Full List of Travel Insurance Benefits for the Amex Platinum Card [2026]

Frequent travelers who are interested in premium travel benefits and solid reward-earning opportunities gravitate toward the Platinum Card^® from American Express and The Business Platinum Card^® from American Express. Both cards are popular for meeting travelers’ needs for earning, redemption, and benefits.

One of the key benefits of these premium cards is the travel insurance coverage.

In this article, we’ll cover the top travel insurance benefits on the Amex Platinum card, which has the same coverage as the Amex Business Platinum card. We’ll provide information on when travel insurance coverage applies and the coverage limits you can expect.

Quick Overview: Amex Platinum Card Travel Insurance

The travel insurance coverage on the Amex Platinum card requires you to use your card to purchase your trip. One exception to this is the Premium Global Assist Hotline.

Key travel insurance coverages include car rental loss and damage with a limit of $75,000 for the standard coverage and a paid upgrade option with a limit of $100,000. Coverage limits apply to vehicle damage, theft, and loss of use.

Trip cancellation and interruption insurance reimburses eligible prepaid and nonrefundable expenses. Limits for each coverage are $10,000 per covered trip for up to $20,000 per eligible card per consecutive 12 months.

Trip delay coverage reimburses covered associated costs for up to $500 per trip for delays of over 6 hours.

Baggage insurance provides coverage for up to $3,000 in combined limits for carry-on and checked luggage.

The Premium Global Assist Hotline offers travel assistance services and referrals. Its most important benefit is emergency evacuation and transport (medical coverage is not included).

Here are additional important card details, including the current welcome offer and annual fee.

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Platinum Card^® from American Express

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The Amex Platinum card reigns supreme for luxury travel, offering the best airport lounge access plus generous statement credits, and elite status.

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Platinum Card^® from American Express

The Amex Platinum card reigns supreme for luxury travel, offering the best airport lounge access plus generous statement credits, and elite status.

Welcome Offer

You may be eligible for as high as 175,000 Membership Rewards^® points after you spend $12,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary, and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount — all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.

As High as 175,000 Points. Find Out Your Offer.

UP's Offer Valuation*:

Up to $3,850

Annual Fee

$895

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Why We Like This Card

When it comes to cards that offer top-notch benefits, the Platinum Card^® from American Express is a top choice.

The card offers premium perks like best-in-class airport lounge access, hotel elite status, and several annual card credits. The Amex Platinum card is easily worth the annual fee for frequent travelers who use the lounges and travel credits, and hard to justify for those who won’t.

Pros & Cons

Pros

• The best airport lounge access out of any card (by far): Get access to over 1,550 worldwide lounges, including Amex Centurion Lounges, Priority Pass lounges (enrollment required), Plaza Premium Lounges, and many more!
• 5 points per $1 spent on flights purchased directly with the airline or with AmexTravel.com (up to $500,000 per year)
• 5 points per $1 spent on prepaid hotels booked with AmexTravel.com

Cons

• $895 annual fee (rates & fees)
• Airline credit does not cover airfare (only incidentals like checked bags).

