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Your complete guide to travel protections on American Express cards

Editor's note: This is a recurring post, regularly updated with new information.

Numerous American Express cards offer travel protections that can take the headache out of your vacations. However, the coverage you get (and the limits of said coverage) differ by card. Rather than trying to remember all of this on your own, we will guide you through the travel protections offered by American Express cards.

This guide provides a comprehensive, detailed look at the variety of travel protections offered across the American Express card portfolio. Each section outlines a type of coverage and the cards offering this coverage. We also include coverage limits and any additional caveats to keep in mind.

Here's what you need to know about American Express travel insurance coverage.

Trip delay insurance

Trip delay insurance covers you when you encounter travel delays. This could be a delayed flight due to mechanical issues or an unexpected overnight due to a weather-related cancellation. Other reasons are covered, but individual policies vary in what they do and don't cover. If the reason for your delay is not specifically mentioned in your policy, assume that it's not covered.

With trip delay protection, there are two different "levels" of coverage, depending on the card you carry.

Level 1: Higher-end cards

Some of American Express' top products offer trip delay reimbursement of up to $500 per covered trip that is delayed for more than six hours, capped at two claims per eligible card per 12 consecutive months.*

This protection becomes effective when you purchase a ticket using any of the following cards:

• The Centurion® Card from American Express**
• The Business Centurion® Card from American Express**
• The Platinum Card® from American Express
• The Platinum Card® from American Express for Schwab**
• The Platinum Card® from American Express for Goldman Sachs**
• The Platinum Card® from American Express for Morgan Stanley**
• The Platinum Corporate Card from American Express**
• The Business Platinum Card® from American Express
• Delta SkyMiles® Reserve American Express Card
• Delta SkyMiles® Reserve Business American Express Card
• Hilton Honors American Express Aspire Card
• Marriott Bonvoy Brilliant® American Express® Card
• The American Express Corporate Platinum Card®**

*Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for details. Policies are underwritten by New Hampshire Insurance Company, an AIG Company.

**The information for these cards has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

Level 2: Mid-tier cards

Other American Express cards offer trip delay reimbursement of up to $300 per covered trip that is delayed for more than 12 hours, capped at two claims per 12 consecutive months.*

Here are the cards that include this protection when you use them to purchase your tickets:

• American Express® Gold Card
• American Express® Green Card**
• American Express® Business Gold Card
• Delta SkyMiles® Platinum American Express Card
• Delta SkyMiles® Platinum Business American Express Card
• Marriott Bonvoy Bevy™ American Express® Card

Trip cancellation and interruption insurance

This type of coverage is for situations in which your trip is canceled or interrupted (meaning you started the trip but must end it to return home). As a result, you're forced to forfeit prepaid, nonrefundable reservations. Again, be sure that your policy mentions your specific reason for it to be covered.*

All Amex cards with this benefit provide the same level of protection. If your trip is canceled or interrupted for a covered reason, you can receive a maximum of $10,000 per covered trip and a maximum of $20,000 per eligible card in a 12-month period.

Here are the cards that include this protection when you use them to purchase travel:

• Hilton Honors American Express Aspire Card **
• The Corporate Platinum Card® from American Express**
• The Corporate Centurion® Card from American Express**

Global Assist Hotline

Eligible cardholders can rely on the Global Assist Hotline 24 hours a day, 7 days a week for medical, legal, financial or other select emergency services coordination and assistance while traveling more than 100 miles from home.*

The Global Assist Hotline coordinates services but is not the service provider. Any third-party service costs may be your responsibility.

Here are the cards that include this protection when you use them to pay for your tickets:

• American Express® Cash Rebate Credit Card**
• Blue for Business® Credit Card**
• Blue Cash® from American Express**
• Blue Sky from American Express®**
• Blue Cash Everyday® Card from American Express
• Blue Cash Preferred® Card from American Express
• Business Green Rewards Card from American Express **
• Clear from American Express®**
• Delta SkyMiles® Blue American Express Card
• Delta SkyMiles® Gold American Express Card
• Delta SkyMiles® Gold Business American Express Card
• Hilton Honors American Express Card
• Hilton Honors American Express Surpass® Card
• The Hilton Honors American Express Business Card
• Marriott Bonvoy™ American Express® Card**
• Marriott Bonvoy Business® American Express® Card
• The Plum Card® from American Express
• The Blue Business® Plus Credit Card from American Express
• The American Express Blue Business Cash™ Card
• Amazon Business Card**
• Amazon Business Prime Card**
• Lowe's Business Rewards Card**
• American Express® Corporate Gold Card**
• Corporate Green Credit Card**
• American Express Cash Magnet® Card **
• The Amex EveryDay® Credit Card from American Express**
• The Amex EveryDay® Preferred Credit Card from American Express**
• Blue from American Express®**
• SimplyCash® Plus Business Credit Card**
• SimplyCash® Business Card**
• American Express® Platinum Credit Card**
• American Express® Credit Card**
• One from American Express®**
• Zync from American Express®**
• Schwab Investor Card® from American Express**
• Morgan Stanley Credit Card from American Express**
• Platinum Optima® Card**
• Optima® Card**
• Bluebird® American Express® Reloadable Prepaid Card**
• Serve® American Express® Reloadable Prepaid Card**
• The Corporate Platinum® Card from American Express**
• American Express® Corporate Green Card**
• Business Extra℠ Corporate Card**
• American Express® Corporate Accenture Gold**
• American Express® Corporate Meeting Card**
• American Express® Corporate Defined Expense Program Card**
• American Express® Corporate Purchasing Card**
• Morgan Stanley Blue Cash Preferred® American Express Card**

*Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for details. Cardmembers are responsible for the costs charged by third-party service providers.

Premium Global Assist Hotline

Like the benefit above, eligible cardholders for certain premium Amex cards can rely on the Global Assist Hotline 24/7 for medical, legal, financial or other select emergency services coordination and assistance services while traveling more than 100 miles from home. With the Premium benefit, emergency medical transportation assistance and related services may be provided at no cost.*

If approved and coordinated by the Premium Global Assist Hotline, emergency medical transportation assistance may be provided at no cost to you. Otherwise, third-party service costs may be your responsibility.

*Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for details. If approved and coordinated by Premium Global Assist Hotline, emergency medical transportation assistance may be provided at no cost. In any other circumstance, cardmembers are responsible for the costs charged by third-party service providers.

Baggage insurance plan

Baggage insurance applies to covered persons for eligible lost, damaged or stolen baggage during travel on a common carrier vehicle (such as a plane, train, ship or bus) when the entire fare for a ticket on the trip (one-way or round trip) is charged to an eligible card.

This benefit has two different "levels" of coverage, depending on the card you carry.

Some of American Express' top products offer baggage insurance coverage of up to $2,000 for checked baggage and up to a combined maximum of $3,000 for checked and carry-on baggage. This coverage is in excess of coverage provided by the common carrier. Coverage is subject to a $3,000 aggregate limit per covered trip.*

For New York state residents, there is a $2,000 per bag/per suitcase limit for each covered person, with a maximum of $10,000 aggregate for all covered persons per covered trip.*

Other American Express cards offer baggage insurance coverage of up to $1,250 for carry-on baggage and up to $500 for checked baggage. This coverage is in excess of coverage provided by the common carrier.*

For New York state residents, there is a maximum of $10,000 aggregate for all covered persons per covered trip.*

• American Express® Green Card
• American Express® Gold Card for Ameriprise Financial**
• American Express® Corporate Accenture Gold Card**
• American Express® Executive Business Card**

*Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for details. Policies are underwritten by AMEX Assurance Company.

Car rental loss and damage insurance

Car rental loss and damage insurance applies to the theft of or damage to most rental vehicles when you use an eligible card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the rental car company. Note that this product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered, and geographic restrictions apply.

Some of American Express' top products offer car rental loss and damage insurance of up to $75,000 for theft of or damage to eligible rental vehicles.*

Here are the cards that include this protection when you use them to pay for eligible rentals:

• Centurion® Card from American Express**
• Business Centurion® Card from American Express**

Other American Express cards offer car rental loss and damage insurance of up to $50,000 for theft of or damage to eligible rental vehicles.*

• Amex EveryDay® Credit Card**
• Amex EveryDay® Preferred Credit Card**
• SimplyCash® Plus Business Card**
• American Express® Business Purchase Account**

*Eligibility and benefit level varies by card. Not all vehicle types or rentals are covered, and geographic restrictions apply. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for details. Policies are underwritten by AMEX Assurance Company. Coverage is offered through American Express Travel Related Services Company, Inc.

Bottom line

Understanding what benefits your card has to protect you when things go wrong during a trip can help reduce headaches. To that end, American Express provides multiple travel protections across many of its card products.

Coverage limits within the same benefit can vary by the card you have, so consult your card's detailed benefits at americanexpress.com/benefitsguide for full details.

• Credit Cards

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While we work hard to provide accurate and up to date information that we think you will find relevant, Forbes Advisor does not and cannot guarantee that any information provided is complete and makes no representations or warranties in connection thereto, nor to the accuracy or applicability thereof.

The Amex Platinum Travel Insurance Guide 2024

Published: Nov 9, 2023, 12:25pm

Fact Checked

Table of Contents

About travel insurance from the platinum card®, how does the platinum card® from american express travel insurance work, what travel insurance does the platinum card® offer, travel insurance summary, the platinum card® pre-existing medical conditions, exclusions to the platinum card® travel insurance, the platinum card® 24/7 travel assistance, when does the platinum card® travel insurance start and end, how to file a claim with the platinum card® travel insurance, the bottom line, frequently asked questions (faqs).

The Platinum Card® from American Express comes with a long list of perks and benefits , especially for high-earning frequent travellers. While the card comes with a hefty $799 annual fee, it offers a worthwhile bevy of travel perks, including a $200 annual travel credit, a $100 credit towards a NEXUS application and generous travel benefits. such as guaranteed late check-outs, room upgrades, early check-in and in-room Wi-Fi. Then there’s the airport lounge access, and the even better perks if you fly out of Toronto’s Pearson International airport, such as valet service, discount parking and priority access.

Another included benefit is the travel insurance, which is a must-have any time you’re travelling outside of Canada, as your provincial or territorial plan has limited coverage if you get sick or injured. Other than that, if you have to cancel your trip before you leave or if you have to return home unexpectedly, travel insurance may be able to help reimburse some, if not all, of your expenses.

So let’s take a closer look at the travel insurance benefits offered by The Platinum Card® from American Express.

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Travel insurance is offered by most travel credit cards as a complimentary perk, and the Platinum Card® from American Express card is no exception. This card includes coverage for emergency medical, trip cancellation and interruption, flight delay, baggage protection , and even coverage in the event your accommodations are burgled.

Keep in mind that travel insurance is designed to cover losses from “sudden and unforeseeable circumstances” and that the card only covers the first 15 days of travel. You can take as many trips as you’d like, but you must return home first between trips.

The Platinum Card® from American Express travel insurance is underwritten by Royal & Sun Alliance Insurance Co. of Canada, except for the travel accident insurance coverage, which is underwritten by Chubb Life Insurance Company of Canada.

Unlike separate travel insurance policies , you don’t need to apply for travel insurance with The Platinum Card® from American Express as it’s an automatic perk of the card. However, there are requirements in place if you want to access the card’s insurance benefits:

• You need to pay for your trip with the card.
• You need to be 65 years old or younger.
• You need to be a resident of Canada.
• You must have current coverage under your province or territory’s government health insurance plan (GHIP).

Here are the key types of travel insurance coverage offered by the The Platinum Card® from American Express credit card:

Out of province/country emergency medical insurance: If you get ill or are injured on your trip, travel medical insurance can pay for emergency medical expenses, up to the $5 million covered limit.

Emergency medical treatment coverage for the The Platinum Card® from American Express card includes:

• Hospital accommodation up to a semi-private room
• Treatment by a physician or surgeon
• Outpatient hospital charges
• X-rays and other diagnostic tests
• Use of an operating room, intensive care unit, anaesthesia and surgical dressings
• Prescription drugs (except for a chronic medical condition)
• Local ground ambulance services or taxi/rideshare fare in a medical emergency
• Rental or purchase of a hospital-type bed, wheelchair, brace, crutches and other medical appliances
• Registered private nursing
• Emergency dental expenses due to a blow to the face, plus continued treatment upon your return (within 90 days of the injury)
• Emergency relief of dental pain
• Professional services, such as that from a physiotherapist, chiropractor, osteopath, chiropodist or podiatrist
• Return home due to a medical emergency
• Return of your remains, plus associated costs
• Additional meal and accommodation expenses after your return home is delayed due to you or your travelling companion’s medical emergency
• Bringing a bedside companion to you if you are hospitalized for more than three days (or immediately if you are under age 21 or physically handicapped and dependent on your bedside companion for support)
• Return of your vehicle or rental due to a medical emergency
• Return of dependent children due to a medical emergency if you are hospitalized more than 24 hours or due to repatriation
• Return of excess baggage due to a medical emergency

Trip cancellation insurance: If you cancel your trip before your departure date for a covered risk listed in your insurance policy, trip cancellation insurance can reimburse you for prepaid, non-refundable costs, such as airfare or hotels.

Covered risks include:

• Your emergency medical condition, or the emergency medical condition of your travelling companion
• Hospitalization or emergency medical condition of an immediate family member, business partner, key employee or caregiver
• Your death, or death of an immediate family member, business partner, key employee, caregiver or travelling companion, family of your travelling companion or your host at your destination
• A government advisory to “avoid non-essential travel” or “avoid all travel”
• Transfer by your employer for you or your spouse
• Loss of you or your spouse’s job
• Cancellation of a business meeting
• Being summoned to serve as a reservist, military, police, fire or medical personnel
• An event that renders your home or place of business inoperative
• Quarantine or hijacking of you, your spouse or dependent child
• You or your spouse being called for jury duty, being subpoenaed as a witness or being required to appear in a judicial proceeding

Trip interruption insurance: Trip interruption insurance kicks in once you’re on your trip if you have to return home earlier than expected due to a covered risk and can pay for a last-minute flight home and/or reimburse you for the unused portion of your travel arrangements that are non-refundable and non-transferable. This insurance also provides benefits, such as reimbursement for accommodation, meals, telephone and rides, if your return home is delayed due to a covered reason.

The covered risks are similar to those for trip cancellation insurance, but also include:

• Delay of a private car causing a missed connection or flight due to mechanical failure of that transportation, weather, earthquake, volcanic eruption, traffic accident or an emergency road closure
• Delay of your common carrier causing a missed connection due to the above unexpected issues
• Delay of your common carrier causing a delayed departure due to the above unexpected issues causing you to miss your scheduled cruise or tour

Like emergency medical insurance and trip cancellation insurance, trip interruption coverage is for sudden and unforeseeable circumstances. To ensure you’re able to access your coverage when you need it most, it’s crucial to review the complete list of covered risks to understand what is and is not covered and under what circumstances.

Flight and baggage delay insurance: This insurance provides coverage in the event that your flight and/or baggage is delayed, or if you suffer a loss due to a hotel burglary.

The coverage and benefits are as follows:

• Missed connection: If a delay of an incoming flight causes a missed connection and no alternative onward transportation is available within four hours of deplaning, this insurance will pay up to the benefit limit for expenses related to meals, accommodations and rides incurred within 48 hours of deplaning.
• Delayed flight departure or denied boarding: If your departing flight is delayed for four hours or more or if you’re denied boarding due to overbooking and no alternative transportation is available within four hours of your scheduled departure, this insurance will pay up to the benefit limit for expenses related to meals, accommodations and rides incurred within 48 hours of the delay or denied boarding.
• Emergency baggage delay: If your checked baggage is not delivered within six hours of arriving at your destination, this insurance provides reimbursement for expenses related to essential clothing and toiletries that are purchased within the first four days after arrival and before your bags are returned.

The maximum aggregate limit for the three coverages above is $1,000.

Hotel burglary insurance: If your accommodations are burgled due an illegal forced entry, this coverage will reimburse you for the loss of personal items, excluding cash. The maximum amount payable is $1,000 per burglary.

Lost or stolen baggage insurance: This insurance can compensate you up to your policy limit if your baggage is lost or stolen. Specifically, this insurance reimburses you for loss or damage to owned or borrowed baggage and personal effects, whether in transit as checked baggage or carried on board, as long as your full fare was paid with the card. The maximum amount payable is $1,000 for all insured persons combined. The amount includes a $300 limit for jewellery and a $250 limit for golf clubs, including golf bags.

