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. If you plan on taking multiple trips throughout the year, investing in Amex Gold Travel Protector may be worth the cost. However, this does not influence our evaluations. Your email address will not be published. Bookings made with miles will be refunded in the form of a travel certificate. 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 ). If you'd like to add a comment to this article and share your valuable feedback and opinions, please click here to leave your comment. In exchange for the annual fee, you'll unlock access to the Amex Membership Rewards program that let you access airline and hotel transfer partners, along with new lifestyle and travel credits. 2x on Uber business rides; 1x on all other purchases, 4x at restaurants and at U.S. supermarkets (up to $25,000 per calendar year; then 1x), 3x on flights booked directly or with. travel insurance takes effect only when your trip is delayed more than 12 hours due to: Note that you must be on a trip starting from your city of residence to be covered. Types of Amex Gold card Travel Insurance Terms apply. 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. If you're starting to travel again, it's also a good idea to consider booking refundable travel. As long as you paid full fare on a common carrier, your flight is. Depending on your individual needs, it may be necessary to purchase additional coverage. Here are some of the most popular, easy-to-use comparison sites that only feature highly financially-rated travel insurance companies. You become ill during your trip and must return home versus continuing on your journey. 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. I have purchased annual plans via Allianz and Travel Guard. 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. Compare the cost in points or miles to cash, and see which option is best. For more information about the coverage offered by Amex Gold Travel Protector, please refer to their website. This is because you can convert 1 point into 1.33 Nectar points via the Avios partnership. 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. on their checked and carry-on bags when traveling on a common carrier such as an airline. 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. How much it covers: Most American Express credit cards will cover replacement costs for checked bags and their contents up to $500 per person, although so-called high-risk items are only covered for a maximum of $250. 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. Click here to see a list of advertisers that we work with. If you're an everyday cardholder wondering if the Amex Gold is worth it for you, take it from us: The Amex Gold is one of the best cards on the market if you spend heavily on food and make the most of its perks on dining and travel. After all, American Express Membership Rewards points are valued at up to 2.1 cents each. Additionally, some credit cards offer discounts on Amex Gold Travel Protector when purchased through their platform. Here are a few situations where travel insurance could cover your loss: Whether you should purchase travel insurance or not is a personal decision. For more information on our advertisers, see here. The Amex Gold's current welcome bonus offer is 60,000 Membership Rewards points after spending $4,000 on purchases in the first 6 months. Nearly all of Amex's premium rewards cards offer baggage insurance. Most credit card travel insurance coverage is secondary and in excess of other coverage you might have. While this premium rewards credit card charges a $250 annual fee, several Amex Gold benefits make paying this fee well worth it. For package travel insurance policies, you might be able to realize modest savings by shopping around, but you wont go wrong with the company selection of choosing American Express Travel Insurance. When considering Amex Gold Travel Protector, its important to understand what types of coverage it offers. For example, if you become sick with the virus and have to cancel your trip as a result, you may have coverage under trip cancellation insurance. Want more credit card news and advice from TPG? Terms apply. It has relevant bonus . Disclaimer: Any comments listed below are not from the bank advertiser, nor have they been reviewed or approved by them. When deciding whether or not Amex Gold Travel Protector is worth it, its important to consider both the advantages and disadvantages of the policy. Here are our picks for the. This site does not include all credit card companies or all available credit card offers that are on the market. 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. 3X FOR FLIGHTS BOOKED WITH AIRLINES Dave Herholz (CC BY-SA 2.0) via Flickr You can select a package policy that includes several types of coverages in 1 plan or you can build your own travel insurance plan and select just the coverages that are important to you. Get Travel Guard quotes now Instant quotes from TravelInsurance.com partner site Coverage This trip delay insurance is effective as long as you start from your home and pay for your entire trip with the American Express Gold Card including all round-trip and one-way travel along the way. The average initial bonus is 31,338 points/miles or $230 cash back. Terms apply to offers below. If losing your trip investment or having to pay for extra expenses if the trip is disrupted makes you uncomfortable or would present a financial burden, then you should purchase a comprehensive travel insurance policy. This information may be different than what you see when you visit a financial institution, service provider or specific products site. Selecting a company is not difficult as there are dozens of reputable, highly financially-rated, established companies, but comparing policies is essential for getting the best value for your money. All permanent U.S. residents are eligible to purchase travel insurance with American Express. It clocks in at $695 per year (see rates & fees ), and that's not waived for the first year either. document.getElementById( "ak_js_1" ).setAttribute( "value", ( new Date() ).getTime() ); Proudly powered by WordPress 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. You might look to a company specializing in insuring these activities such as World Nomads. 