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Comparing travel protections with the Chase Sapphire Reserve and Amex Platinum

The Chase Sapphire Reserve and The Platinum Card® from American Express are two of the most popular travel rewards cards . After all, both cards offer valuable transferable rewards , lounge access and the ability to receive elite-like perks when booking hotels through Amex's Fine Hotels & Resorts program and Chase's Luxury Hotel & Resort Collection .

Like many of the top rewards cards , the Chase Sapphire Reserve and Amex Platinum Card also provide travel insurance when you use your card to book travel. In particular, these two premium travel rewards cards offer an excellent combination of trip insurance and bonus earnings on select travel purchases. So, in this guide, let's compare the travel insurance provided by these two cards.

Overview of the travel insurance provided by these cards

Chase Sapphire Reserve Amex Platinum Trip delay insurance Up to $500 per ticket when you're delayed by six-plus hours or overnight. Up to $500 per covered trip when you're delayed by six-plus hours, with a maximum of two claims per eligible card within a 12-month period.* Baggage delay insurance Up to $100 per day for up to five days when your baggage is delayed by six-plus hours. None. Trip cancellation/interruption insurance Up to $10,000 per person, up to $20,000 per trip Up to $10,000 per trip and up to $20,000 per card per 12-month period.* Auto rental collision damage waiver Primary insurance up to $75,000 for theft and collision damage. Secondary insurance up to $75,000 for theft, damage, loss of use and other fees.^ Emergency medical and dental benefit Up to $2,500 for emergency medical expenses, subject to a $50 deductible.

Up to $75 per day for up to five days for a hotel room after a hospital stay.

None. Emergency evacuation insurance Up to $100,000 when you pay for at least part of your common carrier travel with the card. Evacuation must be preapproved by the benefit administrator in order to be covered. Can be provided at no cost to you if coordinated through and approved by the Premium Global Assist Hotline.# Lost luggage reimbursement Up to $3,000 per person, with a $500 cap on jewelry and watches and a $500 cap on cameras and other electronic equipment. Up to $3,000 per person (up to $2,000 for checked luggage) when traveling on a common carrier, with a $1,000-per-person cap on high-value items. For New York state residents, there is a maximum of $2,000 per bag for each person with a $10,000 aggregate maximum for all covered bags and covered persons on the trip. The entire fare for your trip (one-way or round-trip) must be paid for with your eligible card for this benefit to take effect.† Roadside assistance Up to $50 per service event, up to four times per year. None. Travel accident insurance Up to $1 million loss of life common carrier insurance per person.

Up to $100,000 loss of life travel accident insurance per person.

* Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for details. Policies are underwritten by New Hampshire Insurance Company, an AIG Company. ^ Eligibility and benefit level varies by card. Not all vehicle types or rentals are covered, and geographic restrictions apply. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for details. Policies are underwritten by AMEX Assurance Company. Coverage is offered through American Express Travel Related Services Company, Inc. # Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for details. If approved and coordinated by Premium Global Assist Hotline, emergency medical transportation assistance may be provided at no cost. In any other circumstance, cardmembers are responsible for the costs charged by third-party service providers. † Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for details. Policies are underwritten by AMEX Assurance Company.

As you can see in the table above, the Amex Platinum doesn't provide baggage delay insurance , emergency medical and dental benefits , roadside assistance or travel accident insurance . For brevity, I won't discuss the types of insurance the Amex Platinum doesn't provide any further in this guide.

Instead, I'll compare the protections head-to-head for the types of insurance provided by both cards. You can find the guide to benefits for both cards as follows:

• Chase Sapphire Reserve benefits guide
• Amex Platinum benefits guide

And to learn more about both cards, check out our Chase Sapphire Reserve credit card review and Amex Platinum card review .

Related: Amex Platinum vs. Chase Sapphire Reserve: Which card is right for you?

Trip delay insurance

Trip delay insurance may provide reimbursement for reasonable expenses during a delay when traveling on a common carrier. Here's a comparison of the Chase Sapphire Reserve 's and Amex Platinum Card 's trip delay insurance.

*Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for details. Policies are underwritten by New Hampshire Insurance Company, an AIG Company.

As you may gather from the above table, the primary differences in trip delay coverage are:

• The Amex Platinum requires round-trip travel, which you must buy with your card (in whole or combination with other eligible methods).
• The Amex Platinum doesn't cover overnight delays that are less than six hours.
• The Amex Platinum caps your claims to two per 12-month period.
• The Amex Platinum covers traveling companions as long as you pay for their round-trip common carrier fares with your card.
• The Chase Sapphire Reserve explicitly covers delays due to strikes, while the Amex Platinum explicitly covers delays due to lost or stolen passports or travel documents.

Related: Chase paid for my $1,100-per-night hotel room thanks to built-in trip delay coverage

Trip cancellation/interruption insurance

Trip cancellation and interruption insurance may provide reimbursement for nonrefundable, prepaid trip expenses when you must cancel or alter a trip due to a covered situation. In some cases, you may be covered for additional expenses. Here's a comparison of the Chase Sapphire Reserve 's and Amex Platinum Card 's trip cancellation and interruption insurance:

* Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for details. Policies are underwritten by New Hampshire Insurance Company, an AIG Company.

As you can see in the above table and the related benefits guides, the primary differences in trip cancellation and trip interruption coverage are:

• The Amex Platinum requires round-trip travel , paid with your card (in whole or in combination with other eligible methods). Only travel expenses put on the card used for round-trip common carrier travel will be covered.
• The Amex Platinum may cover the cost to return home or rejoin the trip if your trip is interrupted.
• The Chase Sapphire Reserve may reimburse redeposit fees imposed by a rewards program if your trip is canceled or interrupted, as well as change fees and car positioning fees if your trip is interrupted.
• The Chase Sapphire Reserve covers more types of losses, including if your accommodation at your destination is made uninhabitable or your host at your destination dies or is hospitalized.
• The Amex Platinum excludes losses related to mental or emotional disorders unless hospitalized. The Amex Platinum also excludes losses that occur when you're intoxicated. The Chase Sapphire Reserve excludes any loss for any trip booked while on a waiting list for specified medical treatment.

Check out American Express' trip cancellation and interruption insurance coronavirus frequently asked questions if you're wondering whether the Amex Platinum's insurance will cover coronavirus -related cancellations or interruptions.

Related: Be careful: Avoiding outbreaks isn't covered by most travel insurance

Auto rental collision damage waiver

The collision damage waiver offered by both cards can cover your rental car if you're in an accident or if it's stolen or damaged. Here's a comparison of the Chase Sapphire Reserve 's and Amex Platinum Card 's rental car insurance.

^ Eligibility and benefit level varies by card. Not all vehicle types or rentals are covered, and geographic restrictions apply. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for details. Policies are underwritten by AMEX Assurance Company. Coverage is offered through American Express Travel Related Services Company, Inc.

As you can see in the above table and the related guide to benefits, the primary differences in car rental collision damage protection are:

• The Chase Sapphire Reserve covers more types of vehicles.
• The Chase Sapphire Reserve provides primary coverage.
• The Chase Sapphire Reserve doesn't have country exclusions.
• The Amex Platinum offers coverage to spouses when payment is made with an eligible card.
• While the Amex Platinum coverage specifically mentions peer-to-peer rentals, it's unlikely your Sapphire Reserve would cover Turo rentals .

If you'd prefer to get primary coverage for rental cars when using American Express cards , you can enroll in American Express' Premium Car Rental protection .

Related: 11 common rental car mistakes — and how to avoid them

Emergency evacuation and transportation insurance

The emergency evacuation and transportation insurance provided by these cards can arrange and pay for necessary emergency medical transport and evacuation under eligible circumstances. Here's a comparison of the Chase Sapphire Reserve 's and Amex Platinum Card 's emergency evacuation and transportation insurance.

# Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for details. If approved and coordinated by Premium Global Assist Hotline, emergency medical transportation assistance may be provided at no cost. In any other circumstance, cardmembers are responsible for the costs charged by third-party service providers.

As you can see in the above table and the related guide to benefits, the primary differences in the emergency medical evaluation benefit are:

• You're covered by the Amex Platinum even if you use another card to purchase your common carrier fare, whereas you must at least partially pay with the Chase Sapphire Reserve or associated rewards to be covered.
• The Chase Sapphire Reserve has stricter requirements for trip length.
• Both cards offer additional benefits that can bring a family member to your side or return now-unaccompanied minors home.