This coverage does not cover loss or damage of eyeglasses or contact lenses, artificial teeth or limbs, cameras and camera equipment, electronics including laptops and cell phones, sports equipment (except gear for golf, skiing or tennis), fragile objects, such as china or glass, art or antiques, business items, household effects, perishable goods, animals, furs, cash, securities, or valuable papers and documents.

Travel accident insurance: This coverage offers compensation in the event of accidental death or catastrophic injury from a flight accident during your trip, including the loss of limbs or eyesight. Injury can be sustained during a flight or during alternative transportation due to a delayed or rerouted flight. The amount paid out depends on the severity of the loss or dismemberment and the insurer will only pay for one loss. The maximum amount payable is $500,000 per covered person and the benefit amount paid is for the greatest loss.

Car rental theft and damage insurance: This insurance covers theft, loss or damage to a rental vehicle for up to 48 consecutive days when you use your card to pay for the rental. In the event of theft or damage, you or the rental agency will be compensated up to the actual cash value of the vehicle (maximum $85,000 MSRP). It’s important to note there are a number of rental vehicles excluded from this coverage, including vans or cargo vans, pick-up trucks, off-road vehicles, motorcycles, trailers or RVs and antique cars. You will still require your own third-party liability, personal injury and damage to property car insurance coverage.

We’ve highlighted key benefits of the travel insurance offered by The Platinum Card® from American Express.

(i) $1,000 aggregate maximum for flight delay insurance and baggage delay insurance.

In general, a pre-existing condition is defined as any sickness, injury or medical condition, whether or not diagnosed by a physician, that you showed signs or symptoms or received medical attention for before the start of your coverage.

The Platinum Card® from American Express Travel Insurance will not pay any expenses related to any medical condition that is not stable in the 90 days before you leave on your trip.

A medical condition is considered stable when there has been:

• No new treatment, medical management or prescribed medication, and
• No change in treatment, medical management or medication (with some exceptions), and
• No new, frequent or severe symptoms or findings, and
• No new test results or results showing a deterioration, and
• No investigations or future investigations initiated or recommended, and
• No hospitalization or referral to a specialist, made or recommended

In addition, The Platinum Card® from American Express will not pay any benefits for the following:

• Your heart condition (with or without diagnosis) that has not been stable in the 90 days before your departure or for which you have taken nitroglycerin more than once per week for the relief of angina pain.
• Your lung condition (with or without a diagnosis) that has not been stable in the 90 days before your departure or for which you have been treated with home oxygen or taken oral steroids, such as prednisone or prednisolone, for any lung condition.

In addition to pre-existing conditions, The Platinum Card® from American Express Travel Insurance does not pay expenses related to the following general exclusions:

• Any medical condition for which future investigation or treatment is planned before your trip
• Continued treatment of a medical emergency, included any heart or lung condition, if you chose not to return home after receiving emergency care
• Any services that are not related to an emergency
• Routine care of a chronic condition
• Routine prenatal care
• Pregnancy, complications or birth of a child in the nine weeks before or after your expected delivery date, or any child born on a trip
• Invasive testing or surgery without prior approval, or any other benefits that require prior authorization that did not receive authorization
• Expenses related to participation as a professional athlete in a sporting event, including training or practice; any motorized race or motorized speed contest; or high-risk activities including scuba diving without a basic scuba designation, hang gliding, rock climbing, paragliding, skydiving, parachuting, bungee jumping, mountain climbing, rodeo, heli-skiing, any downhill skiing or snowboarding outside marked trails, any cycling racing event or ski racing event
• The commission of or attempt of a criminal act
• Intentional self-inflicted injury, suicide or attempt to commit suicide
• Any medical condition related to chronic use of alcohol or drugs, or your abuse of medication, drugs or alcohol, or non-compliance with prescribed medical treatment
• Mental or emotional stress, including anxiety and panic, unless it was severe enough to require medical attention
• War or rebellion
• Any treatment, surgery, investigation, palliative care or alternative therapy that was the purpose of your trip
• Any medical condition for which treatment is expected
• Symptoms in the 90 days before your trip that would cause a “prudent” person to seek medical attention
• Treatment for any condition for which you have been advised by your physician not to travel
• Any medical condition suffered or contracted or loss incurred in a country where there is an “avoid non-essential travel” or “avoid all travel” travel advisory in effect before you leave on your trip
• Any medical condition if the insurer’s medical advisors recommend you return home and you choose not to return
• Any radiation or radioactive contamination from any nuclear fuel or waste, or the radioactive, toxic, explosive or other dangerous properties of nuclear machinery

There are additional exclusions related to particular insurance coverages, so read your certificate of insurance carefully.

Travel assistance is available 24/7 and is provided by Global Excel Management Inc.

The following assistance services are available:

• Direction to one or more recommended medical service providers near you
• Confirmation of coverage
• Direct payment of eligible medical expenses to your service provider
• Consultation with your physician and monitoring of your care
• Monitoring the appropriateness, necessity and reasonableness of that care to ensure your expenses will be covered by insurance
• Conveying emergency messages to your immediate family, physician or business
• Coordination to replace your prescription eyeglasses or medication if necessary (though the actual cost to replace these items is not covered)

In the event of a medical emergency you, or someone acting on your behalf, must call Global Excel before receiving any medical treatment or, if this is medically impossible, as soon as possible afterward. If you do not make contact before seeking medical treatment or if you receive care from a non-approved medical service provider, you will be responsible for 20% of your covered medical expenses to a maximum of $25,000.

Emergency medical coverage: This is provided by the Platinum Card® from American Express for the first 15 consecutive days of your trip, starting with the day you leave your home province or territory and ending the day you return home.

However, coverage is automatically extended beyond the 15-day limit by the following amounts due to these circumstances:

• Up to five dates if you or your travelling companion are hospitalized due to a medical emergency on your scheduled return date
• Up to five days if you must delay you or your travelling companion’s return date due to a medical emergency
• Up to 72 hours if there’s a delay with your common carrier (plane, train, etc.) on your return date

Trip cancellation and trip interruption coverage: This begins on your effective date, or the date any portion of the trip costs are first charged to the card or paid by American Express Membership Rewards points. The coverage ends at midnight on your return date, though may be subject to extension due to the circumstances noted above.

Flight and baggage delay insurance: This coverage begins when your full fare is charged to your The Platinum Card® from American Express card. The hotel burglary insurance begins when your accommodations are reserved, booked and charged to your card. Coverage ends when you return home.

Lost and stolen baggage insurance: This starts when your baggage has been checked in and is in the care of an airline, or in the case of carry-on baggage, when you board the plane.

Travel accident insurance: This is in effect for the duration of the policy and will cover losses that happen within 100 days of the date of the accident that caused the injury.

Car rental theft and damage insurance: This valuable coverage is valid for a maximum of 48 consecutive days, starting the day you take control of the rental car. If you rent your vehicle for more than 48 days, there is no coverage provided, including for the first 48 days. You can not extend your insurance in any way. You can only qualify for the car rental theft and damage insurance coverage once in a calendar year.

In addition, coverage for all The Platinum Card® from American Express travel insurance ends when:

• Your account is cancelled.
• Your privileges are terminated.
• Your account is no longer in good standing.

You can fill a claim by visiting the online claims portal at amex.rsagroup.ca. There you can start a claim and submit your required supporting documents. Once submitted, you can track the status of your claim through the portal.

You must file your claim(s) within a prescribed number of days, as follows:

Depending on your claim, you may need to submit supporting documentation with your completed claim and authorization form, including:

• Proof of your departure and return dates
• Originals of all bills, invoices and receipts
• Proof of payment by your government health insurance plan and/or payment from any other insurer or benefit plan
• Complete diagnosis from the physician and/or hospital that provided the treatment, including confirmation that the treatment was medically necessary
• Proof of the accident for emergency dental treatment
• Written evidence of the risk insured that was the cause of the cancellation, interruption or delay
• Tour operator terms and conditions
• Copies of Amex statements showing payment of your trip or redemption of points
• Complete unused transportation tickets and vouchers
• Receipts for prepaid land arrangements and/or subsistence expenses
• Original passenger receipts for new tickets
• Reports from the police or local authorities documenting the cause of the missed connection
• Detailed invoices and/or receipts from service providers
• A copy of the travel agent’s invoice or itinerary and account statement of the full fare expenses
• Alternate boarding pass or flight delay report from the airline
• Verification from the airline of the delay, including reason, duration of delay and any compensation received
• Proof of delivery confirming date/time baggage was delivered
• Invoice issued by your accommodations
• Police report confirming forced entry and a burglary report from the accommodation
• Receipts for repaired or replaced items
• Lost or damaged baggage report
• Proof of settlement from your personal insurance company and/or airline
• Estimate of personal item or baggage repair(s)
• Itemized original receipts for replacement items
• Vehicle rental agreement
• Accident or damage report

You may also need to undergo a medical examination by a physician (or physicians) selected by the insurer.

The travel insurance offered by The Platinum Card® from American Express card offers comprehensive coverage in case of a wide number of travel calamities. For a simple trip of less than 15 days, this card likely offers sufficient protection. But if you plan on travelling for longer, have some high-risk activities in mind or live with pre-existing health conditions, you may want to consider additional coverage.

Does The Platinum Card® from American Express travel insurance pay directly?

According to the certificate of insurance, “.. wherever possible, Global Excel will… pay your eligible medical expenses directly to the recommended medical service provider.” The insurer also notes, however, that “there are certain countries where, due to local conditions or travel reports from the Canadian government, assistance services are not available and you may be required to make a payment up front.” In this case, it’s crucial that you obtain detailed and itemized original receipts to later use for your claim.

Does The Platinum Card® from American Express travel insurance have any age restrictions?

You must be at least 15 days old and under age 65 to qualify for The Platinum Card® from American Express travel insurance.

Does The Platinum Card® from American Express travel insurance have any date restrictions?

The Platinum Card® from American Express travel insurance will only cover the first 15 days of travel. Beyond 15 days, you can request a top-up of coverage for an extra premium.

Does The Platinum Card® from American Express travel insurance cover COVID-19?

Emergency medical coverage is available for COVID-19-related emergencies, as long as there is no “avoid all non-essential travel” or “avoid all travel” travel advisory in effect for your destination. If an advisory is issued while you are on your trip, The Platinum Card® from American Express provides coverage for medical emergencies related to COVID-19 for up to 10 days. If you are experiencing symptoms of COVID-19 before you leave on your trip, your insurance will likely not provide coverage as it is considered a pre-existing condition. According to the trip cancellation and trip interruption certificate of insurance (effective January 1, 2021), “A trip cancellation, trip interruption or trip delay, which is related, directly or indirectly, to Coronavirus disease 2019 (COVID-19)” is not covered. This means that expenses related to quarantine, refused boarding or refused entry are not covered.

What if my insurance benefits are insufficient?

The Platinum Card® from American Express travel insurance is considered excess insurance and last payor, meaning that all other sources of reimbursement, such as your provincial or territorial health plan and (if applicable) and any other insurance, such as that from a current or former employer, must be exhausted first. The Platinum Card® from American Express will pay the balance owing for eligible expenses. You are responsible for any deficit between the amount owing and the amount covered by insurance.

What if I’m travelling more than 15 days?

If you travel for more than 15 days, you can either request a top-up from The Platinum Card® from American Express and pay the extra premium or you can purchase a standalone policy.

Which is better: credit card or separate travel insurance ?

The choice between credit cards travel insurance or an individual, separate travel insurance plan is a personal one, based on your travel itinerary, health and insurance needs. Credit card travel insurance is a useful perk included in a card’s annual fee. There is no additional premium for insurance, unless you require coverage longer than the number of days under your policy, for example, 15 days with the The Platinum Card® from American Express card. You’ll need to purchase your non-refundable and non-transferable expenses, such as flights and hotels, with the card to get coverage. However, credit card travel insurance is limited compared to separate travel insurance policies that often have higher benefits, more comprehensive coverage and can include add-ons for high-risk activities or pre-existing conditions. If your credit card does not meet your needs, you can purchase a standalone policy as a top-up to your card’s coverage.

Can I pay for my trip with points and still get travel insurance coverage?

It depends. Trips will be covered if trip costs are paid for by redeeming Amex Membership Rewards Program points, but not if points are used from another reward program.

Advertiser's Disclosure

American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information, click the Apply Now link. If you apply and get approved for an American Express Card, (I/we) may receive compensation from American Express, which can be in the form of monetary payment.

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Fiona Campbell is a Staff Writer for Forbes Advisor Canada. She started her career on Bay Street, but followed her love for research, writing and a good story into journalism. She is the former editor of Bankrate Canada, and has over 20 years of experience writing for various publications, including the Globe and Mail, Financial Post Business, Advisor’s Edge, Mydoh.ca and more.

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You’re a Member When Every Trip Can Be Extraordinary

Book through American Express Travel® and elevate your next journey.

Plan Your Ideal Getaway 

With the many travel benefits of your personal Platinum Card ® .

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Elevate Your Stay With Fine Hotels & Resorts®

Explore a curated list of hotels worthy of your dreams. From city escapes to beachside destinations, any one of the 1,500 Fine Hotels + Resorts properties are thrilled to welcome Platinum Card Members. Book through American Express Travel and receive benefits that elevate your stay from morning to night, like daily breakfast for two, 4pm check-out, and more. Terms apply.‡

Enjoy More Benefits With The Hotel Collection

Style, perks, and benefits await at over 700 boutique, design-inspired hotels around the world. Enjoy premier benefits unique to each property – including a room upgrade at check-in when available and a $100 experience credit – when you book a prepaid stay of at least two consecutive nights with The Hotel Collection through American Express Travel. Experience credit varies by property. Certain room categories not available for upgrade. Terms apply.‡

Airfares Just for You

Save on the best seats in the house when you book with your Platinum Card on a partner flight from the International Airline Program through American Express Travel.‡ Explore lower fares on international First Class, Business Class, and Premium Economy seats or go farther for less when you use Membership Rewards® points through Insider Fares. Card Member must be traveling on the itinerary. Max eight tickets and must originate and return to the US. Terms apply.‡

Experience Cruises and Custom Vacations

From one-of-a-kind charters to premier culinary experiences, let your adventurous spirit and American Express® Platinum Card guide your next journey.‡

Ready, Set, Book

From extra Membership Rewards points to special offers and more, book through American Express Travel to take advantage of your Platinum Card benefits.

Earn $200 for Your Stay

Get up to $200 back in statement credits ‡ each year for prepaid Fine Hotels + Resorts  bookings, or stays of two nights or more with The Hotel Collection , when you book through American Express Travel using your personal Platinum Card. Terms apply. ‡

Earn 5X Membership Rewards Points

From short flights to long hotel stays, you can use Pay with Points for all or part of the purchase through AmexTravel.com . Or, earn 5X Membership Rewards points when you book with your Platinum Card. This includes up to $500,000 per calendar year on flights booked directly with airlines or through American Express Travel and eligible prepaid hotels. Terms apply. ‡

Enjoy Hilton Honors Gold Status

With Hilton Honors Gold status, you can enjoy benefits at hotels and resorts within the Hilton portfolio and earn reward stays faster with Hilton Honors Bonus Points. ‡ Enjoy this elevated status automatically when you enroll with your Platinum Card.

Enjoy Marriott Bonvoy® Gold Elite Status

As a Platinum Card Member, you can upgrade to Marriott Bonvoy ® Gold Elite status without meeting any stay requirements. You can enjoy perks like 25% more Marriott Bonvoy ® points , priority late checkout, and enhanced room upgrades when available. Terms and limitations apply. ‡

Drive in Style

Take advantage of your instant elevated status with Avis, Hertz, and National and explore any city in style. Enjoy perks like member-only discounts, no fees for additional drivers, and the ability to skip the rental line. Enrollment required. ‡

Elevate Your Experiences

It’s time to make the most of your benefits. Enjoy access to lounges, priority tables at premier restaurants, and more along your journey.

