Varied American Categorical playing cards provide journey protections that may take the headache out of your holidays. Nevertheless, the protection you get (and the boundaries of mentioned protection) differ by card. Reasonably than making an attempt to recollect all of this by yourself, we’ll information you thru the journey protections supplied by American Categorical playing cards.
This information gives a complete overview of the journey protections accessible throughout the American Categorical card portfolio. Every part outlines a protection sort and the playing cards that supply it. We have additionally included protection limits and any further caveats to notice.
Right here’s what that you must find out about American Categorical journey insurance coverage protection.
Journey delay insurance coverage
Journey delay insurance coverage covers you once you encounter journey delays. This might be a delayed flight as a consequence of mechanical points or an surprising in a single day as a consequence of a weather-related cancellation.
Different causes are coated, however particular person insurance policies range in what they do and don’t cowl. If the rationale to your delay shouldn’t be particularly talked about in your coverage, assume that it’s not coated.
With journey delay safety, there are two completely different “ranges” of protection, relying on the cardboard you carry.
Stage 1: Greater-end playing cards
A few of American Categorical’ prime merchandise provide journey delay reimbursement of as much as $500 per coated journey that’s delayed for greater than six hours, capped at two claims per eligible card per 12 consecutive months.*
This safety turns into efficient once you buy a ticket utilizing any of the next playing cards:
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*Eligibility and profit degree varies by card. Phrases, circumstances and limitations apply. Go to americanexpress.com/benefitsguide for particulars. Insurance policies are underwritten by New Hampshire Insurance coverage Firm, an AIG Firm.
**The data for these playing cards has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or supplied by the cardboard issuer.
Stage 2: Mid-tier playing cards
Different American Categorical playing cards provide journey delay reimbursement of as much as $300 per coated journey that’s delayed for greater than 12 hours, capped at two claims per 12 consecutive months.*
Listed here are the playing cards that embrace this safety once you use them to buy your tickets:
*Eligibility and profit degree varies by card. Phrases, circumstances and limitations apply. Go to americanexpress.com/benefitsguide for particulars. Insurance policies are underwritten by New Hampshire Insurance coverage Firm, an AIG Firm.
**The data for these playing cards has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or supplied by the cardboard issuer.
Journey cancellation and interruption insurance coverage
This sort of protection is for conditions wherein your journey is canceled or interrupted (which means you began the journey however should finish it to return dwelling). Consequently, you’re pressured to forfeit pay as you go, nonrefundable reservations. Once more, ensure that your coverage mentions your particular cause for it to be coated.*
All Amex playing cards with this profit present the identical degree of safety. In case your journey is canceled or interrupted for a coated cause, you possibly can obtain a most of $10,000 per coated journey and a most of $20,000 per eligible card in a 12-month interval.
Listed here are the playing cards that embrace this safety once you use them to buy journey:
*Eligibility and profit degree varies by card. Phrases, circumstances and limitations apply. Go to americanexpress.com/benefitsguide for particulars. Insurance policies are underwritten by New Hampshire Insurance coverage Firm, an AIG Firm.
**The data for these playing cards has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or supplied by the cardboard issuer.
World Help Hotline
Eligible cardholders can depend on the World Help Hotline 24 hours a day, seven days every week for medical, authorized, monetary or different choose emergency providers coordination and help whereas touring greater than 100 miles from dwelling.*
The World Help Hotline coordinates providers however shouldn’t be the service supplier. Any third-party service prices could also be your duty.
Listed here are the playing cards that embrace this safety once you use them to pay to your tickets:
*Eligibility and profit degree varies by card. Phrases, circumstances and limitations apply. Go to americanexpress.com/benefitsguide for particulars. Cardmembers are liable for the prices charged by third-party service suppliers.
**The data for these playing cards has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or supplied by the cardboard issuer.
Premium World Help Hotline
Just like the profit above, eligible cardholders for sure premium Amex playing cards can depend on the World Help Hotline 24/7 for medical, authorized, monetary or different choose emergency providers coordination and help providers whereas touring greater than 100 miles from dwelling. With the Premium profit, emergency medical transportation help and associated providers could also be supplied for free of charge.*
If accredited and coordinated by the Premium World Help Hotline, emergency medical transportation help could also be supplied for free of charge to you. In any other case, third-party service prices could also be your duty.