Related: A Medjet medical transport membership is different than travel insurance. Here's why you need both

Lost luggage reimbursement

The lost luggage benefit offered by both cards may reimburse you if your baggage is lost, damaged or stolen during a trip. Here's a comparison of the lost luggage reimbursement provided by the Chase Sapphire Reserve and Amex Platinum Card .

† Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for details. Policies are underwritten by AMEX Assurance Company.

As you can see in the above table and the related guide to benefits, the primary differences in lost luggage reimbursement are:

• The Amex Platinum explicitly notes that losses due to confiscation by TSA aren't excluded.
• The Chase Sapphire Reserve covers a broader selection of family members when you pay for their ticket using your card.
• The cards exclude different types of items and types of loss.

Related: Everything you need to know about Amex's baggage insurance plan

When should I use the Chase Sapphire Reserve vs. the Amex Platinum?

The Platinum Card from American Express earns 5 Amex Membership Rewards points per dollar spent on flights booked directly with airlines or with American Express Travel (on up to $500,000 of these purchases per calendar year, then 1 point per dollar) for an approximate 10% return based on TPG's valuations . The Chase Sapphire Reserve earns 10 Chase Ultimate Rewards points per dollar on hotels and rental cars purchased through the Chase Travel portal , 5 points per dollar on flights booked through this portal, 10 points per dollar on Lyft rides through March 2025 and 3 points per dollar on all other travel (bonus points earning comes into effect after exhausting the $300 annual travel credit ).

The Sapphire Reserve has an annual fee of $550 while the Amex Platinum Card has a $695 annual fee (see rates and fees ).

Related: Amex Membership Rewards vs. Chase Ultimate Rewards: Which is the best?

Despite the earning gap (which can sway one way or the other, depending on how you book your flights), you may want to use the Chase Sapphire Reserve when booking some common carrier travel. I recommend checking out the guide to both cards' benefits and considering which card is best for your travel expenses. To help, here are some reasons to consider each card.

Reasons to use the Chase Sapphire Reserve

• Offers a baggage delay benefit , an emergency medical and dental benefit, and roadside assistance up to $50 up to four times a year.
• Only a portion of your travel expenses must be charged to your card to unlock most benefits (whereas the Amex Platinum generally only provides benefits when you charge the entire common carrier fare to your card).
• No requirement for round-trip travel.
• Provides trip delay benefits if you're delayed overnight for less than six hours.
• Provides primary car rental coverage.
• Offers travel accident insurance (although the Amex Platinum provides some travel accident insurance on car rentals).
• Includes strikes as an eligible reason for trip delay insurance.
• May reimburse redeposit fees imposed by a rewards program under trip cancellation/interruption insurance .

OFFICIAL APPLICATION LINK: Chase Sapphire Reserve

Reasons to use the Amex Platinum

• Provides an emergency medical evacuation benefit to cardmembers regardless of whether you charged any trip expenses to the card.
• Covers traveling companions for trip delay insurance and trip cancellation/interruption insurance when you purchase their round-trip fare with your card.
• May reimburse additional transportation expenses to rejoin the common carrier covered trip or return to the place of origin; also may cover the purchase of tickets for a new departure, under trip interruption insurance.
• Includes lost or stolen passports or travel documents as an eligible reason for trip delay insurance.
• Has a higher cap on high-value items for lost, damaged or stolen baggage.
• Some readers have found the claim process to be more straightforward and simple.

OFFICIAL APPLICATION LINK: The Platinum Card from American Express

Bottom line

Some travelers who have both cards put their flights on the Amex Platinum to earn 5 points per dollar and put other travel expenses on the Chase Sapphire Reserve to earn 3 points per dollar and activate their trip cancellation and interruption protections.

You might want to keep the Amex Platinum primarily for Centurion Lounge access , hotel elite status and access to Amex Fine Hotels & Resorts , as well as nearly $1,500 in annual credits available to cardmembers.

However, you might want to avoid booking flights with the Amex Platinum because of the round-trip requirement and the lack of baggage delay protection . Instead, you'd prefer to use the Chase Sapphire Reserve for common carrier fares and other travel expenses .

Additional reporting by Ryan Smith.

For rates and fees of the Amex Platinum card, click here .

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American Express Travel Insurance Coverage Review – Is It Worth It?

Christine Krzyszton

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Table of Contents

Why purchase travel insurance, travel insurance and covid-19, american express travel insurance options, additional information, how american express travel insurance compares, the value of travel insurance comparison sites, final thoughts.

We may be compensated when you click on product links, such as credit cards, from one or more of our advertising partners. Terms apply to the offers below. See our  Advertising Policy for more about our partners, how we make money, and our rating methodology. Opinions and recommendations are ours alone.

We frequently discuss the travel insurance coverages that are offered complimentary on most credit cards . 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.

These complimentary coverages are useful and can offer more than adequate coverage for most trips. However, if you’re investing in an expensive trip or 1 that involves multiple travel providers, purchasing a comprehensive travel insurance policy is a prudent move. You’d also want a travel insurance policy if your trip has a complicated itinerary or if you’re anxious about the possibility of having to cancel any portion of the journey.

Additionally, it’s imperative that if you’re worried about having medical coverage while traveling, you’d want to purchase a travel insurance policy that provides medical coverage.

Fortunately, travel insurance is widely available, reasonably affordable, and simple to secure. 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.

American Express Travel Insurance , underwritten by AMEX Assurance Company, is one of those highly-respected, highly-rated, established companies offering comprehensive travel insurance solutions.

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.

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.

Policies are designed to cover disruption due to the reasons listed in the policy you purchased. These reasons consist of events that are unforeseen and unexpected.

Here are a few situations where travel insurance could cover your loss:

• You or a covered family member become ill and you must cancel your trip. Trip insurance can cover prepaid non-reimbursable expenses.
• You are injured in an accident during your trip and need to be evacuated to a hospital by air ambulance.
• You become ill during your trip and must return home versus continuing on your journey.
• Your flight is delayed or canceled and you must stay at a hotel and incur expenses for lodging and incidentals.

Whether you should purchase travel insurance or not is a personal decision. 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.

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 more tips on buying travel insurance in general, you’ll find valuable information in our guide to buying the best travel insurance .

Bottom Line: The longer, more expensive, and more complicated your trip, the greater the need for a comprehensive travel insurance policy.

When you purchase travel insurance and your trip is canceled, you expect to have coverage. However, not all cancellations are covered — only those specifically listed in your policy.

Once COVID-19 was declared a pandemic, it became a known event and therefore is not covered on travel insurance policies. While it’s 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.

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.

In order to have coverage for voluntary trip cancellations, you would need to purchase “Cancel for Any Reason Insurance” (CFAR) . CFAR is not a stand-alone insurance policy — it is an add-on coverage you select when you purchase a travel insurance policy or coverage you may be able to add to a travel insurance policy after purchase, within an initially specified timeframe.

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.

Additionally, there is a small window of time when you are able to purchase the coverage, including during your initial purchase or up to 10 to 21 days after the purchase, depending on the company.

While American Express Travel Insurance does not cover trip cancellation due to fear of contracting COVID-19, there may be coverage in certain circumstances. 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.

Additionally, if you become ill with the virus during your travels, you may have coverage under Travel Medical Protection. Terms and conditions apply.

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. Cancel for Any Reason Insurance must be purchased to cover these voluntary cancellations. 

American Express offers you 2 options when it comes to purchasing travel insurance. 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.

Coverage is worldwide except for where it would violate U.S. trade or economic sanctions. All permanent U.S. residents are eligible to purchase travel insurance with American Express.

Package Policy Options

American Express Travel Insurance offers 4 levels of travel insurance package policy plans — a Basic Plan, Silver Plan, Gold Plan, and Platinum Plan. Each has its own levels of coverage and associated premium cost.

Let’s take a look at the package policy offerings and pricing. We chose a week-long trip for a 40-year old that cost $3,000. Prices ranged from $59 to $208 to cover the entire trip.

With package policies, you can expect to find the following coverages. The limits of coverage differ based on the policy plan you select.

• Trip Cancellation/Interruption — Receive reimbursement for prepaid non-refundable expenses due to cancellation for covered reasons and additional costs if your trip is disrupted, also for covered reasons.
• Global Medical Protection — Receive worldwide emergency medical and dental coverage for the first 60 days of your trip and access to emergency evacuation/repatriation services.
• Travel Accident Protection — Receive coverage for accidental death/dismemberment from the time you leave on your trip until the time you arrive home.
• Global Baggage Protection — Coverage varies from $250 to $2,500 for lost luggage depending on the level selected. Baggage delay coverage starts from 3- to over 24-hour delays, depending on the policy plan selected.
• Global Trip Delay — Receive up to $300 per day, $1,000 per trip, depending on the level of coverage selected. Coverage is valid for delayed/canceled flights or involuntary-denied boarding.
• 24-Hour Travel Assistance — Have global access to planning and emergency assistance before and during your trip.

