American Express Travel Insurance Review

American Express Travel Insurance Review

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Although we have now officially left the European Union and agreed on a new UK Global Health Insurance card for travel to Europe, this is definitely not a replacement for travel insurance. It has never been more important, to choose the right policy because, as the current Coronavirus Pandemic has highlighted, the wrong choice can have disastrous financial and health consequences, if you have to claim whilst abroad.

Comparing numerous policy terms and conditions can be daunting as well as time consuming. Our independent rating and review highlights the important points we think you should know about when choosing your next travel insurance policy.

Once you have read this review of American Express travel insurance and compared polices using our unique search facility, you will have all the information you need to make an informed choice.

Who are American Express Travel Insurance

**** PLEASE NOTE AMERICAN EXPRESS NO LONGER OFFER ONLINE TRAVEL INSURANCE ****

**** CLICK HERE TO COMPARE OTHER TRAVEL INSURANCE POLICIES ****

American Express famous for their Amex Credit card, but are also involved in Travel, all types of Insurance and Foreign Exchange. Their Travel Insurance policy is managed through American Express Insurance Services, but hosted by Axa Insurance.

The Travel Policy is underwritten by Inter partner Assistance SA (IPA) They are a Belgian firm authorised by the National Bank of Belgium with a branch office in Ireland and regulated by the central bank of ireland. It is only subject to limited regulation in the UK by the Financial Conduct Authority. If you check out the ombudsmans website, you can see the number of complaints IPA have received and the percentage that were resolved in the customers favour.

How to Buy Travel Insurance from American Express travel insurance

Click on the website link to go directly to the insurance providers website. Visit American Express travel insurance's Website and Get a Quotation direct

How American Express Travel Insurance 's Policies have been ranked using our star rating formula?

Click on the white bars on the right side of the policy boxes below. Expand the content to view star ratings of all policies offered by American Express travel insurance.

Single Trip Policy Ratings Click to Expand

We have reviewed 1 Single Trip Policies from American Express Travel Insurance. They are - Single Trip. We have rated these as follows:-

Rating for Single Trip Single Trip:

American Express Single Trip Insurance Review

Backpacker Policy Ratings Click to Expand

We have reviewed 1 Backpacker Policies from American Express Travel Insurance. They are - Gap. We have rated these as follows:-

Rating for Backpacker Gap:

American Express Backpacker Insurance Review

Annual Policy Ratings Click to Expand

We have reviewed 4 Annual Policies from American Express Travel Insurance. They are - Prestige 31 - Prestige 62 - Select - Essential. We have rated these as follows:-

Rating for Annual Prestige 31:

Rating for Annual Prestige 62:

Rating for Annual Select:

Rating for Annual Essential:

American Express Annual Insurance Review

Longstay Policy Ratings Click to Expand

found no policies available for this section.

American Express Longstay Insurance Review
  • Five star policies cover all Primary (core) sections and all Secondary sections under a travel policy.
  • Cancellation cover is above the level of the market average
  • Other Core Sections of cover are either at or above the levels of the market average.
  • Secondary sections of cover are either at or above the levels of the market average.
  • Five star policies provide additional cover benefits over and above standard policies.
  • Five star policies include scheduled airline and/or end supplier failure as standard.
  • Five star policies include natural catastrophe cover, either as standard, or as an option.
  • Premiums are the most competitive in relation to the cover provided.
  • Have clear and consumer friendly, policy wording and explanations of cover.
  • The alcohol exclusion is more customer friendly than the market average.
  • The standard excess is below the level of the market average.
  • Four star policies cover all Primary (core) sections and all Secondary sections under a travel policy.
  • Four star policies have cancellation cover at or above the market average.
  • Four star policies may have a maximum of one core and one secondary section, or two secondary sections of cover lower than the market average or the excess may be above the market average.
  • Four star policies may provide additional cover benefits.
  • Four star policies may not automatically include cover for scheduled airline or end supplier failure.
  • Premiums are competitive in relation to the cover provided.
  • Have clear and consumer friendly policy wording and explanations of cover.
  • Three star policies cover all Primary (core) Sections, but may not offer baggage and money cover as standard.
  • Three star policies have some core covers lower than the market average, or up to one secondary sections of cover missing.
  • Three star policies may have some secondary covers lower than the market average.
  • Three star policies may not provide scheduled airline/end supplier failure cover, or only offer it as an option.
  • The Insurer, may not provide quotations across the full range of scenarios tested.
  • The standard excess may be higher than the market average.
  • Two star policies generally provide cover that is below the market average and/or have Primary (core) and Secondary sections of cover missing from their policies.
  • Two star policies may not offer baggage/money cover.
  • Premiums tend to be much lower than the market average due to the low levels of cover provided.
  • The Standard Excess is higher than the market average.
  • The Insurer may not provide quotation across the full range of scenarios tested
  • Policy wordings may not be as consumer friendly as other Insurers

