American Express Travel Insurance in Singapore

American Express does have travel insurance and offers two options: standalone plans for direct purchase and complimentary benefits on select AmEx cards.

If you're considering travel insurance for an upcoming trip, familiarise yourself with the AmEx travel benefits included with your credit cards. Understanding your existing coverage helps avoid unnecessary spending on duplicate policies.

An independent AmEx travel insurance policy might offer more comprehensive coverage, but your AmEx card's travel perks may suffice, depending on your needs. 

If your primary concern is specific coverage for cancellations, delays, or rental cars and baggage, your card's benefits are likely adequate.

However, for those mainly concerned with emergency medical coverage while traveling or for those who want wider coverage on their trip, a separate travel insurance policy is recommended. 

You can purchase this from American Express Singapore directly or explore other travel insurance providers. Special promotions or referral codes may even defray some of the costs of purchasing travel insurance.

Find out more: Compare the Best Travel Insurance in Singapore

American Express cards often come with these six travel insurance benefits.

1. Trip cancellation and curtailment coverage

2. Travel delay compensation

3. Baggage loss and delay protection

4. 24/7 premium global assistance

5. 24/7 global assistance hotline

Let’s take a closer look at these benefits.

Trip cancellation coverage protects you if you must cancel your trip for a covered reason, reimbursing nonrefundable payments made with your AmEx Platinum Card.

Numerous exclusions exist, so review your coverage terms carefully.

1. Claims less than S$150.

2. Claims arising directly or indirectly from circumstances known to the Insured Person prior to booking his Trip.

3. Claims arising from any condition (i) for which a Doctor was consulted or for which treatment or medication was prescribed or (ii) the manifestation or symptoms of which a reasonable person in the circumstances would be expected to be aware of, prior to the Insured Person booking his Trip or his Card Commencement Date, whichever the more recent.

4. Additional costs incurred if the Insured Person fails to notify the providers of his travel, accommodation, excursions and leisure activities immediately if it is necessary that he cancels his Trip.

5. Claims where the Insured Person is unable to supply a medical certificate from a Doctor confirming the medical condition which made it necessary to cancel his Trip.

For enhanced trip cancellation coverage, consider "Cancel For Any Reason" (CFAR) travel insurance. CFAR is an optional upgrade on some standalone plans, offering partial refunds for cancellations regardless of the reason.

Which AmEx cards include trip cancellation, inconvenience, and interruption benefits?

For trip cancellation, inconvenience, and interruption coverage, consider these American Express cards.

Other AMeX cards that offer travel insurance include:

• American Express Singapore Airlines Business Credit Card

• The American Express® Platinum Reserve Credit Card

• The American Express® Singapore Airlines PPS Club Credit Card

• The American Express® Singapore Airlines Solitaire PPS Credit Card

• The American Express® Gold Card

• The American Express® Personal Card

Terms and conditions apply.

Total covered amount

This benefit for the AmEx Platinum Card covers the costs of unused travel, accommodation, excursions and leisure activities that have been paid for or pre-booked and are non-refundable, or if you are charged a fee to change your trip, up to S$10,000, if you cancel or postpone your trip due to:

(a) you, or your Close Relatives, or a person you are traveling with, or a person you are visiting for the main purpose of the trip, having an accident or being taken ill before the trip.

(b) you being subpoenaed as a witness other than in a professional or advisory capacity. Reimbursement will be for claimed expenses which have been charged to your Card.

Relevant exclusions will apply.

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This benefit for the AmEx reimburses reasonable, additional expenses incurred if a trip is delayed. The benefits are up to S$400 per person (S$800 per family) for additional travel, refreshment and accommodation costs prior to your actual departure if your flight is delayed, cancelled or overbooked and no alternative flight is made available within 4 hours.

AmEx Cards with trip delay benefit coverage

The reimbursable amount varies by card.

Premium travel credit cards offer higher compensation for shorter delays. Trip delay insurance is included with the following American Express credit cards:

Terms and conditions apply.

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As an American Express cardholder, you can receive compensation for lost or stolen luggage. This benefit supplements any compensation from the carrier. However, the AmEx policy is secondary, meaning it applies after the carrier's compensation.

