Eugene that surprises me that you do not need to use an AMX card for the trip cost to have coverage. For the simple shipboard credit offer you MUST use an AMX card of some kind but not necessarily the Platinum card. Of course this could be a third party insurer and that is why it is not necessary.

In my "old age" I find that I do not trust what I am told, different answers can come quite often from different people. However, Eugene is the detail "guru" so if he thinks it is so then it probably is correct.

I would suggest using an AMX card to pay for your trip just to be on the safe side. Logically that makes sense.