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American Express travel insurance review

Find out how American Express is rated for customer service, and how its travel insurance policies are rated in terms of cover.

In this article
American Express travel insurance overview American Express' travel insurance policy: is it good or bad?
How we calculate customer and policy scores

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 (£) Logged out detail Logged out detail Annual and single-trip
    Cancellation/curtailment limit (£) Logged out detail Logged out detail Single-trip
    Cancellation/curtailment limit (£) Logged out detail Logged out detail Annual
    Travel delay - 12 hours limit (£) Logged out detail Logged out detail Annual and single-trip
    Travel delay - maximum limit (£) Logged out detail Logged out detail Single-trip
    Travel delay - maximum limit (£) Logged out detail Logged out detail Annual
    Baggage & belongings limit (£) Logged out detail Logged out detail Annual and single-trip
    Money including cash limit (£) Logged out detail Logged out detail Single-trip
    Money including cash limit (£) Logged out detail Logged out detail Annual
    Cash limit (£) Logged out detail Logged out detail Single-trip
    Cash limit (£) Logged out detail Logged out detail 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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