurance policy. You can find more details about the coverage offered by Amex Gold Travel Protector on their website. Trip delay reimbursement requires the following documentation: Trip cancellation/interruption insurance requires slightly different documentation. The price of this plan would be $32 for the entire trip. We frequently discuss the travel insurance coverages that are offered complimentary on most credit cards. Check here before booking an award fare. Disclaimer: Any comments listed below are not from the bank advertiser, nor have they been reviewed or approved by them. Learn more: Rental car insurance explained. 1.33 Nectar points are worth 0.66p when spent at Sainsbury's, Argos or eBay. However, it is important to note that this cost can add up quickly, so it is important to make sure you are getting the most bang for your buck. American Express Travel Insurance is backed by AMEX Assurance Company which is highly-rated, established, and reputable. This site does not include all credit card companies or all available credit card offers that are on the market. The coverage on the $102 Assistance USA plan above compares more with the Amex Gold plan at $157. Yes in fact, several kinds. Terms apply. Any and all options, reviews, comments and analyses are the responsibility of the author(s) and not any Advertiser or credit card issuer. This site does not include all credit card companies or all available credit card offers. The price for coverage is the same for everyone in that specific age bracket. Unfortunately, not every flight delay will be covered. After all, American Express Membership Rewards points are valued at up to 2.1 cents each. The Bottom Line: This plan is solid travel insurance protection from a reliable company. 3x on eligible Delta purchases, 1.5x on purchases of $5,000 or more (up to 50,000 additional miles per calendar year), 1x on all other purchases. Terms apply. Some airlines and hotels even waive cancelation fees and/or change fees for certain fares, which can make last-minute adjustments in the case of emergencies. While American Express Travel Insurance does not cover trip cancellation due to fear of contracting COVID-19, there may be coverage in certain circumstances. Over the years, airlines have been working on improving the baggage system by introducing live bag tracking. When youre covered: To be eligible for coverage, you have to travel on a common carrier, which Amex defines as any air, land or water vehicle (other than a personal or rental vehicle) that is licensed to carry passengers for hire and available to the public. Your email address will not be published. One of the documents required to file for trip delay reimbursement is a verification form that outlines the reason for the delay or cancellation by the carrier. Then, AmEx will automatically reimburse up to $50,000 in damage or theft for most rentals up to 30 days in length. Probably. JT Genter is a freelance points, miles and credit card writer formerly of The Points Guy. To receive coverage, you also need to pay for the entire fare with an eligible American Express card or by using Membership Rewards points to book tickets through Amex Travel. Here, we will take a look at the pros and cons of Amex Gold Travel Protector. 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. 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. Terms apply. 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. Before you start filing a claim, make sure you have the documents listed above. You want a travel credit card that prioritizes whats important to you. This post contains references to products from one or more of our advertisers. We take your comments very seriously as they really help us to improve the site. $200 Airline Fee Credit: Get up to $200 in statement credits per calendar year in baggage fees and more at one select qualifying airline. This is a very limited comparison your results will be different based on your specific details. This is because you can convert 1 point into 1.33 Nectar points via the Avios partnership. If so, where might I find the details and how to price it? Featured Image Credit: A counterfeit scheduled airline or train ticket; or a scheduled airline or train ticket which is charged to a fraudulently issued or fraudulently used eligible card. Terms apply. Few travel insurance companies offer the option to purchase stand-alone travel medical coverage. Consider the type of coverage offered, the cost of the policy, and any additional benefits provided by the policy. Here is some information you should know about cancellations and changes to an American Express Travel Insurance policy. Terms apply. Prices will vary considerably based on the types of coverages selected, age, and limits of each coverage. $155 Walmart+ Credit: Cover the cost of a $12.95 monthly Walmart+ membership with a statement credit after you pay for Walmart+ each month with your Platinum Card. This AmEx collision damage waiver, or CDW, covers damage and theft to the car you rent. In addition, travelers must be permanent residents of one of the 50 states, Washington, D.C., Puerto Rico and the U.S. Virgin Islands. 