What You Need to Know About The American Express® Gold Card Travel Insurance

Travel1 year ago
Picture of food and an Amex Gold card.

This post contains references to products from one or more of our advertisers. We may receive compensation when you click on links to those products. Terms apply to the offers listed on this page. Visit our Advertising Policy page for more details.

Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.


Are you an American Express® Gold Card holder and looking to maximize your travel? No matter where you step foot, having a quality travel insurance policy is essential.

Thankfully, American Express offers cardholders unbeatable perks and protection to help make your trips stress-free! In this article, we will explore what kinds of policies you can access by being a member - from medical coverage to flight delays or cancellations. Read on for everything you need to know about traveling with American Express® Gold Card Travel Insurance!

American Express® Gold Card

Editor's Choice

Intro offer

60,000 Points

Annual Fee


Recommended Credit


60,000 Points

AE Gold.png

Introducing American Express® Gold Card Travel Insurance

Traveling became much easier with American Express® Gold Card travel insurance. Covering all your trip essentials, this plan offers protection against covered trip cancellation and interruption, car rental loss and damage insurance, plus 24-hour emergency traveling assistance throughout the duration of covered trips.

Not to mention that you and your family are covered under this plan as long as you use an eligible American Express gold card to pay for the entire cost of your travel booking. So make sure to get covered for a safe and stress-free experience on all your travels!


Benefits of Travel Insurance with the American Express® Gold Card

The American Express® Gold Card has excellent benefits for travelers, including premium global assistance and a 24/7 travel hotline.

Travel insurance can provide vacationers security and peace of mind with the card's trip cancellation and interruption insurance. Eligible travelers can be refunded up to $3,000 per person per trip if a covered event causes them to end or interrupt their journey early.

Knowing they are guaranteed some protection makes it easier to go out and explore the world without any worry, thanks to the American Express Gold Card.


Rental Car Insurance

Sign up for coverage through your online card account, and when you make car rentals with your card, the protection will be applied automatically. Plus - there is no fee before renting a vehicle!

Get maximum coverage with zero deductible. This plan offers accidental death/dismemberment protection but does not include liability coverage, uninsured/under-insured motorist protection, or disability insurance.

Cardholders and listed drivers are covered with both regular and Premium Protection, which comprises rental car damage, theft coverage, and loss of use.

Unfortunately, the coverage is unavailable when renting a car in Australia, Ireland, Israel, Italy, Jamaica, and New Zealand.

Furthermore, please be aware that there are several other exclusions, such as theft of an unlocked vehicle, criminal activity, or the driver's intoxication.


Trip Delay Insurance

You qualify for trip delay insurance with an American Express® Gold Card, rewards points, or a combination thereof. Using discounts associated with your frequent flyer account alongside the card makes you eligible.

Whether it be family members, companions, or even a spouse and domestic partner — they all can benefit from this terrific opportunity!

When your trip is delayed for 12 hours or more, you can be reimbursed with Trip Delay Insurance for various incidental costs such as lodging, meals, toiletries, and other essential items. Medication expenses are also eligible to be covered under this type of insurance!

You're eligible to receive up to $300 coverage per trip for the following types of losses:

  • Unforeseen weather disrupts your travel plans, whether at the beginning or in progress.
  • Acts of terrorism or hijacking result in a delay during travel.
  • Equipment failure on common carriers (documented).
  • Losing/theft of essential documents like passports when traveling abroad.

Some instances of losses are not eligible for coverage. These can include prepaid expenses, situations known to the traveler or public before their journey commenced, and intentional acts by the insured individual. Please refer to your card's Guide To Benefits for further details on exclusionary conditions about trip delay insurance protection.

For reporting a loss, you have up to 60 days from the incident date. Reach out to 844-933-0648 or dial the number on your card's backside to be connected with the American Express Claims Department.

You'll then get 180 days to submit all necessary documents like a common carrier statement confirming delay, receipts, and other information as required, along with your card statement displaying trip charges.


Baggage Insurance

By purchasing trips exclusively with your American Express® Gold Card or associated reward points, you and up to 3 family members are eligible for baggage insurance.

This includes yourself, a spouse/domestic partner, children under 23, and any dependent disabled children. Coverage will only be provided if at least part of the trip is paid using airline loyalty programs or other rewards connected to Amex rewards.

If your baggage is lost, damaged, or stolen due to circumstances other than war, government confiscation, or personal action of the customer, you are covered up to the following limits:

Checked baggage coverage for each person is up to $500. For carry-on items, the limit per person increases to a maximum of $1,250; if you're located in New York State, American Express provides an additional layer of security with up to $10,000 insured per covered trip and all members involved!

To ensure the safety of your possessions, limits have been set for high-risk items such as jewelry and electronics. Sporting equipment has a maximum limit of $250 per item per trip.

Baggage insurance does not cover certain items - here is a concise list of excluded goods:

  • Credit cards, cash, or monetary equivalents such as money orders or gift cards.
  • Travel documents, passports, or visas
  • Plants, Animals, or Perishables

From providing medical coverage to lost luggage protection, American Express® Gold Card Travel Insurance is one of the most comprehensive insurance policies on the market. The benefits of this policy far exceed the cost and can provide crucial protection while traveling abroad.

Taking a few simple measures like reading up on the terms and conditions before purchasing a policy and being aware of all your travel insurance benefits are great ways to maximize your American Express® Gold Card Travel Insurance coverage.

The ability to customize your coverage with add-ons such as car rental insurance and trip delay protection ensures that you get the most out of your American Express® Gold Card Travel Insurance policy for any international or domestic journey.

As many travelers can attest, there is nothing quite like having the assurance and peace of mind of having reliable travel insurance when away from home.


Women paying for something at a credit card terminal