Bottom Line: American Express Travel Insurance offers 4 different levels of package policies, each comprising a collection of coverages most travelers look for. The plan you select and the level of coverage limits chosen determine the amount of the premium cost. 

Custom Select Coverage Options

If some of the coverages in the package plan are not important to you, you can select only the coverage(s) you want and pay accordingly. Perhaps, for example, you have a need for just medical coverage while traveling abroad. You have the option to select just that coverage.

This example shows the levels of coverage available and the associated premium costs. The Gold Plan selected offers up to $100,000 in emergency medical, up to $750 in emergency dental, and up to $100,000 in emergency evacuation/repatriation. The price of this plan would be $32 for the entire trip.

Bottom Line: Having the option to select only the coverages you want allows you to save money by not paying for coverages you don’t need. This is a key benefit of purchasing travel insurance through American Express Travel Insurance. Few travel insurance companies offer the option to purchase stand-alone travel medical coverage. 

Pricing By Age

Like most travel insurance companies, American Express Travel Insurance prices its products within age brackets. The price for coverage is the same for everyone in that specific age bracket.

Based on dozens of quotes obtained, pricing brackets were determined to be as follows:

• Age 17 to 40
• Age 41 to 65
• Age 66 to 70
• Age 70 to 80
• Age 81 or over

Knowing this upfront can help you determine if you’re at the beginning of the highest price bracket or the end. For example, if you are 40 years old, you’re going to pay less than a 41-year-old in the next pricing bracket but the same as a 17-year-old.

If you’re a senior and want to learn more about purchasing travel insurance in your 60s, 70s, and beyond , the tips in our article will help guide you in the right direction.

Bottom Line: Knowing a travel insurance company’s age pricing brackets can help you determine which company offers you the best value for your money.

Cancellations and Changes

Here is some information you should know about cancellations and changes to an American Express Travel Insurance policy.

• You can change or modify your policy prior to your trip.
• You can request a full refund within 14 days after receiving your policy documents. Some restrictions vary by state.
• If you have purchased American Express Travel Insurance and your trip was canceled due to COVID-19, you may qualify for a policy refund . Contact AMEX Assurance Company for details at [email protected]. Terms apply.
• Once your trip is completed, you cannot request a refund.

Hot Tip: Due to the overall decrease in travel, many travel insurance companies now allow you to cancel your travel insurance and receive a full refund or extend your policy without extra charges. 

To Other Travel Insurance Companies

When comparing other package policies to American Express Travel Insurance, the company’s premiums came up higher overall for this specific trip and traveler (1-week trip, 40-year-old, total value $3,000).

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. The coverage on the $102 Assistance USA plan above compares more with the Amex Gold plan at $157.

Prices will vary considerably based on the types of coverages selected, age, and limits of each coverage. We used policy comparison websites and found similar but not identical policies. With so many different coverage options, it’s difficult to compare apples to apples.

This is a very limited comparison — your results will be different based on your specific details. The most important factors to consider are that you’re purchasing from a highly-rated company, the coverages are a match for your needs, and the premium is one with which you’re comfortable paying.

To Credit Card Travel Insurance

The travel insurance coverages that comes complimentary on your credit card can serve to provide coverage for some trips. 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.

Credit card travel insurance coverage, however, is not a replacement for a comprehensive travel insurance policy , for these reasons:

• Most credit card travel insurance coverage is secondary and in excess of other coverage you might have. You’ll normally be working with 2 (or more) entities to get your claim resolved.
• Credit card travel insurance is administered by a third party, not by the issuing financial institution, thus making the claims process potentially redundant and complicated.
• You generally won’t find medical coverage on a credit card. The Platinum Card ® from American Express and the Chase Sapphire Reserve ® offer emergency medical evacuation and there is a small medical benefit on the Chase Sapphire Reserve card.
• Coverage limits are set on credit card travel insurance. Travel insurance policies can offer higher limit options.
• Credit card travel insurances have requirements such as purchasing the trip with the associated credit card.
• 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.

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. 

Because travel insurance is widely available and quite competitive, you may find drastic differences in the price you’ll pay between companies and policy offerings. Selecting a company is not difficult as there are dozens of reputable, highly financially-rated, established companies, but comparing policies is essential for getting the best value for your money.

One way to easily compare pricing and coverages is to utilize a travel insurance comparison site to narrow down the appropriate options for your situation.

Here are some of the most popular, easy-to-use comparison sites that only feature highly financially-rated travel insurance companies.

TravelInsurance.com

• Coverage is available instantly
• The comparison tool is easy to use
• The company has a “best price guarantee”

InsureMyTrip

• Calls are handled by licensed agents
• The website contains educational information for understanding travel insurance coverages and policies
• Features nearly 2 dozen companies

SquareMouth

• Compare 90 different policies from over 20 different companies
• Customer service receives high accolades
• Over 86,000 reviews

Bottom Line: Utilizing a travel insurance comparison website can help you quickly narrow your choices to policies that fit your needs and your budget. 

There is no doubt that American Express is a financially-stable, established, and well-respected travel insurance company.

One of the company’s strengths is that it offers the consumer the ability to purchase needed coverages separately , such as medical insurance for an international trip. The premiums for such coverage are also very competitively priced. 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.

One downside, especially in today’s environment, is that American Express Travel Insurance does not sell CFAR insurance. If this is important to you, you should attempt to find the coverage elsewhere by using comparison sites.

Another downside that may or may not be important is that American Express Travel Insurance does not sell annual or multi-trip policies. You must purchase a new policy for each individual trip.

Also, like several other travel insurance companies, high-risk adventurous activities may not be covered with American Express Travel Insurance. You might look to a company specializing in insuring these activities such as World Nomads .

If you want to make sure you’re purchasing from an established company and have specific coverages you’re more interested in than others, American Express Travel Insurance is a solid decision . For package travel insurance policies, you might be able to realize modest savings by shopping around, but you won’t go wrong with the company selection of choosing American Express Travel Insurance.

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. For more information, see our  Medical & Legal Disclaimers .

For rates and fees of The Platinum Card ® from American Express, click here .

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This bonus value is an estimated valuation  calculated by UP after analyzing redemption options, transfer partners, award availability and how much UP would pay to buy these points.

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American Express credit cards have emerged as one of the top card travel insurance options. After years of neglecting this aspect of their card benefits, they’re extremely competitive among other bank cards — particularly The Platinum Card® from American Express.

The Amex Platinum receives extra insurance less premium cards simply don’t have. Yes, it’s got a massive 100,000 point bonus after spending $6,000 in the first six months of account opening (read our post on common mistakes people make with Amex points to see how valuable they can be), but that’s a short-lived aspect of the card.

Let’s take a look at the Amex Platinum travel insurance — and learn how you can leverage the card for coverage on airfare, baggage, rental cars, and more. You can read our Amex Platinum review for a more well-rounded look at the card’s benefits.

Credit card travel protection benefits

When you pay for airfare with the best travel insurance credit cards , you can get automatic travel protection benefits at no extra charge. Chase and Amex offer fantastic features (while Citibank travel insurance is nonexistent, by the way).

Depending on the card, sometimes just paying the taxes and fees on an award flight will get you coverage. But the coverage you get can vary significantly by card. Enrollment required for select benefits.

Note: Amex stipulates that you must book with a “Common Carrier” to qualify for coverage. That just means you’ve booked an airline, a cruise ship, etc. You won’t be reimbursed if you book an under-the-table commute across Lake Okeechobee on your cousin’s fan boat.

Amex cards eligible for travel insurance

The best American Express cards are eligible for travel insurance. Here’s a table breaking down the most popular cards with the best coverage.

• The Platinum Card® from American Express
• The Business Platinum Card® from American Express (similar name but quite different from the regular Platinum card — read our Amex Business Platinum review )
• Delta SkyMiles® Reserve American Express Card
• Delta SkyMiles® Reserve Business American Express Card
• Marriott Bonvoy Brilliant™ American Express® Card
• Hilton Honors American Express Aspire Card

The information for the Hilton Aspire card has been collected independently by Million Mile Secrets. The card details on this page have not been reviewed or provided by the card issuer.

