If you’re shopping for a travel insurance plan, American Express has updated the welcome gifts for its My Travel Insurance plans, and enhanced the referral bonus.
You can now receive a Samsonite luggage or duffel bag and a 10% rebate when you purchase an annual policy, stackable with an extra 2,500 MR points or 5,000 KrisFlyer miles when you make the purchase via the referral programme.
AMEX My Travel Insurance offer
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| Apply here |
| Note: The referral link may expire from time to time. If it’s not working, please leave a comment and I’ll get it updated ASAP |
From 1 April to 31 May 2026, customers who purchase an annual My Travel Insurance policy will enjoy the following sign-up gifts:
| Single Trip | Annual Multi-Trip | |
| Standard (APAC and Worldwide) |
– | Samsonite Mobile Solution Eco Classic Duffel Bag (worth S$180) |
| Superior (APAC) |
– | Samsonite Minter Spinner 20″ (worth S$550) |
| Superior (Worldwide) |
– | Samsonite Cubuz Spinner 28″ (worth S$600) |
| APAC includes Australia, New Zealand, China, Taiwan, Hong Kong SAR, Macao SAR, Mongolia, Japan, South Korea, India, Sri Lanka, and Southeast Asia Worldwide refers to both Worldwide (ex USA, Canada and Cuba) and Worldwide (ex Cuba) |
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In addition to this, American Express cardholders who purchase their plans (whether single-trip or annual) via my referral link will receive the following additional gifts.
| MR-earning card | KrisFlyer-earning card | |
| Single Trip | 2,500 MR points | 1,250 miles |
| Annual Trip | 5,000 MR points | 2,500 miles |
You’ll be asked to key in your 16-digit card number on the referral portal to confirm which gift you’re eligible for, but it’s quite straightforward: if you have any of the Platinum cards, your referral gift is 2,500 to 5,000 MR points. If you have any of the Singapore Airlines cards, your referral gift is 1,250 to 2,500 miles.
For context, the previous referral gift was S$5 for single-trip plans, and S$20 for annual plans, so I’d consider the current gift to be much better.
For the avoidance of doubt, you’ll receive one welcome gift and one referral gift per policy purchased, though obviously, there’s no reason to buy more than one annual travel plan (unless perhaps you’re buying it for someone else).
To ensure proper application tracking, every time you purchase a new policy, start a new session by closing your browser and reopening the referral link.
AMEX Offer: 10% statement credit
Before you purchase a policy, be sure to log in to your account and register for the AMEX Offer granting a 10% statement credit, valid for both single and annual plans of any tier. The statement credit is capped at S$500, but I can’t see anyone spending more than S$5,000 on travel insurance anyway!
Here’s an idea of how this reduces the cost of annual plans for all the six tiers eligible to receive Samsonite gifts.
| Annual Multi-Trip (after 10% rebate) |
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| Standard (APAC) |
S$265.50 |
| Standard (Worldwide ex-USA, Canada, Cuba) |
S$377.10 |
| Standard (Worldwide ex-Cuba) |
S$459.90 |
| Superior (APAC) |
S$407.70 |
| Superior (Worldwide ex-USA, Canada, Cuba) |
S$578.70 |
| Superior (Worldwide ex-Cuba) |
S$706.50 |
How much coverage is provided?
In terms of coverage, the My Travel Insurance Superior plan offers up to:
- S$2 million for overseas medical expenses
- S$2 million for personal liability
- S$1 million coverage for accidental death and permanent disablement
- S$150,000 for legal expenses
- S$50,000 of post-journey medical expenses
- S$20,000 for travel cancellation or curtailment
- S$8,000 for loss of personal property and baggage
- S$1,000 of rental car excess
There is also coverage for COVID-19, travel delays, misconnections, baggage delays, flight diversions and overbooked flights.
Miles chasers will be pleased to know that the plan also offers up to S$20,000 coverage for the loss of frequent flyer points, in the event your inability to travel leads to them being forfeited (e.g. if you book a KrisFlyer Spontaneous Escapes award, which cannot be refunded, or if you’ve booked a hotel with points and are outside the free cancellation window).
Terms & Conditions
Below you’ll find links to the factsheet, policy wording, FAQs and T&Cs for this offer.
- My Travel Insurance Factsheet
- My Travel Insurance Policy Wording
- My Travel Insurance FAQs
- My Travel Insurance Promotion
- Referral Rewards
Gifts from purchase of the policy will be fulfilled within eight weeks of purchasing the plan.
Gifts from the referral programme will take up to 10 weeks for fulfilment.
How to purchase a plan
When you click on my referral link, you’ll be prompted to enter your AMEX card number. The referral reward will be credited to that card.
