Your guide to Amex's travel insurance coverage

Liz Hund

Update : Some offers mentioned below are no longer available. View the current offers here .

American Express premium credit cards offer some of the best perks in the credit card space. While lounge access and travel credits are typically the highlights of these cards, some of the lesser-known benefits, such as trip delay reimbursement and trip cancellation and interruption insurance, are becoming hot topics as the coronavirus pandemic continues to impact the travel industry.

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As a result, many TPG readers have sent in questions about Amex's travel insurance protections. As travel restrictions change, policies and best practices will likely change as well. But this guide will walk you through which Amex credit cards have these benefits, what's currently covered and how you can file a successful claim.

Related: Best credit cards for trip cancellation and interruption insurance

Amex cards offering trip delay, cancellation or interruption insurance

Here is an overview of the Amex cards that offer trip delay reimbursement, trip cancellation/interruption insurance or both:

The information for the Hilton Aspire Amex card and American Express Corporate Platinum Card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

Related: The best credit cards with travel insurance

What is covered by trip cancellation and interruption insurance?

american express travel medical insurance canada

You can find the full terms and conditions of what is generally covered on your respective card in your Guide to Benefits, which can be found through your online account. I'll use the Delta SkyMiles® Reserve as an example.

Here is a rundown of the "covered losses" provided by Amex's trip cancellation and interruption insurance:

  • Accidental bodily injury or loss of life or sickness of either the eligible traveler, traveling companion or a family member of the eligible traveler or traveling companion
  • Inclement weather, which prevents a reasonable and prudent person from traveling or continuing on a covered trip
  • The eligible traveler or his or her spouse's change in military orders
  • Terrorist action or hijacking
  • Call to jury duty or subpoena by the courts, either of which cannot be postponed or waived
  • The eligible traveler or traveling companion's dwelling made uninhabitable
  • Quarantine imposed by a physician for health reasons

Related: Book carefully if you have multiple Amex cards that offer travel protections

Amex also provides an extensive list of things that are not covered by trip cancellation/interruption insurance:

  • Pre-existing conditions
  • The eligible traveler's suicide, attempted suicide or intentionally self-inflicted injury
  • A declared or undeclared war
  • Mental or emotional disorders, unless hospitalized
  • The eligible traveler's participation in a sporting activity for which he or she receives a salary or prize money
  • The eligible traveler's being intoxicated at the time of an accident. Intoxication is defined by the laws of the jurisdiction where such accident occurs
  • The eligible traveler being under the influence of any narcotic or other controlled substance at the time of an accident, unless the narcotic or other controlled substance is taken and used as prescribed by a Physician
  • The eligible traveler's commission or attempted commission of any illegal or criminal act, including but not limited to any felony
  • The eligible traveler parachuting from an aircraft
  • The eligible traveler engaging or participating in a motorized vehicular race or speed contest
  • Dental treatment except as a result of accidental bodily injury to sound, natural teeth
  • Any non-emergency treatment or surgery, routine physical examinations
  • Hearing aids, eyeglasses or contact lenses
  • One-way travel that does not have a return destination
  • A counterfeit scheduled airline or train ticket; or a scheduled airline or train ticket which is charged to a fraudulently issued or fraudulently used eligible card.
  • Any occurrence while the eligible traveler is incarcerated
  • Loss due to intentional acts by the eligible traveler
  • Financial insolvency of a travel agency, tour operator or travel supplier
  • Any expenses that are not authorized and reimbursable by the eligible traveler's employer if the eligible traveler makes the purchases with a commercial card

If you do find yourself canceling or cutting a covered trip short, here are the basic guidelines provided by Amex on what types of expenses are covered for trip cancellation/interruption:

"If a Covered Loss causes an Eligible Traveler's Trip Interruption, we will reimburse you for the nonrefundable amount paid to a Travel Supplier with your Eligible Card for the following: 1. The forfeited, non-refundable, pre-paid land, air and sea transportation arrangements that were missed; and 2. Additional transportation expenses that the Eligible Traveler incurs less any available refunds, not to exceed the cost of an economy-class air ticket by the most direct route for the Eligible Traveler to rejoin his or her places of origin.
If a Covered Loss causes an Eligible Traveler to temporarily postpone transportation by Common Carrier for a Covered Trip and a new departure date is set, we will reimburse you for the following: 1. The additional expenses incurred to purchase tickets for the new departure (not to exceed the difference between the original fare and the economy fare for the rescheduled Covered Trip by the most direct route); and 2. The unused, non-refundable land, air, and sea arrangements paid to a Travel Supplier with your Eligible Card."

What is covered by trip delay insurance?

american express travel medical insurance canada

Trip delay coverage provides reimbursement for reasonable additional expenses incurred when your trip is delayed due to a covered hazard for more than six hours.

Coverage is limited to $500 per trip and cardmembers are only eligible for two claims each 12 consecutive month period.

Amex outlines what is not covered, which includes the following:

  • Covered losses that are made public or known to the eligible traveler prior to the departure for the covered trip
  • An eligible traveler's expenses paid prior to the covered trip

Filing a claim

When you have a delay or trip cancellation/interruption that you think qualifies for coverage, you can file a claim by calling Amex at 1-844-933-0648 within 60 days of the covered loss.

Trip delay reimbursement requires the following documentation:

  • Proof of loss – You must furnish written proof of loss to Amex within 180 days after the date of your loss
  • Receipts - Acceptable documentation includes the following:
  • A statement from the common carrier that the covered trip was delayed
  • Charge receipt
  • Copies of common carrier ticket(s)
  • Receipts for travel expenses

Trip cancellation/interruption insurance requires slightly different documentation.

  • Proof of loss – You must furnish written proof of loss to Amex within 180 days after the date of your loss. Acceptable documentation includes:
  • Court subpoenas, orders to report for active duty, physician orders, etc.
  • Copies of your common carrier tickets and travel supplier receipt
  • Your eligible card billing statement showing the charges for the covered trip
  • Copy of travel supplier's cancelation policy

After Amex receives notice of your claim, instructions will be sent on how to send the proof. Typically, you have up to 180 days to file a claim after a delay or cancellation.

Proof of flight delay or cancellation

One of the documents required to file for trip delay reimbursement is a verification form that outlines the reason for the delay or cancellation by the carrier. You can typically get this at the airport when the delay or cancellation is announced, but keep in mind that it may require a supervisor. Each U.S. major airline also has a process for requesting this information after the fact.

Here is an overview of the process that major U.S. airlines require for you to receive a delay or cancellation verification form:

Amex cards that offer car rental insurance

Unfortunately, no American Express credit cards offer primary car rental coverage, although most offer secondary coverage. You can see the entire list of cards that offer secondary car rental protection on the American Express website . However, all American Express credit cards offer an optional "Premium Car Rental Protection policy" that can be added to rentals made using the card for a small fee.

Read our guide on when to use American Express' Premium Car Rental Protection for more details on this coverage option.

american express travel medical insurance canada

You can add Premium Car Rental Protection to any American Express card . TPG has a guide of the best American Express cards , but here are some of the best cards in terms of the return you could receive when renting a car. Note, the estimated return rate for these cards is based on TPG's latest valuations:

  • Hilton Honors American Express Aspire Card: $450 annual fee (see rates and fees); 4.2% return on car rentals booked directly from car rental companies; no foreign transaction fees (see rates and fees)
  • The Blue Business® Plus Credit Card from American Express: $0 annual fee (see rates and fees); 4% return on general spending on the first $50,000 in purchases per calendar year and 1x thereafter; 2.7% foreign transaction fee (see rates and fees)
  • The Amex EveryDay® Preferred Credit Card from American Express: $95 annual fee; 3% return on general spending in billing cycles where you make 30+ purchases; 2.7% foreign transaction fee

The information for the Amex EveryDay Preferred card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

Amex cards that offer baggage insurance

american express travel medical insurance canada

If you're a frequent traveler, you've likely run into this situation at some point (it's the worst). Over the years, airlines have been working on improving the baggage system by introducing live bag tracking. Regardless, it's still a smart idea to have some protections in place, like baggage insurance.

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

This is why you need to pay attention to the benefits each of your travel rewards cards offers. Nearly all of Amex's premium rewards cards offer baggage insurance. You can check out the full list of cards and details on American Express's website.

The types of losses it covers: You're covered for losses resulting from damaged, stolen or lost baggage, including both carry-on and checked bags.

When you're covered: To be eligible for coverage, you have to travel on a common carrier, which Amex defines as any air, land or water vehicle (other than a personal or rental vehicle) that is licensed to carry passengers for hire and available to the public. Your rental car, as well as taxis and ride-share services such as Uber and Lyft, would be excluded from this protection.

To receive coverage, you also need to pay for the entire fare with an eligible American Express card or by using Membership Rewards points to book tickets through Amex Travel . Trips booked with miles from other sources — even the cobranded Delta SkyMiles cards from Amex — are excluded. Your trip also isn't covered if you used a combination of miles and dollars unless the miles came from a Membership Rewards transfer. This is a welcome change. A few years ago, a TPG staffer found out the hard way that Amex's policy didn't cover frequent flyer mile awards.

Who's covered: This policy covers both primary and additional cardholders, as well as cardmembers' spouses or domestic partners and any dependent children under 23 years old. In addition, travelers must be permanent residents of one of the 50 states, Washington, D.C., Puerto Rico and the U.S. Virgin Islands.

How much it covers: Most American Express credit cards will cover replacement costs for checked bags and their contents up to $500 per person, although so-called "high-risk items" are only covered for a maximum of $250. These items include jewelry, sporting equipment, photographic or electronic equipment, computers and audio/visual equipment. Carry-on bags are covered for up to $1,250, which is good to know since your belongings could be stolen from the overhead bins.

You'll enjoy additional coverage if you use The Platinum Card from American Express, The Business Platinum Card from American Express, the Platinum Card from American Express Exclusively for Mercedes-Benz and Morgan Stanley-branded Platinum Card (but not the Delta SkyMiles® Platinum American Express Card).

The information for the Amex Platinum Mercedes-Benz and Morgan Stanley Platinum card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

Amex cards that offer medical assistance

american express travel medical insurance canada

One of the lesser known benefits of some of Amex's most premium cards is its Premium Global Assistance. This benefit can quite literally be a lifesaver if you or an immediate family member run into any unexpected issues or accident on your trip. For example, this service can help you arrange emergency medical referrals.

All Amex cards have access to Amex's Global Assist Hotline, but the Premium Global Assist Hotline and higher level of coverage are reserved exclusively for the Amex's premium cards:

  • The Platinum Card from American Express
  • The Business Platinum Card from American Express
  • American Express Corporate Platinum Card
  • Hilton Honors Aspire Card from American Express
  • Delta SkyMiles® Reserve American Express Card
  • Delta SkyMiles® Reserve Business American Express Card
  • Marriott Bonvoy Brilliant® American Express® Card
  • American Express Centurion Card
  • American Express Business Centurion Card

The information for the Amex Centurion and Amex Business Centurion cards has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

Bottom line

Having a card with trip insurance can save you hundreds of dollars when unexpected hiccups happen in your travel plans. Still, it can be confusing to know what is covered and the right documentation you need to file a claim.

