AMEX Platinum Charge Card Travel Insurance - snow friendly?

cleeshoy

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Jul 7, 2007
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Hey guys.
Anyone used the AMEX Platinum Charge Card Travel Insurance for an overseas snow trip? This card doesn't need you to purchase the trip on your card - you are automatically covered just by being a card holder.

Am reading through the T&C's and don't see anything excluding snow sports but not sure if that is good or bad?!
 

Julia Gillard

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Yes it is snow friendly
smile.gif
for ON piste skiing from memory.

Not for snowmobiling though according to the insurance company

OFF piste from memory isn't covered either but I don't do Carveman type skiing so I haven't really bothered checking that too much.

Haven't had to claim for any injuries on the snow, which I assume is what you are asking. For Baggage delays they paid out $2800 directly to my Amex card in about 2 weeks from making the claim.

You are correct you don't need to spend a cent on the card for travel insurance to cover you. EXCEPT for the car-insurance cover in which you need to put the whole rental on the card AND be 250kms from home to be effectiveT from memory.

The car hire cover is only good for Australia and NZ really, and I am sure you'll be renting a car in the USA for EPIC Heavenly skiing
tongue.gif


As per any insurance advice, research this for yourself and get everything in writing and don't listen to people on forums
wink.gif


I can't remember who actually issues the insurance, but call Amex, and they will put you through to a specialist from the insurance company who knows the T&C's inside out.

Get them to email you clarifying that snow is covered and what is NOT covered.

smile.gif


Are you deciding to get the card ? Are you deciding not to get normal travel insurance and use this policy instead?
 
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cleeshoy

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Thanks JG - Yes I read the 250km from "home" bit ..given we will be in the USA I reckon we will be ab it over 250km from our "country of domicile" as the AMEX T&C's so delicately puts it ;-)

Heading to Colorado for season 2010/11 - time to visit our friends again in Breckenridge (although we LOVED Heavenly!). I can't see anything about off-piste riding (although heli-skiing is not covered for pesonal liability by this card) not being covered but will definately call up the Insurance Underwriter for more clarification. The confusing bit is "extreme sports where special equipment, training and preparation are required." - that could be just about ANY sport or activity!

Have just applied for the card and was considering using it for our travel insurance instead ONLY if I was comfortable with its coverage. I have read the T&C's of some other credit card companies' insurance and didn't fell comfortable enough to use it for a snow trip. Was hoping/wondering if this card had the goods....
 
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cleeshoy

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gareth_oau said:
I do believe that the Amex travel insurance doesnt cover you for the excess payable on car hire accidents

Gazz - I think this card does....

We will pay any amounts You are responsible for under the Rental Agreement,
including the Deductible if loss is incurred during a Covered Rental Trip, as a
result of accidental damage, fire, vandalism, theft or loss of use of the Rental
Vehicle. This will apply whether You are responsible or not for the accident...........

Deductible means the amount payable by You for each and every claim when You
have not purchased the collision insurance proposed by the Rental Company.
 
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Julia Gillard

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gareth_oau said:
I do believe that the Amex travel insurance doesnt cover you for the excess payable on car hire accidents

It does as from Feb 2008, it didn't before that. It doesn't cover me as cover up to $70,000 is no good for the USA, as you are usually liable for the other car as well as per the T&C's of the car rental places. As such you could be up for $200,000 if your car is crashed, you crash into another nice high-end car plus all the extra costs the car rental place will hit you for, such as towing, loss of rental ability of the car etc etc.

****In the USA ALWAYS take out all insurances provided by the car rental company****

For Amex Platinum Charge card.

"Cover is provided under this part for the following benefits below, subject to the
other terms, conditions and limitations set out in this document.
1. We will pay any amounts You are responsible for under the Rental Agreement,
including the Deductible if loss is incurred during a Covered Rental Trip, as a
result of accidental damage, fire, vandalism, theft or loss of use of the Rental
Vehicle. This will apply whether You are responsible or not for the accident.
We will pay You up to:
• AUD70,000; or
• the value of the Rental Vehicle; or
• the value of the claim;
Whichever is the lesser.
We will pay the above in respect of any one (1) accident or occurrence and
a maximum two (2) claims per three hundred and sixty-five (365) days."


The following are excluded from being covered.

"Liability arising directly or indirectly from Special Sports and abseiling; American
football; baseball; bob sleigh; bungee jumping; canoeing; clay pigeon shooting;
deep sea fishing; fell running; go-karting; hang gliding; heli-skiing; hockey; horse riding; hot air ballooning; ice hockey; jet biking and jet skiing; luge; martial arts; microlighting; mountain biking off tarmac; mountaineering; parachuting; paragliding; parascending; paraskiing; polo; potholing; quad biking; rock climbing;
rugby; scuba diving deeper than thirty (30) metres; skeleton; skidoo; ski-jumping;
ski-racing; ski-stunting
; tour operator safari (where You or any other tourists will
be carrying guns); trekking; war games/paint ball; white water canoeing and rafting;
yachting more than twenty (20) nautical miles from the nearest coastline."
 
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Julia Gillard

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cleeshoy said:
Thanks JG - Yes I read the 250km from "home" bit ..given we will be in the USA I reckon we will be ab it over 250km from our "country of domicile" as the AMEX T&C's so delicately puts it ;-)

Heading to Colorado for season 2010/11 - time to visit our friends again in Breckenridge (although we LOVED Heavenly!). I can't see anything about off-piste riding (heli-skiing is not covered for pesonal liability by this card). not being covered but will definately call up the Insurance Underwriter for more clarification. The confusing bit is "extreme sports where special equipment, training and preparation are required." - that could be just about ANY sport or activity!

Have just applied for the card and was considering using it for our travel insurance instead ONLY if I was comfortable with its coverage. I have read the T&C's of some other credit card companies' insurance and didn't fell comfortable enough to use it for a snow trip. Was hoping/wondering if this card had the goods....

Short answer is YES the card has the goods
smile.gif


Breck - Drool....
biggrin.gif
Heavenly/Breck - Drool
smile.gif


For the season??????? WOW - EPIC
tongue.gif


For my holidays I only use the insurance provided by Amex Plat charge and it's been fine. Exception is Hawaii next week where I have taken separate travel insurance to cover horse riding... Sighs..... Goota keep the +1 happy....

However, for rental cars, as per my other post I pay the extra $25 or whatever per day with Hertz as I wouldn't be fully covered with only $70K from Amex in case of an accident.

For domestic holidays, I had been paying extra for Hertz rentals for insurance, but recently stopped and/or booked it under a corporate promo code I have for no excess domestic insurance
wink.gif


The card is great!

May I ask if you have signed up for the $900 annual fee, or found a promo for a discount?

I haven't paid an annual fee in years on this card and managed to get 100,000 FF points from them as "goodwill" when I have rang for a whinge about certain small mistakes they have made.

Free domestic flight each year - Melbourne, Sydney, Brisbane, Adelaide - CHECK
Free travel insurance for pretty much everything - CHECK
Platinum Travel - Big discounts on business class airfares to most places in the world - CHECK

I could go on
wink.gif
 
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Julia Gillard

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cleeshoy said:
gareth_oau said:
I do believe that the Amex travel insurance doesnt cover you for the excess payable on car hire accidents

Gazz - I think this card does....

We will pay any amounts You are responsible for under the Rental Agreement,
including the Deductible if loss is incurred during a Covered Rental Trip, as a
result of accidental damage, fire, vandalism, theft or loss of use of the Rental
Vehicle. This will apply whether You are responsible or not for the accident...........

Deductible means the amount payable by You for each and every claim when You
have not purchased the collision insurance proposed by the Rental Company.

SNAP

Yes but "only" for $70K

With Hertz in the USA if you have no insurance extra with them you are liable for.

The repair/replacement of your car
The repair/replacement of other cards in the accident
Cost of towing
Hertz' lost revenue for not being able to hire out your vehicle that you crashed.

$70k doesn't go far
tongue.gif


Not sure about Avis and others, but I'll assume they are the same
 
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cleeshoy

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Ohh - not for the season!! only for 2-3 weeks then some travel to see friends after that. I WISH it was the season ;-)

Yup I will always take zero excess for USA car hire....For a couple of hundred bucks its worth the peace of mind!

