Your full information to journey safety on American Specific playing cards

Editor’s word: This can be a recurring submit, recurrently up to date with new info.

Quite a few American Specific playing cards provide journey protections that may take the headache out of your holidays. Nevertheless, the protection you get (and the bounds of mentioned protection) differ by card. Quite than making an attempt to recollect all of this by yourself, we’ll information you thru the journey protections supplied by American Specific playing cards.

This information gives a complete, detailed take a look at the number of journey protections supplied throughout the American Specific card portfolio. Every part outlines a kind of protection and the playing cards providing this protection. We additionally embody protection limits and any extra caveats to bear in mind.

Here is what you’ll want to learn about American Specific journey insurance coverage protection.

Journey delay insurance coverage

Journey delay insurance coverage covers you once you encounter journey delays. This may very well be a delayed flight as a consequence of mechanical points or an sudden in a single day as a consequence of a weather-related cancellation. Different causes are coated, however particular person insurance policies range in what they do and do not cowl. If the rationale in your delay just isn’t particularly talked about in your coverage, assume that it is not coated.

With journey delay safety, there are two totally different “ranges” of protection, relying on the cardboard you carry.

Stage 1: Greater-end playing cards

A few of American Specific’ prime merchandise provide 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 once you buy a ticket utilizing any of the next playing cards:

*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 knowledge 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.

Stage 2: Mid-tier playing cards

Different American Specific playing cards provide 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 embody this safety once 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 knowledge 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

Such a protection is for conditions during which your journey is canceled or interrupted (which means you began the journey however should finish it to return dwelling). Consequently, you are compelled to forfeit pay as you go, nonrefundable reservations. Once more, ensure that your coverage mentions your particular cause 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 cause, 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 embody this safety once 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 knowledge 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, 7 days every week for medical, authorized, monetary or different choose emergency companies coordination and help whereas touring greater than 100 miles from dwelling.*

The International Help Hotline coordinates companies however just isn’t the service supplier. Any third-party service prices could also be your duty.

Listed here are the playing cards that embody this safety once you use them to pay in your tickets:

*Eligibility and profit degree varies by card. Phrases, situations and limitations apply. Go to americanexpress.com/benefitsguide for particulars. Cardmembers are chargeable for the prices charged by third-party service suppliers.

**The knowledge 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 dwelling. With the Premium profit, emergency medical transportation help and associated companies could also be offered without charge.*

If accredited 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 duty.

Listed here are the playing cards that embody this safety once you use them to pay in your tickets:

*Eligibility and profit degree varies by card. Phrases, situations, and limitations apply. Go to americanexpress.com/benefitsguide for particulars. If accredited and coordinated by Premium International Help Hotline, emergency medical transportation help could also be offered without charge. In some other circumstance, cardmembers are chargeable for the prices charged by third-party service suppliers.

**The knowledge 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 typical service automobile (reminiscent of a aircraft, prepare, ship or bus) when the complete fare for a ticket on the journey (one-way or spherical journey) is charged to an eligible card.

This profit has two totally different “ranges” of protection, relying on the cardboard you carry.

Stage 1: Greater-end playing cards

A few of American Specific’ prime merchandise provide 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 is in extra of protection offered by the frequent service. 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 particular person, with a most of $10,000 combination for all coated individuals per coated journey.*

This safety turns into efficient once you buy a ticket utilizing any of the next playing cards:

**The knowledge 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.

Stage 2: Mid-tier playing cards

Different American Specific playing cards provide 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 frequent service.*

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 embody this safety once 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 knowledge 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 automobiles once you use an eligible card to order and pay for the complete eligible automobile rental and decline the collision injury waiver or comparable possibility supplied by the rental automotive firm. Notice that this product gives secondary protection and doesn’t embody legal responsibility protection. Not all automobile sorts or leases are coated, and geographic restrictions apply.

This profit has two totally different “ranges” of protection, relying on the cardboard you carry.

Stage 1: Greater-end playing cards

A few of American Specific’ prime merchandise provide automotive rental loss and injury insurance coverage of as much as $75,000 for theft of or injury to eligible rental automobiles.*

Listed here are the playing cards that embody this safety once you use them to pay for eligible leases:

Stage 2: Mid-tier playing cards

Different American Specific playing cards provide automotive rental loss and injury insurance coverage of as much as $50,000 for theft of or injury to eligible rental automobiles.*

Listed here are the playing cards that embody this safety once you use them to pay for eligible leases:

*Eligibility and profit degree varies by card. Not all automobile 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 knowledge 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 incorrect throughout a visit can assist cut back complications. To that finish, American Specific gives a number of journey protections throughout a lot of its card merchandise.

Protection limits inside the similar profit can range by the cardboard you have got, so seek the advice of your card’s detailed advantages at americanexpress.com/benefitsguide for full particulars.

Associated: Greatest American Specific playing cards