It's a benefit...but J379pa, did you read the whole letter? The argument in the Ombudsman column was that Amex refused to pay for many of the evacuation costs (this was eventually resolved).

I have never read all the T&C's of this benefit, but it seems to me from the content of the CNT letter, that if the idiot who answers the phone at Amex thinks the cardholder is in a country where the treatment is fine, you're screwed. I'm sure that a lot of countries in this care have comparable or better care than the US, but I'd rather be home if I have to have anything done.