Reply To: Amex Platinum Business – insurance question

[Bloxorus]

jamjamjam wrote:

Sadly I think maybe the terms have changed on this since Robs (excellent…!) article a couple of months back… I went on live chat and confirmed a couple of things:

“It doesn’t seem clear from the t&cs – is cancellation travel insurance only provided for travel that was paid on the american express card? I have pre-booked travel now for example that obviously will not have been paid for on the card as I haven’t applied yet – will that be covered? What about new trips if the travel agent does not take American Express – am I covered?”

They advised:

“Well, that’s a good question.
As per the card terms, you will only be covered for travel insurance for the trips or holidays that were booked using the Amex card.
If you have booked a trip now, since you did not use the Business card for payment, that trip will not be covered.
For the future bookings, if you use the Amex business card for the payment for that booking, then only you will get the travel insurance benefits.”

They definitely gave you the incorrect info. I have both a personal gold card which I use for the 2x points on airlines as well as the business platinum card. I use the gold card to book all my flights and I’ve dealt with the insurance on several occasions and never had an issue paying with a different card.