Amex Platinum Travel Insurance

[kkutasi]

I have seen a few posts previously about the gaps in Amex's insurance cover, but can't seem to find the specific posts on this.

Can anyone please enlighten me? What can you get from another insurer (e.g. Columbus) that you can't get from the insurance included in the Platinum card?

i think there was something about terrorism not included. anything else? are there higher excesses, etc?

 

[kyle]

The last time I looked, the Amex insurance doesn't include car hire.

 

[Travel Guru]

I was able to access this info on the limitations of Amex Plat. Insurance....hope it helps

TG


• Entire air fare must be purchased on American Express Platinum Card or by use of equivalent Membership Rewards in order for cover to apply
• Maximum duration per journey is 180 days or a total of 183 days each year of card membership
• Luggage cover is limited to a total of $10,000 per year (not per trip), with a limit for Cameras or Video Cameras of $1,000. Furthermore, there are no extra luggage cover options available
• Cancellation benefit is limited to ill-health/death of cardholder, close relative (under 80 years of age) or travelling companion, redundancy or jury service, as opposed to any unforeseen circumstance outside customer’s control
• No Travel Services Provider Insolvency Benefit
• No Additional Expenses Benefit
• No Cash in Hospital Benefit
• No Special Events Benefit
• No Loss of Income, Disability or Accidental Death Benefits
• No Hijacking Benefit
• No cover available at all for Existing Medical Conditions
• No cover for Non-Traveller’s Existing Medical Conditions
• Excess of $100 applies to a Medical, Cancellation or Luggage claim and excess of $250 for a claim involving a laptop computer or mobile phone

 

[Mal]

There are two different types of Amex Plat cards (credit card vs charge card) and each has different insurance policies, limitations and requirements.

PDS for Platinum Credit Card: http://www.americanexpress.com/australia/pdfs/platcredit_insuranceflightbooklet.pdf
PDS for Platinum Charge Card: http://www.iplatinum.americanexpress.com/platinum/australia/downloads/PlatinumWelcomePack.pdf
(note that due to the way the Amex website is set up, I can't guarantee that these are the latest revisions of the PDS's, and you should call Amex for confirmation)

Note that it seems that if you have a Plat Charge card, and have a Plat Credit Card connected to your account, some purchases made on the Plat Credit card get the insurance benefits of the Charge card. There are differences - for example, with the Credit Card, your entire journey must be paid on the Amex, but with the Charge card, only $100 or more of your flight needs to be charged to the card, and the Plat Charge card has payment if you are Hijacked etc (once again, this is only my reading, and should be checked if you want to rely on it!)

 

[Nutcase]

There are two different types of Amex Plat cards (credit card vs charge card) and each has different insurance policies, limitations and requirements.

PDS for Platinum Credit Card: http://www.americanexpress.com/australia/pdfs/platcredit_insuranceflightbooklet.pdf
PDS for Platinum Charge Card: http://www.iplatinum.americanexpress.com/platinum/australia/downloads/PlatinumWelcomePack.pdf
(note that due to the way the Amex website is set up, I can't guarantee that these are the latest revisions of the PDS's, and you should call Amex for confirmation)

Note that it seems that if you have a Plat Charge card, and have a Plat Credit Card connected to your account, some purchases made on the Plat Credit card get the insurance benefits of the Charge card. There are differences - for example, with the Credit Card, your entire journey must be paid on the Amex, but with the Charge card, only $100 or more of your flight needs to be charged to the card, and the Plat Charge card has payment if you are Hijacked etc (once again, this is only my reading, and should be checked if you want to rely on it!)

Mal

You are indeed correct. The Platinum Charge and Creidt cards have different policies.

Whilst the Platinum Charge Card has come in for some criticism on this forum, the travel insurance is actually very good and goes a long way to off-set the $900 annual fee.

 

[kkutasi]

thanks all for your comments.

very helpful... as always

as i only have the Plat CC, I am therefore thinking i would probably be better off purchasing my own insurance, given that there are so many gaps. yes?