Does American Express Platinum Card have travel 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 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. … read full answer

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.

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.