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Card Highlights

• You may be eligible for as high as 175,000 Membership Rewards^® points after you spend $12,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
• Get more for your travels with 5X Membership Rewards^® points on all flights and prepaid hotel bookings through American Express Travel^®, including Fine Hotels + Resorts^® and The Hotel Collection bookings. You earn 5X points on flights purchased directly from airlines or through American Express Travel^® on up to $500,000 on these purchases per calendar year.
• With over 1,550 airport lounges - more than any other credit card company on the market* - enjoy the benefits of the Global Lounge Collection, over $850 of annual value, with access to Centurion Lounges, 10 Delta Sky Club visits (subject to visit limitations) when flying on an eligible Delta flight, Priority Pass™ membership (enrollment required), and other select partner lounges. *As of 01/2026
• $200 Uber Cash + $120 Uber One Credit: With the Platinum Card^® you can receive $15 in Uber Cash each month plus a bonus $20 in December when you add your Platinum Card^® to your Uber account to use on rides and orders in the U.S when you select an Amex Card for your transaction. Plus, when you use the Platinum Card^® to pay for an auto-renewing Uber One membership, you can get up to $120 in statement credits each calendar year. Terms apply.
• $300 Digital Entertainment Credit: Experience the latest shows, news and recipes. Get up to $25 in statement credits each month when you use your Platinum Card^® for eligible purchases on Disney+, a Disney+ bundle, ESPN streaming services, Hulu, The New York Times, Paramount+, Peacock, The Wall Street Journal, YouTube Premium, and YouTube TV when you purchase directly from one or more of the providers. Enrollment required.
• $600 Hotel Credit: Get up to $300 in statement credits semi-annually on prepaid Fine Hotels + Resorts^® or The Hotel Collection* bookings through American Express Travel^® using the Platinum Card^®. *The Hotel Collection requires a minimum two-night stay.
• $400 Resy Credit + Platinum Nights™ by Resy: Get up to $100 in statement credits each quarter when you use the Platinum Card^® to pay for eligible purchases with Resy, including dining purchases at over 10,000 qualifying U.S. Resy restaurants. Enrollment required. As a Platinum Card^® Member you have special access to reservations on select nights at participating sought after Resy restaurants in select cities through Platinum Nights™ by Resy. Simply add your Platinum Card^® to your Resy profile to book your reservation.
• $219 CLEAR+ Credit: CLEAR+ helps get you to your gate faster by using your face to verify you are you at 55+ airports nationwide. You can cover the cost of a CLEAR+ Membership* with up to $219 in statement credits per calendar year after you pay for CLEAR+ with your Platinum Card^®. *Excluding any applicable taxes and fees. Subject to auto-renewal.
• $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees, such as checked bags and in-flight refreshments, are charged by the airline to the Platinum Card^® Account. American Express relies on airlines to submit the correct information on airline transactions to identify incidental fee purchases. If you do not see a credit for a qualifying incidental purchase on your eligible Card after 8 weeks, simply call the number on the back of your Card. Qualifying airlines are subject to change. See terms & conditions for more details.
• Start your vacation sooner and keep it going longer. When you book Fine Hotels + Resorts^® through American Express Travel^®, enjoy noon check-in, when available, and guaranteed 4PM late check-out.
• $300 lululemon Credit: Enjoy up to $75 in statement credits each quarter when you use the Platinum Card^® for eligible purchases at U.S. lululemon retail stores (excluding outlets) and lululemon.com. That’s up to $300 in statement credits each calendar year. Enrollment required.
• $155 Walmart+ Credit: Get up to a $12.95* statement credit back each month after you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Platinum Card^®. *Up to $12.95 plus applicable taxes on one membership fee.
• Whenever you need us, we're here. Our Member Services team will ensure you are taken care of. From lost Card replacement to statement questions, we are available to help 24/7.
• $895 annual fee.
• Terms Apply.

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• Foreign Transaction Fees: None

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Hot Tip: Apply and find out if you’re eligible for a welcome bonus offer of as high as 175,000 points with the Amex Platinum. Welcome offers may vary, and you may not be eligible for an offer.

Amex Platinum Card Travel Insurance: Coverage at a Glance

Note that this table is a brief overview. Coverage descriptions are abbreviated, and not all terms and conditions are included (rates & fees).

What Amex Platinum Card Travel Insurance Does Not Cover

There are several specific events and situations that the card’s travel insurance does not cover. It’s not possible to include a complete list, but here are key notable exclusions by coverage.

• Under car rental loss and damage insurance, coverage is excluded in Australia, Ireland, Italy, Israel, Jamaica, and New Zealand.
• Trip cancellation coverage does not cover voluntary cancellations and only covers cancellations for the listed reasons.
• Preexisting conditions and known events are excluded from both trip cancellation and trip interruption insurance.
• Baggage insurance does not cover delayed baggage (only lost, damaged, or stolen luggage).
• While emergency evacuation and transport are covered under Premium Global Assist, any medical treatment costs are the cardholder’s responsibility.

Full terms and conditions, including exclusions, are listed in the card’s guide to benefits.

Car Rental Loss and Damage Insurance

The Amex Platinum card comes with standard car rental insurance that provides secondary coverage when you use your card to reserve and pay for your entire rental car contract. You also have the option to purchase premium primary car rental coverage.

