Amex Insurance – answers to what is/is covered based on card used

[Ash]

Spoke to Amex Insurnce team 0203 126 4004

Full coverage if you pay with a Platinum card.

If you don’t use the Platinum you only get car rental cover, and basic medical.

For example, if you do not use Platinum, horse riding, scuba diving,trekking, trip delay/cancellation costs, etc are not covered.

Pay with another Amex card and you still only get the basic car and medical coverage (unless that card has its own insurance cover, eg BAPP).

Hope that helps.

PS Platinum supplementary card holders travel insurance (same terms as above) must be in the same “household” as main card holder – same registered address with Amex.

[LondonDave]

I believe there is an important caveat here – you can use a different card and still have full cover, if the supplier doesn’t accept Amex.

From the UK Platinum Insurance T&Cs:

“Purchase” or “Purchased” means items paid for or pre-booked using Your Card or items paid for where Your selected provider would not accept Your Card.

I read this as – use Platinum Amex where ever possible, and if the supplier doesn’t accept Amex, use whatever and you’ll still be fully covered.

[aso40]

It sounds like you have been really misled here. It’s usually better to read the terms (or the summary in the insurance centre is pretty easy to follow) than trust a call centre operator.

There are lots of existing threads on this that explain it better, but the best way of thinking about it is that you are covered for issues related to pre-paid costs when you pay for it using your “card account” (which is a defined term, meaning ANY amex in your name). This includes things like missing pre-booked trips because of delays or cancellations. Note the further beneficial exception to this rule above when the operator does not take Amex.

You are covered by the other parts of the policy not driven by prepayment regardless of payment method – medical and car hire are indeed the main parts, but not the only ones.

[pandaflyer]

Yeah, pretty sure what they told you is wrong here. My reading is that you are covered for all medical (scuba etc) regardless.

It’s just stuff you pay for that you should pay for on any Amex. Unless they don’t accept Amex.

[Carlos]

I was told something similar for example
If you paid for a holiday using a gold pref card in Jan-22 and the flight is in July-22.. then got a platinum card (after the booking but before the holiday) i.e June-22 you are covered. Confirmed by the insurance team telephone agent.

Covered for things like delayed flight etc