Amex Platinum insurance – MASTER THREAD

[Caps44]

Quick question, would appreciate some guidance.

Due to fly on Friday, we have Platinum card and hotel and flights paid by Platinum and BAPP.

My son is unwell, and we have obtained a not fit to fly letter in case he doesn’t get better.

I assume I can put back our flights a couple of days and claim this? We would use the hotel 2 days less, but that’s ok.

Also would we be able to move both flights 2 days back, so we keep the same time away? I assume not.

[StanTheMan]

Had identical situation with Eurostar Paris trip this week.

“Postponement” is totally covered. We were due to move the trip 7 days back. Same time away. Quick call to Amex insurance confirmed any extra cost of train/hotel would be fully covered.

Would need original invoice, and proof of extra costs incurred, along with the Doctor’s note.

They even sent me a link while on the phone to start the claim…..

[Caps44]

I spoke to them today and yes, they cover postponements. I was looking out of curiosity at HSBC Premier travel insurance and they don’t have postponement.

Quite impressed with the travel insurance.

Anyways we moved the holiday back 2 days.

[StanTheMan]

Caps44 wrote:

I spoke to them today and yes, they cover postponements. I was looking out of curiosity at HSBC Premier travel insurance and they don’t have postponement.

Quite impressed with the travel insurance.

Anyways we moved the holiday back 2 days.

Ditto, I was very impressed. Have only ever had good experiences with the Plat insurance.
Hope you have a great holiday

[windym]

We have a holiday coming up in September. I’ve paid for the flights with Amex Plat but the hotel on a separate booking doesn’t take Amex. I’ll give Axa a call tomorrow to see if I’m covered for the hotel as well but anybody else had the same issue and if so, what was Axa’s reply? Thanks

[windym]

All sorted. Bit of a mare trying to speak to somebody but the short of it is as long as I have written confirmation that the hotel doesn’t accept Amex then I will be covered.

[ukgeorge]

I have an upcoming car rental with Sixt at LAX. To validate the insurance I understand I have to reject all insurance provided by the car rental company. Does this mean i have to reject LDW as well as CDW? I have not used Amex car hire insurance before. Is rejecting this obvious on the insurance document? Does this mean you do not have to pay the fee for an additional driver (friend)?

[bbbb23]

Can anyone clarify the immediately family cover – in that are they covered in their own right or only when travelling with a cardholder?

For example – I am primary platinum cardholder. My partner is supplementary cardholder. If I pay for flights for her parents on my platinum card, are they covered for cancellation? (Neither me or partner are travelling, just booking their flights)

[JDB]

bbbb23 wrote:

Can anyone clarify the immediately family cover – in that are they covered in their own right or only when travelling with a cardholder?

For example – I am primary platinum cardholder. My partner is supplementary cardholder. If I pay for flights for her parents on my platinum card, are they covered for cancellation? (Neither me or partner are travelling, just booking their flights)

In a spirit of helpfulness, see below, copied and pasted from the policy document, but it is most unwise to ask random people, even HfP ones, advice on something as vital as insurance. Read the policy document provided to you.

WHO IS COVERED
All Platinum Cardmembers including Supplementary Cardmembers and their respective Families are covered. In addition, all travel insurance benefits under this Section 1 will apply to grandchildren who are under the age of 25 on the first day of the Trip when they are travelling with You.

“Family” means Your partner or spouse, living at the same address as You, and Your Children.

If your partner’s parents need a travel policy that’s pretty good, particularly for older people, it’s worth looking at the one that comes with the Nationwide FlexPlus bank account (that also includes AA cover for the sole or joint account holders) for £13/month. It doesn’t cover car hire excess, but otherwise compares very favourably to Amex Plat.

[bbbb23]

Thank a lot JDP. Appreciate the help and recommendation. And yes, agreed on not taking formal advice outside of policy document! Just figured members on this thread would have considered this concept – Ie do you generally consider your families as insured for their individual travel, by you having the platinum, or only when you’re going on a trip with them. Of course always subject to specific caveats and limitations per each line of the policy.
Thanks again!

[dshunter]

Had a brain fart and paid for an expensive non refundable hotel with my virgin Atlantic card instead of my Amex. Points greed took over momentarily unfortunately.

