American Express® Gold Card travel insurance

What is included

You’re eligible for this benefit if you lose your baggage on a covered trip. This includes:

• Being a passenger on a common carrier.
• You are on a common carrier’s terminal premises before boarding or after exiting the common carrier.
• You are boarding or exiting the common carrier.

What isn’t included

Your baggage won’t be covered in case of:

• War or acts of war, riot, civil unrest, protests, insurrections, service in the armed forces or similar units and participation in a felony.
• Customs or other government authority confiscation or requisition.
• Normal wear and tear and gradual deterioration of items.
• Fraud, abuse or illegal activity by or on behalf of the covered person.

Items not covered by the baggage insurance are:

• Cash, securities, notes, accounts, bills, deeds, food stamps or evidence of debt or intangible property.
• Credit cards, passports, visas, tickets and documents.
• Plants and animals.
• Food, consumable and perishable items.
• Eyeglasses, sunglasses and contact lenses, hearing aids, artificial teeth and limbs.
• Prescription or nonprescription drugs.

Coverage amounts

With the American Express® Gold Card insurance, you are covered up to:

• $1,250 for each covered person on a covered trip for baggage replacement while in direct transit to a common carrier’s terminal or when leaving the terminal right after exiting the common carrier.
• $1,250 for carry-on bag replacement for each covered person on a covered trip.
• $500 for each covered person on a covered trip for replacement of checked baggage.
• $250 for each covered person on a covered trip in case of loss of high-risk items, including jewelry, sporting equipment, cameras or electronic equipment, computers and audio/visual equipment, wearable technology, items of gold, silver or platinum and furs or articles made mostly with fur or trimmed or lined with fur.

When to file

You must provide a notice of claim within 30 days of the loss. You can also contact Amex at 800-645-9700 or 303-273-6498 if you’re overseas for further details or for any assistance should you require.

Also, provide written proof that you lost your items within 60 days, including your signed claim form and other requested documentation.

Once you have your proof of loss, address it to:

AMEX Assurance Company,
PO Box 981553,
El Paso, TX 79998-9920.

What is included

You get 30 consecutive days of car rental coverage against theft or damage.

What isn’t included

Not all rental vehicles are covered with the card’s insurance. This includes:

• Cargo vans, custom vans, vans with a seating capacity over eight passengers, cube van or box truck, or a truck with a weight rating of 10,000 lbs or more.
• Customized vehicles, except for driver’s assistance equipment.
• Vehicles used for commercial purposes.
• Leased or mini-leased vehicles.
• Antique cars older than 20 years and that aren’t manufactured for 10 or more years.
• Limousines.
• Off-road vehicles, motorcycles, mopeds, recreational vehicles, golf or motorized carts, campers, trailers and similar vehicles.
• Vehicles rented in Australia, Italy, New Zealand and countries on the OFAC sanctioned list.

Also, you aren’t covered for losses caused by:

• Intentional damage you cause.
• Damage that occurred before you rented the card.
• Manufacturing defects.
• Confiscation by authority.
• Wear and tear, including gradual deterioration.
• Damage due to freezing, mechanical or electrical breakdown or failure unless this is a result of a theft.
• Theft or damage to the rental vehicle that wasn’t locked or secured at the time of theft or damage.
• Flats or blowout tires or stolen tires, unless they are damaged by fire, malicious mischief, vandalism.
• Damage to another vehicle.
• Damage to property or items not permanently attached to the rented vehicle.

Coverage amounts

You are covered with a maximum of $50,000. Once you file all documents and American Express accepts them, you will receive your benefits within 90 days.

When to file

First, you must report any damage or loss to law enforcement. If you don’t, Amex may deny your coverage. Next you need to file a notice of claim within 30 days of the loss. For further details, call 800-338-1670 within the US or 216-617-2500 if you’re abroad.

After that, you must provide proof of loss. Send a signed copy along with other documents that American Express may require within 60 days to:

Car Rental Loss and Damage Insurance Claims Unit,
PO Box, 94729,
Cleveland, Ohio 44101-4729.