American Express offers four types of travel insurance and protections to its Gold Card holders: baggage insurance, car rental insurance, Accidental Death and Dismemberment Insurance, and trip delay insurance. The Gold Card provides coverage for lost or stolen baggage and up to $300 in reimbursements during a 12-hour delay. It also offers worldwide travel protection, available to the cardholder, their primary Supplementary Cardmember, and their immediate family at no additional charge.
The Amex Gold Travel benefits offer exclusive hotel perks, car rentals, and airport lounges. However, the benefits are not as robust compared to other travel credit cards like The Platinum. The Delta SkyMiles® Gold American Express Card includes car rental insurance and baggage protection but not trip cancellation or delay coverage.
The Delta SkyMiles® Gold American Express Card includes car rental insurance and baggage protection but not trip cancellation or delay coverage. The card covers loss or damage to checked-in or carry-on baggage and personal effects while in transit for up to a maximum of $500 per trip.
The Amex Gold card offers baggage, car rental, and trip delay insurance alongside AmEx Global Assist services. Worldwide travel insurance provides cover for the main cardmember, their partners, dependent children under 23 years old, and the primary supplementary cardmember. Travel protection is available for holidays that don’t always go to plan, and the Amex Gold card comes with trip delay insurance that provides up to $300 per trip for eligible expenses incurred after a 12-hour delay.
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In this video, we’re looking at all Amex Gold Card benefits and what you must do to get the most value from my favorite credit card …
Do you get Travel Insurance with American Express card?
American Express® Card offers travel benefits such as Travel Emergency Assistance, Travel Accident Insurance, and Flight Delay Insurance. However, in case of sudden medical emergencies outside your home province or territory, your provincial health plan may only cover a portion of the costs, leaving you responsible for the rest. Travel Medical Insurance can cover eligible expenses above and beyond your provincial health plan. It is recommended to purchase travel insurance before traveling outside your home province or territory to protect in case of a medical emergency.
If you plan to pre-pay for travel arrangements, consider purchasing trip cancellation/trip interruption coverage to protect your investment. Travel insurance can cover up to 365 days, provided you obtain written permission from the provincial government to maintain coverage beyond the regular maximum.
Do I get Travel Insurance with AmEx Gold?
Enjoy worldwide travel protection for your Gold ® Card, your primary Supplementary Cardmember, and immediate family at no additional charge. This protection is available whether or not you pay for your travel on your Gold ® Card. For details on applying for your Card on the American Express website, responding to mail or email, or through a private bank branch within the European Economic Area (EEA), refer to the orange section. For those applying with a bank outside the EEA, refer to the brown section.
Does American Express Gold Card have insurance?
The Gold Rewards Card offers coverage for theft, loss, and damage to rental cars with an MSRP of up to $85, 000 for 48-day rentals. To avail this protection, decline the Collision Damage Waiver or Loss Damage Waiver offered by the car rental agency. Additionally, you can receive up to $500, 000 of Accidental Death and Dismemberment Insurance when fully charging common carrier tickets to your Gold Rewards Card. To submit a claim, call 1-877-777-1544.
What does Amex Gold give you?
The American Express Gold Card offers a generous range of benefits, including points in the American Express Membership Rewards program, a welcome offer, and perks like Uber Cash and dining credits. The card also provides purchase protections and travel insurances. Cardholders can earn 4X points on purchases at U. S. supermarkets and restaurants worldwide, 3X points on flights booked directly with airlines or via American Express Travel, and 1X points on other purchases.
The card’s annual fee is $325, but it also provides a lucrative welcome offer and a range of perks, including up to $120 in Uber Cash credits and dining credits. To maximize the card’s benefits, it is essential to understand the eligibility requirements and how to maximize the card’s overall benefits.
Does Amex provide ticket insurance?
AmEx offers various levels of trip insurance, with high-end cards like The Platinum Card® providing the best benefits, including trip cancellation travel insurance. American Express is known for its generous benefits, including statement credits, elevated earnings on dining or hotel elite status, and travel insurance. AmEx trip cancellation insurance covers the cost of a trip, including cancellation fees, if the travel is canceled due to unforeseen circumstances.
Is Amex Gold card luxury?
The American Express Gold Card is a luxury credit card that offers impressive rewards on dining, groceries, and travel. It requires good credit and charges a high annual fee of $325. The card rewards customers with 4 points per $1 spent at U. S. supermarkets, 4 points per $1 at restaurants worldwide, 3 points per $1 on flights, 2 points per $1 spent on prepaid hotels, and 1 point per $1 on all other eligible purchases. It also provides an initial bonus of 60, 000 points for spending $6, 000 in the first 6 months, 20 back in statement credits on eligible purchases made at restaurants worldwide, and up to $100 back.
The card also offers up to $10 in statement credits each month for eligible dining purchases, $10 in Uber Cash each month for Uber Eats orders or rides in the U. S., and $100 hotel experience credit with a minimum two-night hotel stay booked through American Express Travel. Although not the most exclusive Amex card, the Amex Gold card is considered one of Amex’s best credit cards for high spenders.
What does the Amex Gold Card give you?
The card offers four Membership Rewards® points for each dollar spent at restaurants, four points for each dollar spent at US supermarkets, and three points for each dollar spent at other retailers. The first point is accrued on January 1, 2025.
Is American Express Gold good for travel?
