Your credit card with travel insurance
With American Express credit cards, you enjoy convenient travel insurance benefits.
Description: Zwei Personen in Surfkleidung tragen ihre Boards durch die warme Abendsonne am Meer und verkörpern Freiheit, Abenteuer und gehobenen Lifestyle. Das Bild passt ideal zu redaktionellen Inhalten im Magazin AMEXperience von American Express rund um Reiseversicherungen mit Kreditkarten: Es zeigt, wie wertvoll entspannte Sicherheit auf exklusiven Trips sein kann. Für Leserinnen und Leser steht die Szene für spontane Auszeiten, exklusive Reiseerlebnisse und den Komfort, mit passenden Kartenleistungen bestens begleitet zu sein.
Everything you need to know at a glance
Certain credit cards include travel insurance as part of the card package. This is also the case with American Express. These credit cards are therefore ideal for those who wish to travel in comfort and with peace of mind.
Depending on the card, the coverage may include Travel Cancellation Insurance, Foreign Travel Medical Insurance and Luggage Insurance, as well as Rental Car Insurance and Assistance Services. It is important to review the terms and conditions of insurance before you travel – to determine which part of the trip or services need to be paid for with your credit card for the insurance to apply, for example.
Travel with peace of mind thanks to a credit card with travel insurance
Your next trip is coming up, your planning is in full swing, and you’re really looking forward to it. To ensure you enjoy your vacation with as few worries as possible, though, you need the right travel insurance. When traveling abroad in particular, travel insurance helps mitigate risks – and can ensure you aren’t left with high costs in the event of unforeseen circumstances.
Recommended travel insurance coverage includes:
- Travel Cancellation Insurance
- Foreign Medical Insurance
- Luggage Insurance
- Rental Car Insurance
You can purchase travel insurance from various providers as a single policy or for an entire year. Travel insurance included with your credit card is simpler, however, and means far less administrative hassle. This is typically the case with premium credit cards.
The advantage: These days, a credit card is pretty much indispensable when traveling. You use it to make payments abroad or as a security deposit for rental cars and hotel reservations. If your credit card also includes travel insurance, you don’t have to purchase new insurance for every trip – you’re already covered by its convenient insurance benefits.
Insurance included: what you need to know
A credit card that includes travel insurance allows you to plan your vacations and travel with greater peace of mind. For the travel coverage to actually apply, though, certain conditions need to be met. You can find detailed information on the scope of coverage in the terms and conditions of insurance, which may vary depending on the provider.
For example, it may be necessary for the trip or other services to be paid for in part or in full with the card for the insurance to apply. Furthermore, you should always check the amount the insurance covers and whether the terms and conditions specify a deductible – meaning you may have to pay a certain amount yourself in the event of a claim.
In addition, travel cancellation and foreign medical insurance policies typically only cover unforeseen complications. If costs arise from illnesses or medical complications that existed before the policy’s effective date, these costs will not be reimbursed. Also, certain providers list specific cases that are excluded from coverage.
American Express credit cards with convenient travel insurance
With American Express Cards, you can also rely on comprehensive insurance benefits. The Platinum Card stands out with an exceptionally wide range of included insurance policies that protect you while traveling – in the event of a car breakdown or trip interruption, for example. This premium metal card is therefore particularly appropriate for frequent travelers.
If you travel only occasionally, the Gold Card might be the right choice for you. It also provides travel protection in the form of various insurance policies. Regardless of which card you choose, American Express Cards offer many attractive benefits that enhance your vacations and everyday life.
Summary of American Express travel insurance
Gold Card and Platinum Cardholders benefit from Travel Inconvenience Insurance, which covers the costs of meals, lodging and alternative transportation in the event of flight delays. Also included is insurance for delayed luggage: If your luggage arrives more than six hours late, the costs of emergency purchases and hygiene products will be covered.
With the Travel Cancellation and Curtailment Insurance included with the Platinum Card, you won’t be left with high cancellation fees if you have to cut your trip short due to illness or are unable to travel. Provided that up to 50 percent of the trip is paid for with the Platinum Card, coverage of up to CHF 30,000 is provided for unforeseen events.
If you need medical care while abroad, you’re well covered with the Gold Card and Platinum Card. Foreign Travel Medical Expenses Insurance covers the costs of treatment and hospital stays.
Both the Gold Card and the Platinum Card include practical assistance services. Travel assistance covers, among other things, the costs of a replacement driver or interpreter fees. And with vehicle assistance, you can rely on roadside assistance, for example.
If you book a rental car during your trip and pay for the rental with your Platinum Card, the Loss Damage Waiver for Rental Cars is included, covering repair costs of up to CHF 120,000.
All American Express Cards include Transport Accident Insurance. This coverage protects you worldwide while using public transportation, provided you paid for at least 50 percent of the fare with your card.
Please refer to the insurance terms and conditions for the exact provisions (including coverage amounts and exclusions).
Travel with peace of mind thanks to comprehensive coverage
Whether it’s a city break, a business trip or a long-awaited vacation: With the right credit card, you travel with greater peace of mind. The insurance benefits included with American Express are there to support you if and when things don’t go as planned while you’re on the go. This leaves you with more time for what really matters: wonderful experiences, new discoveries, and a worry-free trip.
In addition, with the Platinum Card, you travel even more comfortably thanks to the included Priority Pass membership: This premium credit card gives you free access to more than 1,800 airport lounges worldwide. With the Gold Card, you enjoy two free lounge visits per year.
The right credit card for your lifestyle
Frequently asked questions and answers
The Platinum Card offers an exceptionally wide range of insurance coverage. It includes, among others, Travel Inconvenience Insurance, Travel Cancellation and Curtailment Insurance, Foreign Travel Medical Expenses Insurance, travel and vehicle assistance, Loss Damage Waiver for Rental Cars for Travel Abroad, and Transport Accident Insurance.
With the Gold Card, you benefit from Travel Inconvenience Insurance, Foreign Travel Medical Expenses Insurance, travel and vehicle assistance, and Transport Accident Insurance. This card is particularly suited to people who travel occasionally but still want good insurance benefits.
The Platinum Card is ideal for frequent travelers, as it offers a comprehensive insurance package and additional perks such as free access to airport lounges worldwide. Those who travel only occasionally are well-served by the Gold Card, which also includes solid insurance benefits.
