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Amex Platinum insurance – MASTER THREAD

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  • JDB

    Re the travel delay benefits, I just got the platinum this week, but had already bought December 2022 flight tickets earlier in the year with my BA Amex

    The rules refer to a “card account”, – would I still be covered if necessary?

    Also, with all the recent insurance changes, is it now possible to add extra cover for pre existing conditions or is an entirely separate policy (with another company) still needed? I saw a link during the sign up process about this, which I’m trying to locate.

    In respect of the BA Amex insurance, those benefits cease if you cancel the card; you need to hold it at the time of the claim. I don’t believe the inability to ‘buy out’ pre-existing conditions on the Plat policy has changed.

    Carlos

    Re the travel delay benefits, I just got the platinum this week, but had already bought December 2022 flight tickets earlier in the year with my BA Amex

    The rules refer to a “card account”, – would I still be covered if necessary?

    Also, with all the recent insurance changes, is it now possible to add extra cover for pre existing conditions or is an entirely separate policy (with another company) still needed? I saw a link during the sign up process about this, which I’m trying to locate.

    When I called Amex CS the answer to your first question was yes.

    marshy11

    Sorry, on my phone on a beach (in Mauritius!) so can’t get all this to load. Do we have to pay by Amex Plat to get the insurance cover for the car hire? Hiring locally so not Hertz/Avis type of rental. Thanks.

    Bill

    I logged in to the insurance portal yesterday afternoon and again just now and my current claim and past claims aren’t listed.

    Comrade Chag

    Any experience with a loss claim when an item is left on a plane? Does AMEX Insurance pay for a claim?

    JDB

    Any experience with a loss claim when an item is left on a plane? Does AMEX Insurance pay for a claim?

    It’s limited to £500 per item and subject to a £50 excess. You will obviously be expected to report the loss to the airline and attempt to locate the item via their lost property procedures before claiming. Amex/Axa act as the ‘last resort’ insurer so they will check the item isn’t covered for instance on your home insurance. You may be required to offer some evidence (per the exclusions of that section) that you took sufficient care to avoid the loss.

    Comrade Chag

    Any experience with a loss claim when an item is left on a plane? Does AMEX Insurance pay for a claim?

    It’s limited to £500 per item and subject to a £50 excess. You will obviously be expected to report the loss to the airline and attempt to locate the item via their lost property procedures before claiming. Amex/Axa act as the ‘last resort’ insurer so they will check the item isn’t covered for instance on your home insurance. You may be required to offer some evidence (per the exclusions of that section) that you took sufficient care to avoid the loss.

    JDB, as always, thank you for your time – really appreciate it.

    I had a look to the policy document earlier. The airline (SAS in this instance) doesn’t operate a lost property office and directs you to the lost and found at the airport (Oslo). I went straight to the Lost and Found desk (missingx) and was told that if found it will be handed at some point and to register the loss claim online which I did. Just trying to plan ahead at this point. Any advice would be welcome.

    JDB

    @Comrade Chag as long as you have reported as you say (and have some sort of confirmation) that should suffice, but you may need to wait 2-3 weeks and then get confirmation from the lost property office that it hasn’t been handed in; sometimes these things sit on someone’s desk before they take them to the right place.

    Comrade Chag

    I have started a claim just in case but won’t submit till later next week. Thanks again.

    squawk7700

    Hiring a car in Costa Rica next month, paid with Amex Plat and declined the CDW. Apparently this particular branch of Europcar are quite insistent on paying for their CDW, or otherwise ask for proof of CDW with one of their “recognised” insurers.

    Any idea how I might get something resembling a certificate of CDW from Amex Plat?

    JDB

    Hiring a car in Costa Rica next month, paid with Amex Plat and declined the CDW. Apparently this particular branch of Europcar are quite insistent on paying for their CDW, or otherwise ask for proof of CDW with one of their “recognised” insurers.

    Any idea how I might get something resembling a certificate of CDW from Amex Plat?

    I’m not sure if Amex will give you anything beyond a (general) certificate of insurance and a copy of the policy. What you are encountering is unfortunately fairly standard operating procedure in Mexico, Central America and some South American countries. Many locations are sub-franchisees of the country franchisee and get paid almost entirely on the extras they sell and in my long experience of this, some simply will not give the car to you without paying. I have seen so many people trying and failing despite going berserk, calling the car hire company in their home country etc. It will just be the luck of the draw when you get to the counter, irrespective of what was agreed up front.

