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Travel insurance can provide peace of mind when you’re away from home, especially when you’ve spent significant money on your vacation. Although you can choose to buy a separate travel insurance policy, not everyone wants or needs to do so.
Many travel credit cards offer complimentary insurance for a variety of occurrences. The Platinum Card® from American Express offers travel insurance with a suite of benefits for eligible travelers, including coverage for trip interruption, rental car damage and lost luggage.
Let’s take a look at travel insurance on The Platinum Card® from American Express, its limits and the benefits it provides.
» Learn more: What is travel insurance?
When does the card provide coverage?
So, does The Platinum Card® from American Express have travel insurance? The short answer to this is yes, but you’ll need to meet specific requirements for it to apply.
To get coverage from your card, you’ll need to use it to pay for your trip in its entirety. This is true whether you’re looking to utilize the trip insurance or the rental car insurance — you must pay for the full cost with The Platinum Card® from American Express.
Be aware of coverage limitations if you’re traveling using points or miles. While it’s possible to receive benefits when using your card to pay the taxes and fees on a reward redemption, coverage may not always apply.
You may still be covered for trip interruption, delay, and cancellation insurance when using points or frequent flyer miles.
However, rental car and baggage insurance only apply when you’ve used your card to pay for the full cost of whatever you’re buying — no points allowed. The exception is if you redeem American Express Membership Rewards to pay for some or all of the booking.
» Learn more: How does credit card travel insurance work?
Travel insurance benefits and limits
We’ve included a breakdown of all the insurance benefits and other travel protections provided by The Platinum Card® from American Express.
Trip cancellation protection
The trip cancellation insurance you’ll receive will pay for any nonrefundable losses you incur due to a covered event.
Given the current climate, you may also be wondering: does The Platinum Card® from American Express travel insurance cover COVID? It can, depending on the reason you need to cancel. Covered events include quarantine imposed by a physician or illness for you, your family members or a traveling companion.
Other eligible events include a change in military orders, inclement weather or jury duty.
If you need to cancel your trip, AmEx will provide up to $10,000 per trip and a maximum of $20,000 every 12 months. Terms apply.
» Learn more: The guide to American Express travel insurance
Trip interruption coverage
As with trip cancellation protection, trip interruption insurance will reimburse you for nonrefundable losses by a covered event.
If your trip is interrupted, American Express will cover you for prepaid land, air and sea travel bookings you’ve missed. They’ll also pay for the cost of an economy-class ticket on the most direct route to rejoin your covered trip (or take you home).
The maximum benefit you’ll receive is $10,000 per trip and up to $20,000 every 12 months. Terms apply.
Trip delay insurance
As it sounds, trip delay insurance will reimburse you for expenses incurred when your trip doesn’t go as scheduled. In the case of The Platinum Card® from American Express, coverage kicks in after you’ve been delayed by at least six hours for a covered reason.
Covered purchases may include food, toiletries, lodging, medication and other personal use items. You’ll be reimbursed for up to $500 on a covered trip and can make two claims within a 12-month period. Terms apply.
Rental car insurance
The Platinum Card® from American Express provides secondary rental car insurance. This means it’ll kick in after other claims — like those made to your personal insurance — have been paid. To activate coverage, you’ll need to decline the insurance offered by the rental car company.
AmEx will provide up to $75,000 due to damage or theft of the rental vehicle, but be aware that the policy doesn’t provide liability insurance.
It’ll also give you up to $1,000 per person (max of $2,000) for personal property lost in the incident and up to $5,000 for accidental injury. Finally, you’ll receive up to $300,000 for accidental death or dismemberment, though the rates will vary depending on the severity of your injuries.
This rental car insurance is valid worldwide with a few notable exceptions, including Australia, Italy and New Zealand. Terms apply.
» Learn more: Credit cards that provide travel insurance
Cardholders and their families are eligible for baggage insurance provided they’ve paid for the fare using The Platinum Card® from American Express. This benefit is only for lost baggage; delayed luggage is not protected.
Coverage limits vary depending on whether you’ve checked your bag or carried it on:
Checked bags: Up to $2,000 per person.
Carry-on: Up to $3,000 per person.
Note also that checked baggage is only covered when you’re actually traveling with a common carrier. Meanwhile, carry-on luggage is also covered when traveling to and from or waiting at the terminal.
There are also specific limits for high-risk items such as jewelry and electronic equipment. For these items, you’ll receive a maximum of $1,000 per person per trip. Terms apply.
» Learn more: Baggage insurance explained
Premium Global Assist
What else does The Platinum Card® from American Express travel insurance cover? Although this last benefit isn’t technically a type of travel insurance, it’s worth including as it can offer help while you travel.
AmEx’s Premium Global Assist hotline is a 24/7 service that can assist you in various ways, such as helping you get a new passport, finding translation services and even arranging for emergency medical evacuation.
Although using Premium Global Assist is free, the services that you may end up using are not necessarily covered by AmEx.
There are exceptions to this — if you need repatriation of mortal remains, emergency medical evacuation or if a child under 16 is left without care, AmEx will provide aid at no additional cost. Terms apply.
How to make an AmEx travel insurance claim
To file a claim, you’ll need to contact your benefit administrator. The phone number and timeframe will vary according to the type of insurance you’re using:
» Learn more: The guide to AmEx Platinum rental car benefits
What if the card’s insurance benefits are insufficient?
If The Platinum Card® from American Express travel insurance doesn’t seem like it’ll be enough for your trip, or if its coverage doesn’t include features that you’d like to have, consider purchasing a separate travel insurance policy before you travel.
Several companies allow you to compare various policies for any vacation and modify inclusions as you shop.
» Learn more: How much is travel insurance?
The Platinum Card® from American Express travel insurance, recapped
The travel insurance offered by The Platinum Card® from American Express includes some pretty generous benefits for travelers, especially since it’s complimentary (the $695 annual fee notwithstanding). Terms apply.
If you want to take advantage of this insurance, pay for your trip using your AmEx card and double-check any other stated requirements before heading out to ensure coverage.
How to maximize your rewards
You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2023, including those best for:
Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card
No annual fee: Bank of America® Travel Rewards credit card
Flat-rate travel rewards: Capital One Venture Rewards Credit Card
Bonus travel rewards and high-end perks: Chase Sapphire Reserve®
Luxury perks: The Platinum Card® from American Express
Business travelers: Ink Business Preferred® Credit Card