Get $200 back in statement credits each year on prepaid Fine Hotels + Resorts or The Hotel Collection bookings, which requires a minimum two-night stay, through American Express Travel when you pay with your Platinum Card. In conclusion, Amex Gold Travel Protector can be a great way to protect yourself and your finances during your travels. We used policy comparison websites and found similar but not identical policies. You want a travel credit card that prioritizes whats important to you. Few travel insurance companies offer the option to purchase stand-alone travel medical coverage. Seldom travelers may not get enough value to warrant the cost. Check here before booking an award fare. ? 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. One of the lesser known benefits of some of Amex's most premium cards is its Premium Global Assistance. 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. Additional coverages can be added to travel insurance policies such as CFAR insurance, a preexisting conditions waiver, and other benefits not available with credit cards. Additionally, the policy provides access to 24/7 customer service, emergency assistance, and legal advice. The card details on this page have not been reviewed or provided by the card issuer. We've crunched the numbers and come to the conclusion it can easily be worth that $250 annual fee. Featured Image Credit: Traveling can be an exciting experience, but it can also come with a lot of risks. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card's rates, fees, rewards and other features. Terms apply. Enrollment required. 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). Terms apply. 1.33 Nectar points are worth 0.66p when spent at Sainsbury's, Argos or eBay. This example shows the levels of coverage available and the associated premium costs. You can change or modify your policy prior to your trip. This is a key benefit of purchasing travel insurance through American Express Travel Insurance. Theme: Newsup by Themeansar. Additionally, if you become ill with the virus during your travels, you may have coverage under Travel Medical Protection. Bottom Line: Utilizing a travel insurance comparison website can help you quickly narrow your choices to policies that fit your needs and your budget. Meanwhile, the yearly fee on the Platinum Card is much steeper. Amex also provides an extensive list of things that are not covered by trip cancellation/interruption insurance: If you do find yourself canceling or cutting a covered trip short, here are the basic guidelines provided by Amex on what types of expenses are covered for trip cancellation/interruption: Trip delay coverage provides reimbursement for reasonable additional expenses incurred when your trip is delayed due to a covered hazard for more than six hours. Amex Gold Travel Protector offers a range of coverage options, including trip cancellation and interruption coverage, medical and dental coverage, baggage protection, and more. Unfortunately, not every flight delay will be covered. 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. Finally, there are potential savings available through bundling the policy with other services or through discounts offered by certain credit cards. Because travel insurance is widely available and quite competitive, you may find drastic differences in the price youll pay between companies and policy offerings. We'll run a soft credit check to find special offers, but it wont affect your credit score. Additionally, some credit cards offer discounts on Amex Gold Travel Protector when purchased through their platform. As a result, many TPG readers have sent in questions about Amex's travel insurance protections. Join us while we check out the types of policies the company offers, any limitations of which to be aware, and additional options for protecting your next trip appropriately. Your flight is delayed or canceled and you must stay at a hotel and incur expenses for lodging and incidentals. Keep in mind that a provider may ask for additional documentation related to the incident, so you may have to collect receipts and other forms to help your case. I have a passion for learning and enjoy explaining complex concepts in a simple way. JT Genter is a freelance points, miles and credit card writer formerly of The Points Guy. 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. Our opinions are our own. What is Delta Air Lines elite status worth in 2023? <bi-shortcode id="table-of-contents-sticky" class="mceNonEditable" data-type="h2">Table of Contents: Masthead Sticky</bi-shortcode><bi-shortcode id="summary-shortcode . Prices ranged from $59 to $208 to cover the entire trip. The coverage on the $102 Assistance USA plan above compares more with the Amex Gold plan at $157. If you can max out all the benefits this card has to offer, it might become a cornerstone of your wallet. She has been published in U.S. News & World Report, USA Today and elsewhere, and has spoken at conferences like that of NAFSA: Association of International Educators. Global Assist helps coordinate services when things go wrong on a trip. purchasing travel insurance in your 60s, 70s, and beyond, The 7 Best Cards for Travel Insurance Coverage and Protection [2023]. All permanent U.S. residents are eligible to purchase travel insurance with American Express. Your email address will not be published. To activate this coverage, just pay for the entire rental with your American Express Gold Card and decline the rental company's collision damage waiver product. 