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

 

[MEL_Traveller]

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 think any insurance company is going to pay claims if you qualify, and deny claims where you haven’t followed the PDS.

Most of the complaints I read online are passengers not understanding their insurance or how it works. There’s no ‘hidden’ catches… they just ‘assumed’ their insurance would operate in a particular way. For example they assume if they miss a connection they can just buy a new airfare. Or that they don’t need to file a police report for stolen items. Or that they don’t need to seek approval from their insurance company as soon as possible if they’re going to incur major costs (like hospital). Or that they’re covered for scooter riding, etc.

 

[HSB44]

I think any insurance company is going to pay claims if you qualify, and deny claims where you haven’t followed the PDS.

Most of the complaints I read online are passengers not understanding their insurance or how it works. There’s no ‘hidden’ catches… they just ‘assumed’ their insurance would operate in a particular way. For example they assume if they miss a connection they can just buy a new airfare. Or that they don’t need to file a police report for stolen items. Or that they don’t need to seek approval from their insurance company as soon as possible if they’re going to incur major costs (like hospital). Or that they’re covered for scooter riding, etc.

yeah scooters are a sad one. I personally know a couple of people who had life changing injuries in Thailand/Vietnam.
And I notice that the newspapers still talk about those poor girls who got alcohol poisoining in Lao recently.

All these dangers are there and well known but I guess people relax when they are on holiday and don't have the headspace to worry about risks - that's where friendly insurance people come in

 

[burneracc]

I just went through this process myself. After a flight misconnect due to weather delays, I forfeited a rather expensive pre-paid hotel night along some additional miscellaneous expenses. While Chubb certainly didn't make it the easiest of processes, and it took a fair amount of effort from my part, I persevered and have successfully been reimbursed for accomodation that was missed due to a delay. Initially they closed my case in their favour ($0 in reimbursement paid) however I was able to cite their own terms against them and succeed with my claim.

Overall, I would say I was slightly let down with how difficult the process was, but nonetheless very satisfied with this result. I say this since there were 2 requests for additional information from me after my initial submission, as well as me needing to appeal / overturn their decision with extra evidence. In my mind, the insurance claims on such a high end card would have been a bit friendlier, but at the end of the day they (Chubb) are still an insurance company under the hood. At least they constantly let me know how much they "sympathised with my situation"

Perseverance is absolutely key when it comes to these claims it seems. This has been my first TI claim on any card. It has offset a very large chunk of my annual fee and I will definitely hold on to the card for at least another year as a result of this, so they regain some goodwill from that at least.

Other info: this insurance was provided through my platinum charge. There was an excess of $250, but that seems standard across most of their offerings. Claim submission timeline to payment outcome was 19 days.

 

[Siebert]

I had a similar experience where the first response wasn't the final word. Once I pointed them to the relevant section of the PDS and attached a couple more documents, the outcome changed. It definitely pays to read the wording carefully before accepting a rejection.

 

[MEL_Traveller]

I just went through this process myself. After a flight misconnect due to weather delays, I forfeited a rather expensive pre-paid hotel night along some additional miscellaneous expenses. While Chubb certainly didn't make it the easiest of processes, and it took a fair amount of effort from my part, I persevered and have successfully been reimbursed for accomodation that was missed due to a delay. Initially they closed my case in their favour ($0 in reimbursement paid) however I was able to cite their own terms against them and succeed with my claim.

Overall, I would say I was slightly let down with how difficult the process was, but nonetheless very satisfied with this result. I say this since there were 2 requests for additional information from me after my initial submission, as well as me needing to appeal / overturn their decision with extra evidence. In my mind, the insurance claims on such a high end card would have been a bit friendlier, but at the end of the day they (Chubb) are still an insurance company under the hood. At least they constantly let me know how much they "sympathised with my situation"

Perseverance is absolutely key when it comes to these claims it seems. This has been my first TI claim on any card. It has offset a very large chunk of my annual fee and I will definitely hold on to the card for at least another year as a result of this, so they regain some goodwill from that at least.

Other info: this insurance was provided through my platinum charge. There was an excess of $250, but that seems standard across most of their offerings. Claim submission timeline to payment outcome was 19 days.

What was their reason for declining initially?