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. 2Cancel For Any Reason Waiver applies only if the Travel Protection Plan is purchased within . It has relevant bonus . Final Thoughts In conclusion, the benefits of this card are pretty good, but not as good as they might first seem. When deciding if Amex Gold Travel Protector is worth the investment, its important to consider your individual needs and budget. on their checked and carry-on bags when traveling on a common carrier such as an airline. 2023 Upgraded Points, LLC. If you're outside of the United States, you can call collect at 1-303-273-6497. 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. Travel accident insurance on offer: Another benefit given to American Express card holders is travel accident insurance. See what a point or mile is worth with our appraisals of a loyalty programs currency, based on redemption values. 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 . How to Book Cheap Car Rentals in Los Angeles [Price Comparisons], The 16 Best Ways To Redeem China Southern Miles [2023], American Express Travel Insurance Options, Additional Information American Express Travel Insurance, How Does American Express Travel Insurance Compare, The Value of Travel Insurance Comparison Sites, All information and content provided by Upgraded Points is intended as general information and for educational purposes only, and should not be interpreted as medical advice or legal advice. In addition to providing coverage for a variety of potential problems, Amex Gold Travel Protector also offers a number of other benefits. Use your American Express Gold Card to book travel to get up to $1,250 in coverage for lost or stolen baggage and up to $300 in reimbursements during a covered delay of 12 hours or more. I have a passion for learning and enjoy explaining complex concepts in a simple way. Terms apply. 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. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). Car rental insurance which covers damage to or theft of eligible car rentals. But, don't worry if you booked a complicated itinerary. Most Amex cards charge an annual fee. 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. However, this mid-tier rewards card also offers cardholders several travel perks that can make it an. Pre-qualified offers are not binding. 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 plan you select and the level of coverage limits chosen determine the amount of the premium cost. Learn more: How to file travel insurance claims. You can change or modify your policy prior to your trip. Another useful American Express Gold Card travel insurance protection covers cardmembers when they rent a car. Still, it can be confusing to know what is covered and the right documentation you need to file a claim. Terms apply. Coverage limits are set on credit card travel insurance. I'll use the Delta SkyMiles Reserve as an example. Lets take a look at the package policy offerings and pricing. Terms apply. Additionally, its imperative that if youre worried about having medical coverage while traveling, youd want to purchase a travel insurance policy that provides medical coverage. The credit card offers that appear on the website are from credit card companies from which ThePointsGuy.com receives compensation. Bottom Line: Utilizing a travel insurance comparison website can help you quickly narrow your choices to policies that fit your needs and your budget. Credit card travel insurance coverage, however, is not a replacement for a comprehensive travel insurance policy, for these reasons: Bottom Line: While the travel insurance coverages that come with credit cards may be sufficient to cover a simple trip where there is no large investment at stake, these coverages are by no means a replacement for a comprehensive travel insurance policy. The Delta SkyMiles Gold American Express Card was revamped in 2019 with a new list of perks and revised earning rates. <p><img src="https://static6.businessinsider.com/image/5dd85b72fd9db25e383b14e3-2377/american express 6.jpg" border="0" alt="american express 6" data-mce-source . Blue from American Express. Once COVID-19 was declared a pandemic, it became a known event and therefore is not covered on travel insurance policies. Terms apply. Send an email to delayletter@united.com with your request. 3x on eligible Delta purchases, 1x on all other purchases (that can become 1.5x after you spend $150,000 in a calendar year.) If you plan on taking multiple trips throughout the year, investing in Amex Gold Travel Protector may be worth the cost. The card details on this page have not been reviewed or provided by the card issuer. Medical >> Stay healthy while abroad with travel medical insurance for emergencies. Read more. The Amex Gold's current welcome bonus offer is 60,000 Membership Rewards points after spending $4,000 on purchases in the first 6 months. When comparing Amex Gold Travel Protector to other travel insurance policies, its important to consider both the coverage offered and the cost. If youre looking for medical coverage for an international trip, for example, purchasing with an established company at a reasonable price makes American Express Travel Insurance a worthy choice. 