American Express® Business Gold Rewards Card

American Express® Business Gold Rewards Card

Annual Fee: $199

Issuer: American Express

Policy Version: July 2025

Last Updated: 2026-02-08

Policy Information

Claims Contact

website: https://info.submitclaims.client.insure
phone domestic: 1-800-243-0198
phone international: 905-475-4822

Global Limits

who is covered: Cardmember, Spouse, Dependent Children

Coverage Summary

Coverage Area	Covered?	Limit	Conditions	Exclusions
emergency medical	❌ No	—	—	—
travel accident Start Claim	✅ Yes	$100,000	Injury must occur while riding as a passenger in a Common Carrier (plane, train, bus, ship) Must be on a trip where the fare was charged to the card Loss must occur within 100 days of the accident	Suicide or self-inflicted injury War or acts of war Committing a criminal offense Serving as an operator or crew member Driving or riding in a rental vehicle
trip cancellation	❌ No	—	—	—
trip interruption	❌ No	—	—	—
trip delay Start Claim	✅ Yes	$500	Coverage includes missed connections if incoming flight is delayed and no alternative is available within 4 hours Coverage includes denied boarding due to overbooking Covers reasonable living expenses and sundry items Full fare must be charged to the card or paid with Membership Rewards points	Alternate travel arrangements like purchasing a new airline ticket (except local taxi/rideshare) Prepaid cards, gift cards, or cash Illegal activity or fraud War, hostilities, or military acts Terrorism
lost baggage Start Claim	✅ Yes	$500	Covers loss or damage to baggage checked with an airline Covers carry-on baggage while on board Baggage must be in the care, custody, and control of the airline Full fare of the ticket must be charged to the card	Eyeglasses, sunglasses, contact lenses, and artificial teeth Electronics including laptops, cameras, phones, and media players Sports equipment (except golf clubs, skis, and racquets) Cash, securities, tickets, and documents Fragile items like china, glass, or art Confiscation by government or customs
delayed baggage Start Claim	✅ Yes	$500	Baggage must be checked-in and accompanying the traveler Purchases must be for essential clothing and sundry items Expenses must be incurred within 4 days of arrival Expenses must be incurred before the return of the baggage	Delays occurring on a flight returning to the place of residence Illegal activity or fraud War or military acts Terrorism
rental car Start Claim	✅ Yes	Actual Cash Value	Must decline the rental agency's collision damage waiver (CDW/LDW) Must charge the full cost of the rental to the card (or pay with Membership Rewards) Coverage applies to theft, loss, and damage to the rental vehicle Includes loss of use charges imposed by the rental agency Only one rental vehicle is covered at a time	Third-party liability (damage to other cars or people) Personal injury Operation while intoxicated or under influence of drugs Off-road operation Vehicles with MSRP over $85,000 Trucks, pick-up trucks, cargo vans, limousines, and motorcycles
cell phone protection Start Claim	✅ Yes	$1,000 Ded: 10% of depreciated value	Device must be purchased for business use only Covers loss, theft, or accidental damage Full purchase price must be charged to the card OR financed with monthly payments on the card Coverage lasts up to 2 years from purchase Device must be activated with a Canadian wireless provider (if cellular capable)	Accessories, batteries, and laptops Devices purchased for personal use Mysterious disappearance (unexplained loss) Cosmetic damage not affecting functionality Theft from baggage unless hand-carried
purchase protection Start Claim	✅ Yes	$1,000	Covers direct physical damage or theft At least a portion of the purchase price must be charged to the card Items given as gifts are covered Coverage is in excess of other insurance	Wear and tear Theft from a motor vehicle Mysterious disappearance (lost items) Consumable or perishable goods Jewelry and watches in baggage (unless hand-carried) Motorized vehicles and their parts Items for resale or inventory
extended warranty Start Claim	✅ Yes	$10,000	Extends original manufacturer's warranty by up to one additional year Original warranty must be 5 years or less Entire purchase price must be charged to the card Applies to product malfunction, defect, or damage covered by original warranty	Used, rebuilt, or refurbished items Motorized vehicles (cars, boats, etc.) Items used for business fixtures or permanent upgrades Jewelry Consumables and perishables Warranties lasting longer than 5 years

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