The American Express® Gold Card is a premier travel rewards card offering a multitude of dining and travel benefits, making it an attractive option for high-income individuals with a $325 annual fee. The card offers excellent everyday categories and monthly credits, which makes it a leading option for those with a penchant for culinary experiences.
Do credit cards automatically have travel insurance?
Credit card travel insurance is a benefit often included with travel rewards credit cards, such as the Chase Sapphire Preferred® Card, Chase Sapphire Reserve®, or The Platinum Card® from American Express. It covers various incidents that may impact your trip, allowing you to be reimbursed for all or a portion of related expenses. The coverage varies by card, and may include trip interruption or cancellation, trip delays, baggage delays, damaged or lost luggage, illness or injury, rental car accident or loss, emergency support, and emergency medical evacuation protection.
Trip interruption or cancellation coverage protects you if your travels are interrupted or canceled due to covered reasons, such as illness or severe weather. Trip delays cover you if your flight is delayed and you must pay for meals or lodging. Baggage delays reimburse you for essential items, while damaged or lost luggage covers associated costs. Illness or injury coverage reimburses you for healthcare costs if you get sick or injured during your trip. Rental car accident or loss coverage reimburses you for loss or damages. Emergency support coverage can protect you if you need to be transported by ambulance to the nearest hospital.
Do I get Travel Insurance with AmEx Gold?
The American Express Gold Card provides transportation accident and travel insurance coverage for each trip when the full fare is paid for the return journey using American Express Membership Rewards points or the travel benefit.
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I booked a hotel with a no cancellation policy and a few weeks later found the same hotel significantly cheaper for the date I was staying. I got on the phone with Amex and the rep put me on hold, called the hotel manager, and got them to cancel the reservation so I could re-book at the lower price. Amex customer service really is top tier.
I bought a computer monitor from Amazon, after 45 days of purchase, I found out that the audio was not working in the monitor. I talked to Amazon, they gave me an option to return it, even after the return period was over. But since I needed a monitor all the time for my work, I told them I need the monitor all the time, so if they could send an replacement & collect the faulty. They couldn’t do that, so they refunded me 20% of the price of monitor & let me keep the monitor. Still, the issue remained, I can’t get the monitor repaired for the amount amazon gave me, hence I filed purchase protection with Amex. I couldn’t believe what happened next morning, they credited the full amount of the monitor to my card, even though I mentioned that I already have 20% from Amazon, without asking for any proof!! No wonder Amex is the top player in credit card game!
Unless I missed it I did not hear a word about the extended warranty benefits. I have literally saved hundreds of dollars over the years. Amex Gold will double the manufactures warranty up to 1 additional year if the item you purchase has a warranty of 5 years or less. If you purchase an extended warranty for an appliance the extra year is added on AFTER the extended warranty ends provided that the extended warranty is for 5 years or less. So you could have an appliance covered for 6 years!
If John keeps advertising the secrets of the return protection, that benefit will mysteriously disappear. The special offers are great to keep an eye on. I always whenever I am going to make a big purchase (or at least anything I would classify as non-essential). The problem though is 99% of the time they are for very niche companies/brands. And then when there is a good one for say like Walmart, its only if you purchase through the website and not in store. Which may not always be a viable option. Definitely worth a few minutes checking out though since you never know 🤷♂️
Amex actually refunded a purchase the seller refused to refund when returned. I bought some galaxy buds2 pro. Got them and didn’t like the fit. Contacted seller to return them. Seller refused to return. Contacted amex, they took up the claim for me and I got a full refund. And kept my rakuten points on top.
I forgot my AirPods Pro 2 at the gym in one of the machines because it died on me and I didn’t have a pocket. I asked amex if they could refund it somehow since it was lost/stolen but I never got any compensation from it since it was only good for 3 months. Amex gold purchase insurance isn’t as useful to be honest. I only had my AirPods for 7 months and their insurance only covers until 90 days. Although I love the idea of x4 in grocery and restaurants, their insurance isn’t useful at all.
There are many reasons to love the Amex Gold card, but it’s definitely not a card for everyone. Just be sure to make sure you’ll naturally get positive value from the credits on this card and that you want to use your Amex MR points for travel and then enjoy these added benefits alongside that! Great article once again John!
Hey John, Love your articles, very informative, big fan, please keep up the good work. So I’ve been considering applying for the AMEX Gold Card and I find myself torn between two offers. The first one is through referral links, which offers a reward of 90,000 points after spending $4,000 in the first six months. The second one is a deal from Resy, where I would earn 75,000 Membership points after spending the same amount in the same timeframe, and also receive a 20% statement credit on restaurant purchases, potentially amounting to $250 back in my first year of Card Membership. I’m under the impression that this $250 could be viewed as the equivalent of an extra 25,000 points, making it a total of 100,000 reward points. So, I’m essentially comparing a straightforward reward of 90,000 points with no conditions, to a potentially larger but conditional reward of 100,000 points. I’m keen to hear your thoughts on whether I’m interpreting these offers correctly and which one you think might be more advantageous for me.
America express gold is good best I hope get $100 every 3weeks then 4th and 5th per week I try get 6 I would like to apply to America express gold I will not get America express gold in USA I stay in Regina, Saskatchewan, Canada then The America express gold Center will mail to me then I get mailed with letter with new america express gold If not work in USA center mails me I get rewards with america express gold If not work open with join Try to get america express gold card