Whether you are traveling internationally or within the US, it is beneficial to have travel insurance in case plans go awry. Many credit cards include some form of travel insurance to cover travel booked using the card.
The Delta SkyMiles® Gold American Express Card has some protection, but not all travel insurance policies are created equal. For example, who is eligible and under what circumstances? Here’s what you need to know about Delta SkyMiles® Gold American Express Card travel insurance. conditions apply.
When does the Delta SkyMiles® Gold American Express Card provide coverage?
NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card’s rates, fees, rewards and other features.
Insurance coverage that comes with the Delta SkyMiles® Gold American Express Card applies to the cardholder and traveling companions as long as they are permanently residing in the US and use the card to pay for travel purchases . conditions apply.
Insurance will cover car rental loss or damage to safety and baggage delay or damage, and includes a global hotline to assist. You will have to pay for the entire journey by card. Using SkyMiles to cover the cost of travel is not eligible for travel insurance benefits. conditions apply.
Travel Insurance Benefits and Limits
The card offers only limited forms of travel coverage, which does not cover if your trip is canceled or delayed. This includes car rental coverage, bag delay assistance, and a global assistance hotline for emergency assistance while traveling. conditions apply.
car rental coverage
This is one of the biggest travel benefits that come with the card, but it is secondary to the other insurance you have. The cardholder must use the card to pay the full fare, although the use of certain coupons or discounts is permitted. You must be a member of the Card or an authorized user of the Card and have signed the Rental Agreement. conditions apply.
Your permanent residence must also be within the 50 US states, the District of Columbia, Puerto Rico, or the US Virgin Islands. conditions apply.
To activate coverage, you must decline the full collision damage waiver or pay for the partial collision damage waiver at the rental desk. The policy covers damage or theft to a rental vehicle up to $50,000, but many types of vehicles are excluded from coverage, including off-road vehicles, motorcycles, mopeds, vans with more than eight seats, or vehicles in Italy, Australia or Car rental in New Zealand is included. other. conditions apply.
global baggage security
This type of insurance covers lost, delayed or stolen baggage, whether misplaced as a carry-on or checked item through an airline. Security will provide reimbursement of up to $1,250 per covered person or up to $250 for a high-risk item such as jewelry, sports equipment or computers. The card would have been used to pay for the eligible journey. conditions apply.
Checked bags are safe only when on the plane, whereas carry-on bags are secure on the plane, at the airport, and in transit to and from the airport. Items including sunglasses, contact lenses, hearing aids and prescription medicine have many exclusions for safety benefits. conditions apply.
Global Assist Hotline
When traveling more than 100 miles from home, you can take advantage of the Global Assist hotline for emergency coordination or assistance at any time, as long as you used your Delta SkyMiles® Gold American Express card to pay for travel Is. This can come in handy when you’re in a pinch. conditions apply.
The service can help with lost passports, cash wiring, providing medical or legal referrals, or advising with bag delays. While there is a fee for some of these services, it is good to have resources to know where to start. conditions apply.
How to Claim AmEx Travel Insurance
Filing an insurance claim with AmEx can be done online at americanexpress.com/onlineclaim or by calling 800-228-6855. Claim information is available in the documents and benefits guide mailed to you when you receive the card.
Keep all the supporting documents with you as it will be required while filing the claim.
You must file a claim within a certain time period after an incident. Be sure to verify all timelines to make sure you don’t miss out on coverage.
Documentation may include details about missing bags, receipts for purchase or other evidence of covered items that were lost, damaged or stolen from the airline or other transportation carrier.
What if the benefits of the card are not enough?
Depending on the type of travel you plan or the items you travel, you may determine that the Delta SkyMiles® Gold American Express Card travel insurance is not sufficient, especially because it includes trip interruption or delay insurance. Not there. That’s why you might consider buying additional coverage.
To find a policy, contact your insurance provider or check out an insurance comparison site like Squaremouth. There are several types of policies, including travel medical insurance, long-term travel insurance or “cancel for any reason” insurance. The latter is often an upgrade to existing coverage, but can set back a substantial portion of your expenses — whatever the reason for the cancellation.
Delta SkyMiles® Gold American Express Card Travel Insurance, Rewritten
Whether you use the travel insurance that comes with your credit card or buy another policy, it is useful to know that you have coverage in the event of a travel accident or emergency. Familiarize yourself with the intricacies of each plan as they may differ.
To view rates and fees for the Delta SkyMiles® Gold American Express Card, visit this page.
How to maximize your rewards
You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2022, including: