Because you deserve clarity before you go skiing in Switzerland or sipping smoothies in Santorini. If you’re forking out £650 a year for a metal rectangle that sets off airport security, you might as well know what you’re getting in return. Travel insurance is one of the juiciest perks baked into the Amex Platinum Card- but most people have no idea what’s actually covered. Let’s break it down.
In This Post
Who’s Covered?
- You, the cardmember, obviously
- Your partner/spouse (yes, even if they don’t have their own card)
- Kids under 25 – as long as they’re your dependents and not backpacking to Bali forever
- Supplementary cardholders and their immediate family, too (worth it if you travel as a squad)
WingTip: To trigger most of the cover, you must pay for some of your travel with the Platinum card. Don’t skip this step, or you’ll be travelling naked (insurance-wise).
What’s Covered (The Good Stuff)
Emergency Medical Cover
- Up to £10 million. Yep, million.
- This includes hospital stays, ambulance rides, and even emergency dental care.
- COVID treatment is covered, which is the 2020s trauma we’re still carrying.
Trip Cancellation & Interruption
- Up to £7,500 per person
- Covers illness, injury, redundancy, and even death in the family (morbid but helpful)
- Bad weather, strikes, volcano tantrums – all potentially covered
Delayed Flights
- More than 4 hours late? You can claim up to £200.
- Includes delays due to weather, technical issues, or the airline being allergic to punctuality.
Lost, Damaged or Delayed Bags
- Lost or damaged? Covered up to £2,000 per person
- Valuables get £750
- Bags delayed? £300 to go buy new pants and toothpaste
Car Hire Insurance
- No need for dodgy upsells at the Hertz counter
- Covers damage, theft, and liability in most countries
- As long as you booked the car with your Amex (obviously)
What’s Not Covered (The Buzzkill Section)
- Pre-existing medical conditions (unless pre-approved)
- Extreme sports (unless you’re covered under their list of accepted ones)
- Long trips over 90 days
- Travel paid fully on another card (don’t play yourself)
- Residents outside the UK
WingTip: Planning to do something stupid on holiday? Check the policy. Not everything adrenaline-fuelled is covered.
How to Claim (When Things Go Sideways)
- Head to the Amex Platinum Travel Insurance Centre or call the AXA line
- Keep your receipts, reports, and proof – basically everything but your boarding pass tattoo
- File ASAP (within 28 days of returning is ideal)
So, Is It Any Good?
Honestly? Yes. It’s one of the most comprehensive travel insurance packages bundled with a UK credit card. You could almost ditch standalone insurance entirely. Almost.
As long as you:
- Book your trip with your Amex
- Don’t try heli-skiing in the Himalayas without checking coverage
- Keep your travel under 90 days
-you’re golden.
WingTip: Download or print the full policy docs before your trip. Because nothing says “I’m responsible” like a 47-page PDF in your carry-on.
Want More?
Thinking of getting the Platinum Card? Read our full review here. Want to see if you can claw back that £650 annual fee? We did the maths [so you don’t have to].