Key Points you need to know about American Express travel insurance's policy wording

1. What is the age/classification of a child on the policy?

Children are classed as aged under 18 years old and either living with you or in full time education, or under 21 years old and in full time education.

2. What are the policy age limits?

On first date of cover:-

79 or under for Single Trip

65 or under for Annual Multi Trip

3. What are the policy Trip Duration limits?

Trip Duration on Single Trip Policies is 93 Days.  Annual Trip Duration varies depending on the policy purchased:-

•  Bronze cover allows trips of up to 32 days, to a maximum of 120 days in each period of insurance.
•  Silver cover allows trips of up to 32 days, to a maximum of 150 days in each period of insurance.
•  Gold cover allows trips of up to 45 days, to a maximum of 183 days in each period of insurance.

4. What are the options for Winter Sports cover?

You will be covered for the defined winter sports activities on trips up to an overall maximum of:
• under Bronze and Silver Cover no more than 18 days in total per trip each period of insurance,
and
• under Gold Cover no more than 21 days in total per trip each period of insurance.

Winter Sports cover is not available to anyone aged 66 years or over.

5. What is classed as a family and how many people can be quoted for?

Group - not offered

Family means, you - the main policy holder, your spouse or partner (with whom you are and have been living with for the past six months) and your or their children who on the first day of the period of insurance are under 18 years old and either living with you or in full time education, or under 21 years old and in full time education.

6. What are the policy rules on reciprocal health agreements (EHIC, Medicare)?

EHIC not Mandatory but recommended if traveling to the EU. If you are travelling to Australia or New Zealand you should enrol with Medicare if seeking treatment.

7. What is covered under Sports and Activities on the policy?

There are over 30 activities covered as standard in Group A on this policy, with additional activities split into Groups B and C that can be purchased at additional premium,  personal accident and legal liability are excluded.   There is also a list of excluded activities.

It is important that you check the list of activities excluded, before purchasing your travel insurance to ensure you are covered.  If you are unsure, it’s a good tip to gain approval in writing from your insurance provider.

8. What are the policy Alcohol Exclusion terms?

Policy states “Any claim resulting from you attempting or committing suicide; deliberately injuring yourself; using any drug not prescribed by a registered medical practitioner, being addicted to any drugs, or abusing solvents, drugs, or alcohol, or being under the influence of drugs, solvents, or alcohol.”

9. Does the policy cover Scheduled Airline Failure or Financial Failure?

Not Covered under this policy.

10. Does the policy cover Pre-Existing Medical Conditions and can I get a quote online?

If you have a pre-existing medical condition you must make a medical health declaration before each period of insurance and on each annual renewal. In addition, if there are any changes in your health or prescribed medication you must notify us and update your medical health declaration prior to booking any trip or departing on any trip. All changes must be declared to us and accepted in writing before cover can continue.

You must ensure that you have all the appropriate vaccinations that are required for the country/countries that you intend to visit. Our latest guide on taking medicines abroad has some useful hints and tips

11. What are the policy rules on travelling when pregnant?

You are excluded from any claim for Emergency Medical  Repatriation (if included on your policy)- arising from pregnancy related conditions not due to complications of pregnancy which first arise after departing on your trip.

In other words, if a pregnancy related condition was apparent before you left for your holiday, you would not be covered.  However, if a condition arose after you had travelled you would be covered for Emergency Medical and Repatriation (if included on your policy).

