American Express has reinstated the old Terms & Conditions for the travel insurance benefit that comes with The Platinum Card.
There was a huge outcry from Head for Points readers when we highlighted the original change last week. To put it into perspective, the original article was read over 25,000 times on the site – this was DOUBLE the 2nd most read article last week. It was also read by our 13,000 email subscribers.
What is the rule now?
Here is a link to the travel insurance Terms & Conditions on The Platinum Card website.
Last week, American Express changed the wording (under the definition of ‘Account’) to say that you must pay on The Platinum Card to be fully covered by the insurance.
This was bad news, because many HfP readers preferred to pay with a different American Express card. After all:
British Airways American Express Premium Plus offers double points on BA flight bookings at ba.com, earns 1.5 Avios per £1 on all other spend and spend counts towards your 2-4-1 Avios voucher (£10,000 spend required)
Preferred Rewards Gold offers double points for airline spend and double points abroad, and earns you 10,000 bonus Membership Rewards points when you spend £15,000 per card year
Starwood Preferred Guest American Express offers double points at Marriott hotels
All of these cards are a better choice than paying with The Platinum Card which only offers 1 Membership Rewards point per £1 spent.
The old wording has now returned.
Look at the document now and it says that you can pay with (under the definition of ‘Account’):
“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”
…. and still be covered. American Express has confirmed to me that the old wording is back permanently.
How does the Amex Platinum insurance work?
As a quick reminder, for medical and other ‘big stuff’, you are covered irrespective of how you paid for your trip.
However, for claims under the categories below, you needed to have paid with a qualifying American Express card – which last week changed to just The Platinum Card:
- Cancelling, Postponing and Abandoning your Trip
- Cutting Short your Trip
- Travel Inconvenience
- Personal Belongings, Money and Travel Documents
- Purchase Protection
- Refund Protection
Note that the Amex website is not yet fully fixed
The insurance documentation has now been updated.
As of last night, however, The Platinum Card website still showed the following (click to enlarge):
…. which still insists that a Platinum card is used for payment. Hopefully this will get updated soon.
Thanks to everyone who complained to American Express, either directly or via social media, following our article last weekend.
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:
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.