American Express® Trip Cancel GuardTM
Cancellation Fee Waiver
Terms & Conditions
Revised May 2022
The American Express Trip Cancel Guard is an optional benefit enabling Eligible Beneficiaries to receive partial
reimbursem*nt for Eligible Trip Itineraries purchased through American Express TRS that are cancelled for
any reason at least 2 full calendar days before the Departure Date and before the Benefit End Date. This benefit
is a cancellation fee waiver and is not an insurance product. Trip Cancel Guard is only available for purchase
through American Express TRS at the time of the Eligible Trip Itinerary booking. With this benefit, the Eligible
Beneficiaries may receive reimbursem*nt for up to 75% of Nonrefundable Prepaid Expenses listed on the
Eligible Trip Itinerary purchased through American Express TRSas stated on Your Schedule of Benefits.
Reimbursem*nt is subject to requirements and restrictions.
Trip Cancellation and Reimbursem*nt Process
Eligible Trip Itinerary Cancellation
1. You may cancel all or part of Your Eligible Trip Itinerary and may receive reimbursem*nt for up to the
amount stated on Your Schedule of Benefits, subject to the notice and timing requirements of this
benefit. You may also cancel itineraries for each Eligible Beneficiary listed on the Eligible Trip Itinerary.
2. In order to be eligible for this benefit, You must cancel your Eligible Trip Itinerary with TLS or the airline
carrier before your Benefit End Date.
• If You cancel Your trip after Your Benefit End Date during the two (2) full day restricted period
before Your Departure Date, You will no longer be eligible to make a Request for Reimbursem*nt.
If You are no longer eligible to make a Request for Reimbursem*nt, any trip cancellation penalties
or lost Nonrefundable Prepaid Expenses are not eligible for reimbursem*nt under American
Express Trip Cancel Guard.
Eligible Trip Itinerary Request for Reimbursem*nt
1. You may complete a Request for Reimbursem*nt at
or
by calling the Benefit Administrator at 1-800-228-6855. The Benefit Administrator must be notified no
more than thirty (30) days after trip cancellation, or as soon as reasonably possible.
2. The Benefit Administrator will review the Request for Reimbursem*nt and may request additional
materials from You to support the Request for Reimbursem*nt. Additional information must be
submitted no more than sixty (60) days from the time of request, or as soon as reasonably possible.
• In order for the Benefit Administrator to evaluate a Request for Reimbursem*nt, You must
cooperate by providing any requested documents or statements that determine the amount of
Nonrefundable Prepaid Expenses and whether the Eligible Trip Itinerary cancellation is eligible for
reimbursem*nt by another benefit or plan.
3. If a Request for Reimbursem*nt is approved by the Benefit Administrator, reimbursem*nt will be paid
directly and separately to each of the Eligible Beneficiaries included in the Request for Reimbursem*nt
at the address provided for each Eligible Beneficiary in the Request for Reimbursem*nt.
• If You receive a travel voucher and/or credit from Your travel supplier, Your Request for
Reimbursem*ntmay not be eligible for reimbursem*nt until the travel voucher and/or credit is
forfeited or has expired. You may contact the Benefit Administratorto reopen the Request for
Reimbursem*ntonce Yourtravel voucher and/or credit is forfeited or has expired.
• Any amount payable to a minor will be paid to a guardian of that minor
Benefit Communication
General Administration
We will communicate directly with the purchaser of this benefit on behalf of all Eligible Beneficiaries, unless We
are told to communicate directly with any Eligible Beneficiary by that Eligible Beneficiary.
Request for Reimbursem*nt
When completing a Request for Reimbursem*nt, an individual may indicate that they are authorized to provide
the address and contact information for other Eligible Beneficiaries listed in the Schedule of Benefits, in which
case we will communicate with those Eligible Beneficiaries unless directed otherwise.
Benefit Cancellation
The purchaser of this benefit may cancel for a full refund of the fees paid for Trip Cancel Guard within fourteen (14)
calendar days after the date of purchase. The purchaser of this benefit will not be eligible for a refund of fees paid
if:
• You have cancelled Your Eligible Trip Itinerary and made a Request for Reimbursem*nt during this
period OR
• The request for refund occurs after the Benefit End Date stated on Your Schedule of Benefits
To request a refund of the fees paid for Trip Cancel Guard, please call the Benefit Administrator at 1-800-228-
6855.
What do the Defined Terms mean?
Capitalized and Bolded terms have the meanings set forth below. The singular includes the plural and the plural
includes the singular, as the context requires. The singular includes the possessive, as the context requires.
“Including” and any derivative form means “including but not limited to”.
American Express TRS means American Express Travel Related Services Company, Inc.
Benefit Administrator means the administrator of this benefit for American Express TRS.
Benefit Effective Date means the date on which Trip Cancel Guard was purchased, as stated in Your Schedule of
Benefits.
