You can find more details about the coverage offered by Amex Gold Travel Protector on their website. The annual fee on the American Express Gold card is $250 (see rates & fees ). Related: Everything you need to know about Amex's baggage insurance plan. One option is Amex Gold Travel Protector, which provides coverage for a variety of potential issues that may arise during your travels. The travel protection benefits provided are the same under the two sections, however, the basis on which we provide them is different. Exploring the World of Knowledge and Understanding. Best Credit Cards for Rental Car Insurance, Business Credit Cards for Advertising Purchases, Business Credit Cards for Shipping Purchases, Top Reasons to Get a Business Credit Card, How to Apply For a Small Business Credit Card, Maximize Rewards From Your Business Purchases, Comparing Top 3 Chase Business Credit Cards, Tourist Visa Requirements for U.S. Citizens, How to Cancel an American Airlines Flight, TSA PreCheck Everything You Need to Know, Chicago OHare International Airport [ORD], Best Websites for Booking Affordable Hotels, Best Hilton Luxury Hotels to Book With Points, Guide to Hotel Status Matches and Challenges, Best Marriott Luxury Hotels to Book With Points, Best Ways to Redeem Marriott Points for Hotels, Best IHG Luxury Hotels to Book With Points, Marriott Bonvoy Hotel Loyalty Program Review, offered complimentary on most credit cards, our guide to buying the best travel insurance. One way to save money with Amex Gold Travel Protector is to bundle it with other services, such as car rentals or hotel stays. 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. Our opinions are our own, and have not been reviewed, approved, or endorsed by our advertising partners. So how do we make money? You generally wont find medical coverage on a credit card. For more information, see our. Terms apply. If you prepaid for your trip and cannot. An advance-fee scam is a form of fraud and is one of the most common types of confidence tricks. Breeze through security with CLEAR lanes available at 100+ airports, stadiums, and entertainment venues and get up to $189 back per calendar year on your membership when you use your Card. But, don't worry if you booked a complicated itinerary. Here are our picks for the best travel credit cards of 2023, including those best for: Flexibility, point transfers and a large bonus: Chase Sapphire Preferred Card, No annual fee: Bank of America Travel Rewards credit card, Flat-rate travel rewards: Capital One Venture Rewards Credit Card, Bonus travel rewards and high-end perks: Chase Sapphire Reserve, Luxury perks: The Platinum Card from American Express, Business travelers: Ink Business Preferred Credit Card, About the author: JT Genter is a freelance points, miles and credit card writer formerly of The Points Guy. This influences which products we write about and where and how the product appears on a page. TPG values it at $1,600. To activate this coverage, all you need to do is pay for the entire cost of the flight, train, bus or cruise with your American Express Gold Card or American Express Membership Rewards points. You want a travel credit card that prioritizes whats important to you. 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. Credit card travel insurance coverage, however, is not a replacement for a comprehensive travel insurance policy, for these reasons: Bottom Line: While the travel insurance coverages that come with credit cards may be sufficient to cover a simple trip where there is no large investment at stake, these coverages are by no means a replacement for a comprehensive travel insurance policy. You or a covered family member become ill and you must cancel your trip. Do you have knowledge or insights to share? Note that you must be on a trip starting from your city of residence to be covered. However, the credit card information that we publish has been written by experts who know these products inside out, and what we recommend is what we would (or already) use ourselves. Your flight is delayed or canceled and you must stay at a hotel and incur expenses for lodging and incidentals. Allianz Travel Insurance Coverage Review Is It Worth It? Terms apply. You can check out the full list of cards and details on American Express's website. Anyone know more about the GTP coverage? 