Here’s a list of the most popular cards with benefits a tier below the most premium cards:

• American Express® Gold Card
• American Express® Business Gold Card
• American Express® Green Card
• Business Green Rewards
• Delta SkyMiles® Platinum American Express Card
• Delta SkyMiles® Platinum Business American Express Card
• The Blue Business® Plus Credit Card from American Express

These cards don’t come with trip cancellation or interruption, and they have lower reimbursement caps for coverages like trip delay and baggage protection.

The Amex Platinum benefits are top of the food chain. Let’s get into the nitty-gritty.

Trip Interruption and Cancellation Insurance

With Amex Platinum Trip Cancellation Insurance, you’re are eligible for up to $10,000 per trip (with a maximum payout of $20,000 per 12-month period) for flight cancellations occurring due to a covered reason (such as inclement weather, jury duty, injury, illness, etc.). You must pay the full ticket with your card (award flight taxes and fees and Pay With Points tickets also eligible).

Trip Delay Insurance

If your trip is delayed more than six hours for a covered reason, you’ll get up to $500 for reasonable expenses (think meals, lodging, toiletries, etc.). Again, you must purchase your trip in full with your Amex Platinum — and paying taxes & fees on award flights or Pay With Points qualifies you for coverage.

Here are some examples of eligible reasons for which Amex will compensate you:

• Equipment failure (the plane wheels fall off, the engine won’t start, etc.)
• Inclement weather
• You lose your travel documents
• Your flight is hijacked

Note that this insurance is valid for round-trip flights only . However, the Amex Platinum benefits guide states:

The period of round-trip travel may consist of roundtrip, one-way, or combinations of roundtrip and one-way tickets with Common Carrier(s).

Rental Car Insurance

The Amex Platinum comes with secondary rental car insurance. That basically means that if your rental car is damaged or stolen, it’ll cover you for any expenses that remain after your personal insurance pays for everything that it covers. Or, if you purchased rental car insurance from the rental agency, Amex Platinum insurance will scoop up the remaining costs that it won’t cover.

However , you can enroll for free in the American Express Premium Car Rental Protection program , and that does offer primary rental car insurance. You’ll pay ~$25 (~$18 for California residents, ~$16 for Florida residents) per rental for up to 42 consecutive rental days (30 consecutive rental days for Washington State cardholders). If you’re renting for a few days, this is definitely worth purchasing.

Unless you’ve got any one of the best credit cards for car rentals . These come with primary rental car insurance for free.

Lost, Damaged, and Stolen Baggage Insurance

The Amex Platinum comes with various coverages in the event that your baggage is lost, stolen, or damaged by the common carrier:

• Up to $2,000 per person per trip for loss of checked baggage
• Up to $3,000 per person per trip for loss of carry-on baggage
• Up to $250 per person per trip for loss of high risk items (i.e. jewelry & electronics)
• Cap of $10,000 per trip for everyone on your itinerary.

High-risk items such as jewelry, electronic equipment, sports equipment, etc., are capped at $1,000 in total coverage. For things like cash, medical items, and contact lenses, you won’t be covered at all.

Delayed Baggage Insurance

Some cards will reimburse you in the event that your checked bags are delayed by more than six hours. If you arrive at your destination and your stuff doesn’t show up, you can go to the store and buy things to tide you over until your bag finally arrives (toiletries, clothes, and the like).

American Express completely ignores this fantastic feature. The Amex Platinum gives you none of this coverage. But read our post on the best credit card for baggage delay coverage to find a good one. This has saved me $500+ on a single trip in the past.

Premium Global Assist

 When you are at least 100 miles from home, you can call the Amex Platinum Premium Global Assist to help solve pretty much any hardship. For example:

• You can call for help finding a lost item — including luggage. Amex will pester the airline until you are satisfied
• You can tell Amex to contact a friend or family member during your trip if you can’t reach them yourself
• If you lose your wallet, you can tell Amex to cancel all your credit cards
• If you need emergency evacuation, Amex will arrange everything

Note that Amex may be able to cover your emergency expenses and transportation if you’re in an area with sub-par treatment.

Plus, if you’re in the trenches of your trip planning, they can help you iron out the tedious details. They’ll help you understand travel etiquette in the country you’re visiting, if there are any shots that are required/recommended, and tell you if you need any special visas for your trip. 

There are plenty of other things they can do, too. Their number is 1-800-345-2639.

FAQ: Things to consider with trip protection benefits

Because travel coverage is not the same across all cards, you’ll want to use the card that is best for your personal situation. Here are a few things that might factor into which card you use to pay for travel.

Will your airline elite status help if there’s a flight delay or cancellation?

Having airline elite status comes with perks that can help if you pay with a card like the Amex Platinum, which doesn’t have trip delay or cancellation insurance.

For example, some airlines offer passengers with elite status free same-day standby flights, so if your flight is delayed, you could switch to another flight without having to worry about filing a claim for a trip delay.

Similarly, if your flight is canceled, having elite status might give you a higher priority to get a seat on the next available flight. But consider if you’re traveling to a remote destination or region with unpredictable weather that it’s wise to pay with best travel insurance credit cards . If all flights are delayed or canceled, you could end up paying out of pocket for hotel rooms and necessary expenses. Having a card that gets you reimbursed is a great benefit.

Did you book an expensive cruise or tour?

Having trip interruption or cancellation insurance from a credit card can come in handy should you have to cancel an expensive trip for an eligible reason. For example, let’s say you pay for a family cruise to Alaska, but are unable to go due to a last-minute illness. If you paid with the Amex Platinum, it’s possible to get a refund for your trip up to a certain limit.

I recommend reading the terms and conditions of your card’s trip protection benefits before paying for a vacation. It’s important to know who is covered, the claims process, and the reasons you’re eligible to get a refund.

Do you have third-party travel insurance?

Many purchase travel insurance through a third-party company to cover trip delays, cancellations, and other unforeseen events. You can often bundle these coverages with a supplemental medical travel policy, which can be helpful if you’re traveling outside the U.S.

There are great resources on the web to research travel insurance policies . Keep in mind, travel insurance plans and coverage amounts can differ widely — but purchasing a third-party plan can be helpful for folks who don’t pay for a trip with a card that comes with these benefits.

Bottom line

When you pay for a trip with Amex Platinum, you’ll receive trip delay insurance, as well as trip cancellation and interruption. These insurances make the card even more enticing to use for your travel, as you’ll earn 5x Amex Membership Rewards points on airfare purchased directly from airlines or from Amex Travel . Read our post on the best ways to use Amex points to see why that’s such a big deal.

This isn’t even counting the other great perks that come with the card, like Amex purchase protection and a gigantic welcome bonus worth potentially thousands in travel. Line this card’s virtues against the wall and it’s easy to see why the American Express Platinu m card is worth it .

Have you used any of the Amex Platinum travel insurance? I’d love to hear about your experience in the comments. And subscribe to our newsletter for more credit card travel techniques.

For rates and fees of the Amex Platinum, click here.

Joseph Hostetler

Joseph Hostetler is a full-time writer for Million Mile Secrets, covering miles and points tips and tricks, as well as helpful travel-related news and deals. He has also authored and edited for The Points Guy.

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Benefits of the American Express Platinum Card

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The Platinum Card® from American Express is like a flashy suitcase overflowing with premium benefits for your travel experience.

It has a $695 annual fee, yes, but it also comes with a slew of valuable benefits that can easily make up for that cost, assuming you'll use them. From travel credits and airport lounge access to purchase protections and exclusive services, this card is all about luxury.

Here are the benefits of The Platinum Card® from American Express :

» MORE: Complete card details for the American Express Platinum

Points: Rewards on spending

The Platinum Card® from American Express earns Membership Rewards points , which offer flexible redemption options that vary in value.

1. A jet-setting welcome offer

The introductory offer can take your travel further: Earn 80,000 Membership Rewards® Points after you spend $8,000 on eligible purchases on your new Card in your first 6 months of Card Membership. Terms Apply.

» MORE: American Express card benefits you may not know you have

2. Big travel rewards

You earn ongoing Membership Rewards at the following rates:

5 Membership Rewards points per dollar on up to $500,000 spent per calendar year on flights booked directly with airlines or with American Express Travel.

5 points per dollar on prepaid hotels booked through American Express Travel.

2 points per dollar on other eligible travel expenses booked through American Express Travel.

1 point per dollar on all other purchases.

Terms apply ( see rates and fees ).

» MORE: NerdWallet review of the American Express Platinum

3. AmEx Offers

As a cardholder, you’re eligible to earn additional rewards or rebates in the form of a statement credit when you activate AmEx Offers and use your card to shop with specific merchants. Terms may apply, so read the fine print carefully to ensure you can collect an offer. Enrollment is required.

