Varied American Specific playing cards supply journey protections that may take the headache out of your holidays. Nevertheless, the protection you get (and the bounds of stated protection) differ by card. Moderately than attempting to recollect all of this by yourself, we’ll information you thru the journey protections supplied by American Specific playing cards.
This information supplies a complete overview of the journey protections out there throughout the American Specific card portfolio. Every part outlines a protection sort and the playing cards that provide it. We have additionally included protection limits and any extra caveats to notice.
Right here’s what that you must learn about American Specific journey insurance coverage protection.
Journey delay insurance coverage
Journey delay insurance coverage covers you while you encounter journey delays. This could possibly be a delayed flight attributable to mechanical points or an sudden in a single day attributable to a weather-related cancellation.
Different causes are coated, however particular person insurance policies differ in what they do and don’t cowl. If the explanation to your delay shouldn’t be particularly talked about in your coverage, assume that it’s not coated.
With journey delay safety, there are two totally different “ranges” of protection, relying on the cardboard you carry.
Degree 1: Greater-end playing cards
A few of American Specific’ prime merchandise supply journey delay reimbursement of as much as $500 per coated journey that’s delayed for greater than six hours, capped at two claims per eligible card per 12 consecutive months.*
This safety turns into efficient while you buy a ticket utilizing any of the next playing cards:
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*Eligibility and profit degree varies by card. Phrases, situations and limitations apply. Go to americanexpress.com/benefitsguide for particulars. Insurance policies are underwritten by New Hampshire Insurance coverage Firm, an AIG Firm.
**The data for these playing cards has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or offered by the cardboard issuer.
Degree 2: Mid-tier playing cards
Different American Specific playing cards supply journey delay reimbursement of as much as $300 per coated journey that’s delayed for greater than 12 hours, capped at two claims per 12 consecutive months.*
Listed here are the playing cards that embrace this safety while you use them to buy your tickets:
*Eligibility and profit degree varies by card. Phrases, situations and limitations apply. Go to americanexpress.com/benefitsguide for particulars. Insurance policies are underwritten by New Hampshire Insurance coverage Firm, an AIG Firm.
**The data for these playing cards has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or offered by the cardboard issuer.
Journey cancellation and interruption insurance coverage
This sort of protection is for conditions during which your journey is canceled or interrupted (which means you began the journey however should finish it to return house). Because of this, you’re compelled to forfeit pay as you go, nonrefundable reservations. Once more, make certain that your coverage mentions your particular motive for it to be coated.*
All Amex playing cards with this profit present the identical degree of safety. In case your journey is canceled or interrupted for a coated motive, you’ll be able to obtain a most of $10,000 per coated journey and a most of $20,000 per eligible card in a 12-month interval.
Listed here are the playing cards that embrace this safety while you use them to buy journey:
*Eligibility and profit degree varies by card. Phrases, situations and limitations apply. Go to americanexpress.com/benefitsguide for particulars. Insurance policies are underwritten by New Hampshire Insurance coverage Firm, an AIG Firm.
**The data for these playing cards has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or offered by the cardboard issuer.
International Help Hotline
Eligible cardholders can depend on the International Help Hotline 24 hours a day, seven days every week for medical, authorized, monetary or different choose emergency companies coordination and help whereas touring greater than 100 miles from house.*
The International Help Hotline coordinates companies however shouldn’t be the service supplier. Any third-party service prices could also be your accountability.
Listed here are the playing cards that embrace this safety while you use them to pay to your tickets:
*Eligibility and profit degree varies by card. Phrases, situations and limitations apply. Go to americanexpress.com/benefitsguide for particulars. Cardmembers are liable for the prices charged by third-party service suppliers.
**The data for these playing cards has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or offered by the cardboard issuer.
Premium International Help Hotline
Just like the profit above, eligible cardholders for sure premium Amex playing cards can depend on the International Help Hotline 24/7 for medical, authorized, monetary or different choose emergency companies coordination and help companies whereas touring greater than 100 miles from house. With the Premium profit, emergency medical transportation help and associated companies could also be offered without charge.*
If accepted and coordinated by the Premium International Help Hotline, emergency medical transportation help could also be offered without charge to you. In any other case, third-party service prices could also be your accountability.
