Trip Cancellation insurance is not included on the American Express Delta SkyMiles Platinum Business Card. Prepaid non-refundable Delta fares and hotel bookings canceled for any reason generate no reimbursement from the card.
Delta SkyMiles Platinum Business: what insurance do you actually get?
American Express·$350/year·American Express·AMEX Assurance Company / New Hampshire Insurance Company (AIG)
Pauline LauroreAuthor of HelloSafe's card insurance reviewsUpdated June 11, 20268 min read
1,6/5Independent review · verified June 2026
1,0
3,1
2,5
Our Verdict · Travel Insurance
Our opinion on American Express Delta SkyMiles Platinum Business Travel Insurance
Expert review · Pauline LauroreAuthor of HelloSafe's card insurance reviews
Delay $300. No cancel, no medical. Here's what that means for a Delta business traveler. The American Express Delta SkyMiles Platinum Business Card is built for businesses with teams that fly Delta regularly. The free checked bags, companion certificate, and Medallion Qualification Dollar accelerator are where the $350 annual fee pays for itself. The travel insurance layer is thin. Trip Delay Reimbursement covers up to $300 for meals and lodging when a Delta or other Common Carrier flight is delayed 12 or more hours. The 12-hour threshold is difficult to trigger on most routes. Delta resolves the majority of weather delays under 10 hours domestically. The benefit is further limited to 2 claims per 12 consecutive months. Lost Baggage covers up to $1,250 for carry-on bags and $500 for checked bags when the carrier loses, steals, or damages them (secondary to the airline's settlement). There is no trip cancellation, no trip interruption, no emergency medical coverage abroad, and no evacuation assistance. Business travelers who book non-refundable group fares or travel internationally should carry a standalone travel policy. File trip delay claims at aig.claimnotify.com/americanexpress within 60 days. For lost luggage, file with AMEX Assurance Company within 30 days.
What works on travel
- Trip Delay Reimbursement: up to $300 for meals and lodging after a 12-hour delay on a Common Carrier fare charged to the card
- Lost Luggage: up to $1,250 for carry-on bags and $500 for checked bags lost or damaged by the carrier, secondary to airline settlement
- Global Assist Hotline: 24/7 referral and coordination at 1-800-228-6855
Where travel breaks down
- No trip cancellation: prepaid Delta group fares and conference bookings canceled for illness or project cancellation are unprotected
- No trip interruption: no reimbursement if a business trip must be cut short
- No emergency medical coverage: all hospital and physician costs abroad are the cardholder's full responsibility
- No evacuation coverage: coordination only, all transport costs fall on the cardholder
- 12-hour delay threshold: most domestic Delta delays do not reach this trigger
- Capped at 2 claims per 12 months: business travelers who fly frequently can exhaust this limit early
- Lost luggage is secondary: Delta pays out first, card covers only the remaining gap
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 · 8 guarantees
What does American Express Delta SkyMiles Platinum Business Travel Insurance actually cover?
Quality, not just caps
Trip Interruption insurance is not included on the American Express Delta SkyMiles Platinum Business Card.
Entire or partial cost of Common Carrier fare charged to the card Delay must exceed 12 consecutive hours Covered causes: inclement weather, terrorist action or hijacking, Common Carrier equipment failure, or lost or stolen travel documents Covered expenses: meals, lodging, toiletries, medication, and personal use items Maximum 2 claims per 12 consecutive months File at aig.claimnotify.com/americanexpress within 60 days of the delay
Trip Delay Reimbursement covers up to $300 for meals, lodging, toiletries, medication, and personal use items when a Common Carrier trip is delayed 12 or more consecutive hours. Maximum 2 claims per 12 consecutive months. Underwritten by New Hampshire Insurance Company (AIG).
Recommended : $500
What's not covered
- Covered losses known to the traveler prior to departure
- Expenses paid before the covered trip began
- Losses due to intentional acts by the eligible traveler
- Expenses not authorized and reimbursable by the employer when using a commercial card
Baggage Delay coverage is not specified for the American Express Delta SkyMiles Platinum Business Card. Note: Delta SkyMiles Platinum Business cardholders receive up to 3 free checked bags for the cardholder and traveling companions on the same reservation. This is a complimentary baggage benefit, not a delay insurance benefit.
