amex platinum travel delay insurance

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The Guide to AmEx Platinum Travel Insurance

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Table of Contents

When does the AmEx Platinum travel insurance kick in?

Amex platinum travel insurance benefits and limits, how to make an amex travel insurance claim, what if the card’s insurance benefits are insufficient, the platinum card® from american express travel insurance, recapped.

Travel insurance can provide peace of mind when you’re away from home, especially when you’ve spent significant money on your vacation. Although you can choose to buy a separate travel insurance policy, not everyone wants or needs to do so.

Many travel credit cards offer complimentary insurance for a variety of occurrences. The Platinum Card® from American Express offers travel insurance with a suite of benefits for eligible travelers, including coverage for trip interruption, rental car damage and lost luggage.

Let’s take a look at travel insurance on The Platinum Card® from American Express , its limits and the benefits it provides.

» Learn more: What is travel insurance?

So, does The Platinum Card® from American Express have travel insurance? The short answer to this is yes, but you’ll need to meet specific requirements for it to apply.

To get coverage from your card, you’ll need to use it to pay for your trip in its entirety. This is true whether you’re looking to utilize the trip insurance or the rental car insurance — you must pay for the full cost with The Platinum Card® from American Express .

Be aware of coverage limitations if you’re traveling using points or miles. While it’s possible to receive benefits when using your card to pay the taxes and fees on a reward redemption, coverage may not always apply.

You may still be covered for trip interruption, delay, and cancellation insurance when using points or frequent flyer miles.

However, rental car and baggage insurance only apply when you’ve used your card to pay for the full cost of whatever you’re buying — no points allowed. The exception is if you redeem American Express Membership Rewards to pay for some or all of the booking.

» Learn more: How does credit card travel insurance work?

We’ve included a breakdown of all the insurance benefits and other travel protections provided by The Platinum Card® from American Express .

Trip cancellation protection

The trip cancellation insurance you’ll receive will pay for any nonrefundable losses you incur due to a covered event.

Given the current climate, you may also be wondering: does The Platinum Card® from American Express travel insurance cover COVID? It can, depending on the reason you need to cancel. Covered events include quarantine imposed by a physician or illness for you, your family members or a traveling companion.

Other eligible events include a change in military orders, inclement weather or jury duty.

If you need to cancel your trip, AmEx will provide up to $10,000 per trip and a maximum of $20,000 every 12 months. Terms apply.

» Learn more: The guide to American Express travel insurance

Trip interruption coverage

As with trip cancellation protection, trip interruption insurance will reimburse you for nonrefundable losses by a covered event.

If your trip is interrupted, American Express will cover you for prepaid land, air and sea travel bookings you’ve missed. They’ll also pay for the cost of an economy-class ticket on the most direct route to rejoin your covered trip (or take you home).

The maximum benefit you’ll receive is $10,000 per trip and up to $20,000 every 12 months. Terms apply.

Trip delay insurance

As it sounds, trip delay insurance will reimburse you for expenses incurred when your trip doesn’t go as scheduled. In the case of The Platinum Card® from American Express , coverage kicks in after you’ve been delayed by at least six hours for a covered reason.

Covered purchases may include food, toiletries, lodging, medication and other personal use items. You’ll be reimbursed for up to $500 on a covered trip and can make two claims within a 12-month period. Terms apply.

Rental car insurance

The Platinum Card® from American Express provides secondary rental car insurance . This means it’ll kick in after other claims — like those made to your personal insurance — have been paid. To activate coverage, you’ll need to decline the insurance offered by the rental car company.

AmEx will provide up to $75,000 due to damage or theft of the rental vehicle, but be aware that the policy doesn’t provide liability insurance.

It’ll also give you up to $1,000 per person (max of $2,000) for personal property lost in the incident and up to $5,000 for accidental injury. Finally, you’ll receive up to $300,000 for accidental death or dismemberment, though the rates will vary depending on the severity of your injuries.

This rental car insurance is valid worldwide with a few notable exceptions, including Australia, Italy and New Zealand. Terms apply.

» Learn more: Credit cards that provide travel insurance

Baggage coverage

Cardholders and their families are eligible for baggage insurance provided they’ve paid for the fare using The Platinum Card® from American Express . This benefit is only for lost baggage; delayed luggage is not protected.

Coverage limits vary depending on whether you’ve checked your bag or carried it on:

Checked bags: Up to $2,000 per person.

Carry-on: Up to $3,000 per person.

Note also that checked baggage is only covered when you’re actually traveling with a common carrier. Meanwhile, carry-on luggage is also covered when traveling to and from or waiting at the terminal.

There are also specific limits for high-risk items such as jewelry and electronic equipment. For these items, you’ll receive a maximum of $1,000 per person per trip. Terms apply.

» Learn more: Baggage insurance explained

Premium Global Assist

What else does The Platinum Card® from American Express travel insurance cover? Although this last benefit isn’t technically a type of travel insurance, it’s worth including as it can offer help while you travel.

AmEx’s Premium Global Assist hotline is a 24/7 service that can assist you in various ways, such as helping you get a new passport, finding translation services and even arranging for emergency medical evacuation.

Although using Premium Global Assist is free, the services that you may end up using are not necessarily covered by AmEx.

There are exceptions to this — if you need repatriation of mortal remains, emergency medical evacuation or if a child under 16 is left without care, AmEx will provide aid at no additional cost. Terms apply.

To file a claim, you’ll need to contact your benefit administrator. The phone number and timeframe will vary according to the type of insurance you’re using:

Trip cancellation, interruption or delay insurance: Within 60 days, call 844-933-0648.

Baggage insurance: Within 30 days, call 800-228-6855 or online .

Rental car insurance: Within 30 days, call 800-338-1670 or online .

» Learn more: The guide to AmEx Platinum rental car benefits

If The Platinum Card® from American Express travel insurance doesn’t seem like it’ll be enough for your trip, or if its coverage doesn’t include features that you’d like to have, consider purchasing a separate travel insurance policy before you travel.

Several companies allow you to compare various policies for any vacation and modify inclusions as you shop.

» Learn more: How much is travel insurance?

The travel insurance offered by The Platinum Card® from American Express includes some pretty generous benefits for travelers, especially since it’s complimentary (the $695 annual fee notwithstanding). Terms apply.

If you want to take advantage of this insurance, pay for your trip using your AmEx card and double-check any other stated requirements before heading out to ensure coverage.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024 , including those best for:

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

On a similar note...

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American Express Cards: Travel Insurance Benefits Guide [In-Depth]

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A Summary of Travel Insurance Benefits for Amex Cards

Which american express cards offer this, which amex cards offer this, final thoughts.

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Whenever you book a segment of a trip, you’ll often see an option to purchase travel insurance to protect your adventure. That can often be a good idea, especially if you’re planning a bigger or more expensive trip (though you may be better off getting insurance from a third party instead of the travel provider).

But did you know that a lot of different credit cards come with their own travel insurance benefits? This is a great feature that’s included in the cost of your annual fee, but it’s one that many people don’t realize they have or know how to use.

In this article, we’ll look specifically at the Amex travel insurance benefits included with several of their cards, including what’s covered, what isn’t covered, and when you should consider purchasing additional insurance. Keep in mind that terms may apply and enrollment may be required, so ensure you double-check your enrollment within your American Express account.

*All information about these cards has been collected independently by Upgraded Points.

Trip Interruption and Cancellation Insurance

If your trip is either interrupted or canceled , you’ll probably want to look into getting reimbursed for associated expenses. With regards to American Express, you need to have booked a “covered trip” or have your flight canceled for a “covered reason.”

If you read through the actual policies of Amex, it can get quite confusing quite quickly. You’ll often see a reference to a “common carrier.” A common carrier is simply a method of air, land, or water public transportation (like an airplane, train, bus, or cruise ship).

A “covered trip” is defined as a round-trip ticket booked entirely with your eligible card. This covers more than a single round-trip ticket booked altogether in 1 reservation. You must begin your travel in the same city you return to. Also, the duration of travel can’t exceed 365 days away from the origin.

Lastly, the period of travel may consist of round-trip, one-way, or combinations of round-trip and one-way tickets with common carriers. Anecdotally, paying for taxes and fees on an award ticket and Pay With Points are “covered trips.”

A “covered reason” includes inclement weather, terrorist action, call to jury, sudden illness, or injury to you or an eligible traveler.

Before you think about trying to get reimbursed, you need to figure out which Amex cards offer trip cancellation and interruption insurance. Currently, these Amex cards offer trip cancellation and interruption insurance:

• Amex Platinum card
• Amex Business Platinum card
• Amex Schwab Platinum card
• Amex Corporate Platinum card
• Delta Reserve card
• Delta Reserve Business card
• Marriott Bonvoy Brilliant card
• Hilton Aspire card

Additionally, all of these cards have the same level of coverage — you are eligible for up to $10,000 of non-refundable travel expenses for up to $20,000 per account in a rolling 12-month period.

Trip Delay Insurance

Trip delay insurance is designed to cover unforeseen circumstances that delay your flight but don’t merit a cancellation. To qualify, you need to have booked a “covered trip” and your flight should be delayed for a “covered reason.”

Here are examples of “covered reasons”:

• Inclement weather, which prevents a reasonable and prudent person from traveling or continuing on a covered trip (e.g. severe weather that delays the scheduled arrival or departure of a common carrier)
• Terrorist action or hijacking
• A common carrier’s equipment failure, as documented by the common carrier
• Lost or stolen passports or travel documents

Once you qualify, you’ll get reimbursed for “reasonable additional” expenses. “Reasonable additional” expenses include, but are not limited to meals, lodging, toiletries, medication, and other personal use items.

There are 2 tiers of trip delay insurance with Amex.

The first tier covers up to $500 for a delay of more than 6 hours , and these Amex cards offer this:

• Marriott Bonvoy Brilliant cardHilton Aspire card

The second tier covers up to $300 for a delay of more than 12 hours , and these Amex cards cover this:

• Amex Business Gold card
• Amex Gold card
• Amex Green card
• Amex Business Green card
• Delta Platinum card
• Delta Platinum Business card

Rental Car Insurance

Rental car insurance is one of the most important considerations of vacation transportation logistics. At face value, rental car insurance sounds like a sales pitch when you’re renting a car.

However, should something happen to your rental car, which is not always in your control, you could be shelling out thousands of dollars to resolve the issue! If that doesn’t sound like fun, you should absolutely consider rental car insurance, which is also known as a car rental collision damage waiver .

Primary car rental insurance automatically kicks in, and it will cover loss or damages except for liability, damage to other cars or personal property, or personal bodily injury or to other people.

Secondary car rental insurance kicks in as a backup . You’ll have to file a claim with your personal insurance, and secondary insurance only covers whatever your personal auto insurance doesn’t.

Hot Tip: Want more cards with this coverage? Explore our guide on the best credit cards for car rental insurance.

There are currently no Amex cards that offer primary rental car insurance. However, these cards all offer secondary car rental insurance:

• Amex Blue Business Plus card
• Amex Blue Cash Everyday card

Lost, Damaged, and Stolen Baggage Insurance

American Express is also generous when it comes to baggage insurance .

When you have the ultra-premium Amex cards, you can get coverage for lost, damaged, or stolen baggage, which is up to $2,000 for checked luggage, with a combined maximum of $3,000 for checked and carry-on baggage per covered person . Note that there’s a total maximum limit of $10,000 for everyone on the trip combined.

When you have some premium Amex cards, you can get coverage for lost, damaged, or stolen baggage, which is up to $500 for checked luggage, with a combined maximum of $1,250 for checked and carry-on baggage per covered person . Note that there’s a total maximum limit of $10,000 for everyone on the trip combined.

As is often the case with credit card-provided insurance , you’ll need to use your Amex Platinum card to pay for the entire fare for this coverage to take effect. Remember that Pay With Points is covered under this, but not award ticket taxes and fees.

A handy benefit feature of this baggage insurance is that the primary cardholder, his or her spouse or domestic partner, and any dependent children (under 23) are all included. That means that if you’re on a family trip and something happens to everyone’s luggage, you’ll all be covered.

Hot Tip: Keep in mind that coverage applies to baggage during a trip on a common carrier, such as a plane, train, bus, ship, or other public modes of transportation. If something happens to your bags during a vacation (but not during your flights), then it won’t be covered.

Something to keep in mind is that the policy considers certain items to be “high-risk,” and caps coverage of these items at $1,000 per person for ultra-premium Amex cards and $250 per person for premium Amex cards . High-risk items include:

• Sporting equipment
• Cameras or photography gear
• Computers and electronics
• Precious metals
• Fur clothing

The insurance policy also excludes items like cash, travel documents, and certain medical items like eyeglasses, contact lenses, or prosthetic limbs. Just about everything else, though, should be covered.

