Amex Adds Travel Coverage To Premium Cards

Filed Under: American Express, Credit Cards
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American Express has just revealed some significant changes to their travel & purchase protection. This comes just two days after Citi made massive cuts to the purchase and travel protection offered by their cards.

Amex will advise card members officially of these changes on October 1, 2019, and they’ll take effect as of January 1, 2020.

This is great news for travel coverage (an area where Amex has historically lagged), and bad news for some other purchase and protection benefits previously offered. Let’s get right into the details.

New: Amex Trip Cancelation & Interruption Coverage

As of January 1, 2020, Amex will offer reimbursement for trip cancelation and interruption:

  • This is valid for roundtrip tickets paid for entirely with your eligible Amex card (this would include paying taxes on an award ticket with your card, or Amex Pay With Points tickets)
  • This applies to covered reasons, which include things ranging from bad weather to illness
  • You can be reimbursed for up to $10,000 in non-refundable travel expenses per trip, up to $20,000 per year

This new coverage applies on the following cards:

New: Amex Trip Delay Coverage

As of January 1, 2020, Amex will offer reimbursement for trip delays, as follows:

  • This is valid for roundtrip tickets paid for entirely with your eligible Amex card (this would include paying taxes on an award ticket with your card, or Amex Pay With Points tickets)
  • This applies if you’re delayed by at least six hours, in which case you can be reimbursed up to $500 per trip for necessary expenses, like hotels, meals, and other essentials

This new coverage applies on the following cards:

On top of that, the coverage applies on delays of over 12 hours with the following cards:

Amex Reducing Extended Warranty & Purchase Protection

As of January 1, 2020, Amex will be making significant changes to their extended warranty and purchase protection:

  • Amex will be reducing the extended warranty on most of their cards from two years to one year
  • Some no annual fee cards will lose extended warranty coverage altogether
  • Amex cards that currently offer purchase protection will see the eligible period be reduced from 120 days to 90 days

Amex Removing Travel Accident Insurance & Roadside Assistance

As of January 1, 2020, American Express will be eliminating two types of protection altogether:

  • Amex will be cutting travel accident insurance, which covers expenses related to death or dismemberment while traveling
  • Amex will be cutting roadside assistance

My Take On Amex Coverage Changes

Whether or not these changes are good or bad news depends entirely on your purchase patterns. Personally I’ve never taken advantage of roadside assistance, travel accident insurance (thank goodness), extended warranty, or purchase protection.

Suffice to say I’m thrilled to see Amex adding proper travel protection for delays and cancelations, especially given that The Platinum Card® from American Express offers 5x points on airfare purchased directly from airlines.

Ultimately the coverage isn’t quite as robust as what you’d find on the Chase Sapphire Reserve® Card (review), as it only covers roundtrip tickets, and not one-ways. However, in the grand scheme of things that’s a fairly minor point.

So for my purchase patterns, I’m quite happy with this, though others may not view these changes so positively.

What do you make of these changes to Amex’s travel & purchase protection?

Regarding Comments: The comments on this page have not been provided, reviewed, approved or otherwise endorsed by any advertiser, and it is not an advertiser's responsibility to ensure posts and/or questions are answered.
  1. Just to add to the chorus, I’ve seen several sources now report language indicating award trips are covered.

  2. Losing roadside coverage is a bummer. Have used it in a pinch a few times for dead batteries, flat tires, etc.. Guess I’ll have to join AAA next year. 🙁

  3. I have a feeling they will regret covering illness and inclement weather. Those will be used and abused VERY frequently.

  4. Would like to understand how Amex is classifying “round trip” — I routinely book two one-way tickets and it would be a bummer if this was not covered.

  5. Real bummer with road assistance being axed…used it in the past for lockouts. One of the benefits I valued so def need to reassess keeping the Plat.

  6. I just booked hotels and airfare for 2 different trips, about $5,000 total, and put it all on my CSR because of the travel insurance they offered. Amex majorly lost out and is finally catching on, so that’s good, because it’s a joke that they were a premium card without offering these already.

