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American Express travel insurance: Which credit cards have it?

Numerous Amex cards come with a variety of coverage options.

Updated

Fact checked

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

American Express® Gold Card logo

35,000-point

Welcome offer after spending $4,000 in first 3 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. Find out which card meets both your insurance and spending needs.

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.

Travel insurance provided by American Express credit cards

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

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

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 4x points at restaurants worldwide. 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
Earn 75,000 Hilton Honors Bonus Points after you spend $1,000 in purchases on the card within your first 3 months of card membership. 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)
Earn 50,000 miles after spending $2,000 in the first 3 months. Rates & fees
Hilton Honors American Express Surpass® Card
12x points on Hilton Portfolio spending, 6x at US restaurants, US supermarkets and US gas stations, 3x on all other purchases
15.74% to 24.74% variable
$95
Earn 125,000 Hilton Honors™ Bonus Points after you spend $2,000 or more in purchases with your new card within the first 3 months of card membership. Rates & fees
Delta SkyMiles® Blue American Express Card
2x miles at restaurants and on direct Delta purchases and 1x miles on all other purchases
15.74% to 24.74% variable
$0
Earn 10,000 bonus miles after spending $500 in purchases on your new card in your first 3 months of card membership. Rates & fees
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Compare up to 4 providers

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.

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.

Read more about credit card travel insurance offered by different brands

Barclays logoBarclaycard logo
Chase logo
Bank of America logoBank of America logo
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Citibank logo
Picture not describedCapital One Logo
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Discover logoDiscover logo

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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