In the event that your checked baggage is lost by a commercial carrier, Platinum Travel Assistance will make every effort to track down your missing luggage and keep you posted on their progress. Should Platinum Travel Assistance not be able to recover your luggage, you will be reimbursed up to a maximum of US$1,200 per trip.

WHO'S COVERED?
Platinum Travel Assistance services are provided by AXA Assistance USA, a division of the AXA Group, are given the name of Platinum Travel Assistance and are valid only for American Express International Dollar Platinum Card Members or the Additional Card Members. The Platinum Travel Assistance services will be valid only during the time in which the American Express Platinum Card account continues active and in good standing.

Platinum Travel Assistance is underwritten by AXA Assistance USA Coverage is determined by the Terms, Conditions, and Exclusions of service and is subject to change without notice.

KEY EXCLUSIONS & LIMITATIONS
Depending on the case, different coverage may apply. The coverage provided by AXA Assistance USA is restricted to emergent situations that arise directly and independently of all other causes.

The Travel Inconvenience Insurance Plan provides benefits in the event of:  Missed Departures and Missed Connections; delay, cancellation or overbooked flights; and Luggage Delay and Extended Luggage Delay when the Covered Trip is purchased and charged to your American Express International Dollar Card (IDC). 

• Up to US$250 per covered person for alternate travel, restaurant meals or refreshments
• Up to US$1,000 if your baggage is delayed after four hours for purchasing of essential clothing.

WHO'S COVERED?

You are eligible for coverage if you are an American Express International Dollar Card Platinum Card Member.

The Travel Inconvenience Insurance Plan  is underwritten by Indemnity Insurance Company of North America Administrative Office, The Corporate Center 33 Resolución Street, Suite 500 San Juan, Puerto Rico 00920-2707. Coverage is determined by the Terms, Conditions, and Exclusions of policy 58US3760 and is subject to change with notice. This document does not supplement or replace the policy.

KEY EXCLUSIONS & LIMITATIONS

In no event will duplicate or multiple American Express Cards obligate the Company in excess of the limit stated herein for expenses incurred by any one individual Covered Person as a result of any one incident covered under this Policy. 

EXCLUSIONS
The Policy does not cover 

1) additional costs where the airline, rail or ship operator has offered alternative travel arrangements and these have been refused or where the Covered Person has voluntarily accepted compensation from the airline, train or ship operator in exchange for not traveling on an overbooked flight.

2) Claims where the Covered Person has failed to obtain a Property Irregularity Report from the relevant airline authorities of missing baggage at scheduled destination.

3) Industrial Action which has commenced or has been announced prior to booking your Covered Trip.

4) Covered Trips in, or booked to, countries where a government agency has advised against traveling or which are officially under embargo by the United Nations.

5) Any fraudulent, dishonest or criminal act committed by the Covered Person, or any with whom the Covered Person is in collusion.

6) Terrorist activities except while on a public vehicle.

7) Declared or undeclared war or hostilities.

8) Biological, chemical, nuclear or radioactive incidents.

Should you have a medical emergency while traveling, Platinum Travel Assistance can provide you with medical assistance in consultation with local treating physicians. Medical visits to your hotel can also be arranged, depending on the circumstances and the resources available in each country. This assistance includes the following benefits per trip among others*:

• US$100,000 for emergency medical transportation** 
• US$250,000 for emergency medical services
• US$1,000 for emergency dental treatment
• US$1,000 for prescription expenses

*Benefit limits apply. Please read important exclusions, restrictions and Terms and Conditions. Card Members whose permanent address of residence is in Spain or Switzerland are not eligible for Platinum Travel Assistance.

**While traveling more than 100KMs away from home in the same country of residence, only the emergency medical transportation service is available

Travel Accident Insurance offers a coverage of up to US$500,000 in case of accidental death or dismemberment while traveling on a Common Carrier Conveyance (plane, train, ship or bus), when the entire fare has been charged to The Platinum Card.

WHO IS COVERED?
A person shall be a Covered Person under the Master Policy No. 58US3199 only if: He or she is: a. a Basic or Additional Card Member who has the International Dollar Card Platinum Card issued by American Express Travel Related Services (“American Express”) in his or her name; or b. the legally married spouse or Dependent Child under age 23 of any eligible person described in a) above. For the purpose of this Policy, a common law marriage is not considered a legal marriage. Dependent Child means a legally dependent child, including a stepchild or legally adopted child of any eligible person described in a) or b) above; and who is wholly dependent on such eligible person(s) for financial support.

Travel Accident Insurance Plan is underwritten by Indemnity Insurance Company of North America, Administrative Office, Doral Bank Center Calle Resolución #33, Suite 500, San Juan, Puerto Rico 00920. Coverage is determined by the Terms, Conditions, and Exclusions of policy No. 58US3199 and is subject to change with notice. This document does not supplement or replace the policy.

