Sometimes, no matter how meticulous you are when it comes to travel preparations, unforeseen events happen. Events such as road accidents, flight cancellation, or lost luggage can cost you time and energy, not to mention sky-high expenses. Unexpected incidents can leave you with no choice but to pay for unbudgeted costs. These unforeseen events that are beyond your control can spoil the vacation you have long been planning for. If you want to travel without having to worry about things that could go wrong, you should consider getting American Express Travel Insurance.
Who is American Express?
American Express is a multinational company that provides global services by giving customers access to products, insights, and experiences that improve lives and help in the success of the business. It has a partnership with several trusted and leading banks and financial institutions across the globe.
With its global network, it has become one of the most powerful brands in the world. One of the services that American Express offers is travel insurance that fits your travel needs whether you are traveling domestically or internationally.
American Express Offering
American Express makes available policies that can cover cancelled trips, lost baggage, and medical emergencies, among others. They have 24-hour travel assistance that would help answer your questions regarding travel insurance and more. They don’t only offer individual travel insurance policy but also for groups that come in packages.
At the moment, here are the available policies in American Express.
The basic policy covers personal liability, medical assistance, and lost luggage and travel documents, and provides financial benefits. This policy is available for both international and single trips.
Similar to the basic policy, this policy covers personal liability, medical assistance, and lost luggage and travel documents, and provides financial benefits. On top of that, the policy offers cancellation benefits. This is available for both international and single trips.
True to its name, this policy provides more comprehensive coverage that has higher limits and higher monetary claims. In a nutshell, American Express’ Comprehensive Policy provides unlimited cover for medical and hospital expenses incurred abroad. It also covers cancellation and rescheduling fees for up to $1,500. For lost luggage and personal items, you can get covered up to $10,000. The maximum age limit for the comprehensive policy is up to 84 years old.
If you want to really make sure that everything is covered, the Ultimate Policy from American Express provides a higher limit for luggage, travel documents and financial benefit limit. This is available for international and for single trips.
Other Benefits Offered by American Express
American Express travel insurance also offers extra benefits for those interested. The following extra benefits are optional only and you are not compelled to get them unless you see the need:
- Golf cover
In case you get sick or injured and will not be able to use your golf green fees, you can get covered for your golf equipment.
- Increase item limits
By getting this supplement to your current travel insurance policy, you may get a higher limit on valuable items you brought with you on your trip.
- Rental Vehicle Excess
When become liable to pay a rental vehicle excess while you are on your travel, getting this option will get you covered for those costs
Frequently Asked Questions
- Can I buy insurance for someone else, even though I’m not traveling?
Yes, one of the best things you can gift someone is insurance. Even if you are not the one taking the trip, you may buy insurance from American Express for another person. Just keep in mind that there are eligibility requirements for certain locations.
- Do I need to be an American Express Card Member to purchase American Express Travel Insurance?
You can purchase American Express Travel Insurance by using any major credit cards.
However, if you are an American Express Cardmember, you are automatically given basic travel insurance for domestic and overseas travel if you use your American Express Credit Card to purchase your plane tickets.
- May I modify or cancel my coverage in case my plans change?
You can adjust the time and date of coverage as long as it is done before the trip. Otherwise, you will not get any coverage for cancellations of the trip.
- What are not included in my American Express travel insurance?
Your travel insurance will not cover you if you participate in any unapproved dangerous activities, unlawful acts, high-risk sports, suicide, civil unrest, and more.
Make sure that you understand the terms and conditions of your travel insurance policy. If you aren’t too convinced with American Express, it’s best to compare your options! Use Makes Cents’ user friendly comparison tool to see the pros and cons of different travel insurance available on the market today.