Amex Platinum insurance – MASTER THREAD

[conspicuous-capybara]

@JDB Thank you very much for the kind words and the helpful advice, I really appreciate it. I’ll try to report back on my experience here once we get home.

[Bill]

no idea if this has been posted already in another thread

insurance T’s & C’s 2025

https://www.americanexpress.com/en-gb/insurance/termsandcondition/

[CamFlyer]

JDB wrote:

@conspicuous-capybara – I’m sorry to hear of your predicament and having to worry about the insurance situation doesn’t help. The “reasonable, necessary” is designed to be flexible and to indemnify you for the realistic costs. It may be an idea to call the claims number to get an OK or some guidelines if you are concerned. I think a basic principle is to spend the insurer’s money as if it were your own – carefully. Your thoughts of not taking the micky and getting screenshots or other evidence that what you spent was reasonable are exactly right. There’s no reason why a direct flight back should be excluded.

To the extent that you will be claiming for any non refundable hotel nights or trips etc. you need to ask the provider for a refund first and use any refusal to claim from the insurer.

One thing to beware of is the “unforeseen illness” clause in respect of the timing of your trip – ie what was already known at the time of your trip, eg awaiting test results/diagnosis etc. which may require a helpful doctor’s letter.

Do the research as to costs, and ask in advance. As JDB said, if you act as if it were your own money with a budget for whatever class of service you used you will likely receive a better response. My experience in similar travel circumstances was that business class was reasonable, as I had originally traveled in business, but I was only covered to change the date of the original ticket and pay the fare differential. I did not ask to book a completely new last-minute ticket, but a change fee and increased fare necessitated by the covered event was considered reasonable. In the OP’s case, the base case would be to change / rebook the original return flights (and of course eliminate the stay in Oslo). IIRC, all Norse premium fares are changeable, for a fee.