Travel doesn’t always go as expected. For example, if your airline loses your checked luggage, you have to go to the hospital during travel, or a close family member becomes unexpectedly ill, these situations can be costly to deal with. This is where travel insurance can help.
You probably already know that some travel rewards card It has built-in travel insurance benefits when you use your card for purchases. We will not discuss that type of travel insurance in this article; Instead, we’ll discuss a specific type of travel insurance that you can purchase on a trip-by-trip basis.
American Express® Travel Insurance Offers the ability to select preset packages and coverage options you want. You don’t need to use one amex card Or also become an American Express Card Member to purchase American Express Travel Insurance.
What is American Express Travel Insurance?
American Express Travel Insurance Can help provide coverage for the unexpected.
You can select a pre-determined package, which will come with set benefits and coverage amount – these options allow you to get the package without having to consider all the details yourself.
You also have the ability to purchase exactly what you want for your trip. For example, if you only want to purchase Global Medical Protection, you can do so. This ability to purchase only the coverage you want is relatively unique among the different types travel insurance I have done the research.
You can purchase American Express travel insurance with any debit or credit card, including cards not issued by American Express. You do not need to be an American Express card member to purchase American Express travel insurance as you can use any debit or credit card for the purchase.
Unlike other travel insurance policies, which may not cover all your traveling companions, American Express travel insurance allows you to nominate up to 10 people (including yourself), and you are allowed to cover traveling companions outside your family. Also gives capacity.
Because of the ability to choose just the protection you want or a preset package at a price point that suits your needs, American Express travel insurance offers especially good options for travelers who are budget-conscious or who need to customize coverage. Requires capacity.
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In the next sections, we’ll discuss the types of preset packages and a la carte coverage you can purchase with American Express Travel Insurance. Then, we will discuss how to buy this insurance.
Connected: Should you get travel insurance if you have credit card protection?
What types of American Express travel insurance are available?
American Express Travel Insurance Offers preset packages, but you can also create your own coverage and choose only the protection you want. The best way to look at the options for a specific trip is to click on the link in the previous sentence and enter a few details about your trip, but here’s a look at both types of products.
Create your own coverage
Being able to select only the protection you want is relatively unique, so here’s a look at the types of coverage offered by American Express Travel Insurance that I could choose from as a Florida resident for a sample trip:
- Trip Cancellation and Disruption: This type of coverage can provide reimbursement for non-refundable expenses or additional costs if you need to cancel before your trip begins. This coverage may also provide reimbursement for additional costs if your travel is interrupted. However, this coverage is not available for the portion of your travel purchased with travel rewards credits, points or miles.
- Global Medical Security: This type of coverage can cover emergency medical and dental expenses on travel that begins at the covered person’s permanent residence, outside a 150-mile radius of the covered person’s permanent residence, and ends at the end of the trip. The first occurs within 60 consecutive days. This coverage also includes an emergency evacuation benefit which will arrange and pay for evacuation to the nearest adequate medical facility if you suffer from any illness or suffer an accidental injury and require treatment during the covered journey. You can choose from three coverage limits when purchasing this coverage, although the dental coverage maximum with all three options is $750.
- Travel Accident Protection: This type of coverage is payable when accidental death or dismemberment occurs while boarding, traveling on or alighting a scheduled airline or common carrier vehicle of a covered person. When purchasing this coverage, you can choose from two coverage limits.
- Global Baggage Security: This type of coverage can reimburse you for lost, damaged or stolen baggage, whether it’s checked or carried on board your flight or at your hotel or cruise property. This coverage may also provide reimbursement for necessary replacement items if your luggage is delayed. When purchasing this coverage, you can choose from four coverage limits.
- Global Travel Delay: This type of coverage can reimburse you for accommodations and other necessary expenses if the covered person’s travel is delayed, including if your flight is overbooked and you are inadvertently denied boarding. Missed flight connections, and if your flight departure is delayed or cancelled. When purchasing this coverage, you can choose from three coverage limits.
