American Express Travel Insurance Reviews

We called before evacuating. The agent told us that a preemptive evaluation before a hurricane hit would be covered under our policy (she looked up the policy). I asked what evidence I needed. She said maybe a screen shot of the new reporting. How severe the conditions could be. We evacuated before the storm based on new reports. The place we were staying was severily damaged and the airport was shut down after the storm. We file a claim and its denied Amex says we should have stayed and risked our lives (including my 4 yr old daughter) to get our hotel and flight reimbursed. Being safe and leaving a before it's a dangerous situation means they do not have to cover us. Stay away from this service.

Refuses to pay all claims. Run away from them. Use Allianz global assistance instead. Had a connection in August from Finnair to United at Los Angeles airport, united claimed I arrived too late for connection. Rebooked me for the next day. I believe this is the very definition of "Trip interruption," yet this company denied claim stating "Cancellation/Interruption... ...c. We will not pay benefits under Trip Cancellation/Interruption coverage if the loss for which coverage is sought was directly or indirectly, wholly or partially, contributed to or caused by or related to:... ...(5) changes in plans for reason other than those specifically listed in this coverage...” How is a missed connection a change in plans? Will sue in small claims but what nuisance for $100. I'll spend more on the lawsuit but someone has to put a stop to their deceptive and dishonest business practices.

This travel insurance is a SCAM. The answering time is extremely slow. They keep asking for unreasonable documentation to proof that your flight/trip was cancelled. I couldn’t even believe it. Go elsewhere.

Amex travel insurance is not comparable to other travel insurance options. Shop elsewhere. I've used the Amex card for decades and been pleased so, after using several other trip insurers, I gave Amex travel insurance a try. Bad choice. My problem was an airline delay that cost me a prepaid hotel night and city tour, $700 total. The airline would not cover these, so I thought my $4,000 Amex policy would.

Do not waste your time or money with this. Amex usually refunds your total balance regardless. I have spent 3 months of hours long phone calls for a trip months ago that I had to cancel for a medical emergency. Highly considering leaving American Express for being so dishonest with their policies.

Just had a claim denied 2x and two phone calls to a cold "NON CUSTOMER FOCUSED COMPANY". Airport closed in Sicily. Could not land. lost 1 day hotel. Should be a no brainer! Denied! Repeat AMEX Travel customer and previous card holder. DO NOT USE AMEX for travel insurance. Bad company. Too many loopholes to not pay claims. Couple traveling with us was paid by their insurance company in 1 week under same conditions. RUN away with AMEX Travel!!!

Have had this insurance for over a year. Submitted a simple claim for a doctor visit and for antibiotics and it’s taken over four weeks now with multiple requests for more information. Hard to get answers.

I had a dental emergency while traveling in Spain. I had a loss of a crown in one of my teeth that need to be restored. The claim was denied arguing that the treatment was not administered to the natural tooth. This insurance in my opinion is worthless and misleading. I will not recommended it.

I don’t know where to start! This has been the worst experience I’ve had in years. I purchased travel insurance to have peace of mind and be covered if life happens. I had a loss of a family member. The amount of paper work and correspondence needed in order to cover my claim was unimaginable. I actually booked through Amex and then they needed the travel itinerary mailed to them. That’s after booking through THEM! After many phone calls and countless attempts to do it online. Which is impossible because of the capture feature that I could not get past. They are now requesting a death certificate. This is IMO a way to have customer fatigue set in and have me give up. I will never buy insurance through them again. I’m also considering getting rid of Amex. I pay a high premium annual fee and this is how I’m working for them. I never write reviews but this was truly a nightmare. Wow!

1 is the lowest number on here, AMEX assurance deserves a -0. As everyone on here says, it’s a big scam, don’t waste your money. I’ve been buying their travelers insurance for yrs, I was in the hospital in Asia, first time I needed insurance, came back, filed my claim. They had every excuse in the book not to pay. Kept on adding more things they wanted until I gave up. My advice to everyone needing travel insurance, buy it from a reputable company in the country you're going to, so it’s covered there you don’t need to be reimbursed or pay out of pocket. American Express has always been great, this travel insurance company they have is a scam, I don’t think it’s actually Amex I think they just use there name. The best part is they want a denial letter from your insurance provider, you can’t get it because out of the country you have to pay out of pocket then get reimbursed, but your insurance provider needed to be billed by the hospital. Amex insurance knows this loophole, such a scam.