amex platinum uk travel insurance

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Full List of Travel Insurance Benefits for the Amex Platinum Card [2024]

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Table of Contents

Amex platinum card overview, car rental loss and damage insurance, trip cancellation and trip interruption insurance, trip delay reimbursement, baggage insurance, premium global assist hotline, filing a claim, final thoughts.

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Frequent travelers who are interested in premium travel benefits and solid reward-earning opportunities gravitate to The Platinum Card ® from American Express . The card, as well as The Business Platinum Card ® from American Express , has been the go-to card for meeting travelers’ earning, redemption, and benefits needs.

We frequently cover Membership Rewards points-earning opportunities , as well as a multitude of ways to maximize the redemption options . We’ve even done a deep dive into getting the most from statement credits offered by Amex cards.

Next up in our collection of articles focusing on the valuable perks that come with the Amex Platinum card is the card’s travel insurance benefits. Insurance can be inherently confusing in general and the insurance coverages that come with credit cards can be equally so.

Fortunately, even a quick overview will give you some insight as to the insurance coverages you can expect on the Amex Platinum card. So, right here and now, we’re stepping up to deliver just that.

Let’s take a look at exactly which insurances come with the card, how these benefits can provide a level of peace of mind, and find out what situations might trigger the coverage to provide economic value.

It’s important to have a little background on the card to put its coverage into context. Here are important card details, including the current welcome bonus and annual fee.

The Amex Platinum reigns supreme for luxury travel, offering the best airport lounge access plus generous statement credits, and complimentary elite status.

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When it comes to cards that offer top-notch benefits, you’d be hard-pressed to find a better card out there than The Platinum Card ® from American Express.

Make no mistake — the Amex Platinum card  is a premium card with a premium price tag. With amazing benefits like best-in-class airport lounge access , hotel elite status, and tremendous value in annual statement credits, it can easily prove to be one of the most lucrative cards in your wallet year after year.

• The best airport lounge access out of any card (by far) — enjoy access to over 1,400 worldwide lounges, including the luxurious Amex Centurion Lounges, Priority Pass lounges, Plaza Premium Lounges, and many more!
• 5x points per dollar spent on flights purchased directly with the airline or with AmexTravel.com (up to $500,000 per year)
• 5x points per dollar spent on prepaid hotels booked with AmexTravel.com
• $695 annual fee ( rates and fees )
• Airline credit does not cover airfare (only incidentals like checked bags)
• 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. Apply and select your preferred metal Card design: classic Platinum, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.
• Earn 5X Membership Rewards ® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards ® Points on prepaid hotels booked with American Express Travel.
• $200 Hotel Credit: Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts ® or The Hotel Collection bookings through American Express Travel using your Platinum Card ® . The Hotel Collection requires a minimum two-night stay.
• $240 Digital Entertainment Credit: Get up to $20 back in statement credits each month on eligible purchases made with your Platinum Card ® on one or more of the following: Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peacock, and The Wall Street Journal. Enrollment required.
• The American Express Global Lounge Collection ® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market. As of 03/2023.
• $155 Walmart+ Credit: Save on eligible delivery fees, shipping, and more with a Walmart+ membership. Use your Platinum Card ® to pay for a monthly Walmart+ membership and get up to $12.95 plus applicable taxes back on one membership (excluding Plus Ups) each month.
• $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Platinum Card ® .
• $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only. Terms Apply.
• $199 CLEAR ® Plus Credit: CLEAR ® Plus helps to get you to your gate faster at 50+ airports nationwide and get up to $199 back per calendar year on your Membership (subject to auto-renewal) when you use your Card. CLEARLanes are available at 100+ airports, stadiums, and entertainment venues.
• Receive either a $100 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 years for a TSA PreCheck ® (through a TSA official enrollment provider) application fee, when charged to your Platinum Card ® . Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
• Shop Saks with Platinum: Get up to $100 in statement credits annually for purchases in Saks Fifth Avenue stores or at saks.com on your Platinum Card ® . That's up to $50 in statement credits semi-annually. Enrollment required.
• Unlock access to exclusive reservations and special dining experiences with Global Dining Access by Resy when you add your Platinum Card ® to your Resy profile.
• $695 annual fee.¤
• Terms Apply.
• APR: See Pay Over Time APR
• Foreign Transaction Fees:  None

American Express Membership Rewards

Hot Tip:  Check to see if you’re eligible for a welcome bonus offer of up to 125k (or 150k) points with the Amex Platinum. The current public offer is 80,000 points. (This targeted offer was independently researched and may not be available to all applicants.)

The Amex Platinum card comes with complimentary standard car rental insurance that provides secondary coverage when using your card to reserve and pay for your entire rental car contract. You also have the option to purchase premium primary car rental coverage .

For either coverage to be valid, you must decline the rental car agency’s LDW (loss damage waiver) or CDW (collision damage waiver) coverage when renting the vehicle.

Here’s an overview of how both of these coverages work:

Standard Car Rental Coverage

Secondary (standard) coverage means that you must first file a claim with any other applicable insurance you might have before the card coverage applies.

You can expect to receive excess secondary coverage for these losses:

• Damage to and theft of the vehicle
• Personal property up to $1,000 per person/$2,000 per accident
• Accidental injury up to $5,000 per claimant
• Accidental death/dismemberment up to $300,000

This is just a snapshot of the standard secondary car rental coverage; several terms and conditions apply. You should access the official guide to benefits or call your benefits administrator for specific information.

Premium Car Rental Protection Coverage

One of the real car rental insurance perks of holding the Amex Platinum card is having access to Premium Car Rental Protection coverage for just 1 low fee that covers the entire rental period, not a per-day charge like the rental agency charges.

Although there are some credit cards with primary rental car insurance , the American Express Premium Car Rental Protection coverage, in some circumstances, can provide equal or better coverage and elevated peace of mind. Terms and conditions apply.

Bottom Line: Consider Amex Premium Car Rental Protection if you don’t have a credit card that provides primary car rental insurance. Additionally, if you are renting an expensive vehicle that exceeds your card’s limit of coverage or the maximum length of the rental period on your other card is limited to less than 42 days, the Amex Premium Car Rental Protection could also be a prudent choice. 

Trip cancellation and trip interruption insurance are designed to cover unexpected, unforeseen events that may cause you to have to cancel your trip or that cause a disruption in a trip you’re already started.

To be eligible for coverage, purchase your entire round-trip common carrier ticket with your Amex Platinum card.

American Express has a broad definition of who is covered under this benefit. Eligible travelers can include the cardholder, traveling companion, family member of the eligible traveler, or family member of the traveling companion.

Examples of events that could be covered include the following:

• Bodily Injury or Illness — If you, a traveling companion, or a family member of either, experience an accidental injury or become ill, causing you to cancel your trip, you may have coverage
• Bad Weather — If extreme weather causes your trip to be canceled or disrupted, there could be coverage
• Change in Military Orders —Applies to cardmember and/or spouse (spouse definition includes domestic partner)
• Terrorist action or hijacking
• Jury duty or other qualifying legal obligation
• Uninhabitable dwelling of either the cardmember or traveling companion
• Quarantine imposed by a physician for health reasons

You can expect coverage of up to $10,000 per trip , and a maximum limit of $20,000 per card per 12-month period.

Terms and conditions apply.

Bottom Line: While the trip cancellation/trip interruption benefit covers specifically stated reasons for trip cancellation/interruption, there is no coverage for voluntary cancellations, disruptions due to known events, or for preexisting conditions. Additional terms and conditions can be found in your guide to benefits or call the benefits administrator prior to your trip.