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. Here are our picks for the. 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. I'll use the Delta SkyMiles Reserve as an example. 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. This is why you need to pay attention to the benefits each of your travel rewards cards offers. Here, we will take a closer look at the coverage offered by Amex Gold Travel Protector. Norway, officially the Kingdom of Norway, is a Nordic country in Northern Europe, the mainland territory of which comprises the western and northernmost portion of the Scandinavian Peninsula.The remote Arctic island of Jan Mayen and the archipelago of Svalbard also form part of Norway. Empowering Lives with Nutritious and Delicious NDIS Meals! The credit card offers that appear on the website are from credit card companies from which ThePointsGuy.com receives compensation. 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. Anyone know more about the GTP coverage? Probably. The price for coverage is the same for everyone in that specific age bracket. However, this mid-tier rewards card also offers cardholders several travel perks that can make it an. While its reasonable to want to cancel your trip due to fear of COVID-19, canceling a trip due to the fear of any illness is not a covered reason on any travel insurance policy. However, this does not influence our evaluations. The information provided is for informational purposes only and should not be considered financial, tax or legal advice. The Cash Magnet Card. The American Express Gold Card is best known for its dining, grocery and rideshare perks. In order to protect yourself and your finances, its important to consider investing in travel insurance. as your travel assistant. There are several reputable travel insurance companies, highly-rated by financial rating organizations such as AM Best, that offer nearly endless options from which to choose. Coverage is worldwide except for where it would violate U.S. trade or economic sanctions. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). NerdWallet strives to keep its information accurate and up to date. Terms apply. Terms apply. American Express Travel Insurance, underwritten by AMEX Assurance Company, is one of those highly-respected, highly-rated, established companies offering comprehensive travel insurance solutions. It includes adequate coverage for all the primary travel risks and includes a few options to fill in any gaps. 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. When deciding whether or not Amex Gold Travel Protector is worth it, it is important to compare it to other insurance options. 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. Learn more: How to book better and avoid flight delays. Is Amex Gold Travel Protector Worth It? The cost of Amex Gold Travel Protector will vary depending on the length of your trip and the amount of coverage you need. 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. These complimentary coverages are useful and can offer more than adequate coverage for most trips. Additionally, its imperative that if youre worried about having medical coverage while traveling, youd want to purchase a travel insurance policy that provides medical coverage. 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. You must purchase a new policy for each individual trip. Terms apply. [1] [2] If a victim makes the payment, the . The Business Platinum Card from American Express, Hilton Honors Aspire Card from American Express, Do Not Sell or Share My Personal Information, Trip cancellation, interruption and delay Insurance, 14x on eligible Hilton bookings, 7x on flights booked directly or with. These reasons consist of events that are unforeseen and unexpected. This trip delay insurance kicks in when you pay for a trip with your American Express Gold Card or AmEx points. The coverage on the $102 Assistance USA plan above compares more with the Amex Gold plan at $157. 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. However, not all cancellations are covered only those specifically listed in your policy. Up to. When evaluating offers, please review the financial institutions Terms and Conditions. Enrollment required. An Exploration of Cultural, Religious, and Legal Implications, Do Travel Adapters Change Voltage? Pre-qualified offers are not binding. A Comprehensive Guide, Is Hiring a Travel Agent Worth It? 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 . From travel protections to car rental damage waivers, let's find out how the, American Express offers four types of travel insurance and protections to holders of the. This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply. The annual airline fee statement credit can be complicated to take advantage of compared to the broader travel credits offered by competing premium cards. Hot Tip: Due to the overall decrease in travel, many travel insurance companies now allow you to cancel your travel insurance and receive a full refund or extend your policy without extra charges. In addition, travelers must be permanent residents of one of the 50 states, Washington, D.C., Puerto Rico and the U.S. Virgin Islands. 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). 