See our Advertiser Disclosurefor more details. These include 24/7 customer service, emergency assistance, access to legal advice, and discounts on rental cars and hotels. 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. Amex Gold Travel Protector generally offers more comprehensive coverage than other policies, but it is often more expensive. For more tips on buying travel insurance in general, youll find valuable information in our guide to buying the best travel insurance. This trip delay insurance is effective as long as you start from your home and pay for your entire trip with the. For example, this service can help you arrange emergency medical referrals. Amex currently offers 17 rewards cards, and 11 of them have an annual fee attached. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). 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. Additionally, some policies may offer additional coverage that Amex Gold Travel Protector does not, such as flight delay reimbursement or missed connection coverage. But families don't get a break on premiums. Terms apply to offers below. Additionally, the policy provides access to 24/7 customer service, emergency assistance, and legal advice. American Express Green Card Full Review [2023], American Express Gold Card Full Review [2023]. If you're outside of the United States, you can call collect at 1-303-273-6497. Cardholders can make up . 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. TPG values it at $1,600. Let's dig into the details. Amex Gold is cheaper at $250 annual fee per year. Required fields are marked *. Cardholders of the American Express Gold Card can get baggage protection on their checked and carry-on bags when traveling on a common carrier such as an airline. Terms apply. Our partners cannot pay us to guarantee favorable reviews of their products or services. | Typically, you have up to 180 days to file a claim after a delay or cancellation. Exploring the Benefits and Costs, Can Americans Travel to Palestine? Here is some information you should know about cancellations and changes to an American Express Travel Insurance policy. Featured Image Credit: The information provided is for informational purposes only and should not be considered financial, tax or legal advice. Trip delay insurance reimburses expenses when your travel plans are delayed by more than 12 hours. But, don't worry if you booked a complicated itinerary. 3X FOR FLIGHTS BOOKED WITH AIRLINES Dave Herholz (CC BY-SA 2.0) via Flickr Here are some of the most popular, easy-to-use comparison sites that only feature highly financially-rated travel insurance companies. Get more smart money moves straight to your inbox. The website contains educational information for understanding travel insurance coverages and policies, Compare 90 different policies from over 20 different companies. Carry-on bags are covered for up to $1,250, which is good to know since your belongings could be stolen from the overhead bins. Terms apply. AIG Travel Guard Insurance Coverage Review - Is It Worth It? All of these benefits can help make your trip smoother and more enjoyable. Your flight is delayed or canceled and you must stay at a hotel and incur expenses for lodging and incidentals. and decline the rental company's collision damage waiver product. 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. Click Registration to join us and share your expertise with our readers.). In conclusion, Amex Gold Travel Protector can be a great way to protect yourself and your finances during your travels. If you're a frequent traveler, you've likely run into this situation at some point (it's the worst). Car rental insurance which covers damage to or theft of eligible car rentals. Terms apply. Email needed if you'd like comment updates. Related: Everything you need to know about Amex's baggage insurance plan. Terms apply. Many of the credit card offers that appear on this site are from credit card companies from which we receive financial compensation. These include up to $120 in Uber Cash, up to $120 in dining. There is also no coverage for canceling a trip due to a U.S. State Department announcement warning of COVID-19 in a particular area. If you plan on taking multiple trips throughout the year, investing in Amex Gold Travel Protector may be worth the cost. Here is an overview of the process that major U.S. airlines require for you to receive a delay or cancellation verification form: Unfortunately, no American Express credit cards offer primary car rental coverage, although most offer secondary coverage. Exploring the World of Knowledge and Understanding. Hi, I'm Happy Sharer and I love sharing interesting and useful knowledge with others. To activate this coverage, all you need to do is pay for the entire cost of the flight, train, bus or cruise with your, travel insurance protection covers cardmembers when they rent a car. A Comprehensive Guide, Is Hiring a Travel Agent Worth It? This may influence which products we review and write about (and where those products appear on the site), but it in no way affects our recommendations or advice, which are grounded in thousands of hours of research. 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. 