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Forums Payment cards American Express Amex Platinum insurance – MASTER THREAD

  • shilly 115 posts

    My husband and I were both accepted for the Thai pass when we entered the certificate from Amex Axa insurance, very easy to do so you should be ok.

    BuildBackBetter 705 posts

    Does the insurance cover children who are not eligible for a supplementary card? Can we add their details to the policy before requesting the certificate?

    strickers 723 posts

    Does the insurance cover children who are not eligible for a supplementary card? Can we add their details to the policy before requesting the certificate?

    Plat insurance covers children travelling with the cardholder, I’m sure if you call they will add the names to the certificate before they email it.

    Colin MacKinnon 297 posts

    Does Amex Plat Biz cover travel NOT paid with the Amex biz plat, or any other Amex, card?

    I know the standard Plat doesn’t cover flights etc paid for with other cards, but looking through the Biz card T&Cs it doesn’t seem to say flights and hotels must be paid with an Amex.

    krvpik 7 posts

    Hi
    one airline lost my bag…
    travel was bought with AMex Platinum card, but if it possible to use Amex BA premium card for insurance?
    its 600GBP vs 1750 GBP for emergency purchases and here in Maldives shop at resort is extremely costly….

    ChrisC 956 posts

    Don’t forget your Montreal convention rights which allows you to spend up to around £1400 on essentials such as toiletries and clothes so keep receipts. Your (unnamed) airline should have told you this.

    But be aware that this is a maximum fixed sum and should your bag actually be lost rather than delayed you can’t claim anymore.

    Your insurer may expect you to claim these costs from the airline first – check the policy.

    Cranzle 279 posts

    Hi
    one airline lost my bag…
    travel was bought with AMex Platinum card, but if it possible to use Amex BA premium card for insurance?
    its 600GBP vs 1750 GBP for emergency purchases and here in Maldives shop at resort is extremely costly….

    Although I can’t help with your question, thanks for highlighting the difference in cover between the two Amex cards. I wasn’t aware of this.

    Guernsey Globetrotter 622 posts

    The only exclusion i can see on the Bus Plat cover which refers to needing to have paid with your card is in respect of the Travel Inconvenience cover where you can claim “Up to £300 in costs should a delay or similar problem occur with transport whilst traveling to your destination. If your bags are delayed, you are covered up to £300 after 4 hours, with an additional £750 after 48 hours.” BUT exclusions are listed as “Purchases which are not made on the Card account”.

    So, if you lose your bags and need to buy another mankini for your beach holiday THAT is the time to break out the Amex Bus Plat card 🙂

    Otherwise, the insurance does NOT require you to have purchased your flights, hotel etc. on the Amex Bus Plat, which makes it a very flexible policy imho.

    Guernsey Globetrotter 622 posts

    One other benefit not always realised is that ALL supplementary card holders (but NOT their family members unfortunately) also get covered by this comprehensive insurance:
    “Worldwide Travel Insurance provides cover for the main Cardmember, their partner or spouse living at the same address and dependent
    children under the age of 25, plus supplementary Cardmembers, whether travelling together or travelling alone on business and leisure
    trips of up to 120 days.”
    Also, if you have kids going on a gap year then they are also covered:
    “Worldwide Travel Insurance benefits will also cover trips of up to 365 consecutive days for the Cardmember’s dependent children under
    the age of 25 travelling on a ‘gap year’.”

    Guernsey Globetrotter 622 posts

    @squawk7700 Here is the promised update re Laamu Six Senses and Ambassador benefits. Am now told that there are no upgrades available from our basic Lagoon Water Villa as the Ocean Water Villas are fully booked. The in app info was, as I suspected, a red-herring. This is inline with stated IHG benefit policy so fair enough. However, they can offer paid upgrades to a Sunset Water Villa for USD1,119 (£880) PER NIGHT! As I said, expect all additional extras to be eye-wateringly expensive…
    Think we will give that a miss. We get pretty good sunsets here on the West coast of Guernsey and the £6,160 this ‘upgrade’ would cost is more than my total out of pocket cost to-date for all flights (including the local transfers) and accommodation for our 7 nights 🙂
    Another example of the costs you should factor in are the 10% service charge and 12% tax on everything – so the USD120 pppn half board rate becomes USD146. In our case we will be happy with half board as we will breakfast sumptuously (and late knowing us!) and the free ice cream and sorbet bar (over 40 flavours) will help us survive til dinner time. That still means the F part of our F&B budget will be USD 2,050 (£1,500) for 7 nights. Probably will be double that by the time we hammer the cocktail bar!!
    Other Ambassador benefits that should apply include a welcome fruit platter and a free spa treatment for 2. Given how much everything costs I expect to recoup the membership cost of USD200 just on the massages (always a great idea after a long haul flight) which we would have had anyway.
    PCR permitting we arrive in Laamu on Sunday so I will update then! Will also put up a new Six Senses Laamu thread as this is a bit off-topic from the original insurance part of your question.

    travelwell 46 posts

    Laamu is a wonderful resort. If possible, I’d pay more for a seaplane transfer rather than the standard, if this is still an option. You can be waiting hours for the internal transfer and you still need to get a speed boat afterwords.

