There are even more places your Platinum Card can get you complimentary entry and exclusive perks. Amex Gold Travel Protector covers a variety of potential issues that may arise during your travels, including trip cancellation and interruption coverage, medical and dental coverage, and baggage protection. It can be relatively expensive, especially if you are planning multiple trips throughout the year. Learn more: How to file travel insurance claims. Terms apply. Learn more: The best travel credit cards may surprise you. For more information on our advertisers, see here. Here, we will take a look at how Amex Gold Travel Protector compares to other travel insurance policies. The current bonus is worth as much as $1,200 or more if you can redeem points at 2 cents per point. Travel accident insurance on offer: Another benefit given to American Express card holders is travel accident insurance. Learn more. I was unable to find an annual travel insurance policy option for U.S. citizens offered by American Express. Bottom Line: The longer, more expensive, and more complicated your trip, the greater the need for a comprehensive travel insurance policy. However, it can still be an excellent resource when you need help before or during your travels. The specific coverage will depend on the type of policy you purchase and the country you are traveling to. See what a point or mile is worth with our appraisals of a loyalty programs currency, based on redemption values. Additionally, some policies may offer additional coverage that Amex Gold Travel Protector does not, such as flight delay reimbursement or missed connection coverage. Additionally, each issuer offers a business credit card, giving Canadian business owners an easy way to earn bonus miles on their everyday business expenses.How do I contact TD Credit Cards? Empowering Lives with Nutritious and Delicious NDIS Meals! The American Express Preferred Rewards Gold card is issued directly by American Express and has recently been changed from a charge card to a credit card. 1.33 Nectar points are worth 0.66p when spent at Sainsbury's, Argos or eBay. Want more credit card news and advice from TPG? The annual fee on the American Express Gold card is $250 (see rates & fees ). Click here to see a list of advertisers that we work with. 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. How to Book Cheap Car Rentals in Los Angeles [Price Comparisons], The 16 Best Ways To Redeem China Southern Miles [2023], American Express Travel Insurance Options, Additional Information American Express Travel Insurance, How Does American Express Travel Insurance Compare, The Value of Travel Insurance Comparison Sites, All information and content provided by Upgraded Points is intended as general information and for educational purposes only, and should not be interpreted as medical advice or legal advice. The Amex Cobalt has a huge welcome bonus worth up to 30,000 points after spending $500 every month for the first year. Each of these travel protections has limits, exclusions and requirements. Be sure to include the names of everyone in your party, flight confirmation number, flight numbers, travel dates and your contact information. To activate this coverage, all you need to do is pay for the entire cost of the flight, train, bus or cruise with your, travel insurance protection covers cardmembers when they rent a car. Our partners compensate us. But families don't get a break on premiums. The annual fee is relatively high at $550, but it comes with a range of exclusive benefits, including airport lounge access, 5x points on select flights, and free hotel stays . But, don't worry if you booked a complicated itinerary. As travel restrictions change, policies and best practices will likely change as well. Additionally, its imperative that if youre worried about having medical coverage while traveling, youd want to purchase a travel insurance policy that provides medical coverage. Could be worth it. Rent a car with your American Express Gold Card to get secondary coverage of up to $50,000 for damage or theft. NerdWallet's ratings are determined by our editorial team. Still, it can be confusing to know what is covered and the right documentation you need to file a claim. However, if youre investing in an expensive trip or 1 that involves multiple travel providers, purchasing a comprehensive travel insurance policy is a prudent move. We take your comments very seriously as they really help us to improve the site. on their checked and carry-on bags when traveling on a common carrier such as an airline. A counterfeit scheduled airline or train ticket; or a scheduled airline or train ticket which is charged to a fraudulently issued or fraudulently used eligible card. Another downside that may or may not be important is that American Express Travel Insurance does not sell annual or multi-trip policies. Youll normally be working with 2 (or more) entities to get your claim resolved. Amex Gold Travel Protector offers a range of coverage options, including trip cancellation and interruption coverage, medical and dental coverage, baggage protection, and more. What is Delta Air Lines elite status worth in 2023? It also does not cover canceling your trip due to a government shutdown due to COVID-19, or a surge in cases in a particular area. But, don't worry if you booked a complicated itinerary. Travel insurance policies can offer higher limit options. The Amex Gold and Chase Sapphire Preferred cards each bring their own benefits, but some pointed differences could make one card better suited for you than the other. When not traveling, Megan adventures around her Midwest home base where she likes to attend theme parties, ride her bike and cook Asian food. This trip delay insurance is effective as long as