amex purchase protection claim

Plus, not all damage and losses are covered. Visit americanexpress.com/benefitsguide for details. Its easy to write off these policies as being too much of a hassle or, conversely, being too good to be true. By Cristina Gibson | American ExpressCredit IntelFreelance Contributor. He covers credit cards, loyalty programs and family travel. If the merchant can not issue you a refund, you can ask American Express to reimburse you for the total cost of the . Log in to your American Express account. Claim amount was around $300. As with any insurance or coverage product, AmEx purchase protection comes with limitations and exclusions. Our editor's ratings analyze fees, bonuses, rewards, and benefits to highlight the simplest and most valuable credit cards available. This post contains references to products from one or more of our advertisers. Just to see the cards they carry? So how do we make money? Disclaimer: Amex is an Insider advertiser. However, Ive filed two claims with Amex in the past; in both cases, I was pleasantly surprised at how quick and easy the process was. Aaron is an avid global traveler and miles and points enthusiast. Remember you need to provide a copy of the purchase receipt and file a Notice of Claim within 30 days of the loss or damage. Amex cards that offer purchase protection. There is, however, a higher maximum of $10,000 per claim with several premium American Express cards. All information about Amex EveryDay Credit Card has been collected independently by NerdWallet . The manufacturer was completely unwilling to repair or replace it, but once again I remembered my Amex extended warranty policy and filled out an online claim form. Coverage Limits Apply. American Express purchase protection works by covering the damage or theft of eligible purchases for up to 90 days after the purchase date. In these cases, Amex will refund the entire purchase price up to $300 per item, excluding shipping and handling charges. US Newcomers. However, this does not influence our evaluations. You must provide an original store receipt (or a printout of an online receipt). Amex Extended Warranty | The Motley Fool Past performance is not indicative of future results. Purchase protection is included in many U.S. American Express cards at no additional cost to the cardholder. NerdWallet Compare, Inc. NMLS ID# 1617539, NMLS Consumer Access|Licenses and Disclosures, California: California Finance Lender loans arranged pursuant to Department of Financial Protection and Innovation Finance Lenders License #60DBO-74812, Property and Casualty insurance services offered through NerdWallet Insurance Services, Inc. (CA resident license no. Services and additional costs, such as installation charges, warranties, shipping, handling and memberships. From porch pirates to Murphy's law, a lot can go awry between the time you buy an item and make use of that purchase. Had no problems at all wrt the period. In the case of a damage claim, you may need to send in the broken item. You also may be asked to return the item to Amex in the event it cant be repaired or to provide proof of loss via a repair estimate form or photographs showing the item's current condition. Purchase Protection is an embedded benefit of your Card Membership and requires no enrollment. 1 point per dollar on other purchases. Find out here how we keep you up to date. Many or all of the offers on this site are from companies from which Insider receives compensation (for a full list. Items permanently affixed to a home, office, vehicles, etc. AmEx purchase protection excludes a long list of types of purchases, including: Antiques, artwork and previously used items. To help support our reporting work, and to continue our ability to provide this content for free to our readers, we receive compensation from the companies that advertise on the Forbes Advisor site. Most offer up to $1,000 per covered purchase. Next article If I have a problem or concern about my claim or the insurance coverage who should I contact? JT Genter is a freelance points, miles and credit card writer formerly of The Points Guy. This benefit offers cardholders compensation when a store will not accept an eligible item for return within 90 days of purchase. This depends on the circumstances of the loss. Authorized users are also covered. When an American Express Card Member charges a Covered Purchase with their Eligible Card, Purchase Protection can help protect their Covered Purchases for up to 90 days from the Covered Purchase date if it is stolen or accidentally damaged. It also includes their coverage maximums per purchase and calendar year. *Eligibility and benefit levels vary by card. Cash Back rewards do not expireas long as your account is open! Curious to hear people's stories using purchase protection with AMEX. Personal cards with purchase protections from AmEx include: The Platinum Card from American Express. With Amex purchase protection, eligible purchases are insured for up to 90 days against damage, theft, and loss. Improve earnings, maximize rewards and track progress toward dream trips. are covered by AmEx's purchase protection coverage. The Platinum Card, Covered Eligible