American Express® Gold Card - US

American Express® Gold Card - US

Annual Fee: $325

Issuer: American Express

Policy Version: April 2024

Last Updated: 2026-02-08

Policy Information

Claims Contact

website: americanexpress.com/onlineclaim
phone domestic: 1-800-228-6855
phone international: 1-303-273-6497

Global Limits

who is covered: Card Member, Spouse, Domestic Partner, Dependent Children, Authorized Drivers (Rental Car)
trip duration limit: 365 days

Coverage Summary

Coverage Area	Covered?	Limit	Conditions	Exclusions
emergency medical	❌ No	—	—	—
travel accident	❌ No	—	—	—
trip cancellation	❌ No	—	—	—
trip interruption	❌ No	—	—	—
trip delay Start Claim	✅ Yes	$300	The trip must be a round-trip ticket to a destination other than your city of residence The trip length must not exceed 365 days You must pay the full cost of the ticket with your eligible card or points The delay must be caused by a covered loss like weather or equipment failure Coverage is limited to 2 claims per 12-month period	Delays made public or known to you before your trip Expenses you paid before the trip started Intentional acts caused by the traveler Expenses not authorized by your employer if using a commercial card Taxis, limos, and commuter trains are not considered Common Carriers
lost baggage Start Claim	✅ Yes	$1,250	You must pay the entire fare with your eligible card or points Loss must occur while traveling on a Common Carrier (plane, train, bus, ship) Coverage applies to carry-on or checked baggage Coverage is secondary to the Common Carrier's reimbursement Trip must not exceed 365 consecutive days	Cash, credit cards, tickets, and travel documents Eyeglasses, sunglasses, contact lenses, and hearing aids Plants, animals, and perishable food items Property shipped as freight or shipped before departure War, government confiscation, or acts of customs authorities
delayed baggage	❌ No	—	—	—
rental car Start Claim	✅ Yes	$50,000	You must reserve and pay for the entire rental with your card You must decline the rental company's collision damage waiver You must be the primary renter and sign the rental agreement Coverage is secondary to your personal auto insurance Coverage lasts up to 30 consecutive days	Vehicles rented in Australia, Italy, or New Zealand Trucks, cargo vans, or vans that hold more than 8 passengers Antique cars (20+ years old) or limousines Off-road use or driving while intoxicated Rentals for commercial or hire purposes
cell phone protection	❌ No	—	—	—
purchase protection Start Claim	✅ Yes	$10,000	You must charge the full amount of the item to your eligible card Coverage is for theft, accidental damage, or loss Coverage is secondary to other insurance (like homeowner's) Coverage applies to items for personal use, business use, or gifts The annual limit is $50,000 per card account	Items lost or stolen while under the care of a third party (like an airline) Consumables like food, perfume, batteries, or light bulbs One-of-a-kind items, antiques, art, or furs Motorized devices and their parts Items left in unlocked vehicles or unoccupied places
extended warranty Start Claim	✅ Yes	$10,000	The original manufacturer's warranty must be 5 years or less You must charge the purchase to your eligible card Coverage matches the length of the original warranty up to 1 extra year Coverage starts after the manufacturer's warranty expires The annual limit is $50,000 per card account	Items purchased for resale or professional competition Consumable items or items with limited life spans Motorized devices and their parts Real estate, land, or buildings Computer software or downloadable services

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