Nothing is worse than getting through an entire claims process only to be denied or have to start over because you don't have the required documentation for the insurance provider. Before you start filing a claim, make sure you have the documents listed above. Keep in mind that a provider may ask for additional documentation related to the incident, so you may have to collect receipts and other forms to help your case.

If you're starting to travel again, it's also a good idea to consider booking refundable travel . Some airlines and hotels even waive cancelation fees and/or change fees for certain fares, which can make last-minute adjustments in the case of emergencies.

Additional reporting by Stella Shon and Madison Blancaflor.

For rates and fees of the Amex Platinum card, please click here. For rates and fees of the Amex Gold card, please click here. For rates and fees of the Amex Business Gold card, please click here. For rates and fees of the Amex Green card, please click here. For rates and fees of the Hilton Aspire card, please click here. For rates and fees of the Amex Blue Business Plus card, click here. For rates and fees of the Marriott Bonvoy Brilliant card, click here. For rates and fees of the Delta SkyMiles Reserve card, please click here. For rates and fees of the Delta SkyMiles Reserve Business card, please click here. For rates and fees of the Delta SkyMiles Platinum card, please click here. For rates and fees of the Amex Business Platinum card, click here.

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Author: Lisa Jackson

By Lisa Jackson

We adhere to strict standards of editorial integrity to help you make decisions with confidence. Please be aware that some (or all) products and services linked in this article are from our sponsors.

   min read

What's the best coverage for you?

Best travel insurance in Canada

KieferPix / Shutterstock

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You’ve packed your bags, mapped your itinerary, and set your “out of office” message – it’s vacation time! But what about travel insurance?

According to a 2019 study by the Travel Health Insurance Association of Canada, 13% of Canadians aren’t sure if they have travel insurance before they go on vacation. Of those who have bought insurance, 17% don’t know what their policy covers.

As a professional travel writer, I find this rather alarming. Canadian health insurance is not valid outside Canada, and your provincial or territorial health plan may not cover all the costs even if you’re travelling domestically. If you suffer an accident or get sick abroad, unexpected medical bills can bankrupt you. It’s why the Canadian government  advises all travellers to buy travel insurance , and I never leave the country without it. Whether you’re taking a two-week trip or a gap year abroad, every one needs the best travel insurance in Canada, regardless of age, health status, destination, or length of vacation.

World Nomads: Best for thrill seekers

Designed for adrenaline lovers with wanderlust, World Nomads insures a long list of adventure sports, activities and volunteer/work experiences, as well as sporting equipment delay/loss/theft. You also get access to a 24/7 hotline that provides information that adventure travellers may need: weather reports and travel advisories, assistance locating the nearest trail, and finding a gear shop.

World Nomads

The standard policy covers emergency medical expenses up to $5 million, emergency dental, trip cancellation/interruption/delay, baggage delays/theft/damage, and more. The downside: you must be under 66 years of age to qualify.

CAA Travel Insurance: Best for families

A long-trusted Canadian institution, CAA travel Insurance offers flexible travel plans to suit every type of traveller and vacation, but their policies are particularly great for families. Their stand-alone emergency medical policy of up to $5 million in health coverage is extremely comprehensive, even including medical repatriation, emergency dental, and reimbursements for pet care and kenneling.

CAA

The Vacation Package Plan provides full cancellation/interruption insurance – ideal for prepaid, all-inclusive vacation packages – as well as family transportation and escort of children during emergencies. Anyone can buy CAA travel insurance, but members get a 10% discount.

CAA’s emergency medical plans also now include coverage for COVID-19-related illnesses for vaccinated customers. Coverage is up to $2.5 million if partially vaccinated and up to $5 million if fully vaccinated.

Blue Cross: Best for seniors and retirees

Blue Cross has been around for more than 70 years, and 1 in 4 Canadians utilize its travel insurance. Blue Cross’s emergency medical covers up to $5 million. It has special “snowbird” travel insurance packages designed for Canadians who head to warmer climates each year, making Blue Cross ideal for retirees.

Blue Cross

Part of the package is the recently launched Serenity Service. This free perk provides a range of benefits if your flight is delayed, including access to an airport lounge or even a hotel room (depending on the length of the delay). Pre-existing conditions are generally not covered.

Travel CUTS Bon Voyage Insurance: Best for budget travellers

Starting at only $1.36 a day, Travel CUTS Bon Voyage Insurance offers very affordable travel insurance packages, and it’s personally been my “go-to” travel policy for years. Yes, it’s geared toward students (e.g., you can swap your travel dates at no charge due to an exam schedule conflict), but anyone between 15 and 50 years of age can purchase a policy.

Travel CUTS

The standard package includes hospital and medical up to $1 million, dental care, air ambulance evacuation, flight accident, accidental death or dismemberment, and trip interruption/cancellation insurance. Adventure and extreme sports are also covered.

Manulife CoverMe: Best for Canadians with pre-existing medical conditions

Manulife CoverMe offers highly comprehensive Canadian travel insurance packages for those travelling as a family, a visitor to Canada, or a student. You also get access to the TravelAid mobile app, which provides directions to the nearest medical facility and local emergency telephone numbers.

<a href="https://www.coverme.com/travel-insurance.html?province=ON&agecode=0" target="_blank">Manulife CoverMe</a>

However, the stand-out feature is arguably TravelEase – a special policy designed to cover fully disclosed medical conditions. For travellers with pre-existing conditions, it insures a bunch of expenses for health services and transportation. It provides up to $10 million in emergency medical benefits – a unicorn in the travel insurance world.

Medipac Travel Insurance: Best for emergency medical assistance

Medipac is one of the only travel insurance companies out there that is staffed by their own team of trained medical professionals, via their Medipac Assistance hotline. Medipac’s medical professionals are your first point of contact in an emergency medical situation. This service is also helpful for dealing with foreign medical systems and helping to prevent unnecessary expenses when dealing with a large deductible.

Medipac Travel Insurance

Medipac offers several competitive features for their travel insurance plans, including no age limits, a claim-free discount, and a 90-day stability period for most pre-existing conditions. If your pre-existing medical condition isn’t covered by a standard Medipac insurance plan, Medipac also offers personalized, underwritten insurance policies to help you meet your needs.

Medipac is offering a 5% Vaccine Discount to clients who have received a minimum of one dose of a COVID-19 vaccine, as well as the new MedipacMAX option. This COVID insurance option provides maximum coverage of up to $5 million USD for COVID-19, in addition to its other benefits.

Allianz Travel Insurance: Best for frequent travellers

Touted as a world leader in the Canadian travel insurance and assistance industry, Allianz Travel Insurance is a major provider of travel insurance, corporate assistance, and concierge services. It seeks to help its customers find solutions to various travel-related problems. Allianz Travel has partnered with many reputable companies, including travel agencies, airlines, resorts, websites, event ticket brokers, corporations, universities, and credit card companies.

<a href="https://www.allianztravelinsurance.com/" target="_blank">Allianz Travel Insurance</a>

Allianz Travel Insurance is a great choice for anyone looking for travel insurance. Its single-trip plans are perfect for those leaving home and visiting another destination (or destinations) before going back home. Its parent company, Allianz Global Assistance, has five plans to choose from, all offering different levels of protection and coverage.

Allianz Travel Insurance’s annual/multi-trip plans are perfect for both personal and professional travelers who take multiple trips in a year. It offers four distinct options to choose from.

Will my provincial insurance be valid overseas?

No! If you get sick or injured overseas, the Canadian government will not cough up a dime to cover your medical costs. Here are the sobering facts:

  • Canadian public health insurance is not valid outside of Canada.
  • Foreign hospitals can be extremely expensive and may demand payment before treating you.
  • The Canadian government will not pay a Canadian’s medical bills for an illness or accident suffered abroad. You’re on the hook for footing the bill!

Will my provincial insurance work in another province/territory?

Flash your valid provincial health card in another part of Canada, and you’ll likely be covered for some of the same services insured by your home provincial plan. This is because the provinces and territories (except Quebec) signed an agreement whereby the host province foots the bill for any medically necessary health care services and gets reimbursed by the home province later.

However, that doesn’t mean you’re completely out of the woods. Depending on your destination, a slew of other services may not be covered, such as an ambulance, hospital transfer, prescription drugs, transportation back to your home province, and procedures not currently approved by your home plan.

Plus, since Quebec wasn’t a signatory to the interprovincial billing agreement, you’ll likely be charged for any medical bills incurred there. For this reason, it’s recommended that you buy extra travel insurance (or verify your  credit card’s travel insurance coverage ) to cover any uninsured health care services that may crop up during your trip.

What does the best travel insurance in Canada cover?

Every travel insurance policy is different and what’s covered depends on how much you’re willing to pay for coverage. Typical medical services that you can expect to be covered include:

  • Emergency hospital and medical costs
  • Ambulance and air ambulance costs
  • Outpatient services
  • Physician and laboratory costs
  • Prescription drugs
  • Direct payment to the hospitals and doctors caring for you
  • Assistance with bringing a family member to your bedside
  • Air ambulance or commercial repatriation home
  • Return of your vehicle if you are ill and have to come home

Additional benefits may include:

  • Trip cancellation for non-refundable monetary losses
  • Trip interruption
  • Baggage loss, rental car damage, out-of-pocket expenses
  • Accidental death and dismemberment

How much coverage do I need?

Securing a policy with a minimum of $1M maximum payable is a safe bet. But don’t just look at the numbers when choosing a policy – read the fine print. Every insurer has a list of situations in which coverage is not provided, otherwise known as “exclusions.” Check whether your provider includes coverage or has provisions for the following:

  • Pre-existing medical conditions: According to the International Association for Medical Assistance to Travelers, a pre-existing condition is “something that happened (or started to happen) before you were insured.” Some policies may cover claims relating to pre-existing conditions that are “stable and controlled,” but read the definitions carefully. If you don’t declare a condition, the entire policy could be invalidated!
  • Medical evacuation: Ensure the policy covers medical evacuation to the nearest hospital and/or to Canada and the costs of a medical escort to accompany you to your final destination.
  • Repatriation in case of death: On the grim side, ensure that your plan covers the preparation and return of your remains to Canada.
  • Adventurous Activities: If you plan on engaging in “high-risk” activities on your trip, you may need to shell out extra dough for a more comprehensive plan. Many policies don’t cover “risky” activities, such as skiing or snowboarding “out of bounds,” skydiving, scuba diving, white-water rafting, mountaineering, or participation in any rodeo activity. To cover your bases, ask questions and get specifics before purchasing a policy.

