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Forums Payment cards American Express BAPP travel inconvenience insurance and EU261

  • barracuda 33 posts

    I have had a number of cancelled flights/delays/missed connections over the past year – and one thing I never really looked into has been the travel inconvenience insurance provided by the BAPP.

    There have been lots of cancellations/delays in 2022 and a handful in 2023 and I never looked into claiming anything against BAPP.

    I had read the terms and the exclusion the “Costs which are recoverable from any other source” to mean that if EU261 provides me something I wouldn’t be eligible.

    Have I left money on the table – and should I be calling up the underwriter on the BAPP insurance product for some $$$ ?

    BA Flyer IHG Stayer 2,396 posts

    The vast majority of insurers will require you to apply to BA (or any other airline) for refunds etc first.

    Even if you don’t they can just act as though you have and reduce a claim by the level of APD and airport fees (easily ascertained) for example.

    But it could also depend on various parts of the policy.

    If it pays out £50 for a 5 hour delay as a fixed sum for “inconvenience” then generally that gets paid as airlines don’t pay that sort of sum.

    But it won’t pay for a hotel if you are delayed overnight if those costs are claimable from the airline. But it might cover you for the cost of a lost hotel night at your destination.

    JDB 4,888 posts

    Doesn’t the BAPP only offer travel accident insurance? And only the most extreme cases.

    freckles 202 posts
    JDB 4,888 posts

    @JDB There is some travel inconvenience cover included

    https://icm.aexp-static.com/Internet/internationalcardshop/en_gb/pdf/ba-premium-plus-credit-card/UK_BA_Premium_Plus_Insurance_Documentation_v1_0.pdf

    Apologies, yes it’s the free card that only has accident cover. The missing baggage cover under travel inconvenience on the BAPP looks greater than on Plat?

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