American Express Classic

Note: American Express is not accepting enrollments in American Express Travel Insurance or Global Travel Shield anywhere at this time (not just on our website). We apologize for the inconvenience.

Covering trips up to 31 days in length, the American Express Classic plan offers basic comprehensive trip protection before and during your travels. With both Trip Cancellation and Trip Interruption coverage, your investment is protected if you have to cancel or interrupt your trip for a covered reason such as an unexpected sickness or injury of a family member or a traveling companion. If you are concerned about a pre-existing condition (anything that has happened 60 days prior to the policy effective date), the pre-existing conditions exclusion will be waived if the plan is purchased within 14 days of the initial trip deposit, and all pre-paid non-refundable trip costs are insured. If you are not paying for the entire trip at once and will be making payments in stages, or if you plan to add an additional cost after purchase of the policy, you have to add those trip costs to the plan within 14 days of making them to keep the waiver valid.

Other coverage offered on the Classic plan:

  • Financial Default
  • Terrorism in Itinerary City
  • Baggage
  • Travel Delay
  • Medical
  • Emergency Evacuation
  • Accidental Death and Dismemberment.

To be eligible for this plan, travel must be by common carrier conveyance (such as an airline, cruise ship, or any other non-rental conveyance that is licensed to carry passengers for hire) and for the purpose of business or pleasure.

Please review the Privacy Disclosure prior to purchase.

The plan information below is nonspecific. To see actual amounts and to check plan availability, get a quote.

Plan Info
Plan Type
Comprehensive Plans
View Certificate
View Certificate
Refund Policy
Prior to Departure Date
Insurance Underwriter
AMEX Assurance Company
AM Best Rating
Years in Business

Coverage amounts are per person, unless otherwise noted.
Click a coverage to read details or view the full certificate.

Trip Protection
Trip Cancellation
Trip Cost*
Trip Interruption
Trip Cost*
Financial Default
7 day wait
Terrorism in Itinerary City
Foreign & U.S. Domestic
Cancel for Any Reason
Baggage Loss
$500 (secondary)
Baggage Delay
6+ hours
$200 max.
Travel Delay
Supplier Default
Medical Limit
$25,000 (secondary)
Complications of Pregnancy
Included in Medical (secondary)
Emergency Medical Expenses
Pre-Existing Conditions
Sudden Recurrence
If Insurance purchased within 14 days of Initial Trip Payment
Lookback Period
60 Days
Pre-Existing Condition Period
Medical Evacuation
$25,000 (secondary)
Evacuation from
Evacuation to
Evacuation criteria
Accidental Death
24-Hr Full Coverage
Common Carrier
Flight Only
Included in Accidental Death - Common Carrier
Additional Benefits
24-Hour Emergency Assistance
Rental Car

* Common Carrier Conveyance is Required
** Scheduled Airline purchase is required
Available to
U.S. Residents

Customer Ratings

Our customers rate the American Express Classic plan on our site

on average based on
315 reviews.

Better Business Bureau Rating

A.M. Best Rating

Latest Reviews

American Express
Fortunately, we did not need to file a claim with American Express for this trip. However, the plan documents were clear, the price was competitive, and the coverage was comprehensive. I would rate the overall experience as positive.
Linda B.
American Express
Upon arrival in Nicaragua, I contacted a severe upper respiratory virus. Not knowing if it was a 'flu', an MD evaluated me. I got a thorough exam along with prescriptions. American Express Classic was prompt in the reimbursement! I always ensure that I have trip cancellation/interruption insurance, but what I didn't for see was the need for trip delay coverage. I didn't have it and it cost me an additional $300.00 for a Miami airport hotel due to the closed airports during the January storm. If I travel again from the NE during the winter months, I will check policies to ensure that option would be available.
Jean Marie D.
American Express
I have file one claim in the past with American Express Classic and they paid quickly with no problems so I have faith in the plan.
Arthur W.
See all reviews

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