The Nugget
- Trip Cancellation and Interruption Insurance covers unforeseen events that prevent you from completing your travel—if you charge your entire trip to an eligible American Express card. Understanding covered losses and claiming processes is essential for smooth reimbursements.
Make it stick
- 🎟️ Covered Trips involve travel via Common Carrier, starting and ending at your city of residence, and charged to an Eligible Card.
- đźš‘ Covered Losses include accidents, sickness, severe weather, military changes, and other unforeseen events impacting your trip.
- đź’µ Maximum Limits: Up to $10,000 per trip and $20,000 per card within a 12-month period for cancellations and interruptions.
- ⏳ Claims Reporting: Notify the Administrator within 60 days of a covered loss and submit proof within 180 days of your loss.
Key insights
Overview of Coverage
- Coverage begins upon purchasing a Covered Trip and ends once the trip is complete.
- Must charge the full trip expense to an Eligible Card for coverage activation.
Criteria for Covered Losses
- Accidental Bodily Injury or Sickness of the eligible traveler, their companion, or family members.
- Inclement Weather that makes travel unreasonable.
- Change in military orders.
- Events like Terrorist Actions or Subpoenas that directly affect travel.
- Uninhabitable dwelling of the eligible traveler or family members.
- Quarantine due to health reasons.
Exclusions to Coverage
- Pre-Existing Conditions affect coverage.
- Self-inflicted injuries or participation in illegal acts are excluded.
- Any losses tied to a declared war or non-emergency medical treatments are not covered.
- Engaging in high-risk activities (like parachuting or racing) also voids claims.
Key quotes
- "Coverage is secondary to and in excess of any other applicable insurance or benefit available to the Eligible Traveler."
- "If a Covered Loss causes an Eligible Traveler’s Trip Interruption, we will reimburse you for the nonrefundable amount paid to a Travel Supplier."
- "The maximum benefit amount for Trip Cancellation Insurance is $10,000 per Covered Trip."
- "Notify the Administrator of your claim within sixty days of the Covered Loss or the claim may not be honored."
- "No coverage is provided if you or anyone qualifying as an insured does the following: conceals or misrepresents any fact upon which we rely."
This summary contains AI-generated information and may have important inaccuracies or omissions.