Does the Delta SkyMiles Reserve Amex cover it?
American Express lists 4 of 7 with terms: trip cancellation (up to $10,000 per trip), trip delay (more than 6 hours, up to $500 per trip), lost or damaged bags (up to $1,250 carry-on, $500 checked) and rental car damage (secondary). Assistance only: emergency evacuation & medical. Not listed on the sources we checked: baggage delay and travel accident. No medical-expense cover is listed.
What the issuer lists
Trip cancellation & interruption Listed with terms
Round trip paid entirely with the card: up to $10,000 per trip and $20,000 per card per 12 consecutive months for non-refundable expenses bought with the same card, when a covered reason cancels or interrupts the trip.
Trip delay Listed with terms
Round trip paid entirely with the card and delayed more than 6 hours for a covered reason: up to $500 per trip for additional expenses bought with the same card. Maximum 2 claims per card per 12 consecutive months.
Baggage delay Not listed
Not listed on the issuer source we checked. It may still appear in your Guide to Benefits; check before you rely on it either way.
Lost or damaged baggage Listed with terms
Baggage Insurance Plan, when the entire common-carrier fare is on the card: up to $1,250 for carry-on bags and up to $500 for checked bags, in excess of what the carrier pays.
Rental car collision damage (CDW) Listed with terms
Secondary, and no liability coverage. Reserve and pay for the entire rental with the card and decline the rental company's CDW. Not available for rentals in Australia, Italy or New Zealand. The card page does not state a dollar limit.
Travel accident insurance Not listed
Not listed on the issuer source we checked. It may still appear in your Guide to Benefits; check before you rely on it either way.
Emergency evacuation & medical Assistance / conditional only
Premium Global Assist Hotline (trips 100+ miles from home): emergency medical transportation assistance may be provided at no cost only if approved and coordinated by the hotline. Medical treatment costs are not listed as covered.
Before you rely on this: benefits only apply when you pay the way the terms require (often the full fare or rental on the card), they have exclusions, claim deadlines and documentation rules, and they can change. Your card’s Guide to Benefits is the final word. Not insurance advice.
What this card doesn’t list
Protections the Delta SkyMiles Reserve Amex sources we checked say are not included, or don’t mention. Not listed doesn’t mean not covered: check your Guide to Benefits. A standalone travel insurance policy is one way people fill gaps like these; whether that is worth it depends on your trip.
- Baggage delay: not listed on the issuer source we checked.
- Travel accident insurance: not listed on the issuer source we checked.
- Emergency evacuation & medical: assistance or conditional only (see above).
- Medical treatment costs abroad: no medical-expense coverage is listed for this card.
- Cancel for any reason: not listed for this card (it is not listed for any card we checked).
- Trips that cost more than the card’s limit, or costs not paid with the card, sit outside the trip-cancellation cap above.
Quick answers
Does the Delta SkyMiles Reserve Amex cover trip delay?
American Express lists trip delay for this card. Round trip paid entirely with the card and delayed more than 6 hours for a covered reason: up to $500 per trip for additional expenses bought with the same card. Maximum 2 claims per card per 12 consecutive months. Check your Guide to Benefits.
Does the Delta SkyMiles Reserve Amex cover trip cancellation?
American Express lists trip cancellation for this card. Round trip paid entirely with the card: up to $10,000 per trip and $20,000 per card per 12 consecutive months for non-refundable expenses bought with the same card, when a covered reason cancels or interrupts the trip. Check your Guide to Benefits.
Is the Delta SkyMiles Reserve Amex’s rental car coverage primary?
The American Express source describes it as secondary. Secondary, and no liability coverage. Reserve and pay for the entire rental with the card and decline the rental company's CDW. Not available for rentals in Australia, Italy or New Zealand. The card page does not state a dollar limit. Check your Guide to Benefits.
Does the Delta SkyMiles Reserve Amex cover medical costs abroad?
American Express lists assistance or conditional cover only. Premium Global Assist Hotline (trips 100+ miles from home): emergency medical transportation assistance may be provided at no cost only if approved and coordinated by the hotline. Medical treatment costs are not listed as covered. Check your Guide to Benefits.
Do I have to pay with the Delta SkyMiles Reserve Amex?
The sources we checked tie these protections to how you pay. Trip cancellation & interruption: Round trip paid entirely with the card: up to $10,000 per trip and $20,000 per card per 12 consecutive months for non-refundable expenses bought with the same card, when a covered reason cancels or interrupts the trip. Trip delay: Round trip paid entirely with the card and delayed more than 6 hours for a covered reason: up to $500 per trip for additional expenses bought with the same card. Lost or damaged baggage: Baggage Insurance Plan, when the entire common-carrier fare is on the card: up to $1,250 for carry-on bags and up to $500 for checked bags, in excess of what the carrier pays. Rental car collision damage (CDW): Reserve and pay for the entire rental with the card and decline the rental company's CDW. Check your Guide to Benefits.
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