You may have to pay more to have these things included, but a few extra bucks may be worth it for peace of mind.

Should I buy “a la carte” travel insurance or get a travel credit card with free insurance?

A credit card with travel insurance is always a good thing to carry in your wallet. The  best travel credit cards in Canada  usually cover everything from emergency medical costs to trip cancellation/interruption to flight delay to rental car insurance, which could save you a wad of cash.

The  Scotiabank Gold American Express ® Card  has saved my butt a few times, and I’ve filed several travel-related claims through my card. I cancelled my trip to Portugal a few years ago due to a death in the family, and I got a full refund on my hotel deposit and flights for myself, my husband, and my baby. It totally justified the $120 annual fee.

That being said, don’t rely on your credit card to take care of all your travel insurance needs. It usually includes a basic policy, meaning it offers low (or no!) travel medical insurance as part of the package. Like any travel insurance company policy, you’ve really got to read the fine print and understand the conditions of your policy to avoid sticky situations.

For instance, the Scotiabank Gold American Express ® Card requires a cardholder to have charged at least 75% of trip expenses to make a trip cancellation/interruption insurance claim. So if you book an all-inclusive vacation for $5,000 and then cancel due to illness, at least $3,750 must have been charged onto your AMEX to qualify for a claim. If you didn’t do that, you’re out of luck.

Can I still purchase insurance if i’ve already started my vacation?

The short answer: most insurance providers won’t cover you after your departure date. However, a handful of insurers (such as World Nomads) will allow you to purchase a policy while already overseas. Just know that it can come with sky-high costs and/or conditions: World Nomads has a 48-hour waiting period before coverage kicks in. The bottom line? It’s always best to buy travel insurance before leaving the country.

Can I get travel insurance for part of a trip?

Some plans offer insurance coverage options that will allow you to customize your coverage, but you’ll have to research to find one that works for your unique circumstances. Alternatively, you could take out an insurance policy for each destination and/or segment of your trip.

For instance, you could get a World Nomads policy for the two weeks you’re scuba diving in Australia, followed by a basic Travel CUTS Bon Voyage insurance to cover a month-long trip to Europe. However, when you buy Canadian travel insurance, you must select a trip start and end date – meaning you must know the exact dates for travelling to those places.

Should I carry a printout of my policy with me at all times?

I recommend carrying the travel insurance card in your wallet and locking it up in the hotel safe with other important travel documents like my passport. But don’t rely totally on paper: Wallets get lost or stolen, luggage can be delayed or M.I.A., and papers are easy to misplace when you’re on the road. My advice is to send a copy of the policy to your email and save it on your iCloud or another storage system that can be accessed anywhere, anytime.

Recommended reads

  • What’s the Added Value of a Credit Card with Travel Insurance?
  • The Best Travel Rewards Programs in Canada
  • Aeroplan vs. AIR MILES vs. Avion

About our author

Lisa Jackson

Lisa Jackson is a freelance personal finance and travel journalist, editor, and blogger who contributes to various online and print media outlets in Canada and abroad, including The Globe & Mail, Toronto Star, Islands Magazine, Fodors, BRIDES, Huffington Post Canada, CAA Magazine, The Food Network, West Jet Magazine, NUVO Magazine, and many others. When she's not writing from her home office, she's busy globe-trotting to new destinations in search of her next story.

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Travel Insurance

Travel insurance for Canada

Mandy Sleight

Alyce Meserve

Alyce Meserve

“Verified by an expert” means that this article has been thoroughly reviewed and evaluated for accuracy.

Heidi Gollub

Heidi Gollub

Updated 5:04 a.m. UTC Jan. 25, 2024

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  • Travel insurance can cover injuries or illnesses while you’re traveling in Canada, as your domestic health insurance may not travel with you across the border.
  • The best travel insurance for Canada will also cover costs associated with trip cancellation, delay and interruption.
  • If you plan to travel with high-value items like a laptop, smartphone or camera, ensure the travel insurance you buy has enough per-item coverage for lost, damaged or stolen belongings.

Many U.S. travelers flock to our northern neighbor to take in Canada’s cultural experiences and stunning remote landscapes. While travel insurance isn’t a requirement to enter Canada, it may be worth purchasing for the benefits, like medical insurance, trip cancellation and baggage coverage.

“Even if Canada doesn’t feel too far from the U.S., being out of the country can be stressful, and any unexpected costs that get in your way, from lost baggage to getting sick or injured, can make any mishaps even more upsetting,” said Daniel Durazo, spokesperson for Allianz Global Assistance. “With the right travel insurance policy, you can ease your mind from unexpected travel scenarios or outrageous out-of-pocket bills.” 

Here’s what you should consider when buying travel insurance for Canada.

Understanding travel insurance for Canada 

Understanding Canada travel insurance can make choosing a policy easier. Compare plans to see which policies meet your travel needs. For example, some plans have exclusions for adventure activities, such as rock climbing without equipment, but may offer an adventure sports bundle as an upgrade. 

There are also various limitations on medical coverages, trip delay, trip interruption and trip cancellation benefits that could make one policy better than another for your Canada trip.

It’s best to buy travel insurance soon after making your first trip deposit. This way you’re covered for a longer period, at no additional cost. 

“Travel insurance policies typically only cover unknown and unforeseen situations, from unexpected injuries or illness to flight cancellations and weather-related events,” said Durazo. “If you wait until you have a problem, you likely won’t be covered.”

Buying travel insurance coverage within 14 days of your first trip deposit ensures you get the most benefits. Depending on the plan, buying early could also make you eligible for a pre-existing condition waiver. This means the insurance provider won’t look back at your medical records if you file a claim for a medical condition you already had before buying the policy.

But if you have a trip coming up soon, don’t worry — you can buy a travel insurance policy up to 24 hours before your departure date.

Key coverage considerations for travel insurance in Canada 

The best travel insurance plans bundle together several types of insurance, from trip cancellation insurance to travel medical insurance. No matter what your plans are once you enter Canada, consider these key coverages when researching travel insurance to Canada. 

Trip cancellation insurance  

Sometimes, things happen that require you to cancel your trip. Maybe a family member was going to watch your kids while you’re gone, and they’re now too sick to take care of them. Or severe weather impacts the airline, grounding your flight for the days you planned to be in Canada.

Trip cancellation insurance will reimburse up to 100% of prepaid, nonrefundable expenses, like a flightseeing tour in the Yukon or a Johnston Canyon tour in Banff, if you have to cancel your trip for a covered reason. Other reasons you might have to cancel include family emergency, job loss, severe injury or sickness, terrorism or military deployment. 

However, you can’t cancel for any reason — like a falling out with your travel companion — and get reimbursed, unless you upgrade your travel insurance plan to “cancel for any reason” (CFAR) coverage. Although CFAR can add around 50% to your travel insurance costs, the ability to cancel for any reason and receive up to 75% of your nonrefundable expenses can make the extra expense worth it. Just make sure you cancel at least 48 hours before your departure date and time to get this benefit.

Delays in your Canada trip  

If you’re headed to Canada during winter, severe weather could shut down the airport or cause flight delays. If you’re flying from Baltimore to Whistler with a connection in Chicago, but a winter storm causes delays in Baltimore, you might miss your connecting flight to Vancouver.

Most travel insurance plans will reimburse for meals and hotel accommodation expenses you incur from a travel delay. But to be eligible, the delay usually has to be at least six hours, with some policies requiring 12 consecutive hours before trip delay coverage kicks in. Seven Corners, for instance, will reimburse up to $250 per day per person to a maximum of $2,000 for a delay of at least six hours.

Trip insurance with delay benefits will also reimburse for prepaid expenses you miss out on because of a covered delay. So, if you miss out on your first two days at the ski lodge and can’t transfer or exchange prepaid snowboarding lessons, you can file a claim.

Tackling trip interruption  

The last thing you’d expect while taking in the Halifax, Nova Scotia sites is to have a family emergency back home. If you get a call that your mom fell down the stairs and is in the hospital with a broken leg, you’ll probably be ready to catch the next flight home to be with her.

Luckily, travel insurance includes trip interruption benefits, which can help you get there without a large out-of-pocket expense. Trip interruption coverage will pay for your one-way ticket back home and cover any prepaid accommodations and tours you’ll miss from having to shorten your trip.

Dealing with lost bags and belongings  

Travel insurance will also cover baggage loss and personal items that get damaged, stolen or lost while you’re traveling. So if you check your hiking poles and boots and they get damaged or lost during the flight, your travel insurance will reimburse you for the depreciated cost of those items.

You’ll also have coverage if someone steals your backpack while you’re sightseeing in Toronto. If you’re traveling with high-value items, make sure you have enough coverage. Many travel insurance plans have a $500 to $1,000 cap on certain items like cameras, watches and computers. Some policies also exclude coverage for smartphones.

Making plans for medical bills in Canada

Don’t be surprised if your health insurance provides little to no coverage in Canada or requires you to pay a large out-of-pocket deductible, said Carol Mueller, spokesperson for Berkshire Hathaway. Canada doesn’t accept Medicare from the U.S., and your health insurance won’t cover you unless you have global coverage. The Government of Canada will also not cover hospital and medical expenses for visitors, including American tourists.

Whether you’re planning to hit the slopes, go hiking or just take advantage of what the swanky resort you splurged on has to offer, you never know when you might fall ill or get hurt. This is where travel medical insurance can help. 

Allianz’s OneTrip Prime single-trip plan will pay up to $50,000 for your medical expenses, such as X-rays, prescriptions, doctor’s visits or a hospital stay. Other plans, such as as some in our rating of the best travel insurance for seniors cover up to $500,000.

Even if you’re up-to-date on your COVID-19 vaccines, you might still want to consider a travel insurance plan that covers COVID-related medical treatment, like those in our rating of the best COVID-19 travel insurance .

Evacuation for serious medical issues   

Travel health insurance with medical evacuation coverage is critical if you plan to travel to remote areas of Canada. The nearest trauma facility equipped to treat your medical emergency might be hundreds of miles away, requiring a medevac to get you there.

If you don’t have medical plan coverage, you could be on the hook for thousands of dollars in medical costs and private medical transportation. Travel insurance provides emergency medical evacuation coverage . 

The Allianz OneTrip Prime and Berkshire Hathaway’s ExactCare travel plans will cover up to $500,000 for emergency medical transportation and repatriation of remains. Travel Guard and Seven Corners plans will each provide up to $1 million. 

What is the cost of Canada travel insurance? 

There are several factors insurers use to determine the cost of a travel insurance policy , including age, trip cost, destination and length of the trip. In general, you can expect travel insurance to cost about 5% to 6% of your total trip cost.  

When calculating the trip expenses to insure, only include those that are nonrefundable. If your prepaid, nonrefundable flights, accommodations and tours total $5,000, you can expect to pay around $275 for travel insurance. You may pay more if you choose a plan with higher coverage limits and upgrades.

