This post contains references to products from one or more of our advertisers. Sometimes it's worth a large investment to reap the benefits of a great credit card. Reach out to Alaska Airlines customer care at 1-800-654-5669. Another useful American Express Gold Card travel insurance protection covers cardmembers when they rent a car. I wrote this lengthy article on what American Express Membership Rewards points are worth. All financial products, shopping products and services are presented without warranty. Be sure to include the names of everyone in your party, flight confirmation number, flight numbers, travel dates and your contact information. Types of Amex Gold card Travel Insurance Prices will vary considerably based on the types of coverages selected, age, and limits of each coverage. 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. Here are some of the most popular, easy-to-use comparison sites that only feature highly financially-rated travel insurance companies. Luckily, there's Trip Cancel Guard. When Will Hawaiis Safe Travels Program End? What is Delta Air Lines elite status worth in 2023? In exchange for the annual fee, you'll unlock access to the Amex Membership Rewards program that let you access airline and hotel transfer partners, along with new lifestyle and travel credits. Like most travel insurance companies, American Express Travel Insurance prices its products within age brackets. Families: I'm not saying families should flat-out reject American Express Travel Insurance. 2x on Uber business rides; 1x on all other purchases, 4x at restaurants and at U.S. supermarkets (up to $25,000 per calendar year; then 1x), 3x on flights booked directly or with. and decline the rental company's collision damage waiver product. Lets take a closer look at each of these elements. There are some things you just can't plan for. The credit card offers that appear on the website are from credit card companies from which ThePointsGuy.com receives compensation. If so, where might I find the details and how to price it? Here, we will take a look at how Amex Gold Travel Protector compares to other travel insurance policies. 2023 Upgraded Points, LLC. Find the right card for you. However, if you are only planning one trip, it may be more cost effective to purchase a separate travel insurance policy. The annual airline fee statement credit can be complicated to take advantage of compared to the broader travel credits offered by competing premium cards. 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. 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. While lounge access and travel credits are typically the highlights of these cards, some of the lesser-known benefits, such as trip delay reimbursement and trip cancellation and interruption insurance, are becoming hot topics as the coronavirus pandemic continues to impact the travel industry. And the maximum benefit for each of these is capped at a certain amount. Travel insurance policies can offer higher limit options. 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 FOR FLIGHTS BOOKED WITH AIRLINES Dave Herholz (CC BY-SA 2.0) via Flickr And you can fall back on AmEx Global Assist anytime you run into issues when planning your trip or if you have an emergency during the trip. Editorial Disclosure:The content featured on UpgradedPoints.com has not been influenced, provided, or reviewed by the credit card companies mentioned. 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. Earn 5X Membership Rewards Points on prepaid hotels booked with American Express Travel. 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. 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. 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. Our opinions are our own. When evaluating offers, please review the financial institutions Terms and Conditions. It clocks in at $695 per year (see rates & fees ), and that's not waived for the first year either. See our Advertiser Disclosurefor more details. Amex currently offers 17 rewards cards, and 11 of them have an annual fee attached. that covers lost, damaged or stolen baggage. Cancel for Any Reason Insurance must be purchased to cover these voluntary cancellations. Your rental car, as well as taxis and ride-share services such as Uber and Lyft, would be excluded from this protection. Unlock new opportunities and expand your reach by joining our authors team. All of these benefits can help make your trip smoother and more enjoyable. If youre booking a trip that has a complicated itinerary, involves several travel providers, or is more than a week in length, you might consider a comprehensive travel insurance policy. is best known for its dining, grocery and rideshare perks. You might look to a company specializing in insuring these activities such as World Nomads. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). Bouvet Island, located in the Subantarctic, is a dependency of Norway; it also lays claims to the Antarctic . Related: The best credit cards with travel insurance. The coverage for pre-existing conditions stops at $30,000. AmEx even covers the loss or damage of bags on the way to or from the "common carrier terminal" (e.g., the airport). How to get rental car insurance through the. Terms apply. 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. I have purchased annual plans via Allianz and Travel Guard. Each U.S. major airline also has a process for requesting this information after the fact. We used policy comparison websites and found similar but not identical policies. Finally, credit cards do not come with medical insurance coverage. The average initial bonus is 31,338 points/miles or $230 cash back. 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. How to book better and avoid flight delays. Lets take a look at the package policy offerings and pricing. The Gold Plan selected offers up to $100,000 in emergency medical, up to $750 in emergency dental, and up to $100,000 in emergency evacuation/repatriation. Before you start filing a claim, make sure you have the documents listed above. In conclusion, Amex Gold Travel Protector can be a great way to protect yourself and your finances during your travels. The Amex Gold comes. Terms apply. This trip delay insurance is effective as long as you start from your home and pay for your entire trip with the American Express Gold Card including all round-trip and one-way travel along the way. Amex Platinum has more travel perks, like lounge access, Global Entry fee credit, elite hotel status, and luxury travel discounts. Image Credit: Upgraded Points This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). 4x on two categories where your business spends the most (up to $150,000 per calendar year; then 1x), 1x on all other purchases. This site does not include all credit card companies or all available credit card offers that are on the market. To activate this coverage, all you need to do is pay for the entire cost of the flight, train, bus or cruise with your, travel insurance protection covers cardmembers when they rent a car. Fortunately, travel insurance is widely available, reasonably affordable, and simple to secure. The card details on this page have not been reviewed or provided by the card issuer. However, it can still be an excellent resource when you need help before or during your travels. Nearly all of Amex's premium rewards cards offer baggage insurance. Your email address will not be published. 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. 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. Trips booked with miles from other sources even the cobranded Delta SkyMiles cards from Amex are excluded. There are two situations in which travel insurance can be worthwhile: to protect your trip and to protect your health. And Conditions without warranty these benefits can help make your trip smoother and more enjoyable or your..., like lounge access, Global Entry fee credit, elite hotel status, and simple secure... Grocery and rideshare perks more travel perks, like lounge access, Global Entry fee credit, hotel... Rental car, as well as taxis and ride-share services such as Uber and Lyft, be... Excellent resource when you need help before or during your travels to other travel insurance prices products... 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