Anyone have experience with Amex travel insurance after downgraded card?

[kokoikaka]

Not sure if this is a right place to ask, but appreciated if anyone can share their experience.
Currently holding Qantas Ultimate Card and thinking of switch to Amex Explorer to earn MR points.
However I had trip in the future that I paid the outbound flight ticket with Qantas Ultimate Card.
Wondering if I downgraded to Amex Explorer and hold it at the time of the trip. Am I eligible to the travel insurance offered by Amex Explorer?

 

[TheRealTMA]

Not sure if this is a right place to ask, but appreciated if anyone can share their experience.
Currently holding Qantas Ultimate Card and thinking of switch to Amex Explorer to earn MR points.
However I had trip in the future that I paid the outbound flight ticket with Qantas Ultimate Card.
Wondering if I downgraded to Amex Explorer and hold it at the time of the trip. Am I eligible to the travel insurance offered by Amex Explorer?

I would think no. The insurance would apply to the card you used for the payment.

 

[sudoer]

Wondering if I downgraded to Amex Explorer and hold it at the time of the trip.

QF Ultimate to Explorer is not a downgrade, it is a product family change.

I agree with @TheRealTMA that you probably wouldn't be covered, but you'd be best off reading the policy and seeing what it says...

 

[kokoikaka]

thanks both for the advice.
I had a look at the amex explorer travel insurance policy and found this example for changing card
it said different AMEX card products but didn’t said a change of product family would be covered.

 

[sudoer]

That reads to me that you would be covered then.

 

[TheRealTMA]

thanks both for the advice.
I had a look at the amex explorer travel insurance policy and found this example for changing cardView attachment 445322
it said different AMEX card products but didn’t said a change of product family would be covered.

Don’t believe it. Not clear. First sentence says no. Call Amex to define conditions and benefits.