What travel coverage does the Amex Platinum card include?

The Amex Platinum covers trip cancellation and interruption up to $10,000 per trip, trip delay up to $500 after a 6-hour delay, and lost or stolen baggage up to $3,000 combined. Rental car coverage is secondary in the US (up to $75,000) and primary outside the US. Purchase protection covers eligible items up to $10,000 per claim within 90 days of purchase. Extended warranty adds one year to eligible US manufacturer warranties up to $10,000 per item. There is no emergency medical expense insurance: Premium Global Assist provides logistical coordination only.

Does the Amex Platinum cover medical emergencies abroad?

No. The Amex Platinum does not include emergency medical expense insurance. The Premium Global Assist Hotline (available 24/7 at +1-715-343-7977) will help you find a doctor, arrange translation, and coordinate a medical evacuation, but it does not pay your medical bills. Emergency medical costs abroad are your responsibility. If you travel internationally, consider a standalone travel insurance policy with medical expense coverage of at least $100,000.

How do I file a claim on my Amex Platinum card insurance?

For trip cancellation and trip delay claims (underwritten by AIG): visit aig.claimnotify.com/americanexpress or call 1-844-933-0648. Report within 60 days of the covered event and submit all documentation within 180 days. For baggage and rental car claims (underwritten by AMEX Assurance Company): visit americanexpress.com/benefits/travel or call 1-800-228-6855. Documentation requirements include carrier confirmation letters, receipts, medical certificates (for cancellation), and police reports (for theft).

Does the Amex Platinum cover rental car damage?

Yes. Decline the rental company's collision damage waiver (CDW) at the counter and the Amex Platinum provides coverage up to $75,000. Coverage is secondary in the US: your personal auto insurance pays first, then Amex covers the rest. Outside the US, coverage is primary: Amex pays first, no personal auto insurance required. Maximum rental duration is 30 consecutive days. Note: The Premium Car Rental Protection program ($19.95-$24.95 per rental) is a separate optional paid product and is not the same as this complimentary benefit.

What are the main exclusions on the Amex Platinum travel insurance?

The most important exclusions: (1) Pre-existing medical conditions are excluded under a 60-day lookback rule. (2) Trips booked entirely with points or miles where no card charges apply may not qualify. (3) The 2-claim annual cap on cancellation and interruption means a third covered event in 12 months is not reimbursed. (4) High-value items in baggage (jewelry, electronics) are capped at $500 even though the overall baggage limit is $3,000. (5) Points and miles-related losses are excluded per CFPB complaints.

Does the Amex Platinum cover trip cancellation if I booked with points?

This is a known gap. CFPB complaints document cases where cardholders had claims denied because the airfare was booked with Amex Membership Rewards points or travel credits rather than charged directly to the card. The general rule: the trip cancellation benefit applies to prepaid, non-refundable expenses charged to your Amex Platinum card. If you used points, the card may not cover the value of those points. If you mixed points and card charges, coverage may apply only to the card-charged portion. Check your current Guide to Benefits at americanexpress.com/benefits/travel for current terms.

Does the Amex Platinum have emergency evacuation insurance?

No, not as a dollar-capped insurance product. The Premium Global Assist Hotline will coordinate a medical evacuation (arranging the flight, medical escort, and logistics), but there is no insurance policy behind it that reimburses a defined dollar amount. The evacuation costs are yours to pay. Standalone evacuation insurance from providers like Allianz, IMG, or Medjet covers $50,000 to $500,000 for evacuations and is widely recommended for international travelers who rely on the Platinum as their primary travel card.

Does the Amex Platinum cover rental car insurance?

Yes, up to $75,000 for collision damage and theft. Decline the rental company's CDW and you're covered. Coverage is primary outside the US and secondary in the US. The benefit applies to rentals up to 30 days. Separately, Amex offers a Premium Car Rental Protection program that is an optional paid add-on ($19.95-$24.95 per rental) providing primary coverage with broader terms, but that is not included with the card and requires enrollment.

Amex Platinum benefits: which insurance protections actually hold up?

American Express·$895/year·American Express

Pauline LauroreAuthor of HelloSafe's card insurance reviewsUpdated June 11, 20268 min read

2,7/5Travel Insurance gap.Independent review · verified June 2026

Travel Insurance

2,0

Car Rental

3,6

Protection

5,0

Our Verdict · Travel Insurance

Our opinion on Platinum Travel Insurance

Expert review · Pauline LauroreAuthor of HelloSafe's card insurance reviews

Strong cancel. No medical abroad. Here's what that gap means on a $695 card. Trip cancellation and interruption coverage is strong at $10,000 per trip, one of the better limits in the US market. The 6-hour trip delay trigger matches the best travel cards. The weak points are significant: no emergency medical insurance, no evacuation coverage with a dollar limit, and baggage delay terms are unconfirmed in available documents. For domestic travel the Platinum holds up well. For serious international trips, you need supplemental medical coverage.

