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The hidden medical coverage benefit the Platinum Amex offers when you rent cars

by on Sat September 20, 2014 • 2 Comments


If you get hurt in an accident with your rental car, and used your Platinum Card from American Express to pay for the rental, you’re eligible for $5,000 in medical expense reimbursement.

Most of us have health insurance, so why would that matter?

First, if you’re traveling abroad you might not be fully covered by your own plan, so this serves as a basic supplement, though won’t help you if you get hurt in another way.

Second, it can cover your deductible. So if you get hit with a few thousand dollars out of pocket with your own insurance, Amex can cover it.

There’s no need to file a claim with your own insurance either.

They’ll just ask for a declaration of coverage document from your own insurance, and there they can see your deductible and anything else your own policy dosen’t cover.

It’s not a comprehensive plan, only a full travel medical policy can handle that for you, but it’s a nice hidden perk that could save you hundreds or even thousands of dollars if you end up in an accident and get hurt.

There’s no other card we know of that offers a similar perk, and it’s one of dozens of other benefits available with The Platinum Card.

Here’s the fine print:

“Certain necessary covered medical expenses incurred as a result of an accident by the Cardmember or a Passenger are payable up to a maximum** of $5000 per person. The Cardmember and Passengers of the Cardmember are insured only while riding in, getting into or out of the Rental Auto (see the exclusions below).

Covered medical expenses are necessary services and supplies which are recommended by the attending physician. They include the services of a legally qualified physician, surgeon, graduate nurse, or dentist; charges for hospital confinement and use of operating rooms; charges for anesthetics, laboratory tests, ambulance service, drugs, medicines and therapeutic services and supplies.

Treatment for injuries must be received within 90 days of the accident which caused them, and all services, supplies, or treatment must be received within 52 weeks of the date of the accident.

This insurance will not pay benefits in excess of the reasonable and customary charges commonly used by providers of medical care in the locality in which the care is furnished. This coverage is secondary to all other coverage.”



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