amex purchase protection claim

With most Amex cards, you're covered for up to $1,000 per covered incident and up to $50,000 per year, but the reimbursement doesn't include any shipping or handling expenses. The following are ineligible for coverage: Also excluded is loss or damage due to any of the following reasons: Additionally, the maximum protection related to a natural disaster is $500. In some cases, Amex will require you to ship the item to them before it refunds you for the purchase if that happens, Amex will cover the cost of shipping. Click "Enter. This was for Amex Canada (RSA Insurance). As with any insurance or coverage product, AmEx purchase protection comes with limitations and exclusions. We're firm believers in the Golden Rule, which is why editorial opinions are ours alone and have not been previously reviewed, approved, or endorsed by included advertisers. If not, please enter the text below. Many or all of the products here are from our partners that compensate us. You want a travel credit card that prioritizes whats important to you. Terms apply. The American Express Platinum cards are eligible for American Express Purchase Protection. Buyer's Assurance Protection Plan extends the original equipment manufacturer's basic warranty, the plan will not extend any additional coverage purchased from the manufacturer, retailer or any other source. For example, The Platinum Card from American Expressand other cards offer purchase protection, which can reimburse you if a covered item is stolen or damaged within a specified window of time after you bought it. Enrollment required. This depends on the circumstances of the loss. AmEx purchase protection covers lost, stolen or damaged items within the first 90 days after purchase. To start the process, log into your AmEx account and, Like insurance, purchase protection is one of those things that you hope you never have to use. To be eligible for return protection, an item must have been purchased entirely with an Amex card. Something went wrong. 2023 Forbes Media LLC. When we think of travel rewards card benefits, we tend to think of lounge access, free checked bags and companion tickets, but dont stop there. Policies are underwritten by AMEX Assurance Company. Call 1-800-243-0198 for more information. For most people, the purchase protection benefit offered by some credit cards flies under the radar. There are also coverage limits, which depend on the card that you have. Travel is also generally excluded from this purchase protection benefit. of The explanation field can be something as simple as "Merchant does not accept returns after 30 days" or 'merchant does not accept returns on sale items'. shopping purchases when you use your Eligible Card. Once youve submitted the necessary supporting documents, American Express will send you an email confirmation stating your documents were received. $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Often, you will get a response to your initial claim inquiry within 48 hours. . Please review. Extended Warranty benefits extend your manufacturers warranty coverage, often by as much as a year. Its easy to write off these policies as being too much of a hassle or, conversely, being too good to be true. Pre-qualified offers are not binding. Terms apply. This benefit is limited to $1,000 annually. If anyone on our team wouldnt recommend it to a friend or a family member, we wouldnt recommend it on The Points Guy either. Terms apply to the offers listed on this page. Some premium American Express Cards also include coverage for lost items and provide coverage of up to $10,000 per incident and $50,000 per year. All policies have a maximum limit of $50,000 in claims per calendar year. Terms apply. Here are our picks for the. To view rates and fees for the Delta SkyMiles Reserve American Express Card please visit this page. You can also file a purchase protection claim over the phone by calling 1-800-228-6855. Log in to your American Express account. Our partners compensate us. See if Youre Pre-Qualified, Credit Intel Financial Education Center. The card details on this page have not been reviewed or provided by the card issuer. However, most purchases made in the United States qualify for return protection. Terms apply. AmEx purchase protection generally covers theft, loss and damage to eligible items within 90 days of purchase. Check your eligibility here. Terms, Conditions and Limitations Apply. <>/ExtGState<>/XObject<>/ProcSet[/PDF/Text/ImageB/ImageC/ImageI] >>/MediaBox[ 0 0 612 792] /Contents 4 0 R/Group<>/Tabs/S/StructParents 0>> Submit a Claim. How to file an AmEx purchase protection claim, AmEx personal cards with purchase protection, Blue Cash Preferred Card from American Express, The Amex EveryDay Preferred Credit Card from American Express, Hilton Honors American Express Surpass Card, Hilton Honors American Express Aspire Card, Marriott Bonvoy Brilliant American Express Card, Delta SkyMiles Reserve American Express Card, Delta SkyMiles Platinum American Express Card, Delta SkyMiles Gold American Express Card, Delta SkyMiles Blue American Express Card, AmEx small