Originally Posted by
Raffles
Plus you get the 'you can decline ALL car hire insurances' benefit with Amex Plat, which you won't even get with normal travel insurance.
Yes, I've used this several times, especially in the US and Canada.
This insurance is valid when outside your country of residence, or within your country of residence involving either a flight or prebooked hotel reservation. This covers pretty much all possibilities except staying with friends or family.
Another advantage of the AmEx Plat policy: cover is available for all under 80. That is a significant advantage for family members who are pensioners as premiums for them can be costly elsewhere.