We have American Express Platinum travel insurance with Chubb, which we have had for many years. We have never had to use it until this year when one of our children sustained a very extensive leg fracture overseas requiring emergency treatment at home. We had quite a substantial claim and this was after many companies refunded accomodation etc. We worked extensively for 3 months from get refunds from Qantas (who made our life very difficult even though we are high tier members and we will never fly again with them) Chubb has a very convoluted way of getting around refunds vs forfeits with regards to flights, and your claim will be impacted. Ultimately we are out of pocket $4500. Don't try too hard to get refunds like we did and spent months and probably 20 hours of time on the phone chasing. Do the basics as spending many hours doing this will not benefit your claim (or time). You have no direct contact with the person doing your claim, (even though I have an email informing me that I would be assigned a case support) it is very impersonal and it takes a long time for them to respond to you.
Transport to /from injury (personal) tourist area should include pedal.
Difficult to get claim for overseas travel issues like stolen goods.
I am aware of better companies out there.
It is easy to get in touch with the friendly staff.
This is the best and most comprehensive insurance for me at a fraction of the cost! I used to buy travel insurance for every trip overseas - between $400-600 added to the cost of every trip for my employer. Then I discovered AMEX Annual Comprehensive travel cover and suddenly for a little under $400 per year I have better cover for every trip, no matter how many times I travel in the year! Easy online signup and automatic renewals. I've been a customer for three years now and very happy. My policy covers me for all the places I need to travel (USA & Canada, UK & Europe, Asia etc). Best insurance decision I ever made.
When booking your world holiday and paying by american express platinum you can enjoy your trip knowing that wherever you are american express is only a phone call away with a can do attitude.
AMEX provides great service and benefits and travel insurance is but one example.
I found them uncomplicated and easy to use over the internet.
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