Booked a flight through Amex PCS today (first time and they had the best price!)

Spoke to Insurance and they said that the travel insurance applied (ie sports cover, repatriation, doctors, etc etc) no matter what card was being charged but that the inconvenience package (money for delayed/lost luggage, delayed flights, etc) applied on ly when the charge was made on the Platinum Card.

That's what I thought.