AmEx Platinum Travel Insurance 2025 | What to Know about it

AmEx Platinum Travel insurance coverage can present peace of thoughts while you’re away from house, particularly while you’ve spent important cash in your trip. Though you possibly can select to purchase a separate amex platinum travel insurance coverage coverage, not everybody needs or wants to take action.

Many travel bank cards supply complimentary insurance coverage for quite a lot of occurrences. The Platinum Card® from American Specific, which has a $695 annual charge (see charges and costs; phrases apply), presents journey insurance coverage with a collection of advantages for eligible vacationers, together with protection for journey interruption, rental automobile injury and misplaced baggage.

Let’s check out journey insurance coverage on The Platinum Card® from American Specific, its limits and the advantages it offers.

» Study extra: What is travel insurance?

When does the AmEx Platinum journey insurance coverage kick in?

So, does The Platinum Card® from American Specific have journey insurance coverage? The brief reply to that is sure, however you’ll want to fulfill particular necessities for it to use.

To get protection out of your card, you’ll want to make use of it to pay to your journey in its entirety. That is true whether or not you’re seeking to make the most of the journey insurance coverage or the rental automobile insurance coverage — it’s essential to pay for the complete price with The Platinum Card® from American Specific.

You should still be coated for journey interruption, delay, and cancellation insurance coverage when utilizing factors or frequent flyer miles.

Nonetheless, rental automobile and baggage insurance coverage solely apply while you’ve used your card to pay for the complete price of no matter you’re shopping for — no factors allowed. The exception is in the event you redeem American Specific Membership Rewards to pay for some or the entire reserving.

» Study extra: Pet insurance

AmEx Platinum journey insurance coverage advantages and limits

We’ve included a breakdown of all of the insurance coverage advantages and different journey protections supplied by The Platinum Card® from American Specific.

Journey cancellation safety

The journey cancellation insurance coverage you’ll obtain pays for any nonrefundable losses you incur as a result of a coated occasion.

Given the present local weather, you might also be questioning: does The Platinum Card® from American Specific journey insurance coverage cowl COVID? It may well, relying on the explanation you could cancel. Lined occasions embrace quarantine imposed by a doctor or sickness for you, your loved ones members or a touring companion.

Different eligible occasions embrace a change in army orders, inclement climate or jury responsibility.

If you could cancel your journey, AmEx will present as much as $10,000 per journey and a most of $20,000 each 12 months. Phrases apply.

Journey interruption protection

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As with journey cancellation safety, journey interruption insurance coverage will reimburse you for nonrefundable losses by a coated occasion.

In case your journey is interrupted, American Specific will cowl you for pay as you go land, air and sea journey bookings you’ve missed. They’ll additionally pay for the price of an economy-class ticket on probably the most direct path to rejoin your coated journey (or take you house).

The utmost profit you’ll obtain is $10,000 per journey and as much as $20,000 each 12 months. Phrases apply.

Journey delay insurance coverage

Because it sounds, journey delay insurance coverage will reimburse you for bills incurred when your journey doesn’t go as scheduled. Within the case of The Platinum Card® from American Specific, protection kicks in after you’ve been delayed by at the least six hours for a coated motive.

Lined purchases might embrace meals, toiletries, lodging, medicine and different private use objects. You’ll be reimbursed for as much as $500 on a coated journey and might make two claims inside a 12-month interval. Phrases apply.

Rental automobile insurance coverage

The Platinum Card® from American Specific offers secondary rental automobile insurance coverage. This implies it’ll kick in after different claims — like these made to your private insurance coverage — have been paid. To activate protection, you’ll want to say no the insurance coverage provided by the rental automobile firm.

AmEx will present as much as $75,000 as a result of injury or theft of the rental automobile, however remember that the coverage doesn’t present legal responsibility insurance coverage.

It’ll additionally offer you as much as $1,000 per individual (max of $2,000) for private property misplaced within the incident and as much as $5,000 for unintentional harm. Lastly, you’ll obtain as much as $300,000 for unintentional dying or dismemberment, although the charges will fluctuate relying on the severity of your accidents.

This rental automobile insurance coverage is legitimate worldwide with a couple of notable exceptions, together with Australia, Italy and New Zealand. Phrases apply.

» Study extra: Credit cards that provide Home insurance

Baggage protection

Cardholders and their households are eligible for bags insurance coverage supplied they’ve paid for the fare utilizing The Platinum Card® from American Specific. This profit is just for misplaced baggage; delayed baggage will not be protected.

Protection limits fluctuate relying on whether or not you’ve checked your bag or carried it on:

Checked baggage: As much as $2,000 per individual.

Carry-on: As much as $3,000 per individual.

Notice additionally that checked baggage is barely coated while you’re truly touring with a standard service. In the meantime, carry-on baggage can be coated when touring to and from or ready on the terminal.

There are additionally particular limits for high-risk objects resembling jewellery and digital gear. For this stuff, you’ll obtain a most of $1,000 per individual per journey. Phrases apply.

