American Express Gold trip-delay benefits
American Express · US consumer
Use this guide to understand the card’s trip-delay reference before checking your own situation. Coverage depends on your applicable account terms, trip, payment and evidence.
Trip-delay quick reference
Guide limit · up to
$300
Per covered trip
Timing condition
More than 12 hours
Eligible expenses only. This limit is not a guaranteed payment.
Examples of additional expenses
- Meals
- Lodging
- Toiletries
- Medication
- Other personal-use items
Payment and trip
Round-trip common-carrier travel, away from your home city, lasting no more than 365 days. Charge the full transportation cost to the eligible card; qualifying card points or frequent-flyer awards may be combined with card payment under the guide.
Travelers and causes
Cardholder, qualifying family and prearranged traveling companions. Dependent-child and domestic-partner definitions apply. Listed causes: severe weather, terrorism or hijacking, carrier equipment failure, and lost or stolen travel documents.
Limits and exclusions
Two claims per card in 12 consecutive months. Secondary coverage. Known pre-departure disruptions, prepaid expenses and intentional losses are excluded.
Claim preparation
Notify within 60 days; provide proof within 180 days, subject to the guide’s exceptions. Keep carrier statements, tickets, card-payment evidence and expense receipts.
Reference available. Personalized assessment is still pending verification of date applicability and additional eligibility conditions.
Read the official benefit guideAmerican Express Trip Delay Insurance · pages 1–4 · Reviewed 2026-09-09
The linked guide does not state a calendar effective date.
Check the facts of your trip
This card’s personalized assessment remains pending. The checker can help organize evidence but currently returns Needs review.
Check my trip with this cardThis page covers trip-delay expenses. It does not establish baggage, lounge, rewards or trip-cancellation benefits. The administrator makes the final decision.