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I think it’s quite unusual for travel insurance to refund lost points/miles, have you found a policy that does explicity cover this?
No, I haven’t found such a policy but nor was I looking for one. I was not claiming for lost points. The stay went ahead. I think you may have missed the bit where I said I was claiming under section “1.4 Personal Belongings, Money and Travel”. More specifically, it was for damaged personal belongings.
I decided several years ago that other than car hire could not rely on Amex Plat insurance, particularly in regards to medical cover and ‘pre-existing conditions’…
Amex is now a little better with a list of covered conditions but still too ambiguous in some regards for certainty. Raised cholesterol, for example, I chose to take Statins; this could exclude cover in the event of a heart condition related claim.
I won’t take a chance on medical cover, so now, rely on a Nationwide packaged policy with an excellent list of conditions that can be defined and if need be covered for a small fee.
The Amex Plat list of inclusions is quite long but some are very nominal concessions. They don’t cover high blood pressure (which affects about a quarter of the population) just one of many notable uncovered pre-existing conditions, and since so many medical emergencies could be linked to it if you claim renders the policy of little use to many people. HSBC Premier allows this condition.
I had this conversation with AMEX medical insurance team yesterday. I specifically mentioned high cholesterol with low dose statins working to reduce the cholesterol levels. The insurance team (after referring up the chain) said they would cover any initial assessment and then determine if the cause of the e.g. ‘heart attack’ was the cholesterol or some other cause, before determining if cover would apply for further treatment. There is no way to pay a supplement to cover such unlisted pre-existing conditions. Frankly this is very poor as so many providers now offer an online extension for declaring pre-existing conditions and pricing an extra fee to cover them. Can we have a campaign to encourage AMEX to implement such a program?
If you are on statins then cholesterol should be normal. Can’t see them not paying for any surgery on those grounds.
Huge percentage of people are on statins when they hit 40I think it’s quite unusual for travel insurance to refund lost points/miles, have you found a policy that does explicity cover this?
No, I haven’t found such a policy but nor was I looking for one. I was not claiming for lost points. The stay went ahead. I think you may have missed the bit where I said I was claiming under section “1.4 Personal Belongings, Money and Travel”. More specifically, it was for damaged personal belongings.
I think it’s quite unusual for travel insurance to refund lost points/miles, have you found a policy that does explicity cover this?
No, I haven’t found such a policy but nor was I looking for one. I was not claiming for lost points. The stay went ahead. I think you may have missed the bit where I said I was claiming under section “1.4 Personal Belongings, Money and Travel”. More specifically, it was for damaged personal belongings.
I clearly did yes. I note the section says transport and/or accommodation must have been paid for using the card, so this basically excludes overnight trips in the UK when you plan to drive and pay for the hotel on points. A little harsh given that you could demonstrate the trip took place.
If you are on statins then cholesterol should be normal. Can’t see them not paying for any surgery on those grounds.
Huge percentage of people are on statins when they hit 40That’s unfortunately not how this, or other policies work. An ongoing condition controlled by medication does not stop it being a pre-existing condition – see definition below and in particular de cholesterol. A huge percentage of people are indeed not covered because of Amex’s very exclusionary terms and exceptionally wide definition of “pre-existing” even just a consultation. It’s very poor – you need another policy!
“Pre-existing Medical Condition(s)” means any past or current Medical Condition (other than those on
the Accepted Conditions list which is available by visiting americanexpress.com/uk/insuranceportal) which, during the 2 years prior to You booking a Trip, has given rise to symptoms or for which any form of treatment or prescribed medication, medical consultation, investigation or follow-up/check-up has been required or received; and any cardiovascular or circulatory condition (e.g. heart condition, hypertension, blood clots, raised cholesterol, stroke, aneurysm) that has occurred at any time prior to You booking a Trip.”I think there are few threads on the car insurance – but will put here: New Europ Assistance seem very picky on what you send them for a car hire excess claim.
Previously I have had year long specific excess insurance where I made a few claims and it was basically send a receipt.
Taken about 3 weeks for a simple no other vehicles involved EUR 1000 claim. Lots of to and fro about documents being readable – sent scans of emails which is best you can do on their platform – only when I offered to forward an email did they decide to accept the original scan.
There was then a lot of fuss about what constituted a damage report – a line by line invoice receipt detailing the damage was not enough, and they don’t accept photos. In the end the car hire company provided lots of extra stuff which they accepted.
Summary – got the money in the end in full, but it has been quite a fuss, and I would certainly be nervous about putting a full £50k car against this insurance
Coverage if the provider does not accept Amex – IIRC it used to be that if the cover type required that an Amex card was used there was an exemption if the provider did not accept Amex. Does anyone have experience of whether this is still the case? Many thanks
Dear all, first time trying to pre-book a can rental in Norway (Enterprise to be exact) to make the most out of £75 credit offer with £300 spend.
Anyway, with Amex Platinum card, I understand car insurance is part of the card benefits. I tried to read through this thread and also did a bit of homework via Amex website (https://www.americanexpress.com/content/dam/amex/en-gb/benefits/UK-Platinum-insurance-documentation-May-2023.pdf)
I see that:
1.5 CAR RENTAL BENEFITS– THEFT, DAMAGE AND LIABILITY
YOUR BENEFITS
The Car Rental Benefits under this Section provide cover in place of the additional or optional insurances
offered by Your car rental companies such as:
• Collision Damage Waiver (often referred to as CDW)
• Loss Damage Waiver (LDW)
• Removal/reduction of excess (Super CDW/LDW)
• Theft Protection (TP)
• Top Up/ Supplemental Liability (SLI)
• Personal Accident (PA) (See Personal Accident benefit, Section 1.7)Can anyone confirm that — I do not have to include the Zero Excess offers by Entreprise which comes at £25 a day extra and if anything happen to car, I can claim back via Amex. Any guidance / advice are much appreciated.
Also my understanding from this thread is that Amex Car Rental Insurance Covers Excess
https://www.headforpoints.com/forums/topic/uk-amex-platinum-car-rental-insurance/
Coverage if the provider does not accept Amex – IIRC it used to be that if the cover type required that an Amex card was used there was an exemption if the provider did not accept Amex. Does anyone have experience of whether this is still the case? Many thanks
@Copperfield27 I have recent experience of this. I was due to go on a group ski trip in March but fell ill and was unable to travel. The bulk of the trip (transfers, 7 nights half-board accommodation, lift passes) were booked via a UK-based tour operator, a small business that doesn’t accept Amex payment, so I paid on Barclaycard. The only trip cost I paid on Amex were BA reward flights paid on a combo of Avios and Amex BAPP (so not Plat).I submitted a claim to Europ Assist for everything, c£1,400, and they paid out in full. However, it was a bit of a painful process that took just over six weeks and a few chases on my part. I submitted every document I thought they might ask for upfront, including a letter the tour operator provided upon request confirming that payment was made by Barclaycard and that they did not accept Amex.
I’m unsure as to whether Europ Assist would specifically have requested this if I hadn’t proactively provided it, but I thought it might speed up the process to send it with the rest of my documents (medical certificates etc). It is obviously easier and quicker to acquire this from a smaller company that responds quickly to customer service requests, so I was fortunate in that respect. I never made any claims when the provider was still AXA, so can’t compare the two experiences.
what if there is no option to cancel the car hirers excess policy – can you still make a claim on europ assist?
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