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Trip cancellation and interruption insurance

This type of coverage is for situations in which your trip is canceled or interrupted (ie you started the trip but must finish it to return home). As a result, you are forced to forfeit prepaid, non-refundable reservations. Again, make sure your policy specifies your specific reason for covering it.*

All Amex cards with this benefit provide the same level of protection. If your trip is canceled or interrupted for a covered reason, you can receive a maximum of $10,000 per covered trip and a maximum of $20,000 per eligible card in a 12-month period.

Here are the cards that include this protection when you use them to purchase travel:

*Eligibility and benefit levels vary by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for details. Policies are underwritten by AIG Company New Hampshire Insurance Company.

**Information for these cards has been independently collected by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

Global Assist Hotline

Eligible cardholders can rely on the Global Assist Hotline 24 hours a day, 7 days a week for coordination and assistance with medical, legal, financial or other select emergency services when traveling more than 100 miles from home.*

Global Assist hotline coordinates services but is not a service provider. Any third-party service costs may be your responsibility.

Here are the cards that include this protection when you use them to pay for your ticket:

*Eligibility and benefit levels vary by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for details. Cardmembers are responsible for charges incurred by third-party service providers.

**Information for these cards Points are collected independently by Guy. The card details on this page have not been reviewed or provided by the card issuer.

Premium Global Assist Hotline

As with the above benefit, eligible cardholders for certain Premium Amex cards can rely on the Global Assist Hotline 24/7 for assistance and coordination of medical, legal, financial or other select emergency services when traveling more than 100 miles from home. With premium benefit, emergency medical transport assistance and related services may be provided at no cost.*

If approved and coordinated by the Premium Global Assist Hotline, emergency medical transportation assistance may be provided to you at no cost. Otherwise, third-party service costs may be your responsibility.

Here are the cards that include this protection when you use them to pay for your ticket:

*Eligibility and benefit levels vary by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for details. If approved and coordinated by the Premium Global Assist Hotline, emergency medical transportation assistance may be provided at no cost. In any other case, Cardmembers are responsible for charges incurred by third-party service providers.

**Information for these cards has been independently collected by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

Baggage Insurance Scheme

Baggage insurance applies to persons covered for lost, damaged or stolen luggage during travel on a common carrier (such as a plane, train, ship or bus) when the full fare of the ticket on the trip (one-way or round trip) is eligible. The card is charged.

This benefit has two different “tiers” of coverage depending on the card you carry.

Level 1: The highest card

Some of American Express’ top products offer baggage insurance coverage of up to $2,000 for checked baggage and up to a combined maximum of $3,000 for checked and carry-on baggage. This coverage is more than the coverage offered by common carriers. Coverage is subject to a $3,000 aggregate limit per covered trip.*

For New York State residents, the bag/suitcase limit is $2,000 for each covered person, with a $10,000 aggregate maximum for covered persons per each covered trip.*

This protection is effective when you purchase tickets using any of the following cards:

**Information for these cards has been independently collected by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

Tier 2: Mid-tier cards

Other American Express cards offer baggage insurance coverage of up to $1,250 for carry-on baggage and up to $500 for checked baggage. This coverage is more than the coverage offered by common carriers.*

For New York State residents, the maximum is $10,000 aggregate for each covered trip.*

Here are the cards that include this protection when you use them to purchase your ticket:

*Eligibility and benefit levels vary by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for details. Policies are underwritten by AMEX Assurance Company.

**Information for these cards has been independently collected by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

Car rental loss and damage insurance

Car rental loss and damage insurance applies to theft or damage to most rental vehicles when you use an eligible card to reserve and pay for the full eligible vehicle rental and decline the collision damage waiver or similar option offered by the rental car company. are you Note that this product provides secondary coverage and does not include liability coverage. Not all types of vehicles or rentals are covered and geographic restrictions apply.

This benefit has two different “tiers” of coverage depending on the card you carry.

Level 1: The highest card

Some of American Express’ top products offer up to $75,000 in damage insurance for car rental loss and theft or damage to eligible rental vehicles.*

Here are the cards that include this protection when you use them to pay for eligible fares:

Tier 2: Mid-tier cards

Other American Express cards offer rental car loss and damage insurance up to $50,000 for theft or damage to eligible rental vehicles.*

Here are the cards that include this protection when you use them to pay for eligible fares:

*Eligibility and benefit levels vary by card. Not all types of vehicles or rentals are covered and geographic restrictions apply. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for details. Policies are underwritten by AMEX Assurance Company. Coverage provided by American Express Travel Related Services Company, Inc.

**Information for these cards has been independently collected by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

The bottom line

Understanding what your card benefits you can help reduce headaches when something goes wrong during a trip. To that end, American Express offers multiple travel protections in many of its card products.