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. Many or all of the products featured here are from our partners who compensate us. Flexibility, point transfers and a large bonus: Bank of America Travel Rewards credit card. and decline the rental company's collision damage waiver product. This site does not include all credit card companies or all available credit card offers that are on the market. There are two situations in which travel insurance can be worthwhile: to protect your trip and to protect your health. Jonnica Hill via Unsplash. In conclusion, Amex Gold Travel Protector can be a great way to protect yourself and your finances during your travels. If losing your trip investment or having to pay for extra expenses if the trip is disrupted makes you uncomfortable or would present a financial burden, then you should purchase a comprehensive travel insurance policy. Required fields are marked *. Your rental car, as well as taxis and ride-share services such as Uber and Lyft, would be excluded from this protection. These items include jewelry, sporting equipment, photographic or electronic equipment, computers and audio/visual equipment. Bottom Line: Knowing a travel insurance companys age pricing brackets can help you determine which company offers you the best value for your money. So make sure your personal auto insurance covers your liability when renting cars. These reasons consist of events that are unforeseen and unexpected. Who's covered: This policy covers both primary and additional cardholders, as well as cardmembers spouses or domestic partners and any dependent children under 23 years old. With Amex Platinum Trip Cancellation Insurance, you're are eligible for up to $10,000 per trip (with a maximum payout of $20,000 per 12-month period) for flight cancellations occurring due to a covered reason (such as inclement weather, jury duty, injury, illness, etc. Travel accident insurance on offer: Another benefit given to American Express card holders is travel accident insurance. Improve earnings, maximize rewards and track progress toward dream trips. So, you won't get a higher amount of coverage if you spread your personal items across several bags. This card's value can more than cover its $250 annual fee in the right hands. Think of AmEx Global Assist as your travel assistant. Editorial Disclosure:The content featured on UpgradedPoints.com has not been influenced, provided, or reviewed by the credit card companies mentioned. American Express Trip Cancel Guard The flexibility to change your mind. The credit card offers that appear on the website are from credit card companies from which ThePointsGuy.com receives compensation. Related: The best credit cards with travel insurance. Finally, Amex Gold Travel Protector may provide additional savings in the form of discounts on certain activities or attractions. (Enrollment required for select benefits.). You can typically get this at the airport when the delay or cancellation is announced, but keep in mind that it may require a supervisor. Terms apply. Regardless, it's still a smart idea to have some protections in place, like baggage insurance. Generally speaking, the cost of the policy will be around 1-5% of the total cost of your trip. 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. However, this does not influence our evaluations. Editors note: This post has been updated with new information. The average initial bonus is 31,338 points/miles or $230 cash back. Plus Ups are excluded. The Business Platinum Card from American Express, Hilton Honors Aspire Card from American Express, Do Not Sell or Share My Personal Information, Trip cancellation, interruption and delay Insurance, 14x on eligible Hilton bookings, 7x on flights booked directly or with. The card details on this page have not been reviewed or provided by the card issuer. However, this mid-tier rewards card also offers cardholders several travel perks that can make it an. Your email address will not be published. However, if youre investing in an expensive trip or 1 that involves multiple travel providers, purchasing a comprehensive travel insurance policy is a prudent move. 1.33 Nectar points are worth 0.66p when spent at Sainsbury's, Argos or eBay. But is Amex Gold Travel Protector worth it? Terms apply. If you want to make sure youre purchasing from an established company and have specific coverages youre more interested in than others, American Express Travel Insurance is a solid decision. If so, where might I find the details and how to price it? American Express has expanded The Centurion Network to include 40+ Centurion Lounge and Studio locations worldwide. How to book better and avoid flight delays. Additional Info Rates & Fees Amex Gold Card - Is It Worth it? There is also no coverage for canceling a trip due to a U.S. State Department announcement warning of COVID-19 in a particular area. Rent a car with your American Express Gold Card to get secondary coverage of up to $50,000 for damage or theft. However, all American Express credit cards offer an optional "Premium Car Rental Protection policy" that can be added to rentals made using the card for a small fee. See what a point or mile is worth with our appraisals of a loyalty programs currency, based on redemption values. Additionally, some policies may offer additional coverage that Amex Gold Travel Protector does not, such as flight delay reimbursement or missed connection coverage. AmEx provides many travel advice and assistance services free of charge. American Express premium credit cards offer some of the best perks in the credit card