axa travel insurance gold 45 amt

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Table of Contents

What is AXA?

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• Lowest-cost plan includes some medical coverage.
• Pre-existing conditions waiver add-on available for higher-cost plans.
• No add ons are available for Silver-level policyholders.
• CFAR upgrade is only available for highest-cost plan.

In the era of staff shortages and extreme weather, your trip may not go exactly to plan. When that happens, travel insurance can be a big help. Although an insurance policy can’t prevent a delay or cancellation from happening, it can help relieve the financial burden if something unpredictable does occur on your trip.

But how do you know which insurance provider to go with? Here's a look at AXA travel insurance to help you determine if one of its plans is right for you.

AXA is a French insurance company that does business in over 200 countries. It offers many different types of insurance, including policies for travelers. These include coverage for baggage loss , trip cancellation and interruption, emergency evacuation and emergency medical costs. Cancel for any reason coverage is also offered. 

AXA Assistance USA is part of the AXA Group.

» Learn more: How much is travel insurance?

AXA Assistance USA offers travelers three insurance plans: Silver, Gold and Platinum. The plans are underwritten by Nationwide Mutual Insurance Company and their affiliates in Columbus, Ohio. Here's the coverage you can expect from each policy.

Silver: This is the least expensive plan that offers 100% trip cancellation and trip interruption coverage, $25,000 in emergency accident and sickness medical coverage and $100,000 in emergency evacuation and repatriation coverage.

Gold: The mid-range Gold policy comes with 100% trip cancellation and 150% trip interruption coverage, $100,000 in emergency accident and sickness medical coverage and $500,000 in emergency evacuation and repatriation coverage. 

Platinum: The AXA Platinum travel insurance plan includes 100% trip cancellation and 150% trip interruption coverage, $250,000 in emergency accident and sickness medical coverage and $1,000,000 in emergency evacuation and repatriation coverage.

If you want to add Cancel For Any Reason coverage, you’ll need to select the Platinum plan and purchase a policy within 14 days of paying the initial trip deposit. It’ll cover 75% of the prepaid nonrefundable expenses for your travel. 

If you’d like coverage for pre-existing medical conditions , a waiver is available on the Gold and Platinum plans as long as you buy coverage within 14 days of your first trip payment.

» Learn more: How does travel insurance work?

Let’s compare AXA’s plans, the costs and coverage for a 19-day trip to Indonesia that costs $1,500 for a 36-year-old traveler who lives in Utah.

Coverage and limits for the Silver-level plan include:

Trip delay: $100 per day, with a $500 maximum.

Trip cancellation: 100% of the trip cost.

Trip interruption: 100% of the trip cost.

Baggage delay: $200.

Lost baggage: $750, up to $150 per article.

Missed connection: $500.

Emergency evacuation: $100,000.

Accidental death and dismemberment: $10,000 ($25,000 if on a common carrier).

Emergency accident and medical expense: $25,000.

The plan cost for our sample trip is $55.

For $79, the Gold-level tier offers the following coverage and limits:

Trip delay: $200 per day, with a $1,000 maximum.

Trip interruption: 150% of the trip cost.

Baggage delay: $300.

Lost baggage: $1,500, up to $250 per article.

Missed connection: $1,000.

Emergency evacuation: $500,000.

Accidental death and dismemberment: $25,000 ($50,000 if on a common carrier).

Emergency accident and medical expense: $100,000.

Collision damage waiver: $35,000.

Platinum is AXA’s highest tier level. This plan includes:

Trip delay: $300 per day, with a $1,250 maximum.

Baggage delay: $600.

Lost baggage: $3,000, up to $500 per article.

Missed connection: $1,500.

Emergency evacuation: $1,000,000.

Accidental death and dismemberment: $50,000 ($100,000 if on a common carrier).

Emergency accident and medical expense: $250,000.

Collision damage waiver: $50,000.

Lost golf rounds: $500.

Lost skier days: $25 per day.

Pet boarding fees: $25 per day (up to five days).

This level of coverage costs $95.

» Learn more: The best credit cards for travel insurance benefits

To get an AXA travel insurance quote, go to AXATravelInsurance.com and start by inputting your information in the quote box. Enter your state of residence, destination country, trip dates, date of first trip deposit, total trip cost, the number of travelers and their ages.

Once you’ve filled out the form, click on the “Get a quote now” button.

You’ll be presented with three quotes, one for each plan level. Make sure to click on the “See more benefits” link to get more information on each plan’s coverage limits. The plans with the highest coverage limits will be the most expensive.

If you need a pre-existing conditions waiver, select the Gold or Platinum plan. You’ll also have to purchase the plan within 14 days of making your initial trip deposit to be eligible. 

The Gold and Platinum levels are also the two plans that offer Schengen zone coverage and a collision damage waiver . The Platinum plan is the only one that offers a Cancel For Any Reason add-on, so keep that in mind if you need more protection.

