Travel insurance Amex vs others

There’s no issue being double insured – you need to declare that when you make a claim, but the insurance companies sort it out amongst themselves. Had a large claim which we used the Platinum Amex to cover, but could have used one of our other two instead.

Take a look at what each one covers – sometimes only one will cover what you need for a particular trip.

Amex travel insurance has postponement cover, so if unwell before travel, then to change everything by a week could cost 1000s, many other insurance polices don’t have this. They just pay you the cost of the holiday you booked (cheaply months ago).
Just discovered that Yonder’s credit card has re-booking cover in its travel insurance at £180 a year.

squawk7700 wrote:

Whilst we’re on the topic, does anyone have experience of Amex covering pre-existing conditions? For example what if something happens partway through the card year; I can’t recall Amex ever reminding me that new conditions should be declared at the renewal stage?

There isn’t any ‘renewal’ stage for the Amex Platinum insurance, it’s a rolling policy in the same way as your card contract is an evergreen one, albeit you pay a fee on each anniversary. There’s no declaration of pre-existing conditions as they simply won’t cover them, unless on the list of approved ones. You would need to speak to Amex if you developed a condition between booking and travel to ascertain their position.

It was really smooth for us when we had to postpone the trip by 3 days, as my son was unwell. Just £1k claimed for rearranging flights. Once they got the dr certificate and the new and old flight invoices, they paid.