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Forums Payment cards American Express Is travel insurance from BAPP Amex enough?

  • zxydxdm 14 posts

    I recently have my BAPP approved.
    Should I get extra travel insurance?

    BA Flyer IHG Stayer 1,844 posts

    Only if you think tne Amex policy doesn’t meet your particular needs

    masaccio 673 posts

    I recently have my BAPP approved.
    Should I get extra travel insurance?

    Yes if you are a scuba diver.

    zxydxdm 14 posts

    I recently have my BAPP approved.
    Should I get extra travel insurance?

    Yes if you are a scuba diver.

    ouch, I do frequently dive. guess I need extra cover

    JDB 4,138 posts

    @zxydxdm since the BAPP provides almost no travel insurance, you need another policy to cover almost everything, not just scuba diving.

    tbtb31 71 posts

    I recently have my BAPP approved.
    Should I get extra travel insurance?

    Yes if you are a scuba diver.

    ouch, I do frequently dive. guess I need extra cover

    The Amex Platinum travel insurance does cover scuba diving, all the way down to 30m, in case you’re considering a card switch sometime in the future.

    zapato1060 561 posts

    I didn’t buy my tickets with Plat so looks like I will need one to cover flights!!!

    OldFashioned 46 posts

    Generally not enough, especially if you didn’t pay for the trip on the actual card, which Centurion apart means not covered. So a basic trip paid for entirely on the card you will probably be ok, anything outside that get a separate policy.

    yonasl 922 posts

    I wouldn’t call the Amex insurance “travel
    Insurance”. It gives you a little protection if things go wrong (luggage, flight cancellation, etc.) but won’t cover you if you need to cancel yourself for medical reasons or if you have a ski/scuba accident.

    On the Amex website you can click around and arrive at the policy itself. Have a read and decide if it is enough for you.

    Carlos 758 posts

    you also need to notify the insurer when you make a claim that you have another insurer
    they might even pay 50% and tell you to do one

    Luca M 391 posts

    Generally not enough, especially if you didn’t pay for the trip on the actual card, which Centurion apart means not covered. So a basic trip paid for entirely on the card you will probably be ok, anything outside that get a separate policy.

    It has confirmed several times that as far it has been paid by another Amex, you will be covered (e.g paying with a BAPP but making a claim via the Amex Platinum Insurance).

    baec_newbie 87 posts

    Generally not enough, especially if you didn’t pay for the trip on the actual card, which Centurion apart means not covered. So a basic trip paid for entirely on the card you will probably be ok, anything outside that get a separate policy.

    It has confirmed several times that as far it has been paid by another Amex, you will be covered (e.g paying with a BAPP but making a claim via the Amex Platinum Insurance).

    This is what the Platinum travel insurance policy wording says on the subject (quoting from the section around cancellation, but the relevant wording is identical for all sections that have this requirement):

    For the benefits under this section to apply transport and/or accommodation must have been Purchased in full using :
    I. the Card;
    II. American Express Membership Rewards® points; or
    III. Any travel rewards programmes provided the taxes and/or surcharges have been Purchased using the Card.

    The term “Card” is defined in the Definitions section as:

    “Card” means any Card or other Account access device issued to a Cardmember (or a Supplementary Cardmember) for the purpose of accessing the Account.

    In turn, Account is defined as:

    “Account” or “Card Account” means Your consumer and small business cards issued by American Express in the UK, excluding corporate cards and any American Express cards issued by bank partners.

    So, if we insert these definitions into the original clause, we end up with:

    For the benefits under this section to apply transport and/or accommodation must have been Purchased in full using :
    I. any Card or other Account access device issued to a Cardmember (or a Supplementary Cardmember) for the purpose of accessing Your consumer and small business cards issued by American Express in the UK, excluding corporate cards and any American Express cards issued by bank partners;
    II. American Express Membership Rewards® points; or
    III. Any travel rewards programmes provided the taxes and/or surcharges have been Purchased using any Card or other Account access device issued to a Cardmember (or a Supplementary Cardmember) for the purpose of accessing Your consumer and small business cards issued by American Express in the UK, excluding corporate cards and any American Express cards issued by bank partners.

    This (in particular the plural, cards, in the definition of Account) makes it clear that you’re covered so long as you pay with an Amex that’s yours – even if it’s not necessarily the Platinum card.

    JDB 4,138 posts

    The original post enquired about the (very limited) travel insurance on the BAPP so all the Plat chat doesn’t assist.

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