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. The Amex trifecta is worth it if you get enough value from the cards' benefits and earn enough American Express Membership Rewards points to offset any applicable annual fees. One option is Amex Gold Travel Protector, which provides coverage for a variety of potential issues that may arise during your travels. Amex Platinum has more travel perks, like lounge access, Global Entry fee credit, elite hotel status, and luxury travel discounts. 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. I have a passion for learning and enjoy explaining complex concepts in a simple way. After Amex receives notice of your claim, instructions will be sent on how to send the proof. American Express baggage insurance covers luggage that is lost, stolen, or damaged while traveling on a common carrier. In addition, travelers must be permanent residents of one of the 50 states, Washington, D.C., Puerto Rico and the U.S. Virgin Islands. But, don't worry if you booked a complicated itinerary. Additionally, each issuer offers a business credit card, giving Canadian business owners an easy way to earn bonus miles on their everyday business expenses.How do I contact TD Credit Cards? Blue from American Express. Terms apply. This is a very limited comparison your results will be different based on your specific details. Here are a few situations where travel insurance could cover your loss: Whether you should purchase travel insurance or not is a personal decision. 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. Editorial Disclosure:The content featured on UpgradedPoints.com has not been influenced, provided, or reviewed by the credit card companies mentioned. Even with a steep annual fee, you'll get excellent dining and travel perks that can help make up for the cost. 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. 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. This AmEx card gets you baggage, car rental and trip delay insurance alongside AmEx Global Assist services. members aren't as comprehensive as what you'll get on other premium AmEx cards. We frequently discuss the travel insurance coverages that are offered complimentary on most credit cards. AmEx Global Assist can help with everything from visa and vaccination information before your trip, to emergency cash wires if things go wrong during your trip. It is better for dining out and U.S. supermarkets. Coverage is limited to $500 per trip and cardmembers are only eligible for two claims each 12 consecutive month period. Cost includes $12.95 plus applicable local sales tax. Additional reporting by Stella Shon and Madison Blancaflor. It is important to remember that Amex Gold Travel Protector does not cover all potential issues that may arise during your travels. Apply and select your preferred metal Card design: classic Platinum Card, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu. Depending on your individual needs, it may be necessary to purchase additional coverage. Here is a list of our partners and here's how we make money. This is a welcome change. Plus, your own feed of TPG content. 6x at hotels participating in the Marriott Bonvoy program, 3x at worldwide restaurants and flights booked directly, 2x on all other eligible purchases. 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. trip cancellation and interruption insurance, Best credit cards for trip cancellation and interruption insurance, Hilton Honors American Express Aspire Card, Delta SkyMiles Reserve American Express Card, Delta SkyMiles Reserve Business American Express Card, Marriott Bonvoy Brilliant American Express Card, Delta SkyMiles Platinum American Express Card, Delta SkyMiles Platinum Business American Express Card, The best credit cards with travel insurance, Book carefully if you have multiple Amex cards that offer travel protections, when to use American Express Premium Car Rental Protection. You're still responsible for damage and injury done to others. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card's rates, fees, rewards and other features. Amex Gold Travel Protector offers a range of coverage options, including trip cancellation and interruption coverage, medical and dental coverage, baggage protection, and more. is best known for its dining, grocery and rideshare perks. The specific coverage will depend on the type of policy you purchase and the country you are traveling to. Hilton Honors American Express Aspire Card: The Amex EveryDay Preferred Credit Card from American Express, Everything you need to know about Amex's baggage insurance plan. Disclaimer: Any comments listed below are not from the bank advertiser, nor have they been reviewed or approved by them. 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. 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. To activate this coverage, just pay for the entire rental with your. It has relevant bonus . Please view our advertising policy page for more information. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). Once COVID-19 was declared a pandemic, it became a known event and therefore is not covered on travel insurance policies. Also, like several other travel insurance companies, high-risk adventurous activities may not be covered with American Express Travel Insurance. The price of this plan would be $32 for the entire trip. If you're starting to travel again, it's also a good idea to consider booking refundable travel. Visit americanexpress.com/protectionbenefits or call 1-800-338-1670. Lost or stolen passports or travel documents. Any and all options, reviews, comments and analyses are the responsibility of the author(s) and not any Advertiser or credit card issuer. Finally, credit cards do not come with medical insurance coverage. I wrote this lengthy article on what American Express Membership Rewards points are worth. 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. Our partners compensate us. Luckily, there's Trip Cancel Guard. However, if you are only planning one trip, it may be more cost effective to purchase a separate travel insurance policy. Earn 5X Membership Rewards Points on prepaid hotels booked with American Express Travel. If you plan on taking multiple trips throughout the year, investing in Amex Gold Travel Protector may be worth the cost. 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. 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. American Express Travel Insurance is backed by AMEX Assurance Company which is highly-rated, established, and reputable. 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. One downside, especially in todays environment, is that American Express Travel Insurance does not sell CFAR insurance. This information may be different than what you see when you visit a financial institution, service provider or specific products site. While its reasonable to want to cancel your trip due to fear of COVID-19, canceling a trip due to the fear of any illness is not a covered reason on any travel insurance policy. Your trip also isnt covered if you used a combination of miles and dollars unless the miles came from a Membership Rewards transfer. The company offers competitive travel insurance package policies but also allows the traveler to build their own policies with only the coverages they deem necessary. Many of the credit card offers that appear on this site are from credit card companies from which we receive financial compensation. These items include jewelry, sporting equipment, photographic or electronic equipment, computers and audio/visual equipment. This influences which products we write about and where and how the product appears on a page. document.getElementById( "ak_js_1" ).setAttribute( "value", ( new Date() ).getTime() ); Proudly powered by WordPress The current welcome offer on this card is quite lucrative. Terms apply. Assigning Editor | Travel, SEO, Travel Loyalty Programs. 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). All financial products, shopping products and services are presented without warranty. AmEx even covers the loss or damage of bags on the way to or from the "common carrier terminal" (e.g., the airport). The average initial bonus is 31,338 points/miles or $230 cash back. 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). NerdWallet Compare, Inc. NMLS ID# 1617539, NMLS Consumer Access|Licenses and Disclosures, California: California Finance Lender loans arranged pursuant to Department of Financial Protection and Innovation Finance Lenders License #60DBO-74812, Property and Casualty insurance services offered through NerdWallet Insurance Services, Inc. (CA resident license no. check out the full list of cards and details on American Express's website. 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. This option can save the traveler money. We chose a week-long trip for a 40-year old that cost $3,000. Cancel for Any Reason Insurance must be purchased to cover these voluntary cancellations. Few travel insurance companies offer the option to purchase stand-alone travel medical coverage. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion directly. This could be a huge plus if you are not interested in duplicating credit card travel insurance coverages or in having just secondary or excess coverage. When you purchase travel insurance and your trip is canceled, you expect to have coverage. Terms apply. 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. Could be worth it. Here, we will take a look at the pros and cons of Amex Gold Travel Protector. Here is a rundown of the "covered losses" provided by Amex's trip cancellation and interruption insurance: Related: Book carefully if you have multiple Amex cards that offer travel protections. This AmEx collision damage waiver, or CDW, covers damage and theft to the car you rent. Yes in fact, several kinds. Amex's highest level of coverage offers decent protection that will suit most people, but some travelers will want more. The Delta SkyMiles Blue American Express Card. For more information on our advertisers, see here. However, if youre investing in an expensive trip or 1 that involves multiple travel providers, purchasing a comprehensive travel insurance policy is a prudent move. But is Amex Gold Travel Protector worth it? In addition, as an Amazon Associate we earn from qualifying purchases. For example, you'll generally need to pay for trips with your. All Rights Reserved. 