Emergency Medical coverage is not included on the American Express Delta SkyMiles Platinum Business Card. The Global Assist Hotline provides 24/7 referral and coordination, but all hospital, clinic, and physician costs abroad are entirely the cardholder's financial responsibility.
Emergency evacuation and repatriation assistance is not financially covered. The Global Assist Hotline (1-800-228-6855, 24/7) provides referral and coordination services, but all actual transport costs for medical evacuation and repatriation of remains are the cardholder's full responsibility.
Travel Accident Insurance (AD&D) is not included on the American Express Delta SkyMiles Platinum Business Card.
Baggage must be in the care of a Common Carrier whose fare was charged to the card Report loss or damage to the carrier immediately and obtain a Property Irregularity Report (PIR) File claim with AMEX Assurance Company within 30 days of the loss
Lost Baggage Reimbursement covers up to $1,250 per trip for carry-on baggage and up to $500 per trip for checked baggage when the Common Carrier loses, steals, or damages the bags. Coverage is secondary to Delta's or the carrier's settlement. Underwritten by AMEX Assurance Company.
Recommended : $3,000
What's not covered
- Money, securities, credit cards, tickets, passports, and travel documents
- Eyeglasses, contact lenses, hearing aids, and prosthetics
- Perishables and consumables
- Motorized vehicles and their accessories
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 Delta SkyMiles Platinum Business wins, where it loses
Coverage snapshot for this tab — click any layer to highlight its scores.
Compare
Delta SkyMiles Platinum BusinessThis card1.6/5?
$350/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 Delta SkyMiles Platinum Business stacks up against the alternatives
Same 5 coverage dimensions, ranked head-to-head against the cards most Delta SkyMiles Platinum Business shoppers also consider.
| Card | This card Delta SkyMiles Platinum Business American Express · $350/yr 1.6/5? | Hilton Honors Aspire American Express · $550/yr 2.9/5? | Ritz-Carlton Chase · $450/yr 3.6/5? | 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 | $10,000 per person All prepaid travel (hotels + flights) | $10,000 per person 13 covered reasons |
Emergency medical Hospital bills abroad | Not covered Cover this gap → | Not covered | $2,500 Reimbursement only, $50 deductible | $2,500 | $50 deductible $50 deductible |
Emergency evacuation Air ambulance + repatriation | Not covered Cover this gap → | Not covered | $100,000 Pre-authorization required | $100,000 | pre-auth required Pre-authorization required |
Trip delay trigger Hours before benefits kick in | Covered Trigger: 12 hours | 6h / $500 Trigger: 6 hours | 6h / $500 Trigger: 6 hours or overnight stay | $500 after 6 hours Trigger: 6 hours |
Rental CDW Primary or secondary | Covered $50,000 limit | Primary (intl) / $75,000 Primary outside US | Primary / $75,000 Primary coverage worldwide | 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 Delta SkyMiles Platinum Business
RB
r/businesstravel
Free bags pay for the annual fee
The free checked bags for the whole team is what makes this card worth it for our company. We put 6 people on Delta flights every month: the bag savings alone cover the annual fee many times over. The trip delay benefit is a nice extra.
RD
r/delta
Trip delay reimbursement worked
Trip delay benefit triggered after a 13-hour weather delay in Atlanta. Filed through the AIG portal within 60 days, submitted hotel and dinner receipts plus the carrier delay statement. Received $300 about 3 weeks later.
RA
r/amex
No trip cancellation is a real gap
$350 a year and no trip cancellation. Our company had to cancel $6,000 in prepaid airfare for a client project that fell through: zero coverage. That one missed reimbursement would have paid for multiple years of a higher-tier card.
UP
UpgradedPoints
12-hour threshold rarely triggers
The 12-hour delay threshold rarely triggers on Delta flights. Most weather delays clear before then. If you travel for work regularly, you need a card with a 6-hour threshold to actually benefit from trip delay coverage.