Experiencing a trip delay is inevitable so having coverage for added expenses as a result of that delay could be a welcome economic benefit. To qualify for trip delay coverage, just pay for the full amount of your common carrier round-trip transportation ticket with your Amex Platinum card.

The delay must be for more than 6 hours for you to be eligible for reimbursement for necessary incidentals, meals, and lodging.

Coverage limits are $500 per covered trip and a maximum of up to 2 covered trips in each consecutive 12-month period. Coverage is secondary to other coverage that applies and does not include expenses that are reimbursed by the airline or other entities. Additional terms and conditions also apply.

Losing a checked bag used to be a very common occurrence. With new technology and tracking mechanisms, however, incidents have declined, but they still happen. If you do happen to experience lost bags, however, you can count on the baggage insurance found on the Amex Platinum card.

To activate the coverage , simply pay for your common-carrier fare with your card and/or Membership Rewards points.

Here’s the coverage you can expect for lost luggage:

• Checked Bags — Up to $2,000 per covered person, per trip
• Carry-on Bags — Up to $3,000 per covered person, per trip
• Specialty High-value Items — Up to $1,000 per person, per covered trip ($2,000 for New York residents, maximum $10,000 per trip)
• Combined Limit — The limit for all baggage, including high-risk items, is $3,000 per covered person, per single trip

Checked baggage is covered only while traveling on a common carrier . Carry-on baggage is additionally covered while traveling to , from , and when waiting at the carrier terminal.

Note that the coverage on the card is secondary to any other insurance or reimbursement you might receive from the airline. There is no coverage for delayed baggage , but several other credit cards do offer this coverage .

While technically not insurance coverage, having access to help when you’re traveling, 24/7, is sure to provide additional peace of mind. The Amex Platinum card offers a premium version of a dedicated helpline that serves as a welcome resource should things go wrong during your travels.

Here are the types of assistance you can expect from the service:

Emergency Medical Transport and Evacuation — Complimentary Coverages

One of the premium services offered on the card is complimentary emergency medical transport or evacuation . If you or a covered family member becomes injured or ill during your travels, you could receive emergency medical transportation or evacuation , if necessary.

You can expect to receive the following services without charge when arranged via the hotline:

• Emergency Transport or Evacuation — Transport to the nearest medical facility or transport from an inadequate medical facility
• Transport of Family Member — Transport may be covered for an adult member to be by the bedside of the cardmember or for the cardmember’s minor child (who had been traveling alone with the cardmember) to be transported back to the U.S.
• Transport of Remains — Amex will pay for the transport of remains back to the U.S.
• Post-Evacuation Assistance — If you’re evacuated and your return ticket back to the U.S. has become invalid, Amex will arrange and pay for transportation back to the U.S.

Please note that the Premium Global Assist Hotline does not cover any medical expenses or emergency transportation services arranged outside of the hotline. Several terms and conditions apply to these coverages.

Additional Medical Assistance

In addition to the complimentary coverages offered by the hotline, you’ll find these additional medical services:

• Medical Referrals — Receive help finding an English-speaking doctor, a hospital, or other needed medical services
• Prescription Replacement Assistance — Get help with replacing lost or forgotten medications

There is no charge for the referral service but cardmembers are responsible for actual services received from the provider.

Other Hotline Services

• Passport/Visa Assistance — Whether you need help replacing a passport or have a need to contact the U.S. consulate, the hotline can assist
• Emergency Translation Services — Receive over-the-phone services or written language translation assistance
• Legal Referrals — Should you need legal services during your trip, the hotline can help you find local bail bond services that accept Amex or refer you to other legal personnel
• Financial Assistance — The hotline can help you arrange cash wire services, help you check out of your hotel remotely, or assist with lost card situations
• Emergency Message Relay — In the event of an emergency, the hotline can send a message to a family member, friend, or another recipient on your behalf
• Lost Items — Should you lose an item, your baggage gets lost, or other missing possession, the hotline can help track it down
• Trip Planning Services — Access information such as weather, currency exchange rates, passport/visa requirements, customs information, travel warnings, and more

Bottom Line: The Amex Platinum card comes with complimentary emergency transportation and evacuation services with no stated limit. Additional medical, legal, and travel service referrals are also complimentary, but other than the emergency medical transportation and evacuation, services rendered must be paid for by the cardholder. 

As with any insurance claim, you’ll need to report any event as soon as possible, provide supporting documentation, and follow up after the claim has been filed.

You could be expected to submit any, or all, of the following:

• Copies of your common carrier ticket
• Copies of your credit card statement showing the expenses
• Proof of the loss (i.e. a copy of physician’s quarantine order, military orders, etc.)
• Copy of the travel supplier’s cancellation policy
• Any other supporting documentation requested by the claims administrator

Claims must be reported within 60 days but it is best to do it as soon as possible. Once you report the claim, you’ll receive instructions for completing the next steps in the process.

Hot Tip: Be sure to take photos and videos, keep receipts, secure any applicable police report, and hold on to other documentation that might be needed to support your claim. Keep in mind that supporting information can be difficult to obtain after the fact but may be readily secured at the time of the claim. 

While the insurance that comes with the Amex Platinum card won’t take the place of a comprehensive travel insurance policy , you’ll find value in several of the benefits.

Utilizing Premium Car Rental Protection, trip cancellation/interruption, trip delay, and complimentary emergency medical transport or evacuation could save you more than you could imagine in certain circumstances.

Additionally, knowing the coverages you have in advance has tremendous value. You’ll be armed with information to make educated decisions that can protect each aspect of your trip and be better prepared for how you might handle a covered incident during your travels. If you’re looking for other card options, see our article on the best credit cards for 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 the car rental collision damage coverage benefit of The Platinum Card ® from American Express, 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. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car rental loss or damage coverage is offered through American Express Travel Related Services Company, Inc. For the trip cancellation and interruption insurance coverage benefit of The Platinum Card ® from American Express, 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. Visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company. For the trip delay insurance benefits of The Platinum Card ® from American Express, up to $500 per covered trip that is delayed for more than 6 hours; and 2 claims per eligible card per 12 consecutive month period. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company. For the baggage insurance plan benefit of The Platinum Card ® from American Express, 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. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. For the Premium Global Assist Hotline benefit of The Platinum Card ® from American Express, you can rely on the Global Assist Hotline 24 hours a day / 7 days a week for medical, legal, financial or other select emergency coordination and assistance services while traveling more than 100 miles away from your home. Plus, we may provide emergency medical transportation assistance and related services. Third-party service costs may be your responsibility. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for more details. If approved and coordinated by Premium Global Assist Hotline, emergency medical transportation assistance may be provided at no cost. In any other circumstance, Card members may be responsible for the costs charged by third-party service providers. 

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

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The Guide to AmEx Platinum Travel Insurance

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Table of Contents

When does the AmEx Platinum travel insurance kick in?

Amex platinum travel insurance benefits and limits, how to make an amex travel insurance claim, what if the card’s insurance benefits are insufficient, the platinum card® from american express travel insurance, recapped.

Travel insurance can provide peace of mind when you’re away from home, especially when you’ve spent significant money on your vacation. Although you can choose to buy a separate travel insurance policy, not everyone wants or needs to do so.

Many travel credit cards offer complimentary insurance for a variety of occurrences. The Platinum Card® from American Express offers travel insurance with a suite of benefits for eligible travelers, including coverage for trip interruption, rental car damage and lost luggage.