The first step to file a claim is to reach out to the Amex claims processing department. Your best option is to call and have a customer service agent walk you through the process. The number is 800-645-9700 or collect from overseas at +1-303-273-6498.

Note that Amex baggage insurance coverage (like the car rental insurance) is secondary, in this case, to the common carrier’s coverage. That means that the policy will only pay after the carrier pays, so you’ll have to file a claim with the carrier first.

If that claim is denied, or if it doesn’t cover the full cost of your luggage and contents, then the Amex plan is applicable.

Bottom Line: The baggage insurance included with your Amex card can help cover the cost of lost or ruined clothing, personal items, and more. Remember that to make a claim, you’ll need to use the card to pay for your full fare.

As mentioned above, there are 2 tiers of lost, damaged, or stolen baggage insurance.

The first tier covers $2,000 for checked baggage, $3,000 for carry-on baggage, for a per-person total of $3,000 and a per-group total of $10,000. Lastly, there’s coverage of high-risk items of $1,000 per person.

Here are the Amex cards that offer this benefit:

The second tier covers $500 for checked baggage and $1,250 for carry-on baggage for a per-person total of $1,250 and a per-group total of $10,000. Lastly, there’s coverage of high-risk items of $250 per person.

Delayed Baggage Insurance

Delayed baggage insurance covers your baggage if your bags are late to arrive after a particular flight. Usually, it covers you on a per-day basis for reimbursement of essentials while your baggage is away from you.

While some cards offer delayed baggage insurance , there are no Amex cards that offer delayed baggage insurance.

Premium Global Assist and Global Assist

Premium Global Assist

The Premium Global Assist Hotline is a great feature that comes with several Amex cards, although the Amex Platinum card has the most extensive service.

You can call the Premium Global Assist Hotline any time you’re 100 miles or more away from home and need logistical help… big or small. This differs from the card’s concierge service , which is useful for things like shopping help, booking tickets, or getting restaurant recommendations and reservations.

It’s more for things like:

• Help replacing a lost passport
• Canceling lost credit cards
• Emergency translation/interpretation services
• Help finding a lost item
• Help dealing with lost luggage, including staying on top of the airline until it’s found
• Emergency legal or medical referrals
• Emergency medical evacuation/transportation
• Urgent message relay in the event you can’t get in touch with family or friends during an emergency

Hot Tip: You can reach the Premium Global Assist Hotline at 800-345-AMEX (2639) or collect (when calling from abroad) at +1-715-343-7979.

The hotline can also help with certain aspects of planning your trip (again, think “logistics,” not “entertainment”) such as:

• Customs and passport information , including figuring out what visas you’ll need and how to apply, or what you can and can’t bring into the country
• Cultural information, like questions about currency, tourist office locations, or even tipping etiquette
• Foreign exchange rates
• Recommendations for inoculations before traveling to certain regions
• Weather trends and forecasts

The medical assistance is particularly valuable should there ever be a situation requiring it, such as getting sick while in a foreign country where you don’t speak the language.

If you’re traveling and fall ill or become injured, and you’re somewhere where you can’t get adequate treatment, the Global Assist Hotline’s medical team can arrange and cover expenses for transportation to definitive care closer to home.

Hot Tip: Medical transportation costs arranged by the Global Assist Hotline are covered, but a ny costs you incur that were  not arranged through the hotline won’t be reimbursed . Make sure to call ASAP before making any arrangements on your own.

This benefit applies to the cardholder, spouse/domestic partner, and dependents up to 23 years old (or 26 if a full-time student), although any beneficiaries have to be traveling on the same itinerary as the cardholder. Pre-existing conditions are excluded.

Bottom Line: The Premium Global Assistance Hotline can be a real help whether you’re trying to figure out visa requirements or need to find a local doctor while traveling. If you need emergency medical transportation to a facility back home, the hotline can arrange it and cover all expenses. As always, be sure to read the terms.

Global Assist

The Global Assist Hotline can help with a few other, less-extreme medical needs as well, including prescription medication replacement (if you lose or forget medication) and physician or dentist referral.

If your wallet is lost or stolen, the hotline will provide certain financial assistance, including wiring emergency cash to you (which will be charged to your card account) or helping you check into or out of a hotel while you don’t have your card present.

In terms of legal support, the hotline can provide a referral to a local English-speaking lawyer, help connect you to bail bond agencies that accept American Express, and connect you with the nearest consulate or embassy.

The Global Assist Hotline doesn’t offer Emergency Medical Transportation Assistance and Repatriation of Mortal Remains.

Here are the cards that offer the Premium Global Assist Hotline as a benefit:

Here are the cards that offer the Global Assist Hotline as a benefit:

Many cards offered by American Express come with great travel insurance benefits. While the more premium (and expensive) cards offer more extensive benefits, even cards like the Amex EveryDay Card offer you valuable protection during your travels.

Note that American Express cards don’t include baggage delay coverage.

If you’re seeking additional coverage for your trip, like cancellation coverage or emergency medical insurance, American Express offers a stand-alone travel insurance product you can use to supplement what your card provides.

Additionally, plenty of third-party companies offer travel insurance. If you decide that what’s included with your card isn’t enough, you can always shop around for additional coverage. Having coverage with your card is a great benefit, though, since it means whatever policy you buy can be less extensive.

If you want to learn more about general travel insurance, check out our ultimate guides to buying the best travel insurance (for your situation) and when to buy travel insurance .

All information and content provided by Upgraded Points is intended as general information and for educational purposes only, and should not be interpreted as medical advice or legal advice. For more information, see our  Medical & Legal Disclaimers .

The information regarding the American Express Platinum Card ® for Schwab was independently collected by Upgraded Points and not provided nor reviewed by the issuer.

For the car rental loss and damage insurance benefit of the American Express ® Green Card, the car rental loss and damage insurance can provide coverage up to $50,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

The information regarding the Hilton Honors American Express Aspire Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer. The information regarding the American Express ® Green Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer. The information regarding the Business Green Rewards Card from American Express was independently collected by Upgraded Points and not provided nor reviewed by the issuer.

For rates and fees of The Platinum Card ® from American Express, click here . For rates and fees of The Business Platinum Card ® from American Express, click here . For rates and fees of Delta SkyMiles ® Reserve American Express Card, click here . For rates and fees for the Delta SkyMiles ® Reserve Business American Express Card, click here . For rates and fees of the Marriott Bonvoy Brilliant ® American Express ® card, click here . For rates and fees of the American Express ® Business Gold Card, click here . For rates and fees of the American Express ® Gold Card, click  here . For rates and fees of the Delta SkyMiles ® Platinum American Express Card, click here . For rates and fees of the Delta SkyMiles ® Platinum Business American Express Card, click here . For rates and fees of The Blue Business ® Plus Credit Card from American Express, click here . For rates and fees of the Blue Cash Everyday ® from American Express, click  here .

Frequently Asked Questions

What is american express travel insurance.

American Express travel insurance can refer to 2 separate things: travel insurance features that come for free with various American Express credit and charge cards, or a standalone travel insurance product sold by American Express.

Which American Express cards come with travel insurance?

The short answer: virtually all of them come with some form of benefit.

The longer answer: each card comes with different features and perks. Some cards, such as the Amex Platinum card, come with high-value baggage insurance, as well as coverage for expensive rental cars with personal injury features and emergency medical transportation coverage.

Other cards, like the Amex Everyday card, come with more limited travel insurance benefits. It’s important to read guides such as this one and check your terms and conditions to see exactly what benefits your credit or charge card includes.

Do I have to pay for the trip with my American Express card to get the travel insurance benefits?

In most cases, yes; paying the entire fare with your American Express card is required in order to activate coverage. There may be exceptions to this, but if you plan to rely on any travel insurance features included with your card, it’s best to use your card to pay for the trip.

What kinds of things does my American Express card's travel insurance cover?

Amex travel insurance features vary by card, but can include some or all of:

• Rental car insurance
• Baggage insurance
• Global assistance
• Emergency medical evacuation
• Physician/dentist referral

Does American Express travel insurance cover pre-existing conditions?

Most medical-related coverage offered by Amex travel insurance specifically excludes pre-existing conditions. If that’s something you’re worried about, you may wish to seek supplementary travel or medical coverage.

How does American Express travel insurance define a pre-existing condition?

According to Amex: “A pre-existing condition is any sickness, illness, or injury that has manifested itself, become acute, or was being treated in the 60-day period immediately prior to the start of a trip.”

Does American Express travel insurance cover issues related to pregnancy?

Yes, as long as you are not traveling against the advice of a physician. Be sure to check with your doctor before taking a trip.

Should I get separate travel insurance in addition to what comes with my card?

You should look into the specific benefit terms of your card when deciding whether you need additional coverage or not.

American Express offers a standalone travel insurance product that can be used to supplement the insurance that comes with your card. This could be a good option if you decide you do need additional coverage.

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Credit card travel protection benefits

When you pay for airfare with the best travel insurance credit cards , you can get automatic travel protection benefits at no extra charge. Chase and Amex offer fantastic features (while Citibank travel insurance is nonexistent, by the way).

Depending on the card, sometimes just paying the taxes and fees on an award flight will get you coverage. But the coverage you get can vary significantly by card. Enrollment required for select benefits.

Note: Amex stipulates that you must book with a “Common Carrier” to qualify for coverage. That just means you’ve booked an airline, a cruise ship, etc. You won’t be reimbursed if you book an under-the-table commute across Lake Okeechobee on your cousin’s fan boat.

Amex cards eligible for travel insurance

The best American Express cards are eligible for travel insurance. Here’s a table breaking down the most popular cards with the best coverage.

• The Platinum Card® from American Express
• The Business Platinum Card® from American Express (similar name but quite different from the regular Platinum card — read our Amex Business Platinum review )
• Delta SkyMiles® Reserve American Express Card
• Delta SkyMiles® Reserve Business American Express Card
• Marriott Bonvoy Brilliant™ American Express® Card
• Hilton Honors American Express Aspire Card

The information for the Hilton Aspire card has been collected independently by Million Mile Secrets. The card details on this page have not been reviewed or provided by the card issuer.

Here’s a list of the most popular cards with benefits a tier below the most premium cards:

• American Express® Gold Card
• American Express® Business Gold Card
• American Express® Green Card
• Business Green Rewards
• Delta SkyMiles® Platinum American Express Card
• Delta SkyMiles® Platinum Business American Express Card
• The Blue Business® Plus Credit Card from American Express

These cards don’t come with trip cancellation or interruption, and they have lower reimbursement caps for coverages like trip delay and baggage protection.

The Amex Platinum benefits are top of the food chain. Let’s get into the nitty-gritty.

Trip Interruption and Cancellation Insurance

With Amex Platinum Trip Cancellation Insurance, you’re are eligible for up to $10,000 per trip (with a maximum payout of $20,000 per 12-month period) for flight cancellations occurring due to a covered reason (such as inclement weather, jury duty, injury, illness, etc.). You must pay the full ticket with your card (award flight taxes and fees and Pay With Points tickets also eligible).

Trip Delay Insurance

If your trip is delayed more than six hours for a covered reason, you’ll get up to $500 for reasonable expenses (think meals, lodging, toiletries, etc.). Again, you must purchase your trip in full with your Amex Platinum — and paying taxes & fees on award flights or Pay With Points qualifies you for coverage.

Here are some examples of eligible reasons for which Amex will compensate you:

• Equipment failure (the plane wheels fall off, the engine won’t start, etc.)
• Inclement weather
• You lose your travel documents
• Your flight is hijacked

Note that this insurance is valid for round-trip flights only . However, the Amex Platinum benefits guide states:

The period of round-trip travel may consist of roundtrip, one-way, or combinations of roundtrip and one-way tickets with Common Carrier(s).

Rental Car Insurance

The Amex Platinum comes with secondary rental car insurance. That basically means that if your rental car is damaged or stolen, it’ll cover you for any expenses that remain after your personal insurance pays for everything that it covers. Or, if you purchased rental car insurance from the rental agency, Amex Platinum insurance will scoop up the remaining costs that it won’t cover.

However , you can enroll for free in the American Express Premium Car Rental Protection program , and that does offer primary rental car insurance. You’ll pay ~$25 (~$18 for California residents, ~$16 for Florida residents) per rental for up to 42 consecutive rental days (30 consecutive rental days for Washington State cardholders). If you’re renting for a few days, this is definitely worth purchasing.

Unless you’ve got any one of the best credit cards for car rentals . These come with primary rental car insurance for free.

