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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?
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