For either coverage to be valid, you must also decline the rental car agency’s LDW (loss damage waiver) or CDW (collision damage waiver) coverage when renting the vehicle.

Here’s an overview of how both of these levels of coverage work:

Standard Car Rental Coverage

Secondary (standard) coverage is included with the card. Secondary coverage means that you must first file a claim with any other applicable insurance before the card coverage applies.

You can expect to receive excess secondary coverage for these losses:

• Damage to and theft of the vehicle, up to $75,000 (Source: American Express)
• Personal property up to $1,000 per person and $2,000 per accident
• Accidental injury up to $5,000 per claimant
• Accidental death or dismemberment up to $300,000

This is just a snapshot of the standard secondary car rental coverage. Several terms and conditions apply. Access the card’s benefits guide or call the number on the back of your card for specific information.

Premium Car Rental Protection

One key benefit of the Amex Platinum card is access to Premium Car Rental Protection. Coverage is available for a flat fee of just $12.25 to $24.95, depending on the level of coverage selected and the state of residence (Source: American Express). The fee covers the entire rental period, not a per-day charge like the rental agency charges. Enrollment is required.

When you select American Express Premium Car Rental Protection, primary coverage is provided and is valid for up to 42 days. Primary coverage means you do not need to file a claim with other applicable insurance before card coverage kicks in. Terms and conditions apply.

The maximum benefit is $100,000 for the vehicle, up to $15,000 for secondary medical coverage per person, and personal property coverage of $5,000 to $15,000, depending on the state of residence.

Cargo vans, custom vans, vehicles exceeding 10,000 points, off-road vehicles, and motorcycles are excluded. Coverage is excluded in Australia, Ireland, Italy, Israel, Jamaica, and New Zealand.

Bottom Line: The Amex Platinum card includes secondary car rental insurance. Optional Premium Car Rental Protection is available for a fee and provides primary protection, higher vehicle coverage limits, and a longer maximum rental period. 

Trip Cancellation and Trip Interruption

Trip cancellation and trip interruption insurance covers specific unexpected, unforeseen events that may cause you to cancel your trip or disrupt a trip you’ve already started.

To be eligible for coverage, purchase your entire round-trip, common-carrier ticket (or 2 one-way tickets to and from the same airport) with your Amex Platinum card.

American Express has a broad definition of who is covered under this benefit. Eligible travelers may include the cardholder, a traveling companion, a family member of the eligible traveler, or a family member of the traveling companion. (Source: American Express)

Examples of events that could be covered include the following:

• Bodily injury or illness: If an accidental injury or illness causes you to cancel your trip, you may have coverage.
• Bad weather: If extreme weather causes your trip to be canceled or disrupted, you may have coverage.
• Change in military orders: This applies to the cardmember and spouse (including a domestic partner).
• Terrorist action or hijacking
• Jury duty or other qualifying legal obligation
• Uninhabitable dwelling of either the cardmember or a traveling companion
• Quarantine imposed by a physician for health reasons

The coverage limit is up to $10,000 per trip and up to $20,000 per card per 12-month period.

Terms and conditions apply.

Bottom Line: While the trip cancellation and trip interruption benefit covers specifically stated reasons for trip cancellation or interruption, there is no coverage for voluntary cancellations, disruptions caused by known events, or preexisting conditions. Additional terms and conditions can be found in your guide to benefits, and you can call the benefits administrator before your trip.

Trip Delay Reimbursement

Trip delay coverage reimburses for additional expenses resulting from a covered trip delay. To qualify for trip delay coverage, the full amount of your common-carrier, round-trip transportation ticket (or 2 one-way tickets to and from the same airport) must be paid with your Amex Platinum card.

The delay must be more than 6 hours, and reimbursement covers necessary additional expenses resulting from the delay. Reimbursement covers incidentals, including meals and lodging.

Coverage limits are $500 per covered trip, with a maximum of 2 covered trips per consecutive 12-month period (Source: American Express). Coverage is secondary to other applicable coverage and does not include expenses that are reimbursed by the airline or other entities. Additional terms and conditions also apply.

Baggage Insurance

With new technology and tracking mechanisms, incidents of lost baggage have declined, but they still happen.