Lost, Damaged, and Stolen Baggage Insurance

The Amex Platinum comes with various coverages in the event that your baggage is lost, stolen, or damaged by the common carrier:

• Up to $2,000 per person per trip for loss of checked baggage
• Up to $3,000 per person per trip for loss of carry-on baggage
• Up to $250 per person per trip for loss of high risk items (i.e. jewelry & electronics)
• Cap of $10,000 per trip for everyone on your itinerary.

High-risk items such as jewelry, electronic equipment, sports equipment, etc., are capped at $1,000 in total coverage. For things like cash, medical items, and contact lenses, you won’t be covered at all.

Delayed Baggage Insurance

Some cards will reimburse you in the event that your checked bags are delayed by more than six hours. If you arrive at your destination and your stuff doesn’t show up, you can go to the store and buy things to tide you over until your bag finally arrives (toiletries, clothes, and the like).

American Express completely ignores this fantastic feature. The Amex Platinum gives you none of this coverage. But read our post on the best credit card for baggage delay coverage to find a good one. This has saved me $500+ on a single trip in the past.

Premium Global Assist

 When you are at least 100 miles from home, you can call the Amex Platinum Premium Global Assist to help solve pretty much any hardship. For example:

• You can call for help finding a lost item — including luggage. Amex will pester the airline until you are satisfied
• You can tell Amex to contact a friend or family member during your trip if you can’t reach them yourself
• If you lose your wallet, you can tell Amex to cancel all your credit cards
• If you need emergency evacuation, Amex will arrange everything

Note that Amex may be able to cover your emergency expenses and transportation if you’re in an area with sub-par treatment.

Plus, if you’re in the trenches of your trip planning, they can help you iron out the tedious details. They’ll help you understand travel etiquette in the country you’re visiting, if there are any shots that are required/recommended, and tell you if you need any special visas for your trip. 

There are plenty of other things they can do, too. Their number is 1-800-345-2639.

FAQ: Things to consider with trip protection benefits

Because travel coverage is not the same across all cards, you’ll want to use the card that is best for your personal situation. Here are a few things that might factor into which card you use to pay for travel.

Will your airline elite status help if there’s a flight delay or cancellation?

Having airline elite status comes with perks that can help if you pay with a card like the Amex Platinum, which doesn’t have trip delay or cancellation insurance.

For example, some airlines offer passengers with elite status free same-day standby flights, so if your flight is delayed, you could switch to another flight without having to worry about filing a claim for a trip delay.

Similarly, if your flight is canceled, having elite status might give you a higher priority to get a seat on the next available flight. But consider if you’re traveling to a remote destination or region with unpredictable weather that it’s wise to pay with best travel insurance credit cards . If all flights are delayed or canceled, you could end up paying out of pocket for hotel rooms and necessary expenses. Having a card that gets you reimbursed is a great benefit.

Did you book an expensive cruise or tour?

Having trip interruption or cancellation insurance from a credit card can come in handy should you have to cancel an expensive trip for an eligible reason. For example, let’s say you pay for a family cruise to Alaska, but are unable to go due to a last-minute illness. If you paid with the Amex Platinum, it’s possible to get a refund for your trip up to a certain limit.

I recommend reading the terms and conditions of your card’s trip protection benefits before paying for a vacation. It’s important to know who is covered, the claims process, and the reasons you’re eligible to get a refund.

Do you have third-party travel insurance?

Many purchase travel insurance through a third-party company to cover trip delays, cancellations, and other unforeseen events. You can often bundle these coverages with a supplemental medical travel policy, which can be helpful if you’re traveling outside the U.S.

There are great resources on the web to research travel insurance policies . Keep in mind, travel insurance plans and coverage amounts can differ widely — but purchasing a third-party plan can be helpful for folks who don’t pay for a trip with a card that comes with these benefits.

Bottom line

When you pay for a trip with Amex Platinum, you’ll receive trip delay insurance, as well as trip cancellation and interruption. These insurances make the card even more enticing to use for your travel, as you’ll earn 5x Amex Membership Rewards points on airfare purchased directly from airlines or from Amex Travel . Read our post on the best ways to use Amex points to see why that’s such a big deal.

This isn’t even counting the other great perks that come with the card, like Amex purchase protection and a gigantic welcome bonus worth potentially thousands in travel. Line this card’s virtues against the wall and it’s easy to see why the American Express Platinu m card is worth it .

Have you used any of the Amex Platinum travel insurance? I’d love to hear about your experience in the comments. And subscribe to our newsletter for more credit card travel techniques.

For rates and fees of the Amex Platinum, click here.

Joseph Hostetler

Joseph Hostetler is a full-time writer for Million Mile Secrets, covering miles and points tips and tricks, as well as helpful travel-related news and deals. He has also authored and edited for The Points Guy.

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Credit Card Trip Delay Insurance: The Ultimate Guide

G oing to some far off destination and seeing new cultures is one of life's great joys. But the physical act of getting to your destination is often a test of your patience and sanity. From flight delays to long lines to oversold flights, airports are filled with inconveniences for travelers. And while there is little you can do to make the airport experience less unpleasant, there is a way to fight back when the inevitable happens: trip delay insurance.

This indispensable tool will, in the right circumstances, save you hundreds of dollars and could mean the difference between being stuck in an airport for a flight delay or being able to wait it out in the comfort of a hotel. In this guide, we'll tell you everything you need to know about trip delay insurance, how it works, how to know if your credit card offers it and how it can help you.

What Is Credit Card Trip Delay Insurance?

Trip delay insurance will reimburse any eligible expenses you incur as a result of your trip being delayed. This can be an essential tool for one simple reason: If you travel enough, you are more than likely to experience a delay. A flight could be late causing you to miss a transfer, long airport security lines could result in not making it to the gate for your flight on time or a railway strike could mean your train isn't running. There are innumerable ways your travel plans can be derailed"if you'll excuse the pun"but no matter the reason, if your travel plans are stalled your insurance will be there to refund your additional costs.

How Does Credit Card Trip Delay Insurance Work?

Many credit card issuers offer some version of trip delay insurance. There are some variations across different issuers, but a few things are consistent. If you make a travel purchase with your credit card and are delayed more than a certain amount of time, you are eligible to have expenses incurred as a result of this delay refunded, up to a set amount. This could be for a hotel, food or anything that could reasonably be called a necessary expense during the time you are stalled. There are restrictions which vary by issuer, but in general, you can expect to have your travel delay expenses refunded , usually within 90 days.

What To Do If You Need to Make a Credit Card Trip Delay Claim

If you are delayed, your first step is to collect the necessary documentation to make your claim. Virtually all travel delay insurance claims will require an itemized list of expenses, so remember to save any receipts from your delay, as well as the receipt for your delayed travel, such as your plane or other transportation ticket, showing that it was purchased with the credit card you are filing a claim with.

Most important, you'll need proof of delay from whatever company you are traveling with. Most airlines will provide this in the form of an email informing you of updated travel times. But in case you are not provided with this, be sure to contact the airline, or train line, bus company, etc. to get written proof including the reason for the delay. Also, while most issuers will give you a window to make your claim, usually around 30 days, it's better to get the process started sooner rather than later. The sooner you make your claim, the sooner you get your money back.

Once you have your info collected, you have a few options. First, you can contact your credit card issuer by calling the number on the back of your card. When you call, you will be directed to the proper department to make your claim, at which point you will have to provide all necessary documentation. They will send you a claim form, which you will fill out and return. Once this is received and approved, your claim will be processed.

Alternatively, you can file your claim online. The process will be largely the same, except done through your issuer's website. This is typically the better option, as processing times are significantly faster and you don't have to deal with long hold times and automated voice prompts.

Differences in Trip Delay Insurance Among Issuers

As mentioned above, there are slight differences between the insurance programs of different issuers. Below are a few of the major variations:

American Express

Amex has a number of credit cards offering trip delay insurance. Depending on the card, the exact terms of your insurance policy vary. For example:

• The Platinum Card® from American Express : 'If a round-trip is paid for entirely with your Eligible Card and a covered reason delays your trip more than 6 hours, Trip Delay Insurance can help reimburse certain additional expenses purchased with your same Eligible Card, up to $500 per trip, maximum 2 claims per Eligible Card per 12 consecutive month period.' Terms apply.¹
• The American Express® Gold Card : Coverage is provided that reimburses an Eligible Traveler for reasonable additional expenses (including but not limited to meals, lodging, toiletries, medication, and other personal use items) incurred for a Covered Trip that is delayed more than twelve (12) hours, if the Covered Trip delay is caused by a Covered Loss. $300 per Covered Trip; and 2 claims per Eligible Card per 12 consecutive month period.
• The American Express® Green Card * : The delay must be 12 hours or greater, and you can be refunded up to $300 per trip. Terms apply.²
• The Delta SkyMiles® Reserve Business American Express Card : If a round-trip is paid for entirely with your Eligible Card and a covered reason delays your trip more than 6 hours, Trip Delay Insurance can help reimburse certain additional expenses purchased on the same Eligible Card, up to $500 per trip, maximum 2 claims per Eligible Card per 12 consecutive month period. Terms apply.¹
• The Hilton Honors Aspire Card from American Express * : Coverage is provided that reimburses an Eligible Traveler for reasonable additional expenses (including but not limited to meals, lodging, toiletries, medication, and other personal use items) incurred for a Covered Trip that is delayed more than six (6) hours, if the Covered Trip delay is caused by a Covered Loss. $500 per Covered Trip; and 2 claims per Eligible Card per 12 consecutive month period.
• The Marriott Bonvoy Brilliant® American Express® Card : If a round-trip is paid for entirely with your Eligible Card and a covered reason delays your trip more than 6 hours, Trip Delay Insurance can help reimburse certain additional expenses purchased with your same Eligible Card, up to $500 per trip, maximum 2 claims per Eligible Card per 12 consecutive month period. Terms apply.¹

Best practice is to review your card's specific terms and conditions to see what rules apply to your card.

Bank of America

Some, but not all, Bank of America cards offer trip delay insurance. For example:

• The Bank of America® Premium Rewards® credit card : Provides up to $500 per ticket purchased for you and your eligible family members for reasonable expenses if a covered trip is delayed (due to a covered hazard) for more than 12 hours.
• The Bank of America® Premium Rewards® Elite credit card * : Provides coverage up to $500 per ticket purchased for you and eligible family members, for reasonable expenses incurred when a trip is delayed (due to a covered hazard) for more than 6 hours or requires an overnight stay.

Again, best practice is to check your specific card's terms and conditions to verify what policy applies to you.

Capital One

• Capital One Venture X Rewards Credit Card : Trip Delay Reimbursement covers up to a maximum of $500.00 for each purchased ticket, for reasonable additional expenses incurred when a covered trip you purchased with Your eligible account and/or rewards program associated with your covered account is delayed for more than six hours or requires an overnight stay. The benefit is limited to one claim per covered trip. To be eligible for this coverage, you need to purchase either a portion or the entire cost of your common carrier fare using your account.³

Some Chase cards, independent of any Visa or Mastercard benefits, offer trip delay insurance. These include:

• Chase Sapphire Preferred® Card : If your common carrier travel is delayed more than 12 hours or requires an overnight stay, you and your family are covered for unreimbursed expenses, such as meals and lodging, up to $500 per ticket.
• Chase Sapphire Reserve® : If your common carrier travel is delayed more than six hours or requires an overnight stay, you and your family are covered for unreimbursed expenses, such as meals and lodging, up to $500 per ticket.
• Marriott Bonvoy Bold® Credit Card * & Marriott Bonvoy Boundless® Credit Card * : If your common carrier travel is delayed more than 12 hours or requires an overnight stay, you and your family are covered for unreimbursed expenses, such as meals and lodging, up to $500 per ticket.
• United℠ Explorer Card , United℠ Business Card , United Club℠ Infinite Card & United Quest℠ Card : If your common carrier travel is delayed more than 12 hours or requires an overnight stay, you and your family are covered for unreimbursed expenses, such as meals and lodging, up to $500 per ticket.
• The World of Hyatt Credit Card * : If your common carrier travel is delayed more than 12 hours or requires an overnight stay, you and your family are covered for unreimbursed expenses, such as meals and lodging, up to $500 per ticket.

Currently, Discover does not offer travel insurance. They do offer flight accident insurance, but this benefit is much more niche and not all Discover cards offer this perk. Frankly, this perk is far less useful than delay insurance, and if you have to use it, you have much bigger problems than a missed flight.

Mastercard doesn't have a standardized delay insurance policy like Visa, but some World Elite Mastercards do offer it through the individual issuing bank. Check your card's terms and service to see what policies apply to your card.

