American Express Travel Insurance Reviews

I purchased Amex travel insurance and they refused to coverage my cancelled flights. My original flight was cancelled and rebooked as a new flight so I called Amex (credit card phone #) and asked if airlines strikes were covered and they said no. They recommended I purchase the Amex Travel insurance so I gave them a call and told them about my situation. I confirmed with the rep that since the "rebooked" flight was a new flight, I could purchase the travel insurance. The next day I went to the airport and tried to check in. I was told I had not seats assigned, even though I had a text and an email confirmation from the airline that I had been assigned seats.

The travel insurance benefits are a complete scam. Travel Guard is underwritten by AIG and they put som many obstacles in the claim path that it is not worth your time to chase them, and Platinum Concierge is all but useless in helping. Even with a severe medical reason for cancellation, they don’t care and do everything to deny your claim.

Was inquiring about details before I purchased a policy that included medical benefits. They will tell you everything you want to hear except the truth. The salespeople know nothing about the plan except the overview. I had a question about the medical coverage and held for 4 hours. Finally, I was told my question could not be answered because I needed to talk to one of their licensed insurance agents. I was told that would be difficult since they were extremely busy. I pressed and pretty much was told I could hold on the phone for the day...that the queue was long and the calls circle back to the sales department. If it is this difficult to get a question answered, imagine how difficult it would be to get claims handled. SCAM...do not walk...RUN to another service.

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.

Incredibly tricky. Absolute waste of money. They have an unbelievable system in place to deny your medical and trip expenses. Shame on them. Filled my medical and they sent me a large list of requests which I gathered and sent to them .... and they never answered .... 6 weeks after I called them and they were full of excuses and reasons why they forgot to respond, however they denied my claim with nonsense.

They have enough policy wordings that is good enough to deny everything. Waste of money unless you get sick. Airlines delays have too many caveats to deny. Save your money. Most of the stuff is covered by the credit card companies. Insurance companies are legal scam artists.

I'm an Amex Platinum card holder who spends millions each year on our business. Amex USED to be a "customer first" company but I am not getting that anymore. The perks are nice but the customer service is absolutely garbage. I bought 3 flight tickets for an international flight. Even bought the insurance for cancellation & trip interruption. It turned out that my wife had a complication with her pregnancy that the doctor advised her not to travel so we had to cancel these tickets.

I purchased cancel for any reason for my Swiss Air business class tickets from Miami to Cairo departing, March 2024. With the outbreak of a war in the region, I cancelled these 2 flights in October 2023, expecting to get a refund of the 75% stated in the policy terms. However, since the tickets purchased through AMEX travel were non refundable, there was a credit with Swiss Air for the cost of the tickets for one year from date of purchase. This 1 year term ended, May 31, 2024

I purchased insurance for our Hawaii trip it was a package trip for 3 people. My mom had a stroke 9 days before the trip and was in the hospital she is currently paralyzed and won’t be able to travel ever again. Insurance claim was denied because 2 of the other people took the trip even though trip was priced 1250 per person and I purchased insurance for each one of us. American Express said claim was denied because two people still went and used the room. This insurance is trash and waste of my 300 dollars to feel protected. They are garbage and we will never used them again. They wasted my time filling out paperwork and all of the documentation from the doctors.

I am extremely disappointed with the experience I had with Amex Assurance Company's travel insurance. My spouse and I paid a significant amount for coverage, expecting that it would protect us in unforeseen circumstances. However, not only did the insurance fail to deliver on its promises, but the overall handling of our claim was incredibly frustrating and disheartening.

We purchased Amex Platinum Insurance coverage for a 3 week trip, and Portugal cruise. It was an expensive trip. Business class air, prepaid 8 day cruise. My wife tripped and fell on the sidewalk in front of our hotel. She lost a front tooth, split her lip, and broke her kneecap. After the fall I immediately called the Amex help line, waited 30 minutes, got disconnected, and called again. The Amex agent told me she was not familiar with Lisbon, did not know sources for medical, then suggested we used the hotel concierge. It was necessary we return home after one week.

