American Express Travel Insurance Review

American Express Travel Insurance Review

American Express Travel Insurance Review

Reviewed by:

I am sure you'll agree with us when we say, it's impossible to find any meaningful or independent reviews of American Express travel insurance plus compare prices and cover on the same site.

And you'd be right! Because that's exactly what we found.

Once you have read this review 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 and who underwrites their policies?

**** 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.

American Express Travel Insurance Policies are Underwritten By Inter Partner Assistance

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

Click on the blue 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:

Single Trip Travel Insurance Guide here
American Express Travel 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:

Backpacker Travel Insurance Guide here
American Express Travel Insurance Review

Annual Policy Ratings Click to Expand

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

Rating for Annual Essential:

Rating for Annual Select:

Rating for Annual Prestige 31:

Rating for Annual Prestige 62:

Annual Travel Insurance Guide here
American Express Travel Insurance Review

Longstay Policy Ratings Click to Expand

found no policies available for this section.

American Express Travel 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

16 Key Points you need to know about American Express travel insurance's travel 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 does the policy offer 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

Do I need original receipts for lost baggage if I need to claim on the policy?

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 for a natural disaster or catastrophe when I am on 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's 'User Friendly' Rating

That's Insurance have reviewed American Express's Policy Wording, Website and Quote System and given each a 'User Friendly' rating. This will tell you how easy it is for you, to read, navigate and purchase policies on their website. We've split this into three gauges which show where American Express rates compared to the average Insurance Provider on our site. The higher the percentage, the easier you should find it to navigate each of these areas.

Policy

(plain english, easy to follow & understand)

Awaiting user friendly score

Website

(user friendly, easy to navigate and find help)

Awaiting user friendly score

Quote System

(speed, ease of use, flow and display of cover)

Awaiting user friendly score

Pro's and Con's for American Express Travel Policies

We've highlighted Pro's anc Cons for American Express, click on the blue 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 American Express travel insurance 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

    Single Trip

    Single Trip

    Essential

    Annual

    Select

    Annual

    Prestige 31

    Annual

    Prestige 62

    Annual

    Gap

    Backpacker

Primary Cover toggle

  • Policy Excess
    Policy Excess

    100

    50

    50

    50

    50

    50

  • Medical Expenses
    Medical Expenses Explanation
    Cover Type Icon

    10,000,000

    10,000,000

    10,000,000

    15,000,000

    15,000,000

    10,000,000

  • Cancellation
    Cancellation Explanation
    Cover Type Icon

    3,000

    3,000

    5,000

    12,500

    12,500

    5,000

  • Personal Accident
    Personal Accident Explanation
    Cover Type Icon

    10,000

    10,000

    30,000

    50,000

    50,000

    30,000

  • Baggage
    Baggage Explanation
    Cover Type Icon

    1,500

    1,500

    2,500

    2,500

    2,500

    1,500

  • Single Article Limit
    Single Article Limit Explanation
    Cover Type Icon

    150

    150

    250

    750

    750

    250

  • Valuables Limit
    Valuables Limit Explanation
    Cover Type Icon

    150

    150

    300

    750

    750

    300

  • Personal Money
    Personal Money Explanation
    Cover Type Icon

    200

    200

    500

    750

    750

    500

  • Personal Liability
    Personal Liability Explanation
    Cover Type Icon

    1,000,000

    1,000,000

    2,000,000

    2,000,000

    2,000,000

    2,000,000

  • Legal Expenses
    Legal Expenses Explanation
    Cover Type Icon

    0

    0

    50,000

    50,000

    50,000

    50,000

  • Scheduled Airline Failure
    Scheduled Airline Failure Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

Secondary Cover toggle

  • Hospital Benefit
    Hospital Benefit Explanation
    Cover Type Icon

    0

    0

    500

    1,500

    1,500

    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

    3,500

    4,000

    5,000

    5,000

    3,500

  • Baggage Delay
    Baggage Delay Explanation
    Cover Type Icon

    100

    100

    200

    500

    500

    200

  • Delayed Departure
    Delayed Departure Explanation
    Cover Type Icon

    100

    100

    350

    350

    350

    200

  • Missed Departure
    Missed Departure Explanation
    Cover Type Icon

    250

    250

    1,000

    1,000

    1,000

    750

  • Kennel/Cattery
    Kennel/Cattery Explanation
    Cover Type Icon

    0

    0

    250

    250

    250

    0

  • Hijack/Kidnap
    Hijack/Kidnap Explanation
    Cover Type Icon

    0

    0

    0

    500

    500

    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

  • Travel Disruption
    Travel Disruption Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Mugging
    Mugging Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

Optional Cover toggle

  • 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

    Y

    N

    N

    N

    N

    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 (or click 'Compare Now' button to compare their quotes with every insurance provider).

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How to Buy Travel Insurance from American Express travel insurance

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Customer Reviews of American Express travel insurance

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