Let’s take a look at travel insurance on The Platinum Card® from American Express , its limits and the benefits it provides.

» Learn more: What is travel insurance?

So, does The Platinum Card® from American Express have travel insurance? The short answer to this is yes, but you’ll need to meet specific requirements for it to apply.

To get coverage from your card, you’ll need to use it to pay for your trip in its entirety. This is true whether you’re looking to utilize the trip insurance or the rental car insurance — you must pay for the full cost with The Platinum Card® from American Express .

Be aware of coverage limitations if you’re traveling using points or miles. While it’s possible to receive benefits when using your card to pay the taxes and fees on a reward redemption, coverage may not always apply.

You may still be covered for trip interruption, delay, and cancellation insurance when using points or frequent flyer miles.

However, rental car and baggage insurance only apply when you’ve used your card to pay for the full cost of whatever you’re buying — no points allowed. The exception is if you redeem American Express Membership Rewards to pay for some or all of the booking.

» Learn more: How does credit card travel insurance work?

We’ve included a breakdown of all the insurance benefits and other travel protections provided by The Platinum Card® from American Express .

Trip cancellation protection

The trip cancellation insurance you’ll receive will pay for any nonrefundable losses you incur due to a covered event.

Given the current climate, you may also be wondering: does The Platinum Card® from American Express travel insurance cover COVID? It can, depending on the reason you need to cancel. Covered events include quarantine imposed by a physician or illness for you, your family members or a traveling companion.

Other eligible events include a change in military orders, inclement weather or jury duty.

If you need to cancel your trip, AmEx will provide up to $10,000 per trip and a maximum of $20,000 every 12 months. Terms apply.

» Learn more: The guide to American Express travel insurance

Trip interruption coverage

As with trip cancellation protection, trip interruption insurance will reimburse you for nonrefundable losses by a covered event.

If your trip is interrupted, American Express will cover you for prepaid land, air and sea travel bookings you’ve missed. They’ll also pay for the cost of an economy-class ticket on the most direct route to rejoin your covered trip (or take you home).

The maximum benefit you’ll receive is $10,000 per trip and up to $20,000 every 12 months. Terms apply.

Trip delay insurance

As it sounds, trip delay insurance will reimburse you for expenses incurred when your trip doesn’t go as scheduled. In the case of The Platinum Card® from American Express , coverage kicks in after you’ve been delayed by at least six hours for a covered reason.

Covered purchases may include food, toiletries, lodging, medication and other personal use items. You’ll be reimbursed for up to $500 on a covered trip and can make two claims within a 12-month period. Terms apply.

Rental car insurance

The Platinum Card® from American Express provides secondary rental car insurance . This means it’ll kick in after other claims — like those made to your personal insurance — have been paid. To activate coverage, you’ll need to decline the insurance offered by the rental car company.

AmEx will provide up to $75,000 due to damage or theft of the rental vehicle, but be aware that the policy doesn’t provide liability insurance.

It’ll also give you up to $1,000 per person (max of $2,000) for personal property lost in the incident and up to $5,000 for accidental injury. Finally, you’ll receive up to $300,000 for accidental death or dismemberment, though the rates will vary depending on the severity of your injuries.

This rental car insurance is valid worldwide with a few notable exceptions, including Australia, Italy and New Zealand. Terms apply.

» Learn more: Credit cards that provide travel insurance

Baggage coverage

Cardholders and their families are eligible for baggage insurance provided they’ve paid for the fare using The Platinum Card® from American Express . This benefit is only for lost baggage; delayed luggage is not protected.

Coverage limits vary depending on whether you’ve checked your bag or carried it on:

Checked bags: Up to $2,000 per person.

Carry-on: Up to $3,000 per person.

Note also that checked baggage is only covered when you’re actually traveling with a common carrier. Meanwhile, carry-on luggage is also covered when traveling to and from or waiting at the terminal.

There are also specific limits for high-risk items such as jewelry and electronic equipment. For these items, you’ll receive a maximum of $1,000 per person per trip. Terms apply.

» Learn more: Baggage insurance explained

Premium Global Assist

What else does The Platinum Card® from American Express travel insurance cover? Although this last benefit isn’t technically a type of travel insurance, it’s worth including as it can offer help while you travel.

AmEx’s Premium Global Assist hotline is a 24/7 service that can assist you in various ways, such as helping you get a new passport, finding translation services and even arranging for emergency medical evacuation.

Although using Premium Global Assist is free, the services that you may end up using are not necessarily covered by AmEx.

There are exceptions to this — if you need repatriation of mortal remains, emergency medical evacuation or if a child under 16 is left without care, AmEx will provide aid at no additional cost. Terms apply.

To file a claim, you’ll need to contact your benefit administrator. The phone number and timeframe will vary according to the type of insurance you’re using:

Trip cancellation, interruption or delay insurance: Within 60 days, call 844-933-0648.

Baggage insurance: Within 30 days, call 800-228-6855 or online .

Rental car insurance: Within 30 days, call 800-338-1670 or online .

» Learn more: The guide to AmEx Platinum rental car benefits

If The Platinum Card® from American Express travel insurance doesn’t seem like it’ll be enough for your trip, or if its coverage doesn’t include features that you’d like to have, consider purchasing a separate travel insurance policy before you travel.

Several companies allow you to compare various policies for any vacation and modify inclusions as you shop.

» Learn more: How much is travel insurance?

The travel insurance offered by The Platinum Card® from American Express includes some pretty generous benefits for travelers, especially since it’s complimentary (the $695 annual fee notwithstanding). Terms apply.

If you want to take advantage of this insurance, pay for your trip using your AmEx card and double-check any other stated requirements before heading out to ensure coverage.

Insurance Benefit: 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 americanexpress.com/benefitsguide for more details.

Underwritten by New Hampshire Insurance Company, an AIG Company.

Insurance Benefit: Trip Delay Insurance

Up to $500 per Covered Trip that is delayed for more than 6 hours; and 2 claims per Eligible Card per 12 consecutive month period.

Insurance Benefit: Car Rental Loss & 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.

Insurance Benefit: 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.

Underwritten by AMEX Assurance Company.

Insurance Benefit: Premium Global Assist Hotline

You can rely on Global Assist Hotline 24 hours a day / 7 days a week for medical, legal, financial or other select emergency coordination and assistance services while traveling more than 100 miles away from your home. Plus, the Premium Global Assist Hotline may provide emergency medical transportation assistance and related services. Third-party service costs may be your responsibility.

If approved and coordinated by Premium Global Assist Hotline, emergency medical transportation assistance may be provided at no cost. In any other circumstance, Card Members may be responsible for the costs charged by third-party service providers.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are some of the best travel credit cards of 2024 :

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Wells Fargo Autograph℠ Card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

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American Express Preferred Rewards Platinum Card Review (Amex Platinum Review) – Is Amex Platinum Worth It UK?

March 4, 2020 By Ben @ Thrifty Points 11 Comments

An Overview of the Amex Platinum Card

This is my updated review of the American Express Preferred Rewards Platinum card (Amex Platinum card UK review).  The chances are you’ve stumbled across this page because you’re asking yourself does the £575 pa cost of holding the card really make sense? In this review I’ll delve into the key benefits of the card, run some (hopefully) easy-to-follow cost analysis and answer the question on everyone’s lips – Is Amex Platinum worth it UK?

Let's break this post down...