I had a cancellation. On two occasions on my vacation. One due to a flight cancellation and the due to a train cancellation. I gave American Express Insurance over 60 pages of documents showing how and why our flight and train was cancelled. One representative told me it was the most detailed claim she had ever seen. However since we could not get nor did we receive a statement from the airline or the train company, we were denied our claim. Even though we provided proof that on both occasions the Italian Union for Transportation was striking on both dates we were affected. They did not accept that fact and said we did not have enough documentation. They try to wear you out to the point where you just give up. Do NOT use this company if you truly want to be covered by a reputable insurance company.

I was denied flight from Turkish Airlines, American Express Travel Insurance won't cover it and they keep bouncing me back and forth because the reason I was denied was not covered under the insurance policy. They won't even do research for themselves. I was an American Express fan but once Turkish airlines sends me what I need from them I will be leaving American Express as a whole.

Horrible deception.

Do not buy insurance from American Express. They don't pay. I had emergency medical evacuation and they don't want to pay. Never buy from them, they play games with me. I will tell all the people that I know not to buy from them the travel insurance.

I am a platinum cardholder who spends millions of dollars a year with Amex. I almost died while traveling abroad from a first-time massive seizure, and after being hospitalized in a developing world facility I immediately focused on getting home to an American hospital without getting a written Dr's note first (also nobody spoke English to even get a letter from). After months of work I was continually denied for coverage. This company doesn’t care about its customers and it certainly doesn’t care about people. I am disgusted and shocked they convey themselves as insurance. Do Not trust this company for any sort of coverage!

After months and months of back and forth with American Express asking for more and more documents plus multiple conversations with representatives American express denied my claim for travel interruption. Although I submitted official government covid test results American express says you have to have a physician's examination for coverage even though the country they sold me insurance for does not allow you to see a physician once you have a positive test result. This is a scam.

We were stranded in Dublin as a result of an global IT failure at Aer Lingus. We thought AMEX Travel would cover expenses but our claim for trip interruption was denied because this unusual situation was "a change in plans for reasons other than those specifically listed in this coverage". AMEX's logic that our coverage was limited to only foreseen circumstances does not align with the language in their advertising nor the potential for unexpected situations inherent in the idea of travel insurance. I would not purchase this insurance again.

I have no idea when I signed up for this. I recently booked flights and almost immediately found better prices and closer airports to my destination (cancelled tickets and bought new ones). Travel assure was automatically charged to my card for all the tickets. The cancelled tickets were refunded but travel assure kept 70% of the premiums for all the cancelled tickets. The trip is over two months out and we’re cancelled the same day. It took three calls to figure out why the total premium wasn’t refunded. The lack of transparency of the policy and hoops you have to jump through to get an explanation borders on criminal. As a result, I’m likely using other credit cards and looking else where for these services.

Have spent hours and hours trying to get a copy of my travel insurance. Each request they say will take 24-48 hours. Been requested 3 x and no email. Talking to a rep multiple times and get a run around about the system. Requests keep being sent and even they admit that the emails have not been sent. Yet they can not get ahold of anyone to send an email. Supervisors are not available. DO NOT WASTE YOUR MONEY.

Avoid paying for expensive Amex cards on the pretext you can use the card for coverage when renting a car. I had a incident thought I was covered if I had a incident. How wrong I was, Amex is second in line. They want to see if your personal car insurance will cover it. They constantly ask for different information, give you the run around.

I bought travel insurance # **. Claim # **. I filed a claim two months ago, I never received a reply. I resubmitted the claim on 2/7/2021 with all the information requested. USPS **. Delivered July 05, 09:34 AM El Paso, TX. Send the documentation where AMEX informed me. Mail: American Express, AMEX Assurance Company, PO Box 981553, El Paso, TX. 79998-9920. To date, I have not received any kind of reply. When I call Customer services they say they know nothing and that they are a third party and do what they can, all in incomprehensible English. Call center overseas. For many years I used this company for my travels, which were not few. Today I realize that they were scamming me all the time. Should I resign myself to being scammed? American Express Scammers.

