Everything to know about the American Express Platinum comprehensive travel insurance

Sep 28, 2019

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This story has been paid for by American Express, but the opinions are those of the author and TPG. This is one way TPG continues to provide our readers with free news and advice about travel.

While both The Platinum Card from American Express UK and the Business Platinum Card from American Express UK have a long list of included travel benefits, one valuable benefit is the comprehensive travel insurance you get. You may know the adage “If you don’t have travel insurance then you shouldn’t travel”, and that’s something we believe here at TPG UK.

It’s good to know you have the option of this insurance when you have either one of these cards, but if you choose to use it, you may want to know exactly what is covered and what isn’t before you start your journey. Here are your questions, answered.

Who is covered?

Both the main card holder, their partner or spouse and, if applicable, up to two children under the age of 25 are covered. So the one policy can cover a family of four, and supplementary cardholders are also covered.

What period is the coverage for?

If you’ve booked travel insurance for a specific trip before, you may have noticed that the cost of the policy can increase significantly based on the length of the trip and/or the countries you are planning to visit. Fortunately, this insurance covers all destinations worldwide (excluding those destinations the UK Homes Office advises avoiding travel to) for trips of up to 90 days each — that’s a long holiday. Note there is a maximum coverage of 240 days per year in total if you are a frequent traveller. You will be covered for as long as you have the card active.

What’s covered and what’s not?

This is where it gets detailed. Of course, you can’t estimate what expenses you might run up for an unforeseen accident, so you may wish to check out this part of the policy terms and conditions, which can be found here. To summarise the main limits:

  • Medical Assistance and Expenses — £2,000,000
  • Emergency Dental — £1,000
  • Cancellation, Postponement and Abandonment of Trip — £7,500
  • Personal Belongings, Money and Travel Documents — £2,000
  • Car rental theft or damage — £50,000 (including any excess)
  • Damage to another car — £500,000 ($1 million in USA)
  • Travel Inconvenience — £300 for missed departure due to accident or breakdown, travel delay, overbooking or missed connection; £300 for delayed baggage because of your airline with an additional £300 for extended baggage delays
  • Death or permanent disablement while on trip caused by an accident — £50,000
  • Legal fees — £25,000 for compensation defence costs and £1,000,000 for legal liability to others
  • Purchase Protection — £2,500 if an item is stolen or damaged within 90 days of purchase
  • Refund Protection — £300 per item if you can’t get a refund from the retailer.

In terms of activities, the policy covers winter sports such as such as skiing and snowboarding (including off-piste with a guide), and for usual holiday sports or activities, such as fishing, horse riding and scuba diving (down to 30 metres).

Naturally, there are some exclusions and limitations such a pre-existing medical condition, anyone over 69 years old for medical assistance and expense claims, circumstances known before commencing a trip, adverse weather conditions, suitable alternate travel offered, terrorist activities, minor delays, work-related accidents and some others.

Do I have to use the card for the trip in order for the insurance to cover it?

This is a really important point. It’s only a requirement that you used the card for the purchase protection and refund protection. If you used Avios for the flight, you could still use the travel insurance for eligible claims for that flight, even if you paid the fees and taxes with a different card. 

Is there any excess?

Where you choose to use this insurance, there is an excess of £50 payable for each claim for the following:

  • Cancelling, postponing and abandoning your trip
  • Personal belongings, money and travel documents

How do I activate the insurance?

This insurance is optional and subject to enrollment. Cardmembers are asked if they wish to enroll in the insurance at the time of applying for the card at no additional charge. If you did not choose to enroll in the insurance you can do this at any time after activating the card by making a claim with the insurance carrier.

Note that the balance of your Platinum Card must be paid if due before a claim can be approved if you choose to use the insurance.

What is the claim process?

If you do need to make a claim you can do so either online 24/7 on the American Express UK website, or by phoning Platinum Card Services.

You can apply for the Platinum Card from American Express UK here and the Business Platinum Card from American Express UK here.

Featured image by Steamboat Ski Resort

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