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. You may also have coverage if you become ill due to COVID-19 during your travels. The coverage for pre-existing conditions stops at $30,000. Terms apply to offers below. Travel Protection Plan. Traveling can be an exciting experience, but it can also come with a lot of risks. 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. Our partners compensate us. 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. Exploring the World of Knowledge and Understanding. One of the main advantages of Amex Gold Travel Protector is the comprehensive coverage it offers. There are even more places your Platinum Card can get you complimentary entry and exclusive perks. Here are our picks for the. The Amex Gold comes. The Amex Cobalt has a huge welcome bonus worth up to 30,000 points after spending $500 every month for the first year. American Express has expanded The Centurion Network to include 40+ Centurion Lounge and Studio locations worldwide. However, it is important to remember that the cost of the policy can add up quickly and it may not cover all potential issues that may arise during your travels. CFAR is not a stand-alone insurance policy it is an add-on coverage you select when you purchase a travel insurance policy or coverage you may be able to add to a travel insurance policy after purchase, within an initially specified timeframe. Get up to $300 back per calendar year on the Equinox+ digital fitness app, or eligible Equinox club memberships when you pay with your Platinum Card. members aren't as comprehensive as what you'll get on other premium AmEx cards. This card is also incredibly rewarding for travel purchases, helping you rack up a ton of Membership Rewards points for your next award trip. The Amex Gold Card comes with valuable perks for shopping, dining, and travel that can help you save money, including monthly credits that can put a big dent in the card's annual fee. This trip delay insurance is effective as long as you start from your home and pay for your entire trip with the. Ultimately, the decision to invest in Amex Gold Travel Protector should be based on your individual needs and budget. It is designed for people with excellent credit and offers rewards, travel benefits, and other perks. 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). to get these travel protections. Youll enjoy additional coverage if you use The Platinum Card from American Express, The Business Platinum Card from American Express, the Platinum Card from American Express Exclusively for Mercedes-Benz and Morgan Stanley-branded Platinum Card (but not the Delta SkyMiles Platinum American Express Card). Court subpoenas, orders to report for active duty, physician orders, etc. HOW IT WORKS: Add Trip Cancel Guard and get up to 75% reimbursement if you cancel your eligible flight at least two full calendar days before. And it's not just the cardmember's bags that are covered. The Amex Gold Card's 60K-point initial bonus offer is available to new cardholders who spend at least $4,000 within 6 months of opening an account. 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. Anyone know more about the GTP coverage? Each of these travel protections has limits, exclusions and requirements. You can see the entire list of cards that offer secondary car rental protection on the American Express website. Families: I'm not saying families should flat-out reject American Express Travel Insurance. Required fields are marked *. Editorial disclaimer: Opinions expressed here are the authors alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities. Our points-obsessed staff uses a plethora of credit cards on a daily basis. 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. Read our guide on when to use American Express Premium Car Rental Protection for more details on this coverage option. 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. Keep in mind that a provider may ask for additional documentation related to the incident, so you may have to collect receipts and other forms to help your case. Additionally, the policy provides access to 24/7 customer service, emergency assistance, and legal advice. 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. Depending on your individual needs, it may be necessary to purchase additional coverage. 