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Amex Platinum insurance – MASTER THREAD

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  • Angelamc11

    Hoping someone can advise. Im in Bucharest and our drinks were spiked,then we were kidnapped in a taxi and got robbed of our phones.thankfully they were the only thing of value we had on us.

    I have minor injuries, broken nose etc. I didnt seek medical attention as too shook up and feeling ill.

    I have a pokice report. Can anyone advise on insurance, I have bapp and plat insurance.

    Tia

    StanTheMan

    Hoping someone can advise. Im in Bucharest and our drinks were spiked,then we were kidnapped in a taxi and got robbed of our phones.thankfully they were the only thing of value we had on us.

    I have minor injuries, broken nose etc. I didnt seek medical attention as too shook up and feeling ill.

    I have a pokice report. Can anyone advise on insurance, I have bapp and plat insurance.

    Tia

    There’s something happening here. But what it is, aint exactly clear.

    Angelamc11

    Hoping someone can advise. Im in Bucharest and our drinks were spiked,then we were kidnapped in a taxi and got robbed of our phones.thankfully they were the only thing of value we had on us.

    I have minor injuries, broken nose etc. I didnt seek medical attention as too shook up and feeling ill.

    I have a pokice report. Can anyone advise on insurance, I have bapp and plat insurance.

    Tia

    There’s something happening here. But what it is, aint exactly clear.

    I dont know what you mean. Im asking advice regards travel insurance for stolen phones,and being kidnapped & mugged.

    Guernsey Globetrotter

    Hoping someone can advise. Im in Bucharest and our drinks were spiked,then we were kidnapped in a taxi and got robbed of our phones.thankfully they were the only thing of value we had on us.

    I have minor injuries, broken nose etc. I didnt seek medical attention as too shook up and feeling ill.

    I have a pokice report. Can anyone advise on insurance, I have bapp and plat insurance.

    Tia

    There’s something happening here. But what it is, aint exactly clear.

    I dont know what you mean. Im asking advice regards travel insurance for stolen phones,and being kidnapped & mugged.

    They’re quoting a song lyric : https://tinyurl.com/25h7vbz9

    Sorry to hear your experience, which sounds traumatic. The Plat insurance cover is a lot more extensive than the BAPP: Here’s a link to the UK policy, which may be helpful: https://tinyurl.com/mtfsercm

    KEY INFORMATION – HOW TO CLAIM
    In order to report a non-emergency claim, please visit americanexpress.com/uk/insuranceportal or call 0800 917 8054 or in a medical emergency call +44 (0) 20 3126 4109.
    Please be ready to provide your Card number, which should be used as your reference number.

    Angelamc11

    Hoping someone can advise. Im in Bucharest and our drinks were spiked,then we were kidnapped in a taxi and got robbed of our phones.thankfully they were the only thing of value we had on us.

    I have minor injuries, broken nose etc. I didnt seek medical attention as too shook up and feeling ill.

    I have a pokice report. Can anyone advise on insurance, I have bapp and plat insurance.

    Tia

    There’s something happening here. But what it is, aint exactly clear.

    I dont know what you mean. Im asking advice regards travel insurance for stolen phones,and being kidnapped & mugged.

    They’re quoting a song lyric : https://tinyurl.com/25h7vbz9

    Sorry to hear your experience, which sounds traumatic. The Plat insurance cover is a lot more extensive than the BAPP: Here’s a link to the UK policy, which may be helpful: https://tinyurl.com/mtfsercm

    KEY INFORMATION – HOW TO CLAIM
    In order to report a non-emergency claim, please visit americanexpress.com/uk/insuranceportal or call 0800 917 8054 or in a medical emergency call +44 (0) 20 3126 4109.
    Please be ready to provide your Card number, which should be used as your reference number.

    Thank you. That’s helpful. 😊

    Carlos

    Has anyone claimed over the phone/post?

    zio

    Has anyone claimed over the phone/post?

    My only claim using the Plat insurance was settled incredibly easily over one phone call. No documents needed at all. It was car hire related and all the extra costs were charged to the card so it was obvious what I was claiming.
    All in all I was extremely impressed.

    OccasionallyFlyingBob

    Has anyone claimed over the phone/post?

