Terms apply. There are several reputable travel insurance companies, highly-rated by financial rating organizations such as AM Best, that offer nearly endless options from which to choose. However, if you need outside help such as emergency translation or legal assistance you'll be on the hook for payments to third-party service providers. Featured Image Credit: This is a welcome change. If youre looking for medical coverage for an international trip, for example, purchasing with an established company at a reasonable price makes American Express Travel Insurance a worthy choice. A Comprehensive Guide, Is Hiring a Travel Agent Worth It? Selecting a company is not difficult as there are dozens of reputable, highly financially-rated, established companies, but comparing policies is essential for getting the best value for your money. The most important factors to consider are that youre purchasing from a highly-rated company, the coverages are a match for your needs, and the premium is one with which youre comfortable paying. Annoyance with a side of omelet: Was my day-use hotel room worth the hassle? In addition, as an Amazon Associate we earn from qualifying purchases. I wrote this lengthy article on what American Express Membership Rewards points are worth. Here, we will take a closer look at the coverage offered by Amex Gold Travel Protector. One downside, especially in todays environment, is that American Express Travel Insurance does not sell CFAR insurance. Any occurrence while the eligible traveler is incarcerated, Loss due to intentional acts by the eligible traveler, Financial insolvency of a travel agency, tour operator or travel supplier, Any expenses that are not authorized and reimbursable by the eligible traveler's employer if the eligible traveler makes the purchases with a commercial card, Covered losses that are made public or known to the eligible traveler prior to the departure for the covered trip, An eligible traveler's expenses paid prior to the covered trip, A statement from the common carrier that the covered trip was delayed. Get Travel Guard quotes now Instant quotes from TravelInsurance.com partner site Coverage Cardholders of the American Express Gold Card can get baggage protection on their checked and carry-on bags when traveling on a common carrier such as an airline. Plus Ups are excluded. Up to. The travel insurance coverages that come with your credit card can be sufficient to cover simple trips. Learn more. The high annual fee is only worth it if youre taking full advantage of the cards benefits. Hot Tip: Due to the overall decrease in travel, many travel insurance companies now allow you to cancel your travel insurance and receive a full refund or extend your policy without extra charges. Exploring the Pros, Cons, and Benefits of Utilizing Professional Vacation Planning Services. This information may be different than what you see when you visit a financial institution, service provider or specific products site. Ultimately, the decision to invest in Amex Gold Travel Protector should be based on your individual needs and budget. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion directly. Join us while we check out the types of policies the company offers, any limitations of which to be aware, and additional options for protecting your next trip appropriately. For example, if you become sick with the virus and have to cancel your trip as a result, you may have coverage under trip cancellation insurance. Your trip also isnt covered if you used a combination of miles and dollars unless the miles came from a Membership Rewards transfer. Once your trip is completed, you cannot request a refund. Terms apply. One way to easily compare pricing and coverages is to utilize a travel insurance comparison site to narrow down the appropriate options for your situation. The AmEx Global Assist Hotline services available to. This trip delay insurance kicks in when you pay for a trip with your, Unfortunately, not every flight delay will be covered. Each of these travel protections has limits, exclusions and requirements. The card details on this page have not been reviewed or provided by the card issuer. See our Advertiser Disclosurefor more details. I'll use the Delta SkyMiles Reserve as an example. If you need this coverage while traveling, youll want to purchase a separate policy. Terms apply. Any and all options, reviews, comments and analyses are the responsibility of the author(s) and not any Advertiser or credit card issuer. AmEx Global Assist can help with everything from visa and vaccination information before your trip, to emergency cash wires if things go wrong during your trip. We may receive compensation when you click on links to those products. These items include jewelry, sporting equipment, photographic or electronic equipment, computers and audio/visual equipment. For example, if you book a domestic round-trip flight, a hotel, and a rental car, you may have sufficient coverages on your credit card to cover that trip. If so, where might I find the details and how to price it? Card Rating is based on the opinion of TPGs editors and is not influenced by the card issuer. Before you start filing a claim, make sure