Benefit End Date means 11:59 PM on the date listed on Your Schedule of Benefits at Your city of departure that
is listed on Your Eligible Trip Itinerary.
Departure Date means the date on which an Eligible Beneficiary is originally scheduled to depart on the Eligible
Trip Itinerary.
Eligible Beneficiary means any traveler listed on the Eligible Trip Itinerary and named on the Schedule of
Benefits who is eligible to receive reimbursem*nt through Trip Cancel Guard. This benefit only applies to Eligible
Trip Itineraries with 10 or fewer listed travelers.
Eligible Trip Itinerary or Trip means the one original itinerary containing standalone airfare only and trip ID
purchased through American Express TRS’ travel website, AmexTravel.com, at the same time you purchased
this optional benefit and that has no more than 10 named Eligible Beneficiaries.
Nonrefundable Prepaid Expenses are:
• Forfeited payments or deposits (including expired or forfeited travel credit and vouchers)
• Airline cancellation or penalty fees charged to and paid by You caused by Eligible Trip Itinerary
cancellation
Request for Reimbursem*nt means a request made by You to the Benefit Administrator to reimburse Eligible
Beneficiaries for loss of up to 75% of Nonrefundable Prepaid Expenses linked to an Eligible Trip Itinerary that You cancel at least two (2) full calendar days before the Departure Date. You can make a request by providing
notice and documentation required by the Benefit Administrator that states the amount of Nonrefundable
Prepaid Expenses to be reimbursed up to the amount stated on Your Schedule of Benefits. If the purchaser of
this benefit is not a traveler then they are not an Eligible Beneficiary and are not eligible to receive reimbursem*nt.
Schedule of Benefits means the summary of benefits for all Eligible Beneficiaries under Trip Cancel Guard.
TLS means the American Express Travel & Lifestyle Services division of American Express TRS
You means the purchaser of Trip Cancel Guard and Eligible Beneficiaries entitled to cancel all or part of an Eligible
Trip Itinerary and complete a Request for Reimbursem*nt.
Integrated Document
The terms and conditions of Trip Cancel Guard are stated in this terms and conditions document and the
Schedule of Benefits. This terms and conditions document and the Schedule of Benefits, plus the Eligible Trip
Itinerary are the integrated benefit contract.
American Express TRS’s Right of Recovery
If payment is made under this benefit, American Express TRS shall be subrogated, to the extent of such payment,
to all rights of recovery, and any person(s) receiving payment shall not waive American Express TRS’s rights and
shall cooperate to enable American Express TRS to bring suit or otherwise pursue subrogation.
American Express TRS is entitled to recover any amount from other responsible parties or persons (excluding
You when correctly provided benefits under Trip Cancel Guard) up to the amount of American Express TRS’s
payment. Any party or person recovering such amounts from other parties or persons shall reimburse American
Express TRS to the extent of American Express TRS’s payment.
Fraud Warning
If any Request for Reimbursem*nt made under this benefit is determined to be fraudulent, or if any fraudulent
means or devices are used by You or a person requesting benefits, all benefits will be forfeited.
ARBITRATION CLAUSE
MOST CONCERNS CAN BE RESOLVED QUICKLY AND TO YOUR SATISFACTION BY CALLING BENEFIT
ADMINISTRATORAT 1-800-228-6855. IN THE UNLIKELY EVENT THAT BENEFIT ADMINISTRATORIS UNABLE
TO RESOLVE A COMPLAINT YOU MAY HAVE TO YOUR SATISFACTION (OR IF AMERICAN EXPRESS TRS HAS
NOT BEEN ABLE TO RESOLVE A DISPUTE IT HAS WITH YOU AFTER ATTEMPTING TO DO SO INFORMALLY),
YOU AND AMERICAN EXPRESS TRS EACH AGREE TO RESOLVE THOSE COMPLAINTS OR DISPUTES
THROUGH BINDING ARBITRATION INSTEAD OF IN COURTS OF GENERAL JURISDICTION TO THE FULLEST
EXTENT PERMITTED BY LAW.
ARBITRATION IS MORE INFORMAL THAN A LAWSUIT IN COURT. ARBITRATION USES A NEUTRAL
ARBITRATOR INSTEAD OF A JUDGE OR JURY, ALLOWS FOR MORE LIMITED DISCOVERY THAN IN COURT, AND
IS SUBJECT TO VERY LIMITED REVIEW BY COURTS. ARBITRATORS CAN AWARD THE SAME DAMAGES AND
RELIEF THAT A COURT CAN AWARD. ANY ARBITRATION UNDER THIS AGREEMENT WILL TAKE PLACE ON AN
INDIVIDUAL BASIS; CLASS ARBITRATIONS AND CLASS ACTIONS ARE NOT PERMITTED.
(a) American Express TRS and You agree to arbitrate all complaints and disputes relating to the benefit, except
any complaints and disputes which under governing law are not subject to arbitration. This agreement to arbitrate
(the “Agreement”) is intended to be broadly interpreted and to make all complaints and disputes relating to the
benefit subject to arbitration to the fullest extent permitted by law.
