American Express has expanded The Centurion Network to include 40+ Centurion Lounge and Studio locations worldwide. Click Registration to join us and share your expertise with our readers.). A Comprehensive Guide, Is Hiring a Travel Agent Worth It? The card is a good choice for the occasional Delta flyer without elite. For example, if you book a domestic round-trip flight, a hotel, and a rental car, you may have sufficient coverages on your credit card to cover that trip. Flexibility, point transfers and a large bonus: Bank of America Travel Rewards credit card. Still, it can be confusing to know what is covered and the right documentation you need to file a claim. How to book better and avoid flight delays. And it's not just the cardmember's bags that are covered. These reasons consist of events that are unforeseen and unexpected. The Amex Cobalt has a huge welcome bonus worth up to 30,000 points after spending $500 every month for the first year. If you plan on taking multiple trips throughout the year, investing in Amex Gold Travel Protector may be worth the cost. Her previous experience involved building and writing business plans in the mergers and acquisitions sector in New York, as well as staffing in the insurance and financial technology software field. Amex outlines what is not covered, which includes the following: When you have a delay or trip cancellation/interruption that you think qualifies for coverage, you can file a claim by calling Amex at 1-844-933-0648 within 60 days of the covered loss. Terms apply. It has relevant bonus . Cost includes $12.95 plus applicable local sales tax. Read our guide on when to use American Express Premium Car Rental Protection for more details on this coverage option. Credit ranges are a variation of FICO Score 8, one of many types of credit scores lenders may use when considering your credit card application. If youre looking for medical coverage for an international trip, for example, purchasing with an established company at a reasonable price makes American Express Travel Insurance a worthy choice. Probably. Another downside that may or may not be important is that American Express Travel Insurance does not sell annual or multi-trip policies. Let's dig into the details. Additional Info Rates & Fees Amex Gold Card - Is It Worth it? Allianz Travel Insurance Coverage Review Is It Worth It? From travel protections to car rental damage waivers, let's find out how the American Express Gold Card travel insurance works. It also does not cover canceling your trip due to a government shutdown due to COVID-19, or a surge in cases in a particular area. Bottom Line: Having the option to select only the coverages you want allows you to save money by not paying for coverages you dont need. While American Express Travel Insurance does not cover trip cancellation due to fear of contracting COVID-19, there may be coverage in certain circumstances. Does AMEX offer an Annual Travel Insurance Policy? Click here to see a list of advertisers that we work with. NerdWallet's ratings are determined by our editorial team. Your email address will not be published. American Express premium credit cards offer some of the best perks in the credit card space. Our partners cannot pay us to guarantee favorable reviews of their products or services. One way to easily compare pricing and coverages is to utilize a travel insurance comparison site to narrow down the appropriate options for your situation. 1.33 Nectar points are worth 0.66p when spent at Sainsbury's, Argos or eBay. Here are our picks for the. Amex currently offers 17 rewards cards, and 11 of them have an annual fee attached. There are two situations in which travel insurance can be worthwhile: to protect your trip and to protect your health. Is Amex Gold Travel Protector Worth It? Terms apply. The Amex Gold is a valuable option for U.S.-based customers who spend heavily on dining and groceries at U.S. supermarkets and are looking for an in-between, "premium-lite" card that offers good returns without a hefty price tag. 2023 Upgraded Points, LLC. Certain vehicle types are excluded such as cargo vans, motorcycles, mopeds and campers. Rent a car with your. However, it is important to remember that the cost of the policy can add up quickly and it may not cover all potential issues that may arise during your travels. Terms apply. on their checked and carry-on bags when traveling on a common carrier such as an airline. One of the companys strengths is that it offers the consumer the ability to purchase needed coverages separately, such as medical insurance for an international trip. For more information on our advertisers, see here. There is no doubt that American Express is a financially-stable, established, and well-respected travel insurance company. The travel insurance coverages that come with your credit card can be sufficient to cover simple trips. All Rights Reserved. The Delta SkyMiles Gold American Express Card was revamped in 2019 with a new list of perks and revised earning rates. The Bottom Line: This plan is solid travel insurance protection from a reliable company. This site does not include all credit card companies or all available credit card offers that are on the market. Sign up and well send you Nerdy articles about the money topics that matter most to you along with other ways to help you get more from your money. Up to 4 claims a year are allowed. However, this mid-tier rewards card also offers cardholders several travel perks that can make it an appealing option for booking flights and rental cars. The American Express Gold Card is packed with valuable rewards and benefits that make it an easy choice for everyday spenders and frequent travelers. Learn more: The cheapest car rental companies, according to data. While the Amex Gold Card charges a $250 annual fee, the rewards and benefits can be well worth it. Check here before booking an award fare. Many or all of the products featured here are from our partners who compensate us. Christine was born in Northern Michigan but spent most of her career operating her own business developing and managing insurance and financial services offices throughout the state. 