12. Will I be covered if I want to do Manual Work or Bar Work or other work while I am on holiday?

Manual Labour is excluded under this policy.  This is defined as:-Any work above ground level; work using cutting tools, power tools and machinery; work involving hands-on involvement with the installation, assembly, maintenance or repair of electrical, mechanical or hydraulic plant; undertaking work of a plumber, electrician, lighting or sound technician, carpenter, painter/decorator or builder, or manual labour of any kind, with the exception of bar and restaurant work, wait staff, chalet, maid, au pair and child care, and occasional light manual work at ground level including retail work and fruit picking.

If your plan is for specific work, it is always best to contact the insurance provider and obtain written acceptance that your planned type of work is allowed under the policy.

13. What are the requirements, if I need to claim for lost, damaged or stolen baggage?

The Insured Person shall produce an original receipt, proof of ownership or insurance valuation (obtained prior to the loss) of the items lost, stolen or damaged.

It would be sensible to keep receipts of any new clothes/property purchased for your holiday. If in doubt as to whether you have cover for a specific item, please contact the Insurance Provider for clarification prior to taking out insurance.

14. What does the policy cover in the event of war, terrorism or cyber attack?

This insurance will not cover you for any claim arising from war; invasion; act of a foreign enemy; hostilities (whether war be declared or not); civil war; rebellion; terrorism; revolution; insurrection; civil commotion assuming the proportions of or amounting to an uprising; military or usurped power; you taking part in civil commotion or riot of any kind but this exclusion shall not apply to losses under Section 2 ? Medical Emergency & Repatriation Service unless such losses are caused by nuclear, chemical or biological attack, or the disturbances were already taking place at the beginning of any trip.

15. Does the policy cover natural disaster or catastrophe before and during my holiday?

Not covered under this policy.

16. Do I have to be a UK resident to be covered under this policy?

You must be a permanent resident of, and registered with a General Practitioner in, the United Kingdom.

American Express travel insurance's Mystery Shopping Ratings

That's Insurance have spent some time mystery shopping on american-express-travel-insurance-review's website. The policy wording, website, customer service/buying process have been carefully reviewed and each section awarded a user friendly score, which you can see below.

Policy wording - Marks are awarded for Layout, Readability ,Terminology, Communication and Appropriate information.

Website - Marks are awarded for Layout/Navigation, Access to important information e.g. policy wordings, Clear Explanation/Comparison of policies, including limitations, Frequently asked questions.

Customer Service – Marks are awarded for the Buying process, Customer Service, Clear Quotations, Access to important information/Comparison of quotes.

The scores have been calculated as an overall percentage and shown on the three gauges. You can see how American Express compares to the industry average. The higher the percentage the better the company performs in each area.

Policy Wording

(layout, readability, terminology)

Awaiting user friendly score

Website

(layout, navigation, access to information)

Awaiting user friendly score

Customer Service

(clear quotes, buying process, customer service)

Awaiting user friendly score

Pro's and Con's for American Express Policies

We've highlighted Pro's and Cons for American Express, click on the white bars on the right side of the boxes below. Expand the content to view pros and cons of all policies offered by American Express travel insurance.

No Pro's

No Con's

What Cover do American Express policies offer.

We've listed below cover levels for policies offered by offered by To scroll through all policies, click on the arrows on the left and right of policy name section.

Policy Name Insurance Provider

  • PolicyName & Policy Type

    Essential

    Annual

    Select

    Annual

    Prestige 31

    Annual

    Prestige 62

    Annual

    Single Trip

    Single Trip

    Gap

    Backpacker

Primary Cover toggle

  • Policy Excess
    Policy Excess

    50

    50

    50

    50

    100

    50

  • Medical Expenses
    Medical Expenses Explanation
    Cover Type Icon

    10,000,000

    10,000,000

    15,000,000

    15,000,000

    10,000,000

    10,000,000

  • Cancellation
    Cancellation Explanation
    Cover Type Icon

    3,000

    5,000

    12,500

    12,500

    3,000

    5,000

  • Curtailment
    Curtailment Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Personal Accident
    Personal Accident Explanation
    Cover Type Icon