We purchased trip insurance for an upcoming wedding out of the country due to the uncertainty surrounding COVID-19. Predictably, the wedding was canceled. When I contacted Amex Assurance I was told that my trip could not be covered because it was not specified on page 42 of the document. I went back and looked at the language presented when they offer this product and it's highly misleading. The first bullet point on the benefits for your Covered Trip is, "Trip cancellation/interruption coverage; coverage for non-refundable expenses and additional expenses should you have to cancel or interrupt your trip due to illness or other covered emergencies." If COVID-19 isn't illness I don't know what is. Save your money - don't buy this.

We purchased the highest coverage from American Express Travel Insurance and when we couldn’t travel to Italy, we contacted them. We were asked who told us not to travel to Italy from New York on April 27, 2020. I said first of all, the President of the United Stares. Then we were asked if we has a letter from our doctor - we did. Filled out all the forms and were turned down.

I purchased the insurance in October, 2019 for a 10 day trip to Italy. American Airlines cancelled my flight April 12, 2020, due to Coronavirus. Shortly after, Dr. Quarantined and provided a letter of diagnosis. AMEX Insurance refused to provide any benefit. AMEX Insurance provided a denial of coverage, and cut and paced excerpts from the policy stating the airline cancelled... and it wasn’t due to strike. AMEX Insurance refused to uphold the policy provisions specifically providing benefit for persons who are quarantined by a physician prior to or during their trip.

I have purchased the American travel insurance from AMEX on FEB-1. When we checked with the doctor, the doctor advised that do not travel outside of USA and gave a suggestion letter. So, We canceled the air ticket. Now when I filed claim with AMEX, they rejected the claim. They said that "We must respectfully advise that coverage is not available for cancellation due to the possibility of the Coronavirus disease 2019 (COVID-19) impacting you, your trip and/or destination since it is not a Covered Reason listed." But when I read at the policy document, it is mentioned that anything threatening to life will be covered. So, it is not fair AMEX.

This past year my husband and I booked a long anticipated river cruise. Unfortunately, earlier in the year my husband needed knee surgery, which lead to the necessity for a second knee surgery, which in turn lead to a third surgery. During this complicated medical journey, he developed sepsis, which created a chemical brain imbalance, leading to a diagnosis of PTSD. (It is noteworthy to say my husband was in excellent physical and mental health before the first surgery, other than a torn meniscus). We have provided very accurate medical accounts and detailed doctors's reports, validating what had occurred. American Express Travel Insurance claims that his condition is 'mental" and therefore, our claim for reimbursement was denied.

When I inquired and contested about AMEX's two Travel Insurance charges ($18.99), I was told we got charged because we opted-in to their particular program 23 years ago (1996). I explained I didn't know about such program so long ago and that I have made flight reservations using AMEX before but never got these charges. So, I asked for the charges to be reversed given I was not aware of such program and did not authorize the charges. That moving forward, I would use the card for flights knowing we will get charged.

Although I read these reviews in advance, I thought it wouldn't happen to me. That was a mistake, and I suggest you try a different insurance company even though this one is cheaper. Here is my story. I purchased the top insurance product for trip cancellation/interruption and medical evacuation and accident/death. I read the policy completely (all the fine details) before I purchased it. During my two month trip I had three "qualifying" incidents and all three claims would not be accepted.

I submitted a claim to cover an unexpected early termination of our vacation in Europe. All I wanted was for AmEx to cover the airline-imposed fees for changing our reservation. We had to come back three days early because our dog developed a large ugly infection in his kennel. Our 12-year-old Lab, a rescue dog, has been a member of the family for 11 years. But the claim was denied because he is not a HUMAN member of the family. Why would we have bothered going through a half-day's effort to change our hotel reservations and air reservations--to say nothing of the lost sightseeing for those three days--if he were not a member of the family?

Terrible Service-Mistake and Delay to Avoid Payment. Filed a claim on behalf of family member, husband and wife. Wife suffered a first time stroke. Denial claimed this was pre-existing condition. Called and asked for review. Request made, no response received. Called to check. Got overseas agent who claimed there was no review just appeal. Asked for supervisor. No US supervisor available. Twenty minutes in holding for overseas supervisor. Next step is letter to Company president and GC with claim at Insurance Commissioner and small claims court. American Express should be ashamed of itself. I have been a multiple cardholder for 30 years plus. What a disgrace this Company and particularly it's travel divisions/affiliates have become!