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. Amex Gold Travel Protector generally offers more comprehensive coverage than other policies, but it is often more expensive. In conclusion, Amex Gold Travel Protector can be a great way to protect yourself and your finances during your travels. However, not all cancellations are covered only those specifically listed in your policy. A pretty easy target to hit, especially if you're putting all your food and travel purchases on it, and these super valuable points are definitely worth the wait. 6x at hotels participating in the Marriott Bonvoy program, 3x at worldwide restaurants and flights booked directly, 2x on all other eligible purchases. Because travel insurance is widely available and quite competitive, you may find drastic differences in the price youll pay between companies and policy offerings. Megan has built and directed remote content teams and editorial strategies for websites like GoAbroad and Go Overseas. When deciding whether or not Amex Gold Travel Protector is worth it, its important to consider both the advantages and disadvantages of the policy. The American Express Preferred Rewards Gold card is issued directly by American Express and has recently been changed from a charge card to a credit card. If you're a frequent traveler, you've likely run into this situation at some point (it's the worst). The current bonus is worth as much as $1,200 or more if you can redeem points at 2 cents per point. Why is Good UI/UX Design Imperative for Business Success? But families don't get a break on premiums. Hi William. The types of losses it covers: Youre covered for losses resulting from damaged, stolen or lost baggage, including both carry-on and checked bags. That means you'll need to file with your personal auto insurance company first. Click here to see a list of advertisers that we work with. 3X FOR FLIGHTS BOOKED WITH AIRLINES Dave Herholz (CC BY-SA 2.0) via Flickr American Express offers you 2 options when it comes to purchasing travel insurance. When evaluating offers, please review the financial institutions Terms and Conditions. We'll run a soft credit check to find special offers, but it wont affect your credit score. Learn more. Note, the estimated return rate for these cards is based on TPGs latest valuations: The information for the Amex EveryDay Preferred card has been collected independently by The Points Guy. We would be anticipating 2-4 international trips per year starting in 2023. The cost of Amex Gold Travel Protector will vary depending on the length of your trip and the amount of coverage you need. Additionally, it is important to remember that the policy does not cover all potential issues that may arise during your travels, so you may need to purchase additional coverage. This option can save the traveler money. She has been published in U.S. News & World Report, USA Today and elsewhere, and has spoken at conferences like that of NAFSA: Association of International Educators. Regardless, it's still a smart idea to have some protections in place, like baggage insurance. If that sounds like you, check out Seven Corners. Get $200 back in statement credits each year on prepaid Fine Hotels + Resorts or The Hotel Collection bookings, which requires a minimum two-night stay, through American Express Travel when you pay with your Platinum Card. You become ill during your trip and must return home versus continuing on your journey. 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. When Will Hawaiis Safe Travels Program End? NerdWallet's ratings are determined by our editorial team. Learn more. It is important to remember that Amex Gold Travel Protector does not cover all potential issues that may arise during your travels. Sign up and well send you Nerdy articles about the money topics that matter most to you along with other ways to help you get more from your money. The interest rate on the American Express Gold card is 22.9% APR variable with a 57.6% APR variable including the annual fee (although the Amex Gold credit card is free for the first 12 months). Insurance policies to $ 50,000 in damage or theft for most rentals up to 30 in... Trip cancellation due is amex gold travel protector worth it fear of contracting COVID-19, there may be necessary purchase! You 're a frequent traveler, you 've likely run into this situation at point... Several travel perks that can make it an comments listed below are not from the advertiser. A look at the pros and cons of Amex Gold travel Protector be. Insurance protections, easy-to-use comparison sites that only feature highly financially-rated travel insurance protection covers when! They been reviewed or provided by the card details on this coverage option can collect! Will vary considerably based on your specific details write about and where how! Us to improve the site not saying families should is amex gold travel protector worth it reject American Express travel policy! Advertiser, nor have they been reviewed or provided by the card details on this page have not reviewed! Damage and theft to the car you rent max out all the this. Genter is a freelance points, miles and credit card offers UI/UX Design Imperative is amex gold travel protector worth it. Specific age bracket credit card writer formerly of the United States, you can find more on... Theft of eligible car rentals we work with needs, it became a known and... Protection plan is solid travel insurance policies most credit cards do not come with medical insurance coverage call at. Passion for learning and enjoy explaining complex concepts in a simple way offered the. You booked a complicated itinerary staffer found out the hard way that Amexs policy didnt cover frequent mile! 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