I signed up for the $900 fee as they have a 50,000 point promo at the moment. I did manage to find a $450 offer but without the points....went for the 50,000 points option as I am low on points right now......Your 100,000 point gift sounds pretty good! Here's hoping I get similar "treatment"!
 

Julia Gillard

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I didn't want to mention the 50,000 point offer in case you missed it
tongue.gif


I am about to call them about this offer as well and complain that as an existing customer blah blah blah... gimme the 50,000 points..
tongue.gif


I have had multiple gifts of 30,000 points and 1 x 10,000 point gift.

If you spend about $10k a year or more, the annual fee should discounted for next year
smile.gif


As for Amex acceptance at places, more and more places do accept Amex now, I only repeat shop and a business that will accept Amex. I refuse to deal with a fruit shop, butcher, that doesn't accept Amex.

The local Indian restaurant now accepts Amex as well so I support them each week.

Combine your normal 1.5 points per $1 with Amex with http://restaurants.qantas.com.au/ and you get 4.5 points per $1 spent which is very EPIC!

The number of restaurants is expanding nicely too, will be going to Orsini in Melbourne before Warren Miller on Saturday for a nice 4.5 points per $1 dinner
biggrin.gif
 
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cleeshoy

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Spend $10k a year - I can manage that pretty easily ;-)
You don't mean $100k do you? That might be a bit more difficult!

Were you around in 2008 when they had the 5,000 points for 5 transactions special offer? THAT was EPIC!!! There were some people who made over 2,000,000 points in that 3 month magical period!!

AMEX is great. I have the Qantas ultimate card which has proven very useful with its complimentary flight, etc + gotten the annual fee waived
biggrin.gif


Will def. check out the restaurant list!!!
 
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gareth_oau

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Julia Gillard said:
However, for rental cars, as per my other post I pay the extra $25 or whatever per day with Hertz as I wouldn't be fully covered with only $70K from Amex in case of an accident.

For domestic holidays, I had been paying extra for Hertz rentals for insurance, but recently stopped and/or booked it under a corporate promo code I have for no excess domestic insurance
wink.gif

travel insurance typically covers you for up to $4000ish towards car rental excess. so, assuming you buy a travel travel insurance policy, then its not necessary to pay the car hire firm the additional $25/d excess waiver
 
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Julia Gillard

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cleeshoy said:
Spend $10k a year - I can manage that pretty easily ;-)
You don't mean $100k do you? That might be a bit more difficult!

Were you around in 2008 when they had the 5,000 points for 5 transactions special offer? THAT was EPIC!!! There were some people who made over 2,000,000 points in that 3 month magical period!!

AMEX is great. I have the Qantas ultimate card which has proven very useful with its complimentary flight, etc + gotten the annual fee waived
biggrin.gif


Will def. check out the restaurant list!!!

Nope my first few years with the Plat card was only around $10-$15k to get a discount on the annual fee. The threat to cancel usually works.... As with most companies.....

Haven't paid an annual fee for many years now, but the spend it close to $150k per.annum as I put some business expenses through it. As well as an Audi Q5
tongue.gif


Yes the 5,000 points for every 20 transactions, was the best I could manage out of that debacle I think it may have been 5,000 for every 10, but they wouldn't put me back on the 5,000 for 5
frown.gif


I cleaned up about 1.5 million points from that promo, multiple purchases from Woolies, petrol, chewing gum etc etc, my card was worn out after the promo.

Unfort. all other promos since have been very tightly set-up and limited to small amounts of points

The 50,000 points for signing up is the best promo for newbies for ALONG time.
 
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Julia Gillard

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gareth_oau said:
Julia Gillard said:
However, for rental cars, as per my other post I pay the extra $25 or whatever per day with Hertz as I wouldn't be fully covered with only $70K from Amex in case of an accident.

For domestic holidays, I had been paying extra for Hertz rentals for insurance, but recently stopped and/or booked it under a corporate promo code I have for no excess domestic insurance
wink.gif

travel insurance typically covers you for up to $4000ish towards car rental excess. so, assuming you buy a travel travel insurance policy, then its not necessary to pay the car hire firm the additional $25/d excess waiver

That is correct so depending on the length of the trip a separate travel insurance policy CAN be okay providing the T&C's are up to scratch.

However, I don't want to deal with Hertz and the insurance policies of another provider if something does go wrong.