Companies use different criteria and weigh factors differently than other providers, so comparing travel insurance policy quotes can help you find the most comprehensive plan for the best price. You can use travel insurance comparison sites like Squaremouth to compare coverage limits and add-on coverage such as rental car, “cancel for any reason” and adventure sports. 

Key benefits of having travel insurance for your Canada trip  

Even though you’re not flying across an ocean, that doesn’t mean you shouldn’t buy a travel insurance plan. Some of the key benefits of having travel insurance for your Canada trip include:

  • Not stressing or worrying about not having government health insurance plan coverage since you’re not a Canadian resident.
  • Not losing out on your nonrefundable, prepaid trip costs if something unforeseen occurs and you have to cancel your trip or head home early.
  • Knowing that if your trip is delayed or canceled, or you lose a bag or get something stolen, you have coverage to recoup at least some of your out-of-pocket costs.

The right travel plan can provide peace of mind, and many policies will pay for themselves if you need to make a claim for a covered reason.

Tips for choosing the best travel insurance provider for your Canada trip  

Comparing travel insurance companies can help you make the right choice when choosing a travel insurance product. Check customer reviews and complaints on websites like Trustpilot. Travel insurance comparison sites like Squaremouth and InsureMyTrip can also help you identify the best travel insurance company and most generous policy.

Don’t be afraid to call an insurance company to ask them “what if?” questions to ensure you’re getting the right policy. “You should feel confident in the coverage you purchase and trust you will receive the level of claims service you deserve if you need to file a claim,” said Mueller.

You should always read the fine print to know your policy’s limitations and exclusions. This includes restrictions on trip delay, cancellation and interruption benefits, and understanding what you’ll need to file a claim for baggage damage, loss, or medical care. 

Tip: Most travel insurance companies offer a 10 to 15 free look period, which allows you to review the policy and cancel it for a full refund if you decide it’s not the best choice.

Other insurance considerations for Canada 

If you’re planning to participate in adventure activities, like dogsledding in the Yukon, kayaking the Johnstone Strait to see orcas or surfing and hiking in the Pacific Rim National Park Reserve, you want to make sure you’re covered. 

World Nomads Explorer travel insurance plan covers more than 200 adventure activities. You can also get extreme sports coverage, license fees and equipment delay coverage with Berkshire Hathaway’s AdrenalineCare travel plan. Travel Guard offers an Adventure Sports Bundle optional upgrade, which waives benefit exclusions for adventure and extreme activities.

We mentioned CFAR coverage above, but some policies also offer optional “interruption for any reason” (IFAR) coverage. It works like CFAR, allowing you to end your trip early for any reason, not just those listed in your policy. Seven Corners offers a CFAR and IFAR upgrade for up to 75% of nonrefundable trip costs as long as you purchase it within 20 days of your first trip payment.

Road trips are also a popular way to see Canada’s beauty. If you plan to rent a car, it may be worth getting rental vehicle coverage if your credit card doesn’t offer it. World Nomads will cover up to $35,000 in collision damage waiver, while Travel Guard’s rental vehicle damage coverage will pay up to $50,000 in damage to your rental vehicle. Note that this coverage does not include liability insurance , if you are at fault for an accident that results in injuries or damage to others’ property. Check with your car insurance company to make sure your U.S. auto insurance coverage extends to driving in Canada. 

Travel insurance for Canada FAQs

Travel insurance is not a requirement to travel to Canada. However, travel insurance will provide travel medical insurance and emergency medical evacuation coverage, as well as benefits for lost or delayed baggage, trip delay, cancellation or interruption and sometimes missed connections. 

The average cost of travel insurance is around 5% to 6% of your travel costs to Canada. Your age, trip cost and other factors determine how much you’ll pay for travel insurance.

To find the best travel insurance for Canada, fill out a brief online form on an insurer’s website with your name, age, address and details about your trip, like the total cost and number of travelers. A travel insurance comparison site like Squaremouth allows you to fill out one application and get multiple quotes at the same time. 

The best travel insurance in Canada depends on where you’re going, what activities you’re doing and the types of coverage you need. After comparing dozens of providers, we found WorldTrips , Travel Insured and TravelSafe are among the best travel insurance companies .

Blueprint is an independent publisher and comparison service, not an investment advisor. The information provided is for educational purposes only and we encourage you to seek personalized advice from qualified professionals regarding specific financial decisions. Past performance is not indicative of future results.

Blueprint has an advertiser disclosure policy . The opinions, analyses, reviews or recommendations expressed in this article are those of the Blueprint editorial staff alone. Blueprint adheres to strict editorial integrity standards. The information is accurate as of the publish date, but always check the provider’s website for the most current information.

Mandy Sleight

Mandy is an insurance writer who has been creating online content since 2018. Before becoming a full-time freelance writer, Mandy spent 15 years working as an insurance agent. Her work has been published in Bankrate, MoneyGeek, The Insurance Bulletin, U.S. News and more.

Alyce Meserve is an experienced insurance, personal finance and travel writer. Alyce is a licensed insurance professional in life, health and property and casualty, and holds an Executive Certificate in Financial Planning from Duke University.

Heidi Gollub is the USA TODAY Blueprint managing editor of insurance. She was previously lead editor of insurance at Forbes Advisor and led the insurance team at U.S. News & World Report as assistant managing editor of 360 Reviews. Heidi has an MBA from Emporia State University and is a licensed property and casualty insurance expert.

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The Guide to American Express Travel Insurance

Elina Geller

Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money .

Table of Contents

American Express travel insurance vs. coverage provided by AmEx cards

Complimentary travel insurance provided by amex cards, trip cancellation and interruption insurance, trip delay insurance, car rental loss and damage insurance, baggage insurance, premium global assist, global assist hotline, standalone american express travel insurance plans, should you use the complimentary benefits or purchase a policy, amex travel insurance recapped.

American Express has two different types of travel insurance offerings: standalone travel insurance plans that customers can purchase and travel insurance that is included as a complimentary benefit on certain cards. 

So if you’re thinking about getting travel insurance before a trip, get familiar with American Express travel insurance benefits that are included on your credit cards. Knowing what protections you already have will prevent you from spending money on a separate policy with benefits that overlap.

A standalone travel insurance policy from American Express may offer more robust coverage, but depending on your needs, the travel insurance perks provided by your AmEx card may be sufficient. 

If you primarily want specific coverage for cancellations, delays or rental cars and baggage, it’s likely your card will be enough.

If, however, you’re mainly concerned with emergency health coverage while traveling , you’re better off with a separate medical insurance policy because the benefits provided by credit cards are limited in those areas. You can purchase this from American Express directly or shop around other travel insurance companies .

» Learn more: How to find the best travel insurance

There are six travel insurance benefits offered on many American Express cards:

Trip cancellation and interruption insurance .

Trip delay insurance .

Car rental loss and damage insurance .

Baggage insurance plans .

Premium Global Assist Hotline .

Global Assist Hotline .

Here's a closer look at each.

american express travel medical insurance canada

Trip cancellation will protect you if you need to cancel your trip for a covered reason (more below), and you will be reimbursed for any nonrefundable amounts paid to a travel supplier with your AmEx card. Bookings made with Membership Reward Points are also eligible for reimbursement. Travel suppliers are generally defined as airlines, tour operators, cruise companies or other common carriers.

Trip interruption coverage applies if you experience a covered loss on your way to the point of departure or after departure. AmEx will reimburse you if you miss your flight or incur additional transportation expenses due to the interruption. American Express considers the following to be covered reasons:

Accidental injuries.

Illness (must have proof from doctor).

Inclement weather.

Change in military orders.

Terrorist acts.

Non-postponable jury duty or subpoena by a court.

An event occurring that makes the traveler’s home uninhabitable.

Quarantine imposed by a doctor for medical reasons.

There are many reasons that are specifically called out as not covered (e.g., preexisting conditions, war, self-harm, fraud and more), so we recommend checking the terms of your coverage carefully.

If you want a higher level of coverage for trip cancellation, consider purchasing Cancel For Any Reason (CFAR) travel insurance . CFAR is an optional upgrade available on some standalone travel insurance plans. This supplementary benefit allows you to cancel a trip for any reason and get a partial refund of your nonrefundable deposit.

Alternately, if you want what essentially amounts to CFAR insurance on your flights specifically, purchase your fares through the AmEx Travel portal and tack on Trip Cancel Guard for an extra fee. Trip Cancel Guard guarantees you an up to 75% refund on nonrefundable airfare costs when you cancel at least two days before departure, regardless of why. This isn't as comprehensive as other CFAR policies, but it can add some peace of mind for people who want the cash back (as opposed to a travel credit) for flights they may not take.

AmEx cards with trip cancellation, interruption coverage

The following American Express credit cards offer trip cancellation and trip interruption coverage:

The Platinum Card® from American Express .

The Business Platinum Card® from American Express .

Centurion® Card from American Express.

Business Centurion® Card from American Express.

The Corporate Centurion® Card from American Express.

The Platinum Card® from American Express for Ameriprise Financial.

The American Express Platinum Card® for Schwab.

The Platinum Card® from American Express for Goldman Sachs.

The Platinum Card® from American Express for Morgan Stanley.

Corporate Platinum Card®.

Delta SkyMiles® Reserve American Express Card .

Delta SkyMiles® Reserve Business American Express Card .

Hilton Honors American Express Aspire Card .

Marriott Bonvoy Brilliant® American Express® Card .

Terms apply.

Covered amount

The maximum reimbursed amount for the trip cancellation benefit is $10,000 per covered trip and $20,000 per year. The trip interruption benefit is also $10,000 per covered trip and $20,000 per year. Coverage is secondary and applies after your primary policy provides reimbursement. Claims must be filed within 60 days. To start a claim, call 844-933-0648.

This benefit will reimburse you for reasonable, additional expenses incurred if a trip is delayed by a certain number of hours. Examples of eligible expenses include meals, lodging, toiletries, medication and other charges that are deemed appropriate by American Express. It makes sense to use your judgment in terms of what will get approved based on your policy's fine print.

Acceptable delays include those that are caused by weather, terrorist actions, carrier equipment failure, or lost/stolen passports or travel documents. There are also plenty of exclusions, such as intentional acts by the traveler.

AmEx cards with trip delay insurance

The reimbursable amount depends on which card you hold, and you are allowed two claims per 12-month period. As expected, the more premium travel credit cards offer higher compensation for shorter delays. Trip delay insurance is offered on the following American Express credit cards:

When you decline the collision damage waiver offered by the car rental agency, you will be covered if the car is damaged or stolen through your AmEx Travel Insurance. Depending on the card you have, the coverage is $50,000 or $75,000.

» Learn more: How AmEx car rental insurance works

In addition, the cards offering car rental damage and theft insurance up to of $75,000 also provide secondary benefits:

Accidental death or dismemberment coverage.