Perks: Goodies that come with the card

The Platinum Card® from American Express offers a long list of perks, most of which require you to use the card to qualify for them.

4. Up to $200 in annual credit for airline incidental fees

You can choose one qualifying airline to receive up to $200 per calendar year in statement credit when you enroll and charge incidental fees such as checked bags or in-flight refreshments to your card. Learn more about travel credits .

5. Up to $200 in Uber cash for rides

You’re automatically enrolled in Uber VIP status, which connects you with top-rated drivers. And you’ll get up to $15 monthly in Uber Cash for rides in the U.S. on your Uber account, plus a bonus of up to $35 in December. You must add your card as a payment method in the Uber app.

6. Up to $200 in annual hotel credit

You'll get a credit on prepaid bookings with American Express Travel at The Hotel Collection (two-night minimum required) or Fine Hotels + Resorts properties (more than 2,200 worldwide) when you pay with the card, up to $200 each calendar year.

7. Up to $300 Equinox credit

You'll get up to a $300 statement credit when you use the card to pay for an Equinox fitness club membership. Or it can be applied to Equinox+, an on-demand fitness app.

8. $300 SoulCycle credit

When you purchase a SoulCycle at-home bike, you'll receive a $300 statement credit. Enrollment is required, and you need to have an Equinox+ subscription to qualify.

9. Up to $240 in digital entertainment credit

This credit can be applied at $20 per month when using the card to pay for one of the following services: Peacock, Disney+, The Disney Bundle, ESPN+, Hulu, The New York Times and The Wall Street Journal, up to $240 per calendar year. Enrollment is required.

10. $199 Clear credit

This annual credit covers the cost of Clear , which uses biometrics to let members bypass part of the security line at airports and stadiums in some cities.

11. Reimbursement of application fees for TSA Precheck or Global Entry

You get a statement credit either once every four years for Global Entry or once every 4.5 years for TSA Precheck. Learn more about TSA Precheck and Global Entry . TSA Precheck costs $85, while Global Entry costs $100.

12. Up to $100 in statement credits annually at Saks Fifth Avenue

Receive this amount annually for purchases made in-store or online with your card. Credits are divvied up in $50 increments; one from January through June, and the other from July through December. Enrollment is required.

13. Walmart+ Monthly Membership Credit

Use the card to pay for a monthly Walmart+ membership and get reimbursed with statement credits for the full amount (up to $12.95 plus applicable taxes). Terms apply. A Walmart+ membership offers perks like free delivery on groceries, free shipping, savings on gas, returns from home and video streaming with Paramount+, among others.

Terms apply.

Lounge benefits

14. access to the american express global lounge collection at airports.

This portfolio includes Centurion Lounges , Delta Sky Clubs (when flying Delta only), Priority Pass Select , International American Express lounges, Airspace and Escape lounges. Enrollment required. Terms apply.

15. Centurion Lounge Complimentary Guest Access

Get complimentary guest access to a Centurion Lounge after spending $75,000 in eligible purchases in a calendar year. You can bring two guests per visit into locations of The Centurion Lounge in the U.S., Hong Kong International Airport and London Heathrow Airport. Terms apply.

Hotel-friendly benefits

16. upgrade to marriott bonvoy gold elite status.

You don’t have to do much work to earn this status. Simply enroll and you’ll be eligible for a 25% Marriott Bonvoy points bonus, an enhanced room at check-in (when available), 2 p.m. late checkout, free in-room Wi-Fi and more. Terms apply.

17. Upgrade to Hilton Honors Gold status

When you enroll in this status, you get room upgrades at select properties (when available), a complimentary fifth reward night on standard room reward stays of five nights or more, and 80% bonus points on all Hilton Honors base points. Terms apply.

18. Money-saving perks for stays booked through The Hotel Collection

If you book a stay of at least two consecutive nights with The Hotel Collection at over 600 properties, you can get a $100 hotel credit to spend on dining, spa and resort activities. You can also qualify for a room upgrade upon arrival depending on availability.

19. Complimentary benefits through Fine Hotels & Resorts

At over 1,300 properties, you can get a room upgrade (when available), daily breakfast for two, guaranteed 4 p.m. late checkout, noon check-in (when available), complimentary Wi-Fi and an amenity credit valued at $100.

20. Free shipping with ShopRunner

Get unlimited free two-day shipping and free return shipping on qualifying items when you sign up for a ShopRunner membership using your card. Enrollment required.

21. Concierge service

You have 24-hour access to assistants for personal, travel or card-related needs. The service is free, but fees may apply for costs incurred to fulfill your requests.

22. Low fares through the International Airline Program

You and your travel companions could earn savings on International First, Business and Premium Economy Class tickets on over 20 participating airlines when you book through American Express Travel.

23. Savings with the Cruise Privileges Program

Use your card to book cruises of five nights or longer through American Express Travel and get up to $300 in shipboard credit per stateroom. Additional perks include exclusive amenities that vary per cruise line and one extra Membership Rewards points per dollar spent.

24. Car Rental Privileges

Get complimentary premium status for car rental programs like Avis Preferred, National Car Rental Emerald Club and Hertz Gold Plus Rewards when you enroll in Car Rental Privileges. You’ll be eligible to receive upgrades, discounts and priority service for your next car rental at participating locations, depending on availability, when you pay with the card. Terms apply.

25. Deals through the Amex Auto Purchasing Program

You’re connected with eligible dealers that accept American Express. Dealers on the auto purchasing program's website accept your card for at least $2,000 and up to the full purchase price of the car. These same dealers also offer a Guaranteed Savings Certificate on your configured car and in-stock cars that align with your preferences. Terms apply.

26. An extra point when booking Platinum Destinations Vacations

Get one extra Membership Rewards point per dollar spent with your card on an eligible vacation package booked through the Platinum Travel Service.

27. Additional value through the InCircle rewards program

Enroll your card into InCircle, a Neiman Marcus and Bergdorf Goodman rewards program, and you can earn a $100 point card every time you earn 10,000 InCircle points. Points cards can be used to shop at Neiman Marcus, Bergdorf Goodman, Last Call, Horchow and CUSP. Terms apply.

28. AmEx Carbon Emissions Tracker

Receive an estimate of your carbon emissions based on purchases made with the card, contribute monthly to carbon removal projects and get carbon reduction tips and information.

Access to unique experiences

29. the global dining access by resy.

Get access to exclusive reservations at popular restaurants, Priority Notify and a badge on your Resy profile that confirms membership to the Global Dining Access program.

30. Exclusive events

The “By Invitation Only” platform offers an open invitation to purchase tickets to exclusive events from sporting and fashion to dining, art and performances.

31. An open invitation to events with Membership Experiences

Get access to presale tickets, offers, special events and experiences in music, theater and sports, to name a few.

32. A better view with American Express Preferred Access

Get dibs on coveted seats and advance ticket sales for concerts, sports and entertainment events.

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Convenient features

33. no foreign transaction fees.

The Platinum Card® from American Express doesn’t charge foreign transaction fees, but you may experience limited merchant acceptance abroad. American Express cards aren’t as widely accepted internationally as Visa and Mastercard products. See NerdWallet’s best no foreign transaction fee cards.

34. Upgrade with points

Redeem Membership Rewards points for an airline ticket upgrade. The dollar amount of the upgrade will be charged to the card and points will be subtracted from your Membership Rewards to cover the expense as a credit. Terms apply.

35. No preset spending limit

The Platinum Card® from American Express doesn’t have a preset spending limit. You’ll still have a general limit, though, that fluctuates with changing factors such as your purchases and credit history. Regardless of how much you spend, you’ll have to pay it off in full every month.

36. A lower annual fee on additional cards

Add authorized users to your account and earn Membership Rewards points for all qualifying purchases made by additional card members. The annual fee is $195 for every additional card. Terms apply.

37. CreditSecure

Enroll in CreditSecure with the card to receive fraud assistance services and monitoring for your credit and identity. You’ll pay $1 for the first 30 days and $16.99 per month thereafter.

Protections

Retail and travel, 38. cell phone protection.

Get reimbursed after paying to fix or replace a lost or damaged cell phone , up to $800 per claim, with a limit of two approved claims per 12-month period. To qualify, you must pay for the cell phone bill with the card and pay a $50 deductible for each approved claim. Terms apply.

39. Purchase protection

This benefit protects qualifying purchases made with your card if they’re accidentally damaged, stolen or lost for up to 90 days from the purchase date. Coverage includes up to $10,000 per incident for up to a maximum of $50,000 per year. Learn more about purchase protection.

