American Express Platinum Travel Insurance: $10,000 per trip, $20,000 per year Cancellation

Yes, American Express Platinum covers trip cancellation up to $10,000 per trip, $20,000 per year when you pay for your trip with the card. Coverage applies to specific covered reasons like illness, injury, or severe weather. Pre-existing conditions are generally excluded.

American Express Platinum reimburses up to $500 per trip for delays of 6+ hours. Covered expenses include meals, lodging, and toiletries. Keep all receipts for reimbursement.

Yes, American Express Platinum provides up to $3,000 per person for lost luggage. File a claim with the airline first, then submit to your card issuer.

Coverage for pre-existing conditions varies by card. Some cards exclude them entirely, while others offer coverage if you meet specific requirements like booking within a certain timeframe of your initial trip deposit.

Coverage usually applies if you pay the full prepaid amount directly with your eligible card, but OTAs and third-parties often complicate claims. Safest: book direct with the airline/hotel or issuer portal. Itinerary must show your card's last 4 digits and statement charge should be from the provider. Split payments or points usage may void coverage. Always verify your card's Guide to Benefits before relying on coverage.

No. Norte analyzes coverage from our database of 200+ cards. Simply select your cards from our list — no account connections or personal financial data required.

Our database is built from official card benefit guides and policy documents. We verify coverage details regularly, but always confirm with your card issuer before making claims.

Most claims are processed within 30-45 days of submitting complete documentation. You'll typically receive initial acknowledgment within 5-7 business days.