Overall, if you’re looking for emergency medical and emergency evacuation coverage specifically, the limits are good on all the plans, including the least expensive one.

To compare plans from multiple insurance providers at once, we recommend checking out Squaremouth, a travel insurance comparison site and a NerdWallet partner. The website helps you pick the right plan by displaying multiple quotes from many insurance providers, including AXA, in one spot.

AXA began in the early 19th century as a small insurance company specializing in property and casualty insurance. 

Since then, the company has evolved, changing names and acquiring other insurance brands, until it became AXA in the 1980s. It is now one of the largest insurance companies in the world. In other words, yes, AXA is a legitimate travel insurance provider.

» Learn more: The best travel insurance companies

Every plan has different exclusions, so it's important to look at your coverage summary. Generally, pre-existing conditions without a previously purchased waiver are not covered.

Other limitations include:

Intentionally self-inflicted injuries.

Participation in bodily contact or extreme sports.

Traveling for the purpose of securing medial treatment.

Accidental injury or sickness when traveling against the advice of a physician.

Non-emergency treatment or surgery.

AXA handles more than 14 million cases each year, and every plan includes access to their 24/7 assistance hotline. The company is well established and has three plans for travelers to choose from.

AXA travel insurance covers several benefits including but not limited to 100% trip cancellation and trip interruption, medical emergencies, emergency evacuations, baggage delay or lost baggage, and accidental death and dismemberment. The Platinum plan also lets you add Cancel For Any Reason coverage.

AXA's least expensive plan, Silver, and its mid-range Gold policy do not have the option to add-on Cancel For Any Reason coverage. For travelers who opt to purchase the Platinum insurance plan, you can add Cancel For Any Reason coverage a la carte within 14 days of paying the initial trip deposit.

In the event that you need to make a claim, you can upload supporting documents online. If the claim is accepted, you will receive reimbursement within 30 days.

It's said that travel is the only thing you buy that makes you richer. But you don’t want to become poorer if something goes wrong before or during a trip. We don’t know what the universe has in store for us, so buying a travel insurance policy is one way we can protect our investment.

AXA offers budget, mid-range and premium policies that are easy to understand, provide adequate coverage and don’t cost a fortune.

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 Chase's website

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60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.

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50,000 Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.

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AXA Gold Travel Insurance - 2024 Review

Axa gold travel insurance.

• Strong Insurance Partner
• Good Comprehensive Benefits
• Cancel For Any Reason Not Available

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AXA is a French multinational insurance company headquartered in Paris. It provides investment management and other financial services besides travel insurance.

Despite being written by the company in upper case, "AXA" is not an acronym. It was chosen because its name can be pronounced easily by people who speak any language. 

What is the AXA Gold Insurance Plan?

Three plans are offered by AXA: Silver, Gold, and Platinum. All three policies are underwritten by Nationwide Mutual Insurance Company, a well-respected insurer in the travel insurance industry.

The Gold plan, which we will be reviewing in this article, is an excellent plan for both international and domestic travel. The plan provides $100,000 of emergency medical coverage and $500,000 of emergency medical evacuation.

TravelDefenders recommends having a minimum of $100,000 for medical coverage and a minimum of $250,000 for medical evacuation for international travel. As the Gold plan provides amounts either at or above our international recommendations, the coverage is adequate for either domestic or international travel.

Below is a listing of the benefits for the policy:

AXA Gold Benefits

Maximum Limits Per Person

Trip Cancellation  - 100% of Trip Cost up to $30,000 per traveler

Trip Interruption  - 150% of Trip Cost up to $45,000 per traveler

Travel Delay  - $1,000 ($200 per day after an initial delay of 12 hours or more)

Missed Connection - $1,000 (after an initial common carrier delay of 3 – 12 hours)

Baggage & Personal Effects  - $1,500 ($250 per article up to $500 combined article limit)

Baggage Delay - $300 (after an initial delay of 24+ hours)

Accident & Sickness Medical Expense  - $100,000

Emergency Medical Evacuation  - $500,000

Accidental Death & Dismemberment - $25,000 anytime; $50,000 common carrier

Pre-existing Condition Waiver  - Available if policy is purchased within 14 days of the initial payment or deposit

Medical Coverage Type - Primary – Pays BEFORE any other coverage  

Rental Car Damage Coverage (optional) – up to $35,000 for damage to rental car

Cancel For Any Reason – Not Available

10-Day Free Look – Take 10 days to review the policy and see if it’s right for you. If not, the policy can be canceled during this time and premium refunded.

