Travel insurance - amex Plat Charge Card supplementary cardholder

[exp1k]

What if I have supplementary Platinum Card holders on my Centurion account who are not immediate family members? Do they have platinum travel insurance, centurion travel insurance, or no travel insurance?

Centurion Insurance T&C say:
American Express Centurion member means the basic holder of
an American Express Centurion Card, including the holder of any
supplementary American Express cards issued on the American Express
Centurion Card account, issued by American Express Australia Limited
(ABN 92 108 952 085 AFSL Number 291313), billed from Australia and in
Australian dollars.

This seems to imply that my supplementary cardmembers have the more generous Centurion insurance as they are a Centurion member. Is this right???

 

[PineappleSkip]

Is there a definition of supplementary card holder?

 

[exp1k]

Is there a definition of supplementary card holder?

No, but a definition of "YOU":
You/Your means any person provided they are an American Express
Centurion member of their Spouse or Dependent Child.

That means You refers to any supplementary card holder, right?

 

[zan5hin]

I thought I would contribute what I have found to this thread.

The first time I went away long term I got a 12 month travel insurance through Worldcare but was very disappointed when I stepped back in Australia and my policy was instantly invalidated. I got a pro rata refund that I put toward my next trip, so no harm no foul.

The second time, I applied for a no annual fee ANZ Platinum card, and spent $250 to activate it, and used it for a 6 month trip. Then I cancelled the card.

This time around, I asked my father to put me onto his Amex card, as I am now in Manila and staying here for 6 months to set up a business. He has a Platinum Small Business Card. I was approved as a supplementary cardholder the day before I flew out, and I was able to pick up my card in Manila (but it is only valid for 6 months).

From my conversations with the Amex CSR, who passed me through to the ACE insurance department on a conference call, I asked specifically if I was covered when not travelling with the primary cardholder, and also if I was covered without any minimum spend. I was told that yes, I will be covered and just holding the card is enough to be covered - no spend required. There is a $250 excess for a claim, but it seems to cover the same medical emergencies as my previous policies with Worldcare and ANZ Platinum.

Re: American Express Platinum SBS Charge Card Insurance

American Express International, Inc (AEII) is the insured under a Master Policy (09NACPLTSB) with ACE. American Express Platinum SBS Charge Card Insurance card members have access to complimentary Insurance benefits under this Master Policy Agreement.


Further to your enquiry please find attached the Insurance Terms and Conditions. Please read this document carefully as it explains the nature of the arrangement and the relevant benefits, as well as all terms, conditions and exclusions

It is important for you to understand how activation of the complimentary Insurance is defined within these terms and conditions.

If you wish to make a claim, just click the following link. [url]https://claimslodge.ap.acegroup.com/Default.aspx[/URL]. Alternatively, you can request a claim form from us. Claims will be assessed in accordance with the Insurance terms and conditions associated with the American Express Platinum SBS Charge Card Insurance, which have been agreed between AEII and ACE.

Here is the attachment (from my Dropbox):
https://www.dropbox.com/s/gyyb241trsxa7km/Plat SBS 2012.PDF

 

[ketsuzei]

The point greenfrog86 is making, is that if the spouse (or dependent children) are not travelling with you, they are not covered

Is this actually the case?

I see that the Platinum Reserve is being advertised as follows:

https://www.americanexpress.com/australia/campaigns/platinumreserve/index.shtml

Your dependent children (aged 22 and under) and spouse would also be covered - even when they're travelling without you providing their trip is purchased on your Platinum Reserve Credit Card or with your Membership Rewards points.

It seems strange to me that that would apply to the Reserve card, and not to the Charge card. But I just can't get my head around the wording in the various terms and conditions.