🇺🇸 American Express® Gold Card - US

Conditions

Exclusions

Conditions

Exclusions

Conditions

Exclusions

Conditions

Exclusions

Conditions

• • 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

Exclusions

• × 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

Conditions

Exclusions

Conditions

• • 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

Exclusions

• × 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

Conditions

• • 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

Exclusions

• × 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

Conditions

Exclusions

Conditions

• • 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

Exclusions

• × 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

Conditions

• • 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

Exclusions

• × 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