In conclusion, Amex Gold Travel Protector can be a great way to protect yourself and your finances during your travels. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). The price of this plan would be $32 for the entire trip. as your travel assistant. is a former TPG writer, covering everything from the latest deal to deeper guides with a focus on beginners. Additionally, if you become ill with the virus during your travels, you may have coverage under Travel Medical Protection. Allianz Travel Insurance Coverage Review Is It Worth It? The travel insurance coverages that come with your credit card can be sufficient to cover simple trips. Court subpoenas, orders to report for active duty, physician orders, etc. You can request a receipt for any flight taken in the past 13 months, For proof of delay or cancellation, submit an online request through their. Do not sell or share my personal information. We do so because these benefits, especially the long list of travel insurance coverages on premium cards, can save you money, offer peace of mind during your travels, and provide help if something goes wrong. Megan has built and directed remote content teams and editorial strategies for websites like GoAbroad and Go Overseas. Exploring the World of Knowledge and Understanding. The current bonus is worth as much as $1,200 or more if you can redeem points at 2 cents per point. Reach out to Alaska Airlines customer care at 1-800-654-5669. The current welcome offer on this card is quite lucrative. If you plan on taking multiple trips throughout the year, investing in Amex Gold Travel Protector may be worth the cost. 3x on eligible Delta purchases, 1x on all other purchases (that can become 1.5x after you spend $150,000 in a calendar year.) Intoxication is defined by the laws of the jurisdiction where such accident occurs, The eligible traveler being under the influence of any narcotic or other controlled substance at the time of an accident, unless the narcotic or other controlled substance is taken and used as prescribed by a Physician, The eligible traveler's commission or attempted commission of any illegal or criminal act, including but not limited to any felony, The eligible traveler parachuting from an aircraft, The eligible traveler engaging or participating in a motorized vehicular race or speed contest, Dental treatment except as a result of accidental bodily injury to sound, natural teeth, Any non-emergency treatment or surgery, routine physical examinations, Hearing aids, eyeglasses or contact lenses, One-way travel that does not have a return destination. Editorial disclaimer: Opinions expressed here are the authors alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities. Types of Amex Gold card Travel Insurance When comparing other package policies to American Express Travel Insurance, the companys premiums came up higher overall for this specific trip and traveler (1-week trip, 40-year-old, total value $3,000). However, it is important to note that this cost can add up quickly, so it is important to make sure you are getting the most bang for your buck. Her successful insurance and financial services career has been an excellent foundation from which to source her knowledge for many of Upgraded Points travel insurance articles. Terms apply. American Express premium credit cards offer some of the best perks in the credit card space. Our partners compensate us. The most important factors to consider are that youre purchasing from a highly-rated company, the coverages are a match for your needs, and the premium is one with which youre comfortable paying. In order to have coverage for voluntary trip cancellations, you would need to purchase Cancel for Any Reason Insurance (CFAR). You can use points earned with the AmEx Gold to offset flights booked through American Express Travel, AmEx's easy-to-use travel portal, but you'll only get one cent per point in value. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). to get secondary coverage of up to $50,000 for damage or theft. This is because you can convert 1 point into 1.33 Nectar points via the Avios partnership. The Amex Gold is a valuable option for U.S.-based customers who spend heavily on dining and groceries at U.S. supermarkets and are looking for an in-between, "premium-lite" card that offers good returns without a hefty price tag. Do you have knowledge or insights to share? The Gold Card has an annual fee of $250, which is effectively $30 when you factor in its monthly statement credits at select restaurants and its airline fee credit. These complimentary coverages are useful and can offer more than adequate coverage for most trips. And the maximum benefit for each of these is capped at a certain amount. If so, where might I find the details and how to price it? The policy offers comprehensive coverage, 24/7 customer service, and potential savings. We frequently discuss the travel insurance coverages that are offered complimentary on most credit cards. The scam typically involves promising the victim a significant share of a large sum of money, in return for a small up-front payment, which the fraudster claims will be used to obtain the large sum. This AmEx collision damage waiver, or CDW, covers damage and theft to the car you rent. Exploring the Benefits and Costs, Can Americans Travel to Palestine? It is designed for people with excellent credit and offers rewards, travel benefits, and other perks. AmEx also places a $250 cap on the amount that it will reimburse for "high risk items" such as jewelry, cameras, sports equipment, computers or other precious metals. However, this does not influence our evaluations. However, all American Express credit cards offer an optional "Premium Car Rental Protection policy" that can be added to rentals made using the card for a small fee. Annoyance with a side of omelet: Was my day-use hotel room worth the hassle? Most credit card travel insurance coverage is secondary and in excess of other coverage you might have. Cruise >> Specialized coverage for your unique travel concerns when setting sail. If you're outside of the United States, you can call collect at 1-303-273-6497. Your email address will not be published. Earn 5X Membership Rewards Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year. The American Express Gold Card is a great card for dining out, ordering takeout and traveling, but it comes with a relatively high $250 annual fee ( see rates and fees ). Bottom Line: Travel insurance does not cover canceled trips due to fear of getting COVID-19 or a government declaration that a specific destination is unsafe. From travel protections to car rental damage waivers, let's