American Express Travel Insurance
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About American Express Travel Insurance
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American Express Travel Insurance Reviews
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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.
They will sell you insurance for countries that there is no way their fine print will let you receive coverage and even though I had official government sanctioned test results my claim for the hotel and train that I also booked through American express travel on my American express card and could not use because of covid was denied. I have been an American express member for 25 + years and have never had an experience like this with their service. Do not bother buying the travel insurance. It is a waste of money as they will not actually cover you!!!!
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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.
Claim adjuster Jenelle ** you cannot contact, Amex claim adjusters don’t have email addresses. I am out $5,000 and being given the complete run around by Amex. I am going to either downgrade from platinum card or abandon Amex and when renting a car take the full coverage offered by car rental company. Make yourself aware of what Amex is really covering for, I have learnt the hard way.
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.
Furthermore, AMEX Insurance does not provide provision for appeal and due process in their denial letter. Due to their gross incompetence, lack of responsibility, and complete disregard for the health and safety of their consumers, I will not purchase this insurance, or ever purchase through AMEX travel again. I am submitting a case to the CFPB in hopes due process procedures will be put in place for others, and a refund of my premium.
American Express Travel Insurance author review by Holly Johnson
As a Fortune 500 company, American Express offers a wide range of financial and insurance services.
Baggage insurance for customers: American Express card holders may already have baggage insurance as an add-on benefit.
Travel accident insurance on offer: Another benefit given to American Express card holders is travel accident insurance. As long as you paid full fare on a common carrier, your flight is covered.
Get a global assist hotline: A concierge service by any other name will still help you with a lost passport, missed flight or other emergency.
Amex partners with Travel Guard for trip insurance: Amex stopped offering direct travel insurance, but they work with Travel Guard to continue offering comprehensive travel coverage.
American Express Travel Insurance Company Information
- Company Name:
- American Express Travel Insurance
- Year Founded:
- World Financial Center, 200 Vesey St.
- New York
- Postal Code:
- United States
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