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. Apply and select your preferred metal Card design: classic Platinum Card, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu. It is important to remember that Amex Gold Travel Protector does not cover all potential issues that may arise during your travels. 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. Blue from American Express. We used policy comparison websites and found similar but not identical policies. Let's dig into the details. 2023 Upgraded Points, LLC. Be sure to include the names of everyone in your party, flight confirmation number, flight numbers, travel dates and your contact information. That is up from the previous bonus of 35,000 points. For more information on our advertisers, see here. You want a travel credit card that prioritizes whats important to you. One of the main advantages of Amex Gold Travel Protector is the comprehensive coverage it offers. Terms apply. So make sure your personal auto insurance covers your liability when renting cars. 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. You can find the full terms and conditions of what is generally covered on your respective card in your Guide to Benefits, which can be found through your online account. Pre-qualified offers are not binding. 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. 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. This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply. Terms apply. In order to protect yourself and your finances, its important to consider investing in travel insurance. This American Express Gold Card travel insurance takes effect only when your trip is delayed more than 12 hours due to: An equipment failure of the airline or common carrier. 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. This trip delay insurance kicks in when you pay for a trip with your American Express Gold Card or AmEx points. NerdWallet strives to keep its information accurate and up to date. Finally, there are potential savings available through bundling the policy with other services or through discounts offered by certain credit cards. Crypto Wallet Development: Types, Features, and Popularity, 5 Ways AI is Detecting and Preventing Identity Fraud. The premiums for such coverage are also very competitively priced. If you can max out all the benefits this card has to offer, it might become a cornerstone of your wallet. 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. Certain vehicle types are excluded such as cargo vans, motorcycles, mopeds and campers. And while our site doesnt feature every company or financial product available on the market, were proud that the guidance we offer, the information we provide and the tools we create are objective, independent, straightforward and free. NerdWallet's ratings are determined by our editorial team. Many of the credit card offers that appear on this site are from credit card companies from which we receive financial compensation. It is designed for people with excellent credit and offers rewards, travel benefits, and other perks. 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). Featured Image Credit: This site does not include all credit card companies or all available credit card offers that are on the market. Typically, you have up to 180 days to file a claim after a delay or cancellation. 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. The plan you select and the level of coverage limits chosen determine the amount of the premium cost. 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. That means you'll need to file with your personal auto insurance company first. The card details on this page have not been reviewed or provided by the card issuer. AmEx Global Assist can help with everything from visa and vaccination information before your trip, to emergency cash wires if things go wrong during your trip. Meanwhile, the yearly fee on the Platinum Card is much steeper. A Comprehensive Guide, Is Hiring a Travel Agent Worth It? Upgraded Points, LLC uses reasonable efforts to maintain accurate information on the site and prior to applying for any credit card offers found on UpgradedPoints.com, all visitors should review other features of such credit cards including but not limited to interest rates, annual fees and transaction fees, and should determine the suitability of such credit cards considering their own individual financial position. Is Amex Gold Travel Protector Worth It? Editors note: This post has been updated with new information. OK92033) Property & Casualty Licenses, NerdWallet | 55 Hawthorne St. - 11th Floor, San Francisco, CA 94105. 3x on all travel and at restaurants worldwide. From travel protections to car rental damage waivers, let's find out how the American Express Gold Card travel insurance works. The Bottom Line: This plan is solid travel insurance protection from a reliable company. AmEx Global Assist can help with everything from visa and vaccination information before your trip, to emergency cash wires if things go wrong during your trip. Let's dig into the details. Bouvet Island, located in the Subantarctic, is a dependency of Norway; it also lays claims to the Antarctic . 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. I'll use the Delta SkyMiles Reserve as an example. is not covered on travel insurance policies. Evacuation >> Be transported to an appropriate facility if ill or injured while traveling away from home. And it's not just the cardmember's bags that are covered. Our opinions are our own. Up to. Terms apply. Cardholders of the American Express Gold Card can get baggage protection on their checked and carry-on bags when traveling on a common carrier such as an airline. In addition to providing coverage for a variety of potential problems, Amex Gold Travel Protector also offers a number of other benefits. Yes in fact, several kinds. Ultimately, the decision to invest in Amex Gold Travel Protector should be based on your individual needs and budget. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion directly. American Express premium credit cards offer some of the best perks in the credit card space. This card is also incredibly rewarding for travel purchases, helping you rack up a ton of Membership Rewards points for your next award trip. Coverage is limited to $500 per trip and cardmembers are only eligible for two claims each 12 consecutive month period. Terms apply. 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. The information for the Amex Platinum Mercedes-Benz and Morgan Stanley Platinum card has been collected independently by The Points Guy. Travel insurance can help you avoid losing the investment you made when booking your trip, reimburse you for covered expenses should your trip be disrupted due to a covered event, or pay for emergency medical services. 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 . When evaluating offers, please review the financial institutions Terms and Conditions. Families: I'm not saying families should flat-out reject American Express Travel Insurance. We'll run a soft credit check to find special offers, but it wont affect your credit score. We believe everyone should be able to make financial decisions with confidence. Terms apply. But, don't worry if you booked a complicated itinerary. Earn 5X Membership Rewards Points on prepaid hotels booked with American Express Travel. American Express baggage insurance covers luggage that is lost, stolen, or damaged while traveling on a common carrier. Plus, your own feed of TPG content. This card's value can more than cover its $250 annual fee in the right hands. Luckily, there's Trip Cancel Guard. Unlock new opportunities and expand your reach by joining our authors team. 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. Sign up and well send you Nerdy articles about the money topics that matter most to you along with other ways to help you get more from your money. There are two situations in which travel insurance can be worthwhile: to protect your trip and to protect your health. $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Cancel for Any Reason Insurance must be purchased to cover these voluntary cancellations. Annoyance with a side of omelet: Was my day-use hotel room worth the hassle? The coverage on the $102 Assistance USA plan above compares more with the Amex Gold plan at $157. Learn more. Flexibility, point transfers and a large bonus: Bank of America Travel Rewards credit card. 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. Finally, credit cards do not come with medical insurance coverage. Additional reporting by Stella Shon and Madison Blancaflor. 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. What is Delta Air Lines elite status worth in 2023? Additionally, the policy provides access to 24/7 customer service, emergency assistance, and legal advice. I wrote this lengthy article on what American Express Membership Rewards points are worth. Realistically, Membership Rewards points are worth at least 0.66p. Once COVID-19 was declared a pandemic, it became a known event and therefore is not covered on travel insurance policies. Check here before booking an award fare. We used policy comparison websites and found similar but not identical policies. Related: The best credit cards with travel insurance. How Much Are Travel Points and Miles Worth in 2023? Seldom travelers may not get enough value to warrant the cost. helps coordinate services when things go wrong on a trip. document.getElementById( "ak_js_1" ).setAttribute( "value", ( new Date() ).getTime() ); Disclaimer:Upgraded Points, LLC and its website, UpgradedPoints.com, provides information on credit cards, reward programs, travel information and ancillary information concerning travel and credit cards. I have since found that Amex "travel insurance" offers 4 different packageswith "Basic" around the same price, however the benefits seem to be much less between the "Gold Travel Protector (GTP)" (at time of purchase) and the "Basic" travel insurance (after the fact) offers. It will NOT be published. $100-250 annual fee would mean a break even over the freedom flex at around $10k-25k in restaurant spending. Regardless, it's still a smart idea to have some protections in place, like baggage insurance. One of the documents required to file for trip delay reimbursement is a verification form that outlines the reason for the delay or cancellation by the carrier. 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. Over the years, airlines have been working on improving the baggage system by introducing live bag tracking. That's exactly the case with the Amex Platinum card. 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. You're still responsible for damage and injury done to others. 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. Pre-qualified offers are not binding. Click Registration to join us and share your expertise with our readers.). 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. Learn more: Rental car insurance explained. After working as a tax accountant for a decade, JT turned his analytical skills to points, miles and credit cards. AmEx doesn't provide coverage for vehicles rented in Australia, Italy or New Zealand. One way to save money with Amex Gold Travel Protector is to bundle it with other services, such as car rentals or hotel stays. <bi-shortcode id="table-of-contents-sticky" class="mceNonEditable" data-type="h2">Table of Contents: Masthead Sticky</bi-shortcode><bi-shortcode id="summary-shortcode . In addition, if your trip is an expensive one, even if its simple and short, it would be prudent to cover your investment with a travel insurance policy. New trip cancellation and interruption insurance from American Express credit cards will provide you with up to $10,000 in coverage (and up to $20,000 per account per year) you can use for . Medical >> Stay healthy while abroad with travel medical insurance for emergencies. 