Reply To: Travel insurance not what it seems

[Cranzle]

Freddy wrote:

vzzbuckz wrote:

Certainly, Insurance is not a reason to keep the Platinum and I would value it as zero in terms of offset to fees (you may be able to claim in some capacity but to all intents, I class it as not covered). Obviously weigh up the other benefits of the card. Personally, I have Platinum and Nationwide Flexplus and pay a bit extra to have minor conditions covered as I travel to the US fairly regularly and no insurance there would be catastrophic.

Someone with no pre-existing conditions would obviously value the plat offering quite differently or are we suggesting it’s a dud product overall

Agreed, but with NICE recently lowering the thresholds for people who should initiate treatment for hypertension or hypercholesterolaemia, it’s likely that a lot of people will find this policy useless. The general frustration on here seems to be Amex’s unwillingness to move with the times and allow a flexible policy where one can upgrade the policy to include pre-existing conditions.