Business Platinum Card® from American Express - US

Business Platinum Card® from American Express - US

Annual Fee: $895

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, Traveling Companions
trip duration limit: 365 days

Coverage Summary

Coverage Area	Covered?	Limit	Conditions	Exclusions
emergency medical	❌ No	—	—	—
travel accident Start Claim	✅ Yes	$300,000	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	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
trip cancellation Start Claim	✅ Yes	$10,000	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	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
trip interruption Start Claim	✅ Yes	$10,000	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	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
trip delay Start Claim	✅ Yes	$500	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	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
lost baggage Start Claim	✅ Yes	$3,000	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	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
delayed baggage	❌ No	—	—	—
rental car Start Claim	✅ Yes	$75,000	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	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
cell phone protection Start Claim	✅ Yes	$800 Ded: $50	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	Lost phones or mysterious disappearance Cosmetic damage Accessories other than standard battery/antenna Phones purchased for resale Pre-paid plans
purchase protection Start Claim	✅ Yes	$10,000	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	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
extended warranty Start Claim	✅ Yes	$10,000	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	Motorized devices and parts Consumables and perishables Items for resale or commercial use Real estate and fixtures Software and downloadable services

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