[argonaut]

Wait, this is definitely news to me. I'm pretty sure secondary coverage becomes primary if you don't have personal insurance. I re-read the Amex terms and conditions and it says nothing about requiring primary coverage (https://www.americanexpress.com/us/credit-cards/features-ben...).

[jlund-molfese]

Hmm, maybe I should resubmit the claim! Would be great if I'm wrong–the form required a primary insurance declaration and I gave up at that point.

EDIT: Thanks argonaut, that worked and the claim was able to go through! Proof of Cunningham's Law.

[cromka]

That was exactly my understanding and, I think, a general consensus on how secondary insurance works for Amex Platinum.