Amex Platinum insurance – MASTER THREAD

Thanks. Makes sense. Also found…..

CAR RENTAL BENEFITS – THEFT, DAMAGE
AND LIABILITY (CEG)
✓ £50,000 for theft or damage to vehicle (including any
applicable excess).
✓ £50,000 (US$1 million in USA) for damage to another person
or their property.

I say that includes the excess the rental company may charge me!

Thanks Rob, as it comes with basic cover included, that wont be an issue.

Just didnt want to be on the hook for 1600 Euro excess if I write the car off…..

Sounds like the Platinum would step in in that extreme scenario

wytco0 wrote:

Does anyone know if the Platinum Travel Insurance covers Pre existing conditions, I have a few, including having had a minor heart attack and sleep apnoea.

It covers only a specific list of pre-existing conditions – they can provide you with the latest version. You can’t pay extra to include ones not on the list.

Hi all, I think I know the answer to this one but thought I’d better check.

I’ve used my entire IHG balance (500K) on 5 nights at the Six Senses Laamu in the Maldives. Being a Six Senses redemption, the cancellation terms are 14 days as opposed to the usual 24-48hrs that you get with other IHG redemptions.

Unfortunately the Maldives still requires a negative PCR before travel. In the event that either of us tests positive and we have to cancel (or something else untoward happens), I presume that we’ve got zero recourse with Amex Platinum, or IHG, in terms of those 500K points?

Which would be pretty damn heart-breaking given the number of years it’s taken to reach that balance…

slidey wrote:

If your insurance covers you for a cash booking it should also cover a points booking afaik.

IHG/the hotel, it would probably be discretionary as to if they refunded due to being unable to travel.

I understand that the trip is covered regardless. But if for example I’d paid the going rate (£3000 for 5 nights) I’d also expect this refunded under the cancellation terms. However, whilst those 500K points are “worth” the equivalent money, I think I’d lose out/have to suck it up?

I can only see Nationwide mention that they cover for points

DonLee wrote:

I can only see Nationwide mention that they cover for points

That’s interesting! Just dug out their T&C’s and it says:

“The value of used points or miles if you booked your flight or accommodation using Avios or a similar promotional scheme.”

But no mention of how they define the value.

Amex Plat insurance does cover points bookings as well. At they did for me pre-pandemic 4-5 years ago. It was a Hilton booking and had to cancel last-minute due to medical reasons. The way I claimed is that I put the value as if I was purchasing points. There is excess and if I remember correctly, it’s £50.

That’s good to know @Rob.

@Squawk7700 we’re at Laamu from Feb 20th for a week and your question had been exercising my mind too so thanks for posting it! Fingers-crossed for both of us when it comes to the PCR roulette…

@squawk7700 We have had a quote of USD1,453.76 (726.88 or about £530 each) for the transfers. I wasn’t aware of the discount you mention so haven’t asked! I just expect that everything to do with the Maldives will be eye-wateringly expensive and then hopefully I won’t be disappointed 🙂

I am a Spire Ambassador and have redeemed into a standard over-water villa as you say. I did mention my status in the last email and ask what upgrade options were available but they studiously ignored that comment altogether in their reply! I have asked the question again (including what is possible as a paid upgrade) and will post when I get any more info.

Hi there,

Help very gratefully received. I’m travelling to Thailand soon. I need to show them an insurance certificate. I’m a platinum card holder. I can generate a one page letter from the amex website but it doesn’t have a policy number (is the policy number my card number?) is there anything else I can get?

thank you!!!

Also headed to Thailand in about 7 weeks. Does anyone know if the insurance on either Amex BAPP or Amex Gold meet the criteria for entry? Thanks.