AXA Gold - Covered Perils

While there is an extensive list of covered perils, the main perils covered are:

Emergency Sickness/Illness/Injury/Death - Yes

Hijacking, Medical Quarantine, Subpoena or Jury Duty - Yes

Home uninhabitable due to fire, flood, burglary, or Natural Disaster - Yes

Direct involvement in a documented traffic accident while en route to your departure - Yes

Organized Labor Strike - Yes

Terrorist Incident - Yes

Inclement Weather and Natural Disaster - Yes

Revocation of previously granted military leave - Yes

Financial Default of Travel Supplier - Yes

Theft of passport or visa that prevents departure – Yes

Job transfer of over 250 miles - Yes

Mandatory evacuation ordered by government authority due to adverse weather and Natural Disaster – Yes

AXA Gold - Additional Information

Maximum Traveler Age - 99

Pre-Existing Condition Review Period - 60 days

Premium Refunds - You may submit a cancellation request and receive a full refund within 10 days from the effective date of your coverage

Latest date plan can be purchased - 1 day before departure

24/7 Emergency Travel Assistance - Included

This is only a summary of the AXA Gold policy. Please read the policy carefully to fully understand the coverages, terms, conditions, limits, and exclusions. Some coverages may not be available in every state. This summary does not replace or change any part of your policy. If there is a conflict between this summary and the policy, the policy will control.

Premium is based on the traveler's age and the trip cost. Rates are subject to change at any time.

You can purchase the plan at any time up to 24 hours prior to departure. Benefits will apply as per the terms and conditions of the policy.

Frequently Asked Questions

What if I buy the policy and decide the coverage isn't right for me?

If you are not completely satisfied with the travel insurance you have purchased, you can call to cancel within 10 days of the effective date. AXA Travel Insurance will cancel the policy and refund your premium as long as you have not yet departed on your trip, nor submitted a claim.

This refund policy is known as the Free-Look Period.

What does travel insurance provide?

Travel Insurance provides emergency assistance services if you have a problem during your trip. Travel Insurance covers the unexpected costs such as having to cancel or interrupt your trip due to unforeseen reasons, such as the illness of you, a family member, or a travel companion, severe weather, missed connections, strikes, default of travel supplier and other unexpected events that may arise before or during your trip.  Plans include  trip cancellation  and  interruption ,  accident and sickness  with assistance services,  medical repatriation , baggage coverage, accident insurance, travel accident insurance, and many other benefits.

If I already have medical coverage, why do I need to pay for it again within travel insurance coverage?

Travel Medical Expense is designed to cover expenses for accidental injury and sickness occurring on your trip. This benefit provides coverage for medically necessary care that may not be covered on your health insurance plan.

You should check with your health insurance provider to verify if you are covered outside of the plan area or the US. This travel insurance also includes valuable 24/7 emergency assistance to aid with locating medical care, medically necessary transportation, and arranging payment for medically necessary care.

Besides medical, what other assistance is provided?

If your trip is extended on the order of a physician due to an illness or accidental injury incurred while traveling, the policy may cover hotel and meal expenses under the Trip Delay benefit, as well as additional airline transportation costs.

Travel assistance services can also help you with many other tasks, such as arranging for forgotten or damaged prescription medication, locating a doctor, and ensuring you are receiving the right care for a medical emergency.

The multilingual assistance staff can provide you with helpful information and advise you where to go if you lose your passport, need cash or legal services at your destination.

What is a Pre-existing Condition?

A Pre-existing medical condition  means any accidental injury, sickness, or disease you, your traveling companion, or your family member booked to travel with you has for which medical advice, diagnosis, care, or treatment was recommended or received within 60 days prior to the policy effective date. In other words, any change in your health history in the past 60 days prior to policy purchase.

Illnesses or conditions controlled with medication where the dosage or prescription hasn’t changed in the 60-day period ending on the effective date are considered stable and not considered pre-existing conditions.

Can the Pre-Existing Condition Exclusion be waived?

Yes. The AXA Gold Plan provides a Pre-Existing Conditions waiver if the policy is purchased within 14 days of the initial trip payment or deposit.

What events are covered under Trip Interruption?

Typically, an insured can interrupt their trip for the same or similar reasons as they can for canceling their trip. Trip Interruption differs because it provides coverage once you depart for your covered trip.

The insured will be reimbursed for prepaid, unused, and non-refundable travel arrangements plus additional transportation costs to catch up to their trip or return home early.

Is baggage loss covered?

Yes. The company will reimburse you up to $150 ($250 per article up to $500 combined article limit), if you sustain loss, theft or damage to baggage and personal effects during the trip, provided you have taken all reasonable measures to protect, save and/or recover the property. The baggage and personal effects must be owned by you and accompany you during the trip. The police or other authority must be notified within 24 hours in the event of theft.

This coverage is subject to any coverage provided by a Common Carrier.

Similar to a homeowners’ policy personal property coverage, there is a combined Maximum Benefit limit shown on the Confirmation of Coverage for the following: jewelry; watches; articles consisting in whole or in part of silver, gold or platinum; furs; articles trimmed with or made mostly of fur; cameras and their accessories and related equipment.