What works on travel

Trip cancellation up to $10,000 per trip
Trip delay triggers at 6 hours, faster than most cards
Lost baggage covered up to $3,000 combined (checked + carry-on)
Premium Global Assist Hotline for 24/7 logistical support abroad

Where travel breaks down

No emergency medical expense coverage abroad
No emergency evacuation insurance with a defined dollar limit
Maximum 2 claims per year for cancellation and interruption
Baggage delay benefit terms not confirmed in available documentation
$500 sub-limit for high-value items in baggage claims
Pre-existing conditions excluded (60-day lookback)

Travel Insurance · 11 guarantees

Our review on Amex Platinum travel insurance

Quality, not just caps

Guarantee

Status

Limit · Cap

Trip cancellation

AIG / New Hampshire Insurance Co. · Max 2 claims / 12 months

$10,000

Covered

$10,000

Maximum 2 claims per 12 months. A third covered cancellation in the same year is not reimbursed.

Medical fees abroad

Not covered

No emergency medical coverage on this card. Every dollar of any hospital bill abroad is yours. A serious ER visit in Europe or Japan runs $15,000 to $80,000.

Medical repatriation

Not covered

No evacuation insurance. Global Assist arranges logistics only. An air evacuation from Southeast Asia runs $50,000 to $150,000, all costs are yours.

Trip interruption

AIG / New Hampshire Insurance Co. · Max 2 claims / 12 months

$10,000

Covered

$10,000

Transport delay

AIG / New Hampshire Insurance Co. · Trigger: 6 hours | Max 2 claims / 12 months

$500

Covered

$500

The carrier must officially document the delay as equipment failure. A routine mechanical issue without documentation does not qualify.

Missed connection

Not covered

Lost luggage / theft

Not covered

Baggage delay

Not covered

Baggage loss

AMEX Assurance Company · Checked $2,000 | Carry-on $1,000 | High-value $500

$3,000

Covered

$3,000

High-value items are capped at $500 within the $3,000 total. A stolen $1,500 laptop gets $500.

Personal liability

Not covered

Hotel theft protection

Not covered

Source : New Hampshire Insurance Company (AIG), Trip Delay/Cancel (aig.claimnotify.com/americanexpress | 1-844-933-0648) | AMEX Assurance Company, Baggage/Car (americanexpress.com/benefits/travel | 1-800-228-6855) | fiche_carte.md 2026-05-22

View all guarantees and assistance (PDF)

We source benefits from official card guides, but PDFs are sometimes hard to obtain or update. Spotted something off?

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Coverage Radar

Where the Platinum wins, where it loses

An 8-dimension snapshot compared to the Amex Platinum ($695/yr) and the average premium travel card.

Compare

PlatinumThis card2.7/5?

$895/yr

With travel insuranceIdeal

Complete coverage · 5.0 / 5

Premium card avg.

$150 avg. annual fee

Amex Platinum

American Express · $695/yr

Click a layer to highlight its scores on the radar.

Side-by-side comparison

How the Platinum stacks up against the alternatives

Same 5 coverage dimensions, ranked head-to-head against the cards most Platinum shoppers also consider.

Card	This card Platinum American Express · $895/yr 2.7/5?	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	Covered AIG / New Hampshire Insurance Co.	$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 Cover this gap →	Not covered	$2,500 \| $50 deductible $50 deductible	$2,500 Reimbursement only
Emergency evacuation Air ambulance + repatriation	Not covered Cover this gap →	Not covered	$100,000 \| pre-auth required Pre-authorization required	$100,000 Pre-authorization required
Trip delay trigger Hours before benefits kick in	Covered AIG / New Hampshire Insurance Co.	6h / $500 Trigger: 6 hours	$500 after 6 hours Trigger: 6 hours	6h / $500 Trigger: 6 hours or overnight
Rental CDW Primary or secondary	Covered AMEX Assurance Company	Primary (intl) / $75,000 Primary outside US	Primary / $75,000 Primary coverage	Primary / $75,000 Primary coverage

StrongLimited / misleadingNot covered

Data verified against each card's Guide to Benefits, May 2026.

FlyerTalk Forums

2024

Premium Global Assist was invaluable during a medical emergency

The Premium Global Assist hotline was invaluable when I had a medical emergency abroad, they coordinated everything including a medical escort home. Truly 24/7 and helpful.

One Mile at a Time

2024

Trip delay claim: approved in six weeks, check arrived a week later

Filed a trip delay claim for $400 after an overnight delay, the claim took around six weeks but was approved and a check arrived about a week after. Process was clear once I figured out what documents they wanted.

r/amex

2024

CDW worked smoothly in France

Used the CDW benefit in France, primary coverage, claim handled smoothly. No issues with the rental company accepting the coverage.

ConsumerAffairs

2024

Hurricane evacuation claim denied

My hurricane evacuation claim was denied: Amex said I should have stayed to get reimbursed for the hotel and flight. Completely unreasonable response.

ConsumerAffairs

2024

Three months of calls for a medical emergency cancellation

Spent 3 months on hours-long phone calls for a medical emergency trip cancellation. They kept asking for the same documents over and over. Considering leaving Amex because of this.

