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American Express®Business Gold Rewards Card

American Express<sup>®</sup> Business Gold Rewards Card

The insurance coverage included on your American Express Card are outlined below. You may top-up your existing insurance by purchasing additional coverage or a separate travel plan.

Included on your Card

  • Lost or Stolen Baggage Insurance1†?

    Lost or Stolen Baggage Insurance

    You can be covered for loss or damage to your checked-in or carry-on baggage and personal effects while in transit for up to a maximum of $500 per trip for all insured person(s) combined when you fully charge your airline tickets to your Card.

  • Flight Delay Insurance1†?

    Flight Delay Insurance

    You can receive up to $500 in coverage (aggregate maximum with Baggage Delay Insurance) for necessary and reasonable accommodations, restaurant expenses and sundry items purchased within 48 hours when delayed or denied boarding for 4 hours or more and no alternate transportation is made available when you fully charge your airline ticket to your Card.

  • Baggage Delay Insurance1†?

    Baggage Delay Insurance

    You can receive up to $500 in coverage (aggregate maximum with Flight Delay Insurance) for reasonable and necessary emergency purchases for essential clothing and sundry items purchased within four days of arrival at your destination if your checked-in baggage on your outbound trip is delayed for 6 or more hours when you fully charge your airline ticket to your Card.

  • Hotel Burglary Insurance1†?

    Hotel Burglary Insurance

    You can receive up to $500 in coverage against the loss of most personal items (excluding cash) if your accommodation is burglarized when you fully charge your accommodations to your Card.

  • $100,000 Travel Accident Insurance2†?

    Travel Accident Insurance

    You can be covered up to $100,000 of Accidental Death and Dismemberment Insurance when you fully charge your common carrier (plane, train, ship or bus) tickets to your Card.

  • Car Rental Theft and Damage Insurance4†?

    Car Rental Theft and Damage Insurance

    You can be covered for theft, loss and damage of your rental car with an MSRP of up to $85,000 for rentals of 48 days or less when you fully charge your rental to your Card. To take advantage of this protection, simply decline the Collision Damage Waiver (CDW), Loss Damage Waiver (LDW) or similar option offered by the car rental agency.

  • Travel Emergency Assistance3?

    Travel Emergency Assistance

    Can provide eligible Cardmembers with access to out-of-town worldwide emergency medical assistance services and legal referrals by telephone, 24/7/365.

  • Purchase Protection® Plan1†?

    Purchase Protection® Plan

    You can be insured for eligible items charged to your Card for 90 days from the date of purchase in the event of accidental physical damage or theft for up to $1,000 per occurrence (for all purchased items combined).

  • Buyer’s Assurance® Protection Plan5†?

    Buyer’s Assurance® Protection Plan

    Your coverage can automatically extend the manufacturer’s original warranty up to one additional year when you fully charge eligible items to your Card.

Top-Up Options

  • Supplemental Lost or Stolen Baggage Insurance Plan*†
    Extends your Card coverage up to a maximum of $7,500 per occurrence.
    Apply by calling 1-844-200-8959.

NOT included on your Card

  • Out of Province/Country Emergency Medical Insurance*†?

    Out of Province/Country Emergency Medical Insurance

    Out-of-Province/Country Emergency Medical benefits are provided up to a maximum of $5,000,000 per insured person, per trip, for reasonable and customary costs incurred as a result of a medical emergency during your trip. Coverage is available for a single trip under the Per Trip Plan and for multiple trips during the year, eligible under the Multi-Trip Annual Plan.

  • Trip Cancellation Insurance*†?

    Trip Cancellation Insurance

    Trip Cancellation benefits reimburse the cost of non-refundable, prepaid travel arrangements up to the amount of the sum insured in the event of trip cancellation as a result of an insured risk that happens prior to your departure. Coverage is available for a single trip under a Per Trip Plan or for multiple trips during the year under a Multi-Trip Annual Plan. Coverage is available for purchase at various sum insured levels, up to a maximum of $10,000 per person / $20,000 per family. The sum insured level purchased will be shown in the Confirmation of Insurance issued to you upon enrollment.

  • Trip Interruption Insurance*†?

    Trip Interruption Insurance

    If an insured risk occurs during your trip and causes you to interrupt your trip, Trip Interruption benefits can cover the eligible costs of transportation to your next destination or early return to your departure point. If an insured risk occurs during your trip and results in your being delayed from returning to your departure point beyond your scheduled return date, certain eligible costs associated with this trip delay can be covered. Coverage is available for a single trip under a Per Trip Plan or for multiple trips during the year under a Multi-Trip Annual Plan. Coverage is available for purchase at various sum insured levels, up to a maximum of $10,000 per person / $20,000 per family for trip interruption benefits. The sum insured level purchased will be shown in the Confirmation of Insurance issued to you upon enrollment. For trip delay, eligible costs may be reimbursed up to $100 per day, up to a maximum of $1,000 per person / $3,000 per family.

Find a plan that suits your needs.

View plans

Find the details of your insurance included with this Card in the Certificate of Insurance.

Travel Insurance Plans

Round out your coverage by adding one of our AMEX® Travel Insurance* plans.

Basic Travel & Medical Plan
  • Emergency Medical Insurance

  • Trip Cancellation InsuranceNot
    included
    X
  • Trip Interruption InsuranceNot
    included
    X
  • Baggage & Personal Effects InsuranceNot
    included
    X
  • Flight & Travel Accident InsuranceNot
    included
    X

View Certificate of InsuranceDownload Details

Ready? Compare quotes within minutes.Certain conditions, exclusions, limitations, and definitions apply.

Need to make a claim?We’re here to help.

Contact us: 1-844-200-8959
Mon - Fri: 8am-8pm  (EST);
Sat: 9am-5pm  (EST)

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†: All insurance coverage is subject to the terms and conditions of their respective master policies. Certain limitations, exclusions and restrictions apply. Please read your Certificates of Insurance carefully. 

  1. Underwritten by Royal & Sun Alliance Insurance Company of Canada.
  2. Underwritten by Chubb Life Insurance Company of Canada (“Chubb Life”). Use your Card to book tickets for your spouse, dependent children (under 23) or any Supplementary Cardmember and they can also be covered. Spouse and dependent children (under 23) of Supplementary Cardmembers can also be covered.
  3. This is not an insurance. Costs associated with any out-of-pocket expenses related to your Travel Emergency Assistance inquiry are your responsibility. Services will be provided as permitted under applicable law and must be authorized and arranged by AXA Assistance.
  4. Underwritten by Royal & Sun Alliance Insurance Company of Canada. This coverage can only apply when you are authorized and permitted by law to operate the rental car.
  5. Underwritten by Royal & Sun Alliance Insurance Company of Canada. Applies to eligible items fully charged to your Card worldwide, provided the manufacturer’s warranty is valid in Canada and the U.S. and does not exceed five years.

* AMEX® Travel Insurance is optional group travel insurance underwritten by Royal & Sun Alliance Insurance Company of Canada.  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 Certificate of Insurance carefully. AMEX® Travel Insurance is underwritten by Royal & Sun Alliance Insurance Company of Canada. 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.

®, TM: Used by Amex Bank of Canada under license from American Express.