The company will pay the lesser of the following:

(a) Actual Cash Value at time of loss, theft or damage to baggage and personal effects; or (b) the cost of repair or replacement in like kind and quality.

What does Baggage Delay cover?

The company will reimburse you for the expense of necessary personal effects, up to the Maximum Benefit shown on the Confirmation of Coverage, if Your Checked Baggage is delayed or misdirected by a Common Carrier for more than 24 hours, while on a trip.

You must be a ticketed passenger on a Common Carrier.

Additionally, all claims must be verified by the Common Carrier, who must certify the delay or misdirection and receipts for the purchases must accompany any claim.

What does the Trip Delay cover ?

The company will reimburse you for covered expenses on a one-time basis, up to the maximum benefit shown on the confirmation of coverage ($200 per day per traveler up to a maximum of $1000 per traveler), if you are delayed, while coverage is in effect, en route to or from the trip for 12 or more hours due to a defined hazard.

Covered Expenses:

• Any prepaid, unused, non-refundable land and water accommodations.
• Any reasonable additional expenses incurred.
• An economy fare from the point where you ended your trip to a destination where you can catch up to the trip; or
• A one-way economy fare to return you to your originally scheduled return destination.

Can I buy travel insurance after an incident has occurred?

Unfortunately, no. Travel insurance coverage applies only to unforeseen issues that occur after the policy is in effect. Insurance does not cover events that are no longer unexpected or unforeseen.

What is considered an Accident?

An accident is defined as a sudden, unexpected, unusual, specific event that occurs at a specific time and place during the covered trip and also includes a mishap to a method of transport in which you are traveling.

Are there any coverage exclusions?

Yes. The complete list of coverage exclusions is summarized in the certificate. Please read the certificate carefully and note all exclusions and state exceptions that may apply.

When does the coverage begin?

All coverage except trip cancellation and optional trip cancellation for any reason will begin on the scheduled departure date, or the actual departure date if a change is required by a common carrier (or an alternate travel arrangement if required to reach your trip destination). Coverage will not begin before the effective date shown on your purchase confirmation.

Trip cancellation and optional trip cancellation for any reason coverage will begin on your effective date. No coverage can be purchased after a person departs on a trip.

What is AD&D – Common Carrier only?

The company will pay benefits for accidental injuries resulting in a loss as described in the table of losses listed in the policy, that occur while you are riding as a passenger in or on, boarding or alighting from, any air transportation operated under a license for the transportation of passengers for hire during the trip. The loss must occur within one hundred eighty (180) days after the date of the accident causing the loss. The principal sum is shown on the schedule of benefits.

Complete details of coverage terms, limitations, and exclusions that may affect benefits payable are summarized in the certificate. Please read the certificate carefully and all state exceptions that may apply.

How can a traveler get assistance while on a trip?

For 24/7 Emergency and Travel Assistance Services Only:

From within the United States: 1-855-327-1442

Outside the United States: 1-312-935-1719

Email: [email protected]

How do I file a claim with AXA?

Written notice of a claim must be given by the claimant (either You or someone acting for You) to the company or its designated representative within seven (7) days after a covered Loss first begins.

Notice should include Your name and the Plan number. Notice should be sent to the company's administrative office, at the address shown on the cover page of the policy, or to the company's designated representative.

To report a new claim, obtain claim forms or check claim status:

Within the US: 1-888-957-5015

Outside the US: 1-727-450-8794

You can download claim forms on AXA’s website: https://axatravelinsurance.com/file-a-claim

The claim form can be uploaded onto the AXA Claim portal at:  https://cbpconnect.com

For Claim Status, please contact (888) 957-5015 or use the Claims Portal.

Email:  [email protected]

Mail claim form and all necessary documents to:

Attention: Co-ordinated Benefit Plans, LLC on Behalf of Nationwide Mutual Insurance Company and Affiliated Companies

PO Box 26222

Tampa, FL  33623

Can I purchase this plan cheaper directly through AXA?

No, US law prohibits different pricing for the same policy, so you can rest assured that the price you see is the lowest price possible.

We find the AXA Gold Plan to be a robust policy worth considering for domestic and international travel.

It includes sufficient Medical Insurance ($100,000) and excellent Medical Evacuation ($100,000) with a generous list of Cancellation and Interruption reasons.

The insurance also includes toll-free, 24/7 multilingual emergency assistance services to help arrange any care you may need while you are away from home.

TravelDefenders – Travel Insurance Marketplace

TravelDefenders  is a travel insurance marketplace, which means that we compare your travel insurance options through multiple insurers. We are very selective about the plans we offer on our site.

You'll always find the lowest possible price and value right here at TravelDefenders.

