I think I pay a little bit less than 100e for my travel insurance per year from Tapiola (covers max 3month long trips). What additional stuff you get with extra 450e you spend on AMEX plat?

I'v AMEX Gold, MC Gold and S Visa. All "free" (except see my previous post about AMEX) and would not pay for any of them since I don't see any extra value in them. But maybe I've overlooked something useful?