American Express Canada Credit Card Review and Comparison

American Express is one of the best known credit card companies that offer Canadians travel insurance as a credit card perk.

How It Works

American Express credit cards come with a travel insurance perk, which gives you travel insurance for multiple trips throughout the year. Having insurance on your credit card can be a great way to avoid the hassle of shopping for travel insurance every time you travel.

You Should Know

Accidental death and dismemberment insurance (called travel accident insurance by American Express) is not emergency medical insurance for travel. Accidental death and dismemberment (AD&D) insurance simply provides benefits if you are killed (and sometimes if you’re injured) as a result of an accident. An AD&D policy does not cover medical care, and does not cover you for the entire length of your vacation. You are generally only covered with AD&D insurance while you’re traveling on a common carrier (like a commercial flight or train).

The only American Express credit cards that offer medical travel insurance are:

• American Express® Platinum Credit Card. See our review.
• American Express® Gold Rewards Card. See our review.
• American Express® AeroplanPlus® Platinum

Comparison of Travel Insurance On American Express Credit Cards

American Express has over ten cards that offer travel insurance perks.

Card	Annual Fee	Medical Travel Insurance	Travel Accident Insurance	Trip Cancellation	Trip Interruption	Baggage	Flight Delay
American Express	$55
Platinum	$699
Gold Rewards	$150. First year free.
AeroplanPlus	$60. First year free.
Business	No fee.
AIR MILES	No fee.
Starwood Preferred Guest	$120
AeroplanPlus Platinum	$499
AeroplanPlus Gold	$120
AIR MILES Platinum	$65. First year free.
AIR MILES Gold	No fee.
AIR MILES Platinum Business	$99
Business Gold Rewards	No fee.
Starwood Preferred Guest Business	$150
Blue Sky	No fee.
Holt Renfrew	No fee.
True Earnings Cashback	No fee.