These à la carte coverage options include access to a 24-hour travel assistance hotline that can provide travel assistance at any time before and during your trip.
Connected: What is included in Credit Card Travel Accident and Emergency Evacuation Insurance?
preset packages
American Express Travel Insurance It also offers four preset packages, each of which includes different types of coverage. These packages provide an easy way to purchase coverage for an upcoming trip without making many decisions.
The Basic package includes Trip Cancellation and Interruption, Global Medical Protection and Global Baggage Protection, but does not include Travel Accident Protection or Global Trip Delay.
The Silver, Gold, and Platinum packages all include the same types of coverage you can purchase but at different levels. The Silver package offers the lowest coverage level, while the Platinum package offers the highest level.
Connected: What’s included in your credit card’s travel protection – and what’s not
How to buy American Express travel insurance
with American Express Travel InsuranceYou can see your coverage options within seconds. Click on the link given in the previous sentence and enter your travel details. For example, if I want to purchase American Express travel insurance for a winter ski trip, I’ll start by entering my state of residence and the dates of my trip.
Then, I need to enter the number of passengers and the travel cost and age of each passenger.
Next, I can choose the Build Your Own Coverage option or the option that lets you compare preset packages. However, this option is not that important, as you can toggle between the options on the next page. For now, let’s assume I chose to create my own coverage.
For this trip, take a look at your own coverage options and pricing here:
- Global Travel Delay: No coverage, $14 for coverage up to $150 per day ($500 max per trip), $15 for coverage up to $200 per day ($750 max per trip) or $20 for coverage up to $300 per day ($1,000 max per trip)
- Global Baggage Security: No coverage, $20 for coverage up to $500 (coverage up to $300 for delays of six hours or more), $35 for coverage up to $1,000 (coverage up to $500 for delays of six hours or more), $40 for coverage up to $1,500 ($500 for coverage for delays of six hours or more) or $50 for coverage up to $2500 (Up to $500 coverage for delays of three hours or more)
- Trip Cancellation and Disruption: No coverage up to 100% of trip cost or $80
- Global Medical Security: No coverage, $25 for coverage up to $25,000 (dental coverage up to $750), $30 for coverage up to $50,000 (dental coverage up to $750) or $32 for coverage up to $100,000 (dental coverage up to $750).
- Travel Accident Protection: No coverage, $11 for coverage up to $250,000, $19 for coverage up to $500,000, $27 for coverage up to $1,000,000 or $35 for coverage up to $1,500,000
Alternatively, I can select one of four preset packages. For my sample trip, the Basic package would cost $59, the Silver package would cost $99, the Gold package would cost $122, and the Platinum package would cost $170.
Whether I choose to create my own coverage or purchase a preset package, I have to enter my full name, date of birth, destination country, and date of first trip payment before I reach the payment screen, where I’ll need it. Enter my name, billing address, phone number, email, and credit card information.
Prices and coverage options may vary for your trip. Be sure to check the Certificate of Insurance after purchasing coverage to fully understand your policy. After purchasing the policy you usually have 14 days to check the certificate of insurance and cancel it if necessary.
ground level
American Express Travel Insurance Offers build-your-own-coverage options and preset packages. If you value the ability to purchase only the coverage you want at a relatively low price, the build-your-own coverage options are particularly attractive, especially if you only need one or two types of coverage for an upcoming trip. Is.
Travel with more confidence and purchase American Express Travel Insurance for your next trip.
For complete details and full terms and conditions, please visit the American Express Travel Insurance website Here,
American Express Travel Insurance (Policy AX0126, or Policy AETI-IND) is underwritten by AMEX Assurance Company, Administrative Office, Phoenix AZ. Coverage is determined by the terms, conditions and exclusions of the relevant policies (see above) and is subject to change with notice. This document does not supplement or replace the Policy.
American Express Travel Insurance is offered through American Express Travel Related Services Company, Inc., California license number 0649234.