Accidental injury coverage.

Car rental personal property coverage.

To qualify, you must decline the personal accident coverage and personal effects insurance provided by your car rental company.

The entire rental must be charged on the American Express credit card to receive coverage for car rental loss and damage. And keep in mind that you do still need liability insurance when making your rental car reservation (you may have this through your personal auto insurance policy), as these credit card-provided coverage options don't include personal liability.

AmEx cards with car rental coverage

American Express lists over 50 different cards on its site that come with one of the two forms of car rental insurance. Cards that link to the Tier 1 policies are the $50,000-coverage cards, and Tier 2 policies are the $75,000 cards.

The amount reimbursed is calculated as whichever is lowest:

The cost to repair the rental car.

The wholesale book value (minus salvage and depreciation).

The invoice purchase price (minus salvage and depreciation).

Here are some key exclusions to be aware of with this coverage:

These policies don't cover theft or damage that was caused by a driver’s illegal operation of the car, operation under the influence of drugs/alcohol or damage caused by any acts of war.

Policies don't cover drivers not named as "authorized drivers" on your rental agreement.

The benefit only covers car rentals up to 30 consecutive days.

Not all cars are included in the policy. Certain trucks, vans, limousines, motorcycles and campers are excluded from coverage.

Insurance protection doesn't apply in Australia, Italy, New Zealand and any country subject to U.S. sanctions .

You can file a claim online or call toll-free in the U.S. at 800-338-1670. From overseas, call collect 216-617-2500. Your claim must be filed within 30 days of the loss. Additionally, some benefits vary by state, so check the policy for your specific card.

» Learn more: The guide to AmEx Platinum’s rental car insurance

As an American Express cardholder, you are eligible to receive compensation if your luggage is lost or stolen. This benefit is in addition to what you may receive from the carrier. However, the AmEx policy is secondary, which means that it kicks in after the carrier provides any compensation for losses.

AmEx provides this insurance to "covered persons," who are defined as:

The cardmember.

Their spouse or domestic partner.

Their dependent children who are under 23 years old (there are age exceptions for handicap children).

Some business travelers (Tier 2 coverage only).

To qualify, all covered individuals need to be traveling on the same reservation and must be residents of the U.S., Puerto Rico or the U.S. Virgin Islands.

AmEx cards with baggage insurance

Naturally, the higher-end cards offer more protection — but even the basic cards have decent coverage. The compensation limits per person are as follows (note that the maximum payout per covered person for lost luggage is $3,000 on all of these cards).

Below are the limits for cardholders of the The Platinum Card® from American Express , The Business Platinum Card® from American Express , The American Express Platinum Card® for Schwab, The Platinum Card® from American Express for Goldman Sachs, The Platinum Card® from American Express for Morgan Stanley, Hilton Honors American Express Aspire Card , Marriott Bonvoy Brilliant™ American Express® Card, Centurion® Card from American Express and Business Centurion® Card from American Express:

Baggage in-transit to/from common carrier: $3,000.

Carry-on baggage: $3,000.

Checked luggage: $2,000.

Combined maximum: $3,000.

High-end items: $1,000.

And here are the coverage limits for cardholders of the American Express® Gold Card , American Express® Business Gold Card , American Express® Green Card , Business Green Rewards Card from American Express , Hilton Honors American Express Surpass® Card , Marriott Bonvoy™ American Express® Card, Marriott Bonvoy Business® American Express® Card , Delta SkyMiles® Reserve American Express Card , Delta SkyMiles® Reserve Business American Express Card , Delta SkyMiles® Platinum American Express Card , Delta SkyMiles® Platinum Business American Express Card , Delta SkyMiles® Gold American Express Card and Delta SkyMiles® Gold Business American Express Card , The Hilton Honors American Express Business Card :

Baggage in-transit to/from common carrier: $1,250.

Carry-on baggage: $1,250.

Checked luggage: $500.

High-end items: $250.

As of Jan. 1, 2020, the Hilton Honors American Express Card , The Amex EveryDay® Preferred Credit Card from American Express and The Blue Business® Plus Credit Card from American Express no longer offer baggage insurance protections.

AmEx also offers limited reimbursement for high-end items (coverage varies by card), such as:

Sports equipment.

Photography or electronic equipment.

Computers and audiovisual equipment.

Wearable technology.

Furs (including items made mostly of fur and those trimmed/lined with fur).

Items made fully or partially of gold, silver or platinum.

Claims must be filed within 30 days of your baggage loss. To file a claim, call 800-645-9700 from the U.S. or collect to 303-273-6498 if overseas. You can also file a claim online.

» Learn more: Compare travel insurance options: airline or credit card?

This benefit helps with events like replacing a lost passport, missing luggage assistance, emergency legal and medical referrals, and in some instances, emergency medical transportation assistance.

The service can also help you figure out important travel-related details like customs information, currency information, travel warnings, tourist office locations, foreign exchange rates, vaccine recommendations for the country you’re visiting, passport/visa requirements and weather forecasts.

AmEx cards with Premium Global Assist

Premium Global Assistance is offered on the following American Express credit cards:

Marriott Bonvoy Brilliant™ American Express® Card.

Services provided by Premium Global Assist Hotline

The hotline isn’t so much a concierge as a service that provides logistical assistance, which can include the following:

General travel advice

Emergency translation if you need an interpreter to help with legal or medical documents (cost isn't covered).

Lost item search if your belongings are lost while traveling.

Missing luggage assistance if an airline loses your luggage. The hotline will contact your airline on a daily basis on your behalf to help locate your bags.

Passport/credit card assistance if your credit card or passport is lost or stolen.

Urgent message relay if you need to contact a family member and/or friend in the event of an emergency.

Medical assistance

Emergency medical transportation assistance if the cardmember or another covered family member traveling on the same itinerary gets sick or injured and needs medical treatment (there are many conditions for this coverage; review your policy’s fine print).

Physician referral if you need a doctor or dentist (cardmember is responsible for costs).

Repatriation of remains in the event of death.

Financial assistance

Emergency wire service to get help obtaining cash (fees will be reimbursed).

Emergency hotel check in/out if your card has been lost or stolen.

Legal assistance

Bail bond assistance if you need access to an agency that accepts AmEx (cardmember is responsible for paying bail bond fees).

Embassy and consulate referral if you need help finding or accessing local embassies.

English-speaking lawyer referral if you’re traveling and need a list of available attorneys (cardmember is responsible for any legal fees).

To use this benefit, call the Premium Global Assist Hotline toll-free at 800-345-AMEX (2639). You can also call collect at 715-343-7979.

The main difference between the Global Assist Hotline and the Premium version is that some of the services that are fully covered by Premium Global Assist aren't covered in the more basic version (cited examples include emergency medical transportation assistance and repatriation of mortal remains).

AmEx cards with Global Assist Hotline access

The Global Assist Hotline is available to holders of the following cards:

American Express® Gold Card .

American Express® Business Gold Card .

American Express® Green Card .

Business Green Rewards Card from American Express .

Delta SkyMiles® Platinum American Express Card .

Delta SkyMiles® Platinum Business American Express Card .

Delta SkyMiles® Gold American Express Card .

Delta SkyMiles® Gold Business American Express Card .

Delta SkyMiles® Blue American Express Card .

Hilton Honors American Express Surpass® Card .

Hilton Honors American Express Card .

The Hilton Honors American Express Business Card .

Marriott Bonvoy™ American Express® Card.

Marriott Bonvoy Business® American Express® Card .

The Amex EveryDay® Preferred Credit Card from American Express .

Amex EveryDay® Credit Card .

Blue Cash Preferred® Card from American Express .

The American Express Blue Business Cash™ Card .

The Blue Business® Plus Credit Card from American Express .

You can call the Global Assist Hotline toll-free at 800-333-AMEX (2639), or collect at 715-343-7977.

If you don’t have any of the credit cards above and are thinking about purchasing a policy from American Express or just simply want to price compare to see if you get better perks by purchasing a policy, you can go to the AmEx travel insurance website and input your trip plans to build a quote. You’ll need to provide your departure and return date, state of residence, age of traveler, number of travelers covered by the policy and the trip cost per traveler. Then, you can select the option of choosing a package or building your own.

To see which plans are available, we input a sample $3,000, one-week trip by a 35-year-old from South Dakota. Our search result yielded four different plans ranging from $59 for a Basic plan to $208 for a Platinum plan.

american express travel medical insurance canada

Global medical protection (not included on AmEx cards)

Medical protection includes coverage for emergency healthcare and dental costs as well as medical evacuation and repatriation of remains . The limits increase as the plans become more expensive. Although AmEx cards offer an array of travel insurance benefits, medical coverage isn't included. So if medical protection benefits are important to you, a standalone travel insurance policy is what you’ll want to look for.

Travel accident protection (not included on AmEx cards)

Another benefit not included with AmEx cards is travel accident protection. This benefit provides coverage in case of death or dismemberment while traveling . Although this is a topic no one wants to think about, it's good to be familiar with this coverage. While travel accident protection isn’t offered on the Basic plan, all of the higher plans offer it.

Standalone policy benefits that are also included on AmEx cards

These elements of coverage are offered on the AmEx cards mentioned, although in some, the limits may be higher or lower.

Trip cancellation

The Basic plan only covers a trip up to $1,000, however, all the other plans cover 100% of the trip cost. To compare this with the perks included as a benefit on the cards, all AmEx cards that include trip cancellation coverage provide up to $10,000 per covered trip. Keep in mind that, all the cards included have annual fees and the card with the lowest fee is the Hilton Honors American Express Aspire Card , with a $550 annual fee. 

Trip interruption

Trip interruption coverage ranges from $1,000 on a Basic plan to 150% of trip cost on the Gold and Platinum plans. The trip interruption benefit offered by the AmEx cards is included on all the same cards that offer trip cancellation insurance, with the trip interruption limit capped at $10,000 per covered trip. 

Global baggage protection

If your luggage is lost or stolen this benefit will provide monetary compensation to reimburse you for your lost items. AmEx cards offer baggage coverage as a complimentary benefit, with the higher-end cards naturally providing higher limits. Interestingly, the cards with the lower annual fees (i.e. Hilton Honors American Express Surpass® Card , annual fee $150 ) have a high limit as well, offering a total combined limit for lost luggage of $3,000, which is higher than the coverage offered by the standalone Platinum plan.

Global trip delay

If your trip is delayed, you’re eligible for reimbursement of any necessary expenses incurred up to a specific limit. The Basic plan doesn’t offer this benefit, but all the other plans do, with the Platinum plan providing up to $300 per day (maximum of $1,000 per trip). This coverage is also included on the higher-end AmEx cards.

AmEx cards offer key travel insurance benefits: trip cancellation and interruption insurance, trip delay insurance, car rental loss and damage insurance, baggage insurance, Premium Global Assist Hotline (or Global Assist Hotline). However, they don't offer any sort of emergency medical coverage. This is pretty typical of travel credit cards, as the travel insurance perks they offer don't provide coverage for emergency health care costs.

