Trip Cancellation and Interruption Insurance reimburses up to $10,000 per Covered Trip for nonrefundable amounts paid to any Travel Supplier when a covered loss prevents travel. Covers flights, hotels, tours, cruises, and other Travel Supplier costs. Maximum $20,000 per Eligible Card per 12 consecutive months.
Delta Reserve card benefits: what does the insurance actually cover in 2026?
American Express·$650/year·American Express·AMEX Assurance Company / New Hampshire Insurance Company (AIG)
2,8/5Independent review · verified July 2026
2,3
3,6
4,1
Our Verdict · Travel Insurance
Our take on travel insurance for the American Express Delta SkyMiles Reserve
Expert review · Pauline LauroreAuthor of HelloSafe's card insurance reviews
When Delta loyalists evaluate the Reserve benefits, trip protection is one of the real strengths. The cancellation coverage delivers: $10,000 per trip, 7 covered reasons including illness, military orders, and jury duty, with a 60-day pre-existing lookback. Trip interruption matches that. Trip delay triggers at 6 hours and pays up to $500 for meals, lodging, and personal items. No emergency medical coverage. Premium Global Assist coordinates emergencies 24/7 but pays nothing directly. File cancellation and interruption claims through aig.claimnotify.com/americanexpress within 60 days of the loss, with carrier tickets, your card statement, and the Travel Supplier's cancellation policy.
What works on travel
- $10,000 trip cancellation per trip: 7 covered reasons including illness, military orders, jury duty, and weather, with no deductible
- $10,000 trip interruption per trip: covers forfeited prepaid costs and additional transportation to rejoin or return from the trip
- $500 trip delay from 6 hours: meals, lodging, toiletries, medication, and personal items
- $3,000 lost baggage protection: $2,000 checked bags, $1,000 carry-on, $500 sub-limit for high-value items
- Premium Global Assist 24/7: coordinates medical emergencies, hospital admissions, and logistics internationally
Where travel breaks down
- No emergency medical coverage: Premium Global Assist is a coordination service, you pay all hospital bills directly with no card reimbursement
- Pre-existing conditions excluded: any condition with symptoms in the 60 days before trip purchase is not covered for cancellation or interruption
- 2 claims per 12 months on trip cancellation and delay: light for frequent Delta flyers
- No travel accident insurance (AD&D): not included with this card
- No cell phone protection: not included
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 Delta SkyMiles Reserve Travel Insurance actually cover?
Covers all prepaid Travel Supplier costs: not only flights but also hotels and tours booked with the card.
What's covered
- All prepaid nonrefundable amounts paid to Travel Suppliers with the Eligible Card: flights, hotels, tours, cruises
- Accidental bodily injury, loss of life, or sickness of Eligible Traveler, Traveling Companion, or Family Member
- Inclement weather, military orders, terrorist action, jury duty, uninhabitable dwelling, physician-imposed quarantine
What's not covered
- Pre-existing conditions (60-day lookback from Covered Trip purchase date)
- Suicide, war, mental disorders unless hospitalized, professional sports
- One-way travel without return destination
- Financial insolvency of travel agency or tour operator
No emergency medical insurance despite a $650 annual fee. A serious ER visit abroad runs $10,000 to $80,000. Every dollar is yours.
No emergency medical coverage abroad. Premium Global Assist Hotline provides 24/7 referrals but pays nothing directly. All hospital bills and treatment costs are the cardholder's responsibility.
What's not covered
- No medical reimbursement of any kind.
No emergency evacuation insurance. Premium Global Assist can coordinate logistics but all transportation costs are the cardholder's responsibility.
What's not covered
- No evacuation cost coverage on this card.
Trip Interruption reimburses up to $10,000 per Covered Trip for forfeited nonrefundable prepaid travel expenses and additional economy-class transportation to rejoin the trip or return home. Maximum $20,000 per Eligible Card per 12 consecutive months.
What's covered
- Forfeited nonrefundable prepaid land, air, and sea arrangements
- Additional economy-class transportation to rejoin or return from the trip
What's not covered
- Same exclusions as trip cancellation
The 6-hour trigger is meaningfully better than the 12-hour standard on most travel cards at this price tier.
Trip Delay Insurance reimburses up to $500 per Covered Trip for meals, lodging, toiletries, medication, and personal use items when a Covered Trip is delayed more than 6 consecutive hours. Maximum 2 claims per Eligible Card per 12 consecutive months.
What's covered
- Meals, lodging, toiletries, medication, and personal use items
- Covered causes: inclement weather, terrorist action, Common Carrier equipment failure, lost or stolen passports
What's not covered
- Losses known to the traveler prior to departure
- Intentional acts by the Eligible Traveler
No missed connection coverage. Rebooking costs from a missed connection are the cardholder's responsibility.