Visit TravelDefenders first to see your options before committing to the first travel insurance policy you're offered. Stop by and  chat ,  send an email , or give us a call at +1(786) 321 3723.

Safe travels!

This article has been written for review purposes only and does not suggest sponsorship or endorsement of AARDY by the trademark owner.

Recent AARDY Travel Insurance Customer Reviews

Jon Trister

Very helpful

The agent Amanda who helped me in choosing the insurance demonstrated high professionalism. Thank you. Jon Trister MD

Carolyn Watson

Agent sylvia is very knowledgeable and friendly.

Agent Sylvia was so detailed and informative about my need. She has the patience of Joel. Sylvia answered every question and explained the reason why it is imperative take the required documents with me. Thanks, Sylvia for your assistance and your knowledge!!!!!!! Carolyn Watson

PLATINUM PLAN

Designed to provide the highest level of coverage for unexpected events

Travel Insurance | Platinum Protection  

The platinum protection plan offers optional coverages for:.

• Lost Ski Days
• Lost Golf Rounds
• Collision Damage Waiver
• Trip Cancellation for Any Reason
• Coverage for Pre-Existing Medical Conditions

Why choose Platinum Protection?

Accident & health, optional benefits, compare travel insurance plans.

Get covered against Trip Delays, Medical Emergencies, Lost Baggage, and more!

How do I purchase the Platinum Plan?

• Click here to fill out the travel form with your travel information
• Choose a travel plan and selection of optional add-ons 
• Review the policy terms and conditions, including any exclusions or limitations; premiums will depend on the coverage package you selected
• Once your payment has been processed, you will receive a confirmation email with your policy details. Read policy documents and keep them in a safe place for future reference

Also see: Plan Comparison Table | Gold Plan | Silver Plan

Need help choosing a plan.

Speak with one of our licensed representatives or our 24/7 multilingual Insurance advisors to find the coverage you need for your next trip. From Medical Coverage to Trip Cancellation Protection, our team of travel experts will help you choose the right coverage.

File a Claim

Still have a question? Be sure to get in touch with our expert travel team

You can also claim directly or check the status of an existing claim at our claims administrator’s 24/7 self-service portal at: https://cbpconnect.com

You have reached AXA USA, your Travel Protection solution for US Residents. Our team of experts are available to you for claims assistance.  If you are looking for information on how to file a claim and you are not a US Resident please review your travel documents for the appropriate contact details. If you are a US Resident and purchased an AXA Silver, Gold, or Platinum plan please find the necessary claim forms and instructions below.

How can I contact someone about my claim?

Before you submit a claim.

Contact AXA USA for emergency medical and travel assistance including any prior arrangements for evacuations and medical repatriations. In the event of theft or loss of property, contact the police or transportation carrier such as the airline immediately to obtain a filed report

• ✔Check your policy documents to confirm your coverage details
• ✔Review the claim form for supporting documentation required
• ✔Contact AXA Assistance USA forany policy and claim questions

Download your claim forms below

Claim forms are for SILVER, GOLD, and PLATINUM plans only.

Trip Cancellation

Provides coverage for non-refundable payments and deposits made before your trip was cancelled due to a covered reason. This is a pre-departure benefit.

Cancel For Any Reason

Provides coverage for non-refundable payments and deposits made before your trip was cancelled. Only available on the Platinum plan as an optional benefit. This is a pre-departure benefit.

Trip Interruption

Provides coverage for non-refundable trip cost in the event you cannot continue your trip due to a covered reason. This is a post-departure benefit.

Provides coverage for the unsed portion of pre-paid expenses, accommodations, meals, and transportation expenses if you experience a delay while traveling.

Provides coverage for emergency medical expenses resulting from an accidental injury or sickness incurred while on the trip.

Accidental Death or Dismemberment

Provides coverage if you suffer an injury resulting in loss of life or limb during a covered part of your trip.

Baggage Delay

Provides coverage if your baggage is delayed 24 hours on Silver and Gold and 12 hours on Platinum.

Provides coverage if your baggage or personal effects are lost, damaged or stolen during your trip.

Collision Damage Waiver

Provides coverage if you rent a car while on your trip, and the car is damaged due to collision, theft, vandalism, windstorm, fire, hail, flood, or any cause not within your control while the car is in your possesion.

Our Travel Insurance Policies

At Puffin, we offer a range of Single Trip and Annual (Multi Trip) policies for individuals, couples, families and groups aged up to 84 including policies for customers that have pre-existing medical conditions. We cover countries throughout the world and have three cover levels to choose from (Silver, Gold and Platinum) and numerous options that can be added to your policy. Below you will find:

• A summary of the cover (also known as "benefits") offered by our policies
• Information about the optional cover we offer
• Information about the activities covered
• Information about the countries covered
• Links to our policy documents

If you're not familiar with travel insurance policies, then you may find it useful to read our  Travel Insurance Guide  before reading the rest of this page. Also, if you're not familiar with the "benefits" we list in the table below, then you may find our  Benefits Guide  useful.

