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.

 

[Amber_PP]

I downgraded/changed from Velocity Plat -> Plat Edge last year and had to make a claim, was covered under Plat Edge policy as per the table above.

 

[kokoikaka]

I downgraded/changed from Velocity Plat -> Plat Edge last year and had to make a claim, was covered under Plat Edge policy as per the table above.

Thanks for sharing, good to know it is covered.
Would you mind share what kind of document/proof they asked when you made claim? I reckon you would need to show flight tickets were bought with the Velocity Plat card?

 

[Doctore1003]

You need to pay for a return trip (includes two one way bookings) to trigger the insurance, not just an outbound flight.

 

[Amber_PP]

You need to pay for a return trip (includes two one way bookings) to trigger the insurance, not just an outbound flight.

That's correct, but you only need to pay for the outbound with your Amex to trigger it AFAIK. At least with the Edge/Explorer.

Thanks for sharing, good to know it is covered.
Would you mind share what kind of document/proof they asked when you made claim? I reckon you would need to show flight tickets were bought with the Velocity Plat card?

Yeah, two o/w tickets showing proof of return travel + the relevant statement from the Velocity Plat showing that the outbound was booked with the Amex. They didn't query/follow up on the change of card.

 

[kokoikaka]

You need to pay for a return trip (includes two one way bookings) to trigger the insurance, not just an outbound flight.

International Return Trips
4. You are going on an International Return Trip and You pay the full amount of Your outbound ticket for a Scheduled Flight or Scheduled Cruise leaving Australia on Your:

i. American Express Card Account;
ii. corresponding American Express Membership Rewards points or frequent flyer points (where applicable); and/or
iii. Travel Benefit.


Only need to pay for the outbound ticket. But the trip needs to be a return trip back to Australia