American Express is one of the best known credit card companies that offer Canadians travel insurance as a credit card perk.

How It Works

American Express credit cards come with a travel insurance perk, which gives you travel insurance for multiple trips throughout the year. Having insurance on your credit card can be a great way to avoid the hassle of shopping for travel insurance every time you travel.

You Should Know

Accidental death and dismemberment insurance (called travel accident insurance by American Express) is not emergency medical insurance for travel. Accidental death and dismemberment (AD&D) insurance simply provides benefits if you are killed (and sometimes if you’re injured) as a result of an accident. An AD&D policy does not cover medical care, and does not cover you for the entire length of your vacation. You are generally only covered with AD&D insurance while you’re traveling on a common carrier (like a commercial flight or train).

The only American Express credit cards that offer medical travel insurance are:

All American Express cards have accidental dealth and dismemberment insurance, and some offer trip cancellation, trip interruption, baggage and flight delay benefits.

Comparison of Travel Insurance On American Express Credit Cards

American Express has over ten cards that offer travel insurance perks.

Card Annual FeeMedical Travel InsuranceTravel Accident InsuranceTrip CancellationTrip InterruptionBaggageFlight Delay
American Express$55
Platinum$699
Gold Rewards$150. First year free.
AeroplanPlus$60. First year free.
BusinessNo fee.
AIR MILESNo fee.
Starwood Preferred Guest$120
AeroplanPlus Platinum$499
AeroplanPlus Gold$120
AIR MILES Platinum$65. First year free.
AIR MILES GoldNo fee.
AIR MILES Platinum Business$99
Business Gold RewardsNo fee.
Starwood Preferred Guest Business$150
Blue SkyNo fee.
Holt RenfrewNo fee.
True Earnings CashbackNo fee.

How To Buy

You can get a quote and purchase online at American Express.