American Express Platinum Review

Let’s start with the boring stuff. The UK American Express Preferred Rewards Platinum card is issued directly by American Express and is a charge card, not a credit card. For those that don’t know, a charge card needs to be paid in full at the end of each month!

You can hold up to 2 charge cards and 2 credit cards which have been issued by American Express at any one time, although this doesn’t include Amex cards which are provided by the likes of BA, Lloyds, TSB or Barclays. I’d recommend checking your credit rating before applying for a new card. Generally you should have a rating in excess of 700+. Click here  for a free Equifax credit report and score. It’s free for the first 30 days and then £14.95 per month afterwards (make sure you cancel in the first 30 days!).

As you may be aware the Platinum Card recently changed from the bog standard plastic version to the new metal version – setting it aside from the vast majority of other cards in the UK market!

Unlike the A mex Gold card , which is free for the first 12 months, the UK American Express Platinum card comes with an annual fee of £575. This fee is refundable on a pro-rata basis should you wish to cancel. It’s this hefty annual fee that makes this one of the hardest cards to get your head around. So, is the Amex Platinum worth it? …read on to find out why, for some   people, we believe the answer is yes…

The Sign-Up Bonus for the Amex Platinum Card UK

The American Express Preferred Rewards Platinum card offers 30,000 bonus Membership Rewards points when you spend £4,000 in your first 3 months. You can increase your sign-up bonus to 35,000 points by using this referral link and scrolling down to the correct card (as seen highlighted in red below).

Membership Rewards points can be directly converted to Avios and similar points from a number of other partners. If converted to Avios this would be enough for a return flight to Athens from the UK. Alternatively see how I used my American Express Rewards points and the BA 2-4-1 voucher to fly two people First Class to Sao Paulo for free – review here  (Tip: the free First-Class flight review is the most popular page on our website by far and may be worth bookmarking for a later date :)).

You can increase to 35,000, the total number of sign-up bonus Membership Rewards points by using this link .  For those who have read my post about the value of American Express Membership Rewards points ( click here to read ) if converted to Avios, you’ll know that I value the points at roughly £0.01 per point. As such by using this link you’re making in the region of £50. Worth considering and as you’ll see below may go a long way towards offsetting the cost of the card!

What Are the Other Benefits of the Amex Platinum Card?

When you sign up to the Amex Platinum card you and a supplementary cardholder will receive a Priority Pass Card . Priority Pass offers a VIP experience at over 1000 airport lounges with complimentary drinks, refreshments and pre-flight bites (including alcohol!). This could be worth between £50-£250 depending on your travel habits. See how I arrive at this figure below. Have a look at the Plaza Premium Lounge – London Heathrow Terminal 2.

During your time as an Amex Platinum cardholder you’ll receive the following status in various hotel schemes:

• Gold in Hilton Honours
• Gold in Club Carlson
• Jade in Shangri-La Golden Circle
• Gold in Starwood Preferred Guest
• Gold in Melia Rewards  

Travel insurance for you and the rest of the family. Just check the terms and conditions because some elements require you to pay by an American Express card. Also included is free hire-car insurance with no requirement to use the card.

Earn one Membership Rewards point for virtually every £1 spent on the card . These again can be converted to Avios, which if applied to the 35,000 sign-up bonus will help you reach those further-away destinations.

Further benefits of the American Express Platinum card include:

• Free Eurostar Lounge Access when travelling in any class
• Lounge access when flying with Delta
• Room upgrade on arrival (when available)
• Free breakfast for two people
• Noon check-in (when available)
• Guaranteed 4pm check-out
• Note that prices are fixed and as such may be more expensive than booking direct. Always check!
• Complimentary membership to Hertz Gold Plus Rewards
• A £10 Addison Lee taxi credit each month
• $200 cashback on every onefinestay house rental (no limit on the number you can redeem)

Anything Else I Should Know About the Amex Platinum Card?

American Express no longer has a minimum income requirement for the card.

Recent changes to American Express rules now mean that to qualify for the sign up bonus you cannot have held a personal Membership Rewards American Express credit card in the last 24 months – this would include the Green, Gold and Platinum Card.  If you’ve only had the Nectar, Costco, Starwood, British Airways you can still obtain the sign up bonus – learn more about the sign up bonus restrictions and our suggested strategy here .

Finally just a reminder that the American Express Preferred Rewards Platinum card is  not  a credit card and  should  be repaid in full at the end of each month.

Is Amex Platinum UK Worth the £575 pa? – American Express Platinum versus Other Credit Cards

With a whopping £575 annual fee, one would hope that the Amex Platinum benefits far outweigh the cost of the card. One of the main questions I’m regularly asked – Is Amex Platinum worth it UK? To compare the American Express Platinum card against some of its competitors, I thought it would be useful to calculate the monetary value of the various benefits offered by the card.

Now this is not an easy task and is dependent on the individual’s personal circumstances, however hopefully this will provide some indication to allow you to calculate whether the American Express Platinum benefits are truly worth it for the £575 annual fee.

Sign-up Bonus – As I mentioned earlier, you’ll receive a bonus of 30,000 Membership Rewards points when you spend £2,000 in the first 3 months on the Amex Platinum card. This can be increased to 35,000 membership rewards points if you use this link and scrolling down to the correct card.

Now the value of these points will vary depending on what you decide to spend them on. For example if you are to convert to Amazon vouchers you’ll get approximately 0.5p for every reward point you earned with the American Express Platinum card. If you’ve read my post covering the value of an Avios point ( found here ) you’ll know that if transferred to Avios, I expect the value to be in the region of 1p per reward point (1 to 1 conversion rate). As such the sign-up bonus offered on the Amex Platinum credit card could be worth anywhere between £175 and £350 depending on how they’re redeemed (far more than the standard BA Amex card ).

American Express Platinum Travel Insurance – The card offers family travel Insurance. If you’re a single traveller then this reward may not be worth a significant amount however I’ve just run a quick search and the cheapest annual family insurance on similar terms is £223. Not a bad benefit if you have a large family.

Full Car-Hire Insurance – The American Express Platinum card UK offers free car-hire insurance, which for me has relatively limited value as I usually rent cars through work and as such they cover the cost of the insurance. However if you’re inclined to rent a car on every holiday you go on, this could be worth a considerable amount. I’ve had a search online and you can purchase a similar policy for somewhere in the region of £40.

Lounge Access with the Amex Platinum Rewards Card – Now one of my personal favourites is the TWO Priority Passes you get with the card. The perceived value of these will vary depending on how much you travel. For independent flyers who only travel once or twice a year, this is likely to have limited, if any, value. Alternatively if you’re a family of 4, who fly three times a year and like to use lounges, then the Priority Pass cards could be worth anywhere up to £180 (based on 4 guests, 3 times a year at £20 per person per visit). A similar calculation can be undertaken for the Eurostar lounge access.

Finally with the American Express Platinum card you will also gain status with the various hotel schemes listed above. Whilst these of course have a value, it’s slightly more difficult to attribute.  For the purpose of this exercise we’ll say they are nice to have but provide limited value to offset against the £575 cost of the Amex Platinum UK card.

So what have we learned? You’re likely to get better value from the card if you have a family as opposed to being an independent traveller. In this example the family of 4 may benefit somewhere in the region of £793, far outweighing the cost of the American Express Platinum credit card UK. However an individual who rarely flies and would use the points to purchase an item at Amazon may only get £175 of value from the card. As such it would be a bad move for this individual to sign up.

How Do the Amex Platinum UK Benefits Compare with Other Credit Cards?

