Hi – i only found out about this by default, when in the midst of a claim, of in all places USA where the policy terms were quite clearly changed and there was no one who would accept the complaint. This is becasue if you read the t & c it states that the card holder has no rights to complain. The policy holder is amex and we as card holders have no rights in connection with the benefits. The problem may only occur during a claim at which time it will be too late. Bearing in mind how much insurance is regualted, its quite amazing that this kind of policy which has extremely important benefits, can be ‘sold’ as a giveaway in order that the insurer can avoid all areas of regulation.