    JDB

    @squawk7700 I should have added that usually the SLI/ALI is usually a bigger issue than CDW. Many people book car hire using US/Australia/Bermuda sites which makes the rate cheaper as it excludes this and most US residents have it included in their regular car insurance so don’t need it. However, that cover often isn’t accepted by other countries and it matters because there are statutory minima and in the unfortunate event of an accident you really need an insurer to pick up the tab there and then and fight your corner rather than pay a big sum and hope to recover it from Amex later.

    squawk7700

    @squawk7700 I should have added that usually the SLI/ALI is usually a bigger issue than CDW. Many people book car hire using US/Australia/Bermuda sites which makes the rate cheaper as it excludes this and most US residents have it included in their regular car insurance so don’t need it. However, that cover often isn’t accepted by other countries and it matters because there are statutory minima and in the unfortunate event of an accident you really need an insurer to pick up the tab there and then and fight your corner rather than pay a big sum and hope to recover it from Amex later.

    Thanks JDB. Any tips on how to mitigate this in advance? Really don’t want to be paying more for the car than I’ve already paid! I booked via the UK site so I think it probably included CDW but no additional insurance.

    JDB

    @squawk7700 if you are collecting the car from an airport, the only thing I have found is that adding whatever they insist you add with the central office in the country rather than at the airport saves a lot as it saves all the extra airport charges. In Mexico with Hertz, it’s 35% cheaper to do this as once they add whatever extra they insist upon, it reprices everything with airport charges/fees/taxes as part of the scam.

    squawk7700

    @squawk7700 if you are collecting the car from an airport, the only thing I have found is that adding whatever they insist you add with the central office in the country rather than at the airport saves a lot as it saves all the extra airport charges. In Mexico with Hertz, it’s 35% cheaper to do this as once they add whatever extra they insist upon, it reprices everything with airport charges/fees/taxes as part of the scam.

    Thanks again, you are a fountain of knowledge!

    I guess if I go back to re-book the car (normally using the US version of Europcar/Hertz website) but then add the CDW and PAI to the quote, and pay upfront online, that should work….? Annoying having to do this when Amex should cover everything, but seems I Have no choice….

    Rate to add CDW and PAI online is $275USD for a week. I imagine I could get stung for much more adding it at the branch!

    JDB

    @squawk7700 I don’t think you will be required to take the PAI that you mention. It’s the Additional/Supplementary Liability Insurance they will likely try to sting you for. If you arrange the basic covers up front that should, as you say, obviate the problem. It’s unusual if your original booking had no CDW, even with a big excess.

    Jonno34

    I had a trip planned for tomorrow, multiple cities, multiple flights accomodation etc. I had some sort of muscle spasm which has left me incapacitated. I hope to be able to make the journey to the docs in a couple of days. There is no way I could make the trip. I have rescheduled for the new year and at the moment managed to change most of the accomodation at no additional cost. I had to pay a quite a large fee to change the flights and am looking at a claim for this. Does a back “injury” then become a pre existing medical condition or, should I recover from it is it then classified as “cured” TIA

    elguiri

    So had a travel medical insurance claim that would have been covered by the AXA amex plat insurance, however I had another travel insurance also at that time so was told to claim through them (also AXA underneath) and anything not covered will be picked up on the amex plat side of claim.

    This has finally been settled via the other provider, albeit with the £50 excess fee knocked off.

    Should I expect the amex plat insurance to pay out to me the £50 fee as it was a cost incurred due to the medical emergency that I was claiming for, or is this generally accepted as being a providers non-return of amount paid for cover, so not actually an expense incurred?

    V1nce

    Have trawled through this thread and picked up lots of useful knowledge but I’m still unclear & need to urgently make a decision as our annual travel insurance policy auto-renews in 2 days and there is a decent discount for the auto-renewal.
    But having just taking out an Amex Platinum Business it would be great to save the insurance cost but I’m still trying to work out:

    a) Are trips covered if some elements are booked on non-Amex cards? I would always use an Amex card (BA or Platinum) if paying in sterling for flights, hotels, etc but not if having to pay in local currency.

    B) Are trips booked but not taken prior to taking out the Amex Plat card covered? In case of cancellation, or for medical emergency whilst travelling?

    My instinct is that I should just let my existing policy renew as it is far from clear what Amex insurances covers. Would rather not though because of the travel insurance was good enough it would encourage me to keep the Platinum card longer term.

    Any advice appreciated please?

    Gavin454

    Does anyone know if a positive Covid antigen test (officially performed, of course) is acceptable proof for the travel insurance offered by the Platinum?