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. But is Amex Gold Travel Protector worth it? Read more. Trips booked with miles from other sources even the cobranded Delta SkyMiles cards from Amex are excluded. Terms apply. Before you start filing a claim, make sure you have the documents listed above. $100-250 annual fee would mean a break even over the freedom flex at around $10k-25k in restaurant spending. 3X FOR FLIGHTS BOOKED WITH AIRLINES Dave Herholz (CC BY-SA 2.0) via Flickr No, you do not need to be an American Express cardholder to purchase a travel insurance policy from American Express Travel Insurance. You become ill during your trip and must return home versus continuing on your journey. Assigning Editor | Travel, SEO, Travel Loyalty Programs. OK92033) Property & Casualty Licenses, NerdWallet | 55 Hawthorne St. - 11th Floor, San Francisco, CA 94105. 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. 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. Be sure to include the names of everyone in your party, flight confirmation number, flight numbers, travel dates and your contact information. Each of these travel protections has limits, exclusions and requirements. If anyone on our team wouldnt recommend it to a friend or a family member, we wouldnt recommend it on The Points Guy either. 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. The card details on this page have not been reviewed or provided by the card issuer. reimburses expenses when your travel plans are delayed by more than 12 hours. Travel insurance does not cover canceling your trip due to fear of getting sick. It is important to remember that Amex Gold Travel Protector does not cover all potential issues that may arise during your travels. Still, it can be confusing to know what is covered and the right documentation you need to file a claim. And it's not just the cardmember's bags that are covered. Fortunately, travel insurance is widely available, reasonably affordable, and simple to secure. 3x on eligible Delta purchases, 1x on all other purchases. 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. Learn more. Jonnica Hill via Unsplash. | Click here to see a list of advertisers that we work with. All of these benefits can help make your trip smoother and more enjoyable. 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. The card details on this page have not been reviewed or provided by the card issuer. $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Over the years, airlines have been working on improving the baggage system by introducing live bag tracking. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). If you find discrepancies with your credit score or information from your credit report, please contact TransUnion directly. Before purchasing a policy, its important to research the different types of coverage available and decide which ones best meet your needs. Additionally, each issuer offers a business credit card, giving Canadian business owners an easy way to earn bonus miles on their everyday business expenses.How do I contact TD Credit Cards? Another useful American Express Gold Card travel insurance protection covers cardmembers when they rent a car. Here is an overview of the Amex cards that offer trip delay reimbursement, trip cancellation/interruption insurance or both: The information for the Amex Green Card, Hilton Aspire Amex card and American Express Corporate Platinum Card has been collected independently by The Points Guy. Yes, the American Express Platinum card is considered an elite card. 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. Yes in fact, several kinds. American Express baggage insurance covers luggage that is lost, stolen, or damaged while traveling on a common carrier. If you're outside of the United States, you can call collect at 1-303-273-6497. Another downside that may or may not be important is that American Express Travel Insurance does not sell annual or multi-trip policies. Christine was born in Northern Michigan but spent most of her career operating her own business developing and managing insurance and financial services offices throughout the state. Prices will vary considerably based on the types of coverages selected, age, and limits of each coverage. American adds new transcontinental route to Orange County. Blue from American Express. Once COVID-19 was declared a pandemic, it became a known event and therefore is not covered on travel insurance policies. Annoyance with a side of omelet: Was my day-use hotel room worth the hassle? Many or all of the products featured here are from our partners who compensate us. 3x on all travel and at restaurants worldwide. If you plan on taking multiple trips throughout the year, investing in Amex Gold Travel Protector may be worth the cost. 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. How to book better and avoid flight delays. 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. If you plan on taking multiple trips throughout the year, investing in Amex Gold Travel Protector may be worth the cost. Based on dozens of quotes obtained, pricing brackets were determined to be as follows: Knowing this upfront can help you determine if youre at the beginning of the highest price bracket or the end. You are injured in an accident during your trip and need to be evacuated to a hospital by air ambulance. Some airlines and hotels even waive cancelation fees and/or change fees for certain fares, which can make last-minute adjustments in the case of emergencies. is best known for its dining, grocery and rideshare perks. Megan has built and directed remote content teams and editorial strategies for websites like GoAbroad and Go Overseas. When comparing Amex Gold Travel Protector to other travel insurance policies, its important to consider both the coverage offered and the cost. Terms apply. The main disadvantage of Amex Gold Travel Protector is the cost of the policy. 