Amex platinum insurance for middle of trip

[Grrr]

So I booked Syd-KL return flights and then KL-Europe flights on a different airline/ticket.

Looking back through my records (flights booked ages ago), it appears I used my wife's new-at-the-time Amex to book the Syd-KL return flights in order to hit a sign up bonus, and my Amex for the KL-Europe return flights.

So I was wondering if anyone else has done something similar before and could perhaps shed some light on the coverage T&Cs which I find a bit vague:

1. If something was to happen in Europe, would Amex still cover it given that the ex-Aus flights (a specific condition of coverage being that the trip must originate in Aus) are only Aus-Malaysia ?

2. Even if I had booked a straightforward Aus->Europe return ticket, if everything else was booked on another card (due to the 3% Amex forex fee), would they still cover cancellations etc ? Eg if someone broke a leg falling down somewhere, so we had to cancel the following week's activities, all of which were not paid for by Amex, would they cover this ?

Thanks for any advice

 

[MEL_Traveller]

So I booked Syd-KL return flights and then KL-Europe flights on a different airline/ticket.

Looking back through my records (flights booked ages ago), it appears I used my wife's new-at-the-time Amex to book the Syd-KL return flights in order to hit a sign up bonus, and my Amex for the KL-Europe return flights.

So I was wondering if anyone else has done something similar before and could perhaps shed some light on the coverage T&Cs which I find a bit vague:

1. If something was to happen in Europe, would Amex still cover it given that the ex-Aus flights (a specific condition of coverage being that the trip must originate in Aus) are only Aus-Malaysia ?

2. Even if I had booked a straightforward Aus->Europe return ticket, if everything else was booked on another card (due to the 3% Amex forex fee), would they still cover cancellations etc ? Eg if someone broke a leg falling down somewhere, so we had to cancel the following week's activities, all of which were not paid for by Amex, would they cover this ?

Thanks for any advice

You might need to call.

Eligibility for cover states you must purchase the full amount for the outbound leg of your return trip on your card.

You could argue this means solely the AU-Malaysia portion of your journey. People’s plans change. You could have purchased a ticket all the way to Europe and still decided, last minute, to go somewhere else, like the USA or Africa. That would be covered.

I don’t think you’d get cover for cancellation etc on the ex-Malaysia tickets if you decided to cancel. Those aren’t outbound from Australia. But I think the trip as a whole meets the eligibility criteria.

Still you would would be better off getting advice from AMEX to confirm.