Alyssa Lane
American Express offers travel insurance for its customers, which includes emergency medical coverage. AMEX® Travel Insurance is underwritten by Royal & Sun Alliance Insurance Company of Canada and offers four pre-packaged plans that can be topped up or extended. The insurance covers emergency medical expenses, including hospital, surgical, and medical treatments, as well as dental expenses. It also provides coverage for emergency medical transportation and repatriation of remains. The coverage limit for emergency medical insurance is $5,000,000 CAD per insured person, per trip, for eligible reasonable and customary costs incurred during a medical emergency.
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What You'll Learn
- Amex Travel Insurance offers four pre-packaged plans that can be topped up or extended
- Coverage includes emergency healthcare, dental costs, and medical evacuation
- Amex provides limited reimbursement for high-end items, including sports equipment and photography equipment
- Amex Travel Insurance is underwritten by the Royal & Sun Alliance Insurance Company of Canada
- Amex offers trip cancellation and interruption insurance, trip delay insurance, and car rental loss and damage insurance
Amex Travel Insurance offers four pre-packaged plans that can be topped up or extended
The four pre-packaged plans range from a Basic plan to a Platinum plan. The Basic plan does not offer coverage for trip delays, but all other plans do, with the Platinum plan providing up to $300 per day (up to a maximum of $1,000 per trip). The Platinum plan costs $208, while the Basic plan costs $59.
Amex Travel Insurance is underwritten by Royal & Sun Alliance Insurance Company of Canada. It is optional group travel insurance, and all insurance coverage is subject to the terms and conditions of the Group Policy issued to Amex Bank of Canada, as well as the limitations and exclusions described in the Certificate of Insurance issued upon enrollment.
Amex Travel Insurance provides flexible coverage to fit your travel plans and budget. It can be purchased outright or included as a perk, with some benefits included on certain cards. These benefits include trip cancellation and interruption insurance, trip delay insurance, car rental loss and damage insurance, baggage insurance, and the Premium Global Assist Hotline (or Global Assist Hotline). The Global Assist Hotline can be relied on 24 hours a day, 7 days a week, for medical, legal, financial, or other select emergency coordination and assistance services while travelling more than 100 miles away from home.
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Coverage includes emergency healthcare, dental costs, and medical evacuation
Amex Travel Insurance offers four pre-packaged plans that can be topped up or extended based on the coverage you need. The plans range from $59 for a Basic plan to $208 for a Platinum plan.
The Platinum plan offers medical protection, which includes coverage for emergency healthcare and dental costs, as well as medical evacuation and repatriation of remains. The Basic plan does not offer this benefit.
Amex Travel Emergency Medical Insurance offers coverage of up to $5,000,000 CAD per insured person, per trip, for eligible reasonable and customary costs incurred by you, in excess of any expenses payable by your government health insurance plan or any other insurance plan. This covers emergency services that are medically required during your covered trip as a result of a medical emergency.
Covered expenses for Emergency Medical Insurance coverage are reimbursed directly to the medical providers when possible. To obtain a Claim & Authorization form or to check the status of a claim, contact Global Excel at 1-844-780-0501 or visit the RSA Claim Portal.
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Amex provides limited reimbursement for high-end items, including sports equipment and photography equipment
Amex offers travel insurance products that provide varying levels of coverage for different travel-related incidents and expenses. While Amex does not provide emergency medical coverage under its travel insurance plans, it does offer limited reimbursement for high-end items, including sports equipment and photography equipment.
The reimbursement for high-end items is a feature of the baggage coverage offered by Amex cards. This benefit provides monetary compensation for lost, stolen, or damaged luggage and its contents. The coverage and reimbursement limits vary depending on the specific Amex card and the nature of the items involved.
High-end items that may be covered include sports equipment, photography equipment, electronic equipment, computers, audiovisual equipment, wearable technology, and items made of precious metals or fur. It is important to note that the coverage for these items is limited, and the reimbursement amount may not exceed a certain threshold.