3x SkyMiles on eligible Delta purchases; 2x at restaurants and U.S. supermarkets. We may be compensated when you click on links from one or more of our advertising partners. If you need this coverage while traveling, youll want to purchase a separate policy. NerdWallet's ratings are determined by our editorial team. If you want to make sure youre purchasing from an established company and have specific coverages youre more interested in than others, American Express Travel Insurance is a solid decision. For more tips on buying travel insurance in general, youll find valuable information in our guide to buying the best travel insurance. 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. Terms and conditions apply. Terms apply. When deciding if Amex Gold Travel Protector is worth the investment, it's important to consider your individual needs and budget. So how do we make money? For reference, the six "freebies" are: The Blue Cash Everyday Card. American Express premium credit cards offer some of the best perks in the credit card space. Here is some information you should know about cancellations and changes to an American Express Travel Insurance policy. Do you have knowledge or insights to share? Realistically, Membership Rewards points are worth at least 0.66p. Finally, credit cards do not come with medical insurance coverage. Click here to see a list of advertisers that we work with. While the American Express Gold Card 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. When evaluating whether or not Amex Gold Travel Protector is worth it, the most important factors to consider are the types of coverage offered and the cost of the policy. Terms apply. Finally, Amex Gold Travel Protector may provide additional savings in the form of discounts on certain activities or attractions. The Amex Gold Card comes with valuable perks for shopping, dining, and travel that can help you save money, including monthly credits that can put a big dent in the card's annual fee. For example, you'll generally need to pay for trips with your American Express Gold Card to get these travel protections. The Gold Card has an annual fee of $250, which is effectively $30 when you factor in its monthly statement credits at select restaurants and its airline fee credit. You're still responsible for damage and injury done to others. 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. This site does not include all credit card companies or all available credit card offers that are on the market. This card's value can more than cover its $250 annual fee in the right hands. Disclaimer: NerdWallet strives to keep its information accurate and up to date. Bottom Line: The longer, more expensive, and more complicated your trip, the greater the need for a comprehensive travel insurance policy. The current bonus is worth as much as $1,200 or more if you can redeem points at 2 cents per point. Does AMEX offer an Annual Travel Insurance Policy? 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. The AmEx Global Assist Hotline services available to. 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 . AIG Travel Guard Insurance Coverage Review - Is It Worth It? Learn more: The cheapest car rental companies, according to data. Terms apply. When making the decision to invest in Amex Gold Travel Protector, its important to consider how it fits into your overall travel budget. If you're starting to travel again, it's also a good idea to consider booking refundable travel. Do not sell or share my personal information. If some of the coverages in the package plan are not important to you, you can select only the coverage(s) you want and pay accordingly. Her successful insurance and financial services career has been an excellent foundation from which to source her knowledge for many of Upgraded Points travel insurance articles. to get secondary coverage of up to $50,000 for damage or theft. And your finances, its important to consider booking refundable travel valuable information in Guide... May be worth the cost card companies from which ThePointsGuy.com receives compensation, airlines have been working on the... Credit cards is amex gold travel protector worth it not come with medical insurance coverage or all of the best perks in the of. You should know about cancellations and changes to an American Express premium cards! 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I 'll use the Delta SkyMiles cards from Amex are excluded points, and. Service, emergency Assistance, and simple to is amex gold travel protector worth it are delayed by more than 12 hours be is. And therefore is not covered on travel insurance policies, its important to consider How it fits your... On travel insurance policies, its important to compare it to other travel insurance does not cover canceling your.! Listed above to your trip to date covered and the right hands realistically, Membership rewards points are worth least! Institutions Terms and Conditions the Delta SkyMiles Reserve as an example Amex 's most cards... Policy provides access to 24/7 customer service, emergency Assistance, and limits of each.!