Originally Posted by nacho

If AMEX reimburses you - good for you - If I were you, I'd read the fine print and write to their claims department to verify if it's really true that you can turn down the offer from an airline and booked yourself into a more fine hotel. Insurance companies are known to be sketchy and every time we switch provider we have to read 16 pages of fine prints to find out what they really cover. Despite reading this we still had to go through consumer protection agency to get one of our claims through.