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Q: I was wondering how the American Express baggage protection services work…how much is covered if my bag is lost or stolen?
A: When you purchase a common carrier ticket (a common carrier is defined as any sort of conveyance which is intended to transport passengers, carries a license confirming the same, and requires that a ticket be bought or a fare otherwise be paid) using your American Express card, you automatically receive Baggage Protection Insurance. This is not an additional charge; rather, the service is considered an “embedded” feature of the card.
Your Baggage Protection insurance pays up to $1,250 for carry-on baggage that is lost, stolen, or damaged, and up to $500 for checked baggage that is lost, stolen, or damaged. This is additional coverage, over and above what is normally provided by the common carrier, and the stated amounts include up to a $250 coverage amount for things that are considered “high risk”. These are things such as computers, jewelry, or electronics.
If you prefer more coverage, you can opt for the Premium Baggage Protection Insurance. This does incur an additional charge of $9.95 for each person that is covered during a covered trip, however there is no enrollment cost, and the $9.95 will be billed automatically when you purchase your Scheduled Airline ticket. However, the pay-outs are $2,000 for carry-on baggage and $1,000 for checked baggage.