Unwind Before Takeoff

The American Express Global Lounge Collection® provides Platinum Card Members with more airport lounge options than any other credit card issuer on the market, as of 3/2023. Experience the highest levels of luxury at The Centurion® Lounge along with various other lounge programs and partners in destinations worldwide.‡

Take Global Dining to the Next Level With Priority Notify

Wherever you go, be in the know when a table at the world’s most sought-after restaurants becomes available with Priority Notify from Resy. Download the Resy iOS app or log in to Resy.com and add your Platinum Card® to your Resy profile to take advantage of your special benefits and discover restaurants near you.‡

Arrive on Time With Uber

Book your Uber in advance so you can head to the airport on your schedule. As a Platinum Card Member, you receive $15 in Uber Cash, available to you through the Uber app, for orders with Uber Eats or rides with Uber in the US each month plus a bonus $20 in December*, delivered through an exclusive Uber app experience. Simply download the Uber app and add your Platinum Card to your Uber account to get started. *Uber Cash and Uber VIP status is available to Basic Card Member only.

Get Through Airport Security Faster With CLEAR® Plus

CLEAR® uses unique attributes, such as eyes or fingerprints, to digitally verify identity to help its members move faster through security at select airports nationwide. You can cover the cost of a CLEAR Plus Membership‡, excluding any applicable taxes, with up to $189 in statement credits per year after you enroll and pay for CLEAR Plus, which is subject to auto-renewal with your Platinum Card.† †Taxes and fees subject to autorenewal. Excluding any applicable taxes and fees. Subject to auto-renewal.

Save $200 on Airline Fees

Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Card or any of the Additional Cards on your Platinum Card account.§ §American Express relies on airlines to submit the correct information on airline transactions to identify incidental fee purchases. If you do not see a credit for a qualifying incidental purchase on your eligible Card after 8 weeks, simply call the number on the back of your Card. Qualifying airlines are subject to change. See terms & conditions for more details.

Start Your Next Adventure

You deserve the best from every journey. We’re here to help you get it.

‡ Terms and Conditions

Fine Hotels + Resorts Program Show Details Hide Details

Fine Hotels + Resorts® (FHR) program benefits are available for new bookings made through American Express Travel with participating properties and are valid only for eligible U.S. Consumer, Business, and Corporate Platinum Card® Members, and Centurion® Members. Additional Platinum Card Members on Consumer and Business Platinum and Centurion Card Accounts are also eligible for FHR program benefits. Companion Card Members on Consumer Platinum and Centurion Card Accounts, Additional Business Gold and Additional Business Expense Card Members on Business Platinum and Centurion Card Accounts, and Delta SkyMiles® Platinum Card Members are not eligible for FHR program benefits. Bookings must be made using an eligible Card and must be paid using that Card, or another American Express® Card, in the eligible Card Member's name, and that Card Member must be traveling on the itinerary booked. The average total value of the program benefits is based on prior-year bookings for stays of two nights; the actual value varies. Noon check-in and room upgrade are subject to availability and are provided at check-in; certain room categories are not eligible for upgrade. The type of experience credit or additional amenity (if applicable) varies by property; the experience credit will be applied to eligible charges up to the amount of the experience credit. Advance reservations are recommended for certain experience credits. The type and value of the daily breakfast (for two) varies by property; breakfast will be valued at a minimum of US$60 per room per day. If the cost of Wi-Fi is included in a mandatory property fee, a daily credit of that amount will be applied at check-out. Benefits are applied per room, per stay (with a three-room limit per stay). Back-to-back stays booked by a single Card Member, Card Members staying in the same room or Card Members traveling in the same party within a 24-hour period at the same property are considered one stay and are ineligible for additional FHR benefits (“Prohibited Action”). American Express and the Property reserve the right to modify or revoke FHR benefits at any time without notice if we or they determine, in our or their sole discretion, that you may have engaged in a Prohibited Action, or have engaged in abuse, misuse, or gaming in connection with your FHR benefits. Benefit restrictions vary by property. Benefits cannot be redeemed for cash and are not combinable with other offers unless indicated. Benefits must be used during the stay booked. Any credits applicable are applied at check-out in USD or the local currency equivalent. Benefits, participating properties, and availability and amenities at those properties are subject to change. To be eligible for FHR program benefits, your eligible Card Account must not be cancelled. For additional information, call the number on the back of your Card.

The Hotel Collection Program Show Details Hide Details

The Hotel Collection (THC) benefits are available for new bookings of two consecutive nights or more made through American Express Travel with participating properties and are valid only for eligible U.S. Consumer and Business Gold Card, Platinum Card® Members, and Centurion® Members. Additional Card Members on Consumer and Business Platinum Card Accounts, and Additional Card Members on Consumer and Business Centurion Accounts are also eligible for THC program benefits. Delta SkyMiles® Gold and Platinum Card Members are not eligible. Bookings must be made using an eligible Card and must be paid using that Card, or another American Express® Card, in the eligible Card Member's name, and that Card Member must be traveling on the itinerary booked. Room upgrade is subject to availability and is provided at check-in; certain room categories are not eligible for upgrade. The type of experience credit or additional amenity (if applicable) varies by property; the experience credit will be applied to eligible charges up to $100. Advance reservations are recommended for certain experience credits. Benefit restrictions vary by property. Benefits are applied per room, per stay (with a three-room limit per stay). Back-to-back stays booked by a single Card Member, Card Members staying in the same room or Card Members traveling in the same party within a 24-hour period at the same property are considered one stay and are ineligible for additional THC benefits (“Prohibited Action”). American Express and the Property reserve the right to modify or revoke the THC benefits at any time without notice if we or they determine, in our or their sole discretion, that you have engaged in a Prohibited Action, or have engaged in abuse, misuse, or gaming in connection with your THC benefits. Benefits cannot be redeemed for cash and are not combinable with other offers unless indicated. Benefits must be used during the stay booked. Any credits applicable are applied at check-out in USD or the local currency equivalent. Benefits, participating properties, and availability and amenities at those properties are subject to change. To be eligible for THC program benefits, your eligible Card Account must not be cancelled. For additional information, call the number on the back of your Card.

International Airline Program Show Details Hide Details

International Airline Program benefits are valid only for eligible U.S. Consumer and Business Platinum Card ® and Centurion ® Members (Delta SkyMiles ® Platinum Card Members are not eligible), on international tickets booked through American Express Travel for select first class, business class, and premium economy tickets with participating airlines, subject to availability. Travel must originate in and return to U.S. gateway (may exclude certain overseas territories) and select Canadian gateways. One-way travel is permitted on some airlines where routing originates in U.S. or select Canadian gateways. An eligible Card Member can book for himself/herself and up to seven passengers traveling on the same itinerary as that Card Member. Bookings must be made using an eligible Card in the Card Member’s name. Discounts are applied to the base airfare. Discounts are not combinable with other offers unless indicated and may not apply to codeshare partners. Airline fare rules and restrictions apply and are subject to change at the discretion of the airline. Tickets are non-refundable unless otherwise indicated. Tickets are non-transferable; name changes are not permitted. Benefits, participating airlines, and ticket availability are subject to change.

Cruise Privileges Program Show Details Hide Details

Cruise Privileges Program (“CPP”) benefits are valid only for new CPP bookings made with participating cruise lines through American Express Travel. CPP benefits are valid only for eligible U.S. Consumer and Business Platinum and Centurion ® Card Members (Delta SkyMiles ® Platinum Card Members are not eligible). CPP bookings must be made using the eligible Card. CPP benefits are non-transferable. Participating cruise lines and program benefits are subject to change. The benefits of an onboard credit and amenity are valid for new CPP bookings of at least five nights and require double occupancy; the eligible Card Member must be traveling on the itinerary booked; the total cost of the CPP booking must be paid using an American Express ® Card in the eligible Card Member's name. Onboard credits and amenities cannot be combined with other offers unless indicated; blackout dates, category and fare restrictions may apply. Onboard credits and amenities may not be available to residents outside of the 50 United States. Onboard credits and amenities apply per stateroom, with a three-stateroom limit per eligible Card Member, per cruise. For new CPP bookings with Celebrity Cruises, Norwegian Cruise Line, Holland America Line, Princess Cruises, and Royal Caribbean International, eligible Card Members receive an onboard credit (in USD) of: $100 for inside and outside staterooms, $200 for balcony, verandah, and mini-suite staterooms, and/or $300 for suites. For new CPP bookings with Cunard, eligible Card Members receive an onboard credit (in USD) of: $300 for all Queen Mary ocean-view staterooms category EF or higher, and/or Queen Victoria or Queen Elizabeth ocean-view staterooms category FA or higher. For new CPP bookings with Ama Waterways, Oceania, Regent, Azamara, Seabourn, Silversea, Uniworld, and Windstar, eligible Card Members receive an onboard credit of US$300 for all stateroom categories. For new CPP bookings, Centurion Members receive an additional US$200 onboard credit on Regent Seven Seas Cruises, Seabourn, and Silversea. Onboard credits will be applied at checkout upon completion of the cruise; credit amounts in local currency may vary due to foreign exchange rates; credits are subject to cruise line terms and policies; credits cannot be used for casino charges, gratuities or other similar charges. Any unused portion of a credit is non-refundable and is not redeemable for cash. Other restrictions may apply. Onboard amenities vary by participating cruise line and are not available on Silver Explorer, Silver Galapagos and Silver Discoverer. Onboard credits and amenities are not available on Celebrity Cruises Galapagos sailings.

Extra Membership Rewards ® points: CPP-eligible Card Members that are Membership Rewards program-enrolled will receive one (1) extra Membership Reward ® point per eligible dollar spent on new CPP bookings made with participating cruise lines through American Express Travel; separate airfare and other charges associated with such bookings are not eligible. CPP bookings must be made using the eligible Card (described above). The extra points will be credited to the Card Member’s Membership Rewards account 8-12 weeks after completion of the CPP cruise. For more information visit membershiprewards.com/terms .

American Express Travel Related Services Company, Inc. is acting solely as a sales agent for travel suppliers and is not responsible for the actions or inactions of such suppliers. Certain suppliers pay us commission and other incentives for reaching sales targets or other goals and may provide incentives to our travel consultants. For more information visit americanexpress.com/travelterms

California CST#1022318; Washington UBI#600-469-694

$200 Hotel Credit Show Details Hide Details

Basic Card Members on U.S. Consumer Platinum Card Account are eligible to receive up to $200 in statement credits per calendar year when they or Additional Platinum Card Members use their Cards to pay for eligible prepaid Fine Hotels + Resorts ® and The Hotel Collection bookings made through American Express Travel (meaning through amextravel.com, the Amex ® App, or by calling the phone number on the back of your eligible Card) or when Companion Platinum Card Members on such Platinum Card Accounts pay for eligible prepaid bookings for The Hotel Collection made through American Express Travel (meaning through amextravel.com, the Amex ® App, or by calling the phone number on the back of your eligible Card). Purchases by both the Basic Card Member and any Additional Card Members on the Card Account are eligible for statement credits. However, the total amount of statement credits for eligible purchases will not exceed $200 per calendar year, per Card Account. Fine Hotels + Resorts ® program bookings may be made only by eligible U.S. Consumer Basic Platinum and Additional Platinum Card Members. The Hotel Collection bookings may be made by eligible U.S. Consumer Basic and Additional Platinum Card Members and Companion Platinum Card Members on the Platinum Card Account. Delta SkyMiles ® Platinum Card Members are not eligible for the benefit. To receive the statement credits, an eligible Card Member must make a new booking using their eligible Card through American Express Travel on or after July 1st, 2021, that is prepaid (referred to as "Pay Now" on amextravel.com and the Amex App), for a qualifying stay at an available, participating Fine Hotels + Resorts or The Hotel Collection property. Bookings of The Hotel Collection require a minimum stay of two consecutive nights. Eligible bookings must be processed before December 31st, 11:59PM Central Time, each calendar year to be eligible for statement credits within that year. Eligible bookings do not include interest charges, cancellation fees, property fees or other similar fees, or any charges by a property to you (whether for your booking, your stay or otherwise).

Statement credits are typically received within a few days, however it may take 90 days after an eligible prepaid hotel booking is charged to the Card Account. American Express relies on the merchant to process transactions within the same calendar year that you made the prepaid booking in order to apply the statement credit in the calendar year that it was intended. For example, if you make an eligible prepaid booking on the last day of the year, but the merchant doesn't process that transaction until the next day, then the statement credit available in the next calendar year will be applied to the Card Account, if the purchase is eligible. Statement credits may not be received or may be reversed if the booking is cancelled or modified. To be eligible for this benefit, your Card account must not be cancelled or past due at the time of statement credit fulfillment. If American Express does not receive information that identifies your transaction as eligible, you will not receive the statement credits. For example, your transaction will not be eligible if it is a booking: (i) made with a property not included in the Fine Hotels + Resorts or The Hotel Collection programs, (ii) not made through American Express Travel, or (iii) not made with an eligible Card. Participating properties and their availability are subject to change. If American Express, in its sole discretion, determines that you have engaged in or intend to engage in any manner of abuse, misuse, or gaming in connection with this benefit, American Express will not have an obligation to provide and may reverse any statement credits provided to you. If a charge for an eligible purchase is included in a Pay Over Time balance on your Card Account, the statement credit associated with that charge may not be applied to that Pay Over Time balance. Instead, the statement credit may be applied to your Pay In Full balance. Please refer to AmericanExpress.com/FHR and AmericanExpress.com/HC for more information about Fine Hotels + Resorts and The Hotel Collection, respectively.

5X Air and Hotel Show Details Hide Details

Basic Card Members will get 1 Membership Rewards® point for each dollar charged for eligible purchases on their Platinum Card® or an Additional Card on their Account and 4 additional points (for a total of 5 points) for each dollar charged for eligible travel purchases on any Card on the Account (“Additional Points”), minus cancellations and credits. Eligible travel purchases are limited to: (i) purchases of air tickets on scheduled flights, of up to $500,000 in charges per calendar year, booked directly with passenger airlines or through American Express Travel (by calling 1-800-525-3355 or through AmexTravel.com); (ii) purchases of prepaid hotel reservations booked through American Express Travel; and (iii) purchases of prepaid flight+hotel packages booked through AmexTravel.com. Eligible travel purchases do not include: charter flights, private jet flights, flights that are part of tours, cruises, or travel packages (other than prepaid flight+hotel packages booked through AmexTravel.com), ticketing or similar service fees, ticket cancellation or change fees, property fees or similar fees, hotel group reservations or events, interest charges, or purchases of cash equivalents. Eligible prepaid hotel bookings or prepaid flight+hotel bookings that are modified directly with the hotel will not be eligible for Additional Points. 

Bonuses that may be received with your Card on other purchase categories or in connection with promotions or offers from American Express cannot be combined with this benefit. Any portion of a charge that the Basic Card Member elects to cover through redemption of Membership Rewards points is not eligible to receive points. Additional terms and restrictions apply. 

Merchants are assigned codes based on what they primarily sell. We group certain merchant codes into categories that are eligible for Additional Points. A purchase with a merchant will not earn Additional Points if the merchant’s code is not included in an Additional Points category. Basic Card Members may not receive Additional Points if we receive inaccurate information or are otherwise unable to identify your purchase as eligible for an Additional Points category. For example, you may not receive Additional Points when: a merchant uses a third-party to sell their products or services, a merchant uses a third-party to process or submit your transaction to us (e.g., using mobile or wireless card readers), or you choose to make a purchase using a third-party payment account or make a purchase using a mobile or digital wallet. 

To be eligible for this benefit, the Card Account must not be cancelled. If American Express, in its sole discretion, determines that you have engaged in or intend to engage in any manner of abuse, misuse, or gaming in connection with this benefit in any way American Express may remove access to this benefit from the Account. For additional information, call the number on the back of your Card or visit  americanexpress.com/rewards-info  for more information about rewards.

