Originally Posted by
Goldorak
About the need to pay your trip with Amex to benefit from the insurances, what will happen with the vouchers emitted by airlines ? Let's take the following example :
- in january 2020, you buy a ticket with AFKL CDG-JFK for travel in may 20. This ticket is paid with AFKLFB Amex
- this flight is cancelled by the airline and the customer has accepted a voucher
- a few months later, you buy a new ticket with AFKL for CDG-DXB for travel end 2020 and you pay using the voucher.
Is the DXB ticket still considered paid with Amex, so can you benefit from the insurances ?
Those were the exact questions I have been wondering for more than a month now and also the reason I insisted towards AF/KLM to get a cash refund rather than a voucher. Amex T&C are clear : You need to
fully pay your ticket with the Amex or FB miles (or MR points depending on the card). If you don't fully pay your ticket with the credt card, then the insurances will NOT trigger. Amex (actually AXA) confirmed this to me on the phone. Now if you make a new booking with your voucher, it will appear in the eticket receipt as a mean of payment and the insurance will deny any claim, even if the issued voucher was generated following a cancelled flight paid via Amex. Same goes for the paperplane gift cards sold on the AF website which sometimes come with a bonus and which you can pay with an Amex.
I even proposed AF/KLM to pay for a full year of travel insurance equivalement to an Amex Gold (not as good as platinum) product with AXA for instance. This costed 280 Euros per passenger for the year, and I even offered them the possibility to give me those 280 Euros as... an AF/KLM voucher ! By doing so, I would accept to withdraw my rights of asking a full cash refund for the multiple amex bookings with cancelled flights. They indeed refused. And therefore, I cancelled my Amex Platinum card because the insurances will basically be useless as I would anyway pay for my future flights with a voucher making the Amex insurance void.