This article will explore the benefits and costs of Amex Gold Travel Protector, compare it to other travel insurance policies, and help you evaluate if it fits into your travel budget. Traveling can be an exciting experience, but it can also come with a lot of risks. In addition to providing coverage for a variety of potential problems, Amex Gold Travel Protector also offers a number of other benefits. And you can fall back on AmEx Global Assist anytime you run into issues when planning your trip or if you have an emergency during the trip. See what a point or mile is worth with our appraisals of a loyalty programs currency, based on redemption values. For example, if you become sick with the virus and have to cancel your trip as a result, you may have coverage under trip cancellation insurance. In addition, travelers must be permanent residents of one of the 50 states, Washington, D.C., Puerto Rico and the U.S. Virgin Islands. Realistically, Membership Rewards points are worth at least 0.66p. The average initial bonus is 31,338 points/miles or $230 cash back. Here is an overview of the Amex cards that offer trip delay reimbursement, trip cancellation/interruption insurance or both: The information for the Amex Green Card, Hilton Aspire Amex card and American Express Corporate Platinum Card has been collected independently by The Points Guy. Bottom Line: Travel insurance does not cover canceled trips due to fear of getting COVID-19 or a government declaration that a specific destination is unsafe. Christine was born in Northern Michigan but spent most of her career operating her own business developing and managing insurance and financial services offices throughout the state. HOW IT WORKS: Add Trip Cancel Guard and get up to 75% reimbursement if you cancel your eligible flight at least two full calendar days before. Trips booked with miles from other sources even the cobranded Delta SkyMiles cards from Amex are excluded. But this guide will walk you through which Amex credit cards have these benefits, what's currently covered and how you can file a successful claim. If you're outside of the United States, you can call collect at 1-303-273-6497. An Exploration of Cultural, Religious, and Legal Implications, Do Travel Adapters Change Voltage? When considering Amex Gold Travel Protector, its important to understand what types of coverage it offers. 6x at hotels participating in the Marriott Bonvoy program, 3x at worldwide restaurants and flights booked directly, 2x on all other eligible purchases. How to Book Cheap Car Rentals in Los Angeles [Price Comparisons], The 16 Best Ways To Redeem China Southern Miles [2023], American Express Travel Insurance Options, Additional Information American Express Travel Insurance, How Does American Express Travel Insurance Compare, The Value of Travel Insurance Comparison Sites, 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. It is important to remember that Amex Gold Travel Protector does not cover all potential issues that may arise during your travels. When evaluating offers, please review the financial institutions Terms and Conditions. The Hilton Honors Card. Youll normally be working with 2 (or more) entities to get your claim resolved. Terms apply. Who's covered: This policy covers both primary and additional cardholders, as well as cardmembers spouses or domestic partners and any dependent children under 23 years old. 1The Cash Back refund option applies if the Travel Protection Plan Plus is purchased within seven (7) days of your initial deposit for your trip. With so many different coverage options, its difficult to compare apples to apples. Here are our picks for the best travel credit cards of 2023, including those best for: Flexibility, point transfers and a large bonus: Chase Sapphire Preferred Card, No annual fee: Bank of America Travel Rewards credit card, Flat-rate travel rewards: Capital One Venture Rewards Credit Card, Bonus travel rewards and high-end perks: Chase Sapphire Reserve, Luxury perks: The Platinum Card from American Express, Business travelers: Ink Business Preferred Credit Card, About the author: JT Genter is a freelance points, miles and credit card writer formerly of The Points Guy. Types of Amex Gold card Travel Insurance Here is a list of our partners. The American Express Gold Card's 4 points per dollar earnings rate at restaurants and U.S. supermarkets (up to $25,000 per calendar year, then 1 point) make the card a rewarding choice . The annual fee is relatively high at $550, but it comes with a range of exclusive benefits, including airport lounge access, 5x points on select flights, and free hotel stays . Her previous experience involved building and writing business plans in the mergers and acquisitions sector in New York, as well as staffing in the insurance and financial technology software field. However, if you utilize the links for the travel insurance comparison sites, youll find several options for annual plans offered by highly-rated companies. