Do credit cards offer American Express travel medical insurance?

When traveling, it can be a good idea to prepare for any unforeseen circumstances. Protecting yourself with medical coverage can help.

If you want emergency medical costs covered, consider getting a premium American Express credit card, which can cover some medical expenses when you travel, such as emergency medical transportation or emergency dental care.

Can I get American Express travel medical insurance from a credit card?

With most of its credit cards, Amex doesn’t offer travel medical insurance — only referrals to medical assistance. If you need more comprehensive coverage, you can purchase a policy on the provider’s website.

Getting emergency medical assistance through Global Assist Hotline

The Amex Global Assist Hotline offers assistance in medical emergencies when you’re traveling more than 100 miles from your permanent residence. At the time of this writing, this benefit is available to cardholders of all Amex credit cards.

Amex can provide referrals for:

• Emergency medical transportation.
• Medical prescription replacement.
• Medical and dental care.
• Repatriation of mortal remains.

While Amex will connect you to these services, you’re responsible for costs from third-party providers.

The Global Assist Hotline also offers medical monitoring, relaying information about your care to your family.

Getting emergency medical assistance through Premium Global Assist Hotline

Access to the Premium Global Assist Hotline is reserved for those with select Amex cards. These include The Platinum Card® from American Express, The Business Platinum Card® from American Express and Centurion® Card from American Express.

You’ll get access to the same medical services that other Amex cardholders do. However, Amex may pay for emergency medical transportation and repatriation of remains.

What is American Express travel medical insurance?

This covers eligible emergency medical expenses when you travel more than 150 miles from your permanent residence. It can be useful if you find the coverage from your credit card insufficient.
American Express travel medical insurance includes:

• Emergency medical and dental expenses.
  To qualify for coverage, you must be treated by an Amex-approved medical provider. Confirm eligibility by calling the assistance number Amex provides with your policy.

• Emergency medical evacuation.
  You may be traveling in a location without sufficient medical care and need to be taken to a nearby medical facility.

• Repatriation of remains.
  In the event of your death during your trip, American Express will cover costs of returning your remains.

• Visitor during hospital stay.
  If a physician determines you need to stay in a hospital for five or more days during your trip, Amex will pay for a round-trip economy flight for one visitor.

• Change of flight.
  If you can’t fly back as originally scheduled due to an accidental injury or sickness, Amex will pay up to $100 for your domestic return flight or $200 for your international return flight.

How to get American Express travel medical insurance

You can buy a policy through the American Express website. To get a quote, enter the following information on the travel insurance homepage:

• Date of departure and return.
• Number of travelers.
• State of residence.
• Current age of travelers.
• Trip cost per traveler.
• Whether you want to see insurance packages or build your own.

After searching for insurance, you can compare insurance packages, including coverage limits.

Confirm your package. Then enter information of all travelers you want to add to the policy.

Compare Amex credit cards with emergency medical assistance

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Name	Product	Filter values	Rewards	Purchase APR	Annual fee
American Express® Gold Card			4x at restaurants including delivery and Uber Eats; 4x at US supermarkets on up to $25,000 annually (then 1x points), 3x points on directly-booked flights and 1x points on other eligible purchases	See Pay Over Time APR	$250	Apply now View details	Rose Gold is Back Earn up to 4x points on select purchases, a bevy of travel perks, and a welcome offer worth up to $600 based on our valuation with this upper-mid tier travel card. Terms apply, see rates & fees	Compare	loading Fetching your data...
The Platinum Card® from American Express			10x points at restaurants worldwide and when you Shop Small in the US on up to $25,000 combined in the first 6 months, 5x points on prepaid hotels booked with American Express Travel, 5x points on directly-booked flights on up to $500,000 annually, then 1x points after that and on other eligible purchases	See Pay Over Time APR	$695	Apply now View details	New Platinum Exclusive Offer One of the most valuable premium travel cards, featuring two welcome offers worth up to $7,000 based on Finder's valuation, multiple travel credits and unrivaled lounge access. Terms apply, see rates & fees	Compare	loading Fetching your data...
Delta SkyMiles® Gold American Express Card			2x miles on Delta purchases, restaurants and at US supermarkets and 1x miles on other eligible purchases	15.74% to 24.74% variable	$0 intro annual fee for the first year ($99 thereafter)	Apply now View details	Earn 70,000 bonus miles after you spend $2,000 in purchases on your new card in your first 3 months. Terms apply, see rates & fees	Compare	loading Fetching your data...

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How can I use travel medical insurance?

If you have a medical emergency, call the Global Assist Hotline or Premium Global Assist Hotline at these numbers:

• Global Assist Hotline (US): 800-333-2639
• Premium Global Assist Hotline (US): 800-345-2639
• Global Assist Hotline (International): 715-343-7977
• Premium Global Assist Hotline (International): 715-343-7979

If you have American Express travel medical insurance and want to file a claim, call the claims phone number on your Certificate of Insurance/Policy. You can also find the claims number by visiting the American Express Travel Insurance website and clicking the Claims link at the top of the page.

What proof will I need for my claim?

Pull up your Certificate of Insurance/Policy and check the Proof of Loss section. There, you’ll find which documentation you’ll need for your claim.
While traveling, keep receipts, medical bills, police reports and similar documents to support your claim.

Who gets to use travel medical insurance?

Select Global Assist Hotline medical services are available to you and eligible family members on the same itinerary, which include your:

• Spouse or domestic partner.
• Dependent up to age 23, or age 26 if a full-time student.

For American Express travel medical insurance, you must take out a policy for anyone who wants coverage.

Bottom line

While American Express credit cards typically don’t offer travel medical insurance, you can get coverage from the provider’s website.

To find a card that offers the insurance you want, compare other travel credit cards

Frequently asked questions

• If I'm not traveling, can I buy American Express travel insurance for someone else?

  Yes. After you select the insurance package, simply enter that person’s name, date of birth, trip cost and state of residence on the Travel Details page.

• What if I'm not an American Express customer? Can I still buy Amex travel insurance?

  Yes. Amex offers coverage to existing and new customers alike, and it accepts all major credit cards.

• Can I buy travel insurance while I'm on my trip?

  No. You must buy it before your trip.