40. Return protection

If a merchant won’t take an item back within 90 days, American Express may refund you the value up to $300 item purchased with your card (for a maximum of $1,000) per year. The benefit doesn’t cover costs for shipping and handling. Learn more about return protection.

41. Extended warranty

Get up to an extra year added to an original manufacturer’s warranty of five years or less when you use the card to pay for qualifying purchases. Terms apply. Learn more about extended warranty protections.

42. Baggage insurance plan

If your luggage is lost, damaged or stolen, this plan covers you up to $2,000 for checked bags and up to a combined maximum of $3,000 for checked and carry-on baggage. You have to pay for the entire fare with your card to be covered. Terms apply.

43. Car rental loss and damage insurance

This benefit offers secondary coverage for a rental car that is damaged or stolen. To qualify, you must pay for the rental car with your card and decline the collision damage waiver. Exclusions and terms apply. Learn more about rental car coverage provided via cards.

44. Premium Car Rental Protection

When you enroll and purchase Premium Car Rental Protection with the card and pay for rental charges with the card, you’ll be charged a flat rate per rental for up to 42 consecutive days and receive primary rental coverage. The flat rate also applies to rentals of eligible luxury cars, SUVs and pickup trucks. Terms apply.

45. Trip delay insurance

Pay for a round trip with the card and get covered if your trip is delayed by more than six hours for a qualifying reason. Trip delay insurance will reimburse certain expenses made with the card (up to $500 per trip) that result from the delay. Examples of expenses include meals, lodging, toiletries, medication and personal use items, to name a few. You’ll get a maximum of two claims per eligible card for every 12-month period.

46. Trip cancellation and interruption insurance

When you purchase a round trip with the card and the trip is interrupted or canceled for a qualifying reason, the insurance will reimburse non-refundable expenses made with the card. Coverage applies on up to $10,000 per trip and up to $20,000 per eligible card per consecutive 12-month period. Terms apply.

Emergency services: Assistance 24 hours a day

47. premium global assist hotline.

If you’re traveling farther than 100 miles from home, American Express offers around-the-clock medical, legal, financial or other select emergency and assistance services. This benefit may also provide emergency medical transportation assistance. You may be responsible for any costs charged by third-party service providers.

More about the card

Complete card details for The Platinum Card® from American Express

NerdWallet review of The Platinum Card® from American Express

Cell phone protection

Coverage for a stolen or damaged eligible cellular wireless telephone is subject to the terms, conditions, exclusions and limits of liability of this benefit. The maximum liability is $800, per claim, per eligible card account. Each claim is subject to a $50 deductible. Coverage is limited to two claims per eligible card account per 12 month period.

Eligibility and benefit level varies by card. Terms, conditions and limitations apply.

Please visit Travel and Retail American Express Card Benefits | AmEx for more details.

Underwritten by New Hampshire Insurance Company, an AIG Company.

Purchase protection

Purchase protection is an embedded benefit of your card membership and requires no enrollment. It can help protect covered purchases made on your eligible card when they’re accidentally damaged, stolen, or lost, for up to 90 days from the covered purchase date. The coverage is limited up to $10,000 per occurrence, up to $50,000 per card member account per calendar year. Coverage limits apply.

Underwritten by AMEX Assurance Company.

Return protection

With return protection, you may return eligible purchases to American Express if the seller won't take them back up to 90 days from the date of purchase. American Express may refund the full purchase price excluding shipping and handling, up to $300 per item, up to a maximum of $1,000 per calendar year per card account, if you purchased it entirely with your eligible American Express® Card. Purchases must be made in the U.S. or its territories.

Extended warranty

When an American Express® card member charges a covered purchase to an eligible card, extended warranty can provide up to one extra year added to the original manufacturer’s warranty. Applies to warranties of five years or less. Coverage is up to the actual amount charged to your card for the item, up to a maximum of $10,000; not to exceed $50,000 per card member account per calendar year.

Baggage insurance plan

Baggage insurance plan coverage can be in effect for covered persons for eligible lost, damaged, or stolen baggage during their travel on a common carrier vehicle (e.g. plane, train, ship, or bus) when the entire fare for a ticket for the trip (one-way or round-trip) is charged to an eligible card. Coverage can be provided for up to $2,000 for checked baggage and up to a combined maximum of $3,000 for checked and carry-on baggage, in excess of coverage provided by the common carrier. The coverage is also subject to a $3,000 aggregate limit per covered trip.  For New York State residents, there is a $2,000 per bag/suitcase limit for each covered person with a $10,000 aggregate maximum for all covered persons per covered trip.

Car rental loss and damage insurance

Car rental loss and damage insurance can provide coverage up to $75,000 for theft of or damage to most rental vehicles when you use your eligible card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the commercial car rental company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply.

Underwritten by AMEX Assurance Company. Car rental loss or damage coverage is offered through American Express Travel Related Services Company, Inc.

Trip delay insurance

Up to $500 per covered trip that is delayed for more than 6 hours; and two claims per eligible card per 12 consecutive month period.

Trip cancellation and interruption insurance

The maximum benefit amount for trip cancellation and interruption insurance is $10,000 per covered trip and $20,000 per eligible card per 12 consecutive month period.

Eligibility and benefit level varies by card.

Terms, conditions and limitations apply. Please visit Travel and Retail American Express Card Benefits | AmEx for more details.

American Express® Gold Card

Access over $400 annually in benefits value with the American Express® Gold Card on eligible dining and travel purchases. Learn more here.

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RBC Visa Platinum

Card Details

Purchasing power

Your Visa Platinum card offers a credit limit up to $50,000.

No Annual Fee

No annual fee and a free additional card

Save and Earn Faster with RBC Offers

Load personalized offers for great brands before you shop to get cash savings or to earn bonus points faster.

Premium insurance coverage

Additional Features

Instant Fuel Savings at Petro-Canada

Earn more Be Well points at Rexall

• Enjoy unlimited deliveries with $0 delivery fees on orders of $15 or more when you pay with your eligible RBC credit card

Credit Card Lock

You can lock your RBC credit card temporarily at any time. Use Credit Card Lock if you’ve misplaced your card, simply log in to the RBC Mobile app and choose the card you want to lock. Learn More

Optional Extras

Optional Add-On Services

Take advantage of all the benefits your credit card has to offer by adding optional services to protect your identity, your family, and your credit card balance:

Add-on Travel Insurance

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Maybank Islamic Ikhwan American Express Platinum Card-i

Earn Cash Back & Treatspoints

Annual fee:

Lifetime-fee-waiver

Minimum annual income:

More Rewarding & Eco-Friendly!

Presenting the new Maybank Islamic Ikhwan American Express Platinum Card-i which is tailored specifically #ForYou! You can now earn 8% Cash Back on online spend every month, collect TreatsPoints and receive Welcome Gift when you apply and spend with the card.

Most importantly, this is an eco-friendly card that is made of bio-sourced polylactic acid (PLA) material, which is extracted from non-edible corn - as a plastic substitute that reduces carbon emission and drive a sustainable future for all.

Apply yours today, and enjoy the benefits!

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With this card, you get these benefits:

• Lifetime fee waiver
• Non-compounding charges
• Balance Transfer facility
• Express AutoPay facility
• American Express Global Experiences ("https://experiencesbenefits.com/my")

Effective 15 April 2016, the following revisions will take effect for Maybank / Maybank Islamic Credit Cards and American Express Card. 

Maybank reserves the right to revise the Maybank Card Benefit, fee & charges as and when it deems necessary, with 21 days prior notice.

Important Notice

We wish to inform you that effective 22 May 2024, the air miles conversion rate will be revised per the table below

How To Apply?

Apply for Maybank Islamic Ikhwan American Express Platinum Card-i now.

Who can apply?

• Malaysians with a minimum annual income of RM40,000
• Principal cardholders: those between 21 to 65 years old
• Supplementary cardholders: 18 to 65 years old

Required documents

Please include the following with your application form:

Principal Cardholder

If you are salaried employee:

• Copy of NRIC (both sides) or Passport
• Latest 3 months' salary slips
• Latest 6 months' savings account activity/current account statements

If you are self-employed:

• Income Tax Return (Form B/Latest EA form)
• Copies of Business Registration Certificate/Trading License/ Form 9, Form 24, Form 49
• Latest 6 months' company/personal Bank Statements

If you are an expatriate:

• Letter from employer confirming duration of employment contract in Malaysia

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All you need to do is apply for a Maybank/Maybank Islamic Credit Card via the MAE app/M2U web. Then, be the first 100 spenders to make a single transaction (no min. spend) within the campaign month to win the cashback! T&C apply.