The American Express® Singapore Airlines KrisFlyer Credit Card provides this insurance to "covered persons," defined as:

• The cardmember.

• Their spouse or domestic partner.

• Their dependent children travelling with them.

Credit cards with baggage insurance by AmEx

Premium cards offer greater protection, but even entry-level cards provide reasonable coverage. Here are some of the covered amounts for baggage delay:

• The American Express® Singapore Airlines KrisFlyer Credit Card - Up to S$400 per family

• The American Express® Platinum - Up to S$400 per family - Up to S$800 per family

• The American Express® Singapore Airlines KrisFlyer Ascend Credit Card - Up to S$400 per family

Terms and conditions apply. 

To file you must visit the Singapore Claims Centre at https://www.chubbclaims.com/amex/sg-en/welcome.aspx to complete the online submission; or contact us at 6299 0922 for further enquiries on Claims.

Find out more: 6 Credit Cards That Provide Travel Insurance

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This benefit provides assistance with replacing lost passports, locating missing luggage, emergency legal and medical referrals, and, in certain cases, emergency medical transportation.

The service also offers guidance on essential travel details, including customs and currency information, travel advisories, tourist office locations, foreign exchange rates, vaccination recommendations, passport/visa requirements, and weather forecasts.

Which American Express cards have premium global assist

Premium Global Assist, or similar comprehensive travel assistance services, are typically reserved for American Express's higher-tier cards, such as the Platinum series, due to the extensive support and coordination involved. To confirm if your specific American Express card in Singapore includes this benefit, it's best to contact American Express directly.

Services provided

You can rely on the Global Assist Hotline 24/7 for medical, legal, financial, and other emergency coordination and assistance services. Additionally, the Premium Global Assist Hotline may offer emergency medical transportation and related services. Third-party service costs might be your responsibility.

The hotline is more of a logistical assistance service than a concierge, and it can include the following:

General travel advice

• Emergency translation for legal or medical documents (costs not covered).

• Lost item search during travel.

• Missing luggage assistance; daily airline contact for bag location.

• Passport/credit card assistance for loss or theft.

• Urgent message relay to family/friends in emergencies.

Medical assistance

• Emergency medical transport for cardmember/family illness or injury (conditions apply; review policy).

• Physician referral (cardmember bears costs).

• Repatriation of remains in case of death.

Financial assistance

• Emergency wire service for cash (fees reimbursed).

• Emergency hotel check-in/out for lost or stolen card.

Legal assistance

• Bail bond assistance via AmEx-accepting agency (cardmember pays bail).

• Embassy/consulate referral.

• English-speaking lawyer referral (cardmember pays legal fees).

Find out more: Best Travel Insurance Promotions and Discounts in Singapore 2025: Your Guide to Travel Insurance

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You can rely on the Global Assist Hotline 24/7 for medical, legal, financial, and select emergency coordination and assistance services.

American Express cards with Global Assist Hotline benefit

The Global Assist Hotline benefit is available to the following cardholders:

• American Express® Platinum Charge Card

• American Express® Gold Charge Card

• American Express® Personal Charge Card

• American Express® Platinum Reserve Credit Card

• American Express® Platinum Credit Card

• American Express® Gold Credit Card

• American Express® CapitaCard

• American Express® Blue Credit Card

• American Express® Singapore Airlines PPS Club Platinum Credit Cards

• American Express® Singapore Airlines KrisFlyer Ascend Credit Card

• American Express® Singapore Airlines KrisFlyer Gold Credit Card

• American Express® -CPA Australia Credit Cards

Terms and conditions apply.

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If you don't hold any of the aforementioned credit cards and are considering purchasing an AmEx travel insurance policy, or simply wish to compare prices to assess if a standalone policy offers better benefits, you can visit the AmEx travel insurance website and enter your trip details for a quote.