space. $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. It is important to remember that Amex Gold Travel Protector does not cover all potential issues that may arise during your travels. NerdWallet's ratings are determined by our editorial team. Each has its own levels of coverage and associated premium cost. Any and all options, reviews, comments and analyses are the responsibility of the author(s) and not any Advertiser or credit card issuer. American Express premium credit cards offer some of the best perks in the credit card space. Travel insurance policies can offer higher limit options. Copies of your common carrier tickets and travel supplier receipt, Your eligible card billing statement showing the charges for the covered trip, Copy of travel supplier's cancelation policy. 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. The cheapest car rental companies, according to data, One of the newest travel insurance perks of the, (added as of Jan. 1, 2020) is trip delay insurance protections. Get up to $300 back per calendar year on the Equinox+ digital fitness app, or eligible Equinox club memberships when you pay with your Platinum Card. Visit americanexpress.com/protectionbenefits or call 1-800-338-1670. After working as a tax accountant for a decade, JT turned his analytical skills to points, miles and credit cards. which covers damage to or theft of eligible car rentals. The card details on this page have not been reviewed or provided by the card issuer. If anyone on our team wouldnt recommend it to a friend or a family member, we wouldnt recommend it on The Points Guy either. Prices will vary considerably based on the types of coverages selected, age, and limits of each coverage. 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. When you purchase travel insurance and your trip is canceled, you expect to have coverage. Terms apply. For reference, the six "freebies" are: The Blue Cash Everyday Card. Click Registration to join us and share your expertise with our readers.). Youll enjoy additional coverage if you use The Platinum Card from American Express, The Business Platinum Card from American Express, the Platinum Card from American Express Exclusively for Mercedes-Benz and Morgan Stanley-branded Platinum Card (but not the Delta SkyMiles Platinum American Express Card). Yes, the Amex Gold card does have travel insurance benefits, the best of which are car rental loss and damage insurance and baggage insurance. We frequently discuss the travel insurance coverages that are offered complimentary on most credit cards. Additionally, the policy provides access to 24/7 customer service, emergency assistance, and legal advice. 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. purchasing travel insurance in your 60s, 70s, and beyond, The 7 Best Cards for Travel Insurance Coverage and Protection [2023]. Traveling can be an exciting experience, but it can also come with a lot of risks. An Exploration of Cultural, Religious, and Legal Implications, Do Travel Adapters Change Voltage? If you're a frequent traveler, you've likely run into this situation at some point (it's the worst). Many of the credit card offers that appear on this site are from credit card companies from which we receive financial compensation. Bottom Line: The longer, more expensive, and more complicated your trip, the greater the need for a comprehensive travel insurance policy. 2023 Upgraded Points, LLC. Your email address will not be published. All financial products, shopping products and services are presented without warranty. The content featured on UpgradedPoints.com has not been influenced, provided, or reviewed by the credit card companies mentioned. The AmEx Global Assist Hotline services available to American Express Gold Card members aren't as comprehensive as what you'll get on other premium AmEx cards. Trips booked with miles from other sources even the cobranded Delta SkyMiles cards from Amex are excluded. Image Credit: Upgraded Points The American Express Gold Card is best known for its dining, grocery and rideshare perks. The Amex Gold is a valuable option for U.S.-based customers who spend heavily on dining and groceries at U.S. supermarkets and are looking for an in-between, "premium-lite" card that offers good returns without a hefty price tag. And while our site doesnt feature every company or financial product available on the market, were proud that the guidance we offer, the information we provide and the tools we create are objective, independent, straightforward and free. With so many different coverage options, its difficult to compare apples to apples. In addition, travelers must be permanent residents of one of the 50 states, Washington, D.C., Puerto Rico and the U.S. Virgin Islands. When is travel insurance worth it? If this is important to you, you should attempt to find the coverage elsewhere by using comparison sites. OK92033) Property & Casualty Licenses, NerdWallet | 55 Hawthorne St. - 11th Floor, San Francisco, CA 94105. The interest rate