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The Platinum Card® from American Express travel insurance

Get peace of mind with travel insurance and coverage.


Fact checked
The Platinum Card® from American Express comes with baggage insurance and car rental insurance against theft or damage. This insurance package is an excellent addition to the card’s other perks, especially if you often travel.

However, you have to meet certain criteria to activate the travel insurance.

Travel insurance policies provided by The Platinum Card® from American Express

Terms you need to know

Common carrier.

This refers to air, land or water vehicles licensed to carry passengers for hire and are available to the public. Personal or rental vehicles aren’t common carriers.

Covered person.

For baggage insurance, this refers to the main cardholder, their spouse or domestic partner and dependent children under 23 years old. All covered persons must have a permanent residence in one of the 50 states, the District of Columbia, Puerto Rico or the US Virgin Islands.

Covered trip.

This is the trip between the point of departure and the destination as printed on the ticket. The ticket must be issued by the common carrier and paid in full with The Platinum Card® from American Express.

Baggage insurance

Baggage getting ready Image: Getty Images
Who is eligible

The main cardholder, their spouse or domestic partner and dependent children under 23 years old are eligible. You must use your card to pay for the common carrier fare to be covered.

What is included

Your bags are covered only if you are:

  • A passenger on a common carrier.
  • Boarding or exiting the common carrier.
  • On a common carrier’s terminal premises before boarding or after exiting the common carrier.

This means if you lose or damage your bags in your hotel, you won’t be compensated by the card’s insurance.

What isn’t included

American Express baggage insurance doesn’t cover items, such as:

  • Cash, notes, accounts, bills, deeds, food stamps or evidence of debt or intangible property and securities.
  • 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 and nonprescription drugs.
Coverage amounts

These amounts apply for every covered person on a covered trip:

  • $3,000 benefit for baggage replacement while transiting to a common carrier’s terminal with the purpose of boarding the common carrier or when leaving the terminal right after exiting the common carrier.
  • $3,000 benefit for carry-on baggage replacement.
  • $2,000 benefit for checked baggage replacement.
  • $1,000 benefit for loss of high-risk items, including jewelry, sporting equipment, cameras or electronic equipment, computers, 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.

Note: If you lose carry-on and checked baggage, you are limited to a combined benefit of $3,000.

When to file

You have a 30-day window to provide a notice of claim. Contact Amex on toll-free number at 800-645-9700 or call collect at 303-273-6498 if you’re overseas.

Amex will send you a claim form that you have to sign. Send the form, a signed proof of loss and any other required documents within 60 days after receiving further instructions from Amex at AMEX Assurance Company, PO Box 981553, El Paso, TX 79998-9920.

Car rental loss and damage insurance

Friends in a convertible Image: Getty Images
Who is eligible

You must meet the following criteria to be eligible for car rental insurance:

  • You are the main cardholder or an authorized user.
  • You signed the car rental agreement.
  • You are a permanent resident to one of the 50 United States of America, the District of Columbia, Puerto Rico or the U.S. Virgin Islands.
  • You activated your car rental coverage.

How to activate car rental coverage

  1. Decline the full collision damage waiver (CDW) at the rental company or pay for a partial CDW.
  2. Your name is on the rental agreement as the person renting the vehicle.
  3. You must pay with your The Platinum Card® from American Express or using Amex membership reward points.
What is included

Once you activate your coverage, you have 30 consecutive days of car rental insurance against theft or damage.
bags in your hotel, you won’t be compensated by the card’s insurance.

What isn’t included

The car rental insurance doesn’t cover all rental vehicles:

  • Cargo vans, custom vans, vans with a seating capacity over eight passengers, cube van or box truck and trucks with a weight rating of 10,000 lbs or more.
  • Customized vehicles, except for driver’s assistance equipment.
  • Vehicles used for commercial purposes.
  • Leased vehicles.
  • 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.

Note: Vehicles rented in Australia, Italy, New Zealand and countries on the Office of Foreign Assets Control (OFAC) sanctioned list aren’t covered.

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

  • Intentional damage that you caused.
  • 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 the theft or damage happened.
  • Flats or blowout tires or stolen tires, unless they are damaged by fire, malicious mischief or 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 $75,000 per rental agreement.

When to file

Report any damage or theft to law enforcement agency as soon as possible. If you don’t, you may not get any insurance benefits.

Provide notice of claim by contacting Amex at their toll-free number 800-338-1670 or, if you’re abroad, call collect at 216-617-2500. You must do this within 30 days.

If Amex needs proof of loss, they will send you a claim form that you must sign. Amex may also require additional documents that you must send within 60 days after Amex provides you with instructions. Send all these documents to:

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

Compare credit cards with travel insurance

Name Product Welcome offer Rewards Annual fee Filter values
Chase Sapphire Preferred® Card
60,000 points after spending $4,000 in the first 3 months, a value of up to $750 through Chase Ultimate Rewards. Plus up to $50 statement credit towards groceries.
5x points on Lyft, 2x points on up to $1,000 on groceries until April 30, 2021, 2x points on travel and dining and 1x points on all other purchases
Earn a signup bonus worth $750 plus up to $50 statement credit towards groceries with this popular travel card.
Chase Sapphire Reserve®
50,000 points after spending $4,000 in the first 3 months
10x points on Lyft rides, 3x points on dining and travel after earning your $300 travel credit and 1x points on all other purchases
Get a generous $300 in annual travel credits, 3x points on travel and dining, and a 50% bonus on point redemptions with Chase's premier card.
Luxury Card Mastercard® Titanium Card™
1x points on all purchases with 2% point value when you redeem for airfare and 1% for cash back
Enjoy unique excursions, privileged access to exclusive events and insider opportunities.

Compare up to 4 providers

Is The Platinum Card® from American Express travel insurance all you need?

Some travelers may consider the card’s baggage insurance and car rental insurance to be enough. Others may want additional insurance for trip cancellation, trip delay, medical emergency coverage or simply a higher amount of coverage.

How to file a travel insurance claim with The Platinum Card® from American Express.

  1. Call toll-free 800-437-9209 or call overseas collect 303-273-6498 to get more information or to file a claim.
  2. Provide notice of claim.
  3. Wait to receive a claim form from Amex.
  4. Provide proof of loss with the signed claim form and additional documents if required. Typically, you have 60 days after you receive further instructions from Amex to send the proof of loss and the documents at the specified address.

Bottom line

The complimentary baggage insurance and car rental insurance that comes with The Platinum Card® from American Express could be a great option for getting peace of mind without paying extra.

However, if you prefer additional coverage, check out other travel credit cards or check out primary travel insurance and compare your options.

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