you start from your home and pay for your entire trip with the. However, it can still be an excellent resource when you need help before or during your travels. Who's covered: This policy covers both primary and additional cardholders, as well as cardmembers spouses or domestic partners and any dependent children under 23 years old. Norway, officially the Kingdom of Norway, is a Nordic country in Northern Europe, the mainland territory of which comprises the western and northernmost portion of the Scandinavian Peninsula.The remote Arctic island of Jan Mayen and the archipelago of Svalbard also form part of Norway. Cardholders can make up . Yes, overall. For more information, see our. Amex Platinum has more travel perks, like lounge access, Global Entry fee credit, elite hotel status, and luxury travel discounts. The company offers competitive travel insurance package policies but also allows the traveler to build their own policies with only the coverages they deem necessary. (Enrollment required for select benefits.). Carry-on bags are covered for up to $1,250, which is good to know since your belongings could be stolen from the overhead bins. When evaluating offers, please review the financial institutions Terms and Conditions. Pre-qualified offers are not binding. Yes in fact, several kinds. After all, American Express Membership Rewards points are valued at up to 2.1 cents each. The premiums for such coverage are also very competitively priced. When evaluating whether or not Amex Gold Travel Protector is worth it, the most important factors to consider are the types of coverage offered and the cost of the policy. Find the right card for you. The coverage on the $102 Assistance USA plan above compares more with the Amex Gold plan at $157. When you purchase travel insurance and your trip is canceled, you expect to have coverage. Then, AmEx will automatically reimburse up to $50,000 in damage or theft for most rentals up to 30 days in length. There are two situations in which travel insurance can be worthwhile: to protect your trip and to protect your health. Get more smart money moves straight to your inbox. Anyone know more about the GTP coverage? $240 Digital Entertainment Credit: Get up to $20 back each month on eligible purchases made with your Platinum Card on one or more of the following: Audible, Disney+, The Disney Bundle, ESPN+, Hulu, Peacock, SiriusXM, and The New York Times. Terms apply. This is why you need to pay attention to the benefits each of your travel rewards cards offers. Most credit card travel insurance coverage is secondary and in excess of other coverage you might have. If you're outside of the United States, you can call collect at 1-303-273-6497. The plan you select and the level of coverage limits chosen determine the amount of the premium cost. Here, we will take a look at the pros and cons of Amex Gold Travel Protector. This example shows the levels of coverage available and the associated premium costs. Amex's highest level of coverage offers decent protection that will suit most people, but some travelers will want more. While American Express Travel Insurance does not cover trip cancellation due to fear of contracting COVID-19, there may be coverage in certain circumstances. You can see the entire list of cards that offer secondary car rental protection on the American Express website. Terms apply. To receive coverage, you also need to pay for the entire fare with an eligible American Express card or by using Membership Rewards points to book tickets through Amex Travel. Does AMEX offer an Annual Travel Insurance Policy? No responsibility will be taken by the bank advertiser for these comments. The card details on this page have not been reviewed or provided by the card issuer. In order to protect yourself and your finances, its important to consider investing in travel insurance. The best travel credit cards may surprise you. Our opinions are our own. Terms apply. For example, you'll generally need to pay for trips with your American Express Gold Card to get these travel protections. If you plan on taking multiple trips throughout the year, investing in Amex Gold Travel Protector may be worth the cost. Her previous experience involved building and writing business plans in the mergers and acquisitions sector in New York, as well as staffing in the insurance and financial technology software field. Breeze through security with CLEAR lanes available at 100+ airports, stadiums, and entertainment venues and get up to $189 back per calendar year on your membership when you use your Card. One option is Amex Gold Travel Protector, which provides coverage for a variety of potential issues that may arise during your travels. And it's not just the cardmember's bags that are covered. Lets take a closer look at each of these elements. Many of the credit card offers that appear on this site are from credit card companies from which we receive financial compensation. From travel protections to car rental damage waivers, let's find out how the American Express Gold Card travel insurance works. 1The Cash Back refund option applies if the Travel Protection Plan Plus is purchased within seven (7) days of your initial deposit for your trip. This could be a huge plus if you are not interested in duplicating credit card travel insurance coverages or in having just secondary or excess coverage. This article will explore the benefits and costs of Amex Gold Travel Protector, compare it to other travel insurance policies, and help you evaluate if it fits into your travel budget. 