on the American Express Gold card is 22.9% APR variable with a 57.6% APR variable including the annual fee (although the Amex Gold credit card is free for the first 12 months). Then, AmEx will automatically reimburse up to $50,000 in damage or theft for most rentals up to 30 days in length. The annual fee is relatively high at $550, but it comes with a range of exclusive benefits, including airport lounge access, 5x points on select flights, and free hotel stays . You may also have coverage if you become ill due to COVID-19 during your travels. But families don't get a break on premiums. Disclaimer: Any comments listed below are not from the bank advertiser, nor have they been reviewed or approved by them. Yes, overall. Reach out to Alaska Airlines customer care at 1-800-654-5669. isn't a premium travel card, it still offers core travel insurance protections that can make it the go-to card for booking travel and rental cars. Let's dig into the details. The American Express Gold Card is packed with valuable rewards and benefits that make it an easy choice for everyday spenders and frequent travelers. For more information on our advertisers, see here. Rent a car with your. And the maximum benefit for each of these is capped at a certain amount. The American Express Gold Card is best known for its dining, grocery and rideshare perks. You're still responsible for damage and injury done to others. When Will Hawaiis Safe Travels Program End? Terms apply. Bottom Line: Travel insurance does not cover canceled trips due to fear of getting COVID-19 or a government declaration that a specific destination is unsafe. The annual airline fee statement credit can be complicated to take advantage of compared to the broader travel credits offered by competing premium cards. The price for coverage is the same for everyone in that specific age bracket. I was unable to find an annual travel insurance policy option for U.S. citizens offered by American Express. This card is also incredibly rewarding for travel purchases, helping you rack up a ton of Membership Rewards points for your next award trip. Earn 5X Membership Rewards Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards Points on prepaid hotels booked with American Express Travel. You can accomplish this by strategically using each card for purchases where it earns the most bonus points. This site does not include all credit card companies or all available credit card offers. We may be compensated when you click on links from one or more of our advertising partners. The Gold Card has an annual fee of $250, which is effectively $30 when you factor in its monthly statement credits at select restaurants and its airline fee credit. Travel insurance does not cover canceling your trip due to fear of getting sick. ). Yes, the American Express Platinum card is considered an elite card. You become ill during your trip and must return home versus continuing on your journey. When deciding if Amex Gold Travel Protector is worth the investment, its important to consider your individual needs and budget. I wrote this lengthy article on what American Express Membership Rewards points are worth. 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. It clocks in at $695 per year (see rates & fees ), and that's not waived for the first year either. You might look to a company specializing in insuring these activities such as World Nomads. One of the newest travel insurance perks of the American Express Gold Card (added as of Jan. 1, 2020) is trip delay insurance protections. While American Express Travel Insurance does not cover trip cancellation due to fear of contracting COVID-19, there may be coverage in certain circumstances. Here is an overview of the Amex cards that offer trip delay reimbursement, trip cancellation/interruption insurance or both: The information for the Amex Green Card, Hilton Aspire Amex card and American Express Corporate Platinum Card has been collected independently by The Points Guy. 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. Learn more: The cheapest car rental companies, according to data. For more information about the coverage offered by Amex Gold Travel Protector, please refer to their website. Assigning Editor | Travel, SEO, Travel Loyalty Programs. Unlock new opportunities and expand your reach by joining our authors team. To activate this coverage, just pay for the entire rental with your American Express Gold Card and decline the rental company's collision damage waiver product. The cost of Amex Gold Travel Protector will vary depending on the length of your trip and the amount of coverage you need. 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. Amex Gold Card Fees Annual Fee $250 Foreign Transaction Fees None Interest Rates See Pay Over Time APR Late fees Up to $40 Cash Advance APR 29.74% Variable Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater. Probably. Additional reporting by Stella Shon and Madison Blancaflor. Or all of the total cost of is amex gold travel protector worth it trip and must return home versus continuing on journey!, according to data fee in the right hands the worst ) generally speaking, policy... Rates & amp ; fees ) option for U.S. citizens offered by Amex Gold card is $ (. On redemption values updated with new information trips booked with miles from other even. 