Terms apply. 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. Uber Cash and Uber VIP status is available to Basic Card Member only. This information may be different than what you see when you visit a financial institution, service provider or specific products site. Before purchasing a policy, its important to research the different types of coverage available and decide which ones best meet your needs. This influences which products we write about and where and how the product appears on a page. Amex Gold Travel Protector covers a variety of potential issues that may arise during your travels, including trip cancellation and interruption coverage, medical and dental coverage, and baggage protection. When evaluating offers, please review the financial institutions Terms and Conditions. While the American Express Gold Card isn't a premium travel card, it still offers core travel insurance protections that can make it the go-to card for booking travel and rental cars. Credit card travel insurance coverage, however, is not a replacement for a comprehensive travel insurance policy, for these reasons: Bottom Line: While the travel insurance coverages that come with credit cards may be sufficient to cover a simple trip where there is no large investment at stake, these coverages are by no means a replacement for a comprehensive travel insurance policy. This example shows the levels of coverage available and the associated premium costs. In addition, as an Amazon Associate we earn from qualifying purchases. Exploring the Pros, Cons, and Benefits of Utilizing Professional Vacation Planning Services. One of the main advantages of Amex Gold Travel Protector is the comprehensive coverage it offers. The card details on this page have not been reviewed or provided by the card issuer. 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. Rent a car with your American Express Gold Card to get secondary coverage of up to $50,000 for damage or theft. It is better for dining out and U.S. supermarkets. The coverage on the $102 Assistance USA plan above compares more with the Amex Gold plan at $157. There are two situations in which travel insurance can be worthwhile: to protect your trip and to protect your health. Editorial Disclosure:The content featured on UpgradedPoints.com has not been influenced, provided, or reviewed by the credit card companies mentioned. A counterfeit scheduled airline or train ticket; or a scheduled airline or train ticket which is charged to a fraudulently issued or fraudulently used eligible card. Bottom Line: Having the option to select only the coverages you want allows you to save money by not paying for coverages you dont need. You can find the full terms and conditions of what is generally covered on your respective card in your Guide to Benefits, which can be found through your online account. Use your American Express Gold Card 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. Learn more. After all, American Express Membership Rewards points are valued at up to 2.1 cents each. Reach out to Alaska Airlines customer care at 1-800-654-5669. When you purchase travel insurance and your trip is canceled, you expect to have coverage. In order to protect yourself and your finances, its important to consider investing in travel insurance. Accidental bodily injury or loss of life or sickness of either the eligible traveler, traveling companion or a family member of the eligible traveler or traveling companion, Inclement weather, which prevents a reasonable and prudent person from traveling or continuing on a covered trip, The eligible traveler or his or her spouses change in military orders, Call to jury duty or subpoena by the courts, either of which cannot be postponed or waived, The eligible traveler or traveling companion's dwelling made uninhabitable, Quarantine imposed by a physician for health reasons, The eligible traveler's suicide, attempted suicide or intentionally self-inflicted injury, Mental or emotional disorders, unless hospitalized, The eligible traveler's participation in a sporting activity for which he or she receives a salary or prize money, The eligible traveler's being intoxicated at the time of an accident. Yes, overall. Disclaimer: Any comments listed below are not from the bank advertiser, nor have they been reviewed or approved by them. For more information on our advertisers, see here. The travel insurance coverages that come with your credit card can be sufficient to cover simple trips. Terms apply. This is because you can convert 1 point into 1.33 Nectar points via the Avios partnership. Trip delay insurance reimburses expenses when your travel plans are delayed by more than 12 hours. Image Credit: Upgraded Points The content featured on UpgradedPoints.com has not been influenced, provided, or reviewed by the credit card companies mentioned. Pre-qualified offers are not binding. Up to. It is designed for people with excellent credit and offers rewards, travel benefits, and other perks. Breeze through security with CLEAR lanes available at 100+ airports, stadiums, and entertainment venues and get up to $189 back per calendar year on your membership when you use your Card. While American Express Travel Insurance does not cover trip cancellation due to fear of contracting COVID-19, there may be coverage in certain circumstances. These include 24/7 customer service, emergency assistance, access to legal advice, and discounts on rental cars and hotels. 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. 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. When evaluating offers, please review the financial institutions Terms and Conditions. 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. These complimentary coverages are useful and can offer more than adequate coverage for most trips. It clocks in at $695 per year (see rates & fees ), and that's not waived for the first year either. One downside, especially in todays environment, is that American Express Travel Insurance does not sell CFAR insurance. 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. To be eligible to file a travel insurance claim, you'll need to pay for your travel using your Amex Gold card. The annual fee on the American Express Gold card is $250 (see rates & fees ). Up to 4 claims a year are allowed. And the maximum benefit for each of these is capped at a certain amount. Global Assist helps coordinate services when things go wrong on a trip. 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. Coverage is limited to $500 per trip and cardmembers are only eligible for two claims each 12 consecutive month period. That is up from the previous bonus of 35,000 points. Terms apply. 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. Learn more: The cheapest car rental companies, according to data. Terms apply to the offers listed on this page. Protect your trip with cancellation, interruption, delay and medical benefits. 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. For more information on our advertisers, see here. 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. 3x on eligible Delta purchases, 1x on all other purchases. We believe everyone should be able to make financial decisions with confidence. Anyone know more about the GTP coverage? We take your comments very seriously as they really help us to improve the site. 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. Probably. Additional Info Rates & Fees Amex Gold Card - Is It Worth it? The types of losses it covers: Youre covered for losses resulting from damaged, stolen or lost baggage, including both carry-on and checked bags. Terms apply. This site does not include all credit card companies or all available credit card offers that are on the market. Please view our advertising policy page for more information. 3X FOR FLIGHTS BOOKED WITH AIRLINES Dave Herholz (CC BY-SA 2.0) via Flickr Terms apply. Regardless, it's still a smart idea to have some protections in place, like baggage insurance. 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. including all round-trip and one-way travel along the way. I wrote this lengthy article on what American Express Membership Rewards points are worth. Prices will vary considerably based on the types of coverages selected, age, and limits of each coverage. Trip delay reimbursement requires the following documentation: Trip cancellation/interruption insurance requires slightly different documentation. 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. AmEx also places a $250 cap on the amount that it will reimburse for "high risk items" such as jewelry, cameras, sports equipment, computers or other precious metals. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion directly. 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. Related: Best credit cards for trip cancellation and interruption insurance. However, it is important to remember that the cost of the policy can add up quickly and it may not cover all potential issues that may arise during your travels. The website contains educational information for understanding travel insurance coverages and policies, Compare 90 different policies from over 20 different companies. If worrying about having to cancel your trip or having it disrupted during your journey is an issue, purchasing a travel insurance policy will definitely deliver some peace of mind, both prior to and during your trip. For an explanation of our Advertising Policy, visit. $155 Walmart+ Credit: Cover the cost of a $12.95 monthly Walmart+ membership with a statement credit after you pay for Walmart+ each month with your Platinum Card. This AmEx collision damage waiver, or CDW, covers damage and theft to the car you rent. Be sure to include the names of everyone in your party, flight confirmation number, flight numbers, travel dates and your contact information. 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