American Express Cobalt® Card

American Express Cobalt® Card

Annual Fee: $191.88

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
trip duration limit: 15 days

Coverage Summary

Coverage Area	Covered?	Limit	Conditions	Exclusions
emergency medical Start Claim	✅ Yes	$5,000,000	You must contact Global Excel before receiving emergency treatment or a penalty applies Coverage is only available for residents of Canada covered by a government health insurance plan Coverage extends automatically if hospitalized on return date or transportation is delayed Top-up coverage is available for trips longer than 15 days	Medical conditions that were not stable in the 90 days before departure Non-emergency services or experimental treatments Pregnancy complications occurring 9 weeks before or after expected delivery Injuries from high-risk activities like mountain climbing or professional sports Alcohol abuse or drug overdose
travel accident Start Claim	✅ Yes	$250,000	Covers loss of life, dismemberment, or loss of sight due to accident Must be riding as a passenger in a Common Carrier (plane, train, ship) Loss must occur within 100 days of the accident Ticket must be charged to the American Express Card	Suicide or self-inflicted injury War or acts of war Committing a criminal offense Serving as crew member Alcohol or drug use unless prescribed Rental vehicle accidents
trip cancellation	❌ No	—	—	—
trip interruption	❌ No	—	—	—
trip delay Start Claim	✅ Yes	$500	Covers reasonable living expenses and sundry items Applies if flight is delayed 4+ hours or denied boarding occurs Applies if a connecting flight is missed due to incoming flight delay Aggregate limit of $500 includes baggage delay coverage	Alternate travel arrangements (except taxi/rideshare) Delays on a flight returning to your place of residence Illegal activity or criminal acts War or acts of war Terrorism
lost baggage Start Claim	✅ Yes	$500	Covers loss or damage to checked-in or carry-on baggage Full fare must be charged to the Card Coverage begins when baggage is checked in and ends upon retrieval Maximum payable is $500 for all insured persons combined per occurrence	Contact lenses, eyeglasses, sunglasses Cameras, laptops, cell phones, and other electronics Cash, currency, tickets, or documents Confiscation by government or customs Sports equipment (except golf clubs and racquets) Perishable items, animals, and furs
delayed baggage Start Claim	✅ Yes	$500	Covers essential clothing and sundry items Expenses must be incurred within 4 days of arrival and before baggage return Aggregate limit of $500 includes flight delay coverage Baggage must not be delivered within 6 hours of arrival	Delay occurring on a flight returning to your place of residence Illegal activity War or acts of war Terrorism
rental car Start Claim	✅ Yes	$85,000	Must decline the rental agency's Collision Damage Waiver (CDW/LDW) Must charge the full cost of the rental to the Card Only one rental vehicle covered at a time Covers theft, loss, damage, and valid loss of use charges	Trucks, pick-up trucks, and cargo vans Off-road vehicles Motorcycles, mopeds, or motor bikes Trailers, campers, and RVs Vehicles over $85,000 MSRP Antique vehicles (over 20 years old) Third party liability (damage to other cars or people) Driving while intoxicated
cell phone protection Start Claim	✅ Yes	$1,000 Ded: 10% of depreciated value	Covers lost, stolen, or accidentally damaged devices Full price must be charged to Card OR financed with bill payments on Card Depreciation is 2% per month from purchase date Maximum of 1 claim per 12 months, 2 claims per 48 months Device must be new (or official replacement)	Mysterious disappearance (unexplained loss) Cosmetic damage not affecting functionality Accessories (batteries, cases) Theft from baggage unless hand-carried Used or refurbished devices (unless warranty replacement) Devices purchased for business or resale
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 Coverage limited to the portion charged to the Card Items given as gifts are covered	Wear and tear Theft from a motor vehicle Mysterious disappearance (lost items) Consumables and perishables (food, perfume) Jewelry and watches in baggage Motorized vehicles and their parts Business property
extended warranty Start Claim	✅ Yes	$10,000	Doubles original manufacturer's warranty up to one additional year Original warranty must be 5 years or less Must charge full purchase price to the Card Valid in Canada or the United States	Used or refurbished items Motorized vehicles (cars, boats, planes) Business property or fixtures Items with warranties longer than 5 years

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