    10,000

    30,000

    50,000

    50,000

    10,000

    30,000

  • Baggage
    Baggage Explanation
    Cover Type Icon

    1,500

    2,500

    2,500

    2,500

    1,500

    1,500

  • Single Article Limit
    Single Article Limit Explanation
    Cover Type Icon

    150

    250

    750

    750

    150

    250

  • Valuables Limit
    Valuables Limit Explanation
    Cover Type Icon

    150

    300

    750

    750

    150

    300

  • Personal Money
    Personal Money Explanation
    Cover Type Icon

    200

    500

    750

    750

    200

    500

  • Personal Liability
    Personal Liability Explanation
    Cover Type Icon

    1,000,000

    2,000,000

    2,000,000

    2,000,000

    1,000,000

    2,000,000

  • Legal Expenses
    Legal Expenses Explanation
    Cover Type Icon

    0

    50,000

    50,000

    50,000

    0

    50,000

  • Travel Disruption
    Travel Disruption Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Golf
    Golf Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Scheduled Airline Failure
    Scheduled Airline Failure Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Cash Limit
    Cash Limit Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

Secondary Cover toggle

  • Personal Accident
    Personal Accident Explanation
    Cover Type Icon

    10,000

    30,000

    50,000

    50,000

    10,000

    30,000

  • Personal Money
    Personal Money Explanation
    Cover Type Icon

    200

    500

    750

    750

    200

    500

  • Hospital Benefit
    Hospital Benefit Explanation
    Cover Type Icon

    0

    500

    1,500

    1,500

    0

    600

  • Emergency Dental Treatment
    Emergency Dental Treatment Explanation
    Cover Type Icon

    1,000

    1,000

    1,000

    1,000

    1,000

    1,000

  • Burial or Cremation
    Burial or Cremation Explanation
    Cover Type Icon

    3,500

    4,000

    5,000

    5,000

    3,500

    3,500

  • Baggage Delay
    Baggage Delay Explanation
    Cover Type Icon

    100

    200

    500

    500

    100

    200

  • Delayed Departure
    Delayed Departure Explanation
    Cover Type Icon

    100

    350

    350

    350

    100

    200

  • Missed Departure
    Missed Departure Explanation
    Cover Type Icon

    250

    1,000

    1,000

    1,000

    250

    750

  • Kennel/Cattery
    Kennel/Cattery Explanation
    Cover Type Icon

    0

    250

    250

    250

    0

    0

  • Hijack/Kidnap
    Hijack/Kidnap Explanation
    Cover Type Icon

    0

    0

    500

    500

    0

    1,000

  • Financial Failure
    Financial Failure Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Natural Disaster
    Natural Disaster Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Withdrawal of Services
    Withdrawal of Services Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Concierge Cover
    Concierge Cover Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Gadget Cover
    Gadget Cover Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Travel Disruption
    Travel Disruption Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Wintersports
    Wintersports Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Business
    Business Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Cruise
    Cruise Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Car and Home Excess
    Car and Home Excess Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Search and Rescue
    Search and Rescue Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Mugging
    Mugging Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Scheduled Airline Failure
    Scheduled Airline Failure Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Cash Limit
    Cash Limit Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

Optional Cover toggle

  • Kennel/Cattery
    Kennel/Cattery Explanation
    Cover Type Icon

    N

    Y

    Y

    Y

    N

    N

  • Financial Failure
    Financial Failure Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

  • Natural Disaster
    Natural Disaster Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

  • Concierge Cover
    Concierge Cover Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

    Y

    Y

  • Gadget Cover
    Gadget Cover Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

  • Travel Disruption
    Travel Disruption Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

    Y

    Y

  • Golf
    Golf Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

    Y

    N

  • Wintersports
    Wintersports Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

    Y

    Y

  • Business
    Business Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

    Y

    N

  • Wedding
    Wedding Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

  • Cruise
    Cruise Explanation
    Cover Type Icon

    N

    N

    N

    N

    Y

    N

  • Car and Home Excess
    Car and Home Excess Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

  • Search and Rescue
    Search and Rescue Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

  • Mugging
    Mugging Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

Sample Quotes from American Express travel insurance.

Listed below are some Sample Quotes offered by American Express travel insurance

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