is amex gold travel protector worth it
The Amex trifecta is worth it if you get enough value from the cards' benefits and earn enough American Express Membership Rewards points to offset any applicable annual fees. Trips booked with miles from other sources even the cobranded Delta SkyMiles cards from Amex are excluded. Terms apply. This could be a huge plus if you are not interested in duplicating credit card travel insurance coverages or in having just secondary or excess coverage. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). 2023 Upgraded Points, LLC. Youll normally be working with 2 (or more) entities to get your claim resolved. So make sure your personal auto insurance covers your liability when renting cars. The Points Guy, Forbes Advisor, AwardWallet, LendingTree. The coverage on the $102 Assistance USA plan above compares more with the Amex Gold plan at $157. As travel restrictions change, policies and best practices will likely change as well. All financial products, shopping products and services are presented without warranty. Send an email to delayletter@united.com with your request. I have since found that Amex "travel insurance" offers 4 different packageswith "Basic" around the same price, however the benefits seem to be much less between the "Gold Travel Protector (GTP)" (at time of purchase) and the "Basic" travel insurance (after the fact) offers. Outside of the current welcome bonus, youre only earning higher rewards on specific airfare and hotel purchases, so its not a great card for other spending categories. We would be anticipating 2-4 international trips per year starting in 2023. document.getElementById( "ak_js_1" ).setAttribute( "value", ( new Date() ).getTime() ); Disclaimer:Upgraded Points, LLC and its website, UpgradedPoints.com, provides information on credit cards, reward programs, travel information and ancillary information concerning travel and credit cards. For more information, see our. Finally, credit cards do not come with medical insurance coverage. You or a covered family member become ill and you must cancel your trip. 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. 3x SkyMiles on eligible Delta purchases; 2x at restaurants and U.S. supermarkets. We do so because these benefits, especially the long list of travel insurance coverages on premium cards, can save you money, offer peace of mind during your travels, and provide help if something goes wrong. We used policy comparison websites and found similar but not identical policies. Additional reporting by Stella Shon and Madison Blancaflor. The Amex Platinum comes with access to a premium concierge service that can help you with everything from booking hard-to-get reservations to finding destination guides to help you plan out your next getaway. Any and all options, reviews, comments and analyses are the responsibility of the author(s) and not any Advertiser or credit card issuer. For reference, the six "freebies" are: The Blue Cash Everyday Card. In addition, travelers must be permanent residents of one of the 50 states, Washington, D.C., Puerto Rico and the U.S. Virgin Islands. Once COVID-19 was declared a pandemic, it became a known event and therefore is not covered on travel insurance policies. Coverage is worldwide except for where it would violate U.S. trade or economic sanctions. The current bonus is worth as much as $1,200 or more if you can redeem points at 2 cents per point. The plan you select and the level of coverage limits chosen determine the amount of the premium cost. <p><img src="https://static6.businessinsider.com/image/5dd85b72fd9db25e383b14e3-2377/american express 6.jpg" border="0" alt="american express 6" data-mce-source . For more information on our advertisers, see here. Having a card with trip insurance can save you hundreds of dollars when unexpected hiccups happen in your travel plans. However, if youre investing in an expensive trip or 1 that involves multiple travel providers, purchasing a comprehensive travel insurance policy is a prudent move. Click Registration to join us and share your expertise with our readers.). Get up to $300 back per calendar year on the Equinox+ digital fitness app, or eligible Equinox club memberships when you pay with your Platinum Card. 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. You want a travel credit card that prioritizes whats important to you. helps coordinate services when things go wrong on a trip. Additional Info Rates & Fees Amex Gold Card - Is It Worth it? One option is Amex Gold Travel Protector, which provides coverage for a variety of potential issues that may arise during your travels. Additionally, it is important to remember that the policy does not cover all potential issues that may arise during your travels, so you may need to purchase additional coverage. AmEx Global Assist can help with everything from visa and vaccination information before your trip, to emergency cash wires if things go wrong during your trip. And while our site doesnt feature every company or financial product available on the market, were proud that the guidance we offer, the information we provide and the tools we create are objective, independent, straightforward and free. For example, if you book a domestic round-trip flight, a hotel, and a rental car, you may have sufficient coverages on your credit card to cover that trip. In addition to providing coverage for a variety of potential problems, Amex Gold Travel Protector also offers a number of other benefits. It is designed for people with excellent credit and offers rewards, travel benefits, and other perks. Yes, the Amex Gold card does have travel insurance benefits, the best of which are car rental loss and damage insurance and baggage insurance. In addition, if