For the purpose of this exercise, I’m going to compare the Amex Platinum credit card with the American Express Gold card and the British Airways American Express Premium card. Both are cards that I rate highly. Full reviews can be found here – Amex Gold Review / BA Amex Premium Review .

Now you’ll earn significantly more points with the Amex Platinum Rewards card than both comparison cards, and at 1p per Avios this difference is worth between £50 and £200. The difference is even greater if you use this referral link and scrolling down to the correct card to boost the sign-up bonus from 30,000 to 35,000 points. That said, the American Express Gold card ( full review here ) is free for the first year and a ‘mere’ £140 pa thereafter (although I wouldn’t recommend paying for the card). With the Amex Gold card you’ll also receive 2 free lounge passes. Great if you rarely fly, however as seen earlier, the 2 passes of the Platinum American Express can be huge if you’re travelling with a large family.

Now the BA Amex Premium card has one very important benefit and that’s the 2-4-1 voucher. I recently used this to redeem two First-Class flights to Sao Paulo, saving me somewhere in the region of 140,000 Avios. At 1p per Avios, that’s a staggering saving of £1,400 which in my mind put this card way ahead of the American Express Platinum card for couples who already have a significant number of Avios points to use. You can read my full review of the BA Premium Card here or alternatively bookmark our guide to obtaining a free First-Class flight for you and a companion – found here .

Ways to Spend Your Amex Platinum UK Rewards?

In this scenario, we’re going to look at the various ways you can spend both the 30,000 ( 35,000 using this link and scrolling down to the correct card) sign-up bonus and the additional points you’ve accumulated by spending money on the Amex Platinum card.

You could use the 35,000 Membership Rewards points against the balance of your American Express Platinum credit card at a rate of 0.4p per point. This would be a worst-case scenario in my eyes.

If you shop online via the American Express website, you have the option to use reward points. You should note however that merchant rewards generally equate to less than 0.4p and as such you’d be better off putting it on your American Express Platinum credit card and using the points to pay it off. In addition you’ll earn further points on the card spend J!

You can use the points to shop directly on Amazon.co.uk  at a rate of 0.45p or alternatively if you are to purchase an Amazon gift card you’ll receive a rate of 0.5p (as mentioned above). Similarly other retailer gift cards can be redeemed at 0.5p.

Your Membership Rewards points can be used for hotel stays and generally work out relatively favourably at between 0.5p and 1p per stay. Hotel operators include Hilton, Starwood (providing access to the Marriott offering), Club Carlson and Melia.

Finally, and my recommended method, is to convert the points you’ve earned from the Amex Gold card to air miles. You can see how I  value Avios points here , however I estimate the value to be in the region of 0.8p to 1.3p per point.

As highlighted above there are a number of ways you can spend the points you’ve earned with the Amex Platinum UK credit card, with the sign-up bonus of 35,000 worth anywhere between £140 and £350.

Thrifty Point’s Tips to Maximise the Platinum American Express

Whilst I don’t advocate churning cards purely for points, I would highlight that the £575 pa charge for the American Express Platinum card is refundable on a pro-rata basis. As such, once you’ve spent the qualifying amount of £4,000 and have banked the rewards points you’ll be able to recoup a significant proportion of the fee for the Platinum American Express card.

FAQs – American Express Platinum Credit Card UK

How to get the amex platinum card.

Historically the American Platinum card was only available to those with bank balances which could feed a third-world country for a year. Nowadays the prestigious card is not based on salary and available to anyone over the age of 18 with no history of bad debt and a permanent UK home address (according to the American Express website ).

Is the American Express Platinum Card Worth It?

As we’ve seen in the examples above, for a family of 4 the £575 charge for the American Express Platinum card would be more than offset by the various benefits. However if you’re an independent traveller you may be better off with the free American Express Gold Card – full review here .

What Happens if I Already Have the American Express Gold?

For those who already have the American Express Gold card and are thinking to upgrade to the Amex Platinum there are two options. Either cancel the card and wait 24 months to receive the 35,000 reward points sign-up bonus. Or switch your Gold card to the American Express Platinum card and you’ll receive a sign-up bonus of 20,000 reward points.

What’s Amex Platinum Eurostar Lounge access like?

Unlike the Priority Pass, which entitles the cardholder to also invite a guest, the Amex Platinum Eurostar lounge access is unfortunately only for the cardholder.   Only on one occasion out of the last 6 return journeys have I been travelling by myself and in that instance I was running late on one of the journeys.  If you travel on the Eurostar regularly for work then this benefit may have some good value however for me who predominantly travels with Eurostar for leisure it’s been challenging to use!

American Express UK Platinum Credit Card Summary

The sign-up bonus of 30,000 points (35,000 points if you use this specific sign up link and scrolling down to the correct card) for the Amex Platinum credit card is the most generous in the market at the current time.

Is Amex Platinum worth it UK? The £575 annual fee is one of the most expensive in the market, however as we’ve seen from our cost analysis if you are a frequent traveller who would use the various other perks of the card, there is definitely value to be had here. Note you can always cancel for a pro-rata fee refund at any time, useful if you receive your sign-up bonus and find you aren’t making the most of your various other perks. Alternatively if the maths just don’t add up why not try the (free for the first 12 months) American Express Gold Card – reviewed here .

I hope you’ve found the Amex Platinum card review useful and as always please do comment if you have any queries. Please do share this post if you think friends would be interested.

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Reader Interactions

James Hockney

June 2, 2018 at 16:36

Great article! Does the supplementary cardholder receive the same rewards points bonus? Or would they need to make a seperate application?

May 24, 2019 at 04:51

Yes, Great article. any answer to: Does the supplementary cardholder receive the same rewards points bonus? The links to the increase of reward points (from 30,000 to 35,000) does not seem to be working?

Ben @ Thrifty Points

May 26, 2019 at 14:27

Thanks for reaching out and great to hear you’ve found the article interesting. Unfortunately the supplementary cardholder will not receive a bonus but you will receive 5,000 MR points for the first approved card. The supplementary card however will earn the same number of MR points on spending which will be credited to your account. Has for the heads up on the link – now amended.

June 1, 2019 at 08:25

Me again, sorry. Is there a charge for the supplementary card? Ts & Cs say 175GBP?

June 1, 2019 at 08:33

The first supplementary platinum card and first 4 supplementary gold cards are complimentary. There is a charge of £175 per American Express platinum card after that. I’ll make sure I update the article to reflect 👍

June 1, 2019 at 08:34

The first supplementary platinum card and first 4 supplementary gold cards are complimentary. There is a charge of £175 per American Express platinum card after that. I’ll make sure I update the article to reflect

July 29, 2019 at 21:52

Shame we dont get uber credits in the UK, AL is twice the price of uber almost

February 28, 2020 at 15:48

The bonus points condition of no Amex card for 24 months, does that only apply to UK Amex cards? If I have a foreign Amex card and I move to the UK and apply for this Plat card, can I still get the bonus?

June 21, 2021 at 21:44

Hi all, has anyone been able to make use of the Platinum travel discount on selected flights? If so, any feedback. We are evaluating whether this card is for us and have a large US trip coming up next year. If the 20% touted discount is indeed available, it is absolutely worth us going for it. Any guidance appreciated!

March 14, 2023 at 22:40

are the points transferable to Virgin flying club?

March 15, 2023 at 16:56

apparently they are. Is this a dead blog? I also think the restaurant benefit is £300 now.

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Your complete guide to travel protections on American Express cards

Editor's note: This is a recurring post, regularly updated with new information.