What's not covered
- No missed connection benefit on this card.
No standalone early return benefit. Trip Interruption covers return transport when caused by a covered reason.
What's not covered
- No standalone early return benefit on this card.
Baggage delay reimbursement is not confirmed in available benefit documents. The card does include lost luggage coverage under the Baggage Insurance Plan.
What's not covered
- Baggage delay benefit not confirmed.
Baggage Insurance Plan covers checked baggage up to $2,000 per trip and carry-on baggage up to $1,000 per trip for a combined maximum of $3,000. High-value items are sub-capped at $500. Coverage is secondary to airline compensation.
What's covered
- Checked baggage up to $2,000 per trip
- Carry-on baggage up to $1,000 per trip
- Secondary to any airline compensation
What's not covered
- High-value items sub-capped at $500
- Items not reported to the carrier at time of loss
- Business items, money, securities, tickets
No travel accident insurance. Accidental death or dismemberment while traveling on a Common Carrier is not covered by this card.
What's not covered
- No AD&D benefit on this card.
No hotel theft protection. Personal belongings stolen from your hotel room are not covered.
What's not covered
- No hotel theft benefit on this card.
Policy document 1
Policy document 2
Policy document 3
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 Reserve wins, where it loses
Coverage snapshot for this tab — click any layer to highlight its scores.
Stay Interrupt: well above the market average
Trip Delay: well above the market average
Trip Cancel: above the market average
Medical: not covered by this card
Evacuation: not covered by this card
Compare
Delta SkyMiles ReserveThis card2.8/5?
$650/yrWith travel insuranceIdeal
Complete coverage · 5.0 / 5Premium card avg.
$167 avg. annual feeClick a layer to highlight its scores on the radar.
Side-by-side comparison
How the American Express Delta SkyMiles Reserve stacks up against the alternatives
Same 5 coverage dimensions, ranked head-to-head against the cards most Delta SkyMiles Reserve shoppers also consider.
| Card | This card Delta SkyMiles Reserve American Express · $650/yr 2.8/5? | Hilton Honors Aspire American Express · $550/yr 2.9/5? | Sapphire Reserve Chase · $795/yr 3.9/5? | Sapphire Reserve Business Chase · $795/yr 3.7/5? |
|---|---|---|---|---|
Trip cancellation Per person, per trip cap | $10,000 per trip 7 covered reasons | $10,000 per trip 7 covered reasons | $10,000 per person 13 covered reasons | $10,000 per person All prepaid travel |
Emergency medical Hospital bills abroad | Not covered | $2,500 | $50 deductible $50 deductible | $2,500 Reimbursement only | |
Emergency evacuation Air ambulance + repatriation | Not covered | $100,000 | pre-auth required Pre-authorization required | $100,000 Pre-authorization required | |
Trip delay trigger Hours before benefits kick in | 6h / $500 Trigger: 6 hours | 6h / $500 Trigger: 6 hours | $500 after 6 hours Trigger: 6 hours | 6h / $500 Trigger: 6 hours or overnight |
Trip interruption Covered amount | $10,000 per trip Same 7 reasons as cancellation | $10,000 per trip Same 7 reasons as cancel | $10,000 per person Shared limit with cancellation | $10,000 per person All prepaid travel |
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 Reserve
Real experiences with trip cancellation, delay, and claims 2,187 reviews
RD
r/delta
Trip interruption paid $800 after Delta cancelled my flight
Delta cancelled my flight home and I had to book a hotel for two nights plus rebooking fees. The trip interruption claim through Amex covered $800. Process took 6 weeks but worked without pushback.
WA
WalletHub
6-hour delay benefit triggered twice last year
The 6-hour delay benefit is genuinely useful when flying Delta. Used it twice last year. Filed online each time, both paid out within 5 to 6 weeks. No issues with the process.
RA
r/amex
AIG wanted full hospital discharge, not just a doctor note
Denied my trip cancellation claim because the illness documentation was not detailed enough. They wanted the full hospital discharge report, not just a doctor note. Eventually paid after 4 months.
RC
r/creditcards
Same insurance as the Platinum for $45 less
The insurance is the same as the Platinum at $695 per year. If you are not a Delta loyalist, the Platinum gives you more lifestyle benefits for $45 more. The Delta Reserve only makes sense if Delta is your primary airline.
Emergency · Card assistance line
How to contact American Express Delta SkyMiles Reserve assistance?
Two separate lines for general cardholder assistance and insurance claims
Card assistance (US)
1-800-228-6855
Free · 24/7
Premium Global Assist (international)
+1-715-343-7977
Collect call, free for cardholders · 24/7
Benefit administrator: New Hampshire Insurance Company, an AIG Company (trip cancellation, interruption, delay). AMEX Assurance Company (baggage loss, car rental, purchase protection).
