FlyerTalk Forums - View Single Post - Use Aeroplan for award flights? AMEX cards do not cover you for insurance
Old Dec 1, 2017 | 6:49 am
  #25  
longtimeflyin
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Join Date: Mar 2017
Programs: AC
Posts: 2,167
Originally Posted by mapleg
I would not bet the farm on what an employee says over the phone, especially in regards to insurance matters.

Caveat emptor.
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PART 1 – FLIGHT DELAY, TRANSPORTATION EXPENSE & ENTERTAINMENT EXPENSES
FLIGHT DELAY/MISSED CONNECTION
The Company will reimburse the Cardholder for Reasonable Living Expenses incurred during the period of flight delay/missed
connection subject to an Aggregate Limit of $1,000 (maximum $500 per Insured Person) provided that:
a) The Full Fare for the delayed flight was charged to the Card or was obtained through the redemption of points from the Card
travel reward program;
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PART 3 – LOST OR STOLEN CHECKED BAGGAGE
The Company will reimburse the Cardholder up to an Aggregate Limit of $2,500 (maximum $1,000 per Insured Person) for
direct physical loss or damage of an Insured Person’s baggage and the personal property contained therein when the baggage
is checked with a Common Carrier or carried by the Insured Person on a Common Carrier.
Also, the Full Fare for travel in or on the Common Carrier must be charged to the Card or obtained through the redemption of
points from the Card travel reward program.
This coverage shall be excess to all other insurance or indemnity available to the Insured Person.
Payment is based on the actual replacement cost of any lost or stolen article provided the article is actually replaced – otherwise,
payment is based on the actual cash value of the article at the time of loss.
TO CLAIM FOR BENEFITS, as described in Part 3, the following must be submitted to the Company:
a) A copy of the travel agent’s invoice/itinerary, or a copy of the account statement on which the Full Fare expense appears,
showing Your Card as method of payment or showing it as a free ticket obtained through the redemption of points from the
Card travel reward program;

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No need to trust the insurance agent, it's directly in the insurance certificate details.
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