Personally I buy seperate travel insurance even though I have AMEX insurance too.
But saying that I need a higher level because of coverage I need at the snow.
Read the PDS carefully! I nearly got stung by AMEX. In my scenario, I paid for a ticket minus a $150 gift voucher from Qantas, but this meant I was not eligible for insurance.
So now I just have an annual policy to deal with it.


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