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[quote=Anonymous]I have had to use travel insurance and found the hard way that the Amex insurance, where you use the card to buy your tickets, hotel, etc., isn't worth crap  in an  leaemergency.  DH had also bought separate travel insurance through insurance company, on a whim, I think it was AIG or something similar.
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Anyway here is what happened:  DH and I were on trip just the 2 of us and my mil was watching our children at her house.  She was relatively young 59, and in very good health. We were on a small island in the atlantic, about a 2.5 he plane ride.  MIL had been begging us to leave kids with her so she ova have her own time with them.

MIL has a stroke and is rushed to hospital. it takes 2 days for someone to track us down (why is for another thread) and it is unclear who has our children or where they are so needless to say we are in a rush to get back to D.C.  Amex is zero help.  None.  We needed help getting new flights and refunds on prepaid car rental and hotels.  And as time being of the essence I didn't have time or patience to be patient with them.  So we then called the private trip insurance and they were great.  Basically they told us as my MIL being sick constituted a direct relative under the terms of our policy they would refund us any fees associated with changing dates. They covered the change fee in airline tickets. The hotel was nice enough to not even charge us for the rest of the unused week. Although they could have, and we got the rest of the re tal carnreimbursed.  We had to handle all the arrangements and hen submit the fees.  The insurance wasn't like a concierge handling it.  But in all the $125 policy saved us $1000 in the end. This was 5 years ago.  I hope Amex has gotten better because they were a total waste of time. [/quote]

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