If you’re looking for emergency medical coverage, you’ll need to purchase a separate policy, such as the standalone one offered by American Express. The other limits provided in the American Express travel insurance policy are comparable to what you get on the AmEx cards, so it makes sense to shop around to make sure that the benefits you’re paying for are sufficient for your needs.

» Learn more: What to know about American Express Platinum travel insurance

Yes, if you have one of the cards listed above. If you have a credit card that isn’t listed in this guide or the card is no longer available by American Express, call the number on the back of your card for more information. Generally, AmEx offers a number of travel insurance benefits on its credit cards that shouldn't be overlooked.

Yes, but it depends on which card you have. To qualify for reimbursement, the trip cancellation must be for a covered reason. Refer to the section "Trip Cancellation and Interruption Insurance" for a list of cards and explanations of covered reasons.

American Express offers a solid range of travel insurance protection across its credit cards, with the premium cards providing the most coverage. However, if you need insurance benefits with higher limits, we recommend purchasing a separate travel insurance policy . If you only need emergency medical coverage , there are policies that provide that as well.

Call the number on the back of your card to ask for guidance. Some benefits may require authorization from American Express before coverage kicks in, so make sure you follow all the correct steps for reimbursement.

Refer to the AmEx credit card policy for the specific benefit because it will include instructions for submitting a claim. If you cannot find the policy, you should call the customer service number on the back of your American Express card for more assistance.

American Express offers a solid range of travel insurance protection across its credit cards, with the premium cards providing the most coverage. However, if you need insurance benefits with higher limits, we recommend purchasing a

separate travel insurance policy

. If you only need

emergency medical coverage

, there are policies that provide that as well.

American Express travel insurance offers a wide array of benefits, especially on its premium cards. Knowing what benefits are available to you is important in the event of unforeseen circumstances. Determine whether an individual policy is a better fit for your risk tolerance than coverage that is included on an eligible card, then go from there.

All information about The Platinum Card® from American Express , Business Green Rewards Card from American Express , Delta SkyMiles® Reserve American Express Card , Delta SkyMiles® Platinum American Express Card , Delta SkyMiles® Gold American Express Card , Delta SkyMiles® Blue American Express Card , Amex EveryDay® Credit Card , Blue Cash Preferred® Card from American Express , Centurion® Card from American Express, Business Centurion® Card from American Express, The Corporate Centurion® Card from American Express, The American Express Platinum Card® for Schwab, The Platinum Card® from American Express for Goldman Sachs, The Platinum Card® from American Express for Morgan Stanley, The Corporate Platinum Card® and the Hilton Honors American Express Aspire Card has been collected independently by NerdWallet. The Platinum Card® from American Express, Business Green Rewards Card from American Express, Delta SkyMiles® Reserve American Express Card, Delta SkyMiles® Platinum American Express Card, Delta SkyMiles® Gold American Express Card, Delta SkyMiles® Blue American Express Card, Amex EveryDay® Credit Card, Blue Cash Preferred® Card from American Express, Centurion® Card from American Express, Business Centurion® Card from American Express, The Corporate Centurion® Card from American Express, The American Express Platinum Card® for Schwab, The Platinum Card® from American Express for Goldman Sachs, The Platinum Card® from American Express for Morgan Stanley, The Corporate Platinum Card® and the Hilton Honors American Express Aspire Card are no longer available through NerdWallet.

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

Chase Sapphire Reserve Credit Card

on Chase's website

1x-10x Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Ultimate Rewards®.

Chase Sapphire Preferred Credit Card

1x-5x Enjoy benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining and 2x on all other travel purchases, plus more.

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 toward travel when you redeem through Chase Ultimate Rewards®.

Chase Southwest Rapid Rewards® Plus Credit Card

1x-2x Earn 2X points on Southwest® purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1X points on all other purchases.

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

american express travel medical insurance canada

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American Express Travel Insurance Coverage Review – Is It Worth It?

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American Express Travel Insurance Coverage Review – Is It Worth It?

Why Purchase Travel Insurance

Travel insurance and the covid-19 virus, package policy options, custom select coverage options, pricing by age, cancellations and changes, to other travel insurance companies, to credit card travel insurance, travelinsurance.com, insuremytrip, squaremouth, final thoughts.

We may be compensated when you click on product links, such as credit cards, from one or more of our advertising partners. Terms apply to the offers below. See our Advertising Policy for more about our partners, how we make money, and our rating methodology. Opinions and recommendations are ours alone.

We frequently discuss the travel insurance coverages that are offered complimentary on most credit cards . We do so because these benefits, especially the long list of travel insurance coverages on premium cards, can save you money, offer peace of mind during your travels, and provide help if something goes wrong.

These complimentary coverages are useful and can offer more than adequate coverage for most trips. However, if you’re investing in an expensive trip or 1 that involves multiple travel providers, purchasing a comprehensive travel insurance policy is a prudent move. You’d also want a travel insurance policy if your trip has a complicated itinerary or if you’re anxious about the possibility of having to cancel any portion of the journey.

Additionally, it’s imperative that if you’re worried about having medical coverage while traveling, you’d want to purchase a travel insurance policy that provides medical coverage.

Fortunately, travel insurance is widely available, reasonably affordable, and simple to secure. There are several reputable travel insurance companies , highly-rated by financial rating organizations such as AM Best , that offer nearly endless options from which to choose.

American Express Travel Insurance , underwritten by AMEX Assurance Company, is one of those highly-respected, highly-rated, established companies offering comprehensive travel insurance solutions.

Join us while we check out the types of policies the company offers, any limitations of which to be aware, and additional options for protecting your next trip appropriately.

Travel insurance can help you avoid losing the investment you made when booking your trip, reimburse you for covered expenses should your trip be disrupted due to a covered event, or pay for emergency medical services.

Policies are designed to cover disruption due to the reasons listed in the policy you purchased. These reasons consist of events that are unforeseen and unexpected.

Here are a few situations where travel insurance could cover your loss:

  • You or a covered family member become ill and you must cancel your trip. Trip insurance can cover prepaid non-reimbursable expenses.
  • You are injured in an accident during your trip and need to be evacuated to a hospital by air ambulance.
  • You become ill during your trip and must return home versus continuing on your journey.
  • Your flight is delayed or canceled and you must stay at a hotel and incur expenses for lodging and incidentals.

Whether you should purchase travel insurance or not is a personal decision. If losing your trip investment or having to pay for extra expenses if the trip is disrupted makes you uncomfortable or would present a financial burden, then you should purchase a comprehensive travel insurance policy.

If worrying about having to cancel your trip or having it disrupted during your journey is an issue, purchasing a travel insurance policy will definitely deliver some peace of mind, both prior to and during your trip.

For more tips on buying travel insurance in general, you’ll find valuable information in our guide to buying the best travel insurance .

Bottom Line: The longer, more expensive, and more complicated your trip, the greater the need for a comprehensive travel insurance policy.

Woman On A Train Wearing A Medical Mask

When you purchase travel insurance and your trip is canceled, you expect to have coverage. However, not all cancellations are covered — only those specifically listed in your policy.

Once COVID-19 was declared a pandemic, it became a known event and therefore is not covered on travel insurance policies. While it’s reasonable to want to cancel your trip due to fear of COVID-19, canceling a trip due to the fear of any illness is not a covered reason on any travel insurance policy.

There is also no coverage for canceling a trip due to a U.S. State Department announcement warning of COVID-19 in a particular area.

In order to have coverage for voluntary trip cancellations, you would need to purchase “Cancel for Any Reason Insurance” (CFAR) . CFAR is not a stand-alone insurance policy — it is an add-on coverage you select when you purchase a travel insurance policy or coverage you may be able to add to a travel insurance policy after purchase, within an initially specified timeframe.

CFAR insurance is expensive, does not cover the entire cost of your trip, and not all companies sell the coverage, including American Express Travel Insurance.

Additionally, there is a small window of time when you are able to purchase the coverage, including during your initial purchase or up to 10 to 21 days after the purchase, depending on the company.

While American Express Travel Insurance does not cover trip cancellation due to fear of contracting COVID-19, there may be coverage in certain circumstances. For example, if you become sick with the virus and have to cancel your trip as a result, you may have coverage under trip cancellation insurance.

Additionally, if you become ill with the virus during your travels, you may have coverage under Travel Medical Protection. Terms and conditions apply.

Bottom Line: Travel insurance does not cover canceled trips due to fear of getting COVID-19 or a government declaration that a specific destination is unsafe. Cancel for Any Reason Insurance must be purchased to cover these voluntary cancellations. 

American Express Travel Insurance Options

American Express offers you 2 options when it comes to purchasing travel insurance. You can select a package policy that includes several types of coverages in 1 plan or you can build your own travel insurance plan and select just the coverages that are important to you.

Coverage is worldwide except for where it would violate U.S. trade or economic sanctions. All permanent U.S. residents are eligible to purchase travel insurance with American Express.

American Express Travel Insurance offers 4 levels of travel insurance package policy plans — a Basic Plan, Silver Plan, Gold Plan, and Platinum Plan. Each has its own levels of coverage and associated premium cost.

Let’s take a look at the package policy offerings and pricing. We chose a week-long trip for a 40-year old that cost $3,000. Prices ranged from $59 to $208 to cover the entire trip.

Amex Travel Insurance Quote

With package policies, you can expect to find the following coverages. The limits of coverage differ based on the policy plan you select.

  • Trip Cancellation/Interruption — Receive reimbursement for prepaid non-refundable expenses due to cancellation for covered reasons and additional costs if your trip is disrupted, also for covered reasons.
  • Global Medical Protection — Receive worldwide emergency medical and dental coverage for the first 60 days of your trip and access to emergency evacuation/repatriation services.
  • Travel Accident Protection — Receive coverage for accidental death/dismemberment from the time you leave on your trip until the time you arrive home.
  • Global Baggage Protection — Coverage varies from $250 to $2,500 for lost luggage depending on the level selected. Baggage delay coverage starts from 3- to over 24-hour delays, depending on the policy plan selected.
  • Global Trip Delay — Receive up to $300 per day, $1,000 per trip, depending on the level of coverage selected. Coverage is valid for delayed/canceled flights or involuntary-denied boarding.
  • 24-Hour Travel Assistance — Have global access to planning and emergency assistance before and during your trip.

Bottom Line: American Express Travel Insurance offers 4 different levels of package policies, each comprising a collection of coverages most travelers look for. The plan you select and the level of coverage limits chosen determine the amount of the premium cost. 

If some of the coverages in the package plan are not important to you, you can select only the coverage(s) you want and pay accordingly. Perhaps, for example, you have a need for just medical coverage while traveling abroad. You have the option to select just that coverage.