For the sake of say a POSSIBLE $200 saving I take all insurance polices with Hertz, and have a $0 payable amount and hopefully don't end up on their DNR (Do Not Rent) list, as once you are on that, you won't be hiring from them again in your lifetime!
 
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gareth_oau

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thats fair comment.

I'm happy to have the car company bill my amex card for the excess payable, and earn all those FF points, then claim back from the travel insurance company
 

cin

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cleeshoy said:
Ohh - not for the season!! only for 2-3 weeks then some travel to see friends after that. I WISH it was the season ;-)

Yup I will always take zero excess for USA car hire....For a couple of hundred bucks its worth the peace of mind!

I signed up for the $900 fee as they have a 50,000 point promo at the moment. I did manage to find a $450 offer but without the points....went for the 50,000 points option as I am low on points right now......Your 100,000 point gift sounds pretty good! Here's hoping I get similar "treatment"!

Damn! I just got rorted! signed up a few weeks ago as I'd used up my annual allowance for points on the visa, but my deal was only 25000 points, but lower fee ($495). Oh well, might need to sign up the missus on the 50000 deal, but she's pretty shifty and I reckon she'll say no worries as long as I pay the fee.
tantrum.gif
 
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Julia Gillard

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Keep in mind that the "Excess" in the USA with no "extra" insurance from Hertz is ALOT more than $4,000. As there is no "excess" you are up for the FULL cost of everything.

So in fact you are not covered at all really!

That's my reading of it!
 

Julia Gillard

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cin said:
cleeshoy said:
Ohh - not for the season!! only for 2-3 weeks then some travel to see friends after that. I WISH it was the season ;-)

Yup I will always take zero excess for USA car hire....For a couple of hundred bucks its worth the peace of mind!

I signed up for the $900 fee as they have a 50,000 point promo at the moment. I did manage to find a $450 offer but without the points....went for the 50,000 points option as I am low on points right now......Your 100,000 point gift sounds pretty good! Here's hoping I get similar "treatment"!

Damn! I just got rorted! signed up a few weeks ago as I'd used up my annual allowance for points on the visa, but my deal was only 25000 points, but lower fee ($495). Oh well, might need to sign up the missus on the 50000 deal, but she's pretty shifty and I reckon she'll say no worries as long as I pay the fee.
tantrum.gif

laugh.gif
- Just get her the supplementary card!

$0 annual fee all linked back to your card, but you can see what she spends as it's listed on a separate page.

There is/was some bonus points for getting additional card-holders, either 5000 or 10,000 points from memory.

Suddenly lots of my friends needed cards
tongue.gif
Although they never got them
laugh.gif
 
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cin

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just to add, although many merchants charge a hefty fee to use the Amex I was presently surprised to find bunnings don't, so as much as I hate friggen bunnings, they will see a good chunk of my turnover for the next 7 months (until visa points start accumulating again)

and also to add, bludy visa this year decided to reduce my maximum points earnt per year from 100,000 to 75,000, a55holes!
 

cin

Old n' Crusty
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laugh.gif
@ Julia and the credit cards for her friends!

with the shoe and handbag fetish my missus has I definitely WONT be getting her an additional card on my account. Atleast not one she knows about.
biggrin.gif
 
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Julia Gillard

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cin said:
just to add, although many merchants charge a hefty fee to use the Amex I was presently surprised to find bunnings don't, so as much as I hate friggen bunnings, they will see a good chunk of my turnover for the next 7 months (until visa points start accumulating again)

and also to add, bludy visa this year decided to reduce my maximum points earnt per year from 100,000 to 75,000, a55holes!

Yes the Commonwealth Bank VISA/Mastercard is worthless for point earning now at 0.5 points per $1 for Qantas....

As for surcharges, majority of places don't!

Those that do, rarely get a return visit from me as well!
 
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Julia Gillard

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Hmmm

Amex - No as above
tongue.gif


Commonwealth Platinum has some interesting comments about what is NOT included

"you being under the influence of liquor or drugs" - So a glass of wine with lunch then a ski accident???

laundering (including washing, ironing and dry cleaning) whether by professional persons or otherwise; - WTF?

your mountaineering or rock climbing (if you need to use climbing equipment, ropes or guides), white water rafting or boating, abseiling, bungy jumping, pot holing, running with the bulls, caving or tobogganing; - No tobogganing..... Damn

your participation in any kind of professional sport - Skiing is totally out then!

