Yes, the Amex Delta Platinum Card does have travel insurance benefits, the best of which are rental car insurance and trip delay insurance. To be eligible to file a travel insurance claim, you’ll need to pay for your travel using your Amex Delta Platinum Card.
Types of Amex Delta Platinum Travel Insurance
Trip delay insurance: This benefit reimburses you for necessary expenses – such as a hotel room, for example – if your trip is delayed for more than 12 hours.
Lost/damaged baggage insurance: If your luggage is lost or stolen, you can get reimbursed for the contents of the luggage up to $1,250 for carry-on baggage, per covered person ($250 for high-risk items).
Rental car insurance: This benefit covers the cardholder for damage to the rental vehicle that results from collision or theft.
Exclusions and coverage limits apply to many of these benefits, so make sure to check your Amex Delta Platinum Card’s guide to benefits for more details on each type of insurance.
American Express Platinum card trip cancellation insurance covers non-refundable travel expenses purchased with American Express Platinum card, up to $10,000 per trip and $20,000 per eligible card every 12 consecutive months, if a cardholder has to cancel because of unforeseen events. Covered events include inclement weather, jury duty, accidental injuries, and others, as outlined in the card’s … read full answerGuide to Benefits.
Here’s how the American Express Platinum card trip cancellation insurance works:
Overview: To be eligible for American Express Platinum card trip cancellation insurance, you must use your American Express Platinum card or rewards points to pay for the entire fare.
Who is covered: Cardholders along with immediate family members and traveling companions whose trips are purchased with the cardholder’s American Express Platinum card. Immediate family members include spouses, domestic partners or unmarried children up to the age of 19 or 26 if they are full time students at an accredited college or university.
How much is covered: Up to $10,000 per trip and $20,000 per eligible card every 12 consecutive months.
What is covered: Trips cancelled due to unforeseen circumstances such as accidental bodily injury, loss of life or sickness, weather conditions, court subpoenas or jury duty, terrorist actions, quarantines imposed by physicians and more. Reimbursement covers expenses such as prepaid passenger fares and hotel rooms.
What is not covered: Trips cancelled due to pre-existing conditions, wars, intoxication at the time of an accident, self-inflicted injuries, illegal or criminal acts and more.
How to claim: To file an American Express Platinum card trip cancellation claim, contact the Benefit Administrator at (844) 933-0648. You can also file a claim through your online account. You must also notify your travel supplier (e.g.: airline, hotel, etc.). You’ll have 60 days from the covered loss date to submit a claim. Once American Express receives your claim, you’ll need to offer supporting documentation to validate the claim, such as copies of your tickets or a American Express Platinum card billing statement listing the charges for the trip. All documents are due within 180 days of a covered loss.
Insurance benefit disclosure: 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 Amex Delta Platinum annual fee is $250. The fee is offset by a Delta companion certificate, offered each year when you renew your membership and pay the annual fee. Amex Delta Platinum also earns you 50,000 miles and 5,000 Medallion Qualification Miles after spending $2,000 in the first 3 months, which more than makes up for the cost of the annual fee. … read full answer
But you need more context to decide whether the fee is worth it for you. In particular, you need to take a deeper look at the card’s rewards, as well as the alternatives.
Here’s what you need to know about the Amex Delta Platinum annual fee:
You get a companion certificate every year when you renew your Amex Delta Platinum membership by paying the annual fee. You can use it on round-trip Main Cabin domestic flights.
Amex Delta Platinum offers 3 miles per $1 spent with Delta, 3 miles per $1 on purchases made directly with hotels, 2 miles per $1 at restaurants worldwide (including takeout and delivery in the U.S.) and U.S. supermarkets, as well as 1 mile per $1 on all other purchases. You also get perks like a Delta companion certificate every year when you renew your membership, free Sky Club access, and a free checked bag on Delta flights.
The Amex Delta Platinum annual fee is $250. The perks you get with the SkyMiles membership and the card’s initial bonus offer of 50,000 miles could make the annual fee worth it as long as you meet its spending requirements, and fly Delta enough. Otherwise, you could consider getting an airline credit card with no annual fee.
There’s no official Delta SkyMiles® Platinum American Express Card upgrade offer that anyone can take Amex up on. But Amex sometimes presents targeted upgrade offers to certain customers. To check for one of these, log into your American Express account and select “Amex Offers.” You’ll see whether you have any upgrade offers. If you don’t see any offers, you can still request an upgrade. Call customer service at … read full answer(800) 528-4800, and say “Apply for upgrade” when the automated system asks what you want to do. After you enter your card number, a representative will check whether you’re eligible. You should get a decision in a few minutes.
That’s all you have to do to apply for an upgrade. But before you do, there are a few more details you should be aware of.
Here’s how Delta SkyMiles® Platinum American Express Card upgrade offers work:
American Express will decide whether or not to approve you for an upgrade based on your credit reports, income, and payment history.
American Express does not do a hard inquiry on your credit when you ask for an upgrade, so there’s no risk to requesting one.
If you are approved for an upgrade, you will receive your new card within 7 days. You can keep using your old card until your new one is activated.
Since you’re not opening a new account, your old account information will stay the same.
There’s also a different type of Delta SkyMiles® Platinum American Express Card upgrade offer. Card members can earn up to 25,000 Medallion Qualifying Miles in their first year, and 20,000 every year after that. If you earn 25,000 Medallion Qualifying Miles and spend $3,000 on Delta purchases, you’ll earn Medallion status. Medallion members are eligible for available complimentary seat upgrades on all Delta flights.
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