business cards with purchase protection, The Business Platinum Card from American Express, The Blue Business Plus Credit Card from American Express, Business Green Rewards Card from American Express, Delta SkyMiles Platinum Business American Express Card, Delta SkyMiles Reserve Business American Express Card, Delta SkyMiles Gold Business American Express Card, The Hilton Honors American Express Business Card, Marriott Bonvoy Business American Express Card, However, the purchase protection coverage amounts and limitations vary between AmEx cards. To file an Amex purchase protection claim, visit americanexpress.com/onlineclaim. Though the majority of cards within the American Express portfolio carry purchase protection as a perk, you wont get the same level of coverage from all credit cards. as well as other partner offers and accept our, 4.4 out of You must file a claim within 30 days of loss through this link or by calling 800-228-6855. Eligibility and Benefit level varies by Card. I definitely lean toward my Amex card when I buy a television, computer or a major appliance that can be costly to repair even if it means sacrificing bonus points. Some of the more popular Amex cards offering extended warranty coverage include The Platinum Card from American Express and other consumer versions of the Platinum card, The Business Platinum Card from American Express, American Express Gold Card, American Express Green Card, American Express Business Gold Card, Delta credit cards, Hilton credit cards, Marriott credit cards and The Blue Business Plus Credit Card from American Express. 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. There are more than a dozen personal cards that offer $10,000 in purchase protection coverage per item. Flexibility, point transfers and a large bonus: Bank of America Travel Rewards credit card. Copyright 2018 - 2023 The Ascent. Learn more. Here are a few examples of proof of loss that American Express may ask for: American Express pays purchase protection claims within 30 days of receiving satisfactory proof of loss and determining the claim is payable. If you have multiple American Express cards with varying coverage limits, make sure that your large purchases are made on your cards with the largest coverage limits. Nonetheless, this useful benefit can save you hundreds (maybe thousands) if you have the misfortune of theft or damage on a covered purchased item within 90 days of purchasing the item. File a police report within 48 hours of the incident, if the item was stolen. Purchase Protection often covers loss, damage and theft for a short period of time, usually a few months, after purchase. Which cards have AmEx purchase protection? Please visit americanexpress.com/benefitsguide for more details. Not a Cardmember yet? Here are our picks for the best travel credit cards of 2023, including those best for: Flexibility, point transfers and a large bonus: Chase Sapphire Preferred Card, No annual fee: Bank of America Travel Rewards credit card, Flat-rate travel rewards: Capital One Venture Rewards Credit Card, Bonus travel rewards and high-end perks: Chase Sapphire Reserve, Luxury perks: The Platinum Card from American Express, Business travelers: Ink Business Preferred Credit Card, About the author: JT Genter is a freelance points, miles and credit card writer formerly of The Points Guy. 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 are a multitude of purchases that are excluded from purchase protection. $10,000 per claim, $50,000 per year for the American Express Gold Card, The Platinum Card from American Express and Delta SkyMiles Reserve . Coverage limits apply. Although this is an oft-overlooked benefit, purchase protection can provide exceptional value. Credit Card Extended Warranty and Terms | American Express Extended Warranty Learn more about the benefits Card Membership can provide. The Ascent is a Motley Fool service that rates and reviews essential products for your everyday money matters. If filing online, you will be prompted to submit required documents to support your claim. Keep track of all the required documentation, such as the original store receipt or a printout of an online receipt. Purchase protection coverage limits vary among American Express cards, so its important that you review your cards guide to benefits so that you understand the coverage limits and exclusions that apply to you. Terms apply. Motorized vehicles, parts and accessories. After working as a tax accountant for a decade, JT turned his analytical skills to points, miles and credit cards. Underwritten by AMEX Assurance Company. Here's a step-by-step guide to submitting a claim for return protection through Amex. 2023 American Express. American Express purchase protection works by covering the damage or theft of eligible purchases for up to 90 days after the purchase date. Failing that, I also can search my order history at Amazon, eBay and other online retailers I use. Be sure to check each cards individual purchase protection policy before making an expensive purchase on an Amex card. In contrast, more than a dozen personal American Express