find out how the, American Express offers four types of travel insurance and protections to holders of the. 3x on eligible Delta purchases, 1.5x on purchases of $5,000 or more (up to 50,000 additional miles per calendar year), 1x on all other purchases. If worrying about having to cancel your trip or having it disrupted during your journey is an issue, purchasing a travel insurance policy will definitely deliver some peace of mind, both prior to and during your trip. Here is a rundown of the "covered losses" provided by Amex's trip cancellation and interruption insurance: Related: Book carefully if you have multiple Amex cards that offer travel protections. TPG has a guide of the best American Express cards, but here are some of the best cards in terms of the return you could receive when renting a car. A pretty easy target to hit, especially if you're putting all your food and travel purchases on it, and these super valuable points are definitely worth the wait. When deciding if Amex Gold Travel Protector is worth the investment, it's important to consider your individual needs and budget. Cost includes $12.95 plus applicable local sales tax. This influences which products we write about and where and how the product appears on a page. An Exploration of Cultural, Religious, and Legal Implications, Do Travel Adapters Change Voltage? The limits of coverage differ based on the policy plan you select. For years, the Amex Gold Card has been one of the strongest travel cards on the market thanks to a reasonable annual fee and some unbeatable bonuses on groceries and dining that make it a go-to card to earn more points for everyday expenses. If you prepaid for your trip and cannot. You can typically get this at the airport when the delay or cancellation is announced, but keep in mind that it may require a supervisor. Image Credit: Upgraded Points Another downside that may or may not be important is that American Express Travel Insurance does not sell annual or multi-trip policies. Terms apply. For reference, the six "freebies" are: The Blue Cash Everyday Card. Regardless, it's still a smart idea to have some protections in place, like baggage insurance. Terms apply. Before you start filing a claim, make sure you have the documents listed above. Terms apply. Does the American Express Gold Card have travel insurance? As travel restrictions change, policies and best practices will likely change as well. American adds new transcontinental route to Orange County. Learn more: How to file travel insurance claims. Related: Best credit cards for trip cancellation and interruption insurance. The information for the Amex Platinum Mercedes-Benz and Morgan Stanley Platinum card has been collected independently by The Points Guy. AmEx doesn't provide coverage for vehicles rented in Australia, Italy or New Zealand. This may influence which products we review and write about (and where those products appear on the site), but it in no way affects our recommendations or advice, which are grounded in thousands of hours of research. For example, this service can help you arrange emergency medical referrals. Opinions expressed here are the authors alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities. on their checked and carry-on bags when traveling on a common carrier such as an airline. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). One downside, especially in todays environment, is that American Express Travel Insurance does not sell CFAR insurance. To activate this coverage, just pay for the entire rental with your American Express Gold Card and decline the rental company's collision damage waiver product. The specific coverage will depend on the type of policy you purchase and the country you are traveling to. Yes, the Amex Gold card does have travel insurance benefits, the best of which are car rental loss and damage insurance and baggage insurance. You can accomplish this by strategically using each card for purchases where it earns the most bonus points. Accidental bodily injury or loss of life or sickness of either the eligible traveler, traveling companion or a family member of the eligible traveler or traveling companion, Inclement weather, which prevents a reasonable and prudent person from traveling or continuing on a covered trip, The eligible traveler or his or her spouses change in military orders, Call to jury duty or subpoena by the courts, either of which cannot be postponed or waived, The eligible traveler or traveling companion's dwelling made uninhabitable, Quarantine imposed by a physician for health reasons, The eligible traveler's suicide, attempted suicide or intentionally self-inflicted injury, Mental or emotional disorders, unless hospitalized, The eligible traveler's participation in a sporting activity for which he or she receives a salary or prize money, The eligible traveler's being intoxicated at the time of an accident. Hot Tip: Due to the overall decrease in travel, many travel insurance companies now allow you to cancel your travel insurance and receive a full refund or extend your policy without extra charges. Additional Info Rates & Fees Amex Gold Card - Is It Worth it? Typically, you have up to 180 days to file a claim after a delay or cancellation. In addition to providing coverage for a variety of potential problems, Amex Gold Travel Protector also offers a number of other benefits. Many of the credit card offers that appear on this site are from credit card companies from which we receive financial compensation. Enrollment required. Each of these travel protections has limits, exclusions and requirements. You may also have coverage if you become ill due to COVID-19 during your travels. Amex outlines what is not covered, which includes the following: When you have a delay or trip cancellation/interruption that you think qualifies for coverage, you can file a claim by calling Amex at 1-844-933-0648 within 60 days of the covered loss. We used policy comparison websites and found similar but not identical policies. Note, the estimated return rate for these cards is based on TPGs latest valuations: The information for the Amex EveryDay Preferred card has been collected independently by The Points Guy. We chose a week-long trip for a 40-year old that cost $3,000. How Much Are Travel Points and Miles Worth in 2023? There is no doubt that American Express is a financially-stable, established, and well-respected travel insurance company. Terms apply. AmEx provides many travel advice and assistance services free of charge. To the car you rent change, policies and best practices will likely change as well more... 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