Everything you need to know about Amex’s baggage insurance plan

Mar 13, 2021

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Have you ever had your bag lost or damaged during travel? It’s probably inevitable for frequent travelers since most airlines have no idea where your bags are between scans. Some airlines like American offer live baggage tracking through an app, but others don’t.

So it’s essential to have baggage insurance if and when your luggage doesn’t show up on the carousel. In today’s post, I’ll dive into the details of the baggage insurance plan offered by many American Express cards.

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In This Post

The basics of Amex baggage insurance

It’s essential to know all the various rules and restrictions surrounding Amex baggage insurance. Not all losses are covered, so it’s important to be aware of these limits. If they don’t align with your travel needs, you may want to look into buying additional coverage elsewhere. Here’s everything you need to know about the basics of Amex’s baggage insurance plan:

The types of losses it covers

Amex may cover losses resulting from damaged, stolen or lost baggage. Carry-on and checked luggage are both eligible for coverage.

Related: The best travel insurance policies and providers

When you’re covered

To be eligible for coverage, you have to travel on a common carrier, which Amex defines as any air, land or water vehicle (other than a personal or rental vehicle) that is licensed to carry passengers for hire and available to the public. Your rental car, as well as taxis and ride-share services such as Uber and Lyft, would be excluded.

To receive coverage, you also need to pay for the entire fare with an eligible American Express card or use Membership Rewards points to book tickets through Amex Travel. Trips booked with points or miles from other sources are excluded, though.

Related: TPG’s comprehensive guide to independent travel insurance — including coronavirus coverage

Who is covered

This policy covers both primary and additional cardmembers. Coverage also includes cardmembers’ spouses or domestic partners and any dependent children under 23 years old. However, travelers must be permanent residents of one of the 50 states, Washington, D.C., Puerto Rico or the U.S. Virgin Islands.

How much it covers

Most American Express cards will cover replacement costs for checked bags and their contents up to $500 per person, although so-called high-risk items are only covered for a maximum of $250. These items include jewelry, sporting equipment, photographic or electronic equipment, computers and audio-visual equipment. And carry-on bags are typically covered for up to $1,250.

However, you’ll enjoy additional coverage on select premium American Express cards, including The Platinum Card® from American Express and The Business Platinum Card® from American Express. Check Amex’s baggage insurance plan webpage to see the policy documents for airfare purchased with each eligible Amex card.

Amex Platinum card
Amex Platinum cardmembers receive additional coverage. (Photo by Wyatt Smith/The Points Guy)

Just keep in mind that coverage is secondary; Amex will only cover losses above any reimbursement you may receive from the common carrier.

Other important exclusions

This coverage excludes many items, including cash, tickets, animals, motorized vehicles and anything shipped as freight. Plus, this coverage excludes losses resulting from acts of war, government confiscation and illegal actions. It’s best to read the policy for your card, so you understand what types of losses Amex may exclude.

Related: Your guide to Amex’s travel insurance coverage

How to file a claim

If you’ve suffered a loss and you meet the conditions outlined in the policy document for your card, here’s what you need to do to get reimbursed. First, inform Amex of your loss by filing a “notice of claim” within 30 days of your loss. You can do so by visiting americanexpress.com/onlineclaim, calling 1-800-228-6855 in the U.S. or calling 1-303-273-6498 if abroad.

You’ll need to complete “proof of loss” paperwork within 60 days. This paperwork can include a claim form, a charge receipt and a written report of loss for checked bags. Once your claim is approved, you can typically expect reimbursement within 30 days.

Related: When to buy travel insurance vs. when to rely on credit card protections

How to maximize this benefit

Baggage claim
Protect yourself if your checked baggage is lost. (Photo by Brian A Jackson/Getty Images)

Here are some tips for making sure you get the coverage you need.

Pick the right Amex card

The American Express baggage insurance benefit is a strong one, especially since it covers carry-on bags. But when it comes to booking travel, not all Amex cards are created equal. One of the best options is The Platinum Card from American Express ($695 annual fee; see rates and fees), which offers 5x points on flights booked directly with airlines or on AmexTravel.com (on up to $500,000 in purchases per calendar year). The American Express® Gold Card ($250 annual fee; see rates and fees) is another strong option since it offers 3x points on flights booked directly with airlines or on amextravel.com.

Related: Amex Platinum vs. Amex Gold: Which one is right for you?

Always file a claim

Amex’s baggage insurance covers some things that you might not expect, including lost carry-on bags, without specifying that the loss must be the result of theft. So if you happen to leave your glasses or a jacket on a plane, you should be covered. It also doesn’t matter what form of transportation you use, so long as it meets Amex’s definition of a common carrier.

Therefore, this benefit conceivably applies to losses incurred on subways, ferries, aerial trams and just about any other paid public transportation form. So you might as well file a claim if something goes missing while you’re traveling.

Related: What to do if you leave something on the plane

File a claim with the transportation provider first

Even if this policy covers your loss, there are two reasons to file a claim with the airline or service provider. First, Amex will require you to submit a copy of the claim against the travel provider as part of its own claims process. Also, Amex’s coverage is secondary. It will cover you in excess of whatever the transportation provider does. So while the airline’s and Amex’s coverage might both be individually inadequate, you can receive compensation from both.

Related: Comparing the baggage insurance of premium travel cards

Bottom line

Cardmembers often forget about credit card travel protections. But it’s worth checking what benefits the cards you typically use for airfare purchases provide. After all, many of the best cards for airfare purchases offer various protections, including delayed baggage insurance, trip delay insurance and trip cancellation/interruption insurance. If you find your card doesn’t offer many protections, consider adding one of the best cards with travel insurance to your wallet.

For rates and fees of the Amex Platinum Card, please click here
For rates and fees of the Amex Gold Card, please click here.

Featured photo by Weerayut Ranmai/EyeEm/Getty Images.

Editorial Disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

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