Maria Adams, Credit Cards Moderator
@m_adams
The American Express Platinum Card® travel insurance covers lost does have travel insurance benefits, the best of which are trip cancellation and interruption insurance and car rental loss and damage insurance. To be eligible to file a travel insurance claim, you'll need to pay for your travel using your American Express Platinum Card®.
Types of American Express Platinum 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 6 hours. The coverage is up to $500 per trip, and you can make 2 claims per card per 12 consecutive month period.
- 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. The maximum benefit amount is $10,000 per trip and $20,000 per card per 12 consecutive month period.
- Lost/damaged baggage insurance: If your luggage is lost or stolen, you can get reimbursed for the contents of the luggage up to a combined maximum of $3,000 for carry-on baggage and checked baggae and up to $2,000 for checked baggage, per covered person. The coverage is also subject to a $3,000 aggregate limit per trip. For New York State residents, there is a $2,000 per bag/suitcase limit for each person with a $10,000 aggregate maximum for all persons per trip.
- Rental car insurance: This benefit covers the cardholder for damage to the rental vehicle that results from collision or theft. Coverage is up to $75,000 when you use your card to reserve and pay for the car rental and decline the collision damage waiver or similar option offered by the car rental company. This insurance provides secondary coverage and does not include liability coverage and not all vehicle types or rentals are covered. Geographic restrictions apply.
Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Trip Delay Insurance and Trip cancellation/interruption insurance are underwritten by New Hampshire Insurance Company, an AIG Company. Lost/damaged baggage insurance is underwritten by AMEX Assurance Company. Car Rental Loss & Damage Insurance is offered through American Express Travel Related Services Company, Inc.
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People also ask
How does American Express Platinum Card® trip cancellation insurance work?
American Express Platinum Card® trip cancellation insurance reimburses you for certain nonrefundable travel expenses, up to $10,000 per trip and $20,000 per eligible card every 12 consecutive months, when you have to cancel a trip or cut it short due to illness, inclement weather, or other covered situations.
Eligible expenses include airfare, train tickets, hotels, and more. To be covered, the entire trip must be purchased with your Platinum Card®.
How Platinum Card® Trip Cancellation Insurance Works
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What does American Express Platinum Card® baggage insurance cover?
The Platinum Card® baggage insurance covers checked baggage and carry-on baggage that is lost, damaged or stolen. 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, cardholders must pay for the entire fare with their Platinum Card®. There is also a $3,000 aggregate coverage limit per trip.
The...
read full answer by Cate Langs, MemberHow does American Express Platinum Card® car rental insurance work?
The Platinum Card® car rental insurance covers cardholders for up to $75,000 in collision damage and theft for vehicles rented with the Platinum Card® or American Express rewards points. To get the Platinum Card® car rental insurance coverage, you must decline the rental agency’s supplemental insurance policy. To make a Platinum Card® rental car insurance claim, call (800) 338-1670 within 30 days of a covered incident.
There are a few exceptions you should be aware of, though. And there...
read full answer by Maria Adams, Credit Cards ModeratorDid we answer your question?
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