‘rental vehicle’ means a rented sedan and/or station wagon (but does not include any other style of vehicle) rented from a licensed motor vehicle rental company. - No 4WD's = EPIC FAIL


MASSIVE EPIC fail to the Comm Bank policy
 
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Julia Gillard

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Yeh the joys of interpreting travel insurance policies!

Not a fan of anything that is "open to interpretation"
 

'H' Jones

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Julia Gillard said:
If you spend about $10k a year or more, the annual fee should discounted for next year
smile.gif

Hmm, I've never gotten that, and I spend well over 6 figures a year as well
frown.gif

Annnnnnddddd I've been a member for 15 years or so.......little buggers !
 
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Julia Gillard

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'H' Jones said:
Julia Gillard said:
If you spend about $10k a year or more, the annual fee should discounted for next year
smile.gif

Hmm, I've never gotten that, and I spend well over 6 figures a year as well
frown.gif

Annnnnnddddd I've been a member for 15 years or so.......little buggers !

frown.gif


Only takes about 10 minutes of time as well, well worth it for $900 saving!

You have to deal with the "cancellations" department though

Also worth ringing them not happy about promotions from time to time when you are not targeted for them for an easy 10-30k of points
wink.gif
 
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cleeshoy

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Julia Gillard said:
'H' Jones said:
Julia Gillard said:
If you spend about $10k a year or more, the annual fee should discounted for next year
smile.gif

Hmm, I've never gotten that, and I spend well over 6 figures a year as well
frown.gif

Annnnnnddddd I've been a member for 15 years or so.......little buggers !

frown.gif


Only takes about 10 minutes of time as well, well worth it for $900 saving!

You have to deal with the "cancellations" department though

Also worth ringing them not happy about promotions from time to time when you are not targeted for them for an easy 10-30k of points
wink.gif

yup i actually have a reminder in my diary to call them every year to say i want to cancel my card ....havent paid an annual fee for damn long time :)
 
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cleeshoy

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CarveMan said:
Anyone know if CC insurance covers heliskiing?

If not which one does?

Need it for NZ and Alaska.

CM - I don't know of any CC insurance that does cover heli-skiing. Out of curiousity, I took a look at a few travel insurance websites and none of them covered heli-skiing
frown.gif

Mind you I did only quickly browse so it was not a very thorough check.
 
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cleeshoy

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Apologies for reviving this thread...

I actually spoke to the underwriters of Amex platinum Charge card travel insurance because in the PDS it mentions the following....

Exclusions under Medical Emergency Expenses Cover
Cover does not extend to any loss caused or contributed to by:
2. Participation in Special Sports, extreme sports where special equipment, training and preparation are required.


Whilst there is a definition for 'Special Sports' (skiing/snowboarding is not mentioned), there is no definition for "Extreme sports" in the PDS. Speaking to the underwriters/insurance ppl, etc they said they have a list of extreme sports which actually includes "off-piste" skiing...hmmm interesting! When I challenged them on why this definition is not in the PDS they didn't really have an answer. They did say that if a person did make a claim and they mentioned they were skiing "off-piste" - it would be treated in a "case by case basis". The fact that a definition for "extreme sports" is not even in the PDS is a bit strange. It would interesting to see if a claim went to dispute or the Financial Ombudsman.

Bottom Line:
Amex platinum Charge card travel insurance is a bit vague for off piste skiing. Personally I am going to look at other insurance options.
 
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trappers

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I think you will find the same applies for every travel insurance company. I looked at this prior to my Canada trip. In the end I decided to stay with my AMEX insurance, as there were no real benefits for going with someone else.
 

cleeshoy

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trappers said:
I think you will find the same applies for every travel insurance company. I looked at this prior to my Canada trip. In the end I decided to stay with my AMEX insurance, as there were no real benefits for going with someone else.

Are you sure? I believe Suresave and snowinsurance.com.au cover off-piste skiing....for me thats a BIG benefit knowing that I am insured. I would rather have all my questions answered in satisfactory manner then taking the approach of "I will worry about if I have an accident and need claim".

