Travel hassle-free, everything you need to know about free insurance from American Express Gold and Platinum
The unexpected, you know, is the order of the day, especially these days! In the world of travel sometimes it is not enough [...]
The contingencies, you know, are commonplace, especially these days! In the world of travel sometimes it's not enough plan carefully all the itinerary and meticulously organize all the steps, often the unexpected is around the corner and can cost dearly...
In this article:
In Europe, for example, we are used to it well from the point of view of the sanitary, According to the Union agreements, in most member states, if we get hurt on the road and have to go to the hospital, the costs are very contents. Should we have to move even just to the UK, due to Brexit, or anywhere else in the world. Do you plan a trip to the U.S.? health care in the States is private, even an ambulance ride can cost quietly over 2.000$.
We did a hypothetical quote on one of the most well-known insurance companies. A family or a group of 4 friends traveling to the United States for 2 weeks, despite the discount the cost of travel insurance alone exceeds the annual fee of american express platinum, not including the cost of the additional insurance of any car rental. And in any case, the caps for medical expenses are 1 mln compared to the 5 mln offered by Amex.
The advice we at TheFlightClub we feel to give you is always to stipulate some insurance that cover you, those traveling with you, and the trip itself from any contingencies not calculated. There are many insurance companies that offer this service, but today we want to tell you about the included travel insurance policy free of charge for cardholders American Express Gold and Platinum.
Travel insurance with Amex Gold
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Thanks to American Express Gold you can have numerous advantages, in addition to the state cashback, you can take advantage of the Priority Pass program free of charge because it is included in the package.
Regarding travel insurance, there are several guarantees, let's see which ones.
Travel Accidents
The insurance policy allows you to protect yourself from the injuries occurred during travel, specifically if the same also occurred in the 3 hours prior to the time of travel while on the way to the airport or station.
Coverage falls if the accident occurred in public transportation. In addition, if within the 365 days from the date of the accident there are any consequences severe, the insurance covers a maximum of up to €275,000 and up to €375,000 indemnity for members of the Club Membership Rewards.
Travel inconvenience and purchase protection
Annoying inconveniences often happen during travel, whether they are delays, cancellations or lost luggage Amex Gold travel insurance comes your way.
In the case of delayed or postponed departure or flight cancellation, you may have a refund for hotel, meals and beverages up to a maximum of 300€, As well as for the loss of a coincidence.
Regarding the late delivery of a baggage you can have a reimbursement of up to 525€, in the case of the loss of the same you can have a compensation of up to 2,325€ for expenses incurred within 4 days and before the baggage is returned.
It is also possible to indemnify property purchased or own property brought during the trip in case of theft or damage of the same up to a maximum of €2,600 and €7,800 per calendar year.
Travel assistance and medical emergencies
America Express Gold will also cover the loss or theft of tickets, money or cards before embarking on the trip with a reimbursement of up to €1,000, in addition to assistance needed for the recovery Of lost assets.
In addition, for all emergencies medical there is a ceiling of 3,000€ and 250€ per day for any hospital stay or dental treatment.
Finally, if by chance you are forced to terminate in advance the trip and return to the home, all expenses (including for the return trip) will be covered if the damage exceeds €3,000.
Travel insurance with Amex Platinum
For holders of American Express Platinum the maximum limits and travel coverages are higher. Also offered is the opportunity to participate in the program Priority Pass Prestige level, let us go into specifics:
Medical expense insurance and assistance
Expenses medical covered during the trip may have a maximum of €5,000,000 for treatment, possible surgery surgical and hospitalization for an illness or injury suffered while traveling, daily compensation for nights spent in the hospital is €75, while compensation for convalescence is up to €300 per night.
Treatments dental emergency can be capped at €1,500, accommodation for a friend or relative during treatment goes up to €200 per night for up to 10 nights.
If, on the other hand, we get into serious trouble, we can have up to €150,000 ceiling for the expenses of research and rescue.
Cancellation, missed departure and delayed departure
Insurance coverage is also operative in the case of cancellation of the trip, up to a maximum of €10,000 per beneficiary. The insurance will also cover damage sustained to one's home or place of work if it exceeds €30,000, as well as cover all return expenses.
Trip interruption and personal effects coverage
As with American Express Gold, Amex Platinum also covers return expenses anticipated, With a ceiling of 10,000 per beneficiary.
Coverage will also be active for loss o theft of personal effects, money or cards up to a maximum of €3,000, plus €750 for any repairs to the property and another €750 for travel documents.
Car rental coverage, theft or damage
Should we decide to rent a car during our stay, we will also be covered in case of theft or damage up to 5 drivers, whether at fault or not, up to a maximum of €75,000.
Should we, on the other hand, cause serious damage and be forced to pay a compensation conspicuous, the ceiling is raised to €750,000 (1 million $ in case we were in the United States)
Travel inconvenience coverage and accident insurance
Also with American Express Platinum all the contingencies travel, for example, obligated travel up to €200 per person and reimbursement in case of flight cancellation.
The delay in the delivery of the luggage after 48h is included and is capped at €400 per person.
Even the injuries are covered to the extent of 75,000€ per trip or 425,000€ in the event of an injury on or by public transportation; compensation increases to 525,000€ if you are also a member of the Membership Reward Club.
Liability and travel legal protection
In addition to car rentals, all damages that the insured causes to property or persons are covered in general, up to a maximum of €1,000,000 for any compensation.
Also covered are any legal fees resulting from it, up to a maximum of €25,000 per case per year.
Conclusions
The hope is always that we will never have to use it, but the travel insurance of American Express Gold and Platinum allow us to travel serenely and more carefree, because we know that we can count on insurance that truly covers everything!