  7. Very, very happy to see the travel protection added. This means my Amex Platinum will be my go-to choice for virtually all my flights I book going forward. (And makes me start questioning if it’s worth keeping the Chase Sapphire Reserve, or downgrading it to the preferred.)

    The reduced extended warranty is definitely a loss for me. I’ve had to use benefit this across various different card issuers, and I can say unequivocally that Amex was by far and away the best with this. Far less questions and efforts to dodge coverage when it was needed than with my other card issuers. It’s saved my butt on purchases big and small, so much so that I have gotten in the habit of always charging any sort of higher end items (electronics and luggage are two categories that come to my mind) to my Amex for the extended warranty coverage, even to the detriment of getting better rewards with a different card.

  8. Citi: We’re canning most of the popular benefits of holding our premium cards.
    Card holders: Damn, may cancel my (insert Citi card name).
    *Amex has enters the chat*

  9. I think it’s the gold and green card that are eligible for insurance of trip delay of more than 12hrs rather than the Gold Delta personal/business cards as per the report by TPG.

  10. Not only Amex does not cover one-way tickets, it does not even cover all types of round trips. For example if I depart SFO and return to SJC, I am not covered, because I am not returning to the original city of departure!!! Their T&C for their coverage doesn’t make sense. In my book I won’t consider that Amex has added these benefits until after (if ever) they cover one-way trips. If they ever do that, almost all possibilities that are currently ridiculously excluded from the coverage will be sensibly covered.

  11. I echo others. Recently convinced my
    father to get roadside assistance as he could drop AAA. He will not be happy. Nor will I.

  12. This is certainly a game changer. I have the Platinum as well as the Prestige and after losing all the benefits on the Prestige, i had been debating my longer term strategy. I had planned to keep using Prestige since I also have the Rewards+ and that made the airfare bonus 5.5x instead of 5x. But now i’m going “full Platinum” with airfare (and just may “full Gold” with dining) and start my wind down plan from the TYP ecosystem.
    Between the (Prestige+DC+Rewards+) trifecta and (Platinum+Gold+BBP) trifecta, now the Amex trifecta is more useful simply because of the travel coverage benefits.

    Unless Citi introduces some other meaningful benefit to the Prestige, its on my “winding it down” list.

  13. This does nothing to persuade me to put another premium AMEX card in my wallet…AMEX has a very long way to go to earn back my business.

  14. @Jetiquette
    Worry not for AMEX
    AMEX can be very sophisticated in protecting their interests. I actually took out an AMEX policy for travel and I was forced to abandon the claim after they demanded what might have been hundreds of pages of documents pertaining to all unrelated medical care in the 5 years prior. The claim was for documented food poisoning resulting in dehydration and IV and metabolites administered. Somehow, total costs were only about USD500 so I learned my lesson. Years later, I still get annual notices regarding how they can and will share confidential medical information that should be HIPPA qualified.

  15. Only regular roadside assistance (the pay per use coverage) is being eliminated.

    PREMIUM roadside assistance (4 uses per year with no cost to cardholder) which is offered on the high annual fee cards such as Platinum, Gold, etc. will be retained.

  16. We value the travel accident insurance as we were with friends in Alaska (2 cars, both being paid for with the Platinum card) and our friend had a very bad auto accident. Totaled the car and all 3 occupants went to the hospital in Homer and EVERYTHING was covered and paid for.

  17. @Ben (Lucky)
    Small thing I’d like to point out, but based on an article by The Points Guy (, AmEx’s Roadside Assistance HOTLINE (the roadside assistance coverage provided on the Green Card, some Delta cards, etc) is being discontinued. However, nothing is mentioned about cancellation of PREMIUM Roadside Assistance (coverage on the Platinum Card, Gold Card, Delta Reserve Card, etc). So I don’t think roadside assistance is being cut entirely.

    The other thing is that according to TPG, “a round-trip is defined as travel to one or more destinations that begins and ends in the original city of departure. So one itinerary bringing a covered traveler from New York to London, then back from Paris to New York would qualify as a round-trip for the purposes of Amex’s insurance coverage.” This sounds like multiple one-way tickets will count as a round-trip, as long as you come back to the original city of departure.