Hilton Honors Gold Status Enrollment Show Details Hide Details

Enrollment through American Express is required to receive the benefit. Platinum Card Members and Additional Platinum Card Members on the Platinum Card Account can enroll in complimentary Hilton Honors Gold status in the Benefits section of their americanexpress.com online account or by calling the number on the back of their Card. If a Card Member already has a Hilton Honors Number, they may enter it on the benefit page prior to enrollment. Benefit available only to Platinum Card Members and is not transferable. Once the Card Member requests enrollment in the Hilton Honors program, American Express will share their enrollment information with Hilton. Hilton may use this information in accordance with its privacy policy available at hilton.com/en/p/global-privacy-statement/ . Enrolled Card Members will maintain Hilton Honors Gold Status without meeting otherwise required Hilton Honors criteria as long as the Card Member remains an eligible American Express Card Member or until American Express notifies the Card Member that the benefit is terminated. If your Platinum Card is cancelled for any reason, your complimentary Hilton Honors Gold status provided with the Card will be cancelled. American Express reserves the right to change, modify or revoke complimentary Gold status at any time. If your complimentary Gold status is cancelled, you may be able to maintain your Gold status by qualifying under the Hilton Honors Program terms. Gold status benefits are subject to availability and vary by hotel; see Hiltonhonors.com/MemberBenefits and Hilton.com/en/hilton-honors/benefit-terms/ for additional details. The Hilton Honors Program, including the benefits of Hilton Honors membership, are subject to Hilton Honors Terms and Conditions; see hiltonhonors.com/terms .

To be eligible for this benefit, Card Account(s) must not be cancelled. If your Card has been replaced, please check the Benefits section of your americanexpress.com account, mobile app or call the number on the back of your Card to confirm your continued enrollment in the benefit. If American Express, in its sole discretion, determines that you have engaged in or intend to engage in any manner of abuse, misuse, or gaming in connection with this benefit in any way, American Express may remove access to this benefit from the Account. For additional information, call the number on the back of your Card.

Marriott Bonvoy ™ Gold Elite Status Show Details Hide Details

Enrollment through American Express is required to receive the benefit. Platinum Card Members and Additional Platinum Card Members are eligible to enroll in the complimentary Marriott Bonvoy™ Gold Elite Status benefit in the Benefits section of their americanexpress.com online account or by calling the number on the back of their Card. If a Card Member already has a Marriott Bonvoy account number, they may enter it in the Benefits section prior to enrollment. Once the Card Member requests enrollment, American Express will share their enrollment information with Marriott International Inc. Marriott Bonvoy may use this information in accordance with its privacy statement available at www.marriott.com/about/privacy.mi . Enrollment into the Marriott Bonvoy program is required to receive program benefits, and enrollment may be terminated without prior notice subject to Marriott Bonvoy terms and conditions. Enrollment usually occurs within 3-5 business days, but in limited instances it may take longer. Please call the number on the back of your Card for assistance if you have not received a benefit enrollment confirmation within 10 days from the time you requested enrollment. The Marriott Bonvoy program is subject to change and certain eligibility requirements and benefit availability may vary by property. Marriott Bonvoy Gold Elite status benefits may be combined with the American Express Fine Hotels + Resorts program. Not all Marriott International brand properties participate in the Marriott Bonvoy program. Reservations booked through third parties and online booking services are not eligible to earn Marriott Bonvoy points, miles or Gold Elite Status benefits. All Marriott Bonvoy program terms and conditions apply; for complete terms and conditions, visit www.marriottbonvoy.com/terms . American Express reserves the right to instruct Marriott Bonvoy to remove Gold Elite status if the Card Member ceases to be a Platinum Card Member or their account is cancelled or past due. To be eligible for this Gold Elite status benefit, Card Account(s) must not be cancelled and you must remain in good standing with Marriott Bonvoy. If your Card has been replaced, please check the Benefits section of your americanexpress.com account, mobile app or call the number on the back of your Card to confirm your continued enrollment in the Gold Elite status benefit. If American Express, in its sole discretion, determines that you have engaged in or intend to engage in any manner of abuse, misuse, or gaming in connection with this the Gold Elite status benefit in any way, American Express may remove access to this benefit from the Account. For additional information, call the number on the back of your Card.

Car Rental Privileges Show Details Hide Details

Consumer Platinum Card® Members, Corporate Platinum Card® Members and Business Platinum Card® Members are eligible to receive complimentary status in the following programs: Avis Preferred®, Hertz Gold Plus Rewards®, and/or National Car Rental® Emerald Club. Additional Platinum Card Members on Consumer and Business Platinum Accounts are also eligible for this benefit. Companion Platinum Cards® on Consumer Platinum Card Accounts and Additional Gold and Additional Business Expense Cards on Business Platinum Card Accounts are not eligible to receive this benefit. Benefits provided to Platinum Card Members are subject to each car rental company’s terms and conditions, including age restrictions, and require enrollment in each car rental program through your American Express online account to receive benefits. Payment must be made using the Platinum Card. Platinum Card Members are required to enroll in Avis Preferred, Hertz Gold Plus Rewards and National Emerald Club memberships to receive the car rental program benefits. Hertz Gold Plus Rewards® is a registered trademark of Hertz System, Inc. Minimum rental age is 25 (exceptions apply). Minimum age to join Hertz Gold Plus Rewards is 21. Standard rental terms and conditions apply. National collects Frequent Flyer Tax Recoupment Surcharge to cover the federal tax on the cost of the miles awarded at the time of rental. Discount applies to base rate only. Taxes (including GST), other governmentally authorized or imposed surcharges, license recoupment/air tax recovery and concession recoupment fees, airport and airport facility fees, fuel, additional driver fee, one-way rental charge, and optional items are extra. Renter must meet applicable age, driver, and credit requirements. Advance reservation required. May not be combined with other discounts. Availability is limited. Subject to change without notice. Blackout dates may apply. National’s Emerald Club and Hertz Gold Plus Rewards and their services require a signed Master Rental Agreement to be on file. Please note that the Car Rental Privileges program available to Platinum Card Members is a separate program from the Premium Car Rental Protection insurance product offered by American Express Travel Related Services Company, Inc. and underwritten by AMEX Assurance Company. 

To be eligible for this benefit, Card Account(s) must not be canceled or past due. If you have a Card on file with one of the eligible partners, make sure that the most up to date Account information is on file or else you may not receive the benefit. If American Express, in its sole discretion, determines that you have engaged in or intend to engage in any manner of abuse, misuse, or gaming in connection with this benefit in any way, American Express may remove access to this benefit from the Account. For additional information, call the number on the back of your card.

The Global Lounge Collection Show Details Hide Details

The American Express Global Lounge Collection®

U.S Consumer and Business Platinum Card Members and any Additional Platinum Card Members on the Account are eligible for access to the participating lounges in the American Express Global Lounge Collection. Companion Platinum Cards on Consumer Platinum Accounts and Additional Gold and Additional Business Expense Cards on Business Platinum Accounts are not eligible for the Global Lounge Collection benefit. All lounge access is subject to space availability. Each lounge program within the Global Lounge Collection has its own policies and access to any of the participating lounges is subject to the applicable rules and policies. Participating lounges reserve the right to remove any person from the premises for inappropriate behavior or failure to adhere to rules, including, but not limited to, conduct that is disruptive, abusive, or violent. To be eligible for this benefit, Card Account must not be cancelled. Please refer to each program’s terms and conditions to learn more.

The Centurion® Lounge U.S. Platinum Card Members have unlimited complimentary access to all locations of The Centurion Lounge. Companion Platinum Cards on Consumer Platinum Accounts and Additional Gold and Additional Business Expense Cards on Business Platinum Accounts are not eligible for access to The Centurion Lounge. All access to The Centurion Lounge is subject to space availability. To access The Centurion Lounge, Platinum Card Members must arrive within 3 hours of their departing flight and present The Centurion Lounge agent with the following upon each visit: their valid Card, a boarding pass showing a confirmed reservation for a departing flight on the same day on any carrier and a government-issued I.D. Note that select lounges allow access to Card Members with a confirmed reservation for any same-day travel (departure or arrival). Refer to the specific location’s access policy for more information. Failure to present this documentation may result in access being denied. Card Members must be at least 18 years of age to enter without a parent or legal guardian. All Centurion Lounge visitors must be of legal drinking age in the jurisdiction where the Lounge is located to consume alcoholic beverages. Please drink responsibly. American Express reserves the right to remove any person from the Lounge for inappropriate behavior or failure to adhere to rules, including, but not limited to, conduct that is disruptive, abusive or violent. Soliciting other Card Members for access into our Lounge is not permissible. Hours may vary by location and are subject to change. Amenities vary among The Centurion Lounge locations and are subject to change. Card Members will not be compensated for changes in locations, rates or policies. In addition to the complimentary services and amenities in the Lounge, certain services, products or amenities may be offered for sale. You are responsible for any purchases and/or servicing charges you make in The Centurion Lounge or authorize our Member Services Professionals to make on your behalf. Services available at the Member Services Desk are based on the type of American Express Card used to enter the Lounge. American Express will not be liable for any articles lost or stolen or damages suffered by visitors to The Centurion Lounge. If we in our sole discretion determine that you have engaged in abuse, misuse, or gaming in connection with Lounge access in any way or that you intend to do so, we may remove access to The Centurion Lounge from the Platinum Account. Use of The Centurion Lounge is subject to all rules and conditions set by American Express. American Express reserves the right to revise the rules at any time without notice.

U.S. Platinum Card Members, U.S. Business Platinum Card Members and Additional U.S. Platinum Card Members on the Account will be charged a $50 fee for each guest (or $30 for children aged 2 through 17, with proof of age) unless they have qualified for Complimentary Guest Access. U.S. Platinum Card and U.S. Business Platinum Card Members may qualify for Complimentary Guest Access for up to two (2) guests per visit to locations of The Centurion Lounge in the U.S., Hong Kong International Airport and London Heathrow Airport (“Complimentary Guest Access”), after spending $75,000 or more on eligible purchases on the Platinum Account in a calendar year. Once effective, Complimentary Guest Access will be available for the remainder of the calendar year in which it became effective, the following calendar year, and until January 31 of the next calendar year (for example, if Complimentary Guest Access became effective on May 1, 2023, it would remain effective until January 31, 2025). Eligible purchases made by any Additional Card Members on the Platinum Account will contribute to the purchase requirement. Complimentary Guest Access is limited to two (2) guests per Card Member per visit, regardless of whether you are eligible for complimentary guest access through multiple Platinum Accounts or through other Amex Cards. Guest access policies may vary internationally by location and are subject to change.

  Eligibility for Complimentary Guest Access will typically be processed within a week of the Platinum Account’s meeting the purchase requirement, but may take up to 12 weeks to become effective. Complimentary Guest Access status will be reflected in the Benefits tab of your online Account and in the American Express App. Eligible purchases to meet the purchase requirement are for goods and services minus returns and other credits. Eligible purchases do NOT include fees or interest charges, cash advances, purchases of travelers checks, purchases or reloading of prepaid cards, purchases of gift cards, person-to-person payments, or other cash equivalents. If a Card Member upgrades or downgrades from a different American Express Card to a Platinum Account, eligible purchases made on that Card Account will count toward meeting the purchase requirement to achieve Complimentary Guest Access on the new Platinum Account. 

Escape Lounges – The Centurion® Studio Partner This benefit is available to U.S. Platinum Card Members. Companion Platinum Cards on Consumer Platinum Accounts and Additional Gold and Additional Business Expense Cards on Business Platinum Accounts are not eligible for access to Escape Lounges – The Centurion® Studio Partner. Card Members receive complimentary access to all US locations of the Escape Lounges. Card Member must present their valid Card, a boarding pass showing a confirmed reservation for same-day travel on any carrier and government-issued I.D. Card Member must be at least 18 years of age to enter without a parent or legal guardian. All Escape Lounge visitors must be of legal drinking age in the jurisdiction where the Lounge is located to consume alcoholic beverages. Please drink responsibly. The eligible flight must be booked on a U.S. issued American Express credit card and Card Members may bring up to two complimentary guests per visit. Card Member must adhere to all house rules of participating lounges. Card Members and their guests will receive all of the complimentary benefits and amenities afforded to the Escape Lounge customers, including access to purchase non-complimentary items. Some product features may be subject to additional charges. Escape Lounge locations are subject to change without notice. Additional restrictions may apply. 

Delta Sky Club

This benefit is available to U.S. Platinum Card Members and Additional Platinum Card Members on the Account (each, an “Eligible Platinum Card Member”). Companion Platinum Cards on Consumer Platinum Accounts and Additional Gold and Additional Business Expense Cards on Business Platinum Accounts are not eligible for the Delta Sky Club benefit. Platinum Card Members must present their valid American Express Card, government-issued I.D., and boarding pass to the Delta Sky Club ambassador. Boarding pass must show a reservation for a same-day Delta-operated flight (Delta or Delta connection) departing from or arriving at the airport in which the Delta Sky Club is located. Name on boarding pass must match name on the Card. Eligible Platinum Card Members on departing flights can only access the Delta Sky Club or the Delta Sky Club “Grab and Go” feature within 3 hours of their flight's scheduled departure time. During a layover between Delta-operated flights on the same ticket, you may use the Delta Sky Club in your connecting airport at any time during the layover. Delta reserves the right to limit access for non-revenue flyers at any Delta Sky Club. Individuals must be at least 18 years of age to access Delta Sky Club, and 21 years of age to access locations with a self-service bar, unless accompanied by a responsible, supervising adult who has access to the Delta Sky Club. Benefit valid only at Delta Sky Club. Partner lounges are not included. Note that amenities may vary among Delta Sky Club locations. Participating airport clubs and locations subject to change without notice. Eligible Platinum Card Members may bring guests into the Delta Sky Club subject to the most current Delta Sky Club access and pricing policies and must use their valid Platinum Card as the payment method for guest access. Guests also must be flying on a same-day Delta-operated flight. Guest access and fees subject to terms and conditions of participating airport clubs. Access is subject to Delta Sky Club rules. To review the rules, please visit  delta.com/skyclub . Benefit and rules subject to change without notice. Additional restrictions may apply.

Effective January 1, 2024:  Eligible Platinum Card Members traveling on a same-day Delta-operated flight with Basic Economy (E) fare tickets will not have access to the Delta Sky Club or to Grab and Go.  

Effective September 14, 2023 through January 31, 2025:  Eligible Platinum Card Members receive complimentary access to the Delta Sky Club or to Grab and Go when traveling on a same-day Delta-operated flight. Eligible Platinum Card Members may bring either up to two guests, or their immediate family (spouse/domestic partner and children under 21) to the Club at a per-visit rate of $50 per person, per location or to Grab and Go at a per-visit rate of $25 per person, per location. The Eligible Platinum Card must be used as the payment method to purchase guest access. Guests must also be flying on a same-day Delta-operated flight. Children under 2 years of age may accompany the Eligible Platinum Card Member for free.

Effective February 1, 2025:  Eligible Platinum Card Members will receive 10 Visits per Eligible Platinum Card per year to the Delta Sky Club or to Grab and Go when traveling on a same-day Delta-operated flight. Visits are non-transferable and may only be used by the Eligible Platinum Card Member. Visits issued from February 1, 2025 through January 31, 2026 will expire on January 31, 2026, and Visits issued in subsequent years will expire on January 31 of each calendar year thereafter. 

A “Visit” is an entry to one or more Delta Sky Clubs or usage of the Delta Sky Club “Grab and Go” feature, at one or more airports, for a period of up to 24 hours starting upon the first Delta Sky Club entry or Grab and Go usage, during an Eligible Platinum Card Member’s travel on a same-day Delta-operated flight. A single Visit permits usage of Delta Sky Club(s) in multiple airports during the 24-hour period. For example, if you visit a Delta Sky Club in different airports on a trip, entry into one or more of these Clubs will be considered part of the same Visit as long as these additional entries occur within 24 hours of the first Delta Sky Club entry. If travel exceeds 24 hours from the first Delta Sky Club, then a second Visit will be deducted if entering the Delta Sky Club or using Grab and Go more than 24 hours after the first entry. Eligible Platinum Card Members may not access the Club or a Grab and Go location in the three hours from the time of previous Grab and Go usage at the same airport. Once all 10 Visits have been used, Eligible Card Members may purchase additional Delta Sky Club Visits (including Grab and Go) at a per-Visit rate of $50 per person. Visits cannot be used for guest entry. During a Visit, Eligible Platinum Card Members may bring either up to two (2) guests, or their immediate family (spouse/domestic partner and children under 21) to the Club (including Grab and Go) at a per-Visit rate of $50 per person. The Eligible Platinum Card must be used as the payment method to purchase Card Member and guest access. Guests must also be flying on a same-day Delta-operated flight and be accompanied by the Eligible Platinum Card Member. Children under 2 years of age may accompany the Eligible Platinum Card Member for free.