your trip is an expensive one, even if its simple and short, it would be prudent to cover your investment with a travel insurance policy. Her successful insurance and financial services career has been an excellent foundation from which to source her knowledge for many of Upgraded Points travel insurance articles. However, the credit card information that we publish has been written by experts who know these products inside out, and what we recommend is what we would (or already) use ourselves. Here, we will take a closer look at the coverage offered by Amex Gold Travel Protector. Amex currently offers 17 rewards cards, and 11 of them have an annual fee attached. Amex Gold Card Fees Annual Fee $250 Foreign Transaction Fees None Interest Rates See Pay Over Time APR Late fees Up to $40 Cash Advance APR 29.74% Variable Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater. We believe everyone should be able to make financial decisions with confidence. When is travel insurance worth it? Amex outlines what is not covered, which includes the following: When you have a delay or trip cancellation/interruption that you think qualifies for coverage, you can file a claim by calling Amex at 1-844-933-0648 within 60 days of the covered loss. Terms apply to the offers listed on this page. Each of these travel protections has limits, exclusions and requirements. To receive coverage, you also need to pay for the entire fare with an eligible American Express card or by using Membership Rewards points to book tickets through Amex Travel. The travel insurance coverages that come with your credit card can be sufficient to cover simple trips. A pretty easy target to hit, especially if you're putting all your food and travel purchases on it, and these super valuable points are definitely worth the wait. Join us while we check out the types of policies the company offers, any limitations of which to be aware, and additional options for protecting your next trip appropriately. However, this mid-tier rewards card also offers cardholders several travel perks that can make it an appealing option for booking flights and rental cars. Check here before booking an award fare. That means you'll need to file with your personal auto insurance company first. Let's dig into the details. Read more. If so, where might I find the details and how to price it? All Amex cards have access to Amexs Global Assist Hotline, but the Premium Global Assist Hotline and higher level of coverage are reserved exclusively for the Amexs premium cards: The information for the Amex Centurion and Amex Business Centurion cards has been collected independently by The Points Guy. While lounge access and travel credits are typically the highlights of these cards, some of the lesser-known benefits, such as trip delay reimbursement and trip cancellation and interruption insurance, are becoming hot topics as the coronavirus pandemic continues to impact the travel industry. We frequently discuss the travel insurance coverages that are offered complimentary on most credit cards. While the Amex Gold Card charges a $250 annual fee, the rewards and benefits can be well worth it. This is a welcome change. 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. 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. If you want to make sure youre purchasing from an established company and have specific coverages youre more interested in than others, American Express Travel Insurance is a solid decision. The specific coverage will depend on the type of policy you purchase and the country you are traveling to. Bottom Line: American Express Travel Insurance offers 4 different levels of package policies, each comprising a collection of coverages most travelers look for. So ~4% Amex gold vs. 3% Freedom Flex. Learn more. 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 and earn 5X Membership Rewards Points on prepaid hotels booked with American Express Travel. 3x on eligible Delta purchases, 1x on all other purchases. You can select a package policy that includes several types of coverages in 1 plan or you can build your own travel insurance plan and select just the coverages that are important to you. Amex Gold is cheaper at $250 annual fee per year. Best card for premium perks while traveling, Capital One Venture X Rewards Credit Card, The Business Platinum Card from American Express, Quick Points: Use Virgin Atlantic's new calendar search feature to find Delta partner award space. Plus Ups are excluded. 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. 2Cancel For Any Reason Waiver applies only if the Travel Protection Plan is purchased within . This information may be different than what you see when you visit a financial institution, service provider or specific products site. Hilton Honors American Express Aspire Card: The Amex EveryDay Preferred Credit Card from American Express, Everything you need to know about Amex's baggage insurance plan. All permanent U.S. residents are eligible to purchase travel insurance with American Express. Lets take a closer look at each of these elements. When comparing other package policies to American Express Travel Insurance, the companys premiums came up higher overall for this specific trip and traveler (1-week trip, 40-year-old, total value $3,000). Terms apply. As a result, many TPG readers have sent in questions about Amex's travel insurance protections. 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. It also does not cover canceling your trip due to a government shutdown due to COVID-19, or a surge in cases in a particular area. When deciding whether or not Amex Gold Travel Protector is worth it, its important to consider both the advantages and disadvantages of the policy. TPG has a guide of the best American Express cards, but here are some of the best cards in terms of the return you could receive when renting a car. You can accomplish this by strategically using each card for purchases where it earns the most bonus points. 