American Express Platinum

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.

Offering the highest limits of coverage of the American Express plans, the Platinum plan includes high limits for Medical, Emergency Medical Evacuation and Accidental Death and Dismemberment coverage. This includes AD&D 24 hour coverage, while on a common carrier, and also while on a flight. You are able to name beneficiaries, to whom this life insurance benefit would be paid to.

As with the Gold plan, the Cancel for Business Reasons option is offered if you are concerned that you might have to cancel your trip for a covered, unforeseen work related issue. To be eligible for this option, you must purchase the plan within 14 days of the initial trip deposit.

Another benefit with the Platinum plan is that your bags only need to be delayed for three or more hours for the baggage delay coverage to become active. This coverage is helpful to reimburse you for necessities that you may have to purchase if you arrive at your destination, but your bags don’t.

In regards to Trip Delay coverage, as with the Gold plan, you must be traveling on a scheduled airline during the trip to be eligible for benefits in the event of a covered delay.

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
14 Day Review Period
Insurance Underwriter
AMEX Assurance Company
AM Best Rating
A
Years in Business
41

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 + 50%
Financial Default
7 Day Wait
Terrorism in Itinerary City
Foreign & U.S. Domestic
Cancel for Any Reason
Not Available
Baggage Loss
$2,500 (secondary)
Baggage Delay
3+ hours
$500
(secondary)
Travel Delay
6+ hours
$300/day; $1,000 max.*
(secondary)
Supplier Default
Medical
Medical Limit
$100,000 (secondary)
Complications of Pregnancy
Terrorism
Dental
$750 max
Included in Medical
(secondary)
Emergency Medical Expenses
Pre-Existing Conditions
Sudden Recurrence
Waiver
If Insurance purchased within 14 days of Initial Trip Payment
Lookback Period
90 Days
Pre-Existing Condition Period
Evacuation
Medical Evacuation
$1,000,000 (secondary)
Evacuation from
Evacuation to
Evacuation criteria
Accidental Death
24-Hr Full Coverage
$200,000
Common Carrier
$200,000
Flight Only
Included in Accidental Death - Common Carrier
Additional Benefits
24-Hour Emergency Assistance
Yes
Rental Car

Cancel For Business Reasons[Requires purchase within 14 days of Initial Trip Payment (+$)]
* Scheduled Airline Required
Available to
U.S. Residents

Customer Ratings


Our customers rate the American Express Platinum plan on our site

(4.59)
on average based on
16 reviews.

Better Business Bureau Rating
A

A.M. Best Rating
A

Latest Reviews

American Express
Platinum
The coverage was a good price. My trip went well so I did not need to submit a calm, but would recommend coverage for all travel plans that are out side of the continental US.
Robert S.
American Express
Platinum
Compared to coverage by the group I traveled with, the coverage was better and the price lower
Nancy B.
American Express
Platinum
Fortunately I didn't have to use the plan but felt safer having it.
Mary R.
See all reviews

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