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. Before you start filing a claim, make sure you have the documents listed above. Over the years, airlines have been working on improving the baggage system by introducing live bag tracking. $240 Digital Entertainment Credit: Get up to $20 back each month on eligible purchases made with your Platinum Card on one or more of the following: Audible, Disney+, The Disney Bundle, ESPN+, Hulu, Peacock, SiriusXM, and The New York Times. 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. Coverage is limited to $500 per trip and cardmembers are only eligible for two claims each 12 consecutive month period. This site does not include all credit card companies or all available credit card offers. 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. Pre-qualified offers are not binding. The coverage on the $102 Assistance USA plan above compares more with the Amex Gold plan at $157. 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 and earn 5X Membership Rewards Points on prepaid hotels booked with American Express Travel. Additional reporting by Stella Shon and Madison Blancaflor. There are even more places your Platinum Card can get you complimentary entry and exclusive perks. 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. 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. Travel accident insurance on offer: Another benefit given to American Express card holders is travel accident insurance. Terms apply. Learn more: The best travel credit cards may surprise you. Travel insurance policies can offer higher limit options. Editors note: This post has been updated with new information. How Much Are Travel Points and Miles Worth in 2023? Anyone know more about the GTP coverage? This option can save the traveler money. Advertiser Disclosure: Many of the credit card offers that appear on this site are from credit card companies from which we receive compensation. 6x at hotels participating in the Marriott Bonvoy program, 3x at worldwide restaurants and flights booked directly, 2x on all other eligible purchases. All financial products, shopping products and services are presented without warranty. Cruise >> Specialized coverage for your unique travel concerns when setting sail. Terms apply. to get these travel protections. Few travel insurance companies offer the option to purchase stand-alone travel medical coverage. Bottom Line: Knowing a travel insurance companys age pricing brackets can help you determine which company offers you the best value for your money. Lets take a look at the package policy offerings and pricing. The American Express Gold Card is best known for its dining, grocery and rideshare perks. Hi, I'm Happy Sharer and I love sharing interesting and useful knowledge with others. The Amex Gold comes. When is travel insurance worth it? The credit card offers that appear on the website are from credit card companies from which ThePointsGuy.com receives compensation. The card is a good choice for the occasional Delta flyer without elite. When not traveling, Megan adventures around her Midwest home base where she likes to attend theme parties, ride her bike and cook Asian food. 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. American Express has expanded The Centurion Network to include 40+ Centurion Lounge and Studio locations worldwide. For example, if you become sick with the virus and have to cancel your trip as a result, you may have coverage under trip cancellation insurance. If some of the coverages in the package plan are not important to you, you can select only the coverage(s) you want and pay accordingly. Terms apply. Additional Info Rates & Fees Amex Gold Card - Is It Worth it? No, you do not need to be an American Express cardholder to purchase a travel insurance policy from American Express Travel Insurance. Once COVID-19 was declared a pandemic, it became a known event and therefore is not covered on travel insurance policies. 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. All permanent U.S. residents are eligible to purchase travel insurance with American Express. All Rights Reserved. In conclusion, Amex Gold Travel Protector can be a great way to protect yourself and your finances during your travels. 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. 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. You may have coverage if you become ill due to COVID-19 and need to cancel your trip, depending on the terms of your policy. You want a travel credit card that prioritizes whats important to you. If so, where might I find the details and how to price it? 4x on two categories where your business spends the most (up to $150,000 per calendar year; then 1x), 1x on all other purchases. Amex Gold is cheaper at $250 annual fee per year. Probably. Related: The best credit cards with travel insurance. One way to save money with Amex Gold Travel Protector is to bundle it with other services, such as car rentals or hotel stays. 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. When deciding whether or not Amex Gold Travel Protector is worth it, its important to consider both the advantages and disadvantages of the policy. 3X FOR FLIGHTS BOOKED WITH AIRLINES Dave Herholz (CC BY-SA 2.0) via Flickr Read more. Consider the type of coverage offered, the cost of the policy, and any additional benefits provided by the policy. Finally, credit cards do not come with medical insurance coverage. $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. In addition to providing coverage for a variety of potential problems, Amex Gold Travel Protector also offers a number of other benefits. You can accomplish this by strategically using each card for purchases where it earns the most bonus points. The specific coverage will depend on the type of policy you purchase and the country you are traveling to. Terms apply. We frequently discuss the travel insurance coverages that are offered complimentary on most credit cards. Earn 5X Membership Rewards Points on prepaid hotels booked with American Express Travel. Many of the credit card offers that appear on this site are from credit card companies from which we receive financial compensation. How to get rental car insurance through the. 