What are the limits on the coverages provided by AHI insurance? Where is the trip going? FTR, I almost always purchase
trip insurance from a third party for travel outside of North America with high limits for all coverages, just in case and for peace of mind.
What happens if a relative gets sick or passes away (either before you leave or while you're on the trip)? Is this covered under credit card trip cancellation insurance? If yes, what is the covered limit versus the cost of your trip?
How does AHI insurance handle pre-existing conditions? How does credit card insurance handle them?
I don't think that either the CSR or AmEx plat offer "cancel for any reason coverage".
I'd ask to see a copy of the AHI policy, compare it to credit card insurance and buy insurance to fill-in the gaps. I have had to use
travel insurance and you want to ensure that you have the most comprehensive policy available to you, should something unforeseen happen.