American Express Cards: Travel Insurance Benefits Guide [In-Depth]

Amex Travel Insurance

Whenever you book a segment of a trip, you’ll often see an option to purchase travel insurance to protect your adventure. That can often be a good idea, especially if you’re planning a bigger or more expensive trip (though you may be better off getting insurance from a third party instead of the travel provider).

But did you know that a lot of different credit cards come with their own travel insurance benefits? This is a great feature that’s included in the cost of your annual fee, but it’s one many people don’t realize they have or know how to use.

In this article, we’ll look specifically at the Amex travel insurance benefits included with several of their cards, including what’s covered, what isn’t covered, and when you should consider purchasing additional insurance.

Definitions

A lot of the policies described in this guide reference a “common carrier.” A common carrier is simply a method of air, land, or water public transportation (like an airplane, train, bus, or cruise ship).

The Platinum Card® from American Express

Benefits

CREDIT CARDCARD BENEFITS
The Platinum Card® from American Express
  • Earn 5x points on flights booked directly with the airline, and flights and hotels booked through American Express Travel
  • $200 annual airline free credit
  • $200 annual Uber credit
  • Access to a variety of airport lounges, including Delta SkyClubs (when flying Delta same-day), Centurion Lounges and Priority Pass lounges.
  • Hilton Honors Gold and Starwood Preferred Guest Gold elite status
  • No foreign transaction fees
  • $550 annual fee
  • Terms Apply.

Hot Tip: For more information, read about the 18 benefits of The Platinum Card® from American Express

The perks of this card are fairly well-known, but it also comes with some less-discussed travel insurance benefits. These features may be less flashy, but they can go a long way to saving you money or protecting you and your family if something goes wrong on a trip.

It also means that you can forgo purchasing certain extra insurance on trips, like a rental car’s collision damage waiver. Some of the insurance options included with The Platinum Card® from American Express include:

  • Car rental insurance
  • Baggage insurance
  • Travel accident insurance
  • The Premier Global Assist Hotline
  • Roadside assistance

Note that most of these benefits are contingent on you having paid for the entire fare with the card.

Car Rental Insurance

The car rental insurance included with the Platinum Card from American Express® is relatively extensive, although it’s considered “secondary” coverage. That means that it covers expenses after your personal auto insurance has covered its maximum amount. The included Amex insurance will also cover the deductible on your primary policy.

Coverage is global, but it excludes Australia, Italy, New Zealand, and any countries on the sanctions list maintained by the U.S. Office of Foreign Assets Control. The car rental insurance covers damage or theft of a rental car up to $75,000.

Beyond that, the premium coverage with this card includes some personal injury protection: up to $5,000 for medical care for the cardholder and each passenger, and up to $200,000 accidental death or dismemberment insurance.

Personal property left in the car is also covered in the event of damage or loss due to an accident or theft. Coverage is for up to $1,000 for each person, with a maximum total of $2,000.

Note that liability coverage isn’t included, so you may want to purchase that from the rental agency if given the option.

To activate the card’s car rental coverage, you need to make sure to pay for the entire rental with your card (or use a Membership Rewards redemption certificate) and be listed as the authorized driver on the rental agreement. Then, simply decline the collision damage waiver offered by the rental company (or elect to purchase a partial waiver).

Hot Tip: To activate the rental car insurance benefit, make sure to decline the collision damage waiver offered by the rental company.

Make sure to read through the terms carefully, as there are a number of exclusions and conditions. For starters, coverage won’t apply if you’re doing anything against the rental terms, like driving outside of the predetermined rental zone, driving recklessly, or doing anything illegal like driving while intoxicated.

Additionally, the following are some examples of things that are excluded:

  • Larger vehicles like cargo vans or box trucks
  • Rentals used for commercial purposes
  • Motorcycles or mopeds
  • Vehicles driven off-road

Hot Tip: It’s important to call the claims unit as soon as you can after the incident. Of course, take care of anything timely first, like filing a police report or seeking medical care.

