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American Express travel insurance: Which credit cards have it?

Most Amex cards come with a few useful coverage options.

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Our pick for Amex travel insurance: American Express® Gold Card

American Express® Gold Card logo

60,000-point

Welcome offer after spending $4,000 in first 6 months

  • Points on flights, dining and groceries
  • Annual dining and flight credits
  • Access hotel collections, Personalized Travel Service and more
Apply now
See rates & fees
American Express credit cards offer a few travel insurance options, with different cards offering a different combination of coverage perks. Here’s a breakdown of which card offers which type of insurance, as well as eligibility requirements.

Travel insurance provided by American Express credit cards

To receive your insurance coverage, you’ll need to make the relevant purchase entirely on your American Express credit card. Here are your card options.

Baggage
Car rental
Premium roadside assistance
Travel accident
Trip cancellation
Trip delay reimbursement
American Express® Gold Card transparent-green-tick transparent-green-tick cross-icons cross-icons cross-icons transparent-green-tick
Amex EveryDay® Credit Card cross-icons transparent-green-tick cross-icons cross-icons cross-icons cross-icons
American Express Cash Magnet® Card cross-icons transparent-green-tick cross-icons cross-icons cross-icons cross-icons
Blue Cash Everyday® Card from American Express cross-icons transparent-green-tick cross-icons cross-icons cross-icons cross-icons
Blue Cash Preferred® Card from American Express cross-icons transparent-green-tick cross-icons cross-icons cross-icons cross-icons
The Platinum Card® from American Express transparent-green-tick transparent-green-tick cross-icons cross-icons transparent-green-tick transparent-green-tick
Delta SkyMiles® Blue American Express Card cross-icons transparent-green-tick cross-icons cross-icons cross-icons cross-icons
Delta SkyMiles® Reserve American Express Card transparent-green-tick transparent-green-tick cross-icons cross-icons transparent-green-tick transparent-green-tick
Delta SkyMiles® Gold American Express Card transparent-green-tick transparent-green-tick cross-icons cross-icons cross-icons cross-icons
Delta SkyMiles® Platinum American Express Card transparent-green-tick transparent-green-tick cross-icons cross-icons cross-icons transparent-green-tick
Amex EveryDay® Preferred Credit Card cross-icons transparent-green-tick cross-icons cross-icons cross-icons cross-icons
Hilton Honors American Express Card cross-icons transparent-green-tick cross-icons cross-icons cross-icons cross-icons
American Express® Green Card transparent-green-tick transparent-green-tick cross-icons cross-icons cross-icons transparent-green-tick
Hilton Honors™ Aspire Card transparent-green-tick transparent-green-tick cross-icons cross-icons cross-icons cross-icons
Blue from American Express® Card cross-icons transparent-green-tick cross-icons cross-icons cross-icons cross-icons
Hilton Honors American Express Surpass® Card cross-icons transparent-green-tick cross-icons cross-icons cross-icons cross-icons
Marriott Bonvoy Brilliant™ American Express® Card transparent-green-tick transparent-green-tick cross-icons cross-icons cross-icons cross-icons

What to watch out for

Like many credit card policies, American Express’s travel insurance coverage is subject to change. The amount covered by each insurance policy ultimately depends on the card you’re using. Review your specific benefits guide for full details.

How to file an American Express travel insurance claim

You can file all of your insurance claims at the American Express claims center online. This portal allows you to review your benefits, file claims and check your claim status.

Most claims require a few steps:

  1. Provide notice of your claim to American Express at 800-645-9700. You can also use the claims portal, or write to American Express directly at AMEX Assurance Company, PO Box 981553, El Paso, TX 79998-9920. You’ll need to provide your notice within 30 days of the date of your loss.
  2. If required, American Express will send a claims form. Fill out this form and gather copies of any requested documents.
  3. Send your claim forms and documentation to American Express within 90 days of your loss date. You can review the status of your claim online through the claims portal.

Types of American Express travel insurance policies

  • Car rental loss and damage insurance.
    Receive loss and damage secondary coverage, not liability coverage, when renting a car using American Express.
  • Baggage insurance.
    If the airline carrier loses or damages your checked or carry-on luggage, be reimbursed up to $3,000.
  • Trip delay reimbursement.
    Receive reimbursement if your travel is delayed for a covered reason.
  • Trip cancellation reimbursement.
    Receive reimbursement if your travel is canceled for a covered reason.

Who is eligible for American Express travel insurance coverage?

Eligibility requirements differ slightly for each type of insurance coverage:

Baggage

Cardholders, their spouse or domestic partner and dependents younger than 23 are covered.

Car rental loss

Cardholders or additional members who signed the rental agreement and declined the full collision damage waiver offered by the rental agency are eligible. Cardholders must also pay for the rental entirely with their credit card. Coverage includes the cardholder, spouse or domestic partner and authorized drivers.

Do I receive coronavirus coverage?

Depending on your specific circumstances, you might find coverage for certain events related to coronavirus through your Amex protections. Check out our coronavirus coverage guide for more information.

Compare American Express credit cards with travel insurance

Select your credit score below and click “Show Cards” to browse suitable Amex credit cards featuring travel insurance.

Name Product Filter values Rewards Purchase APR Annual fee
American Express® Gold Card
3x points on directly-booked flights; 4x at restaurants; 4x at US supermarkets on up to $25,000 annually (then 1x points)
$250
Earn up to 4x points on select purchases, a bevy of travel perks, and a welcome offer worth up to $600 with this upper-mid tier travel card. Rates & fees
The Platinum Card® from American Express
10x points at US gas stations and US supermarkets on up to $15,000 combined in the first 6 months, 15x points on directly-booked flights or on flights and hotels on Amex Travel. 1x points on all other purchases. Starting January 1, 2021, your 15x points on flights will be capped on up to $500,000 annually (then 1x points).
See rates & fees
$550
One of the most valuable premium travel cards, featuring two welcome offers worth up to $4,500, multiple travel credits and unrivaled lounge access. Rates & fees
Marriott Bonvoy Brilliant™ American Express® Card
6x points at Marriott Bonvoy hotels, 3x at US restaurants and on flights booked directly with airlines and 2x for all other purchases
15.74% to 24.74% variable
$450
Earn 100,000 bonus points when you spend $5,000 or more within your first 3 months, plus earn 25,000 after the first anniversary of card membership (offer expires 1/13/2021). Rates & fees
Delta SkyMiles® Gold American Express Card
2x miles on Delta purchases, restaurants and at US supermarkets and 1x miles on all other purchases
15.74% to 24.74% variable
$0 intro annual fee for the first year ($99 thereafter)
With a welcome offer worth up to $600, up to 2x miles on select purchases, and assorted Delta perks, this is a strong choice for Delta fans. Rates & fees
Hilton Honors American Express Card
7x points on Hilton Honors purchases, 5x at US restaurants, US supermarkets and US gas stations, 3x on all other purchases
15.74% to 24.74% variable
$0
With a massive welcome offer for a no-annual-fee card and up to 7x points at Hilton, this is a solid pick for Hilton fans and occasional travelers. Rates & fees
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Compare up to 4 providers

Read more about credit card travel insurance offered by different brands

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Bottom line

While American Express cards currently lack some insurance options offered by competitors, such as travel emergency assistance, you can still find excellent Amex cards offering a mix of travel insurance perks. Compare your options to find out which American Express travel card is for you or take a look at some other cards with great travel insurance benefits.

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