cards include loss as a qualified purchase protection reason in their benefits. Hi everyone, I started a purchase protection claim for exercise equipment that was stolen from my 2nd home. Most Cards allow up to $1,000 per incident, with a limit of $50,000 per year. JT Genter is a freelance points, miles and credit card writer formerly of The Points Guy. To validate your coverage, please call the number on the back of your Card. Best Homeowners Insurance for New Construction, How to Get Discounts on Homeowners Insurance. _qUEy 3Q-VH'W]\3v5w,E13U "uelw[>O||'Wc1x,>V2X"Dd'PJ~f'2. Please visit americanexpress.com/benefitsguide for more details. $200 Hotel Credit: Get $200 back in statement credits each year on prepaid Fine Hotels + Resorts or The Hotel Collection bookings with American Express Travel when you pay with your Platinum Card. Many of the best credit cards have purchase protection. 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. The best credit cards for travel insurance benefits. If submitting a claim by phone, you will be asked certain questions about your claim. The card comes with coverage of up to $10,000 per claim and $50,000 per account. It's important to practice financial discipline when using credit cards by paying your balances in full each month, making payments on time, and only spending what you can afford to pay back. For information on coverage limits and what's not covered, review your card's guide to benefits. Claims can be made online or by giving American Express a call at 1-800-322-1277. For rates and fees for the American Express Cash Magnet Card, click here, For rates and fees for the American Express Gold Card, click here, For rates and fees for the American Express Green Card, click here, For rates and fees for the Amex EveryDay Credit Card from American Express, click here, For rates and fees for the Amex EveryDay Preferred Credit Card, click here, For rates and fees for the Blue Cash Everyday Card from American Express, click here, For rates and fees for the Blue Cash Preferred Card from American Express, click here, For rates and fees for the Blue from American Express, click here, For rates and fees for the Delta SkyMiles Blue American Express Card, click here, For rates and fees for the Delta SkyMiles Gold American Express Card, click here, For rates and fees for the Delta SkyMiles Platinum American Express Card, click here, For rates and fees for the Delta SkyMiles Reserve American Express Card, click here, For rates and fees for the Hilton Honors American Express Aspire Card, click here, For rates and fees for the Hilton Honors American Express Card, click here, For rates and fees for the Marriott Bonvoy Brilliant American Express Card, click here, For rates and fees for the The Platinum Card from American Express, click here. These online records helped me file my Amex claims quickly, rather than digging through a shoebox full of paper receipts. For claims filed internationally, you can dial 1-303-273-6498. Purchase protection will reimburse you for theft, loss or accidental damage to eligible items that occurred within 90 days of purchase. Check the. American Express makes it easy for you to file a claim for your lost, damaged or stolen item within 90 days from the date of your purchase. How to File a Purchase Protection Claim with the Hilton Business Credit Card. Here's a step-by-step guide to submitting a claim for return protection through Amex. Jewelry and watches are also excluded. You should do this within 30 days (or as soon as reasonably possible) of your eligible item being damaged, stolen, or lost. $189 CLEAR Credit: Breeze through security with CLEAR Plus at 45+ airports nationwide and get up to $189 back per year on your membership (subject to auto-renewal) when you use your Card. All financial products, shopping products and services are presented without warranty. This coverage is complimentary on most AmEx cards including some debit, prepaid and reloadable AmEx cards. 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. In the case of a damage claim, you may need to send in the broken item. At that point, sit back and relax. 1 0 obj If that's what you're looking for, then travel cards are a good place to start. Shopping online for a car is an accelerating trend changing the purchase process from start to finish. Instead, check the benefits guide to see the card's purchase protection coverage. Consumable or perishable items such as perfume, light bulbs and batteries. Terms, conditions and limitations apply. The purchase must be made in the United States, be in like new condition and the merchant must have previously denied the return. How do I find and add Amex Offers to my Card? Instead, check the benefits guide to see the card's purchase protection coverage. Eligible American Express cardholders can get reimbursed up to $1,000 or $10,000 per item (depending on the . For example Mastercard offers Purchase Assurance to many Mastercard holders. Marriott Bonvoy Brilliant American Express Card. Negotiable instruments, such as stamps and travelers' checks. Log in to the American Express Claims Center at