This example shows the levels of coverage available and the associated premium costs. The Gold Plan selected offers up to $100,000 in emergency medical, up to $750 in emergency dental, and up to $100,000 in emergency evacuation/repatriation. The price of this plan would be $32 for the entire trip.

Amex Travel Insurance Medical

Bottom Line: Having the option to select only the coverages you want allows you to save money by not paying for coverages you don’t need. This is a key benefit of purchasing travel insurance through American Express Travel Insurance. Few travel insurance companies offer the option to purchase stand-alone travel medical coverage. 

Additional Information — American Express Travel Insurance

Senior Travel

Like most travel insurance companies, American Express Travel Insurance prices its products within age brackets. The price for coverage is the same for everyone in that specific age bracket.

Based on dozens of quotes obtained, pricing brackets were determined to be as follows:

  • Age 17 to 40
  • Age 41 to 65
  • Age 66 to 70
  • Age 70 to 80
  • Age 81 or over

Knowing this upfront can help you determine if you’re at the beginning of the highest price bracket or the end. For example, if you are 40 years old, you’re going to pay less than a 41-year-old in the next pricing bracket but the same as a 17-year-old.

If you’re a senior and want to learn more about purchasing travel insurance in your 60s, 70s, and beyond , the tips in our article will help guide you in the right direction.

Bottom Line: Knowing a travel insurance company’s age pricing brackets can help you determine which company offers you the best value for your money.

Here is some information you should know about cancellations and changes to an American Express Travel Insurance policy.

  • You can change or modify your policy prior to your trip.
  • You can request a full refund within 14 days after receiving your policy documents. Some restrictions vary by state.
  • If you have purchased American Express Travel Insurance and your trip was canceled due to COVID-19, you may qualify for a policy refund . Contact AMEX Assurance Company for details at [email protected]. Terms apply.
  • Once your trip is completed, you cannot request a refund.

Hot Tip: Due to the overall decrease in travel, many travel insurance companies now allow you to cancel your travel insurance and receive a full refund or extend your policy without extra charges. 

How Does American Express Travel Insurance Compare

Amex Travel Compare

When comparing other package policies to American Express Travel Insurance, the company’s premiums came up higher overall for this specific trip and traveler (1-week trip, 40-year-old, total value $3,000).

The first policy above with Assistance USA for $77, for example, has coverages similar to the Silver Amex plan which has a premium of $133. The coverage on the $102 Assistance USA plan above compares more with the Amex Gold plan at $157.

Prices will vary considerably based on the types of coverages selected, age, and limits of each coverage. We used policy comparison websites and found similar but not identical policies. With so many different coverage options, it’s difficult to compare apples to apples.

This is a very limited comparison — your results will be different based on your specific details. The most important factors to consider are that you’re purchasing from a highly-rated company, the coverages are a match for your needs, and the premium is one with which you’re comfortable paying.

The travel insurance coverages that comes complimentary on your credit card can serve to provide coverage for some trips. For example, if you book a domestic round-trip flight, a hotel, and a rental car, you may have sufficient coverages on your credit card to cover that trip.

Credit card travel insurance coverage, however, is not a replacement for a comprehensive travel insurance policy , for these reasons:

  • Most credit card travel insurance coverage is secondary and in excess of other coverage you might have. You’ll normally be working with 2 (or more) entities to get your claim resolved.
  • Credit card travel insurance is administered by a third party, not by the issuing financial institution, thus making the claims process potentially redundant and complicated.
  • You generally won’t find medical coverage on a credit card. The Platinum Card ® from American Express and the Chase Sapphire Reserve ® offer emergency medical evacuation and there is a small medical benefit on the Chase Sapphire Reserve card.
  • Coverage limits are set on credit card travel insurance. Travel insurance policies can offer higher limit options.
  • Credit card travel insurances have requirements such as purchasing the trip with the associated credit card.
  • Additional coverages can be added to travel insurance policies such as CFAR insurance, a preexisting conditions waiver, and other benefits not available with credit cards.

Bottom Line: While the travel insurance coverages that come with credit cards may be sufficient to cover a simple trip where there is no large investment at stake, these coverages are by no means a replacement for a comprehensive travel insurance policy. 

The Value of Travel Insurance Comparison Sites

Travel Insurance Comparison

Because travel insurance is widely available and quite competitive, you may find drastic differences in the price you’ll pay between companies and policy offerings. Selecting a company is not difficult as there are dozens of reputable, highly financially-rated, established companies, but comparing policies is essential for getting the best value for your money.

One way to easily compare pricing and coverages is to utilize a travel insurance comparison site to narrow down the appropriate options for your situation.

Here are some of the most popular, easy-to-use comparison sites that only feature highly financially-rated travel insurance companies.

  • Coverage is available instantly
  • The comparison tool is easy to use
  • The company has a “best price guarantee”
  • Calls are handled by licensed agents
  • The website contains educational information for understanding travel insurance coverages and policies
  • Features nearly 2 dozen companies
  • Compare 90 different policies from over 20 different companies
  • Customer service receives high accolades
  • Over 86,000 reviews

Bottom Line: Utilizing a travel insurance comparison website can help you quickly narrow your choices to policies that fit your needs and your budget. 

There is no doubt that American Express is a financially-stable, established, and well-respected travel insurance company.

One of the company’s strengths is that it offers the consumer the ability to purchase needed coverages separately , such as medical insurance for an international trip. The premiums for such coverage are also very competitively priced. This could be a huge plus if you are not interested in duplicating credit card travel insurance coverages or in having just secondary or excess coverage.

One downside, especially in today’s environment, is that American Express Travel Insurance does not sell CFAR insurance. If this is important to you, you should attempt to find the coverage elsewhere by using comparison sites.

Another downside that may or may not be important is that American Express Travel Insurance does not sell annual or multi-trip policies. You must purchase a new policy for each individual trip.

Also, like several other travel insurance companies, high-risk adventurous activities may not be covered with American Express Travel Insurance. You might look to a company specializing in insuring these activities such as World Nomads .

If you want to make sure you’re purchasing from an established company and have specific coverages you’re more interested in than others, American Express Travel Insurance is a solid decision . For package travel insurance policies, you might be able to realize modest savings by shopping around, but you won’t go wrong with the company selection of choosing American Express 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 .

For rates and fees of The Platinum Card ® from American Express, click here .

Frequently Asked Questions

Is american express travel insurance worth it.

Yes, overall. American Express Travel Insurance is backed by AMEX Assurance Company which is highly-rated, established, and reputable.

The company offers competitive travel insurance package policies but also allows the traveler to build their own policies with only the coverages they deem necessary. This option can save the traveler money.

If you’re looking for medical coverage for an international trip, for example, purchasing with an established company at a reasonable price makes American Express Travel Insurance a worthy choice.

Do I have to have an American Express credit card to purchase American Express travel insurance?

No, you do not need to be an American Express cardholder to purchase a travel insurance policy from American Express Travel Insurance.

Does travel insurance cover COVID-19?

Travel insurance does not cover canceling your trip due to fear of getting sick. It also does not cover canceling your trip due to a government shutdown due to COVID-19, or a surge in cases in a particular area.

You may have coverage if you become ill due to COVID-19 and need to cancel your trip, depending on the terms of your policy.

You may also have coverage if you become ill due to COVID-19 during your travels.

Is credit card travel insurance any good?

The travel insurance coverages that come with your credit card can be sufficient to cover simple trips. If you’re booking a trip that has a complicated itinerary, involves several travel providers, or is more than a week in length, you might consider a comprehensive travel insurance policy.

In addition, if your trip is an expensive one, even if it’s simple and short, it would be prudent to cover your investment with a travel insurance policy.

Finally, credit cards do not come with medical insurance coverage. If you need this coverage while traveling, you’ll want to purchase a separate policy.

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About Christine Krzyszton

Christine ran her own business developing and managing insurance and financial services. This stoked a passion for points and miles and she now has over 2 dozen credit cards and creates in-depth, detailed content for UP.

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Hospitals in Russia for Foreigners and Visitors

best hospitals in russia

Hospitals in Russia for Visitors and Expats

Considering making a move to Russia? Whether you’re interested in a long stay or one of short duration, it’s important to consider access to healthcare. Most often that means being able to access the  hospitals in Russia . Here’s a guide for what you need to know as an expat to navigate Russia’s hospital system.

Read:  Health Insurance in Russia for Expats

List of Hospitals in Russia for Expatriates and Travelers

Best hospitals in moscow.

  • Adventist Health Center (Adventistsky Tsentr Zdorov’ya) Prospect 60 Letiya Oktyabrya 21-A Moscow 117036 Russia Tel : + 7 95 126 7906 Fax: + 7 95 126 8767
  • American Hospital of Moscow 26/6 pr. Mira (1, Grokholsky Pereulok) Moscow 129090 Russia Tel: + 7 95 933 7700 Fax: + 7 95 933 7701
  • European Dental Center Moscow, Bolshaya Ochakovskaya street, 5 Tel: +7 (499) 283-99-60
  • European Medical Center Spiridonevsky Per. 5 Moscow 103104 Russia Tel: + 7 95 933 6655 Fax: + 7 95 933 6650
  • Medincentre 4-th Dobrininsky Lane House 4 Moscow 117049 Russia Tel: + 7 95 236 3116/237 3964 Fax: + 7 95 237 8475
  • ZAO International Medical Clinic Polyclinic No. 1 10th Floor 31 Grokholsky Pereulok Moscow 129010 Russia Tel: + 7 95 937 5760 Fax: + 7 95 280 8677

Hospitals in St. Petersburg

  • American Medical Clinic 78 Moika Embankment St. Petersburg 190000 Russia Tel: + 7 812 140 2090 Fax: + 7 812 310 4664
  • Andros Clinic 36A Lenin Street, 1st floor St. Petersburg 197136 Russia Tel: + 7 812 235 1487 Fax: + 7 812 235 6988
  • Euromed Clinic Suvorovskiy prospekt 60 St. Petersburg 193124 Russia Tel: + 7 812 327 0301 Fax: + 7 812 274 9320
  • Hospital #122 4 Prospekt Kultury St. Petersburg 194291 Russia Tel: + 7 812 558 0508 Fax: + 7 812 559 8993
  • Nevamed 14 Ismailovsky Prospekt St. Petersburg 198058 Russia Tel: + 7 812 110 1882 Fax: + 7 812 110 1092
  • The International Clinic Griffin House 19/21 Dostoevskogo Street St. Petersburg 121014 Russia Tel: + 7 812 320 3870 Fax: + 7 812 320 3871

Hospitals in Other Parts of Russia

  • Canadian Medical Centre Suite 402 Venetzia Hotel Nizhnevartovsk 626440 Tyumen Region Russia Tel: + 7 3466 65 39 86
  • International SOS Clinic Yuuzhno Militseyskaya Ulitsa, 7/1 Yuzhno-Sakhalinsk, Sakhalin Oblast 693001Sakhalin Russia Tel: + 7 8 4242 727 550 Fax: + 7 8 4242 473 650

The Russian Healthcare System: A Quick Overview

Russia offers treatment options at different levels of government and region. Here’s a breakdown of how you can access medical treatment in Russia:

  • At the municipal level are Health Posts that offer basic out-patient care for non-emergency situations, for example, vaccinations and routine check-ups.
  • Also generally at the municipal level are Health Centers that are specialized for maternity care and also offer routine surgery.
  • At the regional level are Urban Polyclinics which offer a wider array of services including follow-up care for complex conditions. Some of the larger polyclinics will have in-house specialists, for example, oncologists and cardiologists.
  • Almost exclusively in large cities are Specialized Medical Hospitals which offer the full range of medical services and are also open 24 hours.

