Originally Posted by itsme
I'm not sure why you qualified what you said with "in certain US cities." I should think what would pertain would be federal, not state, and least of all municipal law. That aviation lawyer who along with his daughter missed a skiing vacation in Colorado because CO bumped him did succeed in a NY state court last year against the carrier, but it was somewhat exceptional that he could bring an action in the state court.
Do you some basis for suggesting that should one "fall out of the sky on a mileage award ticket and perish you don't have travel insurance"? It would matter if the plane were going JFK to LAX vs LAX to JFK or between some other intercity or interstate airports? I ask because I am not sure, and maybe where the question is one of insurance law the result might be different from one place to another.
Is there anyway to insure against loss when traveling on an award ticket? I'd like to know especially before we do so on especially valuable tickets for a long trip.
My post is regarding travel and accident coverage only on Award travel and seeking coverage through Amex.Anyone can sue a carrier.But there are no guarantees that the family will get a nickle
To be clear every state and underwriter has a different policy with each CC The only thing I can tell you is that years ago I challenged American Express after what I thought was bogus conflicting information from their customer service.
I took it up to Executive Headquarters for further clarification and sure enough CS had been trying to sell me supplemental award travel insurance in the state of NY
that has no coverage 
It is available through Amex but only in certain states.
Last I was aware there was a fee to be covered.
Just paying the annual fee only gets you revenue ticket coverage
Many folks are sadly not informed on these topics
Diners Club (and I don't want to promote that Titanic Card program as of late) covers ALL Award travel even if the charge never bills on the card.
But I haven't checked as of late to see if that has changed.
A number of Visa and MC also have coverage.
Check with the Underwriter of the policy directly if this matters to you !
And be clear with your questions.
And get it in writing!