No trip cancellation coverage. This benefit is not included with the American Express Business Green Rewards Card. All prepaid, non-refundable trip costs are the cardholder's financial responsibility regardless of the reason for cancellation.
Amex Business Green benefits: what insurance coverage do you actually get?
American Express·$150/year·American Express·AMEX Assurance Company / New Hampshire Insurance Company (AIG)
Pauline LauroreAuthor of HelloSafe's card insurance reviewsUpdated June 11, 20268 min read
1,0/5Independent review · verified June 2026
0,4
2,8
0,0
Our Verdict · Travel Insurance
Our opinion on American Express Business Green Rewards Travel Insurance
Expert review · Pauline LauroreAuthor of HelloSafe's card insurance reviews
Delay only. No cancellation, no medical. This is a rewards card; the travel insurance is a thin layer that rarely fires at a 12-hour trigger and $300 cap per trip. Most cardholders assume the Global Assist Hotline covers something abroad. It provides referrals, not payments, and a foreign ER bill averages $15,000 to $60,000 with no card coverage. Standalone travel medical insurance starts at $100,000 per person for international trips. For domestic short-haul business travel, this card gives a delay baseline and secondary baggage coverage; anything international requires a separate policy.
What works on travel
- $300 trip delay reimbursement: covers meals, lodging, toiletries, and medication when a covered delay exceeds 12 consecutive hours
- $1,250 carry-on baggage protection: secondary coverage for lost, damaged, or stolen cabin luggage on covered trips
- $50,000 rental car CDW included: secondary collision and theft coverage for rentals up to 30 days
Where travel breaks down
- No trip cancellation: non-refundable business trips are unprotected regardless of the reason for cancellation
- 12-hour delay trigger: among the highest thresholds for a business card, so the $300 benefit fires infrequently on routine routes
- No emergency medical abroad: the Global Assist Hotline provides referrals only, zero financial coverage for hospital bills or evacuation
- No trip interruption coverage: additional costs to cut a trip short are entirely out of pocket
Our methodology
Every score is derived from official bank documents: terms and conditions, benefit guides, and claim procedures. No commercial relationship influences our ratings.
Travel Insurance · 11 guarantees
What does American Express Business Green Rewards Travel Insurance actually cover?
Quality, not just caps
No trip cancellation exists on this card. A non-refundable $4,000 business trip is entirely at risk if you need to cancel for any reason.
No emergency medical insurance on this card. Every dollar of any hospital bill abroad is the cardholder's responsibility. A serious ER visit in Japan or Europe runs $15,000 to $80,000.
No emergency medical coverage. The Global Assist Hotline provides referrals and coordination only. It does not pay for or directly arrange medical treatment. All medical, hospital, dental, and prescription costs incurred abroad are the cardholder's full financial responsibility.
No evacuation coverage. The Global Assist line connects you to providers but pays zero. An air ambulance from Asia or Europe can exceed $200,000.
No emergency evacuation coverage. The Global Assist Hotline can provide referrals and logistical information in an emergency, but it pays nothing. All evacuation transport costs are entirely the cardholder's responsibility.
No trip interruption coverage. This benefit is not included with this card. Any additional costs to cut a trip short and return home early are the cardholder's responsibility.
The 12-hour trigger means most domestic delays clear before the benefit fires. The $300 cap covers roughly one hotel night.
Trip must be charged in full to the Business Green Rewards Card (or in combination with Membership Rewards points, vouchers, or frequent flyer discounts) Delay must exceed 12 consecutive hours Covered causes: inclement weather, terrorist action or hijacking, Common Carrier equipment failure, lost or stolen passports or travel documents Eligible expenses: meals, lodging, toiletries, medication, and other personal use items
Coverage reimburses up to $300 for reasonable additional expenses including meals, lodging, toiletries, medication, and personal use items when a covered trip is delayed more than 12 consecutive hours. Covered causes include inclement weather, terrorist action or hijacking, Common Carrier equipment failure, and lost or stolen travel documents. Coverage is secondary to any carrier-provided compensation such as vouchers, exchanged tickets, or refunds. Maximum 2 claims per card per 12-month period.
Recommended : $500
What's not covered
- Covered losses known to the traveler prior to departure
- Expenses paid before the covered trip began
- Loss due to intentional acts by the eligible traveler
- Expenses not authorized and reimbursable by the employer when using a commercial card
No missed connection coverage. This benefit is not included with this card. If a delayed inbound flight causes you to miss a connecting flight, rebooking costs and additional expenses are not covered.
No early return home benefit. This benefit is not included with the American Express Business Green Rewards Card. Additional transportation costs from cutting a trip short in an emergency are entirely out of pocket.
No baggage delay benefit. This benefit is not included with the American Express Business Green Rewards Card. Essential purchases during a checked baggage delay are out of pocket.
Coverage is secondary. The airline settles first, and the card covers the remaining gap only. The $500 cap on checked bags falls well below the airline's own domestic liability limit of $3,800.