This last point about the 24-hour opening is quite important, as many healthcare facilities in Russia operate during normal business hours or are closed at night. Needing immediate medical care ‘off-hours’ can prove challenging or expensive. Many private facilities also observe closing hours or charge high premiums for after-hour care.

Read:  Understanding Russia’s Healthcare System

Is Healthcare in Russia Free?

Like so many countries, Russia’s healthcare system is based around insurance. And like many European countries, Russia offers its citizens what is meant to be universal healthcare. But in order to gain access to free public healthcare, Russian residents are required to pay in through their employment. The Russian Federation has guaranteed all of its citizens’ free healthcare since ratifying its Constitution in 1996. But in actuality, many people in the population are not covered. In some rural areas, the majority of people have no coverage or access to quality healthcare.

Russia’s Hospital System

How is russia’s public hospital and healthcare system.

Just as there are areas of the country where the population does not have access to quality healthcare, so is it within the public sector. And overall Western visitors are likely to find the Russian healthcare system, especially the public one, not up to standards. Challenges faced within the public hospital system, particularly for foreigners, include food shortages, a lack of English speakers, extremely long wait times, underfunding, basic equipment and facilities, or even a lack of equipment altogether. So if the question is, ‘Are hospitals in Russia good?’ for the average Western expat, if they are discussing the public hospital system, the answer is most likely going to be no.

Russia’s Private Hospitals

The popular choice for expats and visitors to Russia are private hospitals. These often offer English-speaking doctors and staff. The medical treatment available at some of Russia’s private hospitals is very much up to international standards. These hospitals can often be quite expensive. Treatment in Russia’s private hospitals can be costly by the standards of Western medicine. That is why it is so important to have the right insurance that will offer you coverage. Another important point about the private hospital system is that clinics and hospitals are the only options within the private system. There are not private surgeries or practices that offer complex procedures. Rather, doctors, even though is a private system, must operate within an accredited hospital or clinic.

Before traveling to Russia, it is vital to have quality health insurance.

Best Health Insurance Plan for Expats in Russia

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Cigna Global Insurance Plan

  • The flexibility to tailor a plan to suit your individual needs
  • Access to Cigna Global’s trusted network of hospitals and doctors
  • The convenience and confidence of 24/7/365 customer service

Best Health Insurance Plan for US Citizens Living in Russia

GeoBlue Xplorer Global Medical Insurance

Xplorer Worldwide Medical Plan

  • Premium Benefits, Coverage and Service
  • Define your deductible and prescription benefits
  • For Foreigners in the US or US citizens abroad
Read:  Expat Health Insurance

What You Need to Know About Accessing Russia’s Hospital System as an Expat

Once again, access is based on whether this is the public or private system. Those using the public hospital system will either have to show proof of coverage through employment or pay upfront. For those with state-sponsored insurance, there will be no costs. However, it is necessary to show proof of insurance from the start to avoid admitting fees. Public hospitals will treat emergency situations but then bill afterward, as well as for any follow-up treatment, both in-patient or outpatient. For this and all non-emergency services, payment is always expected upfront.

Those accessing the private hospital system should expect to pay upfront. Even with private insurance, many private facilities expect to be paid upfront. In order to avoid this, it is vital to choose both private insurance as well as a hospital that already has an arrangement with the insurance company to bill directly.

How Many Hospitals Are in Russia?

Russia is a country with many hospitals. In just Moscow, there are well over 100 hundred hospitals. As of 2018, there were 5.3 thousand hospitals in Russia. The numbers from 2010 until 2018 show a marked decrease during that timeframe. There was a total net loss of 1,000 hospitals in less than a decade.

Find more International Hospitals and healthcare options in popular Expat countries:  Hospitals in Portugal ,  Hospitals in Malaysia ,  Hospitals in Turkey ,  Hospitals in Germany ,  Hospitals in Brazil ,  Hospitals in Kenya ,  Hospitals in Cuba ,  Hospitals in China ,  Hospitals in Italy ,  Hospitals in Spain ,  Hospitals in New Zealand .

  • Compare International Health Insurance Plans
  • Safety, Health Insurance, and Travel Advice for Russia
  • Best Places to Work
  • Best Places to Retire in the World

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Global medical plans, specialty coverage, company info, customer service.

Healthcare in Moscow

american express travel medical insurance canada

This guide was written prior to Russia's 2022 invasion of Ukraine and is therefore not reflective of the current situation. Travel to Russia is currently not advisable due to the area's volatile political situation.

Healthcare in Moscow is organised by the Moscow Health Department. While public healthcare facilities are available, most expats seek out private healthcare at international medical centres. Expats are advised to take out private medical insurance if it is not provided to them by their company.

Subsidised healthcare is provided to everyone living in the country, paid for by the state and the mandatory health insurance system. That said, professionals in the state system are likely to speak little to no English. 

There are several private medical centres in Moscow where English is spoken and where the healthcare is on par with expat standards. These clinics are generally very expensive, so it is highly recommended that expats take out private medical insurance to cover medical costs in Moscow. Most insurance coverage plans will also include evacuation cover for emergencies or life-threatening situations. 

Recommended hospitals in Moscow

Alliance medicale.

www.alliancemedicale.ru Address: Kutuzovsky Ave, 1/7

Intermed Center American Clinic

www.en.intac.ru Address:  4 Monetchikovsky Lane, 1/6, Building 3

International Clinic MEDSI

www.medsi.ru Address:  26 Prospekt Mira, Buidling 6

European Medical Center

www.emcmos.ru Address:   5 Spiridon'yevskiy Pereulok, Building 1

Further reading

►For more on the Russian healthcare system see our Healthcare in Russia page.

Expat Interviews " The standard is high, but health insurance is essential − both international and local cover tend to be adequate and similar for routine things." Read more about Stephen, a British expat, and his  experience living in Moscow . 

Are you an expat living in Moscow?

Expat Arrivals is looking for locals to contribute to this guide, and answer forum questions from others planning their move to Moscow. Please contact us if you'd like to contribute.

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  • Amex® Travel Insurance is optional group travel insurance underwritten by Royal & Sun Alliance Insurance Company of Canada. You may contact the insurer at 1-888-877-1710 in Canada and the U.S. or visit www.rsagroup.ca. In this outline, we have given a brief description of just some of the benefits available under Amex® Travel Insurance. All insurance coverage is subject to the terms and conditions of the Group Policy issued to Amex Bank of Canada and the applicable limitations and exclusions described in the Certificate of Insurance issued upon enrollment. Please read the Certificates of Insurance carefully. Amex Bank of Canada identifies insurance providers and products that may be of interest to some of its customers. In this role we do not act as an agent or fiduciary for you, and we may act on behalf of the insurance provider, as permitted by law. We want you to be aware that we receive compensation from insurance providers and our compensation may vary by provider and product. We do not require you to purchase any insurance product, and you may choose to cover your insurance needs from other sources on terms they may make available to you.

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    Travel Insurance. Coverage you need to feel confident when you travel. Get your insurance Get a quote or purchase a plan Or call: 1-844-200-8959 Amex® Travel Insurance is optional group travel insurance underwritten by Royal & Sun Alliance Insurance Company of Canada.

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    With AMEX ® Travel Insurance †, you and your family can be protected for unexpected emergency medical expenses while travelling, so you can feel good knowing you can be covered on your next vacation. What's included?

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    AMEX ® Travel Insurance † can protect you from financial losses when your trip is cancelled or interrupted due to an unexpected event. What's included? Coverage is available for cancellations, interruptions and accidents that may occur before or on your trip. Trip Cancellation Insurance 1

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    How to Submit a Claim Follow the link below to submit an insurance claim online or over the phone. Submit a Claim Terms & Conditions Whether You Are Far Away Or Close To Home, Learn The Ins And Outs Of American Express Platinum Cardmember Insurance Benefits For Purchases And Travel.

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    Insurance Review Your Coverage YOUR HOME AND AWAY COVERAGE Your Card may offer more coverage than you know. Learn about the different insurance benefits that come with your Card. Whether you're travelling out of your home province within Canada or abroad, your American Express Card can help protect you against the unexpected.

  7. The Guide to The Platinum Card® from American Express Travel Insurance

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    While lounge access and travel credits are typically the highlights of these cards, some of the lesser-known benefits, such as trip delay reimbursement and trip cancellation and interruption insurance, are becoming hot topics as the coronavirus pandemic continues to impact the travel industry. Want more credit card news and advice from TPG?

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    Travel Insurance Through American Express Cards How Do I Claim My Amex Travel Insurance? Bottom Line Finding the right travel insurance for your trips can be daunting.

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    WHAT DO WE OFFER? COVERAGE FOR TRIP CANCELLATION, TRAVEL MEDICAL, BAGGAGE, AND MORE 24-HOUR TRAVEL ASSISTANCE INDIVIDUAL AND PACKAGE COVERAGE OPTIONS GETTING COVERAGE IS EASY 1. ENTER YOUR TRIP DETAILS Simply answer a few questions about your upcoming travel plans to get started. 2. VIEW COVERAGE OPTIONS

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    Amex Platinum Card Overview It's important to have a little background on the card to put its coverage into context. Here are important card details, including the current welcome bonus and annual fee. BEST LOUNGE ACCESS Terms Apply / Rates & Fees U.P. Rating Learn More (at Amex's secure site) The Platinum Card ® from American Express

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  19. Hospitals in Russia for Foreigners and Visitors

    Best Hospitals in Moscow. Adventist Health Center (Adventistsky Tsentr Zdorov'ya) Prospect 60. Letiya Oktyabrya 21-A. Moscow 117036. Russia. Tel : + 7 95 126 7906. Fax: + 7 95 126 8767. American Hospital of Moscow.

  20. Healthcare and health insurance for expats in Moscow

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    Amex® Travel Insurance is optional group travel insurance underwritten by Royal & Sun Alliance Insurance Company of Canada. You may contact the insurer at 1-888-877-1710 in Canada and the U.S. or visit www.rsagroup.ca. In this outline, we have given a brief description of just some of the benefits available under Amex® Travel Insurance.