3x on eligible Delta purchases, 1.5x on purchases of $5,000 or more (up to 50,000 additional miles per calendar year), 1x on all other purchases. Featured Image Credit: <p><img src="https://static6.businessinsider.com/image/5dd85b72fd9db25e383b14e3-2377/american express 6.jpg" border="0" alt="american express 6" data-mce-source . Pre-qualified offers are not binding. ? Enrollment required. Terms apply. If this is important to you, you should attempt to find the coverage elsewhere by using comparison sites. For years, the Amex Gold Card has been one of the strongest travel cards on the market thanks to a reasonable annual fee and some unbeatable bonuses on groceries and dining that make it a go-to card to earn more points for everyday expenses. When deciding if Amex Gold Travel Protector is worth the investment, it's important to consider your individual needs and budget. So make sure your personal auto insurance covers your liability when renting cars. The card details on this page have not been reviewed or provided by the card issuer. is not covered on travel insurance policies. Sign up for our daily newsletter! For example, you'll generally need to pay for trips with your American Express Gold Card to get these travel protections. 1The Cash Back refund option applies if the Travel Protection Plan Plus is purchased within seven (7) days of your initial deposit for your trip. The cheapest car rental companies, according to data, One of the newest travel insurance perks of the, (added as of Jan. 1, 2020) is trip delay insurance protections. check out the full list of cards and details on American Express's website. Having a card with trip insurance can save you hundreds of dollars when unexpected hiccups happen in your travel plans. If you're starting to travel again, it's also a good idea to consider booking refundable travel. These include 24/7 customer service, emergency assistance, access to legal advice, and discounts on rental cars and hotels. You or a covered family member become ill and you must cancel your trip. We would be anticipating 2-4 international trips per year starting in 2023. The Gold Plan selected offers up to $100,000 in emergency medical, up to $750 in emergency dental, and up to $100,000 in emergency evacuation/repatriation. American Express Travel Insurance, underwritten by AMEX Assurance Company, is one of those highly-respected, highly-rated, established companies offering comprehensive travel insurance solutions. Yes in fact, several kinds. For reference, the six "freebies" are: The Blue Cash Everyday Card. When not traveling, Megan adventures around her Midwest home base where she likes to attend theme parties, ride her bike and cook Asian food. Hi, I'm Happy Sharer and I love sharing interesting and useful knowledge with others. Terms apply. Any and all options, reviews, comments and analyses are the responsibility of the author(s) and not any Advertiser or credit card issuer. NerdWallet strives to keep its information accurate and up to date. There are even more places your Platinum Card can get you complimentary entry and exclusive perks. Bottom Line: American Express Travel Insurance offers 4 different levels of package policies, each comprising a collection of coverages most travelers look for. An advance-fee scam is a form of fraud and is one of the most common types of confidence tricks. A Comprehensive Review. If anyone on our team wouldnt recommend it to a friend or a family member, we wouldnt recommend it on The Points Guy either. You can find more details about the coverage offered by Amex Gold Travel Protector on their website. Terms apply to offers below. If losing your trip investment or having to pay for extra expenses if the trip is disrupted makes you uncomfortable or would present a financial burden, then you should purchase a comprehensive travel insurance policy. Our opinions are our own. For package travel insurance policies, you might be able to realize modest savings by shopping around, but you wont go wrong with the company selection of choosing American Express Travel Insurance. We used policy comparison websites and found similar but not identical policies. Terms apply. Get up to $300 back per calendar year on the Equinox+ digital fitness app, or eligible Equinox club memberships when you pay with your Platinum Card. Note that you must be on a trip starting from your city of residence to be covered. $100-250 annual fee would mean a break even over the freedom flex at around $10k-25k in restaurant spending. Get $200 back in statement credits each year on prepaid Fine Hotels + Resorts or The Hotel Collection bookings, which requires a minimum two-night stay, through American Express Travel when you pay with your Platinum Card. Bottom Line: The longer, more expensive, and more