Amex Travel Insurance

[HungryForPoints]

Hi All,

Hoping someone can help me out.

I've purchased full return fares to Bali with my Amex, so believe that makes me eligible for travel insurance. Paid for accommodation with gift cards, therefore accommodation not paid with Amex.

If for some reason, the trip is cancelled or delayed. Is the accommodation also covered under then Trip Cancellation and Amendment Cover? or does the accommodation need to be paid with Amex to be covered as well?

Thanks in advance.

 

[Cynicor]

Best to read your pds for the individual card. Each card is different.

 

[HungryForPoints]

I've been through the PDS for my Card (Amex Ultimate Qantas Card). This bit says accommodation costs you have paid in advance. Just not sure if it has to be paid from Amex.

 

[MEL_Traveller]

you need to establish your eligibility for cover as a starting point. Look to the PDS for eligibility criteria. If you are eligible then everything under the policy will be included. Eligibility will cover the minimum spend requirements for the policy to be activated.

 

[Cynicor]

I've been through the PDS for my Card (Amex Ultimate Qantas Card). This bit says accommodation costs you have paid in advance. Just not sure if it has to be paid from Amex.

View attachment 427690

Does it say accommodation only if paid with Amex? If not you have your answer…

 

[HSB44]

does anyone have any experience claiming travel insurance with the Ultimate card?
Is it reasonably good and comprehensive overall?

I'm going to fiji and wondering whether I need to take out additional insurance or not.

I'm looking at the PDS too, but it helps to understand how they process claims too

 

[MEL_Traveller]

does anyone have any experience claiming travel insurance with the Ultimate card?
Is it reasonably good and comprehensive overall?

I'm going to fiji and wondering whether I need to take out additional insurance or not.

I'm looking at the PDS too, but it helps to understand how they process claims too

Only you can decide if you need additional cover. For example, are you doing activities which require a supplement… like extreme activity, or certain types of diving? Or a cruise? Do you have pre-existing conditions that you want covered?

Will you meet the eligibility criteria to activate your AMEX insurance?

What are you looking for in terms of how they process claims?

Otherwise… there may be little advantage in having to similar policies. Either way you have to disclose both belies in the event you need to make a claim, and some paid policies will direct you to your CC policy first anyway.

 

[HSB44]

Only you can decide if you need additional cover. For example, are you doing activities which require a supplement… like extreme activity, or certain types of diving? Or a cruise? Do you have pre-existing conditions that you want covered?

Will you meet the eligibility criteria to activate your AMEX insurance?

What are you looking for in terms of how they process claims?

Otherwise… there may be little advantage in having to similar policies. Either way you have to disclose both belies in the event you need to make a claim, and some paid policies will direct you to your CC first anyway.

Yep all that's covered by PDS. I guess I'm just interested to know if they are reasonable with what they pay out on, or whether they seek loopholes to avoid helping.

I'm hoping by the lack of 'Amex and Chubb screwed me over!' posts, that generally indicates that they are reasonable.....

 

[lovestotravel]

Yep all that's covered by PDS. I guess I'm just interested to know if they are reasonable with what they pay out on, or whether they seek loopholes to avoid helping.

I'm hoping by the lack of 'Amex and Chubb screwed me over!' posts, that generally indicates that they are reasonable.....

I have the Amex Plat Charge but insurance is still with Chubb.

I made a small claim of about $1,500 AUD for a ED visit after a leg injury. They covered everything I claimed, including taxis back and forward to the hotel, hospital etc.

Claim process took about 4 days, no question asked but I provided all receipts/statements etc

Of course larger claims will take longer and they may ask more questions