American Express Platinum Netherlands Travel Insurance: Up to €3,000,000 Medical, Up to €10,000 per insured Cancellation

The Dutch Amex Platinum has one of the most comprehensive travel insurance packages on the European card market. Emergency medical coverage goes up to €3,000,000 — a number that actually means something, unlike the token amounts on many US premium cards. Trip cancellation and interruption are covered up to €10,000 per insured person, and the trip delay benefit kicks in after just 4 hours with up to €200 per person, increasing to €800 total if you're delayed more than 48 hours. That 4-hour delay threshold is notably generous compared to UK and US cards, which typically require 6 or 12 hours.
Lost luggage coverage tops out at €3,000 per trip (€750 per item), and medical evacuation matches the emergency medical limit at €3,000,000. The main gap: pre-existing conditions are excluded across the board.
If you have a known medical condition and are concerned about coverage while traveling, you'll need a supplementary policy that includes a pre-existing conditions waiver — those typically add €50–100 to a standard travel medical policy.