complicated your trip, the greater the need for a comprehensive travel insurance policy. Nothing is worse than getting through an entire claims process only to be denied or have to start over because you dont have the required documentation for the insurance provider. However, if you utilize the links for the travel insurance comparison sites, youll find several options for annual plans offered by highly-rated companies. AIG Travel Guard Insurance Coverage Review - Is It Worth It? Finally, Amex Gold Travel Protector may provide additional savings in the form of discounts on certain activities or attractions. Then, AmEx will automatically reimburse up to $50,000 in damage or theft for most rentals up to 30 days in length. The Gold Card has an annual fee of $250, which is effectively $30 when you factor in its monthly statement credits at select restaurants and its airline fee credit. Additionally, its imperative that if youre worried about having medical coverage while traveling, youd want to purchase a travel insurance policy that provides medical coverage. If you're an everyday cardholder wondering if the Amex Gold is worth it for you, take it from us: The Amex Gold is one of the best cards on the market if you spend heavily on food and make the most of its perks on dining and travel. Crypto Wallet Development: Types, Features, and Popularity, 5 Ways AI is Detecting and Preventing Identity Fraud. AmEx provides many travel advice and assistance services free of charge. However, if you need outside help such as emergency translation or legal assistance you'll be on the hook for payments to third-party service providers. When is travel insurance worth it? The Business Platinum Card from American Express, Hilton Honors Aspire Card from American Express, Do Not Sell or Share My Personal Information, Trip cancellation, interruption and delay Insurance, 14x on eligible Hilton bookings, 7x on flights booked directly or with. This site does not include all credit card companies or all available credit card offers. ). This site does not include all credit card companies or all available credit card offers that are on the market. There are some things you just can't plan for. Unlock new opportunities and expand your reach by joining our authors team. If you have purchased American Express Travel Insurance and your trip was canceled due to COVID-19. Like most travel insurance companies, American Express Travel Insurance prices its products within age brackets. In order to have coverage for voluntary trip cancellations, you would need to purchase Cancel for Any Reason Insurance (CFAR). Terms apply. One of the main advantages of Amex Gold Travel Protector is the comprehensive coverage it offers. For an explanation of our Advertising Policy, visit. AmEx Global Assist can help with everything from visa and vaccination information before your trip, to emergency cash wires if things go wrong during your trip. And you can fall back on AmEx Global Assist anytime you run into issues when planning your trip or if you have an emergency during the trip. The Delta SkyMiles Blue American Express Card. Copies of your common carrier tickets and travel supplier receipt, Your eligible card billing statement showing the charges for the covered trip, Copy of travel supplier's cancelation policy. 3x on eligible Delta purchases, 1x on all other purchases. Visit americanexpress.com/protectionbenefits or call 1-800-338-1670. Our partners compensate us. In addition, if your trip is an expensive one, even if its simple and short, it would be prudent to cover your investment with a travel insurance policy. CFAR is not a stand-alone insurance policy it is an add-on coverage you select when you purchase a travel insurance policy or coverage you may be able to add to a travel insurance policy after purchase, within an initially specified timeframe. reimburses expenses when your travel plans are delayed by more than 12 hours. As travel restrictions change, policies and best practices will likely change as well. But this guide will walk you through which Amex credit cards have these benefits, what's currently covered and how you can file a successful claim. Terms apply. Prices will vary considerably based on the types of coverages selected, age, and limits of each coverage. The credit card offers that appear on the website are from credit card companies from which ThePointsGuy.com receives compensation. After working as a tax accountant for a decade, JT turned his analytical skills to points, miles and credit cards. (Note: Is this article not meeting your expectations? Each of these travel protections has limits, exclusions and requirements. This is because you can convert 1 point into 1.33 Nectar points via the Avios partnership. All financial products, shopping products and services are presented without warranty. Additionally, if you become ill with the virus during your travels, you may have coverage under Travel Medical Protection. You can change or modify your policy prior to your trip. Selecting a company is not difficult as there are dozens of reputable, highly financially-rated, established companies, but comparing policies is essential for getting the best value for your money. Terms apply. If some of the coverages in the package plan are not important to you, you can select only the coverage(s) you want and pay accordingly. Ill and you must cancel your trip that make it an easy choice everyday! 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