Flights were booked with points + Amex. Will call the hotel company to see if I can change my payment method tomorrow (unlikely I suspect), but does anyone know if I part pay for the hotel with Amex (I’m thinking adding the cheapest upgrade they do), I’ll get the cancellation cover?

[n1368585]

Hi,

Just returned from a trip to Disneyland Paris. Wallet was stolen at Gare Du Nord.
As the bulk of the trip was booked before I had the Platinum card, would the insurance still cover this?
I did book two rooms in a hotel near St. Pancras for the night before our Eurostar which was paid on Platinum card – would this trigger the insurance?

[Guernsey Globetrotter]

n1368585 wrote:

Hi,

Just returned from a trip to Disneyland Paris. Wallet was stolen at Gare Du Nord.
As the bulk of the trip was booked before I had the Platinum card, would the insurance still cover this?
I did book two rooms in a hotel near St. Pancras for the night before our Eurostar which was paid on Platinum card – would this trigger the insurance?

Don’t over complicate it – read the policy – if you are on a trip and held the card on the day of the incident then you are covered (at least up to £500 for cash), provided you report the theft to the police or provider of your your transport or accommodation within 48 hours and obtained a report – see FAQs :
https://www.americanexpress.com/en-gb/benefits/insurance-and-protection/the-platinum-card/travel-insurance/

But even better – review the full policy on the Amex site and/or call them rather than relying on us randomers on teh interwebz 😉

[djdj]

I’m sure this has been asked before,

I have paid for part of a holiday using BA Amex card (before I took out the platinum card), now my final part of the payment is due.
I’m just wondering if I’m better paying with the Platinum card or BA amex, I already have travel insurance with Natwest, but I think the Platinum insurance is likely superior. I will get more avios with the BA card.. So wondering what people do in this situation.

[JDB]

djdj wrote:

I’m sure this has been asked before,

I have paid for part of a holiday using BA Amex card (before I took out the platinum card), now my final part of the payment is due.
I’m just wondering if I’m better paying with the Platinum card or BA amex, I already have travel insurance with Natwest, but I think the Platinum insurance is likely superior. I will get more avios with the BA card.. So wondering what people do in this situation.

You should look at the two policies you have; in most respects the Amex Plat policy is inferior to other packaged policies eg NatWest, HSBC, Nationwide etc. but you need to determine what is best for your particular circumstances.

[Helloboy]

Looking for a bit of help as have a car rental coming up in a few hours in cyprus.

Looking to rent with my Amex platinum via avis.
I know that Amex says car rental insurance is only valid if rental agency allows refusal of their insurance. I would take that to mean when you have the option to not purchase additional insurance.

However what will happen when certain insurance comes included and you are not able to refuse /remove them.
In this case, the terms say that cdw and others is included with an excess of 850 euros and there doesn’t seem to be a way to remove this insurance from avis and say hey I don’t want any insurance since Amex covers it.

Will Amex still cover the 850 euro excess that the card rental would have me pay if there was any damage ?

[JS]

Just noticed Amex buis platinum does not cover the familys of suplementry cardholders anymore, When did that happen?
Also do personal platinum additional gold card holders still get the same insurance as the platinum?

[sijt]

Is anyone else having issues with the website when making a claim? I’m trying to claim for damage to a hire car in France and I’ve completed all the details up until it gets to step 4 “What type of purchases are you claiming for?”. The page just doesn’t seem to load properly. Where, on previous pages, there’s been a form to complete (i.e. a series of questions with either options or a text box) there’s just an empty white box. Not an empty text box I can type in to, just an empty box with nothing in it. I can’t proceed with the claim without completing this page (aside, what are the purchases I’m claiming for when it’s a charge on a hire car?? That’s very odd phrasing). I’ve tried the usual like changing browsers, turning off ad blockers. I’ve ever tried on a completely different machine but it’s all the same.

Is this a common thing? Or just me? Anyone got any ideas? I’ve emailed their contact address but not expecting a speedy response.

[DJ]

JS wrote:

Just noticed Amex buis platinum does not cover the familys of suplementry cardholders anymore, When did that happen?
Also do personal platinum additional gold card holders still get the same insurance as the platinum?

Personal Platinum’s additional green/gold card holders still get the same insurance. It is very clearly stated in the terms and conditions.

[Professor Calculus]

Hi

I have Amex Plat card therefore have the standard travel insurance included.

