amex purchase protection claim

Click "file a claim" and. Earn 70,000 Bonus Miles after spending $5,000 in purchases on your new Card in your first 3 months of Card Membership. To be eligible, you must pay for the entire cost of the item with your eligible American Express card, and purchases must be made in the U.S. or U.S. territories.^. However, this does not influence our evaluations. 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. 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. This benefit applies if you made the purchase, or at least a portion of it, with your American Express card or American Express points. Amex purchase protection covers new purchases that are damaged, stolen, or lost within the first 90 days. Additionally, purchase protection benefits are not payable on eligible items if the damage is caused by riots, acts of war or service in the military, normal wear and tear or damage through alteration. From broken laptops and phones to delivered packages nabbed from the front porch, when you make a Covered Eligible Purchase with your Eligible American Express Card, you can rest easy knowing that you may be protected up to $1,000 per incident (for some Cards you may be protected up to $10,000 per incident) when the unexpected strikes. Are you sure you want to rest your choices? As always, check your credit cards guide to benefits to see which benefits apply to you. Learn more: The best credit cards for travel insurance benefits. Eligible American Express cardholders can get reimbursed up to $1,000 or $10,000 per item (depending on the card) and up to . It seemed like a good idea at the time, but once I received it and had a chance to install it, I realized that it scared my daughter and seemed too dangerous to me as well. Credit Card Return Protection Terms | American Express US Return Protection Learn more about the benefits Card Membership can provide. Consumable or perishable items such as perfume, light bulbs and batteries. However, most purchases made in the United States qualify for return protection. Keep track of all the required documentation, such as the original store receipt or a printout of an online receipt. And Visa offers Purchase Security to Visa Infinite cardmembers. Business fixtures including air conditioners, refrigerators and heaters. Enjoy 6.5% cash back on travel purchased through Chase Ultimate Rewards, our premier rewards program thatlets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year). American Express AMEX Assurance Company PO Box 981553 El Paso TX 79998-9920 (800) 858-5971 Toll Free Fax (800) 322-1277 Phone Purchase Protection Claim Form Claim Number (required) Instructions: Please. Please visit americanexpress.com/benefitsguide for more details. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Eligibility and Benefit level varies by Card. If disaster strikes your new laptop, smartphone, jacket, or any other recent purchase, you could get reimbursed courtesy of this American Express card benefit. Click "file a claim" and select the card for which you're filing a claim, enter your date of purchase and click "continue.". If the merchant can not issue you a refund, you can ask American Express to reimburse you for the total cost of the . Our points-obsessed staff uses a plethora of credit cards on a daily basis. Permanent household items such as carpet, flooring, air conditioners and refrigerators. $10,000 per claim, $50,000 per year for the American Express Gold Card, The Platinum Card from American Express and Delta SkyMiles Reserve . With most Amex cards, purchase protection can be filed for claims up to $1,000 per occurrence and up to a maximum of $50,000 per cardmember per calendar year. , AmEx purchase protection only covers a maximum of $500 in claims per event. Here are our picks for the. Claim amount was around $300. American Express purchase protection works by covering the damage or theft of eligible purchases for up to 90 days after the purchase date. Find the right card for you. Amex EveryDay Credit Card from American Express, Blue Cash Everyday Card from American Express, Blue Cash Preferred Card from American Express, Delta SkyMiles Blue American Express Card, Delta SkyMiles Gold American Express Card, Delta SkyMiles Platinum American Express Card, Delta SkyMiles Reserve American Express Card, Hilton Honors American Express Aspire Card, Marriott Bonvoy Brilliant American Express Card. 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. How do I Earn Membership Rewards Points? It isn't and even better, the process is very simple. How do I Redeem Membership Rewards Points. Click "File a Claim," then provide the required information. Travel is also generally excluded from this purchase protection benefit. Purchase Protection often covers loss, damage and theft for a short period of time, usually a few months, after purchase. Youll be asked for a copy of the receipt and your Amex purchase record. Now there are even more places your Platinum Card can get you complimentary entry and exclusive perks. To get the best possible experience please use the latest version of Chrome, Firefox, Safari, or Microsoft Edge to view this website. This information may be different than what you see when you visit a financial institution, service provider or specific products site. You will be asked certain questions about your claim at that time. You can contact Assurant by phone for any questions regarding the status of your claim at 1-800-708-0807. For example, if you have an American Express card, the chances are that card provides AmEx purchase protection. All users of our online services are subject to our Privacy Statement and agree to be bound by the Terms of Service. Negotiable instruments, such as stamps and travelers' checks. All rights reserved, How American Express Purchase Protection Works, Purchase Protection can cover the cost of lifes uh-oh moments, so you can be more confident when buying with your Eligible Card. Worry less. All financial products, shopping products and services are presented without warranty. x][s8~wjJ[1M\INm)qTdctJ ) E=SH"h6 O6=rv,_7r3Y/s#.t'kd bBJK9>:}YqaX0DI $155 Walmart+ Credit: Cover the cost of a $12.95 monthly Walmart+ membership with a statement credit after you pay for Walmart+ each month with your Platinum Card. Terms apply. Finance. Supplier Diversity. Editors note: This is a recurring post, regularly updated with new information. Covered Eligible Purchases are items bought with your Eligible Card and are covered for the first 90 days after the day of purchase. American Express purchase protection works by covering the damage or theft of eligible purchases for up to 90 days after the purchase date. Purchase Protection If your eligible item* is either stolen or accidentally damaged up to 90 days after you've bought it, we'll reimburse you up to 2,500. Fortunately, in many places, you dont need to go down to the local police precinct as many cities have an online portal to submit reports for incidents like theft, lost property or damage to property. Please visit americanexpress.com/benefitsguide for more details. How do I file a purchase protection claim? Finally, be diligent, complete and timely when you file your claims. I confess that I dont save a copy of the register receipt from every purchase I make Im just not that organized. 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 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. Business cards are no exception. Here's a step-by-step guide to submitting a claim for return protection through Amex. In this case, you must purchase an item thats eligible for coverage and the loss cant be due to an excluded reason. Select categories from the drop-down menus and then fill in the merchant, manufacturer, purchase date, and price. 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. You must provide an original store receipt (or a printout of an online receipt). 1. Copyright 2018 - 2023 The Ascent. After working as a tax accountant for a decade, JT turned his analytical skills to points, miles and credit cards. How to File an Amex Gold card Purchase Protection Claim. It also doesn't cover events that occurred because the item wasn't reasonably safeguarded. Purchase Protection is an embedded benefit of your Card Membership and requires no enrollment. The American Express Platinum cards are eligible for American Express Purchase Protection. 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 filing a damaged or stolen item claim, you may be asked to demonstrate a photograph showing the damage to your item. Here are some tips to help you navigate this growing trend. 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. Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months. For a complete description of the policies of your American Express card, select your card on this page. endobj American Express purchase protection works by covering the damage or theft of eligible purchases for up to 90 days after the purchase date. You must file a claim within 30 days of your covered loss and you can do so online or by calling 800-228-6855. Submit a Claim. In addition to filing your claim, you must provide proof of loss within 60 days of the incident or as soon as reasonably possible. All information about Amex EveryDay Credit Card has been collected independently by NerdWallet . Big spenders should note that the purchase protection on The Platinum Card from American Express only covers up to $10,000 per covered purchase.