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:
- American Express® Platinum Credit Card. See our review.
- American Express® Gold Rewards Card. See our review.
- American Express® AeroplanPlus® Platinum
Comparison of Travel Insurance On American Express Credit Cards
American Express has over ten cards that offer travel insurance perks.
|Card||Annual Fee||Medical Travel Insurance||Travel Accident Insurance||Trip Cancellation||Trip Interruption||Baggage||Flight Delay|
|Gold Rewards||$150. First year free.|
|AeroplanPlus||$60. First year free.|
|AIR MILES||No fee.|
|Starwood Preferred Guest||$120|
|AIR MILES Platinum||$65. First year free.|
|AIR MILES Gold||No fee.|
|AIR MILES Platinum Business||$99|
|Business Gold Rewards||No fee.|
|Starwood Preferred Guest Business||$150|
|Blue Sky||No fee.|
|Holt Renfrew||No fee.|
|True Earnings Cashback||No fee.|
How To Buy
You can get a quote and purchase online at American Express.
*As always, the information on this page is from one Canadian traveller to another. We have spent years abroad and have gotten to know the ins and outs of the industry however we are not travel insurance agents. If you have any travel insurance questions, please talk to a qualified travel insurance agent or broker. Finally, policies and plans can and do change all the time, without warning, so always consult your insurance policy since that is the legal document to which you are agreeing to.
*This article is only intended as general advice. Please check your own policy carefully.