Filing a claim is easy and begins with calling the Amex claims unit. If you’re in the U.S., call 1-800-338-1670. If you’re abroad, you can call collect at 1-216-617-2500. You’ll speak with an agent and describe what happened, and the agent will send you a detailed claim form and walk you through next steps.

Remember that documentation will be required, so hang on to anything you can, such as:

  • The rental slip or receipt
  • A police report (if applicable)
  • A copy of the rental agreement

It’s possible to enhance your coverage, including switching coverage from secondary to primary, by registering for Premium Car Rental Protection from American Express. However, most of the benefits you would get from this are already included with this card.

Bottom Line: The car rental insurance included with the Platinum Card® from American Express covers a lot as secondary insurance to your main policy. You can opt to pay a small premium for more extensive primary coverage, but the included plan should be sufficient in almost every case.

Travel Accident Insurance

This may be a morbid benefit to discuss, and the Upgraded Points team certainly hopes that none of our readers will ever have to use it. However, it’s always good to be prepared for the worst — especially when traveling.

Travel accident insurance provided by the Platinum Card® from American Express is a benefit that pays you (or your beneficiary) a sum in the event of a loss of life or dismemberment during a trip.

Told you…this is a really grim one.

The benefit provides up to $500,000 to the cardholder (or beneficiary), depending on the nature and extent of the situation. Of that total, American Express uses the following “table of losses” to specify coverage amount:

Table of Losses Coverage
Loss of life100%
Dismemberment
Loss of both hands or both feet100%
Loss of 1 hand and 1 foot100%
Loss of entire sight of both eyes100%
Loss of entire sight of 1 eye and 1 hand or 1 foot100%
Loss of 1 hand or 1 foot50%
Loss of the entire sight of 1 eye50%

To activate the coverage, you’ll need to pay the entire fare with your Platinum Card® from American Express.

Like many travel insurance policies, certain occurrences are excluded — in particular, things that aren’t accidents like suicide, or injuries sustained as the result of “acts of war” or a riot you were participating in.

Notably, it also excludes injuries received while driving or riding in a rental or personal car, as well as sickness, illness, or medical emergencies such as a stroke or heart attack.

Hot Tip: To designate a beneficiary in writing, send a letter to: AMEX Assurance Company, PO Box 981553, El Paso, TX 79998-9920.

To file a claim, you (or your beneficiary) must call American Express within 30 days of the incident. The domestic number is 1-800-437-9209, and the international collect number is 1-303-273-6498.

You’ll need to provide documentation, which can include copies of medical records or a death certificate.

Bottom Line: Hopefully, this is a benefit you never have to use. However, it’s good to know that should the unthinkable happen, you and your family have some protection.

Baggage Insurance

The Platinum Card® from American Express includes baggage insurance designed to cover lost, stolen, or damaged luggage and its contents. This can be an extremely useful, depending on the situation.

Coverage is up to $2,000 for checked luggage, with a combined maximum of $3,000 for checked and carry-on baggage per covered person. Note that there’s a total maximum limit of $10,000 for everyone on the trip combined.

As is often the case with credit card-provided insurance, you’ll need to use your Platinum Card® from American Express to pay for the entire fare for this coverage to take effect.

A handy benefit feature of this baggage insurance is that the primary cardholder, his or her spouse or domestic partner, and any dependent children (under 23) are all included. That means that if you’re on a family trip and something happens to everyone’s luggage, you’ll all be covered.

Hot Tip: Keep in mind that coverage applies to baggage during a trip on a “common carrier,” such as a plane, train, bus, ship, or other public modes of transportation. If something happens to your bags during a vacation (but not during your flights), then it won’t be covered.

Something to keep in mind is that the policy considers certain items to be “high-risk,” and caps coverage of these items at $1,000 per person. High-risk items include:

  • Jewelry
  • Sporting equipment
  • Cameras or photography gear
  • Computers and electronics
  • Precious metals
  • Fur clothing

The insurance policy also excludes items like cash, travel documents, and certain medical items like eyeglasses, contact lenses, or prosthetic limbs. Just about everything else, though, should be covered.