Who we cover

We provide cover for individuals, couples, families and groups of travellers. Our Single Trip policies cover adult travellers aged 18 - 84 and our Annual policies cover adult travellers age 18 - 80.

Summary of Cover

Sample Policy Documents: Puffin Policy Wording.pdf

Sample Insurance Product Information Document: IPID.pdf

These are sample policy documents, the policy wording and IPID which applies to you will be available to view when you get your quote and will be emailed to you when you buy.

Our policy wording changed on 17th August 2023. For a summary of changes made see here .

Optional Cover

In addition to the above, we offer optional cover for: Winter Sports, Extended Gadget, Cruise and additional activity packs. 

To keep our prices low, we don't bloat your policy with cover that most people don't need. However, we do offer a range of options for those that do need specific types of cover including Winter Sports Cover (Ski and Snowboard) and Extended Gadget Cover. For more information, see our Optional Cover page .

Our basic policy covers you for over 100 common holiday activities including body boarding, surfing and water skiing, but if you fancy doing something a bit more adventurous whilst on holiday then we have a range of activity packs that you can add on to your policy to ensure you have the right cover. For full information see our Activities page .

To find out about which countries we cover, please see our  Country List .

Useful Links

• Our Travel Policies
• Our Pet Policies
• About Puffin Insurance
• My Puffin Account
• Travel Insurance Guide
• Travel Insurance Cover
• Travel Insurance Options
• Travel Insurance Activities
• Countries Covered
• Travel Insurance FAQ
• Pet Insurance Guide
• Pet Insurance Cover

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We offer great quality cover for Travel Insurance and your Pets Insurance. Why not try our quick quote...

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You'll earn 3 points for every full £1 you spend on your Gold Card at American Express Travel Online.

You can use your Membership Rewards ® ​ points to pay or part pay for your travel, without blackout dates or seat availability restrictions. Plus there’s the choice, value and confidence that come from booking at one of the world’s largest travel networks with over 150 years of global travel heritage.

With the Gold Card, your holiday can get off to a flying start before you even take off. Relax in the comfort of over 1300 lounges at major airports all over the world with four complimentary airport lounge passes every year. With Priority Pass™. 

Your Gold Card brings you the tantalising prospect of hotel credits and upgrades when available at over 500 hotels around the world with The Hotel Collection.

Book through The Hotel Collection for a stay of two consecutive nights at a participating property and you'll receive:

   •   A US$100 hotel credit at hotel check-out to spend on amenities like

       dining, spa or other leisure facilities.

   •   A room upgrade at check-in, where available.

Holidays don't always go to plan. Pay for travel on your Card and enjoy our Travel Protection benefit.

Pay with your Gold Credit Card and you'll enjoy:

     •   Up to £200 for flight delay, overbooking or missed connection.

      •   Up to £200 for baggage delayed by airline for 4 hours or more.

      •   An additional £200 for extended baggage delay by airline.

      •   £250,000 for loss of life, limb, sight, speech or hearing, while

          travelling on a public vehicle where the ticket was purchased

          on the Gold Card.

Exclusions and limitations apply, please refer to the link above.

Whether it’s business or leisure, with Hertz and your Gold Card you’ll always find your way. Enrol into the Hertz Gold Plus Rewards ® loyalty programme and take advantage of your special Hertz privileges.

Pay with your Gold Card and receive:

  •   10% off standard car rental rates

  •   One-car-class upgrade for rentals of 5+ days (subject to availability)

  •   Additional driver Fee waived

*Enrolment in Hertz Gold Plus Rewards program is required to receive all benefits. Enrol above.

 Known all over the world for its forward-thinking and innovative service, Avis now operates in over 5,000 locations for you.​

As a Gold Cardmember, Avis invites you to join the Avis Preferred programme and receive Avis Preferred Plus status, waiving the usual requirement to spend at least €1,000 across five rentals. Avis Preferred Plus elevates your car hire experience with the following benefits:

  •   Car upgrades: subject to availability, upgrade your car to the next

       highest class

  •   Priority over non-Avis Preferred members for access to the newest

       available cars

  •   Free additional driver: add an additional driver to your reservation at

       no extra cost

  •   A free weekend rental voucher after your third paid rental. Full terms

      apply – please see below 

To redeem enrol above with your email address and by using ‘Gold’ as your membership passcode.

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Tuck into £10 back with deliveroo every month.

Enrol now to enjoy all your favourite dishes Deliveroo’d to your door, and get £5 back – twice every month!* Terms apply and enrolment required*

Start your trips in style

Check your eligibility and apply now. Representative 88.8% APR variable. 18+ and subject to approval.

