American Express Travel Insurance

American Express lets you construct your own travel insurance by picking which protections matter to you. You can combine trip cancellation, trip interruption, medical coverage, evacuation, baggage protection, and other riders into a single policy. The modular approach means you're not overpaying for coverage you don't need, and the 24/7 assistance includes emergency medical coordination, emergency cash transfers, and concierge support.

This option appeals to travelers who want control over what they're buying and have specific gaps in their travel safety. If you're an Amex cardholder, you might already have partial coverage, so building a supplemental policy makes financial sense. The bundled concierge services go beyond what most travel insurance offers, adding real value beyond just the claims.