If you’re planning a holiday and need travel insurance, you can currently earn 3,000 Avios when you purchase an eligible American Express Travel Insurance policy through the referral programme.
If you collect Avios, this is an easy way to earn a valuable bonus while also protecting yourself against unexpected travel disruption.
✈️ Claim your 3,000 Avios
If you complete an eligible purchase through my referral link, you’ll receive 3,000 Avios (1500 for the referrer).
What is American Express Travel Insurance?
American Express Travel Insurance provides cover for a wide range of travel-related situations, helping protect you financially if things don’t go to plan.
Depending on the policy you choose, cover may include:
- Medical emergencies abroad
- Trip cancellation
- Missed departures
- Lost or delayed baggage
- Personal belongings
- Travel disruption
- Personal liability
Policies are underwritten by Chubb, one of the world’s leading insurance providers.
Related content: Get 500 easy Avios when you download the Avios app (2026)
How to get 3,000 Avios
Getting the bonus is simple.
Step 1
Open this referral link: https://www.americanexpress.com/en-gb/insurance/referral/invitation/97217a76-4832-4fd3-8a11-123bbde13122/
Step 2
Choose an eligible American Express Travel Insurance policy.
To qualify for the promotion, the policy must cost £80 or more at the time of purchase.
Step 3
Purchase the policy using your eligible American Express Card.
Step 4
Receive your reward. After your qualifying purchase, you’ll receive: 3,000 Avios
According to American Express, bonus Avios can take up to 12 weeks to be credited to your account.
Key terms and conditions
Before purchasing your policy, here are some of the most important conditions to be aware of:
- Your travel insurance policy must cost £80 or more.
- You must purchase the policy using the referral link.
- Payment must be made using an eligible UK-issued American Express Card.
- The referral reward only applies to the initial policy purchase. Additional cover added later does not qualify.
- The referral link remains valid for 30 days after it has been generated.
- Bonus Avios may take up to 12 weeks to appear in your account.
- The promotion is subject to the full American Express Insurance Referral Programme Terms and Conditions and may be changed or withdrawn at any time.
Eligible American Express Cards
To participate in the referral programme, both the referrer and the new customer must hold at least one eligible UK-issued American Express Card.
Eligible cards include:
- The Platinum Card®
- Preferred Rewards Gold Card
- British Airways American Express® Credit Card
- British Airways American Express® Premium Plus Card
- American Express Cashback Credit Card
- American Express Cashback Everyday Credit Card
- American Express Rewards Credit Card
- American Express Green Card
- The Centurion® Card
If you’re unsure whether your card qualifies, check the latest programme terms before applying.
How much are 3,000 Avios worth?
The value of Avios depends on how you choose to redeem them.
Many travellers value 3,000 Avios at around £25 to £40, although you may achieve even better value when using them for premium cabin upgrades or reward flights.
You can redeem Avios for:
- British Airways reward flights
- Iberia flights
- Qatar Airways flights
- Flight upgrades
- Hotel stays
- Car hire
- Shopping rewards
Related article: Are you a business owner? On Business referral code for 1,500 bonus On Business Points [British Airways]
Is Amex Travel Insurance worth it?
If you’re already planning to purchase travel insurance, earning thousands of Avios at the same time is an attractive bonus.
American Express Travel Insurance is backed by Chubb and offers a range of policies suitable for:
- Weekend breaks
- Family holidays
- European travel
- Worldwide trips
- Business travel
Rather than buying travel insurance elsewhere, this promotion lets you earn Avios that can be used towards your next trip.
Related article: Amex referral code for your Amex card – UK
Frequently Asked Questions
How many Avios do I receive?
Eligible new customers receive 3,000 Avios after purchasing a qualifying travel insurance policy through the referral programme.
Does the policy need to cost a minimum amount?
Yes.
The qualifying travel insurance policy must cost £80 or more at the time of purchase.
Which payment method must I use?
The policy must be paid for using an eligible UK-issued American Express Card.
How long does it take to receive the Avios?
American Express states that bonus Avios can take up to 12 weeks to be credited.
Can I refer myself?
No.
The American Express Insurance Referral Programme does not allow self-referrals.
Is travel insurance worth buying?
Travel insurance can provide valuable financial protection against unexpected events such as medical emergencies, cancellations, lost luggage and travel disruption. The level of cover you need depends on your destination, trip length and personal circumstances.
TDTR
If you’re already planning to buy travel insurance, this referral offer is an excellent opportunity to earn 3,000 Avios at no extra cost.
Simply purchase an eligible American Express Travel Insurance policy through the referral link.