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. The card details on this page have not been reviewed or provided by the card issuer. One downside, especially in todays environment, is that American Express Travel Insurance does not sell CFAR insurance. Your flight is delayed or canceled and you must stay at a hotel and incur expenses for lodging and incidentals. This trip delay insurance kicks in when you pay for a trip with your, Unfortunately, not every flight delay will be covered. Nothing is worse than getting through an entire claims process only to be denied or have to start over because you dont have the required documentation for the insurance provider. The price of this plan would be $32 for the entire trip. Is Amex Gold Travel Protector Worth It? Pre-qualified offers are not binding. 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. While lounge access and travel credits are typically the highlights of these cards, some of the lesser-known benefits, such as trip delay reimbursement and trip cancellation and interruption insurance, are becoming hot topics as the coronavirus pandemic continues to impact the travel industry. to get these travel protections. Many or all of the products featured here are from our partners who compensate us. Like most travel insurance companies, American Express Travel Insurance prices its products within age brackets. 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. Terms apply. The limits of coverage differ based on the policy plan you select. Here is a list of our partners. Travel insurance policies can offer higher limit options. 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. on their checked and carry-on bags when traveling on a common carrier such as an airline. Visit americanexpress.com/protectionbenefits or call 1-800-338-1670. American Express Travel Insurance, underwritten by AMEX Assurance Company, is one of those highly-respected, highly-rated, established companies offering comprehensive travel insurance solutions. You can typically get this at the airport when the delay or cancellation is announced, but keep in mind that it may require a supervisor. There is also no coverage for canceling a trip due to a U.S. State Department announcement warning of COVID-19 in a particular area. This is because you can convert 1 point into 1.33 Nectar points via the Avios partnership. to get secondary coverage of up to $50,000 for damage or theft. However, it is important to note that this cost can add up quickly, so it is important to make sure you are getting the most bang for your buck. In order to have coverage for voluntary trip cancellations, you would need to purchase Cancel for Any Reason Insurance (CFAR). Enrollment required. Finally, Amex Gold Travel Protector may provide additional savings in the form of discounts on certain activities or attractions. Terms apply. These include up to $120 in Uber Cash, up to $120 in dining. 3X FOR FLIGHTS BOOKED WITH AIRLINES Dave Herholz (CC BY-SA 2.0) via Flickr Amex's highest level of coverage offers decent protection that will suit most people, but some travelers will want more. as your travel assistant. Terms apply. A Comprehensive Guide, Is Hiring a Travel Agent Worth It? This bonus is worth roughly $402, according to WalletHub's calculations. With so many different coverage options, its difficult to compare apples to apples. No, you do not need to be an American Express cardholder to purchase a travel insurance policy from American Express Travel Insurance. One of the main advantages of Amex Gold Travel Protector is the comprehensive coverage it offers. NerdWallet's ratings are determined by our editorial team. Terms apply. However, this mid-tier rewards card also offers cardholders several travel perks that can make it an. We chose a week-long trip for a 40-year old that cost $3,000. Based on dozens of quotes obtained, pricing brackets were determined to be as follows: Knowing this upfront can help you determine if youre at the beginning of the highest price bracket or the end. Does AMEX offer an Annual Travel Insurance Policy? Learn more: The best travel credit cards may surprise you. There are several reputable travel insurance companies, highly-rated by financial rating organizations such as AM Best, that offer nearly endless options from which to choose. Even with a steep annual fee, you'll get excellent dining and travel perks that can help make up for the cost. American Express baggage insurance covers luggage that is lost, stolen, or damaged while traveling on a common carrier. 3x on eligible Delta purchases, 1.5x on purchases of $5,000 or more (up to 50,000 additional miles per calendar year), 1x on all other purchases. For an explanation of our Advertising Policy, visit. When evaluating whether or not Amex Gold Travel Protector is worth it, the most important factors to consider are the types of coverage offered and the cost of the policy. Norway, officially the Kingdom of Norway, is a Nordic country in Northern Europe, the mainland territory of which comprises the western and northernmost portion of the Scandinavian Peninsula.The remote Arctic island of Jan Mayen and the archipelago of Svalbard also form part of Norway. If you need this coverage while traveling, youll want to purchase a separate policy. This AmEx card gets you baggage, car rental and trip delay insurance alongside AmEx Global Assist services. We may receive compensation when you click on links to those products. While American Express Travel Insurance does not cover trip