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Trip Delay Coverage with the Delta Reserve Cards and Delta Platinum American Express Cards

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Rene’s Points For Better Travel, a division of Chatterbox Entertainment, Inc. has partnered with CardRatings for our coverage of credit card products. Rene’s Points For Better Travel and CardRatings may receive a commission from card issuers. Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities. As an Amazon Associate I earn from qualifying purchases.


American Express recently announced a nice benefit addition to several premium travel cards: trip cancellation, delay, and interruption coverage. The personal Delta Reserve Amex and business version are two of the cards carrying all three benefits starting January 1, 2020.

The personal/consumer and business Delta Amex Platinum cards will include limited trip delay insurance.

If you’re on the fence about the great Delta Amex welcome offers available through tomorrow, consider whether or not this additional perk might be worth it.

How does it work? Are there better, more affordable options available?

Which Cards Carry These Benefits?

In addition to Amex corporate Platinum cards, these products will include trip cancellation, delay, and interruption insurance:

TPG writes that to take advantage of these benefits, the entire round-trip flight must be paid for with one of the above cards.

This is a major difference from, say, the Chase Sapphire Preferred, Chase Sapphire Reserve, and Chase Ink Business Preferred cards — which require only a portion of your qualifying trip be paid with one of those products.

The Sapphire Preferred is also significantly cheaper than the premium Amex cards.

Some examples of covered incidents are inclement weather, terrorist actions, jury duty, and sudden illness or injury.

Blizzard conditions appear during a winter storm in Fargo, North Dakota, as seen from a car driving north on Interstate 29 near 13th Avenue South.

You can receive reimbursement on non-refundable expenses up to $10,000 per trip. A maximum of $20,000 per eligible account applies each 12 months.

Eligible purchases must be made on or after January 1, 2020. Even if you use, say, the personal Delta Reserve Amex today to buy a trip sometime in 2020, it will not be covered.

Trip Delay Insurance Coverage

The above cards also will reimburse you up to $500 per trip if a covered reason delays your trip by six or more hours. Think expenses such as meals, hotels, toiletries, and basic transportation.

The below cards provide $300 reimbursement per trip for delays of 12 or more hours:

Again, the entire round-trip must be paid for with one of these cards. Eligible purchases must be made on or after January 1, 2020.

Traveler waiting at the airport departure area for his delay flight.
Don’t be this guy. (©iStock.com/Chalabala)

More Options

The Chase Sapphire Preferred carries a $95 annual fee and earns 2X on both Travel and Dining worldwide.

Compare that to Platinum Delta SkyMiles Credit Card from American Express. That card currently earns 2X on Delta purchases (1X on everything else.) As of January 30, 2020, the personal Delta Platinum earns 3X on Delta flights, 2X at restaurants, 2X at supermarkets, and 1X elsewhere.

So if you purchase airfare on an airline other than Delta, you earn only 1X — and are covered only for delays. Whereas the Chase Sapphire Preferred has cancellation, interruption, and delay coverage. Plus, it earns 2X, which can be redeemed for 2.5 cents/Ultimate Rewards point when using the UR travel portal.

Essentially, you enjoy better coverage with the Chase Sapphire Preferred — and save $150 on the Delta Platinum’s increased annual fee. Plus, remember you only have to use your Chase Sapphire Preferred for a portion of the flight purchase. (Personally, I go with at least half just to play it safe.)

If trip protection is important to you, consider the Chase Sapphire Preferred or Chase Sapphire Reserve, and Chase Ink Business Preferred cards. Or check out comprehensive travel insurance from Travelex.

exhausted businessman waiting for flight at airport lobby
“Why didn’t I use an eligible Chase or Amex card?” (©iStock.com/LightFieldStudios)

Other Delta Amex Topics We’ve Covered This Month

Now is a fantastic opportunity to apply for Delta Amexes because many have great welcome bonuses — and you can lock in a year at their current annual fees.

We’ve covered several related topics during the past several weeks including:

— Chris

Big Welcome Bonuses Expire THIS WEDNESDAY! (OFFERS EXPIRED)

The Delta Reserve Card from American ExpressDelta Reserve Card 

Delta Reserve Business Card from American Express.Delta Reserve Business Card 

The Platinum Delta SkyMiles Card from American Express.Platinum Delta SkyMiles Credit Card from American Express

Platinum Delta SkyMiles Business Credit Card from American Express

Delta Gold American Express CardDelta SkyMiles Gold American Express Card

Delta SkyMiles Gold Business American Express Card 

 

H/T: OMAAT and TPG

Cover image: ©iStock.com/Sablin

Rene’s Points For Better Travel, a division of Chatterbox Entertainment, Inc. has partnered with CardRatings for our coverage of credit card products. Rene’s Points For Better Travel and CardRatings may receive a commission from card issuers. Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities. As an Amazon Associate I earn from qualifying purchases.


Responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

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