HI
Did you get your Silver XP Points credited? I downgraded from Platinum to Silver in October and noticed that 15XP points never landed. I called an Agent today, she mumbled something about the rules had changed, and as I had downgraded the 15XP points would be credited at the end of the year. She said if I went back to Platinum the 60XP points would probably hit my account the following month.

Is anyone aware of any rule changes as I am sure earlier in this thread a few people have mentioned downgrading, getting points for Silver, then Gold then Platinum each time they upgrade...........or have I just been fobbed of and I should have still received 15XP at the start of my year?

AMEX KLM Insurance policy.

1. Did AMEX inform members that in 2020 alone, the policy has been changed twice. If so how did they inform us? How do we find out what has changed?
2. Did you know that since 20 March 2020 (or so) the insurance policy has been suspended (pandemic) for all travel unless considered essential?
3. Is it ethical to charge members for the full yearly card fee, without including the complete insurance package as advertised?

I am aware that we should all read the terms and conditions of the policy. But, what a mess it is.

100% agree with you. Although they did send out a message stating the change... it still is a terrible move and a cheap one for a card that costs 600� a year.

This change was the last straw for me. As it stands, AXA has been worse and worse over the past few years. First they limited (only realized by reading the fine print) coverage on award tickets to AFKL... so if you had an award ticket on say, LH, you were not covered, though they usually didn't realize because the taxes and fuel surcharges made it seem like a revenue ticket ;-) Now this... it's ridiculous.

I am cancelling my AFKL Platinum card once I use all of the Carrefour/Darty 50� offers... and I will be telling them (I don't think they care) that that was last straw.

I agree with you. Slowly and surely they are eviscerating the benefits of a very expensive card. Disappointing indeed.

I'm curious about point #2. If that is true I am not going to be happy. That wasn't my understanding... when I called them to ask about travel they never mentioned that travel had to be essential. They have always said Covid-related illness etc would be covered and that the only situations that were not covered were where the French Ministry of Foreign Affairs had issued a travel warning.

This must be the French card, right? I just checked the current Ts&Cs for the Dutch card and while they changed in September, nothing about essential travel or any suspension of any sort.

Yep.

About point 2, where did you read that? I cannot find it in the "Conditions G�n�rales des Assurances et Assistances au 01/04/2021 Carte AIR FRANCE KLM - AMERICAN EXPRESS PLATINUM"

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.

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.

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.

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=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?

[QUOTE=bostontraveler;33181120]Correct, but let me rephrase the entire thing:
It applies to the AMEX KLM card (Dutch version of FB AMEX).
I had called AMEX to enquire about a specific item. The answer was clear but not exactly the same as what I was told by AXA. Thus I emailed the claim department and asked for a clarification.
The entire conversation was professional and didn't leave me with a bad feeling towards AXA, on the contrary, the person I spoke to knew the rules, but he has no responsibility for the T&C nor for communication. I also need to emphasize that dealings with AXA in the past, always were professional and that that company actively helps to find solutions when needed. I must admit that I didn't run to check my version of the policy (Platinum card) but I understood that:

1. During pandemics (like we have at the moment ) the entire policy is suspended for travel cover unless the travel is deemed essential, such as death in the family etc.
2. I also learned that in 2020 there were two updates to the terms, of which I have never been informed. I have no idea what has changed.

This is an issue that affects all AMEX cardholders. AMEX seems to say that, per the same contract, clients should be aware of the of the latest T&C.
In my not-so-humble-opinion AMEX should behave like other "banks" and communicate timely, completely and correctly any change to T&C to its clients, preferably explaining each change that has been made. I also note that although the yearly fee (EUR170 for Gold and EUR600 for Platinum) is a package deal that includes an insurance premium and i find the difference between Gold and Platinum hard to explain, especially because quite a number of classic AMEX advantages do not apply.

The is very interesting, last year when the ZA government decided one must have a travel insurance and BA decided to check it like crazy (KL didn't care, but I didn't want to take any chances), I asked AXA for a confirmation of my insurance, and I received the following:
I was never asked if my 'trip' is essential or not, and furthermore the letter specifically stated they also cover COVID-19.
Of course the letter refers to the T&Cs multiple times, but I wouldn't have expected them to issue such a letter if in fact they consider the policy to not be valid.