» Study extra: Baggage insurance explained

Premium World Help

What else does The Platinum Card® from American Specific journey insurance coverage cowl? Though this final profit isn’t technically a kind of journey insurance coverage, it’s value together with as it might probably supply assist whilst you journey.

AmEx’s Premium World Help hotline is a 24/7 service that may help you in varied methods, resembling serving to you get a brand new passport, discovering translation companies and even arranging for emergency medical evacuation.

Though utilizing Premium World Help is free, the companies that you could be find yourself utilizing usually are not essentially coated by AmEx.

There are exceptions to this — in the event you want repatriation of mortal stays, emergency medical evacuation or if a baby below 16 is left with out care, AmEx will present assist at no further price. Phrases apply.

To file a declare, you’ll have to contact your profit administrator. The telephone quantity and timeframe will fluctuate in response to the kind of insurance coverage you’re utilizing:

Journey cancellation, interruption or delay insurance coverage: Inside 60 days, name 844-933-0648.

Baggage insurance coverage: Inside 30 days, name 800-228-6855 or online.

Rental automobile insurance coverage: Inside 30 days, name 800-338-1670 or online.

Find out how to make an AmEx journey insurance coverage declare

» Study extra: The guide to AmEx Platinum rental car benefits

What if the cardboard’s insurance coverage advantages are inadequate?

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If The Platinum Card® from American Specific journey insurance coverage doesn’t look like it’ll be sufficient to your journey, or if its protection doesn’t embrace options that you just’d wish to have, take into account buying a separate journey insurance coverage coverage earlier than you journey.

A number of firms let you examine varied insurance policies for any trip and modify inclusions as you store.

» Study extra: How much is travel insurance?

The Platinum Card® from American Specific journey insurance coverage, recapped
The journey insurance coverage provided by The Platinum Card® from American Specific contains some fairly beneficiant advantages for vacationers, particularly because it’s complimentary (the $695 annual charge however). Phrases apply.

If you wish to reap the benefits of this insurance coverage, pay to your journey utilizing your AmEx card and double-check another said necessities earlier than heading out to make sure protection.

Insurance coverage Profit: Journey Cancellation and Interruption Insurance coverage

The utmost profit quantity for Journey Cancellation and Interruption Insurance coverage is $10,000 per Lined Journey and $20,000 per Eligible Card per 12 consecutive month interval.

Eligibility and Profit degree varies by Card. Phrases, Situations and Limitations Apply.

Underwritten by New Hampshire Insurance coverage Firm, an AIG Firm.

Insurance coverage Profit: Journey Delay Insurance coverage

As much as $500 per Lined Journey that’s delayed for greater than 6 hours; and a couple of claims per Eligible Card per 12 consecutive month interval.

Eligibility and Profit degree varies by Card. Phrases, Situations and Limitations Apply.

Underwritten by New Hampshire Insurance coverage Firm, an AIG Firm.

Insurance coverage Profit: Automotive Rental Loss & Harm Insurance coverage

Automotive Rental Loss and Harm Insurance coverage can present protection as much as $75,000 for theft of or injury to most rental automobiles while you use your eligible Card to order and pay for the complete eligible automobile rental and decline the collision injury waiver or related choice provided by the Business Automotive Rental Firm. This product offers secondary protection and doesn’t embrace legal responsibility protection. Not all automobile sorts or leases are coated. Geographic restrictions apply.

Eligibility and Profit degree varies by Card. Phrases, Situations and Limitations Apply.

Underwritten by AMEX Assurance Firm. Automotive Rental Loss or Harm Protection is obtainable via American Specific Journey Associated Providers Firm, Inc.

Insurance coverage Profit: Baggage Insurance coverage Plan

Baggage Insurance coverage Plan protection could be in impact for Lined Individuals for eligible misplaced, broken, or stolen Baggage throughout their journey on a Frequent Service Car (e.g., airplane, prepare, ship, or bus) when the Complete Fare for a ticket for the journey (one-way or round-trip) is charged to an Eligible Card.

Protection could be supplied for as much as $2,000 for checked Baggage and as much as a mixed most of $3,000 for checked and carry-on Baggage, in extra of protection supplied by the Frequent Service. The protection can be topic to a $3,000 mixture restrict per Lined Journey. For New York State residents, there’s a $2,000 per bag/suitcase restrict for every Lined Individual with a $10,000 mixture most for all Lined Individuals per Lined Journey.

Eligibility and Profit degree varies by Card. Phrases, Situations and Limitations Apply.

Insurance coverage Profit: Premium World Help Hotline

You possibly can depend on World Help Hotline 24 hours a day / 7 days per week for medical, authorized, monetary or different choose emergency coordination and help companies whereas touring greater than 100 miles away from your private home. Plus, the Premium World Help Hotline might present emergency medical transportation help and associated companies. Third-party service prices could also be your accountability.

Eligibility and Profit degree varies by Card. Phrases, Situations and Limitations Apply.

If authorised and coordinated by Premium World Help Hotline, emergency medical transportation help could also be supplied without charge. In another circumstance, Card Members could also be chargeable for the prices charged by third-party service suppliers.