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GOOD NEWS: American Express reinstates the old rules for Platinum travel insurance

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Good news.

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, 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

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? – December 2023 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

Barclaycard Avios Plus Mastercard

Get 25,000 Avios for signing up and an upgrade voucher at £10,000 Read our full review

Barclaycard Avios card

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.

SPECIAL OFFER: Until 9th January 2024, you will receive 30,000 Membership Rewards points (convertible to 30,000 Avios) with American Express Preferred Rewards Gold. You receive 25,000 points if you spend £3,000 in three months and a further 5,000 points if you hold the card for 15 months. You can apply here.

SPECIAL OFFER: Until 9th January 2024, you will receive a huge 100,000 Membership Rewards points (convertible to 100,000 Avios) with The Platinum Card. You receive 75,000 points if you spend £10,000 in six months and a further 25,000 points if you hold the card for 15 months. You can apply here.

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 – 30,000 points (TO 9th JANUARY), FREE for a year & four airport ….. Read our full review

The Platinum Card from American Express

Crazy 100,000 points (TO 9th JANUARY) 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:

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 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

Get a 10,000 points bonus plus an extra 500 points for our readers 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 (169)

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

  • Harry says:

    I think the ammount of questions raised here ‘re Amex Platinum insurance cover have helped me come to the conclusion that it is risky for me to rely on this, particularly with health cover. I take Statins as my cholesterol level is just within acceptable levels but I believe that they are of benefit. Also I had investigations recently into a heart issue that thankfully resulted in a diagnosis of a benign condition. These two could I guess from reading the policy conditions result in refusal of cover in say a case of heart attack or stroke. Something I do not feel comfortable risking.

    Has anyone spoken with Amex ‘re cover when taking Statins? Also I would very much appreciate any recommendations for quality annual travel health cover, ideally without the Amex ambiguity.

    Thanks for any advice.

    • Jen says:

      Most decent plans undertake a pre-health check nowadays so both you and the underwriter know whats what before you even purchase never mind travel.

    • Lady London says:

      Staysure seems OK if you are their target vustomer. The important thing with them is full disclosure in which case i gather provided you play by their rules and keep them informef they seem to cover preexisting not always covered elsewhere.

  • Beverly A Mills says:

    Why is this coverage not offered in the US?

  • Russ says:

    Totally OT as no bits but this is the closest link, I’ve just received my first ever email from Amex highlighting the alleged benefits of paying by flexible installments. Apparently it may be useful if I wanted to stock up the fridge?!? Are they hinting they’re not making enough money out of me?

  • James Robbins says:

    Off Topic but Platinum Card related.0

    I signed up for the Amex Small Business Platinum Card and was approved on the 1st April. I received the priority card in the post but I still have not received the Amex card. Is this normal for the card to take nearly 2 weeks to arrive?

    The reason I ask is that I now only have 2.5 months to spend the £6k to get the 40k of MRs.



    Ps. Thank you for this great site.

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

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