American Express Gold Travel Insurance: What's Actually Covered (2026)
Quick Answer
- Emergency Medical: Not included with this card
- Trip Delay: $300 per trip (12-hour minimum)
- Lost Luggage: $500 carry-on, $1,250 checked baggage per covered person per trip
Planning a trip or rental? Your American Express Gold already includes travel insurance — here's how to make the most of it. We'll show you what's covered, what's not, and how to claim confidently.
How It Compares
| Feature | This Card |
|---|---|
| Emergency Medical | Not included with this card |
| Trip Delay | $300 per trip (12-hour minimum) |
| Lost Luggage | $500 carry-on, $1,250 checked baggage per covered person per trip |
| Annual Trip Limit | $10,000 per trip |
See our complete guide to filing travel insurance claims for step-by-step help.
Related Guides
- American Express Gold Purchase Protection: $10,000 per claim, $50,000 per year Coverage
- American Express Gold Welcome Bonus: Up to 100,000 Membership Rewards points after $8,000 spend in first 6 months (offer varies by applicant)
- American Express Gold Airport Lounge Access: What's Included
- American Express Gold Rental Car Coverage: Up to $50,000 Secondary CDW
Source & Official Terms: View official benefit terms and conditions
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