To file a claim for reimbursement, cardholders must act promptly and provide the necessary documentation. Claims for lost or stolen items should be filed within 30 days of the incident, and a police report or original store receipt may be required. Additionally, Amex may request that the damaged item be sent to them for assessment.
While Amex provides limited reimbursement for high-end items, cardholders should carefully review the terms and conditions of their specific card to understand the coverage limits and exclusions. It is also recommended to compare Amex's coverage with other travel insurance options to ensure adequate protection for valuable items while travelling.
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Amex Travel Insurance is underwritten by the Royal & Sun Alliance Insurance Company of Canada
Amex Travel Insurance offers four pre-packaged plans that can be topped up or extended based on the coverage you need. The plans range from Basic to Platinum and include coverage for trip cancellation and interruption, trip delay, car rental loss and damage, baggage insurance, and the Premium Global Assist Hotline (or Global Assist Hotline). The Global Assist Hotline can be used for medical, legal, financial, or other select emergency coordination and assistance services while travelling more than 100 miles away from home.
Additionally, Amex Travel Insurance provides emergency medical coverage, which offers up to $5,000,000 CAD per insured person, per trip, for eligible reasonable and customary costs incurred due to a medical emergency during your trip. This includes coverage for hospital, surgical, and medical treatments, emergency dental expenses, and continued treatment at home, as well as access to a physiotherapist, chiropractor, osteopath, chiropodist, or podiatrist when ordered by a physician during your trip.
It's important to note that Amex Travel Insurance is optional group travel insurance, and you may choose to cover your insurance needs from other sources. Always review the terms and conditions of any insurance policy before purchasing to ensure it meets your specific needs.
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Amex offers trip cancellation and interruption insurance, trip delay insurance, and car rental loss and damage insurance
Amex offers a range of insurance products to protect its customers when they travel. These include trip cancellation and interruption insurance, trip delay insurance, and car rental loss and damage insurance.
Trip Cancellation and Interruption Insurance protects customers against covered losses, such as sickness or injury to the traveller or a travelling companion. This insurance is effective for round-trip purchases made entirely with an eligible Amex card. To verify your benefits, you can call the number on the back of your card.
Trip Delay Insurance is also effective for round-trip purchases made entirely with an eligible Amex card. This insurance covers delays during your trip and is subject to certain terms, conditions, and limitations. To verify your benefits and learn more about what is covered, call the number on the back of your card.
Car Rental Loss and Damage Insurance is underwritten by Amex Assurance Company. This insurance covers losses and damages to your rental car.
In addition to these insurance offerings, Amex also provides Emergency Medical Travel Insurance, which offers coverage of up to $5,000,000 CAD per insured person, per trip, for reasonable costs incurred as a result of a medical emergency during your trip. This includes hospital, surgical, and medical treatment costs, as well as emergency dental expenses and continued treatment upon returning home.
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Frequently asked questions
Amex Travel Emergency Medical Insurance covers emergency medical expenses incurred during your trip, including hospital, surgical, and medical treatments, as well as emergency dental expenses. It also covers the cost of a physiotherapist, chiropractor, osteopath, chiropodist, or podiatrist, up to a maximum of $250 per profession, when ordered by a physician during your trip.
Amex Travel Emergency Medical Insurance offers coverage of up to $5,000,000 CAD per insured person, per trip, for eligible reasonable and customary costs incurred during a medical emergency. This coverage is in excess of any expenses payable by your government health insurance plan or any other insurance plan.
You can get a free, no-obligation quote for Amex Travel Emergency Medical Insurance online or by calling their customer service line at 1-844-200-8959. You will need to provide details such as your departure and return date, state of residence, age, number of travelers, and trip cost per traveler.
In addition to Emergency Medical Insurance, Amex Travel Insurance offers coverage for trip cancellation, trip interruption, trip delays, car rental loss and damage, baggage loss or delay, and emergency legal and medical referrals. The Premium Global Assist Hotline is also available 24/7 for medical, legal, financial, or other select emergency coordination and assistance services while traveling more than 100 miles away from home.
