No, the American Express Platinum card doesn’t have roadside assistance anymore. American Express dropped roadside assistance and travel accident insurance from all of its cards, effective January 1, 2020.
While the American Express Platinum card roadside assistance and travel accident insurance are no longer available, American Express has replaced them with other benefits. Plus, if roadside assistance is important to you, there are still a few good cards that offer it. They include the Chase Sapphire Reserve and Chase Sapphire Preferred.
The best credit card with free roadside assistance is the Chase Sapphire Reserve. The coverage includes towing, flat tires, dead batteries, lockouts, and empty gas tanks. You’re covered for up to $50 per service call, with a maximum of 4 events per year, for $200 in annual coverage.
The Chase Sapphire Reserve card’s annual fee is $550. Some of the additional perks helping to cover that cost include 60,000 bonus points for spending $4,000 in the first 3 months and a complimentary Priority Pass Select airport lounge membership.… read full answer
The American Express Platinum card car rental insurance covers cardholders for up to $75,000 in collision damage and theft for vehicles rented with the American Express Platinum card or American Express rewards points. To get the American Express Platinum card car rental insurance coverage, you must decline the rental agency’s supplemental insurance policy. To make a American Express Platinum card rental car insurance claim, call … read full answer(800) 338-1670 within 30 days of a covered incident.
There are a few exceptions you should be aware of, though. And there are more details about the process you’ll need to follow to actually get your money. You can find the key points below.
Here’s more info about the American Express Platinum card car rental insurance:
You’re covered up to $75,000 per claim for collision damage or theft.
You must pay for the entire rental with your American Express Platinum card or rewards points.
You must decline the rental agency’s insurance policy.
The following types of vehicles are not covered by American Express Platinum card rental car insurance:
Cargo vans, vans that carry 9+ people, box trucks, trucks that weight 10k+ lbs., modified vehicles (except for handicapped accessibility), antiques, limos, off-road vehicles, motorcycles/motorbikes/mopeds, RVs, golf carts, and a few others.
The following situations and types of damage are not covered by American Express Platinum card rental insurance:
Manufacturing defects, wear and tear, damage from illegal activities, accidents caused by driver’s intoxication, seizure by authorities, damage by war, and a few others.
To make an American Express Platinum card rental car insurance claim, call (800) 338-1670 within 30 days of the incident. If you’re abroad, collect at (303) 273-6497.
Amex will then mail you instructions for what to do next. You’ll have 60 days to return any proof they request, which may include damage estimates, police reports, etc.
The American Express Platinum card rental car insurance will reimburse you within 90 days of American Express receiving your proof of the incident. Before you rent a car with your American Express Platinum card, you should take some time to read through the benefits guide. It will give you the full information.
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