Numerous American Express cards offer travel protections that can take the headache out of your vacations. However, the coverage you get (and the limits of said coverage) differ by card. Rather than trying to remember all of this on your own, we will guide you through the travel protections offered by American Express cards.

This guide provides a comprehensive, detailed look at the variety of travel protections offered across the American Express card portfolio. Each section outlines a type of coverage and the cards offering this coverage. We also include coverage limits and any additional caveats to keep in mind.

Here's what you need to know about American Express travel insurance coverage.

Trip delay insurance

Trip delay insurance covers you when you encounter travel delays. This could be a delayed flight due to mechanical issues or an unexpected overnight due to a weather-related cancellation. Other reasons are covered, but individual policies vary in what they do and don't cover. If the reason for your delay is not specifically mentioned in your policy, assume that it's not covered.

With trip delay protection, there are two different "levels" of coverage, depending on the card you carry.

Level 1: Higher-end cards

Some of American Express' top products offer trip delay reimbursement of up to $500 per covered trip that is delayed for more than six hours, capped at two claims per eligible card per 12 consecutive months.*

This protection becomes effective when you purchase a ticket using any of the following cards:

• The Centurion® Card from American Express**
• The Business Centurion® Card from American Express**
• The Platinum Card® from American Express
• The Platinum Card® from American Express for Schwab**
• The Platinum Card® from American Express for Goldman Sachs**
• The Platinum Card® from American Express for Morgan Stanley**
• The Platinum Corporate Card from American Express**
• The Business Platinum Card® from American Express
• Delta SkyMiles® Reserve American Express Card
• Delta SkyMiles® Reserve Business American Express Card
• Hilton Honors American Express Aspire Card **
• Marriott Bonvoy Brilliant® American Express® Card
• The American Express Corporate Platinum Card®**

*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.

**The information for these cards has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

Level 2: Mid-tier cards

Other American Express cards offer trip delay reimbursement of up to $300 per covered trip that is delayed for more than 12 hours, capped at two claims per 12 consecutive months.*

Here are the cards that include this protection when you use them to purchase your tickets:

• American Express® Gold Card
• American Express® Green Card**
• American Express® Business Gold Card
• Delta SkyMiles® Platinum American Express Card
• Delta SkyMiles® Platinum Business American Express Card
• Marriott Bonvoy Bevy™ American Express® Card

Trip cancellation and interruption insurance

This type of coverage is for situations in which your trip is canceled or interrupted (meaning you started the trip but must end it to return home). As a result, you're forced to forfeit prepaid, nonrefundable reservations. Again, be sure that your policy mentions your specific reason for it to be covered.*

All Amex cards with this benefit provide the same level of protection. If your trip is canceled or interrupted for a covered reason, you can receive a maximum of $10,000 per covered trip and a maximum of $20,000 per eligible card in a 12-month period.

Here are the cards that include this protection when you use them to purchase travel:

• The Corporate Platinum Card® from American Express**
• The Corporate Centurion® Card from American Express**

Global Assist Hotline

Eligible cardholders can rely on the Global Assist Hotline 24 hours a day, 7 days a week for medical, legal, financial or other select emergency services coordination and assistance while traveling more than 100 miles from home.*

The Global Assist Hotline coordinates services but is not the service provider. Any third-party service costs may be your responsibility.

Here are the cards that include this protection when you use them to pay for your tickets:

• American Express® Cash Rebate Credit Card**
• Blue for Business® Credit Card**
• Blue Cash® from American Express**
• Blue Sky from American Express®**
• Blue Cash Everyday® Card from American Express
• Blue Cash Preferred® Card from American Express
• Business Green Rewards Card from American Express **
• Clear from American Express®**
• Delta SkyMiles® Blue American Express Card
• Delta SkyMiles® Gold American Express Card
• Delta SkyMiles® Gold Business American Express Card
• Hilton Honors American Express Card
• Hilton Honors American Express Surpass® Card
• The Hilton Honors American Express Business Card
• Marriott Bonvoy™ American Express® Card**
• Marriott Bonvoy Business® American Express® Card
• The Plum Card® from American Express
• The Blue Business® Plus Credit Card from American Express
• The American Express Blue Business Cash™ Card
• Amazon Business Card**
• Amazon Business Prime Card**
• Lowe's Business Rewards Card**
• American Express® Corporate Gold Card**
• Corporate Green Credit Card**
• American Express Cash Magnet® Card **
• The Amex EveryDay® Credit Card from American Express**
• The Amex EveryDay® Preferred Credit Card from American Express**
• Blue from American Express®**
• SimplyCash® Plus Business Credit Card**
• SimplyCash® Business Card**
• American Express® Platinum Credit Card**
• American Express® Credit Card**
• One from American Express®**
• Zync from American Express®**
• Schwab Investor Card® from American Express**
• Morgan Stanley Credit Card from American Express**
• Platinum Optima® Card**
• Optima® Card**
• Bluebird® American Express® Reloadable Prepaid Card**
• Serve® American Express® Reloadable Prepaid Card**
• The Corporate Platinum® Card from American Express**
• American Express® Corporate Green Card**
• Business Extra℠ Corporate Card**
• American Express® Corporate Accenture Gold**
• American Express® Corporate Meeting Card**
• American Express® Corporate Defined Expense Program Card**
• American Express® Corporate Purchasing Card**
• Morgan Stanley Blue Cash Preferred® American Express Card**

*Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for details. Cardmembers are responsible for the costs charged by third-party service providers.

Premium Global Assist Hotline

Like the benefit above, eligible cardholders for certain premium Amex cards can rely on the Global Assist Hotline 24/7 for medical, legal, financial or other select emergency services coordination and assistance services while traveling more than 100 miles from home. With the Premium benefit, emergency medical transportation assistance and related services may be provided at no cost.*

If approved and coordinated by the Premium Global Assist Hotline, emergency medical transportation assistance may be provided at no cost to you. Otherwise, third-party service costs may be your responsibility.

*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.

Baggage insurance plan

Baggage insurance applies to covered persons for eligible lost, damaged or stolen baggage during travel on a common carrier vehicle (such as a plane, train, ship or bus) when the entire fare for a ticket on the trip (one-way or round trip) is charged to an eligible card.

This benefit has two different "levels" of coverage, depending on the card you carry.

Some of American Express' top products offer baggage insurance coverage of up to $2,000 for checked baggage and up to a combined maximum of $3,000 for checked and carry-on baggage. This coverage is in excess of coverage provided by the common carrier. Coverage is subject to a $3,000 aggregate limit per covered trip.*

For New York state residents, there is a $2,000 per bag/per suitcase limit for each covered person, with a maximum of $10,000 aggregate for all covered persons per covered trip.*

Other American Express cards offer baggage insurance coverage of up to $1,250 for carry-on baggage and up to $500 for checked baggage. This coverage is in excess of coverage provided by the common carrier.*

For New York state residents, there is a maximum of $10,000 aggregate for all covered persons per covered trip.*

• American Express® Green Card
• American Express® Gold Card for Ameriprise Financial**
• American Express® Corporate Accenture Gold Card**
• American Express® Executive Business 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.

Car rental loss and damage insurance

Car rental loss and damage insurance applies to the theft of or damage to most rental vehicles when you use an eligible card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the rental car company. Note that this product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered, and geographic restrictions apply.