To activate the baggage insurance coverage, including coverage for damaged or stolen bags, pay your common-carrier fare with your card, Membership Rewards points, or a combination of both.

Here’s the coverage you can expect for lost, damaged, or stolen bags:

• Lost, damaged, or stolen bags: Checked bags are limited to $2,000 per covered person, per trip. There is a maximum of $3,000 for checked bags and a maximum of $3,000 for checked and carry-on bags combined ($2,000 per bag maximum, up to $10,000 combined for New York residents) (Source: American Express).
• Specialty high-value items: Up to $1,000 per person, per covered trip ($2,000 for New York residents, maximum $10,000 per trip)
• Combined Llmit: The limit for all baggage, including high-risk items, is $3,000 per covered person, per single trip.

Checked baggage is covered only while traveling on a common carrier. Carry-on baggage is additionally covered while traveling to and from the carrier terminal and while waiting at the carrier terminal.

Note that the coverage on the card is secondary to any other insurance or reimbursement you might receive from the airline. There is no coverage for delayed baggage, but several other credit cards do offer this coverage.

Premium Global Assist Hotline

The Amex Platinum card offers a premium version of a dedicated helpline that serves as a welcome resource should things go wrong during your travels.

Here are the types of assistance you can expect from the service:

Emergency Medical Transport and Evacuation: Included Coverage and Services

One of the premium services offered on the card is emergency medical transport or evacuation. If you or a covered family member becomes injured or ill during your travels, you could receive emergency medical transportation or evacuation, if necessary.

You can expect to receive the following services without charge when arranged via the hotline:

• Emergency transport or evacuation: Be transported to the nearest medical facility or transport from an inadequate medical facility. There is no stated limit for these services, and the trip does not have to be paid for using your card. (Source: American Express)
• Transport of family member: Transport may be covered for an adult member to be by the bedside of the cardmember or for the cardmember’s minor child (who had been traveling with the cardmember) to be transported back to the U.S.
• Transport of remains: Return of remains to the U.S. can be covered.
• Assistance after an evacuation: If you’re evacuated and your return ticket back to the U.S. has become invalid, transportation back to the U.S. can be covered.

Additional hotline services include passport and visa assistance, medical, legal, and translation referrals, lost-item assistance, trip planning, help arranging cash wire transfers, prescription replacement assistance, lost-card assistance, and more.

The Premium Global Assist Hotline does not cover any services arranged outside of the hotline. Also, there is no charge for referral assistance, but cardmembers are responsible for actual services received from the provider.

Bottom Line: The Amex Platinum card comes with emergency transportation and evacuation services with no stated limit, as well as additional referrals and assistance for medical, legal, and travel services. 

Filing a Claim

As with any insurance claim, you need to report any event as soon as possible, provide supporting documentation, and follow up after the claim has been filed.

You could be expected to submit any or all of the following:

• Copies of your common carrier ticket
• Copies of your card statement showing the expenses
• Proof of the loss (i.e., a copy of the physician’s quarantine order, military orders, etc.)
• Copy of the travel supplier’s cancellation policy
• Any other supporting documentation requested by the claims administrator

Claims for trip cancellation, trip interruption, and trip delay coverages must be reported within 60 days of the event. Baggage insurance and car rental insurance claims must be reported within 30 days. Deadlines for submitting subsequent supporting documents vary by coverage. Once you report the claim, you’ll receive full instructions for completing the next steps in the process.

The fastest way to submit a claim is via the online claim center.

Hot Tip: Be sure to take photos and videos, keep receipts, and secure any applicable police report, keeping in mind that supporting information can be easier to secure during the event than after the fact.

Final Thoughts

While the insurance that comes with the Amex Platinum card is not designed to replace a comprehensive travel insurance policy, you’ll find value in several of the benefits.

The card offers strong car rental protection and trip cancellation, interruption, and delay coverage that could save you money if your trip is disrupted. The hotline with emergency evacuation, transport, and assistance services (though no medical treatment coverage is provided) can provide peace of mind during your travels.

If you’re looking for additional travel rewards cards with coverage, see our article on the best credit cards for travel insurance.

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. For more information, see our Medical & Legal Disclaimers.