• U.S. Bank Altitude® Reserve Visa Infinite® Card * : Trip Delay Reimbursement covers up to a maximum of $500 for each purchased ticket, for reasonable additional expenses incurred when a covered trip you purchased with your eligible account and/or rewards program associated with your covered account is delayed for more than six hours or requires an overnight stay. The benefit is limited to one claim per covered trip.

Visa offers trip delay insurance to all Infinite cardholders, which covers a wide array of credit cards from a number of issuers. Visa's policy states that, so long as conditions are met, you will receive a: 'One-time per ticket/trip coverage that will reimburse you for reasonable additional expenses incurred when a trip you've purchased entirely with your eligible Visa Infinite card is delayed for more than six hours or requires an overnight stay. The benefit covers up to a maximum of $500.00 per ticket'. The coverage includes your spouse and children under 22, so keep that in mind if traveling with older people. It should also be noted that this coverage will not apply if you were notified of the delay prior to your scheduled travel time.

What To Do After Making Your Credit Card Trip Delay Claim

Truthfully, there's not much to do once your claim is filed, other than waiting for it to be processed and waiting is never easy. If you wish, you can call your issuer to inquire as to the status of your refund, but this is known to have mixed results. In general, most refunds are processed within 90 days. If three months have passed and you have not received your refund, it may be wise to reach out to your issuer. Be polite, but persistent and know that as long as your documentation is in order, your refund will come eventually.

Bottom Line

Travel delays are never fun, but if you have delay insurance, it can turn an otherwise unpleasant situation into an unexpected mini vacation. Stuck overnight in some random city? With a credit card that has trip delay insurance you get comfortable in a hotel room and order up some room service, and know you'll be reimbursed by your credit card company. That might make your unexpected detour a little less unpleasant.

¹Up to $500 per Covered Trip that is delayed for more than 6 hours; and 2 claims per Eligible Card per 12 consecutive month period. Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

²Up to $300 per Covered Trip that is delayed for more than 12 hours; and 2 claims per Eligible Card per 12 consecutive month period. Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

³For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.

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How credit cards can help you cope with travel troubles

“Revenge travel” has been a big theme the past couple of years as Americans have been raring to go here, there and everywhere after hunkering down during the COVID-19 pandemic. As a result, the Transportation Security Administration screened a record-high 858.5 million passengers in 2023.

But it hasn’t been a smooth ride for travelers. In fact, if you flew in 2022 or 2023, there was a one-in-five chance your flight was delayed, according to the Bureau of Transportation Statistics .

Cancellations were an especially big problem in 2022, when the airline industry had a tough time ramping back up after the pandemic. That year, 2.7 percent of flights were scrapped entirely, often due to staffing and/or equipment shortages. Last year, however, the cancellation rate was a mere 1.3 percent. Higher prices — not cancellations or delays — were travelers’ biggest concern last summer and last holiday season , according to Bankrate research.

Still, there can be hidden costs associated with delays, cancellations and other travel snafus. For instance, my family flew from New Jersey to California last month, and both of our flights were delayed about two hours. With two young kids in tow, our nerves were strained more than our wallets, though we still ended up spending a bit extra on food (which isn’t cheap when even a basic airport sandwich seems to cost at least $15).

I’ve had a few other travel experiences in recent years which made me wish I had paid with a credit card with strong travel insurance benefits . These perks wouldn’t have kicked in for my two-hour delay, but they definitely could have helped me out the time my flight from Chicago to New York was diverted to Virginia in the middle of the night and the airline basically just left us there. Or the two times in 2022 when airlines canceled our flights the night before they were scheduled to leave (seemingly due to operational issues) and couldn’t rebook us for several days — or when I came down with COVID and had to cancel a trip last fall.

Credit cards with strong travel insurance benefits

Not all travel insurance benefits cover the same situations, but here are a few of the most common credit card travel insurance policy perks:

Trip delay reimbursement

Trip cancellation or interruption insurance

Baggage delay protection

Lost or damaged baggage protection

Medical evaluation

Travel accident insurance

Auto rental collision insurance

The Chase Sapphire PreferredⓇ Card is a great example. For a fairly modest $95 annual fee, it offers a lot of travel insurance (among other perks). In my estimation, its trip cancellation/interruption benefit (up to $10,000 per person and $20,000 per trip) should have applied to both of my 2022 flight cancellations. I ended up getting those refunded by the airlines and booked new flights on different carriers (since the original carriers couldn’t accommodate us until nearly a week later), but that cost extra.

If I had paid for my original airline tickets with this card, I believe that Chase would have reimbursed me for the difference between my canceled flights and my new bookings (although I would have had to request that refund through a claims administrator). But there’s a chance my request would not have been approved, perhaps if the company argued I should have taken the airline up on its offer to fly a few days later, rather than rebooking myself more immediately at a higher cost on a different airline.

These programs aren’t always easy to navigate; a coworker needed to be very persistent and had to submit several rounds of documentation to win a reimbursement claim involving the Chase Sapphire ReserveⓇ and a trip disrupted by a hurricane. I wish it were easier to utilize, but this coverage can still be very valuable.

For a heftier annual fee ($550), the Sapphire Reserve offers better trip delay insurance, triggering after six hours or an overnight delay, while the Sapphire Preferred triggers after 12 hours or an overnight delay. Both the Sapphire Preferred and the Sapphire Reserve offer the same primary rental car insurance, trip delay insurance (up to $500 per ticket), delayed baggage insurance, emergency medical coverage and more.

Both cards would have been useful the time I got stranded in Virginia (I ended up renting a car and driving about five hours to get home; my company paid for that since it was a business trip, but if it had been a personal trip, I likely could have gotten a reimbursement from a travel card with good trip cancellation/interruption protections).

The Platinum CardⓇ from American Express and the Capital One Venture X Rewards Credit Card also made our list of the best credit cards for travel insurance .

It’s also worth asking what the airline, hotel or rental car agency can do for you if you need to cancel. I lost out on a prepaid rental reservation in 2020 when I was afraid to travel in the early days of the pandemic. But in 2023, when I had COVID and needed to cancel a hotel stay, the hotel generously refunded my supposedly non-refundable reservation. Perhaps it made a difference that I was actually sick that time instead of worried about potentially getting sick, but it never hurts to ask.

The bottom line

Many airlines and hotel chains have relaxed their change and cancellation policies in recent years. So if you do encounter an unexpected issue, it’s a good rule of thumb to start with the travel supplier, and then pull in your credit card company as a backup.

For this reason, I think it only makes sense to pay for travel insurance if you have a particularly complicated or expensive itinerary (especially an international trip). Often, that coverage is comparable to what you may already qualify for between your credit cards and the travel suppliers’ policies.

Paying with a credit card that has strong travel insurance benefits can provide additional assistance without adding to the cost.

Have a question about credit cards? E-mail me at [email protected] and I’d be happy to help.

For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.

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Is the Delta SkyMiles® Platinum Business Card worth it? Here’s how to decide

Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.  

For those Delta flying business owners who don’t fly often enough to earn status but could use some benefits like saving on checked bags, a few statement credits and even a companion certificate good for economy class flights, The Delta SkyMiles® Platinum Business American Express Card offers solid benefits so long as they’re not too in love with the idea of accessing lounges, as this card won’t help with that.

Delta SkyMiles® Platinum Business American Express Card

See Rates and Fees

Intro Bonus

Reward rates.

• 3x Earn 3 miles per $1 spent on eligible purchases made directly with Delta and on every eligible dollar spent on purchases made directly with Delta and hotels
• 1.5x Earn 1.5 miles per $1 on single eligible purchases of $5,000 or more (up to 50,000 additional miles per calendar year).
• 1x Earn 1 mile for each dollar of eligible purchases.
• Benefits for Delta flyers, like first checked bag free, MQD Boost and MQD earned through spending
• Companion certificate good for a round trip domestic, Caribbean or Central American Main Cabin flight each year upon renewal of your card
• Credits for Resy dining, selected rideshare and Delta Stays
• High annual fee
• Credits are doled out in increments and are hard to redeem
• Base earnings rate is low compared to other cards
• 15% discount on Delta award flights
• Travel protections including accident insurance, rental car coverage, trip cancellation and delay insurance
• Consumer protections including cell phone insurance, extended warranty, purchase and return protection

For whom is the Delta SkyMiles® Platinum Business American Express Card worth It?

Applying for a credit card is no small decision, and it’s always a best practice to look at its perks to see if you would be able to get something out of it. These are some of the broad categories of people who can benefit from getting the Delta SkyMiles Platinum Business Amex .

Flyers with checked luggage

People who regularly check luggage when they fly should consider whether this credit card can help them save some money on their travels. The card comes with a first checked bag fee waiver for themselves and up to eight other passengers in the same reservation. At $60 per round-trip flight, it’s not hard to see how the savings quickly add up. It would only take six round trips a year traveling solo to more than make up the cost of the annual fee in checked bag charges.

Businesses with purchases over $5,000

Business owners who tend to make purchases of over $5,000 regularly will see that their Delta SkyMiles accounts balances grow faster, as those purchases earn 1.5X miles instead of the normal 1X, helping them get closer to their next award trip redemption.

Delta travelers without status

Flyers who find themselves inside Delta flights regularly but not often enough to earn status will find this card helpful thanks to some of the Delta specific perks as well as savings. Checking a bag won’t be a problem as the card will waive that fee, and they may enjoy priority boarding and potentially being upgraded – all of which are normally reserved to those who hold status with the airline.

For whom is the Delta SkyMiles® Platinum Business American Express Card not worth it?

The potential earnings from this credit card aren’t truly exciting—a different card for earning airline miles may be a better choice if rewards are your primary focus—so you would have to look past that to determine whether you can make this card work for you. These are a few groups of people who will likely struggle to get much out of this card.

Travelers who wants lounge access

For those who would like to enjoy some peace and quiet before embarking on their next trip, or handle a few business calls in a slightly more private setting or just get a few snacks and drinks at the lounge, this card will unfortunately not help with any of that, as the Delta SkyMiles® Platinum Business—unlike the non co-branded Business Platinum Card from American Express version —confers no access to lounges whatsoever.

Free agents

Those who see themselves as free agents and have no loyalty to a specific airline beyond their price will see almost no value in choosing a Delta branded credit card with an annual fee. Most of the benefits this card extends its cardholders are Delta specific, from checked baggage fee waivers, to priority boarding and complimentary upgrades and even the Delta Stays credit and Medallion qualification dollars boost and head start. If none of that is appealing, you’ll probably be better served by a credit card that earns transferable points and doesn’t corner you into flying with the same airline every time.

Solo flyers

One of the best and most valuable benefits of this card beyond the savings from checked bags is the companion certificate it comes with. It allows you to get a ticket to fly in the main cabin for domestic, Caribbean or Central American destinations round trip each year after renewal of your card by just paying no more than $80 for domestic itineraries and $250 for international ones. 

While this is a great benefit, potentially helping you save hundreds of dollars on the companion ticket, you’re only able to realize its value if you have a companion in mind that you’d like to use it with.

Additionally, since this card’s checked bag fee waiver applies to up to nine people on the same reservation, its ability to save you money grows higher the more people you tend to travel with.

How to Maximize Rewards with the Delta SkyMiles® Platinum Business American Express Card

To get you closer to enjoying your hard earned miles, cardholders getting this card earns a welcome bonus of 65,000 Bonus Miles after spending $6,000 in purchases on your new card in your first 6 months of card membership.

Another good way to maximize your points is making sure you’re using your card for every purchase, but especially for those bonus categories, as they’ll help you earn more Delta SkyMiles faster. Every dollar you spend directly with Delta or hotels earns 3X, every dollar up to $100,000 in combined purchases per year on transit (including rideshares and taxi cabs), U.S. shipping providers and single eligible purchases of over $5,000 dollars earn 1.5X, helping you inch closer to those redemptions.

The takeaway

Delta Air Lines flyers who want to enjoy middle-of-the-road benefits and some savings on their way to earning status can find this card to be an interesting value proposition. Perks like your first checked bag for free, a companion certificate, and a few statement credits help sweeten the deal. But, if you find the statement credits hard to take advantage of or don’t want to be cornered into flying Delta all the time, this card may not be right for you.

This is likely also not the right card for you if you’re solely looking for a card for personal rather than business expenses. In that case, check out the consumer cards on our list of best credit cards for flying Delta instead.

Frequently Asked Questions

Can i earn status with spend on the delta skymiles® platinum business american express card.