Listed here are the playing cards that embrace this safety while you use them to pay to your tickets:
*Eligibility and profit degree varies by card. Phrases, situations, and limitations apply. Go to americanexpress.com/benefitsguide for particulars. If accepted and coordinated by Premium International Help Hotline, emergency medical transportation help could also be offered without charge. In another circumstance, cardmembers are liable for the prices charged by third-party service suppliers.
**The data for these playing cards has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or offered by the cardboard issuer.
Baggage insurance coverage plan
Baggage insurance coverage applies to coated individuals for eligible misplaced, broken or stolen baggage throughout journey on a standard provider car (similar to a aircraft, practice, ship or bus) when your entire fare for a ticket on the journey (one-way or round-trip) is charged to an eligible card.
This profit has two totally different “ranges” of protection, relying on the cardboard you carry.
Degree 1: Greater-end playing cards
A few of American Specific’ prime merchandise supply baggage insurance coverage protection of as much as $2,000 for checked baggage and as much as a mixed most of $3,000 for checked and carry-on baggage. This protection exceeds the protection offered by the widespread provider. Protection is topic to a $3,000 combination restrict per coated journey.*
For New York state residents, there’s a $2,000 per bag/per suitcase restrict for every coated individual, with a most of $10,000 combination for all coated individuals per coated journey.*
This safety turns into efficient while you buy a ticket utilizing any of the next playing cards:
**The data for these playing cards has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or offered by the cardboard issuer.
Degree 2: Mid-tier playing cards
Different American Specific playing cards supply baggage insurance coverage protection of as much as $1,250 for carry-on baggage and as much as $500 for checked baggage. This protection is in extra of protection offered by the widespread provider.*
For New York state residents, there’s a most of $10,000 combination for all coated individuals per coated journey.*
Listed here are the playing cards that embrace this safety while you use them to buy your tickets:
*Eligibility and profit degree varies by card. Phrases, situations and limitations apply. Go to americanexpress.com/benefitsguide for particulars. Insurance policies are underwritten by AMEX Assurance Firm.
**The data for these playing cards has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or offered by the cardboard issuer.
Automotive rental loss and injury insurance coverage
Automotive rental loss and injury insurance coverage applies to the theft of or injury to most rental autos while you use an eligible card to order and pay for your entire eligible car rental and decline the collision injury waiver or related choice supplied by the rental automobile firm. Word that this product supplies secondary protection and doesn’t embrace legal responsibility protection. Not all car sorts or leases are coated, and geographic restrictions apply.
This profit has two totally different “ranges” of protection, relying on the cardboard you carry.
Degree 1: Greater-end playing cards
A few of American Specific’ prime merchandise supply automobile rental loss and injury insurance coverage of as much as $75,000 for theft of or injury to eligible rental autos.*
Listed here are the playing cards that embrace this safety while you use them to pay for eligible leases:
Degree 2: Mid-tier playing cards
Different American Specific playing cards supply automobile rental loss and injury insurance coverage of as much as $50,000 for theft of or injury to eligible rental autos.*
Listed here are the playing cards that embrace this safety while you use them to pay for eligible leases:
*Eligibility and profit degree varies by card. Not all car sorts or leases are coated, and geographic restrictions apply. Phrases, situations and limitations apply. Go to americanexpress.com/benefitsguide for particulars. Insurance policies are underwritten by AMEX Assurance Firm. Protection is obtainable by way of American Specific Journey Associated Providers Firm, Inc.
**The data for these playing cards has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or offered by the cardboard issuer.
Backside line
Understanding what advantages your card has to guard you when issues go mistaken throughout a visit may help scale back complications. To that finish, American Specific supplies a number of journey protections throughout lots of its card merchandise.
Protection limits throughout the similar profit can differ by the cardboard you’ve, so seek the advice of the Amex advantages information for full particulars about what your card provides.
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