If you can max out all the benefits this card has to offer, it might become a cornerstone of your wallet. Get $200 back in statement credits each year on prepaid Fine Hotels + Resorts or The Hotel Collection bookings, which requires a minimum two-night stay, through American Express Travel when you pay with your Platinum Card. AmEx provides many travel advice and assistance services free of charge. Here, we will take a look at how Amex Gold Travel Protector compares to other travel insurance policies. Terms apply. Pre-qualified offers are not binding. $155 Walmart+ Credit: Cover the cost of a $12.95 monthly Walmart+ membership with a statement credit after you pay for Walmart+ each month with your Platinum Card. We frequently discuss the travel insurance coverages that are offered complimentary on most credit cards. check out the full list of cards and details on American Express's website. Learn more: The best travel credit cards may surprise you. 3x on eligible Delta purchases, 1x on all other purchases. TPG has a guide of the best American Express cards, but here are some of the best cards in terms of the return you could receive when renting a car. <p><img src="https://static6.businessinsider.com/image/5dd85b72fd9db25e383b14e3-2377/american express 6.jpg" border="0" alt="american express 6" data-mce-source . Finally, Amex Gold Travel Protector may provide additional savings in the form of discounts on certain activities or attractions. Based on dozens of quotes obtained, pricing brackets were determined to be as follows: Knowing this upfront can help you determine if youre at the beginning of the highest price bracket or the end. to get secondary coverage of up to $50,000 for damage or theft. Then, AmEx will automatically reimburse up to $50,000 in damage or theft for most rentals up to 30 days in length. The high annual fee is only worth it if youre taking full advantage of the cards benefits. Few travel insurance companies offer the option to purchase stand-alone travel medical coverage. But, don't worry if you booked a complicated itinerary. Trip delay insurance reimburses expenses when your travel plans are delayed by more than 12 hours. Empowering Lives with Nutritious and Delicious NDIS Meals! Terms apply. AmEx even covers the loss or damage of bags on the way to or from the "common carrier terminal" (e.g., the airport). Required fields are marked *. <bi-shortcode id="table-of-contents-sticky" class="mceNonEditable" data-type="h2">Table of Contents: Masthead Sticky</bi-shortcode><bi-shortcode id="summary-shortcode . Travel insurance does not cover canceling your trip due to fear of getting sick. Amex Gold Travel Protector offers a range of coverage options, including trip cancellation and interruption coverage, medical and dental coverage, baggage protection, and more. 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 . One option is Amex Gold Travel Protector, which provides coverage for a variety of potential issues that may arise during your travels. You can accomplish this by strategically using each card for purchases where it earns the most bonus points. document.getElementById( "ak_js_1" ).setAttribute( "value", ( new Date() ).getTime() ); Disclaimer:Upgraded Points, LLC and its website, UpgradedPoints.com, provides information on credit cards, reward programs, travel information and ancillary information concerning travel and credit cards. You generally wont find medical coverage on a credit card. All financial products, shopping products and services are presented without warranty. Terms and conditions apply. You can select a package policy that includes several types of coverages in 1 plan or you can build your own travel insurance plan and select just the coverages that are important to you. 3x on eligible Delta purchases, 1.5x on purchases of $5,000 or more (up to 50,000 additional miles per calendar year), 1x on all other purchases. Additional coverages can be added to travel insurance policies such as CFAR insurance, a preexisting conditions waiver, and other benefits not available with credit cards. All Amex cards have access to Amexs Global Assist Hotline, but the Premium Global Assist Hotline and higher level of coverage are reserved exclusively for the Amexs premium cards: The information for the Amex Centurion and Amex Business Centurion cards has been collected independently by The Points Guy. Carry-on bags are covered for up to $1,250, which is good to know since your belongings could be stolen from the overhead bins. The Amex Gold's current welcome bonus offer is 60,000 Membership Rewards points after spending $4,000 on purchases in the first 6 months. However, this mid-tier rewards card also offers cardholders several travel perks that can make it an appealing option for booking flights and rental cars. When considering Amex Gold Travel Protector, its important to understand what types of coverage it offers. This is a key benefit of purchasing travel insurance through American Express Travel Insurance. as your travel assistant. So, you won't get a higher amount of coverage if you spread your personal items across several bags. One of the newest travel insurance perks of the American Express Gold Card (added as of Jan. 1, 2020) is trip delay insurance protections. You can use points earned with the AmEx Gold to offset flights booked through American Express Travel, AmEx's easy-to-use travel portal, but you'll only get one cent per point in value. However, it can still be an excellent resource when you need help before or during your travels. You can check out the full list of cards and details on American Express's website. As a digital nomad for nearly five years, JT proves through experience that credit card rewards can drastically reduce the cost of travel. Accidental bodily injury or loss of life or sickness of either the eligible traveler, traveling companion or a family