You will not automatically be granted status with the Delta SkyMiles® Platinum Business Card, but it does help you get part of the way by giving you $2,500 Medallion qualification dollars per year as a head start, as well as helping you earn $1 Medallion qualification dollar for every $20 in purchases you spend with this credit card.

Can I transfer Delta SkyMiles to other airlines’ loyalty programs?

Just like mileage from most airline loyalty programs, Delta SkyMiles cannot be transferred to other airlines, but the good news is that you can actually use your SkyMiles to book award flights on a whole host of SkyTeam partners to get just about anywhere in the world. 

Does the Delta SkyMiles® Platinum Business American Express Card come with lounge access?

The Delta SkyMiles® Platinum Business Card does not offer lounge access privileges. If you would like access to either the Delta Sky Club, the Centurion Lounges or Priority Pass network, the Delta SkyMiles® Reserve Business Card will be the only Delta credit card that will get you into a lounge.

Please note that card details are accurate as of the publish date, but are subject to change at any time at the discretion of the issuer. Please contact the card issuer to verify rates, fees, and benefits before applying.  

Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefits guide for more details. Underwritten by Amex Assurance Company.  

EDITORIAL DISCLOSURE : The advice, opinions, or rankings contained in this article are solely those of the Fortune Recommends ™ editorial team. This content has not been reviewed or endorsed by any of our affiliate partners or other third parties.

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Comparing travel protections with the Chase Sapphire Reserve and Amex Platinum

The Chase Sapphire Reserve and The Platinum Card® from American Express are two of the most popular travel rewards cards . After all, both cards offer valuable transferable rewards , lounge access and the ability to receive elite-like perks when booking hotels through Amex's Fine Hotels & Resorts program and Chase's Luxury Hotel & Resort Collection .

Like many of the top rewards cards , the Chase Sapphire Reserve and Amex Platinum Card also provide travel insurance when you use your card to book travel. In particular, these two premium travel rewards cards offer an excellent combination of trip insurance and bonus earnings on select travel purchases. So, in this guide, let's compare the travel insurance provided by these two cards.

Overview of the travel insurance provided by these cards

* Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for details. Policies are underwritten by New Hampshire Insurance Company, an AIG Company. ^ Eligibility and benefit level varies by card. Not all vehicle types or rentals are covered, and geographic restrictions apply. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for details. Policies are underwritten by AMEX Assurance Company. Coverage is offered through American Express Travel Related Services Company, Inc. # Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for details. If approved and coordinated by Premium Global Assist Hotline, emergency medical transportation assistance may be provided at no cost. In any other circumstance, cardmembers are responsible for the costs charged by third-party service providers. † Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for details. Policies are underwritten by AMEX Assurance Company.

As you can see in the table above, the Amex Platinum doesn't provide baggage delay insurance , emergency medical and dental benefits , roadside assistance or travel accident insurance . For brevity, I won't discuss the types of insurance the Amex Platinum doesn't provide any further in this guide.

Instead, I'll compare the protections head-to-head for the types of insurance provided by both cards. You can find the guide to benefits for both cards as follows:

• Chase Sapphire Reserve benefits guide
• Amex Platinum benefits guide

And to learn more about both cards, check out our Chase Sapphire Reserve credit card review and Amex Platinum card review .

Related: Amex Platinum vs. Chase Sapphire Reserve: Which card is right for you?

Trip delay insurance

Trip delay insurance may provide reimbursement for reasonable expenses during a delay when traveling on a common carrier. Here's a comparison of the Chase Sapphire Reserve 's and Amex Platinum Card 's trip delay insurance.

*Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for details. Policies are underwritten by New Hampshire Insurance Company, an AIG Company.

As you may gather from the above table, the primary differences in trip delay coverage are:

• The Amex Platinum requires round-trip travel, which you must buy with your card (in whole or combination with other eligible methods).
• The Amex Platinum doesn't cover overnight delays that are less than six hours.
• The Amex Platinum caps your claims to two per 12-month period.
• The Amex Platinum covers traveling companions as long as you pay for their round-trip common carrier fares with your card.
• The Chase Sapphire Reserve explicitly covers delays due to strikes, while the Amex Platinum explicitly covers delays due to lost or stolen passports or travel documents.

Related: Chase paid for my $1,100-per-night hotel room thanks to built-in trip delay coverage

Trip cancellation/interruption insurance

Trip cancellation and interruption insurance may provide reimbursement for nonrefundable, prepaid trip expenses when you must cancel or alter a trip due to a covered situation. In some cases, you may be covered for additional expenses. Here's a comparison of the Chase Sapphire Reserve 's and Amex Platinum Card 's trip cancellation and interruption insurance:

* Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for details. Policies are underwritten by New Hampshire Insurance Company, an AIG Company.

As you can see in the above table and the related benefits guides, the primary differences in trip cancellation and trip interruption coverage are:

• The Amex Platinum requires round-trip travel , paid with your card (in whole or in combination with other eligible methods). Only travel expenses put on the card used for round-trip common carrier travel will be covered.
• The Amex Platinum may cover the cost to return home or rejoin the trip if your trip is interrupted.
• The Chase Sapphire Reserve may reimburse redeposit fees imposed by a rewards program if your trip is canceled or interrupted, as well as change fees and car positioning fees if your trip is interrupted.
• The Chase Sapphire Reserve covers more types of losses, including if your accommodation at your destination is made uninhabitable or your host at your destination dies or is hospitalized.
• The Amex Platinum excludes losses related to mental or emotional disorders unless hospitalized. The Amex Platinum also excludes losses that occur when you're intoxicated. The Chase Sapphire Reserve excludes any loss for any trip booked while on a waiting list for specified medical treatment.

Check out American Express' trip cancellation and interruption insurance coronavirus frequently asked questions if you're wondering whether the Amex Platinum's insurance will cover coronavirus -related cancellations or interruptions.

Related: Be careful: Avoiding outbreaks isn't covered by most travel insurance

Auto rental collision damage waiver

The collision damage waiver offered by both cards can cover your rental car if you're in an accident or if it's stolen or damaged. Here's a comparison of the Chase Sapphire Reserve 's and Amex Platinum Card 's rental car insurance.

^ Eligibility and benefit level varies by card. Not all vehicle types or rentals are covered, and geographic restrictions apply. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for details. Policies are underwritten by AMEX Assurance Company. Coverage is offered through American Express Travel Related Services Company, Inc.

As you can see in the above table and the related guide to benefits, the primary differences in car rental collision damage protection are:

• The Chase Sapphire Reserve covers more types of vehicles.
• The Chase Sapphire Reserve provides primary coverage.
• The Chase Sapphire Reserve doesn't have country exclusions.
• The Amex Platinum offers coverage to spouses when payment is made with an eligible card.
• While the Amex Platinum coverage specifically mentions peer-to-peer rentals, it's unlikely your Sapphire Reserve would cover Turo rentals .

If you'd prefer to get primary coverage for rental cars when using American Express cards , you can enroll in American Express' Premium Car Rental protection .

Related: 11 common rental car mistakes — and how to avoid them

Emergency evacuation and transportation insurance

The emergency evacuation and transportation insurance provided by these cards can arrange and pay for necessary emergency medical transport and evacuation under eligible circumstances. Here's a comparison of the Chase Sapphire Reserve 's and Amex Platinum Card 's emergency evacuation and transportation insurance.

# Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for details. If approved and coordinated by Premium Global Assist Hotline, emergency medical transportation assistance may be provided at no cost. In any other circumstance, cardmembers are responsible for the costs charged by third-party service providers.

As you can see in the above table and the related guide to benefits, the primary differences in the emergency medical evaluation benefit are:

• You're covered by the Amex Platinum even if you use another card to purchase your common carrier fare, whereas you must at least partially pay with the Chase Sapphire Reserve or associated rewards to be covered.
• The Chase Sapphire Reserve has stricter requirements for trip length.
• Both cards offer additional benefits that can bring a family member to your side or return now-unaccompanied minors home.

Related: A Medjet medical transport membership is different than travel insurance. Here's why you need both

Lost luggage reimbursement

The lost luggage benefit offered by both cards may reimburse you if your baggage is lost, damaged or stolen during a trip. Here's a comparison of the lost luggage reimbursement provided by the Chase Sapphire Reserve and Amex Platinum Card .

† Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for details. Policies are underwritten by AMEX Assurance Company.

As you can see in the above table and the related guide to benefits, the primary differences in lost luggage reimbursement are:

• The Amex Platinum explicitly notes that losses due to confiscation by TSA aren't excluded.
• The Chase Sapphire Reserve covers a broader selection of family members when you pay for their ticket using your card.
• The cards exclude different types of items and types of loss.

Related: Everything you need to know about Amex's baggage insurance plan

When should I use the Chase Sapphire Reserve vs. the Amex Platinum?

The Platinum Card from American Express earns 5 Amex Membership Rewards points per dollar spent on flights booked directly with airlines or with American Express Travel (on up to $500,000 of these purchases per calendar year, then 1 point per dollar) for an approximate 10% return based on TPG's valuations . The Chase Sapphire Reserve earns 10 Chase Ultimate Rewards points per dollar on hotels and rental cars purchased through the Chase Travel portal , 5 points per dollar on flights booked through this portal, 10 points per dollar on Lyft rides through March 2025 and 3 points per dollar on all other travel (bonus points earning comes into effect after exhausting the $300 annual travel credit ).

The Sapphire Reserve has an annual fee of $550 while the Amex Platinum Card has a $695 annual fee (see rates and fees ).

Related: Amex Membership Rewards vs. Chase Ultimate Rewards: Which is the best?

Despite the earning gap (which can sway one way or the other, depending on how you book your flights), you may want to use the Chase Sapphire Reserve when booking some common carrier travel. I recommend checking out the guide to both cards' benefits and considering which card is best for your travel expenses. To help, here are some reasons to consider each card.

Reasons to use the Chase Sapphire Reserve

• Offers a baggage delay benefit , an emergency medical and dental benefit, and roadside assistance up to $50 up to four times a year.
• Only a portion of your travel expenses must be charged to your card to unlock most benefits (whereas the Amex Platinum generally only provides benefits when you charge the entire common carrier fare to your card).
• No requirement for round-trip travel.
• Provides trip delay benefits if you're delayed overnight for less than six hours.
• Provides primary car rental coverage.
• Offers travel accident insurance (although the Amex Platinum provides some travel accident insurance on car rentals).
• Includes strikes as an eligible reason for trip delay insurance.
• May reimburse redeposit fees imposed by a rewards program under trip cancellation/interruption insurance .

OFFICIAL APPLICATION LINK: Chase Sapphire Reserve

Reasons to use the Amex Platinum

• Provides an emergency medical evacuation benefit to cardmembers regardless of whether you charged any trip expenses to the card.
• Covers traveling companions for trip delay insurance and trip cancellation/interruption insurance when you purchase their round-trip fare with your card.
• May reimburse additional transportation expenses to rejoin the common carrier covered trip or return to the place of origin; also may cover the purchase of tickets for a new departure, under trip interruption insurance.
• Includes lost or stolen passports or travel documents as an eligible reason for trip delay insurance.
• Has a higher cap on high-value items for lost, damaged or stolen baggage.
• Some readers have found the claim process to be more straightforward and simple.

OFFICIAL APPLICATION LINK: The Platinum Card from American Express

Bottom line

Some travelers who have both cards put their flights on the Amex Platinum to earn 5 points per dollar and put other travel expenses on the Chase Sapphire Reserve to earn 3 points per dollar and activate their trip cancellation and interruption protections.

You might want to keep the Amex Platinum primarily for Centurion Lounge access , hotel elite status and access to Amex Fine Hotels & Resorts , as well as nearly $1,500 in annual credits available to cardmembers.

However, you might want to avoid booking flights with the Amex Platinum because of the round-trip requirement and the lack of baggage delay protection . Instead, you'd prefer to use the Chase Sapphire Reserve for common carrier fares and other travel expenses .

Additional reporting by Ryan Smith.

For rates and fees of the Amex Platinum card, click here .

• Nationwide Travel Insurance
• AXA Assistance USA
• Seven Corners Travel Insurance
• HTH Worldwide Travel Insurance
• World Nomads Travel Insurance

Cruise Travel Insurance Tips

• Why You Should Trust Us

Best Cruise Insurance Companies of April 2024

Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate insurance products to write unbiased product reviews.

A cruise vacation can take much of the stress out of planning a vacation. With a pre-set itinerary on the high seas, you don't have to worry about how you're getting to your destination and what you're going to do there. However, an unexpected emergency can take the wind out of your sails and money out of your travel budget. So you'll want to ensure you have the best travel insurance coverage that won't leave you high and dry in an emergency.