The first step to file a claim is to reach out to the Amex claims processing department. Your best option is to call and have a customer service agent walk you through the process. The number is 1-800-645-9700 or collect from overseas at 1-303-273-6498.

Note that Amex baggage insurance coverage (like the car rental insurance) is secondary — in this case, to the common carrier’s coverage. That means that the policy will only pay after the carrier pays, so you’ll have to file a claim with the carrier first.

If that claim is denied, or if it doesn’t cover the full cost of your luggage and contents, then the Amex plan is applicable.

Bottom Line: The baggage insurance included with your Platinum Card® from American Express can help cover the cost of lost or ruined clothing, personal items, and more. Remember that in order to make a claim, you’ll need to use the card to pay for your full fare.

The Premium Global Assist Hotline

The Premium Global Assist Hotline is a great feature that comes with several Amex cards, although the Platinum Card® from American Express has the most extensive service.

Basically, you can call the Premium Global Assist Hotline any time you’re 100 miles or more away from home and need logistical help…big or small. This differs from the card’s concierge service, which is useful for things like shopping help, booking tickets, or getting restaurant recommendations and reservations. It’s more for things like:

  • Help replacing a lost passport
  • Canceling lost credit cards
  • Emergency translation/interpretation services
  • Help finding a lost item
  • Help dealing with lost luggage, including staying on top of the airline until it’s found
  • Emergency legal or medical referrals
  • Emergency medical evacuation/transportation
  • Urgent message relay in the event you can’t get in touch with family or friends during an emergency

Hot Tip: You can reach the Premium Global Assist Hotline at 1-800-345-AMEX (2639), or collect (when calling from abroad) at 1-715-343-7979.

The hotline can also help with certain aspects of planning your trip (again, think “logistics,” not “entertainment”) such as:

  • Customs and passport information, including figuring out what visas you’ll need and how to apply, or what you can and can’t bring into the country
  • Cultural information, like questions about currency, tourist office locations, or even tipping procedures
  • Foreign exchange rates
  • Recommendations for inoculations before traveling to certain regions
  • Weather trends and forecasts

The medical assistance is particularly valuable, should there ever be a situation requiring it. I know this is something I’ve personally thought about — I’ve gotten sick before while in foreign countries where I didn’t speak the local language. Fortunately I got better and didn’t need treatment, but had things gone differently, having access to a benefit like the Global Assist Hotline could have been a huge relief.

If you’re traveling and fall ill or become injured, and you’re somewhere where you can’t get adequate treatment, the Global Assist Hotline’s medical team can arrange and cover expenses for transportation to definitive care closer to home.

Hot Tip: Medical transportation costs arranged by the Global Assist Hotline are covered, but any costs you incur that were not arranged through the hotline won’t be reimbursed. Make sure to call ASAP before making any arrangements on your own.

This benefit applies to the cardholder, spouse/domestic partner and dependents up to 23 years old (or 26 if a full-time student)…although any beneficiaries have to be traveling on the same itinerary as the cardholder. Preexisting conditions are excluded.

The Global Assist Hotline can help with a few other, less-extreme medical needs as well, including prescription medication replacement, if you lose or forget medication, and physician or dentist referral.

If your wallet is lost or stolen, the hotline will provide certain financial assistance, including wiring you emergency cash (which will be charged to your card account), or helping you check into or out of a hotel while you don’t have your card present.

In terms of legal support, the hotline can provide a referral to a local English-speaking lawyer, help connect you to bail bond agencies that accept American Express, and connect you with the nearest consulate or embassy.

Bottom Line: The Premium Global Assistance Hotline can be a real help whether you’re trying to figure out visa requirements or need to find a local doctor while traveling. If you need emergency medical transportation to a facility back home, the hotline can arrange it and cover all expenses. As always, be sure to read the terms.