Campaign Period: 15 January - 14 March 2024

Marilah bersama-sama #KongsiKebaikan

Discover all the exciting deals to get you Raya-ready, all in our city of goodness built #ForYou! Variety of bargains, incredible prizes to be won and many more!

Find Out More

Apply for the Maybank Singapore Airlines KrisFlyer American Express® Credit Card, spend and get up to 27,000 KrisFlyer Miles! 

Gain exclusive privileges such as complimentary access to Plaza Premium Lounges, car rental services with Hertz or Avis, dining deals at Marriott Bonvoy Malaysia and Shangri-La KL restaurants, Fastrack VIP Meet & Greet services, complimentary green fees at golf courses around the world, and more! Terms and conditions apply.

Campaign Period: 20 February 2023 – 20 June 2023

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Turn everyday purchases into extraordinary journeys

Discover all the ways you can make the most of your Scotiabank®* Platinum American Express® Card, all in one place.

How to earn Scene+ points

Your Scotiabank Platinum American Express Card gives you automatic membership to the Scene+™* rewards program. From travel to entertainment, shopping, dining, and statement credits, the Scene+ rewards program gives you something to look forward to every time you use your Card to make everyday purchases. 12

Double the points

Earn 2 Scene+ points for every $1 on all eligible purchases made with your Card. 13

Get ready to take off with Scene+ Travel 14

Use your Scene+ membership card when you book eligible hotels, car rentals and things to do through Scene+ Travel, Powered by Expedia, and you’ll earn 3 Scene+ points for every $1 spent. 15

Earn points faster

Combine the power of your Card with your Scene+ membership to earn points faster at rewards partners like Cineplex ◊ , Scene+ Travel, Powered by Expedia 14 , Scene+ Rakuten®**, participating grocery stores and 700+ restaurants to earn Scene+ points faster. Your points will never expire as long as you have your Card. 16

Track your points

You can track the Scene+ points you earn online with:

• The Scene+ app
• The Scotia mobile app
• ScenePlus.ca
• Scotiabank online banking

How to redeem Scene+ points

With the choice to redeem points for travel, gift cards, technology, entertainment, and more, you get the flexibility to redeem your points for what you want. Treat yourself or your loved ones with rewarding experiences and exclusive offers through Scene+.

With Scene+, you can book travel with any travel provider, site, or operator. To help cover trip costs, just redeem your Scene+ points towards your travel purchase within 12 months. 17

How to redeem your points:

• Book eligible travel using your Card
• Wait for your travel purchase to be posted to your Card
• Sign in to ScenePlus.ca and redeem your Scene+ points (minimum 5,000 points) towards the travel purchase 17

To learn more on how to apply Scene+ points to travel, visit ScenePlus.ca or call 1-866-586-2805 .

Shopping and gift cards

Shop online with Scene+ Rakuten®** and earn up to 20% more cash back in points for eligible online purchases with select retailers. 18 You can also choose to redeem for the latest in tech through the Apple and Best Buy™** catalogues or for gift cards at more than 60 national retailers.

Points for credit

Use the points for credit option to receive a statement credit on your Scotiabank Platinum American Express Card account. 19

Redeem points at over 800 restaurants including Swiss Chalet ‡ , Harvey’s ‡ , Montana’s ‡ and more. 20

Redeem points at Cineplex Theatres ◊ , Cineplex Store ◊ , The Rec Room ◊ , and Playdium ◊ . 21

Download the Scene+ App

The Scene+ app gives you access to unique rewards, exclusive offers, contests, and more. Free on the App Store and Google Play.

Get in touch

General card inquiries:

• In Canada and the U.S.  1-888-860-5477  (24 hours a day, 7 days a week)
• All other areas (collect)  416-701-7810

In case of medical emergency:

• Scotia Assist 1-877-391-7507
• All other areas (collect)  416-572-3636

Emergency card replacement:

• In Canada and the U.S.  1-888-860-5477   (24 hours a day, 7 days a week)

TeleScotia Telephone Banking:

• In Canada and the U.S.   1-800-267-1234

Rewards information, concierge, and travel service:

Visit ScenePlus.ca

• Rewards and redemption   1-866-586-2805  (Monday – Sunday 8 am to 11 pm ET)
• Concierge Service, call   1-866-586-2805   and follow the voice prompt (Monday – Sunday 8 am to 11 pm ET)
• Scene+ Travel 1-800-419-8586 (24 hours a day, 7 days a week)

ABM Access:

Worldwide look for machines displaying the Interac **, American Express or LINK symbols

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Scene+ points may be earned and redeemed on food and drink (excluding alcoholic beverages) at Cineplex® theatres including concessions, Outtakes®, YoYo’s Yogurt Café®, Pizza Pizza®, Poptopia®, Starbucks®, Cineplex VIP™ Lounges and in-seat dining. Only one Scene+ membership card can be used per purchase. Cineplex®, Outtakes®, Poptopia® and Cineplex VIP™, owned by Cineplex Entertainment LP, used under license. YoYo’s Yogurt Café®, owned by YYC Franchise Corporation, used with permission. Pizza Pizza®, owned by Pizza Pizza Royalty Limited Partnership, used with permission. Starbucks®, owned by Starbucks Corporation, used with permission.

The Rec Room

Scene+ members can redeem Scene+ points in multiples of 1,000 points per ten-dollar ($10.00) discount off the net purchase price (excluding taxes, alcohol, and gratuity), shown on the receipt at The Rec Room locations, to a maximum of 35,000 Scene+ points ($350.00) per cheque. By way of example only, if your net purchase price is $104.59, you will be able to redeem ten thousand (10,000) Scene+ points, for a $100.00 reduction in your bill.

Scene+ members can redeem 100 points for $1.00 towards the purchase of admission tickets, applicable taxes, and fees.

Members can redeem SCENE Points in multiple of 500 Points per five-dollar ($5.00) discount off the net purchase price (excluding taxes, alcohol, and gratuity), shown on the receipt at select Playdium locations, to a maximum of 35,000 SCENE Points ($350.00) per bill. By way of example only, if your net purchase is $104.59, you will be able to redeem ten thousand (10,000) SCENE Points, for a $100.00 reduction in your bill.

Scene+ and the Icon Design are trademarks of Scene Plus IP Corporation, used under license.

Apple is a trademark of Apple Inc., registered in the U.S. and other countries and regions.

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Platinum Travel Insurance

Comprehensive worldwide travel insurance for you, your immediate family, your Supplementary Platinum Members and their immediate family, from the moment you book with your Platinum Card® 

View  FAQs  for travel insurance coverage in relation to Covid-19.

IMPORTANT INFORMATION: Descriptions of the Platinum Card insurance coverages are provided on this Web site for informational purposes only. The Terms and Conditions provide complete coverage information and supersede all other sources.

If you cancel a trip

Covers the costs of unused travel, accommodation, excursions and leisure activities that have been paid for or pre-booked and are non-refundable, or if you are charged a fee to change your trip, up to S$10,000, if you cancel or postpone your trip due to:

(a) you, or your Close Relative, or a person you are traveling with, or a person you are visiting for the main purpose of the trip, having an accident or being taken ill before the trip.

(b) you being subpoenaed as a witness other than in a professional or advisory capacity. Reimbursement will be for claimed expenses which have been charged to your Card.

Key exclusions & limitations

• a) Claims less than S$150.
• b) Claims arising directly or indirectly from circumstances known to the Insured Person prior to booking his Trip.
• c) Claims arising from any condition (i) for which a Doctor was consulted or for which treatment or medication was prescribed or (ii) the manifestation or symptoms of which a reasonable person in the circumstances would be expected to be aware of, prior to the Insured Person booking his Trip or his Card Commencement Date, whichever the more recent.
• d) Additional costs incurred if the Insured Person fails to notify the providers of his travel, accommodation, excursions and leisure activities immediately if it is necessary that he cancels his Trip.
• e) Claims where the Insured Person is unable to supply a medical certificate from a Doctor confirming the medical condition which made it necessary to cancel his Trip.

If you cut short a trip

Covers the costs of unused travel, accommodation, excursions and leisure activities that have been paid for or pre-booked and are non-refundable of up to S$10,000, if you cut short your trip due to you, or your Close Relative, or a person you are traveling with, or a person you are visiting for the main purpose of the trip, having an accident or being taken ill before the trip. It also provides cover for any reasonable travel expenses (on the same basis as the original booking) for you to return to your Country Of Residence. Reimbursement will be for claimed expenses which have been charged to your Card.

