American Express Travel Insurance

Travel insurance has a bad reputation as being an expensive, unnecessary expense—and it’s true that not all travel insurance is created equal. But American Express Travel Insurance, also known as Gold Box Insurance, comes with perks and discounts you won’t find anywhere else, making it well worth the price of protection. Here’s everything you need to know about this travel insurance perk from American Express and how to best use it for your next vacation abroad or weekend getaway at home.

What Is American Express Travel Insurance?

American Express offers travel insurance as a part of their Membership Rewards program. The benefits are a little different than most other travel insurance policies, but the coverage is comprehensive and the premiums are reasonable. Let's take a look at what you get with American Express travel insurance and how it works.

What Does American Express Travel Insurance Cover?

American Express Travel Insurance includes coverage for lost luggage, missed connections, trip interruption and more. The policy will cover you up to $500 per person with a maximum of $5000 in coverage for each event. If your luggage is lost or damaged, American Express will pay up to $1000 per passenger with a maximum of $5000 per baggage incident. If you miss your connecting flight due to circumstances beyond your control like bad weather, then American Express Travel Insurance will reimburse the full fare of a ticket on another airline if the delay is four hours or longer.

The American Express travel insurance policy also covers medical expenses if the traveler becomes ill while traveling outside their home country - so it's important that travelers know how much their medical insurance covers before traveling abroad. American Express Travel Insurance also provides coverage for lost cash and valuables as well as personal liability protection.

How Much Does American Express Travel Insurance Cost?

American express travel insurance is available in two different levels: Gold and Platinum. The gold plan will cost you $19.99 per trip, while the platinum plan will cost you $29.99 per trip. This includes coverage for medical expenses, emergency medical transportation, lost or delayed baggage, and more--but it does not cover the cost of your airline ticket or hotel stay.

In addition, there is some exclusion that might come up that can be very important to know about before you purchase a policy. For example, if a traveler was expecting a baby during their travels but had not yet given birth before they left on their trip, then this would not be covered under American Express Travel Insurance because the insurance only covers emergencies that happen while traveling and emergencies related to pregnancy after traveling outside of the United States are excluded from coverage.

Is American Express Travel Insurance Worth It?

American Express Travel Insurance is worth it if you're someone who travels a lot and needs the peace of mind that comes with knowing that you'll be covered in case of emergency. This type of insurance includes Emergency Evacuation and Repatriation coverage, Emergency Medical/Dental Expenses coverage, and Trip Cancellation/Trip Interruption coverage, among others. The best part about this type of insurance is that it's affordable for most people - often times starting at less than $100 per year.

Insurance can be complicated, but American Express Travel Insurance is simple because there are no limits on what they will cover. If you purchase this insurance from American Express when buying your airline ticket or hotel room, then it will be automatically included in your policy at no additional cost to you.

How Do I Get American Express Travel Insurance?

To get American Express Travel Insurance, you'll need to purchase the service with your eligible American Express card. It's an optional add-on that provides coverage for medical expenses and emergency medical evacuation. If a family member needs emergency medical treatment or assistance when traveling, American Express offers up to $1 million in coverage for pre-existing conditions not covered by your personal health insurance.

American Express travel insurance can also cover lost luggage if it's delayed or stolen, hotel accommodations when a flight is canceled or rerouted due to weather or other emergencies, rental car reimbursement and more.

American Express Travel Insurance in Other Countries

The American Express travel insurance is available in Australia, Canada, Mexico and the UK. The benefits are pretty similar across all four countries. There are a few variations between policies that need to be checked out before traveling abroad so it's important to read the specifics of each one before committing to one.

There is also a separate policy for travelers with disabilities who may require special treatment or accommodations when travelling internationally. In general, American Express travel insurance can give you peace of mind when travelling around the world knowing you're covered by quality insurance should something happen to you or your belongings while on your trip.

In a Conclusion

The American Express travel insurance is a great way to protect yourself from financial loss if something were to happen while you are travelling. Whether you are backpacking through Europe or visiting family in another country, American express travel insurance can provide the peace of mind you need in case of an emergency.

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