KEY EXCLUSIONS & LIMITATIONS
The Policy does not cover any Loss caused or contributed to by:

1. suicide or self-destruction or any attempt threat;
2. war or any act of war whether declared or undeclared;
3. injury to which a contributory cause was the commission of or attempt to commit, an illegal act by or on behalf of the Covered Person or his or her beneficiaries;
4. injury received while serving as an operator or crew member of any conveyance.
    
   

Platinum Travel Assistance can put you in contact with a lawyer in the country in which you are traveling. Should you need legal defense, Platinum Travel Assistance will provide legal assistance in the form of advanced legal and bail fees, up to US$10,000 per trip. All legal assistance funds advanced will be charged to your Platinum Card account automatically.

WHO IS COVERED?

Platinum Travel Assistance. The Travel Assistance services are provided by AXA Assistance USA, Inc. ("AXA"), an AXA Group company, are given the name of Platinum Travel Assistance and are valid only for American Express International Dollar Card Platinum Card Members or the Additional Card Members. The Platinum Travel Assistance services will be valid only during the time in which the American Express Platinum Card account is active and in good standing.

 The use of the Platinum Travel Assistance Service implies that the Basic Card member understands and accepts the General Conditions.

KEY EXCLUSIONS & LIMITATIONS
The following general terms and conditions are in effect when services are provided by AXA and/or vendors and providers through which services are coordinated on behalf of the Card Member while traveling outside of his or her country of permanent residence or when 100 KMs away from home. The services provided by AXA are restricted to emergency situations that arise directly and independently of all other causes, resulting in external bodily injury, of violent and/or accidental means or of a medical condition which is sudden, unanticipated and urgent which requires immediate medical or surgical evaluation or treatment to provide relief of acute pain and suffering

Car Rental Loss and Damage Insurance reimburses a Card Member for payments for damage to or theft of a Rental Auto that the Card Member is required to make, up to the lesser of: 

1. the actual cost to repair the Rental Auto, or
2. the published Book value or, if not available, the purchase invoice price of the Rental Auto minus salvage and depreciation costs, or
3. fair market commercial value of the Rental Auto. 

The coverage also reimburses the Card Member for reasonable charges (those charges incurred at the closest facility that are usual and customary in the vicinity in which the loss or disablement took place) imposed by the Rental Company, such as towing, storage, loss of use (loss of use means proven loss of income to the Commercial Car Rental Company where no additional sources of income exist to offset this loss. Reasonable and customary charges are substantiated by documentation supporting loss of use such as fleet utilization logs; loss of use does not include Commercial Car Rental Company administrative fees), which the Rental Company would not have imposed had the Card Member accepted its full CDW, or partial collision damage waiver. Car Rental Loss and Damage Insurance covers no other type of loss. For example, in the event of a collision involving the Card Member’s Rental Auto, damage to any other driver’s car or the Injury of anyone or anything is not covered. Note: This policy does not provide liability coverage for Uninsured Motorists; benefits under any Worker’s Compensation law, Disability benefits law or other mandated Government Plans.

Certain restrictions apply. Some vehicles are not covered. 

WHO IS COVERED?
Any individual who has been issued an American Express IDC Platinum Card and who has an American Express Card Account.

Car Rental Loss and Damage Insurance Plan is underwritten by Indemnity Insurance Company of North America, Administrative Office, Doral Bank Center Calle Resolución #33, Suite 500, San Juan, Puerto Rico 00920. Coverage is determined by the Terms, Conditions, and Exclusions of Policy No. 58US3775 and is subject to change with notice. This document does not supplement or replace the policy.

KEY EXCLUSIONS & LIMITATIONS
Vehicles Not Covered Car Rental Loss and Damage Insurance does not cover rentals of: 

