US Amex Travel Insurance Coverage

[big_RED]

I couldn't see anything here so thought I'd ask.

Based on what I've read via the T&Cs and using Gemini, as an Australian Citizen (not residing in the US) with a USA Credit Card - I am intelligible to claim travel insurance. Even though my wife is a US Citizen as a secondary card holder. Because we don't reside in the US is the key issue I believe that will block any claims submitted.

Do others agree?

Therefore, if I use my US Amex as my main credit card, I should not rely on this for the travel insurance component at all. I realise credit card insurances aren't great, but I'm just doing some due diligence to cover my bases.

 

[levelnine]

I've never relied on it, especially because most US cards don't cover medical. And I wouldn't risk it with something like car rental insurance where the cost of not being covered could be very extensive.