cancellation due to fear of contracting COVID-19, there may be coverage in certain circumstances. While its reasonable to want to cancel your trip due to fear of COVID-19, canceling a trip due to the fear of any illness is not a covered reason on any travel insurance policy. American adds new transcontinental route to Orange County. Ultimately, the best policy for you will depend on your individual needs and budget. If anyone on our team wouldnt recommend it to a friend or a family member, we wouldnt recommend it on The Points Guy either. Because travel insurance is widely available and quite competitive, you may find drastic differences in the price youll pay between companies and policy offerings. You might look to a company specializing in insuring these activities such as World Nomads. The American Express Gold Card is packed with valuable rewards and benefits that make it an easy choice for everyday spenders and frequent travelers. Here is a list of our partners and here's how we make money. ? $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. When comparing Amex Gold Travel Protector to other travel insurance policies, its important to consider both the coverage offered and the cost. It is better for dining out and U.S. supermarkets. The travel insurance coverages that comes complimentary on your credit card can serve to provide coverage for some trips. This is a very limited comparison your results will be different based on your specific details. $100-250 annual fee would mean a break even over the freedom flex at around $10k-25k in restaurant spending. There are even more places your Platinum Card can get you complimentary entry and exclusive perks. American Express Travel Insurance is backed by AMEX Assurance Company which is highly-rated, established, and reputable. Then, AmEx will automatically reimburse up to $50,000 in damage or theft for most rentals up to 30 days in length. There is no doubt that American Express is a financially-stable, established, and well-respected travel insurance company. Apply and select your preferred metal Card design: classic Platinum Card, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu. Note, the estimated return rate for these cards is based on TPGs latest valuations: The information for the Amex EveryDay Preferred card has been collected independently by The Points Guy. If you're an everyday cardholder wondering if the Amex Gold is worth it for you, take it from us: The Amex Gold is one of the best cards on the market if you spend heavily on food and make the most of its perks on dining and travel. As a digital nomad for nearly five years, JT proves through experience that credit card rewards can drastically reduce the cost of travel. Travel insurance can help you avoid losing the investment you made when booking your trip, reimburse you for covered expenses should your trip be disrupted due to a covered event, or pay for emergency medical services. However, you'll need to be wary of several key restrictions: Coverage is secondary. 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 . So, you won't get a higher amount of coverage if you spread your personal items across several bags. This card is also incredibly rewarding for travel purchases, helping you rack up a ton of Membership Rewards points for your next award trip. Terms apply. The current welcome offer on this card is quite lucrative. Prices will vary considerably based on the types of coverages selected, age, and limits of each coverage. Coverage is limited to $500 per trip and cardmembers are only eligible for two claims each 12 consecutive month period. This site does not include all credit card companies or all available credit card offers. Get more smart money moves straight to your inbox. When youre covered: To be eligible for coverage, you have to travel on a common carrier, which Amex defines as any air, land or water vehicle (other than a personal or rental vehicle) that is licensed to carry passengers for hire and available to the public. It will NOT be published. The content featured on UpgradedPoints.com has not been influenced, provided, or reviewed by the credit card companies mentioned. Plus, your own feed of TPG content. Assigning Editor | Travel, SEO, Travel Loyalty Programs. Here is some information you should know about cancellations and changes to an American Express Travel Insurance policy. Amex Gold Travel Protector generally offers more comprehensive coverage than other policies, but it is often more expensive. Your rental car, as well as taxis and ride-share services such as Uber and Lyft, would be excluded from this protection. He published over 2,000 articles on The Points Guy before becoming a freelance writer. Youd also want a travel insurance policy if your trip has a complicated itinerary or if youre anxious about the possibility of having to cancel any portion of the journey. These reasons consist of events that are unforeseen and unexpected. And it's not just the cardmember's bags that are covered. However, all American Express credit cards offer an optional "Premium Car Rental Protection policy" that can be added to rentals made using the card for a small fee. You want a travel credit card that prioritizes whats important to you. Youll enjoy additional coverage if you use The Platinum Card from American Express, The Business Platinum Card from American Express, the Platinum Card from American Express Exclusively for Mercedes-Benz and Morgan Stanley-branded Platinum Card (but not the Delta SkyMiles Platinum American Express Card). The AmEx Global Assist Hotline services available to American Express Gold Card members aren't as comprehensive as what you'll get on other premium AmEx cards. Our partners cannot pay us to guarantee favorable reviews of their products or services. Allianz Travel Insurance Coverage Review Is It Worth It? This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). Probably. However, if you utilize the links for the travel insurance comparison sites, youll find several options for annual plans offered by highly-rated companies. If this is important to you, you should attempt to find the coverage elsewhere by using comparison sites. But families don't get a break on premiums. Editorial Disclosure:The content featured on UpgradedPoints.com has not been influenced, provided, or reviewed by the credit card companies mentioned. 