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 plan on taking multiple trips throughout the year, investing in Amex Gold Travel Protector may be worth the cost. Terms apply. Additionally, there is a small window of time when you are able to purchase the coverage, including during your initial purchase or up to 10 to 21 days after the purchase, depending on the company. You want a travel credit card that prioritizes whats important to you. Read more. 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. I'll use the Delta SkyMiles Reserve as an example. The scam typically involves promising the victim a significant share of a large sum of money, in return for a small up-front payment, which the fraudster claims will be used to obtain the large sum. The price of this plan would be $32 for the entire trip. Terms apply. Many of the credit card offers that appear on this site are from credit card companies from which we receive financial compensation. 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. Our opinions are our own. You might look to a company specializing in insuring these activities such as World Nomads. The annual fee on the American Express Gold card is $250 (see rates & fees ). 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, About the author: JT Genter is a freelance points, miles and credit card writer formerly of The Points Guy. This AmEx card gets you baggage, car rental and trip delay insurance alongside AmEx Global Assist services. 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. 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. One of the lesser known benefits of some of Amex's most premium cards is its Premium Global Assistance. You can add Premium Car Rental Protection to any American Express card. Most credit card travel insurance coverage is secondary and in excess of other coverage you might have. 2023 Upgraded Points, LLC. This influences which products we write about and where and how the product appears on a page. 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. Terms apply to the offers listed on this page. Types of Amex Gold card Travel Insurance Otherwise, if you applied for your Card through a bank in a country outside the EEA*, please go to page 34 and refer to the BROWN SECTION for your travel protection benefit details. Youll normally be working with 2 (or more) entities to get your claim resolved. For example, if you book a domestic round-trip flight, a hotel, and a rental car, you may have sufficient coverages on your credit card to cover that trip. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion directly. When considering which policy to invest in, its important to weigh the pros and cons of each option. But families don't get a break on premiums. That is up from the previous bonus of 35,000 points. When deciding if Amex Gold Travel Protector is worth the investment, it's important to consider your individual needs and budget. For more information, see ourMedical & Legal Disclaimers. Bottom Line: Having the option to select only the coverages you want allows you to save money by not paying for coverages you dont need. So, you won't get a higher amount of coverage if you spread your personal items across several bags. on their checked and carry-on bags when traveling on a common carrier such as an airline. is a former TPG writer, covering everything from the latest deal to deeper guides with a focus on beginners. 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. But is Amex Gold Travel Protector worth it? You have the option to select just that coverage. The key benefit of the American Express Gold Card is 10 free miles of towing as well as jumpstarts and flat tire assistance. 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. Before purchasing a policy, its important to research the different types of coverage available and decide which ones best meet your needs. 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? If you need this coverage while traveling, youll want to purchase a separate policy. This is why you need to pay attention to the benefits each of your travel rewards cards offers. No, you do not need to be an American Express cardholder to purchase a travel insurance policy from American Express Travel Insurance. 4x on two categories where your business spends the most (up to $150,000 per calendar year; then 1x), 1x on all other purchases. The main disadvantage of Amex Gold Travel Protector is the cost of the policy. Our partners cannot pay us to guarantee favorable reviews of their products or services. Terms apply. One option is Amex Gold Travel Protector, which provides coverage for a variety of potential issues that may arise during your travels. Amex Gold Travel Protector generally offers more comprehensive coverage than other policies, but it is often more expensive. However, this does not influence our evaluations. The interest rate on the American Express Gold card is 22.9% APR variable with a 57.6% APR variable including the annual fee (although the Amex Gold credit card is free for the first 12 months). We may be compensated when you click on links from one or more of our advertising partners. Trip delay reimbursement requires the following documentation: Trip cancellation/interruption insurance requires slightly different documentation. The types of losses it covers: Youre covered for losses resulting from damaged, stolen or lost baggage, including both carry-on and checked bags. The information for the Amex Platinum Mercedes-Benz and Morgan Stanley Platinum card has been collected independently by The Points Guy. 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. Exploring the Benefits and Costs, Can Americans Travel to Palestine? 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. Terms apply. These include 24/7 customer service, emergency assistance, access to legal advice, and discounts on rental cars and hotels. It will NOT be published. It is better for dining out and U.S. supermarkets. This trip delay insurance kicks in when you pay for a trip with your American Express Gold Card or AmEx points. 3x SkyMiles on eligible Delta purchases; 2x at restaurants and U.S. supermarkets. Learn more: The cheapest car rental companies, according to data. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). Terms apply. Your email address will not be published. Terms apply. that covers lost, damaged or stolen baggage. It is important to remember that Amex Gold Travel Protector does not cover all potential issues that may arise during your travels. Could be worth it. Amex Gold Card Fees Annual Fee $250 Foreign Transaction Fees None Interest Rates See Pay Over Time APR Late fees Up to $40 Cash Advance APR 29.74% Variable Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater. Allianz Travel Insurance Coverage Review Is It Worth It? If youre looking for medical coverage for an international trip, for example, purchasing with an established company at a reasonable price makes American Express Travel Insurance a worthy choice. Terms apply. If so, where might I find the details and how to price it? American Express premium credit cards offer some of the best perks in the credit card space. This is because you can convert 1 point into 1.33 Nectar points via the Avios partnership. Hi, I'm Happy Sharer and I love sharing interesting and useful knowledge with others. Like most travel insurance companies, American Express Travel Insurance prices its products within age brackets. Terms apply. 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. This card comes with a long list of benefits, including access to Centurion Lounges, complimentary elite status with Hilton and Marriott, at least $500 in assorted annual statement credits and so much more. Editorial Disclosure:The content featured on UpgradedPoints.com has not been influenced, provided, or reviewed by the credit card companies mentioned. The American Express Gold Card is best known for its dining, grocery and rideshare perks. Travel insurance does not cover canceling your trip due to fear of getting sick. 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. 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. 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. 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. The Amex Platinum comes with access to a premium concierge service that can help you with everything from booking hard-to-get reservations to finding destination guides to help you plan out your next getaway. That's exactly the case with the Amex Platinum card. Read our guide on when to use American Express Premium Car Rental Protection for more details on this coverage option. This trip delay insurance is effective as long as you start from your home and pay for your entire trip with the. You can contact TD Credit Cards from 7:00 a.m. to 12:00 am (EST), seven days a week, at: Within Canada and the U.S.: 1-800-983-8472 . 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. These items include jewelry, sporting equipment, photographic or electronic equipment, computers and audio/visual equipment. Megan Lee joined the travel rewards team at NerdWallet with over 12 years of SEO, writing and content development experience, primarily in international education and nonprofit work. As travel restrictions change, policies and best practices will likely change as well. Bottom Line: Utilizing a travel insurance comparison website can help you quickly narrow your choices to policies that fit your needs and your budget. Probably. Copies of your common carrier tickets and travel supplier receipt, Your eligible card billing statement showing the charges for the covered trip, Copy of travel supplier's cancelation policy. 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. 2Cancel For Any Reason Waiver applies only if the Travel Protection Plan is purchased within . Global Assist helps coordinate services when things go wrong on a trip. For more tips on buying travel insurance in general, youll find valuable information in our guide to buying the best travel insurance. 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