To earn an unlimited number of Visits (“Unlimited Delta Sky Club Access”) starting on February 1, 2025, the total eligible purchases on the Eligible Platinum Card Account must equal or exceed $75,000 (the “Purchase Requirement”) between January 1, 2024 and December 31, 2024 and in each calendar year thereafter. Unlimited Delta Sky Club Access will be provided to all Eligible Platinum Card Members once the Account has reached the Purchase Requirement. Companion Platinum Cards on Consumer Platinum Accounts and Additional Gold and Additional Business Expense Cards on Business Platinum Accounts are not eligible for the Unlimited Delta Sky Club Access benefit. All entry requirements set forth above will continue to apply with respect to Unlimited Delta Sky Club Access.

Unlimited Delta Sky Club Access will be processed within a week of the Eligible Platinum Card Account’s satisfying the Purchase Requirement in most instances but may take up to 12 weeks to become effective. Once effective, Unlimited Delta Sky Club Access will be available for the remainder of the calendar year in which it became effective, the following calendar year and through January 31 of the next calendar year (for example, if Unlimited Delta Sky Club Access becomes effective on May 1, 2025, it will remain effective through January 31, 2027). Eligible purchases made by any Additional Card Members on the Eligible Platinum Card Account will contribute to the Purchase Requirement. Eligible purchases to meet the Purchase Requirement are for goods and services minus returns and other credits. Eligible purchases do NOT include fees, interest charges, cash advances, purchases of travelers’ checks, purchases or reloading of prepaid cards, purchases of gift cards, person-to-person payments, or other cash equivalents. If a Card Member upgrades or downgrades from a different American Express Card to an Eligible Platinum Card, eligible purchases made on the prior Card Account will count toward the Purchase Requirement. Delta reserves the right to revoke Unlimited Delta Sky Club Access if you return, reverse or charge back eligible purchases in a way that reduces your eligible spend below the Purchase Requirement for the calendar year. If Delta and/or American Express determine that you have engaged in abuse, misuse, or gaming in connection with this Delta Sky Club Access Benefit in any way or that you intend to do so, Visits may be deducted from your account and/or Unlimited Delta Sky Club Access revoked.  

This benefit is available to U.S. Platinum Card Members. Companion Platinum Cards on Consumer Platinum Accounts and Additional Gold and Additional Business Expense Cards on Business Platinum Accounts are not eligible for the Lufthansa lounges benefit. Platinum Card Members have complimentary access to select Lufthansa Business Lounges (regardless of ticket class) and Lufthansa Senator Lounges (when flying business class) when flying on a Lufthansa Group flight. To access the Lufthansa lounges, a Platinum Card Member must present their valid Platinum Card, a government issued I.D., and a same-day departure boarding pass showing confirmed reservation on a Lufthansa Group flight (Lufthansa, SWISS and Austrian airlines). Card Members must adhere to all rules of participating lounges. Participating lounges and locations subject to change without notice. Additional guest access and fees subject to terms and conditions of participating lounges. In some Lounges the Platinum Card Member must be at least 18 years of age to enter without a parent or guardian. Must be of legal drinking age to consume alcoholic beverages. Please drink responsibly. For the most current list of Lufthansa lounges, guest access requirements, rules, and pricing policy, please visit  https://www.lufthansa.com/de/en/lounges .

Plaza Premium Lounges This benefit is available to U.S. Platinum Card Members. Companion Platinum Cards on Consumer Platinum Accounts and Additional Gold and Additional Business Expense Cards on Business Platinum Accounts are not eligible for the Plaza Premium Lounges benefit. Card Members receive complimentary access to any global location of Plaza Premium Lounges. To access Plaza Premium Lounges, Card Member must present their valid Card, a boarding pass showing a confirmed reservation for same-day travel on any carrier and government-issued I.D. In some cases, Card Member must be 21 years of age to enter without a parent or guardian. Card Members may bring up to two (2) companions into Plaza Premium Lounges as complimentary guests. Must be of legal drinking age to consume alcohol. Please drink responsibly. Card Member must adhere to all house rules of participating lounges. Card Members and their guests will receive all of the complimentary benefits and amenities afforded to the Plaza Premium Lounge customers, as well as access to purchase non-complimentary items. Some product features may be subject to additional charges. Plaza Premium Lounge locations are subject to change.

Priority Pass Select This benefit is available to U.S. Platinum Card Members. Platinum Card Members and Additional Platinum Card Members must enroll in the Priority Pass™ Select program through the benefits section of their americanexpress.com account or by calling the number on the back of their Card to receive the benefit. Companion Platinum Cards on Consumer Platinum Accounts and Additional Gold and Additional Business Expense Cards on Business Platinum Accounts are not eligible for the Priority Pass Select benefit. Priority Pass is an independent airport lounge access program. You acknowledge and agree that American Express will verify your Card Account number and provide updated Card Account information to Priority Pass. Priority Pass will use this information to fulfill on the Priority Pass Select program and may use this information for marketing related to the program. Once enrolled, Platinum Card Members with a valid Card Account may access participating Priority Pass Select lounges by presenting their Priority Pass Select card and airline boarding pass. If the Card Account is canceled, you will not be eligible for Priority Pass Select and your enrollment will be canceled. When visiting a Priority Pass Select lounge that admits guests, Platinum Card Members receive complimentary access for up to two accompanying guests. After two guests, the Card Account on file with Priority Pass Select will be automatically charged the guest visit fee of the Priority Pass Standard program for each additional guest after you have signed up for the additional guest visit and it has been reported to Priority Pass by the participating lounge. Some lounges limit the number of guests or do not admit guests. In some lounges, Priority Pass Select members must be 21 years of age to enter without a parent or guardian. Priority Pass Select members must adhere to all house rules of participating lounges and access to participating lounges is subject to all rules, terms and conditions of the applicable lounge. Amenities may vary among airport lounge locations. Conference rooms, where available, may be reserved for a nominal fee. Priority Pass Select lounge partners and locations are subject to change. All Priority Pass Select members must adhere to the Priority Pass Conditions of Use, which will be sent to you with your membership package, and can be viewed at  www.prioritypass.com . Upon receipt of your enrollment information, Priority Pass will send your Priority Pass Select card and membership package which you should receive within 10–14 business days. If you have not received the Priority Pass card after 14 days, please contact American Express using the number on the back of your American Express® Card. To receive immediate access to lounges after your enrollment in Priority Pass Select has been processed, you can activate your membership online by using your Priority Pass Select membership details to receive a Digital Membership Card. For a step-by-step guide on the activation process, visit  prioritypass.com/activation .  

Additional Global Lounge Collection Partner Lounges

American Express offers access to additional lounges in the Global Lounge Collection where U.S.Platinum Card Members have unlimited complimentary access to participating locations. Companion Platinum Cards on Consumer Platinum Accounts and Additional Gold and Additional Business Expense Cards on Business Platinum Accounts are not eligible for access to participating locations. Card Members must present their valid Platinum Card, a government-issued I.D., and a boarding pass showing a confirmed reservation for same-day travel on any carrier. Guest access and associated fees are subject to the terms and conditions of the participating lounge provider. Participation, locations, rates, and policies of lounges are subject to change without notice, and Card Members and their guests will not be compensated for such changes. Amenities, services, and hours may vary by participating lounge and are subject to change without notice. American Express and the participating lounge will not be liable for any articles lost or stolen, or damages suffered by the Card Member or guests inside the participating lounge. For participating lounges with a self-service bar, the Card Member may be required to be of legal drinking age in the participating lounge jurisdiction to enter without a parent or legal guardian. All Card Members and their guests must be of legal drinking age to consume alcoholic beverages. Please drink responsibly. Each participating lounge may have their own policy allowing for children under a certain age to enter for free with the Card Member who is a parent or legal guardian. Card Member must adhere to all house rules of participating lounges. If American Express, in its sole discretion, determines that the Card Member or their guests have engaged in abuse, misuse, or gaming in connection with access to participating lounges in any way, or that the Card Member or their guests intend to do so, we may remove access to the Additional Lounges from the Account. American Express and the participating lounge reserve the right to revise the rules at any time without notice. For the most current list of participating lounges and access requirements, please use the Lounge Finder feature in the American Express App or visit  www.americanexpress.com/findalounge .

Global Dining Access by Resy Show Details Hide Details

The Global Dining Access program (“GDA”) is a benefit available to eligible Card Members. “Eligible Card Members” are account holders of Platinum Card ® or Centurion ® Card from American Express, Business Platinum Card ® , Business Centurion ® Card from American Express, Corporate Platinum Card ® or Corporate Centurion ® Card from American Express, Delta SkyMiles ® Reserve American Express Card, Delta SkyMiles ® Reserve Business American Express Card, Hilton Honors American Express Aspire Card, The Platinum Card ® from American Express Exclusively for Morgan Stanley, The Platinum Card ® from American Express Exclusively for Charles Schwab, The Platinum Card ® from American Express for Goldman Sachs, and The Centurion ® Card from American Express for Goldman Sachs (and any Additional Card Member(s) on their accounts). GDA may not be available for Cards issued from some countries. GDA provides eligible Card Members with (a) access to exclusive reservations, (b) Priority Notify, which allows GDA members to set notifications to be in the first group notified when tables become available before they are made available to other Resy users, and (c) access to exclusive events. GDA reservations are accessible through the Resy iOS App and Website (“Resy Sites”) and Concierge. Some features of GDA, like Priority Notify, may not be available through Concierge. To access this benefit through the Resy iOS App, you must download the Resy App; or if you already have the Resy iOS App, ensure the latest update is downloaded. When using the Resy Sites, create a Resy account or log into your existing Resy account and add your eligible Card to your Resy account. If you are assigned a new Card number, you must update the Card number in your Resy account. When you use GDA, a badge will be placed on your Resy profile, letting restaurants know that you are a member of the GDA program. Reservations are based on a first-come, first-served basis. In the event of a reservation cancellation, you will be subject to the restaurant’s cancellation policy. Generally, same-day reservations that are not booked by GDA members are released back to restaurants at certain times of day that vary across restaurant policies. American Express and Resy make no representations or warranties regarding the availability of reservations, events, and/or experiences, which shall at all times be subject to availability and the discretion of the applicable restaurant. American Express and Resy are not responsible for informing the restaurants of any dietary restrictions or for a restaurant being able to accommodate such restrictions. There is no cost to you for booking services through GDA, although you are responsible for any purchases or fees you authorize to be charged to your Card account. GDA reservations and events are intended for personal use only and cannot be resold or used for commercial purposes. By participating in the GDA program, you are accepting these GDA terms and conditions, which are in addition to and do not replace the Resy Sites’ Terms of Service. To be eligible for this benefit, your Card account must not be cancelled.

$200 Uber Cash Show Details Hide Details

Basic Card Members on a Consumer Platinum Card or Centurion account and Additional Centurion Card Members are eligible for Uber VIP and the monthly Amex Benefit (“Amex Benefit”). To receive this benefit, you must have downloaded the latest version of the Uber App and your eligible Platinum Card or Centurion Card must be a method of payment in your Uber account. The Amex Benefit may only be used in the United States.

To be eligible for the Amex Benefit, your Card Account must not be canceled or past due. American Express reserves the right to suspend your eligibility for the Amex Benefit if we suspect any violation or abuse. To continue to receive the Amex Benefit, the details for your eligible Card must be kept up to date in your Uber Account. Cards added to your Uber account through a third party such as Apple Pay or PayPal will not be eligible. An eligible Platinum Card or Centurion Card may receive the Amex Benefit on one Uber account. If the same Card is added to multiple Uber accounts, only the first Uber account to which the Card is added will receive the Amex Benefit. If your American Express Card details change, you will need to make required updates to your Card details in your Uber payment profile before the end of the current month to ensure you remain enrolled in the Amex Benefit. If you do not update your Card details prior to the first day of the following month, you may need to re-enroll to continue to receive your Amex benefit. It may take up to 48 hours for the Amex Benefit to become available in your Uber account after your eligible Card has been added to that account. Uber VIP is available in select cities and is governed by Uber’s terms and conditions.

The Amex Benefit is found within your Uber Cash balance. In order to use the Amex Benefit, Uber Cash must be turned on. If Uber Cash is turned on when you request a ride, Uber Cash will appear above the confirmation button. If Uber Cash does not appear above the confirmation button, tap on the current payment option and turn on Uber Cash. If you do not see the Amex Benefit in your Uber Cash balance within 48 hours from the time you enroll, call the number on the back of your Card for assistance.

The Amex Benefit may be applied to all vehicle types with Uber, orders on Uber Eats and to any other services to which Uber permits Uber Cash to be applied. If your Uber Cash balance does not satisfy the cost of your ride or order, the primary payment method on your Uber account will be charged for the difference.

The Amex Benefit will not apply to previous Uber transactions and cannot be used when paying with an UberFAMILY profile. New and existing Uber users are eligible. Uber will apply the Amex Benefit at the point of sale and it will be displayed on your emailed receipt. There is no limit to the number of transactions you may apply your Amex Benefit to each month, up to a total of $15 per month (up to a total of $35 in December).

Your monthly Amex Benefit expires at 11:59 PM Hawaii Standard Time on the last day of each calendar month. Unused balance in Uber Cash from your Amex Benefit will not carry over to the following month. Your Amex Benefit will be applied for the month in which the transaction is completed. If a transaction is eligible for another promotion that you have added to your Uber account, the promotion will be applied before your Amex Benefit. Certain other types of balances in Uber Cash may be applied to the cost of your ride or order prior to your Amex Benefit in Uber Cash. For purposes of fulfilling this benefit, American Express will share with Uber certain information about your Card, including the Card type, and updated Card information from time to time. If you do not wish to receive the Amex Benefit, please call the number on the back of your Card. If you do not see the Amex Benefit in your Uber Cash balance by 5:00 PM Hawaii Standard Time on the first day of each calendar month, call the number on the back of your Card for assistance.

$189 CLEAR Plus Credit Show Details Hide Details

Basic Card Members can earn up to $189 in statement credits per calendar year when the Platinum Card or Additional Cards on the Account are used to pay for an annual CLEAR Plus membership. Enrollment in CLEAR Plus is required and is subject to CLEAR’s terms and conditions. CLEAR Plus memberships automatically renew each year unless canceled and CLEAR will charge the applicable membership fee to the Card CLEAR has on file. American Express has no control over the application and/or approval process for CLEAR, and does not have access to any information provided to CLEAR by the Card Member or by CLEAR to the Card Member. American Express has no liability regarding the CLEAR program. If a Card Member's application is not approved by CLEAR, CLEAR will refund the charges. If the statement credit benefit has been applied before CLEAR refunds the charges, that statement credit will be reversed. Purchases by both the Basic Card Member and any Additional Card Members on the Card Account are eligible for statement credits. However, the total amount of statement credits for eligible purchases will not exceed $189 across all Cards on the Account per calendar year. For additional information on the CLEAR program, including information regarding membership, eligibility, and for a list of participating locations, as well as the full terms and conditions of the program, please go to www.clearme.com . The CLEAR program is subject to change, and American Express has no control over those changes. Please allow up to 6-8 weeks after a qualifying CLEAR transaction is charged to the Card Account for the statement credit to be posted to the Account. American Express relies on accurate transaction data to identify eligible CLEAR Plus purchases. If you do not see a credit for a qualifying purchase on your eligible Card after 8 weeks, please call the number on the back of your Card. Card Members remain responsible for timely payment of all CLEAR charges. If you are assigned a new Card number or have a Card number on file with CLEAR that is outdated (for example, if you replace your Card or if your Card has expired), you must update your Card information on file with CLEAR to help ensure that statement credits are received for eligible CLEAR Plus membership fees. To be eligible for this benefit, the Card Account must not be cancelled or past due at the time of statement credit fulfillment. If a charge for an eligible purchase is included in a Pay Over Time feature balance on your Card Account, the statement credit associated with that charge may not be applied to that Pay Over Time feature balance. Instead, the statement credit may be applied to your Pay In Full balance. For additional information, call the number on the back of your Card.

