American Express Platinum insurance proves its worth
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The American Express Platinum charge card has taken a lot of stick this year. And frankly, most of it was justified.
There was a lot of grumbling, to put it mildly, when Amex cut the insurance benefits on its Platinum charge card in January. What was comprehensive, no-worries cover became a bit of a game, with flights and hotel required to have been paid on an Amex card in order to qualify for some benefits. They then hiked the fee to £450 from £300, with no improvement in benefits apart from one year of Cathay Pacific Gold status.
Let’s give them some credit though. When we were in Barbados recently, our son vomited badly for a day and so we had him seen by the resident hotel doctor. We did not get this pre-approved by Axa (Amex’s insurance partner), which is a pre-condition for repayment.
I had deleted all my e-ticket receipts by the time I submitted the claim, and the claim itself was a scruffy receipt torn from a standard receipt book, available in any stationers, with B$450 written on it (c £150) and rubber stamped with the doctor’s name. Not exactly great proof – all that I sent Amex was that receipt.
And, today, I got an e-mail saying they were paying me in full. The same thing happened four years ago, when I got a bug at the Four Seasons Florence and saw the hotel doctor, without any Amex pre-approval. Credit where it’s due – both times they paid my claims promptly even though I technically had not submitted all the required paperwork or proof of travel.
Hopefully my 15 years of card membership and modest claims record (those two claims are all I have made in probably 100 trips in that time, not that they know how often I travel) counted for something.
Want to earn more points from credit cards? – April 2024 update
If you are looking to apply for a new credit card, here are our top recommendations based on the current sign-up bonuses.
In February 2022, Barclaycard launched two exciting new Barclaycard Avios Mastercard cards with a bonus of up to 25,000 Avios. You can apply here.
You qualify for the bonus on these cards even if you have a British Airways American Express card:
Barclaycard Avios Plus Mastercard
Get 25,000 Avios for signing up and an upgrade voucher at £10,000 Read our full review
Barclaycard Avios Mastercard
5,000 Avios for signing up and an upgrade voucher at £20,000 Read our full review
You can see our full directory of all UK cards which earn airline or hotel points here. Here are the best of the other deals currently available.
British Airways American Express Premium Plus
25,000 Avios and the famous annual 2-4-1 voucher Read our full review
American Express Preferred Rewards Gold
Your best beginner’s card – 20,000 points, FREE for a year & four airport lounge passes Read our full review
The Platinum Card from American Express
40,000 bonus points and a huge range of valuable benefits – for a fee Read our full review
Virgin Atlantic Reward+ Mastercard
15,000 bonus points and 1.5 points for every £1 you spend Read our full review
Earning miles and points from small business cards
If you are a sole trader or run a small company, you may also want to check out these offers:
SPECIAL OFFER: Until 12th May 2024, the Capital on Tap Business Rewards Visa card is offering a bonus of 30,000 points, convertible into 30,000 Avios. You must have a Limited Company to apply. Click here to learn more and click here to apply.
British Airways Accelerating Business American Express
30,000 Avios sign-up bonus – plus annual bonuses of up to 30,000 Avios Read our full review
American Express Business Platinum
40,000 points sign-up bonus and an annual £200 Amex Travel credit Read our full review
American Express Business Gold
20,000 points sign-up bonus and FREE for a year Read our full review
Capital on Tap Business Rewards Visa
Huge 30,000 points bonus until 12th May 2024 Read our full review
For a non-American Express option, we also recommend the Barclaycard Select Cashback card for sole traders and small businesses. It is FREE and you receive 1% cashback on your spending.
Barclaycard Select Cashback Business Credit Card
1% cashback uncapped* on all your business spending (T&C apply) Read our full review