To demonstrate available plans, we entered sample details for a 10 day trip for a 35-year-old Singapore single to Japan. The results showed three plan options, ranging from S$79 for an Essential plan to S$125 for a Superior plan

Global medical protection 

Medical protection covers emergency healthcare and dental expenses, as well as medical evacuation and repatriation of remains. Coverage limits increase with higher-priced plans. If medical protection is important to you, a standalone travel insurance policy is recommended.

Travel accident protection

Travel accident protection provides coverage in case of death or dismemberment during travel. While this is a sensitive topic, it's essential to be aware of this coverage. For AmEx travel insurance the coverage provided for accidental death and dismemberment can be up to S$500,000 for the Superior plan.

Other policy benefits also included on AmEx cards

These standalone coverage elements are offered on the mentioned AmEx cards, though limits may vary.

Trip cancellation

The Basic plan covers trip cancellation up to S$5,000 for the Basic plan while the Standard plan covers S$10,000 with the Superior plan covering up to S$20,000. In contrast, the AmEx Platinum card tops out at $10,000 for travel insurance coverage.

Trip curtailment

Trip curtailment coverage ranges from S$5,000 for the Basic plan, S$10,000 for the Standard plan and S$20,000 for the Superior plan. The AmEx Platinum cards travel insurance benefit offering trip curtailment is capped at S$10,000 per covered trip.

Baggage coverage

This benefit compensates for lost or stolen luggage as well as baggage delays. AmEx standalone travel insurance covers up to S$8,000, max. S$500 per item, S$1,000 for laptop. For baggage delays the coverage is S$200 per 6 consecutive hours, for a maximum of S$2,400.

Trip delay

This benefit reimburses necessary expenses for trip delays. AmEx’s standalone travel insurance tops out at $200 per 6 consecutive hours, max. $2,400 for the Superior plan. This coverage is also included on premium AmEx cards.

AmEx cards provide key travel insurance benefits: trip cancellation and interruption insurance, trip delay insurance, baggage insurance, and Global Assist. However, the coverage provided may not be as extensive as those provided by the standalone AmEx travel insurance plans.

The coverage limits in AmEx's travel insurance policy are similar to those on AmEx cards, so it's advisable to compare options to ensure the benefits meet your needs.

Find out more: Best American Express Cards in Singapore 2025

American Express travel insurance provides a broad range of benefits, particularly on its premium cards. Understanding these benefits is crucial in case of unexpected events. Decide if a standalone policy better suits your risk tolerance than the coverage included with an eligible card, and proceed accordingly.

To learn more about the American Express Platinum Card, see this page.
To learn more about the American Express Singapore Airlines KrisFlyer Credit Card, see this page.
To learn more about the American Express Singapore Airlines KrisFlyer Ascend Credit Card, see this page.

Insurance Benefit for AmEx Platinum Card: Trip cancellation and curtailment

• Up to $10,000 with listed exclusions.

• Eligibility and Benefit level varies by Card. 

• Terms, Conditions and Limitations Apply.

• Underwritten by Chubb Insurance Singapore Limited.

Insurance Benefit: Global Assist Hotline

• You can rely on Global Assist Hotline 24 hours a day / 7 days a week for medical, legal, financial or other select emergency coordination and assistance services while traveling more than 100 miles away from your home. Plus, the Global Assist Hotline may provide emergency medical transportation assistance and related services. Third-party service costs may be your responsibility.

• Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply.

• If approved and coordinated by Premium Global Assist Hotline, emergency medical transportation assistance may be provided at no cost. In any other circumstance, Card Members may be responsible for the costs charged by third-party service providers.

Insurance Benefit: Baggage Insurance Plan

• Coverage can be provided for up to $800 per family for The Platinum Card 

• Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply.

• Underwritten by Chubb Insurance Singapore Limited.

Maximising your rewards

Find a travel credit card that matches your priorities. Here are our top travel credit card recommendations in Singapore.

• Best for flat rate rewards: Citi Cash Back+ Card

• Best for flexibility and bonuses: UOB PRVI Miles Visa Card

• Best for portal benefits: DBS Altitude Visa Signature Card

• Best for cashback on travel bookings: Standard Chartered Simply Cash Credit Card

• Best for luxury perks: Citi Prestige Card

• Best for business travellers: Citi PremierMiles Card