amex trip delay insurance

Overview of American Express Trip Delay Insurance

What is American Express Trip Delay Insurance?

American Express (Amex) offers optional trip delay insurance that provides coverage for unexpected delays in scheduled transportation. If your flight, train, or other covered mode of transportation is delayed for a certain period, you may be eligible for reimbursement for expenses such as meals, lodging, and transportation.

Key Features of Amex Trip Delay Insurance

  • Coverage for delays of 6 hours or more for flights, trains, and cruises.
  • Reimbursement of up to $500 per day for eligible expenses, including meals, lodging, and transportation.
  • Coverage for up to 7 days of delays.
  • No deductible or co-pays.
  • Coverage for both domestic and international trips.

Eligibility for Amex Trip Delay Insurance

Who is Eligible?

Amex Trip Delay Insurance is available to cardholders who purchase eligible travel arrangements using their American Express Card.

Covered Trips

Coverage is available for round-trip or one-way trips purchased using an American Express Card. Eligible travel arrangements include flights, trains, cruises, and bus tours.

Benefits of Amex Trip Delay Insurance

Financial Protection

Amex Trip Delay Insurance provides financial protection against the unexpected expenses that can arise due to travel delays. Reimbursements for meals, lodging, and transportation can help you minimize the financial impact of a delayed trip.

Peace of Mind

Knowing that you have coverage for travel delays can give you peace of mind during your trip. You can relax and enjoy your vacation without worrying about the financial burden of unexpected delays.

How to File a Claim for Amex Trip Delay Insurance

Filing a Claim

To file a claim for Amex Trip Delay Insurance, you must contact American Express within 30 days of the delay. You will need to provide documentation to support your claim, such as a boarding pass and receipts for expenses incurred due to the delay.

Claim Process

American Express will review your claim and determine if you are eligible for reimbursement. If your claim is approved, you will receive a check for the amount of the reimbursement.

Exclusions and Limitations of Amex Trip Delay Insurance


Amex Trip Delay Insurance does not cover delays caused by certain events, such as weather, mechanical issues, and strikes. It also does not cover delays that are within the control of the traveler.


The maximum reimbursement amount for Amex Trip Delay Insurance is $500 per day, up to a maximum of $3,500 per covered trip. The coverage is also subject to a 6-hour waiting period before benefits begin.

Tips for Maximizing Amex Trip Delay Insurance Benefits

Purchase Travel Arrangements Early

Purchasing your travel arrangements early can help you avoid delays due to overbooking or other issues.

Allow Ample Time for Connections

When planning your travel itinerary, allow ample time for connections between flights or other modes of transportation. This can help reduce the risk of a delay causing you to miss a connecting flight.

Consider the Weather Forecast

Check the weather forecast before your trip and be aware of any potential weather-related delays. If possible, try to avoid traveling during peak weather seasons or on days when severe weather is predicted.

Monitor Your Flight Status

Once you have purchased your travel arrangements, monitor your flight status regularly leading up to your departure. This will help you stay informed of any potential delays or cancellations.

Bring Essential Items

Pack essential items in your carry-on luggage, including medications, toiletries, and a change of clothes. This will help you be prepared in the event of a delay.

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