Best Cruise Insurance Companies

• Nationwide Travel Insurance : Best Overall
• AXA Assistance USA : Best for Affordability
• Seven Corners Travel Insurance : Best for Seniors
• HTH Worldwide Travel Insurance : Best for Expensive Trips
• World Nomads Travel Insurance : Best for Exotic Locations

Compare the Top Cruise Insurance Offers

• Trip cancellation coverage of up to 100% of trip costs (for cruises) or up to $30,000 (for single-trip plans)
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Three cruise-specific plans to choose from
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Annual travel insurance plans available
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Strong trip cancellation coverage
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Cancel for any reason coverage available
• con icon Two crossed lines that form an 'X'. CFAR insurance not available with every single plan
• con icon Two crossed lines that form an 'X'. Medical coverage is lower than what some competitors offer

Nationwide Travel Insurance offers many of the standard benefits you might see with a travel insurance policy. This can include things like trip cancellation coverage, so you can recover pre-paid costs or trip interruption in the event your vacation is interrupted by an unexpected event. There's also baggage delay coverage and medical coverage.

• Cancel for any reason coverage available

• Trip cancellation coverage of up to 100% of the trip cost
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Generous medical evacuation coverage
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Up to $1,500 per person coverage for missed connections on cruises and tours
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Covers loss of ski, sports and golf equipment
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Generous baggage delay, loss and trip delay coverage ceilings per person
• con icon Two crossed lines that form an 'X'. Cancel for any reason (CFAR) coverage only available for most expensive Platinum plan
• con icon Two crossed lines that form an 'X'. CFAR coverage ceiling only reaches $50,000 maximum despite going up to 75%

AXA Assistance USA keeps travel insurance simple with gold, silver, and platinum plans. Emergency medical and CFAR are a couple of the options you can expect. Read on to learn more about AXA.

• Silver, Gold, and Platinum plans available
• Trip interruption coverage of up to 150% of the trip cost
• Emergency medical coverage of up to $250,000

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Diverse coverage options such as CFAR, optional sports equipment coverage, etc.
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Available in all 50 states
• con icon Two crossed lines that form an 'X'. Prices are higher than many competitors
• con icon Two crossed lines that form an 'X'. Reviews around claims processing are mixed
• Trip cancellation insurance of up to 100% of the trip cost
• Trip interruption insurance of up to 150% of the trip cost
• Cancel for any reason (CFAR) insurance available

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Three plans to choose from
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Reasonable premiums
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. CFAR coverage available with some plans
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. High medical emergency and evacuation coverage
• con icon Two crossed lines that form an 'X'. Special coverages for pets, sports equipment, etc not available
• con icon Two crossed lines that form an 'X'. Limited reviews with complaints about claims not being paid
• Trip cancellation of up to $5,000 with the Economy plan and up to $50,000 with the Preferred plan
• Cancel for any reason insurance and missed connection insurance available with the Preferred plan
• Baggage delay insurance starting after 24 or 12 hours depending on the plan

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Coverage for 200+ activities like skiing, surfing, and rock climbing
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Only two plans to choose from, making it simple to find the right option
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. You can purchase coverage even after your trip has started
• con icon Two crossed lines that form an 'X'. If your trip costs more than $10,000, you may want to choose other insurance because trip protection is capped at up to $10,000 (for the Explorer plan)
• con icon Two crossed lines that form an 'X'. Doesn't offer coverage for travelers older than 70
• con icon Two crossed lines that form an 'X'. No Cancel for Any Reason (CFAR) option
• Coverage for 150+ activities and sports
• 2 plans: Standard and Explorer
• Trip protection for up to $10,000
• Emergency medical insurance of up to $100,000
• Emergency evacuation coverage for up to $500,000
• Coverage to protect your items (up to $3,000)

Cruise Insurance Reviews

Best cruise insurance overall: nationwide travel insurance.

Nationwide Travel Insurance  is a long-standing and reputable brand within the insurance marketplace that offers cruise insurance plans with solid coverage and reasonable rates.

It has three cruise insurance options: Universal, Choice, and Luxury. The Nationwide Choice plan, for example, offers $100,000 in emergency medical coverage and $500,000 in emergency medical evacuation coverage.

The right plan for you depends on your budget and coverage needs. But each plan offers cruise-specific coverages like ship-based mechanical breakdowns, coverage for missed prepaid excursions if your cruise itinerary changes, and covered service disruptions aboard the cruise ship.

Read our Nationwide Travel Insurance review here.

Best Cruise Insurance for Affordability: AXA Travel Insurance

AXA Assistance USA  offers three comprehensive coverage plans: Gold, Silver, and Platinum. Each of these plans offers coverage for issues like missed flights, medical emergencies, lost luggage, and more.

The highest-tier Platinum plan provides $250,000 in medical emergency coverage and $1 million in medical evacuation coverage. The baggage loss coverage is $3,000 per person, and their missed connection coverage is $1,500 per person for cruises and tours.

In addition, travelers can take advantage of AXA's concierge service, which provides an extensive network of international service providers. They'll be able to assist you with things like restaurant reservations and referrals, golf course information, and more. This service could come in handy if you're stopping at a variety of unfamiliar destinations during your cruise.

The coverage limits on AXA's policies are on the higher end compared to other providers. And you can buy coverage for a little as 4% of your trip cost depending on your age, travel destination, and state of residence.

Read our AXA Travel Insurance review here.

Best Cruise Insurance for Seniors: Seven Corners Travel Insurance

Seven Corners Travel Insurance lets cruisers enjoy traveling in their golden years with the knowledge they're covered in the event of an accident or emergency. While other providers do offer coverage to those 80+ years old, Seven Corners is known for its affordable premiums while offering above-average medical expenses and medical evacuation coverage limits — two areas of travel insurance coverage that are even more important as we get older.

Seven Corners also offers the option of a preexisting conditions waiver and CFAR insurance at an additional cost, plus "Trip Interruption for Any Reason" coverage, which you won't find on many policies.

You can choose between the Trip Protection Basic or Trip Protection Choice plans, with the higher-tier Choice plan costing more but providing more coverage.

Read our Seven Corners Travel Insurance review here. 

Best Cruise Insurance for Expensive Trips: HTH Worldwide Travel Insurance

HTH Worldwide Travel Insurance  offers three levels of trip protection: TripProtector Economy, Classic, and Preferred. The higher the tier, the more coverage you'll get for things like baggage delays, trip delays & cancellations, and medical expenses. But their premiums remain reasonable even at the highest tier of coverage.

Not only does the HTH Worldwide Trip Protector Preferred plan offer higher-than-average medical emergency and evacuation coverage limits ($500,000 and $1 million, respectively), but you'll also get a baggage loss coverage limit of $2,000 per person and coverage for trip interruption of up to 200% of the trip cost. You also have the option to add CFAR coverage for an additional cost.

Read our HTH Worldwide Travel Insurance review here.

Best Cruise Insurance for Exotic Locations: World Nomads Travel Insurance

World Nomads Travel Insurance  has been a top choice for comprehensive travel insurance for many years now. And it's a great option when it comes to cruise coverage, too.

Even the most basic Standard Plan comes with $100,000 in medical emergency coverage and $300,000 in emergency evacuation coverage. And you'll get higher coverage limits with their Premium Plan. Plus, unlike many other providers, World Nomads trip cancellation and emergency medical coverage include COVID-19-related issues.

What sets World Nomads apart from many other insurance companies is that its policies cover 200+ adventure sports. This can be important for adventurous cruisers who plan to take part in activities like jet skiing, scuba diving, or parasailing during their cruise.

Read our World Nomads Travel Insurance review here.

Introduction to Cruise Insurance

Cruise insurance may offer unique coverage like missed port of call and medical evacuation coverage. You might not need the flight protections of a regular travel insurance plan if you're catching a cruise at a port near you, but medical and cancel for any reason coverage could be critical.

Understanding the Basics of Cruise Insurance

At its core, cruise insurance is your financial lifeboat, designed to protect you from unforeseen events that could disrupt your sea voyage. Whether it's a sudden illness, adverse weather, or other unexpected occurrences, having the right insurance can make a world of difference.

Why Cruise Insurance is Important

Picture this: You're all set for your dream cruise, but a sudden family emergency means you can't set sail. Or worse, you fall ill in the middle of the ocean. Without cruise insurance, you're not just missing out on an adventure, but also facing potentially huge financial losses. That's why securing cruise insurance isn't just recommended; it's a crucial part of your cruise planning.

Types of Cruise Insurance Coverage

Cruise insurance isn't a one-size-fits-all life jacket. There are various types of coverage, each tailored to protect different aspects of your cruise experience.

Trip Cancellation and Interruption Coverage

This coverage is like your safety net, catching you financially if you need to cancel your trip last minute or cut it short due to emergencies, be it due to personal, health-related, or even certain work conflicts.

Medical Coverage

Being on a cruise shouldn't mean being adrift from medical care. Medical coverage ensures that if you fall ill or get injured, your medical expenses won't sink your finances.

Emergency Evacuation Coverage

In the rare case that you need to be evacuated from the ship due to a medical emergency or severe weather, this coverage ensures you're not left adrift in a sea of expenses.

Baggage and Personal Effects Coverage

Imagine reaching your dream destination only to find your luggage lost at sea. This coverage ensures that lost, stolen, or damaged baggage doesn't dampen your cruise experience.

Buying Cruise Insurance

Securing the best cruise insurance isn't just about finding the best price; it's about ensuring it covers all your potential needs.

When to Purchase Cruise Insurance

Timing is everything. Purchasing your insurance soon after booking your cruise can often provide additional benefits and ensure you're covered for any early surprises. As you get closer to your trip your coverage options may get more expensive, and certain providers may not be able to offer you coverage.

How to Find the Best Deals on Cruise Insurance

Keep a lookout for deals, but remember, the cheapest option isn't always the best. Balance cost with coverage, and ensure you're getting the protection you need at a price that doesn't rock your financial boat. A travel insurance comparison site like SquareMouth is a good place to compare multiple quotes from all of the major carriers at once.

How to Pick The Best Cruise Insurance for You

When buying travel insurance for a cruise, consider the additional risks that are specific to cruising. These include hurricanes and other weather-related concerns, strict cancellation terms, high pre-paid costs of a cruise, and the distance to emergency medical assistance.

To find the policy that's right for you, it's best to compare several different cruise insurance policies based on the pricing and coverage they provide. Remember too that all reputable insurance providers will offer a "free-look period." This allows you to return the policy you've purchased for any reason, within a specific time period, for a full refund.

The most important coverages to look for in cruise insurance are:

• Medical coverage — This coverage will pay for medical bills outside the US. But because treatment can be more expensive while onboard, make sure your policy offers sufficient coverage ($100,000+).
• Medical evacuation coverage — This coverage will transport you to the nearest hospital or even back home if you become sick or injured during your journey. But an evacuation from sea will be more expensive than one from land. So you'll want to make sure your coverage has sufficiently high limits ($250,000+).
• Missed connection (missed port of call) coverage — This type of coverage will help you catch up to your itinerary if you miss your port of call for a covered reason, like a delayed flight on the way to the airport.
• Coverage for hurricane warnings — With this type of coverage, you don't actually need to be affected by the hurricane. You can cancel and be reimbursed for your trip if the NOAA issues a hurricane warning. If you're cruising anywhere during (or on the tail ends) of hurricane season, this can come in handy. Just note: You can't buy travel insurance to cover a weather event once a storm or hurricane has been named.
• Cancel for any reason (CFAR) — This is the most comprehensive coverage you can get, as it allows cancellations and reimbursement for pre-paid expenses for any reason. This can be a wise add-on for cruise coverage given the often higher prepaid expenses associated with cruising. See our guide to the best CFAR travel insurance options to learn more.
• Preexisting conditions — This coverage ensures that no known health conditions are excluded from coverage. Obtaining a preexisting condition waiver usually requires purchasing your travel insurance soon after booking your trip.
• Personal possessions insurance — Because of the events and fancy dinners cruise ships hold, you might take more valuable clothing or jewelry with you on a cruise. This type of coverage will insure your belongings against loss or theft while cruising.
• Baggage loss and delay — This coverage will reimburse you up to a specified amount for essentials if your bags are delayed or if your bags get lost en route.

As a rule of thumb, you can expect to pay between 5% and 10% of your prepaid, nonrefundable trip expenses for cruise insurance coverage. The price will vary depending on factors like your age, your travel destination, and whether you require additional coverage.

If you're booking a cruise, we recommend purchasing travel insurance when you make your first trip payment. That could be for the cruise itself or an expense like airfare to get you to your cruising destination. This way, if you have to cancel your trip, you'll have the most extended coverage period possible.