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. NerdWallet Compare, Inc. NMLS ID# 1617539, NMLS Consumer Access|Licenses and Disclosures, California: California Finance Lender loans arranged pursuant to Department of Financial Protection and Innovation Finance Lenders License #60DBO-74812, Property and Casualty insurance services offered through NerdWallet Insurance Services, Inc. (CA resident license no. The American Express Gold Card is packed with valuable rewards and benefits that make it an easy choice for everyday spenders and frequent travelers. $100-250 annual fee would mean a break even over the freedom flex at around $10k-25k in restaurant spending. Yes, the Amex Gold card does have travel insurance benefits, the best of which are car rental loss and damage insurance and baggage insurance. Prices ranged from $59 to $208 to cover the entire trip. 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. Up to 4 claims a year are allowed. Trip delay insurance reimburses expenses when your travel plans are delayed by more than 12 hours. Exploring the Pros, Cons, and Benefits of Utilizing Professional Vacation Planning Services. We frequently discuss the travel insurance coverages that are offered complimentary on most credit cards. Prices will vary considerably based on the types of coverages selected, age, and limits of each coverage. Terms apply. Here is an overview of the process that major U.S. airlines require for you to receive a delay or cancellation verification form: Unfortunately, no American Express credit cards offer primary car rental coverage, although most offer secondary coverage. Terms apply. We've crunched the numbers and come to the conclusion it can easily be worth that $250 annual fee. Terms apply. We may be compensated when you click on links from one or more of our advertising partners. Youll enjoy additional coverage if you use The Platinum Card from American Express, The Business Platinum Card from American Express, the Platinum Card from American Express Exclusively for Mercedes-Benz and Morgan Stanley-branded Platinum Card (but not the Delta SkyMiles Platinum American Express Card). Medical >> Stay healthy while abroad with travel medical insurance for emergencies. ). Amex Gold Travel Protector generally offers more comprehensive coverage than other policies, but it is often more expensive. is best known for its dining, grocery and rideshare perks. CFAR is not a stand-alone insurance policy it is an add-on coverage you select when you purchase a travel insurance policy or coverage you may be able to add to a travel insurance policy after purchase, within an initially specified timeframe. One of the lesser known benefits of some of Amex's most premium cards is its Premium Global Assistance. The travel insurance coverages that come with your credit card can be sufficient to cover simple trips. These include up to $120 in Uber Cash, up to $120 in dining. Then, AmEx will automatically reimburse up to $50,000 in damage or theft for most rentals up to 30 days in length. 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. 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. is a former TPG writer, covering everything from the latest deal to deeper guides with a focus on beginners. The Gold Plan selected offers up to $100,000 in emergency medical, up to $750 in emergency dental, and up to $100,000 in emergency evacuation/repatriation. 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. The high annual fee is only worth it if youre taking full advantage of the cards benefits. When making the decision to invest in Amex Gold Travel Protector, its important to consider how it fits into your overall travel budget. Image Credit: Upgraded Points There is also no coverage for canceling a trip due to a U.S. State Department announcement warning of COVID-19 in a particular area. Many of the credit card offers that appear on this site are from credit card companies from which we receive financial compensation. Ultimately, the decision to invest in Amex Gold Travel Protector should be based on your individual needs and budget. Court subpoenas, orders to report for active duty, physician orders, etc. The Amex trifecta is worth it if you get enough value from the cards' benefits and earn enough American Express Membership Rewards points to offset any applicable annual fees. Youd also want a travel insurance policy if your trip has a complicated itinerary or if youre anxious about the possibility of having to cancel any portion of the journey. The AmEx Global Assist Hotline services available to. If youre a senior and want to learn more about purchasing travel insurance in your 60s, 70s, and beyond, the tips in our article will help guide you in the right direction. This should be done as soon as possible, but. 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. 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. You must purchase a new policy for each individual trip. These items include jewelry, sporting equipment, photographic or electronic equipment, computers and audio/visual equipment. This bonus value is an estimated valuation. If youre booking a trip that has a complicated itinerary, involves several travel providers, or is more than a week in length, you might consider a comprehensive travel insurance policy. You may also have coverage if you become ill due to COVID-19 during your travels. Get $200 back in statement credits each year on prepaid Fine Hotels + Resorts or The Hotel Collection bookings, which requires a minimum two-night stay, through American Express Travel when you pay with your Platinum Card. Here, we will take a closer look at the coverage offered by Amex Gold Travel Protector. Bottom Line: Knowing a travel insurance companys age pricing brackets can help you determine which company offers you the best value for your money. However, if you are only planning one trip, it may be more cost effective to purchase a separate travel insurance policy. American Express premium credit cards offer