american express centurion card life insurance coverage

Please note: All claims are subject to validation.

Your travel was booked on an American Express card (except for some Centurion cards – your Terms & Conditions will take precedence).

The insurer will require proof of this as part of your claim.

You have already contacted your airline or travel provider to change dates or arrange a refund or to receive a travel credit and have been unsuccessful.

Your insurance policy includes Cancellation/Curtailment cover (all Platinum and Centurion travel insurance policies include Cancellation/Curtailment cover).

In each of the above circumstances, the below 3 points must also be met:

You have become either ill or quarantined due to COVID-19, and therefore cannot travel.

Your home country advises against non-essential travel, and travel was booked before advice was issued.

quarantine or ban on foreign arrivals), and travel was booked before restrictions were announced

The destination government has imposed restrictions (i.e.

Your flight was cancelled due to COVID-19.

The insurer usually compensates for cancellations only under certain circumstances however, in these extraordinary circumstances the trip cancellation insurance has been improved and they expect to provide coverage under the following 4 circumstances: Under what circumstances will I be compensated if I cancel my trip? Most airlines and hotels are now providing flexible cancellation arrangements and/or travel credits.If your travel was booked before the government advice was issued and as a result you cannot travel, the insurer may be able to compensate as explained below. In the first instance, you should always contact your airline or travel provider to postpone your trip or arrange a refund or travel credit. I need to cancel or change my travel plans. However, if you travel against this advice and take a non-essential trip, we will only provide cover during your trip for medical or other events not related to COVID-19, subject to Terms and Conditions. If the government advises travel restrictions due to COVID-19 (for example, only essential travel allowed) and you choose to travel against this advice then your travel insurance will not cover medical, quarantine or other costs that directly or indirectly relate to COVID-19. You can also send email enquiries should I do if my travel service provider does not cancel my trip? You can make a claim online at any time – please visit (If you experience any issues using Internet Explorer, you may need to access this link via Chrome) If you are not able to recover from your travel provider, please submit a claim along with the original and amended itineraries as well as any relevant documents. If your travel is cancelled or disrupted, we recommend that you first consider if you have any rights to seek a refund from your travel agent or the travel service provider or if you are able to make alternate travel arrangements based on existing bookings. What should I do if I need to make a claim?

The guidance is as accurate and up-to-date as possible but the final decision/assessment of individual claims is made by the insurer.

The below general information is intended to give guidance and reassurance to Cardmembers whose Cards include travel medical and trip cancellation insurance benefits in relation to the COVID-19 pandemic.

American express centurion card life insurance coverage