Spread the word, get rewarded

Love your Gold Card? Invite a friend and get rewarded if they're approved as a new Cardmember. Terms apply.

Add someone special. Add more rewards.

Ask for additional cards so you and your loved ones join forces to earn even more rewards.  18+. Subject to status.

Upgrade moments you love with Platinum

With a £300 Global Dining Credit, are you ready to upgrade to Platinum? Representative 704.6% APR variable. 18+ and subject to approval.

Terms & Conditions

1. Spend £5 at Deliveroo to receive a £5 statement credit on an eligible transaction. Offer valid twice per Card within each calendar month. Terms, payment restrictions and future communications about this benefit will apply. See Amex Offers for full benefit terms

2. Membership Rewards points are earned for every full £1 spent on purchases and charged per transaction at the following rates: one point for every full £1 spent on purchases and charged per transaction, two additional points for every full £1 spent on purchases and charged per transaction on pre-paid hotels, flights, car hire and experiences at American Express Travel (excludes cruises and The Hotel Collection), one additional point for every full £1 spent on purchases and charged per transaction directly with airlines over the phone or online via their official website or affiliated mobile apps (only transactions made directly with the airline will be included for bonus Membership Rewards points, including but not limited to flights, car hire, package holidays and insurance. Bookings made with other travel agents, comparison sites and affiliates will not be included for bonusing) and one additional point for every equivalent £1 spent on your Card in a foreign currency. You may also be eligible for a welcome bonus, something you will have been notified about at the time of your application. If eligible, you can find out more about your welcome bonus by logging in to POnline Services once you have registered, or by calling the number on the back of your Card. Supplementary Card applications are not eligible for welcome bonus offers. Membership Rewards points are not earned on interest, fees including default fees), balance transfers, cash advances (including transactions treated as cash), loading of pre-paid Cards, American Express Travellers Cheque purchases or foreign exchange transactions; and any amounts that are subsequently re-credited to your Card Account by way of refunds. More details about Membership Rewards, including full Terms and Conditions, can be found here .

3. 2,500 bonus Membership Rewards points will be awarded to your Account for each £5,000 of purchases you make within the 12-month period ending on the anniversary of your American Express Preferred Rewards Gold Cardmembership. This is subject to a limit of 12,500 bonus Membership Rewards points. Each bonus of 2,500 bonus Membership Rewards points will be awarded to your Account within 90 days of the charges from the corresponding purchases being posted to your Account. The following charges are not valid charges for the purpose of calculating your spend accrual towards this bonus in a given year: interest, fees (including default fees), balance transfers, cash advances (including transactions treated as cash), loading of pre-paid Cards, American Express Travellers Cheque purchases or foreign exchange transactions; and any amounts that are subsequently re-credited to your Card Account by way of refunds. More details about Membership Rewards, including full Terms and Conditions, can be found here .

4. Please read the Insurance Documentation for full details of the Protection benefits currently available and to understand the limits and exclusions that may apply

5. Subject to application and approval. Supplementary Cards are issued under and subject to the Terms and Conditions of your existing Cardmember Agreement, and as the main Cardmember, you will be responsible for paying all charges on any Supplementary Cards which are added to your Account. Supplementary Cardmembers must be aged 18 or over. As part of the fee, main account holders receive 1 Supplementary Card for free. Thereafter, £45 if you are on an annual fee or £4 per month if a monthly fee is applied to your Card.

6. In order to fulfil your membership with Priority PassTM, American Express Services Europe Limited needs to share the information you have provided with Priority PassTM. We will also share your date of birth with Priority Pass for ongoing identification and Account validation purposes. To find out more on how American Express uses your information please click here Priority Pass will use the information solely for the purpose of providing their services, and will not share it with any third parties. You can find more details on Priority Pass’s complete privacy notice at https://prioritypass.com/en/privacy-notice.

7. You will be entitled to four complimentary lounges visits each year you hold a valid Preferred Rewards Gold Card. These may be used by the primary Cardmember, or by the primary Cardmember and one guest. Once you have been approved for your American Express Preferred Rewards Gold Card, please allow up to 28 working days for your Priority Pass™ card to arrive in the post. In order to access Priority Pass lounges, the Cardmember must present a valid Priority Pass membership in his or her name, along with the boarding pass for same-day travel and government-issued ID. Subsequent years’ renewal Terms and Conditions are at the discretion of Priority Pass. For complete conditions of use visit prioritypass.com. Access to the Priority Pass lounges may be subject to availability or wait times. Please read the Priority Pass conditions of use for more information. You will agree to abide by the conditions of use as contained in the lounge listing. You also agree that lounges may charge lounge usage fees at the prevailing rate, and to your American Express Preferred Rewards Gold Card, for any lounge visits that exceed the four complimentary lounge visits per membership year. The lounge usage fees charged are at the discretion of Priority Pass and any changes to the lounge access fee will be advised by them.

