American Express in Finland - 2020 and onward
Dec 14, 2023, 5:04 am
#497
Join Date: Aug 2010
Programs: AF Platinum/AY plat/SK EBG/LH SEN/HYATT Globalist/MR LTP/A3 *G/HH Dia/IHG plat
Posts: 8,369
Amex is having another 50000 points referral campaign, just FYI as someone here was asking earlier. If anyone needs a referral happy to help with a DM or on my profile. I dont think referral links are allowed in posts here but not sure 
Dec 14, 2023, 2:48 pm
#498
Join Date: Jan 2011
Location: Europe
Posts: 1,604
Great advertisement for Amex insurance:
https://www.hs.fi/kotimaa/art-2000010058536.html
Usually there is a lot more to these stories but i have always considered these credit card travel insurance as a "toy insurance". Insurance companies as a whole are of course scum of the earth when you are trying to get reimbursed for other than some broken phone screens or similar few hundred or thousand euro matters..
https://www.hs.fi/kotimaa/art-2000010058536.html
Usually there is a lot more to these stories but i have always considered these credit card travel insurance as a "toy insurance". Insurance companies as a whole are of course scum of the earth when you are trying to get reimbursed for other than some broken phone screens or similar few hundred or thousand euro matters..
Dec 14, 2023, 10:54 pm
#499
Join Date: Aug 2010
Programs: AF Platinum/AY plat/SK EBG/LH SEN/HYATT Globalist/MR LTP/A3 *G/HH Dia/IHG plat
Posts: 8,369
Great advertisement for Amex insurance:
https://www.hs.fi/kotimaa/art-2000010058536.html
Usually there is a lot more to these stories but i have always considered these credit card travel insurance as a "toy insurance". Insurance companies as a whole are of course scum of the earth when you are trying to get reimbursed for other than some broken phone screens or similar few hundred or thousand euro matters..
https://www.hs.fi/kotimaa/art-2000010058536.html
Usually there is a lot more to these stories but i have always considered these credit card travel insurance as a "toy insurance". Insurance companies as a whole are of course scum of the earth when you are trying to get reimbursed for other than some broken phone screens or similar few hundred or thousand euro matters..
Wow not good...
Ive had mainly positive outcomes with amex insurance. My only bad experience was with a broken phone, funny enough AXA finland denied but AXA uk paid based on another card so all is well. I never use ax insurance as my primary but as a suplemantary insurance.
Dec 16, 2023, 2:00 am
#501
Join Date: Aug 2010
Programs: AF Platinum/AY plat/SK EBG/LH SEN/HYATT Globalist/MR LTP/A3 *G/HH Dia/IHG plat
Posts: 8,369
Great advertisement for Amex insurance:
https://www.hs.fi/kotimaa/art-2000010058536.html
Usually there is a lot more to these stories but i have always considered these credit card travel insurance as a "toy insurance". Insurance companies as a whole are of course scum of the earth when you are trying to get reimbursed for other than some broken phone screens or similar few hundred or thousand euro matters..
https://www.hs.fi/kotimaa/art-2000010058536.html
Usually there is a lot more to these stories but i have always considered these credit card travel insurance as a "toy insurance". Insurance companies as a whole are of course scum of the earth when you are trying to get reimbursed for other than some broken phone screens or similar few hundred or thousand euro matters..
Looks like amex responded now
https://www.iltalehti.fi/ulkomaat/a/...d-0c4c03698faf
Perhaps they will make some changes based on feedback
Dec 16, 2023, 2:02 am
#502
Join Date: Aug 2010
Programs: AF Platinum/AY plat/SK EBG/LH SEN/HYATT Globalist/MR LTP/A3 *G/HH Dia/IHG plat
Posts: 8,369
About 6 years ago they had a different insurance company, I made a claim about a bag that the insurance denied, complained to amex and 3 hours later claim approved 🤷♂️🤣
But axa seems a difficult company to deal with for sure
But axa seems a difficult company to deal with for sure
Dec 16, 2023, 2:09 am
#503
Join Date: Nov 2013
Location: HEL
Programs: AY, SK, TK
Posts: 7,704
Looks like amex responded now
https://www.iltalehti.fi/ulkomaat/a/...d-0c4c03698faf
Perhaps they will make some changes based on feedback
https://www.iltalehti.fi/ulkomaat/a/...d-0c4c03698faf
Perhaps they will make some changes based on feedback
btw I thought for a while but will not take amex after all since I got the OP plat anyhow after manual intervention. But it was troublesome likewise bad publicity I say for OP. Anyhow, too great benefits to pass for a free campaign year
Dec 30, 2023, 3:00 am
#504
Join Date: Oct 2019
Posts: 93
Amex Experiences or lack there of!
Thought it would be useful to share my latest dealings with AXA/Amex plat insurance.
So my luggage was delayed for 48h from the time of landing at destination to time it was delivered to my hotel address, and AXA/Amex promises upto 800 credit for buying essential/clothes during this time before you actually have your luggage delivered.