Purchases are items bought with your Eligible Card and are covered for the first 90 days after the day of purchase. Also, note that some losses are excluded such as if you left the item in an unlocked car. Most products bought with your American Express card are covered by Amex purchase protection. The Hilton Honors American Express Business Card. These are provided as guidelines only and approval is not guaranteed. Beyond glamorous perks like airport lounge access and annual statement credits, American Express cards offer several valuable benefits that can protect your purchases. For example, AmEx won't approve a claim for damage to an item "purchased for play." Cards that still offer this benefit include: ** The information for these cards has been collected independently by The Points Guy. How to File a Purchase Protection Claim with the Amex Delta Platinum Business Credit Card Call the Benefit Administrator within 30 days of the incident at 1-800-228-6855 or the number in your card's benefits guide. However, this card is so packed with benefits that this coverage doesn't make the card's highlights on the AmEx website. You will be asked certain questions about your claim at that time. In other words, if your item gets damaged when being shipped by FedEx, UPS or similar, it may not be covered under Amexs Purchase Protection (it may however be eligible for some reimbursement by filing a claim through the third-party carrier). If disaster strikes your new laptop, smartphone, jacket, or any other recent purchase, you could get reimbursed courtesy of this American Express card benefit. . The American Express Platinum card purchase protection covers items bought with this card for up to $10,000 per incident and $50,000 per year. If you purchase a high-end $2,500 laptop, you should charge it to your premium card with a $10,000 per incident limit rather than a card with a $1,000 per incident coverage limit. There is a list of exclusions, which mostly consists of things you wouldn't expect a store to take back like perishables, consumables, media (books, CDs, software), healthcare items, seasonal goods, and gift cards. Meanwhile, here's the list of small business cards from AmEx with this benefit: The Business Platinum Card from American Express. Chase, for example, offers purchase protection for up to 120 days on the Chase Freedom Unlimited, Chase Freedom Flex* and Chase Sapphire Preferred Card and Chase Sapphire Reserve. American Express Purchase Protection - FlyerTalk Forums I confess that I dont save a copy of the register receipt from every purchase I make Im just not that organized. We may receive compensation when you click on links to those products. Hi everyone, I started a purchase protection claim for exercise equipment that was stolen from my 2nd home. <>>> The material made available for you on this website, Credit Intel, is for informational purposes only and is not intended to provide legal, tax or financial advice. American Express is an advertising partner of The Ascent, a Motley Fool company. For . INTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) worth up to $300 cash back! Claims can be made online or by giving American Express a call at 1-800-322-1277. Let's take a look at the current coverage on The Platinum Card from American Express as an example. We believe everyone should be able to make financial decisions with confidence. With most Amex cards, youre covered for up to $1,000 per covered incident and up to $50,000 per year, but the reimbursement doesnt include any shipping or handling expenses. Everything you need to know about American Express purchase protection The most common coverage amount is $1,000 per covered incident, but some premium American Express cards cover purchases up to $10,000 per incident. All American Express cards with extended warranty benefits provide the same amount of coverage. For rates and fees of the Blue Cash Preferred Card from American Express, please click here. Keep in mind that not all purchases or items are covered . Almost every American Express credit and charge card offers purchase protection of some degree. Editors note: This is a recurring post, regularly updated with new information. Travel is also generally excluded from this purchase protection benefit. When evaluating offers, please review the financial institutions Terms and Conditions. Amex Purchase Protection Benefits | The Motley Fool Information provided on Forbes Advisor is for educational purposes only. This benefit covers eligible items purchased with an eligible American Express card against damage or theft. If you need to make a claim, you will receive a reimbursement either for the item or the cost to replace the item, up to the coverage limits on your American Express card. Delta SkyMiles Platinum Business American Express Card. He was born in California but currently lives as a digital nomad with a home base in Colombia. American Express processes claims more quickly than some other issuers. American Express is the industry leader amongst credit card issuers offering purchase protection to its customers due to its generous terms and simple claim process.

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