American Express covid insurance, how to get the certificate before a trip
If we go, particularly at this time, abroad on a trip and are asked to present a certificate [...]
If we go, particularly at this time, abroad on a trip and are asked to present a certificate stating that we have health insurance, we need to remember that our credit card, especially if it is a Platinum American Express, already contains a significant and completely free insurance package.
In this article:
In this article we explained in detail to the difference between the insurance coverages of Amex Gold with the more exclusive Platinum. To get an idea of the savings, for my 3-week stay in Thailand the best deal I had found, with significantly lower coverages, cost no less than 150€, because I was traveling alone. The same trip with wife and daughter would have cost me almost 300€ in insurance, an expense alone worth half the annual fee of the Amex Platinum.
How to get the certificate from Amex
In the past few days I have applied for my certificate necessary to proceed with the COE application to travel to Thailand and necessary to travel to Phuket without quarantine.
How to apply is very simple, you have to send an email to management.italiana[at]axa-assistance.es with the following details:
- last 5 digits of the card, if you have multiple Amex in your wallet choose the one with the best covers
- destination
- travel dates
- first name last name and date of birth of the owner and any accompanying person protected by the same policy
Within 24 hours you will receive a letter summarizing coverage and duration, of course the letter is provided in English.
My advice is to ask in the email that medical coverage also be specified in case of issues related to Covid-19
If you do not need special wording you can also Generate the certificate independently through the specific site.
When coverage is valid and when it is invalid
The terms and conditions of insurance related to Amex cards do not exclude Covid, thus treating it as any disease/accident that can be contracted while traveling.
There is one very important though, if you travel for NON-essential reasons to a country where for the Italian government you cannot travel for leisure or tourism the coverage will not be operational. This means that if I decide to travel to Thailand today, as the Asian country is on the list of destinations allowed for tourism even from Italy, there is no problem. If on the contrary I leave for Brazil, I will have no coverage in case of injury/illness of any kind.
Summary of the main guarantees of American Express Platinum
Here is a quick summary of the coverages included in the paper:
- Medical expenses, including repatriation of the patient and the body" = €5,000,000
- "Trip cancellation" = €10,000
- "Travel curtailment" = €10,000
- "Personal items" = €750 per item / €750 travel documentation + money / Maximum €3,000 per trip
- "CDW Rental" = €75,000 Vehicle damage value limit / €750,000 liability
- "Travel inconvenience" = €200
- "Baggage delay" = 4h - € 400 / 48h - € 400 more
In conclusion
Fast and professional service, coverage that allows you to travel peacefully anywhere in the world including the United States, where inconvenience costs can be several thousand dollars.