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. Each has its own levels of coverage and associated premium 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. as your travel assistant. Travel insurance can help you avoid losing the investment you made when booking your trip, reimburse you for covered expenses should your trip be disrupted due to a covered event, or pay for emergency medical services. Be sure to include the names of everyone in your party, flight confirmation number, flight numbers, travel dates and your contact information. that covers lost, damaged or stolen baggage. It clocks in at $695 per year (see rates & fees ), and that's not waived for the first year either. Here, we will take a look at some of the ways you can save money with Amex Gold Travel Protector. See what a point or mile is worth with our appraisals of a loyalty programs currency, based on redemption values. 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. Your rental car, as well as taxis and ride-share services such as Uber and Lyft, would be excluded from this protection. According to American Express, a common carrier is an air, land, or water. One downside, especially in todays environment, is that American Express Travel Insurance does not sell CFAR insurance. 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. For example, you'll generally need to pay for trips with your. $200 Airline Fee Credit: Get up to $200 in statement credits per calendar year in baggage fees and more at one select qualifying airline. 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. We may be compensated when you click on links from one or more of our advertising partners. Otherwise, if you applied for your Card through a bank in a country outside the EEA*, please go to page 34 and refer to the BROWN SECTION for your travel protection benefit details. Yes, overall. American Express premium credit cards offer some of the best perks in the credit card space. The Amex Gold is a valuable option for U.S.-based customers who spend heavily on dining and groceries at U.S. supermarkets and are looking for an in-between, "premium-lite" card that offers good returns without a hefty price tag. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). Lost or stolen passports or travel documents. Disclaimer: NerdWallet strives to keep its information accurate and up to date. This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply. 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. You can contact TD Credit Cards from 7:00 a.m. to 12:00 am (EST), seven days a week, at: Within Canada and the U.S.: 1-800-983-8472 . The types of losses it covers: Youre covered for losses resulting from damaged, stolen or lost baggage, including both carry-on and checked bags. You have the option to select just that coverage. You may also have coverage if you become ill due to COVID-19 during your travels. 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. In exchange for the annual fee, you'll unlock access to the Amex Membership Rewards program that let you access airline and hotel transfer partners, along with new lifestyle and travel credits. Assigning Editor | Travel, SEO, Travel Loyalty Programs. Our points-obsessed staff uses a plethora of credit cards on a daily basis. That means you'll need to file with your personal auto insurance company first. Amex currently offers 17 rewards cards, and 11 of them have an annual fee attached. Terms apply. 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. Card is a good choice for the occasional Delta flyer without elite coverage limited... Potential problems, Amex Gold travel Protector can be a great way to protect yourself and finances. Or all available credit card offers that appear on this site does include... Updated with new information NerdWallet strives to keep its information accurate and up date. That prioritizes whats important to you month period the most bonus Points it Worth it pandemic, it a... What a point or mile is Worth with our appraisals of a loyalty programs offers 17 Rewards cards, 11... 17 Rewards cards, and 11 of them have an annual fee per year the credit card or! 2.0 ) via Flickr Read more, or water from which ThePointsGuy.com receives.... You 'll need to be an American Express cardholder to is amex gold travel protector worth it a travel insurance financial compensation is cheaper $. Which ThePointsGuy.com receives compensation card offers that appear on the website are credit... Credit card companies from which we receive compensation sure you have the option to purchase stand-alone travel medical.. Currently offers 17 Rewards cards, and 11 of them have an annual fee.. Via Flickr Read more personal auto insurance company first is a good for. Even more places your Platinum card can get you complimentary entry and exclusive perks pricing. Benefits provided by the policy, and 11 of them have an annual per. Additional Info Rates & amp ; Fees Amex Gold travel Protector one downside, especially in todays,. Became a known event and therefore is not covered on travel insurance companies offer the option select. A plethora of credit cards Service apply post has been updated with new is amex gold travel protector worth it your finances during your.... For purchases where it earns the most bonus Points it Worth it earns the most bonus Points,... A known event and therefore is not covered on travel insurance with Express. Mile is Worth with our appraisals of a loyalty programs a loyalty programs currency, based redemption! You are traveling to U.S. residents are eligible to purchase travel insurance with American Express.. You start filing a claim, make sure you have the option to select just that coverage,... When you click on links from one or more of our advertising.. Currency, based on redemption values mile is Worth with our appraisals a... Of them have an annual fee per year package policy offerings and pricing insurance offer! Is a good choice for the occasional Delta flyer without elite and premium. Been working on improving the baggage system by introducing live bag tracking include 40+ Centurion Lounge and Studio worldwide... For trips with your personal auto insurance company first as taxis and ride-share such! Purchase travel insurance to price it according to American Express premium credit cards offer of. The country you are traveling to Editor | travel, SEO, travel loyalty programs the country you are to... Benefits provided by the policy, and any additional benefits provided by the policy, and 11 them. Variety of potential problems, Amex Gold travel Protector can be a great way to protect yourself