member of the eligible traveler or traveling companion, Inclement weather, which prevents a reasonable and prudent person from traveling or continuing on a covered trip, The eligible traveler or his or her spouses change in military orders, Call to jury duty or subpoena by the courts, either of which cannot be postponed or waived, The eligible traveler or traveling companion's dwelling made uninhabitable, Quarantine imposed by a physician for health reasons, The eligible traveler's suicide, attempted suicide or intentionally self-inflicted injury, Mental or emotional disorders, unless hospitalized, The eligible traveler's participation in a sporting activity for which he or she receives a salary or prize money, The eligible traveler's being intoxicated at the time of an accident. We used policy comparison websites and found similar but not identical policies. Enrollment required. Allianz Travel Insurance Coverage Review Is It Worth It? Over the years, airlines have been working on improving the baggage system by introducing live bag tracking. Learn more: Rental car insurance explained. All information and content provided by Upgraded Points is intended as general information and for educational purposes only, and should not be interpreted as medical advice or legal advice. There is no doubt that American Express is a financially-stable, established, and well-respected travel insurance company. Norway, officially the Kingdom of Norway, is a Nordic country in Northern Europe, the mainland territory of which comprises the western and northernmost portion of the Scandinavian Peninsula.The remote Arctic island of Jan Mayen and the archipelago of Svalbard also form part of Norway. Car rental insurance which covers damage to or theft of eligible car rentals. After working as a tax accountant for a decade, JT turned his analytical skills to points, miles and credit cards. The coverage for pre-existing conditions stops at $30,000. These include 24/7 customer service, emergency assistance, access to legal advice, and discounts on rental cars and hotels. But is Amex Gold Travel Protector worth it? Be sure to include the names of everyone in your party, flight confirmation number, flight numbers, travel dates and your contact information. Terms apply. If you need this coverage while traveling, youll want to purchase a separate policy. This post contains references to products from one or more of our advertisers. As long as you paid full fare on a common carrier, your flight is. If you're a frequent traveler, you've likely run into this situation at some point (it's the worst). A counterfeit scheduled airline or train ticket; or a scheduled airline or train ticket which is charged to a fraudulently issued or fraudulently used eligible card. 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. It is important to remember that Amex Gold Travel Protector does not cover all potential issues that may arise during your travels. Perhaps, for example, you have a need for just medical coverage while traveling abroad. Any and all options, reviews, comments and analyses are the responsibility of the author(s) and not any Advertiser or credit card issuer. Hilton Honors American Express Aspire Card: The Amex EveryDay Preferred Credit Card from American Express, Everything you need to know about Amex's baggage insurance plan. When not traveling, Megan adventures around her Midwest home base where she likes to attend theme parties, ride her bike and cook Asian food. Additionally, some credit cards offer discounts on Amex Gold Travel Protector when purchased through their platform. For example, you'll generally need to pay for trips with your American Express Gold Card to get these travel protections. TPG values it at $1,600. If you plan on taking multiple trips throughout the year, investing in Amex Gold Travel Protector may be worth the cost. Learn more. When evaluating offers, please review the financial institutions Terms and Conditions. I have purchased annual plans via Allianz and Travel Guard. See our Advertiser Disclosurefor more details. What is Delta Air Lines elite status worth in 2023? The content featured on UpgradedPoints.com has not been influenced, provided, or reviewed by the credit card companies mentioned. However, you'll need to be wary of several key restrictions: Coverage is secondary. The annual fee on the American Express Gold card is $250 (see rates & fees ). Travel insurance can help you avoid losing the investment you made when booking your trip, reimburse you for covered expenses should your trip be disrupted due to a covered event, or pay for emergency medical services. Travel accident insurance on offer: Another benefit given to American Express card holders is travel accident insurance. Upgraded Points, LLC uses reasonable efforts to maintain accurate information on the site and p. rior to applying for any credit card offers found on UpgradedPoints.com, all visitors should review other features of such credit cards including but not limited to interest rates, annual fees and transaction fees, and should determine the suitability of such credit cards considering their own individual financial position. The coverage on the $102 Assistance USA plan above compares more with the Amex Gold plan at $157. This bonus is worth roughly $402, according to WalletHub's calculations. In addition, as an Amazon Associate we earn from qualifying purchases. The information provided is for informational purposes only and should not be considered financial, tax or legal advice. I wrote this lengthy article on what American Express Membership Rewards points are worth. 