Card benefits, read from the guide
Amex Gold travel insurance: what it actually covers
Check what a delayed flight owes you, from the airline and your card
Trip delay pays up to $300 per trip once a flight is delayed more than 12 hours. You have 60 days from the delay to open the claim.
Quick answer
- Trip delay$300 after 12 hoursfile within 60 days
Everything the card covers
| Benefit | Pays up to | Per | File within |
|---|---|---|---|
| Trip delay | $300 | trip | 60 days |
| Auto rental damage unverified | $50,000 | not known | not known |
| Lost or damaged baggage unverified | $1,250 | not known | not known |
Rows marked unverified (2) come from a compiled third-party summary rather than this issuer’s guide. Treat those amounts as indicative until we have read the guide itself.
What each one means in practice
Trip delay
Twelve hours is the common threshold. A delay of six or eight hours, which is long enough to ruin a day and cost real money, does not reach it.
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.
What this card does not cover
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 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.