  18. As some people are stating, I would be VERY happy if the Premium Roadside Assistance stays. I’ve used it before, and it works really well. But if they’re getting rid of the pay-per-use Roadside Hotline, what’s the point in that?

  19. This latest round of changes underscores my belief that, at least for areas where it can be obtained relatively cheaply, explicitly *paying* for coverage is less likely to be devalued or loaded with procedural hurdles. In other words, pay for a standalone annual AAA membership. AAA knows that if they screw around with basic towing/lockout/dead battery coverage, people will simply not renew memberships. Similarly, Amex offfers paid “Premium Rental Protection” coverage for cars rented with Amex cards that are subscribed to “PRP for less than $25 per *rental* (not per *day*). Again, since that’s a *paid* product, Amex doesn’t randomly mess with it without warning.

  20. This was the main thing missing from Platinum for me. (Remaining is to allow Delta SkyClub access for companions.) Will likely move all my airfare spend to Amex Platinum now.

  21. Has anyone seen the T&Cs? If I buy a ticket today for travel after January 1, would Amex cover me? Or is it only for purchases after Jan 1?

  22. I hope we are not losing the AMEX Platinum roadside assistance – the 4 tows per year .

    It has saved me twice the past year , the phone agents are incredibly helpful , they send you a link to track where the tow truck is and then follow up to check on the service .

    I have not joined AAA because of this service so losing this benefit would be another ding against the card and loss of value , especially after losing the Delta gift card benefit

  23. I’ve used road side assistant before, would be a bummer if they removed it. Also the 120 days of purchase protection to 90 is also not good in my book. I’ve taken advantage of purchase protection since there are young kids in my house and newly purchased items get broken. Purchase protection saved me a few times over the year.

  24. This is a good post because I often forget or don’t know what benefits I have with the Amex Plat. I keep it for the lounge access and 5x for flights.

  25. Eliminating travel accident and dismemberment insurance coverage and lacking emergency travel medical coverage makes it incomplete as a premium travel card. So though there are some positive changes, I’m still sticking with my CSR for travel. Been a moneymaker for me the last several years.

  26. If roadside coverage goes with the AMEX Plat that would seriously suck. I haven’t used AAA in over 10 years. That $85 savings was one was yi justify the ridiculous cost and increases. First they drop the private restaurants from Priority Plus, now this.
    Those new Centurion lounges are still a long time away…

  27. @Ron

    You claim when your kids break things? That’s OK, Johnny, just throw it against the wall. Doesn’t matter, I’ll get you a new one for free.

  28. @Jordan,

    I think many would consider JFK-anywhere-EWR a round trip. Meanwhile EWR is not in the same city or even the same state. SFO to SJC seems the same situation to me.

  29. AMEX Assurance sucks anyway, the ONE time I had to use it, my claim was denied. They should do away with it altogether and lower their annual card fees.

  30. @Staradmiral

    Your example is terrible. Same city does not mean round trip when it involves different airports.

    You can’t believe book a JFK–anywhere-EWR trip without clicking the multi-city function on all search engines.

  31. @Jordan, I am not sure in which alternative world or in which part of current world “no one would ever consider SFO-anywhere-SJC a round trip”. of What I know is that people in the Bay Area conceivably consider and use SFO, SJC, and OAK airports as alternative airports for the same metropolitan area. Some OTA and airlines also group them under the Bay Area Airports and let you search for flight to/from them at once.

  32. @Kevin

    I just tried it right now and I can on the american airlines website. Round trip selected, JFK -> LAX -> EWR

  33. @staradmiral

    Wrong again. I did a dummy booking using your example (10-16 to 10-23) and if you type in JFK-LAX on the round trip option on the home page (, the only paired flights are JFK-LAX and vice versa.

    Good try though!

