American Express Travel Insurance

American Express Travel Insurance Reviews

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About American Express Travel Insurance

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American Express Travel Insurance Reviews

ConsumerAffairs has collected 45 reviews and 265 ratings.

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Page 1 Reviews 0 - 10

Reviewed Nov. 8, 2023

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.

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Reviewed Oct. 5, 2023

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.

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    Sales & MarketingStaff

    Reviewed Oct. 5, 2023

    Terrible service. They look for any excuse not to pay you. I hired the service for a trip to Fort Lauderdale/Ottawa and return. Days before traveling I got sick with Covid. After talking many times with different people who had no idea. Finally, after getting very upset, someone sent me some paperwork that I completed with my doctor certifying my condition and indicating that I could not make any trips. It was a trip exclusively for an administrative procedure. Now they inform me that they are not going to refund my money. So I can hire the insurance then. Tremendous scam. I will never use Amex Travel insurance again for my next trips.

    Horrible deception.

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    Reviewed Oct. 4, 2023

    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.

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    Reviewed Jan. 11, 2023

    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!

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    CoverageSales & Marketing

    Reviewed Nov. 25, 2022

    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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    CoverageSales & Marketing

    Reviewed Oct. 25, 2022

    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.

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    Reviewed Sept. 23, 2022

    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.

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    Customer ServiceStaff

    Reviewed Aug. 22, 2022

    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.

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    Customer ServiceCoverage

    Reviewed Feb. 18, 2022

    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.

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    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.

    by Holly Johnson Personal Finance Writer

    Holly Johnson is the founder of Club Thrifty, a personal finance and travel resource geared to families, and has over 10 years of freelance writing experience covering credit cards, loans, insurance and other banking topics. She is also the co-author of budgeting book Zero Down Your Debt: Reclaim Your Income and Build a Life You'll Love. Johnson is an investment expert who built and manages her own seven-figure portfolio, and she frequently writes about various investment strategies.

    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