Centurion here I come.....

[haydensydney]

nah!
it's not that bad
if you paid the full airfare on your amex, you are covered for your entire journey.

I've been wondering about the T&C's and the jargon used, and what is defined as "paying for your journey".... we pay for everything on Amex anyway so we might be OK.

 

[awilcockson]

we pay for everything on Amex anyway so we might be OK.

Except when you hit a mode of transport that doesn't accept Amex!

 

[haydensydney]

Except when you hit a mode of transport that doesn't accept Amex!

Yes, but if i'm in London on a holiday (paid for by my amex) and I catch a bus that didn't accept amex - I would still consider myself covered. I'm sure "sub" journeys would be covered, like in the scenario I just mentioned.

Further, if my partner and I were driving out to Emirates Wolgan Valley for a "holiday" and we paid petrol with the Amex (but Wolgan paid with Visa), surely we would be covered, e.g. we are paying for the petrol with the amex, and the petrol is getting us away on our journey therefore - covered.

How deep is the rabbit hole Alice?

 

[sparoz]

Yes, but if i'm in London on a holiday (paid for by my amex) and I catch a bus that didn't accept amex - I would still consider myself covered. I'm sure "sub" journeys would be covered, like in the scenario I just mentioned.

Further, if my partner and I were driving out to Emirates Wolgan Valley for a "holiday" and we paid petrol with the Amex (but Wolgan paid with Visa), surely we would be covered, e.g. we are paying for the petrol with the amex, and the petrol is getting us away on our journey therefore - covered.

How deep is the rabbit hole Alice?

The reason why we are having this discussion is that because the policy is unclear. The other problem is the stated PEMC are so general that it can potentially affect everyone. If you have complained to your doctor ever that you have some palpitation (and that's because you just had a virus), you might not be covered for a DVT while you are on the plane trip. There is no definition on high blood pressure or raised cholesterol. The whole policy is very open to interpretation.

 

[jyavenard]

No you are not.

Go and have a read through the BIG thread on this, and you will find that what I've stated is correct.

I can't find the centurion T&C's online.

But the platinum is there (cover is almost identical to centurion)
https://secure.cmax.americanexpress...sandconditions/SBSPlatinum/THEPLATINUM_v1.pdf

You are covered for your entire journey, provided it is less than 183 days
"Medical emergency cover" specifically cover you during your "Trip" where a Trip definition is the duration during which you are away from home and no more than 183 days.

There are no specific exclusions for injuries sustained during public transportation or taxi.

In fact, you are "specifically" covered for events occurring on a "Common Carrier Conveyance"
"
Common Carrier Conveyance means an air, land or water vehicle (other than a rental vehicle or Private Charter aircraft) operated by a common carrier licensed to carry passengers for hire (including taxis and airport limousines). "
Page 5: "

• Loss arising while riding as a passenger on, or transport to/from a Common Carrier Conveyance; "
  

It would make no sense to not cover events that would arise from the mere act of travelling.

I don't care what another BIG thread could state. The T&Cs are written in black & white... There is very little room for interpretation.

I only ever made one claim during travel insurance. I had left my camera bag in a taxi. I paid a $50 excess and I got brand new of everything.

 

[jyavenard]

Except when you hit a mode of transport that doesn't accept Amex!

Which is pretty much all mean of public transportation everywhere other than the US and Australia...
In most european countries, the only places accepting amex are hotel and fancy restaurants. Well, that's my experience anyway

 

[Diesellife]

According to my relationship manager and the ACE operator - Centurion Insurance is currently under review, Amex delayed the policy as they have already received some complaints for the TI (that hasn't even been rolled out). Please continue to email amex to express our concerns for the Centurion cards and hopefully they won't be stupid enough to change the existing TI.

 

[Diesellife]

I
You are covered for your entire journey, provided it is less than 183 days
"Medical emergency cover" specifically cover you during your "Trip" where a Trip definition is the duration during which you are away from home and no more than 183 days.

There are no specific exclusions for injuries sustained during public transportation or taxi.

In fact, you are "specifically" covered for events occurring on a "Common Carrier Conveyance"
"
Common Carrier Conveyance means an air, land or water vehicle (other than a rental vehicle or Private Charter aircraft) operated by a common carrier licensed to carry passengers for hire (including taxis and airport limousines). "
Page 5: "

• Loss arising while riding as a passenger on, or transport to/from a Common Carrier Conveyance; "

It would make no sense to not cover events that would arise from the mere act of travelling.

"Travel Insurance" AND "TRANSPORT ACCIDENT" are now seperate cover under different catagory. An activation on the "Travel Insurance" does not necessary mean you are activated for the "Transport Accident" part.