• b) Claims arising directly or indirectly from circumstances known to the Insured Person prior to leaving on his Trip.
• c) Additional costs incurred if the Insured Person fails to notify the providers of his travel, accommodation, excursions and leisure activities immediately if it is necessary that he cuts short his Trip.
• d) Claims where the Insured Person is unable to supply a medical certificate from a Doctor confirming the medical condition which made it necessary to cut short his Trip.

If you experience a delay on your journey

Up to S$400 per person (S$800 per family) for additional travel, refreshment and accommodation costs prior to your actual departure if your flight is delayed, cancelled or overbooked and no alternative flight is made available within 4 hours.

• a) Additional costs where the airline has offered alternative travel arrangements and this has been refused.
• b) Private charter flights where the Insured Persons are the only passengers.
• c) Where an Insured Person voluntarily accepts compensation from the airline in exchange for not traveling on an overbooked flight.
• d) Where no costs are incurred in relation to additional travel, refreshment and/or accommodation.
• e) Failure to provide appropriate receipts in relation to additional travel, refreshment and/or accommodation.

If your travel documents, money or belongings are lost or stolen

a. an Insured Person’s money or travel documents kept on his person at all times, locked in a safe or in a locked storage area of a vehicle are lost, stolen or damaged, We will reimburse him:

i. up to S$1,250 for his loss, if he is aged 16 years and above;

ii. up to S$100 for their loss, he is aged below 16 years.

b. an Insured Person’s personal belongings other than money and travel documents (whether taken along or purchased on their Trip) are lost, stolen or damaged, We will reimburse him the replacement or repair cost of any item:

i. up to S$1,500 per item or any pair or set of items which are complementary or used together;

ii. up to S$1,500 in total for valuables including jewelry, watches, precious metals and precious stones.

• a) If an Insured Person’s personal belongings are lost, stolen or damaged during a Trip, We will provide advice and assistance Insured Person to return to his Country Of Residence. To obtain such assistance, the Insured Person must contact Us at the designated telephone number. Assistance may be provided by our appointed agent.
• b) Our total aggregate liability under this Section 7 is subject to an overall limit of S$12,500 per person per Trip.
• c) We will only reimburse an Insured Person for claimed expenses which have been charged to his Card (unless the establishment concerned refused to accept payment via the Card).
• Claims less than S$150. 
• Normal wear and tear.
• Lost, stolen or damaged personal belongings where the Insured Person has failed to take sufficient care of them or has left them unsecured or outside their reach. 
• Loss or theft not reported to the police or provider of travel or accommodation services within 48 hours and a report obtained.
• Damage to personal belongings whilst in the care of a transport provider which has not been reported within 48 hours and a report obtained. 
• Theft and damage of vehicles or items in a vehicle where there is no evidence of break in. 
• Any documents other than travel documents.
• Any documents other than travel documents. 
• Damage to fragile or brittle items. 
• Household goods. 
• Theft from a roof or boot luggage rack, other than theft of camping equipment. 
• In respect of money, any shortages due to errors and currency fluctuations. 
• Watches, jewelry, cameras, video cameras and computer equipment in checked-in baggage.

If you become ill or have an accident while traveling

Covers your money or travel documents kept on you at all times, locked in a safe or in a locked storage area of a vehicle during your trip which are lost, stolen or damaged:

(i) up to S$1,250 if you are aged 16 years and above;

(ii) up to S$100, if you are aged below 16 years.

It also provides cover for the replacement or repair cost of your personal belongings (whether taken along or purchased on your trip) during your trip which are lost, stolen or damaged:

(i) up to S$1,500 per item or any pair or set of items which are complementary or used together;

(ii) up to S$1,500 in total for valuables including jewelry, watches, precious, metals and precious stones. The total amount reimbursable is subject to an overall limit of S$25,000 per person per trip. Reimbursement will be for claimed expenses which have been charged to your Card (unless the establishment concerned refused to accept payment via your Card).

a)Claims less than S$150.

• b)Normal wear and tear.
• c)Lost, stolen or damaged personal belongings where the Insured Person has failed to take sufficient care of them or has left them unsecured or outside his reach.
• d)Loss or theft not reported to the police or provider of travel or accommodation services within 48 hours and a report obtained.
• e)Damage to personal belongings whilst in the care of a transport provider which has not been reported within 48 hours and a report obtained.
• f)Theft and damage of vehicles or items in a vehicle where there is no evidence of break in.
• g)Any documents other than travel documents.
• h)Damage to fragile or brittle items.
• i)Household goods.
• j)Theft from a roof or boot luggage rack, other than theft of camping equipment.
• k)In respect of money, any shortages due to errors and currency fluctuations.
• l)Watches, jewelry, cameras, video cameras and computer equipment in checked-in baggage.

If you suffer serious injury on your trip

Provides assistance and benefits for medical treatment, transport hospital, travel home after treatment, dental treatment, friend or relative's visit, hospital cash benefit, extended stay, convalescence, dependant child's return home, replacement colleague, reimbursement of pre-paid expenses for winter sports, reimbursement of pre-paid expenses for golf, search and rescue. Reimbursement will be for claimed expenses which have been charged to your Card (unless the establishment concerned refused to accept payment via your Card), up to a specified limit for each benefit.

b)Costs not approved in advance by the Insurer.

c)Treatment that Our medical advisor considers can be reasonably delayed until the return of the Insured Person to his Country Of Residence.

d)Medical and dental treatment within his Country Of Residence.

e)Costs after the date Our medical advisor tells the Insured Person that he should return to his Country Of Residence.

f)Costs where the Insured Person has refused to follow the advice of the Insurer's medical advisor.

g)Treatment or costs incurred for cosmetic reasons unless the Insurer's medical advisor agrees that such treatment is necessary as a result of a medical emergency.

h)Treatment that was planned before the Insured Person’s Trip.

i)Treatment or costs for sexually transmitted diseases.

j)Costs directly or indirectly relating to HIV (Human Immunodeficiency Virus) or any HIV related illness.

k)Coffins or urns in excess of those which meet international airline standards.

l)Treatment that can be provided free or at a reduced cost by a state benefit provider or equivalent.

If you need Legal Assistance

If an accident occurs during your trip which results in death, total disablement or permanent loss within 365 days, you or your estate will be paid:

• if the accident occurred while you are not on a Public Conveyance, S$100,000;
• if the Accident occurred while you are on a Public Conveyance:

(i) S$500,000 for the Permanent Loss of any limb or of sight in one eye.

(ii) S$1,000,000 for death or Total Disablement or the Permanent Loss of any two Limbs or of sight in two eyes, or of speech or hearing.

For your Dependant Child under 16 years of age, he or his estate will be paid:

• If the accident occurred while he was not on a Public Conveyance, S$10,000;
•  If the accident occurred while he was on a Public Conveyance:

(i) S$50,000 for the Permanent Loss of any Limb or of sight in one eye.

(ii) S$100,000 for death or Total Disablement or the Permanent Loss of any two Limbs or of sight in two eyes, or of speech or hearing.

• a)Willful or intentional acts.
• b)Not following the Insurer's medical advisor’s advice or instructions.
• c)Participating in Special Sports.
• d)Engaging in paid work other than in a purely managerial or administrative capacity.
• e)Self-inflicted injuries except when trying to save human life.
• f)Injuries caused by negligence or failure to follow the laws and regulations of the country of travel.
• g)Phobias, emotional, mental or depressive illnesses of any type.
• h)Suicide or attempted suicide.
• i)Injuries or accidents which occur while under the influence of alcohol (above the local legal driving limit) or drugs unless prescribed by a registered medical practitioner.
• j)Pre-existing Conditions.
• k)Any condition or complication which arises solely from pregnancy, childbirth, miscarriage or abortion.
• l)Traveling against the advice of a Doctor.
• m)Industrial action which has commenced or has been announced prior to booking a Trip.
• n)Trips in, or booked to, countries where a government agency has advised against traveling or which are officially under embargo by the United Nations.
• o)Any fraudulent, dishonest or criminal act committed by an Insured Person or by anyone with whom he is in collusion.
• p)Confiscation or destruction of personal belongings by any Government, customs or public authority.
• q)Terrorist activities except whilst on a Public Conveyance.
• r)War, hostilities or participation in fighting (except in self-defense).
• s)Biological, chemical, nuclear or radioactive incidents.

Terms & Conditions

To view the full Terms and Conditions, click here