Amex platinum travel delay insurance – what can I claim?

[FlyAlway]

I am stuck waiting on a delayed ferry to Scotland. The Amex platinum insurance booklet says I can claim refreshment or accommodation expenses up to £150pp if my delay is over 4 hours.

What counts as refreshments? Food, drink? Is newspaper/magazine/wifi allowed?

I’ve never used this policy before so some real world examples would be much appreciated

[JDB]

For the travel inconvenience section to be applicable you need to have paid for the ferry tickets on Amex. I would expect the word ‘refreshments’ to apply literally, so only the reasonable cost of food and drink appropriate to the time of day covered by the delay.

[FlyAlway]

Yes, I bought the ferry on my card. So hopefully I’m covered.

JDB wrote:

For the travel inconvenience section to be applicable you need to have paid for the ferry tickets on Amex. I would expect the word ‘refreshments’ to apply literally, so only the reasonable cost of food and drink appropriate to the time of day covered by the delay.