You agree that You and American Express TRS are each waiving the right to a trial by jury or to participate in a
class action. This Agreement evidences a transaction in interstate commerce, and thus the Federal Arbitration
Act governs the interpretation and enforcement of this arbitration provision. This arbitration provision shall survive
termination of this Agreement.
(b) A party whointends to seek arbitration must first send to the other, by certified mail, a written Notice of Dispute
("Arbitration Notice"). The Arbitration Notice to American Express TRSshould be addressed to:
American Express ADR
c/o CT Corporation System,
111 Eighth Avenue, New York, NY 10011
(the “Arbitration Notice Address”). The Arbitration Notice must describe the nature and basis of the complaint
or dispute and set forth the specific relief Youseek from American Express TRS(the “Demand”). Please retain a
copy of the Demand for Yourrecords.
If American Express TRS and You do not reach an agreement to resolve the complaint or dispute within 30 days
after the Arbitration Notice is received, You or American ExpressTRSmay commence an arbitration proceeding.
During the arbitration, the amount of any settlement offer made by American Express TRS or You shall not be
disclosed to the arbitrator until after the arbitrator determines the amount, if any, to which You or American
Express TRS is entitled.
(c) After American Express TRS receives notice at the Arbitration Notice Address that You have commenced
arbitration, it will promptly reimburse You for Your payment of the filing fee. If You are unable to pay this fee,
American Express TRS will pay it directly upon receiving a written request at the Arbitration Notice Address.
Arbitration may be referred to either JAMS (1-800-352-5267, jamsadr.com) or the American Arbitration
Association (“AAA”) (1-800-778-7879, www.adr.org), as selected by the party electing arbitration. Complaints
and disputes will be resolved pursuant to this Arbitration provision and the selected organization's rules in effect
when the complaint or dispute is filed, except where those rules conflict with this Agreement. If we choose the
organization, You may select the other within 30 days after receiving notice of our selection. Contact JAMS or
AAA to begin an arbitration or for other information.
The arbitrator shall be bound by the terms of this Agreement. The arbitrator shall have the power and authority to
award any relief that would have been available in court, including equitable relief (e.g., injunction, specific
performance) and, cumulative with all other remedies, shall grant specific performance whenever possible. The
arbitrator shall have no power or authority to alter the Agreement or any of its separate provisions, including this
section, nor to determine any matter or make any award except as provided in this section. Unless American
Express TRS and You agree otherwise, any arbitration hearings will take place in the county (or parish) of Your
billing address. If Your complaint is for $10,000 or less, we agree that You may choose whether the arbitration will
be conducted solely on the basis of documents submitted to the arbitrator, through a telephonic hearing, or by an
in-person hearing as established by the selected organization’s rules. If Your complaint exceeds $10,000, the right
to a hearing will be determined by the selected organization’s rules. Except as otherwise provided for herein,
American Express TRS will pay all of selected organization’s filing fees, however, the parties will be equally
responsible for any administration and arbitrator fees for any arbitration initiated in accordance with the notice
requirements above. If, however, the arbitrator finds that either the substance of Your complaint or dispute or the
relief sought in the Arbitration Demand is frivolous or brought for an improper purpose (as measured by the
standards set forth in Federal Rule of Civil Procedure 11(b)), then the payment of all such fees will be governed by
the selected organization’s rules. In such case, You agree to reimburse American Express TRS for all monies
previously disbursed by it that are otherwise Your obligation to pay under the AAA Rules.
(d) The arbitrator may make rulings and resolve complaints and disputes as to the payment and reimbursem*nt
of fees and expenses at any time during the proceeding or in the final award, pursuant to applicable law and the
selected organization’s rules.
(e) Discovery and/or the exchange of non-privileged information relevant to the complaint or dispute will be
governed by the selected organization’s rules.
(f) YOU, AND AMERICAN EXPRESSTRSAGREE THAT EACH MAY BRING COMPLAINTS OR DISPUTES
AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS
MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING. Further, unless both Youand
American Express TRS agree otherwise, the arbitrator may not consolidate more than one person's claims and
may not otherwise preside over any form of a representative or class proceeding. The arbitrator may award
injunctive relief only in favor of the individual party seeking relief and only to the extent necessary to provide relief
warranted by that party's individual claim. If this specific subparagraph (f) is found to be unenforceable, then the
entirety of this arbitration provision shall be null and void.
American Express Travel Related Services Company, Inc. is acting solely as a sales agent for travel suppliers and is not responsible for the actions or inactions of such suppliers. Certain suppliers pay us commission and other incentives for reaching sales targets or other goals and may provide incentives to our Travel Consultants. For more information visit www.americanexpress.com/travelterms.
California CST#1022318; Washington UBI#600-469-694
