Over the last year, there have been rumbles of discontent in our comments section about the travel insurance policy provided with The Platinum Card by American Express.
On paper this is a strong offer. Subject to enrolment, Platinum cardholders receive coverage for themselves and their immediate family. Even better, anyone who is given a free supplementary card on the account also receives coverage for themselves and their immediate family. Until she hit the cut-off age of 70, my Mum had a supplementary card on my account purely for this reason.
American Express has a strong track record – at least in my personal experience – of paying claims. I have had claims paid where we did not stick to the rules in the policy, by using unapproved doctors or not seeking approval before getting treatment.
There were some notable holes. The main one was over the lack of coverage for pre-existing conditions. In theory, anyone with raised cholesterol – for example – was disqualified from medical cover under the policy. Given that The Platinum Card customer base skews older than many cards, this was not ideal.
American Express has now changed its rules over pre-existing conditions. It has published a long list of conditions – download a PDF here – for which you are now covered as long as you are not receiving treatment. Having had constipation in the past no longer stops you from making a claim if you suffer an exceptionally bad case whilst on holiday!
Amex has also expanded the list of winter and summer sports covered by the Platinum travel insurance. You are now insured for playing badminton, rounders or bowling. More usefully, horse riding, ballooning, scuba diving, paintball, wind surfing and standard surfing are also covered, along with a range of riskier winter sports options.
If you were previously paying high insurance premiums to cover your family against certain sports, or because you had a particular pre-existing condition, you may want to take another look at The Platinum Card.
Want to earn more points from credit cards? – January 2021 update
If you are looking to apply for a new credit or charge card, here are our January 2021 recommendations based on the current sign-up bonus.
British Airways American Express
5,000 Avios for signing up, no annual fee and a companion voucher for spending £20,000 Read our full review
British Airways American Express Premium Plus
25,000 Avios and the UK’s most valuable credit card perk – the 2-4-1 companion 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
30,000 points and an unbeatable set of travel benefits – for a fee Read our full review
Virgin Atlantic Reward+ Mastercard
15,000 points bonus and the most generous non-Amex for day to day spending 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:
American Express Business Gold
20,000 points sign-up bonus and free for a year Read our full review
American Express Business Platinum
40,000 points sign-up bonus and a long list of travel benefits Read our full review
British Airways Accelerating Business American Express
Earn both Avios and BA On Business points with your business spending Read our full review
Capital On Tap Business Rewards Visa
The most generous Avios Visa or Mastercard for a limited company Read our full review
Disclaimer: Head for Points is a journalistic website. Nothing here should be construed as financial advice, and it is your own responsibility to ensure that any product is right for your circumstances. Recommendations are based primarily on the ability to earn miles and points and do not consider interest rates, service levels or any impact on your credit history. By recommending credit cards on this site, I am – technically – acting as a credit broker. Robert Burgess, trading as Head for Points, is regulated and authorised by the Financial Conduct Authority to act as a credit broker.