You can buy your own cruise insurance that isn't offered directly through the cruise line operator. In fact, this could be a better option if you want coverage for your travel to the cruise's departure point, not just for the cruise itself.

The difference between traditional travel insurance and cruise insurance is that cruise insurance offers more specialized coverage, for situations such as missing a departure port and more coverage for medical evacuations, since it's more expensive to evacuate someone at sea than on land. 

Most cruise insurance includes coverage for missing a departure port, so you should be able to claim for a missed port. Just make sure you check the details of your policy before you file a claim, and before you travel so you know what compensation you're entitled to.

Why You Should Trust Us: How We Chose the Best Cruise Travel Insurance

When comparing cruise travel insurance providers, we evaluated them based on the following criteria to come up with our list of top picks:

Customer Satisfaction

We look at ratings from JD Power and other industry giants to see where a company ranks in customer satisfaction. We also look at customer review sites like Trustpilot and SquareMouth.

Policy Types

We look at policy types and offerings, from standard travel protections to adventure sports coverage. We look at the amount of insurance offered

Average Premiums

We compare average premiums per trip. Some companies also offer annual plans, and we compare policies accordingly.

Claims Paid

How frequently do companies pay claims easily and quickly? We check customer reviews and other resources to see which companies honor policies most effectively.

We look at the company's overall behavior. Is it operating ethically? Companies can earn additional points for such behaviors.

You can read more about how Business Insider rates insurance here.

Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. Read our editorial standards .

Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.

**Enrollment required.

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Rent a Car in Moscow and other Russian Cities

Driving in Russia is very cheap: the petrol costs only about 60 ¢ per liter (€2 per gallon), the infrastructure is relatively good, and there's almost no road toll charges, so it's a great way to explore the country, especially if you're two or more.

In order to rent a car in Russia you just need your driving license (the plastic card one), a credit card, and your passport — no extra paperwork is needed (you don't even need a translation).

The insurance excess and security deposits are usually limited to about €200, and the daily rent is about €20 for a standard car and €30 for an SUV. We've partnered with the two biggest car rental aggregators, so you can use the form below to find the best car rental deals for Moscow, St. Petersburg and other Russian cities from major local and international providers, such as Hertz, Europcar, Avis and others.

Option #1: RentalCars.Com

Option #2: cartrawler.

Use this aggregator if you're renting a car for a longer period — two weeks and more — or if you're renting a car in Siberia.

Option #3: Car Sharing

Russia car rental faq.

• Moscow Airport Transfers
• Arrival and Departure: St. Petersburg Airport, Train Stations, and Bus Stations
• Arrival and Departure: Moscow Airports, Train Stations, Buses

Comments, Questions, Feedback?

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Is Moscow Safe? Crime Rates & Safety Report

On Feb. 24, 2022, Russia invaded its neighbor country Ukraine, starting a war between these two countries.

This act of invasion caused many Ukrainians to flee their country and seek shelter in places like Poland, Hungary, Slovakia, etc…

At this time, we recommend no travel to Russia or Ukraine, or any neighboring countries for your own safety.

Russia : Safety by City

• Nizhny Novgorod
• Novosibirsk
• Saint Petersburg
• Yekaterinburg

Moscow, the capital of Russia, is a political, scientific, historical, architectural and business center of this huge country.

It’s one of the most visited places in Russia, and for good reason.

The best-known parts of Russia are concentrated precisely in the urban areas and cities like Moscow and Saint Petersburg.

Moscow’s history attracts the most tourists, as they are fascinated by it is a surreal and sometimes brutal but nevertheless thrilling and jaw-dropping national story.

In this city, visited by 17 million tourists annually, the history, told in its numerous museums, some of which are the world’s greatest, interacts with modernity.

For example, in the Garden of Fallen Monuments (Fallen Monument Park), you can see entire clusters of modern art contrasting with the very non-conceptual Communist monuments.

• Warnings & Dangers in Moscow

OVERALL RISK: MEDIUM

Generally speaking, Moscow today is safe as much as other cities in Europe, despite its problematic history with criminal activity in the 90s. However, if you’re planning on traveling to Moscow, keep in mind that you should always keep your guard up and remain aware of your surroundings, just in case.

TRANSPORT & TAXIS RISK: LOW

Generally speaking, transportation in Moscow is safe, but you should bear in mind that kidnappings have been known to happen, mostly in unlicensed taxis, so be careful when hailing one on the streets. Keep in mind that the most dangerous areas where small crime tends to occur are the underground walkways, called “perekhods”. Only use official services like Yandex Taxi, Uber or Gett taxi.

PICKPOCKETS RISK: HIGH

Pickpocketing is very common in Moscow, and surprisingly it is mostly performed by groups of children. Pay attention to your belongings, don’t leave them in plain sight and be especially careful in crowded places like stations or near tourist attractions.

NATURAL DISASTERS RISK: LOW

Moscow isn’t particularly susceptible to natural disasters. Some blizzards and snowstorms are possible during winter which can affect the traffic and delay your flights. During winter, be prepared to face the below-freezing temperatures.

MUGGING RISK: MEDIUM

The situation improved drastically when it comes to kidnappings and muggings. Generally, never accept free drinks or food when you’re in a club or a bar. Drink spiking and then attacking and robbing the victim have been reported on numerous occasions.

TERRORISM RISK: HIGH

After the recent terrorist attack in the subway in St. Petersburg the probability of this situation happening again in Moscow is very high.

SCAMS RISK: HIGH

There are many scams in Moscow, usually performed by children trying to distract you and then steal some money from you. Never talk to strange kids on the street. Also, you should avoid playing street gambling games.

WOMEN TRAVELERS RISK: LOW

Women are generally safe in Moscow, though you should avoid finding yourself alone in clubs or bars, and of course, apply all normal precaution measures like avoiding remote and poorly lit streets and areas.

• So... How Safe Is Moscow Really?

Moscow experienced a rise when it came to crime rates during the 1990s.

Violent crime, as well as petty crime and scams,  had increased, but the biggest part of the violence was within the criminal groups themselves, and it didn’t affect foreigners that much.

However, it decreased since the 90s, so right now, for tourists, Moscow isn’t more dangerous than any other European city, it’s even less so.

The crime rate in Moscow is fairly lower than one in New York, London or Paris, so you should feel safe here.

Also, you can count on the officials to be uncorrupted – don’t ever try to bribe them: you will be charged with bribery.

Bear in mind that if you are a member of the LGBT community, there is no reason to avoid Moscow altogether but you should refrain from any public displays of affection.

As of June 2013, “homosexual propaganda to minors” is prohibited, which means that any discussion of gay rights or homosexuality issues in the presence of minors is punishable by law.

While you walk around Moscow, you might encounter police officials that may demand to see your papers to check if you have been registered within 7 business days of your arrival into Moscow.

You shouldn’t have any problems with this, because if you stay in a hotel then you are automatically registered and will be handed a confirmation paper.

• How Does Moscow Compare?
• Useful Information

Most countries do need a visa to enter Russia, and if you’re a U.S. citizen you must possess both a valid U.S. passport and a bona fide visa issued by a Russian Embassy or Consulate. None of the nationals that do need a visa can acquire one upon arrival, so make sure you apply for your visa in advance. If you are not sure about your visa status, visit www.doyouneedvisa.com which will let you know whether or not you need visa based on your nationality and the country you want to visit.

The Russian ruble is the official currency in Moscow. ATMs are widespread throughout the country and credit cards are accepted everywhere.

Moscow has a highly continental influenced climate characterized by warm to hot and dry summers and extremely cold, freezing winters with temperatures as low as -30°C – sometimes even lower, with heavy snowfall.

Sheremetyevo International Airport is the Russian busiest international airport. It is located in Molzhaninovsky District, Northern Administrative Okrug, in Moscow, about 29 km northwest of central Moscow.

Travel Insurance

Just like anywhere else, we advise getting travel insurance when traveling to Moscow, because it would cover not only medical problems but also theft and loss of valuables.

Moscow Weather Averages (Temperatures)

• Average High/Low Temperature

Russia - Safety by City

• Where to Next?

9 Reviews on Moscow

That's just not true.

The person who wrote the text obviously have never been in Moscow and in Russia at all. This is ridiculous. Even about pickpocketing, the risk at most is medium, mugging is zero in historical places but is pretty high in sleeping quarters

Your rating is only two stars for safety though? So I am confused. Are you rating the article to be in poor taste?

I went to Moscow in 2021. I enjoyed the trip. I felt there were “unsafe areas” so I avoided them. So long as you know where you are going and don’t insult the locals, you should be fine.

51% safe?! Is this out of date?

Moscow and Russia in general are MUCH SAFER than Paris or London, yet those latter are more than 15 points ahead?!

Hell, it’s even admitted in the above text: “Moscow isn’t more dangerous than any other European city, IT’S EVEN LESS SO.” Yeah, you bet! And then: “the crime rate in Moscow is fairly lower than one in New York, London or Paris, so you should feel safe here.” So why the low rating? I don’t get it.

Also, the latest terrorist attack in Moscow happened in 2010… so how can you honestly say that the risk is still “high”? Especially for the fact Russia is very much on the edge when it comes to fighting terrorism domestically and over the world.

Sure, it might not be ideal everywhere in Moscow, but it’s WAY SAFER than in Paris, especially at night. You just can’t go out in Paris after the evening anymore, in most areas (I got assaulted for no reason at Châtelet-les-Halles and taking the RER train at dark is becoming more and more risky)… while in Moscow, chances are that you’ll see girls in miniskirts walking home while quietly singing. Or maybe you’ll stumble upon some gorgeous lady asking you for a lighter and then giving you her number for a coffee the next day. So very dangerous!

I sense a serious bias, here. Is it because of that LGBT thing? Could you pick a more extreme case? Yeah, you can totally be gay in Russia, just be so in private. There even are transsexuals, but this is a traditional and respectable country, so you should respect their choice of not publicizing various sexual lifestyles.

Moscow and Saint Petersburg are safe

Moscow and Saint Petersburg are very safe in my opinion! I’ve been to both cities visiting family! There are so many people out on the streets and on public transportation- I felt very safe! You need to change your ratings!!

Any update on Covid-19 to visit Moscow

I visited 118 country and Moscow one of the safest city I have been, st Petersburg as well, I read this article hoping to find any update on covid-19 restrictions upon arrival, so if anyone can update I’m planning to visit Moscow again but I need to know if quarentain is required or mandatory, anyone can share, cheers.

In Russia nobody cares, masks off. I dont know if fiew thousands of infected per day are high for you though. I was never arrested for not wearing mask, but you have to have it on you. Sometimes cops ask to put mask, you just do that and everything ok, some shops can refuse to do service if you dont have mask. I assume they pressured by boss, so just put on mask, they can give you gloves and dont cause any problems.

Written by someone who never visited Russia

A veer biased review. Moscow or St. Petersburg for being such brilliant truly cosmopolitan cities are extremely safe. Pickpocketing in Russia?! By children?! Who wrote this? Clearly by someone who has never been to the great country of Russia.

Have never been there. But wish me well

Bias review, Moscow is much safer than that!

This review is so bias and just wrong! First of all apart from being a political, scientific and etc center, it is an absolutely beautiful city and a very culturally rich city. For tourists there’s a huge range of delicious food, amazing shopping, a lot of cultural activities, and all sorts of entertainment. I’ve travelled there in December 2019, and most of the time I spent walking around and exploring by myself, be it during day time or night, nothing happened to me once. I mostly used subways and sometimes taxi, both safe. Just have a common sense when it comes to safety and you’ll be fine. You need to travel there at least once in a lifetime, it’s a completely different experience and it’s a beautiful one, NOT a communistic terrorist epicenter as some describe it to be.

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Article Contents

• Moscow : Safety by City
• Overall Risk
• Transport & Taxis Risk
• Pickpockets Risk
• Natural Disasters Risk
• Mugging Risk
• Terrorism Risk
• Women Travelers Risk
• Weather Averages (Temperatures)
• User Reviews
• Share Your Experience

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In Transit: Notes from the Underground

Jun 06 2018.

Spend some time in one of Moscow’s finest museums.

Subterranean commuting might not be anyone’s idea of a good time, but even in a city packing the war-games treasures and priceless bejeweled eggs of the Kremlin Armoury and the colossal Soviet pavilions of the VDNKh , the Metro holds up as one of Moscow’s finest museums. Just avoid rush hour.

