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American Express Platinum makes a big change to its travel insurance – but hasn’t told us (or you)

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One of the key benefits of The Platinum Card from American Express is the travel insurance that comes with it.  It covers a lot of people – the cardholder, supplementary cardholders, their partners and dependent children under the age of 25, whether travelling together or alone and whether on business or leisure trips.

If you hand out your supplementary cards wisely, you can cover a lot of people.  My Mum had a supplementary card on my account for many years until she reached 70, which is the cut-off point.

You are not FULLY covered however ….

Since the last ‘refresh’ of The Platinum Card, it has been necessary to pay with an American Express card in order to receive the full insurance coverage.

If you wanted to claim for any of the following:

  • Cancelling, Postponing and Abandoning your Trip
  • Cutting Short your Trip
  • Travel Inconvenience
  • Personal Belongings, Money and Travel Documents
  • Purchase Protection
  • Refund Protection

….. then it was necessary to have paid on an American Express card as long as the hotel or airline accepted it.

For medical and other ‘big stuff’, you are covered irrespective of how you paid for your trip.  It is only claims under the categories above which require you to have used an American Express card.

But which card did you have to pay with?

This is the key bit.

The insurance policy USED to say that you could use:

“your consumer and small business cards issued by American Express in the UK, excluding corporate cards and any American Express cards issued by bank partners”

This meant that you could use ANY qualifying American Express card.  A lot of Head for Points readers would pay on their British Airways American Express Premium Plus card because:

1.5 Avios per £1 is worth more than 1 Membership Rewards point per £1 on Platinum

the spend would count towards the £10,000 for the annual ‘2 for 1’ Avios voucher

British Airways spending charged to a BAPP card earns double points, so 3 Avios per £1

American Express has now changed the rules

Here is the new insurance document dated March 2019 (PDF).

Turn to page 6 and look at the definition of ‘Account’.

It says that you must now pay on The Platinum Card to be fully covered by the insurance.  You will invalidate your claim if you pay with a British Airways American Express Premium Plus, or a Preferred Rewards Gold (which offers double points for airline spend and double points abroad), or a Starwood Preferred Guest American Express (which offers double points at Marriott hotels).

IMPORTANT – as you’ve not been told, it doesn’t yet apply to you

According to the rules of the insurance, American Express has to give you 30 days notice of any changes.  Whilst the new policy is in force for new cardholders, no existing cardholders have yet been notified of the change as far as I know.

Until you receive a letter, you have nothing to worry about.  There is a chance that American Express will not change the terms for existing cardholders, although I consider that unlikely.

What is NOT clear to me is what happens to existing bookings.  If you book a British Airways flight today on your Premium Plus Amex, purely because you know you will still be covered under the Platinum insurance, what happens if / when American Express gives you 30 days notice of the change?  Is your existing trip still fully covered or will Amex impose the new rules?

Has American Express made any other changes to the insurance?

I don’t know.  If / when we are officially notified of the changes to our own policies I would expect Amex to include a list of any other changes.


Want to earn more points from credit cards? – September 2022 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 card

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Barclaycard Avios Mastercard

5,000 Avios for signing up and an upgrade voucher for spending £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.

EDIT: Until 25th October 2022, there is an exceptionally generous sign-up bonus on The Platinum Card. You will receive 60,000 Membership Rewards points – double the usual amount – and £200 to spend at Amex Travel. You need to spend £6,000 within six months to earn the bonus.

British Airways American Express Premium Plus

25,000 Avios and the UK’s most valuable card perk – the 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 & two airport lounge passes Read our full review

The Platinum Card from American Express

60,000 points, £200 travel credit and an unbeatable set of travel benefits – for a fee Read our full review

Virgin Atlantic Reward+ Mastercard

15,000 points bonus 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:

American Express Business Platinum

40,000 points sign-up bonus and a long list of travel benefits Read our full review

American Express Business Gold

20,000 points sign-up bonus and free for a year Read our full review

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

Capital On Tap Business Rewards Visa

50,000 points bonus until 2nd October – the most generous Avios Visa for a limited company 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 credit card

1% cashback and no annual fee Read our full review

Comments (243)

This article is closed to new comments. Feel free to ask your question in the HfP forums.

  • JD says:

    The travel inconvenience on the BA premium card is better than the platinum one. £750 for delayed baggage for 4 hours (vs £300 for Platinum) and a further £1000 for 48 hours delay (vs £300 for platinum)
    Never understood why the two cards were different on this area

  • Gordon S says:

    It’s taken me weeks to get a response from AmexUK on this but today they responded with the following:

    “Hi, Some incorrect Travel Insurance Terms and Conditions were being shown online. This has now been corrected. There has been no change to the Travel Insurance Terms and Conditions for The Platinum Card, and the Head For Points page is incorrect. Thanks ^A”

    I’d welcome your response to this

This article is closed to new comments. Feel free to ask your question in the HfP forums.

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