some of the best perks in the credit card space. While lounge access and travel credits are typically the highlights of these cards, some of the lesser-known benefits, such as trip delay reimbursement and trip cancellation and interruption insurance, are becoming hot topics as the coronavirus pandemic continues to impact the travel industry. Enrollment required. You want a travel credit card that prioritizes whats important to you. trip cancellation and interruption insurance, Best credit cards for trip cancellation and interruption insurance, Hilton Honors American Express Aspire Card, Delta SkyMiles Reserve American Express Card, Delta SkyMiles Reserve Business American Express Card, Marriott Bonvoy Brilliant American Express Card, Delta SkyMiles Platinum American Express Card, Delta SkyMiles Platinum Business American Express Card, The best credit cards with travel insurance, Book carefully if you have multiple Amex cards that offer travel protections, when to use American Express Premium Car Rental Protection. AmEx doesn't provide coverage for vehicles rented in Australia, Italy or New Zealand. However, the credit card information that we publish has been written by experts who know these products inside out, and what we recommend is what we would (or already) use ourselves. One way to easily compare pricing and coverages is to utilize a travel insurance comparison site to narrow down the appropriate options for your situation. Fortunately, travel insurance is widely available, reasonably affordable, and simple to secure. For more information about the coverage offered by Amex Gold Travel Protector, please refer to their website. Here is a list of our partners. For example, if you are 40 years old, youre going to pay less than a 41-year-old in the next pricing bracket but the same as a 17-year-old. Opinions and recommendations are ours alone. Earn 80,000 Membership Rewards points after you spend $6,000 on purchases on your new Card in your first 6 months of Card Membership. So ~4% Amex gold vs. 3% Freedom Flex. Additionally, the policy provides access to 24/7 customer service, emergency assistance, and legal advice. Terms apply. Assigning Editor | Travel, SEO, Travel Loyalty Programs. Hilton Honors American Express Aspire Card: The Amex EveryDay Preferred Credit Card from American Express, Everything you need to know about Amex's baggage insurance plan. While the American Express Gold Card isn't a premium travel card, it still offers core travel insurance protections that can make it the go-to card for booking travel and rental cars. Christine was born in Northern Michigan but spent most of her career operating her own business developing and managing insurance and financial services offices throughout the state. It is better for dining out and U.S. supermarkets. We used policy comparison websites and found similar but not identical policies. Cost includes $12.95 plus applicable local sales tax. One of the main advantages of Amex Gold Travel Protector is the comprehensive coverage it offers. 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. Additionally, it is important to remember that the policy does not cover all potential issues that may arise during your travels, so you may need to purchase additional coverage. In conclusion, Amex Gold Travel Protector can be a great way to protect yourself and your finances during your travels. There is no doubt that American Express is a financially-stable, established, and well-respected travel insurance company. We chose a week-long trip for a 40-year old that cost $3,000. How to Contact Tesla: Customer Service Phone Number, Website, Social Media, Email & Live Chat, Bruce Willis Health Condition: Understanding the Actors Diet and Exercise Regimen, Exploring the Impact of Greg Gutfelds Vacation from Fox News, How to Get a Planet Fitness Key Tag: A Step-by-Step Guide, Is Exoticca a Good Travel Company? Get up to $300 back per calendar year on the Equinox+ digital fitness app, or eligible Equinox club memberships when you pay with your Platinum Card. Your trip also isnt covered if you used a combination of miles and dollars unless the miles came from a Membership Rewards transfer. AmEx even covers the loss or damage of bags on the way to or from the "common carrier terminal" (e.g., the airport). Lost or stolen passports or travel documents. as your travel assistant. Learn more. 3x on eligible Delta purchases, 1x on all other purchases. Let's dig into the details. Families: I'm not saying families should flat-out reject American Express Travel Insurance. The Bottom Line: This plan is solid travel insurance protection from a reliable company. TPG values it at $1,600. Finally, Amex Gold Travel Protector may provide additional savings in the form of discounts on certain activities or attractions. If anyone on our team wouldnt recommend it to a friend or a family member, we wouldnt recommend it on The Points Guy either. This AmEx collision damage waiver, or CDW, covers damage and theft to the car you rent. Each has its own levels of coverage and associated premium cost. 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. With Amex Platinum Trip Cancellation Insurance, you're are eligible for up to $10,000 per trip (with a maximum payout of $20,000 per 12-month period) for flight cancellations occurring due to a covered reason (such as inclement weather, jury duty, injury, illness, etc. 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. Final Thoughts In conclusion, the benefits of this card are pretty good, but not as good as they might first seem. To their website valued at up to $ 50,000 in damage or theft for most rentals up to cents... Issues that may arise during your travels trip with the Amex Cobalt has huge! 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