Delta SkyMiles® Reserve American Express Card

Delta SkyMiles® Reserve American Express Card

Annual Fee: $650

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, Family Members, Traveling Companions
trip duration limit: 365 days

Coverage Summary

Coverage Area	Covered?	Limit	Conditions	Exclusions
emergency medical	❌ No	—	—	—
travel accident	❌ No	—	—	—
trip cancellation Start Claim	✅ Yes	$10,000	Accidental Bodily Injury, loss of life, or Sickness of Traveler/Companion/Family Inclement weather preventing travel Change in military orders Terrorist Action or hijacking Jury duty or subpoena Dwelling made uninhabitable Quarantine imposed by a Physician	Pre-Existing Conditions Suicide or intentionally self-inflicted injury War (declared or undeclared) Mental or emotional disorders (unless hospitalized) Participation in professional sporting activity Intoxication or drug use Commission of illegal or criminal acts Parachuting from an aircraft Motorized vehicular racing Dental treatment (unless injury to sound teeth) Financial insolvency of travel supplier
trip interruption Start Claim	✅ Yes	$10,000	Accidental Bodily Injury, loss of life, or Sickness Inclement weather Change in military orders Terrorist Action or hijacking Jury duty or subpoena Dwelling made uninhabitable Quarantine	Pre-Existing Conditions Suicide or intentionally self-inflicted injury War Mental or emotional disorders Professional sporting activity Intoxication Illegal acts Parachuting Racing Financial insolvency of travel supplier
trip delay Start Claim	✅ Yes	$500	Inclement weather preventing travel Terrorist Action or hijacking Common Carrier equipment failure Lost or stolen passports or travel documents	Losses made public or known prior to departure Expenses paid prior to the Covered Trip Intentional acts by the Eligible Traveler Expenses not authorized by employer if using a commercial card
lost baggage Start Claim	✅ Yes	$1,250	Baggage must be lost, damaged, or stolen Must be on a Covered Trip with a Common Carrier Must have paid the Entire Fare with the Eligible Card	War or acts of war Confiscation by government authority Credit cards, securities, travel documents Cash, gift cards, negotiable instruments Living plants and animals Food and perishables Eyeglasses, contact lenses, hearing aids Property shipped as freight
delayed baggage	❌ No	—	—	—
rental car Start Claim	✅ Yes	$75,000	Must reserve and pay for the Entire Rental with the card Must decline the rental company's collision damage waiver Covered Driver must be listed on the rental agreement Vehicle must be a standard 4-wheeled passenger vehicle	Cargo vans or vans seating over 8 passengers Commercial or for-hire vehicles Leased or mini-leased vehicles Cars 20 years or older Limousines Off-road vehicles, motorcycles, campers Rentals in Australia, Italy, or New Zealand Intoxication or drug use
cell phone protection Start Claim	✅ Yes	$800 Ded: $50	Must pay monthly cell phone bill with the Eligible Card Covers theft or damage including cracked screens Limit of 2 claims per 12-month period	Accessories (except standard battery/antenna) Phones for resale or professional use Mysterious disappearance Phones under care of common carrier Cosmetic damage Voluntary parting
purchase protection Start Claim	✅ Yes	$10,000	Must be a Covered Purchase charged to the Eligible Card Item must be stolen, damaged, or lost Incident must occur within 90 days of purchase	War or acts of war Items under care of a third party/common carrier Unattended items in unlocked vehicles Consumables (food, perfume, batteries) Animals or living plants One-of-a-kind items (antiques, art, furs) Motorized devices and parts Items for resale or professional use
extended warranty Start Claim	✅ Yes	$10,000	Original Manufacturer's Warranty must be 5 years or less Item must be purchased in the US or territories Matches the terms of the Original Manufacturer's Warranty	Animals or living plants One-of-a-kind items Consumables Motorized devices (except permanent fixtures) Items for resale or professional use Physical damage (unless covered by original warranty)

← Back to card list