Listed here are the playing cards that embrace this safety once you use them to pay to your tickets:
*Eligibility and profit degree varies by card. Phrases, circumstances, and limitations apply. Go to americanexpress.com/benefitsguide for particulars. If accredited and coordinated by Premium World Help Hotline, emergency medical transportation help could also be supplied for free of charge. In some other circumstance, cardmembers are liable for the prices charged by third-party service suppliers.
**The data for these playing cards has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or supplied by the cardboard issuer.
Baggage insurance coverage plan
Baggage insurance coverage applies to coated individuals for eligible misplaced, broken or stolen baggage throughout journey on a typical provider automobile (corresponding to a airplane, practice, ship or bus) when your entire fare for a ticket on the journey (one-way or round-trip) is charged to an eligible card.
This profit has two completely different “ranges” of protection, relying on the cardboard you carry.
Stage 1: Greater-end playing cards
A few of American Categorical’ prime merchandise provide baggage insurance coverage protection of as much as $2,000 for checked baggage and as much as a mixed most of $3,000 for checked and carry-on baggage. This protection exceeds the protection supplied by the widespread provider. Protection is topic to a $3,000 mixture restrict per coated journey.*
For New York state residents, there’s a $2,000 per bag/per suitcase restrict for every coated particular person, with a most of $10,000 mixture for all coated individuals per coated journey.*
This safety turns into efficient once you buy a ticket utilizing any of the next playing cards:
**The data for these playing cards has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or supplied by the cardboard issuer.
Stage 2: Mid-tier playing cards
Different American Categorical playing cards provide baggage insurance coverage protection of as much as $1,250 for carry-on baggage and as much as $500 for checked baggage. This protection is in extra of protection supplied by the widespread provider.*
For New York state residents, there’s a most of $10,000 mixture for all coated individuals per coated journey.*
Listed here are the playing cards that embrace this safety once you use them to buy your tickets:
*Eligibility and profit degree varies by card. Phrases, circumstances and limitations apply. Go to americanexpress.com/benefitsguide for particulars. Insurance policies are underwritten by AMEX Assurance Firm.
**The data for these playing cards has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or supplied by the cardboard issuer.
Automobile rental loss and harm insurance coverage
Automobile rental loss and harm insurance coverage applies to the theft of or harm to most rental autos once you use an eligible card to order and pay for your entire eligible automobile rental and decline the collision harm waiver or comparable possibility supplied by the rental automotive firm. Observe that this product gives secondary protection and doesn’t embrace legal responsibility protection. Not all automobile sorts or leases are coated, and geographic restrictions apply.
This profit has two completely different “ranges” of protection, relying on the cardboard you carry.
Stage 1: Greater-end playing cards
A few of American Categorical’ prime merchandise provide automotive rental loss and harm insurance coverage of as much as $75,000 for theft of or harm to eligible rental autos.*
Listed here are the playing cards that embrace this safety once you use them to pay for eligible leases:
Stage 2: Mid-tier playing cards
Different American Categorical playing cards provide automotive rental loss and harm insurance coverage of as much as $50,000 for theft of or harm to eligible rental autos.*
Listed here are the playing cards that embrace this safety once you use them to pay for eligible leases:
*Eligibility and profit degree varies by card. Not all automobile sorts or leases are coated, and geographic restrictions apply. Phrases, circumstances and limitations apply. Go to americanexpress.com/benefitsguide for particulars. Insurance policies are underwritten by AMEX Assurance Firm. Protection is obtainable by American Categorical Journey Associated Companies Firm, Inc.
**The data for these playing cards has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or supplied by the cardboard issuer.
Backside line
Understanding what advantages your card has to guard you when issues go improper throughout a visit might help cut back complications. To that finish, American Categorical gives a number of journey protections throughout a lot of its card merchandise.
Protection limits inside the similar profit can range by the cardboard you will have, so seek the advice of the Amex advantages information for full particulars about what your card affords.
Associated: Finest American Categorical playing cards
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