[QUOTE=emviflyer;33180925]No, i wrote about AMEX KLM.
I was informed by AXA today that the T&C contain an exception "pandemic" and that thus since March last year the insurance was suspended except for essential travel.[/QUOTE

Let me rephrase. .

So, you learned of a change to the terms of an insurance policy only after writing to your insurer? (Led me guess, via a letter since they, and Amex don’t have email or social media yet (!!)....

That insurer never wrote to you to inform you of changes to the policy?

I don’t doubt you but if that is true it would seem at the absolute limit of legality (not to speak of ethics)...A major exception that essentially nullifies benefits based on a subjective standard that was never communicated?