Trip must be purchased with the American Express Business Green Rewards Card Loss must be reported to the carrier before leaving the airport terminal Property Irregularity Report (PIR) required for baggage claims
Coverage reimburses up to $1,250 for carry-on (cabin) baggage and up to $500 for checked baggage lost, damaged, or stolen during a covered trip. Coverage is provided by AMEX Assurance Company and is secondary to any airline reimbursement or other applicable insurance. Report the loss to the carrier before leaving the baggage claim area and obtain a Property Irregularity Report to support a claim.
Recommended : $3,000
What's not covered
- Pre-existing damage or normal wear and tear
- Items left unattended in public areas
- Coverage does not apply if trip was not charged to the card
No travel accident insurance. Accidental death and dismemberment (AD&D) coverage is not included with the American Express Business Green Rewards Card.
No hotel theft protection. This benefit is not included with this card. Personal belongings stolen from a hotel room are not covered.
Policy document
We source benefits from official card guides, but PDFs are sometimes hard to obtain or update. Spotted something off?
Coverage Radar
Where the American Express Business Green Rewards wins, where it loses
Coverage snapshot for this tab — click any layer to highlight its scores.
Compare
Business Green RewardsThis card1.0/5?
$150/yrWith travel insuranceIdeal
Complete coverage · 5.0 / 5Premium card avg.
$150 avg. annual feeClick a layer to highlight its scores on the radar.
Side-by-side comparison
How the American Express Business Green Rewards stacks up against the alternatives
Same 5 coverage dimensions, ranked head-to-head against the cards most Business Green Rewards shoppers also consider.
| Card | This card Business Green Rewards American Express · $150/yr 1.0/5? | Hilton Honors Aspire American Express · $550/yr 2.9/5? | Aeroplan Chase · $95/yr 3.2/5? | Sapphire Reserve Chase · $795/yr 3.9/5? |
|---|---|---|---|---|
Trip cancellation Per person, per trip cap | Not covered Cover this gap → | $10,000 per trip 7 covered reasons | $1,500 per person All prepaid travel | $10,000 per person 13 covered reasons |
Emergency medical Hospital bills abroad | Not covered Cover this gap → | Not covered | $2,500 Reimbursement only | $2,500 | $50 deductible $50 deductible |
Emergency evacuation Air ambulance + repatriation | Not covered Cover this gap → | Not covered | $100,000 Pre-auth required | $100,000 | pre-auth required Pre-authorization required |
Trip delay trigger Hours before benefits kick in | 12h / $300 Trigger: 12 hours | 6h / $500 Trigger: 6 hours | 12h / $500 Trigger: 12 hours | $500 after 6 hours Trigger: 6 hours |
Rental CDW Primary or secondary | Secondary / $50,000 Secondary coverage | Primary (intl) / $75,000 Primary outside US | Secondary / $75,000 Secondary CDW | Primary / $75,000 Primary coverage |
StrongLimited / misleadingNot covered
Data verified against each card's Guide to Benefits, May 2026.
Cardholder reviews
What cardholders say about the American Express Business Green Rewards
RA
r/amex
Baggage insurance worked, got $380 back
For a $150 annual fee, the travel benefits are decent. Used the baggage insurance once for a lost checked bag: secondary coverage kicked in after the airline paid their limit. Got an additional $380 back. Didn't expect much.
RS
r/smallbusiness
Trip delay paid $300 after 14h in Miami
The trip delay benefit paid $300 after a 14-hour delay in Miami. Simple claim through AIG, documented the delay with a carrier statement, submitted hotel and meal receipts. Took about 3 weeks.
RA
r/amex
Rewards card with a thin travel layer
No trip cancellation, no purchase protection, no extended warranty. This is a rewards card with a thin travel layer. If you have any significant prepaid travel, you are not protected. Upgrade to Business Gold at minimum for purchase protection.
WA
WalletHub
Upgraded to Business Gold within a year
I upgraded to the Business Gold within a year. The Green's insurance was basically useless for my travel needs. The $225 difference in annual fee pays for itself with the actual protections you get.
Emergency · Card assistance line
How to contact American Express Business Green Rewards assistance?
24/7 referral and coordination. No financial coverage for medical or evacuation costs.
United States
1-800-228-6855
Free · 24/7
International
+1-715-343-7977 (collect)
Free · 24/7
Benefit administrator: New Hampshire Insurance Company (AIG): Trip Delay | AMEX Assurance Company: Lost Baggage and Car Rental CDW
Claims & pre-authorizations
How to file a Business Green Rewards claim
1
File trip delay immediately
For trip delay, file at aig.claimnotify.com/americanexpress or call AIG at 1-844-933-0648. The 60-day filing window starts the day of the delay, not the day you return home.
2
Report lost bags to the carrier first
For lost luggage, report the loss to the carrier before leaving the baggage claim area and obtain a Property Irregularity Report (PIR). Then file with AMEX Assurance Company within 30 days.
