Lost Baggage Reimbursement
- Coverage limits: $3,000 per traveler, $3,000 for all travelers per trip ($2,000 per bag for New York residents, or $3,000 per trip)
- Who is covered: Primary cardholder, spouse, dependent children
Lost baggage reimburses you for luggage that your airline loses. The insurance covers most possessions, but it's important to look over what's not covered in your card's benefits page.
For instance, bicycles, eyecare (like sunglasses and contact lenses), tickets, cameras, cellphones, sporting equipment, and certain non-durable items, like perfume, may not be covered.
Baggage Delay
- Coverage limits: $300 per traveler, $300 for all travelers per trip
- Who is covered: Primary cardholder, spouse, dependent children
This insurance will reimburse you for covered expenses that might arise when your luggage is delayed by at least four hours at your destination. This only applies if you lose your bags at your destination (you won't be reimbursed if bags are delayed at your original point of departure). Covered expenses include toiletries and a change of clothes.
Keep in mind that if the item is not in your delayed bag, you probably won't get reimbursed for it. For instance, if you try to use this benefit to get your first pair of Gucci sunglasses, your claim might get denied.
Roadside Dispatch®
This program will put you in touch with a tow truck or fuel deliverer if you're stuck or stranded. Common services include towing, tire changes, jump starting, lockouts, fuel deliveries, and standard winching.
Note: Services aren't free. You'll pay for each service as you use them. The service is available 24/7 at 1-800-847-2869.
Trip Cancellation and Interruption Protection
- Coverage limits: $2,000 per covered traveler per trip
- Who is covered: Primary cardholder, spouse, dependent children
Trip cancellation and interruption reimburses you when your trip is canceled or cut short for a covered reason. Coverage includes airline tickets, but not accommodation or entertainment bookings at your destination. Covered reasons include death, accidental bodily injury, disease, physical illness, or insolvency of your airline company. If you're feeling sick but a medical practitioner has not advised you not to travel, you're likely not eligible for this benefit.
$1,000,000 Worldwide Automatic Common Carrier Travel Accident Insurance
This insurance helps cover expenses that arise if you lose your life or a limb while riding as a passenger in an aircraft or in any form of transportation to or from an airport. It can also cover you while you're waiting at the airport for your flight.
Cardholders get up to $1,000,000 per account, but the maximum benefit you're allowed for specific incidents depends on the loss (losing a thumb, for instance, gives you 25% of the maximum coverage). Loss of limb could include hands or feet, as well as sense organs like eyes, ears, and those that give you the ability to speak.
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