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Forums Payment cards American Express Traveling for 5 months – which Amex?

  • a.totaro 6 posts

    Hi all,

    I’m leaving my job to go traveling in Asia for about 5 months, which as you can imagine will include a LOT of airports.

    I currently have:
    Barclays Avios Plus – which gave me the voucher + sign up bonuses to make most of my long haul flight avios flights
    BAPP – which I’ve just triggered the 241 voucher for.

    I was looking at Platinum mostly for the travel insurance as well as lounge access but I’m not sure if it’s worth the fee or if insurance is covered for more than 90 days (how is this decided? Can I input a date in which I’m traveling of my choosing?)

    The Gold Card I wouldn’t be eligible for the sign up bonus, but as I’m looking to downgrade the Barclays one I am still tempted to apply for that access as I’d like to apply before my employment ends to hopefully qualify.

    I’ve booked most flights and most of my local spending will be hotels and accomodation as I’ll be using my Chase and Revolut for all my spending abroad.

    Any tips as to either of these are worth it or if I should just stick to my BAPP and just get the last few avios I can?

    Been doing a ton of research and would love your thoughts!

    JDB 4,184 posts

    The Amex Platinum insurance is for a maximum of 90 consecutive days (except for gap years). Those days start when you leave the UK and if your trip is for more than 90 days the policy doesn’t cover you for any part of that trip (ie even first 90 days aren’t covered). You need a specialist policy for this type of extended trip.

    a.totaro 6 posts

    The Amex Platinum insurance is for a maximum of 90 consecutive days (except for gap years). Those days start when you leave the UK and if your trip is for more than 90 days the policy doesn’t cover you for any part of that trip (ie even first 90 days aren’t covered). You need a specialist policy for this type of extended trip.

    I figured that’d be the case. Thank you!

    SamG 1,639 posts

    I can’t remember the figures but I found the nationwide flex plus account and then upgrading the insurance to cover a longer trip very good value for long trip insurance. They also specifically cover flights paid with miles

    BJ 648 posts

    I can’t remember the figures but I found the nationwide flex plus account and then upgrading the insurance to cover a longer trip very good value for long trip insurance. They also specifically cover flights paid with miles

    IIRC at one time the FlexPlus devit card allso came withe fee-free cash and/or puchases overseas but I’m nit dure if that remains the case?

    Certainly given the OP already has most travels booked a good fee-free debit and credut card and a decent travel insurance policy would fit the bill better than Platinum or other amex card.

    Rich_A 85 posts

    If you will make use of the hotel and car rental status, lounge access and dining benefit etc, you might still get on well with the Plat – even without benefiting from the insurance. Especially if you are getting a sign-up bonus.

    You would still be insured for any future trips you make after you’ve returned from this one.

    Not sure if the car rental insurance and travel inconvenience also require your trip to be <90 days?

    SamG 1,639 posts

    I can’t remember the figures but I found the nationwide flex plus account and then upgrading the insurance to cover a longer trip very good value for long trip insurance. They also specifically cover flights paid with miles

    IIRC at one time the FlexPlus devit card allso came withe fee-free cash and/or puchases overseas but I’m nit dure if that remains the case?

    Certainly given the OP already has most travels booked a good fee-free debit and credut card and a decent travel insurance policy would fit the bill better than Platinum or other amex card.

    Yes that is right, fee free debit card

    Also includes AA and decent phone insurance, a very underrated product !

    TJones 39 posts

    The Amex Platinum insurance is for a maximum of 90 consecutive days (except for gap years). Those days start when you leave the UK and if your trip is for more than 90 days the policy doesn’t cover you for any part of that trip (ie even first 90 days aren’t covered). You need a specialist policy for this type of extended trip.

    The insurance covers trips of 90 consecutive days, and 240 days in a year (not sure if that is a calendar year, a rolling year or what). So in theory you could take a quick flight back home in the middle of your trip to turn it into two sub-90-day trips instead of a single 5-month one and the insurance should cover you.

    Sam 96 posts

    If you’re eligible for HSBC Prem, their cc provides lounge access and travel insurance extensions are in the link below

    Travel insurance extension

    memesweeper 1,185 posts

    It’s probably a bit late to think about HSBC prem, but like Nationwide is extendable.

    I’ve found Curve to be useful for foreign ATM transactions, also Chase. Both are more rewarding than Nationwide.

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