3
Gather your documents
Collect your card billing statement showing the charge, carrier delay or loss confirmation, itemized receipts for all claimed expenses, and the PIR for baggage claims.
4
Submit within the deadline
Trip Delay: 60 days from the delay. Lost Luggage: 30 days from the loss. CDW: contact AMEX Assurance Company at americanexpress.com/protectionbenefits or 1-800-338-1670 within 30 days of the incident. Late submissions will be denied.
FAQ
What people ask about the American Express Business Green Rewards
- No enrollment is required. Trip delay and lost baggage coverage activate automatically when you charge the full cost of a covered trip to your Business Green Rewards Card (or combine it with Membership Rewards points, vouchers, or frequent flyer certificates). For rental car CDW, pay the entire rental with the card and decline the collision damage waiver at the counter before picking up the vehicle. There is no phone call, activation code, or registration step. All benefits are included at no additional charge as a card feature.
- The trip delay benefit covers the primary cardholder and their family members, defined as a spouse, domestic partner, or dependent child under age 19 (or up to age 26 if a full-time student at an accredited college). A Traveling Companion who made advance arrangements to travel with you or your family members for all or part of the covered trip is also eligible. Rental car CDW applies when the primary cardmember is the named renter on the rental agreement. Additional cardmembers on the same account should confirm their eligibility directly in the Guide to Benefits.
- The rental car benefit provides secondary collision damage waiver (CDW) coverage up to $50,000. To activate it, decline the rental agency's CDW or loss damage waiver at the counter and pay the full rental cost with the Business Green Rewards Card. Secondary coverage means your personal auto insurance responds first; the card covers remaining eligible damage up to $50,000. Rentals must not exceed 30 consecutive days. Coverage is provided by AMEX Assurance Company. Liability for injury or property damage to third parties is not included. Cardholders without personal auto insurance effectively have the card as the sole payer.
- For trip delay insurance, notify AIG within 60 days of the delay by calling 1-844-933-0648 or visiting aig.claimnotify.com/americanexpress. Required documentation includes a carrier statement confirming the delay, copies of your airline tickets, your card charge receipt, and itemized receipts for all expenses claimed. Submit full proof of loss within 180 days. For rental car and baggage claims, contact AMEX Assurance Company at americanexpress.com/protectionbenefits or 1-800-338-1670. Document everything on the day of the incident: get the carrier delay statement before leaving the airport and keep all receipts dated.
- The Business Green Rewards Card does not include trip cancellation, trip interruption, emergency medical coverage abroad, emergency medical evacuation, baggage delay, travel accident insurance (AD&D), purchase protection, extended warranty, or cell phone protection. The Global Assist Hotline provides referrals and coordination only and pays nothing. The card's complete travel protection is a $300 trip delay benefit after 12 hours and $1,250 secondary coverage on lost carry-on bags. Cardholders booking non-refundable international travel or buying business equipment regularly should account for these gaps separately.
- No. Trip cancellation insurance is not included with the American Express Business Green Rewards Card. If you need to cancel a prepaid, non-refundable trip for any reason, including illness, a weather event, or a scheduling conflict, there is no card benefit to cover those costs. The card's travel protection starts after departure with a $300 trip delay benefit that triggers after 12 hours. Cardholders who book non-refundable business travel out of pocket should consider a standalone travel insurance policy. A one-week trip policy with cancellation coverage typically costs $100 to $300 depending on trip value and destination.
- No. Purchase protection is not included with the American Express Business Green Rewards Card. Items bought with the card have no coverage against theft or accidental damage from the card. This is the most significant gap relative to higher-tier Amex business cards. If your business regularly purchases equipment, electronics, or other items where theft or damage coverage matters, consider a card that includes purchase protection and extended warranty benefits.
- Yes, for international travel. The Business Green Rewards Card does not include emergency medical or evacuation coverage. The Global Assist Hotline provides referrals to local medical providers but pays nothing. A standard emergency room visit abroad costs $15,000 to $80,000 depending on country and treatment. A medical evacuation can exceed $100,000. Standalone travel medical insurance for a one-week international trip starts at $40 to $80 per person. For any international business trip, separate medical coverage is a practical necessity when carrying only this card.
- Secondary. Your personal auto insurance must respond first if a covered rental vehicle is damaged or stolen. The card covers remaining eligible damage up to $50,000 after your personal insurer has paid. For cardholders without personal auto insurance, the benefit effectively functions as the only available payer. Business travelers who prefer primary CDW coverage with no personal policy interaction should look at cards that offer primary CDW, which handles the rental claim directly without involving your personal insurer.
Not just American Express
Other cards worth considering
Business Green Rewards is a strong choice — but depending on what you prioritize, one of these may suit you better.
Sapphire Reserve
Chase
Sapphire Reserve Business
Chase
Ritz-Carlton
Chase
Prestige
Citi
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