American Express travel insurance overview
Founded in 1850, American Express is best known for its credit card services - but the company also offers travel insurance, alongside a number of other insurance products.
American Express travel insurance is underwritten by Inter Partner Assistance SA and serviced by AXA Assistance.
What you need to know about American Express' travel insurance policy:
- Baggage and belongings limit of £2,500.
- Personal car breakdown cover.
- No legal expenses cover on single-trip policy.
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American Express' travel insurance policy: is it good or bad?
We've scrutinised around 200 travel insurance policies, combining our analysis with feedback from 4,528 members of the general public.
Each policy is rated to produce a Which? policy score as well as a customer score.
Table last updated in November 2018. Next update in May 2019.
|Policy elements||Details||Rating||Area covered|
|Medical expenses cover limit (£)||Annual and single-trip|
|Cancellation/curtailment limit (£)||Single-trip|
|Cancellation/curtailment limit (£)||Annual|
|Travel delay - 12 hours limit (£)||Annual and single-trip|
|Travel delay - maximum limit (£)||Single-trip|
|Travel delay - maximum limit (£)||Annual|
|Baggage & belongings limit (£)||Annual and single-trip|
|Money including cash limit (£)||Single-trip|
|Money including cash limit (£)||Annual|
|Cash limit (£)||Single-trip|
|Cash limit (£)||Annual|
How we calculate customer and policy scores
We calculated the customer scores using a combination of overall customer satisfaction and the likelihood of recommending the provider to a friend.
We calculated the policy scores by rating the most important elements of the policy, including medical expenses cover limit, cancellation/curtailment limit, travel delay limit, baggage and belongings limit and money limit.
The total score combines both the customer score and policy score.
To qualify as a Which? Recommended Provider, an insurer must:
- Be regulated by the Financial Conduct Authority.
- Be available to the general public.
- Have received 30 or more responses in our customer survey.
- Have received an average or above average policy score (see table for current average score) and a customer score of 70% or above.
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