Platinum insurance experience
Sharing my experience with using Amex Platinum insurance so far - 25% seamless, 25% approved but needed appeal, 50% of the time not great.
Extended warranty seems to be great. I had a iRobot robot vacuum, where a part broke. After talking to iRobot, I purchased a replacement part, which was reimbursed by Amex. Later, I found out it was the wrong part and the company has actually stopped making parts for this particular robot. Reached out to Amex again, with emails from iRobot explaining the issue, and Amex quickly reimbursed the remaining amount that I had paid for the vacuum. Been a seamless experience, and really how it should be!
I had tried using purchase protection one time in the past for a luggage item that broke after one use, but that was denied. I can’t recall the details, but it may have been that I didn’t submit all the right things.
On the other hand, travel insurance has been worthless. American Airlines cancelled my flight and rebooked the next day. AA refused to pay for all the things (a whole different issue) Amex initially denied the claim because the email from AA didn’t say exactly the words that they wanted, even though it said the flight was cancelled. Finally, I appealed with a new letter from AA which had the exact words that Amex has in their policy, and they approved most of it. Still didn’t approve one meal citing it was at the destination (when it was not)
Another time, when using travel insurance for changing flight due to a medical reason, Amex has continued to deny it despite multiple appeals, clearly without reading everything that I have submitted. And the use case is just for the airline “change fee” and not even the whole amount paid. It has been a frustrating experience and I have given up because it keeps going in circles, and not worth the time.
Overall, purchase protection >>> travel insurance, at least for me so far