Roadside Assistance

Another useful feature that comes with the Platinum Card® from American Express is a Premium Roadside Assistance benefit. Coverage applies whenever you’re in the car and within the U.S., regardless of distance from home.

A few different services are covered at no additional cost up to 4 times a year, including:

  • Towing up to 10 miles
  • Winching
  • Jump starts
  • Changing flat tires
  • Lockout service
  • Delivery of several gallons of fuel to help you get to the closest gas station.

Rental cars are specifically excluded from coverage, although that’s because roadside assistance can usually be arranged through the rental company. Trucks larger than 10,000 pounds are also excluded.

To use the service, simply call the number on the back of your card, or call 855-431-1156.

Bottom Line: The roadside assistance included with this card is fairly comprehensive and can be a real help. You can also opt to use additional services, although these may have fees.

Card Summary

This card comes with a number of useful premium travel insurance and coverage benefits. While you should always read the terms to make sure any specific situations you’re worried about are included, it’s helpful to know that this coverage is in place.

The Premier Rewards Gold Card from American Express

Benefits

The Premier Rewards Gold Card from American Express comes with some great benefits, such as:

  • 3x points on flights booked directly with the airline, plus 2x points at U.S. gas stations, grocery stores, and restaurants
  • $100 annual airline credit
  • No foreign transaction fees
  • Access to The Hotel Collection from American Express Travel
  • $195 annual fee, waived the first year

Like the Platinum Card® from American Express, this card comes with certain travel protections and benefits, although they’re not quite as comprehensive or generous as what’s included with the more premium card.

Car Rental Insurance

The Premier Rewards Gold Card from American Express also comes with secondary car rental insurance for primary and additional cardholders — again, this means that it kicks in after your primary or personal auto insurance.

This insurance provides coverage up to $50,000 in the event of damage due to an accident or theft.

To activate coverage, just use your card to pay for the entire rental and decline the full collision damage waiver offered by the rental company. The coverage is valid for up to 30 consecutive days.

There are a few exclusions, including vans, trucks, and off-road vehicles. Damage caused by personal liability or illegal activity are also specifically excluded.

Submitting a claim is easy. After filing a police report, notify American Express by calling 1-800-338-1670 (or 1-216-617-2500 if abroad). A customer service agent will walk you through the rest of the claims process from there.

Hot Tip: Remember to make sure that you (the cardholder) are listed as the primary driver on the rental agreement.

Documentation will likely be required, so make sure to keep all available paperwork, such as:

  • The rental slip or receipt
  • A police report (if applicable)
  • A copy of the rental agreement

One thing to keep in mind: unlike the insurance provided with The Platinum Card® from American Express, there is no car rental coverage for property loss, death, dismemberment, or medical care. You may want to supplement the insurance by registering for Premium Car Rental Protection from American Express.

Bottom Line: The Premier Rewards Gold Card from American Express comes with useful car rental insurance, although it only covers damage and theft — not liability, property loss, or injury. Depending on your personal car insurance plan, you may want to consider adding the Premium Car Rental Protection offered by American Express.

Travel Accident Insurance

Like The Platinum Card® from American Express, the Premier Rewards Gold Card from American Express includes travel accident insurance — which pays you (or your beneficiary) a sum in the event of a loss of life or dismemberment during a trip.

Coverage applies to the primary cardholder, authorized users, or spouses/domestic partners and dependent children of anyone traveling with those cardholders. For coverage to apply, you’ll need to use your card to pay for the trip’s entire fare.

The benefit provides up to $250,000 to each covered person who is involved in the accident (compared to $500,000 with the more premium card), with the specific amount determined by the same chart:

Table of Losses Coverage
Loss of life100%
Dismemberment
Loss of both hands or both feet100%
Loss of 1 hand and 1 foot100%
Loss of entire sight of both eyes100%
Loss of entire sight of 1 eye and 1 hand or 1 foot100%
Loss of 1 hand or 1 foot50%
Loss of the entire sight of 1 eye50%

Certain scenarios are excluded — if the accident happens because you’re doing something illegal or during an act of war, for example.

