Questions and Answers

Hi —
In April I am taking a trip to London with my spouse and two kids.
I bought tickets with my new Amex Plat card.
I have a few questions:

1) Pls confirm that the built in Plat travel insurance doesn’t include travel cancellation or travel delay benefit?

2) I also have a Prestige Card. I read in the terms:

To be eligible for coverage under this benefit, your Citi card and/or ThankYou® Points must be used to purchase at least a portion of the Trip. In the event of partial payment, we will only reimburse the lesser of the actual amount paid for with your Citi card (including ThankYou® Points) or the maximum coverage per Trip.

I don’t understand the terms. What does this mean.

Here’s what I’m thinking of doing. I paid , with Plat, a $189 for Economy Plus. I can move back to coach and get that refunded and then I can pay again — with Prestige.

Will that work for me to get coverage via Prestige?

3) Is there any reason for me to spend $150 to get independent travel insurance?

Thank you!

While I’m not sure what the Platinum travel insurance does cover, if you make the change and charge it to the Citi card then Citi will only cover the $189 (which is the lesser of the total and the amount paid with your Citi card) so I’m not sure what benefit that would be to you.

As for travel insurance, it all depends on how important this trip is to you. $150 is pretty cheap if it is covering your air, hotel and ground transportation.