    Guernsey Globetrotter 622 posts

    Thanks for the tip @travelwell – I’ll look into the options available and report back. The scheduled local flight option looks like it may involve quite a wait (2 to 3.5 hours) so if the seaplane transfer option is more flexible and not extortionate we may give it a go!

    strickers 723 posts

    Interesting on the HB option, I hadn’t seen that anywhere? We are booked next Jan for 5 nights and I had budgeted £500 a night for 2 of us on F&B!

    kai 79 posts

    Note that in case of no-show, it’s possible that your points are refunded but your card gets charged instead.

    Rob
    HfP Staff
    2,301 posts

    This used to be the policy that personal Platinum had until 5 years or so ago, when Amex decided to do a bit of cost cutting. No idea why the business card survived.

    Guernsey Globetrotter 622 posts

    Note that in case of no-show, it’s possible that your points are refunded but your card gets charged instead.


    @Kai
    have you experienced this? It does not seem to be in accordance with the T&Cs for a reward redemption as I understand them. My booking simply states “Reward night bookings are non-refundable if cancelled within 14 days of arrival and/or for failure to show.” That is why this thread was started, to establish what insurance cover may be needed in such circumstances, but no-one else has said there could be additional charges…

    strickers 723 posts

    Note that in case of no-show, it’s possible that your points are refunded but your card gets charged instead.

    Not an issue if you secure with a cancelled credit card!

    Carlos 758 posts

    Reports say that you can use any card, amex or not, but has to be booked after the start of the platinum card issue date?

    aso40 61 posts

    This does get asked alot. It varies by the type of claim, with most not being restricted to trips paid using the platinum. Travel inconvenience is the main exception which only covers trips paid by the card.

    It is clearly documented in the insurance summary in the Amex Insurance Centre.

    Amex Platinum Insurance Terms and Conditions

    • This reply was modified 54 years, 6 months ago by .
    Pointsamateur 83 posts

    Thanks everyone. I have read the insurance details more carefully. Everything related to travel inconvenience / cancellation seems to refers to “the card account” and strongly suggests that if the travel is not paid for by the platinum card itself, the cover may not apply, exactly as aso40 said. Which would make sense logically. I’ll do the sensible thing and check with Amex via live chat as well. Luckily I have paid for all this year’s big trips with the Platinum card, even if that means missing out on additional avios if I had paid by the BA Premium plus card.

    The following benefits are dependent on use of the Card: • Cancelling, Postponing and Abandoning your Trip; • Cutting Short your Trip; • Travel Inconvenience; • Personal Belongings, Money and Travel Documents; • Purchase Protection; • Refund Protection;

    Reney 792 posts

    Thanks everyone. I have read the insurance details more carefully. Everything related to travel inconvenience / cancellation seems to refers to “the card account” and strongly suggests that if the travel is not paid for by the platinum card itself, the cover may not apply, exactly as aso40 said. Which would make sense logically. I’ll do the sensible thing and check with Amex via live chat as well. Luckily I have paid for all this year’s big trips with the Platinum card, even if that means missing out on additional avios if I had paid by the BA Premium plus card.

    The following benefits are dependent on use of the Card: • Cancelling, Postponing and Abandoning your Trip; • Cutting Short your Trip; • Travel Inconvenience; • Personal Belongings, Money and Travel Documents; • Purchase Protection; • Refund Protection;

    You need to call the AXA amex line not live chat. Also card account means card on your amex login. So if you have a Plat and a BAPP, it means you can use the BAPP. I believe car hire you can use any cards (amex or not).

    MCO 72 posts

    So in regards to this question. I have paid for the outbound flight via Platinum card but hotels and return are through points. Would medical insurance be covered?

    SteveJ 1,004 posts

    So in regards to this question. I have paid for the outbound flight via Platinum card but hotels and return are through points. Would medical insurance be covered?

    Medical is always covered, regardless.

    Rob
    HfP Staff
    2,301 posts

    References to ‘Card’ in the policy have a capital ‘C’ which means you need to read the definition of the word ‘Card’ – which says that ANY personal Amex card is good enough.

    The serious stuff is covered regardless.

    moe8555 41 posts

    Can I temporarily hijack the thread in an effort to make sense of the terms of the Platinum ICC insurance?

    They divide the terms into a Section A and a Section B, with Section A pertinent to people that took out the card in the UK or via the Amex ICC site, and Section B to non-UK cardholders.

    The main difference in terms is that the Section B people do not need to book the travel with the card to be covered.

    But what terms apply to someone who resides outside of the UK, but applied for the card via the Amex ICC site???

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