To file a claim, start by calling 1-800-437-9209 (U.S.) or 1-303-273- 6498 (overseas collect).

You can assign a beneficiary beforehand; if you don’t and there is a claim, American Express will assign your next of kin.

Bottom Line: As long as you use your Premier Rewards Gold Card from American Express to pay for your fare, you’ll be covered should the worst happen.

Baggage Insurance

It’s one of the worst ways to start a trip: landing, waiting at baggage claim, and finding out that the airline has no idea where your luggage is.

If that happens to you, though, you’re in luck — as long as you used your Premier Rewards Gold Card from American Express to pay for the flight.

This card includes baggage insurance, which covers any loss, damage or theft while traveling on a common carrier. Carry-on luggage is covered up to $1,250, and checked bags are covered for up to $500. That should be enough to help you replace clothes, bags, and personal items to get you back on track for the trip.

Remember that certain “high-risk” items are limited to $250 in coverage. Those items include:

  • Jewelry
  • Sporting equipment
  • Cameras or photography gear
  • Computers and electronics
  • Precious metals
  • Fur clothing

For those items, you may be able to add them to your renter’s or homeowner’s insurance for minimal additional cost.

The cardholder’s spouse/domestic partner and children are covered as well.

This insurance is secondary, meaning it will pay for anything that isn’t covered by the common carrier’s claims process. The easiest way to make a claim is by calling 1-800-645-9700 (U.S.) or 1-303-273- 6498 (overseas collect).

Bottom Line: Between coverage provided by the airline or other common carrier and the baggage insurance provided by the Premier Rewards Gold Card from American Express, you can feel confident if anything happens to your luggage during transit.

The Global Assist Hotline

As with the more premium Amex cards, cardholders with the Premier Rewards Gold Card from American Express can use the Global Assist Hotline while planning travel or if an emergency happens during a trip.

The difference between the Platinum Card® from American Express and other cards is that with the premium card, many of the costs for services accessed through the hotline are covered. With other cards, including the Premier Rewards Gold Card from American Express, fewer benefits are covered, meaning that you may be responsible for the fees of the services that the hotline coordinates for you.

Hot Tip: You can reach the Global Assist Hotline at 1-800-345-AMEX (2639), or call collect from abroad at 1-715-343-7979.

Planning services, such as recommended vaccinations and visa information, are generally complimentary. However, more involved services like emergency translation and emergency medical transportation will charge fees (potentially extensive depending on the situation).

Even though American Express doesn’t cover the same expenses for all cardholders, the logistical assistance can still be valuable during a true emergency.

Bottom Line: Having access to logistical assistance through the Global Assist Hotline can be extremely helpful in an emergency, even if you may have to pay for some services. You can always call and find out about fees before being charged for anything.

Roadside Assistance

The Premier Rewards Gold Card from American Express offers identical roadside assistance benefits to the Platinum Card® from American Express.

Coverage, which applies whenever you’re in the car within the U.S. regardless of distance from home, includes:

  • Towing up to 10 miles
  • Winching
  • Jump starts
  • Flat tire changing
  • Lockout service
  • Delivery of several gallons of fuel to help you get to the closest gas station.

Rental cars and large trucks are excluded.

To use this service, simply call the number on the back of your card or call 1-855-431- 1156.

Card Summary

While the travel insurance benefits included with this card are a bit limited in comparison to the Platinum Card from American Express, this card still offers a wide, multi-featured range of services and protection for when things go wrong on the road.

The Amex EveryDay® Credit Card from American Express & Blue Cash Everyday® Card from American Express

Benefits

These 2 cards are similar to each other with 1 major difference: the first earns Membership Rewards points, while the second earns cash-back. Both, however, come with travel insurance benefits.