Claims & pre-authorizations
How to file a travel insurance claim on your Delta SkyMiles Reserve
1
Step 1: Notify AIG within 60 days
For trip cancellation, interruption, or delay claims, call 1-844-933-0648 or visit aig.claimnotify.com/americanexpress as soon as the covered loss occurs. Missing the 60-day window may result in a denied claim.
2
Step 2: Gather your documentation
Collect your Amex card statement showing the trip charges, your carrier tickets, the Travel Supplier's cancellation policy, and proof of the covered reason. For medical cancellations, AIG often requests the full hospital discharge report, not just a physician note.
3
Step 3: Submit written proof of loss within 180 days
Upload your documentation through the AIG portal at aig.claimnotify.com/americanexpress or mail it directly. Written proof of loss must reach AIG within 180 days of the date of loss.
4
Step 4: Await reimbursement
AIG reviews the claim and issues reimbursement for covered nonrefundable losses up to $10,000 per trip. For baggage or car rental claims, contact AMEX Assurance Company through americanexpress.com/benefits.
FAQ
What people ask about the American Express Delta SkyMiles Reserve
- Activation is automatic when you charge the full cost of a covered trip to your Delta SkyMiles Reserve card. No enrollment required. The trip cancellation and interruption benefits cover trips charged to the card in full, or in combination with accumulated Delta SkyMiles points and eligible vouchers. Coverage begins on the date you purchase the trip and ends when the trip is completed.
- Trip cancellation and interruption benefits cover the primary cardholder, family members (spouse, domestic partner, or dependent children under 19, or under 26 if full-time students), and traveling companions who purchase a covered trip on the cardholder's account. The cardholder must be a US citizen or legal resident. Traveling companions are covered only when their transportation is charged to the cardholder's Eligible Card.
- At the rental counter, decline the agency's collision damage waiver. Outside the United States, the Delta Reserve provides primary CDW up to $75,000: the card pays first and your personal auto insurance is not involved. Inside the United States, coverage is secondary. Your personal insurer pays first and the card covers the remainder up to $75,000. Coverage lasts up to 30 days per rental. Liability to other vehicles or people is not covered.
- File trip cancellation, interruption, and delay claims through aig.claimnotify.com/americanexpress or by calling 1-844-933-0648. You must notify the administrator within 60 days of the covered loss. Missing this window can void the claim. For cancellation and interruption, you will need your Common Carrier tickets, card billing statement, proof of the covered loss (physician orders, court subpoenas, military orders), and the Travel Supplier's cancellation policy. Proof of loss must be submitted within 180 days.
- The Delta Reserve does not cover emergency medical expenses abroad, travel accident insurance (AD&D), baggage delay, or cell phone protection. Trip cancellation and interruption exclude pre-existing conditions (60-day lookback from trip purchase date), war, financial insolvency of travel suppliers, and professional athletic activities. The card also does not cover one-way travel or trips paid with fraudulent cards. For international travelers, the absence of emergency medical coverage is the most significant gap.
- Yes. The Delta Reserve includes no emergency medical coverage abroad. Premium Global Assist is available 24/7 to coordinate care and facilitate hospital admission, but the cardholder pays all medical costs directly. A single emergency room visit outside the US typically runs $10,000 to $80,000. If you travel internationally, a standalone travel medical policy starting at $50 to $100 per trip is the minimum protection worth carrying in addition to this card.
- No. Cell phone protection is not available with the Delta SkyMiles Reserve card. There is no coverage for accidental damage, theft, or mechanical failure regardless of how you pay your monthly phone bill. If cell phone protection matters to you, the Chase Ink Business Preferred covers up to $1,000 per claim when you pay your monthly bill with that card. The Delta Reserve does not offer this benefit.
- Both, depending on where you rent. Outside the United States, the Delta Reserve provides primary CDW up to $75,000. The card pays first with no personal insurer involvement. Inside the United States, coverage is secondary. Your personal auto insurance pays first. For international travelers and those without US personal auto insurance, the primary international CDW is a meaningful benefit. For domestic-only renters, it functions as standard secondary coverage.
- Yes. The Delta SkyMiles Reserve includes trip cancellation insurance ($10,000 per trip, 7 covered reasons), trip interruption insurance ($10,000 per trip), and trip delay insurance ($500 per trip, activates after 6 hours). What it does not include: emergency medical coverage abroad, emergency evacuation insurance with a dollar guarantee, and travel accident insurance. For Delta loyalists who mostly need cancellation and delay protection, the coverage is solid. For international travelers who need medical and evacuation coverage, separate insurance is required.
Not just American Express
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