Emergency · Card assistance line
How to contact American Express Delta SkyMiles Platinum Business 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 claim
1
File trip delay on the day of the incident
For trip delay, file at aig.claimnotify.com/americanexpress or call AIG at 1-844-933-0648. The 60-day deadline runs from the date of the delay, not from your return date.
2
Report lost bags to Delta at the airport
For lost luggage, report the loss to Delta's baggage service office before leaving the airport and obtain a Property Irregularity Report (PIR). Then file with AMEX Assurance Company within 30 days.
3
Collect your documentation
Gather your card billing statement showing the Delta charge, carrier delay confirmation or PIR, itemized list of lost items with original purchase values, receipts for claimed delay expenses, and police report for theft claims.
4
Submit within the filing window
Trip Delay: 60 days from the delay. Lost Luggage: 30 days. Purchase Security: 60 days from the incident. CDW: 30 days from the rental incident. Submissions past the deadline will be denied.
FAQ
What people ask about the American Express Delta SkyMiles Platinum Business
- Travel insurance benefits on the American Express Delta SkyMiles Platinum Business Card activate automatically when you charge a Common Carrier fare to the card. No pre-registration is required. For Trip Delay, the delay must reach 12 hours. For Lost Luggage, the bags must be in the carrier's care and the fare must be charged to the card. For rental car CDW, actively decline the rental company's CDW at the counter and charge the full rental to the card. For Purchase Security, simply buy the item with the card.
- The primary cardholder and additional cardholders on the account are covered under travel and purchase protection benefits. Family members traveling on the same itinerary may be covered under certain travel benefits. Refer to the benefit guide for specific definitions. For the complimentary checked bag benefit, up to 8 companions on the same reservation as the cardholder receive the free bag perk (up to 3 free checked bags per person).
- No. The complimentary checked bag benefit (up to 3 free bags for cardholder and companions on the same reservation) is a Delta loyalty benefit, not a travel insurance benefit. Trip delay coverage is separate and requires a delay of 12 or more hours on any Common Carrier fare charged to the card. The free bag perk applies at check-in regardless of any delay.
- The American Express Delta SkyMiles Platinum Business Card provides secondary CDW (Collision Damage Waiver) coverage up to $50,000 for rentals of 30 consecutive days or less. Decline the CDW at the counter and charge the full rental to the card. Secondary means your personal auto insurer pays first. The card then covers your deductible and the remaining gap up to $50,000.
- File at aig.claimnotify.com/americanexpress or call AIG at 1-844-933-0648. File on the day of the delay. The 60-day deadline runs from the delay date, not from when you return home. You will need your card billing statement showing the Delta fare, the carrier's delay confirmation (flight delay certificate or similar), and receipts for all meals and lodging claimed.
- The American Express Delta SkyMiles Platinum Business Card does not cover trip cancellation, trip interruption, baggage delay, emergency medical expenses abroad, emergency evacuation, repatriation, or travel accident insurance. The Global Assist Hotline provides coordination only, with no financial support for medical or evacuation costs. Cell phone protection is not included. The 12-hour delay threshold and 2-claim annual cap limit the trip delay benefit significantly for frequent travelers.
- No. Trip Cancellation is not included on the American Express Delta SkyMiles Platinum Business Card. A canceled $4,000 group Delta fare for a company offsite generates zero reimbursement from the card. Business teams who book non-refundable fares for multiple employees should carry a standalone travel policy or consider a higher-tier Amex business card with trip cancellation coverage included.
- Yes, for any business trip with significant prepaid costs or international travel. The card provides no trip cancellation, no emergency medical coverage, and no financial support for evacuation. For domestic travel with only flexible fares, the card's trip delay ($300/12h) and lost luggage ($1,250/$500) benefits provide limited supplemental value. For international trips or any booking with non-refundable costs, a standalone travel insurance policy is strongly recommended.
Not just American Express
Other cards worth considering
Delta SkyMiles Platinum Business is a strong choice — but depending on what you prioritize, one of these may suit you better.
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