    Or must a PCR be performed?

    Just wanted to update that a rapid antigen test was indeed accepted for the claim.

    Thanks!

    Just to follow up on this – does anyone know if a self-administered rapid COVID test (with certificate) would be acceptable proof? I have one from Prenetics (Project Screen) left over from when they were often required for travel about a year ago.

    Chas

    Is the consensus that you are covered for hotel bookings made on Points, and that the value you attribute to them on any claim is what it would cost to buy them directly from the scheme? I’ve had a quick search of this thread, and found one post saying that a poster had success with this c4 years ago, but looking for further data points….

    I’ve a 3 night stay at the Marriott Berlin from Thursday which cost 115k points and EUR270. The room is only cancellable until tonight, but my daughter (who is coming with us) still has Covid. We’re hoping that in another 24-48 hours she will be fine to travel, but if she’s not then we will need to cancel the trip. Flights paid for on my BA Amex, my Marriott card used as security for the stay (no charge has been made yet), and I have the Plat card so that is my insurance for my trip.

    But I’m not sure from a practical perspective whether the Plat insurance will attribute a cost to the points used for the hotel booking (and if so at what value) or regard them as having no value. I’m trying to determine whether to cancel today, or take the risk that I will need to cancel on Thursday. Thoughts appreciated please.

    Fabman_UK

    Here is a tricky one!

    I broke my foot (heel and metatarsal) in Jordan, during a trip with flights were paid with my amex platinum. (Car rental and a couple of nights too).

    2 days at the hospital with x-ray and scan, for JOD 505, I believe this will be covered.

    Now back to the UK, I need a surgery. Going to NHS would take ages as it’s a non-priority surgery. If I go private, would amex/axa cover the cost?
    One of the limitations is “Medical treatment in the country of residence”, but as the accident happened abroad during a trip, i am wondering if this limitation would still apply.

    I will call amex/axa soon, but i first wanted to have your opinion…

    Thanks!

    JDB

    Here is a tricky one!

    I broke my foot (heel and metatarsal) in Jordan, during a trip with flights were paid with my amex platinum. (Car rental and a couple of nights too).

    2 days at the hospital with x-ray and scan, for JOD 505, I believe this will be covered.

    Now back to the UK, I need a surgery. Going to NHS would take ages as it’s a non-priority surgery. If I go private, would amex/axa cover the cost?
    One of the limitations is “Medical treatment in the country of residence”, but as the accident happened abroad during a trip, i am wondering if this limitation would still apply.

    I will call amex/axa soon, but i first wanted to have your opinion…

    Thanks!

    It’s unfortunately not a tricky one. You will not be covered for treatment in the UK.

    degsy

    Apologies if something similar has been covered previously but thought I would share my recent positive experience.

    Came back from a golf weekend in Vilamoura a couple of weeks ago – when I unpacked my golf bag a week later noticed the shaft on my driver had snapped in two.
    Raised a claim on Amex insurance through Axa, but at the time I didn’t have any of the info required eg proof of purchase, used travel tickets/baggage tags, etc. The only thing I could provide was a photo of the snapped shaft. They also told me I should have reported it to the carrier (Jet2) when I landed (although given I didn’t spot the damage until a week later this was never going to be possible).

    Anyway a week later, with no further evidence provided (which wasn’t for lack of trying to get hold of it), I received a further letter from Axa saying they were settling the claim, less £50 excess. Two days later £169 in my bank account!

    LukeLukeLukeLuke

    Here is a tricky one!

    I broke my foot (heel and metatarsal) in Jordan, during a trip with flights were paid with my amex platinum. (Car rental and a couple of nights too).

    2 days at the hospital with x-ray and scan, for JOD 505, I believe this will be covered.

    Now back to the UK, I need a surgery. Going to NHS would take ages as it’s a non-priority surgery. If I go private, would amex/axa cover the cost?
    One of the limitations is “Medical treatment in the country of residence”, but as the accident happened abroad during a trip, i am wondering if this limitation would still apply.

    I will call amex/axa soon, but i first wanted to have your opinion…

    Thanks!

    Sorry to hear your bad news – hope your foot gets better soon. I wonder if the solution to this (with the current state of the NHS) would be to get the operation/treatment done right away in the country of issue? Would Amex cover that, I wonder?

    Of course, it would depend how long the trip is though. If it was a 3-week trip for example, it might be an option versus months of waiting on the NHS and/or private costs when getting back to the UK. Not so good on a trip of just a few days though.

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