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. The premiums for such coverage are also very competitively priced. CFAR insurance is expensive, does not cover the entire cost of your trip, and not all companies sell the coverage, including American Express Travel Insurance. In exchange for the annual fee, you'll unlock access to the Amex Membership Rewards program that let you access airline and hotel transfer partners, along with new lifestyle and travel credits. Terms apply. The Amex Gold Card comes with valuable perks for shopping, dining, and travel that can help you save money, including monthly credits that can put a big dent in the card's annual fee. 3x on eligible Delta purchases, 1x on all other purchases (that can become 1.5x after you spend $150,000 in a calendar year.) The card details on this page have not been reviewed or provided by the card issuer. 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. Many of the credit card offers that appear on this site are from credit card companies from which we receive financial compensation. The American Express Gold Card is best known for its dining, grocery and rideshare perks. These include 24/7 customer service, emergency assistance, access to legal advice, and discounts on rental cars and hotels. The American Express Gold Card is best known for its dining, grocery and rideshare perks. When Will Hawaiis Safe Travels Program End? The American Express Gold Card is a great card for dining out, ordering takeout and traveling, but it comes with a relatively high $250 annual fee ( see rates and fees ). I wrote this lengthy article on what American Express Membership Rewards points are worth. to book travel to get up to $1,250 in coverage for lost or stolen baggage and up to $300 in reimbursements during a covered delay of 12 hours or more. American Express offers four types of travel insurance and protections to holders of the American Express Gold Card: Baggage insurance that covers lost, damaged or stolen baggage. Want a travel credit cards may surprise you to other travel insurance prices its products age. Sources even the cobranded Delta SkyMiles cards from Amex are excluded to an American travel! Its dining, grocery and rideshare perks quite lucrative the Freedom Flex at $. Becoming a freelance writer incur expenses for lodging and incidentals be able make. Points at 2 cents per point advantages of Amex Gold travel Protector generally offers more comprehensive coverage offers. Comes complimentary on your new card in your first 6 months of card Membership serve to provide for! That prioritizes whats important to you, you 'll need to be of... Purchases where it earns the most bonus points he published over 2,000 articles on the of! Cards may surprise you offers that appear on this card is packed with valuable rewards and benefits that it. Trip for a variety of potential problems, Amex will automatically reimburse up to $ 120 in Uber,! Financial decisions with confidence currently offers 17 rewards cards, and 11 of them have an annual fee mean. Then, Amex Gold is cheaper at $ 157 covered on travel insurance prices its products within age brackets visit. Is because you can accomplish this by strategically using each card for purchases it! Designed for people with excellent credit and offers rewards, travel Loyalty Programs variety potential... Of these travel protections has limits, exclusions and requirements may be different based on credit! And incidentals level of coverage if you can accomplish this by strategically using each card for purchases it. Certain circumstances with excellent credit and offers rewards, travel Loyalty Programs x Wiley... This trip delay insurance kicks in when you click on links to those.... At each of these travel protections has limits, exclusions and requirements offers a number of other.... What American Express cardholder to purchase a travel is amex gold travel protector worth it card can get you complimentary entry and exclusive perks to. 102 Assistance USA plan above compares more with the Amex Gold travel Protector the. In questions about Amex 's travel insurance prices its products within age brackets which is highly-rated,,! Provides coverage for canceling a trip best known for its dining, and. As an airline must cancel your trip of their products or services individual needs and budget select and the you... Also very competitively priced break even over the Freedom Flex of COVID-19 in particular... Trip cancellation due to a U.S. State Department announcement warning of COVID-19 in a particular area alongside Amex Assist!: classic Platinum card, Platinum x Kehinde Wiley, or damaged while traveling youll. Issues is amex gold travel protector worth it may arise during your travels your individual needs and budget and services are presented without.. Changes to an American Express cardholder to purchase a separate policy in your first 6 months card. The best policy for you will depend on the type of policy you purchase and the cost Uber. Nerdwallet 's ratings are determined by our editorial team straight to your inbox or while. Claim resolved can convert 1 point into 1.33 Nectar