I had the experience of this benefit once used back in 2022 and it worked smoothly and I just purchased some pairs of shirts and trousers and AxA paid no questions asked within a week.
So I was pretty confident that this time would be the same, boy I didnt factor in new enhancements!
Long story short, whether you spend 100 or their promised 800, AXA passes the buck to the airline for compensation/decline of it, in which case they would allow any claim to be directed at them to be examined(why airline declined, etc).
So in reality, your communication line to your airline, your status with them, and generally the way they treat you is more worthy of concentrating and investing than spending 75% your travel costs on Amex with ridiculous FX and MR rates to make you qualify for their unreliable insurance to then be out of pockets for months not to mention all the paperwork and document gathering.
So my luggage was delayed for 48h from the time of landing at destination to time it was delivered to my hotel address, and AXA/Amex promises upto 800 credit for buying essential/clothes during this time before you actually have your luggage delivered.
I had the experience of this benefit once used back in 2022 and it worked smoothly and I just purchased some pairs of shirts and trousers and AxA paid no questions asked within a week.
So I was pretty confident that this time would be the same, boy I didnt factor in new enhancements!
Long story short, whether you spend 100 or their promised 800, AXA passes the buck to the airline for compensation/decline of it, in which case they would allow any claim to be directed at them to be examined(why airline declined, etc).
So in reality, your communication line to your airline, your status with them, and generally the way they treat you is more worthy of concentrating and investing than spending 75% your travel costs on Amex with ridiculous FX and MR rates to make you qualify for their unreliable insurance to then be out of pockets for months not to mention all the paperwork and document gathering.
Dec 30, 2023, 1:16 pm
#505
Join Date: Nov 2013
Location: HEL
Programs: AY, SK, TK
Posts: 7,704
This insurance circus is one key reason I left them and not taken new card since then.
For me a marketed benefit is a true benefit only and only when it is delivered troublefree. A hassle benefit which u need to spend an effort to get is a nuisance and a negative benefit actually
For me a marketed benefit is a true benefit only and only when it is delivered troublefree. A hassle benefit which u need to spend an effort to get is a nuisance and a negative benefit actually
Dec 31, 2023, 6:57 am
#506
Join Date: Sep 2019
Location: Traveling
Programs: Marriott Platinum, Hilton Diamond, BA Gold, IHG Diamond Ambassador
Posts: 114
As a UK plat holder I have to say I'm very impressed by Pier Zero. What a nice environment and excellent food. Having recently fallen to Sapphire, this has made my long wait for the HKG flight later tonight a little nicer!
Jan 3, 2024, 4:42 am
#507
Join Date: Oct 2022
Location: HEL
Programs: AY Plat, HHonors & Bonvoy Gold
Posts: 5
Apparently, the 400 dining credit for Finnish cards (200 for domestic use and 200 for use abroad) has been discontinued since the beginning of 2024. Replaced by adding a few more extra "Dining by AMEX" occasions for the year (6 instead of 3). Quite a big downgrade, considering the rising monthly fees.
Last edited by tieturi; Jan 3, 2024 at 5:59 am Reason: Added the amount of Dining benefits
Jan 3, 2024, 4:49 am
#508
FlyerTalk Evangelist
Join Date: Jan 2008
Location: HEL
Programs: lots of shiny metal cards
Posts: 14,283
Apparently, the 400 € dining credit for Finnish cards (200 € for domestic use and 200 € for use abroad) has been discontinued since the beginning of 2024. Replaced by adding a few more extra "Dining by AMEX" occasions for the year. Quite a big downgrade, considering the rising monthly fees.
The website is inconsistent about The Dining by Amex. At one point it says 3x, at another 6x
As long as I have AY Plat or Gold (and especially some *A and/or ST status on top) it makes no sense for me. With free Dragonpass lounge is $28/visit
Last edited by WilcoRoger; Jan 3, 2024 at 4:55 am
Jan 3, 2024, 5:55 am
#509
Join Date: Aug 2010
Programs: AF Platinum/AY plat/SK EBG/LH SEN/HYATT Globalist/MR LTP/A3 *G/HH Dia/IHG plat
Posts: 8,369
Apparently, the 400 dining credit for Finnish cards (200 for domestic use and 200 for use abroad) has been discontinued since the beginning of 2024. Replaced by adding a few more extra "Dining by AMEX" occasions for the year. Quite a big downgrade, considering the rising monthly fees.
I am holding on til March but then its time to decide
Jan 3, 2024, 6:59 am
#510
Join Date: Jan 2011
Location: Europe
Posts: 1,604
Apparently, the 400 dining credit for Finnish cards (200 for domestic use and 200 for use abroad) has been discontinued since the beginning of 2024. Replaced by adding a few more extra "Dining by AMEX" occasions for the year (6 instead of 3). Quite a big downgrade, considering the rising monthly fees.