$200 Airline Fee Credit Show Details Hide Details

Enrollment through American Express is required to receive the benefit. Basic Card Members on U.S. Consumer and Corporate Platinum Card Accounts can enroll in the benefit by making their airline selection in the Benefits section of their americanexpress.com online account or by calling us. Enrolled Basic Card Members on U.S. Consumer Platinum and U.S. Corporate Platinum Card Accounts are eligible to receive up to $200 in statement credits per calendar year for incidental airline fees charged by their one selected qualifying airline to the enrolled Card Account. Purchases by both the Basic Card Member and Additional Card Members on the enrolled Card Account are eligible for statement credits. However, the total amount of statement credits will not exceed $200 per calendar year, per Card Account. To receive statement credits, the Basic Card Member must select one qualifying airline through their American Express Online Account or the link for their Card below:

• American Express Platinum Card ®
• Goldman Sachs Platinum Card ®
• Morgan Stanley Platinum Card ®
• Charles Schwab Platinum Card ®
• American Express Corporate Platinum Card ®

Qualifying airlines include Alaska Airlines, American Airlines, Delta Airlines, Hawaiian Airlines, JetBlue Airways, Spirit Airlines, Southwest Airlines, and United Airlines, and are subject to change. Only the Basic Card Member or Authorized Account Manager(s) on the Card Account can select the qualifying airline. Card Members who have not chosen one qualifying airline will be able to do so at any time. Card Members who have already selected one qualifying airline will be able to change their choice one time each year in January through their American Express Online Account or by calling the number on the back of the Card. Card Members who do not change their airline selection will remain with their current airline. Incidental airline fees must be separate charges from airline ticket charges. Fees not charged by the Card Member’s selected airline (e.g. wireless internet and fees incurred with airline alliance partners) do not qualify for statement credits. Incidental airline fees charged prior to selection of a qualifying airline are not eligible for statement credits. Airline tickets, upgrades, mileage points purchases, mileage points transfer fees, gift cards, duty free purchases, and award tickets are not deemed to be incidental fees. The airline must submit the charge under the appropriate merchant code, industry code, or required service or product identifier for the charge to be recognized as an incidental air travel fee.

Please allow 6-8 weeks after the qualifying incidental air travel fee is charged to your Card Account for statement credit(s) to be posted to the Account. American Express relies on airlines to submit the correct information on airline transactions, so please call the number on the back of the Card if statement credits have not posted after 8 weeks from the date of purchase. Card Members remain responsible for timely payment of all charges. Statement credits may be reversed if an eligible purchase is returned/cancelled. To be eligible for this benefit, Card Account(s) must be not canceled and not past due at the time of statement credit fulfillment. If American Express, in its sole discretion, determines that you have engaged in or intend to engage in any manner of abuse, misuse, or gaming in connection with this benefit, American Express will not have an obligation to provide statement credits and may reverse any statement credits provided to you. If a charge for an eligible purchase is included in a Pay Over Time feature balance on your Card Account, the statement credit associated with that charge may not be applied to that Pay Over Time feature balance. Instead, the statement credit may be applied to your Pay In Full balance. For additional information, call the number on the back of your Card.

Amex rental car insurance: Get added protection for road trips and adventures

B esides generous rewards, the best credit cards offer several valuable perks to benefit cardholders. One of these perks is rental car insurance, which helps protect you when you use your credit card to rent a car. Several card issuers, including American Express, provide a rental car insurance benefit.

If you’re an Amex cardholder, here’s what to know about its rental car insurance, how it protects you, and how to file a claim.

What is the American Express rental car insurance policy?

American Express provides secondary rental car coverage as a complimentary benefit with many of its credit cards. This coverage serves as a backup to your primary insurance coverage when you use your card to rent a car and decline the rental car company’s collision damage waiver (CDW). 

“Generally, your personal auto insurance would need to be utilized first before submitting a claim with the insurance provided through your credit card,” says Kim Chambers, Product Manager, Credit Cards for Georgia's Own Credit Union . “The major benefit of secondary coverage is it often covers the deductible for your primary insurance.” 

Your credit card rental car insurance can also help cover the gap if another driver hits your rental car and the cost of the repairs exceeds your primary insurance policy’s limits. Certain premium Amex cards, like the The Platinum Card® from American Express, provide additional insurance coverage beyond coverage for damage or theft.

In addition to the secondary coverage benefit with many of its cards, Amex offers optional premium rental car coverage for a flat rate. This coverage also protects your rental if it's damaged or stolen, but it serves as primary instead of secondary coverage. This means you’d file a claim with Amex for damage or theft before contacting your personal insurance. While Amex’s premium coverage comes at a cost, you won’t pay a deductible before it kicks in. 

What is covered?

The complimentary coverage benefits you receive as an Amex cardholder will vary depending on your card. Most cards offer protection against theft or damage, though some may provide additional coverage, such as accidental injury or accidental death and dismemberment insurance.

Besides protecting your rental car if it’s damaged or stolen, premium rental car coverage from American Express provides these additional protections for drivers and passengers.

• Secondary medical coverage
• Secondary personal property coverage
• Accidental death and dismemberment coverage

“There are limitations to be aware of with credit card rental car insurance,” warns Stuart Winchester, founder and CEO of digital insurance wallet Marble . “The amount of coverage may not be sufficient, and you might not be covered everywhere you travel. It’s important to read the fine print to understand potential exclusions.” 

Note that neither the standard rental car insurance nor the premium insurance provides liability coverage, which protects you if another driver or their passengers are injured or another vehicle is damaged due to an accident you cause.

Who does the policy cover?

Coverage varies slightly by card, but it applies to the following drivers in most cases. Certain cards, like the The Platinum Card® from American Express, also offer protections for passengers.

• The cardholder’s spouse or partner
• Authorized drivers on the rental contract

Amex rental car insurance pricing

As mentioned, American Express offers complimentary rental car insurance with many of its cards. You won’t pay anything out of pocket for this secondary coverage. But if you opt for its premium car rental coverage, you’ll pay a flat rate of $12.25 to $24.95 per rental period, depending on your coverage level. 

Amex rental car insurance coverage levels

• Complimentary coverage: Up to $50,000 or $75,000 for theft or damage, depending on the card. Certain cards also provide additional accidental death and dismemberment, accidental injury, and car rental personal property coverage.
• Premium coverage : Up to $100,000 for theft, damage, accidental death and dismemberment coverage; up to $15,000 for secondary medical expenses; and up to $5,000 in secondary personal property coverage.

Which Amex cards include car rental insurance? 

Over 60 American Express cards include car rental insurance, but coverage amounts vary by card. For example, the The Platinum Card® from American Express offers up to $75,000 in coverage for damage or theft of a rental car. By comparison, the American Express® Green Card has $50,000 worth of theft and damage coverage. 

To view rates and fees of The Platinum Card® from American Express, see  this page .

To view rates and fees of Marriott Bonvoy Brilliant® American Express® Card , see  this page .

To view rates and fees of American Express® Gold Card, see  this page .

To view rates and fees of Blue Cash Everyday® Card, see  this page .

How do I file a claim?

Amex cards come with secondary rental car insurance, meaning you must first file a claim with your personal insurance company if your rental car is damaged or stolen. That said, primary coverage is available for an added cost with Amex premium rental car insurance. 

You can file a claim with American Express after a qualifying incident online or by calling 1-800-338-1670. Be prepared to provide copies of the following as part of the process:

• Rental agreement
• Police reports
• Insurance coverage information
• Relevant repair bills or receipts

Amex generally takes about 45 days to process claims, and you can check on your claim’s status anytime online or by calling (800) 338-1670. 

The takeaway 

Amex has two rental car insurance options for cardholders: secondary coverage, a free perk with many of its cards, and optional primary coverage available for a fee. The secondary coverage benefits will vary depending on your card, with premium cards like the Platinum Card® from American Express offering more comprehensive coverage. 

But both its secondary and primary rental car coverage provide valuable protection. The secondary coverage available to cardholders can reimburse you for the deductible on your primary insurance, as well as any costs exceeding your personal policy limits. If you opt for its primary coverage for a fee, you’ll get up to $100,000 in theft and damage insurance, plus other coverages for added protection.

Please note that card details are accurate as of the publish date, but are subject to change at any time at the discretion of the issuer. Please contact the card issuer to verify rates, fees, and benefits before applying.

Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.

Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.

This story was originally featured on Fortune.com

I'm a financial planner, and I'd recommend annual travel insurance to anyone who loves to travel abroad

Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate insurance products to write unbiased product reviews.

• Frequent and spontaneous travelers will likely benefit from annual travel insurance policies.
• Your credit card may come with some travel protections, but it may not be enough.
• When choosing a policy, look at what it covers, not just what's cheapest.

Summer is just a few months away — and if you're planning a vacation this year, the last thing you want is an unexpected event to derail your plans (and cost you hundreds).

Flights get delayed or canceled constantly. Luggage disappears into the ether. Medical emergencies occur in remote destinations. Yet many jetsetters simply cross their fingers and hope for the best rather than prepare for the worst.

That's why, as a financial planner, I believe it's crucial to consider protecting your trips with the right insurance coverage. One option often overlooked, particularly by frequent travelers, is annual travel insurance .

Annual travel insurance covers all your trips within 365 days. Unlike stand-alone travel insurance, which only covers you for a specific trip, an annual policy covers any trips you take within the year.

That's why I tell clients who travel frequently that an annual policy is a good choice for their needs. By opting for an annual plan, you don't have to go through the hassle of booking multiple policies and potentially save money compared to purchasing individual trip coverage. Here's how it works.

What to look for in a policy

While specifics may vary depending on the insurer and plan tier, most include the following key benefits:

• Trip cancellations or interruptions: You may be able to get reimbursed for expenses (even nonrefundable ones!) related to an illness, injury, or natural disaster that forced you to cancel or cut your trip short.
• Emergency medical and dental care: If you fall ill or get injured while traveling, your insurance can help cover the cost of medical treatment.
• Emergency evacuation: In a serious medical emergency or security situation, your policy will arrange and pay for transportation to a hospital or back to your home country.
• Lost, delayed, or damaged baggage: If your luggage is lost, delayed, or damaged during your trip, you can get financial coverage for essential items while you wait for your stuff to be recovered or replaced.
• Trip delays and missed connections: When your travel plans are disrupted due to issues like mechanical problems or severe weather, you may get reimbursement for additional expenses incurred, like meals, lodging, and transportation.

It's important to note that annual travel insurance plans have limitations. Certain high-risk activities, pre-existing medical conditions, and travel to specific regions may be restricted or require additional coverage.

Some travelers may assume that their credit card's built-in travel protections are enough. While many travel rewards credit cards offer perks like rental car insurance, trip cancellation, and baggage reimbursement, the coverage limits are often much lower than a dedicated annual travel insurance plan.

Credit card coverage for emergency medical care is also particularly limited — capped at a few thousand dollars — which may not be enough in the face of a major international medical emergency.

How much travel justifies an annual plan?

For the occasional traveler who takes one or two trips a year, single-trip policies will probably work for you. But if you fall into any of these buckets, you may want to consider an annual policy:

• Regular international travelers (three or more trips abroad yearly)
• Road warriors frequently away for work
• Adventurers engaging in high-risk activities like heli-skiing, scuba diving, or mountain climbing
• Cruisers and tour group travelers
• Students or retirees taking extended trips throughout the year
• Those visiting developing countries with limited medical care

Annual plans cover all of your trips within a 365-day period after purchasing. They're basically a bundle of multiple policies into one package deal. This means you only have to buy one policy to manage, locking in your coverage for the year.

How to decide if an annual policy makes sense for you

Start by reviewing your travel plans this year — and your risk tolerance. Calculate how much buying individual travel insurance policies would cost you over the next year and compare it to the price of an annual plan.

Don't just focus on the premium — carefully evaluate coverage limits, exclusions, and deductibles to ensure you have enough protection for your needs.

An annual policy gives you the flexibility to take spontaneous trips without the hassle of obtaining last-minute insurance. More importantly, it provides peace of mind, knowing that you're covered for a wide range of travel disruptions and emergencies.

As the busy summer travel season ramps up, definitely explore protecting your trips with insurance, especially if you're jetting off internationally. Spending hours on the phone trying to rebook canceled flights or worrying about affording an overseas medical emergency is no way to vacation.

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How American Express Cruise Benefits Work

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American Express offers exclusive benefits when you book a cruise through its AmEx Cruise Privileges program.

As a cardholder of The Platinum Card® from American Express or The Business Platinum Card® from American Express , you'll receive credits and amenities to enjoy during your trip. Terms apply.

Learn more about these benefits, how to use them and how to maximize rewards on your next cruise vacation.

American Express Cruise Privileges program

American Express cardholders earn rewards and benefits when booking travel through the AmEx Travel portal . The Amex Cruise Privileges program offers exclusive benefits for American Express Platinum members with participating cruise lines.

Offers include complimentary land packages and onboard credits. Additionally, all eligible American Express cards that earn Membership Rewards receive 2x points when booking cruises through AmEx Travel.

Terms apply.

» Learn more: The best ways to book a cruise

AmEx Platinum cruise benefits

AmEx Platinum cruise benefits vary based on which cruise line you book and the details of your cruise. AmEx cardholders can book online or call AmEx Travel at 866-669-4423 to receive these exclusive benefits.

At the moment, American Express partners with 18 different cruise lines. Each cruise line offers different benefits across a variety of price points, travel dates and selected cabins.

Shipboard credit

As part of the American Express Cruise Privileges program, eligible cardholders receive $100 to $300 of onboard credits per stateroom. These credits are redeemable for dining, spa services and more. They cannot be used for casino charges, gratuities or similar expenses.

The shipboard credits are applied to your final bill at the end of your cruise.

They may be paid in local currency and are subject to foreign currency fluctuations. Any unused portion of your credits is nonrefundable, so travelers should use them fully.

Exclusive amenities that vary by cruise line

In addition to an onboard credit, reservations include exclusive amenities unique to each cruise line. Examples include premium wine, assorted canapés, spa vouchers and behind-the-scenes ship tours.

American Express Royal Caribbean benefits include one bottle of champagne per stateroom, while Regent Seven Seas passengers receive a private gallery tour.

Visit the American Express Platinum cruise deals page to view each program partner's offers.

» Learn more: The best cruise lines

How to receive American Express cruise benefits

To receive your cruise benefits, follow these steps and ensure your reservation meets the requirements.

Call or book online with AmEx Travel

Your reservations must be booked through AmEx Travel online or over the phone. These benefits are unavailable if you book directly with the cruise line or through a third party, like a travel agent or online travel agency.

Cruise must be at least five days and have double-occupancy

The cruise must be at least five days long, and you must be traveling with at least double occupancy in your room.

Onboard credits and other amenities are available for up to three staterooms per eligible card member, per cruise. So, you can share benefits with fellow travelers if you book all of the staterooms together using your eligible credit card.

Cardholder must travel on the cruise

While you can book additional rooms for travel companions, the cardholder paying for the cruise must be on the trip. Otherwise, those on the cruise will not receive the benefits.

Book an eligible room type

Not all staterooms are eligible for Cruise Privileges program benefits. Requirements vary by cruise line, so double-check eligibility before booking your room to avoid disappointment during your trip.

Use an eligible card to pay

To receive benefits AmEx Cruise Privileges program benefits, you must use an eligible American Express card to pay for your trip. Eligible cards from the U.S. include:

The Platinum Card® from American Express .

The Business Platinum Card® from American Express .

The Centurion® Card.

The Business Centurion® Card.

Other cards that offer similar benefits, like the American Express® Gold Card or the Delta SkyMiles® Platinum American Express Card , are not eligible for these benefits.

» Learn more: The best travel credit cards right now

How to maximize rewards and benefits when booking cruises through AmEx Travel

You'll maximize the rewards and benefits available for your cruise vacation by booking your reservation through AmEx Travel.

Earning vs. redeeming points

American Express Platinum travel cruises earn 2x points on cash reservations. Eligible cardholders can also book American Express rewards cruises using points. Cardholders can redeem points for a portion or all of the cruise cost.

The redemption value of 0.7 cents per point is substantially lower than our average valuation of 2.8 cents each . Due to this low valuation, we recommend saving your points for another redemption and paying cash for your cruise.

Compare credits and amenities among cruise lines

With so many participating cruise lines, travelers have many options available. In some cases, the prices are similar among different lines.

Compare onboard credits and amenities offered to find the best value, even if it means paying a little more upfront.

Waived cancellation fees

AmEx Travel does not charge cancellation or change fees if you need to adjust your reservations. However, the cruise line may charge penalties depending on when you booked, where you're traveling, how long the cruise is and other factors.

