No, American Express Travel Insurance can be purchased using a debit or credit card not issued by American Express.

American Express Travel Insurance can be purchased by any person who is at least 18 years old, a permanent resident of one of the 50 United States or the District of Columbia, and who resides in a state where this product is available for purchase. 

You can purchase American Express Travel Insurance for yourself and for others.

If you are purchasing American Express Travel Insurance to cover other travelers, they must reside in one of the 50 United States or the District of Columbia. You may insure no more than 10 Covered Persons including yourself. Please note there are additional eligibility requirements for certain states.

Yes, even if you are not taking the trip, you may purchase American Express® Travel Insurance for other parties. Please note there are eligibility requirements for certain states.

Coverage is worldwide except where coverage would violate US economic or trade sanctions. 

No, insurance must be purchased prior to your trip.

If your trip hasn’t begun, you can purchase American Express Travel Insurance via this website. If you are traveling today, please contact us at 1-800-228-6855.

Insurance regulations can vary by state, so choosing a state will assist us in providing the product information relevant to your state of residence. American Express Travel Insurance may not be available in your state.

The state of purchase is the state in which the purchaser is a permanent resident.

You can request a full refund within 15 days after receipt of your Plan Documents. After the 15-day review period:

• Refunds for post-trip departure benefits such as Global Medical Protection, Travel Accident Protection, Global Baggage Protection, and Global Trip Delay may be eligible on a pro-rated basis.
• Trip Cancellation/Interruption is non-refundable after purchase (Kentucky and Michigan residents only – trip cancellation is non-refundable after purchase).

No refunds are issued after the trip has begun and/or eligible claims are paid.

All American Express Travel Insurance packages and build your own options give you access to the 24-hour Travel Assistance Hotline during your Covered Trip at no additional charge. The 24-hour Travel Assistance Hotline can help you with:

Pre-trip Information

• Visa and/or Passport requirements
• Inoculation information
• Travel warnings

Worldwide Assistance While Traveling

• Medical referrals: help locating qualified doctors and dentists in the area who speak your language
• Medical monitoring: if you’re hospitalized when traveling, medical advisors monitor your case from admission until discharge, keeping in close contact with the attending physician, your family physician, and your family
• Legal referrals: help finding convenient legal assistance
• Lost baggage assistance: help with the return of lost baggage by coordinating with the commercial carrier
• Interpretation/translation assistance: emergency telephone translation services in major languages and referrals to interpreter services
• Locating ATMs: help finding ATMs around the United States and in many foreign cities
• Weather forecasts: detailed short term weather forecasts or month-to-month averages
• Foreign exchange rates: timely foreign exchange rates for currencies around the world

To reach the 24-hour Travel Assistance Hotline please call:

• U.S. Toll-Free Number: 1-800-228-6855
• International Collect Number: 1-303-273-6497
  

AMEX Assurance Company is a wholly owned subsidiary of American Express Company that provides insurance products to meet a variety of travel needs. 

Certain Cards provide insurance or may provide different benefits. Please check with your card issuer to see what may be included with your Card.

Yes, you can modify your coverage any time prior to your trip departure date. No coverage changes can be made after your trip has begun. A new premium based on your changes will be calculated as necessary. To make a change to your American Express Travel Insurance, please contact a representative at our toll-free

number 1-800-228- 6855.

No, coverage is purchased on a per trip basis. Only the trip that you specify for coverage can be covered. Therefore, you must purchase coverage for each trip.

Coverage can be primary or secondary, based upon your state of residence and the applicable benefits.  Please read your Plan Documents.

Yes, subject to the Coverage Effective dates found in each product’s terms and conditions. If you do not receive your documents within approximately 7-10 days after purchase, please call us so we can resend them.

Plan Documents are sent to you after purchase. If you cannot locate the Plan Documents, then please contact us at 1-800-228-6855 to have the documents resent. 

It is important to seek medical attention prior to cancelling or interrupting your trip. To allow us to objectively evaluate your claim, you will need to be seen by a Physician or Dentist. Then, as a result, you will need to provide us with a note from the Physician or Dentist stating that the Covered Person’s trip must be cancelled or interrupted because the unexpected or unintended injury, illness, or disease that you were seen for is so disabling that the Covered Person’s trip must be interrupted or cancelled.

Yes, and the pre-existing condition exclusion can be waived if the Covered Person was medically able to travel at the time of purchase and coverage was purchased within 14 days of making the first trip deposit. The pre-existing condition* exclusion may apply in instances where medical advice or treatment
was received 90 days preceding the coverage effective date. The exclusion solely applies to Trip Cancellation/Interruption and Global Medical Protection.

Please read the Plan Documents issued upon enrollment carefully, because the pre-existing condition exclusion may vary by state.

*A Preexisting Condition is defined in the Plan Documents as “a Sickness or Accident that existed, or for which a Covered Person, Traveling Companion or Family Member of a Covered Person or Traveling Companion was treated or received medical advice, before the Coverage Effective Date. The existence of a Preexisting Condition may cause certain benefits to be excluded.” Please see the Sample of Insurance for additional defined terms. 

Every travel protection package and build-your-own-option contains exclusions and limitations. For information on the limitations and exclusions, please refer to your Plan Documents.

To file a claim, or check the status of your claim, contact us by using the phone number or address listed below. If you are checking on your claim status, please have your policy and/or claim number available.

Phone:

• U.S. Toll-Free Number: 1-800-228-6855
• International Collect Number: 1-303-273-6497

Mailing Address for Claims:

AMEX Assurance Company
PO Box 53701
Phoenix, AZ 85072-9872

Please review the Proof of Loss section in your Plan Documents under the benefit for which you are submitting a claim. Our claims department will advise you of what documentation will be requested to validate a claim. 

We ask that you contact us to file a claim as soon as possible after the loss occurs. Please review your Plan Documents for the specific time requirements.

Payment varies depending on the benefit for which you are submitting a claim and will be issued after proper proof of loss is received and the claim is validated.