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). You have the option to select just that coverage. We would be anticipating 2-4 international trips per year starting in 2023. Keep in mind that a provider may ask for additional documentation related to the incident, so you may have to collect receipts and other forms to help your case. Terms apply. Terms apply. The price for coverage is the same for everyone in that specific age bracket. If losing your trip investment or having to pay for extra expenses if the trip is disrupted makes you uncomfortable or would present a financial burden, then you should purchase a comprehensive travel insurance policy. Seldom travelers may not get enough value to warrant the cost. Terms apply. This trip delay insurance is effective as long as you start from your home and pay for your entire trip with the. See our Advertiser Disclosurefor more details. The cheapest car rental companies, according to data, One of the newest travel insurance perks of the, (added as of Jan. 1, 2020) is trip delay insurance protections. Click here to see a list of advertisers that we work with. Amex also provides an extensive list of things that are not covered by trip cancellation/interruption insurance: If you do find yourself canceling or cutting a covered trip short, here are the basic guidelines provided by Amex on what types of expenses are covered for trip cancellation/interruption: Trip delay coverage provides reimbursement for reasonable additional expenses incurred when your trip is delayed due to a covered hazard for more than six hours. AmEx also covers the bags of your: If you need any more incentive to pack light: AmEx protects up to $1,250 in loss, damage or theft for carry-on bags and $500 max for checked bags. Cruise >> Specialized coverage for your unique travel concerns when setting sail. This card comes with a long list of benefits, including access to Centurion Lounges, complimentary elite status with Hilton and Marriott, at least $500 in assorted annual statement credits and so much more. Terms apply to the offers listed on this page. We used policy comparison websites and found similar but not identical policies. The types of losses it covers: Youre covered for losses resulting from damaged, stolen or lost baggage, including both carry-on and checked bags. Credit ranges are a variation of FICO Score 8, one of many types of credit scores lenders may use when considering your credit card application. Learn more: How to book better and avoid flight delays. The first policy above with Assistance USA for $77, for example, has coverages similar to the Silver Amex plan which has a premium of $133. How Much Are Travel Points and Miles Worth in 2023? To activate this coverage, just pay for the entire rental with your American Express Gold Card and decline the rental company's collision damage waiver product. In order to have coverage for voluntary trip cancellations, you would need to purchase Cancel for Any Reason Insurance (CFAR). purchasing travel insurance in your 60s, 70s, and beyond, The 7 Best Cards for Travel Insurance Coverage and Protection [2023]. Be sure to include the names of everyone in your party, flight confirmation number, flight numbers, travel dates and your contact information. Earn 80,000 Membership Rewards points after you spend $6,000 on purchases on your new Card in your first 6 months of Card Membership. The current welcome offer on this card is quite lucrative. Probably. NerdWallet strives to keep its information accurate and up to date. The best travel credit cards may surprise you. Your trip also isnt covered if you used a combination of miles and dollars unless the miles came from a Membership Rewards transfer. Terms apply. The American Express Preferred Rewards Gold card is issued directly by American Express and has recently been changed from a charge card to a credit card. Terms apply to offers below. Our points-obsessed staff uses a plethora of credit cards on a daily basis. When comparing Amex Gold Travel Protector to other travel insurance policies, its important to consider both the coverage offered and the cost. In order to protect yourself and your finances, its important to consider investing in travel insurance. Terms apply. Global Assist helps coordinate services when things go wrong on a trip. Get more smart money moves straight to your inbox. For example, you'll generally need to pay for trips with your. The price of this plan would be $32 for the entire trip. to get these travel protections. Terms apply. This site does not include all credit card companies or all available credit card offers. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). Up to 4 claims a year are allowed. Earn 5X Membership Rewards Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year. Additional coverages can be added to travel insurance policies such as CFAR insurance, a preexisting conditions waiver, and other benefits not available with credit cards. The Bottom Line: This plan is solid travel insurance protection from a reliable company. The interest rate on the American Express Gold card is 22.9% APR variable with a 57.6% APR variable including the annual fee (although the Amex Gold credit card is free for the first 12 months). Rent a car with your. 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