Insurance benefits with American Express
With American Express, you’re well-insured in many situations.
Description: Eine Frau und ein Mann sitzen auf einem kleinen Hügel und blicken entspannt über eine eindrucksvolle Berglandschaft. Die Szene verbindet modernen Outdoor-Lifestyle, Reisefreiheit und kulinarisch inspirierte Auszeiten mit dem Gefühl von Sicherheit, das American Express in vielen Lebenslagen bietet. Für AMEXperience visualisiert das Bild, wie exklusive Erlebnisse für anspruchsvolle Leserinnen und Leser noch wertvoller werden, wenn smarte Finanzlösungen und starke Versicherungsleistungen spontane Reisen, Genussmomente und besondere Wege souverän begleiten.
Everything you need to know at a glance
The American Express Gold Card and Platinum Card include a comprehensive package of travel and shopping insurance. This includes, among other things, Foreign Travel Medical Expenses Insurance, Transport Accident Insurance, and, on the Platinum Card, Travel Cancellation and Curtailment Insurance as well as Loss Damage Waiver for Rental Cars for Travel Abroad.
Insurance coverage generally requires that at least 50 percent of the travel expenses be paid with the respective card. No separate registration is required. The travel coverage is supplemented by practical emergency assistance services as well as buyer and Purchase Protection Insurance for everyday use, such as warranty extensions, Purchase Protection Insurance, and online purchase protection.
Travel safely: accident and medical expense insurance abroad
Whether by tram, train, bus, or plane – if an accident occurs while you’re using public transportation, your Gold Card or Platinum Card’s Transport Accident Insurance will cover you. In the event of an emergency, you’ll receive financial assistance: up to CHF 1,000,000 with the Platinum Card and up to CHF 700,000 with the Gold Card.
If you fall ill or are involved in an accident while traveling abroad, the Foreign Travel Medical Expenses Insurance covers emergency medical treatment and hospital costs abroad. The Platinum Card offers coverage of up to CHF 3,000,000, while the Gold Card offers up to CHF 10,000.
Interesting fact: This coverage is supplemented by reimbursement of search, rescue, and recovery costs up to CHF 60,000 for both cards.
Travel insurance: for flight delays, cancellations, and lost luggage
Flight delays and lost luggage are among the most frustrating travel mishaps. If your departure is delayed by at least four hours due to cancellation or overbooking without an alternative mode of transportation being offered, or if you miss your connecting flight due to a delay, the insurance included with your Gold Card or Platinum Card will cover additional costs for meals, lodging, or onward travel. In the event of delayed luggage, the costs for items such as clothing or toiletries are also covered.
If you’re looking for the best credit card with travel insurance, the Platinum Card is a great choice. It also includes Travel Cancellation and Curtailment Insurance. This coverage reimburses expenses arising from trip cancellations or interruptions, including unused activities, unused accommodation, and rebooking costs, up to CHF 30,000.
Exclusive to the Platinum Card: Loss damage waiver for rental cars
When you book your rental car with the Platinum Card, you’re covered for up to CHF 120,000 in vehicle damage through the Loss Damage Waiver for Rental Cars – supplemented by roadside assistance in case of a breakdown. This ensures you remain financially protected even in the event of unforeseen circumstances, allowing you to plan your next trip with peace of mind.
Comprehensive coverage: emergency assistance services
In addition to financial protection, the Gold Card and Platinum Card offer practical support if something unexpected happens to you while abroad. If you are unable to return on your own due to health reasons, the repatriation insurance will arrange for your transport to a suitable hospital or back home – and cover the costs.
Travel assistance also provides organizational support in the event of a sudden illness or accident, such as arranging a replacement driver, covering interpreter fees, or facilitating a medically prescribed hotel stay. In the event – which we hope never occurs – of a kidnapping during your trip, compensation benefits for fellow travelers and the travel expenses for a close relative to join you are also covered.
You’re covered even at home: In the event of a sudden emergency in your home during or shortly after a trip, Home Assistance will arrange for repair services and take immediate action.
Protected in everyday life, too: purchase and buyer protection
With the Gold Card and Platinum Card, you benefit from comprehensive shopping insurance in your everyday life. If a retailer refuses to accept a flawless, unused item with a purchase value of CHF 60 or more, your American Express Card’s merchandise return insurance will cover you.
Newly purchased products are also covered against theft or damage for 90 days after purchase through the Purchase Protection Insurance. And the warranty extension extends the manufacturer’s warranty or retailer’s warranty by two additional years. When shopping online, the online purchase protection safeguards you against financial losses if ordered goods are not delivered or arrive damaged.
If you miss a booked event due to illness or a vehicle breakdown during your trip there, you’ll be reimbursed for the ticket price through the Platinum Card’s ticket insurance.
Gold Card or Platinum Card: which American Express card do you use when traveling?
An overview of insurance benefits with American Express
Whether you’re on your way to the gate, driving a rental car abroad, or shopping online at home: With the Gold Card – and especially the Platinum Card – from American Express, you can travel and shop with much greater peace of mind. The built-in insurance coverage ranges from Transport Accident Insurance and Foreign Travel Medical Expenses Insurance to emergency assistance services and everyday purchase protection.
If you travel frequently, you’ll benefit most from the Platinum Card – in part because of the very high coverage limits and additional benefits such as comprehensive rental car insurance and trip cancellation insurance.
The insurance benefits listed may be subject to time limits or special conditions. For information on the insurance benefits and the exact terms and conditions (including coverage amounts and exclusions), please refer to the insurance policy.
Frequently asked questions and answers
Yes, the Gold Card and Platinum Card include comprehensive travel insurance. This includes Transport Accident Insurance, Foreign Travel Medical Expenses Insurance, coverage for search, rescue, and recovery costs, repatriation from abroad, travel assistance, as well as travel convenience and baggage insurance. The insurance coverage takes effect automatically as soon as at least 50 percent of the relevant travel expenses have been paid with the card. Please refer to the insurance terms and conditions for specific details.
No, Travel Cancellation and Curtailment Insurance is exclusive to the Platinum Card. While the Gold Card provides coverage through travel convenience and baggage insurance as well as Foreign Travel Medical Expenses Insurance, it does not cover travel cancellation or the associated costs for unused trips, activities, and accommodations. Please refer to the insurance terms and conditions for specific details.
If you travel frequently and internationally, you’ll benefit from the Platinum Card. For occasional travelers, the Gold Card may be sufficient. The Platinum Card offers the highest coverage limits (for example, up to CHF 3,000,000 for Foreign Travel Medical Expenses Insurance and up to CHF 1,000,000 for Transport Accident Insurance), plus Travel Cancellation and Curtailment Insurance, as well as Loss Damage Waiver for Rental Cars for Travel Abroad. The Gold Card includes solid basic coverage but does not include trip cancellation or rental car insurance. Please refer to the insurance terms and conditions for specific details.