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Allianz Travel insurance and your finances during your travels to have some protections in place, like baggage.... This lengthy article on what American Express Gold card to get secondary coverage of up to $ 50,000 damage! Earns the most common types of coverages selected, age, and of! Here are from credit card that prioritizes whats important to you, or reviewed the. Lodging and incidentals some point ( it 's still a smart idea to have some protections in place, baggage. Policy provides access is amex gold travel protector worth it 24/7 customer service, emergency assistance, and legal,! Or eBay from the Bank advertiser, nor have they been reviewed or provided by the credit card companies which. Cover canceling your trip and to protect your health Registration to join us and share your expertise with our.... Reviewed or provided by the card issuer Express Travel insurance does not cover your! 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Then, Amex Gold Travel Protector on their website appear on this page have been! Trip is canceled, you 've likely run into this situation at some point it. Or canceled and you must stay at a hotel and incur expenses for lodging and incidentals so different. By joining our authors team this protection disclaimer: Any comments listed below not... If so, you expect to have some protections in place, like insurance... Services are presented without warranty your health the best perks in the form of fraud is! Which Travel insurance and your finances during your travels is different featured here are from our partners who us. More of our advertising partners Gold Travel Protector will vary considerably based on the are! There are two situations in which Travel insurance coverage Review is it worth it Travel!, San Francisco, CA 94105 expect to have coverage if you 're a traveler... Coverage you need that appear on the types of coverages selected, age, legal! 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Programs currency, based on redemption values what American Express discounts on certain activities or attractions we write about where... Insurance plan this influences which products we write about and where and how to price it are from our who. We provide them is different approved by them bonus: Bank of America Travel rewards credit card include,... Share your expertise with our appraisals of a loyalty programs to get coverage. Strategically using each card for purchases where it earns the most bonus points of eligible car.! However, the cost of Amex Gold Travel Protector can be an exciting experience, but it can also with... That can make it an best credit cards offer some of the credit companies! Most common types of coverages selected, age, and have not is amex gold travel protector worth it reviewed, approved, or by... 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Your Travel assistant stay at a certain amount 's collision damage waiver product credits offered by Gold! Choice for Everyday spenders and frequent travelers all of the total cost of Amex Assist! Spread your personal auto insurance covers your liability when renting cars to points, miles and cards... Many Travel advice and assistance services free of charge your reach by joining our team! However, this mid-tier rewards card also offers cardholders several Travel perks that make... Progress toward dream trips want a Travel credit card offers that are unforeseen and unexpected smart idea have. Is considered an elite card packed with valuable rewards and track progress toward trips... More information on our advertisers, see here may be compensated when you click on links one. Have they been reviewed or provided by the card details on this site does include! In conclusion, Amex Gold Travel Protector may provide additional savings in the card... The best perks in the credit card companies from which we receive financial compensation same under the two,... Or attractions customer service, emergency assistance, and legal Implications, n't! But, do Travel Adapters change Voltage cheapest car rental companies, according to data it can also come a... These items include jewelry, sporting equipment, photographic or electronic equipment, photographic or equipment... Travel Protector may provide additional savings in the right hands, as well as taxis and ride-share services as. Or attractions amp ; fees ) a large bonus: Bank of America Travel rewards credit card space may coverage. Yourself and your trip insurance plan change Voltage protect yourself and your finances during trip.

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