2024

Snowstorm delay claim eventually paid after months of paperwork

My claim for $120 in snowstorm-related expenses took months with excessive documentation requirements, but eventually paid out.

US Assistance (toll-free)

1-800-228-6855

Toll-free · 24/7

International Assistance (collect)

+1-715-343-7977

Collect calls accepted · 24/7

Benefit administrator: AIG (New Hampshire Insurance Company) for Trip Cancellation and Trip Delay | AMEX Assurance Company for Baggage and Rental Car | Claims portal: aig.claimnotify.com/americanexpress | 1-844-933-0648

Claims & pre-authorizations

How to file a claim on your Amex Platinum insurance

Notify within 60 days of the loss

Report your trip cancellation, delay, or baggage claim within 60 days of the covered loss. For AIG claims (trip cancel/delay): go to aig.claimnotify.com/americanexpress or call 1-844-933-0648. For baggage and rental car claims: visit americanexpress.com/benefits/travel or call 1-800-228-6855.

Gather your documentation

For trip cancellation and interruption: medical certificates, physician statements, booking confirmations, receipts for non-refundable costs, and any relevant military orders or jury summons. For trip delay: receipts for meals, lodging, and personal items, plus documentation from the carrier confirming the cause and duration of the delay. For baggage: airline property irregularity report, police report if theft occurred, and receipts for lost or damaged items.

Submit proof within 180 days

All supporting documentation must be submitted within 180 days of the covered loss. Keep originals, copies may be required. If the claims examiner requests additional documents, respond promptly to avoid delays. Resolution timelines vary: some cardholders report approval within weeks, others have taken several months for complex claims.

The Amex Platinum covers trip cancellation and interruption up to $10,000 per trip, trip delay up to $500 after a 6-hour delay, and lost or stolen baggage up to $3,000 combined. Rental car coverage is secondary in the US (up to $75,000) and primary outside the US. Purchase protection covers eligible items up to $10,000 per claim within 90 days of purchase. Extended warranty adds one year to eligible US manufacturer warranties up to $10,000 per item. There is no emergency medical expense insurance: Premium Global Assist provides logistical coordination only.
No. The Amex Platinum does not include emergency medical expense insurance. The Premium Global Assist Hotline (available 24/7 at +1-715-343-7977) will help you find a doctor, arrange translation, and coordinate a medical evacuation, but it does not pay your medical bills. Emergency medical costs abroad are your responsibility. If you travel internationally, consider a standalone travel insurance policy with medical expense coverage of at least $100,000.
For trip cancellation and trip delay claims (underwritten by AIG): visit aig.claimnotify.com/americanexpress or call 1-844-933-0648. Report within 60 days of the covered event and submit all documentation within 180 days. For baggage and rental car claims (underwritten by AMEX Assurance Company): visit americanexpress.com/benefits/travel or call 1-800-228-6855. Documentation requirements include carrier confirmation letters, receipts, medical certificates (for cancellation), and police reports (for theft).
Yes. Decline the rental company's collision damage waiver (CDW) at the counter and the Amex Platinum provides coverage up to $75,000. Coverage is secondary in the US: your personal auto insurance pays first, then Amex covers the rest. Outside the US, coverage is primary: Amex pays first, no personal auto insurance required. Maximum rental duration is 30 consecutive days. Note: The Premium Car Rental Protection program ($19.95-$24.95 per rental) is a separate optional paid product and is not the same as this complimentary benefit.
The most important exclusions: (1) Pre-existing medical conditions are excluded under a 60-day lookback rule. (2) Trips booked entirely with points or miles where no card charges apply may not qualify. (3) The 2-claim annual cap on cancellation and interruption means a third covered event in 12 months is not reimbursed. (4) High-value items in baggage (jewelry, electronics) are capped at $500 even though the overall baggage limit is $3,000. (5) Points and miles-related losses are excluded per CFPB complaints.
This is a known gap. CFPB complaints document cases where cardholders had claims denied because the airfare was booked with Amex Membership Rewards points or travel credits rather than charged directly to the card. The general rule: the trip cancellation benefit applies to prepaid, non-refundable expenses charged to your Amex Platinum card. If you used points, the card may not cover the value of those points. If you mixed points and card charges, coverage may apply only to the card-charged portion. Check your current Guide to Benefits at americanexpress.com/benefits/travel for current terms.
No, not as a dollar-capped insurance product. The Premium Global Assist Hotline will coordinate a medical evacuation (arranging the flight, medical escort, and logistics), but there is no insurance policy behind it that reimburses a defined dollar amount. The evacuation costs are yours to pay. Standalone evacuation insurance from providers like Allianz, IMG, or Medjet covers $50,000 to $500,000 for evacuations and is widely recommended for international travelers who rely on the Platinum as their primary travel card.
Yes, up to $75,000 for collision damage and theft. Decline the rental company's CDW and you're covered. Coverage is primary outside the US and secondary in the US. The benefit applies to rentals up to 30 days. Separately, Amex offers a Premium Car Rental Protection program that is an optional paid add-on ($19.95-$24.95 per rental) providing primary coverage with broader terms, but that is not included with the card and requires enrollment.