Yes, the Amex Gold card does have travel insurance benefits, the best of which are car rental loss and damage insurance and baggage insurance. To be eligible to file a travel insurance claim, you’ll need to pay for your travel using your Amex Gold card.
Types of Amex Gold card 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.
Trip cancellation/interruption insurance: This benefit covers your trip for unforeseen cancellations or for interruptions that cut your trip short. It only applies to pre-paid, non-refundable travel expenses.
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 and up to $500 for checked baggage, per covered person.
Exclusions and coverage limits apply to many of these benefits, so make sure to check your Amex Gold card’s guide to benefits for more details on each type of insurance.
Yes, the Amex Gold card does have rental car insurance. The benefit provides reimbursement for damages resulting from collision or theft of a rental vehicle, up to $50,000 or the actual cash value of the vehicle, whichever is less. To be eligible for this coverage, the cardholder must decline the rental agency’s car rental insurance plan.… read full answer
It covers eligible cardholders, their spouses, and any authorized drivers for rentals up to 30 consecutive days charged to the Amex Gold card.
On that note, American Express does offer its own primary car rental insurance through its Premium Car Rental Protection program. You’re covered for up to 42 consecutive days when you enroll and pay a flat rate per rental vehicle.
The American Express Gold Card does not offer concierge service. The Amex concierge benefit is available to The Platinum Card® from American Express and Centurion® Card from American Express cardholders. It assists travelers with routine tasks such as restaurant recommendations and reservations, travel arrangements, ticket purchases for live events, and more. Eligible cardholders can access the concierge service either by email or by phone, 24 hours a day, 7 days a week.… read full answer
Instead of concierge service, the Amex Gold Card provides other travel-friendly perks such as a 24/7 Global Assist Hotline when traveling more than 100 miles from home (eligibility and benefit level varies by card; terms, conditions and limitations apply). Please visit the benefits guide for more details. Note that while calling the Hotline is free of charge, cardmembers may be responsible for the costs charged by third-party service providers.
The Gold Card also gives access to Amex’s Personalized Travel Service through the Amex travel website and bonus rewards for every $1 you spend at restaurants, U.S. supermarkets, and on certain flight bookings. Plus, there are annual credits for both purchases at select dining partners and Uber purchases in the U.S. There’s also a bonus of 60,000 points after spending $4,000 in the first 6 months you have the card. Amex Gold‘s annual fee is $250.
The Amex Gold card annual fee is $250 per year. Amex Gold card’s $250 annual fee is higher than the average annual fee among new credit card offers right now. It’s not the only fee you need to worry about with the American Express® Gold Card, either.
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