Generally, these fees increase as you get closer to your departure date. Before booking your cruise, review the cruise line’s change and cancellation policies to understand what fees may apply.

» Learn more: Tips for collecting AmEx Membership Rewards

American Express cruise benefits, recapped

Eligible American Express cardholders receive exclusive perks on participating cruise lines when booking through AmEx Travel. The AmEx Platinum cruise benefits include onboard credits, exclusive amenities and 2x points on the cash portion of your reservation.

American Express partners with 18 different cruise lines, so there's a strong chance that one of them has a special offer for your desired destination.

Before booking, ensure your trip meets the cruise's requirements to qualify for your AmEx Cruise Privileges program benefits.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024 , 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

on Chase's website

1x-5x 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.

on Bank of America's website

1.5x-2x Earn unlimited 2 points for every $1 spent on travel and dining purchases and unlimited 1.5 points for every $1 spent on all other purchases.

60,000 Receive 60,000 online bonus points - a $600 value - after you make at least $4,000 in purchases in the first 90 days of account opening.

Advertiser Disclosure

Many of the credit card offers that appear on this site are from credit card companies from which we receive financial compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). However, the credit card information that we publish has been written and evaluated by experts who know these products inside out. We only recommend products we either use ourselves or endorse. This site does not include all credit card companies or all available credit card offers that are on the market. See our advertising policy here where we list advertisers that we work with, and how we make money. You can also review our credit card rating methodology .

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• Amex Green Card

Full List of Travel Insurance Benefits for the Amex Green Card [2023]

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Why the Amex Green Card Is Worth Considering

Car rental loss and damage insurance, trip delay insurance, baggage insurance plan, clear plus credit, loungebuddy credit, emergency travel assistance, no foreign transaction fees, final thoughts.

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One of the most underestimated cards out there is the American Express ® Green Card , which is actually one of American Express’ first cards. It was the original charge card that was born in 1969, but it has fallen out of favor in recent years due to the meteoric growth of more premium options like the American Express ® Gold Card and The Platinum Card ® from American Express.

In fact, the money-colored card happens to be a good pick if you want travel perks and the ability to earn lots of points, all for a reasonable $150 annual fee.

In this guide, we’ll be walking you through its lesser-known travel insurance benefits that can come in handy if your trip goes awry.

Amex Green Card — Snapshot

American Express ® Green Card

This card can provide a great way to accumulate Membership Rewards points on eligible travel, transit, and at restaurants.

The American Express ® Green Card is an excellent all-around travel rewards card thanks to earning 3x Membership Rewards ® points on eligible travel and transit purchases and at restaurants, access to American Express transfer partners, and a reasonable annual fee.

• 3x points per $1 spent at restaurants worldwide, on all eligible travel purchases, and transit purchases
• Up to $189 per calendar year in statement credits after you pay for a CLEAR ® Plus membership with the Card.
• Up to $100 in statement credits annually when you purchase airport lounge access through LoungeBuddy with the Card.
• Access to American Express transfer partners
• No foreign transaction fees
• $150 annual fee
• No elite benefits like airport lounge access or hotel elite status
• Earn 40,000 Membership Rewards ® Points after you spend $3,000 in eligible purchases on your American Express ® Green Card within the first 6 months of Card Membership.
• Earn 3X Membership Rewards ® points on travel including airfare, hotels, cruises, tours, car rentals, campgrounds, and vacation rentals.
• Earn 3X Membership Rewards ® Points on transit purchases including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways.
• Earn 3X Membership Rewards ® points on eligible purchases at restaurants worldwide, including takeout and delivery in the US.
• $189 CLEAR Plus Credit: Receive up to $189 per calendar year in statement credits when you pay for your CLEAR Plus membership (subject to auto-renewal) with the American Express ® Green Card.
• $100 LoungeBuddy: No airport lounge membership? No problem! Purchase lounge access through the LoungeBuddy app using the American Express ® Green Card and receive up to $100 in statement credits annually.
• Payment Flexibility: When it comes to paying your bill, you have options. You can always pay in full. You also have the flexibility to carry a balance with interest or use Plan It ® to split up large purchases into monthly payments with a fixed fee, up to your Pay Over Time Limit. You may be able to keep spending beyond your limit – you’ll just need to pay for any new purchases in full when your bill is due.
• Trip Delay Insurance: If a round-trip is paid for entirely with your Eligible Card and a covered reason delays your trip more than 12 hours, Trip Delay Insurance can help reimburse certain additional expenses purchased on the same Eligible Card, up to $300 per trip, maximum 2 claims per eligible account per 12 consecutive month period. Terms, conditions and limitations apply. Coverage is provided by New Hampshire Insurance Company, an AIG Company.
• No Foreign Transaction Fees: No matter where you’re traveling, when you use your American Express ® Green Card there are no foreign transaction fees.
• $150 annual fee.
• Terms Apply.

Financial Snapshot

• APR: See Pay Over Time APR
• Foreign Transaction Fees: None

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• Benefits of the Amex Green Card
• Travel Insurance Benefits of the Amex Green
• Amex Green CLEAR Plus Credit
• The Amex Green $100 LoungeBuddy Credit
• Is the Amex Green a Good Card for Frequent Travelers?
• Amex Gold vs Amex Green
• Chase Sapphire Preferred vs Amex Green
• Amex Transfer Partners
• Best American Express Credit Cards
• Best Credit Cards for CLEAR

One of the crucial selling points of the Amex Green card is the ability to earn a valuable welcome bonus offer after meeting reasonable spending requirements within the first few months of being approved for a new account. Make sure to see what the current welcome offer is when applying, as it can change from time to time.

Although it’s not as popular compared to the Amex Gold card or Amex Platinum card , the Amex Green card is actually one of the most powerful Amex cards available for earning travel rewards. That’s because you’ll earn up to 3x Membership Rewards points on many popular spending categories.

The Amex Green card earns Membership Rewards points at the following rate:

• 3x points at restaurants worldwide, including takeout and delivery in the U.S.
• 3x points on travel , including airfare, hotels, cruises, tours, car rentals, and more
• 3x points on transit , including trains, buses, ferries, subways, and more
• 1x points on other purchases

The feature that sets apart the Amex Green card the most from its sister cards like the Amex Gold card and Amex Platinum card is the ability to earn 3x points on travel , which is defined very broadly.

For example, if you book a hotel through Booking.com , pay for a cruise with Norwegian Cruise Line , or order an Uber using your Amex Gold card or Amex Platinum card, you’d only earn 1x points on those purchases. Not so with the Amex Green card — you’ll earn 3x points on those same transactions!

The points earned on the Amex Green card are Membership Rewards points (just like you’d earn with the Amex Gold card and Amex Platinum card), which means you can transfer them to travel partners and book luxury award travel for pennies on the dollar!

If you want to learn more about how to maximize the value of Amex Membership Rewards points, read our guide on the best ways to redeem Membership Rewards points .

The Amex Green card also offers an annual CLEAR Plus membership credit of up to $189 and an annual LoungeBuddy credit of up to $100 to add even more value to your wallet. CLEAR gets you access to expedited security at airports and stadiums around the U.S. while the LoungeBuddy credit can cover the cost of 2 to 3 airport lounge visits a year.

Finally, the Amex Green card offers a number of travel insurance benefits, which we’ll dive into in detail below.

Amex Green Card — Travel Insurance Benefits

With the Amex Green card, you don’t get access to fancy Amex Centurion Lounges or perks like free breakfast and room upgrades when booking through Amex Fine Hotels & Resorts .

But you’ll still get a handful of useful travel protections and benefits that could save you thousands of dollars in the long run (though we hope you won’t ever have to use these benefits because that would mean an unfortunate incident has occurred).

If you tend to rent cars while traveling, you might be surprised to discover that many credit cards offer insurance for your rental car. In this case, the Amex Green card comes with secondary rental car coverage (not to be confused with primary rental car coverage).

Secondary rental car insurance requires you to file a claim with any other insurance policies you have (including the one you use for your main car at home) before any of its coverage can apply.

Also, this particular rental car coverage policy covers rentals of up to 30 consecutive days and insures up to $50,000 per rental.

Premium Protection

With the Amex Green card, you also have the ability to purchase primary rental car coverage through Premium Protection , which comes at a low, fixed price of between $12.25 and $24.95 for the entire rental duration (eligible rentals can be up to 42 total days in length).

There’s no deductible, and this is a per-rental rate, not a per-day rate, which translates to much greater savings over other primary car rental insurance policies. The policy includes accidental death/dismemberment coverage, rental car damage, theft, and loss of use coverage.

Keep in mind that neither of these policies offers liability coverage — so if you are deemed at fault for the incident, you’ll be solely responsible for any costs and damages incurred regardless of whether you purchase Premium Protection or stick with the standard secondary car rental insurance. There’s also no disability coverage or uninsured/under-insured motorist coverage with Premium Protection.

Also, there is no coverage available when renting motor vehicles in these countries:

• New Zealand
• Any other countries subject to comprehensive sanctions administered by the Office of Foreign Assets Control (e.g. Iran, Cuba, etc.)

Filing a Claim

You can file a claim for a covered incident by calling 800-338-1670 within 30 days of the loss or as soon as reasonably possible. You can also file a claim at the American Express Claims Center .

After opening a claim, you’ll be sent additional forms within 15 days of reporting the incident to complete. These claims must be submitted, alongside any required documentation within 60 days after the incident.

Any claims that are fully substantiated will be paid within 30 days after your claim is approved.

Another lovely benefit of the Amex Green card is trip delay insurance, which can cover you in the event that you’ve booked round-trip travel (which can consist of a combination of one-way tickets) entirely on your Amex Green card and there’s a covered delay of more than 12 hours. Coverage is also secondary to any primary coverage you may hold.

This insurance policy covers common carrier tickets, meaning any land, water, or air conveyance operating under a valid license for the transportation of passengers for hire and for which a ticket must be purchased prior to commencing travel.

Commercial airline tickets are eligible, as are high-speed train tickets and even cruises. However, some exclusions include taxis, limousine services, commuter rail or commuter bus lines, personal automobiles, or rental vehicles.

You, eligible family members, and traveling companions can get up to $300 in trip delay coverage towards the purchase of reasonably essential expenses like meals, lodging, toiletries, medication, and other personal use items if your trip is delayed more than 12 hours.

You can be approved for up to 2 trip delay claims every consecutive 12-month period.

Covered losses include:

• A common carrier’s equipment failure
• Inclement weather , which prevents a reasonable and prudent person from traveling or continuing (e.g. severe weather that delays the scheduled arrival or departure of a common carrier)
• Lost or stolen passports or travel documents
• Terrorist action or hijacking

Anything that falls outside of the categorization for covered losses is considered to be an exclusion for trip delay coverage.

For example, if the airline struggles to staff your aircraft with a crew, this would not be grounds for a covered trip delay because it doesn’t fall under the 4 bullet points above.

You can open a claim by calling your Benefits Administrator at 844-933-0648 within 60 days of the covered loss. The representative will provide instructions for submitting a completed claim and any required documentation which must be furnished within 180 days after the date of the covered loss.

Another great travel protection benefit of the Amex Green card is the baggage insurance plan. Simply pay for your common carrier ticket entirely using your Amex Green card (or using Membership Rewards points) to get baggage insurance coverage.

Coverage can apply to the cardmember, cardmember’s spouse or domestic partner, cardmember’s dependent children under 23 years of age, or dependent children because of a handicap condition that occurred before the attainment of the limited age of 23.

With the exception of war, acts of war, service in the armed forces or united auxiliary to it, acts of the customer or government authority, you can be eligible for the replacement cost of baggage and its contents subject to these coverage limits:

There’s also a sub-limit of $250 maximum per covered person per trip for all bags for high-risk items like jewelry, sporting equipment, photographic or electronic equipment, and more.

Lastly, for New York state cardmembers, there’s a maximum limit of $10,000 in aggregate per trip for all covered persons.

Here are the types of property that are excluded from coverage:

• Cash or its equivalent, notes, accounts, bills, currency, deeds, evidence of debt or intangible property, rare stamps or coins
• Credit cards and other travel documents including passports and visas
• Documents and tickets of any kind
• Eyeglasses, sunglasses, and contact lenses
• Food, consumable, and perishable items
• Hearing aids
• Living plants and animals
• Prescription or non-prescription drugs
• Property shipping as freight or shipped prior to the departure date
• Prosthetic devices
• Traveler’s checks and other negotiable instruments including gift certificates, gift cards, gift checks, food stamps

You can file a claim by visiting the A merican Express Online Claim Center or by calling 800-228-6855. You’ll need to provide notice of a claim within 30 days of the loss or as soon as reasonably possible.

Complete the claim form and submit any required or supplemental documentation within 60 days. This includes a list of the items lost, receipts, and other reports.

Approved claims will be paid within 30 days after satisfactory proof of loss evidence has been received.

Travel Benefits

Outside of travel insurance and protection, there are still a number of ways the Amex Green card can help when you’re traveling.

CLEAR uses biometrics to digitally verify your identity and move you through security faster at major airports and stadiums across the U.S.

When you use the Amex Green card to pay for a CLEAR Plus membership, you can receive up to $189 per calendar year in statement credits, which can offset the entire cost of an annual CLEAR Plus membership.

One other valuable benefit of the Amex Green card is the ability to get up to $100 in statement credits every calendar year when you purchase lounge access through LoungeBuddy.

LoungeBuddy allows you to purchase one-time access to hundreds of airport lounges around the world and doesn’t require you to buy any memberships, qualify for elite status, or pay for pricey first class tickets. The $100 credit should cover 2 to 3 lounge visits booked through LoungeBuddy.

If you travel a significant amount and value airport lounge access, you might want to consider getting the Amex Platinum card , as it offers access to over 1,400 different lounge locations worldwide.

With the Amex Green card, you can get 24/7/365 assistance through the Global Assist Hotline, which can point you in the right direction if you’re looking for medical, legal, linguistic, or other urgent needs while traveling more than 100 miles away from home.

You can reach the Global Assist Hotline by calling 800-333-2639. If you’re outside of the U.S., you can call collect at 715-343-7977.

This service is a referral service only, so you’ll be responsible for any out-of-pocket costs incurred.

The Amex Green card does not charge any foreign transaction fees which makes it a great card to use when traveling internationally .

While the Amex Green card may not be as popular as Amex’s other cards, it definitely shouldn’t be written off. The card comes with an impressive rewards structure as well as core travel protections and insurance benefits that can come in handy when your travels are interrupted.

The Amex Green card also earns valuable Membership Rewards points which can be used to book luxury award travel through Amex’s airline and hotel partners.

Finally, the Amex Green card also comes with other benefits like an annual CLEAR Plus credit of up to $189, an annual LoungeBuddy credit of up to $100, no foreign transaction fees, and more!

For the baggage insurance plan benefit of the American Express ® Green Card, baggage insurance plan coverage can be in effect for eligible persons for eligible lost, damaged, or stolen baggage during their travel on a common carrier (e.g. plane, train, ship, or bus) when the entire fare for a common carrier vehicle ticket for the trip (one-way or round-trip) is charged to an eligible account. Coverage can be provided for up to $1,250 for carry-on baggage and up to $500 for checked baggage, in excess of coverage provided by the common carrier (e.g. plane, train, ship, or bus). For New York State residents, there is a $10,000 aggregate maximum limit for all covered persons per covered trip. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

For the car rental loss and damage insurance benefit of the American Express ® Green Card, car rental loss and damage insurance can provide coverage up to $50,000 for theft of or damage to most rental vehicles when you use your eligible card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the commercial car rental company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. geographic restrictions apply. Eligibility and benefit level varies by card. Terms, conditions and limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.

For the global assist hotline benefit of the American Express ® Green Card, you can rely on Global Assist Hotline 24 hours a day / 7 days a week for medical, legal, financial or other select emergency coordination and assistance services while traveling more than 100 miles away from your home. Third-party service costs may be your responsibility. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Card Members are responsible for the costs charged by third-party service providers.

For the trip delay insurance benefit of the American Express ® Green Card, up to $300 per covered trip that is delayed for more than 12 hours; and 2 claims per eligible card per 12 consecutive month period. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

The information regarding the American Express ® Green Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.

For rates and fees of the American Express ® Gold Card, click  here . For rates and fees of The Platinum Card ® from American Express, click here .

