Card benefits, read from the guide
Amex Business Platinum travel insurance: what it actually covers
Free checker for flight delays, cancellations and card benefits
Trip delay pays up to $500 per trip once a flight is delayed more than 6 hours. You have 60 days from the delay to open the claim.
Quick answer
- Trip delay$500 after 6 hoursfile within 60 days
- Trip cancellation$10,000file within 60 days
- Trip interruption$10,000file within 60 days
Everything the card covers
| Benefit | Pays up to | Per | File within |
|---|---|---|---|
| Trip cancellation | $10,000 | trip | 60 days |
| Trip interruption | $10,000 | trip | 60 days |
| Trip delay | $500 | trip | 60 days |
What each one means in practice
Trip cancellation
The entire cost has to go on this card. A partial payment does not qualify.
A round trip is required. One-way travel is not covered.
Trip interruption
The entire cost has to go on this card. A partial payment does not qualify.
A round trip is required. One-way travel is not covered.
Trip delay
Six hours is an unusually low threshold. Most cards start at twelve, including cards from the same issuer, so this one reaches delays the others miss.
Air traffic control delays are not on the covered list, which catches people out because it is one of the most common reasons a flight runs late.
Unusually, a delay caused by lost or stolen travel documents is covered.
Strikes are not covered here, though most cards do cover them.
The entire cost has to go on this card. A partial payment does not qualify.
A round trip is required. One-way travel is not covered.
Had a delayed flight on this card? Check it against both the federal rules and these benefits. Free, no account, answer on the page.
How to file a claim
Who handles it
New Hampshire Insurance Company (AIG)
Not American Express directly. Calling the number on the back of your card will usually get you transferred.
Start a claim at aig.claimnotify.com/americanexpress →
Or call
Your deadlines
Opening a claim and sending the documents are two different deadlines. Open it early, even while you are still collecting receipts.
| Benefit | Open within | Documents within |
|---|---|---|
| Trip cancellation | 60 days | 180 days |
| Trip interruption | 60 days | 180 days |
| Trip delay | 60 days | 180 days |
What to keep
- The airline’s written explanation of the delay or cancellation.
- Your card statement showing the fare was paid on this card.
- Itemised receipts for everything you are claiming.
- The original itinerary, including the flight numbers and dates.