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. Yes, overall. Our partners cannot pay us to guarantee favorable reviews of their products or services. (Enrollment required for select benefits.). Terms apply. Click here to see a list of advertisers that we work with. to book travel to get up to $1,250 in coverage for lost or stolen baggage and up to $300 in reimbursements during a covered delay of 12 hours or more. Bottom Line: Utilizing a travel insurance comparison website can help you quickly narrow your choices to policies that fit your needs and your budget. Fortunately, travel insurance is widely available, reasonably affordable, and simple to secure. Even with a steep annual fee, you'll get excellent dining and travel perks that can help make up for the cost. With so many different coverage options, its difficult to compare apples to apples. 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. Exploring the Pros, Cons, and Benefits of Utilizing Professional Vacation Planning Services. Here is a list of our partners. Each has its own levels of coverage and associated premium cost. This is why you need to pay attention to the benefits each of your travel rewards cards offers. Here, we will take a look at some of the ways you can save money with Amex Gold Travel Protector. Terms apply. 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. How to book better and avoid flight delays. Terms apply. Amex Gold Travel Protector offers a range of coverage options, including trip cancellation and interruption coverage, medical and dental coverage, baggage protection, and more. Additionally, some policies may offer additional coverage that Amex Gold Travel Protector does not, such as flight delay reimbursement or missed connection coverage. The current welcome offer on this card is quite lucrative. Use your American Express Gold Card to book travel to get up to $1,250 in coverage for lost or stolen baggage and up to $300 in reimbursements during a covered delay of 12 hours or more. The American Express Gold Card is best known for its dining, grocery and rideshare perks. However, it can still be an excellent resource when you need help before or during your travels. Plus Ups are excluded. This benefit can quite literally be a lifesaver if you or an immediate family member run into any unexpected issues or accident on your trip. Best card for premium perks while traveling, Capital One Venture X Rewards Credit Card, The Business Platinum Card from American Express, Quick Points: Use Virgin Atlantic's new calendar search feature to find Delta partner award space. [1] [2] If a victim makes the payment, the . This post contains references to products from one or more of our advertisers. Terms apply. You must purchase a new policy for each individual trip. 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. Coverage limits are set on credit card travel insurance. However, if you need outside help such as emergency translation or legal assistance you'll be on the hook for payments to third-party service providers. Trip delay insurance reimburses expenses when your travel plans are delayed by more than 12 hours. This bonus is worth roughly $402, according to WalletHub's calculations. 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. Excess of other benefits information from your credit score or information from your credit report please! People with excellent credit and offers Rewards, travel benefits, and simple secure! Injured while traveling on a trip due to a U.S. State Department announcement warning of COVID-19 in a particular.! Taking multiple trips throughout the year, investing in travel insurance Terms.! Mopeds and campers cents each day-use hotel room worth the cost in points or miles cash... 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Protector when purchased through their platform and rideshare perks a large bonus bank! 12 hours max out all the benefits this card is best some credit do... 'Re starting to travel again, it became a known event and therefore is covered., Amex Gold travel Protector should be able to make financial decisions with confidence case with the Platinum. To join us and share your expertise with our readers. ) a side of omelet: Was my hotel! In Australia, Italy or new Zealand travel insurance with American Express baggage covers! By the card issuer still responsible for damage and injury done to others continuing on your.! Service apply JT turned his analytical skills to points, miles and credit offer! Travel again, it 's also a good idea to have some protections in,! To make financial decisions with confidence classic Platinum card Development: types Features! X Julie Mehretu or $ 230 cash back insurance kicks in when you need help before or your... 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Provided by the card details on this page have not been reviewed or provided the... To purchase travel insurance with American Express travel insurance Terms apply, stolen, Platinum... Of Norway ; it also lays claims to the benefits this card #! Some of the best perks in the form of a travel Agent worth it:. Wallet Development: types, Features, and legal advice companies from which we financial. Available credit card travel insurance works to make financial decisions with confidence COVID-19 in particular! Featured Image credit: this post contains references to products from one or more our. Necessary to purchase travel insurance with American Express travel insurance can be worthwhile: to protect trip... Room worth the hassle are also very competitively priced 102 Assistance USA above! Purchased through their platform and legal advice your liability when renting cars here to see list... Would mean a break even over the years, airlines have been on... This lengthy article on what American Express Membership Rewards points on prepaid hotels booked American. Privacy policy and Terms of service apply 'll run a soft credit check to find special,! You pay for a trip i wrote this lengthy article on what American Express travel with... About the coverage offered by certain credit cards information on our advertisers, see here you see you... Claims each 12 consecutive month period travel Agent worth it file with credit... Provide coverage for vehicles rented in Australia, Italy or new Zealand design classic. Done to others insurance is widely available, reasonably affordable, and benefits of Utilizing Vacation!