Some of American Express' top products offer car rental loss and damage insurance of up to $75,000 for theft of or damage to eligible rental vehicles.*

Here are the cards that include this protection when you use them to pay for eligible rentals:

• Centurion® Card from American Express**
• Business Centurion® Card from American Express**

Other American Express cards offer car rental loss and damage insurance of up to $50,000 for theft of or damage to eligible rental vehicles.*

• Amex EveryDay® Credit Card**
• Amex EveryDay® Preferred Credit Card**
• SimplyCash® Plus Business Card**
• American Express® Business Purchase Account**

*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.

Bottom line

Understanding what benefits your card has to protect you when things go wrong during a trip can help reduce headaches. To that end, American Express provides multiple travel protections across many of its card products.

Coverage limits within the same benefit can vary by the card you have, so consult your card's detailed benefits at americanexpress.com/benefitsguide for full details.

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PLATINUM  INSURANCE  

Travel insurance benefits for you, your Supplementary Cardmembers, from the moment you use your card for a trip, rent a car or purchase an item. 

Terms and conditions apply

If you need Baggage Assistance

In the event that your checked baggage is lost by a commercial carrier, Platinum Travel Assistance will make every effort to track down your missing luggage and keep you posted on their progress. Should Platinum Travel Assistance not be able to recover your luggage, you will be reimbursed up to a maximum of US$1,200 per trip.

WHO'S COVERED? Platinum Travel Assistance services are provided by AXA Assistance USA, a division of the AXA Group, are given the name of Platinum Travel Assistance and are valid only for American Express International Dollar Platinum Card Members or the Additional Card Members. The Platinum Travel Assistance services will be valid only during the time in which the American Express Platinum Card account continues active and in good standing.

Platinum Travel Assistance is underwritten by AXA Assistance USA Coverage is determined by the Terms, Conditions, and Exclusions of service and is subject to change without notice.

KEY EXCLUSIONS & LIMITATIONS Depending on the case, different coverage may apply. The coverage provided by AXA Assistance USA is restricted to emergent situations that arise directly and independently of all other causes.

If you experience a delay on your journey, missed a connection or overbooked flight

The Travel Inconvenience Insurance Plan provides benefits in the event of:  Missed Departures and Missed Connections; delay, cancellation or overbooked flights; and Luggage Delay and Extended Luggage Delay when the Covered Trip is purchased and charged to your American Express International Dollar Card (IDC). 

• Up to US$250 per covered person for alternate travel, restaurant meals or refreshments
• Up to US$1,000 if your baggage is delayed after four hours for purchasing of essential clothing.

WHO'S COVERED?

You are eligible for coverage if you are an American Express International Dollar Card Platinum Card Member.

The Travel Inconvenience Insurance Plan  is underwritten by Indemnity Insurance Company of North America Administrative Office, The Corporate Center 33 Resolución Street, Suite 500 San Juan, Puerto Rico 00920-2707. Coverage is determined by the Terms, Conditions, and Exclusions of policy 58US3760 and is subject to change with notice. This document does not supplement or replace the policy.

KEY EXCLUSIONS & LIMITATIONS

In no event will duplicate or multiple American Express Cards obligate the Company in excess of the limit stated herein for expenses incurred by any one individual Covered Person as a result of any one incident covered under this Policy. 

EXCLUSIONS The Policy does not cover 

1) additional costs where the airline, rail or ship operator has offered alternative travel arrangements and these have been refused or where the Covered Person has voluntarily accepted compensation from the airline, train or ship operator in exchange for not traveling on an overbooked flight.

2) Claims where the Covered Person has failed to obtain a Property Irregularity Report from the relevant airline authorities of missing baggage at scheduled destination.

3) Industrial Action which has commenced or has been announced prior to booking your Covered Trip.

4) Covered Trips in, or booked to, countries where a government agency has advised against traveling or which are officially under embargo by the United Nations.

5) Any fraudulent, dishonest or criminal act committed by the Covered Person, or any with whom the Covered Person is in collusion.

6) Terrorist activities except while on a public vehicle.

7) Declared or undeclared war or hostilities.

8) Biological, chemical, nuclear or radioactive incidents.

If you need Medical Assistance

Should you have a medical emergency while traveling, Platinum Travel Assistance can provide you with medical assistance in consultation with local treating physicians. Medical visits to your hotel can also be arranged, depending on the circumstances and the resources available in each country. This assistance includes the following benefits per trip among others*:

• US$100,000 for emergency medical transportation** 
• US$250,000 for emergency medical services
• US$1,000 for emergency dental treatment
• US$1,000 for prescription expenses

*Benefit limits apply. Please read important exclusions, restrictions and Terms and Conditions . Card Members whose permanent address of residence is in Spain or Switzerland are not eligible for Platinum Travel Assistance.

**While traveling more than 100KMs away from home in the same country of residence, only the emergency medical transportation service is available

If you suffer serious injury on your trip

Travel Accident Insurance offers a coverage of up to US$500,000 in case of accidental death or dismemberment while traveling on a Common Carrier Conveyance (plane, train, ship or bus), when the entire fare has been charged to The Platinum Card.

WHO IS COVERED? A person shall be a Covered Person under the Master Policy No. 58US3199 only if: He or she is: a. a Basic or Additional Card Member who has the International Dollar Card Platinum Card issued by American Express Travel Related Services (“American Express”) in his or her name; or b. the legally married spouse or Dependent Child under age 23 of any eligible person described in a) above. For the purpose of this Policy, a common law marriage is not considered a legal marriage. Dependent Child means a legally dependent child, including a stepchild or legally adopted child of any eligible person described in a) or b) above; and who is wholly dependent on such eligible person(s) for financial support.

Travel Accident Insurance Plan is underwritten by Indemnity Insurance Company of North America, Administrative Office, Doral Bank Center Calle Resolución #33, Suite 500, San Juan, Puerto Rico 00920. Coverage is determined by the Terms, Conditions, and Exclusions of policy No. 58US3199 and is subject to change with notice. This document does not supplement or replace the policy.

KEY EXCLUSIONS & LIMITATIONS The Policy does not cover any Loss caused or contributed to by:

• suicide or self-destruction or any attempt threat;
• war or any act of war whether declared or undeclared;
• injury to which a contributory cause was the commission of or attempt to commit, an illegal act by or on behalf of the Covered Person or his or her beneficiaries;
• injury received while serving as an operator or crew member of any conveyance.  

If you need Legal Assistance

Platinum Travel Assistance can put you in contact with a lawyer in the country in which you are traveling. Should you need legal defense, Platinum Travel Assistance will provide legal assistance in the form of advanced legal and bail fees, up to US$10,000 per trip. All legal assistance funds advanced will be charged to your Platinum Card account automatically.

WHO IS COVERED?

Platinum Travel Assistance. The Travel Assistance services are provided by AXA Assistance USA, Inc. ("AXA"), an AXA Group company, are given the name of Platinum Travel Assistance and are valid only for American Express International Dollar Card Platinum Card Members or the Additional Card Members. The Platinum Travel Assistance services will be valid only during the time in which the American Express Platinum Card account is active and in good standing.

 The use of the Platinum Travel Assistance Service implies that the Basic Card member understands and accepts the General Conditions.