  34. @Miz

    Not at all. A round trip flight (from a quick google search) is defined as a trip departing from and returning to the same point. That doesn’t mean ‘same metropolitan area’. That means same airport. Searching for flights on the same ticket does not a round trip make. How bout this: Ryanair/other airlines have in the past marketed Vienna airport as serving Bratislava. While in reality many people do choose that option, does flying out of Bratislava and arriving back to Vienna count as a round trip by your definition, since both can technically serve Bratislava despite being in different countries? Where are the limits to your definition of roundtrip? Roundtrip is clearly Point A to Point B to Point A. None of your BS

  35. Any word on Return Protection? Since that has been eliminated from so many other banks, I am thinking this could be removed as well, but no mention here. Called the number on back of the card and they have no idea about any benefit changes.

  36. @Kevin: I just searched and got the following option (among many others) on as a roundtrip NYC-LAX-NYC:

    Depart New York, NY to Los Angeles, CA
    Friday, September 27, 2019
    8:00 AM11:07 AM
    6h 7m
    AA 1 32B-Airbus A321 (Sharklets) Wi-Fi on-boardPower on-board
    Main Cabin
    Details, for JFK to LAX, departing at 8:00 AM Nonstop Changefor JFK to LAX, departing at 8:00 AM Nonstop
    Return Los Angeles, CA to New York, NY
    Wednesday, October 2, 2019
    6:35 AM4:40 PM
    7h 5m
    1 stopOpens 1 stop pop-up for LAX to LGA, departing at 6:35 AM
    LAX – ORD AA 2452 321-Airbus A321 Wi-Fi on-boardPower on-board
    ORD – LGA AA 2302 738-Boeing 737 Wi-Fi on-boardPower on-board
    Main Cabin
    Details, for LAX to LGA, departing at 6:35 AM 1 stop Change

    EWR-JFK-LGA, SFO-SJC-OAK, ORD-MDW are reasonable alternatives and most booking engines allow them to be booked as a single origin or destination.

  37. @Jordan Let’s forget about common sense which can help people who have it understand why the BTS and VIE is different from SJC and SFO.
    Do you understand that all major airlines consider SJC and SFO co-terminals? (For example look at here for list of airports which AA considers co-terminals: ) And do you understand that considering two or several airports as co-terminals, by definition, means that those airports are considered the “same point” for ticketing contractual purposes?

  38. As a Type 1 diabetic, it is extremely hard to get life insurance. I have always been grateful for the insurance coverage on trips paid for on my Reserve card. Poof! Now that’s gone. Not that I’m looking to be killed in a plane crash, but my wife and family receiving 500K would still be great for them.

  39. Roundtrip requirements make this useless. All of my domestic travel is one way tickets. All of my award travel is one way. Reducing extended warranty and purchase protection would move purchased to another card. I will use an Amex card for items i want the protection coverage for.

  40. Even with these “improvements” I still can’t justify getting an Amex card over a CSR.

    Just a quick comparison:
    Amex Plat vs. CSR:

    Annual Fee – $550 vs $450
    Travel Credit $220 (only for incidentals on ONE airline) vs. $300 for just about anything remotely travel-related
    Lounges: Centurion / SkyClub (cardholder only) / Priority Pass vs. Priority Pass
    Rental Car Coverage: None vs. $75k coverage included with each rental
    Trip Interruption: $10k per trip / $20k per year vs. $10k per person / $20k per trip
    Trip Delay: 6 hours / $500 coverage per event vs. 6 hours / $500 per airline ticket

    The only thing I think Amex really has an advantage on is the lounge situation domestically. BUT, let’s be honest — the lounge situation domestically sucks. Almost all of them are overcrowded and most of them are underwhelming. It’s amazing how much better the ones abroad are, even in the smallest of airports/countries.

  41. AlexS the card might not be for you, that’s fair. For me, I saved $600 on paid business class tickets with the Amex IAP which covers more than the AF. On months I don’t need Uber I use Uber Eats for $15 in ‘free’ food so that $200 is used fully. The $100 to Saks’, not really worth the face value but I can find a few things to buy in the bath/body category twice a year.

  42. My statement today for Platinum does say that premium roadside is being cut contrary to some of the posts here.

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