americanexpress.com/onlineclaim 2. Many Amex cards offer purchase protection but coverage limits vary. File an American Express purchase protection claim online by logging in to your account and going to the claims center. Hilton Honors American Express Aspire Card. endobj With this benefit, you're able to claim up to a. Each eligible AmEx card is covered for up to $50,000 in claims per year. The material made available for you on this website, Send Money & Split Purchases: Venmo and PayPal, Interested in Amex? Select the Card below to read the full terms and conditions for Return Protection related to that Card. For full Terms and Conditions, see www.americanexpress.com/PPterms. Editors note: This is a recurring post, regularly updated with new information. *Excess of 50 applies. Editorial Note: We earn a commission from partner links on Forbes Advisor. Return protection is a super valuable benefit, and luckily it's available on virtually all American Express cards. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Access your favorite topics in a personalized feed while you're on the go. But can you use your credit card to do so? Any purchase that is not in an excluded category and is made with a qualifying American Express card will receive purchase protection. Purchase Protection Protect your shopping Enjoy stress-free shopping when you use your American Express Card, with 90-day Purchase Protection. I confess that I dont save a copy of the register receipt from every purchase I make Im just not that organized. Dozens of cards offer this benefit. Uber Cash and Uber VIP status is available to Basic Card Member only. *Eligibility and benefit levels vary by card. I don't have much time to deal with this but I've never filed a claim before. Select categories from the drop-down menus and then fill in the merchant, manufacturer, purchase date, and price. Terms and conditions will apply. Information provided on Forbes Advisor is for educational purposes only. Thankfully, many credit cards offer so-called "purchase protection" that covers theft, damage and loss within a set time after purchase. To get the best possible experience please use the latest version of Chrome, Firefox, Safari, or Microsoft Edge to view this website. All Credit Intelcontent is written by freelance authors and commissioned and paid for by American Express. Whether you need to use your purchase protection now or you're just curious about how it works, you'll learn all about it in this guide. After logging in, click "File a Claim." Go through the online claim process and provide the required information. 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. How to File a Purchase Protection Claim with the Gold Delta SkyMiles Business Credit Card. Shop more. Other American Express business cards offer the standard $1,000. endobj Credit Score ranges are based on FICO credit scoring. However, the purchase protection coverage amounts and limitations vary between AmEx cards. The Hilton Honors American Express Business Card. The coverage is limited up to $10,000 per occurrence, up to $50,000 per card member account per calendar year. Please try again later. Marriott Bonvoy Business American Express Card. Compensation may impact the order of which offers appear on page, but our editorial opinions and ratings are not influenced by compensation. Blue Cash Everyday Card from American Express. Compact discs, digital video discs, mini discs, audiotapes and videotapes. 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. Most products bought with your American Express card are covered by Amex purchase protection. Business cards are no exception. Objects such as motorized vehicles, artwork, gift cards and perishable items like perfume, food, light bulbs and batteries are all typically ineligible for purchase protection coverage. If the item was stolen, you may need to show us a copy of the police report, or if the item was damaged, you may need to send it in to complete the claim so dont throw it out. Do not sell or share my personal information. Understanding Homeowners Insurance Premiums, Guide to Homeowners Insurance Deductibles, Best Pet Insurance for Pre-existing Conditions, What to Look for in a Pet Insurance Company, Marcus by Goldman Sachs Personal Loans Review, The Best Way to Get a Loan With Zero Credit. It can help protect covered purchases made on your eligible card when theyre accidentally damaged, stolen, or lost, for up to 90 days from the covered purchase date. Eligible American Express cardholders can get reimbursed up to $1,000 or $10,000 per item (depending on the card) and up to . The Amex EveryDay Preferred Credit Card from American Express is no longer available through NerdWallet. The Forbes Advisor editorial team is independent and objective. Enrollment required. The extended warranty does not cover the following items: Also, coverage does not apply to damage from natural disasters, alterations or modifications, power surges, war or acts of war or any item under a product recall. The coverage maximums vary by card, though. To be eligible, all you have to do is charge a portion of your qualifying purchase to your American Express card but youll only be reimbursed up to the amount charged to your card. Terms, conditions and limitations apply. Claim processing and payment is usually complete within 30 days. 