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Travel Insurance

Have questions about AMEX Travel Insurance?

Find the answers that you’re looking for.

When should I purchase my travel insurance?

You must purchase coverage before departing on your trip. You may benefit from purchasing coverage when you make the initial purchases related to your trip. If you choose to purchase trip cancellation and interruption insurance – the Select and Ultimate Plans – you will want to ensure that all of your eligible trip-related purchases are indeed covered.


For example, if you purchase an airline ticket 6 months prior to your flight, there are many things that could occur between the time that you buy the ticket and your departure date. By purchasing either the Select or Ultimate Plan, you can be covered for certain trip-related costs should the unexpected occur.

Doesn’t my provincial health plan cover me when I’m travelling in the U.S. or Canada?

It is recommended that you carefully review your provincial health plan coverage. Provincial plans do not cover everything once you leave your home province/territory and typically cover only a limited portion once you leave the country. In fact, the Government of Canada urges all Canadians to purchase supplemental health insurance when leaving the country.

Travelling Outside of Canada

The Government of Canada states: “Do not rely on your provincial health plan to cover costs if you get sick or are injured while abroad. Out-of-country health care can be costly, and your health plan may not cover any medical expenses abroad.”

Travelling within Canada

While there is some cost sharing that is done among provinces, it is important to note that not all medical procedures are offered in every province.

There could also be significant delays in receiving reimbursements by the appropriate provincial ministries which could result in significant out-of-pocket expenses.

Why do I need travel medical insurance when I travel abroad?

An accident, illness or emergency can happen anywhere. If you need medical care in another country, your provincial health plan may pay only a portion of the costs. Travel Insurance starts where these plans leave off.

Plus, with our emergency medical coverage, you have access to the multilingual representatives of Assured Assistance, Inc. (AAI), our travel emergency network. AAI representatives are available 24 hours a day, seven days a week. They are very experienced at coordinating emergency care for travelers in foreign lands.

Whenever possible, AAI will also request for the medical service provider within the network to bill the covered medical expenses directly to the insurance provider instead of you – reducing stress and hassle.

Doesn’t my American Express® Card cover me when I travel?

Your American Express® Card may cover you with certain benefits related to travel, such as:

  • Travel Emergency Assistance2
  • Travel Accident Insurance3†
  • Flight and Baggage Delay Insurance4†
  • Lost or Stolen Baggage Insurance5†
  • Hotel/Motel Burglary Insurance6†

It is recommended that you carefully review the travel insurance coverage that your American Express® Card provides. If your Card includes these benefits, you may still seek to increase the level of coverage to suit your individual travelling needs.

Am I covered if I participate in any sports during my trip?

There are various sports that are not covered during your trip, all of which are described in more detail under the General Exclusions section of the Certificate of Insurance.

Can I extend my emergency medical coverage if I extend my trip?

Coverage can be extended by calling the Enrollment Centre at 1-866-896-5706 before your existing coverage expires. Your request will be approved provided no event has occurred that would give rise to a claim under the insurance and you request an extension before coverage for your trip terminates. If an event has occurred that would give rise to a claim, the extension of your insurance is subject to the approval of the Enrollment Centre.


Note: The total number of days outside your province or territory may not exceed 183 consecutive days (212 if you reside in the province of Ontario).

I bought a multi-trip annual plan, but one trip I’m planning will extend past the ending date of my coverage. How can I ensure I’m covered for the added days I’m travelling?

Coverage can be extended under the Multi-Trip Annual Plan by calling the Enrollment Centre at 1-866-896-5706. Your request will be approved provided no event has occurred that would give rise to a claim under the insurance and you request an extension before coverage for your trip terminates. If an event has occurred that would give rise to a claim, the extension of your insurance is subject to the approval of the Enrollment Centre.


Note: The total number of days outside your province or territory may not exceed 183 consecutive days (212 if you reside in the province of Ontario).

Does AMEX Travel Insurance™ offer special family prices?

Yes, family rates are available for all plans. This coverage insures you, your spouse and your immediate family when they travel with you or join you during your trip. Under this plan, you may insure your natural and adopted children and stepchildren if they are dependent and unmarried and if they meet one of the following criteria:

  • Under 21 years of age, or
  • Under 26 years of age if a full-time student, or
  • Mentally or physically handicapped and incapable of self-sustaining employment and totally reliant on you for support and maintenance.
Why should I buy trip cancellation and interruption insurance?

A trip can represent a significant investment. Plus, if you are like most people, you will likely book your trip well in advance. A lot can happen in the time between your first trip-related purchase and your departure date. If a medical emergency or other unfortunate event prevents you from going on your trip, you may lose some (or possibly all) of the money you paid.


With trip cancellation and interruption insurance, you can be covered when a specified situation prevents you from travelling as planned.


Examples include:

  • You can’t travel due to an illness, job loss or immediate family member’s medical emergency
  • You need to return home earlier than scheduled because of a family emergency or medical condition
  • And more – AMEX Travel Insurance provides trip cancellation and interruption insurance coverage for 33 specified situations


Please read the Certificate of Insurance documents below for the details:

Note: It is recommended that you purchase this insurance at the time you pay your initial travel deposit.

Do I really need to read my travel insurance policy?

It is strongly recommended that you do. Your insurance policy is a valuable source of information and contains provisions that may limit or exclude coverage. Please read it before you go, keep it in a safe place and carry it with you when you travel.

Who is eligible for coverage?

In general, to be eligible for this insurance, a person must be a client of Amex Bank of Canada or Amex Canada Inc., or a family member of a client, and covered under a government health insurance plan. More than one person may be covered under one Certificate of Insurance.

Will my age affect my coverage eligibility?

Generally speaking, no. While your age can affect the type of coverage you can buy, AMEX Travel Insurance has packages and plans that cover all age groups. If you are age 60 or older, you may be asked to answer a few questions about your health to ensure you have the appropriate coverage in place.

Will a pre-existing medical condition affect my coverage?

Possibly, depending on your age and your condition. Pre-existing medical conditions are covered if they are stable for a certain time period (as specified in your policy) before your policy’s effective date. Please call the Enrollment Centre at 1-866-896-5706 to discuss with an agent.

What do I need to know about completing the health questions?

Your answers to the health questions (if applicable) will place you into one of five categories and form part of your insurance policy.


When answering the health questions:

  • Be sure to take your time. The health questions may take up to 10 minutes to complete
  • Only you (the applicant) can complete and sign the health questions form. Please read each question carefully as incorrect answers will lead to cancellation of your coverage and the denial of your claim.
  • Have your prescriptions or a description of your medication nearby for reference.
  • Please review the answers you have provided to the health questions to confirm that they are correct.
  • If you are unsure about any questions regarding your medical condition or medications, please speak to your physician or call Assured Assistance Inc. (AAI). AAI can be contacted 24 hours a day, 7 days a week by calling: 1-866-896-5703 toll-free from the US & Canada, or (905) 816-1758 collect from anywhere in the world
Which travel insurance package or plan is right for me?

The appropriate coverage for your trip depends on several factors, including (but not limited to) where you’re travelling to, how long you will be gone, the kind of transportation you’ll be using and, in some instances, your health condition. Custom-fit the coverage levels and options you may need by using the quote and enrolment tool on this site, or by calling the Enrolment Centre at 1-866-896-5706.