Accident insurance from American Express
Transport Accident Insurance comes into effect if something happens to you on public transport. It is included with all American Express credit cards. Find out how the insurance works and why it makes sense here.
Benefits of Transport Accident Insurance
Transport Accident Insurance covers accidents that occur while using public transport – anywhere in the world. This not only includes buses and trains, but also airplanes, ships, cabs and rental cars.
If you are injured on a train journey, for example, the Transport Accident Insurance will pay compensation within the scope of the insurance conditions and help cover the costs of medical treatment. If disability occurs as a result of the accident or the insured person even dies, the insurance company will also contribute in accordance with its terms and conditions.
Such a policy is particularly useful in connection with a trip.
Transport Accident Insurance included with American Express
American Express Cardholders are automatically insured through their credit card. Transport Accident Insurance is included with all five credit cards. These are:
- BLUE from American Express
- American Express Card
- American Express Gold Card
- American Express Platinum Card
The insurance covers accidents on public transport, including boarding and alighting. The insurance takes effect as soon as you pay at least 50 percent of the tickets for the means of transport used with your American Express Card before the start of the journey.
In addition to the principal or additional cardholder, a spouse or partner living in the same household and dependent children are also insured.
Good to know: Entry-level models such as BLUE from American Express have a lower level of cover than premium cards such as the American Express Gold Card or Platinum Card.
The insurance benefits differ depending on the credit card and may vary. Please refer to the respective insurance conditions for details.
What counts as public transport?
Important to know: Public transport includes railroads, streetcars, subway railroads, elevated railroads, buses, ships or aircraft licensed for civil aviation, as well as cabs and rental cars.
However, certain other vehicles are excluded, including:
- Rail vehicles in amusement parks
- Ski lifts
- Buses and aircraft operating as part of tours or sightseeing flights
- Private aircraft
- Means of transport used primarily for residential purposes
Documents required for payouts
Various documents are required to ensure that you receive benefits as quickly as possible in the event of an insured event. These include:
- Proof that the accident occurred on public transport
- Proof of the course of the accident and the consequences of the accident (degree of disability or accidental death)
- In the case of a disability claim, additional proof of the disability classification
- Proof of search, rescue, recovery and repatriation costs
Details of the exact conditions and evidence can be found in the General Terms and Conditions of Insurance.
More travel insurance: all-round protection with American Express
Transport Accident Insurance is just one of many types of insurance cover that American Express credit cardholders can fall back on if the worst comes to the worst.
Depending on the card, American Express includes various types of insurance – the Platinum Card offers the most comprehensive insurance cover. This premium credit card includes Loss Damage Waiver for Rental Cars and an extended guarantee for purchased goods. You also benefit from flight and luggage delay insurance as well as Travel Cancellation and Curtailment Insurance.
However, the Gold Card and the American Express Card also include various insurance benefits that allow you to enjoy even more relaxed travel. For example, Travel Inconvenience Insurance for flight and luggage delays.
Good to know: You have the option of taking out additional insurance for each card for a monthly fee. These are clever supplementary services for American Express Cards, such as Cyber Security Insurance or All Mobile Insurance.
Please refer to the respective insurance conditions for details of the scope of benefits.
Platinum Card insurance benefits
Transport Accident Insurance: a sensible option when traveling
Transport Accident Insurance is a sensible option when traveling, especially if you use many different means of transport. If this and other insurances are already included in your credit card’s benefits, you can enjoy much more relaxed travel.
Frequently asked questions and answers
In the event of an accident on public transport – including buses, trains, airplanes, ships, cabs and rental cars – this insurance cover provides you as the holder of the Platinum Card with up to CHF 1,000,000 in the event of death or disability.
Transport Accident Insurance is automatically included with all American Express credit cards.
At least 50 percent of the ticket for the means of transport used must have been paid for with the card before the start of the journey.
