Travel can be unpredictable, but having the right credit card can offer peace of mind with robust travel protections. American Express cards are known for their comprehensive travel benefits, which vary across their portfolio of cards. Here, we break down the different types of coverage provided, the cards that offer them, and the specific limits and conditions you should be aware of.
Trip Delay Insurance
When travel hiccups occur, trip delay insurance can be a lifesaver. Whether it’s a mechanical issue with your plane or a weather-related cancellation, having coverage can mitigate the inconvenience and unexpected expenses. For instance, select American Express cards provide up to $500 per trip for delays over six hours, applicable to cards like:
- The Platinum Card® from American Express
- Delta SkyMiles® Reserve American Express Card
- Hilton Honors American Express Aspire Card
Mid-tier cards offer up to $300 for delays over 12 hours, including the American Express® Gold Card and the Delta SkyMiles® Platinum American Express Card. Remember, coverage specifics can vary, so checking the terms for each card is crucial.
Trip Cancellation and Interruption Insurance
Another critical aspect of travel insurance is coverage for trip cancellation or interruption. This ensures that if your trip is disrupted for reasons covered by your policy, you won’t be out of pocket for non-refundable expenses. Coverage can go up to $10,000 per trip and $20,000 per card annually. Cards offering this benefit include:
- The Platinum Card® from American Express
- Marriott Bonvoy Brilliant® American Express® Card
- The American Express Business Platinum Card®
Global Assist Hotline
For those traveling far from home, the Global Assist Hotline is available 24/7 to help with medical, legal, financial, or other emergencies. This service is particularly valuable when you find yourself in need of urgent assistance abroad. Coverage is included with many cards, such as:
- American Express® Gold Card
- Hilton Honors American Express Card
- Blue Cash Everyday® Card from American Express
Baggage Insurance Plan
Lost or damaged luggage can start a trip on the wrong note. American Express offers baggage insurance to cover such situations. High-end cards may cover up to $3,000 for checked and carry-on baggage combined. Examples include:
- The Platinum Card® from American Express
- Delta SkyMiles® Reserve Business American Express Card
Lower-tier cards generally offer up to $1,250 for carry-on and $500 for checked baggage, with cards like the American Express® Green Card and the Delta SkyMiles® Gold American Express Card included.
Car Rental Loss and Damage Insurance
Renting a car comes with its risks, such as theft or damage. American Express provides secondary coverage for most rental vehicles when you decline the rental company’s collision damage waiver. High-end cards may offer up to $75,000 in coverage, applicable to:
- The Business Platinum Card® from American Express
- Marriott Bonvoy Brilliant® American Express® Card
Mid-tier cards offer up to $50,000 in coverage, including options like the American Express® Business Gold Card and the Blue Cash Preferred® Card from American Express.
Navigating Your Benefits
Each card comes with its specific terms and coverage limits, which are detailed in the benefits guides available on the American Express website. It’s advisable to review these details before you travel to fully understand the protections you have in place. This knowledge can not only save you money but also provide comfort knowing you’re covered against many of the uncertainties that come with travel.
By familiarizing yourself with the travel protections offered by your American Express card, you can ensure you’re adequately prepared for your next adventure, making your travel experience as smooth and secure as possible. Whether it’s a weekend getaway or an international expedition, knowing your travel protections can help you focus on what truly matters—enjoying your trip.
