While this card is too inefficient to consider in most circumstances, it shines when you are trying to nurse a traumatized investigator through multiple campaigns. I currently use this card to manage a Mark Harrigan deck with four mental and physical trauma. In a three-player game, you can usually spend a turn healing after this card hits the table. When used as part of a broader horror/damage mitigation strategy (i.e. Elder Sign Amulet, True Grit, etc.) it can be quite effective for scarred investigators hoping to save the world one last time.

I’m shocked no one has mentioned one of the most obvious upsides of this card: you use the shroud of your current location rather than the one you’re pulling from! This is great for clueless connecting locations, or at least snatching the last clue from a high-shroud location. It may also, rarely, save you a move action If you’re getting the last one.

Still far from an auto pick due to the fact that it’s an event, so its advantage is fleeting, but not a bad filler card at all.

The previous reviews do a great job of explaining the potential benefits of this card when applied to different tests, and in the hands of different investigators. But, for my money, the absolute most important and powerful aspect of Premonition is only mentioned in the comments!

TheNameWasTaken put it perfectly a year ago: Premonition is "best played in the window at the start of the investigation phase, before anyone has yet taken their turn. Seeing what token will come up for the first test this round lets you decide [which player will use the token to best effect.]"

For those curious about the rules, you can see this in the Timing) Chart:

2.1 Investigation Phase Begins

PLAYER WINDOW

2.2 Next Investigator's Turn Begins

I cannot overstate how valuable the card is when used in this manner (in multiplayer, clearly). It transforms it from an niche or circumstantial value card – spending one card to "save" using other ones – into a strategic tool. We've all had those rounds, when the encounter deck vomits all over you, or an Act turn ends up spawning a monstrosity engaged with your most vulnerable and isolated investigator. In those moments, there is no greater feeling then when your Mystic/Daisy/Dunwich whomever declares "Wait! I'm having a Premonition."

In my last playthrough of Dunwich, I blew this guy to smithereens with my trusty Shotgun only to suddenly have a moment in the shower where I went, "wait a minute... was I suppose to buff the Avian Thrall?"

The question remains: what is the "it" referring to on the card? At first glance, I thought it meant the Avian Thrall, meaning it gets -3 fight whenever you hit him with pretty much anything but melee. However, if the "it" refers to the traits, then your attack would get -3 fight, making him effectively 8. So which is it?

I think it makes more sense to debuff the enemy given the traits (kinda hard to Machete a flying pterodactyl if you know what I'm saying. But grim rule exists so I am left to wonder.

I figure if they wanted the debuff to apply to the players, then they probably would have worded it as so: "Attacks made with assets that have the Ranged, Firearm, or Spell traits get -3 fight against Avian Thrall."

I wanted to add a more recent review that adds rules citations for three important pieces of information mentioned by earlier reviews/comments. Let's read the fine print on these Hospital Debts!

First: If you draw Hospital Debts naturally as part of the Upkeep phase at the end of the round, you will not be able to sneak two resources onto it before the round ends. The rules for timing make clear that there is no ~Player Window after you draw cards.

Second: In multiplayer, other investigators at the same location can activate and pay for Hospital Debts. In the rules, Activate) Actions can be taken on "all encounter cards in the threat area of any investigator at that location," and according to the rules for Weaknesses,) any weakness with an encounter cardtype (like "Treachery") "are considered to be encounter cards [...] once they have entered play."

Third: In multiplayer, the "Limit twice per round" applies to each investigator individually, meaning that three different investigators could pay down the debts in a single turn. The relevant) rule on limits specifies "Unless stated otherwise, limits are player specific." And this is likely relevant to a number of other cards.

Again, these three points have been mentioned elsewhere, but I wanted to collect them all in one place with relevant citations. I so often find that discovering the rules behind one card makes me better understand other cards, and the game as a whole!