Amex Platinum Insurance Eligibility

[byt411]

Hi!

In order to be eligible for the Travel Insurance/Baggage Delay Insurance/etc. on the Platinum Card, do the purchases have to be completed using the Platinum Card, or would any Amex card be sufficient?

Also, does anyone know if Amex delivers new cards abroad?

Thanks!

[JDB]

@byt411 rather than me or anyone else attempting to paraphrase the terms of the policy, it’s best to read the policy – see the section headed ‘Eligibility’ and ‘Definitions’ underneath.

Amex will definitely deliver replacement cards abroad, but I don’t think they will deliver new ones as sending them to your address is part of their security protocol before activating a card.

[byt411]

@JDB Thanks – I did so, and my interpretation is that any Amex card is sufficient as it states that:

“Card” means any Card or other Account access device issued to a Cardmember (or a Supplementary Cardmember) for the purpose of accessing the Account.

“Account” or “Card Account” means Your consumer and small business cards issued by American Express
in the UK, excluding corporate cards and any American Express cards issued by bank partners.

and

“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.

Just wanted to check with others to see if anyone has experience about this

[Froggee]

The experience is that any Amex card works but @JDB has argued on a number of occasions that this is far from guaranteed by the wording in the policy documents.

People have phoned Amex as well as the actual underwriter and been told varying things.

People (including Rob I believe) have reported successfully claiming on this policy when “any Amex” was used as opposed to the platinum.

I’m comfortable with using any Amex. @JDB is not.

We are both but random people on the internet.

[PIL]

I confirmed previously with AXA that is any amex card before claiming.

[JDB]

@Froggee I don’t understand why Amex doesn’t just word the policy in a manner that everyone can understand – the way they use the words ‘card’ and ‘account’ is quite unclear even if you read the definitions; there simply shouldn’t be all the questions asked and you and I shouldn’t disagree. They could just say Plat card or a personal Amex. They have still not corrected the IPID that shows the sum of £50k for liability in the car section vs £500k in the policy.

The whole policy is quite odd as Platinum is supposed to be Amex’s premium public offering yet the coverage levels, medical exclusions, general exclusions and whether you pay with the card roulette make the product significantly inferior to packaged policies offered by Barclays, HSBC, Nationwide etc. all of which come with bank accounts so you can pay for any section with any card and still be covered. The policy was particularly shown up in covid as it didn’t cover those ‘non essential travel’ countries.

Their claims handling also seems quite random. Some report getting claims paid as a gesture of goodwill and also for things technically not covered as paid with another card, yet someone this week reported their refusal to pay a claim for their no show charge at a hotel they couldn’t get to following a flight cancellation which the policy wording appears expressly to cover.