Activation of the above 2 catagories are as followed:
"Cover is effective when You pay the full fare for a Trip on the American Express Platinum Card Account or with American Express Membership Reward points"

The problem is the definition of "Trip" is not fully explained. To complicate the matter further - "Full Fare" is not in the definition at all. See below for details:

Trip means:
1. a Domestic Trip; or
2. an International Trip.
Cover for a Trip ceases at the earlier of:
1. when You return to Your usual place of residence; and
2. when Your Trip exceeds one hundred and eighty (180) consecutive days; and
3. when You have travelled a total of one hundred and eighty-three (183) days during
each year of American Express Platinum Card Account membership.
Each Domestic Trip or International Trip must commence and end in Your Country of
Residence.

If you take a taxi in the UK, after you landed in overseas. The taxi trip itself cannot consider as a standalone trip as it does not original in the country of residence.
In order to get cover in the taxi, we have to establish the connection between AUS-UK-Taxi. Then the next question is how do you calculate "Full Fare" based on that trip.
Merely the air fare alone is likely to be a weak argument to say its the "full fare" of AUS-UK-Taxi (Without proper definition) and that creates uncertainty / grey area for ACE to refuse your cover for "TRANSPORT ACCIDENT".

 

[haydensydney]

Diesellife, the fact that there is a grey area doesn't necessarily mean that its an opportunity for ACE to refuse cover. Often this is an opportunity for the insured to fight any refusal and go through the motions. Often it would get paid. Most insurers wouldn't have such a glaring grey area though...

 

[Diesellife]

I'm not sure if my spouse would want to go through the motion if I die - touch wood.
With 1 million cover for transport accident cover, I want to be sure it's in effect rather than being uncertain.

Then again, the chance of claiming such is indeed very slim and probably I'm worry for nothing.
To be honest, I'm more worry with my corporate travels :-( it seems that I have to fork out additional $ to get a nice annual policy for my family...

 

[Cruiser Elite]

FYI:

ACRO
I have heard that there are changes upcoming to Travel Insurance Policy with Centurion Card – are you aware of changes forthcoming.
Cruiser Elite

Dear Cruiser
You are correct and yes there will be changes to the Travel Insurance Policy, not just for Centurion Cardmembers only, but also for our other Card Products.
We are making these changes because of the general increase in the cost of insurance over the past few years.
With the Centurion Travel Insurance, the Basic, Spouse and dependent children will still be covered as long as the travel booking is made using the Centurion Card.
I hope that helps.
Regards,
ACRO

ACRO
When will full T & C’s be made available for Cent Travel Insurance?
Rgds
Cruiser

Cruiser
Not sure - soon hopefully
ACRO

 

[jyavenard]

This is in line with what the guy told me over the phone... What he did miss to tell you however, is that not only complementary card holder aren't covered anymore, but the level of cover change drastically.

 

[k3nnis]

Are we covered (all AMEX plat credit and charge cards) if we transfer required number of MR points to say an airline partner like virgin atlantic and then book an award ticket ?

 

[jyavenard]

Are we covered (all AMEX plat credit and charge cards) if we transfer required number of MR points to say an airline partner like virgin atlantic and then book an award ticket ?

According to the letter sent to the plat holders, yes.

 

[k3nnis]

ok thanks. The downside is that the miles I earned by flying cannot be included for the insurance to activate

According to the letter sent to the plat holders, yes.

 

[awilcockson]

You are correct and yes there will be changes to the Travel Insurance Policy, not just for Centurion Cardmembers only, but also for our other Card Products.
We are making these changes because of the general increase in the cost of insurance over the past few years.
With the Centurion Travel Insurance, the Basic, Spouse and dependent children will still be covered as long as the travel booking is made using the Centurion Card.

Wow, just wow. Just when I though Amex couldn't get any worse. You'd have thought a $4,300 annual fee could have covered keeping the existing insurance for centurions.

 

[3eef]

Wow, just wow. Just when I though Amex couldn't get any worse. You'd have thought a $4,300 annual fee could have covered keeping the existing insurance for centurions.

Amex you have been fun but seriously if you think you can get away with this you are mistaken.

I would rather deal with ****i bank and pay $0 and get some value than pay $4300 if you remove these BASIC benefits.

 

[exp1k]

Amex you have been fun but seriously if you think you can get away with this you are mistaken.

Every Centurion card holder should send an email through the "contact us" link on the amex website and tell them not to make any detrimental changes to the Centurion travel insurance. It seems they haven't finalized any changes yet, and the more cardholders complain the better our chances to prevent them from making any such changes. Please complain before it is too late!

 

[Homer]

Every Centurion card holder should send an email through the "contact us" link on the amex website and tell them not to make any detrimental changes to the Centurion travel insurance. It seems they haven't finalized any changes yet, and the more cardholders complain the better our chances to prevent them from making any such changes. Please complain before it is too late!

I agree and I have just done exactly that.

 

[3eef]

Every Centurion card holder should send an email through the "contact us" link on the amex website and tell them not to make any detrimental changes to the Centurion travel insurance. It seems they haven't finalized any changes yet, and the more cardholders complain the better our chances to prevent them from making any such changes. Please complain before it is too late!

Did it yesterday