The Platinum Card® from American Express - US

The 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, Family Members, and 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	Must charge the full amount of the trip to the eligible card Trip length must not exceed 365 days Must notify administrator within 60 days of loss	Pre-existing conditions Suicide, attempted suicide, or self-inflicted injury Declared or undeclared war Mental or emotional disorders unless hospitalized Participation in professional sporting activities Intoxication or drug use Commission of illegal or criminal acts Financial insolvency of travel supplier
trip interruption Start Claim	✅ Yes	$10,000	Reimburses non-refundable amounts paid if interruption is due to a covered loss Covers additional transportation to rejoin the trip or return home Must charge the full amount of the trip to the eligible card	Pre-existing conditions Suicide or self-inflicted injury War Mental disorders unless hospitalized Professional sports participation Intoxication Illegal acts
trip delay Start Claim	✅ Yes	$500	Trip must be charged to the eligible card Delay must be caused by a covered loss (weather, equipment failure, lost passport, terror/hijacking) Limit of 2 claims per 12 consecutive month period Covers reasonable additional expenses like meals, lodging, and personal use items	Delays made public or known prior to departure Expenses paid prior to the trip Intentional acts by the traveler Expenses reimbursable by an employer
lost baggage Start Claim	✅ Yes	$3,000	Covers carry-on and checked baggage Must be on a covered trip on a common carrier Entire fare must be paid with the eligible card Secondary to common carrier reimbursement	War or acts of war Confiscation by government authority Credit cards, documents, tickets, money Plants and animals Consumables and perishables Eyeglasses, contact lenses, hearing aids
delayed baggage	❌ No	—	—	—
rental car Start Claim	✅ Yes	$75,000	Must pay for the entire rental with the eligible card Must decline the rental company's collision damage waiver Coverage limited to 30 consecutive days Includes Accidental Death and Dismemberment riders	War or acts of war Rentals in Australia, Italy, New Zealand, or sanctioned countries Use contrary to rental agreement Intoxication or drug use Off-road operation Wear and tear Personal liability
cell phone protection Start Claim	✅ Yes	$800 Ded: $50	Must charge monthly bill to the eligible card Coverage begins first day of month following payment Limit 2 claims per 12 months Covers stolen or damaged phones (including cracked screens)	Accessories (except standard battery/antenna) Resale or commercial use Mysterious disappearance Phones under care of common carrier Cosmetic damage Intentional acts or fraud
purchase protection Start Claim	✅ Yes	$10,000	Covers theft, accidental damage, or loss Must use eligible card for the purchase Natural disaster limit of $500 per event	War or acts of war Confiscation by authority Items not reasonably safeguarded (unlocked vehicle) Wear and tear or defects Consumables Motorized devices Items for resale or commercial use
extended warranty Start Claim	✅ Yes	$10,000	Matches original manufacturer warranty Original warranty must be 5 years or less Must use eligible card for the purchase	War or acts of war Alteration or modification Animals or living plants Consumables Motorized devices Resale or commercial use items

← Back to card list