I had no idea since when I had enrolled in these insurance plans or protection plans via American Express. As a AE card holder, they said some time back at some point, I 'agreed' to enroll in these programs (baggage insurance, airflight insurance, travel delay) therefore every time I charged my flight tickets on my AE card, the corresponding fees will be posted, automatically, without my consent. This is bad ... and wrong.
So, if you tend to use AE card for travel related purchases, check your AE statement and see if you notice these charges after you booked your flight tickets. Recently, I was charged with extra $100+ for my planned trip and I had to call to cancel the charge before the flight. I'm glad I caught these unexpected charges. If you do want these protection plans, just make sure you know you had them and remember you're entitled to claim.
by Charles Gwa