Alarm bells start ringing for me when something could be open to interpretation. Being injured in the USA/Canada could be an expensive exercise especially if the insurance company has the ability to "get out" of a claim.
 
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smitty484

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Pretty sure suresave don't cover off-piste, well they didn't when I emailed last year. BUT the add-vantage package from toursafe, through travelinsurance.com.au DOES cover off-piste and guided backcountry. I have written email confirmation that they do, but I recommend anyone considering it gets their own confirmation.
 

skiflat

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cleeshoy said:
Apologies for reviving this thread...

I actually spoke to the underwriters of Amex platinum Charge card travel insurance because in the PDS it mentions the following....

Exclusions under Medical Emergency Expenses Cover
Cover does not extend to any loss caused or contributed to by:
2. Participation in Special Sports, extreme sports where special equipment, training and preparation are required.


Whilst there is a definition for 'Special Sports' (skiing/snowboarding is not mentioned), there is no definition for "Extreme sports" in the PDS. Speaking to the underwriters/insurance ppl, etc they said they have a list of extreme sports which actually includes "off-piste" skiing...hmmm interesting! When I challenged them on why this definition is not in the PDS they didn't really have an answer. They did say that if a person did make a claim and they mentioned they were skiing "off-piste" - it would be treated in a "case by case basis". The fact that a definition for "extreme sports" is not even in the PDS is a bit strange. It would interesting to see if a claim went to dispute or the Financial Ombudsman.

Bottom Line:
Amex platinum Charge card travel insurance is a bit vague for off piste skiing. Personally I am going to look at other insurance options.

Yes I always thought off-piste was not covered.

As for a "case by case" basis that is UNACCEPTABLE

Fact is there is no mention in the PDS about not being covered and they would be screwed if you lodged a case with the FIO.

But in the mean time you have had to pay the $100,000 for medical bills and then hope the FIO will bail you out.
 
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skiflat

Old n' Crusty
Aug 10, 1999
37,433
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cleeshoy said:
Apologies for reviving this thread...

I actually spoke to the underwriters of Amex platinum Charge card travel insurance because in the PDS it mentions the following....

Exclusions under Medical Emergency Expenses Cover
Cover does not extend to any loss caused or contributed to by:
2. Participation in Special Sports, extreme sports where special equipment, training and preparation are required.


Whilst there is a definition for 'Special Sports' (skiing/snowboarding is not mentioned), there is no definition for "Extreme sports" in the PDS. Speaking to the underwriters/insurance ppl, etc they said they have a list of extreme sports which actually includes "off-piste" skiing...hmmm interesting! When I challenged them on why this definition is not in the PDS they didn't really have an answer. They did say that if a person did make a claim and they mentioned they were skiing "off-piste" - it would be treated in a "case by case basis". The fact that a definition for "extreme sports" is not even in the PDS is a bit strange. It would interesting to see if a claim went to dispute or the Financial Ombudsman.

Bottom Line:
Amex platinum Charge card travel insurance is a bit vague for off piste skiing. Personally I am going to look at other insurance options.

I received a letter today from Amex about my Plat CREDIT card, as they are changing to Virgin Blue for the free domestic flight.

My point being they also said that from the 1st of October ACE Insurance will be providing the travel insurance etc on this card instead of AXA.

Who does the Plat Charge card use again ? AXA or ACE ?
 
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cleeshoy

One of Us
Jul 7, 2007
1,035
0
186
Melbourne
Changing to Virgin? Interesting.......I prefer Qantas myself......My qantas ultimate card is going to stick with qantas I reckon ;-)

Okies the platinum charge card travel insurance details are split....

For Medical Emergency Expenses Cover, Resumption of Journey Cover, Baggage,
Money and Documents Cover and Travel Cancellation Cover, please contact AXA
for assistance. For all other cover, please contact ACE for assistance.
 
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skiflat

Old n' Crusty
Aug 10, 1999
37,433
1,502
1,063
Yep for all the Platinum Credit card holders and anything except the Qantas branded but Amex issued cards

I wonder if ACE insurance will take over the Platinum CHARGE card insurance then ???

They may be clearer on off-piste then!

Wait and see I guess!!!!
 
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