1. expensive cars, which means cars with an original manufacturer’s suggested retail price of $50,000 or more when new;
2. exotic cars regardless of year or value, including but not limited to Chevrolet Corvette, Toyota Supra,Mazda RX-7, Dodge Viper and Stealth, Plymouth Prowler, Mitsubishi 3000 GT, Nissan 300 ZX, Jaguar XJS, Acura NSX,Mercedes SL, SLK, S Coupe and E320 Coupe and Convertible, BMWM3, Z3 and 8 Series, Cadillac Allante and all Porsche, Ferrari, Lamborghini, Maserati, Aston Martin, Lotus, Bugatti, Vector, Shelby Cobra, Bentley, Rolls Royce;
3. trucks, pick-ups, cargo vans, custom vans;
4. full-sized vans, including but not limited to, Ford Econoline or ClubWagon, Chevy Van or Sportvan, GMC Vandura and Rally, Dodge Ram Vans and RamWagon;
5. vehicles which have been customized or modified from the manufacturer’s factory specifications except for driver’s assistance equipment for the physically challenged;
6. vehicles used for hire or commercial purposes;
7. mini-vans used for commercial hire; Note: PassengerMini-Vans (Not CargoMini-Vans) with factory specified seating capacity of 8 passengers or less, including but not limited to, Dodge Caravan, Plymouth Voyager, FordWindstar and Nissan Quest, are covered when rented for personal or business use only.
8. antique cars, which means cars that are 20 years old or have not been manufactured for 10 or more years;
9. limousines;
10. full sized sport utility vehicles, including but not limited to, Chevrolet/GMC Suburban, Tahoe and Yukon, Ford Expedition, Lincoln Navigator, Toyota Land Cruiser, Lexus LX450, Range Rover or fullsized Ford Bronco;
11. sport/utility vehicles when driven “off-road”; and Note: Compact sport/utility vehicles, including but not limited to Ford Explorer, Jeep Grand Cherokee, Nissan Pathfinder, Toyota Four Runner, Chevrolet Blazer and Isuzu Trooper and Rodeo are covered when driven on paved roads.
12. off-road vehicles, motorcycles, mopeds, recreational vehicles, golf or motorized carts, campers, trailers and any other vehicle which is not a Rental Auto.

Purchase Protection provides coverage for your purchases for ninety (90) days from the date of purchase when you charge any portion of the price of the purchased item to your Account. You will be reimbursed only for the amount charged to your Account.

WHO IS COVERED?
Any individual who has been issued an American Express IDC Platinum Card and who has an American Express Card Account.

Purchase Protection Program is underwritten by Indemnity Insurance Company of North America Administrative Office, The Corporate Center 33 Resolución Street, Suite 500 San Juan, Puerto Rico 00920-2707. Coverage is determined by the Terms, Conditions, and Exclusions of policy 58US3762 and is subject to change with notice. This document does not supplement or replace the policy.

KEY EXCLUSIONS & LIMITATIONS
Benefits are not payable if the loss for which coverage is sought was directly or indirectly, wholly or partially, contributed to or caused by:

1. Intentional damage to the covered item;
2. war or any act of war, whether declared or undeclared; 
3. any activity directly related to and occurring while in the service of any armed military force of any nation state recognized by the United Nations;
4. participation in a riot, civil disturbance, protest or insurrection;
5.  violation of a criminal law, offense or infraction by the Cardmember;
6. natural disasters, including, but not limited to, hurricanes, floods, tornados, earthquakes or any other event in the course of nature, that occurs at the same time or in  separate instances;
7. fraud or abuse or illegal activity of any kind by the Cardmember;
8. confiscation by any governmental authority, public authority, or customs official;
9. negligent failure of a duty to care by any third party in whose possession the property purchased by a Cardmember has been temporarily placed;
10. not being reasonably safeguarded by You;
11. theft from baggage not carried by hand and under Your personal supervision or under the supervision of a traveling companion known by You;
12. damage through alteration (including, but not limited to, cutting, sawing and shaping); 
13. normal wear and tear, inherent product defect or manufacturer's defects or normal course of play;
14. damage or theft while under the care and control of a common carrier;
15. food spoilage;
16. leaving property at an unoccupied construction site; or
17. purchases lost or misplaced.

Deductible applicable to Purchase Protection Cover $75 per claim

Extended Warranty will extend the terms of the Original Warranty for a period of time equal to the duration of the Original Warranty, up to one (1) additional year on warranties of five (5) years or less that are eligible in a Covered Territory*.

The coverage provided under this benefit is EXCESS of other sources of indemnity.

*Covered Territory means the 50 States of the United States of America, District of Columbia Commonwealth of Puerto Rico and the Virgin Islands of the United States.

WHO IS COVERED?
Any individual who has been issued an American Express IDC Platinum Card and who has an American Express Card Account.

Extended Warranty Program is underwritten by Indemnity Insurance Company of North America Administrative Office, The Corporate Center 33 Resolución Street, Suite 500 San Juan, Puerto Rico 00920-2707. Coverage is determined by the Terms, Conditions, and Exclusions of policy 58US3763 and is subject to change with notice. This document does not supplement or replace the policy.

KEY EXCLUSIONS & LIMITATIONS
Benefits are not payable if the Loss for which coverage is sought was directly or indirectly wholly or partially, contributed to or caused by:

1. any physical damage, including, but not limited to, damage as a direct result of natural disaster or a power surge, except to the extent the Original Warranty covers such damage;
2. mechanical failure covered under product recall; or
3.  fraud or abuse or illegal activity of any kind by the Cardmember