Everything you need to know about Amex’s Premium Global Assistance and trip insurance benefits
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Editor’s note: This post has been updated with the latest information.
Although perks including airport lounge access, the up to $200 annual airline credit and up to $200 annual Uber credit (for U.S. services) may seem like the most valuable benefits of The Platinum Card® from American Express, there are a number of lesser-known perks the card offers. Among them are Premium Global Assist and trip insurance. While we all hope to never have to use these benefits, they’re worth familiarizing yourself with, as they can save you a ton of money and aggravation when you are in a time of need.
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Amex cards that offer Premium Global Assist and trip insurance
All Amex cards have access to Amex’s Global Assist Hotline, but trip insurance benefits are reserved for the higher-end cards. For the most protection, you’ll need Amex’s premium cards:
- The Platinum Card from American Express
- The Business Platinum Card® from American Express
- American Express Corporate Platinum Card
- Hilton Honors American Express Aspire Card
- Delta SkyMiles® Reserve American Express Card
- Delta SkyMiles® Reserve Business American Express Card
- Marriott Bonvoy Brilliant™ American Express® Card
- American Express Centurion Card
- American Express Business Centurion Card
The information for the Hilton Aspire Amex card, Amex Corporate Platinum card, Amex Centurion card and Amex Business Centurion card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
What is the Premium Global Assist Hotline?
Whenever you’re traveling on a trip of 90 days or less and 100 miles or more from home, you have access to Amex’s Premium Global Assist Hotline. The hotline can help you with everything from customs information and destination guides to unexpected issues you may incur during your trip, such as arranging emergency medical transportation, medical prescription replacement, missing luggage assistance and legal assistance. TPG reader Joseph was able to get tremendous value from the Global Assist Hotline during a trip to New Zealand when both of his children got sick and he needed help finding reputable medical facilities nearby.
While most services the hotline coordinates for you are at your own expense, there are some benefits available to Platinum and Centurion cardholders at no cost, such as emergency medical transportation and evacuation when the Amex physician or local physician decides that it is medically necessary and advisable due to inadequacy of local facilities and repatriation of mortal remains. There are some important exclusions, such as pre-existing conditions and refusal of permission by local authorities, so you’ll want to read the full terms and benefits guide (warning: PDF link) for your card. Also, note that the coverage is only for the cost of evacuation, not the actual medical care.
What’s covered by trip insurance?
With the trip delay insurance provided by the cards listed above, you’ll be reimbursed for unexpected expenses — such as meals, lodging and personal-use items — if your trip is delayed by more than six hours due to a covered reason. You’re covered up to $500 per trip so long as you booked round-trip flights and paid entirely with an eligible card (paying taxes and fees on award tickets or Pay With Points tickets are covered).
Amex defines round-trip tickets as travel consisting of “roundtrip, one-way, or combinations of roundtrip or one-way tickets.” So, for example, an itinerary bringing a covered traveler from New York to Los Angeles, then back from San Francisco to New York would qualify.
Some of Amex’s mid-tier cards offer trip delay protection as well, but only for delays of more than 12 hours and reimbursement of only up to $300.
Trip cancellation and interruption insurance, on the other hand, provides reimbursement for covered expenses when you are forced to cancel or cut a covered trip short for an eligible reason. If you qualify, you may receive reimbursement of non-refundable travel expenses of up to $10,000 per trip, with a maximum of up to $20,000 per eligible account for each consecutive 12-month period.
Covered reasons for canceled trips include inclement weather, terrorist action, call to jury, sudden illness or injury to you or an eligible traveler. Again, you must book “round-trip” travel, paid for entirely using your eligible card, to be covered.
Here’s a sampling of what’s not covered by trip cancellation/interruption insurance:
- Pre-existing conditions
- The Eligible Traveler’s suicide, attempted suicide or intentionally self-inflicted injury
- A declared or undeclared war
- Mental or emotional disorders, unless hospitalized
- The Eligible Traveler’s participation in a sporting activity for which he or she receives a salary or prize money
- The Eligible Traveler being intoxicated at the time of an Accident. Intoxication is defined by the laws of the jurisdiction where such Accident occurs
- The Eligible Traveler being under the influence of any narcotic or other controlled substance at the time of an Accident, unless the narcotic or other controlled substance is taken and used as prescribed by a Physician
- The Eligible Traveler’s commission or attempted commission of any illegal or criminal act, including but not limited to any felony
- The Eligible Traveler parachuting from an aircraft
- The Eligible Traveler engaging or participating in a motorized vehicular race or speed contest
- Dental treatment except as a result of Accidental Bodily Injury to sound, natural teeth
- Any non-emergency treatment or surgery, routine physical examinations
- Hearing aids, eye glasses or contact lenses
- One-way travel that does not have a return destination
- A counterfeit scheduled airline or train ticket; or a scheduled airline or train ticket which is charged to a fraudulently issued or fraudulently used Eligible Card.
- Any occurrence while the Eligible Traveler is incarcerated
- Loss due to intentional acts by the Eligible Traveler
- Financial insolvency of a travel agency, tour operator, or Travel Supplier
- Any expenses that are not authorized and reimbursable by the Eligible Traveler’s employer if the Eligible Traveler makes the purchases with a commercial Card
Lesser-known benefits such as Premium Global Assist Hotline and trip insurance can be lifesavers. Whether you’re planning a winter getaway or to take a post-pandemic family vacation to New Zealand like TPG reader Joseph, hopefully, this post has given you some peace of mind that your Amex Platinum will help save the day in case anything goes wrong. Just be sure to review your cards’ full benefit guide very carefully for the full list of terms and conditions.
Featured image by Vicki Smith / Getty Images.
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