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. is not covered on travel insurance policies. Coverage is worldwide except for where it would violate U.S. trade or economic sanctions. Rent a car with your. is best known for its dining, grocery and rideshare perks. So how do we make money? In conclusion, Amex Gold Travel Protector can be a great way to protect yourself and your finances during your travels. Terms apply. on their checked and carry-on bags when traveling on a common carrier such as an airline. Also, like several other travel insurance companies, high-risk adventurous activities may not be covered with American Express Travel Insurance. These complimentary coverages are useful and can offer more than adequate coverage for most trips. This card is also incredibly rewarding for travel purchases, helping you rack up a ton of Membership Rewards points for your next award trip. It has relevant bonus . It clocks in at $695 per year (see rates & fees ), and that's not waived for the first year either. Megan Lee joined the travel rewards team at NerdWallet with over 12 years of SEO, writing and content development experience, primarily in international education and nonprofit work. 2Cancel For Any Reason Waiver applies only if the Travel Protection Plan is purchased within . You must purchase a new policy for each individual trip. When Will Hawaiis Safe Travels Program End? Finally, there are potential savings available through bundling the policy with other services or through discounts offered by certain credit cards. The card details on this page have not been reviewed or provided by the card issuer. Coverage limits are set on credit card travel insurance. Fortunately, travel insurance is widely available, reasonably affordable, and simple to secure. Yes, the Amex Gold card does have travel insurance benefits, the best of which are car rental loss and damage insurance and baggage insurance. You can change or modify your policy prior to your trip. Our opinions are our own. Additionally, it is important to remember that the policy does not cover all potential issues that may arise during your travels, so you may need to purchase additional coverage. You can see the entire list of cards that offer secondary car rental protection on the American Express website. Terms apply. American Express has expanded The Centurion Network to include 40+ Centurion Lounge and Studio locations worldwide. Want more credit card news and advice from TPG? This may influence which products we review and write about (and where those products appear on the site), but it in no way affects our recommendations or advice, which are grounded in thousands of hours of research. Think of AmEx Global Assist as your travel assistant. When you purchase travel insurance and your trip is canceled, you expect to have coverage. CFAR insurance is expensive, does not cover the entire cost of your trip, and not all companies sell the coverage, including American Express Travel Insurance. AmEx doesn't provide coverage for vehicles rented in Australia, Italy or New Zealand. Traveling can be an exciting experience, but it can also come with a lot of risks. Travel insurance policies can offer higher limit options. Prices ranged from $59 to $208 to cover the entire trip. Sometimes it's worth a large investment to reap the benefits of a great credit card. When deciding whether or not Amex Gold Travel Protector is worth it, its important to consider both the advantages and disadvantages of the policy. For rates and fees of the Amex Platinum card, please click here.For rates and fees of the Amex Gold card, please click here.For rates and fees of the Amex Business Gold card, please click here.For rates and fees of the Amex Green card, please click here.For rates and fees of the Hilton Aspire card, please click here.For rates and fees of the Amex Blue Business Plus card, click here.For rates and fees of the Marriott Bonvoy Brilliant card, click here.For rates and fees of the Delta SkyMiles Reserve card, please click here.For rates and fees of the Delta SkyMiles Reserve Business card, please click here.For rates and fees of the Delta SkyMiles Platinum card, please click here.For rates and fees of the Amex Business Platinum card, click here. This. This option can save the traveler money. Terms apply to the offers listed on this page. Seldom travelers may not get enough value to warrant the cost. How much it covers: Most American Express credit cards will cover replacement costs for checked bags and their contents up to $500 per person, although so-called high-risk items are only covered for a maximum of $250. Best card for premium perks while traveling, Capital One Venture X Rewards Credit Card, The Business Platinum Card from American Express, Quick Points: Use Virgin Atlantic's new calendar search feature to find Delta partner award space. Megan has built and directed remote content teams and editorial strategies for websites like GoAbroad and Go Overseas. Travel Protection Plan. And the maximum benefit for each of these is capped at a certain amount. However, it can still be an excellent resource when you need help before or during your travels. Even with a steep annual fee, you'll get excellent dining and travel perks that can help make up for the cost. Her previous experience involved building and writing business plans in the mergers and acquisitions sector in New York, as well as staffing in the insurance and financial technology software field. Our opinions are our own, and have not been reviewed, approved, or endorsed by our advertising partners. This is a very limited comparison your results will be different based on your specific details. Find the right card for you. How to get rental car insurance through the. This trip delay insurance is effective as long as you start from your home and pay for your entire trip with the. Keep in mind that a provider may ask for additional documentation related to the incident, so you may have to collect receipts and other forms to help your case. On a common carrier such as an Amazon Associate we earn from purchases! 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