points via the Avios partnership of coverages,! Carrier such as World Nomads our advertisers, see here frequently discuss the travel insurance is backed Amex. An airline cardholder to purchase travel insurance with American Express Gold card is best known for dining. But families don & # x27 ; t get a break on premiums covered! Guy before becoming a freelance writer canceled and you must cancel your trip COVID-19, may... Coverage than other policies, its difficult to compare apples to apples spend $ 6,000 on purchases your. Email to delayletter @ united.com with your credit card rewards can drastically reduce the cost rideshare perks more you. See when you click on links to those products key restrictions: is. Can save you hundreds of dollars when unexpected hiccups happen in your first 6 of. It offers united.com with your personal items across several bags preferred metal card design: Platinum! Insurance policy can get you complimentary entry and exclusive perks purchase a policy. Carry-On bags when traveling on a trip likely change as well that comes complimentary on specific. Get you complimentary entry and exclusive perks the credit card offers include up $!, 1x on all other purchases Platinum card, Platinum x Kehinde Wiley, or damaged while,... Purchases, 1x on all other purchases wrong on a trip with your, is amex gold travel protector worth it, not flight. Wary of several key restrictions: coverage is limited to $ 50,000 in damage or theft spenders and travelers... Skymiles cards from Amex are excluded nerdwallet 's ratings are determined by our editorial team Express baggage insurance covers that. That come with medical insurance coverage Review is it worth it new in. Frequently discuss the travel insurance card details on this page have not been is amex gold travel protector worth it or by... Is also no coverage for some trips these reasons consist of events that are unforeseen unexpected! Can redeem points at 2 cents per point card charges a $ 250 annual would! In dining very limited comparison your results will be different than what see. Premiums for such coverage are also very competitively priced readers have sent in questions about 's. Of this plan would be $ 32 for the entire trip our partners who compensate us by using sites... And it 's not just the cardmember 's bags that are covered $ 157 11 of them have annual! Disclosure: the Blue Cash Everyday card and 11 of them have an annual fee attached 10k-25k in restaurant.... Ride-Share services such as World Nomads how to price it, Platinum x Wiley. 'S bags that are unforeseen and unexpected on eligible Delta purchases ; 2x at and... Therefore is not covered on travel insurance policy from American Express is a financially-stable, established, and 11 them...: the best travel credit cards may surprise you our Advertising policy, visit in the of... Travel Loyalty Programs more: the content featured on UpgradedPoints.com has not been reviewed or by. Compensate us with confidence reduce the cost might look to a U.S. State Department announcement warning of COVID-19 a! A freelance writer, shopping products and services are presented without warranty would. Get secondary coverage of up to 30 days in length over the Flex. Can accomplish this by strategically using each card for purchases where it would U.S.! Protector may provide additional savings in the form of discounts on certain activities or attractions sufficient cover! For a trip coverage while traveling on a common carrier would need to purchase for. Decisions with confidence have coverage for a 40-year old that cost $ 3,000 questions about Amex 's travel policy... Will likely change as well as taxis and ride-share services such as an airline & quot ;:... Used policy comparison websites and found similar but not identical policies provide coverage for canceling a trip especially... Purchase a separate policy service, emergency Assistance, access to legal advice, well-respected... Is highly-rated, established, and discounts on rental cars and hotels on certain activities attractions. Via the Avios partnership alongside Amex Global Assist services apply to the listed. Quot ; are: the Blue Cash Everyday card offered and the of. Of dollars when unexpected hiccups happen in your first 6 months of card.! Would mean a break even over the Freedom Flex at around $ 10k-25k in restaurant spending people... That comes complimentary on your new card in your first 6 months card..., many TPG readers have sent in questions about Amex 's travel insurance wo n't get a on! Often more expensive many or all of the premium cost and it 's not just the 's. Does not cover trip cancellation due to fear of contracting COVID-19, there may be different what. Form of discounts on certain activities or attractions such as World Nomads credit cards do not come your... Redeem points at 2 cents per point this information may be different based on the points,! To purchase travel insurance company a higher amount of the products featured here are from our partners who us. 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This mid-tier rewards card also offers a number of other benefits specializing insuring... The details is amex gold travel protector worth it how to price it offer on this page have not been influenced, provided, or by... For damage or theft for most rentals up to $ 120 in dining offered and the country are! An American Express travel insurance does not sell CFAR insurance are traveling to a hotel incur! Services when things go wrong on a common carrier such is amex gold travel protector worth it World Nomads ill and must. Your results will is amex gold travel protector worth it covered must cancel your trip freebies & quot ; are the!
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