KEY EXCLUSIONS & LIMITATIONS The following general terms and conditions are in effect when services are provided by AXA and/or vendors and providers through which services are coordinated on behalf of the Card Member while traveling outside of his or her country of permanent residence or when 100 KMs away from home. The services provided by AXA are restricted to emergency situations that arise directly and independently of all other causes, resulting in external bodily injury, of violent and/or accidental means or of a medical condition which is sudden, unanticipated and urgent which requires immediate medical or surgical evaluation or treatment to provide relief of acute pain and suffering

If you are renting a vehicle

Car Rental Loss and Damage Insurance reimburses a Card Member for payments for damage to or theft of a Rental Auto that the Card Member is required to make, up to the lesser of: 

• the actual cost to repair the Rental Auto, or
• the published Book value or, if not available, the purchase invoice price of the Rental Auto minus salvage and depreciation costs, or
• fair market commercial value of the Rental Auto. 

The coverage also reimburses the Card Member for reasonable charges (those charges incurred at the closest facility that are usual and customary in the vicinity in which the loss or disablement took place) imposed by the Rental Company, such as towing, storage, loss of use (loss of use means proven loss of income to the Commercial Car Rental Company where no additional sources of income exist to offset this loss. Reasonable and customary charges are substantiated by documentation supporting loss of use such as fleet utilization logs; loss of use does not include Commercial Car Rental Company administrative fees), which the Rental Company would not have imposed had the Card Member accepted its full CDW, or partial collision damage waiver. Car Rental Loss and Damage Insurance covers no other type of loss. For example, in the event of a collision involving the Card Member’s Rental Auto, damage to any other driver’s car or the Injury of anyone or anything is not covered. Note: This policy does not provide liability coverage for Uninsured Motorists; benefits under any Worker’s Compensation law, Disability benefits law or other mandated Government Plans.

Certain restrictions apply. Some vehicles are not covered. 

WHO IS COVERED? Any individual who has been issued an American Express IDC Platinum Card and who has an American Express Card Account.

Car Rental Loss and Damage Insurance Plan is underwritten by Indemnity Insurance Company of North America, Administrative Office, Doral Bank Center Calle Resolución #33, Suite 500, San Juan, Puerto Rico 00920. Coverage is determined by the Terms, Conditions, and Exclusions of Policy No. 58US3775 and is subject to change with notice. This document does not supplement or replace the policy.

KEY EXCLUSIONS & LIMITATIONS Vehicles Not Covered Car Rental Loss and Damage Insurance does not cover rentals of: 

• expensive cars, which means cars with an original manufacturer’s suggested retail price of $50,000 or more when new;
• exotic cars regardless of year or value, including but not limited to Chevrolet Corvette, Toyota Supra,Mazda RX-7, Dodge Viper and Stealth, Plymouth Prowler, Mitsubishi 3000 GT, Nissan 300 ZX, Jaguar XJS, Acura NSX,Mercedes SL, SLK, S Coupe and E320 Coupe and Convertible, BMWM3, Z3 and 8 Series, Cadillac Allante and all Porsche, Ferrari, Lamborghini, Maserati, Aston Martin, Lotus, Bugatti, Vector, Shelby Cobra, Bentley, Rolls Royce;
• trucks, pick-ups, cargo vans, custom vans;
• full-sized vans, including but not limited to, Ford Econoline or ClubWagon, Chevy Van or Sportvan, GMC Vandura and Rally, Dodge Ram Vans and RamWagon;
• vehicles which have been customized or modified from the manufacturer’s factory specifications except for driver’s assistance equipment for the physically challenged;
• vehicles used for hire or commercial purposes;
• mini-vans used for commercial hire; Note: PassengerMini-Vans (Not CargoMini-Vans) with factory specified seating capacity of 8 passengers or less, including but not limited to, Dodge Caravan, Plymouth Voyager, FordWindstar and Nissan Quest, are covered when rented for personal or business use only.
• antique cars, which means cars that are 20 years old or have not been manufactured for 10 or more years;
• limousines;
• full sized sport utility vehicles, including but not limited to, Chevrolet/GMC Suburban, Tahoe and Yukon, Ford Expedition, Lincoln Navigator, Toyota Land Cruiser, Lexus LX450, Range Rover or fullsized Ford Bronco;
• sport/utility vehicles when driven “off-road”; and Note: Compact sport/utility vehicles, including but not limited to Ford Explorer, Jeep Grand Cherokee, Nissan Pathfinder, Toyota Four Runner, Chevrolet Blazer and Isuzu Trooper and Rodeo are covered when driven on paved roads.
• off-road vehicles, motorcycles, mopeds, recreational vehicles, golf or motorized carts, campers, trailers and any other vehicle which is not a Rental Auto.

If you need to protect your purchases

Purchase Protection  provides coverage for your purchases for ninety (90) days from the date of purchase when you charge any portion of the price of the purchased item to your Account. You will be reimbursed only for the amount charged to your Account.

Purchase Protection Program is underwritten by Indemnity Insurance Company of North America Administrative Office, The Corporate Center 33 Resolución Street, Suite 500 San Juan, Puerto Rico 00920-2707. Coverage is determined by the Terms, Conditions, and Exclusions of policy 58US3762 and is subject to change with notice. This document does not supplement or replace the policy.

KEY EXCLUSIONS & LIMITATIONS Benefits are not payable if the loss for which coverage is sought was directly or indirectly, wholly or partially, contributed to or caused by:

• Intentional damage to the covered item;
• war or any act of war, whether declared or undeclared; 
• any activity directly related to and occurring while in the service of any armed military force of any nation state recognized by the United Nations;
• participation in a riot, civil disturbance, protest or insurrection;
•  violation of a criminal law, offense or infraction by the Cardmember;
• natural disasters, including, but not limited to, hurricanes, floods, tornados, earthquakes or any other event in the course of nature, that occurs at the same time or in  separate instances;
• fraud or abuse or illegal activity of any kind by the Cardmember;
• confiscation by any governmental authority, public authority, or customs official;
• negligent failure of a duty to care by any third party in whose possession the property purchased by a Cardmember has been temporarily placed;
• not being reasonably safeguarded by You;
• theft from baggage not carried by hand and under Your personal supervision or under the supervision of a traveling companion known by You;
• damage through alteration (including, but not limited to, cutting, sawing and shaping); 
• normal wear and tear, inherent product defect or manufacturer's defects or normal course of play;
• damage or theft while under the care and control of a common carrier;
• food spoilage;
• leaving property at an unoccupied construction site; or
• purchases lost or misplaced.

Deductible applicable to Purchase Protection Cover $75 per claim

If you need to extend the warranty of your purchases

Extended Warranty  will extend the terms of the Original Warranty for a period of time equal to the duration of the Original Warranty, up to one (1) additional year on warranties of five (5) years or less that are eligible in a Covered Territory*.

The coverage provided under this benefit is EXCESS of other sources of indemnity.

*Covered Territory means the 50 States of the United States of America, District of Columbia Commonwealth of Puerto Rico and the Virgin Islands of the United States.

Extended Warranty Program is underwritten by Indemnity Insurance Company of North America Administrative Office, The Corporate Center 33 Resolución Street, Suite 500 San Juan, Puerto Rico 00920-2707. Coverage is determined by the Terms, Conditions, and Exclusions of policy 58US3763 and is subject to change with notice. This document does not supplement or replace the policy.

KEY EXCLUSIONS & LIMITATIONS Benefits are not payable if the Loss for which coverage is sought was directly or indirectly wholly or partially, contributed to or caused by:

• any physical damage, including, but not limited to, damage as a direct result of natural disaster or a power surge, except to the extent the Original Warranty covers such damage;
• mechanical failure covered under product recall; or
•  fraud or abuse or illegal activity of any kind by the Cardmember

IMPORTANT INFORMATION: Descriptions of 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.

To review Terms and Conditions, please download