After that, you’ll be able to select the plan you wish to purchase. Click on that and proceed as normal.
The promo code TRAVELJOY should be automatically applied, which entitles you to the welcome gifts.
What card should you use for your purchase?
While American Express no longer awards points for insurance payments in general, there is an exception carved out for “payments made for insurance products purchased through American Express authorised channel”.
You can therefore use the following cards and enjoy the usual general spending rate, on top of the gifts.
| Card | Earn Rate |
 AMEX Solitaire PPS Credit CardApply |
1.3 mpd |
 AMEX PPS Credit CardApply |
1.3 mpd |
 AMEX KrisFlyer AscendApply |
1.2 mpd |
 AMEX KrisFlyer Credit CardApply |
1.1 mpd |
 AMEX Centurion |
0.78 mpd |
 AMEX Platinum ChargeApply |
0.63 mpd |
 AMEX Platinum ReserveApply |
0.57 mpd |
 AMEX Platinum Credit CardApply |
0.57 mpd |
Conclusion
|
| Apply here |
| Note: The referral link may expire from time to time. If it’s not working, please leave a comment and I’ll get it updated ASAP |
American Express is now offering a Samsonite luggage or duffel bag for customers who purchase an annual My Travel Insurance plan, with 10% off in statement credits and an extra referral bonus of 5,000 MR points or 2,500 KrisFlyer miles.
This policy covers both COVID-19 and loss of miles and points, and the luggage alone can cover a significant portion of the premium.
The current set of gifts runs till 31 May, and I’ll update this article once June comes round with the latest updates.
It’s a shame these types of offers don’t exist in Australia.
It is underwritten by Chubb. I read on Complaint Singapore on FB that quite a few people complained about Chubb.Reportedly, some said they only covered overseas medical and not treatment in Singapore according to the comments on the initial post by Fat Cat. I will recommend reading the fine print to see if it meets your coverage needs. A frequent flyer friend of mine so it was very difficult to claim from Chubb and swear not to buy from them again. Anyway, Travel Insurance first goal was protection and not the perks.
I find Chubb to have the best coverage (even for point losses) and one of the most lenient acceptance. But you should read the TnCs to see if the insurance policy suits your need. For not covering the treatment in Singapore part, I don’t think any travel insurance would pay for that if it is after the specified travel period when you purchase the insurance. So always get medical consultation overseas if needed. So far, all of these claims have gone through with no issues.
Thanks for sharing. So far the best for has been Income for me and AIG wasn’t so bad too (just more expensive) and they gave it to me within 3 working days. I am sure there are other insurance companies that can do as well but have not explored. i actually managed to claim for Singapore treatment after returning from overseas due to an infection I caught overseas. You can see it for Income coverage sheet item 15 for Singapore medical. Like what you said, read the fine print and that is what I do these days. SQ used to… Read more »
I tried the link, upon entering my card number it keeps showing invalid card number. but i could access the promo code thru my amex login
Haven’t got my referral gifts from April! Who can I find?
you’ll need to contact AMEX about that, if the full 12 weeks have passed.
I already have a Amex/Chubb insurance, but it expires in the next few days, so if i sign up for a new one online, am i eligible for the luggage?
hi Aaron, the promotions for eCV don’t seem to be on the amex website?
Hello, the referral link is not working anymore!
updated, thanks!
https://www.americanexpress.com/en-sg/insurance/referral/invitation/1c5df60d-916d-41fc-a3c5-7145e8540f3e/
Aaron, the link does not work anymore, pls refresh, thanks.
https://www.americanexpress.com/en-sg/insurance/referral/invitation/74df2e59-3c7c-415f-bcdf-66050b13c2b4/
still working for me.
Link expired. Amex still giving out the benefits??
use this: https://www.americanexpress.com/en-sg/insurance/referral/invitation/842a3c39-741f-4381-8856-db554b177a45/
but the gifts arent that great anymore, fair warning
hi aaron, link expired.
Hi Aaron, link expired.
seems like the referral programme is temporarily on hiatus! will update if it comes back
Hi Aaron, update referral link pls.
updated here, thanks: https://www.americanexpress.com/en-sg/insurance/referral/invitation/6b1d1dc1-3841-427d-a6bc-08072e54d7a4/
Any new referral link to use, the ones here expired
this still works: https://www.americanexpress.com/en-sg/insurance/referral/invitation/6b1d1dc1-3841-427d-a6bc-08072e54d7a4/
Hi, can you provide the link again? Thanks!
here you go: https://www.americanexpress.com/en-sg/insurance/referral/invitation/4da9b655-307f-406e-9733-a1cde99b490f/