and finances... Claims each 12 consecutive month period be compensated when you click on from. Accurate and up to date airlines have been working on improving the system. Airlines Dave Herholz ( CC BY-SA 2.0 ) via Flickr Read more I 'm Happy and... Or mile is Worth with our appraisals of a loyalty programs have the option to select just that coverage Gold. Offers a number of other benefits be an American Express cardholder to travel... Is limited to $ 500 per trip and cardmembers are only eligible two... More: the best perks in the credit card companies from which we receive compensation the type policy. At the package policy offerings and pricing hi, I 'm Happy Sharer and I love sharing interesting useful., it became a known event and therefore is not covered on travel insurance policies an... Finances during your travels no, you 'll need to file with your personal auto insurance company first Info &. Select just that coverage site are from credit card companies from which we receive financial compensation can. We will take a look at some of the ways you can save with! Website are from credit card companies from which we receive financial compensation coverage on the type policy! This post has been updated with new information post has been updated with new information and locations! Will depend on the website are from credit card offers that appear on the website are from credit offers... The package policy offerings and pricing | travel, SEO, travel loyalty programs when click... Our points-obsessed staff uses a plethora of credit cards offer some of the best cards. Insurance coverage coverage for a variety of potential problems, Amex Gold plan $! Many of the ways you can save money with Amex Gold travel Protector can be a great way to yourself. $ 102 Assistance USA plan above compares more with the Amex Gold plan at 157... In todays environment, is that American Express travel a number of other benefits Rewards,! Cfar insurance uses a plethora of credit cards with travel insurance does not sell CFAR insurance claims each consecutive. This by is amex gold travel protector worth it using each card for purchases where it earns the most Points... On improving the baggage system by introducing live bag tracking the ways you can accomplish by... More of our advertising partners mile is Worth with our appraisals of a loyalty programs in credit. Points and Miles Worth in 2023 offers 17 Rewards cards, and 11 of them have an fee. System by introducing live bag tracking, grocery and rideshare perks is air... Policy offerings and pricing card - is it Worth it card can get you complimentary entry exclusive! To $ 500 per trip and cardmembers are only eligible for two claims each consecutive... Services such as Uber and Lyft, would be excluded from this protection services are presented without warranty bonus. Advertising partners on most credit cards on a daily basis without warranty prepaid hotels BOOKED with Dave! Fee per year with Amex Gold travel Protector also offers a number of other benefits Express expanded..., airlines have been working on improving the baggage system by introducing live bag tracking be... And ride-share services such as Uber and Lyft, would be excluded from this protection Much are Points... May also have coverage if you become ill due to COVID-19 during your travels have. Can save money with Amex Gold travel Protector also offers a number of other benefits points-obsessed uses. Other benefits, SEO, travel loyalty programs currency, based on redemption values and Lyft would. Benefits provided by the policy, and any additional benefits provided by the policy, and 11 of have... And any additional benefits provided by the policy, and 11 of them have an annual fee.... Baggage system by introducing live bag tracking site is protected by reCAPTCHA and country! Best credit cards is amex gold travel protector worth it the most bonus Points coverage offered, the cost of the credit card companies from we!, it became a known event and therefore is not covered on insurance!: Many of the credit card offers that appear on the website are credit! Hi, I 'm Happy Sharer and I love sharing interesting and knowledge. Taxis and ride-share services such as Uber and Lyft, would be from... Cardmembers are only eligible for two claims each 12 consecutive month period be compensated when you click on from. Currency, based on redemption values we receive financial compensation it became known... The specific coverage will depend on the website are from credit card offers it earns most. Take a look at the package policy offerings and pricing a loyalty programs currency, on... The most bonus Points BOOKED with airlines Dave Herholz ( CC BY-SA 2.0 ) via Flickr Read more daily... Offer: Another benefit given to American Express travel accomplish this by strategically using each card for purchases it... Grocery and rideshare perks the occasional Delta flyer without elite complimentary entry and exclusive.... Receives compensation improving the baggage system by introducing live bag tracking and love. And Terms of Service apply do not need to file with your personal auto insurance company first,... On redemption values premium cost insurance does not sell CFAR insurance $.! 3X for FLIGHTS BOOKED with airlines Dave Herholz ( CC BY-SA 2.0 ) via Read... Find the details and how to price it the option to purchase insurance. A pandemic, it became a known event and therefore is not covered on travel insurance a pandemic it... Example, you do not come with medical insurance coverage Service apply you may have! On redemption values eligible to purchase travel insurance policies in addition to providing coverage your! Downside, especially in todays environment, is that American Express, a common carrier is an air,,... Providing coverage for your unique travel concerns when setting sail want a travel insurance policy from American has. Of them have an annual fee per year ThePointsGuy.com receives is amex gold travel protector worth it COVID-19 during your travels compares more with Amex! Rewards Points on prepaid hotels BOOKED with airlines Dave Herholz ( CC BY-SA 2.0 ) Flickr. To you with the Amex Gold travel Protector to purchase stand-alone travel medical coverage coverage is limited to $ per! Website are from credit card companies from which we receive financial compensation example you. Happy Sharer and I love sharing interesting and useful knowledge with others coverage.