I have recently booked a cruise for my family and would like a back up travel policy ( not sure how good the Amex policy is ) can anyone recommend good travel insurance provider especially cover that is specific for cruises ? Don’t mind paying a little extra for quality and hassle free claim . Any feed back really welcome .

[mercexe]

sijt wrote:

Is anyone else having issues with the website when making a claim? I’m trying to claim for damage to a hire car in France and I’ve completed all the details up until it gets to step 4 “What type of purchases are you claiming for?”. The page just doesn’t seem to load properly. Where, on previous pages, there’s been a form to complete (i.e. a series of questions with either options or a text box) there’s just an empty white box. Not an empty text box I can type in to, just an empty box with nothing in it. I can’t proceed with the claim without completing this page (aside, what are the purchases I’m claiming for when it’s a charge on a hire car?? That’s very odd phrasing). I’ve tried the usual like changing browsers, turning off ad blockers. I’ve ever tried on a completely different machine but it’s all the same.

Is this a common thing? Or just me? Anyone got any ideas? I’ve emailed their contact address but not expecting a speedy response.

Did you manage to resolve this? I am having the EXACT same problem – have tried countless browsers, clearing cookies and even using my work network and PC. Same problem every time with the “What type of purchases are you claiming for?” page not allowing any entry. I tried calling and they were useless.

[Moley]

mercexe wrote:

sijt wrote:

Is anyone else having issues with the website when making a claim? I’m trying to claim for damage to a hire car in France and I’ve completed all the details up until it gets to step 4 “What type of purchases are you claiming for?”. The page just doesn’t seem to load properly. Where, on previous pages, there’s been a form to complete (i.e. a series of questions with either options or a text box) there’s just an empty white box. Not an empty text box I can type in to, just an empty box with nothing in it. I can’t proceed with the claim without completing this page (aside, what are the purchases I’m claiming for when it’s a charge on a hire car?? That’s very odd phrasing). I’ve tried the usual like changing browsers, turning off ad blockers. I’ve ever tried on a completely different machine but it’s all the same.

Is this a common thing? Or just me? Anyone got any ideas? I’ve emailed their contact address but not expecting a speedy response.

Did you manage to resolve this? I am having the EXACT same problem – have tried countless browsers, clearing cookies and even using my work network and PC. Same problem every time with the “What type of purchases are you claiming for?” page not allowing any entry. I tried calling and they were useless.

Website appears completely down today.

[Moley]

Professor Calculus wrote:

Hi

I have Amex Plat card therefore have the standard travel insurance included.

I have recently booked a cruise for my family and would like a back up travel policy ( not sure how good the Amex policy is ) can anyone recommend good travel insurance provider especially cover that is specific for cruises ? Don’t mind paying a little extra for quality and hassle free claim . Any feed back really welcome .

Amex does cover Cruises but you can’t request a certificate from the website.

I email help@axa-assistance.co.uk and they ask for Platinum card number, names of travellers, travel dates. Usually turned around same day.

Its cover is standard insurance cover, so no missed port cover or late return to ship cover.

[Professor Calculus]

Thanks Moley

[byt411]

mercexe wrote:

sijt wrote:

Is anyone else having issues with the website when making a claim? I’m trying to claim for damage to a hire car in France and I’ve completed all the details up until it gets to step 4 “What type of purchases are you claiming for?”. The page just doesn’t seem to load properly. Where, on previous pages, there’s been a form to complete (i.e. a series of questions with either options or a text box) there’s just an empty white box. Not an empty text box I can type in to, just an empty box with nothing in it. I can’t proceed with the claim without completing this page (aside, what are the purchases I’m claiming for when it’s a charge on a hire car?? That’s very odd phrasing). I’ve tried the usual like changing browsers, turning off ad blockers. I’ve ever tried on a completely different machine but it’s all the same.

Is this a common thing? Or just me? Anyone got any ideas? I’ve emailed their contact address but not expecting a speedy response.

Did you manage to resolve this? I am having the EXACT same problem – have tried countless browsers, clearing cookies and even using my work network and PC. Same problem every time with the “What type of purchases are you claiming for?” page not allowing any entry. I tried calling and they were useless.

Same problem here. Considered calling, have emailed onlineclaimsEN@axa-travel-insurance.com meanwhile. Did anyone else manage to figure it out?