The Metro is stunning and provides an unrivaled insight into the city’s psyche, past and present, but it also happens to be the best way to get around. Moscow has Uber, and the Russian version called Yandex Taxi , but also some nasty traffic. Metro trains come around every 90 seconds or so, at a more than 99 percent on-time rate. It’s also reasonably priced, with a single ride at 55 cents (and cheaper in bulk). From history to tickets to rules — official and not — here’s what you need to know to get started.

A Brief Introduction Buying Tickets Know Before You Go (Down) Rules An Easy Tour

A Brief Introduction

Moscow’s Metro was a long time coming. Plans for rapid transit to relieve the city’s beleaguered tram system date back to the Imperial era, but a couple of wars and a revolution held up its development. Stalin revived it as part of his grand plan to modernize the Soviet Union in the 1920s and 30s. The first lines and tunnels were constructed with help from engineers from the London Underground, although Stalin’s secret police decided that they had learned too much about Moscow’s layout and had them arrested on espionage charges and deported.

The beauty of its stations (if not its trains) is well-documented, and certainly no accident. In its illustrious first phases and particularly after the Second World War, the greatest architects of Soviet era were recruited to create gleaming temples celebrating the Revolution, the USSR, and the war triumph. No two stations are exactly alike, and each of the classic showpieces has a theme. There are world-famous shrines to Futurist architecture, a celebration of electricity, tributes to individuals and regions of the former Soviet Union. Each marble slab, mosaic tile, or light fixture was placed with intent, all in service to a station’s aesthetic; each element, f rom the smallest brass ear of corn to a large blood-spattered sword on a World War II mural, is an essential part of the whole.

The Metro is a monument to the Soviet propaganda project it was intended to be when it opened in 1935 with the slogan “Building a Palace for the People”. It brought the grand interiors of Imperial Russia to ordinary Muscovites, celebrated the Soviet Union’s past achievements while promising its citizens a bright Soviet future, and of course, it was a show-piece for the world to witness the might and sophistication of life in the Soviet Union.

It may be a museum, but it’s no relic. U p to nine million people use it daily, more than the London Underground and New York Subway combined. (Along with, at one time, about 20 stray dogs that learned to commute on the Metro.)

In its 80+ year history, the Metro has expanded in phases and fits and starts, in step with the fortunes of Moscow and Russia. Now, partly in preparation for the World Cup 2018, it’s also modernizing. New trains allow passengers to walk the entire length of the train without having to change carriages. The system is becoming more visitor-friendly. (There are helpful stickers on the floor marking out the best selfie spots .) But there’s a price to modernity: it’s phasing out one of its beloved institutions, the escalator attendants. Often they are middle-aged or elderly women—“ escalator grandmas ” in news accounts—who have held the post for decades, sitting in their tiny kiosks, scolding commuters for bad escalator etiquette or even bad posture, or telling jokes . They are slated to be replaced, when at all, by members of the escalator maintenance staff.

For all its achievements, the Metro lags behind Moscow’s above-ground growth, as Russia’s capital sprawls ever outwards, generating some of the world’s worst traffic jams . But since 2011, the Metro has been in the middle of an ambitious and long-overdue enlargement; 60 new stations are opening by 2020. If all goes to plan, the 2011-2020 period will have brought 125 miles of new tracks and over 100 new stations — a 40 percent increase — the fastest and largest expansion phase in any period in the Metro’s history.

Facts: 14 lines Opening hours: 5 a.m-1 a.m. Rush hour(s): 8-10 a.m, 4-8 p.m. Single ride: 55₽ (about 85 cents) Wi-Fi network-wide

Buying Tickets

• Ticket machines have a button to switch to English.
• You can buy specific numbers of rides: 1, 2, 5, 11, 20, or 60. Hold up fingers to show how many rides you want to buy.
• There is also a 90-minute ticket , which gets you 1 trip on the metro plus an unlimited number of transfers on other transport (bus, tram, etc) within 90 minutes.
• Or, you can buy day tickets with unlimited rides: one day (218₽/ US$4), three days (415₽/US$7) or seven days (830₽/US$15). Check the rates here to stay up-to-date.
• If you’re going to be using the Metro regularly over a few days, it’s worth getting a Troika card , a contactless, refillable card you can use on all public transport. Using the Metro is cheaper with one of these: a single ride is 36₽, not 55₽. Buy them and refill them in the Metro stations, and they’re valid for 5 years, so you can keep it for next time. Or, if you have a lot of cash left on it when you leave, you can get it refunded at the Metro Service Centers at Ulitsa 1905 Goda, 25 or at Staraya Basmannaya 20, Building 1.
• You can also buy silicone bracelets and keychains with built-in transport chips that you can use as a Troika card. (A Moscow Metro Fitbit!) So far, you can only get these at the Pushkinskaya metro station Live Helpdesk and souvenir shops in the Mayakovskaya and Trubnaya metro stations. The fare is the same as for the Troika card.
• You can also use Apple Pay and Samsung Pay.

Rules, spoken and unspoken

No smoking, no drinking, no filming, no littering. Photography is allowed, although it used to be banned.

Stand to the right on the escalator. Break this rule and you risk the wrath of the legendary escalator attendants. (No shenanigans on the escalators in general.)

Get out of the way. Find an empty corner to hide in when you get off a train and need to stare at your phone. Watch out getting out of the train in general; when your train doors open, people tend to appear from nowhere or from behind ornate marble columns, walking full-speed.

Always offer your seat to elderly ladies (what are you, a monster?).

An Easy Tour

This is no Metro Marathon ( 199 stations in 20 hours ). It’s an easy tour, taking in most—though not all—of the notable stations, the bulk of it going clockwise along the Circle line, with a couple of short detours. These stations are within minutes of one another, and the whole tour should take about 1-2 hours.

Start at Mayakovskaya Metro station , at the corner of Tverskaya and Garden Ring,  Triumfalnaya Square, Moskva, Russia, 125047.

1. Mayakovskaya.  Named for Russian Futurist Movement poet Vladimir Mayakovsky and an attempt to bring to life the future he imagined in his poems. (The Futurist Movement, natch, was all about a rejecting the past and celebrating all things speed, industry, modern machines, youth, modernity.) The result: an Art Deco masterpiece that won the National Grand Prix for architecture at the New York World’s Fair in 1939. It’s all smooth, rounded shine and light, and gentle arches supported by columns of dark pink marble and stainless aircraft steel. Each of its 34 ceiling niches has a mosaic. During World War II, the station was used as an air-raid shelter and, at one point, a bunker for Stalin. He gave a subdued but rousing speech here in Nov. 6, 1941 as the Nazis bombed the city above.

Take the 3/Green line one station to:

2. Belorusskaya. Opened in 1952, named after the connected Belarussky Rail Terminal, which runs trains between Moscow and Belarus. This is a light marble affair with a white, cake-like ceiling, lined with Belorussian patterns and 12 Florentine ceiling mosaics depicting life in Belarussia when it was built.

Transfer onto the 1/Brown line. Then, one stop (clockwise) t o:

3. Novoslobodskaya.  This station was designed around the stained-glass panels, which were made in Latvia, because Alexey Dushkin, the Soviet starchitect who dreamed it up (and also designed Mayakovskaya station) couldn’t find the glass and craft locally. The stained glass is the same used for Riga’s Cathedral, and the panels feature plants, flowers, members of the Soviet intelligentsia (musician, artist, architect) and geometric shapes.

Go two stops east on the 1/Circle line to:

4. Komsomolskaya. Named after the Komsomol, or the Young Communist League, this might just be peak Stalin Metro style. Underneath the hub for three regional railways, it was intended to be a grand gateway to Moscow and is today its busiest station. It has chandeliers; a yellow ceiling with Baroque embellishments; and in the main hall, a colossal red star overlaid on golden, shimmering tiles. Designer Alexey Shchusev designed it as an homage to the speech Stalin gave at Red Square on Nov. 7, 1941, in which he invoked Russia’s illustrious military leaders as a pep talk to Soviet soldiers through the first catastrophic year of the war.   The station’s eight large mosaics are of the leaders referenced in the speech, such as Alexander Nevsky, a 13th-century prince and military commander who bested German and Swedish invading armies.

One more stop clockwise to Kurskaya station,  and change onto the 3/Blue  line, and go one stop to:

5. Baumanskaya.   Opened in 1944. Named for the Bolshevik Revolutionary Nikolai Bauman , whose monument and namesake district are aboveground here. Though he seemed like a nasty piece of work (he apparently once publicly mocked a woman he had impregnated, who later hung herself), he became a Revolutionary martyr when he was killed in 1905 in a skirmish with a monarchist, who hit him on the head with part of a steel pipe. The station is in Art Deco style with atmospherically dim lighting, and a series of bronze sculptures of soldiers and homefront heroes during the War. At one end, there is a large mosaic portrait of Lenin.

Stay on that train direction one more east to:

6. Elektrozavodskaya. As you may have guessed from the name, this station is the Metro’s tribute to all thing electrical, built in 1944 and named after a nearby lightbulb factory. It has marble bas-relief sculptures of important figures in electrical engineering, and others illustrating the Soviet Union’s war-time struggles at home. The ceiling’s recurring rows of circular lamps give the station’s main tunnel a comforting glow, and a pleasing visual effect.

Double back two stops to Kurskaya station , and change back to the 1/Circle line. Sit tight for six stations to:

7. Kiyevskaya. This was the last station on the Circle line to be built, in 1954, completed under Nikita Khrushchev’ s guidance, as a tribute to his homeland, Ukraine. Its three large station halls feature images celebrating Ukraine’s contributions to the Soviet Union and Russo-Ukrainian unity, depicting musicians, textile-working, soldiers, farmers. (One hall has frescoes, one mosaics, and the third murals.) Shortly after it was completed, Khrushchev condemned the architectural excesses and unnecessary luxury of the Stalin era, which ushered in an epoch of more austere Metro stations. According to the legend at least, he timed the policy in part to ensure no Metro station built after could outshine Kiyevskaya.

Change to the 3/Blue line and go one stop west.

8. Park Pobedy. This is the deepest station on the Metro, with one of the world’s longest escalators, at 413 feet. If you stand still, the escalator ride to the surface takes about three minutes .) Opened in 2003 at Victory Park, the station celebrates two of Russia’s great military victories. Each end has a mural by Georgian artist Zurab Tsereteli, who also designed the “ Good Defeats Evil ” statue at the UN headquarters in New York. One mural depicts the Russian generals’ victory over the French in 1812 and the other, the German surrender of 1945. The latter is particularly striking; equal parts dramatic, triumphant, and gruesome. To the side, Red Army soldiers trample Nazi flags, and if you look closely there’s some blood spatter among the detail. Still, the biggest impressions here are the marble shine of the chessboard floor pattern and the pleasingly geometric effect if you view from one end to the other.

Keep going one more stop west to:

9. Slavyansky Bulvar.  One of the Metro’s youngest stations, it opened in 2008. With far higher ceilings than many other stations—which tend to have covered central tunnels on the platforms—it has an “open-air” feel (or as close to it as you can get, one hundred feet under). It’s an homage to French architect Hector Guimard, he of the Art Nouveau entrances for the Paris M é tro, and that’s precisely what this looks like: A Moscow homage to the Paris M é tro, with an additional forest theme. A Cyrillic twist on Guimard’s Metro-style lettering over the benches, furnished with t rees and branch motifs, including creeping vines as towering lamp-posts.

Stay on the 3/Blue line and double back four stations to:

10. Arbatskaya. Its first iteration, Arbatskaya-Smolenskaya station, was damaged by German bombs in 1941. It was rebuilt in 1953, and designed to double as a bomb shelter in the event of nuclear war, although unusually for stations built in the post-war phase, this one doesn’t have a war theme. It may also be one of the system’s most elegant: Baroque, but toned down a little, with red marble floors and white ceilings with gilded bronze c handeliers.

Jump back on the 3/Blue line  in the same direction and take it one more stop:

11. Ploshchad Revolyutsii (Revolution Square). Opened in 1938, and serving Red Square and the Kremlin . Its renowned central hall has marble columns flanked by 76 bronze statues of Soviet heroes: soldiers, students, farmers, athletes, writers, parents. Some of these statues’ appendages have a yellow sheen from decades of Moscow’s commuters rubbing them for good luck. Among the most popular for a superstitious walk-by rub: the snout of a frontier guard’s dog, a soldier’s gun (where the touch of millions of human hands have tapered the gun barrel into a fine, pointy blade), a baby’s foot, and a woman’s knee. (A brass rooster also sports the telltale gold sheen, though I am told that rubbing the rooster is thought to bring bad luck. )

Now take the escalator up, and get some fresh air.

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21 Things to Know Before You Go to Moscow

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