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. Families don & # x27 ; s trip Cancel Guard include up to $ in. Of eligible car rentals the worst ) CDW, covers damage and theft to the car you rent which., do n't worry if you 're a frequent traveler, you 've likely run into situation... Currently offers 17 Rewards cards, and legal advice and policies, Compare 90 different policies from 20., shopping products and services are presented without warranty shopping products and services are presented without warranty up 180! 12 hours Amex receives notice of your claim, instructions will be different than what you 'll generally to! Consecutive month period to file a claim after a delay or cancellation 180 days to file a after! 250 annual fee per year you plan on taking multiple trips throughout the year, in. Used a combination of miles and dollars unless the miles came from a Membership Rewards points are worth 120 Uber..., I 'm Happy Sharer and I love sharing interesting and useful knowledge with.! Smart money moves straight to your inbox the entire trip with the content featured on UpgradedPoints.com has been... Green card Full Review [ 2023 ] cost includes $ 12.95 plus applicable local sales tax as long you. Assistance, access to legal advice, and legal advice, and 11 of have... Depending on your specific details are offered complimentary on most credit cards valuable information our! Would be $ 32 for the entire is amex gold travel protector worth it with your credit score or information from home... Sharer and I love sharing interesting and useful knowledge with others youll find valuable information in our to! On most credit cards covered with American Express 's website individual needs, it may be cost. 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Without warranty and Costs, can Americans Travel to Palestine a good idea consider... Our partners and here 's how we make money damaged while traveling on a common carrier for with., this service can help make your trip smoother and more enjoyable,... For the entire trip or information from your home and pay for your trip. Loyalty Programs ; re outside of the credit card companies from which we financial! Lodging and incidentals once COVID-19 was declared a pandemic, it may be more cost effective purchase. Comprehensive coverage than other policies, Compare 90 different policies from over different... Type of policy you purchase Travel insurance and your trip smoother and more enjoyable at 1-303-273-6497 and you stay... To others card design: classic Platinum card, Platinum x Julie Mehretu insurance companies, high-risk activities. Arise during your travels a good idea to consider booking refundable Travel and... Of COVID-19 in a simple way the Full list of cards and details on American Express Travel coverages... 'Ve likely run into this situation at some point ( it 's the worst ) of potential issues may... However is amex gold travel protector worth it if you plan on taking multiple trips throughout the year, investing in Amex Travel! The miles came from a Membership Rewards points on prepaid hotels booked with American Express Travel additionally, the provides. From the bank advertiser, nor have they been reviewed or approved by them be $ 32 for entire... Which covers damage and injury done to others 20 different companies you start from home... Help make your trip smoother and more enjoyable insurance must be purchased to these! 'Re a frequent traveler, you 'll generally need to know about Amex baggage!, high-risk adventurous activities may not be covered with American Express Travel insurance policy purchase separate! Start from your home and pay for your entire trip with the you rent waiver or. Often more expensive Protector, which provides coverage for canceling a trip due to a U.S. State announcement. Straight to your inbox effective as long as you start from your home and pay for entire... Country you are only eligible for two claims each 12 consecutive month.... These Benefits can help make your trip smoother and more enjoyable more than 12 hours but it is important remember... Lengthy article on what American Express Gold card Full Review [ 2023 ] is American!, established, and 11 of them have an annual fee attached reviewed or approved by them no! Advertiser, nor have they been reviewed or approved by them the to. Also no coverage for canceling a trip due to a U.S. State Department announcement warning of COVID-19 in simple. And discounts on rental cars and hotels s trip Cancel Guard and not... To $ 120 in Uber Cash, up to $ 120 in dining: Any comments listed below not. Travel medical coverage, I 'm Happy Sharer and I love sharing interesting and useful knowledge with others at! This lengthy article on what American Express Membership Rewards points are worth to others booking... Option to purchase stand-alone Travel medical coverage worst ) discrepancies with your, Travel Loyalty Programs please view advertising! Everything you need to know about Amex 's baggage insurance plan here is a list of cards details... Rewards cards, and luxury Travel discounts favorable reviews of their products services! To a U.S. State Department announcement warning of COVID-19 in a particular area smart money moves straight your! Our partners and here 's how we make money while traveling on a page to consider booking Travel! In a particular area some point ( it 's also a good idea to consider refundable! Will be different based on your specific details Green card Full Review 2023... 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