The big difference between the Amex EveryDay® Credit Card from American Express, the Blue Cash Everyday® Card from American Express, and the premium cards mentioned above? These 2 cards have no annual fee.

That’s right…even without an annual fee, these cards still provide coverage for a range of travel mishaps.

While the benefits are less extensive than they are with a card that costs $550 annually, you might be surprised by how much is offered, including:

  • Car rental insurance
  • Travel accident insurance
  • The Premier Global Assist Hotline
  • Roadside assistance

While the 2 cards are separate products, the specifics of the travel insurance benefits, which you can find here, are identical between them.

Car Rental Insurance

Like the Premier Rewards Gold Card from American Express, these cards offer secondary damage and theft coverage for rental cars.

To activate coverage, simply use your card to pay for a rental car and make sure that you (the cardholder) are listed as the authorized driver on the rental agreement. Then, decline the collision damage waiver offered by the rental company (or pay for a partial collision damage waiver).

Coverage is up to $50,000 for damage caused by an accident or theft. Exclusions apply, including for larger vans and trucks or off-road vehicles. Just like with the other cards, damage caused by illegal actions is excluded.

To submit a claim, contact American Express as soon as you can, after filing a police report and dealing with any pressing matters like medical care or getting the car towed. Call 1-800-338-1670 (or 1-216-617-2500 if abroad), and a customer service agent will help you get the claim started.

As with the Premier Rewards Gold Card from American Express, note that there is no car rental coverage for property loss, death, dismemberment, or medical care. Depending on what your personal car insurance would cover, consider supplementing the insurance by registering for Premium Car Rental Protection from American Express.

Bottom Line: The rental car insurance provided by the Amex EveryDay® Credit Card from American Express and Blue Cash Everyday® Card from American Express is extensive, especially considering the lack of an annual fee. For anything that isn’t covered, you can consider registering for Premium Car Rental Protection from American Express.

Travel Accident Insurance

The travel accident insurance included with these cards is similar to the insurance that comes with the premium cards — it pays you (or your beneficiary) a sum in the event of a loss of life or dismemberment during a trip.

The big difference between the insurance that comes with the various cards is the amount of the coverage. For these 2 cards, the benefit provides up to $100,000 to each covered person who is involved in the accident, with the specific amount determined by the same “table of losses” chart:

Table of Losses
Loss of life100%
Dismemberment
Loss of both hands or both feet100%
Loss of 1 hand and 1 foot100%
Loss of entire sight of both eyes100%
Loss of entire sight of 1 eye and 1 hand or 1 foot100%
Loss of 1 hand or 1 foot50%
Loss of the entire sight of 1 eye50%

Certain scenarios are excluded — such as if the accident happens because you’re doing something illegal or during an act of war.

To file a claim, start by calling 1-800-437-9209 (U.S.) or 1-303-273- 6498 (overseas collect).

Bottom Line: While the coverage amount is lower than with the premium cards, $100,000 travel accident insurance benefit included with a no-fee card is huge. Just remember to use your card to pay for your fare in order to activate coverage.

The Global Assist Hotline

The Amex EveryDay® Credit Card from American Express and the Blue Cash Everyday® Card from American Express have identical access to the Global Assist Hotline as the Premier Rewards Gold Card from American Express. Fewer benefits are covered than if you were using the Platinum Card® from American Express, so you may be responsible for service fees.

However, the hotline is free to access, and the logistical assistance provided by the service associates can be extremely valuable as you plan a trip or try to manage a personal or family crisis.

Hot Tip: Call the Global Assist Hotline at 1-800-345-AMEX (2639), or collect (when calling from abroad) at 1-715-343-7979.

As with most cards, planning services, such as recommended vaccinations and visa information, are generally complimentary. More involved services like emergency translation, interpretation, and emergency medical transportation will charge fees.

Bottom Line: Even if you have to pay for some services, the logistical assistance provided through the Global Assist Hotline can be helpful during an emergency.

