I am in exactly the same position and was veering towards keeping as have a lot of trips next year and the no nonsense insurance is a bonus. HOWEVER they have just suspended my ability to refer which has left a sour taste in my mouth. So now as soon as i receive the 80k MR i will be cancelling
Amex Plat is far from a “no nonsense” insurance policy!
It’s been zero nonsense for me, despite living overseas and making four claims over the years; 3x CDW, which were incredibly straightforward, 1x cancellation.
The cancellation took a bit longer due to circumstances – I was in DXB, due to fly DOH-ADL-AKL-MEL in J (with time in AKL in the middle) – flooding in Auckland meant I changed my plans – cancelled DOH-ADL-AKL (redemption, easy) and AKL-MEL (revenue J, non-refundable), rebooked myself onto EK F DXB-MEL using QF points and around $1k fees/taxes/etc.. My claim was for either the cost of the AKL-MEL flight or the cash element of DXB-MEL (acknowledged that upgrading to F was a choice, albeit the only seat available, but made it clear I was making no claim for the Qantas points redeemed in the booking).
Ultimately, once they’d confirmed I’d paid for the new flight using an Amex card (which was issued in a completely different country), they were happy. I find the insurance one of the biggest benefits, since travel insurance in Australia is quite expensive and this covers both my OH and I.
Of course others’ mileage may vary, but it works for me.
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