Originally Posted by
beep88
Wording on baggage delay insurance is less stringent . For trip cancellation and trip interruption insurance:
"Note: Trips will not be covered for Trip Cancellation, if purchased with points from a reward program other than the Membership Rewards Program."
So one may argue that for OTHER travel-related insurance, trips redeemed through other points programs may be covered. And there are numerous reports that reward flights are covered for delays. YMMV.
The flight and baggage/hotel burglary insurance requires the "Full Fare" of the air ticket be charged to the Amex The Platinum card or through redemption of the "Card" reward programme.
Both "Full Fare" and "Card" are defined terms in the policy.
"Full Fare - means 100% of the airline ticket price, including taxes, was charged to the card.
Full fare is extended to include airline tickets obtained through the redemption of points from the
card reward program when applicable taxes have been charged to the
card. Full fare is also extended to include free hotel/motel stays obtained through the redemption of points from the card reward program."
"Card -means The Platinum Card®,American Express® AeroplanPlus®* Platinum Card, or The Business Platinum CardTM from American Express."
However, the way I read the "key words" being 100% of the air ticket price. Part of the air ticket is in effect paid with points of a FF programme, only the taxes and scam charges are paid by the Card. Therefore, not 100%.
I have also seen posts here that claims of flight/baggage delays when travelling on an airline FF programme reward tickets had been successful.
Personally, I do not want to risk and always use my CIBC Aerogold to pay for the taxes and scam charges because CIBC Aerogold (and now the new TD Aeroplan Infinite/Privilege Visa also) is very specific about inclusion of the insurance coverage when travelling on FF points. In my case, Aeroplan.
YMMV.
