The American Express Platinum card baggage insurance covers checked baggage and carry-on baggage that is lost or damaged by a travel provider. Coverage can be provided for up to $2,000 for checked baggage and up to a combined maximum of $3,000 for checked and carry-on baggage, in excess of coverage provided by the carrier. To be eligible for coverage, you must pay for the entire fare with their American Express Platinum card.
The benefit covers both the primary cardholder and authorized users. Spouses and any dependent children under 23 are also covered as long as they’re traveling on the same itinerary as a cardholder.
Here are some exclusions and limits to keep in mind:
For the American Express Platinum card baggage insurance coverage to apply, losses and damages must occur during a trip on a common carrier, such as an airplane, cruise ship, or train. You won’t be reimbursed if anything happens to your luggage during a trip when you’re not actually traveling, such as at a hotel or restaurant.
The benefit also places a maximum $1,000 limit on “high risk” items per person and trip. These include jewelry, cameras, computers, sporting goods and more items laid out in the Baggage Insurance Plan Benefit Guide.
Here’s how to file a claim:
You’ll need to file an American Express Platinum card baggage insurance “notice of claim” within 30 days of a covered loss or damage. You can file a claim either online or over the phone, by calling (800) 228-6855. You will then receive a claim form that you’ll need to complete and return to American Express within 60 days. You should be reimbursed within 30 days after the claim is substantiated.
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