8. If you are eligible to participate in the Referral Programme, you may refer as many friends or family members as you wish but there are annual limits on the rewards you can earn through referrals. You can earn up to a maximum of 90,000 bonus Membership Rewards points per calendar for those approved for a Card. Please only refer friends and family who are happy to receive information from American Express. Your friend must apply via the link you share with them to ensure you both receive your bonus. If your friend has already applied for the Preferred Rewards Gold Card without using this referral, you and your friend will not be eligible for the bonus. All introductory offers are subject to change, can be withdrawn at any time and are not available if your friend currently holds or has held any other personal American Express Cards in the past 24 months. Your Card Account’s eligibility to participate in the Referral Programme is based on your overall credit rating and other factors including your Account history with American Express.

9. Hertz Gold Plus Rewards enrolment is required to access the benefits, please enrol at Hertz.com/AmexBenefits 10% off Hertz's publicly available retail car rental rates excludes Special Offers, and is offered at time of booking at participating Hertz locations worldwide. One-car-class upgrade applies to standard vehicles only, on rentals of five consecutive days or more, and is subject to availability. Fee-Waived Additional Driver, must be requested at rental location prior to collection and is subject to meeting Hertz's driving requirements. In all cases, a valid Preferred Rewards Gold Card must be registered as the form of payment in your Gold Plus Reward membership profile. Benefits are only available for new reservations and Terms Apply - visit the website for full Terms and Conditions Hertz.com/AmexBenefits Reservations can be made via americanexpress.co.uk/travel , hertz.com , Hertz.com/AmexBenefits or through Hertz worldwide telephone reservations when the member’s Preferred Rewards Gold Card benefits-enabled Gold Plus Rewards membership number is entered prior to completion of the booking.

10. Enrolment in the Avis Preferred programme is required to receive this benefit, and enrolment must be completed via the enrolment process at https://member.avisworld.com/americanexpress . All Avis Preferred Terms and Conditions apply; to view these, visit www.avis.co.uk/your-avis/avis-loyalty . American Express reserves the right to instruct Avis to cancel your membership if you cease to be a Gold Cardmember or your Card Account is not in good standing. Car upgrades are subject to availability and the benefit does not apply to the hire of vans or cars within Avis’s Luxury, Select Series and Prestige ranges. Upgrades are also not available on hires of longer than 14 days. Free additional driver must meet the same minimum requirements for main drivers as set out on the Avis website . The free weekend voucher is awarded once per loyalty year after completion of the third paid Avis rental within that loyalty year. Free weekend rentals are available for a minimum of two days, and do not include fuel, optional extra services or airport surcharges. A member’s loyalty year is the 12-month period running from the date of original sign-up to Avis Preferred, and each 12-month period thereafter.

11. Valid for new bookings with participating providers of at least two consecutive nights made online through americanexpress.co.uk/travel or with The Hotel Collection Booking site . Payment must be made in full with an American Express Card in the Preferred Rewards Gold Cardmember’s name. This benefit is for Preferred Rewards Cardmembers only. The Gold Cardmember must travel on the itinerary booked. The Cardmember will receive the credit as a deduction from the final hotel bill when checking out of the hotel; they will receive $1 for each eligible dollar spent up to $100 USD. Eligible charges exclude charges for taxes, gratuities, fees and cost of room. Additional exclusions based on specific hotel restrictions may also apply (including without limitation purchases within the hotel that are unaffiliated and/or owned by third parties) - see hotel front desk for details. Credit must be used in conjunction with initial stay and cannot be carried over to another stay, is not redeemable for cash and expires at check-out. Credit is non-exchangeable and non-refundable and is applied in USD or equivalent in local currency based on exchange rate on day of arrival. Limit one credit per room, per stay. Room upgrade is based on availability and eligibility at check-in. Three-room limit per Cardmember per stay; back-to-back stays within a 24-hour period at the same property considered one stay. Participating providers and benefits subject to change. Benefits are not awarded for stays less than 2 nights. Bookings for participating hotels at The Hotel Collection made online at americanexpress.co.uk/travel will not earn 2 additional Membership Rewards points for every £1 spent, but will be earned at the normal rate of 1 point for every £1 spent. Payment must be made with American Express Card only, Cardmembers are not able to pay with Membership Rewards points for bookings made with The Hotel Collection.

If you do not pay your balance in full you may incur interest on your outstanding balance. You will still be required to pay your minimum due payments. If you only make minimum payments, it will take you longer and may cost you more to clear the outstanding balance.

American Express Services Europe Limited has its registered office at Belgrave House, 76 Buckingham Palace Road, London, SW1W 9AX, United Kingdom. It is registered in England and Wales with Company Number 1833139 and authorised and regulated by the Financial Conduct Authority.

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