    Yes. I recently claimed over the phone for a very short notice flight cancellation (hey covid) where tickets were purchased on a BAPP card.

    Tried the live-chat first. They said (kind of without pausing) to raise a dispute with the ticket purchase on the BAPP card (??). I said no and that I was enquiring about insurance via the platinum card…to which they then said words to the effect of not wanting to get involved in insurance matters. Interesting. I then phoned the concierge, got put to through to AXA and, short-story-even-shorter, got refunded days later (maybe minus a £50 excess). It was very easy.

    Overall a very pleasant result and all due to having a platinum card, unlike what I’ve just read in that concierge-vs-restaurants thread.

    Bob

    nycvisa

    Hi – i am looking for the car hire insurance benefit at the Amex Platinum card and i can no longer find it. Can someone confirm that it still exists, and possibly show me a link?

    Many thanks

    FFoxSake

    Hi – i am looking for the car hire insurance benefit at the Amex Platinum card and i can no longer find it. Can someone confirm that it still exists, and possibly show me a link?

    Many thanks

    Answered in the other thread where you asked exactly the same question…
    https://www.headforpoints.com/forums/topic/uk-amex-platinum-car-rental-insurance/#post-445513

    nycvisa

    Thanks a lot thats very helpful! With respect to the rental hire, does the insurance apply even if i paid for the car with another card? I didnt see it anywhere in the T&C that it must be paid with the platinum card, hence assumed it doesn’t have to be

    Carlos

    P2 wants to cancel for 6 months and then sign up to Platinum again.. (not being utilised on flights or targets)
    would they be covered if purchasing a flight now, for a trip 7 months down the line…

    i.e will there be platinum travel insurance on a flight when purchased 7 months ago on ‘an amex’

    JDB

    P2 wants to cancel for 6 months and then sign up to Platinum again.. (not being utilised on flights or targets)
    would they be covered if purchasing a flight now, for a trip 7 months down the line…

    i.e will there be platinum travel insurance on a flight when purchased 7 months ago on ‘an amex’

    The card needs to be active at the time of the claim.

    Carlos

    Thats the grey bit P2 is unclear about.. I have often heard as long as you paid for the flight with ‘an amex’ (i.e any amex) you are covered
    So by re-registering a month before travel, should meet the criteria or have I missed something?

    JDB

    Thats the grey bit P2 is unclear about.. I have often heard as long as you paid for the flight with ‘an amex’ (i.e any amex) you are covered
    So by re-registering a month before travel, should meet the criteria or have I missed something?

    Your policy is cancelled when you cancel your card. If you were burgled after you cancelled your home insurance policy, a theft claim also wouldn’t be considered.

    If you subsequently reapply for a card and get a new policy it will then cover you for all the ‘during’ travel sections, but I’m not sure about the pre-travel ones. In the current environment, I would be a little wary of assuming you would automatically be granted a new card so soon after closing one.

    Tony_D

    Do I need to pay the full amount of a trip using the Platinum card to receive the benefits. The Policy Terms and Conditions state:

    ELIGIBILITY
    The benefits described in these Policy Terms and Conditions are dependent upon a Card being issued, the Card account being valid and the account balance having been paid in accordance with the Cardmember agreement at the time of any incident giving rise to a claim.
    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;

    The Terms and Conditions indicate that benefits will be available if you use the card, so if I pay for the deposit using the Platinum card and the balance with another card (BA AMEX card) I assume that I will receive the above benefits as I have used the Platinum card?

    JDB

    Do I need to pay the full amount of a trip using the Platinum card to receive the benefits. The Policy Terms and Conditions state:

    ELIGIBILITY
    The benefits described in these Policy Terms and Conditions are dependent upon a Card being issued, the Card account being valid and the account balance having been paid in accordance with the Cardmember agreement at the time of any incident giving rise to a claim.
    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;

    The Terms and Conditions indicate that benefits will be available if you use the card, so if I pay for the deposit using the Platinum card and the balance with another card (BA AMEX card) I assume that I will receive the above benefits as I have used the Platinum card?

    The above is qualified by 1.2(6) but that helpfully references ‘card account’ a defined term that appears to include any Amex card, but best to check with Amex to be sure.

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