you have the documents listed above. Youd also want a travel insurance policy if your trip has a complicated itinerary or if youre anxious about the possibility of having to cancel any portion of the journey. The content featured on UpgradedPoints.com has not been influenced, provided, or reviewed by the credit card companies mentioned. ). members aren't as comprehensive as what you'll get on other premium AmEx cards. Rent a car with your American Express Gold Card to get secondary coverage of up to $50,000 for damage or theft. Even with a steep annual fee, you'll get excellent dining and travel perks that can help make up for the cost. All of these benefits can help make your trip smoother and more enjoyable. Certain vehicle types are excluded such as cargo vans, motorcycles, mopeds and campers. Prices ranged from $59 to $208 to cover the entire trip. The American Express Gold Card's 4 points per dollar earnings rate at restaurants and U.S. supermarkets (up to $25,000 per calendar year, then 1 point) make the card a rewarding choice . However, it is important to note that this cost can add up quickly, so it is important to make sure you are getting the most bang for your buck. And it's not just the cardmember's bags that are covered. Earn 80,000 Membership Rewards points after you spend $6,000 on purchases on your new Card in your first 6 months of Card Membership. Required fields are marked *. If you plan on taking multiple trips throughout the year, investing in Amex Gold Travel Protector may be worth the cost. No responsibility will be taken by the bank advertiser for these comments. How Much Are Travel Points and Miles Worth in 2023? Trips booked with miles from other sources even the cobranded Delta SkyMiles cards from Amex are excluded. When youre covered: To be eligible for coverage, you have to travel on a common carrier, which Amex defines as any air, land or water vehicle (other than a personal or rental vehicle) that is licensed to carry passengers for hire and available to the public. NerdWallet strives to keep its information accurate and up to date. Use your American Express Gold Card to book travel to get up to $1,250 in coverage for lost or stolen baggage and up to $300 in reimbursements during a covered delay of 12 hours or more. Intoxication is defined by the laws of the jurisdiction where such accident occurs, The eligible traveler being under the influence of any narcotic or other controlled substance at the time of an accident, unless the narcotic or other controlled substance is taken and used as prescribed by a Physician, The eligible traveler's commission or attempted commission of any illegal or criminal act, including but not limited to any felony, The eligible traveler parachuting from an aircraft, The eligible traveler engaging or participating in a motorized vehicular race or speed contest, Dental treatment except as a result of accidental bodily injury to sound, natural teeth, Any non-emergency treatment or surgery, routine physical examinations, Hearing aids, eyeglasses or contact lenses, One-way travel that does not have a return destination. You can contact TD Credit Cards from 7:00 a.m. to 12:00 am (EST), seven days a week, at: Within Canada and the U.S.: 1-800-983-8472 . Advertiser Disclosure: Many of the credit card offers that appear on this site are from credit card companies from which we receive compensation. Editorial Disclosure:The content featured on UpgradedPoints.com has not been influenced, provided, or reviewed by the credit card companies mentioned. American Express premium credit cards offer some of the best perks in the credit card space. <bi-shortcode id="table-of-contents-sticky" class="mceNonEditable" data-type="h2">Table of Contents: Masthead Sticky</bi-shortcode><bi-shortcode id="summary-shortcode . The American Express Gold Card is packed with valuable rewards and benefits that make it an easy choice for everyday spenders and frequent travelers. When evaluating offers, please review the financial institutions Terms and Conditions. which covers damage to or theft of eligible car rentals. It is better for dining out and U.S. supermarkets. Cost includes $12.95 plus applicable local sales tax. Youll normally be working with 2 (or more) entities to get your claim resolved. Terms apply. An advance-fee scam is a form of fraud and is one of the most common types of confidence tricks. Amex outlines what is not covered, which includes the following: When you have a delay or trip cancellation/interruption that you think qualifies for coverage, you can file a claim by calling Amex at 1-844-933-0648 within 60 days of the covered loss. Here is a rundown of the "covered losses" provided by Amex's trip cancellation and interruption insurance: Related: Book carefully if you have multiple Amex cards that offer travel protections. In addition, travelers must be permanent residents of one of the 50 states, Washington, D.C., Puerto Rico and the U.S. Virgin Islands. JT Genter is a freelance points, miles and credit card writer formerly of The Points Guy. This trip delay insurance kicks in when you pay for a trip with your American Express Gold Card or AmEx points. 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