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American Express Travel Insurance

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LAST UPDATED: February 3rd, 2021

American Express offers automatic travel insurance when you pay for travel or flights booked with many of its credit cards. The company also offers travel insurance for purchase, whether you have an American Express card or not.

Users can opt-in to an insurance plan with options ranging from Basic, Silver, Gold, and Platinum or make their own plan.

The company’s plans include coverage for individuals and families or groups, 24-hour assistance, and standard coverage for trip cancelation, medical expenses, and luggage.

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The Good

  • Baggage Insurance
  • Unexpected Job Termination
  • Customer Service
  • Car Rental Insurance

Baggage Insurance

Most trip insurance plans offer a benefit if your baggage is delayed after a flight for over 12 hours. American Express, however, offers benefits starting with just a three-hour delay for the Platinum plan and a six-hour delay for the other two plans.

Unexpected Job Termination

AmEx plans cover cancelation due to unexpected job termination, standard. This is one of the few providers to cover this type of cancelation insurance.

Customer Service

American Express offers 24/7 customer assistance toll-free and collect phone numbers. Customer support can help with pre-trip questions and concerns, as well as assistance once your trip has begun.

Car Rental Insurance

The company also offers optional rental car insurance coverage, from $12.25-$24.95, depending on several factors.


The Bad

  • Exclusions
  • Cancel for Any Reason
  • Extreme Sports


American Express Travel Insurance is only available to permanent residents of the 50 states, including Washington, D.C.

Cancel for Any Reason

American Express Travel Insurance doesn’t either include or make options to help with a Cancel for Any Reason (CFAR) coverage.

Extreme Sports

If you plan to do any extreme sports or hazardous activities while on your trip, please be aware that American Express doesn’t offer an add-on for extreme sports like bungee jumping or cliff jumping.


The Bottom Line

American Express offers pretty standard travel insurance benefits with its assistance and coverage for trip cancellation, travel medical coverage, and baggage. Where this provider lacks is in CFAR coverage and extreme sports coverage.

Where this insurance provider shines is with its unexpected job termination cancelation benefit and its shorter than average wait times for its baggage delay benefit.

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Mike Salt Lake City, UT

I crashed my car in London and Amex Travel took care of it. The process wasn't overburdensome and they covered the costs. I've been with Amex for over 20 years. They're great.

3 years ago

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Joannetta Jarman Secaucus, NJ

Paired with the use of an amex card when travelling you feel invincible to anything. It has saved us so many times on missed flights, lost luggage, etc. Great travel insurance program.

3 years ago