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. My next chance to use these benefits came when a computer part failed about a year and a half after purchase and had a warranty of just one year. Click "file a claim" and. These are provided as guidelines only and approval is not guaranteed. OP}[}Ko? 1 Terms, conditions and exclusions apply. Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 19.74% 28.49%. Card issuers strive to set their products apart from the competition by offering incentives like welcome bonuses, but sometimes the less-flashy benefits can be even more valuable. If you'd rather file a purchase protection claim by phone, call 1-800-228-6855. Blue Cash Preferred Card from American Express. 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. . Aaron is an avid global traveler and miles and points enthusiast. Earn 5x Membership Rewards Points for flights booked directly with airlines or with American Express Travel on up to $500,000 per calendar year. How Much Are Travel Points and Miles Worth in 2023? All financial products, shopping products and services are presented without warranty. Consumable or perishable items like food and batteries. This purchase protection product covers damage and theft, but only up to $500 per claim and $50,000 per account. Subject to additional terms, conditions and exclusions. Additional Information. The Platinum also offers 90 days of return protection, up to $300 per item. You can also mail them at: Purchase Protection Claims Unit, PO Box 981553 El Paso TX 79998- 9920. If you don't receive claim forms within 15 days, you can provide a letter describing the circumstances of your claim. Worry less. Sound too good to be true? Dozens of AmEx cards offer purchase protection benefits. However, there are plenty of credit cards that offer travel insurance and protections. out War, acts of war or service in the military. Our opinions are our own, and have not been reviewed, approved, or endorsed by our advertising partners. The card details on this page have not been reviewed or provided by the card issuer. Indirect or direct damage to an item or property resulting from a covered event. Best card for premium perks while traveling, Capital One Venture X Rewards Credit Card, The Business Platinum Card from American Express, Marriott Bonvoy Business American Express Card, Southwest unveils stunning new Hawaii-themed aircraft, How to redeem Chase Ultimate Rewards points for maximum value, IHG Rewards Premier Business card review: The annual fee is justified. Keep in mind that we're focusing on the rewards and perks that make these credit cards great options, not things like interest rates and late fees, which will far outweigh the value of any points or miles. 1 point per dollar on other purchases. If there is a chance that an item might get broken or stolen, make sure that it is charged to your eligible American Express card. From broken laptops and phones to delivered packages nabbed from the front porch, when you make a Covered Eligible Purchase with your Eligible, When you charge a Covered Purchase to your Eligible Card, you can be reimbursed for up to 90 days from the date of purchase if the item is stolen or accidentally damaged. Our opinions are our own. Welcome to the American Express Claim Document Upload Site For Products Underwritten by AMEX Assurance Company To get started, please complete the fields below. If You have any questions about a specific item, please call us at 1-800-228-6855, if international, collect at 1-303-273-6498. The coverage is limited up to $1,000 per occurrence, up to $50,000 per Card Member account per calendar year. Terms, Conditions and Limitations Apply. Authorized users are also covered. In addition to writing for Forbes.com, Aaron is a full-time professional advisor to Fortune 500 companies at a global consulting firm. Purchase protection is an embedded benefit of your card membership and requires no enrollment. At the time of writing, The Platinum Card from American Express holders are covered for up to 90 days from the date of a covered purchase of an eligible item. Purchase Protection is underwritten by AMEX Assurance Company. The claim should be provided within thirty (30) days of the loss or as soon as reasonably possible. These include but are not limited to: Purchase protection doesn't cover certain types of events. . Previous article If I submit a claim and receive a benefit, does my coverage stop? You will need to provide American Express with the original store receipt or a printout of an online receipt. He writes for The Ascent and The Motley Fool, and his work has appeared in USA Today and Yahoo! Eligible AmEx cardmembers can still file a purchase protection claim for a covered loss even if you've redeemed Membership Rewards points for all or part of that purchase including Pay With Points redemptions.

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