Frequently Asked Questions

Does the amex green card come with travel insurance.

Yes! The Amex Green card has trip delay insurance, secondary rental car insurance, baggage insurance, and more. It also earns travel rewards points and has no foreign transaction fees.

What is usually covered by travel insurance?

Amex cards usually offer these core travel insurance perks: secondary rental car coverage, trip delay reimbursement, baggage insurance, and access to the Global Assist Hotline.

Is the Amex Green card hard to get?

Although it’s not a particularly difficult card to get, it’s recommended to have a good credit score of at least 670 before applying for the Amex Green card.

Is Amex Green card better than the Amex Gold card?

In some respects, it is. For example, the Amex Green card has a lower $150 annual fee but earns more bonus points on travel purchases than the Amex Gold card. Just keep in mind that the Amex Gold card is still the better card for purchases at restaurants and at U.S. supermarkets.

Is Amex Green card a metal card?

No, it’s not made from metal. The Amex Green card is actually made of reclaimed plastic from the ocean.

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Travel Insurance

Cheapest travel insurance of April 2024

Mandy Sleight

Heidi Gollub

“Verified by an expert” means that this article has been thoroughly reviewed and evaluated for accuracy.

Updated 9:52 a.m. UTC April 11, 2024

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WorldTrips is the best cheap travel insurance company of 2024 based on our in-depth analysis of the cheapest travel insurance plans. Its Atlas Journey Preferred and Atlas Journey Premier plans offer affordable travel insurance with high limits for emergency medical and evacuation benefits bundled with good coverage for trip delays, travel inconvenience and missed connections.

Cheapest travel insurance of 2024

Why trust our travel insurance experts

Our team of travel insurance experts analyzes hundreds of insurance products and thousands of data points to help you find the best travel insurance for your next trip. We use a data-driven methodology to determine each rating. Advertisers do not influence our editorial content . You can read more about our methodology below.

• 1,855 coverage details evaluated.
• 567 rates reviewed.
• 5 levels of fact-checking.

Best cheap travel insurance

Top-scoring plans

Average cost, medical limit per person, medical evacuation limit per person, why it’s the best.

WorldTrips tops our rating of the cheapest travel insurance with two plans:

• Atlas Journey Preferred is the cheaper travel insurance plan of the two, with $100,000 per person in emergency medical benefits as secondary coverage and an optional upgrade to primary coverage. It’s also our pick for the best travel insurance for cruises .
• Atlas Journey Premier costs a little more but gives you $150,000 in travel medical insurance with primary coverage . This is a good option if health insurance for international travel is a priority.

Pros and cons

• Atlas Journey Preferred is the cheapest of our 5-star travel insurance plans.
• Atlas Journey Premier offers $150,000 in primary medical coverage.
• Both plans have top-notch $1 million per person in medical evacuation coverage.
• Each plan offers travel inconvenience coverage of $750 per person.
• 12 optional upgrades, including destination wedding and rental car damage and theft.
• No non-medical evacuation coverage.

Cheap travel insurance for cruises

Travel insured.

Top-scoring plan

Travel Insured offers cheap travel insurance for cruises and its Worldwide Trip Protector plan gets 4 stars in our rating of the best cruise travel insurance .

• Worldwide Trip Protector offers $1 million in emergency evacuation coverage per person and a rare $150,000 in non-medical evacuation per person. It also has primary coverage for travel medical insurance benefits, which means you won’t have to file medical claims with your health insurance first.
• Cheap trip insurance for cruises.
• Offers a rare $150,000 for non-medical evacuation.
• $500 per person baggage delay benefit only requires a 3-hour delay.
• Optional rental car damage benefit up to $50,000.
• Missed connection benefit of $500 per person only available for cruises and tours.

Best cheap travel insurance for families

Travelex has the best cheap travel insurance for families because kids age 17 are covered by your policy for free when they’re traveling with you.

• Free coverage for children 17 and under on the same policy.
• $2,000 travel delay coverage per person ($250 per day) after 5 hours.
• Hurricane and weather coverage after a common carrier delay of any amount of time.
• Only $50,000 per person emergency medical coverage.
• Baggage delay coverage is only $200 and requires a 12-hour delay.

Best cheap travel insurance for seniors

Evacuation limit per person

Nationwide has the best cheap travel insurance for seniors — its Prime plan gets 4 stars in our best senior travel insurance rating. However, Nationwide’s Cruise Choice plan ranks higher in our best cheap travel insurance rating.

• Cruise Choice has a $500 per person benefit if a cruise itinerary change causes you to miss a prepaid excursion. It also has a missed connections benefit of $1,500 per person after only a 3-hour delay, for cruises or tours. But note that this coverage is secondary coverage to any compensation provided by a common carrier.
• Coverage for cruise itinerary changes, ship-based mechanical breakdowns and covered shipboard service disruptions.
• Non-medical evacuation benefit of $25,000 per person.
• Baggage loss benefits of $2,500 per person.
• Travel medical coverage is secondary.
• Trip cancellation benefit for losing your job requires three years of continuous employment.
• No “cancel for any reason” (CFAR) upgrade available.
• Missed connection coverage of $1,500 per person is only for tours and cruises, after a 3-hour delay.

Best cheap travel insurance for add-on options

AIG offers the best cheap travel insurance for add-on options because the Travel Guard Preferred plan allows you to customize your policy with a host of optional upgrades.

• Travel Guard Preferred upgrades include “cancel for any reason” (CFAR) coverage , rental vehicle damage coverage and bundles that offer additional benefits for adventure sports, travel inconvenience, quarantine, pets, security and weddings. There’s also a medical bundle that increases the travel medical benefit to $100,000 and emergency evacuation to $1 million.
• Bundle upgrades allow you to customize your affordable travel insurance policy.
• Emergency medical and evacuation limits can be doubled with optional upgrade.
• Base travel insurance policy has relatively low medical limits.
• $300 baggage delay benefit requires a 12-hour delay.
• Optional CFAR upgrade only reimburses up to 50% of trip cost.

Best cheap travel insurance for missed connections

TravelSafe has the best cheap travel insurance for missed connections because coverage is not limited to cruises and tours, as it is with many policies.

• Best-in-class $2,500 per person in missed connection coverage.
• $1 million per person in medical evacuation and $25,000 in non-medical evacuation coverage.
• Generous $2,500 per person baggage and personal items loss benefit.
• Most expensive of the best cheap travel insurance plans.
• No “interruption for any reason” coverage available.
• Weak baggage delay coverage of $250 per person after 12 hours.

Cheapest travel insurance comparison

How much does the cheapest travel insurance cost.

The cheapest travel insurance in our rating is $334. This is for a WorldTrips Atlas Journey Preferred travel insurance plan, based on the average of seven quotes for travelers of various ages to international destinations with a range of trip values.  

Factors that determine travel insurance cost

There are several factors that determine the cost of travel insurance, including:

• Age and number of travelers being insured.
• Trip length.
• Total trip cost.
• The travel insurance plan you choose.
• The travel insurance company.
• Any add-ons, features or upgraded benefits you include in the travel insurance plan.

Expert tip: “In general, travelers can expect to pay anywhere from 4% to 10% of their total prepaid, non-refundable trip costs,” said Suzanne Morrow, CEO of InsureMyTrip.

Is buying the cheapest travel insurance a good idea?

Choosing cheaper travel insurance without paying attention to what a plan covers and excludes could leave you underinsured for your trip. Comparing travel insurance plans side-by-side can help ensure you get enough coverage to protect yourself financially in an emergency for the best price. 

For example, compare these two Travelex travel insurance plans:

• Travel Basic is cheaper but it only provides up to $15,000 for emergency medical expense coverage. You’ll also have to pay extra for coverage for children.
• Travel Select will cost you a bit more but it covers up to $50,000 in medical expenses and includes coverage for kids aged 17 and younger traveling with you. It also offers upgrades such additional medical coverage, “cancel for any reason” (CFAR) coverage and an adventure sports rider that may be a good fit for your trip.

Reasons to consider paying more for travel insurance 

Make sure you understand what you’re giving up if you buy the cheapest travel insurance. Here are a few reasons you may consider paying a little extra for better coverage. 

• Emergency medical. The best travel medical insurance offers primary coverage for emergency medical benefits. Travel insurance with primary coverage can cost more than secondary coverage but will save you from having to file a claim with your health insurance company before filing a travel insurance claim.
• Emergency evacuation. If you’re traveling to a remote location or planning a boat excursion on your trip, look at travel insurance with a high medical evacuation insurance limit. If you are injured while traveling, transportation to the nearest adequate medical facility could cost in the tens to hundreds of thousands. It may make sense to pay more for travel insurance with robust emergency evacuation coverage. 
• Flexibility. To maximize your trip flexibility, you might consider upgrading your travel insurance to “ cancel for any reason” (CFAR) coverage . This will increase the cost of your travel insurance but allow you to cancel your trip for any reason — not just those listed in your policy. The catch is that you’ll need to cancel at least 48 hours before your trip and will only be reimbursed 50% or 75% of your trip expenses, depending on the plan. 
• Upgrades. Many travel insurance plans have optional extras like car rental collision and adventure sports (which may otherwise be excluded from coverage). These will cost you extra but may give you the coverage you need. 

How to find the cheapest travel insurance

The best way to find the cheapest travel insurance is to determine what you’re looking for in a travel insurance policy and compare plans that meet your needs.

 “Travel insurance isn’t one-size-fits-all. Every trip is different, and every traveler has different needs, wants and concerns. This is why comparison is key,” said Morrow.

Consider the following factors when comparing cheap travel insurance plans.

• How often you’re traveling. A single-trip policy may be the most cost-effective if you’re only going on a single trip this year. But a multi-trip travel insurance plan may be cheaper if you’re going on multiple international trips throughout the year. Annual travel insurance policies cover you for a whole year as long as each trip doesn’t exceed a certain number of days, usually 30 to 90 days. 
• Credit card has travel insurance benefits. The best credit cards offer perks and benefits, and many offer travel insurance-specific benefits. The coverage types and benefit limits can vary, and you must put the entire trip cost on the credit card to use the coverage. If your trip costs more than the coverage limit on your card, you can supplement the rest with a cheaper travel insurance plan.
• The coverage you need. When looking for the best travel insurance option at the most affordable price, only buy extras and upgrades you really need. A basic plan may only provide up to $500 in baggage insurance, but if you only plan to take $300 worth of clothes and accessories, you don’t need to pay more for higher coverage limits.

Is cheap travel insurance worth it?

Cheap travel insurance can be worth it, as long as you understand the plan limitations and exclusions. Taking the time to read your policy, especially the fine print, well before your trip can ensure there won’t be any surprises about what’s covered once your journey begins.

“If a traveler is looking for coverage for travel delays, cancellations, interruptions, medical and baggage — a comprehensive travel insurance policy will provide the most bang for their buck,” said Morrow. But if you’re on a tight budget and are only worried about emergency medical care and evacuation coverage while traveling abroad, stand-alone options are cheaper.

Before buying travel insurance, you should also consider what your health insurance will cover. 

“Most domestic health insurance plans, including Medicare, will not cover medical bills abroad,” said Morrow. Even if you’re staying stateside, you may find value in an affordable travel insurance plan with medical coverage if you have a high-deductible health plan (HDHP). 

A cheap travel insurance plan is better than none at all if you end up in a situation that would have covered some or all of your prepaid, nonrefundable trip expenses.

Methodology

Our insurance experts reviewed 1,855 coverage details and 567 rates to determine the best travel insurance . From those top-scoring travel insurance plans, we chose the most affordable for our rating of the cheapest travel insurance.

Insurers could score up to 100 points based on the following factors:

• Cost: 40 points. We scored the average cost of each travel insurance policy for a variety of trips and traveler profiles.
• Medical expenses: 10 points. We scored travel medical insurance by the coverage amount available. Travel insurance policies with emergency medical expense benefits of $250,000 or more per person were given the highest score of 10 points.
• Medical evacuation: 10 points. We scored each plan’s emergency medical evacuation coverage by coverage amount. Travel insurance policies with medical evacuation expense benefits of $500,000 or more per person were given the highest score of 10 points.
• Pre-existing medical condition exclusion waiver: 10 points. We gave full points to travel insurance policies that cover pre-existing medical conditions if certain conditions are met.
• Missed connection: 10 points. Travel insurance plans with missed connection benefits of $1,000 per person or more received full points.
• “Cancel for any reason” upgrade: 5 points. We gave points to travel insurance plans with optional “cancel for any reason” coverage that reimburses up to 75%.
• Travel delay required waiting time: 5 points. We gave 5 points to travel insurance policies with travel delay benefits that kick in after a delay of 6 hours or less.
• Cancel for work reasons: 5 points. If a travel insurance plan allows you to cancel your trip for work reasons, such as your boss requiring you to stay and work, we gave it 5 points.
• Hurricane and severe weather: 5 points. Travel insurance plans that have a required waiting period for hurricane and weather coverage of 12 hours or less received 5 points.

Some travel insurance companies may offer plans with additional benefits or lower prices than the plans that scored the highest, so make sure to compare travel insurance quotes to see your full range of options.

Cheapest travel insurance FAQs

When buying travel insurance, cheapest is not always the best. The most affordable travel insurance plans typically offer fewer coverages with lower policy limits and few or no optional upgrades. Add up your total nonrefundable trip costs and compare travel insurance plans and available features that cover your travel expenses. This strategy can help you find the cheapest travel insurance policy that best protects you from financial loss if an unforeseen circumstance arises.

Get the coverage you need: Best travel insurance of 2024

According to our analysis, WorldTrips , Travel Insured International and Travelex offer the best cheap travel insurance. Policy coverage types and limits can vary by each travel insurance provider, so the best way to get the cheapest travel insurance plan is to compare several policies and companies to find the right fit for your budget.

A good rate for travel insurance depends on your budget and coverage needs. The most comprehensive travel insurance plan is usually not the cheapest. But cheap trip insurance may not have enough coverage or the types of coverage you want. Comparing different levels of coverage and how much they cost can help you find the best cheap insurance for travel. 

The average cost of travel insurance is between 5% to 6% of your total travel expenses for one trip, according to our analysis of rates. However, you may find cheaper travel insurance if you opt for a plan with fewer benefits or lower coverage limits. How much you pay for travel insurance will also depend on the number of travelers covered, their ages, the length of the trip and any upgrades you add to your plan.

Travel insurance covers nonrefundable, prepaid trip costs — up to the policy coverage limits — when your trip is interrupted or canceled for a covered reason outlined in your plan documents. Even the cheapest travel insurance policies usually provide coverage for:

• Medical emergencies.
• Trip delays.
• Trip interruption.
• Trip cancellation.
• Lost, stolen or damaged luggage.

However, if you’re looking to save on travel insurance, you can shop for a policy that only has travel medical insurance and does not include benefits for trip cancellation .

Even when you buy cheap travel insurance, you can often use upgrade options to customize your policy to meet your specific needs. 

Some common travel insurance add-ons you may want to consider include:

• Rental car damage coverage. 
• Medical bundle.
• Security bundle.
• Accidental death and dismemberment coverage.
• Adventure sports bundle.
• Pet bundle.
• Wedding bundle.
• “Cancel for work reasons” coverage.
• “Interruption for any reason” (IFAR) coverage.
• “Cancel for any reason” (CFAR) coverage .

Blueprint is an independent publisher and comparison service, not an investment advisor. The information provided is for educational purposes only and we encourage you to seek personalized advice from qualified professionals regarding specific financial decisions. Past performance is not indicative of future results.

Blueprint has an advertiser disclosure policy . The opinions, analyses, reviews or recommendations expressed in this article are those of the Blueprint editorial staff alone. Blueprint adheres to strict editorial integrity standards. The information is accurate as of the publish date, but always check the provider’s website for the most current information.

Mandy is an insurance writer who has been creating online content since 2018. Before becoming a full-time freelance writer, Mandy spent 15 years working as an insurance agent. Her work has been published in Bankrate, MoneyGeek, The Insurance Bulletin, U.S. News and more.

Heidi Gollub is the USA TODAY Blueprint managing editor of insurance. She was previously lead editor of insurance at Forbes Advisor and led the insurance team at U.S. News & World Report as assistant managing editor of 360 Reviews. Heidi has an MBA from Emporia State University and is a licensed property and casualty insurance expert.

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