🇺🇸 Business Platinum Card® from American Express - US

Conditions

Exclusions

Conditions

• • Covers Accidental Death or Dismemberment while in a Rental Vehicle
• • Must decline personal accident insurance at rental counter
• • Death must occur within 365 days of the accident
• • Also provides up to $5,000 for Accidental Injury medical treatment

Exclusions

• × Disease, illness, or infirmity
• × Suicide or self-inflicted injury
• × War or acts of war
• × Participation in team sports or racing
• × Voluntary ingestion of drugs/substances

Conditions

• • Must charge the full amount of the Covered Trip to the Eligible Card
• • Coverage is secondary to other insurance or Travel Supplier benefits
• • Must notify Travel Supplier immediately if Physician advises against travel
• • Limit of $20,000 per Eligible Card per 12 consecutive month period

Exclusions

• × Pre-existing conditions
• × Suicide or intentionally self-inflicted injury
• × War (declared or undeclared)
• × Mental or emotional disorders unless hospitalized
• × Participation in professional sports
• × Intoxication or drug use not prescribed by a Physician
• × Commission of illegal acts
• × Financial insolvency of travel supplier

Conditions

• • Reimburses nonrefundable prepaid arrangements and additional transportation expenses
• • Economy class air ticket cap for rejoining trip or returning home
• • Must charge full amount of trip to Eligible Card
• • Coverage is secondary to other insurance

Exclusions

• × Pre-existing conditions
• × Suicide or intentionally self-inflicted injury
• × War or acts of war
• × Mental disorders unless hospitalized
• × Professional sporting activities
• × Intoxication or non-prescribed drug use
• × Travel against medical advice

Conditions

• • Coverage limited to 2 claims per Eligible Card per 12 consecutive month period
• • Coverage is secondary to other insurance or Common Carrier benefits
• • Must charge the full amount of the Covered Trip to the Eligible Card
• • Covers reasonable additional expenses like meals, lodging, and toiletries

Exclusions

• × Losses made public prior to departure
• × Expenses paid prior to the trip
• × Intentional acts by the Eligible Traveler
• × Expenses not authorized by employer if using a commercial card

Conditions

Exclusions

Conditions

• • Must pay for the Entire Fare with the Eligible Card
• • Coverage applies to carry-on and checked baggage
• • New York residents have a $10,000 aggregate limit per trip
• • Claims paid only after Common Carrier settles the claim against it

Exclusions

• × War or acts of war
• × Confiscation by government authority
• × Cash, credit cards, securities, and travel documents
• × Living plants and animals
• × Consumable and perishable items
• × Eyeglasses, contact lenses, and hearing aids

Conditions

• • Must reserve and pay for the Entire Rental with the Eligible Card
• • Must decline the full collision damage waiver offered by the rental company
• • Coverage includes damage, theft, loss of use, and towing
• • Includes Accidental Death and Dismemberment benefits

Exclusions

• × Rentals in Australia, Italy, New Zealand
• × Vehicles used for commercial or hire purposes
• × Intoxication or drug use by the driver
• × Off-road operation
• × War or acts of war
• × Vehicles unlocked at time of theft
• × Wear and tear or mechanical breakdown

Conditions

• • Must charge the monthly cellular bill to the Eligible Card
• • Coverage begins the first day of the month following payment
• • Limit of 2 claims per 12-month period
• • Coverage is excess of other insurance

Exclusions

• × Lost phones or mysterious disappearance
• × Cosmetic damage
• × Accessories other than standard battery/antenna
• × Phones purchased for resale
• × Pre-paid plans

Conditions

• • Covers theft, damage, or losing of property
• • Coverage is secondary to other insurance (e.g., homeowner's)
• • Natural Disaster coverage limited to $500 per event
• • Max $50,000 per Eligible Card per calendar year

Exclusions

• × Consumables and perishables
• × Tickets, cash, and negotiable instruments
• × Motorized devices and parts
• × Items left unlocked in a vehicle
• × War, fraud, or confiscation by authorities
• × Animals and living plants

Conditions

• • Matches original warranty period up to 1 additional year
• • Applies to warranties of 5 years or less
• • Max $50,000 per Eligible Card per calendar year
• • Item must be purchased in the US or its territories

Exclusions

• × Motorized devices and parts
• × Consumables and perishables
• × Items for resale or commercial use
• × Real estate and fixtures
• × Software and downloadable services