Roadside Assistance

The Amex EveryDay® Credit Card from American Express and the Blue Cash Everyday® Card from American Express come with access to the American Express roadside assistance hotline. However, unlike with more premium cards, cardholders are responsible for paying for any services provided.

The same services are available, including:

  • Towing up to 10 miles
  • Winching
  • Jump starts
  • Flat tire changing
  • Lockout service
  • Delivery of several gallons of fuel to help you get to the closest gas station

When you call the hotline, the phone agent can provide pricing information.

To use the service, simply call the number on the back of your card, or call 1-855-431- 1156.

Card Summary

Considering that they have no annual fee, the Amex EveryDay® Credit Card from American Express and the Blue Cash Everyday® Card from American Express come with extensive travel insurance benefits that can provide a measure of comfort for cardholders.

Hot Tip: Keep in mind that these 2 cards don’t come with a baggage insurance benefit, unlike the premium cards. You may want to purchase supplementary insurance if that’s a concern.

Final Thoughts

Many cards offered by American Express come with great travel insurance benefits. While the more premium (and expensive) cards offer more extensive benefits, even no-fee cards like the Amex EveryDay® Credit Card from American Express offer you valuable protection during your travels.

Note that American Express cards don’t include trip cancellation or delay coverage, nor baggage delay coverage — just loss and damage.

If you’re seeking additional coverage for your trip, like cancellation coverage or emergency medical insurance, American Express offers a stand-alone travel insurance product you can use to supplement what your card provides.

Additionally, plenty of third-party companies offer travel insurance. If you decide that what’s included with your card isn’t enough, you can always shop around for additional coverage. Having coverage with your card is a great benefit, though, since it means whatever policy you buy can be less extensive.

Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card

FAQ

What is American Express travel insurance?

American Express travel insurance can refer to 2 separate things: travel insurance features that come for free with various American Express credit and charge cards, or a standalone travel insurance product sold by American Express.

Which American Express cards come with travel insurance?

The short answer: virtually all of them.

The longer answer: each card comes with different features and perks. Some cards, such as the Platinum Card® from American Express, come with high-value travel accident and baggage insurance, as well as coverage for expensive rental cars with personal injury features and emergency medical transportation coverage.

Other cards with lower (or no) annual fees, like the Amex EveryDay® Credit Card from American Express, come with more limited travel insurance benefits. These usually include access to roadside assistance (that the cardholder will have to pay for), or lower-value rental car insurance.

It’s important to read guides such as this one and check your terms and conditions to see exactly what benefits your credit or charge card includes.

Do I have to pay for the trip with my American Express card to get the travel insurance benefits?

In most cases, yes; paying the entire fare with your American Express card is required in order to activate coverage. There may be exceptions to this, but if you plan to rely on any travel insurance features included with your card, it’s best to use your card to pay for the trip.

What kinds of things does my American Express credit card’s travel insurance cover?

Amex travel insurance features vary by card, but can include some or all of:

  • Rental car insurance
  • Baggage insurance
  • Global assistance
  • Emergency medical evacuation
  • Physician/dentist referral
  • Travel accident insurance
  • Roadside assistance

Does American Express travel insurance cover pre-existing conditions?

Most medical-related coverage offered by Amex travel insurance specifically excludes pre-existing conditions. If that’s something you’re worried about, you may wish to seek supplementary travel or medical coverage.

How does American Express travel insurance define a pre-existing condition?

According to Amex: “A pre-existing condition is any sickness, illness, or injury that has manifested itself, become acute, or was being treated in the 60-day period immediately prior to the start of a trip.”

Does American Express travel insurance cover issues related to pregnancy?

Yes, as long as you are not traveling against the advice of a physician. Be sure to check with your doctor before taking a trip.

Should I get separate travel insurance in addition to what my comes with my card?

You should look into the specific benefit terms of your card when deciding whether you need additional coverage or not.

American Express offers a standalone travel insurance product that can be used to supplement the insurance that comes with your card. This could be a good option if you decide you do need additional coverage.