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

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    How do I know I can trust these reviews about American Express Travel Insurance?
    • 4,481,129 reviews on ConsumerAffairs are verified.
    • We require contact information to ensure our reviewers are real.
    • We use intelligent software that helps us maintain the integrity of reviews.
    • Our moderators read all reviews to verify quality and helpfulness.
    Page 1 Reviews 0 - 10
    Customer ServiceStaff

    Reviewed July 11, 2024

    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 submitted 2 claims for the insurance reimbursement. Over 70 pages of documentation was send in multiple mailings. The AMEX computer routing system was terrible. Each time I had to call AMEX travel and have them route the call to Amex Trip Guard. Each time I got a different agent. Finally, I receiving email correspondence that the claim was denied because Swiss Air issued a credit to my account for taxes of $88.45, not the $7400.00 for the cost of the tickets. This was reported to AMEX travel Insurance as a refund - of non refundable tickets. Swiss Air could not supply Amex with the particulars as the tickets were issued not from AMEX, but rather via a third party - Expedia. I literally spent 30+ hours on the phone with agents in order to have conference calls with AMEX Travel, AMEX customer service, Trip cancel guard, and Swiss Air.

    FINALLY, a very compassionate adjustor - Kenisha. B. was willing to go the extra mile and dedicate effort to determine the only refund that I received was for taxes and not the cost of the tickets. Without this one person's help, the claim would probably be denied again. During this experience I learned that AMEX travel flight bookings are through a second party - EXPEDIA. Swiss Air did not have access to Expedia and this became a dog and pony show. I have used several other travel insurance companies in the past and never encountered anything similar. I should also note that both my wife and I have been platinum card holders since 2003.

    It is only in this past year that there has been a noticeable decline in the service offered by American Express. There are other better options available for the $695/yr./card that platinum charges. In summary: 1. Same time and effort and DO NOT USE AMEX travel insurance. 2. It is safer to always book flights directly with the airline - transfer your AMEX points to that airline directly or use them for hotels or car rentals. 3. Keep records of every transaction and phone call. Again, I would like to applaud the help rendered by Adjuster Kenisha B.!!!

    Reviewed May 17, 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.

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      Reviewed March 28, 2024

      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.

      Firstly, in October, we were advised by Amex Assurance Company representatives to cancel our tickets to Israel and not opt for vouchers for future travel. We followed this advice in good faith, believing that our insurance would cover the cancellation costs. We were then incorrectly instructed to file a claim immediately, leading us to believe that we were taking the necessary steps to seek reimbursement for our cancelled trip expenses.

      Our situation was further compounded by the fact that we filed a new claim within 30 days of our intended travel dates, citing the U.S. state government's travel advisory website that recommended against travel to Israel due to heightened terrorist activity. Despite providing clear evidence and following the prescribed procedures, our claim was summarily denied by Amex Assurance Company, leaving us out of pocket for over $2400.

      This entire ordeal has left us deeply disillusioned. As a newlywed couple, we saved for years to afford this honeymoon trip, only to have our expectations dashed by an insurance provider that failed to honor its commitments. The lack of empathy and understanding from Amex Assurance Company's representatives during our interactions added insult to injury.

      Customer ServiceCoveragePriceStaff

      Reviewed Dec. 13, 2023

      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.

      After many calls to Amex, I was told to use my discretion in changing my return flight. American Airlines/BOAC charge a fee of $13,000 to change the return flight. The front page of the Amex website says many things about the coverage in bold print, that are not true. The fine print in the policy limits the promised benefits. Amex denied the fee for the flight change, local UBER transportation to the hospital, and continuing medical and dental care back home. Apparently the coverage ends with the return to the states. I will not have to pay medical and dental. The payment I received for the claim was about 50% of the out of pocket in Portugal. I am a lawyer who feels responsible for allowing myself to be mislead.


      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.


      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.

      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.


      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.


      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!

      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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      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